CN109345258B - Safe payment method and device and intelligent wearable device - Google Patents
Safe payment method and device and intelligent wearable device Download PDFInfo
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- CN109345258B CN109345258B CN201811125929.1A CN201811125929A CN109345258B CN 109345258 B CN109345258 B CN 109345258B CN 201811125929 A CN201811125929 A CN 201811125929A CN 109345258 B CN109345258 B CN 109345258B
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Abstract
The invention is applicable to the technical field of electronic payment, and provides a safe payment method, a device and intelligent wearable equipment.
Description
Technical Field
The invention belongs to the technical field of electronic payment, and particularly relates to a safe payment method and device and intelligent wearable equipment.
Background
Along with the development of intelligent terminal miniaturation manufacturing technology to the intelligence wearing equipment that intelligent wrist-watch, intelligent eyes, intelligent bracelet, intelligent earphone represented fuses gradually into people's life, and along with the popularization of electronic payment, current intelligence wearing equipment also has the electronic payment function, so that people can enjoy the convenience of electronic payment anytime and anywhere.
Most of the children of the school age are provided with child watches. But because the self-protection ability of the child user is weak, the mobile payment can be carried out under the coercion condition, and the property is damaged. In view of the safety design concept of the current mobile payment technology, no effective solution is provided for personal safety and property safety of children users, and great potential safety hazards exist.
Disclosure of Invention
In view of this, embodiments of the present invention provide a secure payment method, a secure payment device, and an intelligent wearable device, so as to solve the problem that the personal and property security of a child cannot be effectively ensured by the existing payment method.
A first aspect of an embodiment of the present invention provides a secure payment method, including:
when payment request information is detected, acquiring emotional characteristic information of a user;
comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
triggering a corresponding security payment strategy according to the comparison result;
and executing corresponding payment operation according to the safety payment strategy.
A second aspect of an embodiment of the present invention provides a secure payment apparatus, including:
the payment processing device comprises an emotional characteristic information acquisition unit, a payment processing unit and a payment processing unit, wherein the emotional characteristic information acquisition unit is used for acquiring emotional characteristic information of a user when payment request information is detected;
the emotion characteristic information comparison unit is used for comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
the safety payment strategy triggering unit is used for triggering a corresponding safety payment strategy according to the comparison result;
and the payment operation execution unit is used for executing corresponding payment operation according to the security payment strategy.
A third aspect of an embodiment of the present invention provides an intelligent wearable device, including:
a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements the steps of the secure payment method provided by the first aspect of an embodiment of the invention.
Wherein the computer program comprises:
the payment processing device comprises an emotional characteristic information acquisition unit, a payment processing unit and a payment processing unit, wherein the emotional characteristic information acquisition unit is used for acquiring emotional characteristic information of a user when payment request information is detected;
the emotion characteristic information comparison unit is used for comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
the safety payment strategy triggering unit is used for triggering a corresponding safety payment strategy according to the comparison result;
and the payment operation execution unit is used for executing corresponding payment operation according to the security payment strategy.
A fourth aspect of embodiments of the present invention provides a computer-readable storage medium having a computer program stored thereon, where the computer program, when executed by a processor, implements the steps of the secure payment method provided by the first aspect of embodiments of the present invention.
Wherein the computer program comprises:
the payment processing device comprises an emotional characteristic information acquisition unit, a payment processing unit and a payment processing unit, wherein the emotional characteristic information acquisition unit is used for acquiring emotional characteristic information of a user when payment request information is detected;
the emotion characteristic information comparison unit is used for comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
the safety payment strategy triggering unit is used for triggering a corresponding safety payment strategy according to the comparison result;
and the payment operation execution unit is used for executing corresponding payment operation according to the security payment strategy.
Compared with the prior art, the embodiment of the invention has the following beneficial effects: according to the method, when payment request information is detected, emotion characteristic information of a user is obtained and compared with preset characteristic information, corresponding safety payment strategies are triggered according to the obtained comparison result, and corresponding payment operations are executed according to the triggered safety payment strategies, so that the safety payment strategies triggered by different emotion characteristic information are different, various safety payment strategies are provided, the personal and property safety of children can be effectively guaranteed, and the user experience is better.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a flowchart of an implementation of a secure payment method provided in an embodiment of the present invention;
fig. 2 is a flowchart of a specific implementation of a method for generating emotional characteristic information according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a secure payment device provided by an embodiment of the present invention;
fig. 4 is a schematic diagram of an intelligent wearable device provided in an embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In order to explain the technical means of the present invention, the following description will be given by way of specific examples. The safe payment method provided by the embodiment of the invention is mainly applied to intelligent wearable equipment, such as a child watch, a child bracelet and the like. Referring to fig. 1, fig. 1 shows an implementation process of a secure payment method provided by an embodiment of the present invention, which is detailed as follows:
in step S101, upon detection of the payment request information, emotional characteristic information of the user is acquired.
In the embodiment of the invention, when a user initiates a payment request at an intelligent wearable device worn by the user, the intelligent wearable device detects payment request information, and at this time, the intelligent wearable device starts a sensor to acquire physiological data of the user, for example, starts a heart rate sensor to acquire heart rate data of the user, starts a blood pressure sensor to acquire blood pressure data of the user, starts a temperature sensor to acquire body temperature data of the user, and the like, and generates corresponding emotional characteristic information according to the physiological data of the user.
Here, the emotional characteristic information is specific characteristic information representing a current emotional state of the user, for example, the current emotional state of the user is a normal state, a startle state, or the like.
It can be understood that different user physiological data can reflect the characteristic information of the current emotional state of the user, and corresponding emotional characteristic information can be obtained according to the user physiological data.
Optionally, in step S101, a specific implementation step of generating emotional characteristic information is further included, please refer to fig. 2, where fig. 2 shows an implementation flow of a method for generating emotional characteristic information according to an embodiment of the present invention, which is detailed as follows:
in step S201, when payment request information is detected, first user physiological data within a preset time before a detection time point of the payment request information and second user physiological data after the detection time point are acquired.
In the embodiment of the invention, the sensor of the intelligent wearable device collects the physiological data of the user once every preset period and stores the physiological data in the preset data buffer area. When the intelligent wearable device detects the payment request information, the current detection time point is obtained, and according to the detection time point, first user physiological data in a preset time before the detection time point is obtained.
Optionally, when the payment request information is detected, the acquisition period of the sensor in the intelligent wearable device is updated. It can be understood that the updated acquisition period of the sensors is smaller than the preset period before the detection time point, so as to obtain the data acquired by the plurality of or the plurality of groups of sensors within a limited time, and better analyze the change rule of the physiological data of the user.
Before the intelligent wearable user pays, the intelligent wearable user may be in motion, so that wrong judgment may be caused due to change of the heart rate value, and accuracy of triggering of the safe payment strategy is reduced.
In step S202, the first user physiological data and the second user physiological data are analyzed to obtain a change rule of the user physiological data.
In the embodiment of the present invention, the first user physiological data and the second physiological data include different physiological values, such as a heart rate value, a body temperature value, a blood pressure value, and the like, and according to the change conditions of the physiological values, the change rules of the different user physiological data can be obtained. For example, whether the change rule of the physiological data of the user is increased to a preset heart rate value or not and whether the acceleration rate reaches a preset acceleration rate or not.
Because the user can move before paying, or pay under the condition of coercion, the change rule of the physiological data of the user before and after the detection time point of the payment request information is detected is taken as the important basis of the emotional characteristic information, and the trigger error of the safe payment strategy can be effectively reduced.
In step S203, according to the change rule, emotion feature information of the user is generated.
In the embodiment of the invention, the change rule of the physiological data of the user reflects the current emotional state of the user from the front or the side through the change rule of the physiological data of the user, so that the emotional characteristic information comprising the change rule and the current emotional state of the user is generated.
In the embodiment of the invention, the triggering error of the safe payment strategy can be effectively reduced by acquiring the first user physiological data in the preset time before the detection time point of the payment request information and the second user physiological data after the detection time point, and taking the change rule obtained by analyzing the first user physiological data and the second user physiological data as the important basis of the emotional characteristic information, so that the user experience is better.
In step S102, the emotion feature information is compared with preset feature information to obtain a comparison result.
In the embodiment of the invention, the emotion characteristic information is compared with the preset characteristic information, and whether the change rules of the emotion characteristic information and the preset characteristic information are consistent or not is mainly compared. The preset feature information referred to herein includes at least two preset feature information, such as a change rule during normal or startle, or a change rule during startle or startle, so as to determine that the current emotional state of the user is a normal, startle or startle state.
Optionally, the preset feature information includes any one or more of first preset feature information, second preset feature information, third preset feature information, and fourth preset feature information, and the step S102 specifically includes:
determining whether a change rule in the emotion characteristic information conforms to a change rule of first preset characteristic information; and/or:
determining whether a change rule in the emotion characteristic information conforms to a change rule of second preset characteristic information; and/or:
determining whether a change rule in the emotion characteristic information conforms to a change rule of third preset characteristic information; and/or:
and determining whether the change rule in the emotion characteristic information conforms to the change rule of fourth preset characteristic information.
In the embodiment of the invention, the change rules contained in different preset characteristic information are different, and the safe payment strategy corresponding to the emotion characteristic information can be determined by matching the change rules of the emotion characteristic information with the corresponding preset characteristic information.
It can be understood that the security payment policies corresponding to different preset feature information are different, and when the preset feature information conforming to the emotion feature information is determined, the security payment policy corresponding to the emotion feature information can be determined.
Here, the change rule corresponding to the first preset feature information is set as a first physiological value change rule, the change rule corresponding to the second preset feature information is set as a second physiological value change rule, the change rule corresponding to the third preset feature information is set as a third physiological value change rule, and the change rule corresponding to the fourth preset feature information is set as a fourth physiological value change rule, where the physiological values include, but are not limited to, a heart rate value, a blood pressure value, a body temperature value, and a pulse value.
Taking the change rule of the heart rate number as an example, the change rule of the preset characteristic information is described in a related way:
first heart rate change law: the heart rate value is in a normal heart rate range within a preset time, or the acceleration rate of the heart rate value is smaller than a first preset acceleration rate, or the deceleration rate of the heart rate value is smaller than a preset deceleration rate;
second heart rate change law: the heart rate value is larger than a first preset heart rate value in a preset duration, and the acceleration of the heart rate value is larger than or equal to a first preset acceleration and smaller than a second preset acceleration;
the third heart rate change rule: the heart rate value is larger than a second preset heart rate value in a preset duration, and the acceleration of the heart rate value is larger than or equal to a second preset acceleration and smaller than a third preset acceleration;
fourth heart rate variability law: the heart rate value is zero for a preset duration.
Here, when the user is in motion, the change in the heart rate value is relatively slow, i.e. the rate of increase of the heart rate value is not very large; when the user is frightened, the change of the heart rate value of the user is large within the preset time length, namely the acceleration of the heart rate value of the user when the user is frightened is large relative to the acceleration of the heart rate value of the user when the user moves, and at this time, whether the user performs the payment operation after moving or performs the payment operation when the user is frightened can be determined through the set first preset acceleration.
Here, when the user is scared by different degrees, the heart rate of the user also changes correspondingly, for example, when the current emotional state of the user is afraid, but the current emotional state of the user does not reach the scare degree, the corresponding heart rate changes to increase from the normal heart rate value to be higher than a first preset heart rate value, and the acceleration rate of the heart rate value is greater than or equal to a first preset acceleration rate and smaller than a second preset acceleration rate; when the current emotional state of the user is panic, the corresponding heart rate changes from the normal heart rate value to be increased to be higher than a second preset heart rate value, and the acceleration rate of the heart rate value is larger than or equal to a second preset acceleration rate and smaller than a third preset acceleration rate.
After user's intelligent wearing equipment was snatched, user's heart rate value can not be detected to intelligent wearing equipment, and at this moment, the heart rate value that heart rate sensor gathered is zero.
In step S103, a corresponding secure payment policy is triggered according to the comparison result.
In the embodiment of the invention, the safety payment strategies corresponding to different comparison results are different, and after the comparison result of the emotion characteristic information and the preset characteristic information is determined, the safety payment strategy corresponding to the emotion characteristic information can be determined.
The safety payment strategy referred herein is to execute different payment operations under different current emotional states of the user, for example, when the current emotional state of the user is normal, that is, there is no coercion, the corresponding payment operation may be executed normally to complete payment, when the current emotional state of the user is scary, a single payment amount may be adjusted, and when the single payment amount is exceeded, the intelligent wearable device prompts a current amount allowable range or prompt information that the current payment exceeds the allowable payment amount.
Optionally, when the preset feature information includes first preset feature information, second preset feature information, third preset feature information, and fourth preset feature information, step S103 specifically includes:
when the change rule in the emotion characteristic information accords with the change rule of first preset characteristic information, triggering a normal payment strategy;
when the change rule in the emotion characteristic information accords with the change rule of second preset characteristic information, triggering a quota payment strategy;
when the change rule in the emotion characteristic information accords with the change rule of third preset characteristic information, triggering an emergency payment strategy;
and when the change rule in the emotion characteristic information accords with the change rule of fourth preset characteristic information, triggering a delayed payment strategy.
In the embodiment of the invention, by setting the corresponding safety payment strategy when different emotion characteristic information accords with different preset characteristic information, when the change rule of the emotion characteristic information accords with the change rule of the preset characteristic information, the safety payment strategy corresponding to the preset characteristic information is triggered.
That is, the secure payment policy includes, but is not limited to, a normal payment policy, a quota payment policy, an emergency payment policy, and a delayed support policy.
The normal payment strategy is to execute corresponding payment operation according to the received payment request information of the user, namely to respond to the payment request of the user in real time according to the payment request information and complete the corresponding payment operation;
the quota payment strategy is specifically that after the current single payment amount is reduced to a preset payment amount and/or the payment amount of one day is reduced to a preset payment total amount, corresponding payment operation is executed; if the payment amount contained in the payment information exceeds a preset payment amount and/or the payment amount in a preset time exceeds a preset payment total amount, sending prompt information that the payment amount is higher than the payment amount, simultaneously starting a sensor such as a voice sensor or an image sensor and the like to acquire surrounding environment information, and sending first alarm prompt information generated according to the surrounding environment information to a preset mobile terminal;
the emergency payment strategy is specifically that corresponding payment operation is executed according to received payment request information of a user, meanwhile, a sensor such as a voice sensor or an image sensor is started to collect peripheral environment information, second alarm reminding information is generated according to the peripheral environment information, and the second alarm reminding information is sent to a preset mobile terminal;
specifically, the delayed payment strategy is to perform the corresponding payment operation in a delayed manner, that is, the corresponding payment operation is performed after a preset time, where the preset time is an infinite time value, and actually, the payment is assumed to be performed to achieve the purpose of delaying, and meanwhile, a sensor, such as a voice sensor or an image sensor, is started to acquire surrounding environment information, and third alarm reminding information generated according to the surrounding environment information is sent to a preset mobile terminal.
Here, the emergency payment policy is a secure payment policy executed when the current emotional state of the user is panic, and after the payment request information is detected and the emotional characteristic information of the user is determined, corresponding payment operation is executed according to the payment request information to avoid the situation that the user is subjected to secondary injury due to incapability of payment, and meanwhile, the third alarm reminding information is sent to the preset mobile terminal, so that a holder of the preset mobile terminal can perform corresponding processing, such as alarming or notifying a teacher of a school and the like, according to the third alarm reminding information.
Here, the preset mobile terminal is a mobile terminal bound with the intelligent wearable device, and the number of the preset mobile terminals is at least one.
In step S104, a corresponding payment operation is performed according to the secure payment policy.
In the embodiment of the invention, after the corresponding security payment strategy is triggered, the corresponding payment operation is executed according to the security payment strategy to complete the payment.
Optionally, step S104 specifically includes:
when the safety payment strategy is a normal payment strategy, executing corresponding payment operation;
when the safety payment strategy is a quota payment strategy, reducing the single payment amount to a preset payment amount, and sending first alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
when the safety payment strategy is an emergency payment strategy, executing corresponding payment operation, and sending second alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
and when the safety payment strategy is a delayed payment strategy, delaying to execute corresponding payment operation, and sending third alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal.
In the embodiment of the invention, when the payment request information is detected, the emotional characteristic information of the user is obtained, the emotional characteristic information is compared with the preset characteristic information, the corresponding safety payment strategy is triggered according to the obtained comparison result, and the corresponding payment operation is executed according to the triggered safety payment strategy, so that the safety payment strategies triggered by different emotional characteristic information are different, various safety payment strategies are provided, the personal and property safety of children can be effectively ensured, and the user experience is better.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be controlled by its function and internal logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Fig. 3 is a schematic diagram of a secure payment apparatus provided in an embodiment of the present invention, corresponding to a secure payment method described in the above embodiment, and only shows portions related to the embodiment of the present invention for convenience of description.
Referring to fig. 3, the apparatus includes:
an emotional characteristic information acquiring unit 31 configured to acquire emotional characteristic information of the user when the payment request information is detected;
the emotion characteristic information comparison unit 32 is used for comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
the secure payment policy triggering unit 33 is configured to trigger a corresponding secure payment policy according to the comparison result;
and a payment operation execution unit 34, configured to execute a corresponding payment operation according to the secure payment policy.
Optionally, the emotional characteristic information obtaining unit 31 includes:
the system comprises a user physiological data acquisition subunit, a payment processing subunit and a payment processing subunit, wherein the user physiological data acquisition subunit is used for acquiring first user physiological data in a preset time before a detection time point of payment request information and second user physiological data after the detection time point when the payment request information is detected;
the user physiological data analysis subunit is used for analyzing the first user physiological data and the second user physiological data to obtain a change rule of the user physiological data;
and the emotion characteristic information generation subunit is used for generating the emotion characteristic information of the user according to the change rule.
Optionally, the preset feature information includes any one or more of first preset feature information, second preset feature information, third preset feature information, and fourth preset feature information, and the emotion feature information comparing unit 32 includes:
the first determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of first preset characteristic information; and/or:
the second determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of second preset characteristic information; and/or:
the third determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of third preset characteristic information; and/or:
and the fourth determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of fourth preset characteristic information.
Optionally, the secure payment policy triggering unit 33 includes:
the first payment strategy triggering subunit is used for triggering a normal payment strategy when the change rule in the emotion characteristic information accords with the change rule of first preset characteristic information;
the second payment strategy triggering subunit is used for triggering a quota payment strategy when the change rule in the emotion characteristic information accords with the change rule of second preset characteristic information;
the third payment strategy triggering subunit is used for triggering an emergency payment strategy when the change rule in the emotion characteristic information accords with the change rule of third preset characteristic information;
and the fourth payment strategy triggering subunit is used for triggering a delayed payment strategy when the change rule in the emotion characteristic information accords with the change rule of fourth preset characteristic information.
Optionally, the payment operation executing unit 34 includes:
the first payment operation execution subunit is used for executing corresponding payment operation when the secure payment policy is a normal payment policy;
the second payment operation execution subunit is used for reducing the single payment amount to a preset payment amount when the safety payment strategy is a quota payment strategy, and sending first alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
the third payment operation execution subunit is used for executing corresponding payment operation when the safety payment strategy is an emergency payment strategy, and sending second alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
and the fourth payment operation execution subunit is used for executing the corresponding payment operation in a delayed manner when the safety payment strategy is a delayed payment strategy, and sending third alarm reminding information generated according to the acquired surrounding environment information to the preset mobile terminal.
In the embodiment of the invention, when the payment request information is detected, the emotional characteristic information of the user is obtained, the emotional characteristic information is compared with the preset characteristic information, the corresponding safety payment strategy is triggered according to the obtained comparison result, and the corresponding payment operation is executed according to the triggered safety payment strategy, so that the safety payment strategies triggered by different emotional characteristic information are different, various safety payment strategies are provided, the personal and property safety of children can be effectively ensured, and the user experience is better.
Fig. 4 is a schematic view of an intelligent wearable device according to an embodiment of the present invention. As shown in fig. 4, the smart wearable device 4 of this embodiment includes: a processor 40, a memory 41 and a computer program 42 stored in said memory 41 and executable on said processor 40. The processor 40, when executing the computer program 42, implements the steps in the various secure payment method embodiments described above, such as the steps 101 to 104 shown in fig. 1. Alternatively, the processor 40, when executing the computer program 42, implements the functions of the units in the system embodiments, such as the functions of the modules 31 to 34 shown in fig. 3.
Illustratively, the computer program 42 may be divided into one or more units, which are stored in the memory 41 and executed by the processor 40 to accomplish the present invention. The one or more units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 42 in the smart wearable device 4. For example, the computer program 42 may be divided into an emotional characteristic information obtaining unit 31, an emotional characteristic information comparing unit 32, a secure payment policy triggering unit 33, and a payment operation executing unit 34, and the specific functions of each unit are as follows:
an emotional characteristic information acquiring unit 31 configured to acquire emotional characteristic information of the user when the payment request information is detected;
the emotion characteristic information comparison unit 32 is used for comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
the secure payment policy triggering unit 33 is configured to trigger a corresponding secure payment policy according to the comparison result;
and a payment operation execution unit 34, configured to execute a corresponding payment operation according to the secure payment policy.
Optionally, the emotional characteristic information obtaining unit 31 includes:
the system comprises a user physiological data acquisition subunit, a payment processing subunit and a payment processing subunit, wherein the user physiological data acquisition subunit is used for acquiring first user physiological data in a preset time before a detection time point of payment request information and second user physiological data after the detection time point when the payment request information is detected;
the user physiological data analysis subunit is used for analyzing the first user physiological data and the second user physiological data to obtain a change rule of the user physiological data;
and the emotion characteristic information generation subunit is used for generating the emotion characteristic information of the user according to the change rule.
Optionally, the preset feature information includes any one or more of first preset feature information, second preset feature information, third preset feature information, and fourth preset feature information, and the emotion feature information comparing unit 32 includes:
the first determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of first preset characteristic information; and/or:
the second determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of second preset characteristic information; and/or:
the third determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of third preset characteristic information; and/or:
and the fourth determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of fourth preset characteristic information.
Optionally, the secure payment policy triggering unit 33 includes:
the first payment strategy triggering subunit is used for triggering a normal payment strategy when the change rule in the emotion characteristic information accords with the change rule of first preset characteristic information;
the second payment strategy triggering subunit is used for triggering a quota payment strategy when the change rule in the emotion characteristic information accords with the change rule of second preset characteristic information;
the third payment strategy triggering subunit is used for triggering an emergency payment strategy when the change rule in the emotion characteristic information accords with the change rule of third preset characteristic information;
and the fourth payment strategy triggering subunit is used for triggering a delayed payment strategy when the change rule in the emotion characteristic information accords with the change rule of fourth preset characteristic information.
Optionally, the payment operation executing unit 34 includes:
the first payment operation execution subunit is used for executing corresponding payment operation when the secure payment policy is a normal payment policy;
the second payment operation execution subunit is used for reducing the single payment amount to a preset payment amount when the safety payment strategy is a quota payment strategy, and sending first alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
the third payment operation execution subunit is used for executing corresponding payment operation when the safety payment strategy is an emergency payment strategy, and sending second alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
and the fourth payment operation execution subunit is used for executing the corresponding payment operation in a delayed manner when the safety payment strategy is a delayed payment strategy, and sending third alarm reminding information generated according to the acquired surrounding environment information to the preset mobile terminal.
The smart wearable device 4 may include, but is not limited to, a processor 40 and a memory 41. Those skilled in the art will appreciate that fig. 4 is merely an example of smart-wearable device 4, and does not constitute a limitation of smart-wearable device 4, and may include more or fewer components than those shown, or combine certain components, or different components, for example, the smart-wearable device may also include input-output devices, network access devices, buses, etc.
The Processor 40 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the system is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed system/smart wearable device and method may be implemented in other ways. For example, the system/smart wearable device embodiments described above are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implementing, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, systems or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or system capable of carrying said computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, etc. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.
Claims (8)
1. A secure payment method, the method comprising:
when payment request information is detected, acquiring first user physiological data in preset time before a detection time point of the payment request information and second user physiological data after the detection time point;
analyzing the first user physiological data and the second user physiological data to obtain a change rule of the user physiological data;
generating emotion characteristic information of the user according to the change rule;
comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
triggering corresponding security payment strategies according to the comparison results, wherein different comparison results correspond to different security payment strategies;
and executing corresponding payment operation according to the safety payment strategy.
2. The method according to claim 1, wherein the preset feature information includes any one or more of first preset feature information, second preset feature information, third preset feature information and fourth preset feature information, and the step of comparing the emotional feature information with the preset feature information includes:
determining whether a change rule in the emotion characteristic information conforms to a change rule of first preset characteristic information; and/or:
determining whether a change rule in the emotion characteristic information conforms to a change rule of second preset characteristic information; and/or:
determining whether a change rule in the emotion characteristic information conforms to a change rule of third preset characteristic information; and/or:
and determining whether the change rule in the emotion characteristic information conforms to the change rule of fourth preset characteristic information.
3. The method of claim 2, wherein the step of triggering a corresponding secure payment policy based on the comparison comprises:
when the change rule in the emotion characteristic information accords with the change rule of first preset characteristic information, triggering a normal payment strategy;
when the change rule in the emotion characteristic information accords with the change rule of second preset characteristic information, triggering a quota payment strategy;
when the change rule in the emotion characteristic information accords with the change rule of third preset characteristic information, triggering an emergency payment strategy;
and when the change rule in the emotion characteristic information accords with the change rule of fourth preset characteristic information, triggering a delayed payment strategy.
4. The method of claim 3, wherein the step of performing the corresponding payment operation in accordance with the secure payment policy comprises:
when the safety payment strategy is a normal payment strategy, executing corresponding payment operation;
when the safety payment strategy is a quota payment strategy, reducing the single payment amount to a preset payment amount, and sending first alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
when the safety payment strategy is an emergency payment strategy, executing corresponding payment operation, and sending second alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal;
and when the safety payment strategy is a delayed payment strategy, delaying to execute corresponding payment operation, and sending third alarm reminding information generated according to the collected surrounding environment information to a preset mobile terminal.
5. A secure payment device, the device comprising:
the payment processing device comprises an emotional characteristic information acquisition unit, a payment processing unit and a payment processing unit, wherein the emotional characteristic information acquisition unit is used for acquiring emotional characteristic information of a user when payment request information is detected;
the emotion characteristic information comparison unit is used for comparing the emotion characteristic information with preset characteristic information to obtain a comparison result;
the safety payment strategy triggering unit is used for triggering corresponding safety payment strategies according to the comparison results, and different comparison results correspond to different safety payment strategies;
the payment operation execution unit is used for executing corresponding payment operation according to the security payment strategy;
the emotion feature information acquisition unit includes:
the system comprises a user physiological data acquisition subunit, a payment processing subunit and a payment processing subunit, wherein the user physiological data acquisition subunit is used for acquiring first user physiological data in a preset time before a detection time point of payment request information and second user physiological data after the detection time point when the payment request information is detected;
the user physiological data analysis subunit is used for analyzing the first user physiological data and the second user physiological data to obtain a change rule of the user physiological data;
and the emotion characteristic information generation subunit is used for generating the emotion characteristic information of the user according to the change rule.
6. The secure payment apparatus according to claim 5, wherein the preset feature information includes any one or more of first preset feature information, second preset feature information, third preset feature information, and fourth preset feature information, and the emotional feature information comparing unit includes:
the first determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of first preset characteristic information; and/or:
the second determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of second preset characteristic information; and/or:
the third determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of third preset characteristic information; and/or:
and the fourth determining subunit is used for determining whether the change rule in the emotion characteristic information conforms to the change rule of fourth preset characteristic information.
7. An intelligent wearable device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements the steps of the secure payment method of any one of claims 1 to 4.
8. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of a secure payment method according to any one of claims 1 to 4.
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