CN110210864B - Payment processing method and system - Google Patents

Payment processing method and system Download PDF

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Publication number
CN110210864B
CN110210864B CN201910510517.8A CN201910510517A CN110210864B CN 110210864 B CN110210864 B CN 110210864B CN 201910510517 A CN201910510517 A CN 201910510517A CN 110210864 B CN110210864 B CN 110210864B
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Prior art keywords
payment
information
server
mobile terminal
terminal
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CN110210864A (en
Inventor
余晨
王斌
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Guangdong Microcloud Technology Inc
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Shenzhen Yonglian Gongjian Information Technology Co ltd
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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The embodiment of the application provides a payment processing method and system. The intelligent wearable terminal sends payment safety early warning information to the server when detecting that the communication state between the intelligent wearable terminal and the mobile terminal is changed from a connection state to a disconnection state, then the server obtains second track information of the mobile terminal in a preset time period, and the matching degree between the first track information and the second track information is calculated. If the matching degree is lower than a preset threshold value, sending payment processing alarm information to the mobile terminal, then prompting the user to answer at least one preset safety verification question when the mobile terminal detects the payment operation initiated by the user, changing the payment state into a lock-up state when detecting that any preset safety verification question is not answered correctly, sending terminal loss report information to the server, and sending a loss report to the intelligent wearable terminal by the server at the moment. Therefore, the safety of mobile payment can be improved, and property loss caused by loss of the mobile terminal is avoided.

Description

Payment processing method and system
Technical Field
The application relates to the technical field of payment, in particular to a payment processing method and system.
Background
As a payment means, mobile payment is more and more pursued by more and more consumers due to convenience and rapidness, the largest carrier of mobile payment technology is a smart phone, and the number of potential users of mobile payment is considerable along with rapid popularization of the smart phone at present. However, with the rapid development of mobile payment, the security problem of mobile payment is more and more prominent, and especially the loss of a smart phone, which is a carrier of mobile payment, will bring a very serious threat to the security of mobile payment. Therefore, how to solve the security problem of mobile payment is a technical problem that those skilled in the art are in urgent need to solve.
Disclosure of Invention
In order to overcome the above defects in the prior art, the present application aims to provide a payment processing method and system, which can improve the security of mobile payment and avoid property loss caused by loss of a mobile terminal.
In order to achieve the above purpose, the embodiments of the present application employ the following technical solutions:
in a first aspect, an embodiment of the present application provides a payment processing method, which is applied to a payment processing system, where the payment processing system includes a mobile terminal, an intelligent wearable terminal, and a server, which are in communication connection with each other, and the method includes:
the intelligent wearable terminal detects a communication state with the mobile terminal;
when the communication state is detected to be changed from a connection state to a disconnection state, sending payment safety early warning information to the server, wherein the payment safety early warning information comprises first track information of the intelligent wearable terminal in a preset time period;
after receiving the payment safety early warning information, the server acquires second track information of the mobile terminal in the preset time period, and calculates the matching degree between the first track information and the second track information;
if the matching degree is lower than a preset threshold value, sending payment processing alarm information to the mobile terminal;
the mobile terminal receives the payment processing alarm information, prompts the user to answer at least one preset safety verification question when detecting the payment operation initiated by the user, and detects whether each preset safety verification question is answered correctly;
when any one preset safety verification question is detected to be not answered correctly, changing the payment state into a locking state, and sending terminal loss report information to the server;
and the server sends a loss report to the intelligent wearable terminal after receiving the terminal loss report information, wherein the loss report comprises loss time, loss position and track information of the lost mobile terminal.
Optionally, after the step of detecting whether each preset security verification question is answered correctly, the method further includes:
the mobile terminal sends payment information corresponding to the payment operation to the server after detecting that each preset safety verification question is correctly answered;
the server forwards the payment information to the intelligent wearable terminal;
the intelligent wearable terminal prompts a user wearing the intelligent wearable terminal to confirm the payment information after receiving the payment information;
after receiving the confirmation operation of the user on the payment information, acquiring the physiological data of the user and sending the physiological data of the user to the server;
the server matches the physiological data with physiological data in a pre-stored physiological database after receiving the physiological data, and forwards payment confirmation information to the mobile terminal after the physiological data is matched;
and the mobile terminal passes the payment operation after receiving the payment confirmation information.
Optionally, before the step of changing the payment status to the deadlock status and sending the terminal loss report information to the server, the method further includes:
and the mobile terminal locks all currently used SIM cards.
Optionally, the step of sending payment security warning information to the server when detecting that the communication state is changed from the connection state to the disconnection state includes:
detecting a duration of time during which the communication state is changed from a connected state to a disconnected state;
and when detecting that the duration of the communication state changed from the connection state to the disconnection state is longer than the preset time, sending payment safety early warning information to the server.
Optionally, after the step of sending a loss report to the smart wearable terminal by the server after receiving the terminal loss report information, the method further includes:
and the intelligent wearable terminal sends out an alarm prompt signal to prompt a user wearing the intelligent wearable terminal and displays the loss report.
In a second aspect, an embodiment of the present application further provides a payment processing system, which is applied to a payment processing system, where the payment processing system includes a mobile terminal, an intelligent wearable terminal, and a server, which are in communication connection with each other;
the intelligent wearable terminal is used for detecting a communication state between the intelligent wearable terminal and the mobile terminal, and sending payment safety early warning information to the server when the communication state is detected to be changed from a connection state to a disconnection state, wherein the payment safety early warning information comprises first track information of the intelligent wearable terminal in a preset time period;
the server is used for acquiring second track information of the mobile terminal in the preset time period after receiving the payment safety early warning information, calculating the matching degree between the first track information and the second track information, and sending payment processing warning information to the mobile terminal if the matching degree is lower than a preset threshold value;
the mobile terminal is used for receiving the payment processing alarm information, prompting the user to answer at least one preset safety verification question when detecting the payment operation initiated by the user, detecting whether each preset safety verification question is answered correctly or not, changing the payment state into a lock state when detecting that any one preset safety verification question is not answered correctly, and sending terminal loss report information to the server;
and the server is used for sending a loss report to the intelligent wearable terminal after receiving the terminal loss report information, wherein the loss report comprises loss time, loss position and track information of the lost mobile terminal.
Compared with the prior art, the method has the following beneficial effects:
the embodiment of the application provides a payment processing method and system. The intelligent wearable terminal sends payment safety early warning information to the server when detecting that the communication state between the intelligent wearable terminal and the mobile terminal is changed from a connection state to a disconnection state, then the server obtains second track information of the mobile terminal in a preset time period, and the matching degree between the first track information and the second track information is calculated. If the matching degree is lower than a preset threshold value, sending payment processing alarm information to the mobile terminal, then prompting the user to answer at least one preset safety verification question when the mobile terminal detects the payment operation initiated by the user, changing the payment state into a lock-up state when detecting that any preset safety verification question is not answered correctly, sending terminal loss report information to the server, and sending a loss report to the intelligent wearable terminal by the server at the moment. Therefore, the safety of mobile payment can be improved, and property loss caused by loss of the mobile terminal is avoided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and it will be apparent to those skilled in the art that other related drawings can be obtained from the drawings without inventive effort.
FIG. 1 is an interaction diagram of a payment processing system provided in an embodiment of the present application;
fig. 2 is a schematic flowchart of a payment processing method according to an embodiment of the present application;
fig. 3 is a flowchart illustrating each sub-step included in step S120 shown in fig. 2.
Icon: 10-a payment processing system; 100-intelligent wearable terminal; 200-a mobile terminal; 300-server.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
Referring to fig. 1, an interaction diagram of a payment processing system 10 according to an embodiment of the present application is provided, where the payment processing system 10 includes a mobile terminal 200, an intelligent wearable terminal 100, and a server 300 that are communicatively connected to each other.
In this embodiment, the smart wearable terminal 100 may be provided in plurality, and respectively disposed on each target portion (e.g., wrist, leg, etc.) of the human body for acquiring physiological data of the corresponding target portion and interacting with the mobile terminal 200. In order to facilitate connection with the limbs, the smart wearable terminal 100 may be a smart band having watchbands on two sides thereof, so as to fix the smart wearable terminal to the target portion. In addition, a positioning module may be further disposed in the intelligent wearable terminal 100, so as to obtain track information of the user.
In this embodiment, the mobile terminal 200 may transmit or receive signals through a wired or wireless network, or may process or store the signals in a physical storage state such as a memory. Each mobile terminal 200 may be an electronic device including hardware, software, or embedded logic elements, or a combination of two or more such elements, and capable of performing the appropriate functions implemented or supported by the mobile terminal 200. Alternatively, the mobile terminal 200 may be a device with a wireless transceiving function, including an indoor or outdoor, handheld, wearable, or vehicle-mounted device. For example, the mobile terminal 200 may be a mobile phone (mobile phone), a tablet computer (Pad), or the like. The embodiments of the present application do not limit the application scenarios.
According to some embodiments of the application, the mobile terminal 200 may comprise: a processing device including an application processing section and a radio frequency/digital signal processor; a display screen; a keypad that may include physical keys, touch keys overlaid on a display, or a combination thereof; a subscriber identity module card; memory devices that may include ROM, RAM, flash memory, or any combination thereof; a Wi-Fi and/or Bluetooth interface; a wireless telephone interface; a power management circuit with an associated battery; a USB interface and a connector; an audio management system with associated microphone, speaker and headphone jack; and various optional accessory components such as cameras, global positioning systems, accelerators, etc. In addition, various client applications may be installed on the mobile terminal 200 that may be used to allow the mobile terminal 200 to be used to communicate commands appropriate for operation with other devices. Such applications may be downloaded from server 300 and installed into the memory of mobile terminal 200, or may have been previously installed on mobile terminal 200.
In the claimed embodiment, the server 300 should be understood as a service point providing processes, libraries, communication facilities. By way of example, server 300 may refer to a single physical processor with associated communication and data storage and library facilities, or it may refer to a networked or clustered collection of processors, associated networks, and storage devices, and operates on software and one or more library systems and application software that support the services provided by server 300. The servers 300 may vary widely in configuration or performance, but the servers 300 may generally include one or more central processing units and memory units. The Server 300 may also include one or more large storage devices, one or more power supplies, one or more wired or wireless network components, one or more input/output components, or one or more operating systems, such as Windows Server, Mac OS X, Unix, Linux, FreeBSD.
Referring to fig. 2, a schematic flow chart of a payment processing method according to an embodiment of the present application is shown, where the method is executed by the payment processing system 10 shown in fig. 1. It should be noted that the payment processing method provided in the embodiment of the present application is not limited by the specific sequence described in fig. 2 and below. The method comprises the following specific steps:
in step S110, the smart wearable terminal 100 detects a communication state with the mobile terminal 200.
Step S120, when it is detected that the communication state is changed from the connection state to the disconnection state, sending payment security early warning information to the server 300.
In detail, as an embodiment, please refer to fig. 3 in combination, the step S110 can be implemented by the following sub-steps:
substep S121 detects a duration of time during which the communication state is changed from the connected state to the disconnected state.
In this embodiment, the intelligent wearable terminal 100 may establish a communication connection with the mobile terminal 200 through NFC, and when the intelligent wearable terminal 100 is in a communication state with the mobile terminal 200, the intelligent wearable terminal 100 implements detection of a duration time during which the communication state is changed from a connection state to a disconnection state. Wherein, when the smart wearable terminal 100 is spaced apart from the mobile terminal 200 by a distance exceeding the NFC communicable distance, the connection state between the smart wearable terminal 100 and the mobile terminal 200 is disconnected.
And a substep S122, sending payment safety warning information to the server 300 when detecting that the duration of the communication state changed from the connection state to the disconnection state is longer than a preset time.
In this embodiment, since the smart wearable terminal 100 is generally fixed to each target portion of the user and is not easily lost, if the smart wearable terminal 100 detects that the duration of the communication state changing from the connection state to the disconnection state is longer than a preset time (for example, 1 minute), it may indicate that the mobile terminal 200 is possibly lost. At this time, payment security pre-warning information is sent to the server 300, where the payment security pre-warning information may include first trajectory information of the intelligent wearable terminal 100 in a preset time period. The preset time period may be understood as a time period of a certain duration after the intelligent wearable terminal 100 detects that the communication state with the mobile terminal 200 is disconnected, and may be set, for example, to be 1 hour, if the time when the intelligent wearable terminal 100 detects that the communication state with the mobile terminal 200 is disconnected is 12:00, the intelligent wearable terminal 100 performs the following steps according to 12: 00-13: 00, sending payment safety early warning information to the server 300 according to the detected first track information.
In step S130, after receiving the payment security early warning information, the server 300 obtains second track information of the mobile terminal 200 in the preset time period, and calculates a matching degree between the first track information and the second track information.
In this embodiment, after receiving the payment security early warning information, the server 300 sends a trajectory tracking request to the mobile terminal 200, obtains second trajectory information of the mobile terminal 200 in the preset time period in real time, and then calculates a matching degree between the first trajectory information and the second trajectory information.
Step S140, if the matching degree is lower than a preset threshold, sending payment processing alarm information to the mobile terminal 200.
In this embodiment, the preset threshold may be preset, for example, may be set to 90%, that is, if the matching degree is lower than 90%, the payment processing alarm information is sent to the mobile terminal 200.
Step S150, the mobile terminal 200 receives the payment processing alarm information, and when detecting a payment operation initiated by a user, prompts the user to answer at least one preset security verification question, and detects whether each preset security verification question is answered correctly.
In this embodiment, after receiving the payment processing warning information, the mobile terminal 200 starts a payment detection mode, that is, detects whether the user initiates a payment operation in real time, for example, detects whether the user initiates a code scanning function, a payment function, a transfer function, and the like of mobile payment software (such as a pay pal, a wechat, a hundred-degree wallet, and the like), and prompts the user to answer at least one preset security verification question if the payment operation initiated by the user is detected, and detects whether each preset security verification question is answered correctly.
In this embodiment, the preset security verification questions may be preset by a user and uploaded to the server 300, and in actual implementation, at least one preset security verification question may be obtained from the server 300, for example, 10 preset security verification questions are stored in the server 300, if the user sets that 5 preset security verification questions are obtained each time, 5 preset security verification questions are randomly obtained from the server 300 each time, the user is prompted to answer the 5 preset security verification questions, and whether the 5 preset security verification questions are answered correctly is detected.
Step S160, when detecting that any one of the preset security verification questions is not answered correctly, changing the payment state to a deadlock state, and sending a terminal loss report message to the server 300.
In this embodiment, when detecting that any one of the preset security verification questions is not answered correctly, the mobile terminal 200 indicates that the payment operation is a suspicious operation, and at this time, immediately changes the payment state to a deadlock state, and sends a terminal loss report message to the server 300.
The locked state may be understood as a stop operation of the payment operation, for example, when the user initiates a code scanning operation of the payment device, the code scanning operation is forced to exit at this time. Therefore, the security of mobile payment can be improved, and property loss caused by loss of the mobile terminal 200 can be avoided.
Further, the mobile terminal 200 may also lock all currently used SIM cards at the same time, that is, other users may insert the SIM cards used in the mobile terminal 200 into other terminals in time, and may not use the functions of the SIM cards, so as to prevent other users from modifying the payment password by using the SIM cards.
In addition, in this embodiment, as an implementation manner, after detecting that each preset security verification question is answered correctly, the mobile terminal 200 sends payment information corresponding to the payment operation to the server 300, the server 300 forwards the payment information to the smart wearable terminal 100, after receiving the payment information, prompts a user wearing the smart wearable terminal 100 to confirm the payment information, after receiving the confirmation operation of the user on the payment information, obtains physiological data of the user, and sends the physiological data of the user to the server 300, after receiving the physiological data, matches the physiological data with physiological data in a pre-stored physiological database, and forwards the payment confirmation information to the mobile terminal 200 after the matching is passed, the mobile terminal 200 passes the payment operation after receiving the payment confirmation information.
In this embodiment, the physiological data may be physiological characteristic data of the user, and generally, the physiological data of the user does not change greatly in a short time, so that when the intelligent wearable terminal 100 receives the payment information and prompts the user wearing the intelligent wearable terminal 100 to confirm the payment information, the physiological data of the user, such as body fat data, water content, visceral fat and other data, needs to be compared, and then the data is sent to the server 300, the server 300 matches the physiological data with the physiological data in the pre-stored physiological database, and forwards the payment confirmation information to the mobile terminal 200 after the matching is passed, and the mobile terminal 200 passes the payment operation after receiving the payment confirmation information. Thus, the safety in the payment process can be improved.
In step S170, the server 300 sends a loss report to the smart wearable terminal 100 after receiving the terminal loss report information.
In this embodiment, the loss report may include loss time, a loss position, and trajectory information of the lost mobile terminal 200, and when the intelligent wearable terminal 100 receives the loss report, the intelligent wearable terminal 100 sends an alarm prompt signal to prompt a user wearing the intelligent wearable terminal 100, and displays the loss report.
In summary, the embodiments of the present application provide a payment processing method and system. The intelligent wearable terminal sends payment safety early warning information to the server when detecting that the communication state between the intelligent wearable terminal and the mobile terminal is changed from a connection state to a disconnection state, then the server obtains second track information of the mobile terminal in a preset time period, and the matching degree between the first track information and the second track information is calculated. If the matching degree is lower than a preset threshold value, sending payment processing alarm information to the mobile terminal, then prompting the user to answer at least one preset safety verification question when the mobile terminal detects the payment operation initiated by the user, changing the payment state into a lock-up state when detecting that any preset safety verification question is not answered correctly, sending terminal loss report information to the server, and sending a loss report to the intelligent wearable terminal by the server at the moment. Therefore, the safety of mobile payment can be improved, and property loss caused by loss of the mobile terminal is avoided.
In the embodiments provided in the present application, it should be understood that the disclosed system and method may be implemented in other ways. The above-described system and method embodiments are merely illustrative, for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
Alternatively, all or part of the implementation may be in software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the application to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website site, computer, server, or data center to another website site, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
It will be evident to those skilled in the art that the present application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.

Claims (2)

1. The payment processing method is applied to a payment processing system, wherein the payment processing system comprises a mobile terminal, an intelligent wearable terminal and a server which are in communication connection with each other, and the method comprises the following steps:
the intelligent wearable terminal detects a communication state with the mobile terminal;
when the communication state is detected to be changed from a connection state to a disconnection state, sending payment safety early warning information to the server, wherein the payment safety early warning information comprises first track information of the intelligent wearable terminal in a preset time period;
after receiving the payment safety early warning information, the server acquires second track information of the mobile terminal in the preset time period, and calculates the matching degree between the first track information and the second track information;
if the matching degree is lower than a preset threshold value, sending payment processing alarm information to the mobile terminal;
the mobile terminal receives the payment processing alarm information, prompts the user to answer at least one preset safety verification question when detecting the payment operation initiated by the user, and detects whether each preset safety verification question is answered correctly;
when any one preset safety verification question is detected to be not answered correctly, changing the payment state into a locking state, and sending terminal loss report information to the server;
the server sends a loss report to the intelligent wearable terminal after receiving the terminal loss report information, wherein the loss report comprises loss time, loss position and track information of the lost mobile terminal;
after the step of detecting whether each preset security verification question is answered correctly, the method further comprises:
the mobile terminal sends payment information corresponding to the payment operation to the server after detecting that each preset safety verification question is correctly answered;
the server forwards the payment information to the intelligent wearable terminal; the intelligent wearable terminal prompts a user wearing the intelligent wearable terminal to confirm the payment information after receiving the payment information;
after receiving the confirmation operation of the user on the payment information, acquiring the physiological data of the user and sending the physiological data of the user to the server;
the server matches the physiological data with physiological data in a pre-stored physiological database after receiving the physiological data, and forwards payment confirmation information to the mobile terminal after the physiological data is matched;
the mobile terminal passes the payment operation after receiving the payment confirmation information;
before the step of changing the payment status to the deadlock status and sending the terminal loss report information to the server, the method further includes:
the mobile terminal locks all currently used SIM cards;
when the communication state is detected to be changed from the connection state to the disconnection state, the step of sending payment safety early warning information to the server comprises the following steps:
detecting a duration of time during which the communication state is changed from a connected state to a disconnected state;
when the fact that the duration time of the communication state changed from the connection state to the disconnection state is longer than the preset time is detected, sending payment safety early warning information to the server;
after the step of sending a loss report to the intelligent wearable terminal after the server receives the terminal loss report information, the method further includes:
and the intelligent wearable terminal sends out an alarm prompt signal to prompt a user wearing the intelligent wearable terminal and displays the loss report.
2. The payment processing system is characterized by being applied to a payment processing system, wherein the payment processing system comprises a mobile terminal, an intelligent wearable terminal and a server which are in communication connection with each other;
the intelligent wearable terminal is used for detecting a communication state between the intelligent wearable terminal and the mobile terminal, and sending payment safety early warning information to the server when the communication state is detected to be changed from a connection state to a disconnection state, wherein the payment safety early warning information comprises first track information of the intelligent wearable terminal in a preset time period;
the server is used for acquiring second track information of the mobile terminal in the preset time period after receiving the payment safety early warning information, calculating the matching degree between the first track information and the second track information, and sending payment processing warning information to the mobile terminal if the matching degree is lower than a preset threshold value;
the mobile terminal is used for receiving the payment processing alarm information, prompting the user to answer at least one preset safety verification question when detecting the payment operation initiated by the user, detecting whether each preset safety verification question is answered correctly or not, changing the payment state into a lock state when detecting that any one preset safety verification question is not answered correctly, and sending terminal loss report information to the server;
the server is used for sending a loss report to the intelligent wearable terminal after receiving the terminal loss report information, wherein the loss report comprises loss time, loss position and track information of the lost mobile terminal;
the mobile terminal is further used for sending payment information corresponding to the payment operation to the server after detecting that each preset safety verification question is correctly answered;
the server is further used for forwarding the payment information to the intelligent wearable terminal;
the intelligent wearable terminal is further used for prompting a user wearing the intelligent wearable terminal to confirm the payment information after receiving the payment information, acquiring physiological data of the user after receiving confirmation operation of the user on the payment information, and sending the physiological data of the user to the server;
the server is also used for matching the physiological data with physiological data in a pre-stored physiological database after receiving the physiological data, and forwarding payment confirmation information to the mobile terminal after the physiological data is matched;
the mobile terminal is also used for passing the payment operation after receiving the payment confirmation information;
the mobile terminal is also used for locking all currently used SIM cards;
the intelligent wearable terminal is further used for detecting the duration of the communication state changed from the connection state to the disconnection state, and sending payment safety early warning information to the server when the duration of the communication state changed from the connection state to the disconnection state is detected to be longer than preset time;
the intelligent wearable terminal is further used for sending an alarm prompt signal to prompt a user wearing the intelligent wearable terminal and displaying the loss report.
CN201910510517.8A 2019-06-13 2019-06-13 Payment processing method and system Active CN110210864B (en)

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103024744A (en) * 2012-12-24 2013-04-03 百度在线网络技术（北京）有限公司 Method and system for authentication of mobile terminal
CN105611496A (en) * 2015-10-13 2016-05-25 宇龙计算机通信科技(深圳)有限公司 Position prompting method of mobile terminal and apparatus thereof, and the mobile terminal
CN106600258A (en) * 2016-10-14 2017-04-26 惠州Tcl移动通信有限公司 Payment location notification method and system, and server

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103024744A (en) * 2012-12-24 2013-04-03 百度在线网络技术（北京）有限公司 Method and system for authentication of mobile terminal
CN105611496A (en) * 2015-10-13 2016-05-25 宇龙计算机通信科技(深圳)有限公司 Position prompting method of mobile terminal and apparatus thereof, and the mobile terminal
CN106600258A (en) * 2016-10-14 2017-04-26 惠州Tcl移动通信有限公司 Payment location notification method and system, and server

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