CN110210851A - Financial security guard method, wearable device and computer readable storage medium - Google Patents
Financial security guard method, wearable device and computer readable storage medium Download PDFInfo
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- CN110210851A CN110210851A CN201910455913.5A CN201910455913A CN110210851A CN 110210851 A CN110210851 A CN 110210851A CN 201910455913 A CN201910455913 A CN 201910455913A CN 110210851 A CN110210851 A CN 110210851A
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- Prior art keywords
- wearable device
- user
- financial
- payment behavior
- initiated
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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]
-
- 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
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
-
- G—PHYSICS
- G08—SIGNALLING
- G08C—TRANSMISSION SYSTEMS FOR MEASURED VALUES, CONTROL OR SIMILAR SIGNALS
- G08C17/00—Arrangements for transmitting signals characterised by the use of a wireless electrical link
- G08C17/02—Arrangements for transmitting signals characterised by the use of a wireless electrical link using a radio link
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N7/00—Television systems
- H04N7/18—Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
Abstract
The embodiment of the invention discloses a kind of financial security guard methods, are applied to wearable device, which comprises whether monitoring user has initiated financial payment behavior；If so, judging whether the financial payment behavior triggers Alert condition；If so, obtaining the physiological characteristic data of the user；Judge whether the physiological characteristic data of the user meets default physiological characteristic data；If meeting, the behavioral data for the financial payment behavior currently initiated is recorded, and uploads the behavioral data to cloud.The present invention also provides a kind of wearable device and storage mediums can be enhanced the safety of financial payment by implementing above scheme.
Description
Technical field
The present invention relates to electronic technology field more particularly to a kind of financial security guard methods, wearable device and calculating
Machine readable storage medium storing program for executing.
Background technique
Flexible screen graduallys mature therewith, and the wearable device configured with flexible screen starts to occur, compared to tradition
Wearable device, the wearable device configured with flexible screen have bigger screen display area, have wider array of operation
Space, therefore the achievable function of wearable device is more and more, such as financial payment, synchronous intelligent mobile phone etc..But in reality
In life, once financial payment behavior has been initiated in the case where non-self wish, user can not alarm well or
The preservation of person's progress evidence.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of financial security guard method, wearable device and computer-readable
Storage medium, so that safer when initiating financial payment by mobile device for user.
To solve the above problems, it is applied to wearable device the present invention provides a kind of financial security guard method, it is described
Method includes: whether monitoring user has initiated financial payment behavior；If so, judging whether the financial payment behavior triggers police
Dharma part；If so, obtaining the physiological characteristic data of the user；It is pre- to judge whether the physiological characteristic data of the user meets
If physiological characteristic data；If meeting, the behavioral data for the financial payment behavior currently initiated is recorded, and uploads the row
For data to cloud.
Optionally, the step of whether the monitoring user has initiated financial payment behavior specifically includes: monitoring the user
Whether financial payment behavior initiated by the wearable device.
Optionally, the wearable device connects the smart phone of the user, and shares the data of the smart phone.
Optionally, the step of whether the monitoring user has initiated financial payment behavior specifically includes: being worn by described
It wears equipment and judges whether user by the smart phone has initiated financial payment behavior.
Optionally, the Alert condition is the payment amount in banking operation.
Optionally, the Alert condition is the not collecting account in user's white list in banking operation.
Optionally, the physiological characteristic data includes any one of heart rate and humidity of skin combination.
Optionally, the method also includes: record currently initiate the financial payment behavior behavioral data when, lead to
The camera for crossing the wearable device obtains ambient image under current payment environment, and the ambient image is uploaded to institute
State cloud.
Further, the present invention also provides a kind of wearable devices, and the wearable device is at least further include: storage
Device, communication bus and processor, in which: the memory, for storing financial security protective program；The communication bus is used
Connection communication between realization processor and memory；The processor, for executing the financial security stored in memory
Protective program, the step of to realize above-mentioned financial security guard method.
Further, the present invention also provides a kind of storage medium, the storage medium is stored with one or more journey
Sequence, one or more of programs can be executed by one or more processor, to realize as above described in any item finance
The step of method for security protection.
By implementing above scheme, user can be made to carry out financial branch using wearable device or other functional terminals
Fu Shi increases the safety of its financial payment.
Detailed description of the invention
In attached drawing (it is not necessarily drawn to scale), similar appended drawing reference can describe phase in different views
As component.Similar reference numerals with different letter suffix can indicate the different examples of similar component.Attached drawing with example and
Unrestricted mode generally shows each embodiment discussed herein.
Fig. 1 is a kind of hardware structural diagram of embodiment of wearable device provided in an embodiment of the present invention；
Fig. 2 is a kind of hardware schematic of embodiment of wearable device provided by the embodiments of the present application；
Fig. 3 is a kind of hardware schematic of embodiment of wearable device provided by the embodiments of the present application；
Fig. 4 is a kind of hardware schematic of embodiment of wearable device provided by the embodiments of the present application；
Fig. 5 is a kind of hardware schematic of embodiment of wearable device provided by the embodiments of the present application；
Fig. 6 is a kind of flow diagram of financial security guard method of the present invention；
Fig. 7 is a kind of module diagram of wearable device of the present invention；
Fig. 8 is a kind of wearable device composed structure schematic diagram 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.
In subsequent description, it is only using the suffix for indicating such as " module ", " component " or " unit " of element
Be conducive to explanation of the invention, itself there is no a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
The wearable device provided in the embodiment of the present invention includes that Intelligent bracelet, smartwatch and smart phone etc. move
Dynamic terminal.With the continuous development of Screen Technology, the appearance of the screens form such as flexible screen, Folding screen, smart phone etc. is mobile eventually
End can also be used as wearable device.The wearable device provided in the embodiment of the present invention may include: RF (Radio
Frequency, radio frequency) unit, WiFi module, audio output unit, A/V (audio/video) input unit, sensor, display
The components such as unit, user input unit, interface unit, memory, processor and power supply.
It will be illustrated by taking wearable device as an example in subsequent descriptions, referring to Fig. 1, its each implementation to realize the present invention
A kind of hardware structural diagram of wearable device of example, which may include: RF (Radio
Frequency, radio frequency) unit 101, WiFi module 102, audio output unit 103, A/V (audio/video) input unit 104,
Sensor 105, display unit 106, user input unit 107, interface unit 108, memory 109, processor 110, Yi Ji electricity
The components such as source 111.It will be understood by those skilled in the art that wearable device structure shown in Fig. 1 is not constituted to wearable
The restriction of equipment, wearable device may include perhaps combining certain components or difference than illustrating more or fewer components
Component layout.
It is specifically introduced below with reference to all parts of the Fig. 1 to wearable device:
Radio frequency unit 101 can be used for receiving and sending messages or communication process in, signal sends and receivees, specifically, radio frequency list
Uplink information can be sent to base station by member 101, and after the downlink information that in addition can also be sent base station receives, being sent to can be worn
The processor 110 for wearing equipment is handled, and base station can be to the downlink information that radio frequency unit 101 is sent and be sent out according to radio frequency unit 101
What the uplink information sent generated, it is also possible to actively push away to radio frequency unit 101 after the information update for detecting wearable device
It send, for example, base station can penetrating to wearable device after detecting that geographical location locating for wearable device changes
Frequency unit 101 sends the message informing of geographical location variation, and radio frequency unit 101, can should after receiving the message informing
The processor 110 that message informing is sent to wearable device is handled, and it is logical that the processor 110 of wearable device can control the message
Know on the display panel 1061 for being shown in wearable device；In general, radio frequency unit 101 include but is not limited to antenna, at least one
Amplifier, transceiver, coupler, low-noise amplifier, duplexer etc..In addition, radio frequency unit 101 can also pass through channel radio
Letter communicated with network and other equipment, specifically may include: by wireless communication with the server communication in network system, example
Such as, wearable device can download file resource from server by wireless communication, for example can download and answer from server
With program, after wearable device completes the downloading of a certain application program, if the corresponding file of the application program in server
Resource updates, then the server can be by wireless communication to the message informing of wearable device push resource updates, to remind
User is updated the application program.Any communication standard or agreement can be used in above-mentioned wireless communication, including but not limited to
GSM (Global System of Mobile communication, global system for mobile communications), GPRS (General
Packet Radio Service, general packet radio service), CDMA2000 (Code Division Multiple Access
2000, CDMA 2000), (Wideband Code Division Multiple Access, wideband code division are more by WCDMA
Location), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access, time division synchronous
CDMA), (Frequency Division Duplexing-Long Term Evolution, frequency division duplex are long by FDD-LTE
Phase evolution) and TDD-LTE (Time Division Duplexing-Long Term Evolution, time division duplex are drilled for a long time
Into) etc..
In one embodiment, wearable device 100 can access existing communication network by insertion SIM card.
In another embodiment, wearable device 100 can be come real by the way that esim card (Embedded-SIM) is arranged
Existing communication network is now accessed, by the way of esim card, the inner space of wearable device can be saved, reduce thickness.
It is understood that although Fig. 1 shows radio frequency unit 101, but it is understood that, radio frequency unit 101 its
And it is not belonging to must be configured into for wearable device, it can according to need within the scope of not changing the essence of the invention and save completely
Slightly., wearable device 100 can realize the communication connection with other equipment or communication network separately through wifi module 102,
The embodiment of the present invention is not limited thereto.
WiFi belongs to short range wireless transmission technology, and wearable device can help user to receive and dispatch by WiFi module 102
Email, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Fig. 1
WiFi module 102 is shown, but it is understood that, and it is not belonging to must be configured into for wearable device, it completely can root
It is omitted within the scope of not changing the essence of the invention according to needs.
Audio output unit 103 can be in call signal reception pattern, call mode, record in wearable device 100
When under the isotypes such as mode, speech recognition mode, broadcast reception mode, by radio frequency unit 101 or WiFi module 102 it is received or
The audio data that person stores in memory 109 is converted into audio signal and exports to be sound.Moreover, audio output unit
103 can also provide audio output relevant to the specific function that wearable device 100 executes (for example, call signal reception sound
Sound, message sink sound etc.).Audio output unit 103 may include loudspeaker, buzzer etc..
A/V input unit 104 is for receiving audio or video signal.A/V input unit 104 may include graphics processor
(Graphics Processing Unit, GPU) 1041 and microphone 1042, graphics processor 1041 is in video acquisition mode
Or the image data of the static images or video obtained in image capture mode by image capture apparatus (such as camera) carries out
Reason.Treated, and picture frame may be displayed on display unit 106.Through graphics processor 1041, treated that picture frame can be deposited
Storage is sent in memory 109 (or other storage mediums) or via radio frequency unit 101 or WiFi module 102.Mike
Wind 1042 can connect in telephone calling model, logging mode, speech recognition mode etc. operational mode via microphone 1042
Quiet down sound (audio data), and can be audio data by such acoustic processing.Audio that treated (voice) data can
To be converted to the format output that can be sent to mobile communication base station via radio frequency unit 101 in the case where telephone calling model.
Microphone 1042 can be implemented various types of noises elimination (or inhibition) algorithms and send and receive sound to eliminate (or inhibition)
The noise generated during frequency signal or interference.
In one embodiment, wearable device 100 includes one or more cameras, by opening camera,
It can be realized the capture to image, realize the functions such as take pictures, record a video, the position of camera, which can according to need, to be configured.
Wearable device 100 further includes at least one sensor 105, for example, optical sensor, motion sensor and other
Sensor.Specifically, optical sensor includes ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ring
The light and shade of border light adjusts the brightness of display panel 1061, proximity sensor can when wearable device 100 is moved in one's ear,
Close display panel 1061 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions
The size of (generally three axis) acceleration, can detect that size and the direction of gravity, can be used to identify mobile phone posture when static
It (for example pedometer, is struck using (such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function
Hit) etc..
In one embodiment, wearable device 100 further includes proximity sensor, can by using proximity sensor
Wearable device can be realized non-contact manipulation, provide more modes of operation.
In one embodiment, wearable device 100 further includes heart rate sensor, when wearing, by close to using
Person can be realized the detecting of heart rate.
In one embodiment, wearable device 100 can also include that fingerprint sensor can by reading fingerprint
Realize the functions such as safety verification.
Display unit 106 is for showing information input by user or being supplied to the information of user.Display unit 106 can wrap
Display panel 1061 is included, liquid crystal display (Liquid Crystal Display, LCD), Organic Light Emitting Diode can be used
Forms such as (Organic Light-Emitting Diode, OLED) configure display panel 1061.
In one embodiment, display panel 1061 uses flexible display screen, and wearable using flexible display screen sets
For when wearing, screen is able to carry out bending, to more be bonded.Optionally, the flexible display screen can use OLED screen
Body and graphene screen body, in other embodiments, the flexible display screen is also possible to other display materials, the present embodiment
It is not limited thereto.
In one embodiment, the display panel 1061 of wearable device can take rectangle, ring when convenient for wearing
Around.In other embodiments, other modes can also be taken.
User input unit 107 can be used for receiving the number or character information of input, and generate and wearable device
User setting and the related key signals input of function control.Specifically, user input unit 107 may include touch panel 1071
And other input equipments 1072.Touch panel 1071, also referred to as touch screen collect the touch behaviour of user on it or nearby
Make (for example user uses any suitable objects or attachment such as finger, stylus on touch panel 1071 or in touch panel
Operation near 1071), and corresponding attachment device is driven according to preset formula.Touch panel 1071 may include touching
Two parts of detection device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch behaviour
Make bring signal, transmits a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and
It is converted into contact coordinate, then gives processor 110, and order that processor 110 is sent can be received and executed.This
Outside, touch panel 1071 can be realized using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touching
Panel 1071 is controlled, user input unit 107 can also include other input equipments 1072.Specifically, other input equipments 1072
It can include but is not limited to physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operation
One of bar etc. is a variety of, specifically herein without limitation.
In one embodiment, one or more buttons have can be set in the side of wearable device 100.Button can be with
The various ways such as short-press, long-pressing, rotation are realized, to realize a variety of operating effects.The quantity of button can be different to be multiple
It can be applied in combination between button, realize a variety of operating functions.
Further, touch panel 1071 can cover display panel 1061, when touch panel 1071 detect on it or
After neighbouring touch operation, processor 110 is sent to determine the type of touch event, is followed by subsequent processing device 110 according to touch thing
The type of part provides corresponding visual output on display panel 1061.Although in Fig. 1, touch panel 1071 and display panel
1061 be the function that outputs and inputs of realizing wearable device as two independent components, but in certain embodiments,
Touch panel 1071 and display panel 1061 can be integrated and be realized the function that outputs and inputs of wearable device, specifically herein
Without limitation.For example, processor 110 can be controlled when receiving the message informing of a certain application program by radio frequency unit 101
The message informing show in a certain predeterminable area of display panel 1061 by system, the predeterminable area and touch panel 1071 certain
One region is corresponding, can be to corresponding to area on display panel 1061 by carrying out touch control operation to a certain region of touch panel 1071
The message informing shown in domain is controlled.
Interface unit 108 be used as at least one external device (ED) connect with wearable device 100 can by interface.Example
Such as, external device (ED) may include wired or wireless headphone port, external power supply (or battery charger) port, You Xianhuo
Wireless data communications port, memory card port, the port for connecting the device with identification module, audio input/output (I/O) end
Mouth, video i/o port, ear port etc..Interface unit 108 can be used for receiving the input from external device (ED) (for example, number
It is believed that breath, electric power etc.) and the input received is transferred to one or more elements in wearable device 100 or can
For transmitting data between wearable device 100 and external device (ED).
In one embodiment, wearable device 100 interface unit 108 using contact structure, by contact with
Corresponding other equipment connection, realizes the functions such as charging, connection.Use contact can be with waterproof.
Memory 109 can be used for storing software program and various data.Memory 109 can mainly include storing program area
The storage data area and, wherein storing program area can (such as the sound of application program needed for storage program area, at least one function
Sound playing function, image player function etc.) etc.；Storage data area can store according to mobile phone use created data (such as
Audio data, phone directory etc.) etc..In addition, memory 109 may include high-speed random access memory, it can also include non-easy
The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Processor 110 is the control centre of wearable device, utilizes various interfaces and the entire wearable device of connection
Various pieces, by running or execute the software program and/or module that are stored in memory 109, and call and be stored in
Data in memory 109 execute the various functions and processing data of wearable device, to carry out to wearable device whole
Monitoring.Processor 110 may include one or more processing units；Preferably, processor 110 can integrate application processor and modulation
Demodulation processor, wherein the main processing operation system of application processor, user interface and application program etc., modulation /demodulation processing
Device mainly handles wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 110.
Wearable device 100 can also include the power supply 111 (such as battery) powered to all parts, it is preferred that power supply
111 can be logically contiguous by power-supply management system and processor 110, thus charged by power-supply management system realization management,
The functions such as electric discharge and power managed.
Although Fig. 1 is not shown, wearable device 100 can also be including bluetooth module etc., and details are not described herein.It is wearable to set
Standby 100, by bluetooth, can connect with other terminal devices, realize communication and the interaction of information.
Fig. 2-Fig. 4 is please referred to, is the structure under a kind of a kind of embodiment of wearable device provided in an embodiment of the present invention
Schematic diagram.Wearable device in the embodiment of the present invention, including flexible screen.In wearable device expansion, flexible screen is in
Strip；When wearable device is in wearing state, flexible screen bending is annular in shape.Fig. 2 and Fig. 3 show wearable device
Structural schematic diagram when screen is unfolded, Fig. 4 show structural schematic diagram when wearable device screen-bending.
Based on above-mentioned each embodiment, it can be seen that if the equipment is wrist-watch, bracelet or wearable device
When, the screen of the equipment can not overlay device watchband region, can also be with the watchband region of overlay device.Here, this Shen
It please propose a kind of optional embodiment, in the present embodiment, the equipment for wrist-watch, bracelet or wearable can be set
Standby, the equipment includes screen and interconnecting piece.The screen can be flexible screen, and the interconnecting piece can be watchband.It can
Choosing, the screen of the equipment or the viewing area of screen can be partly or completely covered on the watchband of equipment.Such as Fig. 5
Shown, Fig. 5 is a kind of a kind of hardware schematic of embodiment of wearable device provided by the embodiments of the present application, the equipment
Screen extends to two sides, and part is covered on the watchband of equipment.In other embodiments, the screen of the equipment can also be with
It is all covered on the watchband of the equipment, the embodiment of the present application is not limited thereto.
Fig. 6 is the implementation flow chart of financial security guard method of the present invention, and the method can applied to as shown above
Wearable device, there are many banking softwares, such as various Bank applications, Alipay, wechat etc. for installation on the wearable device.?
In present embodiment, the wearable device is preferably smartwatch, specifically, described method includes following steps.
In step S600, monitor whether user has initiated financial payment behavior.
In the present embodiment, whether monitoring user has initiated financial payment behavior and has mainly monitored whether user passes through
The wearable device has initiated financial payment behavior, wherein the generation of specific monitoring financial payment behavior mainly passes through monitoring
The calling situation of the api interface of corresponding financial application judges whether wearable device has occurred finance in wearable device system
Payment behavior.
In other embodiments, wearable device can be connected to the network with other intelligent terminals, such as intelligent hand
Data on such intelligent terminal can be synchronized to wearable set by being connected with such intelligent terminal by machine, tablet computer etc.
It is standby, therefore work as the financial payment data that the data that wearable device is synchronized to include other intelligent terminals, then just monitor user
Financial payment behavior is initiated.
Judge whether the financial payment behavior triggers warning if user initiates financial payment behavior in step S602
Condition.
In the present embodiment, the Alert condition is the payment amount in banking operation, for example 10,000 yuan of RMB whole,
In addition, above-mentioned Alert condition can also be realized by the white list of user, i.e., above-mentioned Alert condition be in banking operation not with
Collecting account in the white list of family.Specifically, after i.e. user has initiated financial payment behavior, it can be determined that financial payment behavior
In payment amount whether reached the collecting account in a Wan Yuan or payment behavior whether in the white list of user, such as
The above-mentioned payment amount of fruit has reached a Wan Yuan, and collecting account is in the white list of user, then at above-mentioned financial payment behavior
Alert condition is penalized.
In step S604, if financial payment behavior triggers Alert condition, the physiological characteristic data of the user is obtained；
In the present embodiment, the physiological characteristic data includes any one of heart rate and humidity of skin combination.And
Above-mentioned heart rate or humidity of skin can be obtained by heart rate sensor or humidity sensor.When user is strong in being seized on both sides by the arms
In the case of compeling, the heart rate or humidity of skin of human body can generate obvious variation, and pass through the variation of these physiological characteristics,
It can be determined that the stressful situation of active user.
In step S606, judge whether the physiological characteristic data of the user meets default physiological characteristic data；
In the present embodiment, judge whether the physiological characteristic data of the user meets default physiological characteristic data,
In preset physiological characteristic data be a range intervals value, when user's physiological characteristic data of acquisition falls into this range intervals
Value then illustrates that user is now in state at full stretch, and combines financial payment scene at this time, then has reason very much to estimate
User is in the scene seized on both sides by the arms or forced at this time.
In step S608, if the physiological characteristic data of user meets default physiological characteristic data, records and currently initiate
The behavioral data of financial payment behavior, and upload the behavioral data to cloud and save.
In the present embodiment, once the physiological characteristic data of user has met preset physiological characteristic data, illustrate this
When user be in dangerous environment, then the behavioral data currently paid by interception, such as payment amount, time of payment hand over
Easy account etc., and after such behavioral data is uploaded to cloud preservation, the convenient acquisition for carrying out evidence in the future.
In addition, in other embodiments, when the behavioral data for the financial payment behavior that record is currently initiated, by can
The camera of wearable device obtains the ambient image under current payment environment, and ambient image is uploaded to cloud, in this way, then again
Provide a kind of screen on the scene or image evidence.
By implementing above-mentioned financial security guard method so that user using wearable device or other intelligent terminals into
When row financial payment, the safety of its payment and the trackability of property loss are increased.
Fig. 7 be wearable device functional block diagram, including monitoring modular 700, judgment module 702, obtain module 704,
Logging modle 706, above procedure module is stored in memory 708 with program code actually, and is held by processor 710
Row, the step of to realize above-described embodiment or method.
Monitoring modular 700 is for monitoring whether user has initiated financial payment behavior.
In the present embodiment, whether monitoring user has initiated financial payment behavior and has mainly monitored whether user passes through
The wearable device has initiated financial payment behavior, wherein the generation of specific monitoring financial payment behavior mainly passes through monitoring
The calling situation of the api interface of corresponding financial application judges whether wearable device has occurred finance in wearable device system
Payment behavior.
In other embodiments, wearable device can be connected to the network with other intelligent terminals, such as intelligent hand
Data on such intelligent terminal can be synchronized to wearable set by being connected with such intelligent terminal by machine, tablet computer etc.
It is standby, therefore work as the financial payment data that the data that wearable device is synchronized to include other intelligent terminals, then just monitor user
Financial payment behavior is initiated.
Judgment module 702 is used to initiate financial payment behavior in user, judges whether the financial payment behavior triggers police
Dharma part.
In the present embodiment, the Alert condition is the payment amount in banking operation, for example 10,000 yuan of RMB whole,
In addition, above-mentioned Alert condition can also be realized by the white list of user, i.e., above-mentioned Alert condition be in banking operation not with
Collecting account in the white list of family.Specifically, after i.e. user has initiated financial payment behavior, it can be determined that financial payment behavior
In payment amount whether reached the collecting account in a Wan Yuan or payment behavior whether in the white list of user, such as
The above-mentioned payment amount of fruit has reached a Wan Yuan, and collecting account is in the white list of user, then at above-mentioned financial payment behavior
Alert condition is penalized.
It obtains module 704 to be used to trigger Alert condition in financial payment behavior, then obtains the physiological characteristic of the user
Data；
In the present embodiment, the physiological characteristic data includes any one of heart rate and humidity of skin combination.And
Above-mentioned heart rate or humidity of skin can be obtained by heart rate sensor or humidity sensor.When user is strong in being seized on both sides by the arms
In the case of compeling, the heart rate or humidity of skin of human body can generate obvious variation, and pass through the variation of these physiological characteristics,
It can be determined that the stressful situation of active user.
Judgment module 702 is also used to judge whether the physiological characteristic data of the user meets default physiological characteristic data；
In the present embodiment, judge whether the physiological characteristic data of the user meets default physiological characteristic data,
In preset physiological characteristic data be a range intervals value, when user's physiological characteristic data of acquisition falls into this range intervals
Value then illustrates that user is now in state at full stretch, and combines financial payment scene at this time, then has reason very much to estimate
User is in the scene seized on both sides by the arms or forced at this time.
Logging modle 706 is used to meet default physiological characteristic data in the physiological characteristic data of user, records current initiate
Financial payment behavior behavioral data, and upload the behavioral data to cloud save.
In the present embodiment, once the physiological characteristic data of user has met preset physiological characteristic data, illustrate this
When user be in dangerous environment, then the behavioral data currently paid by interception, such as payment amount, time of payment hand over
Easy account etc., and after such behavioral data is uploaded to cloud preservation, the convenient acquisition for carrying out evidence in the future.
In addition, in other embodiments, when the behavioral data for the financial payment behavior that record is currently initiated, by can
The camera of wearable device obtains the ambient image under current payment environment, and ambient image is uploaded to cloud, in this way, then again
Provide a kind of screen on the scene or image evidence.
By implementing above-mentioned financial security guard method so that user using wearable device or other intelligent terminals into
When row financial payment, the safety of its payment and the trackability of property loss are increased.
Fig. 8 is wearable device composed structure schematic diagram of the present invention.As shown in figure 8, the wearable device includes at least:
Memory 801, communication bus 802 and processor 803.Wherein:
The memory 801 is used for financial security protective program；
The communication bus 802, for realizing the connection communication between processor and memory；
The processor 803, for executing the financial security protective program stored in memory, to perform the steps of
Whether monitoring user has initiated financial payment behavior.
In the present embodiment, whether monitoring user has initiated financial payment behavior and has mainly monitored whether user passes through
The wearable device has initiated financial payment behavior, wherein the generation of specific monitoring financial payment behavior mainly passes through monitoring
The calling situation of the api interface of corresponding financial application judges whether wearable device has occurred finance in wearable device system
Payment behavior.
In other embodiments, wearable device can be connected to the network with other intelligent terminals, such as intelligent hand
Data on such intelligent terminal can be synchronized to wearable set by being connected with such intelligent terminal by machine, tablet computer etc.
It is standby, therefore work as the financial payment data that the data that wearable device is synchronized to include other intelligent terminals, then just monitor user
Financial payment behavior is initiated.
If user initiates financial payment behavior, judge whether the financial payment behavior triggers Alert condition.
In the present embodiment, the Alert condition is the payment amount in banking operation, for example 10,000 yuan of RMB whole,
In addition, above-mentioned Alert condition can also be realized by the white list of user, i.e., above-mentioned Alert condition be in banking operation not with
Collecting account in the white list of family.Specifically, after i.e. user has initiated financial payment behavior, it can be determined that financial payment behavior
In payment amount whether reached the collecting account in a Wan Yuan or payment behavior whether in the white list of user, such as
The above-mentioned payment amount of fruit has reached a Wan Yuan, and collecting account is in the white list of user, then at above-mentioned financial payment behavior
Alert condition is penalized.
If financial payment behavior triggers Alert condition, the physiological characteristic data of the user is obtained；
In the present embodiment, the physiological characteristic data includes any one of heart rate and humidity of skin combination.And
Above-mentioned heart rate or humidity of skin can be obtained by heart rate sensor or humidity sensor.When user is strong in being seized on both sides by the arms
In the case of compeling, the heart rate or humidity of skin of human body can generate obvious variation, and pass through the variation of these physiological characteristics,
It can be determined that the stressful situation of active user.
Judge whether the physiological characteristic data of the user meets default physiological characteristic data；
In the present embodiment, judge whether the physiological characteristic data of the user meets default physiological characteristic data,
In preset physiological characteristic data be a range intervals value, when user's physiological characteristic data of acquisition falls into this range intervals
Value then illustrates that user is now in state at full stretch, and combines financial payment scene at this time, then has reason very much to estimate
User is in the scene seized on both sides by the arms or forced at this time.
If the physiological characteristic data of user meets default physiological characteristic data, the financial payment behavior currently initiated is recorded
Behavioral data, and upload the behavioral data to cloud save.
In the present embodiment, once the physiological characteristic data of user has met preset physiological characteristic data, illustrate this
When user be in dangerous environment, then the behavioral data currently paid by interception, such as payment amount, time of payment hand over
Easy account etc., and after such behavioral data is uploaded to cloud preservation, the convenient acquisition for carrying out evidence in the future.
In addition, in other embodiments, when the behavioral data for the financial payment behavior that record is currently initiated, by can
The camera of wearable device obtains the ambient image under current payment environment, and ambient image is uploaded to cloud, in this way, then again
Provide a kind of screen on the scene or image evidence.
By implementing above-mentioned financial security guard method so that user using wearable device or other intelligent terminals into
When row financial payment, the safety of its payment and the trackability of property loss are increased.
The present invention also provides a kind of storage mediums, are a kind of computer readable storage medium.It is described computer-readable to deposit
It is stored with financial security protective program on storage media, is realized when the financial security protective program is executed by processor as described above
Step.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a non-volatile computer and can be read
In storage medium, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, provided herein
Each embodiment used in any reference to memory, storage, database or other media, may each comprise non-volatile
And/or volatile memory.Nonvolatile memory may include that read-only memory (ROM), programming ROM (PROM), electricity can be compiled
Journey ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include random access memory
(RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms, such as static state RAM
(SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhanced SDRAM
(ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) directly RAM (RDRAM), straight
Connect memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to its of the application
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the application, these modifications, purposes or
Person's adaptive change follows the general principle of the application and including the undocumented common knowledge in the art of the application
Or conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the application are by following
Claim is pointed out.
It should be understood that the application is not limited to the precise structure that has been described above and shown in the drawings, and
And various modifications and changes may be made without departing from the scope thereof.Scope of the present application is only limited by the accompanying claims.
Claims (10)
1. a kind of financial security guard method is applied to wearable device, which is characterized in that the described method includes:
Whether monitoring user has initiated financial payment behavior；
If so, judging whether the financial payment behavior triggers Alert condition；
If so, obtaining the physiological characteristic data of the user；
Judge whether the physiological characteristic data of the user meets default physiological characteristic data；
If meeting, the behavioral data for the financial payment behavior currently initiated is recorded, and uploads the behavioral data to cloud
End.
2. financial security guard method as described in claim 1, which is characterized in that whether the monitoring user has initiated finance
The step of payment behavior, specifically includes:
Monitor whether the user by the wearable device has initiated financial payment behavior.
3. financial security guard method as described in claim 1, which is characterized in that the wearable device connects the user
Smart phone, and share the data of the smart phone.
4. financial security guard method as claimed in claim 3, which is characterized in that whether the monitoring user has initiated finance
The step of payment behavior, specifically includes:
Judge whether user by the smart phone has initiated financial payment behavior by the wearable device.
5. financial security guard method as described in claim 1, which is characterized in that the Alert condition is in banking operation
Payment amount.
6. financial security guard method as described in claim 1, which is characterized in that the Alert condition is in banking operation
The not collecting account in user's white list.
7. financial security guard method as described in claim 1, which is characterized in that the physiological characteristic data include heart rate and
Any one of humidity of skin combination.
8. financial security guard method as described in claim 1, which is characterized in that the method also includes:
In the behavioral data for the financial payment behavior that record is currently initiated, obtained by the camera of the wearable device
The ambient image under current payment environment is taken, and the ambient image is uploaded to the cloud.
9. a kind of wearable device, which is characterized in that the wearable device is at least further include: memory, communication bus and place
Manage device, in which:
The memory, for storing financial security protective program；
The communication bus, for realizing the connection communication between processor and memory；
The processor, for executing the financial security protective program stored in memory, to realize such as claim 1 to 8 institute
The step of financial security guard method stated.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer in the computer readable storage medium
Program, wherein the computer program is arranged to execute method described in any one of claim 1 to 8 when operation.
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| CN201910455913.5A CN110210851A (en) | 2019-05-29 | 2019-05-29 | Financial security guard method, wearable device and computer readable storage medium |
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|---|---|---|---|---|
| CN110807882A (en) * | 2019-11-11 | 2020-02-18 | 耿悦 | Wearable financial security intelligent payment equipment |
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