CN106327197A - Payment device, terminal and payment method - Google Patents
Payment device, terminal and payment method Download PDFInfo
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- CN106327197A CN106327197A CN201610715736.6A CN201610715736A CN106327197A CN 106327197 A CN106327197 A CN 106327197A CN 201610715736 A CN201610715736 A CN 201610715736A CN 106327197 A CN106327197 A CN 106327197A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention discloses a payment device, a terminal and a payment method. The method comprises the steps that the transaction amount of the current transaction is acquired; whether password-free payment of the current transaction can be performed is judged according to the stored preset password-free payment limit, and payment of the current transaction is performed; and when password-free payment of the current transaction cannot be performed and payment is successful, the transaction amount of the current transaction is set as the password-free payment limit within the preset time. The password-free payment limit is managed through the actual consumption situation so that the function of automatically updating the password-free payment limit can be realized, users do not need to manually set the limit and the limit is automatically updated according to the actual consumption situation, and thus the problem that the existing password-free payment limit is a fixed value can be solved and the usage experience of the users can be enhanced.
Description
Technical field
The present invention relates to terminal payment technical field, particularly relate to a kind of payment mechanism, terminal and method of payment.
Background technology
Along with popularizing that terminal pays, user the most increasingly tends to terminal and pays, but the same with conventional payment, every time
Payment is required for user and inputs payment cipher, have impact on the experience of user, therefore, how to ensure terminal safety of payment
Under premise, strengthen the experience of user, always need issues that need special attention.
Prior art provides exempts from close this function of payment limit, when dealing money is less than this limit, it is not necessary to use
Family input password, direct payment, when dealing money is higher than this limit, it is necessary to user inputs password.This function is deposited
At such problem, the monetary losses that user is bigger in order to avoid lost terminal causes, often arrange one fixing, less
Exempt from close limit, when user carries out the consumption such as supermarket shopping, dealing money is generally larger than exempted from close limit, is needed user to input
Password, reduces user's experience.
Summary of the invention
Present invention is primarily targeted at a kind of payment mechanism of proposition, terminal and method of payment, it is intended to solve existing exempt from close
Paying limit is the problem of fixed value.
For achieving the above object, the present invention proposes a kind of payment mechanism, including:
Acquisition module, for obtaining the dealing money of current transaction；
Payment module, for default exempting from close payment limit according to storage, it is judged that it is close whether current transaction can carry out exempting from
Pay, and current transaction is paid；
Management module, for when current transaction cannot carry out exempting from close payment and paying successfully, by described current transaction
Dealing money be set to distance the current preset time in exempt from close payment limit.
In certain embodiments, payment module exempts from close payment limit for being not more than to preset at the dealing money of current transaction
Time, determining that current transaction can carry out exempting from close payment, current transaction dealing money more than preset exempt from close payment limit time, really
Before settled, transaction cannot carry out exempting from close payment.
In certain embodiments, acquisition module is additionally operable to obtain transaction scene and/or the user's characteristic information of current transaction；
Payment module for according to storage default exempt from close payment limit, transaction scene that user commonly uses and the user characteristics of validated user
Information, it is judged that whether current transaction can carry out exempting from close payment.
In certain embodiments, also including memory module, memory module is for after the success of current transaction payment, by current
The transaction scene of transaction and/or user's characteristic information update transaction scene and the user characteristics letter of validated user that user commonly uses
In breath.
The present invention proposes a kind of terminal, the payment mechanism provided including the embodiment of the present invention simultaneously.
The present invention proposes a kind of method of payment simultaneously, including:
Obtain the dealing money of current transaction；
Default according to storage exempts from close payment limit, it is judged that whether current transaction can carry out exempting from close payment, and to currently
Transaction pays；
When current transaction cannot carry out exempting from close payment and paying successfully, the dealing money of described current transaction is set
Be set in the distance current preset time exempts from close payment limit.
In certain embodiments, close payment limit is exempted from according to the default of storage, it is judged that whether current transaction can exempt from
Close payment includes:
Judge whether the dealing money of current transaction exempts from close payment limit more than presetting；
If the dealing money of current transaction is not more than to preset exempts from close payment limit, it is judged that result can be carried out for current transaction
Exempt from close payment；
If the dealing money of current transaction exempts from close payment limit more than presetting, it is judged that result cannot be carried out for current transaction
Exempt from close payment.
In certain embodiments, also include: obtain transaction scene and/or the user's characteristic information of current transaction；According to depositing
Storage default exempt from close payment limit, transaction scene that user commonly uses and the user's characteristic information of validated user, it is judged that currently conclude the business
Whether can carry out exempting from close payment.
In certain embodiments, also include: after the success of current transaction payment, by the transaction scene currently concluded the business and/or
User's characteristic information updates in the user's characteristic information of transaction scene that user commonly uses and validated user.
In certain embodiments, transaction scene includes WiFi information, the payment consuming the positional information of scene, terminal connects
At least one in facility information.
A kind of method of payment that the embodiment of the present invention is proposed, the method is by actual consumption, to exempting from close payment
Limit is managed, such as current transaction cannot carry out exempting from close payment (i.e. dealing money is more than exempting from close payment limit) and
When paying successfully, be set to by the dealing money currently concluded the business in the distance current preset time exempts from close payment limit, it is achieved that
In Preset Time, automatically update the function exempting from close payment limit, it is no longer necessary to user manually arranges limit, will disappear according to actual
Expense situation automatically updates, and solves that existing to exempt from close payment limit be the problem of fixed value, enhances the experience of user.
Accompanying drawing explanation
Fig. 1 is the hardware architecture diagram realizing each one optional mobile terminal of embodiment of the present invention；
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；
Fig. 3 is the first embodiment structural representation to the 3rd embodiment of payment mechanism of the present invention；
Fig. 4 is a kind of structural representation of terminal of the present invention；
Fig. 5 is the flow chart of method of payment first embodiment of the present invention；
Fig. 6 is the flow chart of method of payment the second embodiment of the present invention；
Fig. 7 is the schematic diagram exempting from close payment limit that the present embodiments relate to.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further referring to the drawings.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
The mobile terminal realizing each embodiment of the present invention is described referring now to accompanying drawing.In follow-up description, use
For representing the suffix explanation only for the beneficially present invention of such as " module ", " parts " or " unit " of element, itself
Not specific meaning.Therefore, " module " can mixedly use with " parts ".
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can include such as moving
Phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP
The mobile terminal of (portable media player), guider etc. and consolidating of such as numeral TV, desk computer etc.
Determine terminal.Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, mobile except being used in particular for
Outside the element of purpose, structure according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is the hardware architecture diagram realizing each one optional mobile terminal of embodiment of the present invention.
Mobile terminal 100 can include wireless communication unit 110, user input unit 120, output unit 130, memorizer
140, controller 150 and power subsystem 160 etc..Fig. 1 shows the mobile terminal with various assembly, it should be understood that
It is, it is not required that implement all assemblies illustrated, can alternatively implement more or less of assembly, will be discussed in more detail below
The element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows mobile terminal 100 and wireless communication system
Or the radio communication between network is to download application etc..Such as, wireless communication unit can include mobile communication module 111,
At least one in wireless Internet module 112.
Mobile communication module 111 sends radio signals to base station (such as, access point, node B etc.), exterior terminal
And in server at least one and/or receive from it radio signal.Such radio signal can include that voice leads to
Words signal, video calling signal or the various types of data sending according to text and/or Multimedia Message and/or receiving.
Wireless Internet module 112 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can be internally or externally
It is couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include WLAN (WLAN) (Wi-Fi), Wibro
(WiMAX), Wimax (worldwide interoperability for microwave access), HSDPA (high-speed downlink packet access) etc., can be used to into
Row terminal positioning etc., it is also possible to be used for receiving transaction data, such as dealing money and the transaction scene of current transaction.
User input unit 120 can generate key input data to control each of mobile terminal according to the order of user's input
Plant operation.User input unit 120 allows user to input various types of information, and can include keyboard, metal dome, touch
Plate (such as, detection due to touched and cause resistance, pressure, the sensitive component of change of electric capacity etc.), roller, rocking bar,
Photographic head etc..Especially, when touch pad is superimposed upon on display module 131 as a layer, touch screen can be formed.At this
In inventive embodiments, user input unit 120 is primarily used to obtain user's characteristic information, such as face, fingerprint etc..
Output unit 130 can include display module 131 etc..Display module 131 may be displayed in mobile terminal 100 to be located
The information of reason.Such as, when mobile terminal 100 is in telephone calling model, display module 131 can show and converse or other
User interface (UI) that communication (such as, text messaging, multimedia file download etc.) is relevant or graphic user interface
(GUI).When mobile terminal 100 is in video calling pattern or image capture mode, display module 131 can show capture
Image and/or the image of reception, UI or GUI illustrating video or image and correlation function etc..
Meanwhile, when display module 131 and touch pad the most superposed on one another with formed touch screen time, display module
131 can serve as input equipment and output device.Display module 131 can include liquid crystal display (LCD), thin film transistor (TFT)
In LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc. at least
A kind of.Some in these display may be constructed such that transparence is watched from outside with permission user, and this is properly termed as transparent
Display, typical transparent display can for example, TOLED (transparent organic light emitting diode) display etc..According to specific
The embodiment wanted, mobile terminal 100 can include two or more display modules (or other display device), such as, move
Dynamic terminal can include outside display module (not shown) and internal display module (not shown).Touch screen can be used for detection and touches
Input pressure and touch input position and touch input area.
Memorizer 140 can store the process performed by controller 150 and the software program controlling operation etc., or can
With temporarily store oneself through output maybe will export data (such as, garbage files list, system file/encryption listed files,
White list adds list of object etc.).And, memorizer 140 can store and export about when touch is applied to touch screen
The vibration of various modes and the data of audio signal.
Memorizer 140 can include the storage medium of at least one type, and storage medium includes flash memory, hard disk, multimedia
Card, card-type memorizer (such as, SD or DX memorizer etc.), random access storage device (RAM), static random-access memory
(SRAM), read only memory (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory
(PROM), magnetic storage, disk, CD etc..And, mobile terminal 100 can be connected execution memorizer with by network
The network storage device cooperation of the storage function of 140.
Controller 150 generally controls the overall operation of mobile terminal.Such as, controller 150 performs and voice call, data
Control that communication, video calling etc. are relevant and process.It addition, controller 150 can include for reproducing (or playback) many matchmakers
The multi-media module 151 of volume data, multi-media module 151 can construct in controller 150, or it is so structured that with control
Device 150 separates.Controller 150 can perform pattern recognition process, with the handwriting input that will perform on the touchscreen or picture
Draw input and be identified as character or image.In the present invention, controller 150 can realize acquisition module 31, payment module 32 and
The function of management module 33.
Power subsystem 160 receives external power or internal power under control of the controller 150 and provides operation each unit
Suitable electric power needed for part and assembly.
Various embodiment described herein can be to use such as computer software, hardware or its any combination of calculating
Machine computer-readable recording medium is implemented.Implementing for hardware, embodiment described herein can be by using application-specific IC
(ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), scene can
Program gate array (FPGA), processor, controller, microcontroller, microprocessor, be designed to perform function described herein
At least one in electronic unit is implemented, and in some cases, such embodiment can be implemented in controller 150.
Software is implemented, the embodiment of such as process or function can with allow to perform the single of at least one function or operation
Software module is implemented.Software code can be come by the software application (or program) write with any suitable programming language
Implementing, software code can be stored in memorizer 140 and be performed by controller 150.
So far, oneself is through describing mobile terminal according to its function.Below, for the sake of brevity, will describe such as folded form,
Slide type mobile terminal in various types of mobile terminals of board-type, oscillating-type, slide type mobile terminal etc. is as showing
Example.Therefore, the present invention can be applied to any kind of mobile terminal, and is not limited to slide type mobile terminal.
As shown in Figure 1 mobile terminal 100 may be constructed such that utilize via frame or packet transmission data all if any
Line and wireless communication system and satellite-based communication system operate.
The communication system being wherein operable to according to the mobile terminal of the present invention is described referring now to Fig. 2.
Such communication system can use different air interfaces and/or physical layer.Such as, communication system use
Air interface includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA (CDMA) and universal mobile communications system
System (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc..As non-limiting example, under
The description in face relates to cdma communication system, but such teaching is equally applicable to other type of system.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 100, multiple base station (BS) 270, base station
Controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is configured to and Public Switched Telephony Network (PSTN)
290 form interface.MSC280 is also structured to and the BSC275 formation interface that can be couple to base station 270 via back haul link.
If back haul link can construct according to any one in the interface that Ganji knows, interface includes such as E1/T1, ATM, IP, PPP,
Frame relay, HDSL, ADSL or xDSL.It will be appreciated that system as shown in Figure 2 can include multiple BSC275.
Each BS270 can service one or more subregion (or region), by multidirectional antenna or the sky of sensing specific direction
Each subregion that line covers is radially away from BS270.Or, each subregion can be by for two or more of diversity reception
Antenna covers.Each BS270 may be constructed such that support multiple frequencies distribution, and the distribution of each frequency has specific frequency spectrum
(such as, 1.25MHz, 5MHz etc.).
Intersecting that subregion and frequency are distributed can be referred to as CDMA Channel.BS270 can also be referred to as base station transceiver
System (BTS) or other equivalent terms.In this case, term " base station " may be used for broadly representing single
BSC275 and at least one BS270.Base station can also be referred to as " cellular station ".Or, each subregion of specific BS270 can be claimed
For multiple cellular stations.
As shown in Figure 2, broadcast singal is sent in system the mobile terminal operated by broadcsting transmitter (BT) 295
100.In fig. 2 it is shown that several global positioning systems (GPS) satellite 300.Satellite 300 helps to position multiple mobile terminals 100
In at least one.
In fig. 2, depict multiple satellite 300, it is understood that be, it is possible to use any number of satellite obtain useful
Location information.Substitute GPS tracking technique or outside GPS tracking technique, it is possible to use the position of mobile terminal can be followed the tracks of
Other technology put.It addition, at least one gps satellite 300 can optionally or additionally process satellite dmb transmission.
As a typical operation of wireless communication system, BS270 receives the reverse link from various mobile terminals 100
Signal.Mobile terminal 100 generally participates in call, information receiving and transmitting communicates with other type of.Certain base station 270 receive each instead
Processed in specific BS270 to link signal.The data obtained are forwarded to the BSC275 being correlated with.BSC provides call
Resource distribution and the mobile management function of the coordination of soft switching process included between BS270.The number that BSC275 also will receive
According to being routed to MSC280, it provides the extra route service for forming interface with PSTN290.Similarly, PSTN290 with
MSC280 forms interface, MSC Yu BSC275 forms interface, and BSC275 correspondingly controls BS270 with by forward link signals
It is sent to mobile terminal 100.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the present invention is proposed.
As it is shown on figure 3, based on above-mentioned mobile terminal hardware configuration and communication system, propose the payment mechanism of the present invention
First embodiment, concrete, the payment mechanism that the present invention provides includes:
Acquisition module 31, for obtaining the dealing money of current transaction.
Payment module 32, for exempting from close payment limit according to the default of storage, it is judged that whether current transaction can exempt from
Close payment, and current transaction is paid；Judge whether current transaction can carry out exempting from close payment and mainly hand over according to current
Whether easy dealing money exempts from what close payment limit judged more than presetting.
Management module 33, for when current transaction cannot carry out exempting from close payment and paying successfully, by described current friendship
What easy dealing money was set in the distance current preset time exempts from close payment limit.
When current transaction cannot carry out exempting from close payment, user must input corresponding password and can pay, if
Pay successfully, then the user of explanation input password is validated user, and validated user carries out the peace that pays and guarantee payment for convenience
Entirely, it is close without inputting less than the transaction of the dealing money of current transaction that dealing money can be set within the distance current preset time
Code, will the dealing money of described current transaction be set in the distance current preset time exempt from close payment limit.Wherein, described
Preset Time freely can be arranged by user, however, to ensure that safety, Preset Time should not arrange long.
In actual applications, payment module 32 exempts from close payment limit for being not more than to preset at the dealing money of current transaction
Time, determining that current transaction can carry out exempting from close payment, current transaction dealing money more than preset exempt from close payment limit time, really
Before settled, transaction cannot carry out exempting from close payment.
In actual applications, current transaction may refer to all types of transaction that terminal occurs, as micro-in being use
The transaction that the payment function that the application softwaries such as letter pays, wechat is transferred accounts, Alipay payment provide is carried out, it is also possible to be to pass through terminal
The near field communication (NFC) function that equipment possesses, such as NFC (Near Field Communication, near field communication (NFC)) or
Radio frequency is swiped the card, or other other payment functions, the transaction carried out such as contact function of swiping card.
In actual applications, current transaction can be enjoyed a certain degree of preferential, as random vertical subtracted, coupons, red packet etc.
Preferential, now, dealing money may refer to original dealing money, it is also possible to is the real trade amount of money actually occurred, Ke Yigen
Automatically arrange or by user setup according to practical situation.
Lift simply example, user supermarket shopping consume 85 yuan, random vertical subtract after, real consumption 79 yuan (i.e. vertical subtracts 6
Unit), the most original dealing money is 85, the real trade amount of money is 79, if it is 80 yuan that user setup default exempts from close payment limit, this
Time, dealing money uses different methods to set up, it will make payment module 32 perform different payment flows.Such as, friendship is worked as
Easily the amount of money is punctual with the real trade amount of money, because the dealing money of current transaction is not more than to preset exempts from close payment limit, determines
Current transaction can carry out exempting from close payment, is the most just paid, does not inputs password needs user, when dealing money is with former
Beginning dealing money is punctual, because the dealing money of current transaction exempts from close payment limit more than presetting, determines that current transaction can not
To carry out exempting from close payment, need user to input password, and then can cause managing module 33 by exempting from the distance current preset time
Close payment limit is updated to 85 yuan by 80 yuan, and in that is to say the distance current preset time, dealing money then need not defeated less than 85 yuan
Entering password, described Preset Time freely can be arranged by user, however, to ensure that safety, Preset Time should not be arranged
Long.
By the present embodiment, can when current transaction cannot carry out exempting from close payment and paying successfully, by described currently
What the dealing money of transaction was set in the distance current preset time exempts from close payment limit, the most both ensure that the safety of payment
Property, have and user can be facilitated to pay.
Further, it is proposed that the second embodiment of the payment mechanism of the present invention, as it is shown on figure 3, the second embodiment and the
Difference between one embodiment is, described acquisition module is additionally operable to obtain transaction scene and/or the user of described current transaction
Characteristic information；Described payment module for according to storage default exempt from close payment limit, transaction scene that user commonly uses and legal
The user's characteristic information of user, it is judged that whether current transaction can carry out exempting from close payment.
Existing only use preset exempt from that close payment limit judges whether can be in order to avoid the means of close payment there is also certain fraud
After end, such as mobile phone are lost, disabled user can exempt from the consumption of close small amount by being carried out continuously, as long as number of times is too much, also can give and use
The biggest loss is brought at family, to this end, in actual applications, acquisition module 31 be additionally operable to obtain the transaction scene of current transaction and/
Or user's characteristic information；Pay mould 32 pieces for according to storage default exempt from close payment limit, transaction scene that user commonly uses and
The user's characteristic information of validated user, it is judged that whether current transaction can carry out exempting from close payment.
In actual applications, the transaction scene of current transaction includes the WiFi consuming the positional information of scene, terminal connects
At least one in information, payment devices information.
The positional information of consumption scene is used to determine the merchant location of consumption or carry out in that shop/supermarket
Consumption, it can be absolute latitude and longitude information, it is also possible to be merchant identification etc., may determine that current friendship by this information
The most whether occur in the shop that user likes, by introducing user preferences, enhance the safety of user terminal payment function,
Make to exempt from close payment function to be only capable of using in the shop that user likes, enhance the experience of user.
Corresponding, WiFi information refers to the WiFi information that user terminal accesses, and user is in its consumption place often gone, such as meal
The Room/supermarkets etc., can be familiar with service personal, therefore, can inquire the WiFi network that hotel owner provides, and access online, therefore,
The WiFi information accessing WiFi can also further enhancing the safety of consumption as judging the standard of user preferences.Such as,
After user mobile phone is lost or be stolen, disabled user can select to close wireless connections, if the consumption place therefore often gone user
Do not access WiFi, the most just may be considered disabled user and using the terminal units such as mobile phone, now may turn off and exempt from close
Pay function, it is desirable to use password to pay.
Corresponding, payment devices information can be conventional infrared scan rifle, the POS, the device identification of POS, with
WiFi information is the same, and user is in its consumption place often gone, such as dining room/supermarket etc., can be familiar with service personal, therefore,
Can consume in same position or service man, its payment devices information is exactly identical, and therefore, payment devices information is also
The safety of consumption can be further enhancing as judging the standard of user preferences.Such as, user mobile phone is lost or stolen
After, disabled user does not knows that the service man etc. of user preferences, if the consumption place therefore often gone user is not looked for fixing
Service man, the most just may be considered disabled user and using the terminal unit such as mobile phone, now may turn off and exempt from close payment merit
Can, it is desirable to use password to pay.
In actual applications, user's characteristic information refers to may determine that the information of user identity, such as face, fingerprint etc., this
Category information need not user and inputs especially, and such as, terminal can obtain the fingerprint of active user, also by components such as touch screens
Can be by photographic head by obtaining face.When transaction, by obtaining user's characteristic information it may determine that active user is
No for validated user, and then judge to be whether to need unlatching to exempt from close payment function.
In the present embodiment, by obtaining transaction scene and/or the user's characteristic information of described current transaction；According to storage
Preset exempt from close payment limit, transaction scene that user commonly uses and the user's characteristic information of validated user, it is judged that currently whether conclude the business
Can carry out exempting from close payment, improve the safety of payment further.
Further, it is proposed that the 3rd embodiment of the payment mechanism of the present invention, the 3rd embodiment and the second embodiment it
Between difference be, described payment mechanism also includes memory module 34, described memory module for current transaction payment success
After, transaction scene and/or the user's characteristic information of described current transaction are updated transaction scene and the conjunction that described user commonly uses
In the user's characteristic information of method user.
In actual applications, as it is shown on figure 3, the payment mechanism that the present invention provides also includes memory module 34, memory module
34 for, after the success of current transaction payment, updating user by the transaction scene currently concluded the business and/or user's characteristic information normal
Transaction scene and validated user user's characteristic information in, for pay mould 32 call.
The present embodiment passes through memory module 34, it is achieved transaction scene that user commonly uses and the user's characteristic information of validated user
Autolearn feature, it is also possible to as consumer record for user inquire about, improve further user payment experience.
In actual applications, the close payment limit of exempting from preset can be that all scenes use identical limit, it is also possible to is
Different scenes use different limits, so can strengthen the interest of customer consumption.
Such as, the close payment limit of exempting from that the T0 moment presets is 80 yuan, and the close payment limit of exempting from that user's T1 moment presets is 100
Close payment limit that what unit, T2 moment preset exempt from is 140 yuan, the T3 moment presets exempt from close payment limit be 150 yuan, the T4 moment presets
Exempt from close payment limit be 160 yuan, the T5 moment preset exempt from close payment limit be 180 yuan, exempting from of presetting of T6 moment is close pays limit
Volume is 200 yuan.
If what management module 33 was arranged exempts from close payment limit in close payment limit of exempting from sometime with the default of this moment
Volume is inconsistent, it should use management module 33 arranges result.If as it is shown in fig. 7, user setup common-mode, that i.e. presets exempts from
Close payment limit can be that different scene uses the limit differed, and so, exempts from close payment limit in T1 to the T7 moment, is all sending out
Changing.
In conjunction with concrete scene, the present embodiment is further detailed.
Exempting from the initial phase of close payment function, the close amount paid of exempting from of pre-set user is 80 yuan, when user uses first
During mobile-phone payment function, call front-facing camera and retain the head image information of user, and be saved in data base, and preserve this
Secondary information when paying, such as, consume total amount (self-adaptative adjustment exempt from close amount paid use), consumption place (is obtained by location
This information), the connected WIFI information confirmation of Locale information (strengthen consumption), infrared scan rifle facility information (strengthen consumption place
The confirmation of information), complete self adaptation consumption small amount by the coupling of these conditions and exempt from close payment, and preserve each single disappearing
Charge information, if this singly completes to pay, and amount paid is more than presetting amount, then the distance current preset in more new database
Close payment limit is exempted from time.
When user is when being traded, it is judged that whether user is to use first, if using for the first time, then pre-set user
Exempting from close amount paid is 80 yuan, and preserves the head image information of user in data base, and preserves；
Judge whether spending amount is more than and exempt from close amount paid 80 yuan, if greater than directly walking password payment channel, if
Pay successfully, in the distance current preset time in more new database, exempt from close payment limit；
Judge to consume whether place is the place often patronized, if not directly walking trap door；
Judging whether user mobile phone is connected to WIFI, whether judging with the wifi of consumption place coupling if be connected to；
Obtain photo by photographic head, and with the pictorial information in data base contrasts, exempt from close payment if successfully walked, as
The most unsuccessful walk password pay；
Exempting from close payment limit if paying success and payment more than presetting, the distance in more new database is the most pre-
If exempting from close payment limit in the time.
A kind of payment mechanism that the present embodiment is proposed, this device is by actual consumption, to exempting from close payment limit
It is managed, such as, cannot carry out exempting from close payment (i.e. dealing money is more than exempting from close payment limit) and paying in current transaction
During success, be set to by the dealing money of described current transaction in the distance current preset time exempts from close payment limit, it is achieved that
Automatically update the function exempting from close payment limit, it is no longer necessary to user manually arranges limit, will according to real consumption situation the most more
Newly, solve that existing to exempt from close payment limit be the problem of fixed value, enhance the experience of user.
In the terminal embodiment of the present invention, including payment mechanism mentioned above.Controller 150 in Fig. 1 can wrap
Include the acquisition module 31 in embodiment illustrated in fig. 3, payment module 32, manage the complete of the functional module such as module 33, memory module 34
Portion's function, now, above-described embodiment can be:
Controller 150 obtains the dealing money of current transaction, and default according to storage exempts from close payment limit, it is judged that currently hand over
Easily whether can carry out exempting from close payment, and current transaction is paid, and current transaction cannot carry out exempting from close payment and
When paying successfully, be set to by the dealing money of described current transaction in the distance current preset time exempts from close payment limit.
Concrete, controller 150 the dealing money of current transaction be not more than preset exempt from close payment limit time, determine current
Transaction can carry out exempting from close payment, current transaction dealing money more than preset exempt from close payment limit time, determine current transaction
Cannot carry out exempting from close payment.
Concrete, controller 150 obtains transaction scene and/or the user's characteristic information of current transaction；Pre-according to store
If exempting from close payment limit, transaction scene that user commonly uses and the user's characteristic information of validated user, it is judged that whether current transaction may be used
To carry out exempting from close payment.
Concrete, controller 150 is after the success of current transaction payment, by transaction scene and/or the use of described current transaction
Family characteristic information updates in the user's characteristic information of transaction scene that described user commonly uses and validated user.
Present embodiments provide a kind of terminal, by actual consumption, be managed, such as exempting from close payment limit
When current transaction cannot carry out exempting from close payment (i.e. dealing money exempts from close payment limit more than presetting) and paying successfully, will
What the dealing money of described current transaction was set in the distance current preset time exempts from close payment limit, it is achieved that automatically updates and exempts from
The function of close payment limit, it is no longer necessary to user manually arranges limit, will automatically update according to real consumption situation, solve existing
Have that to exempt from close payment limit be the problem of fixed value, enhance the experience of user.
A kind of structural representation of the terminal that Fig. 4 provides for the present invention, as shown in Figure 4, the terminal that the present embodiment provides is extremely
Include less: input and output (IO) bus 41, processor 42, RAM 43, internal memory 44 and display screen 45.Wherein,
Input and output (IO) bus 41 is (processor 42, memorizer 43, interior with other parts of self affiliated terminal respectively
Deposit 44 and display screen 45) connect, and for other parts provide transmission lines.
Processor 42 performs the operations such as calculating and confirmation.Wherein, processor 42 can be central processing unit (CPU).At this
In embodiment, processor 42 at least needs possess such function: obtain the dealing money of current transaction, presetting according to storage
Exempt from close payment limit, it is judged that whether current transaction can carry out exempting from close payment, and pays current transaction, and hands over current
When easily cannot carry out exempting from close payment and paying successfully, the dealing money of described current transaction is set to distance current preset
Close payment limit is exempted from time.
RAM 43 stores that processor is readable, the executable software code of processor, and it comprises holds for controlling processor 42
The instruction (i.e. software execution function) of row functions described herein.In the present embodiment, RAM43 at least needs storage to have at realization
Reason device 42 performs the program that above-mentioned functions needs.
Wherein, the present invention provide terminal in, it is achieved acquisition module 31, payment module 32, management module 33 function soft
Part code is storable in memorizer 43, and performs after being performed by processor 42 or compiled.
Internal memory 44, typically uses semiconductor memory cell, including random access memory (RAM), and read only memory (ROM), with
And cache (CACHE), RAM is most important of which memorizer.Internal memory 44 is one of parts important in computer, and it is
Carrying out, with CPU, the bridge linked up, in computer, the operation of all programs is all carried out in internal memory, and its effect is for temporarily
Deposit the operational data in CPU, and with the data of the external memory storage exchange such as hard disk, as long as computer is in operation, CPU is just
The data needing computing can be transferred in internal memory carry out computing, after computing completes, result is sent out by CPU again, the fortune of internal memory
Row also determines the stable operation of computer.
Display screen 45, generally includes one or more assembly, and it allows the result of its own processor 42, as updated
After desktop show, it is also desirable to detection user's clicking operation in handwriting screen, and be transferred to processor 42.
On the basis of the terminal structure shown in Fig. 4, the terminal that the present embodiment provides can so work:
When function initializes, processor 42 shows human-computer exchange picture by display screen 45, preset for user setup exempt from close
Pay limit；
When the needs payment consumption amount of money, processor 42 shows payment information by display screen 45, mainly includes paying bar
Codes etc., can be Quick Response Codes etc.；
Processor 42 obtains the dealing money of current transaction, and default according to storage exempts from close payment limit, it is judged that currently hand over
Easily whether can carry out exempting from close payment, and current transaction is paid；
Processor 42 is when current transaction cannot carry out exempting from close payment and paying successfully, by the friendship of described current transaction
What easily the amount of money was set within the current preset time exempts from close payment limit.
The terminal that the present embodiment provides, by actual consumption, is managed exempting from close payment limit, such as, working as
When front transaction cannot carry out exempting from close payment (i.e. dealing money is more than exempting from close payment limit) and pay successfully, by described currently
What the dealing money of transaction was set in the distance current preset time exempts from close payment limit, it is achieved that automatically updates and exempts from close payment limit
The function of volume, it is no longer necessary to user manually arranges limit, will automatically update according to real consumption situation, solve and existing exempt from close
Paying limit is the problem of fixed value, enhances the experience of user.
As it is shown in figure 5, propose method of payment first embodiment of the present invention, in the present embodiment, method of payment includes following
Step:
S501: obtain the dealing money of current transaction.
In actual applications, current transaction may refer to all types of transaction that terminal occurs, as micro-in being use
The transaction that the payment function that the application softwaries such as letter pays, wechat is transferred accounts, Alipay payment provide is carried out, it is also possible to be to pass through terminal
The near field communication (NFC) function that equipment possesses, as NFC or radio frequency are swiped the card, or other other payment functions, as contact is swiped the card merit
The transaction that can carry out.
In actual applications, current transaction can be enjoyed a certain degree of preferential, as random vertical subtracted, coupons, red packet etc.
Preferential, now, dealing money may refer to original dealing money, it is also possible to is the real trade amount of money actually occurred, Ke Yigen
Automatically arrange or by user setup according to practical situation.
Lift simply example, user supermarket shopping consume 85 yuan, random vertical subtract after, real consumption 79 yuan (i.e. vertical subtracts 6
Unit), the most original dealing money is 85, the real trade amount of money is 79, if it is 80 yuan that user setup default exempts from close payment limit, this
Time, dealing money uses different methods to set up, it will make payment module 32 perform different payment flows.Such as, friendship is worked as
Easily the amount of money is punctual with the real trade amount of money, because the dealing money of current transaction is not more than to preset exempts from close payment limit, determines
Current transaction can carry out exempting from close payment, is the most just paid, does not inputs password needs user, when dealing money is with former
Beginning dealing money is punctual, because the dealing money of current transaction exempts from close payment limit more than presetting, determines that current transaction can not
To carry out exempting from close payment, need user to input password, and then close payment limit will be exempted from by 80 yuan in the distance current preset time
Being updated to 85 yuan, in that is to say the distance current preset time, dealing money then need not less than 85 yuan input password, and described is pre-
If the time freely can be arranged by user, however, to ensure that safety, Preset Time should not arrange long.
S502: default according to storage exempts from close payment limit, it is judged that whether current transaction can carry out exempting from close payment, and right
Current transaction pays.Judge whether current transaction can carry out exempting from close payment mainly according to the dealing money of current transaction
Whether exempt from what close payment limit judged more than presetting.
In certain embodiments, close payment limit is exempted from according to the default of storage, it is judged that whether current transaction can exempt from
Close payment includes:
Judge whether the dealing money of current transaction exempts from close payment limit more than presetting；
If the dealing money of current transaction is not more than to preset exempts from close payment limit, it is judged that result can be carried out for current transaction
Exempt from close payment；
If the dealing money of current transaction exempts from close payment limit more than presetting, it is judged that result cannot be carried out for current transaction
Exempt from close payment.
In certain embodiments, also include: obtain transaction scene and/or the user's characteristic information of current transaction；According to depositing
Storage default exempt from close payment limit, transaction scene that user commonly uses and the user's characteristic information of validated user, it is judged that currently conclude the business
Whether can carry out exempting from close payment.
In certain embodiments, also include: after the success of current transaction payment, by the transaction scene currently concluded the business and/or
User's characteristic information updates in the user's characteristic information of transaction scene that user commonly uses and validated user.
In certain embodiments, transaction scene includes WiFi information, the payment consuming the positional information of scene, terminal connects
At least one in facility information.
Existing only use preset exempt from that close payment limit judges whether can be in order to avoid there is certain fraud in the means page of close payment
After end, such as mobile phone are lost, disabled user can exempt from the consumption of close small amount by being carried out continuously, as long as number of times is too much, also can give and use
The biggest loss is brought at family, to this end, in actual applications, also obtains transaction scene and/or the user's characteristic information of current transaction；
According to storage default exempt from close payment limit, transaction scene that user commonly uses and the user's characteristic information of validated user, it is judged that when
Whether front transaction can carry out exempting from close payment.
In actual applications, the transaction scene of current transaction includes the WiFi consuming the positional information of scene, terminal connects
At least one in information, payment devices information.
The positional information of consumption scene is used to determine the merchant location of consumption or carry out in that shop/supermarket
Consumption, it can be absolute latitude and longitude information, it is also possible to be merchant identification etc., may determine that current friendship by this information
The most whether occur in the shop that user likes, wash by introducing user, enhance the safety of user terminal payment function,
Make to exempt from close payment function to be only capable of using in the shop that user likes, enhance the experience of user.
Corresponding, WiFi information refers to the WiFi information that user terminal accesses, and user is in its consumption place often gone, such as meal
The Room/supermarkets etc., can be familiar with service personal, therefore, can inquire the WiFi network that hotel owner provides, and access online, therefore,
The WiFi information accessing WiFi can also further enhancing the safety of consumption as judging the standard of user preferences.Such as,
After user mobile phone is lost or be stolen, disabled user can select to close wireless connections, if the consumption place therefore often gone user
Do not access WiFi, the most just may be considered disabled user and using the terminal units such as mobile phone, now may turn off and exempt from close
Pay function, it is desirable to use password to pay.
Corresponding, payment devices information can be conventional infrared scan rifle, the POS, the device identification of POS, with
WiFi information is the same, and user is in its consumption place often gone, such as dining room/supermarket etc., can be familiar with service personal, therefore,
Can consume in same position or service man, its payment devices information is exactly identical, and therefore, payment devices information is also
The safety of consumption can be further enhancing as judging the standard of user preferences.Such as, user mobile phone is lost or stolen
After, disabled user does not knows that the service man etc. of user preferences, if the consumption place therefore often gone user is not looked for fixing
Service man, the most just may be considered disabled user and using the terminal unit such as mobile phone, now may turn off and exempt from close payment merit
Can, it is desirable to use password to pay.
In actual applications, user's characteristic information refers to may determine that the information of user identity, such as face, fingerprint etc., this
Category information need not user and inputs especially, and such as, terminal can obtain the fingerprint of active user, also by components such as touch screens
Can be by photographic head by obtaining face.When transaction, by obtaining user's characteristic information it may determine that active user is
No for validated user, and then judge to be whether to need unlatching to exempt from close payment function.
In actual applications, after the success of current transaction payment, it is also possible to by the transaction scene currently concluded the business and/or user
Characteristic information updates in the user's characteristic information of transaction scene that user commonly uses and validated user.It is normal that the present embodiment realizes user
Transaction scene and the autolearn feature of user's characteristic information of validated user, it is also possible to look into for user as consumer record
Ask.
S503: when current transaction cannot carry out exempting from close payment and paying successfully, by the trade gold of described current transaction
What volume was set in the distance current preset time exempts from close payment limit.
The method of payment that the present embodiment is proposed, the method, by actual consumption, is carried out exempting from close payment limit
Management, such as, cannot carry out exempting from close payment (i.e. dealing money is more than exempting from close payment limit) and paying successfully in current transaction
Time, be set to by the dealing money of described current transaction in the distance current preset time exempts from close payment limit, it is achieved that automatically
Update the function exempting from close payment limit, it is no longer necessary to user manually arranges limit, will automatically update according to real consumption situation, solve
Having determined, existing to exempt from close payment limit be the problem of fixed value, enhances the experience of user.
A kind of method of payment that the embodiment of the present invention is proposed, the method is by actual consumption, to exempting from close payment
Limit is managed, such as current transaction cannot carry out exempting from close payment (i.e. dealing money is more than exempting from close payment limit) and
When paying successfully, the close payment limit of the exempting from dealing money of described current transaction being set in the distance current preset time, real
Show and automatically updated the function exempting from close payment limit, it is no longer necessary to user has manually arranged limit, will according to real consumption situation certainly
Dynamic update, solve that existing to exempt from close payment limit be the problem of fixed value, enhance the experience of user.
As shown in Figure 6, proposing method of payment the second embodiment of the present invention, in the present embodiment, method of payment includes following
Step:
S601: during initialization, default under user setup difference scene exempts from close payment limit.
User open exempt from close payment function time, that reminds under user setup difference scene default exempts from close amount paid, and
Preserve the head image information of user as the characteristic information of validated user in data base, and preserve；
S602: call corresponding default of current scene and exempt from close payment limit.
When user is traded, by obtaining the modes such as terminal location, determine the hotel owner that current scene is corresponding, it is judged that be
No have corresponding default of current scene to exempt from close payment limit, if existing, then calls corresponding default of current scene and exempts from close to pay limit
Volume, if not existing, then calls and default general exempts from close amount paid.
S603: judge that spending amount is whether the most corresponding more than current scene and default exempt from close payment limit, if greater than directly
Walking password payment channel, if paying successfully, the dealing money of described current transaction being set in the distance current preset time
Close payment limit is exempted under current scene；
S604: judge to consume whether place is the place often patronized, if not directly walking trap door；
Whether S605: judge whether user mobile phone is connected to WIFI, judge with consumption place coupling if be connected to
wifi；
S606: obtain human face photo by photographic head, and with the pictorial information in data base contrasts, if successfully walking to exempt from
Close payment, if unsuccessful walk password pay；
S607: exempt from close payment.
S608: password pays.
S609: if paying success and payment to exempt from close payment amount, by the friendship of described current transaction more than maximum
What easily the amount of money was set within the current preset time exempts from close payment limit.
The present embodiment proposes a kind of new method, and this kind of method is in order to help the managing payment function of everybody safety, root
Consumption habit (determining that maximum exempts from close amount), consumption place, connected wifi information, the letter of scanner payment devices according to user
The information such as breath and face, determine whether it is that user is operating by these conditions, reach to ensure the peace of user's fund
Entirely, it is user-friendly to, improves user's viscosity.
It should be noted that in this article, term " includes ", " comprising " or its any other variant are intended to non-row
Comprising of his property, so that include that the process of a series of key element, method, article or device not only include those key elements, and
And also include other key elements being not expressly set out, or also include intrinsic for this process, method, article or device
Key element.In the case of there is no more restriction, statement " including ... " key element limited, it is not excluded that including this
The process of key element, method, article or device there is also other identical element.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art is it can be understood that arrive above-described embodiment side
Method can add the mode of required general hardware platform by software and realize, naturally it is also possible to by hardware, but a lot of in the case of
The former is more preferably embodiment.Based on such understanding, prior art is done by technical scheme the most in other words
The part going out contribution can embody with the form of software product, and this computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile phone, computer, take
Business device, air-conditioner is, or the network equipment etc.) method that performs each embodiment of the present invention.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilize this
Equivalent structure or equivalence flow process that bright description and accompanying drawing content are made convert, or are directly or indirectly used in other relevant skills
Art field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (10)
1. a payment mechanism, it is characterised in that including:
Acquisition module, for obtaining the dealing money of current transaction；
Payment module, for exempting from close payment limit according to the default of storage, it is judged that whether current transaction can carry out exempting from close payment,
And current transaction is paid；
Management module, for when current transaction cannot carry out exempting from close payment and paying successfully, by the friendship of described current transaction
What easily the amount of money was set within the current preset time exempts from close payment limit.
2. payment mechanism as claimed in claim 1, it is characterised in that described payment module is for the friendship in described current transaction
Easily the amount of money is not more than and described presets when exempting from close payment limit, determines that described current transaction can carry out exempting from close payment, works as described
The dealing money of front transaction more than described preset exempt from close payment limit time, determine that described current transaction cannot carry out exempting from close
Pay.
3. payment mechanism as claimed in claim 1 or 2, it is characterised in that described acquisition module be additionally operable to obtain described currently
The transaction scene of transaction and/or user's characteristic information；Described payment module is for exempting from close payment limit, use according to the default of storage
Transaction scene that family is conventional and the user's characteristic information of validated user, it is judged that currently whether transaction can carry out exempting from close payment.
4. payment mechanism as claimed in claim 3, it is characterised in that also including memory module, described memory module is used for
After current transaction payment success, the transaction scene of described current transaction and/or user's characteristic information are updated described user normal
Transaction scene and validated user user's characteristic information in.
5. a terminal, it is characterised in that include the payment mechanism as described in any one of Claims 1-4.
6. a method of payment, it is characterised in that including:
Obtain the dealing money of current transaction；
Default according to storage exempts from close payment limit, it is judged that whether current transaction can carry out exempting from close payment, and to current transaction
Pay；
When current transaction cannot carry out exempting from close payment and paying successfully, the dealing money of described current transaction is set to
Distance the current preset time in exempt from close payment limit.
7. method of payment as claimed in claim 6, it is characterised in that described exempt from close payment limit according to the default of storage, sentences
Whether disconnected current transaction can carry out exempting from close payment includes:
Judge whether the dealing money of described current transaction exempts from close payment limit more than described presetting；
If the dealing money of described current transaction is not more than described presetting exempts from close payment limit, it is judged that result is described current transaction
Can carry out exempting from close payment；
If the dealing money of described current transaction more than described preset exempt from close payment limit, it is judged that result be described current transaction not
Can carry out exempting from close payment.
Method of payment the most as claimed in claims 6 or 7, it is characterised in that described method also includes: obtain described current transaction
Transaction scene and/or user's characteristic information；According to storage default exempt from close payment limit, transaction scene that user commonly uses and conjunction
The user's characteristic information of method user, it is judged that whether current transaction can carry out exempting from close payment.
9. method of payment as claimed in claim 8, it is characterised in that described method also includes: in the success of current transaction payment
After, transaction scene and/or the user's characteristic information of described current transaction are updated transaction scene and the conjunction that described user commonly uses
In the user's characteristic information of method user.
10. method of payment as claimed in claim 8, it is characterised in that described transaction scene includes the position letter consuming scene
At least one in the WiFi information of breath, terminal connection, payment devices information.
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| CN201610715736.6A CN106327197A (en) | 2016-08-24 | 2016-08-24 | Payment device, terminal and payment method |
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|---|---|---|---|
| CN201610715736.6A CN106327197A (en) | 2016-08-24 | 2016-08-24 | Payment device, terminal and payment method |
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| CN109583878A (en) * | 2018-11-21 | 2019-04-05 | 努比亚技术有限公司 | Method of payment, device, mobile terminal and computer readable storage medium |
| CN109544143A (en) * | 2018-11-30 | 2019-03-29 | 上海爱优威软件开发有限公司 | A kind of deployment method of payment code, safe payment method and terminal |
| CN110400227A (en) * | 2019-07-31 | 2019-11-01 | 中国工商银行股份有限公司 | Processing method, device, the system of transaction message data |
| CN111429129A (en) * | 2020-03-20 | 2020-07-17 | 上海依图网络科技有限公司 | Service processing method and device based on identification information verification |
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Application publication date: 20170111 |