CN110544087A - Mobile payment method, device, equipment and computer readable storage medium - Google Patents
Mobile payment method, device, equipment and computer readable storage medium Download PDFInfo
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- CN110544087A CN110544087A CN201910663214.XA CN201910663214A CN110544087A CN 110544087 A CN110544087 A CN 110544087A CN 201910663214 A CN201910663214 A CN 201910663214A CN 110544087 A CN110544087 A CN 110544087A
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- 238000000034 method Methods 0.000 title claims abstract description 71
- 238000004590 computer program Methods 0.000 claims description 17
- 238000012795 verification Methods 0.000 claims description 17
- 238000012790 confirmation Methods 0.000 claims description 11
- 238000005516 engineering process Methods 0.000 abstract description 5
- 238000010586 diagram Methods 0.000 description 10
- 238000004422 calculation algorithm Methods 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 238000010295 mobile communication Methods 0.000 description 3
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- 238000004364 calculation method Methods 0.000 description 1
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Classifications
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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]
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
- H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]
Abstract
The application provides a mobile payment method, a device, equipment and a computer readable storage medium, wherein the method comprises the following steps: when the input payment password is verified in the payment process, acquiring data network information at the current moment, and judging whether the mobile terminal is in a network offline state or not according to the data network information; if the mobile terminal is in a network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information; sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text; and receiving a short message containing the payment result returned by the short message service center based on the payment authentication text through the short message interface. The application relates to mobile payment, and the reliability of the mobile payment can be effectively improved by combining a password technology with a short message.
Description
Technical Field
The present application relates to the field of mobile payment technologies, and in particular, to a mobile payment method, apparatus, device, and computer-readable storage medium.
Background
mobile payment, also known as mobile payment, is a service that allows users to use their mobile terminals (typically mobile phones) for financial payments of goods or services consumed. The unit or the individual directly or indirectly sends a payment instruction to the bank financial institution through the mobile equipment, the Internet or the close-range sensor to generate money payment and fund transfer behaviors, so that the mobile payment function is realized. The mobile payment integrates terminal equipment, the Internet, an application provider and a financial institution, and provides financial services such as currency payment and payment for a user.
At present, mobile payment usually needs network (wireless network or data network) support, and in the process of mobile payment, if the network of a mobile terminal is poor or no network exists, payment related information cannot be transmitted to a bank financial institution, mobile payment is affected, even the mobile payment is unavailable, and the reliability of the mobile payment cannot be ensured. Therefore, how to improve the reliability of mobile payment is a problem to be solved urgently.
Disclosure of Invention
the application mainly aims to provide a mobile payment method, a device, equipment and a computer readable storage medium, aiming at improving the reliability of mobile payment.
in a first aspect, the present application provides a mobile payment method, comprising the steps of:
when the input payment password is verified in the payment process, acquiring data network information at the current moment;
Judging whether the mobile terminal is in a network offline state or not according to the data network information;
If the mobile terminal is in a network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information;
sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text;
and receiving a short message containing the payment result returned by the short message service center based on the payment authentication text through the short message interface.
In a second aspect, the present application further provides a mobile payment device, comprising:
the acquisition module is used for acquiring data network information at the current moment when the input payment password is verified in the payment process;
The judging module is used for judging whether the mobile terminal is in a network off-line state or not according to the data network information;
The text generation module is used for acquiring payee information and payer information if the mobile terminal is in a network off-line state, and generating a payment authentication text according to the payee information and the payer information;
The sending module is used for sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text;
And the receiving module is used for receiving a short message which is returned by the short message service center based on the payment authentication text and contains the payment result through the short message interface.
In a third aspect, the present application also provides a computer device comprising a processor, a memory, and a computer program stored on the memory and executable by the processor, wherein the computer program, when executed by the processor, implements the steps of the mobile payment method as described above.
In a fourth aspect, the present application also provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of the mobile payment method as described above.
The application provides a mobile payment method, a device, equipment and a computer readable storage medium, when it is monitored that an input payment password passes verification in the payment process, whether a mobile terminal is in a network offline state is judged based on data network information of the mobile terminal at the current moment, if the mobile terminal is in the network offline state, namely a data network signal is poor, relevant information is sent to a short message service center in a short message mode through a short message interface, the short message service center requests a payment result to a relevant server based on the received relevant information and returns the payment result to the mobile terminal in the short message mode, the relevant information can be sent in the short message mode when the data network signal of the mobile terminal is poor, the mobile payment is guaranteed not to be interrupted, and the reliability of the mobile payment is effectively improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic flowchart of a mobile payment method according to an embodiment of the present application;
Fig. 2 is a schematic view of a scene for implementing the mobile payment method provided in this embodiment;
Fig. 3 is a schematic flow chart of another mobile payment method provided in the embodiment of the present application;
Fig. 4 is a schematic flowchart of another mobile payment method provided in the embodiment of the present application;
Fig. 5 is a schematic block diagram of a mobile payment device provided in an embodiment of the present application;
FIG. 6 is a schematic block diagram of another mobile payment device provided by an embodiment of the present application;
fig. 7 is a schematic block diagram of another mobile payment device provided in an embodiment of the present application;
fig. 8 is a block diagram schematically illustrating a structure of a computer device according to an embodiment of the present application.
The implementation, functional features and advantages of the objectives of the present application will be further explained with reference to the accompanying drawings.
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. 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.
the flow diagrams depicted in the figures are merely illustrative and do not necessarily include all of the elements and operations/steps, nor do they necessarily have to be performed in the order depicted. For example, some operations/steps may be decomposed, combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
The embodiment of the application provides a mobile payment method, a mobile payment device, computer equipment and a computer-readable storage medium. The mobile payment method can be applied to a mobile terminal, and the mobile terminal can be an electronic device such as a mobile phone, a tablet computer, a notebook computer, a personal digital assistant and a wearable device.
Some embodiments of the present application will be described in detail below with reference to the accompanying drawings. The embodiments described below and the features of the embodiments can be combined with each other without conflict.
Referring to fig. 1, fig. 1 is a schematic flow chart of a mobile payment method according to an embodiment of the present application.
as shown in fig. 1, the mobile payment method is used for improving the reliability of mobile payment, wherein the mobile payment method comprises steps S101 to S105.
step S101, when it is monitored that the input payment password passes verification in the payment process, data network information at the current moment is obtained.
in the payment process, a user is required to input a payment password, when the payment password is correct, related information of payment, such as an account number, an amount, an order number, an address and the like, can be sent to a server, the server performs payment authentication, and when a network of a mobile terminal is poor or has no network, the related information of payment cannot be transmitted to the server, so that mobile payment is influenced, even the mobile payment is unavailable, and the reliability of mobile payment cannot be guaranteed.
and step S102, judging whether the mobile terminal is in a network off-line state or not according to the data network information.
after the data network information is acquired, whether the mobile terminal is in a network offline state or not is judged according to the data network information. It should be noted that, the mobile terminal in the network offline state may make and receive a call, may also receive and send a short message, but cannot access the internet, for example, a 2G network may make and receive a call or send a short message, but cannot access the internet using a 4G network.
In an embodiment, the manner of determining whether the mobile terminal is in the network offline state may specifically be: and acquiring a strength value of the data network signal from the data network information, judging whether the strength value is smaller than or equal to a preset strength value, if so, determining that the mobile terminal is in a network offline state, and if the strength value is larger than the preset strength value, determining that the mobile terminal is in a network online state. It should be noted that the preset intensity value may be set based on actual situations, and is not particularly limited herein.
In order to more accurately judge whether the mobile terminal is in a network off-line state, whether the mobile terminal is connected with a wireless network is firstly judged, if the mobile terminal is connected with the wireless network, the mobile terminal can be determined to be in the network on-line state, and if the mobile terminal is not connected with the wireless network, whether the intensity value of the data network signal of the mobile terminal is smaller than or equal to a preset threshold value is further judged.
and step S103, if the mobile terminal is in the network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information.
When the mobile terminal is in a network offline state, the mobile terminal can make and receive calls and also can receive and send short messages, but cannot access the internet, so that related payment information cannot be sent to the server through the data network for authentication, specifically, payee information and payer information are obtained, and a payment authentication text is generated according to the payee information and the payer information.
In an embodiment, the manner of generating the payment authentication text specifically includes: splicing the payee information and the payer information by a preset splicing mode to obtain payment authentication information, encrypting the payment authentication information, and converting the encrypted payment authentication information into a payment authentication text. The preset splicing mode can be that the payee information is spliced before the payer information, and can also be that the payee information is spliced after the payer information.
It should be noted that the payee information includes, but is not limited to, a payee identifier, a collection amount, and a payee authentication signature, the payer information includes, but is not limited to, a timestamp, a payment account, a payer identifier, a payment password, and a payer authentication signature, security in the information transmission process can be ensured by encrypting the payment authentication information, and the encryption algorithm may be a symmetric encryption algorithm or an asymmetric encryption algorithm, which is not specifically limited in this application.
In an embodiment, if the mobile terminal is in a network online state, that is, the mobile terminal can access the internet, the payee information and the payer information are acquired, a payment authentication request is sent to an associated server according to the payee information and the payer information, then a payment result returned by the server based on the payment authentication request is received, and the payment result is displayed. When the mobile terminal is in the network online state, the mobile payment can be normally completed.
And step S104, sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text.
After the payment authentication text is obtained, the payment authentication text can be sent to a short message service center in a short message mode, specifically, the mobile terminal sends the payment authentication text to the short message service center through a preset short message interface, the short message service center requests a payment result to an associated server based on the payment authentication text, namely, the short message service center generates a payment authentication request carrying the payment authentication text and sends the payment authentication request to the associated server, and the server executes corresponding payment authentication operation based on the payment authentication request and sends the payment result to the short message service center. The SMS center can be selected from Enhanced Message Service (EMS) and Short Message Service (SMS). It should be noted that the short message interface is packaged with a short message sending function, and the payment authentication text can be sent to the short message service center through the short message sending function in the short message interface.
and step S105, receiving a short message which is returned by the short message service center based on the payment authentication text and contains the payment result through the short message interface.
When receiving a payment result returned by the server, the short message service center sends the payment result to the mobile terminal in a short message manner, and the mobile terminal receives the payment result returned by the short message service center based on the payment authentication text through the short message interface.
Referring to fig. 2, fig. 2 is a schematic view of a scenario for implementing the mobile payment method provided in this embodiment, and as shown in fig. 2, the scenario includes a mobile terminal, a short message service center, and a server, where the mobile terminal sends a payment authentication text to the short message service center in a short message manner, and the short message service center requests a payment result from the server based on the payment authentication text and sends the payment result to the mobile terminal in a short message manner.
In the mobile payment method provided by the embodiment, when it is monitored that the input payment password passes the verification in the payment process, whether the mobile terminal is in the network offline state or not is judged based on the data network information of the mobile terminal at the current moment, if the mobile terminal is in the network offline state, namely the data network signal is poor, the related information is sent to the short message service center in a short message mode through the short message interface, the short message service center requests the payment result to the related server based on the received related information, and the payment result is sent back to the mobile terminal in a short message mode.
Referring to fig. 3, fig. 3 is a schematic flow chart of another mobile payment method according to an embodiment of the present application.
As shown in fig. 3, the mobile payment method includes steps S201 to 205.
Step S201, when it is monitored that the input payment password passes the verification in the payment process, the data network information at the current moment is obtained.
in the payment process, a user is required to input a payment password, when the payment password is correct, related information of payment, such as an account number, an amount, an order number, an address and the like, can be sent to a server, the server performs payment authentication, and when a network of a mobile terminal is poor or has no network, the related information of payment cannot be transmitted to the server, so that mobile payment is influenced, even the mobile payment is unavailable, and the reliability of mobile payment cannot be guaranteed.
step S202, obtaining the intensity value of each data network signal from the data network information.
in order to accurately judge whether the mobile terminal is in a network off-line state, the judgment can be carried out through the strength of each data network signal, and after the data network information at the current moment is obtained, the strength value of each data network signal is obtained from the data network information. The data network signals include, but are not limited to, 4G (fourth generation mobile communication technology) network signals, 3G (third generation mobile communication technology) network signals, and 2G (second generation mobile communication technology) network signals.
Step S203, judging whether the mobile terminal is in the network off-line state or not according to the intensity value of each data network signal.
after the intensity value of each data network signal is obtained, whether the mobile terminal is in a network offline state is judged according to the intensity value of each data network signal, specifically, whether the intensity value of each data network signal is smaller than or equal to a corresponding preset threshold value is judged, if the intensity value of each data network signal is smaller than or equal to the corresponding preset threshold value, the mobile terminal is determined to be in the network offline state, and if the intensity value of at least one data network signal is larger than the corresponding preset threshold value, the mobile terminal is determined to be in the network online state.
It should be noted that, the mobile terminal prestores a strength value corresponding to each data network signal, that is, each data network signal corresponds to a prestored signal strength value, that is, a preset threshold value, and the preset threshold value may be set based on an actual situation, which is not specifically limited in this application.
And step S204, if the mobile terminal is in the network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information.
When the mobile terminal is in a network offline state, the mobile terminal can make and answer a call, can also receive and send a short message, but cannot access the internet, so that related payment information cannot be sent to a server for authentication through a data network.
step S205, sending the payment authentication text to a short message service center through a preset short message interface, so that the short message service center requests a payment result to an associated server based on the payment authentication text.
After the payment authentication text is obtained, the payment authentication text can be sent to a short message service center in a short message mode, specifically, the mobile terminal sends the payment authentication text to the short message service center through a preset short message interface, the short message service center requests a payment result to an associated server based on the payment authentication text, namely, the short message service center generates a payment authentication request carrying the payment authentication text and sends the payment authentication request to the associated server, and the server executes corresponding payment authentication operation based on the payment authentication request and sends the payment result to the short message service center.
step S206, receiving a short message containing the payment result returned by the short message service center based on the payment authentication text through the short message interface.
When receiving a payment result returned by the server, the short message service center sends the payment result to the mobile terminal in a short message manner, and the mobile terminal receives the payment result returned by the short message service center based on the payment authentication text through the short message interface.
According to the mobile payment method provided by the embodiment, whether the mobile terminal is in the network off-line state or not can be accurately judged through the strength value of each data network signal, the relevant payment mode is avoided being sent in a short message mode under the condition that the network is available, the relevant information can be accurately sent in the short message mode when the network is poor or unavailable, the mobile payment is guaranteed not to be interrupted, and the reliability of the mobile payment is effectively improved.
Referring to fig. 4, fig. 4 is a schematic flow chart of another mobile payment method according to an embodiment of the present application.
As shown in fig. 4, the mobile payment method includes steps S301 to 307.
Step S301, when a two-dimension code scanning instruction is monitored, scanning the current two-dimension code to obtain payee information, and storing the payee information.
When a merchant or an individual needs to collect money, a money collection request is sent to a back-end server through a terminal device, the back-end server authenticates the money collection request, after the money collection request passes the authentication verification, money collection party information such as a money collection party identifier, a money collection amount and a money collection party authentication signature is obtained, a preset two-dimensional code generator is called to generate a corresponding two-dimensional code based on the money collection party information, and then the two-dimensional code is returned to the corresponding terminal device, wherein the two-dimensional code carries the money collection party information such as the money collection party identifier, the money collection amount and the money collection party authentication signature.
The user can pay by scanning the two-dimensional code, specifically, when the two-dimensional code scanning instruction is monitored, the current two-dimensional code is scanned to obtain payee information, and the payee information is stored. Since the two-dimensional code carries specific information, which is not a Uniform Resource Locator (URL), the two-dimensional code may be scanned to obtain related information even when the network is unavailable.
Step S302, displaying a payment confirmation page containing the payee information, receiving a payment password input based on the payment confirmation page, and verifying the input payment password.
After the payee information is obtained, a payment confirmation page containing the payee information is displayed, and the user can input a payment password through the payment confirmation page to confirm the payment, namely, the payment password input by the user based on the payment confirmation page is received and the input payment password is verified. The payment password includes, but is not limited to, a digital password, fingerprint feature information, and face feature information.
In an embodiment, the method for verifying the input payment password specifically includes: and judging whether the input payment password is the same as the pre-stored payment password or not, if so, determining that the input payment password passes the verification, and if not, determining that the input payment password does not pass the verification.
step S303, when it is monitored that the input payment password passes the verification in the payment process, the data network information at the current moment is obtained.
In the payment process, a user is required to input a payment password, when the payment password is correct, related information of payment, such as an account number, an amount, an order number, an address and the like, can be sent to a server, the server performs payment authentication, and when a network of a mobile terminal is poor or has no network, the related information of payment cannot be transmitted to the server, so that mobile payment is influenced, even the mobile payment is unavailable, and the reliability of mobile payment cannot be guaranteed.
And step S304, judging whether the mobile terminal is in a network off-line state or not according to the data network information.
after the data network information is acquired, whether the mobile terminal is in a network offline state or not is judged according to the data network information. It should be noted that the mobile terminal in the network offline state can make and receive calls, and also can receive and send short messages, but cannot access the internet.
Step S305, if the mobile terminal is in the network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information.
when the mobile terminal is in a network offline state, the mobile terminal can make and answer a call, can also receive and send a short message, but cannot access the internet, so that related payment information cannot be sent to a server for authentication through a data network.
Step S306, sending the payment authentication text to a short message service center through a preset short message interface, so that the short message service center requests a payment result to an associated server based on the payment authentication text.
after the payment authentication text is obtained, the payment authentication text can be sent to a short message service center in a short message mode, specifically, the mobile terminal sends the payment authentication text to the short message service center through a preset short message interface, the short message service center requests a payment result to an associated server based on the payment authentication text, namely, the short message service center generates a payment authentication request carrying the payment authentication text and sends the payment authentication request to the associated server, and the server executes corresponding payment authentication operation based on the payment authentication request and sends the payment result to the short message service center.
step S307, receiving a short message containing the payment result returned by the short message service center based on the payment authentication text through the short message interface.
When receiving a payment result returned by the server, the short message service center sends the payment result to the mobile terminal in a short message manner, and the mobile terminal receives the payment result returned by the short message service center based on the payment authentication text through the short message interface.
In the mobile payment method provided by the embodiment, since the information carried in the two-dimensional code is specific payee information, not a network address or a URL address, the corresponding payee information can be obtained by scanning the two-dimensional code even if the network is poor or unavailable, and the reliability of mobile payment is greatly improved.
referring to fig. 5, fig. 5 is a schematic block diagram of a mobile payment device according to an embodiment of the present disclosure.
As shown in fig. 5, the mobile payment device 400 includes: the device comprises an acquisition module 401, a judgment module 402, a text generation module 403, a sending module 404 and a receiving module 405.
the obtaining module 401 is configured to obtain data network information at a current time when it is monitored that the input payment password passes verification in the payment process.
A determining module 402, configured to determine whether the mobile terminal is in a network offline state according to the data network information.
The text generating module 403 is configured to, if the mobile terminal is in the network offline state, obtain payee information and payer information, and generate a payment authentication text according to the payee information and the payer information.
In an embodiment, the text generating module 403 is further configured to splice the payee information and the payer information in a preset splicing manner to obtain payment authentication information; and encrypting the payment authentication information, and converting the encrypted payment authentication information into a payment authentication text.
A sending module 404, configured to send the payment authentication text to a short message service center through a preset short message interface, so that the short message service center requests a payment result from an associated server based on the payment authentication text.
A receiving module 405, configured to receive, through the short message interface, a short message including the payment result returned by the short message service center based on the payment authentication text.
In an embodiment, the obtaining module 401 is further configured to obtain payee information and payer information if the mobile terminal is in a network online state.
The sending module 404 is further configured to send a payment authentication request to an associated server according to the payee information and the payer information.
The receiving module 405 is further configured to receive a payment result returned by the server based on the payment authentication request, and display the payment result.
Referring to fig. 6, fig. 6 is a schematic block diagram of another mobile payment device provided in the embodiment of the present application.
As shown in fig. 6, the mobile payment device 500 includes: the system comprises an acquisition module 501, a judgment module 502, a text generation module 503, a sending module 504 and a receiving module 505.
the obtaining module 501 is configured to obtain data network information at a current time when it is monitored that the input payment password passes verification in the payment process.
the determining module 502 is configured to determine whether the mobile terminal is in a network offline state according to the data network information.
In one embodiment, the determining module 502 includes:
The obtaining sub-module 5021 is configured to obtain the strength value of each data network signal from the data network information.
The determining submodule 5022 is configured to determine whether the mobile terminal is in a network offline state according to the strength value of each data network signal.
In an embodiment, the determining sub-module 5022 is further configured to determine whether the strength value of each data network signal is less than or equal to a corresponding preset threshold; if the intensity value of each data network signal is smaller than or equal to the corresponding preset threshold value, determining that the mobile terminal is in a network off-line state; and if the intensity value of at least one data network signal is greater than the corresponding preset threshold value, determining that the mobile terminal is in a network online state.
The text generating module 503 is configured to, if the mobile terminal is in the network offline state, acquire payee information and payer information, and generate a payment authentication text according to the payee information and the payer information.
A sending module 504, configured to send the payment authentication text to a short message service center through a preset short message interface, so that the short message service center requests a payment result from an associated server based on the payment authentication text.
A receiving module 505, configured to receive, through the short message interface, a short message including the payment result returned by the short message service center based on the payment authentication text.
Referring to fig. 7, fig. 7 is a schematic block diagram of another mobile payment device provided in the embodiment of the present application.
As shown in fig. 7, the mobile payment apparatus 600 includes: a scanning module 601, a display module 602, a verification module 603, an acquisition module 604, a determination module 605, a text generation module 606, a sending module 607, and a receiving module 608.
The scanning module 601 scans the current two-dimensional code to obtain payee information and stores the payee information when monitoring a two-dimensional code scanning instruction.
A display module 602 that displays a payment confirmation page containing the payee information.
The verification module 603 receives the payment password input based on the payment confirmation page, and verifies the input payment password.
In an embodiment, the verification module 603 is further configured to determine whether the input payment password is the same as a pre-stored payment password; if the input payment password is the same as the pre-stored payment password, determining that the input payment password passes the verification; and if the input payment password is different from the pre-stored payment password, determining that the input payment password is not verified.
The obtaining module 604 is configured to obtain data network information at a current time when it is monitored that the input payment password passes verification in the payment process.
The determining module 605 is configured to determine whether the mobile terminal is in a network offline state according to the data network information.
The text generation module 606 is configured to, if the mobile terminal is in the network offline state, acquire payee information and payer information, and generate a payment authentication text according to the payee information and the payer information.
a sending module 607, configured to send the payment authentication text to a short message service center through a preset short message interface, so that the short message service center requests a payment result from an associated server based on the payment authentication text.
A receiving module 608, configured to receive, through the short message interface, a short message including the payment result returned by the short message service center based on the payment authentication text.
it should be noted that, as will be clear to those skilled in the art, for convenience and brevity of description, the specific working processes of the apparatus and each module and unit described above may refer to the corresponding processes in the foregoing mobile payment method embodiment, and are not described herein again.
The apparatus provided by the above embodiments may be implemented in the form of a computer program, which can be run on a computer device as shown in fig. 8.
Referring to fig. 8, fig. 8 is a schematic block diagram illustrating a structure of a computer device according to an embodiment of the present disclosure. The computer device may be a terminal.
as shown in fig. 8, the computer device includes a processor, a memory, and a network interface connected by a system bus, wherein the memory may include a nonvolatile storage medium and an internal memory.
The non-volatile storage medium may store an operating system and a computer program. The computer program includes program instructions that, when executed, cause a processor to perform any one of the mobile payment methods.
The processor is used for providing calculation and control capability and supporting the operation of the whole computer equipment.
The internal memory provides an environment for the execution of a computer program on a non-volatile storage medium, which when executed by the processor, causes the processor to perform any one of the methods of compression of deep learning models.
the network interface is used for network communication, such as sending assigned tasks and the like. Those skilled in the art will appreciate that the architecture shown in fig. 8 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
It should be understood that the Processor may be a Central Processing Unit (CPU), and the Processor may be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
wherein, in one embodiment, the processor is configured to execute a computer program stored in the memory to implement the steps of:
when the input payment password is verified in the payment process, acquiring data network information at the current moment;
Judging whether the mobile terminal is in a network offline state or not according to the data network information;
if the mobile terminal is in a network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information;
Sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text;
And receiving a short message containing the payment result returned by the short message service center based on the payment authentication text through the short message interface.
In one embodiment, the processor, in effecting generation of a payment authentication text from the payee information and payer information, is configured to effect:
splicing the payee information and the payer information in a preset splicing mode to obtain payment authentication information;
and encrypting the payment authentication information, and converting the encrypted payment authentication information into a payment authentication text.
in one embodiment, the processor is configured to execute a computer program stored in the memory, and after the step of determining whether the mobile terminal is in the network offline state according to the data network information, the following steps are further implemented:
if the mobile terminal is in a network online state, acquiring payee information and payer information;
Sending a payment authentication request to an associated server according to the payee information and the payer information;
And receiving a payment result returned by the server based on the payment authentication request, and displaying the payment result.
In another embodiment, when determining whether the mobile terminal is in the network offline state according to the data network information, the processor is configured to:
obtaining a strength value of each data network signal from the data network information;
And judging whether the mobile terminal is in a network off-line state or not according to the strength value of each data network signal.
In one embodiment, the processor, when determining whether the mobile terminal is in the network offline state according to the strength value of each data network signal, is configured to:
Judging whether the intensity value of each data network signal is smaller than or equal to a corresponding preset threshold value;
if the intensity value of each data network signal is smaller than or equal to the corresponding preset threshold value, determining that the mobile terminal is in a network off-line state;
And if the intensity value of at least one data network signal is greater than the corresponding preset threshold value, determining that the mobile terminal is in a network online state.
In another embodiment, the processor is configured to run a computer program stored in the memory, and before the step of acquiring the data network information at the current time when it is monitored that the input payment password is verified in the payment process, the following steps are further implemented:
When a two-dimensional code scanning instruction is monitored, scanning the current two-dimensional code to obtain payee information, and storing the payee information;
and displaying a payment confirmation page containing the payee information, receiving a payment password input based on the payment confirmation page, and verifying the input payment password.
In one embodiment, the processor, in effecting authentication of an entered payment password, is operative to effect:
Judging whether the input payment password is the same as a pre-stored payment password or not;
If the input payment password is the same as the pre-stored payment password, determining that the input payment password passes the verification;
and if the input payment password is different from the pre-stored payment password, determining that the input payment password is not verified.
embodiments of the present application further provide a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, where the computer program includes program instructions, and a method implemented when the program instructions are executed may refer to various embodiments of the mobile payment method of the present application.
the computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiment, for example, a hard disk or a memory of the computer device. The computer readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like provided on the computer device.
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 system 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 system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
the above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments. While the invention has been described with reference to specific embodiments, the scope of the invention is not limited thereto, and those skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the invention. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A mobile payment method, comprising:
When the input payment password is verified in the payment process, acquiring data network information at the current moment;
Judging whether the mobile terminal is in a network offline state or not according to the data network information;
If the mobile terminal is in a network off-line state, acquiring payee information and payer information, and generating a payment authentication text according to the payee information and the payer information;
Sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text;
And receiving a short message containing the payment result returned by the short message service center based on the payment authentication text through the short message interface.
2. A mobile payment method as claimed in claim 1, wherein the step of generating a payment authentication text based on the payee information and payer information comprises:
Splicing the payee information and the payer information in a preset splicing mode to obtain payment authentication information;
and encrypting the payment authentication information, and converting the encrypted payment authentication information into a payment authentication text.
3. The mobile payment method of claim 1, wherein the step of determining whether the mobile terminal is in a network offline state according to the data network information comprises:
Obtaining a strength value of each data network signal from the data network information;
And judging whether the mobile terminal is in a network off-line state or not according to the strength value of each data network signal.
4. a mobile payment method as claimed in claim 3, wherein the step of determining whether the mobile terminal is in the network off-line state based on the strength value of each data network signal comprises:
judging whether the intensity value of each data network signal is smaller than or equal to a corresponding preset threshold value;
If the intensity value of each data network signal is smaller than or equal to the corresponding preset threshold value, determining that the mobile terminal is in a network off-line state;
and if the intensity value of at least one data network signal is greater than the corresponding preset threshold value, determining that the mobile terminal is in a network online state.
5. The mobile payment method of any one of claims 1-4, wherein after the step of determining whether the mobile terminal is in a network offline state according to the data network information, further comprising:
If the mobile terminal is in a network online state, acquiring payee information and payer information;
Sending a payment authentication request to an associated server according to the payee information and the payer information;
And receiving a payment result returned by the server based on the payment authentication request, and displaying the payment result.
6. The mobile payment method of any one of claims 1 to 4, wherein before the step of obtaining the data network information at the current time when it is monitored that the input payment password is verified during the payment process, the method further comprises:
when a two-dimensional code scanning instruction is monitored, scanning the current two-dimensional code to obtain payee information, and storing the payee information;
And displaying a payment confirmation page containing the payee information, receiving a payment password input based on the payment confirmation page, and verifying the input payment password.
7. a mobile payment method as recited in claim 6, wherein the step of verifying the entered payment password comprises:
judging whether the input payment password is the same as a pre-stored payment password or not;
If the input payment password is the same as the pre-stored payment password, determining that the input payment password passes the verification;
And if the input payment password is different from the pre-stored payment password, determining that the input payment password is not verified.
8. A mobile payment device, characterized in that the mobile payment device comprises:
the acquisition module is used for acquiring data network information at the current moment when the input payment password is verified in the payment process;
the judging module is used for judging whether the mobile terminal is in a network off-line state or not according to the data network information;
The acquisition module is also used for acquiring payee information and payer information if the mobile terminal is in a network offline state;
the text generation module is used for generating a payment authentication text according to the payee information and the payer information;
The sending module is used for sending the payment authentication text to a short message service center through a preset short message interface so that the short message service center can request a payment result from an associated server based on the payment authentication text;
And the receiving module is used for receiving a short message which is returned by the short message service center based on the payment authentication text and contains the payment result through the short message interface.
9. A computer arrangement, characterized in that the computer arrangement comprises a processor, a memory, and a computer program stored on the memory and executable by the processor, wherein the computer program, when executed by the processor, carries out the steps of the mobile payment method according to any one of claims 1 to 7.
10. A computer-readable storage medium, having a computer program stored thereon, wherein the computer program, when executed by a processor, carries out the steps of the mobile payment method according to any one of claims 1 to 7.
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Application publication date: 20191206 |