CN109426960A - Account authentication method, mobile device, account authentication equipment and readable storage medium storing program for executing - Google Patents
Account authentication method, mobile device, account authentication equipment and readable storage medium storing program for executing Download PDFInfo
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- CN109426960A CN109426960A CN201711467531.1A CN201711467531A CN109426960A CN 109426960 A CN109426960 A CN 109426960A CN 201711467531 A CN201711467531 A CN 201711467531A CN 109426960 A CN109426960 A CN 109426960A
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- Prior art keywords
- payment
- terminal
- account
- payment transaction
- authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
Abstract
The invention discloses a kind of account authentication method, mobile device, account authentication equipment and computer readable storage medium, account authentication method includes: that terminal obtains all authentication interfaces mutually bound with exclusive account；When detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records the All Activity information of this payment transaction process；The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.The present invention is effectively retained the payment information in the different means of payment based on exclusive account, so that the record specification of APP delivery operation and it is orderly, the way to manage of the unified each means of payment of effective coordination, APP is greatly improved to the efficiency of management of each means of payment, pass through effective management to the means of payment simultaneously, it has ensured fund security of the means of payment in fund operating process, has reduced fund security hidden danger.
Description
Technical field
The present invention relates to account authentication technical field more particularly to a kind of account authentication methods, mobile device, account authentication
Equipment and computer readable storage medium.
Background technique
Nowadays third party's network payment has been spread in people's life, is provided in people's lives work huge
Convenience.And the network payment tool on cell phone is very more, some APP for needing to be implemented network payment operation
(Application, i.e. application program) can call the means of payment on cell phone to carry out network payment.
But since the means of payment are more, and data not intercommunication each other, therefore the means of payment is being called to be propped up
After paying, the corresponding payment information of the different means of payment can not be effectively retained in APP, so that the record of APP delivery operation is more
It is at random unordered, lead to not carry out coordinating and unifying management to each means of payment, significantly reduces the efficiency of management, or even cause
Fund security hidden danger.
Summary of the invention
The main purpose of the present invention is to provide a kind of account authentication method, mobile device, account authentication equipment and calculating
Machine readable storage medium storing program for executing, it is intended to which solving APP can not cause the efficiency of management to reduce means of payment progress coordinating and unifying management, safety
The technical issues of hidden danger increases.
To achieve the above object, the embodiment of the present invention provides a kind of account authentication method, the account authentication method application
In mobile terminal, the account authentication method includes:
Terminal obtains all authentication interfaces mutually bound with exclusive account；
When detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records this payment transaction stream
The All Activity information of journey；
The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.
Preferably, the account authentication method further include:
Terminal establishes transaction Early-warning Model based on the All Activity information in database；
Terminal is according to all payment transaction processes in transaction Early-warning Model monitor terminal.
Preferably, the step of authentication interface calling means of payment progress payment transaction includes:
When detecting that authentication interface calls the means of payment to carry out payment transaction, terminal, which detects this payment transaction process, is
The no default early warning rule for meeting transaction Early-warning Model；
When detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction process, and exports
Warning information；
When detecting that payment transaction process meets default early warning rule, terminal executes subsequent functional steps.
Preferably, described when detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction
Process, and after the step of exporting warning information further include:
When detecting the interception instruction based on warning information, this payment transaction process of terminal aborts；
When detecting the safety verification instruction based on warning information, terminal continues to execute this payment transaction process；
When any operational order of the user based on warning information is not detected within a preset time, this branch of terminal aborts
Pay transaction flow.
Preferably, surplus fund is stored in the exclusive account, the terminal is based on the authentication interface for institute
There is Transaction Information to be stored in after the step in the database of exclusive account further include:
Terminal establishes customer investment model according to All Activity information, and obtains the remaining sum fund in exclusive account；
Terminal determines typical karst ecosystem according to the capital scale of customer investment model and remaining sum fund；
Terminal obtains the finance product of preset quantity according to typical karst ecosystem, and is shown in terminal display interface.
Preferably, after the terminal obtains the step of all authentication interfaces mutually bound with exclusive account further include:
When detecting that non-authentication interface calls the means of payment to carry out payment transaction, terminal suspends payment transaction process, and
Export warning information.
The present invention also provides a kind of mobile device, the mobile device includes:
First obtains module, for obtaining all authentication interfaces mutually bound with exclusive account；
Logging modle, for recording this payment when detecting that authentication interface calls the means of payment to carry out payment transaction
The All Activity information of transaction flow；
Preserving module, for based on the authentication interface by All Activity information preservation in the database of exclusive account.
Preferably, the mobile device further include:
Module is established, for establishing transaction Early-warning Model based on the All Activity information in database；
Monitoring module, for according to all payment transaction processes in transaction Early-warning Model monitor terminal.
Preferably, the logging modle includes:
Detection unit, for detecting this payment when detecting that authentication interface calls the means of payment to carry out payment transaction
Whether transaction flow meets the default early warning rule of transaction Early-warning Model；
First interrupt location, for when detecting that payment transaction process does not meet default early warning rule, pause payment to be handed over
Easy process, and export warning information；
First execution unit, for executing subsequent function when detecting that payment transaction process meets default early warning rule
It can step.
Preferably, the logging modle further include:
Interception unit, for interrupting this payment transaction process when detecting the interception instruction based on warning information；
Second execution unit, for continuing to execute this branch when detecting the safety verification instruction based on warning information
Pay transaction flow
Second interrupt location, for any operational order of the user based on warning information ought to be not detected within a preset time
When, interrupt this payment transaction process.
Preferably, surplus fund, the mobile device are stored in the exclusive account further include:
Second obtains module, for establishing customer investment model according to All Activity information, and obtains in exclusive account
Remaining sum fund；
Determining module, for determining typical karst ecosystem according to the capital scale of customer investment model and remaining sum fund；
Display module for obtaining the finance product of preset quantity according to typical karst ecosystem, and is shown in terminal display interface
On.
Preferably, the mobile device further include:
Output module, for when detecting that non-authentication interface calls the means of payment to carry out payment transaction, pause payment to be handed over
Easy process, and export warning information.
In addition, to achieve the above object, the present invention also provides a kind of account authentication equipment, the account authentication equipment packet
It includes: memory, processor, communication bus and the account authentication program being stored on the memory,
The communication bus is for realizing the communication connection between processor and memory；
The processor is for executing the account authentication program, to perform the steps of
Terminal obtains all authentication interfaces mutually bound with exclusive account；
When detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records this payment transaction stream
The All Activity information of journey；
The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.
Preferably, the account authentication method further include:
Terminal establishes transaction Early-warning Model based on the All Activity information in database；
Terminal is according to all payment transaction processes in transaction Early-warning Model monitor terminal.
Preferably, the step of authentication interface calling means of payment progress payment transaction includes:
When detecting that authentication interface calls the means of payment to carry out payment transaction, terminal, which detects this payment transaction process, is
The no default early warning rule for meeting transaction Early-warning Model；
When detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction process, and exports
Warning information；
When detecting that payment transaction process meets default early warning rule, terminal executes subsequent functional steps.
Preferably, described when detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction
Process, and after the step of exporting warning information further include:
When detecting the interception instruction based on warning information, this payment transaction process of terminal aborts；
When detecting the safety verification instruction based on warning information, terminal continues to execute this payment transaction process；
When any operational order of the user based on warning information is not detected within a preset time, this branch of terminal aborts
Pay transaction flow.
Preferably, surplus fund is stored in the exclusive account, the terminal is based on the authentication interface for institute
There is Transaction Information to be stored in after the step in the database of exclusive account further include:
Terminal establishes customer investment model according to All Activity information, and obtains the remaining sum fund in exclusive account；
Terminal determines typical karst ecosystem according to the capital scale of customer investment model and remaining sum fund；
Terminal obtains the finance product of preset quantity according to typical karst ecosystem, and is shown in terminal display interface.
Preferably, after the terminal obtains the step of all authentication interfaces mutually bound with exclusive account further include:
When detecting that non-authentication interface calls the means of payment to carry out payment transaction, terminal suspends payment transaction process, and
Export warning information.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Storage medium be stored with one perhaps more than one program the one or more programs can by one or one with
On processor execute to be used for:
Terminal obtains all authentication interfaces mutually bound with exclusive account；
When detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records this payment transaction stream
The All Activity information of journey；
The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.
In technical solution of the present invention, terminal obtains all authentication interfaces mutually bound with exclusive account；When detecting
When authentication interface calls the means of payment to carry out payment transaction, the terminal records the All Activity letter of this payment transaction process
Breath；The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.By with top
Formula, the present invention, which solves APP, to cause the efficiency of management to reduce means of payment progress coordinating and unifying management, and security risk is increased
Technical problem.Exclusive account is set in APP, and exclusive account and the authentication interface of network payment tool are mutually bound, is made
Data interaction can be carried out with exclusive account by obtaining authentication interface, to be effectively retained in the different means of payment based on exclusive account
Payment information so that the record specification of APP delivery operation and it is orderly, and then by APP payment link carry out the coordinating and unifying
Management, realizes the United Dispatching of fund, and the way to manage of the unified each means of payment of effective coordination greatly improves APP to each
The efficiency of management of the means of payment, while by effective management to the means of payment, ensure the means of payment in fund operating process
In fund security, reduce fund security hidden danger.
Detailed description of the invention
Fig. 1 is the flow diagram of account authentication method first embodiment of the present invention；
Fig. 2 is the flow diagram of the latter embodiment of step b in Fig. 1；
Fig. 3 is the flow diagram of account authentication method 3rd embodiment of the present invention；
Fig. 4 is the functional block diagram of mobile device of the present invention；
Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of account authentication method, in account authentication method first embodiment, the account authentication side
Method is applied to mobile terminal, and referring to Fig.1, the account authentication method includes:
Step S10, terminal obtain all authentication interfaces mutually bound with exclusive account；
Exclusive account is provided in terminal, the exclusive account can be the authentication code of terminal itself, can be some APP
Account, can be the module id of some function program, be also possible to the identifying code etc. that user is formed by registration.This is specially
Belong to the transfer correspondence that account will execute payment function as the various means of payment.The authentication interface refers to the calling of the means of payment
Interface, to standardize the management system to the means of payment, the present embodiment will be set as tying up for exclusive account by the authentication interface of verifying
Stationary interface.Therefore, belong to the authentication interface of exclusive account binding when executing payment flow, it can be direct by exclusive account
It inquires.Terminal obtains all authentication interfaces mutually bound with exclusive account, any for being initiated by authentication interface
The information content paid in transaction flow (no matter any means of payment) is concluded under exclusive account.
Step S20, when detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records this branch
Pay the All Activity information of transaction flow；
The process that terminal completes payment transaction process is to call authentication interface, is connected to corresponding payment by authentication interface
The payment transaction process of required execution is given the means of payment to complete by tool.When detecting authentication interface call payment work
When tool carries out delivery operation, if order is paid, beat reward, donate etc. transactional operation, terminal is by the All Activity in transactional operation
Information is all recorded, including exchange hour, transaction categories and transaction amount etc..Specifically, authentication interface is called, i.e.,
Prove that present terminal has initiated payment transaction process by exclusive account, and authentication interface successfully links up the means of payment, into
Enter and pays ready state.The means of payment can be the payment client terminal prestored in terminal, be also possible to terminal opening
The page end that web page interlinkage is arrived.
When detecting that authentication interface calls the means of payment to carry out payment transaction, terminal can pass through authentication interface real-time detection
To the concrete operations process of the means of payment, and during the means of payment execute this payment transaction process, under complete documentation
The All Activity information of this payment transaction process, including all data interactions in entire payment transaction process, and number
According to interactive operation conditions.
Optionally, terminal equally also can recorde certification in the All Activity information for recording this payment transaction process
Interface calls the payment environment during the means of payment.The payment environment is locating when calling the means of payment to authentication interface
Framework environment, since payment transaction is the operation to fund, and it is safety that fund, which operates most important link,.And fund operation branch
Pay environment evaluation and test be responsible for by the means of payment realize, it is corresponding evaluation and test data also can as Transaction Information a part by end
It records at end.It is understood that the evaluation and test of payment environment therefore can be pacified to payment environment based on safety
Full level evaluation distinguishes whether payment environment meets terms of trade with the size of security level.
Step S30, the terminal based on the authentication interface by All Activity information preservation exclusive account database
In.
Terminal is instrument of exchange to be docked to by authentication interface, and the All Activity information of instrument of exchange is all by terminal reality
When record.Since all Transaction Informations are all to generate after authentication interface is docked to the means of payment, and one is recognized
Card interface can only uniquely dock a means of payment.
It, then can only be by calling authentication interface A be connected to means of payment A for example, when terminal calls authentication interface A, and nothing
Method is connected to means of payment B.That is, any authentication interface all has uniqueness, it can be only connected to only one pair
The means of payment answered, the means of payment no matter being connected to are client form or page end form.
Since authentication interface may be connected to the means of payment, and authentication interface is mutually bound with exclusive account, therefore exclusive account
The payment transaction that the be connected to means of payment of any authentication interface under family execute can be pin-pointed to.And terminal has recorded
The handled all payment transaction processes crossed of each authentication interface, therefore terminal can be by authentication interface by all friendships of record
Easy information is saved in the database of exclusive account.
Since exclusive account is the promoter of the execution payment transaction process, only exclusive account exists, then
Payment transaction process handled by all authentication interfaces under exclusive account will remain stored in database, facilitate user with
When inquired everywhere.
In technical solution of the present invention, terminal obtains all authentication interfaces mutually bound with exclusive account；When detecting
When authentication interface calls the means of payment to carry out payment transaction, the terminal records the All Activity letter of this payment transaction process
Breath；The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.By with top
Formula, the present invention, which solves APP, to cause the efficiency of management to reduce means of payment progress coordinating and unifying management, and security risk is increased
Technical problem.Exclusive account is set in APP, and exclusive account and the authentication interface of network payment tool are mutually bound, is made
Data interaction can be carried out with exclusive account by obtaining authentication interface, to be effectively retained in the different means of payment based on exclusive account
Payment information so that the record specification of APP delivery operation and it is orderly, and then by APP payment link carry out the coordinating and unifying
Management, realizes the United Dispatching of fund, and the way to manage of the unified each means of payment of effective coordination greatly improves APP to each
The efficiency of management of the means of payment, while by effective management to the means of payment, ensure the means of payment in fund operating process
In fund security, reduce fund security hidden danger.
Further, on the basis of account authentication method first embodiment of the present invention, account authentication side of the present invention is proposed
Method second embodiment, the difference with previous embodiment be, the account authentication method further include:
Step S40, terminal establish transaction Early-warning Model based on the All Activity information in database；
All Activity information in database is the specifying information for all funds transactions that user is initiated by exclusive account,
And this batch of Transaction Information can embody the funds transaction feature of user to the maximum extent.The funds transaction of user is characterized in that user is daily
The transaction rule of capital management, and by transaction rule, it can reflect the transaction risk of user.Therefore, terminal can be based on number
Transaction Early-warning Model is established according to the All Activity information in library, the transaction Early-warning Model extracts user in all payment transaction streams
The attributive character of Transaction Information in journey is carried out induction-arrangement, forms the early warning mechanism of a set of specification.
Specifically, the specific steps of transaction Early-warning Model are established are as follows: obtain the institute being stored among exclusive account data library
There is Transaction Information, analyzes source for the All Activity information as data；When carrying out payment transaction usually by extracting user
The amount of money, the time, various project information of payment category, the place of payment etc., and the performance of the various project information of induction and conclusion is special
Sign, for example, same type project information a stability region being tended to of data；According to the trend situation of projects information,
Corresponding weighted value is established, and is assigned to the corresponding weighted value of projects information.
Transaction Early-warning Model key point is established to be to determine that the weighted value of various project information, the weighted value are with project
What the sensitivity coefficient of information determined, for example, payment amount is to be directly related to the property safety of user, therefore sensitivity coefficient is most
Height, and corresponding weighted value is also higher；And the place of payment is the position of determining user, it is assumed that user often carries out in the city A
Payment, then the city A is the permanent residence of user, therefore sensitivity coefficient compares payment amount and takes second place；For personal user, class is paid
Should not be relatively fixed, for example, payment category is usually diet, transportation expenses, expense of room charge etc., however not excluded that there is other payments
The transaction of classification, but it is not direct to the responsibility of safety of payment, therefore its sensitivity coefficient can be lower, corresponding weighted value will not
It is arranged very big.And so on, different project information sets up respective weighted value, constructs transaction early warning mould with auxiliary
Type.
It is easier to sort out the most transaction record of the operation frequency, frequency in the case where the sample size of Transaction Information is bigger
It is secondary more, it was demonstrated that user shows a kind of normalization in the payment transaction, to obtain the transaction feature of user, and by the friendship
Easy feature carries out the reference of payment transaction as subsequent user.
Step S50, terminal is according to all payment transaction processes in transaction Early-warning Model monitor terminal.
Transaction Early-warning Model is the early warning mechanism for user's payment transaction process, can be carried out to all payment transaction processes
Monitoring.Only after transaction Early-warning Model generates, terminal could be by transaction Early-warning Model to the payment transaction stream in terminal
Journey is monitored, and monitor mode is mainly to compare every Transaction Information in payment transaction process with transaction Early-warning Model
It is right, and payment transaction process is specifically handled according to comparison result.
It is understood that the monitoring period for Early-warning Model of trading is in terminal and detects authentication interface in the present embodiment
It during calling the means of payment to carry out payment transaction, and is to judge that user carries out whether payment transaction has conjunction during this
Method.Also, since United Dispatching of all payment transaction processes all under exclusive account realizes the promotion of the efficiency of management, make
Obtaining payment transaction more has convenience, illegal or irregularity the fund abnormal flow being easy to produce on transactional operation, and
Transaction Early-warning Model is established, payment transaction process is monitored, can avoid unstable because occurring in payment transaction flowchart process
Unsafe condition improves transaction security, ensures the normal flow of fund.
Further, on the basis of account authentication method second embodiment of the present invention, account authentication side of the present invention is proposed
Method 3rd embodiment, the difference with previous embodiment are that the authentication interface calls the step of means of payment progress payment transaction
Suddenly include:
Step a, when detecting that authentication interface calls the means of payment to carry out payment transaction, terminal detects this payment transaction
Whether process meets the default early warning rule of transaction Early-warning Model；
It, can be according to being generated based on All Activity information in the step of authentication interface calls the means of payment to carry out payment transaction
Early-warning Model of trading carries out safety monitoring.Since transaction Early-warning Model is the confluence analysis to previous Transaction Information, transaction
It is integrated with the transaction feature of Transaction Information in Early-warning Model, and converts default early warning rule for its transaction feature.And terminal will
When detecting that authentication interface calls the means of payment to carry out payment transaction, by this payment transaction process and default early warning rule into
Row matching compares, and carries out corresponding flow processing according to comparison result.Since default early warning rule is to payment transaction process
Safety guarantee, therefore, the entire comparison process that matches is completed before completing payment transaction, is only detecting this payment
When transaction flow meets the default early warning rule of transaction Early-warning Model, complete payment transaction process can be just normally completed.
Step b, when detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction process,
And export warning information；
Step c, when detecting that payment transaction process meets default early warning rule, terminal executes subsequent functional steps.
Specifically, when terminal detects that payment transaction process does not meet default early warning rule, such as transaction funds and pre-
If fund threshold value difference in early warning rule is larger, (such as transaction funds reach 100,000, and fund threshold value is 5 ten thousand), currently
Transaction funds and represent the default early warning rule of the previous transaction feature of user and be not inconsistent completely, also just represent this payment transaction stream
There may be extra funds transactions in journey, such as in user and be unaware of in the case where increases extra trading item, lead
Cause transaction funds substantial increase；Or this payment transaction process is the transaction categories that user did not initiated completely in the past, is used
The payment transaction that transaction categories are noble metal futures has been initiated at family, and in transaction Early-warning Model, user never initiated the friendship
The Transaction Information of easy classification, therefore the payment transaction process does not meet default early warning rule etc..
Certainly, the foregoing is merely explanations, do not represent default early warning rule of the invention and are only limitted to the above
Example.When terminal detects that payment transaction process does not meet the default early warning rule for representing transaction feature, terminal works as pause
Preceding payment transaction process avoids the payment transaction process of irregularity from continuously carrying out, and exports warning information；And when terminal detects
When meeting default early warning rule to payment transaction process, terminal will execute subsequent functional steps.
Referring to Fig. 2, further, after step b further include:
Step d, when detecting the interception instruction based on warning information, this payment transaction process of terminal aborts；
The warning information further includes the feedback button for being supplied to user to alarm sounds in addition to necessary alarm sounds.
There is the interception button for this payment transaction process on warning information, warning information will not meet default in payment transaction process
The link of early warning rule is shown in warning information, is supplied to user and is consulted.If user after learning warning information, thinks
Terminate this payment transaction process, intercepts instruction, terminal then can issue by the interception button on warning information to terminal
Can real-time detection to the interception instruct, and according to the interception instruct, directly interrupt this payment transaction process.Interrupt payment transaction
Process i.e. no matter this payment transaction process execute where, all terminate process, no longer execute subsequent process step.
Step e, when detecting the safety verification instruction based on warning information, terminal continues to execute this payment transaction stream
Journey；
Certainly, other than intercepting instruction, warning information also provides the option that payment transaction process continues to execute.Namely
It saying, user has initiated this payment transaction really, the payment transaction process inconsistent with default early warning rule present in,
It is not operation error caused by user's carelessness by the authority checking of user.So in this case, user can lead to
The safety verification crossed on warning information instructs to terminal and issues safety verification instruction, to show that user wants to continue executing this branch
Pay the demand of transaction flow.And terminal is when detecting the safety verification instruction based on warning information, it will from continuing to execute this
Subsequent process step in secondary payment transaction process, to complete this payment transaction process.
Step f, when any operational order of the user based on warning information is not detected within a preset time, terminal aborts
This payment transaction process.
In the present embodiment, terminal is after sending a warning, if user fails to give the warning information in time with phase
When the operational feedback answered, it is meant that active user and not to be noted warning information, warning information fail to play its alarm effectiveness.
From the angle of transaction security, terminal by this payment transaction process of direct terminal, therefore, if being not detected within a preset time
Any operational order of the user based on warning information, then terminal is by this payment transaction process of terminal.
Further, on the basis of account authentication method first embodiment of the present invention, account authentication side of the present invention is proposed
Method 3rd embodiment, referring to Fig. 3, the difference with previous embodiment is, surplus fund is stored in the exclusive account, described
The terminal is also wrapped All Activity information preservation based on the authentication interface after the step in the database of exclusive account
It includes:
Step S60, terminal establish customer investment model according to All Activity information, and obtain the money of the remaining sum in exclusive account
Gold；
Exclusive account has unified the calling of the various means of payment and authentication interface, therefore the payment initiated by exclusive account
Transaction requires the circulation of fund, and user can retain in exclusive account part remaining sum fund, in case the demand of funds transaction.
But user is not necessarily frequently necessary to the payment transaction of carry out fund, then the remaining sum fund being deposited in exclusive account will be by
It leaves unused, it is assumed that this part fund can be carried out Investment & Financing, the effectiveness of remaining sum fund will be played, avoid leaving unused.
In the present embodiment, the set of All Activity information be similarly represented as the capital scale of individual subscriber, consumption propensity,
And financing style.Therefore terminal can be handled by the convergence analysis to Transaction Information, it is established that corresponding customer investment model.
The customer investment model is that the feature of the Transaction Information previous to user is concluded, and can reflect personal property situation and investment wind
Lattice.Customer investment model is to carry out induction and conclusion to finance data all in customer transaction information, as average single is traded
Transaction amount, transaction categories tend to, transaction execution cycle etc..To the induction and conclusion of the above finance data, corresponding use is obtained
Family investment model, the model can reflect transaction content always, and show the overall transaction feature of the user, as user hands over
Whether for the easy amount of money probably in what section, transaction content is biased into income type, consumption-orientation still donations property, to new in process of exchange
It is larger etc. that product pays close attention to dynamics, to obtain the investment style and personal property situation of individual subscriber.Meanwhile terminal will acquire
Remaining remaining sum fund in exclusive account.
Step S70, terminal determine typical karst ecosystem according to the capital scale of customer investment model and remaining sum fund；
The investment model of to master user, terminal can derive the financing Generalization bounds to individual subscriber.Meanwhile it can
It is invested using remaining sum fund present in account, avoids the idle waste of account fund.
The financing investment orientation of the bootable user of customer investment model, determines the throwing of user by customer investment model first
Money style belongs to conservative style, steady style or radical style, and is determined by the scale of remaining sum fund and be suitble to use
The typical karst ecosystem at family.Such as by customer investment model, terminal can determine that user has the theory of investment of steady style, and its
Remaining sum fund in exclusive account reaches 30,000 yuan, then terminal can determine that user's fund is filled using remaining sum fund as idle fund
It is abundant, belong to middle class, then Generalization bounds of managing money matters accordingly can be and not pursue profit return rate in a short time, by stable
Mid-term or long-term investment time limit, which obtain, stablizes investment return；It is also possible to pursue stable investment return, but fund may be short
Transferred in time phase etc..
Step S80, terminal obtain the finance product of preset quantity according to typical karst ecosystem, and are shown in terminal display interface
On.
After typical karst ecosystem under determination, terminal can be determined by the various investment means such as fund, national debt or futures
The finance product (or financing is combined) to match with typical karst ecosystem, and the finance product is recommended to terminal display interface, prevent
The only idle waste of fund improves remaining sum fund bring fund income.
It is understood that typical karst ecosystem is determined by customer investment model and remaining sum fund, so when user throws
When money style changes or the scale of remaining sum fund changes, typical karst ecosystem can also occur dynamic and change, but when difference
The typical karst ecosystem of phase can be cross-referenced, such as when biggish difference occurs for the typical karst ecosystem decided when two periods, than
As when typical karst ecosystem is converted to by emphasis short-term yield focuses on long-term gain, terminal can be mentioned in the finance product that display is recommended
Show that user expands remaining sum fund, to improve investment return.
Further, on the basis of account authentication method first embodiment of the present invention, account authentication side of the present invention is proposed
Method fourth embodiment, the difference with previous embodiment are that the terminal obtains all certifications mutually bound with exclusive account
After the step of interface further include:
Step S90, when detecting that non-authentication interface calls the means of payment to carry out payment transaction, terminal suspends payment transaction
Process, and export warning information.
The non-authentication interface refers to the payment calling interface that do not bind mutually with exclusive account, belongs to and does not conform to illegally
The payment interface of rule, for the fund security for ensureing terminal itself, the payment transaction process of non-authentication interface will be prohibited, and to
Family sends a warning.
The present embodiment is the further safety guarantee to the payment transaction process of exclusive account.Assuming that user is commonly using solid
The fixed means of payment, then its corresponding payment interface will be confirmed as authentication interface, and once strange non-authentication interface
It calls the means of payment to carry out payment transaction, does not then meet the use habit of user, need to carry out it safety confirmation, therefore need
Suspend payment transaction process, carries out alarm.
Alternatively, in real life, terminal may receive the payment request that do not cross by user authentication, such as bullet
Window payment interface, induction payment interface etc. unsafe payment request, and above-described payment request does not pass through end
The binding authentication of exclusive account is held, if do not managed effectively it, is easy so that the spontaneous calling payment of non-authentication interface
Tool carries out payment transaction, hidden danger of the user in terms of property safety is caused, so that user's fund suffers a loss.Therefore, it is examining
When measuring non-authentication interface calling means of payment progress payment transaction, terminal will suspend payment transaction process, and issue the user with
Warning information.
Referring to Fig. 4, the present invention provides a kind of mobile device, the mobile device includes:
First obtains module, for obtaining all authentication interfaces mutually bound with exclusive account；
Logging modle, for recording this payment when detecting that authentication interface calls the means of payment to carry out payment transaction
The All Activity information of transaction flow；
Preserving module, for based on the authentication interface by All Activity information preservation in the database of exclusive account.
Further, the mobile device further include:
Module is established, for establishing transaction Early-warning Model based on the All Activity information in database；
Monitoring module, for according to all payment transaction processes in transaction Early-warning Model monitor terminal.
Further, the logging modle includes:
Detection unit, for detecting this payment when detecting that authentication interface calls the means of payment to carry out payment transaction
Whether transaction flow meets the default early warning rule of transaction Early-warning Model；
First interrupt location, for when detecting that payment transaction process does not meet default early warning rule, pause payment to be handed over
Easy process, and export warning information；
First execution unit, for executing subsequent function when detecting that payment transaction process meets default early warning rule
It can step.
Further, the logging modle further include:
Interception unit, for interrupting this payment transaction process when detecting the interception instruction based on warning information；
Second execution unit, for continuing to execute this branch when detecting the safety verification instruction based on warning information
Pay transaction flow
Second interrupt location, for any operational order of the user based on warning information ought to be not detected within a preset time
When, interrupt this payment transaction process.
Further, surplus fund, the mobile device are stored in the exclusive account further include:
Second obtains module, for establishing customer investment model according to All Activity information, and obtains in exclusive account
Remaining sum fund；
Determining module, for determining typical karst ecosystem according to the capital scale of customer investment model and remaining sum fund；
Display module for obtaining the finance product of preset quantity according to typical karst ecosystem, and is shown in terminal display interface
On.
Further, the mobile device further include:
Output module, for when detecting that non-authentication interface calls the means of payment to carry out payment transaction, pause payment to be handed over
Easy process, and export warning information.
Referring to Fig. 5, Fig. 5 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The terminal of that embodiment of the invention equipment can be PC, be also possible to smart phone, tablet computer, E-book reader,
MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert's compression standard audio level
3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert's compression standard
Audio level 4) terminal devices such as player, portable computer.
As shown in figure 5, account authenticating device may include: processor 1001, such as CPU, memory 1005, communication is always
Line 1002.Wherein, communication bus 1002 is for realizing the connection communication between processor 1001 and memory 1005.Memory
1005 can be high speed RAM memory, be also possible to stable memory (non-volatile memory), such as disk is deposited
Reservoir.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, account authenticating device can also include user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface may include display screen
(Display), input unit such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard
Line interface.Network interface optionally may include standard wireline interface and wireless interface (such as WI-FI interface).
It will be understood by those skilled in the art that account authentication device structure shown in Fig. 5 is not constituted to account authentication
The restriction of equipment may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
As shown in figure 5, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module and account authentication program.Operating system is to manage and control the program of account authentication device hardware and software resource,
Support the operation of account authentication program and other softwares and/or program.Network communication module is for realizing in memory 1005
Communication between each component in portion, and communicated between other hardware and softwares in account authentication equipment.
In account authentication equipment shown in Fig. 5, processor 1001 is recognized for executing the account stored in memory 1005
Program is demonstrate,proved, realizes the step in above-mentioned each embodiment of account authentication method.
The present invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage has one
Perhaps more than one program the one or more programs can also be executed by one or more than one processor with
The step in each embodiment of account authentication method is stated for upper realization.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of account authentication method, which is characterized in that the account authentication method is applied to mobile terminal, the account authentication
Method includes:
Terminal obtains all authentication interfaces mutually bound with exclusive account；
When detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records this payment transaction process
All Activity information；
The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.
2. account authentication method as described in claim 1, which is characterized in that the account authentication method further include:
Terminal establishes transaction Early-warning Model based on the All Activity information in database；
Terminal is according to all payment transaction processes in transaction Early-warning Model monitor terminal.
3. account authentication method as claimed in claim 2, which is characterized in that
The step of authentication interface calls the means of payment to carry out payment transaction include:
When detecting that authentication interface calls the means of payment to carry out payment transaction, terminal detects whether this payment transaction process accords with
Close the default early warning rule of transaction Early-warning Model；
When detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction process, and exports alarm
Information；
When detecting that payment transaction process meets default early warning rule, terminal executes subsequent functional steps.
4. account authentication method as claimed in claim 3, which is characterized in that
Described when detecting that payment transaction process does not meet default early warning rule, terminal suspends payment transaction process, and exports
After the step of warning information further include:
When detecting the interception instruction based on warning information, this payment transaction process of terminal aborts；
When detecting the safety verification instruction based on warning information, terminal continues to execute this payment transaction process；
When any operational order of the user based on warning information is not detected within a preset time, this payment of terminal aborts is handed over
Easy process.
5. account authentication method as described in claim 1, which is characterized in that surplus fund is stored in the exclusive account,
The terminal based on the authentication interface by All Activity information preservation after the step in the database of exclusive account
Further include:
Terminal establishes customer investment model according to All Activity information, and obtains the remaining sum fund in exclusive account；
Terminal determines typical karst ecosystem according to the capital scale of customer investment model and remaining sum fund；
Terminal obtains the finance product of preset quantity according to typical karst ecosystem, and is shown in terminal display interface.
6. account authentication method as described in claim 1, which is characterized in that the terminal obtains all mutual with exclusive account
After the step of authentication interface of binding further include:
When detecting that non-authentication interface calls the means of payment to carry out payment transaction, terminal suspends payment transaction process, and exports
Warning information.
7. a kind of mobile device characterized by comprising
First obtains module, for obtaining all authentication interfaces mutually bound with exclusive account；
Logging modle, for recording this payment transaction when detecting that authentication interface calls the means of payment to carry out payment transaction
The All Activity information of process；
Preserving module, for based on the authentication interface by All Activity information preservation in the database of exclusive account.
8. mobile device as claimed in claim 7, which is characterized in that the mobile device further include:
Module is established, for establishing transaction Early-warning Model based on the All Activity information in database；
Monitoring module, for according to all payment transaction processes in transaction Early-warning Model monitor terminal.
9. a kind of account authentication equipment, which is characterized in that the account authentication equipment includes: memory, processor, communication bus
And be stored in the account authentication program on the memory, when the information acquisition program is executed by the processor realize with
Lower step:
Terminal obtains all authentication interfaces mutually bound with exclusive account；
When detecting that authentication interface calls the means of payment to carry out payment transaction, the terminal records this payment transaction process
All Activity information；
The terminal based on the authentication interface by All Activity information preservation in the database of exclusive account.
10. a kind of computer readable storage medium, which is characterized in that be stored with account on the computer readable storage medium and recognize
Program is demonstrate,proved, such as account authentication described in any one of claims 1 to 6 is realized when the account authentication program is executed by processor
The step of method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711467531.1A CN109426960A (en) | 2017-12-28 | 2017-12-28 | Account authentication method, mobile device, account authentication equipment and readable storage medium storing program for executing |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711467531.1A CN109426960A (en) | 2017-12-28 | 2017-12-28 | Account authentication method, mobile device, account authentication equipment and readable storage medium storing program for executing |
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| CN109426960A true CN109426960A (en) | 2019-03-05 |
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ID=65513661
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| CN201711467531.1A Pending CN109426960A (en) | 2017-12-28 | 2017-12-28 | Account authentication method, mobile device, account authentication equipment and readable storage medium storing program for executing |
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