CN107862525A - Dynamic adjusts the methods, devices and systems of mobile payment amount - Google Patents
Dynamic adjusts the methods, devices and systems of mobile payment amount Download PDFInfo
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- CN107862525A CN107862525A CN201610842709.5A CN201610842709A CN107862525A CN 107862525 A CN107862525 A CN 107862525A CN 201610842709 A CN201610842709 A CN 201610842709A CN 107862525 A CN107862525 A CN 107862525A
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- mobile payment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention discloses a kind of methods, devices and systems of dynamic adjustment mobile payment amount, it is related to mobile payment field.Method therein includes：Mobile payment application receives the biological information of user's input, and inquires about authority levels corresponding to biological information to mobile payment trusted application；Mobile payment application receives the authority levels that mobile payment trusted application returns, according to authority levels dynamic adjustment mobile payment amount.Because the processing of all limitation amounts is completed in mobile terminal side, and backstage is unrelated, therefore is not required to dynamically adjust mobile payment amount on the premise of transforming existing authentication and authorization system.
Description
Technical field
The present invention relates to mobile payment field, more particularly to a kind of method, apparatus of dynamic adjustment mobile payment amount and
System.
Background technology
With the development of intelligent terminal, user can be transferred accounts in intelligent terminal, be inquired about and delivery operation, in order to tackle
User is unlikely to lose all wealth when meeting with stress, can be with as shown in figure 1, setting the second password or urgent close for bank account
Yard, when user, which meets with, to be plundered or threaten, input the second password, the volume that system meeting volitional check remaining sum shows, withdraws deposit and transferred accounts
Degree；When user's normal queries, normal amount can be shown by inputting normal password.
The existing voluntary ceiling technical scheme based on the second password, it is necessary to backstage for same account number set two sets of passwords,
Existing authentication and authorization system is transformed greatly and new security risk may be brought.
The content of the invention
The invention solves a technical problem be to provide it is a kind of before being not required to transform existing authentication and authorization system
Put the scheme that dynamic adjusts mobile payment amount.
According to an aspect of the present invention, a kind of method of dynamic adjustment mobile payment amount is proposed, including：Mobile payment application
The biological information of user's input is received, and level is authorized to corresponding to mobile payment trusted application inquiry biological information
Not；Mobile payment application receives the authority levels that mobile payment trusted application returns, and mobile branch is adjusted according to authority levels dynamic
Pay amount.
Further, this method also includes：Mobile payment trusted application obtains user biological signature identification and user's life
Authority levels corresponding to thing signature identification, and authority levels are back to mobile payment application, wherein user biological signature identification
Credible performing environment is stored in the mapping relations of authority levels.
Further, this method also includes：Mobile payment is applied determines the need for alert process according to authority levels, if
Need, then send alert notice to backstage.
Further, this method also includes：Mobile payment applications trigger biological characteristic authority levels registration function, so as to
Family select authority levels, and user select authority levels after call operation system biological characteristic function, to prompt user
Typing biological information corresponding with authority levels.
Further, this method also includes：Mobile payment is applied after operating system is to biological characteristic validation success, Xiang Yi
The dynamic trusted application that pays sends authority levels corresponding to biological information, so that mobile payment trusted application is in credible execution ring
Border preserves the mapping relations of user biological signature identification and authority levels.
Further, biometric identification is fingerprint；Wherein, different fingerprints corresponds to different mandate levels
Not, different authority levels correspond to different payment amounts.
Further, included according to authority levels dynamic adjustment mobile payment amount：More than authority levels dynamic adjustment
Volume shows, pays and transferred accounts amount.
According to another aspect of the present invention, it is also proposed that a kind of mobile payment device, including：Biological characteristic receiving unit, use
In the user biological characteristic information for receiving user's input；Inquiry request transmitting element, for being inquired about to mobile payment trusted application
Authority levels corresponding to user biological characteristic information；Authority levels receiving unit, returned for receiving mobile payment trusted application
Authority levels；Amount adjustment unit is paid, for according to authority levels dynamic adjustment mobile payment amount.
Further, the mobile payment device also includes warning message transmitting element；Warning message transmitting element is used for root
Alert process is determined the need for according to authority levels, if desired, then sends alert notice to backstage.
Further, the mobile payment device also includes authority levels registration trigger element；Authority levels registration triggering is single
Member is used to trigger biological characteristic authority levels registration function, so that user selects authority levels；Biological characteristic receiving unit is also used
The biological characteristic function of call operation system after authority levels are selected in user, to prompt user's typing and authority levels pair
The biological information answered.
Further, the mobile payment device also includes authority levels notification unit；Authority levels notification unit is used for
After operating system is to biological characteristic validation success, is sent to mobile payment trusted application and authorize level corresponding to biological information
Not, so that mapping of the mobile payment trusted application in credible performing environment preservation user biological signature identification and authority levels is closed
System.
Further, biometric identification is fingerprint；Wherein, different fingerprints corresponds to different mandate levels
Not, different authority levels correspond to different mobile payment amounts.
Further, amount adjustment unit is paid to be used to show, pay and transfer accounts according to authority levels dynamic adjustment remaining sum
Amount.
According to another aspect of the present invention, it is also proposed that a kind of mobile payment authentic device, including：Inquiry request receives single
Member, authority levels request corresponding to the inquiry user biological characteristic information sent for receiving mobile payment application；Authority levels
Acquiring unit, for obtaining authority levels, wherein user corresponding to user biological signature identification and user biological signature identification
The mapping relations of biometric identification and authority levels are stored in credible performing environment；Authority levels transmitting element, for that will use
Authority levels corresponding to the biometric identification of family are back to mobile payment application, apply so as to mobile payment and are moved according to authority levels
State adjusts mobile payment amount.
Further, the mobile payment authentic device also includes authority levels storage unit；Authority levels storage unit is used
In the mapping relations that user biological signature identification and authority levels are preserved in credible performing environment.
Further, biometric identification is fingerprint；Wherein, different fingerprints corresponds to different mandate levels
Not, different authority levels correspond to different payment amounts.
According to another aspect of the present invention, it is also proposed that a kind of system of dynamic adjustment mobile payment amount, including it is above-mentioned
Mobile payment device and above-mentioned mobile payment authentic device.
According to another aspect of the present invention, it is also proposed that a kind of system of dynamic adjustment mobile payment amount, including：Storage
Device；And the processor of memory is coupled to, processor is configured as performing above-mentioned side based on the instruction for being stored in memory
Method.
Compared with prior art, the biological information inputted according to user is applied in mobile payment of the present invention, from mobile branch
Pay trusted application and inquire about authority levels corresponding to the biological information, and the mandate level returned according to mobile payment trusted application
State of not moving adjusts mobile payment amount.Because the processing of all limitation amounts is completed in mobile terminal side, and backstage
It is unrelated, therefore be not required to dynamically adjust mobile payment amount on the premise of transforming existing authentication and authorization system.
It has been shown that, pay and transfer accounts etc. and authorize amount further, since different biological informations corresponds to different remaining sums,
In emergency circumstances, the mandate amount of the different biological features information volitional check user account inputted according to user, can be reduced
The loss of user.
By referring to the drawings to the present invention exemplary embodiment detailed description, further feature of the invention and its
Advantage will be made apparent from.
Brief description of the drawings
The accompanying drawing of a part for constitution instruction describes embodiments of the invention, and is used to solve together with the description
Release the principle of the present invention.
Referring to the drawings, according to following detailed description, the present invention can be more clearly understood, wherein：
Fig. 1 is the voluntary ceiling technical scheme based on the second password in the prior art.
Fig. 2 is the schematic flow sheet of the one embodiment for the method that present invention dynamic adjusts mobile payment amount.
Fig. 3 is the schematic flow sheet of another embodiment of the method that present invention dynamic adjusts mobile payment amount.
Fig. 4 A are the schematic flow sheet of the further embodiment for the method that present invention dynamic adjusts mobile payment amount.
Fig. 4 B are the Technical Architecture figure of one embodiment of the invention.
Fig. 5 is the structural representation of one embodiment of mobile payment device of the present invention.
Fig. 6 is the structural representation of another embodiment of mobile payment device of the present invention.
Fig. 7 is the structural representation of one embodiment of mobile payment authentic device of the present invention.
Fig. 8 is the structural representation of the one embodiment for the system that present invention dynamic adjusts mobile payment amount.
Fig. 9 is the structural representation of the further embodiment for the system that present invention dynamic adjusts mobile payment amount.
Embodiment
The various exemplary embodiments of the present invention are described in detail now with reference to accompanying drawing.It should be noted that：Unless have in addition
Body illustrates that the unlimited system of part and the positioned opposite of step, numerical expression and the numerical value otherwise illustrated in these embodiments is originally
The scope of invention.
Simultaneously, it should be appreciated that for the ease of description, the size of the various pieces shown in accompanying drawing is not according to reality
Proportionate relationship draw.
The description only actually at least one exemplary embodiment is illustrative to be never used as to the present invention below
And its application or any restrictions that use.
It may be not discussed in detail for technology, method and apparatus known to person of ordinary skill in the relevant, but suitable
In the case of, the technology, method and apparatus should be considered as authorizing part for specification.
In shown here and discussion all examples, any occurrence should be construed as merely exemplary, without
It is as limitation.Therefore, the other examples of exemplary embodiment can have different values.
It should be noted that：Similar label and letter represents similar terms in following accompanying drawing, therefore, once a certain Xiang Yi
It is defined, then it need not be further discussed in subsequent accompanying drawing in individual accompanying drawing.
For the object, technical solutions and advantages of the present invention are more clearly understood, below in conjunction with specific embodiment, and reference
Accompanying drawing, the present invention is described in more detail.
Fig. 2 is the schematic flow sheet of the one embodiment for the method that present invention dynamic adjusts mobile payment amount.This method
Comprise the following steps：
In step 210, mobile payment application receives the biological information of user's input, and to mobile payment trusted application
Inquire about authority levels corresponding to the biological information.For example, user's opening mobile payment APP (Application, using),
The fingerprint API (Application Programming Interface, application programming interface) of APP call operation systems,
User is prompted to input fingerprint, after fingerprint authentication success, APP inquires about this to TA (Trusted Application, trusted application)
Authority levels corresponding to fingerprint, APP operate in the operating system of mobile terminal, such as Android operation system, and TA operates in shifting
The TEE (Trusted Execution Environment, credible performing environment) of dynamic terminal.
In step 220, mobile payment application receives the authority levels that mobile payment trusted application returns.Wherein, mobile branch
The API of the biological characteristic function for the TEE that trusted application calls mobile terminal is paid, obtains user biological signature identification and user's life
Authority levels corresponding to thing signature identification.Wherein it is possible to user biological signature identification is preserved with authorizing level in credible performing environment
Other corresponding relation, for example, corresponding first authority levels of A fingerprints, corresponding second authority levels of B fingerprints, C fingerprints the corresponding 3rd are awarded
Not etc., TA does not return to the second authority levels to power level according to the B fingerprints that user inputs to APP.It is of course also possible to user fingerprints pair are set
The first mandate amount is answered, client iris corresponding second authorizes amount, and user plane the corresponding 3rd authorizes amount etc., the skill of this area
Art personnel are it can be deduced that different biological informations corresponds to different mandate amounts.
In step 230, mobile payment is applied according to authority levels dynamic adjustment mobile payment amount.Wherein, it is different to award
Power level does not correspond to different payment amounts, for example, the first authority levels correspond to normal amount, corresponding first limit of the second authority levels
Amount processed, the corresponding second limitation amount of the 3rd authority levels etc..
User can also be arranged under certain authority levels, and mobile payment application can be to sending alert notice, example from the background
Such as, after user inputs C fingerprints, mobile payment applies the background server applied to mobile payment to send alert notice, from the background may be used
Dialled 110 and alarmed etc. with automatic poking.
In this embodiment, the biological information inputted according to user is applied in mobile payment, is answered from mobile payment is credible
With authority levels corresponding to the biological information are inquired about, because credible performing environment preserves user biological signature identification with awarding
The other mapping relations of power level, therefore mobile payment trusted application calls the API of the biological characteristic function of credible performing environment, will obtain
Authority levels corresponding to the user biological signature identification taken return to mobile payment application, and mobile payment is applied according to authority levels
Dynamic adjustment mobile payment amount.The processing of all limitation amounts is completed in mobile terminal side in the embodiment, and
It is unrelated from the background, therefore the change amount of existing authentication and authorization system is reduced, also, because different biological informations is corresponding not
With remaining sum show, pay and transfers accounts etc. and authorize amount, in case of emergency, according to the different biological features information of user's input
The mandate amount of volitional check user account, can reduce the loss of user.
Fig. 3 is the schematic flow sheet of another embodiment of the method that present invention dynamic adjusts mobile payment amount.The party
Method comprises the following steps：
In step 310, user opens mobile payment application, triggers biological characteristic authority levels registration function, user's selection
After a kind of authority levels, the API of the biological characteristic function of mobile payment application call mobile terminal operating system, prompt user defeated
Enter the biological information of corresponding level.For example, mobile payment APP triggers fingerprint authority levels registration function, user can select
Normal level, limitation rank 1, limitation rank 2 etc. are selected, the fingerprint function of application call mobile phone operating system, prompts user defeated
Enter the fingerprint of corresponding level, wherein, same user account can associate multiple fingerprints.
In step 320, after operating system is proved to be successful to biological information, mobile payment applicative notifications mobile payment can
Letter applies authority levels corresponding to this biological information.Wherein it is possible to store the multiple biologies of user in operating system in advance
Characteristic information, for example, operating system multiple finger print informations of typing user, when user inputs some fingerprint, operating system pair
Fingerprint is verified.
In step 330, mobile payment trusted application calls the biological characteristic function of the credible performing environment of mobile terminal
API, the biometric identification of last time good authentication is obtained, biometric identification and authority levels are made binding registration, its
In, binding (mapping) relation is stored in credible performing environment.
In this embodiment, by biological characteristic authority levels registering flow path, each biological information pair can be set
Answer an authority levels, the corresponding payment amount of each authority levels, in addition, pair of biometric identification and authority levels
It should be related to and be stored in TEE environment that there is identical tier of security protection with biological condition code, in addition, the biological characteristic mandate level
Other registering flow path is performed in mobile terminal side, and backstage is unrelated, therefore reduces the change amount of existing authentication and authorization system.
Fig. 4 A are the schematic flow sheet of the further embodiment for the method that present invention dynamic adjusts mobile payment amount.Its
In, operating system is by taking Android as an example in the embodiment, and using meeting, Global Platform are international to be marked credible performing environment
Accurate TEE environment, mobile payment application are the APP operated in Android operation system, and mobile payment trusted application is operation
In the TA of TEE environmentally, wherein：
In step 410, user opens mobile payment APP, and the function of triggering fingerprint authority levels registration, user selects a kind of
After rank (normal level, limitation rank 1, limitation rank 2 etc.), APP calls Android fingerprint API, and ejection fingerprint input carries
Show frame, prompt user to input the fingerprint of corresponding level, wherein, the operating system such as iOS, Android is provided which fingerprint function API.
In step 420, after Android is to fingerprint authentication success, this fingerprint pair of mobile payment APP notice mobile payment TA
The authority levels answered.
In step 430, mobile payment TA calls the fingerprint function of TEE environment, obtains the fingerprint of last time good authentication
ID, and fingerprint ID is made binding registration with corresponding authority levels, binding relationship is stored in TEE environment.
User can continue executing with step 310-330, for the different fingerprint of different authority levels typings.
In step 440, user opens mobile payment APP, before being introduced into using function of tonic chord interface, application call
Android fingerprint API, user is prompted to input fingerprint.
In step 450, after Android is to fingerprint authentication success, mobile payment APP inquires about this fingerprint to mobile payment TA
Corresponding authority levels.
In step 460, mobile payment TA calls the fingerprint function of TEE environment, obtains the fingerprint of last time good authentication
ID, and from registration record before, corresponding authority levels are found according to fingerprint ID.
In step 470, mobile payment TA returns to authority levels to mobile payment APP.
In step 480, for mobile payment APP according to authority levels, the amount that shows, pays and transfer accounts to remaining sum does normal or limit
The operation of system.As shown in Figure 4 B, same account associates multiple fingerprints, the corresponding amount of each fingerprint.Set normal level
Authorize 100%, 20% that the mandate amount of limitation rank 1 is account balance, the mandate for limiting rank 2 that amount is account balance
Amount is 10% etc. of account balance, and certainly, user can also voluntarily set amount corresponding to each rank.
In step 490, mobile payment APP pre-setting in limitation rank, optionally to sending alarm from the background
Notice.
In this embodiment, the corresponding fingerprint ID of each fingerprint, user can set different fingerprint ID corresponding not
With remaining sum the mandate amount such as show, pay and transfers accounts, mobile payment APP is inquired about to TA corresponding to the fingerprint that this is verified
Amount is authorized, TA obtains the fingerprint ID that last time good authentication passes through, and finds corresponding from binding relationship according to fingerprint ID
Mandate amount, and return to APP, APP is according to default rule, the mandate amount of volitional check user account, due to all
The processing of limitation amount all completed in end side, it is unrelated with backstage, therefore be not required to transform existing authentication and authorization system；Separately
Outside, the embodiment can be to be traded the mature technology of checking, NATIVE FUSION based on fingerprint in existing mobile payment；In addition, refer to
Line ID and authority levels binding relationship, it is stored in credible performing environment, and non-generic operating system side, with fingerprint characteristic
Code has identical security levels；Furthermore user is in case of emergency, the function of different fingers is remembered, than remembering simultaneously
Recall being easier for two sets of passwords.
Fig. 5 is the structural representation of one embodiment of mobile payment device of the present invention.The mobile payment device includes moving
It is dynamic to pay APP, specifically include biological characteristic receiving unit 510, inquiry request transmitting element 520, authority levels receiving unit 530
With pay amount adjustment unit 540, wherein：
Biological characteristic receiving unit 510 receives the biological information of user's input.For example, user opens mobile payment
The fingerprint API of APP, APP call operation system, user is prompted to input fingerprint.Inquiry request transmitting element 520 is used for mobile branch
Pay authority levels corresponding to trusted application inquiry biological information.For example, after fingerprint authentication success, mobile payment APP is to TA
Inquire about authority levels corresponding to this fingerprint.Authority levels receiving unit 430 is used to receive the return of mobile payment trusted application
The API of the biological characteristic function of authority levels, the wherein TEE of mobile payment trusted application mobile terminal, it is special to obtain user biological
Authority levels corresponding to sign mark and user biological signature identification, and the authority levels are back to authority levels receiving unit
530.Wherein it is possible to user biological signature identification and the corresponding relation of authority levels are preserved in credible performing environment, for example, A refers to
Corresponding first authority levels of line, corresponding second authority levels of B fingerprints, corresponding 3rd authority levels of C fingerprints etc..Pay amount adjustment
Unit 540 is used for according to authority levels dynamic adjustment mobile payment amount.Wherein, different authority levels correspond to different payments
Amount, for example, the first authority levels correspond to normal amount, the corresponding first limitation amount of the second authority levels, the 3rd authority levels
Corresponding second limitation amount etc..
In this embodiment, the biological information that mobile payment device inputs according to user, answered from mobile payment is credible
With inquire about the biological information corresponding to authority levels, and according to mobile payment trusted application return authority levels dynamic adjust
Whole mobile payment amount.The processing of all limitation amounts is completed in mobile terminal side in the embodiment, and backstage nothing
Close, therefore reduce the change amount of existing authentication and authorization system, also, due to different biological informations correspond to it is different more than
Volume, which shows, pays and transferred accounts etc., authorizes amount, in case of emergency, the different biological features information automatic limiting inputted according to user
The mandate amount of user account processed, can reduce the loss of user.
Fig. 6 is the structural representation of another embodiment of mobile payment device of the present invention.The mobile payment device includes
Authority levels registration trigger element 610, biological characteristic receiving unit 620 and authority levels notification unit 630, wherein：
Authority levels registration trigger element 610 is used to trigger biological characteristic authority levels registration function, so that user selects
Authority levels.For example, mobile payment APP triggers fingerprint authority levels registration function, user can select normal level, limiter stage
Other 1, rank 2 etc. is limited.Biological characteristic receiving unit 620 is used for the authority levels call operation system selected according to user
The API of biological characteristic function, to prompt user's typing biological information corresponding with authority levels.For example, mobile payment
The fingerprint function of APP calling mobile phone operating systems, user is prompted to input the fingerprint of corresponding level, wherein, same user account
Multiple fingerprints can be associated.Authority levels notification unit 630 is used to notify this biological information of mobile payment trusted application
Corresponding authority levels, so that mobile payment trusted application calls the biological characteristic function of the credible performing environment of mobile terminal
API, the biometric identification of last time good authentication is obtained, biometric identification and authority levels are made binding registration, its
In, binding (mapping) relation is stored in credible performing environment.The multiple biological characteristics of user can be stored in operating system in advance
Information, for example, operating system multiple finger print informations of typing user, when user inputs some fingerprint, operating system is to fingerprint
Verified, authority levels corresponding to this fingerprint of mobile payment APP notice mobile payment TA, mobile payment TA calls TEE rings
The fingerprint function in border, obtains the fingerprint ID of last time good authentication, and fingerprint ID is stepped on corresponding authority levels as binding
Note, binding relationship are stored in TEE environment.
In this embodiment it is possible to the corresponding authority levels of each biological information, each authority levels are set
Corresponding payment amount, in addition, the corresponding relation of biometric identification and authority levels is stored in TEE environment, with biology
Condition code has identical tier of security protection, in addition, the biological characteristic authority levels registering flow path is held in mobile terminal side
OK, and backstage is unrelated, therefore is not required to transform existing authentication and authorization system.
In another embodiment of the present invention, the mobile payment device also includes inquiry request transmitting element 640, authorized
Rank receiving unit 650, amount adjustment unit 660 and warning message transmitting element 670 are paid, wherein：
Authority levels registration trigger element 610 is used for the function of triggering the registration of fingerprint authority levels, so as to user's selection one
Kind rank, such as normal level, limitation rank 1, limitation rank 2 etc..Biological characteristic receiving unit 620 is used for call operation system
Fingerprint API, ejection fingerprint input prompting frame, prompt user input corresponding level fingerprint.Authority levels notification unit 630 is used
After in operating system to fingerprint authentication success, authority levels corresponding to this fingerprint of mobile payment TA are notified, so as to mobile branch
The fingerprint function that TA calls TEE environment is paid, obtains the fingerprint ID of last time good authentication, and fingerprint ID and corresponding mandate
Rank makees binding registration, and binding relationship is stored in TEE environment.
Biological characteristic receiving unit 620 is additionally operable to receive the finger print information of user's input.Inquiry request transmitting element 640 is used
After in operating system to fingerprint authentication success, authority levels corresponding to this fingerprint are inquired about to mobile payment TA, wherein, it is mobile
The fingerprint function that TA calls TEE environment is paid, obtains the fingerprint ID of last time good authentication, and from registration record before
In, corresponding authority levels are found according to fingerprint ID.Authority levels receiving unit 650 is used to receive awarding for mobile payment TA returns
Power level is other.Amount adjustment unit 660 is paid to be used for according to authority levels, the amount that show, pays and transfer accounts to remaining sum do normally or
The operation of limitation.Warning message transmitting element 670 is used for pre-setting in limitation rank, optionally to sending from the background
Alert notice.
In this embodiment, the corresponding fingerprint ID of each fingerprint, user can set different fingerprint ID corresponding not
With remaining sum the mandate amount such as show, pay and transfers accounts, mobile payment APP is inquired about to TA corresponding to the fingerprint that this is verified
Amount is authorized, TA obtains the fingerprint ID that last time good authentication passes through, and finds corresponding from binding relationship according to fingerprint ID
Mandate amount, and return to APP, APP is according to default rule, the mandate amount of volitional check user account, due to all
The processing of limitation amount all completed in end side, it is unrelated with backstage, therefore be not required to transform existing authentication and authorization system；Separately
Outside, the embodiment can be to be traded the mature technology of checking, NATIVE FUSION based on fingerprint in existing mobile payment；In addition, refer to
Line ID and authority levels binding relationship, it is stored in credible performing environment, and non-generic operating system side, with fingerprint characteristic
Code has identical security levels；Furthermore user is in case of emergency, the function of different fingers is remembered, than remembering simultaneously
Recall being easier for two sets of passwords.
Fig. 7 is the structural representation of one embodiment of mobile payment authentic device of the present invention.The mobile payment is credible dress
Put including including mobile payment TA, specifically including inquiry request receiving unit 710, authority levels acquiring unit 720 and authorizing level
Other transmitting element 730, wherein：
The inquiry user biological characteristic information that inquiry request receiving unit 710 is used to receive mobile payment application transmission is corresponding
Authority levels request, wherein biological information can be user fingerprints information.Authority levels acquiring unit 720 is used to call
The API of the biological characteristic function of the credible performing environment of mobile terminal, obtains user biological signature identification and user biological is special
Authority levels corresponding to sign mark.Wherein it is possible to preserve user biological signature identification and authority levels in credible performing environment
Corresponding relation, for example, corresponding first authority levels of A fingerprints, corresponding second authority levels of B fingerprints, C fingerprints the corresponding 3rd authorize level
Not etc..Authority levels transmitting element 730 should for authority levels corresponding to user biological signature identification to be back into mobile payment
With so that mobile payment is applied according to authority levels dynamic adjustment mobile payment amount.For example, the B that TA inputs according to user refers to
Line returns to the second authority levels to APP, and APP shows limitation amount according to the second authority levels.
In this embodiment, authority levels corresponding to mobile payment authentic device inquiry user biological characteristic information, and will
Authority levels are back to mobile payment application, so that mobile payment is applied according to authority levels dynamic adjustment mobile payment amount,
The processing of all limitation amounts is all unrelated in mobile terminal side completion and backstage in the embodiment, therefore is reduced existing
The change amount of authentication and authorization system, also, show, pay and transfer accounts because different biological informations corresponds to different remaining sums
Deng mandate amount, in case of emergency, the mandate of the different biological features information volitional check user account inputted according to user
Amount, the loss of user can be reduced.
In another embodiment of the present invention, the mobile payment authentic device can also include authority levels storage unit
740, authority levels storage unit 740 is used for the authority levels according to corresponding to the biological information of mobile payment application transmission,
Call the API of the biological characteristic function of credible performing environment, so as to credible performing environment preserve user biological signature identification with
The mapping relations of authority levels, for example, mobile payment application sends authority levels corresponding to each fingerprint of user, authority levels preserve
Unit 740 calls the API of the fingerprint function of credible performing environment, obtains the fingerprint ID of last time good authentication, and fingerprint
ID makees binding registration with corresponding authority levels, and binding relationship is stored in TEE environment.
In this embodiment, user biological signature identification and the binding relationship of authority levels, are stored in credible performing environment
In, and non-generic operating system side, there are identical security levels with biological condition code.Further, since user biological
Signature identification and the binding relationship of authority levels are stored in end side, unrelated with backstage, therefore are not required to transform existing certification and award
Power system.
Fig. 8 is the structural representation of the one embodiment for the system that present invention dynamic adjusts mobile payment amount.The system
Including mobile payment device 810 and mobile payment authentic device 820, wherein mobile payment device 810 and the credible dress of mobile payment
Put 820 and carried out detailed reception in the above-described embodiments, be no longer expanded on further herein.
In this embodiment, mobile payment device and mobile payment authentic device are all disposed within mobile terminal side, i.e., all
The processing of limitation amount be all to be completed in mobile terminal side and backstage is unrelated, therefore reduce existing authentication and authorization system
Change amount.In addition, the present invention can naturally be melted with being traded the mature technology of checking in existing mobile payment based on fingerprint
Close；In addition, fingerprint ID and the binding relationship of authority levels, are stored in credible performing environment, and non-generic operating system side,
There are identical security levels with fingerprint character code；Furthermore user is in case of emergency, the work(of different fingers is remembered
Can, than being easier for two sets of passwords of memory simultaneously.
Fig. 9 is the structural representation of the further embodiment for the system that present invention dynamic adjusts mobile payment amount.Dynamically
The system 900 of adjustment mobile payment amount includes memory 910 and processor 920.Memory 910 can be disk, flash memory or
Other any non-volatile memory mediums.Memory is used to store the instruction in embodiment corresponding to Fig. 2-4A.The coupling of processor 920
Memory 910 is connected to, one or more integrated circuits can be used as to implement, such as microprocessor or microcontroller.The processing
Device 920 is used to perform the instruction stored in memory.In one embodiment, processor 920 is coupled to by BUS buses 930
Memory 910.The system 900 of the dynamic adjustment mobile payment amount can also pass through 940 externally connected storage of memory interface
Device 950 can also be connected to network or an other computer system to call external data by network interface 960
(not shown).No longer describe in detail herein.
In this embodiment, instructed by memory stores data, then above-mentioned instruction is handled by processor, can be not
Mobile payment amount can be dynamically adjusted on the premise of existing authentication and authorization system need to be transformed.
So far, the present invention is described in detail.In order to avoid the design of the masking present invention, it is public that this area institute is not described
Some details known.Those skilled in the art as described above, can be appreciated how to implement technology disclosed herein completely
Scheme.
The method and device of the present invention may be achieved in many ways.For example, can by software, hardware, firmware or
Person's software, hardware, firmware any combinations come realize the present invention method and device.The step of for methods described it is above-mentioned
Order is not limited to order described in detail above merely to illustrate, the step of method of the invention, unless with other sides
Formula illustrates.In addition, in certain embodiments, the present invention can be also embodied as recording program in the recording medium, these
Program includes being used for the machine readable instructions for realizing the method according to the invention.Thus, the present invention also covering storage is used to perform
The recording medium of the program of the method according to the invention.
Although some specific embodiments of the present invention are described in detail by example, the skill of this area
Art personnel it should be understood that above example merely to illustrating, the scope being not intended to be limiting of the invention.The skill of this area
Art personnel to above example it should be understood that can modify without departing from the scope and spirit of the present invention.This hair
Bright scope is defined by the following claims.
Claims (18)
- A kind of 1. method of dynamic adjustment mobile payment amount, it is characterised in that including：Mobile payment application receives the biological information of user's input, and special to the mobile payment trusted application inquiry biology Authority levels corresponding to reference breath；The mobile payment application receives the authority levels that the mobile payment trusted application returns, and is moved according to the authority levels State adjusts mobile payment amount.
- 2. according to the method for claim 1, it is characterised in that also include：The mobile payment trusted application obtains awards corresponding to user biological signature identification and the user biological signature identification Power level is other, and the authority levels are back into the mobile payment application, wherein the user biological signature identification with it is described The mapping relations of authority levels are stored in credible performing environment.
- 3. according to the method for claim 1, it is characterised in that also include：The mobile payment is applied determines the need for alert process according to the authority levels, if desired, is then sent to backstage Alert notice.
- 4. according to the method for claim 1, it is characterised in that also include：The mobile payment applications trigger biological characteristic authority levels registration function, so as to user select authority levels, and with The biological characteristic function of call operation system after family selection authority levels, to prompt user's typing and the authority levels Corresponding biological information.
- 5. according to the method for claim 4, it is characterised in that also include：The mobile payment is applied after the operating system is to biological characteristic validation success, to the mobile payment trusted application Authority levels corresponding to the biological information are sent, so that the mobile payment trusted application preserves in credible performing environment The user biological signature identification and the mapping relations of the authority levels.
- 6. according to any described methods of claim 1-5, it is characterised in that the biometric identification is fingerprint；Wherein, different fingerprints corresponds to different authority levels, and different authority levels correspond to different payment amounts.
- 7. according to any described methods of claim 1-5, it is characterised in that described to be moved according to authority levels dynamic adjustment The dynamic amount that pays includes：It has been shown that, paid and transferred accounts amount according to authority levels dynamic adjustment remaining sum.
- A kind of 8. mobile payment device, it is characterised in that including：Biological characteristic receiving unit, for receiving the user biological characteristic information of user's input；Inquiry request transmitting element, for inquiring about mandate corresponding to the user biological characteristic information to mobile payment trusted application Rank；Authority levels receiving unit, the authority levels returned for receiving the mobile payment trusted application；Amount adjustment unit is paid, for according to authority levels dynamic adjustment mobile payment amount.
- 9. mobile payment device according to claim 8, it is characterised in that also including warning message transmitting element；The warning message transmitting element is used to according to the authority levels determine the need for alert process, if desired, then to Backstage sends alert notice.
- 10. mobile payment device according to claim 8, it is characterised in that also register trigger element including authority levels；The authority levels registration trigger element is used to trigger biological characteristic authority levels registration function, so that user selects to authorize Rank；The biological characteristic receiving unit is additionally operable to the biological characteristic function of the call operation system after user selects authority levels, To prompt user's typing biological information corresponding with the authority levels.
- 11. mobile payment device according to claim 10, it is characterised in that also including authority levels notification unit；The authority levels notification unit is used for after the operating system is to biological characteristic validation success, to the mobile payment Trusted application sends authority levels corresponding to the biological information, so that the mobile payment trusted application is in credible execution Environment preserves the user biological signature identification and the mapping relations of the authority levels.
- 12. according to any described mobile payment devices of claim 8-11, it is characterised in that the biometric identification is finger Line identifies；Wherein, different fingerprints corresponds to different authority levels, and different authority levels correspond to different mobile payment volumes Degree.
- 13. according to any described mobile payment devices of claim 8-11, it is characterised in that the payment amount adjustment unit For being shown, paying and being transferred accounts amount according to authority levels dynamic adjustment remaining sum.
- A kind of 14. mobile payment authentic device, it is characterised in that including：Inquiry request receiving unit, mandate corresponding to the inquiry user biological characteristic information sent for receiving mobile payment application Level request；Authority levels acquiring unit, awarded for obtaining corresponding to user biological signature identification and the user biological signature identification Power level is other, wherein the user biological signature identification and the mapping relations of the authority levels are stored in credible performing environment；Authority levels transmitting element, for authority levels corresponding to the user biological signature identification to be back into the mobile branch Application is paid, so that the mobile payment is applied according to authority levels dynamic adjustment mobile payment amount.
- 15. mobile payment authentic device according to claim 14, it is characterised in that also preserved including authority levels single Member；The authority levels storage unit be used for the credible performing environment preserve the user biological signature identification with it is described The mapping relations of authority levels.
- 16. the mobile payment authentic device according to claims 14 or 15, it is characterised in that the biometric identification is Fingerprint；Wherein, different fingerprints corresponds to different authority levels, and different authority levels correspond to different payment amounts.
- 17. a kind of system of dynamic adjustment mobile payment amount, it is characterised in that including any described shiftings of claim 8-13 The dynamic any described mobile payment authentic device of payment mechanism and claim 14-16.
- A kind of 18. system of dynamic adjustment mobile payment amount, it is characterised in that including：Memory；AndThe processor of the memory is coupled to, the processor is configured as performing based on the instruction for being stored in the memory Method as described in any one of claim 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610842709.5A CN107862525A (en) | 2016-09-22 | 2016-09-22 | Dynamic adjusts the methods, devices and systems of mobile payment amount |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610842709.5A CN107862525A (en) | 2016-09-22 | 2016-09-22 | Dynamic adjusts the methods, devices and systems of mobile payment amount |
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| CN107862525A true CN107862525A (en) | 2018-03-30 |
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| CN201610842709.5A Pending CN107862525A (en) | 2016-09-22 | 2016-09-22 | Dynamic adjusts the methods, devices and systems of mobile payment amount |
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Application publication date: 20180330 |