CN107730255A - A kind of safe payment method, terminal and computer-readable recording medium - Google Patents
A kind of safe payment method, terminal and computer-readable recording medium Download PDFInfo
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- CN107730255A CN107730255A CN201710901897.9A CN201710901897A CN107730255A CN 107730255 A CN107730255 A CN 107730255A CN 201710901897 A CN201710901897 A CN 201710901897A CN 107730255 A CN107730255 A CN 107730255A
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Abstract
The invention provides a kind of safe payment method, terminal and computer-readable recording medium, the safe payment method comprises the following steps：At least one payment feature when obtaining to be paid；Whether each payment feature for judging to obtain is by presetting secure payment condition；When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；When each payment feature of acquisition is not by default secure payment condition, do not allow to pay.Pass through such scheme, when to be paid, by judging each payment feature of acquisition whether by presetting secure payment condition, to decide whether to allow to pay, middle authentication is by just paying successful mode compared with prior art, the security of payment is substantially increased, the property safety of user is ensure that, improves Consumer's Experience.
Description
Technical field
, can more specifically to a kind of safe payment method, terminal and computer the present invention relates to field of terminal technology
Read storage medium.
Background technology
At present, when being paid using terminals such as mobile phone, tablet personal computers, authentication mode usually inputs close user
The mode such as code checking or fingerprint authentication, once authentication is by then can successfully pay, if the password or fingerprint of user
Got by others, then others may also can use the terminal of user to be paid, and cause the economic loss of user, safety be present
Hidden danger.
The content of the invention
It is a primary object of the present invention to propose a kind of safe payment method, terminal and computer-readable recording medium, purport
Solving in the prior art, payment has the problem of potential safety hazard.
In order to solve the above technical problems, the present invention provides a kind of safe payment method, safe payment method includes following step
Suddenly：
At least one payment feature when obtaining to be paid；
Whether each payment feature for judging to obtain is by presetting secure payment condition；
When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；
When each payment feature of acquisition is not by default secure payment condition, do not allow to pay.
Optionally, whether each payment feature for judging to obtain is included by default secure payment condition：
The safety value of each payment feature of acquisition is calculated according to preset algorithm；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；
By targeted security value compared with default secure threshold；
When targeted security value is more than or equal to default secure threshold, then by presetting secure payment condition；
When targeted security value is less than default secure threshold, then not by presetting secure payment condition；
Wherein, the span for each paying the safety value of feature is [0,1], each default safe weight for paying feature
Coefficient sum is 1.
Optionally, the safety value of each payment feature of acquisition is calculated according to preset algorithm to be included：
Each payment feature of acquisition is handled by default mapping relations, each payment feature obtained
Safety value；
Default mapping relations include at least one of following two modes：
Mode one：Whether each payment feature for judging to obtain is in the range of each self-corresponding historical statistics value, if so, then
The safety value of the payment feature is 1；If it is not, then the safety value of the payment feature is 0；
Mode two：The number that payment feature occurs in historical statistics and the ratio of total statistics number is special as the payment
The safety value of sign.
Optionally, after payment is not allowed, in addition to：
Open default authentication mode；
When default authentication mode by when, then allow to pay；
When default authentication mode is obstructed out-of-date, then do not allow to pay.
Optionally, when payment feature includes payment, default mapping relations also include in the following manner：
Using maximum of the payment in historical statistics and this it is to be paid when payment value ratio as
The safety value of payment when this is to be paid；
Wherein, the value of payment when this is to be paid is more than maximum of the payment in historical statistics.
Optionally, paying feature includes time of payment point, the place of payment, payment, consumption type, authentication side
Formula.
Optionally, when each payment feature of acquisition is not by default secure payment condition, after not allowing payment,
Or when default authentication mode it is obstructed out-of-date, then after not allowing payment, in addition to：
Prompted by way of prompt tone, and/or vibrations.
Optionally, when each payment feature of acquisition is by default secure payment condition, it is allowed to after payment, or
When each payment feature of acquisition is not by default secure payment condition, after not allowing payment, or working as default body
Part verification mode by when, then after allowing payment, or when default authentication mode it is obstructed out-of-date, then do not allow to pay
Afterwards, in addition to：
Display sets interface, sets interface to include the closing options of secure payment function；Secure payment function includes：Obtain
At least one payment feature when taking to be paid；Whether each payment feature for judging to obtain is by presetting secure payment condition；
When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；When each payment feature of acquisition is not led to
When crossing default secure payment condition, do not allow to pay；
Receive the selected operation to closing options；
Closed safe payment function.
Further, the present invention provides a kind of terminal, and terminal includes processor, memory and communication bus；
Communication bus is used to realize the connection communication between processor and memory；
Processor is used to perform one or more program stored in memory, to realize foregoing safe payment method
The step of.
Further, the present invention provides a kind of computer-readable recording medium, and computer-readable recording medium storage has one
Individual or multiple programs, one or more program can be by one or more computing devices, to realize foregoing safety support
The step of method of paying.
Beneficial effect
The invention provides a kind of safe payment method, terminal and computer-readable recording medium, the safe payment method
Comprise the following steps：At least one payment feature when obtaining to be paid；Whether each payment feature for judging to obtain is by pre-
If secure payment condition；When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；It is every when acquisition
When individual payment feature is not by default secure payment condition, do not allow to pay.By such scheme, when to be paid, by sentencing
Whether the disconnected each payment feature obtained is by presetting secure payment condition, to decide whether to allow to pay, compared with prior art
Middle authentication substantially increases the security of payment, ensure that the property safety of user, carry by just paying successful mode
Consumer's Experience is risen.
Brief description of the drawings
Below in conjunction with drawings and Examples, the invention will be further described, in accompanying drawing：
Fig. 1 is the hardware architecture diagram for realizing each optional terminal of embodiment one of the present invention；
Fig. 2 is a kind of flow chart for safe payment method that first embodiment of the invention provides；
Fig. 3 is a kind of schematic diagram for setting interface display that each embodiment of the present invention provides；
Fig. 4 is a kind of schematic diagram for terminal that second embodiment of the invention provides.
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.
Describe to realize the server of each embodiment of the present invention referring now to accompanying drawing.In follow-up description, use is used
In represent element such as " module ", " part " or " unit " suffix only for be advantageous to the present invention explanation, itself is simultaneously
There is no specific meaning.Therefore, " module " can be used mixedly with " part ".
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 appreciated by those skilled in the art that in addition to being used in particular for moving the element of purpose, according to the present invention's
The construction of embodiment can also apply to the terminal of fixed type.
Referring to Fig. 1, its hardware architecture diagram for each optional terminal of embodiment one of the realization present invention, the end
End 100 can include：RF (Radio Frequency, radio frequency) unit 101, WiFi module 102, audio output unit 103, A/V
(audio/video) input block 104, sensor 105, display unit 106, user input unit 107, interface unit 108, storage
Device 109 and the grade part of processor 110.It will be understood by those skilled in the art that the terminal structure shown in Fig. 1 is not formed
Restriction to terminal, terminal can be included than illustrating more or less parts, either combine some parts or different portions
Part is arranged.
The all parts of 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), CDMA1000 (Code
Division Multiple Access 1000, CDMA 1000), 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 terminal can help user's transceiver electronicses postal by WiFi module 102
Part, browse webpage and access streaming video etc., it has provided the user wireless broadband internet and accessed.
Audio output unit 103 can be in call signal reception pattern, call mode, logging mode, language in terminal 100
It is receiving or depositing by radio frequency unit 101 or WiFi modules 102 when under the isotypes such as sound recognition mode, broadcast reception mode
It is sound that the voice data stored in reservoir 109, which is converted into audio signal and exported,.Moreover, audio output unit 103 may be used also
With the specific function provided to terminal 100 performs, related audio output is (for example, call signal receives sound, message sink sound
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 be in telephone calling model, logging mode, speech recognition mode etc. operational mode via microphone 1042
Sound (voice data) is received, and can be voice data by such acoustic processing.Audio (voice) data after processing
Can be converted in the case of telephone calling model can be sent to via radio frequency unit 101 mobile communication base station form it is defeated
Go out.Microphone 1042 can implement various types of noises and eliminate (or suppression) algorithm to eliminate (or suppression) in reception and send
Caused noise or interference during audio signal.
Terminal 100 also includes at least one sensor 105, such as optical sensor, motion sensor and other sensors.
Specifically, optical sensor includes ambient light sensor and proximity transducer, wherein, ambient light sensor can be according to ambient light
Light and shade adjusts the brightness of display panel 1061, and proximity transducer can close display panel when terminal 100 is moved in one's ear
1061 and/or backlight.As one kind of motion sensor, accelerometer sensor can detect in all directions (generally three axles) and add
The size of speed, size and the direction of gravity are can detect that when static, application (such as the horizontal/vertical screen available for identification mobile phone posture
Switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.；As for mobile phone also
Configurable fingerprint sensor, pressure sensor, iris sensor, molecule sensor, gyroscope, barometer, hygrometer, temperature
The other sensors such as meter, 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
Including display panel 1061, liquid crystal display (Liquid Crystal Display, LCD), organic light-emitting diodes can be used
Forms such as (Organic Light-Emitting Diode, OLED) is managed to configure display panel 1061.
User input unit 107 can be used for the numeral or character information for receiving input, and produce the use with terminal 100
The key signals input that family is set and function control is relevant.Specifically, user input unit 107 may include contact panel 1071
And other input equipments 1072.Contact panel 1071, also referred to as touch-screen, collect touch behaviour of the user on or near it
Make (for example user uses any suitable objects or annex such as finger, stylus on contact panel 1071 or in contact panel
Operation near 1071), and corresponding attachment means are driven according to formula set in advance.Contact panel 1071 may include to touch
Two parts of detection means and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch behaviour
Make the signal brought, transmit a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and
Contact coordinate is converted into, then gives processor 110, and the order sent of reception processing device 110 and can be performed.This
Outside, the polytypes such as resistance-type, condenser type, infrared ray and surface acoustic wave can be used to realize contact panel 1071.Except touching
Panel 1071 is controlled, user input unit 107 can also include other input equipments 1072.Specifically, other input equipments 1072
Physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operation can be included but is not limited to
One or more in bar etc., are not limited specifically herein.
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 terminal are realized so that contact panel 1071 and display panel 1061 is integrated, is not limited herein specifically
It is fixed.
Interface unit 108 is connected the interface that can pass through as at least one external device (ED) with terminal 100.It is for example, outside
Device can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or wireless number
According to port, memory card port, for connecting the port of device with identification module, audio input/output (I/O) port, regarding
Frequency I/O ports, ear port etc..Interface unit 108 can be used for receiving the input from external device (ED) (for example, data are believed
Breath, electric power etc.) and one or more elements that the input received is transferred in terminal 100 or can be used at end
Data are transmitted between end 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 terminal 100, utilizes each of various interfaces and the whole terminal 100 of connection
Part, by running or performing the software program and/or module that are stored in memory 109, and call and be stored in memory
Data in 109, the various functions and processing data of terminal 100 are performed, so as to carry out integral monitoring to terminal 100.Processor
110 may include one or more processing units；Preferably, processor 110 can integrate application processor and modem processor,
Wherein, application processor mainly handles operating system, user interface and application program etc., and modem processor mainly handles nothing
Line communicates.It is understood that above-mentioned modem processor can not also be integrated into processor 110.
Although Fig. 1 is not shown, terminal 100 can also will not be repeated here including bluetooth module etc..
Based on above-mentioned terminal hardware structure, below by way of specific embodiment, the present invention is described in detail.
First embodiment
Potential safety hazard be present to solve the problems, such as to pay in the prior art, the present embodiment will provide a kind of secure payment side
Method, referring to Fig. 2, Fig. 2 is a kind of flow chart for safe payment method that the present embodiment provides, and the safe payment method includes following
Step：
S201：At least one payment feature when obtaining to be paid；
Optionally, paying feature includes time of payment point, the place of payment, payment, consumption type, authentication side
Formula.
Consumption type includes food consumption, Clothing Consuming, traffic consumption etc., and authentication mode includes password authentification, referred to
Line checking etc..
Optionally, the mode in the place of payment includes when obtaining to be paid：Architecture, Wireless Fidelity (WiFi,
WIreless-FIdelity) positioning, global positioning system (Global Positioning System, GPS) positioning, Galileo
(Galileo satellite navigation system) positioning, the Big Dipper (BeiDou Navigation Satellite
System, BDS) position, in GLONASS (GLOBAL NAVIGATION SATELLITE SYSTEM, GLONASS) positioning
Any one mode.
Wherein, architecture is that positional information can by the positional information of telecommunications mobile operator Network Capture terminal
To be indicated by latitude and longitude coordinates；Such as by GSM (Global System for Mobile communication, entirely
Ball GSM) Network Capture terminal positional information.
WiFi positioning is that the positional information of terminal is obtained by WiFi network.
S202：Whether each payment feature for judging to obtain is by presetting secure payment condition；If so, then enter S203；
If it is not, then enter S204.
S203：Allow to pay；
S204：Do not allow to pay；
Optionally, whether each payment feature that S202 judges to obtain by default secure payment condition includes following step
Suddenly：
The first step：The safety value of each payment feature of acquisition is calculated according to preset algorithm；
Second step：The respective product for presetting safe weight coefficient of feature is paid with each to the safety value of each payment feature
Summation, obtains targeted security value；
3rd step：By targeted security value compared with default secure threshold；When targeted security value is more than or equal to default peace
During full threshold value, then by presetting secure payment condition；When targeted security value is less than default secure threshold, then do not pass through default peace
The full terms of payment；
Wherein, the span for each paying the safety value of feature is [0,1], each default safe weight for paying feature
Coefficient sum is 1.
Optionally, the safety value of each payment feature of acquisition is calculated according to preset algorithm to be included：
Each payment feature of acquisition is handled by default mapping relations, each payment feature obtained
Safety value；
Default mapping relations include at least one of following two modes：
Mode one：Whether each payment feature for judging to obtain is in the range of each self-corresponding historical statistics value, if so, then
The safety value of the payment feature is 1；If it is not, then the safety value of the payment feature is 0；
Mode two：The number that payment feature occurs in historical statistics and the ratio of total statistics number is special as the payment
The safety value of sign.
Optionally, when payment feature includes payment, except aforesaid way one, mode two can be used to determine to pay
Beyond the safety value of the amount of money, it can also be determined using following default mapping relations mode：
Using maximum of the payment in historical statistics and this it is to be paid when payment value ratio as
The safety value of payment when this is to be paid；
Wherein, the value of payment when this is to be paid is more than maximum of the payment in historical statistics.
Optionally, it is further comprising the steps of after S204 does not allow payment：
Open default authentication mode；
Default authentication mode includes password authentification, fingerprint authentication etc.；
When default authentication mode by when, then allow to pay；
When default authentication mode is obstructed out-of-date, then do not allow to pay.
After the step of S201, S202 and S204 is handled, an identity is carried out by default authentication mode and tested
Card, if default authentication mode is by allowing to pay；If default authentication mode is not by allowing to pay.
Optionally, do not allow to pay when each payment feature of acquisition is not by default secure payment condition in S204
Afterwards, or when default authentication mode it is obstructed out-of-date, then after not allowing payment, in addition to：
Prompted by way of prompt tone, and/or vibrations.
For example, when user at the train station, the place such as airport it is sleeping when, bystander completely can be ignorant in user
In the case of, consumption online is carried out by the mobile phone of user, then authentication is completed with the fingerprint of user, is passing through this implementation
After the scheme of example, if judging not allow to pay, it can be carried by way of mobile phone sends prompt tone, and/or vibrations
Show that user has safety of payment dangerous.
Optionally, in S203 when each payment feature of acquisition is by default secure payment condition, it is allowed to after payment,
Or in S204 when each payment feature of acquisition is not by default secure payment condition, after not allowing payment, Huo Zhe
When default authentication mode by when, then after allowing payment, or when default authentication mode it is obstructed out-of-date, then not
After allowing payment, in addition to：
Display sets interface, sets interface to include the closing options of secure payment function；Secure payment function includes：Obtain
At least one payment feature when taking to be paid；Whether each payment feature for judging to obtain is by presetting secure payment condition；
When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；When each payment feature of acquisition is not led to
When crossing default secure payment condition, do not allow to pay；
Receive the selected operation to closing options；
Closed safe payment function.
That is, user can decide whether closed safe payment function according to the wish of oneself.
Optionally, before at least one payment feature when S201 obtains to be paid, in addition to：
Display sets interface, sets interface to include the unlatching options of secure payment function；
Receive the selected operation to opening options；
Open secure payment function.
That is, user can decide whether to open secure payment function according to the wish of oneself.
Referring to Fig. 3, Fig. 3 is a kind of schematic diagram for setting interface display that the present embodiment provides；In Fig. 3, safety is shown
The unlatching options and closing options of payment function.
Specific example is enumerated below to illustrate：
Set precondition 1 as follows：
Time of payment point, the place of payment and payment when 10 history of counting user are paid, statistical result referring to
Table 1 below：
Table 1
When calculating the historical statistics value scope of time of payment point of user, its historical statistics value scope takes the [time of payment
The minimum value of point, the maximum of time of payment point]；
When calculating the historical statistics value scope in the place of payment of user, its historical statistics value scope takes what historical statistics was arrived
All places of payment；
Calculate user payment historical statistics value scope when, its historical statistics value scope take (0, payment
Maximum]；
It was found from above-mentioned statistical result, the historical statistics value scope of the time of payment point of user is [8 points, 17 points]；User
The historical statistics value scope in the place of payment be Shenzhen and Guangzhou；The historical statistics value scope of the payment of user for (0,
1000]；
Default mapping relations are mode one：Whether each payment feature for judging to obtain is in each self-corresponding historical statistics
In the range of value, if so, then the safety value of the payment feature is 1；If it is not, then the safety value of the payment feature is 0.
The default safe weight coefficient of time of payment point, the place of payment and payment is respectively 1/6,2/6,3/6,
Default secure threshold is 0.8.
In the case where user terminal opens secure payment function, detect when using terminal is paid,
Fingerprint authentication is passed through；
Based on above-mentioned precondition 1, following example 1 is provided：
Now get this it is to be paid when time of payment point be 12 points 30 minutes, the place of payment be Shenzhen and pay gold
Volume is 500；
Be that mode one is understood according to default mapping relations, time of payment point when this is to be paid be 12 points 30 minutes,
In historical statistics value scope [8 points, 17 points], then the safety value of time of payment when this is to be paid is 1；When this is to be paid
The place of payment is Shenzhen, in historical statistics value scope Shenzhen and Guangzhou, then the safety value in place of payment when this is to be paid
For 1；Payment when this is to be paid is 500, historical statistics value scope (0,1000] in, then branch when this is to be paid
The safety value for paying the amount of money is 1；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*1+2/6*1+3/6*1=1, it is known that, this targeted security value to be paid is 1.
It is 0.8 that this targeted security value 1 to be paid, which is more than default secure threshold, then allows this payment.
Equally based on above-mentioned precondition 1, following example 2 is provided：
Now get this it is to be paid when time of payment point be 24 points, the place of payment is Guangzhou and payment is
900；
It can be seen from default mapping relations are mode one, time of payment point when this is to be paid is 24 points, is not being gone through
In history statistical value scope [8 points, 17 points], then the safety value of time of payment when this is to be paid is 0；When this is to be paid
The place of payment is Guangzhou, in historical statistics value scope Shenzhen and Guangzhou, then the safety value in place of payment when this is to be paid
For 1；Payment when this is to be paid is 900, historical statistics value scope (0,1000] in, then branch when this is to be paid
The safety value for paying the amount of money is 1；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*0+2/6*1+3/6*1=5/6, it is known that, this targeted security value to be paid is
5/6。
It is 0.8 that this targeted security value 5/6 to be paid, which is more than default secure threshold, then allows this payment.
Equally based on above-mentioned precondition 1, following example 3 is provided：
Now get this it is to be paid when time of payment point be 12 points, the place of payment is Beijing and payment is
800；
It can be seen from default mapping relations are mode one, time of payment point when this is to be paid is 12 points, in history
In statistical value scope [8 points, 17 points], then the safety value of time of payment when this is to be paid is 1；Payment when this is to be paid
Place is Beijing, and not in historical statistics value scope Shenzhen and Guangzhou, then the safety value in place of payment when this is to be paid is
0；Payment when this is to be paid is 800, historical statistics value scope (0,1000] in, then payment when this is to be paid
The safety value of the amount of money is 1；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*1+2/6*0+3/6*1=2/3, it is known that, this targeted security value to be paid is
2/3。
It is 0.8 that this targeted security value 2/3 to be paid, which is less than default secure threshold, then does not allow this payment.
Equally based on above-mentioned precondition 1, following example 4 is provided：
Now get this it is to be paid when time of payment point be 13 points, the place of payment is Shenzhen and payment is
1100；
It can be seen from default mapping relations are mode one, time of payment point when this is to be paid is 13 points, in history
In statistical value scope [8 points, 17 points], then the safety value of time of payment when this is to be paid is 1；Payment when this is to be paid
Place is Shenzhen, and in historical statistics value scope Shenzhen and Guangzhou, then the safety value in place of payment when this is to be paid is 1；
Payment when this is to be paid is 1100, not historical statistics value scope (0,1000] in, then branch when this is to be paid
The safety value for paying the amount of money is 0；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*1+2/6*1+3/6*0=0.5, it is known that, this targeted security value to be paid is
0.5。
It is 0.8 that this targeted security value 0.5 to be paid, which is less than default secure threshold, then does not allow this payment.
Only change the default mapping relations in precondition 1, other conditions are constant, are designated as precondition 2, precondition
Default mapping relations in 2 include：
When calculating the safety value of time of payment, the default mapping relations used is modes one：Judge each of acquisition
Feature is paid whether in the range of each self-corresponding historical statistics value, if so, then the safety value of the payment feature is 1；If it is not, then
The safety value of the payment feature is 0.
When calculating the safety value in the place of payment, the default mapping relations used is modes two：Feature will be paid to go through
Safety value of the number and the ratio of total statistics number occurred in history statistics as the payment feature.
When calculating the safety value of payment, the value of the payment when this is to be paid is in the range of historical statistics
When, then the safety value of payment when this is to be paid is 1；The value of payment when this is to be paid, which is more than, pays gold
During maximum of the volume in historical statistics, the default mapping relations used is modes three：By payment in historical statistics
Maximum and the value of this payment when to be paid safety value of the ratio as this payment when to be paid.
Based on above-mentioned precondition 2, following example 5 is provided：
Now get this it is to be paid when time of payment point be 12 points 30 minutes, the place of payment be Shenzhen and pay gold
Volume is 500；
It can be seen from default mapping relations, time of payment point when this is to be paid for 12 points 30 minutes, in historical statistics
It is worth in scope [8 points, 17 points], then the safety value of time of payment when this is to be paid is 1；Place of payment when this is to be paid
For Shenzhen, the number that Shenzhen occurs in the range of historical statistics value is 7, and total statistics number is 10, then branch when this is to be paid
The safety value for paying place is 7/10；Payment when this is to be paid is 500, historical statistics value scope (0,1000] in,
The safety value of payment when then this is to be paid is 1；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*1+2/6*7/10+3/6*1=9/10, it is known that, this targeted security to be paid
It is worth for 9/10.
It is 0.8 that this targeted security value 9/10 to be paid, which is more than default secure threshold, then allows this payment.
Based on above-mentioned precondition 2, following example 6 is provided：
Now get this it is to be paid when time of payment point be 24 points, the place of payment is Guangzhou and payment is
900；
It can be seen from default mapping relations, time of payment point when this is to be paid is 24 points, not in historical statistics value
In scope [8 points, 17 points], then the safety value of time of payment when this is to be paid is 0；Place of payment when this is to be paid is
Guangzhou, the number that Guangzhou occurs in the range of historical statistics value are 3, and total statistics number is 10, then payment when this is to be paid
The safety value in place is 3/10；Payment when this is to be paid is 900, historical statistics value scope (0,1000] in, then
The safety value of payment when this is to be paid is 1；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*0+2/6*3/10+3/6*1=3/5, it is known that, this targeted security value to be paid
For 3/5.
It is 0.8 that this targeted security value 3/5 to be paid, which is less than default secure threshold, then does not allow this payment.
Based on above-mentioned precondition 2, following example 7 is provided：
Now get this it is to be paid when time of payment point be 12 points, the place of payment is Beijing and payment is
800；
It can be seen from default mapping relations, time of payment point when this is to be paid is 12 points, in historical statistics value model
Enclose in [8 points, 17 points], then the safety value of time of payment when this is to be paid is 1；Place of payment when this is to be paid is north
Capital, the number that Beijing occurs in the range of historical statistics value are 0, and total statistics number is 10, then paid place when this is to be paid
The safety value of point is 0；Payment when this is to be paid is 800, historical statistics value scope (0,1000] in, then this is treated
The safety value of payment during payment is 1；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*1+2/6*0+3/6*1=2/3, it is known that, this targeted security value to be paid is
2/3。
It is 0.8 that this targeted security value 2/3 to be paid, which is less than default secure threshold, then does not allow this payment.
Based on above-mentioned precondition 2, following example 8 is provided：
Now get this it is to be paid when time of payment point be 13 points, the place of payment is Shenzhen and payment is
1100；
It can be seen from default mapping relations, time of payment point when this is to be paid is 13 points, in historical statistics value model
Enclose in [8 points, 17 points], then the safety value of time of payment when this is to be paid is 1；Place of payment when this is to be paid is deep
Ditch between fields, the number that Shenzhen occurs in the range of historical statistics value are 7, and total statistics number is 10, then paid place when this is to be paid
The safety value of point is 7/10；Payment when this is to be paid is 1100, more than maximum of the payment in historical statistics
1000 during value, then the safety value of payment when this is to be paid is 10/11；
The safety value and each respective product for presetting safe weight coefficient of feature that pays of each payment feature are summed, obtained
To targeted security value；Specifically it is calculated as：1/6*1+2/6*7/10+3/6*10/11=0.85, it is known that, this target to be paid
Safety value is 0.85.
It is 0.8 that this targeted security value 0.85 to be paid, which is more than default secure threshold, then allows this payment.
Above-mentioned example 3,4,6,7 does not allow to pay, and after above-mentioned example 3,4,6,7, can be tested by default identity
Card mode carries out an authentication, if default authentication mode is by allowing to pay；If default authentication mode is not
By not allowing then to pay.Default authentication mode is preferably different from the fingerprint authentication mode in precondition, such as can
Think password authentification, improve security.
By the implementation of the present embodiment, when to be paid, by each payment feature for judging to obtain whether by default
Secure payment condition, to decide whether to allow to pay, middle authentication is by just paying successful mode compared with prior art, greatly
The big security for improving payment, ensure that the property safety of user, improves Consumer's Experience.
Second embodiment
In order to solve in the prior art, it is impossible to according to the operation of application program or function items in actual conditions limiting terminal,
Not intelligentized enough problem, the present embodiment provides a kind of terminal, and referring to Fig. 4, Fig. 4 is a kind of showing for terminal that the present embodiment provides
It is intended to, the terminal includes processor 401, memory 402 and communication bus 403, wherein：
Communication bus 403 is used to realize the connection communication between processor 401 and memory 402；
Processor 401 is used to perform the one or more programs stored in memory 402, to realize in first embodiment
The step of safe payment method.
By the implementation of the present embodiment, when to be paid, by each payment feature for judging to obtain whether by default
Secure payment condition, to decide whether to allow to pay, middle authentication is by just paying successful mode compared with prior art, greatly
The big security for improving payment, ensure that the property safety of user, improves Consumer's Experience.
3rd embodiment
The present embodiment provides a kind of computer-readable recording medium, and computer-readable recording medium storage has one or more
Individual program, one or more program can be by one or more computing devices, to realize the safety support in first embodiment
The step of method of paying.
By the implementation of the present embodiment, when to be paid, by each payment feature for judging to obtain whether by default
Secure payment condition, to decide whether to allow to pay, middle authentication is by just paying successful mode compared with prior art, greatly
The big security for improving payment, ensure that the property safety of user, improves Consumer's Experience.
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.) method that performs 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)
1. a kind of safe payment method, it is characterised in that the safe payment method comprises the following steps：
At least one payment feature when obtaining to be paid；
Whether each payment feature for judging to obtain is by presetting secure payment condition；
When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；
When each payment feature of acquisition is not by default secure payment condition, do not allow to pay.
2. safe payment method as claimed in claim 1, it is characterised in that whether each payment feature for judging to obtain
Included by default secure payment condition：
The safety value of each payment feature of acquisition is calculated according to preset algorithm；
Each safety value for paying feature and each respective product for presetting safe weight coefficient of feature that pays are asked
With obtain targeted security value；
By the targeted security value compared with default secure threshold；
When the targeted security value is more than or equal to the default secure threshold, then by presetting secure payment condition；
When the targeted security value is less than the default secure threshold, then not by presetting secure payment condition；
Wherein, the span of each safety value for paying feature is [0,1], each default safety for paying feature
Weight coefficient sum is 1.
3. safe payment method as claimed in claim 2, it is characterised in that described to calculate the every of acquisition according to preset algorithm
The individual safety value for paying feature includes：
Each payment feature of acquisition is handled by default mapping relations, each payment feature obtained
Safety value；
The default mapping relations include at least one of following two modes：
Mode one：Whether each payment feature for judging to obtain is in the range of each self-corresponding historical statistics value, if so, the then branch
The safety value for paying feature is 1；If it is not, then the safety value of the payment feature is 0；
Mode two：The number and the ratio of total statistics number that payment feature is occurred in historical statistics are as the payment feature
Safety value.
4. the safe payment method as described in any one of claims 1 to 3, it is characterised in that it is described do not allow payment after,
Also include：
Open default authentication mode；
When the default authentication mode by when, then allow to pay；
When the default authentication mode is obstructed out-of-date, then do not allow to pay.
5. safe payment method as claimed in claim 3, it is characterised in that when the payment feature includes payment,
The default mapping relations also include in the following manner：
By maximum of the payment in historical statistics and this it is to be paid when the payment value ratio
Safety value as this payment when to be paid；
Wherein, it is described this it is to be paid when the value of the payment be more than maximum of the payment in historical statistics
Value.
6. the safe payment method as described in any one of claims 1 to 3, it is characterised in that the payment feature includes paying
Time point, the place of payment, payment, consumption type, authentication mode.
7. safe payment method as claimed in claim 4, it is characterised in that described when each payment feature obtained is not led to
When crossing default secure payment condition, after not allowing payment, or described when the default authentication mode is obstructed out-of-date,
After then not allowing payment, in addition to：
Prompted by way of prompt tone, and/or vibrations.
8. safe payment method as claimed in claim 4, it is characterised in that described when each payment feature obtained passes through
During default secure payment condition, it is allowed to after payment, or described when each payment feature obtained does not pass through default safety
During the terms of payment, after not allowing payment, or it is described when the default authentication mode by when, then allow to pay it
Afterwards, or it is described when the default authentication mode it is obstructed out-of-date, then after not allowing payment, in addition to：
Display sets interface, the closing options for setting interface to include secure payment function；The secure payment function bag
Include：At least one payment feature when obtaining to be paid；Whether each payment feature for judging to obtain is by presetting secure payment
Condition；When each payment feature of acquisition is by default secure payment condition, it is allowed to pay；When each payment feature of acquisition
When not by default secure payment condition, do not allow to pay；
Receive the selected operation to the closing options；
Close the secure payment function.
9. a kind of terminal, it is characterised in that the terminal includes processor, memory and communication bus；
The communication bus is used to realize the connection communication between processor and memory；
The processor is used to perform one or more program stored in memory, to realize as appointed in claim 1 to 8
The step of safe payment method described in one.
A kind of 10. computer-readable recording medium, it is characterised in that the computer-readable recording medium storage have one or
Multiple programs, one or more of programs can be by one or more computing devices, to realize such as claim 1 to 8
Any one of safe payment method the step of.
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| CN201710901897.9A CN107730255A (en) | 2017-09-28 | 2017-09-28 | A kind of safe payment method, terminal and computer-readable recording medium |
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| CN109255613A (en) * | 2018-08-24 | 2019-01-22 | 中国民生银行股份有限公司 | A kind of payment processing method and device |
| CN110245931A (en) * | 2019-05-21 | 2019-09-17 | 深圳壹账通智能科技有限公司 | Method of payment and relevant device |
| CN113496400A (en) * | 2020-04-08 | 2021-10-12 | 北京意锐新创科技有限公司 | Payment channel switching method and device suitable for payment equipment |
| CN114037453A (en) * | 2021-11-16 | 2022-02-11 | 环球数科集团有限公司 | Payment processing system based on minimum credible threshold under multidimension degree |
| CN115994763A (en) * | 2023-03-23 | 2023-04-21 | 深圳市德卡科技股份有限公司 | Trusted intelligent payment method and system |
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