CN113011881A - Mobile payment transaction electronic account book generation method and device and storage medium - Google Patents
Mobile payment transaction electronic account book generation method and device and storage medium Download PDFInfo
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- CN113011881A CN113011881A CN202110415264.3A CN202110415264A CN113011881A CN 113011881 A CN113011881 A CN 113011881A CN 202110415264 A CN202110415264 A CN 202110415264A CN 113011881 A CN113011881 A CN 113011881A
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- 238000000034 method Methods 0.000 title claims abstract description 23
- 238000004891 communication Methods 0.000 claims abstract description 56
- 238000012795 verification Methods 0.000 claims description 14
- 238000012545 processing Methods 0.000 claims description 8
- 238000004590 computer program Methods 0.000 claims description 3
- 230000006399 behavior Effects 0.000 description 18
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention relates to the technical field of electronic accounts, in particular to a method, a device and a storage medium for generating an electronic account book for mobile payment transaction. The invention provides a mobile payment transaction electronic account book generation method, which comprises the steps of obtaining a fingerprint operation input by a user, determining the fingerprint operation as a payment behavior, adding payment information corresponding to the payment behavior as a one-time payment record into a system bill of a mobile terminal, and carrying out encrypted storage on the system account book in the mobile terminal through an NFC (near field communication) terminal, so that the safety of the system account book is improved, the carrying is convenient, and the integral convenience is improved.
Description
Technical Field
The invention relates to the technical field of electronic accounts, in particular to a method and a device for generating an electronic account book for mobile payment transaction and a storage medium.
Background
With the development of economy, people's living standard has increased, and sales promotion and enticing advertising attraction of various commodities have led to frequent fund flow, and if funds are not managed effectively, it is highly likely that entries will not be laid out. Therefore, daily expenditure details need to be recorded, fund planning is reasonably performed, the traditional accounting mode is that handwriting recording is performed on a note book, the recording is time-consuming and labor-consuming, expenditure trends cannot be displayed, and manageability and systematicness are poor.
Disclosure of Invention
The invention aims to provide a method and a device for generating an electronic account book for mobile payment transaction and a storage medium.
In order to achieve the purpose, the invention adopts the following technical scheme:
a mobile payment transaction electronic account book generation method comprises a fingerprint operation input by a user, and is characterized in that the fingerprint operation input by the user is obtained, the fingerprint operation is determined to be a payment behavior, payment information corresponding to the payment behavior is added to a system account book of a mobile terminal as a payment record, and the step of obtaining the fingerprint operation input by the user comprises the following steps:
s1, acquiring fingerprint operation input by a user on an application program of the mobile terminal;
s2, determining the payment behavior of the user for acquiring the fingerprint;
s3, adding payment information corresponding to the payment behavior determined in the S2 into a system ledger of the mobile terminal as a one-time payment record;
s4, acquiring a user identification number of the NFC communication terminal in an NFC mode, and verifying according to the user identification number;
and S5, after the verification is passed, the system book of the mobile terminal is recorded into the NFC communication terminal in an NFC mode, and the user identification number and the transaction information ciphertext of the NFC communication terminal are obtained for encryption.
Preferably, the fingerprint operation input by the user on the application program of the mobile terminal is to determine whether the application program belongs to a preset payment application program, and if the application program belongs to the preset payment application program, determine whether the fingerprint operation is a preset unlocking operation, and if the fingerprint operation is not the preset unlocking operation, determine that the fingerprint operation is a payment behavior.
Preferably, the payment information includes payment time and a name of an application program corresponding to the payment behavior.
Preferably, the designated NFC communication terminal is registered through a user identification number, where the user identification number includes a UID number or/and an IMSI number of the NFC communication terminal.
Preferably, the NFC method is used to acquire whether the user id of the NFC communication terminal is a registered NFC communication terminal, and if not, the designated NFC communication terminal is registered through the user id.
Preferably, whether the NFC communication terminal is consistent with information in a system book through a user identification number and whether information contained in the decrypted transaction information ciphertext is consistent with a transaction information ciphertext in the mobile terminal is judged, and when the transaction information ciphertext is consistent with the information of the user identification number, the system book is processed and read.
Preferably, the NFC communication terminal is configured to provide an electronic account book in an NFC manner.
A mobile payment transaction electronic ledger device comprising:
the acquisition module is used for acquiring the user identification number of the NFC communication terminal in an NFC mode;
the verification module acquires a user identification number of the NFC communication terminal in an NFC mode and verifies the user identification number;
the encryption module is used for receiving a system account book of the appointed mobile terminal when the verification is passed, and encrypting the system account book by acquiring a user identification number and a transaction information ciphertext of the NFC communication terminal;
the decryption module is used for reading the appointed electronic account book of the NFC communication terminal and decrypting the transaction information ciphertext of the electronic account book by using the user identification number of the NFC communication terminal when the verification is passed;
the receiving and sending module is used for receiving or sending the transaction information and the transaction information ciphertext as an electronic account book into the mobile terminal;
the judgment module is used for acquiring a system account book list in the NFC communication terminal in an NFC mode and judging whether the system account book list is a user identification number of the NFC communication terminal;
and the bill processing module is used for processing the system account book and providing reading when the judgment module judges that the system account book is positive.
A mobile payment transaction electronic account book device comprises a registration module, wherein the registration module is used for registering the appointed NFC communication terminal through a user identity identification number.
A storage medium storing a computer program executable for implementing the steps of the method as claimed in any one of the above.
The invention has at least the following beneficial effects:
according to the invention, the fingerprint operation input by the user is acquired, the fingerprint operation is determined to be the payment behavior, the payment information corresponding to the payment behavior is added to the system bill of the mobile terminal as the one-time payment record, so that the user can conveniently carry out unified record and management on all the payment behaviors, the overall convenience and practicability are improved, the system account book in the mobile terminal is encrypted and stored through the NFC communication terminal, the identity of the user can be accurately identified through identity verification through the NFC communication terminal, meanwhile, the safety of the system account book is improved, the carrying is convenient, and the overall convenience is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, 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 invention, 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 flow chart of the present invention;
fig. 2 is a functional block diagram of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1-2, a method for generating an electronic account book for mobile payment transaction includes acquiring a fingerprint operation input by a user, determining that the fingerprint operation is a payment behavior, and adding payment information corresponding to the payment behavior as a payment record into a system account book of a mobile terminal.
The scheme has the following working processes:
s1, acquiring fingerprint operation input by a user on an application program of the mobile terminal;
s2, determining the payment behavior of the user for acquiring the fingerprint;
s3, adding payment information corresponding to the payment behavior determined in the S2 into a system ledger of the mobile terminal as a one-time payment record;
s4, acquiring a user identification number of the NFC communication terminal in an NFC mode, and verifying according to the user identification number;
and S5, after the verification is passed, the system book of the mobile terminal is recorded into the NFC communication terminal in an NFC mode, and the user identification number and the transaction information ciphertext of the NFC communication terminal are obtained for encryption.
According to the working process, the following steps are known:
the invention provides a method for determining that fingerprint operation is payment behavior by acquiring fingerprint operation input by a user, adding payment information corresponding to the payment behavior as one-time payment record into a system bill of a mobile terminal, facilitating the user to uniformly record and manage all payment behaviors of the user, improving the overall convenience and practicability, carrying out encrypted storage on a system account book in the mobile terminal through an NFC communication terminal, carrying out identity verification through the NFC communication terminal, accurately identifying the identity of the user, improving the safety of the system account book, facilitating carrying and improving the overall convenience.
Further, the fingerprint operation input by the user on the application program of the mobile terminal is used for judging whether the application program belongs to a preset payment application program, if the application program belongs to the preset payment application program, judging whether the fingerprint operation is a preset unlocking operation, and if the fingerprint operation is not the preset unlocking operation, determining that the fingerprint operation is a payment behavior.
Further, the payment information includes payment time and a name of an application program corresponding to the payment behavior.
Further, the designated NFC communication terminal is registered through a user identity identification number, wherein the user identity identification number comprises the UID number or/and the IMSI number of the NFC communication terminal.
Further, the method includes acquiring whether a user identification number of the NFC communication terminal is a registered NFC communication terminal in an NFC manner, and if not, registering the designated NFC communication terminal through the user identification number.
And further, judging whether the NFC communication terminal is consistent with information in a system account book through a user identity number and whether information contained in the decrypted transaction information ciphertext is consistent with a transaction information ciphertext in the mobile terminal, and processing the system account book to provide reading when the transaction information ciphertext is consistent with the information of the user identity number.
Further, the NFC communication terminal is configured to provide an electronic account book in an NFC manner.
A mobile payment transaction electronic ledger device comprising:
the acquisition module is used for acquiring the user identification number of the NFC communication terminal in an NFC mode;
the verification module acquires a user identification number of the NFC communication terminal in an NFC mode and verifies the user identification number;
the encryption module is used for receiving a system account book of the appointed mobile terminal when the verification is passed, and encrypting the system account book by acquiring a user identification number and a transaction information ciphertext of the NFC communication terminal;
the decryption module is used for reading the appointed electronic account book of the NFC communication terminal and decrypting the transaction information ciphertext of the electronic account book by using the user identification number of the NFC communication terminal when the verification is passed;
the receiving and sending module is used for receiving or sending the transaction information and the transaction information ciphertext as an electronic account book into the mobile terminal;
the judgment module is used for acquiring a system account book list in the NFC communication terminal in an NFC mode and judging whether the system account book list is a user identification number of the NFC communication terminal;
and the bill processing module is used for processing the system account book and providing reading when the judgment module judges that the system account book is positive.
A mobile payment transaction electronic account book device comprises a registration module, wherein the registration module is used for registering the appointed NFC communication terminal through a user identity identification number.
A storage medium storing a computer program executable for implementing the steps of the method as claimed in any one of the above.
The foregoing shows and describes the general principles, essential features, and advantages of the invention. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, which are merely illustrative of the principles of the invention, but that various changes and modifications may be made without departing from the spirit and scope of the invention, which fall within the scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (10)
1. A mobile payment transaction electronic account book generation method comprises a fingerprint operation input by a user, and is characterized in that the fingerprint operation input by the user is obtained, the fingerprint operation is determined to be a payment behavior, payment information corresponding to the payment behavior is added to a system account book of a mobile terminal as a payment record, and the step of obtaining the fingerprint operation input by the user comprises the following steps:
s1, acquiring fingerprint operation input by a user on an application program of the mobile terminal;
s2, determining the payment behavior of the user for acquiring the fingerprint;
s3, adding payment information corresponding to the payment behavior determined in the S2 into a system ledger of the mobile terminal as a one-time payment record;
s4, acquiring a user identification number of the NFC communication terminal in an NFC mode, and verifying according to the user identification number;
and S5, after the verification is passed, the system book of the mobile terminal is recorded into the NFC communication terminal in an NFC mode, and the user identification number and the transaction information ciphertext of the NFC communication terminal are obtained for encryption.
2. The method as claimed in claim 1, wherein the fingerprint operation inputted by the user on the application program of the mobile terminal determines whether the application program belongs to a predetermined payment application program, determines whether the fingerprint operation is a predetermined unlock operation if the application program belongs to the predetermined payment application program, and determines that the fingerprint operation is a payment behavior if the fingerprint operation is not the predetermined unlock operation.
3. The method as claimed in claim 1, wherein the payment information includes payment time and name of application program corresponding to the payment action.
4. The method of claim 1, wherein the designated NFC communication terminal is registered with a user id number, the user id number including a UID number or/and an IMSI number of the NFC communication terminal.
5. The method as claimed in claim 1, further comprising the step of acquiring whether the user id of the NFC terminal is a registered NFC terminal by NFC, and if not, registering the designated NFC terminal with the user id.
6. The method as claimed in claim 1, further comprising determining whether the NFC communication terminal is consistent with the information in the system ledger via the user id, and whether the information contained in the decrypted transaction information cryptogram is consistent with the transaction information cryptogram in the mobile terminal, and when the transaction information cryptogram is consistent with the information of the user id, processing the system ledger to provide a read.
7. The electronic ledger method for mobile payment transaction of claim 1, further comprising, the NFC communication terminal, for providing electronic ledgers by NFC.
8. A mobile payment transaction electronic ledger device, comprising:
the acquisition module is used for acquiring the user identification number of the NFC communication terminal in an NFC mode;
the verification module acquires a user identification number of the NFC communication terminal in an NFC mode and verifies the user identification number;
the encryption module is used for receiving a system account book of the appointed mobile terminal when the verification is passed, and encrypting the system account book by acquiring a user identification number and a transaction information ciphertext of the NFC communication terminal;
the decryption module is used for reading the appointed electronic account book of the NFC communication terminal and decrypting the transaction information ciphertext of the electronic account book by using the user identification number of the NFC communication terminal when the verification is passed;
the receiving and sending module is used for receiving or sending the transaction information and the transaction information ciphertext as an electronic account book into the mobile terminal;
the judgment module is used for acquiring a system account book list in the NFC communication terminal in an NFC mode and judging whether the system account book list is a user identification number of the NFC communication terminal;
and the bill processing module is used for processing the system account book and providing reading when the judgment module judges that the system account book is positive.
9. The electronic account book device for mobile payment transaction is characterized by comprising a registration module, wherein the registration module is used for registering the appointed NFC communication terminal through a user identity identification number.
10. A mobile payment transaction electronic ledger storage medium, characterized in that the storage medium stores a computer program executable for implementing the steps of a method as claimed in any one of the above.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110415264.3A CN113011881A (en) | 2021-04-18 | 2021-04-18 | Mobile payment transaction electronic account book generation method and device and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110415264.3A CN113011881A (en) | 2021-04-18 | 2021-04-18 | Mobile payment transaction electronic account book generation method and device and storage medium |
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| CN113011881A true CN113011881A (en) | 2021-06-22 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117171720A (en) * | 2023-08-17 | 2023-12-05 | 哈尔滨工业大学 | Data attribution right identification system and method based on behavior fingerprint |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117171720A (en) * | 2023-08-17 | 2023-12-05 | 哈尔滨工业大学 | Data attribution right identification system and method based on behavior fingerprint |
| CN117171720B (en) * | 2023-08-17 | 2024-03-22 | 哈尔滨工业大学 | Data attribution right identification system and method based on behavior fingerprint |
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Application publication date: 20210622 |