CN108256853A - A kind of method of payment and mobile terminal - Google Patents
A kind of method of payment and mobile terminal Download PDFInfo
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- CN108256853A CN108256853A CN201810028043.9A CN201810028043A CN108256853A CN 108256853 A CN108256853 A CN 108256853A CN 201810028043 A CN201810028043 A CN 201810028043A CN 108256853 A CN108256853 A CN 108256853A
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- laissezpasser
- beneficiary
- payment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- 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
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The present invention provides a kind of method of payment and mobile terminals, belong to mobile payment technical field.Wherein, mobile terminal can be when detecting that delivery operation is triggered, target beneficiary is determined according to triggering mode, then payment amount input by user is obtained, then according to the current location of user, current time and payment amount, judge whether this delivery operation meets default laissezpasser condition, finally when delivery operation meets default laissezpasser condition, directly paid to target beneficiary, in this way, the process of authentication is omitted, and then simplify payment process while safety is ensured, improves payment efficiency.
Description
Technical field
The invention belongs to mobile payment technical field, more particularly to a kind of method of payment and mobile terminal.
Background technology
With e-commerce and the development of computer technology, mobile payment with its it is convenient and efficient the advantages that obtained it is considerable
Develop and be widely applied.
In the prior art, user is when being paid, it usually needs and the Quick Response Code of beneficiary is scanned, initiates payment request,
Then payment amount is inputted, payment cipher is then inputted and carries out authentication, in authentication by rear, execution delivery operation.
Method of payment of the prior art, operating process is complicated, and convenience is relatively low.
Invention content
The present invention provides a kind of method of payment and mobile terminal, to solve since payment process operation is multiple in the prior art
It is miscellaneous, the problem of convenience is relatively low.
In order to solve the above-mentioned technical problem, the invention is realized in this way：
In a first aspect, an embodiment of the present invention provides a kind of method of payment, applied to mobile terminal, the method includes：
When detecting that delivery operation is triggered, target beneficiary is determined according to triggering mode；
Obtain payment amount input by user；
According to the current location of user, current time and the payment amount, judge whether the delivery operation meets
The default laissezpasser terms of payment；
If the delivery operation meets the default laissezpasser terms of payment, directly paid to the target beneficiary.
Second aspect, an embodiment of the present invention provides a kind of mobile terminal, the mobile terminal includes：
Determining module, for when detecting that delivery operation is triggered, target beneficiary to be determined according to triggering mode；
First acquisition module, for obtaining payment amount input by user；
Judgment module for current location, current time and the payment amount according to user, judges the payment
Whether operation meets the default laissezpasser terms of payment；
Payment module if meeting the default laissezpasser terms of payment for the delivery operation, is directly received to the target
Money side is paid.
The third aspect, an embodiment of the present invention provides a kind of mobile terminals, including processor, memory and are stored in described
It is real when the computer program is performed by the processor on memory and the computer program that can run on the processor
Now the step of method of payment as described in relation to the first aspect.
Fourth aspect, an embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Computer program is stored on medium, method of payment as described in relation to the first aspect is realized when the computer program is executed by processor
The step of.
In embodiments of the present invention, mobile terminal can be true according to triggering mode when detecting that delivery operation is triggered
Set the goal beneficiary, then obtains payment amount input by user, then according to the current location of user, current time and branch
The amount of money is paid, judges whether this delivery operation meets default laissezpasser condition, finally meets default laissezpasser item in delivery operation
During part, directly paid to target beneficiary, in this way, in the process for ensureing to be omitted authentication while safety, into
And payment process is simplified, improve payment efficiency.
Description of the drawings
Fig. 1 is a kind of step flow chart of method of payment provided in an embodiment of the present invention；
Fig. 2-1 is the step flow chart of another method of payment provided in an embodiment of the present invention；
Fig. 2-2 is a kind of user interface schematic diagram provided in an embodiment of the present invention；
Fig. 3 is a kind of block diagram of mobile terminal provided in an embodiment of the present invention；
Fig. 4 is the block diagram of another mobile terminal provided in an embodiment of the present invention；
A kind of hardware architecture diagram of Fig. 5 mobile terminals of each embodiment to realize the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is part of the embodiment of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, the every other implementation that those of ordinary skill in the art are obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Fig. 1 is a kind of step flow chart of method of payment provided in an embodiment of the present invention, as shown in Figure 1, this method can be with
Applied to mobile terminal, this method can include：
Step 101, when detecting that delivery operation is triggered, target beneficiary is determined according to triggering mode.
In the embodiment of the present invention, which may rely on client or plug-in unit to realize, the client or plug-in unit
It may operate in mobile terminal, so as to implement the method for payment that the embodiment of the present invention is provided.Wherein, which can wrap
An application program is included, that is, is exactly payment application, plug-in unit may be mounted in any application program in the mobile terminal.One
As, it can be that client or plug-in unit establish process or thread in mobile terminal, each of the client or plug-in unit is realized so as to perform
Therefore partial function, in the embodiment of the present invention, can be realized and be determined to carry out the process identification (PID) of delivery operation or thread mark
Know, when monitoring that foundation can carry out the process or thread of delivery operation, determine that delivery operation is triggered, it is certainly, practical to answer
In, mobile terminal can also detect whether delivery operation is triggered by other means.
Further, the mode that user triggers delivery operation can be various, and exemplary, user can be pre- by starting
If payment application trigger delivery operation, user can also be carried by the two-dimensional code scanning function of other application, scanning
The Quick Response Code of payment information, and then delivery operation is triggered, mobile terminal can determine that target is collected money according to different triggering modes
Side.
Step 102 obtains payment amount input by user.
In practical application scenarios, user can input the amount of money for needing to pay in payment, and mobile terminal can obtain use
The amount of money of family input.It is exemplary, it is assumed that the amount of money input by user is 5 yuan, then mobile terminal can get input by user
Payment amount is 5 yuan.
Step 103, according to the current location of user, current time and the payment amount, judge the delivery operation
Whether satisfaction presets the laissezpasser terms of payment.
Since in practical payment scene, user is often consumed in same when and where in some businessman, and
And the amount of money of consumption usually can be all maintained in the range of certain amount of money, for example, user " Zhang San " daily can be 8：30 are in
Buy breakfast in breakfast shop of door.Therefore, in the embodiment of the present invention, mobile terminal can be in the current location of user preset
In point range, current time in preset time range, payment amount is in the range of the preset amount of money and target beneficiary
When meeting history payment custom, it is believed that the delivery operation is safe, and then determines that the delivery operation meets default laissezpasser branch
The condition of paying.
If step 104, the delivery operation meet the default laissezpasser terms of payment, directly to the target beneficiary into
Row payment.
In the embodiment of the present invention, mobile terminal can omit identity and test when delivery operation meets default laissezpasser condition
The step of card, is directly paid to target beneficiary, in this way, simplifying the mistake of delivery operation while guaranteeing payment safe
Journey, and then improve payment efficiency.
In conclusion method of payment provided in an embodiment of the present invention, mobile terminal can detect that delivery operation is touched
During hair, target beneficiary is determined according to triggering mode, payment amount input by user is then obtained, then according to the current of user
Position, current time and payment amount, judge whether this delivery operation meets default laissezpasser condition, are finally grasped in payment
When making to meet default laissezpasser condition, directly paid to target beneficiary, in this way, being omitted while safety is ensured
The process of authentication, and then payment process is simplified, improve payment efficiency.
Fig. 2-1 is the step flow chart of another method of payment provided in an embodiment of the present invention, as shown in Fig. 2-1, the party
Method can include：
Step 201, when detecting that delivery operation is triggered, target beneficiary is determined according to triggering mode.
In this step, if the delivery operation is triggered by scanning input payment Quick Response Code, by the payment two dimension
The corresponding beneficiary of code, is determined as target beneficiary.
It is exemplary, it is assumed that user uses the payment Quick Response Code of the two-dimensional code scanning functionality scan in certain communication applications, then
Mobile terminal can identify the payment Quick Response Code that user is scanned, and obtain the payment information in the payment Quick Response Code, then should
The corresponding beneficiary of payment information is determined as target beneficiary.
Further, if the delivery operation is to start preset payment applications trigger by user, when obtaining current
Between and current location；It is searched in preset time, place and beneficiary correspondence and the current time and described current
The corresponding beneficiary in position, obtains target beneficiary.
Specifically, this it is preset payment application can be it is preassembled on mobile terminal, the preset time, place and
Beneficiary correspondence can be that mobile terminal is pre-set, mobile terminal can according to user each businessman common branch
Time and the position of the businessman are paid, establishes the preset time, place and beneficiary correspondence.It is exemplary, it is assumed that
User starts some payment application on mobile terminal, then and mobile terminal can obtain current time and current location,
In, which can be the longitude and latitude of mobile terminal present position, then in preset time, place and the gathering
Beneficiary corresponding with current time and the current location is searched in square correspondence, in this way, user need not pass through Quick Response Code
The modes such as scanning obtain beneficiary information, and mobile terminal can determine that target beneficiary according to current time and current location,
The step of simplifying delivery operation improves payment efficiency.
It should be noted that in practical application, mobile terminal can also be established preset according only to the position of businessman
Beneficiary and position correspondence, in this way, when user open payment in application, mobile terminal can according to preset beneficiary and
Position correspondence searches the corresponding beneficiary in current location, and then obtains target beneficiary.
Step 202 obtains payment amount input by user.
Specifically, this step can include：
Sub-step (1)：According to the history payment record of user, determine that the target beneficiary is corresponding at least one common
The amount of money.
Can include in this step, in the history payment record history beneficiary that once paid of user and user to
The history amount of money that history beneficiary was paid, for each history beneficiary, mobile terminal can be by the history beneficiary pair
The payment frequency answered is more than the history amount of money of predetermined threshold value, is determined as the corresponding common amount of money of the history beneficiary.It is exemplary, it is false
If the predetermined threshold value is 10, user paid 5 yuan, 7 yuan and 10 yuan to beneficiary AA, wherein, 5 yuan of corresponding frequencys are 30
Secondary, 7 yuan of corresponding frequencys are 60 times, and 10 yuan of corresponding frequencys are 3 times, then 5 yuan and 7 yuan can be determined as receiving by mobile terminal
The corresponding common amount of money of money side AA.
Sub-step (2)：Show at least one common amount of money.
In this step, mobile terminal can show the corresponding common amount of money of the target beneficiary, in order to which user can be straight
Payment amount is selected in selecting, and in practical application, mobile terminal can also show the amount of money while at least one common amount of money is shown
Input area, in order to do not have in the common amount of money of display user need pay the amount of money when, user can be inputted by the amount of money
Area's input needs the amount of money paid.Exemplary, Fig. 2-2 is a kind of user interface schematic diagram provided in an embodiment of the present invention, is such as schemed
Shown in 2-2, the common amount of money 01 can be included in the user interface, wherein the common amount of money specifically includes " 5 yuan " and " 7 yuan ", the amount of money
Input area 02 and confirming button 03.
Sub-step (3)：It, will be selected by user when detecting that user is directed to the selection operation of at least one common amount of money
The common amount of money selected is determined as payment amount input by user.
Exemplary, user can be selected by the common amount of money of click, exemplary, it is assumed that user clicks the common amount of money
" 5 yuan ", then, mobile terminal can determine that payment amount input by user is 5 yuan.In the embodiment of the present invention, user passes through choosing
The input that payment amount can be completed is selected, the process for being manually entered the amount of money is omitted, and then simplify operating process.
Certainly, user can also input payment amount by way of being manually entered, if user is inputted by the amount of money
Area's input needs the amount of money paid, then mobile terminal can obtain the amount of money that user inputs in amount of money input area, will get
The amount of money be determined as payment amount, it is assumed that the amount of money that user inputs in amount of money input area be 6 yuan, then mobile terminal can determine
Payment amount is 6 yuan.
Step 203 is judged in preset laissezpasser beneficiary with the presence or absence of the gathering to match with the target beneficiary
Side.
In this step, which can be that user pre-sets according to individual's payment custom, example
, the higher beneficiary of payment frequency can be set as laissezpasser beneficiary by user, and be each according to individual's payment custom
The setting of laissezpasser beneficiary is without the time range of verification and ground point range.
Specifically, mobile terminal can compare each preset laissezpasser beneficiary and target beneficiary one by one in this step
It is right, and then the default laissezpasser beneficiary identical with target beneficiary is determined whether there is, if it does not exist, then it is considered that should
Target beneficiary is unsatisfactory for the default laissezpasser terms of payment, at this point, mobile terminal can show authentication interface, completes body
Delivery operation is performed again after part verification.
If there is the beneficiary to match with the target beneficiary in step 204, the preset laissezpasser beneficiary,
Then according to preset laissezpasser beneficiary and laissezpasser time range, laissezpasser point range and laissezpasser amount of money range correspond to
Relationship, with determining the corresponding laissezpasser time range of the target beneficiary, laissezpasser point range and laissezpasser amount of money range.
It is exemplary, it is assumed that target beneficiary is beneficiary AA, and there are beneficiary AA in preset laissezpasser beneficiary, then
Mobile terminal can be in the correspondence by searching for the corresponding laissezpasser time ranges of determining beneficiary AA, laissezpasser place
Range and laissezpasser amount of money range.
Further, mobile terminal can establish preset exempt from by performing following step before step 201 to realize
With verifying beneficiary and laissezpasser time range, laissezpasser point range and laissezpasser amount of money range correspondence：
Step A, the laissezpasser setting instruction that user sends is received.
In this step, laissezpasser setting instruction can be user by trigger the laissezpasser setting function of mobile terminal to
What mobile terminal was sent, exemplary, laissezpasser setting function can be triggered by button, for example, mobile terminal can notify
A laissezpasser setting button is shown on column, it, can be by triggering the laissezpasser when user wants to set up laissezpasser beneficiary
Button is set to send laissezpasser setting instruction to mobile terminal.
Step B, instruction is set to obtain at least one laissezpasser beneficiary according to the laissezpasser.
In this step, which can be that user specifies, mobile terminal receive laissezpasser setting refer to
After order, a beneficiary data input interface can be shown, user can be inputted by the beneficiary data input interface and be received
Money side's information, mobile terminal can obtain beneficiary input by user, obtain laissezpasser beneficiary.
Step C, user's with being directed to the laissezpasser time range of each laissezpasser beneficiary setting, laissezpasser point range is obtained
And laissezpasser amount of money range.
In this step, user can also set laissezpasser by beneficiary data input interface for each laissezpasser beneficiary
Time range, laissezpasser ground point range and laissezpasser amount of money range, when mobile terminal can obtain the laissezpasser of user setting
Between range, laissezpasser ground point range and laissezpasser amount of money range.
Step D, with establishing laissezpasser beneficiary and laissezpasser time range, laissezpasser point range and laissezpasser amount of money model
Enclose correspondence.
It is exemplary, it is assumed that user setting laissezpasser beneficiary includes：Beneficiary AA, beneficiary BB and beneficiary CC, to receive
The laissezpasser time ranges of money side AA settings, laissezpasser point range and laissezpasser amount of money range be respectively：8：00~8：20、
XX, 4 yuan~6 yuan；Laissezpasser time range, laissezpasser for beneficiary BB settings ground point range and laissezpasser amount of money range point
It is not：12：00~12：30th, YY, 10 yuan~15 yuan；Laissezpasser time range, laissezpasser ground point range for beneficiary CC settings
And laissezpasser amount of money range is respectively：19：00~19：30th, ZZ, 6 yuan~10 yuan, then can establish as shown in table 1 below
Correspondence：
Table 1
If step 205, the current time in the corresponding laissezpasser time range of the target beneficiary, it is described current
Position is in the range of the corresponding laissezpasser place of the target beneficiary and the payment amount is corresponded in the target beneficiary
The laissezpasser amount of money in the range of, it is determined that the delivery operation meets default laissezpasser condition.
It is exemplary, it is assumed that current time 8：03, current location x, payment amount are 5 yuan, wherein, position x belongs to position
It puts in range XX, further, due to 8：03 in the laissezpasser time range 8: 00~8: 20, x in laissezpasser point range XX
It is interior and 5 yuan in 4 yuan~6 yuan of laissezpasser amount of money range, then mobile terminal can determine that this delivery operation meets default exemption from examination
Card condition.
If step 206, the delivery operation meet the default laissezpasser terms of payment, directly to the target beneficiary into
Row payment.
In this step, mobile terminal can pass through the preposition of the mobile terminal when being paid to target beneficiary
Camera acquires preview image；Judge whether the face in the preview image matches with preset face information；It is if described
Face in preview image matches with preset face information, then is paid to the target beneficiary.Wherein, this is default
Face information can be my pre-set face information of user, in the embodiment of the present invention, mobile terminal is in face phase
During matching, that is, be exactly this delivery operation be by user by human hair when, can just perform delivery operation, meanwhile, face is matched
It is operated during realization without user, in this way, improving the safety of payment in the case where not influencing user experience.
In conclusion another kind method of payment provided in an embodiment of the present invention, mobile terminal can be determined according to triggering mode
Then target beneficiary obtains payment amount input by user, then according to the current location of user, current time and payment
The amount of money, judges whether this delivery operation meets default laissezpasser condition, finally meets default laissezpasser condition in delivery operation
When, directly paid to target beneficiary, in this way, in the process for ensureing to be omitted authentication while safety, and then
Payment process is simplified, improves payment efficiency, while user need not obtain beneficiary information by modes such as two-dimensional code scannings,
Mobile terminal can determine target beneficiary according to current time and current location, further simplify the step of delivery operation
Suddenly, payment efficiency is improved.
Fig. 3 is a kind of block diagram of mobile terminal provided in an embodiment of the present invention, as shown in figure 3, the mobile terminal 30 can be with
Including：
Determining module 301, for when detecting that delivery operation is triggered, target beneficiary to be determined according to triggering mode.
First acquisition module 302, for obtaining payment amount input by user.
Judgment module 303, for current location, current time and the payment amount according to user, described in judgement
Whether delivery operation meets the default laissezpasser terms of payment.
Payment module 304, if meeting the default laissezpasser terms of payment for the delivery operation, directly to the target
Beneficiary is paid.
Mobile terminal provided in an embodiment of the present invention can realize that mobile terminal is realized each in the embodiment of the method for Fig. 1
Process is repeated to avoid, and which is not described herein again.In the embodiment of the present invention, mobile terminal can detect that delivery operation is touched
During hair, target beneficiary is determined according to triggering mode, payment amount input by user is then obtained, then according to the current of user
Position, current time and payment amount, judge whether this delivery operation meets default laissezpasser condition, are finally grasped in payment
When making to meet default laissezpasser condition, directly paid to target beneficiary, in this way, being omitted while safety is ensured
The process of authentication, and then payment process is simplified, improve payment efficiency.
Fig. 4 is the block diagram of another mobile terminal provided in an embodiment of the present invention, as shown in figure 4, the mobile terminal 40 can
To include：
Determining module 401, for when detecting that delivery operation is triggered, target beneficiary to be determined according to triggering mode.
First acquisition module 402, for obtaining payment amount input by user.
Judgment module 403, for current location, current time and the payment amount according to user, described in judgement
Whether delivery operation meets the default laissezpasser terms of payment.
Payment module 404, if meeting the default laissezpasser terms of payment for the delivery operation, directly to the target
Beneficiary is paid.
Optionally, above-mentioned determining module 401, is used for：
If the delivery operation is triggered by scanning input payment Quick Response Code, by the corresponding receipts of the payment Quick Response Code
Money side is determined as target beneficiary；
Or,
If the delivery operation is to start preset payment applications trigger by user, current time and present bit are obtained
It puts；It is searched in preset time, place and beneficiary correspondence corresponding with the current time and the current location
Beneficiary obtains target beneficiary.
Optionally, above-mentioned judgment module 403, including：
Judging submodule 4031, for judging to whether there is and the target beneficiary phase in preset laissezpasser beneficiary
Matched beneficiary；
First determination sub-module 4032, if for existing and the target beneficiary in the preset laissezpasser beneficiary
The beneficiary to match then according to preset laissezpasser beneficiary and laissezpasser time range, laissezpasser point range and is exempted from
Verify amount of money range correspondence, with determining the corresponding laissezpasser time range of the target beneficiary, laissezpasser point range with
And laissezpasser amount of money range；
Second determination sub-module 4033, if for the current time in the target beneficiary corresponding laissezpasser time
In the range of, the current location is in the range of the corresponding laissezpasser place of the target beneficiary and the payment amount is described
In the range of the corresponding laissezpasser amount of money of target beneficiary, it is determined that the delivery operation meets default laissezpasser condition.
Optionally, above-mentioned first acquisition module 402, is used for：
According to the history payment record of user, the corresponding at least one common amount of money of the target beneficiary is determined；
Show at least one common amount of money；
When detecting that user is directed to the selection operation of at least one common amount of money, by the selected common gold of user
Volume is determined as payment amount input by user.
Optionally, above-mentioned mobile terminal 40 further includes：
Receiving module, the laissezpasser for receiving user's transmission set instruction；
Second acquisition module, for instruction being set to obtain at least one laissezpasser beneficiary according to the laissezpasser；
Third acquisition module is directed to the laissezpasser time range of each laissezpasser beneficiary setting for obtaining user, exempts from
Verification ground point range and laissezpasser amount of money range；
Module is established, for establishing laissezpasser beneficiary and laissezpasser time range, laissezpasser point range and exemption from examination
Demonstrate,prove amount of money range correspondence.
Mobile terminal provided in an embodiment of the present invention can realize that mobile terminal is realized each in the embodiment of the method for Fig. 2-1
A process is repeated to avoid, and which is not described herein again.In the embodiment of the present invention, mobile terminal can determine target according to triggering mode
Then beneficiary obtains payment amount input by user, then according to the current location of user, current time and payment gold
Volume, judges whether this delivery operation meets default laissezpasser condition, finally when delivery operation meets default laissezpasser condition,
Directly paid to target beneficiary, in this way, in the process for ensureing to be omitted authentication while safety, and then simplify
Payment process improves payment efficiency, while user is without obtain beneficiary information by modes such as two-dimensional code scannings, mobile
The step of terminal can determine target beneficiary, further simplify delivery operation according to current time and current location,
Improve payment efficiency.
A kind of hardware architecture diagram of Fig. 5 mobile terminals of each embodiment to realize the present invention,
The mobile terminal 500 includes but not limited to：It is radio frequency unit 501, network module 502, audio output unit 503, defeated
Enter unit 504, sensor 505, display unit 506, user input unit 507, interface unit 508, memory 509, processor
The components such as 510 and power supply 511.It will be understood by those skilled in the art that the mobile terminal structure shown in Fig. 5 is not formed
Restriction to mobile terminal, mobile terminal can include than illustrate more or fewer components either combine certain components or
Different component arrangements.In embodiments of the present invention, mobile terminal include but not limited to mobile phone, tablet computer, laptop,
Palm PC, car-mounted terminal, wearable device and pedometer etc..
Wherein, processor 510, for when detecting that delivery operation is triggered, determining that target is collected money according to triggering mode
Side；
Processor 510, for obtaining payment amount input by user；
Processor 510 for current location, current time and the payment amount according to user, judges the branch
Pay whether operation meets the default laissezpasser terms of payment；
Processor 510 if meeting the default laissezpasser terms of payment for the delivery operation, is directly received to the target
Money side is paid.
In the embodiment of the present invention, mobile terminal can be determined when detecting that delivery operation is triggered according to triggering mode
Then target beneficiary obtains payment amount input by user, then according to the current location of user, current time and payment
The amount of money, judges whether this delivery operation meets default laissezpasser condition, finally meets default laissezpasser condition in delivery operation
When, directly paid to target beneficiary, in this way, in the process for ensureing to be omitted authentication while safety, and then
Payment process is simplified, improves payment efficiency.
It should be understood that the embodiment of the present invention in, radio frequency unit 501 can be used for receive and send messages or communication process in, signal
Send and receive, specifically, by from base station downlink data receive after, handled to processor 510；In addition, by uplink
Data are sent to base station.In general, radio frequency unit 501 includes but not limited to antenna, at least one amplifier, transceiver, coupling
Device, low-noise amplifier, duplexer etc..In addition, radio frequency unit 501 can also by radio communication system and network and other set
Standby communication.
Mobile terminal has provided wireless broadband internet to the user by network module 502 and has accessed, and such as user is helped to receive
It sends e-mails, browse webpage and access streaming video etc..
It is that audio output unit 503 can receive radio frequency unit 501 or network module 502 or in memory 509
The audio data of storage is converted into audio signal and exports as sound.Moreover, audio output unit 503 can also be provided and be moved
The relevant audio output of specific function that dynamic terminal 500 performs is (for example, call signal receives sound, message sink sound etc.
Deng).Audio output unit 503 includes loud speaker, buzzer and receiver etc..
Input unit 504 is used to receive audio or video signal.Input unit 504 can include graphics processor
(Graphics Processing Unit, GPU) 5041 and microphone 5042, graphics processor 5041 is in video acquisition mode
Or the static images or the image data of video obtained in image capture mode by image capture apparatus (such as camera) carry out
Reason.Treated, and picture frame may be displayed on display unit 106.Through graphics processor 5041, treated that picture frame can be deposited
Storage is sent in memory 509 (or other storage mediums) or via radio frequency unit 501 or network module 502.Mike
Wind 5042 can receive sound, and can be audio data by such acoustic processing.Treated audio data can be
The form output of mobile communication base station can be sent to via radio frequency unit 501 by being converted in the case of telephone calling model.
Mobile terminal 500 further includes at least one sensor 505, such as optical sensor, motion sensor and other biographies
Sensor.Specifically, optical sensor includes ambient light sensor and proximity sensor, wherein, ambient light sensor can be according to environment
The light and shade of light adjusts the brightness of display panel 5061, and proximity sensor can close when mobile terminal 500 is moved in one's ear
Display panel 5061 and/or backlight.As one kind of motion sensor, accelerometer sensor can detect in all directions (general
For three axis) size of acceleration, size and the direction of gravity are can detect that when static, can be used to identify mobile terminal posture (ratio
Such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap)；It passes
Sensor 505 can also include fingerprint sensor, pressure sensor, iris sensor, molecule sensor, gyroscope, barometer, wet
Meter, thermometer, infrared ray sensor etc. are spent, details are not described herein.
Display unit 506 is used to show by information input by user or be supplied to the information of user.Display unit 106 can wrap
Display panel 5061 is included, liquid crystal display (Liquid Crystal Display, LCD), Organic Light Emitting Diode may be used
Display panel 5061 is configured in forms such as (Organic Light-Emitting Diode, OLED).
User input unit 507 can be used for receiving the number inputted or character information and generation and the use of mobile terminal
The key signals input that family is set and function control is related.Specifically, user input unit 507 include touch panel 5071 and
Other input equipments 5072.Touch panel 5071, also referred to as touch screen collect user on it or neighbouring touch operation
(for example user uses any suitable objects such as finger, stylus or attachment on touch panel 5071 or in touch panel 5071
Neighbouring operation).Touch panel 5071 may include both touch detecting apparatus and touch controller.Wherein, touch detection
Device detects the touch orientation of user, and detects the signal that touch operation is brought, and transmits a signal to touch controller；Touch control
Device processed receives touch information from touch detecting apparatus, and is converted into contact coordinate, then gives processor 510, receiving area
It manages the order that device 510 is sent and is performed.It is furthermore, it is possible to more using resistance-type, condenser type, infrared ray and surface acoustic wave etc.
Type realizes touch panel 5071.In addition to touch panel 5071, user input unit 507 can also include other input equipments
5072.Specifically, other input equipments 5072 can include but is not limited to physical keyboard, function key (such as volume control button,
Switch key etc.), trace ball, mouse, operating lever, details are not described herein.
Further, touch panel 5071 can be covered on display panel 5061, when touch panel 5071 is detected at it
On or near touch operation after, send to processor 510 with determine touch event type, be followed by subsequent processing device 510 according to touch
The type for touching event provides corresponding visual output on display panel 5061.Although in Figure 5, touch panel 5071 and display
Panel 5061 is the component independent as two to realize the function that outputs and inputs of mobile terminal, but in some embodiments
In, can be integrated by touch panel 5071 and display panel 5061 and realize the function that outputs and inputs of mobile terminal, it is specific this
Place does not limit.
Interface unit 508 is the interface that external device (ED) is connect with mobile terminal 500.For example, external device (ED) can include
Line or wireless head-band earphone port, external power supply (or battery charger) port, wired or wireless data port, storage card end
Mouth, port, audio input/output (I/O) port, video i/o port, earphone end for connecting the device with identification module
Mouthful etc..Interface unit 508 can be used for receiving the input (for example, data information, electric power etc.) from external device (ED) and
One or more elements that the input received is transferred in mobile terminal 500 can be used in 500 He of mobile terminal
Data are transmitted between external device (ED).
Memory 509 can be used for storage software program and various data.Memory 509 can mainly include storing program area
And storage data field, wherein, storing program area can storage program area, application program (such as the sound needed at least one function
Sound playing function, image player function etc.) etc.；Storage data field can store according to mobile phone use created data (such as
Audio data, phone directory etc.) etc..In addition, memory 509 can include high-speed random access memory, can also include non-easy
The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Processor 510 is the control centre of mobile terminal, utilizes each of various interfaces and the entire mobile terminal of connection
A part is stored in storage by running or performing the software program being stored in memory 509 and/or module and call
Data in device 509 perform the various functions of mobile terminal and processing data, so as to carry out integral monitoring to mobile terminal.Place
Reason device 510 may include one or more processing units；Preferably, processor 510 can integrate application processor and modulatedemodulate is mediated
Device is managed, wherein, the main processing operation system of application processor, user interface and application program etc., modem processor is main
Processing wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 510.
Mobile terminal 500 can also include the power supply 511 (such as battery) powered to all parts, it is preferred that power supply 511
Can be logically contiguous by power-supply management system and processor 510, so as to realize management charging by power-supply management system, put
The functions such as electricity and power managed.
In addition, mobile terminal 500 includes some unshowned function modules, details are not described herein.
Preferably, the embodiment of the present invention also provides a kind of mobile terminal, and including processor 510, memory 509 is stored in
On memory 509 and the computer program that can be run on the processor 510, the computer program are performed by processor 510
Each process of the above-mentioned method of payment embodiments of Shi Shixian, and identical technique effect can be reached, it is repeated to avoid, here no longer
It repeats.
The embodiment of the present invention also provides a kind of computer readable storage medium, and meter is stored on computer readable storage medium
Calculation machine program, the computer program realize each process of above-mentioned method of payment embodiment when being executed by processor, and can reach
Identical technique effect is repeated to avoid, and which is not described herein again.Wherein, the computer readable storage medium is deposited Ru read-only
Reservoir (Read-Only Memory, abbreviation ROM), random access memory (Random Access Memory, abbreviation RAM),
Magnetic disc or CD etc..
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements not only include those elements, and
And it further includes other elements that are not explicitly listed or further includes intrinsic for this process, method, article or device institute
Element.In the absence of more restrictions, the element limited by sentence " including one ... ", it is not excluded that including
Also there are other identical elements in the process of the element, method, article or device.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be embodied in the form of software product, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), used including some instructions so that a station terminal (can be mobile phone, computer services
Device, air conditioner or network equipment etc.) perform method described in each embodiment of the present invention.
The embodiment of the present invention is described above in conjunction with attached drawing, but the invention is not limited in above-mentioned specific
Embodiment, above-mentioned specific embodiment is only schematical rather than restricted, those of ordinary skill in the art
Under the enlightenment of the present invention, present inventive concept and scope of the claimed protection are not being departed from, can also made very much
Form is belonged within the protection of the present invention.
Claims (12)
1. a kind of method of payment, applied to mobile terminal, which is characterized in that the method includes：
When detecting that delivery operation is triggered, target beneficiary is determined according to triggering mode；
Obtain payment amount input by user；
According to the current location of user, current time and the payment amount, it is default to judge whether the delivery operation meets
The laissezpasser terms of payment；
If the delivery operation meets the default laissezpasser terms of payment, directly paid to the target beneficiary.
2. according to the method described in claim 1, it is characterized in that, described when detecting that delivery operation is triggered, according to touching
Originating party formula determines the step of target beneficiary, including：
If the delivery operation is triggered by scanning input payment Quick Response Code, by the corresponding gathering of the payment Quick Response Code
Side, is determined as target beneficiary；
Or,
If the delivery operation is to start preset payment applications trigger by user, current time and current location are obtained；
Gathering corresponding with the current time and the current location is searched in preset time, place and beneficiary correspondence
Side, obtains target beneficiary.
3. according to the method described in claim 2, it is characterized in that, it is described according to the current location of user, current time and
The payment amount judges the step of whether delivery operation meets preset condition, including：
Judge in preset laissezpasser beneficiary with the presence or absence of the beneficiary to match with the target beneficiary；
If there is the beneficiary to match with the target beneficiary in the preset laissezpasser beneficiary, according to preset
Laissezpasser beneficiary and laissezpasser time range, laissezpasser ground point range and laissezpasser amount of money range correspondence, determine institute
With stating the corresponding laissezpasser time range of target beneficiary, laissezpasser point range and laissezpasser amount of money range；
If the current time is in the corresponding laissezpasser time range of the target beneficiary, the current location is in the mesh
It marks in the range of the corresponding laissezpasser place of beneficiary and the payment amount is in the corresponding laissezpasser amount of money of the target beneficiary
In the range of, it is determined that the delivery operation meets default laissezpasser condition.
4. according to the method described in claim 1, it is characterized in that, described the step of obtaining payment amount input by user, packet
It includes；
According to the history payment record of user, the corresponding at least one common amount of money of the target beneficiary is determined；
Show at least one common amount of money；
It is when detecting that user is directed to the selection operation of at least one common amount of money, the selected common amount of money of user is true
It is set to payment amount input by user.
5. according to the method described in claim 1, it is characterized in that, described when detecting that delivery operation is triggered, according to
Before triggering mode determines the step of target beneficiary, the method further includes；
Receive the laissezpasser setting instruction that user sends；
Instruction is set to obtain at least one laissezpasser beneficiary according to the laissezpasser；
Obtain user with being directed to the laissezpasser time range of each laissezpasser beneficiary setting, laissezpasser point range and laissezpasser
Amount of money range；
Establish laissezpasser beneficiary and laissezpasser time range, laissezpasser ground point range and laissezpasser amount of money range is corresponding closes
System.
6. a kind of mobile terminal, which is characterized in that the mobile terminal includes：
Determining module, for when detecting that delivery operation is triggered, target beneficiary to be determined according to triggering mode；
First acquisition module, for obtaining payment amount input by user；
Judgment module for current location, current time and the payment amount according to user, judges the delivery operation
Whether satisfaction presets the laissezpasser terms of payment；
Payment module, if meeting the default laissezpasser terms of payment for the delivery operation, directly to the target beneficiary
It is paid.
7. mobile terminal according to claim 6, which is characterized in that the determining module is used for：
If the delivery operation is triggered by scanning input payment Quick Response Code, by the corresponding gathering of the payment Quick Response Code
Side, is determined as target beneficiary；
Or,
If the delivery operation is to start preset payment applications trigger by user, current time and current location are obtained；
Gathering corresponding with the current time and the current location is searched in preset time, place and beneficiary correspondence
Side, obtains target beneficiary.
8. mobile terminal according to claim 7, which is characterized in that the judgment module, including：
Judging submodule, for judging in preset laissezpasser beneficiary with the presence or absence of the receipts to match with the target beneficiary
Money side；
First determination sub-module, if for having what is matched with the target beneficiary in the preset laissezpasser beneficiary
Beneficiary, then according to preset laissezpasser beneficiary and laissezpasser time range, laissezpasser point range and the laissezpasser amount of money
Range correspondence, with determining the corresponding laissezpasser time range of the target beneficiary, laissezpasser point range and laissezpasser
Amount of money range；
Second determination sub-module, if for the current time in the corresponding laissezpasser time range of the target beneficiary,
The current location is in the range of the corresponding laissezpasser place of the target beneficiary and the payment amount is received in the target
In the range of the corresponding laissezpasser amount of money in money side, it is determined that the delivery operation meets default laissezpasser condition.
9. mobile terminal according to claim 6, which is characterized in that first acquisition module is used for：
According to the history payment record of user, the corresponding at least one common amount of money of the target beneficiary is determined；
Show at least one common amount of money；
It is when detecting that user is directed to the selection operation of at least one common amount of money, the selected common amount of money of user is true
It is set to payment amount input by user.
10. mobile terminal according to claim 6, which is characterized in that the mobile terminal further includes：
Receiving module, the laissezpasser for receiving user's transmission set instruction；
Second acquisition module, for instruction being set to obtain at least one laissezpasser beneficiary according to the laissezpasser；
Third acquisition module, for obtaining laissezpasser time range, the laissezpasser that user is set for each laissezpasser beneficiary
Ground point range and laissezpasser amount of money range；
Module is established, for establishing laissezpasser beneficiary and laissezpasser time range, laissezpasser point range and laissezpasser gold
Volume range correspondence.
11. a kind of mobile terminal, which is characterized in that including processor, memory and be stored on the memory and can be in institute
The computer program run on processor is stated, such as claim 1 to 5 is realized when the computer program is performed by the processor
Any one of described in method of payment the step of.
12. a kind of computer readable storage medium, which is characterized in that computer journey is stored on the computer readable storage medium
Sequence realizes the step of the method for payment as described in any one of claim 1 to 5 when the computer program is executed by processor
Suddenly.
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| CN201810028043.9A CN108256853B (en) | 2018-01-11 | 2018-01-11 | Payment method and mobile terminal |
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|---|---|---|---|
| CN201810028043.9A CN108256853B (en) | 2018-01-11 | 2018-01-11 | Payment method and mobile terminal |
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| CN109801057A (en) * | 2019-01-31 | 2019-05-24 | 南京维沃软件技术有限公司 | A kind of method of payment, mobile terminal and server |
| CN110175849A (en) * | 2019-04-24 | 2019-08-27 | 阿里巴巴集团控股有限公司 | Cashing method, device, equipment, server and system |
| CN110348188A (en) * | 2019-05-31 | 2019-10-18 | 阿里巴巴集团控股有限公司 | One seed nucleus body method of calibration and device |
| CN111445223A (en) * | 2020-03-24 | 2020-07-24 | 维沃移动通信有限公司 | Payment method and electronic equipment |
| CN111882321A (en) * | 2020-07-08 | 2020-11-03 | 支付宝(杭州)信息技术有限公司 | Identity verification processing method, device and system |
| US11218493B2 (en) | 2019-05-31 | 2022-01-04 | Advanced New Technologies Co., Ltd. | Identity verification |
| CN115994763A (en) * | 2023-03-23 | 2023-04-21 | 深圳市德卡科技股份有限公司 | Trusted intelligent payment method and system |
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| CN109801057A (en) * | 2019-01-31 | 2019-05-24 | 南京维沃软件技术有限公司 | A kind of method of payment, mobile terminal and server |
| CN109660949A (en) * | 2019-02-01 | 2019-04-19 | Oppo广东移动通信有限公司 | Radio scan control method, device, mobile terminal and storage medium |
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| CN111882321A (en) * | 2020-07-08 | 2020-11-03 | 支付宝(杭州)信息技术有限公司 | Identity verification processing method, device and system |
| CN115994763A (en) * | 2023-03-23 | 2023-04-21 | 深圳市德卡科技股份有限公司 | Trusted intelligent payment method and system |
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