CN108197929A - The safe payment method and device of a kind of wearable device - Google Patents
The safe payment method and device of a kind of wearable device Download PDFInfo
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- CN108197929A CN108197929A CN201711205551.1A CN201711205551A CN108197929A CN 108197929 A CN108197929 A CN 108197929A CN 201711205551 A CN201711205551 A CN 201711205551A CN 108197929 A CN108197929 A CN 108197929A
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- payment
- wearable device
- mobile terminal
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F1/00—Details not covered by groups G06F3/00 - G06F13/00 and G06F21/00
- G06F1/16—Constructional details or arrangements
- G06F1/1613—Constructional details or arrangements for portable computers
- G06F1/163—Wearable computers, e.g. on a belt
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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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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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- Business, Economics & Management (AREA)
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- General Business, Economics & Management (AREA)
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- Computer Security & Cryptography (AREA)
- Computer Hardware Design (AREA)
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- General Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
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Abstract
The invention discloses the safe payment method and device of a kind of wearable device, the method includes：The signaling and an identification information of a startup safe mode are received from intelligent mobile terminal；According to the wireless connection conditions between wearable device and intelligent mobile terminal and the identification information, it is determined whether allow to implement e-payment.When detecting between wearable device and intelligent mobile terminal there are during wireless connection, identification information is obtained, and carry out consistency confirmation with the identification information of external memory storage by wireless connection, allows to implement e-payment when being identified through.Present invention is primarily based on bluetooth modules and NFC module to realize, are not required to verify user identity by other sensors, reduce hardware cost, reduce power consumption, while also are able to prevent bracelet from causing to steal the monetary losses brushed and brought after losing；User may be selected opening timing and exempt to connect function of swiping card, and the experience brought so as to avoid user's frequent operation under the premise of risk is reduced declines.
Description
Technical field
The present invention relates to the safe payment methods and device of a kind of wearable device, belong to mobile payment technical field.
Background technology
Wearable device and mobile payment NFC device are combined, formation is a kind of to support that mobile payment NFC's is wearable
Equipment becomes a main trend of contemporary wearable product development.Although support that the wearable device of mobile payment NFC can be more
It is convenient to carry out NFC payment operation, have many advantages, such as succinctly, easily and fast.But following risk is also brought simultaneously：Mobile branch
NFC is paid to exempt from close near field payment, when wearable device is worn, there is accidentally brush risk；Wearable device is lost, and exists and steals brush wind
Danger；Thus the user of the wearable device with payment function is given to bring the Gu of electronic cash account or wallet account safety
Consider.
For example, wearable device for example pays bracelet after the loss, if potential payment function is uncontrolled or closes
It closes, is then blank there may be the risk of fund security, especially partial payment application, does not report the loss and consumer environment is de-
Machine, similar to transportation card etc..
It is above-mentioned in order to solve the problems, such as, a kind of secure payment system based on wearable device is disclosed in the prior art
System, is related to wearable device and mobile payment field, including a wearable device and a smart mobile phone, wearable device packet
Include a main control module, a NFC payment module, a sensor assembly, a wearable device bluetooth module, a power supply
Module；Smart mobile phone includes：One application processing module, a Bluetooth of mobile phone module, a safe input module.User can be with
Flexibly wearable device mobile payment NFC function is turned on or off, and personal verification process can be increased, ensures transaction peace
Entirely.The process that user is turned on and off wearable device mobile payment NFC function is transmitted by Bluetooth protocol, in Bluetooth transmission
Using encryption mechanism strategy, it is ensured that the process safety of user setting is not reliable, reproducible.
However, two deficiencies are still remained in the prior art：
(1) need by sensor assembly, for acquiring the sign data of user or environmental data, hardware cost compared with
Height, power consumption are larger.
(2) wearable device need and mobile phone bound and unbinded operation, frequent operation and it is complicated.
Invention content
In order to solve to need to rely on, sensor assembly, of high cost, power consumption is big, technical problems, the present invention such as complicated for operation carry
Supplied the safe payment method and device of a kind of wearable device, by setting safe mode and checking mark information, determine be
It is no to allow to implement e-payment.
According to an aspect of the invention, there is provided a kind of safe payment method of wearable device, the method includes：
The signaling and an identification information of a startup safe mode are received from intelligent mobile terminal；
According to the wireless connection conditions between the wearable device and intelligent mobile terminal and the identification information, determine be
It is no to allow to implement e-payment.
Further, the method includes：
By the identification information storage in the external memory of the wearable device.
Further, the identification information is User ID or user account information.
Further, the wireless connection conditions according between wearable device and intelligent mobile terminal and the mark letter
Breath, it is determined whether implementation e-payment is allowed to include：Wirelessly connect when detecting to exist between wearable device and intelligent mobile terminal
When connecing, identification information is obtained, and carry out consistency confirmation with the identification information of external memory storage by wireless connection, when true
Recognize by when allow implement e-payment.
Further, it is described that implementation e-payment is allowed to be the wireless module opened for payment.
Further, the wireless connection conditions according between wearable device and intelligent mobile terminal and the mark letter
Breath, it is determined whether implementation e-payment is allowed to include：It is not present between the intelligent mobile terminal and wearable device when detecting
During wireless connection, forbid implementing e-payment.
Further, it is described forbid implement e-payment be close for payment wireless module.
Further, the wireless module for payment is NFC wireless communication modules.
Further, the wireless connection conditions according between wearable device and intelligent mobile terminal and the mark letter
Breath, it is determined whether implementation e-payment is allowed to include：Connect when detecting to exist between intelligent wearable device and intelligent mobile terminal
When connecing, identification information is obtained, and carry out consistency confirmation with the identification information of external memory storage by wireless connection, when two
A identification information is forbidden implementing e-payment when inconsistent.
Further, the method further includes：
The signaling of a startup time triggered pattern is received from intelligent mobile terminal, according to intelligent wearable device and intelligence
Wireless connection conditions, timer state and the identification information between mobile terminal, it is determined whether allow to implement e-payment.
Further, according to wireless connection conditions, the timer state between intelligent wearable device and intelligent mobile terminal
And the identification information, it is determined whether allow to implement e-payment, including：When the intelligent mobile terminal and wearable device
When disconnection of wireless connects, timer carries out countdown according to a preset value, allows to implement e-payment before countdown terminates,
Forbid implementing e-payment after countdown.
Further, if intelligent wearable device loses timer state due to loading system again, forbid reality
Apply e-payment.
Further, when wearable device detects the wireless connection with intelligent mobile terminal, it is true to be identified information
Recognize；If it is confirmed that pass through, then reset timer to preset value and allow to implement e-payment.
Further, when emergency case occurs in the wearable device, need to reconnect the wearable device and
Intelligent mobile terminal simultaneously completes identification information verification to carry out secure payment, wherein, the emergency case includes out of power, reset or
It crashes.
Further, the method further includes：
The signaling of a closed safe pattern is received from intelligent mobile terminal, deletes the mark letter for being stored in external memory
It ceases and allows to implement e-payment.
According to another aspect of the present invention, a kind of secure payment device of wearable device, described device are additionally provided
Including：
Signaling receiving module, for receiving the signaling and a mark letter of a startup safe mode from intelligent mobile terminal
Breath；
Judgment module, for according to the wireless connection conditions between the wearable device and intelligent mobile terminal and the mark
Know information, it is determined whether allow to implement e-payment.
Further, the identification information storage is in the external memory of the wearable device.
Further, the identification information is User ID or user account information.
Further, when detecting that described device is led to there are during wireless connection between wearable device and intelligent mobile terminal
Cross wireless connection from intelligent mobile terminal obtain identification information, the judgment module by it is above-mentioned from intelligent mobile terminal obtain mark
The identification information for knowing the storage of information and external memory carries out consistency confirmation, allows to implement e-payment when being identified through.
Further, the wireless module for payment for allowing to implement that e-payment is opening wearable device.
Further, when detect between the intelligent mobile terminal and wearable device be not present wireless connection when, it is described
Judgment module is forbidden implementing e-payment.
Further, the wireless module for payment for forbidding implementing that e-payment is closing wearable device.
Further, the wireless module for payment is NFC wireless communication modules.
Further, when detecting between intelligent wearable device and intelligent mobile terminal in the presence of connection, described device is led to
Cross wireless connection from intelligent mobile terminal obtain identification information, the judgment module by it is above-mentioned from intelligent mobile terminal obtain mark
Know information and the identification information of external memory storage carries out consistency confirmation, forbid implementing when two identification informations are inconsistent
E-payment.
Further, described device further comprises：
Timing module, can according to intelligence for receiving the signaling of a startup time triggered pattern from intelligent mobile terminal
Wireless connection conditions, timer state and the identification information between wearable device and intelligent mobile terminal, it is determined whether permit
Perhaps implement e-payment.
Further, when the intelligent mobile terminal is connected with wearable device disconnection of wireless, the timing module root
Countdown is carried out according to a preset value, allows to implement e-payment before countdown terminates, forbids implementing after countdown
E-payment.
Further, if intelligent wearable device loses timer state due to loading system again, the dress
It puts and forbids implementing e-payment.
Further, when wearable device detects the wireless connection with intelligent mobile terminal, it is true to be identified information
Recognize；If it is confirmed that pass through, then reset the timing module to preset value and allow to implement e-payment.
Further, when emergency case occurs in the wearable device, need to reconnect the wearable device and
Intelligent mobile terminal simultaneously completes checking mark information to carry out secure payment, wherein, the emergency case include out of power, reset or
It crashes.
Further, described device further comprises：
Removing module, for receiving the signaling of a closed safe pattern from intelligent mobile terminal, deletion is stored in outside
The identification information of memory simultaneously allows to implement e-payment.
The advantage of the invention is that：
(1) illegal is based primarily upon bluetooth module and NFC module to realize, is not required to verify user by other sensors
Identity reduces hardware cost, reduces power consumption, while can prevent bracelet from causing to steal the monetary losses brushed and brought after losing.
(2) experience of swiping the card of user is effectively improved, user may be selected opening timing and exempt to connect function of swiping card, such as：3 days
Exempt from connection to swipe the card, exempt within 7 days to connect and swipe the card, so as to avoid under the experience that user's frequent operation is brought under the premise of risk is reduced
Drop.
Description of the drawings
By reading the detailed description of hereafter preferred embodiment, it is various other the advantages of and benefit it is common for this field
Technical staff will become clear.Attached drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings：
Attached drawing 1 shows a kind of structure diagram of safety payment system based on wearable device according to the present invention；
Attached drawing 2 shows a kind of safe payment method flow chart based on wearable device according to the present invention；
Attached drawing 3 shows another safe payment method flow chart based on wearable device according to the present invention；
Attached drawing 4 shows another safe payment method flow chart based on wearable device according to the present invention；
Attached drawing 5 shows a kind of secure payment apparatus structure schematic diagram based on wearable device according to the present invention；
Attached drawing 6 shows another secure payment apparatus structure schematic diagram based on wearable device according to the present invention；
Attached drawing 7 shows another secure payment apparatus structure schematic diagram based on wearable device according to the present invention.
Specific embodiment
The illustrative embodiments of the disclosure are more fully described below with reference to accompanying drawings.Although this public affairs is shown in attached drawing
The illustrative embodiments opened, it being understood, however, that may be realized in various forms the disclosure without the reality that should be illustrated here
The mode of applying is limited.It is to be able to be best understood from the disclosure, and can be by this public affairs on the contrary, providing these embodiments
The range opened completely is communicated to those skilled in the art.
Current wearable device safe payment method, needs by sensor assembly, for acquiring the sign number of user
According to or environmental data, hardware cost is higher, and power consumption is larger.And wearable device needs and behaviour is bound and unbinded to mobile phone
Make, frequent operation and it is complicated.
In order to solve to need to rely on, sensor assembly, of high cost, power consumption is big, technical problems, the present invention such as complicated for operation carry
Supplied the safe payment method and device of a kind of wearable device, by setting safe mode and checking mark information, determine be
It is no to allow to implement e-payment.
Embodiment 1
It is shown in Figure 1, present embodiments provide a kind of safety payment system based on wearable device, using software and
The method of combination of hardware, by wearable device 1 and intelligent mobile terminal 2 (in the present embodiment using smart mobile phone or
Ipad etc.) and its application software (APP) two parts composition, the wearable device 1 include MCU intelligent control units 11,
External memory unit 12, NFC near fields payment unit 13 and (any wireless communication skill such as bluetooth, WIFI of wireless transmission unit 14
Art) etc.；Technology and the application software of intelligent mobile terminal 2 are attached interaction to wearable device 1 by radio communication.
Specific workflow is as follows：
One " illegal " function is set in the APP of intelligent mobile terminal, in intelligent mobile terminal and wearable device
Under connection status, when user is initially opened in APP " illegal " function, mobile phone is sent out by communicating to connect to wearable device
This function is opened in command information, wearable device MCU controls.Meanwhile APP can issue a user to wearable device and uniquely mark
Know information (can be any identification information such as ID, user account), wearable device deposits identification information to external memory；
When wearable device opens " illegal " function, when each wearable device is paid, it is required for and intelligent mobile terminal
Carry out wireless connection, complete external memory in identification information and APP identification information proof of identity, verify and successfully then protect
NFC unit opening is held, allows to pay；On the contrary then positive closing NFC unit, makes wearable device that can not be paid.In this way, this
The illegal method of invention is based primarily upon bluetooth module and NFC module to realize, is not required to verify user by other sensors
Identity reduces hardware cost, reduces power consumption, while can prevent bracelet from causing to steal the monetary losses brushed and brought after losing.
If wearable device is disconnected with intelligent mobile terminal, wearable device can obtain a callback events letter
Number, learn and disconnected with intelligent mobile terminal, at this point, wearable device can positive closing NFC function, make wearable device without
Method implements payment.
In addition, under unauthorized card swiping prevention function, also there is another pattern in system, i.e. user can select to open in APP and advise
Fix time range (such as：3 days, 7 days etc.) in exempt from connection payment, APP can issue corresponding instruction to wearable device, refer to
Show the time for exempting from connection；When wearable device and intelligent mobile terminal disconnect, the MCU unit meetings of wearable device
Timer is opened, carries out countdown, wearable device cCredit card payment does not need to and intelligent sliding in the time range of the countdown
Dynamic terminal is attached；If wearable device is attached in the time range of the countdown with intelligent mobile terminal, that
The countdown will be reset at once；When wearable device and intelligent mobile terminal are again off, wearable device can drive again
Dynamic MCU units open timer, are again introduced into countdown；After countdown, when wearable device carries out cCredit card payment, palpus
It is reconnected with intelligent mobile terminal, is identified information checking：If checking mark information passes through, APP, which is authorized, opens NFC
Function completes payment；, whereas if checking mark information is not over then APP positive closings NFC payment function.It is described to fall to count
When pattern technical solution effectively improve the experience of swiping the card of user, user may be selected opening timing and exempt to connect function of swiping card, from
And the experience that user's frequent operation is brought is avoided under the premise of risk is reduced and is declined.
In addition, when wearable device out of power, reset occurs, crashes when emergency cases, the data of system MCU storage can be because
This and lose.Can not be found after system reboot, in MCU legal timer or exempt from connection setting, then before exempt from connection setting
It will fail.When user reuses payment function, need to re-start identification information verification with intelligent mobile terminal APP；
If verifying, identification information is correct, and wearable device is authorized to open NFC function and is paid.
In addition, after user closes " illegal " function in APP, wearable device is by unique mark in external memory
Knowing all working state of information and the function will all be deleted.When user reuses NFC payment function after closing successfully
When, it just can be realized completing identity validation without carrying out wireless connection with the APP of intelligent mobile terminal and wearable device awarded
Power, so as to open NFC payment function.
Embodiment 2
As shown in Fig. 2, the present invention provides a kind of safe payment method of wearable device, include the following steps：
S1, the signaling and an identification information that a startup safe mode is received from intelligent mobile terminal.
In this step, by the identification information storage in the external memory of the wearable device.The mark
Information is the User ID or user account information of intelligent mobile terminal generation.
S2, according to the wireless connection conditions between wearable device and intelligent mobile terminal and the identification information, determine be
It is no to allow to implement e-payment.
In this step, it is wearable to set when detecting between wearable device and intelligent mobile terminal there are during wireless connection
It is standby that identification information is obtained from intelligent mobile terminal by wireless connection, and carried out unanimously with the identification information of external memory storage
Property confirm：Allow to implement e-payment when two identification informations are consistent, forbid implementing electricity when two identification informations are inconsistent
Son payment.
When detect between intelligent mobile terminal and wearable device be not present wireless connection when, forbid implement e-payment.
It is to beat wireless module of the opening/closing for payment that the Enable/Disable, which implements e-payment, and the wireless module is NFC wireless
Communication module.Certainly, those skilled in the art understand, the wireless module can also be this field other can be used in payment
Wireless communication module, and it is not limited only to NFC wireless communication modules.
It can be seen that the illegal technical solution of the present invention is based primarily upon bluetooth module and NFC module to realize, it is not required to borrow
Other sensors are helped to verify user identity, hardware cost is reduced, reduces power consumption, while also are able to prevent bracelet from causing after losing
The monetary losses stolen brush and brought.
As shown in figure 3, according to a further advantageous embodiment of the invention, the safe payment method of the wearable device is also
It may further include：
S3, from intelligent mobile terminal receive one startup time triggered pattern signaling, according to intelligent wearable device with
Wireless connection conditions, timer state and identification information between intelligent mobile terminal, it is determined whether allow to implement e-payment.
In this step, when intelligent mobile terminal is connected with wearable device disconnection of wireless, timer is pre- according to one
If value carries out countdown.Allow to implement e-payment before countdown terminates, forbid implementing e-payment after countdown.
It can be seen that the technical solution of the countdown of the present invention effectively improves the experience of swiping the card of user, opening timing may be selected in user
Exempt to connect function of swiping card, the experience brought so as to avoid user's frequent operation under the premise of risk is reduced declines.
According to a preferred embodiment of the invention, if intelligent wearable device loses timer due to loading system again
State then forbids implementing e-payment.For example, when emergency case occurs in wearable device, need to reconnect wearable set
Standby and intelligent mobile terminal simultaneously completes identification information verification to carry out secure payment, wherein, the emergency case includes out of power, answers
Position is crashed.At this point, wearable device needs loading system again and reattempts to establish wireless connection with intelligent mobile terminal.
When wearable device detects the wireless connection with intelligent mobile terminal, identification information confirmation is re-started：If it is confirmed that pass through,
Timer is then reset to preset value and allows to implement e-payment；If it is confirmed that failure, then forbid implementing e-payment.
As shown in figure 4, according to a further advantageous embodiment of the invention, the safe payment method of the wearable device is also
It may further include：
S4, the signaling that a closed safe pattern is received from intelligent mobile terminal, delete the mark for being stored in external memory
Know information and allow to implement e-payment.Wearable device will be under the identification information in external memory and the safe mode
All working state is all deleted.When user reuses NFC payment function, without being carried out with the APP of intelligent mobile terminal
Wireless connection can be realized to complete identity validation to wearable device mandate, so as to open NFC payment function.
Embodiment 3
As shown in figure 5, the present invention provides a kind of secure payment device 20 of wearable device, including following module：
Signaling receiving module 21, for receiving the signaling and a mark of a startup safe mode from intelligent mobile terminal
Information；
Judgment module 22, for according to the wireless connection conditions between wearable device and intelligent mobile terminal and the mark
Information, it is determined whether allow to implement e-payment.
Wherein, the identification information storage is in the external memory of the wearable device.The identification information is intelligence
The User ID or user account information of energy mobile terminal generation.
When detecting that described device 20 is by wirelessly connecting there are during wireless connection between wearable device and intelligent mobile terminal
Connect from intelligent mobile terminal obtain identification information, the judgment module 22 by it is above-mentioned from intelligent mobile terminal obtain identification information
Consistency confirmation is carried out with the identification information of external memory storage：Allow when being identified through to implement e-payment, when two
Forbid implementing e-payment when identification information is inconsistent.It is described allow implement e-payment be open wearable device for branch
The wireless module paid.
When detect between the intelligent mobile terminal and wearable device be not present wireless connection when, the judgment module 22
Forbid implementing e-payment.The wireless module for payment for forbidding implementing that e-payment is closing wearable device.Institute
It is NFC wireless communication modules to state wireless module.Certainly, those skilled in the art understand, which can also be other
It can be used in the communication module of payment, and be not limited only to NFC wireless communication modules.
As shown in fig. 6, according to a further advantageous embodiment of the invention, the secure payment device of the wearable device is also
It may further include：
Timing module 23, for receiving the signaling of a startup time triggered pattern from intelligent mobile terminal, according to intelligence
Wireless connection conditions, timer state and identification information between wearable device and intelligent mobile terminal, it is determined whether allow
Implement e-payment.
When the intelligent mobile terminal is connected with wearable device disconnection of wireless, the timing module 23 is pre- according to one
If value carries out countdown；Allow to implement e-payment before countdown terminates, forbid implementing e-payment after countdown.
If intelligent wearable device loses timer state due to loading system again, described device forbids implementing
E-payment.For example, when emergency case occurs in wearable device, need to reconnect wearable device and intelligent mobile terminal
And identification information verification is completed to carry out secure payment；Wherein, the emergency case includes out of power, reset or crash.It at this point, can
Wearable device needs loading system again and reattempts to establish wireless connection with intelligent mobile terminal.When wearable device detects
During to wireless connection with intelligent mobile terminal, validation of information need to be identified：If it is confirmed that passing through, then the timing mould is reset
Block 23 is to preset value and allows to implement e-payment.
As shown in fig. 7, another preferred embodiment according to the present invention, the secure payment device 20 of the wearable device
It can further include：
Removing module 24, for receiving the signaling of a closed safe pattern from intelligent mobile terminal, deletion is stored in outer
The identification information of portion's memory simultaneously allows to implement e-payment.Removing module 24 is by the identification information in external memory and described
All working state under safe mode is all deleted.When user reuses NFC payment function, without whole with intelligent mobile
The APP at end carries out wireless connection and can be realized to complete identity validation to wearable device mandate, opens NFC payment function.
By three above embodiment, invention achieves following technique effects：
(1) illegal is based primarily upon bluetooth module and NFC module to realize, is not required to verify user by other sensors
Identity reduces hardware cost, reduces power consumption, but can prevent bracelet from causing to steal the fund damage brushed and brought after losing simultaneously
It loses.
(2) experience of swiping the card of user is effectively improved, user may be selected opening timing and exempt to connect function of swiping card, such as：3 days
Exempt from connection to swipe the card, exempt within 7 days to connect and swipe the card, the experience that user's frequent operation is brought is avoided on the basis of risk is reduced and is declined.
In one embodiment of the invention, the method in above-mentioned any embodiment can be controlled by computer program
Electronic equipment is realized.Therefore, ground is corresponded, also a kind of electronic equipment is provided simultaneously in the embodiment of the present invention, wraps
It includes：Memory and one or more processors；Wherein,
The memory is connect with one or more of processor communications, and the memory is stored with can be one
Or the instruction that multiple processors perform, described instruction is performed by one or more of processors, so that one or more of
Processor can realize the method described in above-mentioned any embodiment.
Meanwhile in the implementation of the present invention, additionally provide a kind of nonvolatile computer storage media, the calculating
Machine storage medium is stored with computer executable instructions, which can perform institute in above-mentioned any embodiment
The method of description.
Or in the implementation of the present invention, additionally provide a kind of computer program product, the computer product
Including computer executable instructions, which can perform the method described in above-mentioned any embodiment.
Those skilled in the art will also be appreciated that the various illustrative components, blocks that the embodiment of the present invention is listed
(illustrative logical block), unit and step can pass through the knot of electronic hardware, computer software, or both
Conjunction is realized.To clearly show that the replaceability (interchangeability) of hardware and software, above-mentioned various explanations
Property component (illustrative components), unit and step universally describe their function.Such work(
Can be that specific application and the design requirement of whole system are depended on to realize by hardware or software.Those skilled in the art
Can be for each specific function of applying, the realization of various methods can be used described, but this realization is understood not to
Beyond the range of protection of the embodiment of the present invention.
Various illustrative logical blocks or unit described in the embodiment of the present invention can by general processor,
Digital signal processor, application-specific integrated circuit (ASIC), field programmable gate array (FPGA) or other programmable logic devices,
Described function is realized or is operated in the design of discrete gate or transistor logic, discrete hardware components or any of the above described combination.
General processor can be microprocessor, optionally, the general processor may be any traditional processor, controller,
Microcontroller or state machine.Processor can also be realized by the combination of computing device, such as digital signal processor and micro-
Processor, multi-microprocessor, one or more microprocessors combine a digital signal processor core or any other like
Configuration realize.
The step of method or algorithm described in the embodiment of the present invention can be directly embedded into hardware, processor perform it is soft
The combination of part module or the two.Software module can be stored in RAM memory, flash memory, ROM memory, EPROM storages
Other any form of storaging mediums in device, eeprom memory, register, hard disk, moveable magnetic disc, CD-ROM or this field
In.Illustratively, storaging medium can be connect with processor, so that processor can read information from storaging medium, and
It can be to storaging medium stored and written information.Optionally, storaging medium can also be integrated into processor.Processor and storaging medium can
To be set in ASIC, ASIC can be set in user terminal.Optionally, processor and storaging medium can also be set to use
In different components in the terminal of family.
In one or more illustrative designs, the described above-mentioned function of the embodiment of the present invention can be in hardware, soft
Part, firmware or the arbitrary of this three combine to realize.If realized in software, these functions can store and computer-readable
It is transmitted on the medium of computer-readable on medium or with one or more instruction or code form.Computer readable medium includes electricity
Brain storaging medium and convenient for allow computer program to be transferred to from a place telecommunication media in other places.Storaging medium can be with
It is that any general or special computer can be with the useable medium of access.For example, such computer readable media can include but
It is not limited to RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage devices or other
What can be used for carrying or store with instruct or data structure and it is other can be by general or special computer or general or specially treated
The medium of the program code of device reading form.In addition, any connection can be properly termed computer readable medium, example
Such as, if software is to pass through a coaxial cable, fiber optic cables, double from a web-site, server or other remote resources
Twisted wire, Digital Subscriber Line (DSL) are defined with being also contained in for the wireless way for transmitting such as example infrared, wireless and microwave
In computer readable medium.The disk (disk) and disk (disc) includes compress disk, radium-shine disk, CD, DVD, floppy disk
And Blu-ray Disc, disk is usually with magnetic duplication data, and disk usually carries out optical reproduction data with laser.Combinations of the above
It can also be included in computer readable medium.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any one skilled in the art in the technical scope disclosed by the present invention, the change or replacement that can be readily occurred in,
It should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with the protection model of the claim
Subject to enclosing.
Claims (28)
1. a kind of safe payment method of wearable device, which is characterized in that the method includes：
The signaling and an identification information of a startup safe mode are received from intelligent mobile terminal；
According to the wireless connection conditions between the wearable device and the intelligent mobile terminal and the identification information, determine be
It is no to allow to implement e-payment.
2. according to the method described in claim 1, it is characterized in that, the method includes：
By the identification information storage in the external memory of the wearable device.
3. according to the method described in claim 2, it is characterized in that：
The identification information is User ID or user account information.
4. according to the method in claim 2 or 3, which is characterized in that described according to wearable device and intelligent mobile terminal
Between wireless connection conditions and the identification information, it is determined whether allow implement e-payment include：
When detecting between wearable device and intelligent mobile terminal there are during wireless connection, mark letter is obtained by wireless connection
Breath, and consistency confirmation is carried out with the identification information of external memory storage, allow when being identified through to implement e-payment.
5. according to the method described in claim 4, it is characterized in that：
It is described that implementation e-payment is allowed to be the wireless module opened for payment.
6. according to the method in claim 2 or 3, which is characterized in that described according to wearable device and intelligent mobile terminal
Between wireless connection conditions and the identification information, it is determined whether allow implement e-payment include：
When detect between the intelligent mobile terminal and wearable device be not present wireless connection when, forbid implement e-payment；
Alternatively, when detecting between intelligent wearable device and intelligent mobile terminal in the presence of connection, pass through wireless connection and obtain mark
Know information, and consistency confirmation is carried out with the identification information of external memory storage, forbid when two identification informations are inconsistent
Implement e-payment.
7. according to the method described in claim 6, it is characterized in that：
It is described forbid implement e-payment be close for payment wireless module.
8. the method according to claim 5 or 7, it is characterised in that：
The wireless module for payment is NFC wireless communication modules.
9. according to the method described in claim 1, it is characterized in that, the method further includes：
The signaling of a startup time triggered pattern is received from intelligent mobile terminal, according to intelligent wearable device and intelligent mobile
Wireless connection conditions, timer state and the identification information of terminal room, it is determined whether allow to implement e-payment.
10. according to the method described in claim 9, it is characterized in that, according between intelligent wearable device and intelligent mobile terminal
Wireless connection conditions, timer state and the identification information, it is determined whether allow implement e-payment, including：
When the intelligent mobile terminal is connected with wearable device disconnection of wireless, timer is counted according to a preset value
When, allow to implement e-payment before countdown terminates, forbid implementing e-payment after countdown.
11. according to the method described in claim 10, it is characterized in that：
If intelligent wearable device loses timer state due to loading system again, forbid implementing e-payment.
12. according to the method described in claim 10, it is characterized in that：
When wearable device detects the wireless connection with intelligent mobile terminal, it is identified validation of information；It is if it is confirmed that logical
It crosses, then reset timer to preset value and allows to implement e-payment.
13. according to the method described in any one of claim 1-12, it is characterised in that：
When emergency case occurs in the wearable device, need to reconnect the wearable device and intelligent mobile terminal simultaneously
Identification information verification is completed to carry out secure payment, wherein, the emergency case includes out of power, reset or crash.
14. according to the method in claim 2 or 3, which is characterized in that the method further includes：
The signaling of a closed safe pattern is received from intelligent mobile terminal, deletion is stored in the identification information of external memory simultaneously
Allow to implement e-payment.
15. the secure payment device of a kind of wearable device, which is characterized in that described device includes：
Signaling receiving module, for receiving the signaling and an identification information of a startup safe mode from intelligent mobile terminal；
Judgment module, for being believed according to the wireless connection conditions between the wearable device and intelligent mobile terminal and the mark
Breath, it is determined whether allow to implement e-payment.
16. device according to claim 15, it is characterised in that：
The identification information storage is in the external memory of the wearable device.
17. device according to claim 16, it is characterised in that：
The identification information is User ID or user account information.
18. device according to claim 16 or 17, it is characterised in that：
When detecting between wearable device and intelligent mobile terminal there are during wireless connection, described device is by wireless connection from intelligence
Energy acquisition for mobile terminal identification information, the judgment module deposit the above-mentioned identification information obtained from intelligent mobile terminal with outside
The identification information of reservoir storage carries out consistency confirmation, allows when being identified through to implement e-payment.
19. device according to claim 18, it is characterised in that：
The wireless module for payment for allowing to implement that e-payment is opening wearable device.
20. device according to claim 16 or 17, it is characterised in that：
When detect between the intelligent mobile terminal and wearable device be not present wireless connection when, the judgment module forbids reality
Apply e-payment；
Alternatively, when detecting that described device is by wirelessly connecting when there is connection between intelligent wearable device and intelligent mobile terminal
Connect from intelligent mobile terminal obtain identification information, the judgment module by it is above-mentioned from intelligent mobile terminal obtain identification information with
The identification information of external memory storage carries out consistency confirmation, forbids implementing electronics branch when two identification informations are inconsistent
It pays.
21. device according to claim 20, it is characterised in that：
The wireless module for payment for forbidding implementing that e-payment is closing wearable device.
22. the device according to claim 19 or 21, it is characterised in that：
The wireless module for payment is NFC wireless communication modules.
23. device according to claim 15, it is characterised in that：
Described device further comprises：
Timing module, it is wearable according to intelligence for receiving the signaling of a startup time triggered pattern from intelligent mobile terminal
Wireless connection conditions, timer state and the identification information between equipment and intelligent mobile terminal, it is determined whether allow real
Apply e-payment.
24. device according to claim 23, it is characterised in that：
When the intelligent mobile terminal is connected with wearable device disconnection of wireless, the timing module according to a preset value into
Row countdown allows to implement e-payment before countdown terminates, and forbids implementing e-payment after countdown.
25. device according to claim 24, it is characterised in that：
If intelligent wearable device loses timer state due to loading system again, described device forbids implementing electronics
Payment.
26. device according to claim 24, it is characterised in that：
When wearable device detects the wireless connection with intelligent mobile terminal, it is identified validation of information；It is if it is confirmed that logical
It crosses, then reset the timing module to preset value and allows to implement e-payment.
27. device according to claim 15, it is characterised in that：
When emergency case occurs in the wearable device, need to reconnect the wearable device and intelligent mobile terminal simultaneously
Checking mark information is completed to carry out secure payment, wherein, the emergency case includes out of power, reset or crash.
28. device according to claim 16 or 17, it is characterised in that：
Described device further comprises：
Removing module, for receiving the signaling of a closed safe pattern from intelligent mobile terminal, deletion is stored in external storage
The identification information of device simultaneously allows to implement e-payment.
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| CN201711205551.1A CN108197929B (en) | 2017-11-27 | 2017-11-27 | A kind of safe payment method and device of wearable device |
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| CN108197929A true CN108197929A (en) | 2018-06-22 |
| CN108197929B CN108197929B (en) | 2019-07-23 |
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| CN109118207A (en) * | 2018-08-15 | 2019-01-01 | 广东小天才科技有限公司 | A kind of method, apparatus paid by wearable device and wearable device |
| CN109308613A (en) * | 2018-09-11 | 2019-02-05 | 阿里巴巴集团控股有限公司 | A kind of payment request processing method and processing device |
| CN110826486A (en) * | 2019-11-05 | 2020-02-21 | 拉卡拉支付股份有限公司 | Face recognition auxiliary detection method and device |
| CN110992016A (en) * | 2019-10-30 | 2020-04-10 | 口碑(上海)信息技术有限公司 | Information processing method, information processing apparatus, electronic device, and computer storage medium |
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| CN108197929B (en) | 2019-07-23 |
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