CN107480998B - Information processing method and related product - Google Patents
Information processing method and related product Download PDFInfo
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- CN107480998B CN107480998B CN201710594594.7A CN201710594594A CN107480998B CN 107480998 B CN107480998 B CN 107480998B CN 201710594594 A CN201710594594 A CN 201710594594A CN 107480998 B CN107480998 B CN 107480998B
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- biological information
- transfer operation
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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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The embodiment of the invention discloses an information processing method and a related product, wherein the method comprises the following steps: if the payee of the current transfer operation is not the first designated user and the currently input payment password is correct, prompting to input verification information, and starting a biological information acquisition device to carry out hidden information acquisition so as to obtain at least one type of biological information; and when the input verification information is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment, executing the transfer operation and prolonging the account arrival time of the current transfer operation. The embodiment of the invention can improve the safety of the terminal equipment.
Description
Technical Field
The present invention relates to the field of electronic technologies, and in particular, to an information processing method and a related product.
Background
With the continuous development of electronic technology, terminal devices (such as smart phones and the like) have become an indispensable part of people's lives, and people can use the terminal devices to shop, make calls, send mails, send short messages, communicate with other people for chatting, watch videos, browse webpages, transfer accounts and the like. The more transactions that the terminal device can handle relate to the privacy of the user, the more important the security of the terminal device is, and therefore how to improve the security of the terminal device is a technical problem to be solved.
Disclosure of Invention
The embodiment of the invention provides an information processing method and a related product, which are used for improving the safety of terminal equipment.
In a first aspect, an embodiment of the present invention provides a terminal device, including a biological information acquisition apparatus, a processor, and a memory connected to the processor, wherein,
the processor is used for prompting to input verification information and starting the biological information acquisition device if the payee of the current transfer operation is not the first appointed user and the currently input payment password is correct;
the biological information acquisition device is used for acquiring hidden information to obtain at least one type of biological information;
the memory is used for storing the biological information of the authorizer of the terminal equipment;
the processor is further used for executing the transfer operation and prolonging the account arrival time of the current transfer operation when the input verification information is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment.
In a second aspect, an embodiment of the present invention provides an information processing method, including:
if the payee of the current transfer operation is not the first appointed user and the currently input payment password is correct, prompting the user to input verification information, and starting a biological information acquisition device to carry out hidden information acquisition so as to obtain at least one type of biological information;
and when the verification information input by the user is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment, performing the transfer operation and prolonging the account arrival time.
In a third aspect, an embodiment of the present invention provides a terminal device, including a biological information acquisition unit and a processing unit, where:
the processing unit is used for prompting to input verification information and starting the biological information acquisition device if the payee of the current transfer operation is not the first designated user and the currently input payment password is correct;
the biological information acquisition unit is used for acquiring hidden information to obtain at least one type of biological information;
and the processing unit is also used for executing the transfer operation and prolonging the account arrival time of the current transfer operation when the input verification information is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment.
In a fourth aspect, an embodiment of the present invention provides a terminal device, including a processor, a memory, a communication interface, and one or more programs, where the one or more programs are stored in the memory and configured to be executed by the processor, and the program includes instructions for executing steps in the method described in the second aspect of the embodiment of the present invention.
In a fifth aspect, the present invention provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for electronic data exchange, where the computer program makes a computer perform part or all of the steps described in the second aspect of the present invention, and the computer includes a terminal device.
In a sixth aspect, the present invention provides a computer program product, wherein the computer program product includes a non-transitory computer-readable storage medium storing a computer program, and the computer program is operable to cause a computer to perform some or all of the steps described in the second aspect of the present invention. The computer program product may be a software installation package, the computer comprising the terminal device.
In the scheme, if the payee who transfers the account at present is not the designated user, in order to guarantee the safety of the account, even if the payment password input by the current user is correct, the identity of the payee needs to be verified again to be the operation performed by the authorizer of the terminal device, if so, because the payee is not the designated user, in order to further guarantee the safety of the account, the account arrival time is properly prolonged, and further the safety of the terminal device is improved.
These and other aspects of the invention are apparent from and will be elucidated with reference to the embodiments described hereinafter.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments or the background art of the present invention, the drawings required to be used in the embodiments or the background art of the present invention will be described below.
Fig. 1 is a schematic structural diagram of a terminal device according to an embodiment of the present invention;
FIG. 2 is a flow chart of an information processing method according to an embodiment of the present invention;
FIG. 3(1) is a schematic diagram of an interface according to an embodiment of the present invention;
FIG. 3(2) is a schematic view of another interface provided in the embodiment of the present invention;
FIG. 4 is a flow chart of another information processing method provided by the embodiment of the invention;
fig. 5 is a schematic structural diagram of another terminal device provided in the embodiment of the present invention;
fig. 6 is a schematic structural diagram of another terminal device according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The following are detailed below.
The terms "first," "second," "third," and "fourth," etc. in the description and claims of the invention and in the accompanying drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
A terminal device, also called a User Equipment (UE), is a device providing voice and/or data connectivity to a User, for example, a handheld device with a wireless connection function, a vehicle-mounted device, and so on. Common terminals include, for example: the mobile phone includes a mobile phone, a tablet computer, a notebook computer, a palm computer, a Mobile Internet Device (MID), and a wearable device such as a smart watch, a smart bracelet, a pedometer, and the like.
The terminal equipment described in the embodiment of the invention is provided with a biological information acquisition device, wherein the biological information acquisition device specifically comprises a fingerprint information acquisition device, an iris information acquisition device and a face information acquisition device, wherein the fingerprint information acquisition device can be a fingerprint sensor module; the iris information acquisition device can comprise an infrared light source and an iris camera; the facial information acquisition device may be a general camera module, such as a front-facing camera.
The embodiments of the present invention will be described below with reference to the drawings.
Referring to fig. 1, fig. 1 is a schematic structural diagram of a terminal device 100 according to an embodiment of the present invention, where the terminal device 100 includes: the mobile phone comprises a shell 10, a main board 20, a touch display screen 30, a battery 40 and an auxiliary board 50, wherein an infrared light source 21, an iris camera 22, a front camera 23, a processor 24, a memory 25, a SIM card slot 26 and the like are arranged on the main board 20, a vibrator 51, an integrated sound cavity 52, a VOOC flash charging interface 53 and a fingerprint module 54 are arranged on the auxiliary board, the infrared light source 21 and the iris camera 22 form an iris information acquisition device of the terminal device 100, the front camera 23 forms a facial information acquisition device of the terminal device 100, the fingerprint module 54 forms a fingerprint information acquisition device of the terminal device 100, and the iris information acquisition device, the facial information acquisition device and the fingerprint information acquisition device are collectively referred to as a biological information acquisition device of the terminal device 100.
The processor 24 is configured to prompt to input verification information and start the biological information acquisition device if the payee of the current transfer operation is not the first designated user and the currently input payment password is correct;
the biological information acquisition device is used for acquiring hidden information to obtain at least one type of biological information;
the memory 25 is used for storing the biological information of the authorizer of the terminal device;
the processor 24 is further configured to perform a transfer operation and prolong the account arrival time of the current transfer operation when the input verification information is correct and the at least one type of biometric information is biometric information of an authorizer of the terminal device.
It can be seen that, in this scheme, if the payee who transfers money currently is not the designated user, in order to ensure the security of the account, even if the payment password input by the current user is correct, the identity needs to be verified again to be the operation performed by the authorizer of the terminal device.
In an example, the processor 24 is further configured to send transfer information to the second designated user after performing the transfer operation, the transfer information including at least one of information of the payee, an amount of the transfer, and an expected time to reach.
In one example, in terms of extending the tie-out time for the current transfer operation, the processor 24 is specifically configured to:
determining a first time length of account reaching extension according to the current transfer amount;
and sending a first extension request of the account arrival time to a server, wherein the first extension request carries the first duration, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first duration.
In one example, in terms of extending the tie-out time for the current transfer operation, the processor 24 is specifically configured to:
determining a second time length prolonged by the account according to the current transfer amount and the communication times of the terminal equipment and the payee;
and sending a second extension request of the account arrival time to a server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
In an example, the processor 24 is further configured to cancel the transfer operation, prompt that the transfer is successful, and send an abnormal indication to a third specified user when the input verification information is incorrect, and/or the at least one type of biometric information is at least one type of biometric information that is not biometric information of an authorizer of the terminal device, wherein the abnormal indication is used for prompting that the terminal device is in an abnormal state.
The embodiments of the present invention will be described below with reference to the drawings.
Referring to fig. 2, fig. 2 is a schematic flow chart of an information processing method according to an embodiment of the present invention, where the method includes the following steps:
step S201: and if the payee of the current transfer operation is not the first appointed user and the currently input payment password is correct, the terminal equipment prompts the user to input verification information, and the biological information acquisition device is started to carry out hidden information acquisition so as to obtain at least one type of biological information.
Wherein the first designated user is user-defined.
Or the first designated user is determined by the terminal device according to the transfer record, for example, if the terminal device determines that the transfer times exceeds a first preset value according to the transfer record, the first designated user is a user with the transfer times exceeding the preset value. For example, 5 users are recorded in the transfer record, where the 5 users include user 1, user 2, user 3, user 4, and user 5, and if the number of transfers of user 1 is 10, the number of transfers of user 2 is 1, the number of transfers of user 3 is 5, the number of transfers of user 4 is 8, the number of transfers of user 5 is 2, and if the first preset value is 3, the first designated user is user 1, user 3, and user 4.
The verification information may be, for example, pattern verification information, gesture verification information, fingerprint verification information, digital verification information, and the like.
Wherein, if biological information collection system includes iris information collection system and facial information collection system, iris information collection system includes infrared light source and infrared camera, and facial information collection system includes general camera module, for example terminal equipment's leading camera. When iris information is collected, an infrared light source and an infrared camera are usually started, and meanwhile, a prompt indicating that the iris information is collected at present is displayed on a screen of the terminal equipment. When gathering facial information, can start general camera module usually, still can show the suggestion and be gathering facial information at present on terminal equipment's screen simultaneously. If the acquired at least one type of biological information comprises iris information and/or facial information, when the terminal equipment starts the biological information acquisition device to acquire the hidden information, only the infrared camera is started, and/or only the universal camera module is started, and the infrared light source is not started and a prompt for acquiring the iris information and/or the facial information currently is displayed on a screen of the terminal equipment.
Step S202: and when the verification information input by the user is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment, executing the transfer operation and prolonging the account arrival time of the current transfer operation.
In one example, the at least one biometric information includes iris information and facial information. When at least one appointed authorizer of the terminal equipment exists, the method further comprises the following steps:
the terminal equipment matches the iris information with a stored iris template set and matches the face information with a stored face template set;
if the iris information is matched with one of the iris templates in the iris template set and the face information is matched with one of the face templates in the face template set, the terminal equipment determines that the at least one type of biological information is biological information of an authorizer of the terminal equipment;
if the iris information does not match one of the iris templates in the iris template set and/or the face information does not match one of the face templates in the face template set, the terminal device determines that at least one piece of biological information is not biological information of an authorizer of the terminal device.
In an example, the method further comprises:
the terminal equipment matches the verification information input by the user with the stored verification information; and if the verification information input by the user is matched with the stored verification information, the terminal equipment determines that the verification information input by the user is correct.
In an example, if the verification information is gesture verification information, the specific implementation manner of the terminal device prompting the user to input the verification information includes: the terminal equipment pops up an interface on a display screen, and the interface comprises prompt information for prompting a user to input gesture verification information and a gesture keyboard for the user to input the gesture verification information.
In an example, if the verification information is digital verification information, the specific implementation manner of the terminal device prompting the user to input the verification information is as follows: the terminal equipment pops up an interface on a display screen, and the interface comprises prompt information for prompting a user to input gesture verification information and a password keyboard for the user to input digital verification information.
In particular, in daily life, the user transfers money to others mostly to acquaintances (such as parents, landlord, friends, and the like). If the first designated user is a user with the account transfer times exceeding 3 times, if the receiver of the current account transfer operation is the user who never transfers the account, the situation may be that the terminal device is lost, or the user transfers the account to a wrong person, in order to avoid the problem of money loss, even if the payment password currently input by the user is correct, the terminal device needs to prompt the user to input verification information and obtain at least one piece of biological information in a hidden manner, if the verification information input by the user and the obtained at least one piece of biological information are both correct, the account transfer operation is executed, and since the receiver is not the designated user, in order to further guarantee the safety of the account number, the account transfer time is properly prolonged, and further the safety of the terminal device is improved.
In an example, the method further comprises:
and after the transfer operation is executed, the terminal equipment sends transfer information to a second designated user, wherein the transfer information comprises at least one of information of a receiver, transfer amount and expected account arrival time.
Wherein the second designated user is user-defined.
Or, the second specified user is determined by the terminal device according to the communication record, for example, if the terminal device determines that the number of communications with the terminal device exceeds the second preset value according to the communication record, the second specified user is a user whose number of communications with the terminal device exceeds the second preset value. For example, 5 users are recorded in the communication record, where the 5 users include user 1, user 2, user 3, user 4, and user 5, and assuming that the number of communications between user 1 and the terminal device is 100, the number of communications between user 2 and the terminal device is 10, the number of communications between user 3 and the terminal device is 50, the number of communications between user 4 and the terminal device is 80, the number of communications between user 5 and the terminal device is 20, and assuming that the second preset value is 30, the second designated user is user 1, user 3, and user 4.
Alternatively, the second designated user is a user bound with the terminal device.
Therefore, in order to further guarantee the safety of money, after the terminal equipment executes the transfer operation, the terminal equipment sends the transfer information of the current transfer operation to a second designated user, so that the user can be further reminded to confirm whether the current transfer operation is correct or not again, and the safety of the terminal equipment is further improved.
In one example, the extending the tie-in time for the current transfer operation includes:
the terminal equipment determines a first time length prolonged by the account according to the current transfer amount;
and the terminal equipment sends a first extension request of the account arrival time to a server, wherein the first extension request carries the first time length, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first time length.
Specifically, the terminal device stores a mapping relationship between a previously set transfer amount and a time length extended from the transfer amount, as shown in table 1. Assuming that the current transfer amount is 300 yuan, the terminal equipment determines that the first time length of account arrival extension corresponding to the current transfer amount of 300 yuan is 30min according to the table 1. The method comprises the steps that a first extension request is sent by a terminal device to a server, the first extension request carries a first time length of account arrival extension of 30min, and after the server receives the first extension request, the server extends account arrival time of current account transfer operation of the terminal device by 30 min.
TABLE 1
In one example, the extending the tie-in time for the current transfer operation includes:
determining a second time length prolonged by the account according to the current transfer amount and the communication times of the terminal equipment and the payee;
and sending a second extension request of the account arrival time to a server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
Specifically, the terminal device stores a mapping relationship between the transfer amount and the number of times of communication between the terminal device and the payee, and a mapping relationship between the number of times of communication between the terminal device and the payee and the length of time for which account is extended, which are set in advance, as shown in table 2. And assuming that the current transfer amount is 300 yuan, the communication frequency of the terminal equipment and the payee is 0, and the second time length of the account arrival extension determined by the terminal equipment according to the table 2 is 15 min. And the terminal equipment sends a second extension request to the server, the second extension request carries the account arrival extended second time length of 15min, and after the server receives the second extension request, the server extends the account arrival time of the current account transfer operation of the terminal equipment by 15 min.
TABLE 2
In an example, the method further comprises:
when the verification information input by the user is incorrect, and/or at least one piece of biological information of the at least one piece of biological information is not the biological information of the authorizer of the terminal equipment, canceling the transfer operation, prompting that the transfer is successful, and sending an abnormal indication to a third designated user, wherein the abnormal indication is used for prompting that the terminal equipment is in an abnormal state.
Wherein the third designated user is user-defined.
Or, the third designated user is determined by the terminal device according to the communication record, for example, if the terminal device determines that the number of communications with the terminal device exceeds the third preset value according to the communication record, the third designated user is a user whose number of communications with the terminal device exceeds the third preset value. For example, 5 users are recorded in the communication record, where the 5 users include user 1, user 2, user 3, user 4, and user 5, and assuming that the number of communications between user 1 and the terminal device is 100, the number of communications between user 2 and the terminal device is 10, the number of communications between user 3 and the terminal device is 50, the number of communications between user 4 and the terminal device is 80, the number of communications between user 5 and the terminal device is 20, and a third preset value is 30, then the third designated user is user 1, user 3, and user 4.
Alternatively, the third designated user is a user bound with the terminal device.
Specifically, when the receiver of the current transfer operation is not the first designated user, the authentication information input by the user is incorrect, and/or at least one of the at least one type of biometric information is not biometric information of the authorizer of the terminal device, the terminal device may be stolen or in an abnormal state, in order to avoid the money loss problem, in which case the transfer operation is cancelled. If the terminal device is stolen, in order to confuse the operator, when the transfer operation is cancelled, the transfer success is notified. In addition, in order to reflect that the terminal equipment is in an abnormal condition in time, when the transfer operation is cancelled, an abnormal instruction is sent to a third appointed user in time to indicate that the terminal equipment is in the abnormal condition, and the safety of the terminal equipment is further improved.
Further, the specific implementation manner of the terminal device for prompting that the account has been successfully transferred is as follows: the terminal equipment pops up a popup box on a screen, wherein the popup box comprises information for prompting that the user successfully transfers the account, the transfer amount, the payee, the specific account arrival time, the payment method and the like, and the popup box is different from the popup box for displaying the successful transfer.
For example, suppose the current transfer operation is a transfer operation generated by the user using the paymate application, suppose the pop-up box displayed successfully by the paymate application is as shown in fig. 3 (1). In order to confuse the operator, when the transfer operation is cancelled, the terminal device pops up a pop-up box on the screen as shown in fig. 3 (2). It can be seen that the bullet box shown in fig. 3(2) has no option to view details.
Therefore, when the transfer operation is cancelled, the different popup frames popped up on the screen by the terminal device are different from the popup frame which is displayed in a real transfer mode, and therefore unnecessary troubles brought to the application client side can be avoided while the operator is confused.
The embodiment of the present invention further provides another more detailed method flow, as shown in fig. 4, including:
step S401: when the payment password input by the user for the current transfer operation is correct, the terminal device determines whether the payee of the current transfer operation is the first designated user. If the receiver of the current transfer operation is not the first designated user, executing step S402; if the receiver of the current transfer operation is the first designated user, step S404 is performed.
Step S402: the terminal equipment prompts to input the verification information and starts the biological information acquisition device to carry out hidden information acquisition so as to obtain at least one type of biological information.
Step S403: the terminal device determines whether the inputted authentication information is correct, and determines whether the at least one type of biometric information is biometric information of an authorizer of the terminal device. When the input verification information is correct and the at least one type of biological information is the biological information of the authorizer of the terminal device, executing step S404, and after executing step S404, executing step S405 to step S406, or executing step S407 to step S408; when the inputted authentication information is incorrect, and/or at least one of the at least one kind of biometric information is not biometric information of an authorizer of the terminal apparatus, step S409 is performed.
Step S404: and the terminal equipment executes the transfer operation.
Step S405: and the terminal equipment determines the first time length of the account arrival extension according to the current transfer amount.
Step S406: and the terminal equipment sends a first extension request of the account arrival time to a server, wherein the first extension request carries the first time length, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first time length.
Step S407: and the terminal equipment determines the second time length prolonged by the account according to the current transfer amount and the communication frequency between the terminal equipment and the payee.
Step S408: and the terminal equipment sends a second extension request of the account arrival time to the server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
Step S409: the method comprises the steps that the terminal equipment cancels transfer operation, prompts that transfer is successful, and sends an abnormal indication to a third appointed user, wherein the abnormal indication is used for prompting that the terminal equipment is in an abnormal state.
It should be noted that, the specific implementation of the steps of the method shown in fig. 4 can refer to the specific implementation described in the above method, and will not be described here.
The method of embodiments of the present invention is set forth above in detail and the apparatus of embodiments of the present invention is provided below.
Referring to fig. 5, fig. 5 is a terminal device according to an embodiment of the present invention, including: at least one processor, at least one memory, and at least one communication interface; and one or more programs;
the one or more programs are stored in the memory and configured to be executed by the processor, the programs including instructions for performing the steps of:
if the payee of the current transfer operation is not the first designated user and the currently input payment password is correct, prompting to input verification information, and starting a biological information acquisition device to carry out hidden information acquisition so as to obtain at least one type of biological information;
and when the input verification information is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment, executing the transfer operation and prolonging the account arrival time of the current transfer operation.
In an example, the program includes instructions for further performing the steps of:
and after the transfer operation is executed, sending transfer information to a second designated user, wherein the transfer information comprises at least one of information of a receiver, a transfer amount and expected account arrival time.
In one example, in extending the tie-out time for a current transfer operation, the program includes instructions specifically for performing the steps of:
determining a first time length of account reaching extension according to the current transfer amount;
and sending a first extension request of the account arrival time to a server, wherein the first extension request carries the first duration, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first duration.
In one example, in extending the tie-out time for a current transfer operation, the program includes instructions specifically for performing the steps of:
determining a second time length prolonged by the account according to the current transfer amount and the communication times of the terminal equipment and the payee;
and sending a second extension request of the account arrival time to a server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
In an example, the program includes instructions for further performing the steps of:
when the input verification information is incorrect, and/or at least one piece of biological information of the at least one piece of biological information is not the biological information of the authorizer of the terminal equipment, canceling the transfer operation, prompting that the transfer is successful, and sending an abnormal indication to a third designated user, wherein the abnormal indication is used for prompting that the terminal equipment is in an abnormal state.
The above description has introduced the solution of the embodiment of the present invention mainly from the perspective of the method-side implementation process. It is understood that the terminal device includes hardware structures and/or software modules for performing the respective functions in order to implement the functions. Those of skill in the art will readily appreciate that the present invention can be implemented in hardware or a combination of hardware and computer software, with the exemplary elements and algorithm steps described in connection with the embodiments disclosed herein. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The embodiment of the present invention may perform the division of the functional units for the mobile terminal according to the method example described above, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. It should be noted that the division of the unit in the embodiment of the present invention is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
In case of integrated units, fig. 6 shows a block diagram of a possible functional unit composition of the terminal device involved in the above embodiments. The terminal device 600 includes: a biological information acquisition unit 601, a processing unit 602, a storage unit 603, and a communication unit 604. The biological information acquisition unit 601 is used for acquiring biological information. The processing unit 602 is used for controlling and managing the actions of the terminal device, and the storage unit 603 is used for storing program codes and data of the mobile terminal. The communication unit 604 is used to support communication between the terminal device and other devices. It should be noted that the above units (the biological information acquisition unit 601, the processing unit 602, the storage unit 603, and the communication unit 604) are used for executing the relevant steps of the above method.
The processing unit 602 is configured to prompt to input verification information and start the biological information acquisition device if the payee of the current transfer operation is not the first specified user and the currently input payment password is correct;
a biological information acquisition unit 601, configured to perform hidden information acquisition to obtain at least one type of biological information;
and the processing unit 602 is further configured to, when the input verification information is correct and the at least one type of biological information is biological information of an authorizer of the terminal device, perform a transfer operation and prolong an account arrival time of the current transfer operation.
In an example, the processing unit 602 is further configured to send transfer information to the second designated user after performing the transfer operation, where the transfer information includes at least one of information of the payee, a transfer amount, and an expected account arrival time.
In an example, in terms of extending the account arrival time of the current transfer operation, the processing unit 602 is specifically configured to:
determining a first time length of account reaching extension according to the current transfer amount;
and sending a first extension request of the account arrival time to a server, wherein the first extension request carries the first duration, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first duration.
In an example, in terms of extending the account arrival time of the current transfer operation, the processing unit 602 is specifically configured to:
determining a second time length prolonged by the account according to the current transfer amount and the communication times of the terminal equipment and the payee;
and sending a second extension request of the account arrival time to a server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
In an example, the processing unit 602 is further configured to cancel the transfer operation, prompt that the transfer is successful, and send an abnormal indication to a third specified user when the input verification information is incorrect and/or at least one of the at least one type of biometric information is not biometric information of an authorizer of the terminal device, where the abnormal indication is used for prompting that the terminal device is in an abnormal state.
The Processing Unit 602 may be a Processor or a controller (e.g., a Central Processing Unit (CPU), a general purpose Processor, a Digital Signal Processor (DSP), an Application-Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof). The biological information collecting unit 601 may be a biological information collecting device such as an iris information collecting device, a face information collecting device, a fingerprint information collecting device, etc., the storage unit 603 may be a memory, and the communication unit 604 may be a transceiver, a transceiver circuit, a radio frequency chip, a communication interface, etc.
An embodiment of the present invention further provides a computer storage medium, where the computer storage medium stores a computer program for electronic data exchange, and the computer program enables a computer to execute part or all of the steps of any one of the methods described in the above method embodiments, and the computer includes a terminal device.
Embodiments of the present invention also provide a computer program product comprising a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any of the methods as recited in the above method embodiments. The computer program product may be a software installation package, said computer comprising terminal equipment.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one type of division of logical functions, and there may be other divisions when actually implementing, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable memory. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a memory and includes several instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned memory comprises: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.
The above embodiments of the present invention are described in detail, and the principle and the implementation of the present invention are explained by applying specific embodiments, and the above description of the embodiments is only used to help understanding the method of the present invention and the core idea thereof; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (9)
1. A terminal device comprising a biological information acquisition means, a processor and a memory connected to the processor, wherein,
the processor is used for prompting to input verification information and starting the biological information acquisition device if the payee of the current transfer operation is not the first appointed user and the currently input payment password is correct;
the biological information acquisition device is used for acquiring hidden information to acquire at least one type of biological information, and does not display a prompt to currently acquire the biological information;
the memory is used for storing the biological information of the authorizer of the terminal equipment;
the processor is further configured to, when the input verification information is correct and the at least one type of biometric information is biometric information of an authorizer of the terminal device, perform a transfer operation and extend an account arrival time of a current transfer operation, and includes: determining a first time length of account reaching extension according to the current transfer amount; sending a first extension request of the account arrival time to a server, wherein the first extension request carries the first duration, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first duration; after executing the account transfer operation, sending account transfer information to a second designated user determined according to the communication record of the terminal equipment; when the input verification information is incorrect, and/or at least one piece of biological information of the at least one piece of biological information is not the biological information of the authorizer of the terminal equipment, canceling the transfer operation, prompting that the transfer is successful, and sending an abnormal indication to a third designated user, wherein the abnormal indication is used for prompting that the terminal equipment is in an abnormal state.
2. The terminal device of claim 1, wherein the transfer information includes at least one of payee information, transfer amount, estimated due time.
3. The terminal device of claim 1 or 2, wherein, in extending the time to account for the current transfer operation, the processor is further configured to:
determining a second time length prolonged by the account according to the current transfer amount and the communication times of the terminal equipment and the payee;
and sending a second extension request of the account arrival time to a server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
4. An information processing method characterized by comprising:
if the payee of the current transfer operation is not the first designated user and the currently input payment password is correct, prompting to input verification information, starting a biological information acquisition device to carry out hidden information acquisition so as to obtain at least one type of biological information, and not displaying a prompt that the biological information is currently obtained;
when the input verification information is correct and the at least one type of biological information is the biological information of the authorizer of the terminal equipment, the transfer operation is executed, and the account arrival time of the current transfer operation is prolonged, and the method comprises the following steps: determining a first time length of account reaching extension according to the current transfer amount; sending a first extension request of the account arrival time to a server, wherein the first extension request carries the first duration, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first duration;
after executing the account transfer operation, sending account transfer information to a second designated user determined according to the communication record of the terminal equipment;
when the input verification information is incorrect, and/or at least one piece of biological information of the at least one piece of biological information is not the biological information of the authorizer of the terminal equipment, canceling the transfer operation, prompting that the transfer is successful, and sending an abnormal indication to a third designated user, wherein the abnormal indication is used for prompting that the terminal equipment is in an abnormal state.
5. The method of claim 4 wherein the transfer information includes at least one of payee information, transfer amount, estimated due time.
6. The method of claim 4 or 5, wherein extending the time to reach for the current transfer operation further comprises:
determining a second time length prolonged by the account according to the current transfer amount and the communication times of the terminal equipment and the payee;
and sending a second extension request of the account arrival time to a server, wherein the second extension request carries the second duration, and the second extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the second duration.
7. A terminal device, comprising a biological information acquisition unit and a processing unit, wherein:
the processing unit is used for prompting to input verification information and starting the biological information acquisition device if the payee of the current transfer operation is not the first designated user and the currently input payment password is correct;
the biological information acquisition unit is used for acquiring hidden information to acquire at least one type of biological information, and does not display a prompt to currently acquire the biological information;
the processing unit is further configured to, when the input verification information is correct and the at least one type of biometric information is biometric information of an authorizer of the terminal device, perform a transfer operation and extend an account arrival time of a current transfer operation, and includes: determining a first time length of account reaching extension according to the current transfer amount; sending a first extension request of the account arrival time to a server, wherein the first extension request carries the first duration, and the first extension request is used for indicating that the account arrival time of the current transfer operation is extended according to the first duration; after executing the account transfer operation, sending account transfer information to a second designated user determined according to the communication record of the terminal equipment; when the input verification information is incorrect, and/or at least one piece of biological information of the at least one piece of biological information is not the biological information of the authorizer of the terminal equipment, canceling the transfer operation, prompting that the transfer is successful, and sending an abnormal indication to a third designated user, wherein the abnormal indication is used for prompting that the terminal equipment is in an abnormal state.
8. A terminal device comprising a processor, a memory, a communication interface, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the processor, the programs comprising instructions for performing the steps of the method of any of claims 4-6.
9. A computer-readable storage medium, characterized in that it stores a computer program for electronic data exchange, wherein the computer program causes a computer to execute the method according to any one of claims 4-6, the computer comprising a terminal device.
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| US10997446B2 (en) * | 2018-02-16 | 2021-05-04 | Fingerprint Cards Ab | Enrollment scheme for an electronic device |
| CN108830751A (en) * | 2018-06-14 | 2018-11-16 | 安徽鼎龙网络传媒有限公司 | A kind of comprehensive integrated system of cloud house property report thing |
| CN109242501A (en) * | 2018-09-20 | 2019-01-18 | 广东小天才科技有限公司 | Start method of payment, device, wearable device and computer readable storage medium |
| CN113723964A (en) * | 2021-08-27 | 2021-11-30 | 中国银行股份有限公司 | Transfer transaction verification method and device |
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| CN106780996A (en) * | 2016-12-08 | 2017-05-31 | 天津极欧科技股份有限公司 | A kind of secure payment all-in-one based on computer network |
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| CN104967594B (en) * | 2014-10-23 | 2017-03-22 | 腾讯科技（深圳）有限公司 | Stolen account identification method and apparatus |
| CN104992324A (en) * | 2015-07-22 | 2015-10-21 | 深圳怡化电脑股份有限公司 | Service processing method of self-service device and service processing system of self-service device |
| CN105320864A (en) * | 2015-10-28 | 2016-02-10 | 广东欧珀移动通信有限公司 | Method and apparatus for processing event operation |
| CN106815723A (en) * | 2017-02-10 | 2017-06-09 | 深圳前海微众银行股份有限公司 | Transfer account method and device |
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| KR20170077606A (en) * | 2015-12-28 | 2017-07-06 | 코나아이 (주) | Methods for performing an account transfer using bio-information and Systems for performing an account transfer using the same |
| CN106127463A (en) * | 2016-06-30 | 2016-11-16 | 宇龙计算机通信科技(深圳)有限公司 | One is transferred accounts control method and terminal unit |
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