CN109472612A - A kind of safe payment method, device, wearable device and storage medium - Google Patents
A kind of safe payment method, device, wearable device and storage medium Download PDFInfo
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- CN109472612A CN109472612A CN201811284327.0A CN201811284327A CN109472612A CN 109472612 A CN109472612 A CN 109472612A CN 201811284327 A CN201811284327 A CN 201811284327A CN 109472612 A CN109472612 A CN 109472612A
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- General Physics & Mathematics (AREA)
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- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention is suitable for mobile payment technical field, provide a kind of safe payment method, device, wearable device and computer readable storage medium, the safe payment method, applied to wearable device, the described method includes: sending information to businessman's payment terminal from wearable device reads instruction, the information reads when instruction meets the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal and sends；Obtain the Business Information corresponding with information reading instruction of businessman's payment terminal feedback；If the Business Information is legal, payment accounts are sent to businessman's payment terminal, carry out delivery operation；Wherein, the payment accounts are the account bound with the wearable device.It solves the problems, such as that mobile payment program is cumbersome through the invention, realizes the mobile payment of quick and safe, improve the efficiency of mobile payment, ensure that the safety of user's fund.
Description
Technical field
The present invention relates to mobile payment technical field more particularly to a kind of safe payment method, device, wearable device and
Computer readable storage medium.
Background technique
With the continuous development of science and technology, mobile payment becomes the means of payment indispensable in people's daily life,
Greatly facilitate, enrich daily life.
When using mobile terminal execution delivery operation, generally require to open corresponding payment using journey in mobile terminal
Sequence further shows corresponding bank settlement two dimensional code, carries out mobile payment operation；Or open the payment application journey of mobile terminal
Sequence, further opens scanning means, and scanning respective pay code carries out delivery operation；So that using the frequent place of mobile payment
Payment program it is cumbersome, time-consuming more；And delivery operation must could be completed under connected state, if locating network environment
It is dangerous, then it may cause the leakage of user information, bring property loss to user.
To sum up, the quick and degree of safety for how improving mobile payment avoids mobile payment program cumbersome and user information
Leakage become those skilled in the art's urgent problem to be solved.
Summary of the invention
The embodiment of the invention provides a kind of safe payment method, device, wearable device and computer-readable storage mediums
Matter can be realized safe and efficient delivery operation under line, avoid the payment cumbersome time-consuming of payment program more and user information leakage
The problem of, the timeliness and degree of safety of mobile payment are improved, user's fund security is protected.
The embodiment of the present invention in a first aspect, provide a kind of safe payment method, be applied to wearable device, the peace
Method of payment includes: entirely
Information is sent to businessman's payment terminal from wearable device and reads instruction, and the information reads instruction and wears described
Wear transmission when the distance between equipment and businessman's payment terminal meet the first pre-determined distance；
Obtain the Business Information corresponding with information reading instruction of businessman's payment terminal feedback；
If the Business Information is legal, payment accounts are sent to businessman's payment terminal, carry out delivery operation；Wherein,
The payment accounts are the account bound with the wearable device.
In one embodiment, information reading instruction, the information are being sent from wearable device to businessman's payment terminal
It reads before being sent when instruction meets the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal, packet
It includes:
The pre-paid trigger action that user is obtained by the wearable device opens branch according to the pre-paid trigger action
Pay function；
After payment function unlatching, meet the second pre-determined distance at a distance from businessman's payment terminal in the wearable device
When, the wearable device and businessman's payment terminal are established data transmission and are connected.
In one embodiment, information being sent to businessman's payment terminal from wearable device and reading instruction, the information is read
Instruction fetch is sent when meeting the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal, comprising:
Connection, which is transmitted, by the data sends information reading instruction to businessman's payment terminal.
In one embodiment, believe in the businessman corresponding with information reading instruction for obtaining businessman's payment terminal feedback
After breath, comprising:
The Business Information is decrypted, judges whether the Business Information is legal.
In one embodiment, if the Business Information is legal, payment accounts are sent to businessman's payment terminal, are carried out
Delivery operation, comprising:
Payment of withholing directly is carried out by the Third-party payment service terminal bound with payment accounts.
In one embodiment, if the Business Information is legal, payment accounts are sent to businessman's payment terminal, are carried out
Delivery operation, comprising:
Payment of withholing directly is carried out by the Third-party payment service terminal bound with payment accounts.
In one embodiment, the safe payment method further include:
After the completion of delivery operation, the payment information of businessman's payment terminal feedback is obtained；
In the state of wearable device networking, the payment information is synchronized.
The second aspect of the embodiment of the present invention provides a kind of secure payment device, is applied to wearable device, the peace
Payment mechanism includes: entirely
Instruction sending module reads instruction, the information for sending information to businessman's payment terminal from wearable device
It reads when instruction meets the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal and sends；
Data obtaining module, the businessman corresponding with information reading instruction for obtaining businessman's payment terminal feedback believe
Breath；
Confirm payment module, if legal for the Business Information, payment accounts are sent to businessman's payment terminal, into
Row delivery operation；Wherein, the payment accounts are the account bound with the wearable device.
In one embodiment, the secure payment device, further includes:
Function opening module, for obtaining the pre-paid trigger action of user by the wearable device, according to described pre-
It pays trigger action and opens touching payment function；
Link block is established, for meeting the second pre-determined distance at a distance from businessman's payment terminal in the wearable device
When, the wearable device and businessman's payment terminal are established data transmission and are connected.
The third aspect of the embodiment of the present invention provides a kind of wearable device, including memory, processor and storage
In the memory and the computer program that can run on the processor, the processor execute the computer program
Shi Shixian is as described in aforementioned first aspect the step of safe payment method.
The fourth aspect of the embodiment of the present invention, provides a kind of computer readable storage medium, described computer-readable to deposit
Storage media is stored with computer program, and the safety as described in aforementioned first aspect is realized when the computer program is executed by processor
The step of method of payment.
As can be seen from the above technical solutions, the embodiment of the present invention has the advantage that
In the embodiment of the present invention, information is sent to businessman's payment terminal from wearable device and reads instruction, the information is read
Instruction fetch is sent when meeting the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal；Obtain businessman
The Business Information corresponding with information reading instruction of payment terminal feedback；If the Business Information is legal, branch is paid a bill
It number is sent to businessman's payment terminal, carries out delivery operation；Wherein, the payment accounts are the account bound with the wearable device
Number.Business Information is obtained when by meeting certain distance between wearable device and businessman's payment terminal and verifies businessman's letter
Breath ensure that the safety of near field payment or touching payment；By the payment accounts bound with wearable device directly withhold into
Row delivery operation, realizes wearable device delivery operation under the line of not connected state, and region biggish for the stream of people is realized
The mobile payment of quick and safe, improves the efficiency of mobile payment, ensure that the safety of user's fund.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of one embodiment flow chart of safe payment method in the embodiment of the present invention；
Interaction flow schematic diagram of the Fig. 2 for safe payment method a kind of in the embodiment of the present invention under an application scenarios；
Fig. 3 is a kind of one embodiment structure chart of secure payment device in the embodiment of the present invention；
Fig. 4 is a kind of schematic diagram for wearable device that one embodiment of the invention provides.
Specific embodiment
The embodiment of the invention provides a kind of safe payment method, device, wearable device and computer-readable storage mediums
Matter is used for real-time update interface for password input, to prevent other people from spying upon to payment cipher, avoids the leakage of payment cipher, improves
Degree of safety when wearable device is paid protects user's fund security.
In order to make the invention's purpose, features and advantages of the invention more obvious and easy to understand, below in conjunction with the present invention
Attached drawing in embodiment, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that disclosed below
Embodiment be only a part of the embodiment of the present invention, and not all embodiment.Based on the embodiments of the present invention, this field
Those of ordinary skill's all other embodiment obtained without making creative work, belongs to protection of the present invention
Range.
Referring to Fig. 1, being applied to wearable device, the peace the embodiment of the invention provides a kind of safe payment method
Method of payment includes: entirely
Step S101, information being sent to businessman's payment terminal from wearable device and reading instruction, the information reads instruction
It is sent when meeting the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal.
In the embodiment of the present invention, the wearable device includes but is not limited to smartwatch, Intelligent bracelet or Brilliant Eyes
Mirror etc., wherein the wearable device has payment function, as being equipped with answering with payment function in the wearable device
With program, application program is corresponding with the payment accounts of user, and payment accounts and Third-party payment end are bound etc..
It should be noted that first pre-determined distance is set in order to keep wearable device safer in payment process,
When meeting the first pre-determined distance at a distance from wearable device is between businessman's payment terminal, lead to businessman's payment terminal
Letter；Wherein, the first pre-determined distance can be set according to the specific category of wearable device, for example, if wearable device is
Wrist-watch, then can set the first pre-determined distance as 2 centimetres, when wrist-watch at a distance from businessman's payment terminal 2 centimetres range it
When interior or wrist-watch and businessman's payment terminal contact, then information is sent to businessman's payment terminal and read instruction.
In addition, transmitted information reading instructs to issue radiofrequency field by the chip installed in wearable device and go to read
Information is read instruction by the transmission speed of setting and is sent to businessman's payment eventually by the instruction of the relevant information of businessman's payment terminal
End.
In one embodiment, information reading instruction, the information are being sent from wearable device to businessman's payment terminal
It reads before being sent when instruction meets the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal, packet
It includes:
A1, the pre-paid trigger action that user is obtained by the wearable device, are opened according to the pre-paid trigger action
Open payment function.
In embodiments of the present invention, the pre-paid trigger action can be user to performed by the wearable device
At least one of operation, such as shake work, click action, push action or speech action；It is also possible to user described
The movement executed on wearable device, for example, capable of being opened by one key, double-click screen etc..The pre-paid of user is obtained in wearable device
When trigger action, then payment function is opened；The payment function can be touching payment function, be also possible near field payment function
Energy.
In addition, needing to judge the pre-paid trigger action of user before opening payment function, if with it is default
Operational motion matching, if one of described pre-paid trigger action movement match with preset operational motion, open
Payment function is opened, is further ensured that the safety of the current pay status of user.
A2, payment function unlatching after, the wearable device meet with businessman's payment terminal at a distance from second preset away from
From when, the wearable device and businessman's payment terminal are established data transmission and are connected.
In the present embodiment, after payment function is opened, wearable device close to businessman's payment terminal, wearable device with
When businessman's payment terminal meets the second pre-determined distance, wearable device and businessman's payment terminal are established data transmission and are connected, described
The second pre-determined distance can be greater than first pre-determined distance, according to the classification of wearable device and can specifically wear
Equipment built-in chip type is worn, the setting of distance is carried out；Such as second pre-determined distance can be set to 5 centimetres or 10 centimetres,
Wearable device at a distance from businessman's payment terminal in the range of 5 centimetres or 10 centimetres when, establish data by specific magnetic fields
Transmission connection.
In one embodiment, information being sent to businessman's payment terminal from wearable device and reading instruction, the information is read
Instruction fetch is sent when meeting the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal, comprising:
Connection, which is transmitted, by the data sends information reading instruction to businessman's payment terminal.
In the present embodiment, it after wearable device and businessman's payment terminal establish data transmission connection, is transmitted by data
Connection sends information and reads instruction to businessman's payment terminal.
It should be noted that getting the pre-paid of user when needing to carry out delivery operation by wearable device
Trigger action, and when wearable device is met certain condition at a distance from businessman's payment terminal, it just carries out information reading and refers to
The transmission of order.
In addition, the data transmission connection established can be realized under no network state, information is read into instruction and is sent to
Businessman's payment terminal can also be realized under no network state.
Step S102 obtains the Business Information corresponding with information reading instruction of businessman's payment terminal feedback.
In embodiments of the present invention, the information reads the Business Information instructed for reading businessman's payment terminal, described
Business Information may include Merchant name, business license or the quotient position information such as certificate.
It should be noted that the payment unit in wearable device is provided with chip, the data transmitted are encrypted
Transmission, guarantees the safety of user information；Information by sending from encryption to businessman's payment terminal reads instruction, obtains corresponding businessman
Information.
In one embodiment, believe in the businessman corresponding with information reading instruction for obtaining businessman's payment terminal feedback
After breath, comprising:
The Business Information is decrypted, judges whether the Business Information is legal.
In the present embodiment, by the setting in encryption chip magnetic field, the data transmission connection established is safer, and
The time for the connection established is very short, can achieve the time completion connection less than 0.1 second；Such as it is being provided with two-way mode
Near-field communication NFC device businessman's payment terminal and wearable device between, can by actively issue radiofrequency field establish
Point-to-point communication transmits encryption data by a kind of transmission speed.Wearable device gets the Business Information of encryption, passes through
Corresponding encryption and decryption key is decrypted verifying to Business Information, judges the legitimacy of Business Information.
Payment accounts are sent to businessman's payment terminal if the Business Information is legal by step S103, carry out payment behaviour
Make；Wherein, the payment accounts are the account bound with the wearable device.
In embodiments of the present invention, if to Business Information successful decryption, verifying Business Information be it is legal, then by establish
Data transmission connection sends corresponding payment accounts to businessman's payment terminal, and the payment accounts and Third-party payment service are eventually
End binding, according to current consumption information directly by carrying out delivery operation with payment accounts.
In one embodiment, if the Business Information is legal, payment accounts are sent to businessman's payment terminal, are carried out
Delivery operation, comprising:
Payment of withholing directly is carried out by the Third-party payment service terminal bound with payment accounts.
In embodiments of the present invention, wearable device and payment accounts are bound, the corresponding binding third of the payment accounts
The bank account of square payment services terminal perhaps fixation directly carries out bank account or Third-party payment clothes according to consumption information
Business terminal is withholdd, and delivery operation is completed.
It should be noted that while payment accounts are sent to businessman's payment terminal by wearable device, businessman's payment
Terminal also obtains the Third-party payment service terminal bound with payment accounts or corresponding bank account, since businessman pays eventually
End is in connected state, then can directly be carried out to corresponding bank account or Third-party payment service terminal according to consumption information
It withholds.
In one embodiment, the safe payment method, further includes:
After the completion of delivery operation, the payment information of businessman's payment terminal feedback is obtained；
In the state of wearable device networking, the payment information is synchronized.
In the present embodiment, payment amount is received in businessman, after completing payment, wearable device will acquire businessman and pay eventually
The payment information of feedback is held, the payment information includes payment amount, product name or Merchant name etc..Due to wearable device
The delivery operation completed under no network state, the consumer record carried out is in the state that wearable device is networked
It realizes and synchronizes, and current payment information can be saved.
Through the embodiment of the present invention, mobile barcode scanning payment is improved, solves the problems, such as rapid payment, wearable
Encryption chip is configured in equipment, ensure that the safety of payment transaction, while realizing the application scenarios paid under line, to flow of the people
Big region, such as subway station, bus station, store etc. configure corresponding near field or touching payment mould in corresponding payment terminal
Block ensure that the safety of transaction while promoting payment efficiency.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Embodiment two
Referring to fig. 2, interaction flow schematic diagram of the kind safe payment method under an application scenarios is provided.The friendship
Mutual process is identical as the realization principle of the method flow of embodiment one, and details are not described herein.
1, wearable device touches realization mobile payment by near field or with businessman's payment terminal；
2, the available payment accounts with wearable device binding of businessman's payment module, and then according to payment accounts, it can
To withhold to the Third-party payment service terminal or bank account bound with payment accounts；
3, businessman's payment terminal, which is networked, synchronizes payment information；
4, wearable device obtains the payment information of businessman's payment terminal feedback, further confirms that payment information.
A kind of safe payment method is essentially described above, a kind of secure payment device will be described in detail below.
Embodiment three
As shown in figure 3, being applied to wearable device, the peace the embodiment of the invention provides a kind of secure payment device
Payment mechanism includes: entirely
Instruction sending module 301 reads instruction, the letter for sending information to businessman's payment terminal from wearable device
Breath reads when instruction meets the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal and sends；
Data obtaining module 302, for obtaining the quotient corresponding with information reading instruction of businessman's payment terminal feedback
Family's information；
Confirm payment module 303, if legal for the Business Information, payment accounts is sent to businessman and are paid eventually
End carries out delivery operation；Wherein, the payment accounts are the account bound with the wearable device
In one embodiment, the secure payment device, further includes:
Function opening module, for obtaining the pre-paid trigger action of user by the wearable device, according to described pre-
It pays trigger action and opens touching payment function；
Link block is established, for meeting the second pre-determined distance at a distance from businessman's payment terminal in the wearable device
When, the wearable device and businessman's payment terminal are established data transmission and are connected.
In one embodiment, connection is transmitted by the data send information reading instruction to businessman's payment terminal.
In one embodiment, the secure payment device, further includes:
Message processing module judges whether the Business Information is legal for the Business Information to be decrypted.
In one embodiment, branch of withholing directly is carried out by the Third-party payment service terminal bound with payment accounts
It pays.
In one embodiment, the secure payment device, further includes:
Payment information receiving module, for obtaining the payment information of businessman's payment terminal feedback after the completion of delivery operation；
Payment information synchronization module, for synchronizing the payment information in the state of wearable device networking.
Through the embodiment of the present invention, businessman is obtained when meeting certain distance between wearable device and businessman's payment terminal
Information simultaneously verifies Business Information, ensure that the safety of near field payment or touching payment；Pass through the branch bound with wearable device
The number of paying a bill, which is directly withholdd, carries out delivery operation, wearable device delivery operation under the line of not connected state is realized, for people
Biggish region is flowed, the mobile payment of quick and safe is realized, improves the efficiency of mobile payment, ensure that the peace of user's fund
Entirely.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different functions
Unit, module are completed, i.e., the internal structure of the mobile terminal is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional module in embodiment can integrate in one processing unit, be also possible to
Each unit physically exists alone, and can also be integrated in one unit with two or more units, above-mentioned integrated unit
Both it can take the form of hardware realization, can also realize in the form of software functional units.In addition, the tool of each functional module
Body title is also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Module in above-mentioned mobile terminal
Specific work process, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.
Fig. 4 is a kind of schematic diagram for wearable device that one embodiment of the invention provides.As shown in figure 4, the embodiment
Wearable device 4 includes: processor 40, memory 41 and is stored in the memory 41 and can be on the processor 40
The computer program 42 of operation, such as secure payment program.The processor 40 is realized when executing the computer program 42
State the step in each safe payment method embodiment, such as step S101 shown in FIG. 1 to step S103.Alternatively, the place
Reason device 40 realizes the function of each module/unit in above-mentioned each Installation practice, such as Fig. 3 institute when executing the computer program 42
The module 301 shown to module 303 function.
Illustratively, the computer program 42 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 41, and are executed by the processor 40, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 42 in the wearable device 4 is described.For example, the computer program 42 can be by
It is divided into instruction sending module, data obtaining module, confirmation payment module, each module concrete function is as follows:
Instruction sending module reads instruction, the information for sending information to businessman's payment terminal from wearable device
It reads when instruction meets the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal and sends；
Data obtaining module, the businessman corresponding with information reading instruction for obtaining businessman's payment terminal feedback believe
Breath；
Confirm payment module, if legal for the Business Information, payment accounts are sent to businessman's payment terminal, into
Row delivery operation；Wherein, the payment accounts are the account bound with the wearable device.
The wearable device 4 may include, but be not limited only to, processor 40, memory 41.Those skilled in the art can be with
Understand, Fig. 4 is only the example of wearable device 4, does not constitute the restriction to wearable device 4, may include than illustrating more
More or less component perhaps combines certain components or different components, such as the wearable device 4 can also include
Input-output equipment, network access equipment, bus etc..
The processor 40 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 41 can be the internal storage unit of the wearable device 4, such as the hard disk of wearable device 4
Or memory.The memory 41 is also possible to the External memory equipment of the wearable device 4, such as the wearable device 4
The plug-in type hard disk of upper outfit, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital,
SD) block, flash card (Flash Card) etc..Further, the memory 41 can also both include the wearable device 4
Internal storage unit also includes External memory equipment.The memory 41 is for storing the computer program and described wearing
Wear other programs and data needed for equipment 4.The memory 41, which can be also used for temporarily storing, have been exported or will
The data of output.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that each embodiment described in conjunction with the examples disclosed in this document
Module, unit and/or method and step can be realized with the combination of electronic hardware or computer software and electronic hardware.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the present invention realizes above-described embodiment side
All or part of the process in method can also instruct relevant hardware to complete, the computer by computer program
Program can be stored in a computer readable storage medium, and the computer program is when being executed by processor, it can be achieved that above-mentioned each
The step of a embodiment of the method.Wherein, the computer program includes computer program code, and the computer program code can
Think source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium can be with
It include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, light that can carry the computer program code
Disk, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random
Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer
The content that readable medium includes can carry out increase and decrease appropriate according to the requirement made laws in jurisdiction with patent practice, such as
It does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium in certain jurisdictions.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although referring to before
Stating embodiment, invention is explained in detail, those skilled in the art should understand that: it still can be to preceding
Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
It modifies or replaces, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of safe payment method, which is characterized in that be applied to wearable device, the safe payment method includes:
Information is sent to businessman's payment terminal from wearable device and reads instruction, and the information reads instruction and wearable sets described
It is standby to send when meeting the first pre-determined distance the distance between with businessman's payment terminal；
Obtain the Business Information corresponding with information reading instruction of businessman's payment terminal feedback；
If the Business Information is legal, payment accounts are sent to businessman's payment terminal, carry out delivery operation；Wherein, described
Payment accounts are the account bound with the wearable device.
2. safe payment method according to claim 1, which is characterized in that from wearable device to businessman's payment terminal
It sends information and reads instruction, the information reads instruction and meets at a distance from the wearable device is between businessman's payment terminal
Before being sent when the first pre-determined distance, comprising:
The pre-paid trigger action that user is obtained by the wearable device opens payment function according to the pre-paid trigger action
Energy；
After payment function unlatching, when the wearable device meets the second pre-determined distance at a distance from businessman's payment terminal, institute
It states wearable device and businessman's payment terminal is established data transmission and connected.
3. safe payment method according to claim 2, which is characterized in that sent out from wearable device to businessman's payment terminal
Breath of delivering letters reads instruction, and the information reads instruction and meets the at a distance from the wearable device is between businessman's payment terminal
It is sent when one pre-determined distance, comprising:
Connection, which is transmitted, by the data sends information reading instruction to businessman's payment terminal.
4. safe payment method according to claim 1, which is characterized in that obtain businessman's payment terminal feedback with institute
It states after information reads and instruct corresponding Business Information, comprising:
The Business Information is decrypted, judges whether the Business Information is legal.
5. safe payment method according to claim 1, which is characterized in that, will payment if the Business Information is legal
Account is sent to businessman's payment terminal, carries out delivery operation, comprising:
Payment of withholing directly is carried out by the Third-party payment service terminal bound with payment accounts.
6. safe payment method according to any one of claim 1 to 5, which is characterized in that the safe payment method,
Further include:
After the completion of delivery operation, the payment information of businessman's payment terminal feedback is obtained；
In the state of wearable device networking, the payment information is synchronized.
7. a kind of secure payment device, which is characterized in that be applied to wearable device, the secure payment device includes:
Instruction sending module reads instruction for sending information to businessman's payment terminal from wearable device, and the information is read
Instruction is sent when meeting the first pre-determined distance at a distance from the wearable device is between businessman's payment terminal；
Data obtaining module, for obtaining the Business Information corresponding with information reading instruction of businessman's payment terminal feedback；
Confirm payment module, if legal for the Business Information, payment accounts is sent to businessman's payment terminal, are propped up
Pay operation；Wherein, the payment accounts are the account bound with the wearable device.
8. secure payment device according to claim 7, which is characterized in that further include:
Function opening module, for obtaining the pre-paid trigger action of user by the wearable device, according to the pre-paid
Trigger action opens touching payment function；
Link block is established, for when the wearable device meets the second pre-determined distance at a distance from businessman's payment terminal,
The wearable device and businessman's payment terminal are established data transmission and are connected.
9. a kind of wearable device, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
Described in any one of 6 the step of safe payment method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In the step of realization safe payment method as described in any one of claims 1 to 6 when the computer program is executed by processor
Suddenly.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811284327.0A CN109472612B (en) | 2018-10-31 | 2018-10-31 | Safety payment method and device, wearable device and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811284327.0A CN109472612B (en) | 2018-10-31 | 2018-10-31 | Safety payment method and device, wearable device and storage medium |
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| CN109472612A true CN109472612A (en) | 2019-03-15 |
| CN109472612B CN109472612B (en) | 2021-02-23 |
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| Publication number | Publication date |
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| CN109472612B (en) | 2021-02-23 |
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