CN108197929B - A kind of safe payment method and device of wearable device - Google Patents
A kind of safe payment method and device of wearable device Download PDFInfo
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- CN108197929B CN108197929B CN201711205551.1A CN201711205551A CN108197929B CN 108197929 B CN108197929 B CN 108197929B CN 201711205551 A CN201711205551 A CN 201711205551A CN 108197929 B CN108197929 B CN 108197929B
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- 238000000034 method Methods 0.000 title claims abstract description 38
- 230000011664 signaling Effects 0.000 claims abstract description 23
- 238000012790 confirmation Methods 0.000 claims abstract description 20
- 238000004891 communication Methods 0.000 claims description 16
- 238000012795 verification Methods 0.000 claims description 5
- 230000006870 function Effects 0.000 abstract description 29
- 230000007423 decrease Effects 0.000 abstract 1
- 238000010586 diagram Methods 0.000 description 6
- 230000008901 benefit Effects 0.000 description 4
- 238000004080 punching Methods 0.000 description 4
- 230000009467 reduction Effects 0.000 description 4
- 230000005540 biological transmission Effects 0.000 description 3
- 238000004590 computer program Methods 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 230000001680 brushing effect Effects 0.000 description 2
- 238000013461 design Methods 0.000 description 2
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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
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- 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
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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 safe payment method of wearable device and devices, which comprises the signaling and an identification information of a starting safe mode are received from intelligent mobile terminal；According to the wireless connection conditions and the identification information between wearable device and intelligent mobile terminal, it is determined whether allow to implement e-payment.When detecting that by being wirelessly connected acquisition identification information, and the identification information stored with external memory carries out consistency confirmation when there is wireless connection between wearable device and intelligent mobile terminal, implementation e-payment is allowed 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 causing to steal after can also preventing bracelet from losing to brush and bring monetary losses；User may be selected opening timing and exempt to connect function of swiping card, to avoid the experience decline of user's frequent operation bring under the premise of reducing risk.
Description
Technical Field
The invention relates to a safe payment method and device of wearable equipment, and belongs to the technical field of mobile payment.
Background
The wearable device and the mobile payment NFC device are combined to form the wearable device supporting mobile payment NFC, and the wearable device becomes a great trend of the development of current wearable products. Although the wearable device supporting mobile payment NFC can conveniently perform NFC payment operation, the wearable device has the advantages of being concise, convenient, rapid and the like. But also carries the following risks: the mobile payment NFC is secret-free near field payment, and when the wearable equipment is worn, the risk of mistaken swiping exists; the wearable equipment is lost, and the risk of brush stealing exists; thereby creating a security concern for an electronic cash account or wallet account to the user of a wearable device having payment functionality.
For example, after a wearable device, such as a payment bracelet, is lost, its underlying payment functions, if uncontrolled or turned off, may create a risk of fund security, especially if some of the payment applications are anonymous, not registered, and the consumer environment is offline, similar to a transit card, etc.
In order to solve the existing problems, the prior art discloses a secure payment system based on wearable equipment, which relates to the field of wearable equipment and mobile payment and comprises the wearable equipment and a smart phone, wherein the wearable equipment comprises a main control module, an NFC payment module, a sensor module, a wearable equipment Bluetooth module and a power supply module; the smart phone comprises: an application processing module, a mobile phone Bluetooth module and a safety input module. The user can open or close the wearable device mobile payment NFC function in a flexible mode, the personal identity authentication process can be added, and the transaction safety is guaranteed. The process that the user opened or closed wearable equipment mobile payment NFC function passes through the bluetooth protocol transmission, adopts encryption mechanism strategy in the bluetooth transmission, ensures that the process that the user set up is safe and reliable, can not duplicate.
However, two disadvantages still exist in the prior art:
(1) the sensor module is used for collecting physical sign data or environmental data of a user, so that the hardware cost is high and the power consumption is high.
(2) The wearable device needs to be bound and unbound with the mobile phone, and the operation is frequent and complex.
Disclosure of Invention
In order to solve the technical problems of sensor module dependence, high cost, high power consumption, complex operation and the like, the invention provides a safe payment method and a safe payment device of wearable equipment.
According to an aspect of the invention, there is provided a secure payment method of a wearable device, the method comprising:
receiving a signaling for starting a security mode and identification information from the intelligent mobile terminal;
and determining whether to allow the implementation of the electronic payment according to the wireless connection state between the wearable device and the intelligent mobile terminal and the identification information.
Further, the method comprises:
storing the identification information within an external memory of the wearable device.
Further, the identification information is a user ID or user account information.
Further, the determining whether to allow implementation of the electronic payment according to the wireless connection state between the wearable device and the smart mobile terminal and the identification information includes: when the fact that wireless connection exists between the wearable device and the intelligent mobile terminal is detected, identification information is obtained through the wireless connection and is subjected to consistency confirmation with the identification information stored in the external memory, and electronic payment is allowed to be carried out when the confirmation is passed.
Further, the allowing of the electronic payment is opening a wireless module for payment.
Further, the determining whether to allow implementation of the electronic payment according to the wireless connection state between the wearable device and the smart mobile terminal and the identification information includes: and when detecting that no wireless connection exists between the intelligent mobile terminal and the wearable device, forbidding implementing the electronic payment.
Further, the prohibiting the electronic payment is turning off the wireless module for payment.
Further, the wireless module for payment is an NFC wireless communication module.
Further, the determining whether to allow implementation of the electronic payment according to the wireless connection state between the wearable device and the smart mobile terminal and the identification information includes: when the connection between the intelligent wearable device and the intelligent mobile terminal is detected, the identification information is obtained through wireless connection and is confirmed to be consistent with the identification information stored in the external memory, and electronic payment is forbidden to be implemented when the two identification information are inconsistent.
Further, the method further comprises:
and receiving a signaling for starting a time trigger mode from the intelligent mobile terminal, and determining whether to allow electronic payment to be implemented according to the wireless connection state between the intelligent wearable device and the intelligent mobile terminal, the state of the timer and the identification information.
Further, determining whether to allow implementation of electronic payment according to the wireless connection state between the smart wearable device and the smart mobile terminal, the timer state, and the identification information includes: when the intelligent mobile terminal is disconnected with the wearable device in a wireless mode, the timer counts down according to a preset value, electronic payment is allowed to be implemented before counting down is finished, and electronic payment is forbidden to be implemented after counting down is finished.
Further, if the smart wearable device loses timer status due to reloading the system, electronic payment is prohibited from being implemented.
Further, when the wearable device detects wireless connection with the intelligent mobile terminal, identification information is confirmed; if the confirmation passes, the timer is reset to a preset value and electronic payment is allowed to be implemented.
Further, when the wearable device has an emergency, the wearable device and the smart mobile terminal need to be reconnected and the identification information check is completed to perform secure payment, wherein the emergency includes power failure, reset or crash.
Further, the method further comprises:
receiving a signaling to turn off the security mode from the smart mobile terminal, deleting the identification information stored in the external memory and allowing the electronic payment to be implemented.
According to another aspect of the present invention, there is also provided a secure payment apparatus for a wearable device, the apparatus comprising:
the system comprises a signaling receiving module, a security mode starting module and a security mode judging module, wherein the signaling receiving module is used for receiving a signaling for starting the security mode and identification information from the intelligent mobile terminal;
and the judging module is used for determining whether to allow the implementation of the electronic payment according to the wireless connection state between the wearable device and the intelligent mobile terminal and the identification information.
Further, the identification information is stored in an external memory of the wearable device.
Further, the identification information is a user ID or user account information.
Further, when the fact that wireless connection exists between the wearable device and the intelligent mobile terminal is detected, the device obtains identification information from the intelligent mobile terminal through the wireless connection, the judgment module conducts consistency confirmation on the identification information obtained from the intelligent mobile terminal and the identification information stored in the external memory, and electronic payment is allowed to be conducted when the identification information passes the consistency confirmation.
Further, the enabling of the electronic payment is opening a wireless module of the wearable device for payment.
Further, when it is detected that no wireless connection exists between the intelligent mobile terminal and the wearable device, the judgment module prohibits implementation of electronic payment.
Further, the prohibiting the electronic payment is turning off a wireless module of the wearable device for payment.
Further, the wireless module for payment is an NFC wireless communication module.
Furthermore, when the connection between the intelligent wearable device and the intelligent mobile terminal is detected, the device acquires identification information from the intelligent mobile terminal through wireless connection, the judgment module confirms the consistency of the identification information acquired from the intelligent mobile terminal and the identification information stored in the external memory, and electronic payment is forbidden to be implemented when the two identification information are inconsistent.
Further, the apparatus further comprises:
and the timing module is used for receiving a signaling for starting a time trigger mode from the intelligent mobile terminal and determining whether to allow the implementation of electronic payment according to the wireless connection state between the intelligent wearable device and the intelligent mobile terminal, the state of the timer and the identification information.
Further, when the intelligent mobile terminal and the wearable device are disconnected in a wireless mode, the timing module counts down according to a preset value, electronic payment is allowed to be implemented before counting down is finished, and electronic payment is forbidden to be implemented after counting down is finished.
Further, the apparatus prohibits the electronic payment from being implemented if the smart wearable device loses timer status due to reloading the system.
Further, when the wearable device detects wireless connection with the intelligent mobile terminal, identification information is confirmed; if the confirmation passes, the timing module is reset to a preset value and electronic payment is allowed to be implemented.
Further, when the wearable device has an emergency, the wearable device and the intelligent mobile terminal need to be reconnected and the identification information needs to be verified to perform secure payment, wherein the emergency includes power failure, reset or crash.
Further, the apparatus further comprises:
and the deleting module is used for receiving a signaling for closing the security mode from the intelligent mobile terminal, deleting the identification information stored in the external memory and allowing the electronic payment to be implemented.
The invention has the advantages that:
(1) the anti-theft brush is mainly realized based on the Bluetooth module and the NFC module, the user identity is not required to be verified by other sensors, the hardware cost is reduced, the power consumption is reduced, and meanwhile, the fund loss caused by the anti-theft brush can be prevented after the bracelet is lost.
(2) Effectively promoted user's the experience of punching the card, the user can select to open regularly exempt from to connect the function of punching the card, for example: the card is swiped without connection in 3 days and is swiped without connection in 7 days, so that the experience reduction caused by frequent operation of a user is avoided on the premise of reducing the risk.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
fig. 1 shows a schematic structural diagram of a wearable device-based secure payment system according to the present invention;
FIG. 2 illustrates a flow diagram of a wearable device based secure payment method in accordance with the present invention;
FIG. 3 illustrates a flow diagram of another wearable device based secure payment method in accordance with the present invention;
FIG. 4 is a flow chart of yet another wearable device based secure payment method in accordance with the present invention;
fig. 5 is a schematic structural diagram of a wearable device-based secure payment apparatus according to the present invention;
fig. 6 shows a schematic structural diagram of another wearable device-based secure payment apparatus according to the present invention;
fig. 7 shows a schematic structural diagram of another wearable device-based secure payment apparatus according to the present invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The conventional wearable device safety payment method needs a sensor module for acquiring sign data or environmental data of a user, and is high in hardware cost and high in power consumption. And the wearable device needs to be bound and unbound with the mobile phone, so that the operation is frequent and complex.
In order to solve the technical problems of sensor module dependence, high cost, high power consumption, complex operation and the like, the invention provides a safe payment method and a safe payment device of wearable equipment.
Example 1
Referring to fig. 1, the present embodiment provides a secure payment system based on a wearable device, which uses a method of combining software and hardware, and includes a wearable device 1, an intelligent mobile terminal 2 (in the present embodiment, a smart phone is used, and may also be an ipad, etc.) and application software (APP) thereof, where the wearable device 1 includes an MCU intelligent control unit 11, an external storage unit 12, an NFC near-field payment unit 13, and a wireless transmission unit 14 (any wireless communication technology such as bluetooth and WIFI); the wearable device 1 is connected and interacted with application software of the intelligent mobile terminal 2 through a wireless communication technology.
The specific work flow is as follows:
set up "theftproof brush" function in intelligent Mobile terminal's APP, under intelligent Mobile terminal and wearable equipment connected state, when the user opened "theftproof brush" function in the APP for the first time, the cell-phone sent out instruction information to wearable equipment through communication connection, and this function is opened in wearable equipment MCU control. Meanwhile, the APP sends a piece of user unique identification information (which can be any identification information such as an ID (identity) and a user account) to the wearable device, and the wearable device stores the identification information into an external memory; when the wearable device starts the anti-theft brushing function, wireless connection with the intelligent mobile terminal is needed to be carried out each time the wearable device carries out payment, identity verification of identification information in the external memory and identification information of the APP is completed, and if the verification is successful, the NFC unit is kept opened to allow payment; otherwise, the NFC unit is forcibly closed, so that the wearable device cannot pay. Therefore, the anti-theft method is mainly realized based on the Bluetooth module and the NFC module, the identity of the user is not required to be verified by other sensors, the hardware cost is reduced, the power consumption is reduced, and meanwhile, the fund loss caused by the theft of the hand ring after the hand ring is lost can be prevented.
If wearable equipment and intelligent mobile terminal disconnection, wearable equipment can obtain a callback incident signal, learn with intelligent mobile terminal disconnection, at this moment, wearable equipment can force to close the NFC function, makes wearable equipment can't implement the payment.
In addition, under the anti-theft function, the system has another mode, namely, a user can select to start the connection-free payment within a specified time range (for example, 3 days, 7 days and the like) in the APP, and the APP can issue a corresponding instruction to the wearable equipment to indicate the connection-free time; when the wearable device is disconnected from the intelligent mobile terminal, the MCU of the wearable device starts a timer to count down, and the wearable device does not need to be connected with the intelligent mobile terminal when card swiping payment is carried out within the time range of counting down; if the wearable device is connected with the intelligent mobile terminal within the countdown time range, the countdown time is reset immediately; when the wearable device and the intelligent mobile terminal are disconnected again, the wearable device can drive the MCU again to start the timer, and then the countdown is started again; after countdown, wearable equipment must be reconnected with intelligent Mobile terminal when swiping card payment, carries out the identification information check: if the verification identification information passes, the APP authorizes the NFC function to be started to complete payment; otherwise, if the verification identification information is not passed, the APP forcibly closes the NFC payment function. The technical scheme of the countdown mode effectively improves the card swiping experience of the user, and the user can select to start the timing connection-free card swiping function, so that the experience reduction caused by frequent operation of the user is avoided on the premise of reducing risks.
In addition, when the wearable device is in emergency such as power failure, reset, crash, etc., the data stored by the system MCU will be lost. After the system is restarted, a legal timer or a connection-free setting cannot be found in the MCU, and the previous connection-free setting is invalid. When the user uses the payment function again, the identification information needs to be verified with the intelligent mobile terminal APP again; and if the identification information is verified to be correct, authorizing the wearable device to start the NFC function for payment.
In addition, when the user closes the anti-theft function in the APP, the wearable device deletes the unique identification information in the external memory and all the working states of the function. When the user reuses the NFC payment function after the closing is successful, the wearable device can be authorized without performing wireless connection with the APP of the intelligent mobile terminal to complete identity confirmation, so that the NFC payment function is started.
Example 2
As shown in fig. 2, the present invention provides a secure payment method for wearable devices, comprising the following steps:
s1, receiving a signaling for starting the security mode and an identification information from the smart mobile terminal.
In this step, the identification information is stored in an external memory of the wearable device. The identification information is a user ID or user account information generated by the intelligent mobile terminal.
And S2, determining whether to allow the electronic payment to be implemented according to the wireless connection state between the wearable device and the intelligent mobile terminal and the identification information.
In this step, when detecting that there is a wireless connection between the wearable device and the smart mobile terminal, the wearable device obtains the identification information from the smart mobile terminal through the wireless connection, and performs consistency confirmation with the identification information stored in the external memory: when the two identification information are identical, electronic payment is allowed to be carried out, and when the two identification information are not identical, electronic payment is forbidden to be carried out.
And when the wireless connection between the intelligent mobile terminal and the wearable device is detected to be absent, the electronic payment is prohibited from being implemented. The enabling/disabling of the electronic payment is turning on/off a wireless module for payment, which is an NFC wireless communication module. Of course, those skilled in the art will appreciate that the wireless module may be other wireless communication modules capable of being used for payment in the art, and is not limited to the NFC wireless communication module.
Therefore, the technical scheme of the invention is mainly realized based on the Bluetooth module and the NFC module, the identity of the user is not required to be verified by other sensors, the hardware cost is reduced, the power consumption is reduced, and the fund loss caused by the stealing brushing after the bracelet is lost can be prevented.
As shown in fig. 3, according to another preferred embodiment of the present invention, the method for secure payment of a wearable device may further include:
and S3, receiving a signal for starting the time trigger mode from the intelligent mobile terminal, and determining whether to allow the electronic payment to be implemented according to the wireless connection state between the intelligent wearable device and the intelligent mobile terminal, the state of the timer and the identification information.
In this step, when the smart mobile terminal and the wearable device are disconnected from the wireless connection, the timer counts down according to a preset value. Electronic payment is permitted before the countdown is over, and is prohibited after the countdown is over. Therefore, the technical scheme of countdown effectively improves the card swiping experience of the user, and the user can select to start the timing connection-free card swiping function, so that the experience reduction caused by frequent operation of the user is avoided on the premise of reducing the risk.
According to a preferred embodiment of the present invention, if the smart wearable device loses timer status due to reloading the system, the electronic payment is prohibited from being implemented. For example, when the wearable device has an emergency, the wearable device and the smart mobile terminal need to be reconnected and the identification information check is completed to carry out secure payment, wherein the emergency comprises power failure, reset or crash. At this point, the wearable device needs to reload the system and retry establishing a wireless connection with the smart mobile terminal. When the wearable device detects the wireless connection with the intelligent mobile terminal, the identification information is confirmed again: if the confirmation passes, resetting the timer to a preset value and allowing the electronic payment to be implemented; if the confirmation fails, the electronic payment is prohibited from being implemented.
As shown in fig. 4, according to another preferred embodiment of the present invention, the method for secure payment of a wearable device may further include:
s4, receiving a signaling for turning off the security mode from the smart mobile terminal, deleting the identification information stored in the external memory and allowing the electronic payment to be implemented. And the wearable device deletes all the identification information in the external memory and all the working states in the safe mode. When the user reuses the NFC payment function, the wearable device can be authorized without performing wireless connection with the APP of the intelligent mobile terminal to complete identity confirmation, so that the NFC payment function is started.
Example 3
As shown in fig. 5, the present invention provides a secure payment device 20 of a wearable device, which includes the following modules:
a signaling receiving module 21, configured to receive a signaling for starting a security mode and identification information from the smart mobile terminal;
and the judging module 22 is configured to determine whether to allow implementation of electronic payment according to the wireless connection state between the wearable device and the smart mobile terminal and the identification information.
Wherein the identification information is stored within an external memory of the wearable device. The identification information is a user ID or user account information generated by the intelligent mobile terminal.
When detecting that there is a wireless connection between the wearable device and the smart mobile terminal, the apparatus 20 obtains the identification information from the smart mobile terminal through the wireless connection, and the determining module 22 confirms the consistency between the identification information obtained from the smart mobile terminal and the identification information stored in the external memory: when the confirmation is passed, the electronic payment is allowed to be carried out, and when the two identification information are not consistent, the electronic payment is prohibited from being carried out. The enabling of the electronic payment is opening a wireless module of the wearable device for payment.
When it is detected that there is no wireless connection between the smart mobile terminal and the wearable device, the determining module 22 prohibits the electronic payment. The prohibiting the electronic payment is turning off a wireless module of the wearable device for payment. The wireless module is an NFC wireless communication module. Of course, those skilled in the art will appreciate that the wireless module may be other communication modules capable of being used for payment, and is not limited to the NFC wireless communication module.
As shown in fig. 6, according to another preferred embodiment of the present invention, the secure payment apparatus of the wearable device may further include:
the timing module 23 is configured to receive a signaling for starting a time trigger mode from the smart mobile terminal, and determine whether to allow implementation of electronic payment according to a wireless connection state between the smart wearable device and the smart mobile terminal, a timer state, and identification information.
When the intelligent mobile terminal and the wearable device are disconnected from each other, the timing module 23 counts down according to a preset value; electronic payment is permitted before the countdown is over, and is prohibited after the countdown is over.
The apparatus prohibits the electronic payment from being implemented if the smart wearable device loses timer status due to reloading the system. For example, when the wearable device has an emergency, the wearable device and the smart mobile terminal need to be reconnected and the identification information check is completed to perform secure payment; wherein the emergency comprises power-off, reset or crash. At this point, the wearable device needs to reload the system and retry establishing a wireless connection with the smart mobile terminal. When wearable equipment detects the wireless connection with intelligent Mobile terminal, need to carry out identification information and confirm: if the confirmation passes, the timing module 23 is reset to a preset value and electronic payment is allowed to be carried out.
As shown in fig. 7, according to another preferred embodiment of the present invention, the wearable device security payment apparatus 20 may further include:
and a deleting module 24 for receiving a signaling for turning off the security mode from the smart mobile terminal, deleting the identification information stored in the external memory and allowing the electronic payment to be implemented. The deletion module 24 deletes all the identification information in the external memory and all the operating states in the secure mode. When the user reuses the NFC payment function, the wearable device can be authorized without performing wireless connection with the APP of the intelligent mobile terminal to complete identity confirmation, and the NFC payment function is started.
Through the three embodiments, the invention achieves the following technical effects:
(1) the anti-theft brush is mainly realized based on the Bluetooth module and the NFC module, the user identity is not required to be verified by other sensors, the hardware cost is reduced, the power consumption is reduced, and meanwhile, the fund loss caused by the anti-theft brush after the bracelet is lost can be prevented.
(2) Effectively promoted user's the experience of punching the card, the user can select to open regularly exempt from to connect the function of punching the card, for example: the card swiping is free of connection in 3 days, the card swiping is free of connection in 7 days, and experience reduction caused by frequent operation of a user is avoided on the basis of reducing risks.
In an embodiment of the invention, the method in any of the above embodiments may be implemented by an electronic device controlled by a computer program. Correspondingly, an embodiment of the present invention also provides an electronic device, including: a memory and one or more processors; wherein,
the memory is communicatively coupled to the one or more processors and stores instructions executable by the one or more processors to enable the one or more processors to implement the method of any of the embodiments described above.
Also, in one implementation of the present invention, a non-volatile computer storage medium is provided, which stores computer-executable instructions that can perform the method described in any of the above embodiments.
Alternatively still, in an implementation of the present invention, there is also provided a computer program product comprising computer executable instructions that can perform the method described in any of the embodiments above.
Those of skill in the art will further appreciate that the various illustrative logical blocks, units, and steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To clearly illustrate the interchangeability of hardware and software, various illustrative components, elements, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present embodiments.
The various illustrative logical blocks, or elements, described in connection with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general-purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. For example, a storage medium may be coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may be located in a user terminal. In the alternative, the processor and the storage medium may reside in different components in a user terminal.
In one or more exemplary designs, the functions described above in connection with the embodiments of the invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media that facilitate transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media can include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store program code in the form of instructions or data structures and which can be read by a general-purpose or special-purpose computer, or a general-purpose or special-purpose processor. Additionally, any connection is properly termed a computer-readable medium, and, thus, is included if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), or wirelessly, e.g., infrared, radio, and microwave. Such discs (disk) and disks (disc) include compact disks, laser disks, optical disks, DVDs, floppy disks and blu-ray disks where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included in the computer-readable medium.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (18)
1. A secure payment method of a wearable device, the method comprising:
the wearable device receives a signaling for starting a safety mode, a signaling for starting a time trigger mode and identification information from the intelligent mobile terminal;
the wearable device determines whether to allow the wearable device to implement electronic payment according to the wireless connection state between the wearable device and the intelligent mobile terminal, the timer state and the identification information;
when the intelligent mobile terminal and the wearable device are disconnected in a wireless mode, a timer of the wearable device counts down according to a preset value, the wearable device is allowed to carry out electronic payment before the counting down is finished, and the wearable device is forbidden to carry out electronic payment after the counting down is finished;
the allowing the wearable device to conduct the electronic payment is opening the wearable device for payment of an NFC wireless communication module; the disabling of the wearable device from conducting electronic payments is turning off the wearable device for a NFC wireless communication module of a payment.
2. The method according to claim 1, characterized in that it comprises:
storing the identification information within an external memory of the wearable device.
3. The method of claim 2, wherein:
the identification information is a user ID or user account information.
4. The method of claim 2 or 3, wherein the determining whether to allow the wearable device to implement the electronic payment according to the wireless connection state between the wearable device and the smart mobile terminal and the identification information comprises:
when the fact that wireless connection exists between the wearable device and the intelligent mobile terminal is detected, the wearable device obtains identification information through the wireless connection, consistency confirmation is conducted on the identification information and the identification information stored in the external memory, and when the confirmation is passed, the wearable device is allowed to implement electronic payment.
5. The method of claim 2 or 3, wherein the determining whether to allow the wearable device to implement the electronic payment according to the wireless connection state between the wearable device and the smart mobile terminal and the identification information comprises:
when the fact that no wireless connection exists between the intelligent mobile terminal and the wearable device is detected, the wearable device is forbidden to implement electronic payment;
or when detecting that the intelligent wearable device is connected with the intelligent mobile terminal, the wearable device acquires the identification information through wireless connection, confirms the consistency of the identification information and the identification information stored in the external memory, and forbids the wearable device to implement electronic payment when the two identification information are inconsistent.
6. The method of claim 1, wherein:
disabling an electronic payment from a smart wearable device if the wearable device loses timer status due to reloading the system.
7. The method of claim 1, wherein:
when the wearable device detects wireless connection with the intelligent mobile terminal, the wearable device confirms identification information; if the confirmation passes, the timer is reset to a preset value and the wearable device is allowed to carry out electronic payment.
8. The method of claim 1, wherein:
when the wearable device has an emergency, the wearable device and the intelligent mobile terminal need to be reconnected and identification information verification is completed to carry out safe payment, wherein the emergency comprises power failure, reset or crash.
9. The method of claim 2 or 3, further comprising:
the wearable device receives a signaling from the smart mobile terminal to turn off the security mode, deletes the identification information stored in the external memory and allows the wearable device to conduct the electronic payment.
10. A secure payment apparatus of a wearable device, the apparatus being used for the wearable device, comprising:
the system comprises a signaling receiving module, a safety mode starting module and a time triggering module, wherein the signaling receiving module is used for receiving a signaling for starting the safety mode, a signaling for starting the time triggering mode and identification information from the intelligent mobile terminal;
the judging module is used for determining whether the wearable device is allowed to implement electronic payment according to the wireless connection state between the wearable device and the intelligent mobile terminal, the timer state and the identification information;
the judging module comprises a timing module, when the intelligent mobile terminal is disconnected with the wearable device in a wireless mode, the timing module counts down according to a preset value, the wearable device is allowed to carry out electronic payment before counting down is finished, and the wearable device is forbidden to carry out electronic payment after counting down is finished;
the allowing the wearable device to conduct the electronic payment is opening the wearable device for payment of an NFC wireless communication module; the disabling of the wearable device from conducting electronic payments is turning off the wearable device for a NFC wireless communication module of a payment.
11. The apparatus of claim 10, wherein:
the identification information is stored within an external memory of the wearable device.
12. The apparatus of claim 11, wherein:
the identification information is a user ID or user account information.
13. The apparatus according to claim 11 or 12, wherein:
when the wearable device is detected to be in wireless connection with the intelligent mobile terminal, the device acquires identification information from the intelligent mobile terminal through wireless connection, the judgment module confirms the consistency of the identification information acquired from the intelligent mobile terminal and the identification information stored in the external memory, and when the identification information passes the consistency confirmation, the wearable device is allowed to implement electronic payment.
14. The apparatus according to claim 11 or 12, wherein:
when the fact that wireless connection does not exist between the intelligent mobile terminal and the wearable device is detected, the judging module prohibits the wearable device from implementing electronic payment;
or when the connection between the intelligent wearable device and the intelligent mobile terminal is detected, the device acquires identification information from the intelligent mobile terminal through wireless connection, the judgment module confirms the consistency of the identification information acquired from the intelligent mobile terminal and the identification information stored in the external memory, and when the two identification information are inconsistent, the wearable device is forbidden to implement electronic payment.
15. The apparatus of claim 10, wherein:
the apparatus prohibits the wearable device from conducting an electronic payment if the smart wearable device loses timer status due to reloading the system.
16. The apparatus of claim 10, wherein:
when the wearable device detects wireless connection with the intelligent mobile terminal, identification information is confirmed; if the confirmation passes, resetting the timing module to a preset value and allowing the wearable device to implement electronic payment.
17. The apparatus of claim 10, wherein:
when the wearable device has an emergency, the wearable device and the intelligent mobile terminal need to be reconnected and the identification information needs to be verified to carry out safe payment, wherein the emergency comprises power failure, reset or crash.
18. The apparatus according to claim 11 or 12, wherein:
the apparatus further comprises:
and the deleting module is used for receiving a signaling for closing the safety mode from the intelligent mobile terminal, deleting the identification information stored in the external memory and allowing the wearable device to implement electronic payment.
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| CN109118207A (en) * | 2018-08-15 | 2019-01-01 | 广东小天才科技有限公司 | Method and device for payment through wearable equipment and wearable equipment |
| CN109308613B (en) * | 2018-09-11 | 2021-10-29 | 创新先进技术有限公司 | Payment request processing method and device |
| CN110992016B (en) * | 2019-10-30 | 2020-12-01 | 口碑(上海)信息技术有限公司 | Information processing method, information processing apparatus, electronic device, and computer storage medium |
| 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 |
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| CN103914645A (en) * | 2014-04-03 | 2014-07-09 | 百度在线网络技术（北京）有限公司 | Identity authentication method and wearing device |
| CN105550863A (en) * | 2015-07-31 | 2016-05-04 | 宇龙计算机通信科技(深圳)有限公司 | Mobile payment method and wearable equipment |
| CN105719138A (en) * | 2016-01-19 | 2016-06-29 | 宇龙计算机通信科技(深圳)有限公司 | Payment processing method, payment processing device, payment processing terminal, and payment processing system |
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