CN107527200A - A kind of payment management method, mobile terminal and computer-readable recording medium - Google Patents
A kind of payment management method, mobile terminal and computer-readable recording medium Download PDFInfo
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- CN107527200A CN107527200A CN201710757321.XA CN201710757321A CN107527200A CN 107527200 A CN107527200 A CN 107527200A CN 201710757321 A CN201710757321 A CN 201710757321A CN 107527200 A CN107527200 A CN 107527200A
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
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Abstract
The invention discloses a kind of payment management method, mobile terminal and computer-readable recording medium, the payment management method receives the barcode scanning that cash receiving terminal is sent and pays request；Ask to judge whether dealing money is more than the target amount of money according to described pay；If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.In such manner, it is possible to effectively prevent that paying Quick Response Code is maliciously stolen brush by other people, avoids causing damage to user.
Description
Technical field
The present invention relates to mobile payment technical field, more particularly to a kind of payment management method, mobile terminal and computer
Readable storage medium storing program for executing.
Background technology
With the continuous development of electronic technology, the function of mobile terminal (such as smart mobile phone, tablet personal computer etc.) is increasingly
It is powerful, play indispensable key player in the work and life of people.The mobile payment of mobile terminal is to use
Family consumption provides very big facility, and user only needs to use payment software generation to pay Quick Response Code, and beneficiary need to only scan payment
Quick Response Code can just be completed to pay.
However, in the prior art, the process of Quick Response Code completion payment is paid by scanning need not verify exist very big
Potential safety hazard,
The content of the invention
In view of this, the present invention proposes a kind of payment management method, mobile terminal and computer-readable recording medium, with solution
Certainly above-mentioned technical problem.
First, to achieve the above object, the present invention proposes a kind of payment management method, applied to mobile terminal, the side
Method includes：
Receive the barcode scanning that cash receiving terminal is sent and pay request；
Ask to judge whether dealing money is more than the target amount of money according to described pay；
If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；
The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；
If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
Alternatively, it is described to be asked according to the payment after judging whether dealing money is more than the target amount of money, methods described
Also include：
If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
Alternatively, after the barcode scanning payment request for receiving cash receiving terminal and sending, methods described also includes：
Acquisition preset cost is the target amount of money；Or
The target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；Or
The target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
Alternatively, the history consumer record of the payment accounts includes following one or more：
History consumption place, history consumption time, history spending amount, history shroff account number.
Alternatively, the history consumer record of the payment accounts according to the mobile terminal determines the target amount of money, including：
Obtain history consumption place or the history shroff account number of the payment accounts of the mobile terminal；
If history consumption place, which does not include current loco or history shroff account number, does not include current shroff account number, obtain
It is the target amount of money to take preset cost.
In addition, to achieve the above object, the present invention also provides a kind of mobile terminal, the mobile terminal include memory,
At least one processor and be stored on the memory and can at least one program of at least one computing device,
Following steps are realized when at least one program is by least one computing device：
Receive the barcode scanning that cash receiving terminal is sent and pay request；
Ask to judge whether dealing money is more than the target amount of money according to described pay；
If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；
The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；
If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
Alternatively, it is described to pay request according to described and whether judge dealing money more than after the target amount of money, it is described at least
When one program is by least one computing device, following steps can be also realized：
If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
Alternatively, after the barcode scanning payment request for receiving cash receiving terminal and sending, at least one program is described
During at least one computing device, following steps can be also realized：
Acquisition preset cost is the target amount of money；Or
The target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；Or
The target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
Continuation is controlled with the target volume control mode to the volume of the mobile terminal.
Alternatively, the history consumer record of the payment accounts includes following one or more：
History consumption place, history consumption time, history spending amount, history shroff account number.
Further, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, the computer
Readable storage medium storing program for executing is stored with the executable at least one program of computer, and at least one program is performed by the computer
When the computer is performed the step in the method described in any of the above-described.
Compared to prior art, payment management method proposed by the invention receives the barcode scanning payment that cash receiving terminal is sent please
Ask；Ask to judge whether dealing money is more than the target amount of money according to described pay；If the dealing money is more than target gold
Volume, there is provided user interface supplies user's validation information；The checking information of user's input is received, judges the checking letter of user's input
Whether breath matches with default checking information；If the checking information of user's input matches with the default checking information, it is allowed to pays
The dealing money.In such manner, it is possible to effectively prevent that paying Quick Response Code is maliciously stolen brush by other people, avoids causing damage to user.
Brief description of the drawings
Fig. 1 is a kind of hardware architecture diagram for the mobile terminal for realizing each embodiment of the present invention；
Fig. 2 is a kind of communications network system Organization Chart provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic flow sheet of payment management method provided in an embodiment of the present invention；
Fig. 4 is a kind of user interface schematic diagram provided in an embodiment of the present invention；
Fig. 5 is the schematic flow sheet of another payment management method provided in an embodiment of the present invention；
Fig. 6 is a kind of high-level schematic functional block diagram of mobile terminal provided in an embodiment of the present invention；
Fig. 7 is the high-level schematic functional block diagram of another mobile terminal provided in an embodiment of the present invention；
Fig. 8 is the high-level schematic functional block diagram of another mobile terminal provided in an embodiment of the present invention；
Fig. 9 is the high-level schematic functional block diagram of another mobile terminal provided in an embodiment of the present invention；
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In follow-up description, the suffix using such as " module ", " part " or " unit " for representing element is only
Be advantageous to the explanation of the present invention, itself there is no a specific meaning.Therefore, " module ", " part " or " unit " can mix
Ground uses.
Terminal can be implemented in a variety of manners.For example, the terminal described in the present invention can include such as mobile phone, flat board
Computer, notebook computer, palm PC, personal digital assistant (Personal Digital Assistant, PDA), portable
Media player (Portable Media Player, PMP), guider, wearable device, Intelligent bracelet, pedometer etc. move
Dynamic terminal, and the fixed terminal such as digital TV, desktop computer.
It will be illustrated in subsequent descriptions by taking mobile terminal as an example, it will be appreciated by those skilled in the art that except special
Outside element for moving purpose, construction according to the embodiment of the present invention can also apply to the terminal of fixed type.
Referring to Fig. 1, its hardware architecture diagram for a kind of mobile terminal of each embodiment of the realization present invention, the shifting
Dynamic terminal 100 can include：RF (Radio Frequency, radio frequency) unit 101, WiFi module 102, audio output unit
103rd, A/V (audio/video) input block 104, sensor 105, display unit 106, user input unit 107, interface unit
108th, the part such as memory 109, processor 110 and power supply 111.It will be understood by those skilled in the art that shown in Fig. 1
Mobile terminal structure does not form the restriction to mobile terminal, and mobile terminal can be included than illustrating more or less parts,
Either combine some parts or different parts arrangement.
The all parts of mobile terminal are specifically introduced with reference to Fig. 1：
Radio frequency unit 101 can be used for receiving and sending messages or communication process in, the reception and transmission of signal, specifically, by base station
Downlink information receive after, handled to processor 110；In addition, up data are sent to base station.Generally, radio frequency unit 101
Including but not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier, duplexer etc..In addition, penetrate
Frequency unit 101 can also be communicated by radio communication with network and other equipment.Above-mentioned radio communication can use any communication
Standard or agreement, including but not limited to GSM (Global System of Mobile communication, global system for mobile telecommunications
System), GPRS (General Packet Radio Service, general packet radio service), CDMA2000 (Code
Division Multiple Access 2000, CDMA 2000), WCDMA (Wideband Code Division
Multiple Access, WCDMA), TD-SCDMA (Time Division-Synchronous Code
Division Multiple Access, TD SDMA), FDD-LTE (Frequency Division
Duplexing-Long Term Evolution, FDD Long Term Evolution) and TDD-LTE (Time Division
Duplexing-Long Term Evolution, time division duplex Long Term Evolution) etc..
WiFi belongs to short range wireless transmission technology, and mobile terminal can help user to receive and dispatch electricity by WiFi module 102
Sub- mail, browse webpage and access streaming video etc., it has provided the user wireless broadband internet and accessed.Although Fig. 1 shows
Go out WiFi module 102, but it is understood that, it is simultaneously not belonging to must be configured into for mobile terminal, completely can be according to need
To be omitted in the essential scope for do not change invention.
Audio output unit 103 can be in call signal reception pattern, call mode, record mould in mobile terminal 100
When under the isotypes such as formula, speech recognition mode, broadcast reception mode, by radio frequency unit 101 or WiFi module 102 it is receiving or
It is sound that the voice data stored in memory 109, which is converted into audio signal and exported,.Moreover, audio output unit 103
The audio output related to the specific function that mobile terminal 100 performs can also be provided (for example, call signal receives sound, disappeared
Breath receives sound etc.).Audio output unit 103 can include loudspeaker, buzzer etc..
A/V input blocks 104 are used to receive audio or video signal.A/V input blocks 104 can include graphics processor
(Graphics Processing Unit, GPU) 1041 and microphone 1042, graphics processor 1041 is in video acquisition mode
Or the static images or the view data of video obtained in image capture mode by image capture apparatus (such as camera) are carried out
Reason.Picture frame after processing may be displayed on display unit 106.Picture frame after the processing of graphics processor 1041 can be deposited
Storage is transmitted in memory 109 (or other storage mediums) or via radio frequency unit 101 or WiFi module 102.Mike
Wind 1042 can connect in telephone calling model, logging mode, speech recognition mode etc. operational mode via microphone 1042
Quiet down sound (voice data), and can be voice data by such acoustic processing.Audio (voice) data after processing can
To be converted to the form output that mobile communication base station can be sent to via radio frequency unit 101 in the case of telephone calling model.
Microphone 1042 can implement various types of noises and eliminate (or suppression) algorithm to eliminate (or suppression) in reception and send sound
Caused noise or interference during frequency signal.
Mobile terminal 100 also includes at least one sensor 105, such as optical sensor, motion sensor and other biographies
Sensor.Specifically, optical sensor includes ambient light sensor and proximity transducer, wherein, ambient light sensor can be according to environment
The light and shade of light adjusts the brightness of display panel 1061, and proximity transducer can close when mobile terminal 100 is moved in one's ear
Display panel 1061 and/or backlight.As one kind of motion sensor, accelerometer sensor can detect in all directions (general
For three axles) size of acceleration, size and the direction of gravity are can detect that when static, the application available for identification mobile phone posture
(such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, percussion) etc.；
The fingerprint sensor that can also configure as mobile phone, pressure sensor, iris sensor, molecule sensor, gyroscope, barometer,
The other sensors such as hygrometer, thermometer, infrared ray sensor, will not be repeated here.
Display unit 106 is used for the information for showing the information inputted by user or being supplied to user.Display unit 106 can wrap
Display panel 1061 is included, liquid crystal display (Liquid Crystal Display, CD), Organic Light Emitting Diode can be used
Forms such as (Organic Light-Emitting Diode, OLED) configures display panel 1061.
User input unit 107 can be used for the numeral or character information for receiving input, and produce the use with mobile terminal
The key signals input that family is set and function control is relevant.Specifically, user input unit 107 may include contact panel 1071 with
And other input equipments 1072.Contact panel 1071, also referred to as touch-screen, collect touch operation of the user on or near it
(for example user uses any suitable objects or annex such as finger, stylus on contact panel 1071 or in contact panel 1071
Neighbouring operation), and corresponding attachment means are driven according to formula set in advance.Contact panel 1071 may include touch detection
Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band
The signal come, transmits a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and by it
Contact coordinate is converted into, then gives processor 110, and the order sent of reception processing device 110 and can be performed.In addition, can
To realize contact panel 1071 using polytypes such as resistance-type, condenser type, infrared ray and surface acoustic waves.Except contact panel
1071, user input unit 107 can also include other input equipments 1072.Specifically, other input equipments 1072 can wrap
Include but be not limited to physical keyboard, in function key (such as volume control button, switch key etc.), trace ball, mouse, action bars etc.
One or more, do not limit herein specifically.
Further, contact panel 1071 can cover display panel 1061, detect thereon when contact panel 1071 or
After neighbouring touch operation, processor 110 is sent to determine the type of touch event, is followed by subsequent processing device 110 according to touch thing
The type of part provides corresponding visual output on display panel 1061.Although in Fig. 1, contact panel 1071 and display panel
1061 be the part independent as two to realize the input of mobile terminal and output function, but in certain embodiments, can
Input and the output function of mobile terminal are realized so that contact panel 1071 and display panel 1061 is integrated, is not done herein specifically
Limit.
Interface unit 108 is connected the interface that can pass through as at least one external device (ED) with mobile terminal 100.For example,
External device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or nothing
Line FPDP, memory card port, the port for connecting the device with identification module, audio input/output (I/O) end
Mouth, video i/o port, ear port etc..Interface unit 108 can be used for receiving the input from external device (ED) (for example, number
It is believed that breath, electric power etc.) and at least one element that the input received is transferred in mobile terminal 100 or can use
In transmitting data between mobile terminal 100 and external device (ED).
Memory 109 can be used for storage software program and various data.Memory 109 can mainly include storing program area
And storage data field, wherein, storing program area can storage program area, application program (such as the sound needed at least one function
Sound playing function, image player function etc.) etc.；Storage data field can store according to mobile phone use created data (such as
Voice data, phone directory etc.) etc..In addition, memory 109 can include high-speed random access memory, can also include non-easy
The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Processor 110 is the control centre of mobile terminal, utilizes each of various interfaces and the whole mobile terminal of connection
Individual part, by running or performing the software program and/or module that are stored in memory 109, and call and be stored in storage
Data in device 109, the various functions and processing data of mobile terminal are performed, so as to carry out integral monitoring to mobile terminal.Place
Reason device 110 may include at least one processing unit；Preferably, processor 110 can integrate application processor and modulation /demodulation processing
Device, wherein, application processor mainly handles operating system, user interface and application program etc., and modem processor is mainly located
Manage radio communication.It is understood that above-mentioned modem processor can not also be integrated into processor 110.
Mobile terminal 100 can also include the power supply 111 (such as battery) to all parts power supply, it is preferred that power supply 111
Can be logically contiguous by power-supply management system and processor 110, so as to realize management charging by power-supply management system, put
The function such as electricity and power managed.
Although Fig. 1 is not shown, mobile terminal 100 can also will not be repeated here including bluetooth module etc..
For the ease of understanding the embodiment of the present invention, the communications network system being based on below to the mobile terminal of the present invention enters
Row description.
Referring to Fig. 2, Fig. 2 is a kind of communications network system Organization Chart provided in an embodiment of the present invention, the communication network system
Unite as the LTE system of universal mobile communications technology, the UE that the LTE system includes communicating connection successively (User Equipment, is used
Family equipment) 201, E-UTRAN (Evolved UMTS Terrestrial Radio Access Network, evolved UMTS lands
Ground wireless access network) 202, EPC (Evolved Packet Core, evolved packet-based core networks) 203 and operator IP operation
204。
Specifically, UE201 can be above-mentioned terminal 100, and here is omitted.
E-UTRAN202 includes eNodeB2021 and other eNodeB2022 etc..Wherein, eNodeB2021 can be by returning
Journey (backhaul) (such as X2 interface) is connected with other eNodeB2022, and eNodeB2021 is connected to EPC203,
ENodeB2021 can provide UE201 to EPC203 access.
EPC203 can include MME (Mobility Management Entity, mobility management entity) 2031, HSS
(Home Subscriber Server, home subscriber server) 2032, other MME2033, SGW (Serving Gate Way,
Gateway) 2034, PGW (PDN Gate Way, grouped data network gateway) 2035 and PCRF (Policy and
Charging Rules Function, policy and rate functional entity) 2036 etc..Wherein, MME2031 be processing UE201 and
The control node of signaling between EPC203, there is provided carrying and connection management.HSS2032 is all to manage for providing some registers
Such as the function of attaching position register (not shown) etc, and preserve some and used about service features, data rate etc.
The special information in family.All customer data can be transmitted by SGW2034, and PGW2035 can provide UE 201 IP
Address is distributed and other functions, and PCRF2036 is strategy and the charging control strategic decision-making of business data flow and IP bearing resources
Point, it selects and provided available strategy and charging control decision-making with charge execution function unit (not shown) for strategy.
IP operation 204 can include internet, Intranet, IMS (IP Multimedia Subsystem, IP multimedia
System) or other IP operations etc..
Although above-mentioned be described by taking LTE system as an example, those skilled in the art it is to be understood that the present invention not only
Suitable for LTE system, be readily applicable to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA with
And following new network system etc., do not limit herein.
Based on the above-mentioned hardware configuration of mobile terminal 100 and communications network system, each embodiment of the inventive method is proposed.
Refering to Fig. 3, Fig. 3 is a kind of step flow chart of payment management method provided in an embodiment of the present invention, methods described
Applied in a mobile terminal, as shown in figure 3, methods described includes：
Step 301, receive the barcode scanning payment request that cash receiving terminal is sent.
When cash receiving terminal scans the payment Quick Response Code of the payment accounts on the mobile terminal, the cash receiving terminal can be to
The mobile terminal sends barcode scanning and pays request.In the step, the mobile terminal receives the barcode scanning that the cash receiving terminal is sent
Pay request.
Step 302, according to it is described pay request judge whether dealing money is more than the target amount of money.
In the step, methods described asks to judge whether dealing money is more than the target amount of money according to described pay, if described
Dealing money is more than the target amount of money, performs step 304；If on the contrary, the dealing money is not more than the target amount of money,
Perform step 303.
Specifically, methods described can pay the dealing money carried in request according to the payment acquisition request,
Then the request determination target amount of money is paid according to described, finally judges whether the dealing money is more than the target amount of money.Institute
The method of stating determines that the mode of the target amount of money can be that the direct preset cost that obtains is the target amount of money, or can basis
The history consumer record of the payment accounts of the mobile terminal determines the target amount of money, or can be according to the cash receiving terminal
The history collection amount of shroff account number determine the target amount of money.
The preset cost can be that user allows not by verifying that realization is paid according to what the consumption demand of oneself was set
Maximum dollar amount.Methods described determines the target amount of money according to the history consumer record of the payment accounts of the mobile terminal
Mode can be that the dealing money that may occur is calculated according to the history consumer record of the payment accounts, it is then determined that described push away
The amount of money calculated is the target amount of money.For example, methods described can be remembered according to being merchandised with current loco identical
The spending amount of record determines the target amount of money, can also be according to the spending amount with current shroff account number identical transaction record
Determine the target amount of money.Methods described determines the target amount of money according to the history collection amount of the shroff account number of the cash receiving terminal
Mode can be the maximum collection amount for obtaining the cash receiving terminal as the target amount of money.
The history consumer record of the payment accounts includes following one or more：History consumption place, history disappear
Time-consuming, history spending amount, history shroff account number.
In some embodiments of the invention, methods described first can disappear according to the history of the payment accounts of the mobile terminal
Take record determine the target amount of money, if the payment accounts of the mobile terminal do not have history consumer record (i.e. described mobile terminal
Payment accounts are the account of new registration), it is the target amount of money that methods described, which obtains preset cost,.
Methods described first can also determine the target amount of money according to the history consumer record of the payment accounts of the mobile terminal,
If methods described can not determine the target amount of money according to the payment accounts of the mobile terminal, methods described further obtains default gold
Volume is the target amount of money.Specifically, if the history consumption place of the payment accounts of the mobile terminal does not include current transaction
Place or history shroff account number do not include current shroff account number, and it is the target amount of money that methods described, which obtains preset cost,.
Step 303, allow to pay the dealing money.
In the step, if the dealing money is not more than the target amount of money, illustrate this time transaction for arm's length dealing or
For penny ante, methods described allows to pay the dealing money, and flow terminates.In such manner, it is possible to user is facilitated to carry out small amount friendship
Password need not be inputted again when easily, provided the user with conveniently.
Step 304, offer user interface supply user's validation information.
In the step, if the dealing money is more than the target amount of money, illustrate this time transaction for abnormal transaction or volume
Larger transaction is spent, methods described provides user interface and supplies user's validation information, to ensure the safety of user's payment accounts.
For example, methods described can provide user interface as shown in Figure 4 in the mobile terminal, prompt user to input payment close
Code.The payment cipher can be word password or characteristics of human body's information, such as finger print information, face characteristic information
Or iris information etc..
Step 305, the checking information for receiving user's input, judge whether the checking information of user's input is believed with default checking
Breath matching.
In the step, methods described receive user input checking information, and judge user input checking information whether
Matched with default checking information, if the checking information of user's input matches with the default checking information, illustrate the user for tool
There is the user of the authority of the payment accounts, perform step 306；On the contrary, if the checking information of user's input is preset with described
Checking information mismatches, and it is not the user of the authority with the payment accounts to illustrate the user, and flow terminates, i.e., does not allow to prop up
Pay the dealing money.
Step 306, allow to pay the dealing money.
In the step, if the checking information of user's input matches with the default checking information, methods described allows to pay
The dealing money.So, methods described can ask user's validation information when dealing money is larger, can effectively keep away
The payment Quick Response Code for exempting from payment accounts is maliciously stolen brush by other people, effectively protects the property safety of user.
In the embodiment, the payment management method receives the barcode scanning that cash receiving terminal is sent and pays request；According to the branch
Pay request and judge whether dealing money is more than the target amount of money；If the dealing money is more than the target amount of money, there is provided Yong Hujie
Face supplies user's validation information；The checking information of user's input is received, judges the checking information of user's input whether with presetting
Checking information matches；If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
In such manner, it is possible to effectively prevent that paying Quick Response Code is maliciously stolen brush by other people, avoids causing damage to user.
Alternatively, it is described to be asked according to the payment after judging whether dealing money is more than the target amount of money, methods described
Also include：
If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
Alternatively, after the barcode scanning payment request for receiving cash receiving terminal and sending, methods described also includes：
Acquisition preset cost is the target amount of money；Or
The target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；Or
The target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
Alternatively, the history consumer record of the payment accounts includes following one or more：
History consumption place, history consumption time, history spending amount, history shroff account number.
Referring to Fig. 5, Fig. 5 is the schematic flow sheet of another payment management method provided in an embodiment of the present invention, such as Fig. 5 institutes
Show, methods described includes：
Step 501, receive the barcode scanning payment request that cash receiving terminal is sent.
When cash receiving terminal scans the payment Quick Response Code of the payment accounts on the mobile terminal, the cash receiving terminal can be to
The mobile terminal sends barcode scanning and pays request.In the step, the mobile terminal receives the barcode scanning that the cash receiving terminal is sent
Pay request.
Step 502, the history for the payment accounts for obtaining the mobile terminal consume place or history shroff account number.
In the embodiment, methods described determines the mesh according to the history consumer record of the payment accounts of the mobile terminal
Standard gold volume.Methods described can determine the target gold according to the spending amount with current loco identical transaction record
Volume, the target amount of money can also be determined according to the spending amount with current shroff account number identical transaction record.
In the step, methods described obtains history consumption place or the history gathering of the payment accounts of the mobile terminal
Account.
If step 503, history consumption place, which do not include current loco or history shroff account number, does not include current receive
Money account, acquisition preset cost are the target amount of money.
If the payment accounts of the mobile terminal do not have history consumer record, (payment accounts of i.e. described mobile terminal are new
The account of registration), it is the target amount of money that methods described, which obtains preset cost,.Or the if payment accounts of the mobile terminal
History consumption place do not include current loco or history shroff account number and do not include current shroff account number, methods described obtains
It is the target amount of money to take preset cost.
Step 504, according to it is described pay request judge whether dealing money is more than the target amount of money.
In the step, methods described asks to judge whether dealing money is more than the target amount of money according to described pay, if described
Dealing money is more than the target amount of money, performs step 505；If on the contrary, the dealing money is not more than the target amount of money,
Perform step 506.
Step 505, allow to pay the dealing money.
In the step, if the dealing money is not more than the target amount of money, illustrate this time transaction for arm's length dealing or
For penny ante, methods described allows to pay the dealing money, and flow terminates.In such manner, it is possible to user is facilitated to carry out small amount friendship
Password need not be inputted again when easily, provided the user with conveniently.
Step 506, offer user interface supply user's validation information.
In the step, if the dealing money is more than the target amount of money, illustrate this time transaction for abnormal transaction or volume
Larger transaction is spent, methods described provides user interface and supplies user's validation information, to ensure the safety of user's payment accounts.
For example, methods described can provide user interface as shown in Figure 4 in the mobile terminal, prompt user to input payment close
Code.The payment cipher can be word password or characteristics of human body's information, such as finger print information, face characteristic information
Or iris information etc..
Step 507, the checking information for receiving user's input, judge whether the checking information of user's input is believed with default checking
Breath matching.
In the step, methods described receive user input checking information, and judge user input checking information whether
Matched with default checking information, if the checking information of user's input matches with the default checking information, illustrate the user for tool
There is the user of the authority of the payment accounts, perform step 508；On the contrary, if the checking information of user's input is preset with described
Checking information mismatches, and it is not the user of the authority with the payment accounts to illustrate the user, and flow terminates, i.e., does not allow to prop up
Pay the dealing money.
Step 508, allow to pay the dealing money.
In the step, if the checking information of user's input matches with the default checking information, methods described allows to pay
The dealing money.So, methods described can ask user's validation information when dealing money is larger, can effectively keep away
The payment Quick Response Code for exempting from payment accounts is maliciously stolen brush by other people, effectively protects the property safety of user.
In the embodiment, the payment management method receives the barcode scanning that cash receiving terminal is sent and pays request；Obtain the shifting
The history consumption place of the payment accounts of dynamic terminal or history shroff account number；If history consumption place does not include current transaction ground
Point or history shroff account number do not include current shroff account number, and acquisition preset cost is the target amount of money；Asked according to described pay
Judge whether dealing money is more than the target amount of money；If the dealing money is more than the target amount of money, there is provided user interface for
Family validation information；The checking information of user's input is received, judges whether the checking information of user's input is believed with default checking
Breath matching；If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.So,
It can effectively prevent that paying Quick Response Code is maliciously stolen brush by other people, avoids causing damage to user.
Referring to Fig. 6, Fig. 6 is a kind of high-level schematic functional block diagram of mobile terminal provided in an embodiment of the present invention, such as Fig. 6 institutes
Show, the mobile terminal 600 also includes：
Receiving module 601, the barcode scanning for receiving cash receiving terminal transmission pay request；
First judge module 602, for asking to judge whether dealing money is more than the target amount of money according to described pay；
First control module 603, if being more than the target amount of money for the dealing money, there is provided user interface supplies user
Validation information；
Second judge module 604, for receive user input checking information, judge user input checking information whether
Matched with default checking information；
Second control module 605, if the checking information for user's input matches with the default checking information, it is allowed to prop up
Pay the dealing money.
Alternatively, referring to Fig. 7, Fig. 7 is the high-level schematic functional block diagram of another mobile terminal provided in an embodiment of the present invention,
As shown in fig. 7, the mobile terminal 600 also includes：
3rd control module 606, if being not more than the target amount of money for the dealing money, it is allowed to pay the transaction
The amount of money.
Alternatively, referring to Fig. 8, Fig. 8 is the high-level schematic functional block diagram of another mobile terminal provided in an embodiment of the present invention,
As shown in figure 8, the mobile terminal 600 also includes determining module 607, the determining module 607 is used for：
Acquisition preset cost is the target amount of money；Or
The target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；Or
The target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
Alternatively, the history consumer record of the payment accounts includes following one or more：
History consumption place, history consumption time, history spending amount, history shroff account number.
Alternatively, referring to Fig. 9, Fig. 9 is the high-level schematic functional block diagram of another mobile terminal provided in an embodiment of the present invention,
As shown in figure 9, the determining module 607 includes：
Acquiring unit 6071, place or history gathering are consumed for obtaining the history of payment accounts of the mobile terminal
Account；
Determining unit 6072, if not wrapped including current loco or history shroff account number for history consumption place
Current shroff account number is included, acquisition preset cost is the target amount of money.
Mobile terminal 600 can mobile terminal is realized in above-described embodiment each process, to avoid repeating, herein no longer
Repeat.
One of ordinary skill in the art will appreciate that all or part of step for realizing above-described embodiment method is can be with
Completed by the related hardware of at least one programmed instruction, at least one program can be stored in shifting as shown in Figure 1
In the memory 109 of dynamic terminal 100, and can the processor 110 perform, at least one program is by the processor
During 110 execution, following steps are realized：
Receive the barcode scanning that cash receiving terminal is sent and pay request；
Ask to judge whether dealing money is more than the target amount of money according to described pay；
If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；
The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；
If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
Alternatively, it is described to pay request according to described and whether judge dealing money more than after the target amount of money, it is described at least
When one program is performed by the processor 110, following steps can be also realized：
If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
Alternatively, after the barcode scanning payment request for receiving cash receiving terminal and sending, at least one program is described
When processor 110 performs, following steps can be also realized：
Acquisition preset cost is the target amount of money；Or
The target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；Or
The target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
Alternatively, the history consumer record of the payment accounts includes following one or more：
History consumption place, history consumption time, history spending amount, history shroff account number.
Alternatively, the history consumer record of the payment accounts according to the mobile terminal determines the target amount of money, including：
Obtain history consumption place or the history shroff account number of the payment accounts of the mobile terminal；
If history consumption place, which does not include current loco or history shroff account number, does not include current shroff account number, obtain
It is the target amount of money to take preset cost.
One of ordinary skill in the art will appreciate that all or part of step for realizing above-described embodiment method is can be with
Completed by the related hardware of at least one programmed instruction, at least one program can be stored in one and computer-readable deposit
In storage media, when at least one program is performed, following steps are realized：
Receive the barcode scanning that cash receiving terminal is sent and pay request；
Ask to judge whether dealing money is more than the target amount of money according to described pay；
If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；
The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；
If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
Alternatively, it is described to pay request according to described and whether judge dealing money more than after the target amount of money, it is described at least
When one program is performed, following steps can be also realized：
If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
Alternatively, after the barcode scanning payment request for receiving cash receiving terminal and sending, at least one program is performed
When, it can also realize following steps：
Acquisition preset cost is the target amount of money；Or
The target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；Or
The target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
Alternatively, the history consumer record of the payment accounts includes following one or more：
History consumption place, history consumption time, history spending amount, history shroff account number.
Alternatively, the history consumer record of the payment accounts according to the mobile terminal determines the target amount of money, including：
Obtain history consumption place or the history shroff account number of the payment accounts of the mobile terminal；
If history consumption place, which does not include current loco or history shroff account number, does not include current shroff account number, obtain
It is the target amount of money to take preset cost.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements not only include those key elements, and
And also include the other element being not expressly set out, or also include for this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Other identical element also be present in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone, computer, clothes
Be engaged in device, air conditioner, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
- A kind of 1. payment management method, applied to mobile terminal, it is characterised in that methods described includes：Receive the barcode scanning that cash receiving terminal is sent and pay request；Ask to judge whether dealing money is more than the target amount of money according to described pay；If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
- 2. the method as described in claim 1, it is characterised in that described to ask to judge whether dealing money is big according to described pay After the target amount of money, methods described also includes：If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
- 3. the method as described in claim 1, it is characterised in that the barcode scanning payment request for receiving cash receiving terminal and sending Afterwards, methods described also includes：Acquisition preset cost is the target amount of money；OrThe target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；OrThe target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.
- 4. method as claimed in claim 3, it is characterised in that the history consumer record of the payment accounts includes following one Kind is a variety of：History consumption place, history consumption time, history spending amount, history shroff account number.
- 5. method as claimed in claim 3, it is characterised in that the history of the payment accounts according to the mobile terminal disappears Take record and determine the target amount of money, including：Obtain history consumption place or the history shroff account number of the payment accounts of the mobile terminal；If history consumption place, which does not include current loco or history shroff account number, does not include current shroff account number, obtain pre- If the amount of money is the target amount of money.
- 6. a kind of mobile terminal, it is characterised in that the mobile terminal includes memory, at least one processor and is stored in institute State on memory and can at least one program of at least one computing device, at least one program by it is described extremely Following steps are realized during a few computing device：Receive the barcode scanning that cash receiving terminal is sent and pay request；Ask to judge whether dealing money is more than the target amount of money according to described pay；If the dealing money is more than the target amount of money, there is provided user interface supplies user's validation information；The checking information of user's input is received, judges whether the checking information of user's input matches with default checking information；If the checking information of user's input matches with the default checking information, it is allowed to pays the dealing money.
- 7. mobile terminal as claimed in claim 6, it is characterised in that described to ask to judge that dealing money is according to described pay It is no to be more than after the target amount of money, when at least one program is by least one computing device, it can also realize following step Suddenly：If the dealing money is not more than the target amount of money, it is allowed to pays the dealing money.
- 8. mobile terminal as claimed in claim 6, it is characterised in that the barcode scanning payment request for receiving cash receiving terminal and sending Afterwards, when at least one program is by least one computing device, following steps can also be realized：Acquisition preset cost is the target amount of money；OrThe target amount of money is determined according to the history consumer record of the payment accounts of the mobile terminal；OrThe target amount of money is determined according to the history collection amount of the shroff account number of the cash receiving terminal.Continuation is controlled with the target volume control mode to the volume of the mobile terminal.
- 9. mobile terminal as claimed in claim 8, it is characterised in that the history consumer record of the payment accounts includes following One or more：History consumption place, history consumption time, history spending amount, history shroff account number.
- 10. a kind of computer-readable recording medium, the computer-readable recording medium storage has computer executable at least One program, it is characterised in that at least one program makes the computer perform above-mentioned power when being performed by the computer Profit requires the step in the method described in 1~5 any one.
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| CN201710757321.XA CN107527200A (en) | 2017-08-29 | 2017-08-29 | A kind of payment management method, mobile terminal and computer-readable recording medium |
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| CN201710757321.XA CN107527200A (en) | 2017-08-29 | 2017-08-29 | A kind of payment management method, mobile terminal and computer-readable recording medium |
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108629594A (en) * | 2018-05-10 | 2018-10-09 | Oppo广东移动通信有限公司 | Method of payment, device, server and storage medium |
| CN109064158A (en) * | 2018-07-30 | 2018-12-21 | 广州新趋士网络科技有限公司 | A kind of network payment system |
| CN109255617A (en) * | 2018-08-22 | 2019-01-22 | 奇酷互联网络科技（深圳）有限公司 | Intelligent payment method, mobile terminal and computer-readable storage media |
| CN109493217A (en) * | 2018-10-16 | 2019-03-19 | 翟红鹰 | Prevent method, system, equipment and the computer readable storage medium for repeating to pay |
| CN110189139A (en) * | 2019-06-05 | 2019-08-30 | 阿里巴巴集团控股有限公司 | Payment data processing method, device, equipment and medium |
| CN110348828A (en) * | 2019-05-28 | 2019-10-18 | 平安普惠企业管理有限公司 | A kind of means of payment recommended method and device based on data analysis |
| CN110930604A (en) * | 2019-11-06 | 2020-03-27 | 海南兴际网络科技有限公司 | Scanning assembly of automatic cash register |
| CN112085508A (en) * | 2019-06-13 | 2020-12-15 | 奇酷互联网络科技（深圳）有限公司 | Payment method, terminal and device with storage function |
| CN112348509A (en) * | 2019-08-08 | 2021-02-09 | Oppo广东移动通信有限公司 | Payment method and device based on visible light communication, mobile terminal and storage medium |
| CN113112274A (en) * | 2021-04-12 | 2021-07-13 | 支付宝(杭州)信息技术有限公司 | Payment information processing method, device, equipment and medium |
| CN113496402A (en) * | 2020-04-01 | 2021-10-12 | 黑杰克科技有限公司 | Method and device for inputting code scanning payment amount, storage medium and terminal equipment |
| CN113643016A (en) * | 2021-09-01 | 2021-11-12 | 中国银行股份有限公司 | Information merging method, device, electronic equipment, medium and product |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108629594A (en) * | 2018-05-10 | 2018-10-09 | Oppo广东移动通信有限公司 | Method of payment, device, server and storage medium |
| CN109064158A (en) * | 2018-07-30 | 2018-12-21 | 广州新趋士网络科技有限公司 | A kind of network payment system |
| CN109255617A (en) * | 2018-08-22 | 2019-01-22 | 奇酷互联网络科技（深圳）有限公司 | Intelligent payment method, mobile terminal and computer-readable storage media |
| CN109493217A (en) * | 2018-10-16 | 2019-03-19 | 翟红鹰 | Prevent method, system, equipment and the computer readable storage medium for repeating to pay |
| CN110348828A (en) * | 2019-05-28 | 2019-10-18 | 平安普惠企业管理有限公司 | A kind of means of payment recommended method and device based on data analysis |
| CN110189139A (en) * | 2019-06-05 | 2019-08-30 | 阿里巴巴集团控股有限公司 | Payment data processing method, device, equipment and medium |
| CN112085508A (en) * | 2019-06-13 | 2020-12-15 | 奇酷互联网络科技（深圳）有限公司 | Payment method, terminal and device with storage function |
| CN112348509A (en) * | 2019-08-08 | 2021-02-09 | Oppo广东移动通信有限公司 | Payment method and device based on visible light communication, mobile terminal and storage medium |
| CN110930604A (en) * | 2019-11-06 | 2020-03-27 | 海南兴际网络科技有限公司 | Scanning assembly of automatic cash register |
| CN113496402A (en) * | 2020-04-01 | 2021-10-12 | 黑杰克科技有限公司 | Method and device for inputting code scanning payment amount, storage medium and terminal equipment |
| CN113112274A (en) * | 2021-04-12 | 2021-07-13 | 支付宝(杭州)信息技术有限公司 | Payment information processing method, device, equipment and medium |
| CN113643016A (en) * | 2021-09-01 | 2021-11-12 | 中国银行股份有限公司 | Information merging method, device, electronic equipment, medium and product |
| CN113643016B (en) * | 2021-09-01 | 2024-02-23 | 中国银行股份有限公司 | Information merging method, device, electronic equipment, medium and product |
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