CN113205335A - Payment management method and device and computer readable storage medium - Google Patents
Payment management method and device and computer readable storage medium Download PDFInfo
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- CN113205335A CN113205335A CN202110421295.XA CN202110421295A CN113205335A CN 113205335 A CN113205335 A CN 113205335A CN 202110421295 A CN202110421295 A CN 202110421295A CN 113205335 A CN113205335 A CN 113205335A
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- 238000007726 management method Methods 0.000 title claims abstract description 65
- 238000012795 verification Methods 0.000 claims abstract description 107
- 238000013475 authorization Methods 0.000 claims description 17
- 238000012986 modification Methods 0.000 claims description 15
- 230000004048 modification Effects 0.000 claims description 15
- 230000001960 triggered effect Effects 0.000 claims description 10
- 238000012790 confirmation Methods 0.000 claims description 4
- 230000006870 function Effects 0.000 description 9
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- 238000004891 communication Methods 0.000 description 8
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
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Abstract
The invention discloses a payment management method, a device and a computer readable storage medium, wherein the payment management method is applied to wearing equipment and comprises the following steps: detecting whether a password resetting condition is met or not when the wearable device executes a payment operation; if the password resetting condition is met, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing equipment is bound with the user terminal; and receiving the verification information transmitted by the user terminal so as to execute password resetting operation on the payment password based on the verification information. The wearing terminal can execute the password resetting operation after the user terminal is verified, so that other people cannot modify the password at will, the password can be modified only by the user wearing the device, and the safety of the payment function is improved.
Description
Technical Field
The invention relates to the technical field of intelligent wearing equipment, in particular to a payment management method and device and a computer readable storage medium.
Background
With the widespread use of wearable devices, the scenes of payment by users using wearable devices are also more and more frequent.
At present, a lot of intelligent wearing devices are available on the market, the intelligent wearing devices are generally provided with payment functions, and the payment functions of the intelligent wearing devices need to be monitored by a user terminal, for example, the intelligent wearing devices of children need to pay or modify passwords under the authorization of a parent user terminal. When the user who wears the equipment is the user (children) that security consciousness is weak, when using intelligent wearing equipment to pay, because easily lose wrong password and lead to needing to modify the password for it verifies to wearing equipment, and the security of current verification mode is lower, makes and wears equipment to produce the mistake easily and modify and the security is lower when modifying the payment password at intelligence.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a payment management method, a payment management device and a computer readable storage medium, and aims to solve the technical problem that the security of wearing equipment is low when a payment password is modified.
In order to achieve the above object, the present invention provides a payment management method, which is applied to a wearable device, and includes the following steps:
detecting whether a password resetting condition is met or not when the wearable device executes a payment operation;
if the password resetting condition is met, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing equipment is bound with the user terminal;
and receiving the verification information transmitted by the user terminal so as to execute password resetting operation on the payment password based on the verification information.
Optionally, the step of detecting whether a password resetting condition is met when the wearable device performs a payment operation includes:
when the wearable device executes payment operation, acquiring input times corresponding to input payment passwords;
and if the input times reach preset times, judging that the password resetting condition is met.
Optionally, the step of detecting whether a password resetting condition is met when the wearable device performs a payment operation includes:
detecting whether a determination instruction of forgetting a password is triggered or not when the wearable device executes payment operation;
if the confirmation instruction of forgetting the password is triggered, the password resetting condition is judged to be met.
Optionally, the step of performing a password resetting operation on the payment password based on the authentication information includes:
receiving input verification information of the wearing equipment, and transmitting the input verification information to the server, so that the server transmits authorization information of password resetting to the wearing equipment when detecting that the input verification information is consistent with the verification information;
and when the authorization information transmitted by the server is received, password resetting operation is carried out on the payment password.
Optionally, the step of performing a password resetting operation on the payment password when receiving the authorization information transmitted by the server includes:
receiving input modification information when the authorization information transmitted by the server is received;
and taking the payment password corresponding to the modification information as a new payment password, and synchronizing the modification information to the server.
In addition, in order to achieve the above object, the present invention further provides a payment management method, where the payment management method is applied to a user terminal, and the payment management method includes the following steps:
when verification information for modifying the payment password transmitted by a server is received, verifying wearing equipment, wherein the wearing equipment is bound with the user terminal;
and when the authentication of the wearing equipment passes, the authentication information is sent to the wearing equipment so that the wearing equipment can execute password resetting operation based on the authentication information.
Optionally, the verification corresponding to the verification of the wearing device includes at least one of face verification, voice call verification, or video call verification.
In addition, to achieve the above object, the present invention also provides a payment management apparatus, including: a memory, a processor and a payment management program stored on the memory and executable on the processor, the payment management program when executed by the processor implementing the steps of the payment management method as described above.
In addition, to achieve the above object, the present invention also provides a payment management apparatus, including: a memory, a processor and a payment management program stored on the memory and executable on the processor, the payment management program when executed by the processor implementing the steps of the payment management method as described above.
Furthermore, to achieve the above object, the present invention also provides a computer-readable storage medium having a payment management program stored thereon, which when executed by a processor implements the steps of the payment management method as described above.
The invention detects whether the password resetting condition is met or not when the wearable device executes the payment operation; if the password resetting condition is met, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing equipment is bound with the user terminal; and receiving the verification information transmitted by the user terminal so as to execute password resetting operation on the payment password based on the verification information. In the embodiment, when the equipment carries out payment, if the equipment is detected to be worn to meet the password resetting condition, the authentication information is requested to be sent to the server; the server transmits the verification information to the user terminal, the user terminal transmits the verification information to the wearing equipment after carrying out identity verification on the wearing equipment, and the wearing equipment can modify the password according to the verification information.
Drawings
Fig. 1 is a schematic structural diagram of a payment management apparatus in a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a payment management method according to a first embodiment of the present invention;
FIG. 3 is a flowchart illustrating a payment management method according to a second embodiment of the present invention;
fig. 4 is a flowchart illustrating a payment management method according to another embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, fig. 1 is a schematic structural diagram of a payment management apparatus in a hardware operating environment according to an embodiment of the present invention.
The payment management device in the embodiment of the invention can be a PC, and can also be a mobile terminal device with a display function, such as a smart phone, a tablet computer, an electronic book reader, an MP3(Moving Picture Experts Group Audio Layer III, dynamic video Experts compression standard Audio Layer 3) player, an MP4(Moving Picture Experts Group Audio Layer IV, dynamic video Experts compression standard Audio Layer 4) player, a portable computer and the like.
As shown in fig. 1, the payment management apparatus may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Optionally, the payment management apparatus may further include a camera, a Radio Frequency (RF) circuit, a sensor, an audio circuit, a WiFi module, and the like. Such as light sensors, motion sensors, and other sensors. In particular, the light sensor may include an ambient light sensor that adjusts the brightness of the display screen based on the ambient light level and a proximity sensor that turns off the display screen and/or backlight when the payment management device is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), detect the magnitude and direction of gravity when the device is stationary, and can be used for applications (such as horizontal and vertical screen switching, related games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer and tapping) and the like for recognizing the attitude of the payment management device; of course, the payment management device may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which are not described herein again.
Those skilled in the art will appreciate that the configuration of the payment management apparatus shown in fig. 1 does not constitute a limitation of the payment management apparatus and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a payment management program.
In the payment management apparatus shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be used to invoke a payment management program stored in the memory 1005.
In this embodiment, the payment management apparatus includes: a memory 1005, a processor 1001, and a payment management program stored on the memory 1005 and executable on the processor 1001, wherein the processor 1001, when calling the payment management program stored in the memory 1005, performs the following operations:
detecting whether a password resetting condition is met or not when the wearable device executes a payment operation;
if the password resetting condition is met, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing equipment is bound with the user terminal;
and receiving the verification information transmitted by the user terminal so as to execute password resetting operation on the payment password based on the verification information.
Further, the processor 1001 may call the payment management program stored in the memory 1005, and also perform the following operations:
when the wearable device executes payment operation, acquiring input times corresponding to input payment passwords;
and if the input times reach preset times, judging that the password resetting condition is met.
Further, the processor 1001 may call the payment management program stored in the memory 1005, and also perform the following operations:
detecting whether a determination instruction of forgetting a password is triggered or not when the wearable device executes payment operation;
if the confirmation instruction of forgetting the password is triggered, the password resetting condition is judged to be met.
Further, the processor 1001 may call the payment management program stored in the memory 1005, and also perform the following operations:
receiving input verification information of the wearing equipment, and transmitting the input verification information to the server, so that the server transmits authorization information of password resetting to the wearing equipment when detecting that the input verification information is consistent with the verification information;
and when the authorization information transmitted by the server is received, password resetting operation is carried out on the payment password.
Further, the processor 1001 may call the payment management program stored in the memory 1005, and also perform the following operations:
receiving input modification information when the authorization information transmitted by the server is received;
and taking the payment password corresponding to the modification information as a new payment password, and synchronizing the modification information to the server.
Further, the processor 1001 may call the payment management program stored in the memory 1005, and also perform the following operations:
when verification information for modifying the payment password transmitted by a server is received, verifying wearing equipment, wherein the wearing equipment is bound with the user terminal;
and when the authentication of the wearing equipment passes, the authentication information is sent to the wearing equipment so that the wearing equipment can execute password resetting operation based on the authentication information.
The invention also provides a payment management method, and referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the payment management method of the invention.
In this embodiment, the payment management method includes the steps of:
step S10, when the wearable device executes a payment operation, detecting whether a password reset condition is satisfied;
the payment management method provided by the invention is applied to wearing equipment, and the wearing equipment is intelligent wearable equipment which can be an intelligent watch, augmented reality equipment or electronic glasses and the like. The wearable device is matched with the user terminal for use, namely the wearable device is bound with the user terminal, the user terminal is in communication connection with the wearable device, the user terminal is a monitoring terminal of the wearable device, namely the user terminal of the wearable device can monitor and manage the wearable device in real time, for example, the user terminal can control the payment function of the wearable device, and the wearable device can pay or modify a payment password after being authorized by the user terminal. The user terminal is provided with a target management application capable of monitoring and managing the wearing equipment, and the user terminal can bind the wearing equipment through the target management application, so that the plurality of wearing equipment can be monitored and managed.
In this embodiment, when the wearable device executes the payment operation, that is, when the wearable device is paying, it is detected whether the current payment operation satisfies the password resetting condition, so as to determine whether the wearable device triggers the password resetting condition when paying. The password resetting condition comprises the steps that a payment password is input for a preset input time and/or a determination instruction that a user forgets the password when the user wears the terminal is received.
Step S20, if the password resetting condition is satisfied, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing device is bound with the user terminal;
in this embodiment, if it is detected that the wearable device satisfies the password resetting condition when performing the payment operation, an acquisition request of the authentication information is transmitted to the server; and after receiving the acquisition request of the verification information, the server sends the verification information to the user terminal bound with the wearing equipment. It should be noted that, the server sends the verification to the user terminal bound to the wearing device, rather than directly transmitting the verification information to the wearing device, and the purpose is to authorize the wearing device to modify the password after the verification is performed by the user terminal, so as to prevent the payment password from being tampered by the user who pretends to be the wearing device, and prevent other people from stealing the payment password.
And step S30, receiving the authentication information transmitted by the user terminal, and performing a password resetting operation on the payment password based on the authentication information.
In this embodiment, after the server transmits the verification information to the user terminal, the user terminal performs identity verification on the wearing device after receiving the verification information, so as to verify whether the wearing device belongs to the user of the wearing device. When the identity authentication of the wearing equipment passes, the wearing equipment is indicated to belong to the user of the wearing equipment, the user terminal transmits authentication information to the wearing equipment, the wearing equipment receives the authentication information transmitted by the user terminal, and therefore password resetting operation can be performed on the payment password based on the authentication information.
The authentication mode corresponding to the authentication of the wearing equipment comprises at least one of face authentication, voice call authentication or video call authentication. Specifically, when the verification mode is face verification, the user terminal collects target face information of a user wearing the equipment, verifies whether the target face information is matched with prestored face information or not, and if the target face information is matched with the prestored face information, the wearing terminal passes verification. And when the verification mode is voice call verification, the user terminal initiates voice call to the wearing equipment to acquire the voice information of the user wearing the equipment, matches the target voiceprint information contained in the voice information with the prestored voiceprint information, and if the target voiceprint information is matched with the prestored voiceprint information, the wearing terminal passes the verification. And when the verification mode is video call verification, the user terminal initiates a video call to the wearing equipment to acquire the voice information and the target face information of the user of the wearing equipment, matches the target voiceprint information contained in the voice information with the pre-stored voiceprint information and matches the target face information with the pre-stored face information, and if the target voiceprint information is matched with the pre-stored voiceprint information and the target face information is matched with the pre-stored face information, the wearing terminal passes the verification.
In the payment management method provided by this embodiment, when the wearable device executes a payment operation, whether a password resetting condition is satisfied is detected; if the password resetting condition is met, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing equipment is bound with the user terminal; and receiving the verification information transmitted by the user terminal so as to execute password resetting operation on the payment password based on the verification information. In the embodiment, when the equipment carries out payment, if the equipment is detected to be worn to meet the password resetting condition, the authentication information is requested to be sent to the server; the server transmits the verification information to the user terminal, the user terminal transmits the verification information to the wearing equipment after carrying out identity verification on the wearing equipment, and the wearing equipment can modify the password according to the verification information.
Based on the first embodiment, a second embodiment of the payment management method of the present invention is proposed, and referring to fig. 3, in this embodiment, step S10 includes:
step S101, when the wearable device executes payment operation, acquiring input times corresponding to input payment passwords;
and step S102, if the input times reach preset times, judging that the password resetting condition is met.
In this embodiment, when the password resetting condition is that the input payment password reaches the preset number of times, and the wearable device executes the payment operation, acquiring the input number of times corresponding to the input payment password, and detecting whether the input number of times corresponding to the input payment password reaches the preset number of times; if the input times corresponding to the input payment password reach the preset times, the password resetting condition is judged to be met, and the password resetting condition is triggered when the wearing equipment carries out payment. The preset times are generally 3 times, that is, as long as the number of times of inputting the password by the wearing device exceeds 3 times, the password resetting condition is met if the number of times of inputting the payment password is too large, and the password resetting instruction is triggered, so that the payment password is prevented from being input for many times during payment, and the payment function of the wearing device is prevented from being embezzled by other people.
Further, the step of detecting whether a password reset condition is satisfied when the wearable device performs a payment operation includes:
step S111, when the wearable device executes payment operation, detecting whether a confirmation instruction of forgetting a password is triggered;
in step S112, if the password forgetting determination command is triggered, it is determined that the password resetting condition is satisfied.
In this embodiment, when the password resetting condition is that a determination instruction that the user forgets the password when wearing the terminal is received and the device is used for performing payment operation, if the determination instruction that the user forgets the password when wearing the terminal is received, it is determined that the password resetting condition is satisfied, and the device is used for triggering the password resetting condition when performing payment.
Further, the step of performing a password reset operation on the payment password based on the authentication information includes:
step S31, receiving input authentication information of the wearable device, and transmitting the input authentication information to the server, so that the server transmits authorization information for password resetting to the wearable device when detecting that the input authentication information is consistent with the authentication information;
and step S32, when the authorization information transmitted by the server is received, password resetting operation is carried out on the payment password.
In this embodiment, when the authentication of the wearable device is passed, it indicates that the wearable device belongs to the user of the wearable device, and the user terminal transmits the authentication information to the wearable device, so that the wearable device receives the authentication information transmitted by the user terminal, and thus, the password resetting operation can be performed on the payment password based on the authentication information. Specifically, the wearing equipment receives input verification information and transmits the input verification information to the server, so that the server compares the input verification information with original verification information to detect whether the input verification information is consistent with the verification information; and if the input verification information is detected to be consistent with the verification information, authorizing the wearing equipment to execute password resetting operation on the payment password.
Further, the step of performing a password resetting operation on a payment password upon receiving the authorization information transmitted by the server includes:
receiving input modification information when the authorization information transmitted by the server is received;
and taking the payment password corresponding to the modification information as a new payment password, and synchronizing the modification information to the server.
In this embodiment, if the authorization information of the password reset of the server is received, which indicates that the input authentication information is consistent with the authentication information, the input modification information is received, the payment password corresponding to the modification information is used as a new payment password, and the new payment password is synchronized to the server.
In the payment management method provided by the embodiment, when the wearable device executes the payment operation, the input times corresponding to the input payment password are acquired; and if the input times reach preset times, judging that the password resetting condition is met. In this embodiment, when wearing equipment input payment password number of times at present is too much, then satisfy the password reset condition, trigger the instruction of resetting the password, input payment password many times when avoiding paying from this to avoid other people to embezzle the payment function who wears equipment, promoted the security of wearing equipment payment function.
In addition, an embodiment of the present invention further provides a payment management method, and referring to fig. 4, fig. 4 is a schematic flow diagram of another embodiment of the payment management method of the present invention.
In this embodiment, the payment management method includes the steps of:
step S100, when verification information for modifying the payment password transmitted by a server is received, verifying wearing equipment, wherein the wearing equipment is bound with the user terminal;
the payment management method provided by the invention is applied to the user terminal, the user terminal is a monitoring terminal of the wearing equipment, namely the user terminal of the wearing equipment can monitor and manage the wearing equipment in real time, for example, the user terminal can control the payment function of the wearing equipment, and the wearing equipment can pay or modify a payment password after being authorized by the user terminal. The user terminal is provided with a target management application capable of monitoring and managing the wearing equipment, and the user terminal can bind the wearing equipment through the target management application, so that the plurality of wearing equipment can be monitored and managed. The wearable device is an intelligent wearable device and can be an intelligent watch, an augmented reality device or electronic glasses and the like. The wearing equipment is used in cooperation with the user terminal, namely the wearing equipment is bound with the user terminal, the user terminal is in communication connection with the wearing equipment,
in this embodiment, when the wearable device executes the payment operation, that is, when the wearable device is paying, it is detected whether the current payment operation satisfies the password resetting condition, so as to determine whether the wearable device triggers the password resetting condition when paying. The password resetting condition comprises the steps that a payment password is input for a preset input time and/or a determination instruction that a user forgets the password when the user wears the terminal is received. If the wearable device is detected to meet the password resetting condition when the payment operation is executed, transmitting an acquisition request of verification information to a server; and after receiving the acquisition request of the verification information, the server sends the verification information to the user terminal bound with the wearing equipment. It should be noted that, the server sends the verification to the user terminal bound to the wearing device, rather than directly transmitting the verification information to the wearing device, and the purpose is to authorize the wearing device to modify the password after the verification is performed by the user terminal, so as to prevent the payment password from being tampered by the user who pretends to be the wearing device, and prevent other people from stealing the payment password.
Step S200, when the wearing equipment passes the verification, the verification information is sent to the wearing equipment so that the wearing equipment can execute password resetting operation based on the verification information.
In this embodiment, after the server transmits the verification information to the user terminal, the user terminal performs identity verification on the wearing device after receiving the verification information, so as to verify whether the wearing device belongs to the user of the wearing device. When the identity authentication of the wearing equipment passes, the wearing equipment is indicated to belong to the user of the wearing equipment, the user terminal transmits authentication information to the wearing equipment, the wearing equipment receives the authentication information transmitted by the user terminal, and therefore password resetting operation can be performed on the payment password based on the authentication information.
Further, the authentication mode corresponding to the authentication of the wearing device by the user terminal includes at least one of face authentication, voice call authentication or video call authentication.
Specifically, when the verification mode is face verification, the user terminal collects target face information of a user wearing the equipment, verifies whether the target face information is matched with prestored face information or not, and if the target face information is matched with the prestored face information, the wearing terminal passes verification. And when the verification mode is voice call verification, the user terminal initiates voice call to the wearing equipment to acquire the voice information of the user wearing the equipment, matches the target voiceprint information contained in the voice information with the prestored voiceprint information, and if the target voiceprint information is matched with the prestored voiceprint information, the wearing terminal passes the verification. And when the verification mode is video call verification, the user terminal initiates a video call to the wearing equipment to acquire the voice information and the target face information of the user of the wearing equipment, matches the target voiceprint information contained in the voice information with the pre-stored voiceprint information and matches the target face information with the pre-stored face information, and if the target voiceprint information is matched with the pre-stored voiceprint information and the target face information is matched with the pre-stored face information, the wearing terminal passes the verification.
In the payment management method provided by the embodiment, when verification information for modifying a payment password transmitted by a server is received, a wearing device is verified, wherein the wearing device is bound with a user terminal; and when the authentication of the wearing equipment passes, the authentication information is sent to the wearing equipment so that the wearing equipment can execute password resetting operation based on the authentication information. In the embodiment, when the equipment carries out payment, if the equipment is detected to be worn to meet the password resetting condition, the authentication information is requested to be sent to the server; the server transmits the verification information to the user terminal, the user terminal transmits the verification information to the wearing equipment after carrying out identity verification on the wearing equipment, and the wearing equipment can modify the password according to the verification information.
Furthermore, an embodiment of the present invention further provides a computer-readable storage medium, where a payment management program is stored, and the payment management program, when executed by a processor, implements the steps of the payment management method according to any one of the above.
The specific embodiment of the computer-readable storage medium of the present invention is substantially the same as the embodiments of the payment management method described above, and will not be described in detail herein.
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 invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A payment management method applied to a wearable device, the payment management method comprising the steps of:
detecting whether a password resetting condition is met or not when the wearable device executes a payment operation;
if the password resetting condition is met, transmitting an acquisition request of verification information to a server so that the server can transmit the verification information to a user terminal, wherein the wearing equipment is bound with the user terminal;
and receiving the verification information transmitted by the user terminal so as to execute password resetting operation on the payment password based on the verification information.
2. The payment management method of claim 1, wherein the step of detecting whether a password reset condition is satisfied when the wearable device performs a payment operation comprises:
when the wearable device executes payment operation, acquiring input times corresponding to input payment passwords;
and if the input times reach preset times, judging that the password resetting condition is met.
3. The payment management method of claim 1, wherein the step of detecting whether a password reset condition is satisfied when the wearable device performs a payment operation comprises:
detecting whether a determination instruction of forgetting a password is triggered or not when the wearable device executes payment operation;
if the confirmation instruction of forgetting the password is triggered, the password resetting condition is judged to be met.
4. The payment management method of any one of claims 1 to 3, wherein the step of performing a password reset operation on the payment password based on the authentication information comprises:
receiving input verification information of the wearing equipment, and transmitting the input verification information to the server, so that the server transmits authorization information of password resetting to the wearing equipment when detecting that the input verification information is consistent with the verification information;
and when the authorization information transmitted by the server is received, password resetting operation is carried out on the payment password.
5. The payment management method of claim 4, wherein the step of performing a password reset operation on the payment password upon receiving the authorization information transmitted by the server comprises:
receiving input modification information when the authorization information transmitted by the server is received;
and taking the payment password corresponding to the modification information as a new payment password, and synchronizing the modification information to the server.
6. A payment management method applied to a user terminal, the payment management method comprising the steps of:
when verification information for modifying the payment password transmitted by a server is received, verifying wearing equipment, wherein the wearing equipment is bound with the user terminal;
and when the authentication of the wearing equipment passes, the authentication information is sent to the wearing equipment so that the wearing equipment can execute password resetting operation based on the authentication information.
7. The payment management method of claim 6, wherein the authentication corresponding to the authentication of the wearable device comprises at least one of face authentication, voice call authentication, or video call authentication.
8. A payment management apparatus, characterized in that the payment management apparatus comprises: memory, a processor and a payment management program stored on the memory and executable on the processor, the payment management program when executed by the processor implementing the steps of the payment management method according to any one of claims 1 to 5.
9. A payment management apparatus, characterized in that the payment management apparatus comprises: memory, a processor and a payment management program stored on the memory and executable on the processor, the payment management program when executed by the processor implementing the steps of the payment management method according to any one of claims 6 to 7.
10. A computer readable storage medium, characterized in that the computer readable storage medium has a payment management program stored thereon, which when executed by a processor implements the steps of the payment management method of any one of claims 1 to 5 or claims 6 to 7.
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| CN202110421295.XA CN113205335A (en) | 2021-04-19 | 2021-04-19 | Payment management method and device and computer readable storage medium |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106452485A (en) * | 2016-07-13 | 2017-02-22 | 杭州致峰网络科技有限公司 | Control system of intelligent wearable device |
| CN305065389S (en) * | 2019-03-15 | |||
| CN111835905A (en) * | 2019-04-17 | 2020-10-27 | 奇酷互联网络科技（深圳）有限公司 | Terminal control method, intelligent terminal and device with storage function |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN305065389S (en) * | 2019-03-15 | |||
| CN106452485A (en) * | 2016-07-13 | 2017-02-22 | 杭州致峰网络科技有限公司 | Control system of intelligent wearable device |
| CN111835905A (en) * | 2019-04-17 | 2020-10-27 | 奇酷互联网络科技（深圳）有限公司 | Terminal control method, intelligent terminal and device with storage function |
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