CN109214812A - Method of payment, payment mechanism, wearable device and computer readable storage medium - Google Patents
Method of payment, payment mechanism, wearable device and computer readable storage medium Download PDFInfo
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- CN109214812A CN109214812A CN201811102789.6A CN201811102789A CN109214812A CN 109214812 A CN109214812 A CN 109214812A CN 201811102789 A CN201811102789 A CN 201811102789A CN 109214812 A CN109214812 A CN 109214812A
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- payment
- information
- wearable device
- payment information
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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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The present invention is suitable for mobile payment technical field, provide method of payment, payment mechanism, wearable device and computer readable storage medium, wherein, the method of payment includes: to obtain payment information corresponding with the payment request information when the wearable device detects payment request information；Payment function is locked according to the payment request information, judges whether the payment information meets the default terms of payment；If the payment information meets the default terms of payment, payment function is unlocked, carries out delivery operation.Technical solution provided by the invention can prevent user from generating unreasonable consumption or consumption out of control in the place for being not suitable for itself, guarantee user when paying using wearable device in reasonable consumption scene；Ensure the safety of user's fund.
Description
Technical field
The invention belongs to mobile payment technical field more particularly to a kind of method of payment, payment mechanism, wearable device and
Computer readable storage medium.
Background technique
With the continuous development of science and technology, wearable device has become device indispensable in people's daily life, greatly
Ground is convenient, enriches daily life, and people, which consume, enters the cash-free epoch, and therefore mobile payment is also bred, such as
Daily delivery operation etc. is carried out using wearable device.
However, directly scanning wearable device by businessman when minor executes delivery operation using wearable device
The payment code of offer carries out delivery operation, it is not necessary that payment can be completed by inputting payment cipher, when it is some it is unsuitable not at
The place (place that such as Internet bar or bar are not suitable for teenage entrance) of year people's consumption, then may cause minor and generate not
Reasonable consumption or consumption out of control.
To sum up, how to guarantee that minor generates reasonable consumption by wearable device and becomes those skilled in the art urgently
It solves the problems, such as.
Summary of the invention
It can in view of this, the embodiment of the invention provides a kind of method of payment, payment mechanism, wearable device and computers
Storage medium is read, to solve to cause minor to generate not in the place of some unsuitable minor's consumption in the prior art
The problem of reasonable consumption or consumption out of control.
The first aspect of the embodiment of the present invention provides a kind of method of payment, is applied to wearable device, the method for payment
Include:
When the wearable device detects payment request information, payment corresponding with the payment request information is obtained
Information；
Payment function is locked according to the payment request information, judges whether the payment information meets default payment item
Part；
If the payment information meets the default terms of payment, payment function is unlocked, carries out delivery operation.
Based on first aspect present invention, in the first possible implementation, the acquisition is believed with the payment request
Cease corresponding payment information, comprising:
Current Business Information, spending amount, consumption place and consumption time are obtained according to payment request information.
It, can at second based on the possible implementation of the first of first aspect present invention or first aspect present invention
It is described to judge whether the payment information meets the default terms of payment in the implementation of energy, comprising:
Judge Business Information in the payment information whether in default businessman's blacklist, whether spending amount default
Within the scope of the amount of money, consumption place whether within the scope of preset location and consumption time whether within a preset period of time；
Correspondingly, unlocking payment function if the payment information meets the default terms of payment, delivery operation is carried out
Include:
If the Business Information in the payment information is not in default businessman's blacklist, spending amount is in preset cost range
It is interior, consumption place within the scope of preset location and consumption time within a preset period of time when, unlock payment function, paid
Operation.
Second of possible implementation based on first aspect present invention or first aspect present invention, the third can
In the implementation of energy, the method for payment further include:
After completing delivery operation, the payment information and the information for completing payment are sent to specified mobile terminal.
Second of possible implementation based on first aspect present invention or first aspect present invention, can at the 4th kind
In the implementation of energy, after judging whether the payment information meets the default terms of payment, further includes:
If the payment information is unsatisfactory for the default terms of payment, the payment information is sent to specified movement
Terminal, to indicate that the mobile terminal feeds back corresponding response message according to the payment information；
If receive the unlock payment information of the mobile terminal feedback, payment function is unlocked, delivery operation is carried out.
The 4th kind of possible implementation based on first aspect present invention, in a fifth possible implementation,
After the unlock payment information for receiving the mobile terminal feedback, further includes:
The default terms of payment are updated according to the payment information.
The second aspect of the embodiment of the present invention provides a kind of payment mechanism, comprising:
Payment information obtains module, for when the wearable device detects payment request information, obtain with it is described
The corresponding payment information of payment request information；
Payment information matching module judges that the payment information is for locking payment function according to the payment information
It is no to meet the default terms of payment；
Delivery operation execution module unlocks payment function if meeting the default terms of payment for the payment information
Can, carry out delivery operation.
Based on second aspect of the present invention, in the first possible implementation, the payment mechanism further include:
First information sending module, for the information of the payment information and completion payment to be sent specified mobile end
End.
Second information sending module, if the default terms of payment are unsatisfactory for for the payment information, by the branch
It pays information and is sent to specified mobile terminal, to indicate that the mobile terminal feeds back corresponding response letter according to the payment information
Breath；
Information receiving module, if unlocking payment when unlock payment information for receiving mobile terminal feedback
Function carries out delivery operation；
Update module, for updating the default terms of payment according to the payment information.
The third aspect of the embodiment of the present invention provides a kind of wearable device, including memory, processor and storage
In the memory and the computer program that can run on the processor, above-mentioned computer program are held by above-mentioned processor
The method of payment referred in any possible implementation of above-mentioned first aspect or above-mentioned first aspect is realized when row.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage medium
Computer program is stored in matter, above-mentioned computer program realizes above-mentioned first aspect or above-mentioned first when being executed by processor
The method of payment referred in any possible implementation of aspect.
Existing beneficial effect is the embodiment of the present invention compared with prior art: through the embodiment of the present invention, wearable
When equipment detects payment request information, payment information is obtained；Payment function is locked according to payment request information, judges disbursement letter
Whether breath meets the default terms of payment, if satisfied, then unlocking payment function, carries out delivery operation；User is prevented to be not suitable for certainly
The place of body generates unreasonable consumption or consumption out of control, guarantees user when paying using wearable device in reasonable
Consumption scene；Ensure the safety of user's fund.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the implementation process schematic diagram of method of payment provided in an embodiment of the present invention；
Fig. 2 be another embodiment of the present invention provides method of payment implementation process schematic diagram；
Fig. 3 is the schematic diagram of payment mechanism provided in an embodiment of the present invention；
Fig. 4 is the schematic diagram of wearable device provided in an embodiment of the present invention.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
It should be appreciated that ought use in this specification and in the appended claims, term " includes " instruction is described special
Sign, entirety, step, operation, the presence of element and/or component, but be not precluded one or more of the other feature, entirety, step,
Operation, the presence or addition of element, component and/or its set.
It is also understood that mesh of the term used in this description of the invention merely for the sake of description specific embodiment
And be not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Embodiment one
Referring to Fig. 1, a kind of method of payment provided in an embodiment of the present invention is applied to wearable device, which can
To include:
Step S101 is obtained and the payment request information when the wearable device detects payment request information
Corresponding payment information.
In embodiments of the present invention, the wearable device includes but is not limited to smartwatch, Intelligent bracelet or intelligence
Glasses etc., wherein the wearable device has payment function, as being equipped in the wearable device with payment function
Application program etc..
When carrying out delivery operation by wearable device or when detecting payment request information, then it can be asked according to payment
Seek the corresponding payment information of acquisition of information；The payment request information can be the branch that user's wearable device is scanned by businessman
It is generated when being generated when paying code, or scanning businessman's payment code by wearable device, wearable device detects that payment request is believed
Breath obtains corresponding payment information according to payment request information.
It should be noted that the wearable device can be with when user carries wearable device and reaches scheduled position
It is positioned, obtains current retail shop's information, if the corresponding payment information of retail shop's information is stored in wearable device, can worn
When wearing equipment starting payment function, the payment information of the retail shop is directly acquired, and does not have to detect branch by scanning payment code again
After paying solicited message, corresponding payment information is obtained according to payment request information；The payment information includes but is not limited to pay
Title, payment accounts etc..
It is optionally, described to obtain payment information corresponding with the payment request information, comprising:
Current Business Information, spending amount, consumption place and consumption time are obtained according to payment request information.
In embodiments of the present invention, the payment information further includes Business Information, spending amount, consumption place, payment
Account and consumption time；The wearable device can also obtain the history consumption time in same retail shop according to location information
Number, if the history consumption number of times in same retail shop reach scheduled number, and store the corresponding payment information of the retail shop, when again
It is secondary to navigate to user and reach the retail shop, when the corresponding payment function of starting wearable device, directly acquire the disbursement letter of the retail shop
Breath, including payment title and payment accounts etc..
Step S102 locks payment function according to the payment request information, it is pre- to judge whether the payment information meets
If the terms of payment.
In embodiments of the present invention, before carrying out payment transaction by wearable device, believed according to the payment request
Breath temporarily locks the current payment function of wearable device, in case merchant end directly deducts spending amount.
Before judging whether the payment information meets the default terms of payment, can the equipment terms of payment in advance, such as set
Surely the Business Information that can be consumed or the Business Information that cannot be consumed, setting allow the top limit consumed, are arranged fixed
Consume place and consumption time, the daily single spending limit of equipment or setting monthly cumulative consumption amount.
It should be noted that the Business Information can correspond to the teenage Business Information that is set, can be consumed, example
Corresponding white list can be set in such as bookstore, stationer's；The Business Information that cannot be consumed can be for Internet bar, bar etc., can
Corresponding blacklist is arranged；If Business Information meets the setting range of white list, other spending amounts, consumption time are judged
And whether consumption location information meets preset condition；It can also believe in other spending amounts, consumption time and consumption place
In the case that breath meets the default terms of payment, further judge Business Information whether in white list or blacklist.
It is optionally, described to judge whether the payment information meets the default terms of payment, comprising:
Judge Business Information in the payment information whether in default businessman's blacklist, whether spending amount default
Within the scope of the amount of money, consumption place whether within the scope of preset location and consumption time whether within a preset period of time.
In embodiments of the present invention, if the default terms of payment are configured to only businessman's blacklist, preset cost, businessman is believed
Breath and spending amount are judged；If the default terms of payment further include the preset time period of consumption, preset location, need pair
Current consumption time and area of consumption point are judged；In the embodiment of the present invention to judge whether the payment information meets default
The terms of payment can be and carry out judgement to current information according to the default terms of payment of different user setting, and different user can
To set the different default terms of payment according to practical application, such as teenage, businessman's blacklist (including discomfort is set
Close the places such as Internet bar or the bar of teenage consumption), preset cost range can also be set, must be occurred daily according to teenage
Consumption (such as dinner cost etc.) set certain limit；Can also for different user object setting preset location ranges and
Preset time period, and consumption time to current consumption and area of consumption point judge, if meet the preset terms of payment.?
While guaranteeing that reasonable consumption occurs for user, the loss or maloperation of the wearable device of user can also be prevented.
Step S103 unlocks payment function if the payment information meets the default terms of payment, carries out payment behaviour
Make.
In embodiments of the present invention, if the Business Information of current consumption is set in preset white list or not in advance
In fixed blacklist, spending amount within the scope of preset amount, consumption time within the preset consumable period,
Consume place it is preset can consumption area, then current consumption meets default consumption condition, then unlocks corresponding payment function
Can, carry out delivery operation.
By the judgement to payment information, customer consumption can reasonably be controlled, user can only be in preset field
Delivery operation is carried out under scape, prevents user from generating unreasonable consumption or generation consumption out of control etc. in the place for being not suitable for itself,
Especially to teenage, guarantee that user, in reasonable consumption scene, is ensured simultaneously when being paid using wearable device
The safety of user's fund.
Correspondingly, unlocking payment function if the payment information meets the default terms of payment, delivery operation is carried out
Include:
If the Business Information in the payment information is not in default businessman's blacklist, spending amount is in preset cost range
It is interior, consumption place within the scope of preset location and consumption time within a preset period of time when, unlock payment function, paid
Operation.
In embodiments of the present invention, the terms of payment are preset according to wearable device, consumption information is judged；It is described pre-
If the terms of payment can also carry out the setting of different condition according to the concrete application of user, such as can also include the class of commodity
Not etc.；In unlock payment function, when carrying out delivery operation, the corresponding amount of money, Huo Zheyong directly can be deducted according to spending amount
Family inputs corresponding spending amount by voice, carries out delivery operation, completes payment；So that delivery operation more safety and
It is convenient.
Optionally, the method for payment further include:
After completing delivery operation, the payment information and the information for completing payment are sent to specified mobile terminal.
In embodiments of the present invention, the mobile terminal can be the mobile terminal with wearable device binding, can also be with
It is the corresponding mobile terminal of pre-set emergency contact in wearable device；The mobile terminal can be mobile phone or plate
Deng；After the completion of payment, payment information and the information for completing payment are sent to shifting by mobile security network or Wi-Fi
Dynamic terminal, with the consumer record for notifying mobile terminal to generate.
It through the embodiment of the present invention, can be for the practical situations of different users and user, to consumption scene
It is set, by judging whether the current payment information of user meets the default terms of payment, decides whether to be paid
Operation avoids user from being not suitable for itself so that user be made to carry out delivery operation under preset scene by wearable device
The place of consumption generates unreasonable consumption or consumption out of control, guarantees that user just can be used when in reasonable consumption scene
Wearable device carries out delivery operation, it is ensured that the safety of user's fund.
Embodiment two
The difference of the embodiment of the present invention and embodiment one is, in the case where payment information is unsatisfactory for the default terms of payment
Carry out delivery operation.As shown in Fig. 2, the method for payment in the embodiment of the present invention includes:
Step S201 is obtained and the payment request information when the wearable device detects payment request information
Corresponding payment information.
Step S202 locks payment function according to the payment request information, it is pre- to judge whether the payment information meets
If the terms of payment.
In the present embodiment, step S201 is when the wearable device detects payment request information, obtain with it is described
The corresponding payment information of payment request information and step S202 are according to payment request information locking payment function, judgement
Whether the payment information meets the default terms of payment, in embodiment one step S101 and step S102 it is identical, herein not
It repeats again.
The payment information is sent to by step S203 if the payment information is unsatisfactory for the default terms of payment
Specified mobile terminal, to indicate that the mobile terminal feeds back corresponding response message according to the payment information.
In embodiments of the present invention, the different terms of payment, Jin Ertong can be preset according to the consumption habit of different user
Acquisition payment information is crossed, payment information is judged.
Payment information is unsatisfactory for the default terms of payment, may include Business Information not in preset businessman's white list, or
Person's spending amount have exceeded preset cost range perhaps consumption time not within a preset period of time or consumption place not pre-
If in ground point range；Or merchandise classification is not in default merchandise classification.
If payment information is unsatisfactory for the default terms of payment, payment information is sent by mobile security network or Wi-Fi
To specified mobile terminal, the mobile terminal can be bound with wearable device, and the payment information may include businessman's letter
Breath, spending amount, consumption time, consumption place, payment accounts and merchandise classification etc.；In addition the same of payment information is being sent
When, user information, the i.e. user information of the payment application of login wearable device can also be sent, to work as to wearable device
Preceding user carries out authentication.
Corresponding response message is fed back by instruction mobile terminal, which, which can be, allows current delivery operation
Unlock payment information；Can also be does not allow current delivery operation to continue to lock payment information；And more according to current payment information
The newly default terms of payment.
If step S204 unlocks payment function, carries out receive the unlock payment information of the mobile terminal feedback
Delivery operation.
In embodiments of the present invention, when wearable device receives the unlock payment information for allowing current delivery operation,
Delivery operation can be carried out by any mode once, completed payment, be can specifically include: being paid by mobile terminal
Operation, feedback complete the information paid to wearable device；It is also possible to by direct after wearable device unlock payment function
Carry out delivery operation；It can also be and delivery operation is carried out by mobile terminal, feed back the information of payment affirmation to wearable device,
Payment is completed after being further confirmed that by wearable device.
Optionally, after the unlock payment information for receiving the mobile terminal feedback, further includes:
The default terms of payment are updated according to the payment information.
In embodiments of the present invention, it is unsatisfactory for preset condition in payment information, it is specified by the way that payment information to be sent to
The case where mobile terminal obtains the information of unlock payment, completes current delivery operation, illustrates current payment information not current
Within the scope of the default terms of payment, then the Business Information, consumption place, consumption time or the commodity class that include according to current payment information
The information such as not, update the current default terms of payment, so that in the process of consumption next time of identical payment scene, no longer to shifting
Dynamic terminal sends payment information, obtains the process of response message, directly carries out delivery operation by wearable device, improves payment effect
Rate.
It through the embodiment of the present invention, can also be by by payment information when payment information is unsatisfactory for the default terms of payment
It is sent to specified mobile terminal, by judgement, the response message of mobile terminal is obtained, unlocks payment function, carry out payment behaviour
Make, avoid the case where can not paying under some special scenes, improve the flexibility and reasonability of payment, it is ensured that uses
The safety of family fund.
It should be noted that those skilled in the art are in the technical scope disclosed by the present invention, can be readily apparent that other
Sequencing schemes should also will not repeat them here within protection scope of the present invention.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Embodiment three
It is that the schematic block diagram for the wearable device that the embodiment of the present invention three provides only shows for ease of description referring to Fig. 3
Part related to the embodiment of the present invention is gone out.
The payment mechanism includes:
Payment information obtains module 301, for when the wearable device detects payment request information, obtains and institute
State the corresponding payment information of payment request information；
Payment information matching module 302 judges the payment information for locking payment function according to the payment information
Whether satisfaction presets the terms of payment；
Delivery operation execution module 303 unlocks payment if meeting the default terms of payment for the payment information
Function carries out delivery operation.
Optionally, the payment mechanism further include:
First information sending module is set for being sent to the payment information and the information for completing to pay with the wearing
The mobile terminal of standby binding.
Second information sending module, if the default terms of payment are unsatisfactory for for the payment information, by the branch
It pays information and is sent to specified mobile terminal, to indicate that the mobile terminal feeds back corresponding information according to the payment information；
Information receiving module, if unlocking payment when unlock payment information for receiving mobile terminal feedback
Function carries out delivery operation；
Update module, for updating the default terms of payment according to the payment information.
Through the embodiment of the present invention, family can be used, delivery operation is carried out under preset scene by wearable device,
It avoids user from generating unreasonable consumption or consumption out of control in the place for being not suitable for self-consumption, guarantees user in reasonable
Wearable device just can be used when consuming scene and carry out delivery operation；Avoiding can not pay under some special scenes
Situation improves the flexibility and reasonability of payment；Ensure the safety of user's fund.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different functions
Unit, module are completed, i.e., the internal structure of the mobile terminal is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional module in embodiment can integrate in one processing unit, be also possible to
Each unit physically exists alone, and can also be integrated in one unit with two or more units, above-mentioned integrated unit
Both it can take the form of hardware realization, can also realize in the form of software functional units.In addition, the tool of each functional module
Body title is also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Module in above-mentioned mobile terminal
Specific work process, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.
Example IV
Fig. 4 is the schematic diagram for the wearable device that one embodiment of the invention provides.As shown in figure 4, the embodiment is worn
Equipment 4 is worn to include: processor 40, memory 41 and be stored in the memory 41 and can run on the processor 40
Computer program 42, such as mobile payment program.The processor 40 is realized above-mentioned each when executing the computer program 42
Step in a method of payment embodiment, such as step 101 shown in FIG. 1 is to 103.Alternatively, the processor 40 execute it is described
The function of each module/unit in above-mentioned each Installation practice, such as module 301 to 303 shown in Fig. 3 are realized when computer program 42
Function.
Illustratively, the computer program 42 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 41, and are executed by the processor 40, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 42 in the wearable device 4 is described.For example, the computer program 42 can be by
It is divided into payment information to obtain module, payment information matching module, delivery operation execution module, each module concrete function is as follows:
Payment information obtains module, for when the wearable device detects payment request information, obtain with it is described
The corresponding payment information of payment request information；
Payment information matching module judges that the payment information is for locking payment function according to the payment information
It is no to meet the default terms of payment；
Delivery operation execution module unlocks payment function if meeting the default terms of payment for the payment information
Can, carry out delivery operation.
The wearable device 4 may include, but be not limited only to, processor 40, memory 41.Those skilled in the art can be with
Understand, Fig. 4 is only the example of wearable device 4, does not constitute the restriction to wearable device 4, may include than illustrating more
More or less component perhaps combines certain components or different components, such as the wearable device 4 can also include
Input-output equipment, network access equipment, bus etc..
Alleged processor 40 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 41 can be the internal storage unit of the wearable device 4, such as the hard disk of wearable device 4
Or memory.The memory 41 is also possible to the External memory equipment of the wearable device 4, such as the wearable device 4
The plug-in type hard disk of upper outfit, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital,
SD) block, flash card (Flash Card) etc..Further, the memory 41 can also both include the wearable device 4
Internal storage unit also includes External memory equipment.The memory 41 is for storing the computer program and described wearing
Wear other programs and data needed for equipment 4.The memory 41, which can be also used for temporarily storing, have been exported or will
The data of output.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to restrict the invention.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
In embodiment provided by the present invention, it should be understood that disclosed device/terminal device and method, it can be with
It realizes by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as
Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device
Or the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that described
The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice
Subtract, such as in certain jurisdictions, according to legislation and patent practice, computer-readable medium do not include be electric carrier signal and
Telecommunication signal.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of method of payment, which is characterized in that be applied to wearable device, the method for payment includes:
When the wearable device detects payment request information, disbursement letter corresponding with the payment request information is obtained
Breath；
Payment function is locked according to the payment request information, judges whether the payment information meets the default terms of payment；
If the payment information meets the default terms of payment, payment function is unlocked, carries out delivery operation.
2. method of payment as described in claim 1, which is characterized in that described to obtain branch corresponding with the payment request information
Pay information, comprising:
Current Business Information, spending amount, consumption place and consumption time are obtained according to payment request information.
3. method of payment as claimed in claim 2, which is characterized in that described to judge whether the payment information meets default branch
The condition of paying, comprising:
Judge Business Information in the payment information whether in default businessman's blacklist, whether spending amount in preset cost
In range, consumption place whether within the scope of preset location and consumption time whether within a preset period of time；
Correspondingly, unlocking payment function if the payment information meets the default terms of payment, delivery operation packet is carried out
It includes:
If the Business Information in the payment information is not in default businessman's blacklist, spending amount within the scope of preset cost,
Consume place within the scope of preset location and consumption time within a preset period of time when, unlock payment function, carry out payment behaviour
Make.
4. method of payment as described in claim 1, which is characterized in that further include:
After completing delivery operation, the payment information and the information for completing payment are sent to specified mobile terminal.
5. method of payment as described in claim 1, which is characterized in that judging whether the payment information meets default payment
After condition, further includes:
If the payment information is unsatisfactory for the default terms of payment, the payment information is sent to specified mobile end
End, to indicate that the mobile terminal feeds back corresponding response message according to the payment information；
If receive the unlock payment information of the mobile terminal feedback, payment function is unlocked, delivery operation is carried out.
6. method of payment as claimed in claim 5, which is characterized in that in the unlock payment for receiving the mobile terminal feedback
After information, further includes:
The default terms of payment are updated according to the payment information.
7. a kind of payment mechanism characterized by comprising
Payment information obtains module, for obtaining and the payment when the wearable device detects payment request information
The corresponding payment information of solicited message；
Payment information matching module judges whether the payment information is full for locking payment function according to the payment information
The default terms of payment of foot；
Delivery operation execution module unlocks payment function if meeting the default terms of payment for the payment information, into
Row delivery operation.
8. payment mechanism as claimed in claim 7, which is characterized in that further include:
First information sending module, for the payment information and the information for completing to pay to be sent to specified mobile terminal.
Second information sending module, if the default terms of payment are unsatisfactory for for the payment information, by the disbursement letter
Breath is sent to specified mobile terminal, to indicate that the mobile terminal feeds back corresponding response message according to the payment information；
Information receiving module, if unlocking payment function when unlock payment information for receiving mobile terminal feedback,
Carry out delivery operation；
Update module, for updating the default terms of payment according to the payment information.
9. a kind of wearable device, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
The step of any one of 6 the method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as claim 1 to 6 of realization the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811102789.6A CN109214812A (en) | 2018-09-20 | 2018-09-20 | Method of payment, payment mechanism, wearable device and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811102789.6A CN109214812A (en) | 2018-09-20 | 2018-09-20 | Method of payment, payment mechanism, wearable device and computer readable storage medium |
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| CN109214812A true CN109214812A (en) | 2019-01-15 |
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| CN201811102789.6A Pending CN109214812A (en) | 2018-09-20 | 2018-09-20 | Method of payment, payment mechanism, wearable device and computer readable storage medium |
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