Background
The general process of online payment based on the Internet platform is as follows:
1. the customer accesses the Internet (Internet), browses goods on the Internet through a browser, selects goods, fills in a network order, selects an applied network payment settlement tool, and gets an authorized use of the bank, such as a bank card, an electronic wallet, electronic cash, an electronic check, or an Internet bank account number.
2. The client encrypts relevant order information, such as payment information, and submits the order over the network.
3. The merchant server checks and confirms the order information of the customer, and forwards the related and encrypted customer payment information to the payment gateway until the bank background business server of the bank private network confirms so as to obtain the authorization of payment funds through the verification of electronic currency issuing organizations such as banks.
4. After the bank verifies and confirms, confirmation and payment settlement information are sent back to the merchant server through the established encrypted communication channel through the payment gateway, and a payment authorization request (or not) is sent back to the client for further security.
5. After the bank obtains the further authorization settlement information transmitted by the customer, the bank transfers the fund from the customer account to the bank account of the merchant who develops the electronic commerce, the settlement is carried out by means of the financial private network, and the successful payment settlement information is respectively transmitted to the merchant and the customer.
6. After receiving the successful settlement information sent by the bank, the merchant server sends the successful network payment information and a delivery notice to the client. A typical network payment settlement process ends by this time. The merchant and the customer can respectively inquire own fund balance information by means of the network so as to further check.
Disclosure of Invention
According to an aspect of the invention, a mobile payment security protection system is provided, the system comprising: and the permission setting equipment is arranged on the smart phone and used for setting the payment geographic range allowed by mobile payment and setting the payment time period allowed by mobile payment according to the operation of the user.
More specifically, in the mobile payment security protection system, the method further includes: and the electronic payment equipment is arranged on the smart phone and used for starting or closing the current electronic payment item according to the operation of the user.
More specifically, in the mobile payment security protection system, the method further includes: and the positioning monitoring equipment is arranged near the electronic payment equipment, is internally provided with a satellite navigation unit and is used for providing current navigation data of the smart phone.
More specifically, in the mobile payment security protection system, the method further includes: and the timing device is arranged near the electronic payment device and used for providing the current time of the smart phone.
More specifically, in the mobile payment security protection system, the method further includes: the electronic payment equipment is respectively connected with the permission setting equipment, the positioning monitoring equipment and the timing equipment and is used for finishing the current electronic payment item when the current navigation data of the smart phone is in the payment geographic range and the current time is in the allowed payment time period after the current electronic payment item is started; the instant capture device is respectively connected with the currently unused suspension pins of the electronic payment device, the positioning monitoring device and the authority setting device so as to obtain the current heat of the currently unused suspension pins of the electronic payment device, the current heat of the currently unused suspension pins of the positioning monitoring device and the current heat of the currently unused suspension pins of the authority setting device; the DSP processing chip is connected with the instant capture device and used for receiving the current heat of the currently unused suspension pin of the electronic payment device, the current heat of the currently unused suspension pin of the positioning monitoring device and the current heat of the currently unused suspension pin of the authority setting device, and performing weighted mean operation on the current heat of the currently unused suspension pin of the electronic payment device, the current heat of the currently unused suspension pin of the positioning monitoring device and the current heat of the currently unused suspension pin of the authority setting device to obtain a reference pin heat, and the DSP processing chip is further used for multiplying the obtained reference pin heat by a balance factor to obtain a silicon wafer entity heat of the electronic payment device; the DDR storage device is used for pre-storing the current heat of the currently unused suspension pin of the electronic payment device, the current heat of the currently unused suspension pin of the positioning monitoring device and three weight values of the current heat of the currently unused suspension pin of the permission setting device which respectively participate in weighted mean calculation.
The invention has at least the following four important points:
(1) the number of the running tasks of the electronic payment equipment and the related equipment is adaptively adjusted based on the current data processing rate of the electronic payment equipment, so that the overall performance of the system is further optimized;
(2) the introduced operation control equipment is used for determining the corresponding operation speed down-regulation multiple according to the silicon wafer entity heat when the received silicon wafer entity heat of the equipment A exceeds the limit;
(3) executing a downward adjustment execution operation on the current data operation speed of the electronic payment device based on the operation speed downward adjustment multiple;
(4) the payment items of the smart phone can pass through the smart phone within the allowable geographic range and within the allowable transaction time period, so that the security of mobile phone payment is improved.
The mobile phone payment safety protection system has a complete mechanism and reliable data. The number of the running tasks of the electronic payment equipment and the related equipment is adaptively adjusted based on the current data processing rate of the electronic payment equipment, so that the overall performance of the system is further optimized, and a double safety protection mechanism is provided for mobile phone payment.
Detailed Description
Embodiments of the mobile payment security system of the present invention will be described in detail below with reference to the accompanying drawings.
For many consumers, mobile phone payment enables payment funds to be carried more conveniently, the consumption process is more convenient and simpler, many new consumption modes can be better tried after payment barriers are eliminated, and meanwhile, if appropriate management mechanisms and technical management and control are matched, the security of the payment funds can be further improved. Although the mobile phone payment advantages are obvious and the application prospect is very wide, according to the easily observed international investigation data, the use rate of the user on the mobile phone payment business is still at a lower level due to the worry of the security problem and the lack of the payment application with strong attraction, and in order to further promote the rapid development of the mobile phone payment industry, the related service providers need to optimize and improve the aspects of the fund security, the industry chain construction, the business mode and the like of the mobile phone payment business.
At present, mobile payment brings great convenience to transactions of people, but higher requirements are also put forward on safety, and the overall performance of a mobile payment system still has a space for further improving because the number of operation tasks of the mobile payment system and related equipment cannot be adaptively adjusted based on the current data processing rate of electronic payment equipment at present.
In order to overcome the defects, the invention builds a mobile phone payment safety protection system, and can effectively solve the corresponding technical problem.
Fig. 1 is a schematic view of a payment field of a mobile payment security protection system according to an embodiment of the present invention.
The mobile payment security protection system shown according to the embodiment of the invention comprises:
and the permission setting equipment is arranged on the smart phone and used for setting the payment geographic range allowed by mobile payment and setting the payment time period allowed by mobile payment according to the operation of the user.
Next, the detailed structure of the mobile payment security system of the present invention will be further described.
In the mobile payment security protection system, the method further comprises:
and the electronic payment equipment is arranged on the smart phone and used for starting or closing the current electronic payment item according to the operation of the user.
In the mobile payment security protection system, the method further comprises:
and the positioning monitoring equipment is arranged near the electronic payment equipment, is internally provided with a satellite navigation unit and is used for providing current navigation data of the smart phone.
In the mobile payment security protection system, the method further comprises:
and the timing device is arranged near the electronic payment device and used for providing the current time of the smart phone.
In the mobile payment security protection system, the method further comprises:
the electronic payment equipment is respectively connected with the permission setting equipment, the positioning monitoring equipment and the timing equipment and is used for finishing the current electronic payment item when the current navigation data of the smart phone is in the payment geographic range and the current time is in the allowed payment time period after the current electronic payment item is started;
the instant capture device is respectively connected with the currently unused suspension pins of the electronic payment device, the positioning monitoring device and the authority setting device so as to obtain the current heat of the currently unused suspension pins of the electronic payment device, the current heat of the currently unused suspension pins of the positioning monitoring device and the current heat of the currently unused suspension pins of the authority setting device;
the DSP processing chip is connected with the instant capture device and used for receiving the current heat of the currently unused suspension pin of the electronic payment device, the current heat of the currently unused suspension pin of the positioning monitoring device and the current heat of the currently unused suspension pin of the authority setting device, and performing weighted mean operation on the current heat of the currently unused suspension pin of the electronic payment device, the current heat of the currently unused suspension pin of the positioning monitoring device and the current heat of the currently unused suspension pin of the authority setting device to obtain a reference pin heat, and the DSP processing chip is further used for multiplying the obtained reference pin heat by a balance factor to obtain a silicon wafer entity heat of the electronic payment device;
the DDR storage device is used for pre-storing the current heat of the current unused suspension pin of the electronic payment device, the current heat of the current unused suspension pin of the positioning monitoring device and the current heat of the current unused suspension pin of the permission setting device to participate in three weight values of weighted mean operation respectively;
the operation control device is respectively connected with the electronic payment device and the DSP processing chip and is used for determining corresponding operation speed down-regulation multiples according to the entity heat of the silicon chip when the received entity heat of the silicon chip exceeds a limit;
the processing rate detection device is arranged in the electronic payment device and is used for detecting the data processing rate in the electronic payment device so as to obtain the corresponding current processing rate;
the performance analysis equipment is connected with the processing rate detection equipment and used for receiving the current processing rate and determining a corresponding working speed grade based on the received current processing rate;
the task adjusting device is respectively connected with the performance analyzing device, the electronic payment device, the positioning monitoring device and the permission setting device, and is used for increasing the respective running task quantity of the electronic payment device, the positioning monitoring device and the permission setting device when the working speed grade is greater than or equal to a first grade threshold value, increasing the respective running task quantity of the electronic payment device and the positioning monitoring device when the working speed grade is less than the first grade threshold value and greater than or equal to a second grade threshold value, and increasing the running task quantity of the electronic payment device when the working speed grade is less than the second grade threshold value and greater than or equal to a third grade threshold value;
the electronic payment equipment is further used for stopping the current electronic payment item when the current navigation data of the smart phone is out of the payment geographic range or the current time is out of the allowed payment time period after the current electronic payment item is started.
In the mobile phone payment security protection system:
the DDR storage device is connected with the DSP processing chip and is used for storing the weighing factors in advance.
In the mobile phone payment security protection system:
the calculation control device is also used for executing the downward adjustment execution operation of the current data processing speed of the electronic payment device based on the calculation speed downward adjustment multiple.
In the mobile phone payment security protection system:
in the DDR storage device, three weight values, in which the current heat of the currently unused suspension pin of the electronic payment device, the current heat of the currently unused suspension pin of the positioning monitoring device, and the current heat of the currently unused suspension pin of the permission setting device participate in weighted average operation, are different in size.
In the mobile phone payment security protection system:
the DDR storage device is also connected with the authority setting device and is used for temporarily storing a payment geographic range allowed by mobile payment and a payment time period allowed by the mobile payment;
and the task adjusting device is also used for maintaining the running task number of the electronic payment device, the positioning monitoring device and the authority setting device when the working speed grade is less than a third grade threshold value.
In the mobile phone payment security protection system:
in the task adjustment device, the third level threshold is smaller than the second level threshold, which is smaller than the first level threshold;
wherein, in the performance analysis device, determining the corresponding working speed level based on the received current processing rate comprises: the less the current processing rate received, the lower the corresponding operating speed level determined.
Besides, strictly speaking, DDR shall be referred to as DDR SDRAM, which is a custom name, and some beginners also commonly see DDR SDRAM, which is regarded as SDRAM. DDR SDRAM, an acronym for Double Data Rate SDRAM, means Double-Data synchronous dynamic random access memory. DDR memory is developed on the basis of SDRAM memory, and SDRAM production system is still used, so for memory manufacturers, DDR memory production can be realized only by slightly improving equipment for manufacturing common SDRAM, and cost can be effectively reduced.
The SDRAM only transmits data once in a clock period, and the data transmission is carried out in the rising period of the clock; the DDR memory transfers data twice in one clock cycle, and can transfer data once in the rising period and the falling period of the clock, so the DDR memory is called a double-rate synchronous dynamic random access memory. DDR memory can achieve higher data transfer rates at the same bus frequency as SDRAM.
Compared with SDRAM: DDR uses a more advanced synchronous circuit, so that the main steps of transmission and output of the designated address and data are independently executed and are kept completely synchronous with the CPU; DDR uses DLL (Delay Locked Loop) technology, and when data is valid, the memory controller can use this data filter signal to pinpoint the data, output it every 16 times, and resynchronize the data from different memory modules. DDR essentially doubles the speed of SDRAM without increasing the clock frequency, allowing data to be read on both the rising and falling edges of the clock pulse, thus doubling its speed as standard SDRA.
It is to be understood that while the present invention has been described in conjunction with the preferred embodiments thereof, it is not intended to limit the invention to those embodiments. It will be apparent to those skilled in the art from this disclosure that many changes and modifications can be made, or equivalents modified, in the embodiments of the invention without departing from the scope of the invention. Therefore, any simple modification, equivalent change and modification made to the above embodiments according to the technical essence of the present invention are still within the scope of the protection of the technical solution of the present invention, unless the contents of the technical solution of the present invention are departed.