CN115545697B - Non-inductive payment method, storage medium and electronic equipment - Google Patents

Non-inductive payment method, storage medium and electronic equipment Download PDF

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CN115545697B
CN115545697B CN202211388794.4A CN202211388794A CN115545697B CN 115545697 B CN115545697 B CN 115545697B CN 202211388794 A CN202211388794 A CN 202211388794A CN 115545697 B CN115545697 B CN 115545697B
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consumption
payment
inductive payment
information
user
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CN115545697A (en
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郭文艺
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Guangdong Icar Guard Information Technology Co ltd
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Guangdong Icar Guard Information Technology Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/4015—Transaction verification using location information
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

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  • Computer Security & Cryptography (AREA)
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Abstract

The invention relates to a non-inductive payment method, a storage medium and an electronic device, wherein the non-inductive payment method constructs a non-inductive payment associated area corresponding to a current user by acquiring historical non-inductive payment information, screens out all consumption positions supporting non-inductive payment in the associated area, judges the non-inductive payment action currently executed by the user according to different non-inductive payment authentication security levels matched with the consumption positions of each non-inductive payment, and realizes the non-inductive payment only by matching corresponding authentication conditions without the need of the user to execute series of authorization actions again by the user in the associated area, thereby effectively simplifying the operation steps of the user. And by setting different authentication levels, different security levels of the non-inductive payment are matched for different use scenes, so that the non-inductive payment is convenient for a user, the security of the current non-inductive payment of the user is ensured, the use experience of the non-inductive payment of the user is increased, and the popularization of the non-inductive payment technology is facilitated.

Description

Non-inductive payment method, storage medium and electronic equipment
Technical Field
The application relates to the technical field of mobile payment, in particular to a non-inductive payment method, a storage medium and electronic equipment.
Background
By means of a unique characteristic of an article or a person, binding a related payment tool, and identifying the characteristic through a biological identification mode or an image scanning mode and the like, the payment mode of payment is completed, and the payment process is a non-inductive payment without the steps of opening a payment APP by the person to input a password or physically swiping a card and the like. At present, the non-inductive payment business is gradually expanded from the parking payment mode of a parking lot to the aspect of life, for example, intelligent convenience stores, buses, subways, even gas stations and the like are gradually supported for non-inductive payment.
In the process, the influence of the non-inductive payment on the life of the individual is gradually increased, the non-inductive payment technology in the prior art needs a user to independently open the payment authority to a certain non-inductive payment place, and the non-inductive payment of the place can be realized after a series of non-inductive payment authentication steps are executed, when the user arrives at a new non-inductive payment place, a series of steps such as authorization authentication are needed again for the non-inductive payment place, and the like, so that the complicated operation brings great inconvenience to the user, the non-inductive payment is not convenient any more, and the popularization of the non-inductive payment technology is inconvenient.
Therefore, how to balance the security of personal noninductive payment and facilitate the use of noninductive payment is a problem to be solved.
Disclosure of Invention
In view of the above problems, the application provides a non-inductive payment method, a storage medium and an electronic device, which solve the problems of complex operation and bad experience for a user when the user performs non-inductive payment in a plurality of different non-inductive payment places.
To achieve the above object, in a first aspect, the present invention provides a non-inductive payment method, comprising the steps of:
s101, acquiring historical non-inductive payment information corresponding to a user; the historical non-inductive payment information comprises payment position information and payment times information;
s102, determining a plurality of payment position information with the top ranking of the payment number information, and determining an associated area corresponding to the current user according to the determined payment position information;
s103, screening out all consumption positions supporting the non-inductive payment in the associated area, and correspondingly matching the security level of the non-inductive payment authentication of each consumption position; the non-inductive payment authentication security levels are multiple, and the authentication conditions of different non-inductive payment authentication security levels are different;
s104, judging whether the authentication condition of the user at a certain consumption position is matched with the authentication condition of the non-inductive payment authentication security level corresponding to the consumption position;
S105, if yes, completing the noninductive payment;
s106, if not, the non-inductive payment fails.
In some embodiments, the historical sensorless payment information further includes payment period information and/or payment amount information; the method further comprises the steps of:
s201, judging whether current time stamp information of a user at a certain consumption position is positioned in a payment time information and/or payment amount information range corresponding to the consumption position;
s202, if yes, determining the security level of the non-inductive payment authentication of the consumption position as a first security level;
s203, otherwise, determining the security level of the non-inductive payment authentication of the consumption position as a second security level;
the first security level is lower than the second security level.
In some embodiments, the historical sensorless payment information further includes a consumer product type, the payment location information includes a building attribute type, the building attribute type being stored corresponding to the at least one consumer product type; the method further comprises the steps of:
s301, judging the building attribute type of the current consumption position of the user, and reducing the level of the noninductive payment authentication security level of the consumption product type corresponding to the building attribute type in the current consumption position.
In some embodiments, the method further comprises the steps of:
s401, acquiring activity track information of a user in real time;
s402, after the user is judged to pay successfully in a first consumption position in a non-inductive manner, recording a first consumption type of the current user in the first consumption position, and reducing the grade of the security level of the non-inductive payment authentication of the consumer product matched with the first consumption type in the second consumption position when the user is detected to enter the second consumption position in a preset time period after leaving the first consumption position; the first consumption location is the same type of architectural attribute as the second consumption location.
In some embodiments, the method further comprises the steps of:
s501, acquiring activity track information of a user in real time;
s502, after the user is judged to pay successfully in a first consumption position in a non-inductive manner, recording a first consumption type of the current user at the first consumption position, determining a second consumption type associated with the first consumption type according to the current timestamp information and the building attribute type of the first consumption position and the second consumption position when the user is detected to enter the second consumption position within a preset time period after the user leaves the first consumption position, and reducing the grade of the non-inductive payment authentication security level of the consumption product matched with the second consumption type in the second consumption position.
In some embodiments, the method further comprises the steps of:
s601, acquiring travel route information input by a user, and determining all consumption positions supporting non-inductive payment in the travel route information;
s602, judging the type of the consumer product of which the current user has completed the non-inductive payment in the travel route information, reducing the grade of the non-inductive payment authentication security level of the consumer product which is the same as the type of the consumer product in all the consumption positions in the rest travel route, and increasing or keeping unchanged the grade of the non-inductive payment authentication security level of the consumer product which is different from the type of the consumer product.
In some embodiments, the method further comprises the steps of:
s603, monitoring the geographical position information of the current user in real time;
s604, only the non-inductive payment authentication security level of the consumption position in the preset distance range centering on the geographical position information of the current user in the rest travel route is adjusted, and when detecting that the geographical position information of a certain consumption position and the current user exceeds the preset distance, the non-inductive payment authentication security level of the consumption position is restored to the state before adjustment.
In some embodiments, the non-inductive payment authentication security level includes a first security level, a second security level, and a third security level; the third security level is higher than the second security level, which is higher than the first security level; the first security level corresponds to a first authentication condition, the second security level corresponds to a second authentication condition, and the third security level corresponds to a third authentication condition; the first authentication condition includes: the location information of the current user or a piece of biological information of the current user; the second authentication condition includes: the location information of the current user and a piece of biological information of the current user; the third authentication condition includes: the location information of the current user and at least two pieces of biometric information of the current user.
In a second aspect, the invention also provides a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the method of the first aspect.
In a third aspect, the invention also provides an electronic device comprising a memory and a processor, the memory storing one or more computer program instructions, wherein the one or more computer program instructions are executable by the processor to implement the method of the first aspect.
Compared with the prior art, the technical scheme is characterized in that the history non-inductive payment information is acquired to construct the non-inductive payment associated area corresponding to the current user, all consumption positions supporting non-inductive payment in the associated area are screened out, different non-inductive payment authentication security levels are matched according to the consumption positions of each non-inductive payment, and then the non-inductive payment action currently executed by the user is judged to complete the non-inductive payment action of the user. In addition, by setting different authentication levels and matching different security levels of the non-inductive payment for different use scenes, the invention is convenient for users to use the non-inductive payment, ensures the security of the current non-inductive payment of the users, increases the use experience of the non-inductive payment of the users, and is also convenient for popularization of the non-inductive payment technology.
The foregoing summary is merely an overview of the present application, and is provided to enable one of ordinary skill in the art to make more clear the present application and to be practiced according to the teachings of the present application and to make more readily understood the above-described and other objects, features and advantages of the present application, as well as by reference to the following detailed description and accompanying drawings.
Drawings
The drawings are only for purposes of illustrating the principles, implementations, applications, features, and effects of the present invention and are not to be construed as limiting the application.
In the drawings of the specification:
fig. 1 is a schematic diagram illustrating steps of a non-inductive payment method according to a first exemplary embodiment of the present invention;
FIG. 2 is a schematic diagram of a first association area involved in a non-inductive payment method according to an embodiment of the present invention;
fig. 3 is a schematic diagram illustrating steps of a non-inductive payment method according to a second exemplary embodiment of the present invention;
fig. 4 is a schematic diagram illustrating steps of a non-inductive payment method according to a third exemplary embodiment of the present invention;
fig. 5 is a schematic diagram illustrating steps of a non-inductive payment method according to a fourth exemplary embodiment of the present invention;
Fig. 6 is a schematic diagram illustrating steps of a non-inductive payment method according to a fifth exemplary embodiment of the present invention;
fig. 7 is a schematic diagram of a second association area of a non-inductive payment method according to an embodiment of the invention.
Reference numerals referred to in the above drawings are explained as follows:
1. a first consumption location;
2. a second consumption location;
3. a third consumption location;
4. a first associated consumption location;
5. a second associated consumption location;
6. a third associated consumption location;
7. a first association region;
8. and a second association region.
Detailed Description
In order to describe the possible application scenarios, technical principles, practical embodiments, and the like of the present application in detail, the following description is made with reference to the specific embodiments and the accompanying drawings. The embodiments described herein are only used to more clearly illustrate the technical solutions of the present application, and are therefore only used as examples and are not intended to limit the scope of protection of the present application.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of the phrase "in various places in the specification are not necessarily all referring to the same embodiment, nor are they particularly limited to independence or relevance from other embodiments. In principle, in the present application, as long as there is no technical contradiction or conflict, the technical features mentioned in the embodiments may be combined in any manner to form a corresponding implementable technical solution.
Unless defined otherwise, technical terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present application pertains; the use of related terms herein is for the description of specific embodiments only and is not intended to limit the present application.
In the description of the present application, the term "and/or" is a representation for describing a logical relationship between objects, which means that there may be three relationships, e.g., a and/or B, representing: there are three cases, a, B, and both a and B. In addition, the character "/" herein generally indicates that the front-to-back associated object is an "or" logical relationship.
In this application, terms such as "first" and "second" are used merely to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual number, order, or sequence of such entities or operations.
Without further limitation, the use of the terms "comprising," "including," "having," or other like open-ended terms in this application are intended to cover a non-exclusive inclusion, such that a process, method, or article of manufacture that comprises a list of elements does not include additional elements in the process, method, or article of manufacture, but may include other elements not expressly listed or inherent to such process, method, or article of manufacture.
As in the understanding of the "examination guideline," the expressions "greater than", "less than", "exceeding", and the like are understood to exclude the present number in this application; the expressions "above", "below", "within" and the like are understood to include this number. Furthermore, in the description of the embodiments of the present application, the meaning of "a plurality of" is two or more (including two), and similarly, the expression "a plurality of" is also to be understood as such, for example, "a plurality of groups", "a plurality of" and the like, unless specifically defined otherwise.
In the description of the embodiments of the present application, spatially relative terms such as "center," "longitudinal," "transverse," "length," "width," "thickness," "up," "down," "front," "back," "left," "right," "vertical," "horizontal," "vertical," "top," "bottom," "inner," "outer," "clockwise," "counter-clockwise," "axial," "radial," "circumferential," etc., are used herein as terms of orientation or positional relationship based on the specific embodiments or figures, and are merely for convenience of description of the specific embodiments of the present application or ease of understanding of the reader, and do not indicate or imply that the devices or components referred to must have a particular position, a particular orientation, or be configured or operated in a particular orientation, and therefore are not to be construed as limiting of the embodiments of the present application.
Unless specifically stated or limited otherwise, in the description of the embodiments of the present application, the terms "mounted," "connected," "affixed," "disposed," and the like are to be construed broadly. For example, the "connection" may be a fixed connection, a detachable connection, or an integral arrangement; the device can be mechanically connected, electrically connected and communicated; it can be directly connected or indirectly connected through an intermediate medium; which may be a communication between two elements or an interaction between two elements. The specific meanings of the above terms in the embodiments of the present application can be understood by those skilled in the art to which the present application pertains according to the specific circumstances.
In a first aspect, referring to fig. 1 and 2, the present embodiment provides a non-inductive payment method, which includes the following steps:
s101, acquiring historical non-inductive payment information corresponding to a user; the historical non-inductive payment information comprises payment position information and payment times information;
s102, determining a plurality of payment position information with the top ranking of the payment number information, and determining an associated area corresponding to the current user according to the determined payment position information;
S103, screening out all consumption positions supporting the non-inductive payment in the associated area, and correspondingly matching the security level of the non-inductive payment authentication of each consumption position; the non-inductive payment authentication security levels are multiple, and the authentication conditions of different non-inductive payment authentication security levels are different;
s104, judging whether the authentication condition of the user at a certain consumption position is matched with the authentication condition of the non-inductive payment authentication security level corresponding to the consumption position;
if yes, step S104 is executed to complete the non-inductive payment, step S105;
if step S104 is no, step S106 is executed to fail the non-inductive payment.
When executing step S101, after the user completes the account login, the current user' S historical non-inductive payment information may be obtained, where the historical non-inductive payment information includes payment location information and payment number information, for example, the historical non-inductive payment information of a certain user is recorded as ten-five times in the first consumption location 1 and recorded as 10 times in the second consumption location 2. As a preferred embodiment, the acquisition period of the historical non-inductive payment information may be defined, for example, the current historical non-inductive payment information acquisition period may be set to the last three years or the last three years until today, or the last three years, the period from 8 am to 10 pm, and the historical non-inductive payment information in the acquisition period may be updated periodically.
The plurality of payment position information with the top ranking of the payment frequency information is determined, the most frequent payment position information of the current user, which is used by the non-inductive payment, can be reflected, the more frequent occurrence of the plurality of payment position information in the life of the current user is further indicated, and then the associated area corresponding to the current user is determined according to the plurality of payment position information, and the associated area is indicated as the area which is easier to be involved in the daily life of the current user. The determination mode of the association area specifically comprises the following steps: taking a plurality of pieces of payment position information with high frequency of non-inductive payment as intersection points, and connecting the intersection points in a connecting line mode to form an associated area; as a preferred embodiment, it can be understood with reference to fig. 2, the range of motion (the dotted line represents a part in the figure) of the user around the intersection point can be circled around the intersection point with a preset distance as a radius, and the preset distance will be described later; and connecting the boundaries of the movable ranges corresponding to the plurality of intersection points to form a relevant area which is easily related in the daily life of the user.
The non-inductive payment authentication security level is an authentication security level set according to a non-inductive payment scene, one non-inductive payment authentication security level corresponds to one authentication condition, and the authentication conditions of each non-inductive payment authentication security level are different. The authentication condition is a condition formed from a combination of biometric information of the current user and the object characteristics of the current user. The authentication condition is used for verifying the authority of the current user, verifying whether the current user is the wallet account or is authorized by the wallet account, if the authentication condition is met, completing the noninductive payment action of the current user, if the authentication condition is not met, the noninductive payment action fails, and the user is required to pay in other modes, such as a manual payment mode.
The details can be understood in connection with the following examples:
in a certain usage scenario, the authentication conditions of the non-inductive payment authentication security level are: when the current user enters the intelligent convenience store in the relevant area to pay, the non-inductive payment system in the intelligent convenience store can verify the current user, and the current user is confirmed to consume the corresponding amount by scanning the face of the current user.
The non-inductive payment authentication security level is obtained according to historical non-inductive payment information, the non-inductive payment authentication security level in a plurality of payment position information with the top non-inductive payment frequency ranking in the historical non-inductive payment information is the lowest, the current user can complete non-inductive payment through the object characteristics of the current user, and the non-inductive payment authentication security level can be specifically understood by combining the following examples: the historical non-inductive payment times of the current user in the past three years of the place a are 800 times (assuming that the historical non-inductive payment times are ranked as the first place), so that the current user is obtained within the range of the place a as long as the GPS positioning position on the mobile phone of the user is obtained, and when the current user leaves the place a, the non-inductive payment action is finished, and the user does not need to carry out biological verification such as authorization or face recognition and the like, so that the operation steps of the user are effectively simplified, and the user experience is improved.
Referring to fig. 2, the above technical solution may be understood in combination with the following application scenario:
the consumption frequency of the user h at the first consumption location 1, the second consumption location 2 and the third consumption location 3 is highest, for example, when the consumption is distributed at any one of the three places in an average of three times per day, the user h takes the three places as the center, and the main area with the preset range of the three places as the connecting line is the area which is easily related to the daily life of the user, and is marked as the first related area 7. All consumption locations supporting the non-inductive payment are acquired in the first association zone 7: the first associated consumption position 4, the second associated consumption position 5 and the third associated consumption position 6, and the corresponding payment time information is sequentially as follows: 3. 10, 0, the matched non-inductive payment authentication security level is sequentially lower, lowest and low, the higher the non-inductive payment authentication security level is, the more authentication contents are contained in the authentication condition, otherwise, the lower the non-inductive payment authentication security level is, the less authentication contents are contained in the authentication condition. The authentication conditions required for the third associated consumption location 6 contain the most authentication content, but since all three associated consumption locations are within the first associated area 7, the non-inductive payment authentication security level of these three associated consumption locations is of a lower level than the associated consumption locations outside the first associated area 7. The low authentication condition is set as a piece of biological information of the current user, which can be a face, a fingerprint or an iris, etc., so that when the current user consumes in the third associated consumption location 6, the face, the fingerprint or the iris needs to be provided to complete the payment action of the non-inductive payment, and so on. The lowest authentication condition may be set as the item information, for example, the current user's non-inductive payment action at the consumption location is satisfied only when the GPS location on the current user's mobile phone is detected to be at the second associated consumption location 5, and the corresponding money is automatically deducted once the user generates consumption at the consumption location, without any biometric information being provided by the user.
According to the scheme, the history non-inductive payment information is acquired to construct the non-inductive payment associated area corresponding to the current user, all consumption positions supporting non-inductive payment in the associated area are screened out, different non-inductive payment authentication security levels are matched according to the consumption positions of the non-inductive payments, and then the non-inductive payment action currently executed by the user is judged, so that the non-inductive payment action of the user is completed.
In the process, the user does not need to perform series of authorization actions again in the non-inductive payment action performed in the association area, and the non-inductive payment can be realized only by matching corresponding authentication conditions, so that the operation steps of the user are effectively simplified. In addition, by setting different authentication levels and matching different security levels of the non-inductive payment for different use scenes, the invention is convenient for users to use the non-inductive payment, ensures the security of the current non-inductive payment of the users, increases the use experience of the non-inductive payment of the users, and is also convenient for popularization of the non-inductive payment technology.
Referring to fig. 3, in some embodiments, the historical non-inductive payment information further includes payment period information and/or payment amount information; the method further comprises the steps of:
S201, judging whether current time stamp information of a user at a certain consumption position is positioned in a payment time information and/or payment amount information range corresponding to the consumption position;
s202, if yes, determining the security level of the non-inductive payment authentication of the consumption position as a first security level;
s203, otherwise, determining the security level of the non-inductive payment authentication of the consumption position as a second security level; the first security level is lower than the second security level.
The payment time period information indicates that the current user can generate fixed non-inductive payment consumption information at a certain consumption position within a fixed time period of each day, and the method is suitable for scenes supporting non-inductive payment, such as parking lots or restaurants.
For example, when the current user is at the consumption position a, parking consumption of the parking lot occurs from 8 to 10 points per day on the working day, and the generated non-inductive payment amount is 20 yuan, then when the current user is at the consumption position a from 8 to 10 points in the morning on monday, the non-inductive payment authentication security level of the parking lot is correspondingly determined to be a first security level, and when the current user is at the consumption position a from 8 to 10 points in the morning on the sunday, the non-inductive payment authentication security level of the parking lot is correspondingly determined to be a second security level, and the first security level is lower than the second security level, so that the content of the first authentication condition corresponding to the first security level is less than the second security level. For example, the first authentication condition is a license plate number, the second authentication condition is a face of the current user, and when the current user pays for the parking fee at the consumption position A from 8 points to 10 points on monday, the identification equipment arranged on the parking lot only needs to identify whether the license plate number is matched or not, and if so, the non-inductive payment of the license plate number is completed. When the current user pays the parking fee at the consumption position A from 8 points to 10 points on the sunday, the identification equipment arranged on the parking lot needs to acquire whether the faces of the current user are matched or not, and if so, the non-inductive payment action of the vehicle can be completed.
The payment time information of the current user at a certain consumption position is compared with the time stamp information of the current user at the consumption position, so that the security of the current user for using the non-inductive payment at the consumption position can be effectively improved, and other users are prevented from using the account of the current user for conducting the non-inductive payment in other time periods. The judgment of the payment amount information range is additionally arranged, so that the non-inductive payment safety of the current user at the current consumption position is further improved, once the conventional consumption amount of the current user at the consumption position is exceeded, the non-inductive payment fails, a prompt is sent to the current user to conduct manual payment, the fact that other users maliciously use the account of the current user to conduct non-inductive payment is avoided, and the fund safety of the current user is also ensured. Different non-inductive payment authentication security levels are dynamically allocated in different time periods in the consumption position, so that not only is the non-inductive payment security of the current user ensured, but also the portability of the current user in the non-inductive payment process is improved, and the non-inductive payment action can be completed without inputting complicated authentication information each time.
In some embodiments, the historical sensorless payment information further includes a consumer product type, the payment location information includes a building attribute type, the building attribute type being stored corresponding to the at least one consumer product type; the method further comprises the steps of:
S301, judging the building attribute type of the current consumption position of the user, and reducing the level of the noninductive payment authentication security level of the consumption product type corresponding to the building attribute type in the current consumption position.
Consumer product types include clothing, dining, parking, etc. which can be further subdivided into men's clothing, women's clothing, children's clothing, chinese meal, beverages, convenience stores, etc. as desired. The payment location information includes building attribute types including malls, residential areas, office buildings, parking lots, gas stations, and the like. One building attribute type is stored corresponding to at least one consumer product type, taking major categories as an example, one or more of clothes, dining and parking in a market are necessarily present, at least one parking in a residential area is present, at least one parking in an office building is present, and even dining options are included; the parking lot at least comprises a parking item, and the gas station at least comprises two items of parking and refueling.
Judging the building attribute type of the consumption position of the current user, reducing the level of the non-inductive payment authentication security level of the consumption product type corresponding to the building attribute type in the current consumption position, for example, reducing the level of the non-inductive payment authentication security level of a parking lot when the current user is in the parking lot, for example, reducing the level to a first security level, wherein the corresponding first authentication condition is license plate number or mobile phone GPS positioning of the user, and the non-inductive payment can be completed and parking fee is deducted only by meeting one of the judgment standards. Even if the user is at a place where the non-inductive consumption is carried out for the first time, the current user can correspondingly reduce the security level of the non-inductive payment authentication of other types in the consumption position only by completing the authentication condition of a higher level in one of stores, so that the security of the non-inductive payment of the user is improved.
According to the building attribute type of the consumption position of the user, the non-inductive payment authentication security level of the current user is dynamically matched, authentication steps required by the user when the user performs non-inductive payment at the consumption position can be saved, and experience of the current user on the non-inductive payment is improved. Meanwhile, the premise of reducing the security level of the non-inductive payment authentication is that the current user is located at the consumption site, the premise can effectively improve the security of the non-inductive payment of the current user, and the condition of malicious non-inductive payment by combining with lower authentication conditions is further avoided when other users use the biological information or object information of the current user without permission.
In some embodiments, the location of the area where the user has recently completed the non-inductive payment, or the time when the user has completed the payment is far from the geographic location in the history record and the historical habit payment time, and when the current non-inductive payment level is low, the security level of the non-inductive payment is automatically closed or raised, the user is required to re-authenticate (such as face, fingerprint, etc.), and the security level of these locations is restored.
In other embodiments, it is detected that the same user completes the non-inductive payment consumption at two different geographic locations within a short period of time, and when the current non-inductive payment level is low, the non-inductive payment security level is automatically closed or raised, the user is required to perform authentication again (such as face, fingerprint, etc.), and the security level of these locations is restored.
For example, the current user consumes at the consumption position B, the building attribute information of the consumption position B is a mall, the authentication condition of the current user is GPS positioning of a mobile phone, and the mobile phone of the current user is lost or stolen, so that the current user can adjust the security level of the non-inductive payment authentication to be higher through completing other authentication conditions, for example, the current user can drive out a car in a parking lot, and the security level of the non-inductive payment authentication in the consumption position B is correspondingly adjusted to be higher because the information that the current user drives out of the parking lot is acquired; or, the current user can also realize higher-level non-inductive payment authentication in an area other than the consumption position B, for example, if the non-inductive payment is used for consumption for the first time in the consumption position C, the security level of the non-inductive payment authentication in the consumption position B is correspondingly increased, so that a high-level authentication condition is introduced: the biological information data related to the current user is needed, so that actions of using mobile phones of the current user to pay in a non-inductive manner by other users are avoided, and the security of using the non-inductive payment by the current user is greatly improved. And in the time interval of completing other authentication conditions, the non-inductive payment system can synchronously acquire the amount information of the current non-inductive payment, and once the amount exceeds the conventional consumption amount, the security level of the non-inductive payment authentication is correspondingly increased, so that other users are prevented from maliciously brushing funds of the current user, and the fund security of the current user is ensured.
Referring to fig. 4 and 7, in some embodiments, the method further comprises the steps of:
s401, acquiring activity track information of a user in real time;
s402, after the user is judged to pay successfully in a first consumption position in a non-inductive manner, recording a first consumption type of the current user in the first consumption position, and reducing the grade of the security level of the non-inductive payment authentication of the consumer product matched with the first consumption type in the second consumption position when the user is detected to enter the second consumption position in a preset time period after leaving the first consumption position; the first consumption location is the same type of architectural attribute as the second consumption location.
The information of the moving track can be drawn through GPS positioning, and can be manually input by a user; in some preferred embodiments, the activity track information may be directly obtained by consumption information of the current user that generates the non-inductive payment, for example, when the current user takes a public transportation with the non-inductive payment function, the activity track information of the current user may be obtained only by obtaining a driving route corresponding to the current public transportation.
In this embodiment, the current user's activity track relates to two consumption positions, and is applicable to the adjustment rule of the above-mentioned non-inductive payment authentication security level on the premise that the building attribute types of the first consumption position 1 and the second consumption position 2 are the same. For example, the first consumption location 1 is a mall, and the second consumption location 2 is also a mall; alternatively, the first consumption location 1 is an office building and the second consumption location 2 is an office building. The first consumption type of the user at the first consumption position 1 can be one or a plurality of consumption types, the consumption types of the plurality of first consumption types are different, the number of the second consumption types of the user at the second consumption position 2 corresponds to the first consumption type one by one, and when the first consumption type is a plurality of consumption types, the second consumption type is a plurality of consumption types. For example, the first consumption position 1 is a market, the first consumption type comprises dining and clothes, then when the second consumption position 2 is also a market, the second consumption type is dining and clothes, and when the current user arrives at the second consumption position 2, the grade of the security level of the non-inductive payment authentication corresponding to the second consumption type is reduced, so that the user can continuously conduct the non-inductive payment of the clothes and the dining type, a new authorization step or a non-inductive payment authentication step is not required to be input again from store to store, the use experience of the non-inductive payment is improved, and real non-inductive payment is realized.
Referring to fig. 5 and 7, in some embodiments, the method further comprises the steps of:
s501, acquiring activity track information of a user in real time;
s502, after the user is judged to pay successfully in a first consumption position in a non-inductive manner, recording a first consumption type of the current user at the first consumption position, determining a second consumption type associated with the first consumption type according to the current timestamp information and the building attribute type of the first consumption position and the second consumption position when the user is detected to enter the second consumption position within a preset time period after the user leaves the first consumption position, and reducing the grade of the non-inductive payment authentication security level of the consumption product matched with the second consumption type in the second consumption position.
The information of the moving track can be drawn through GPS positioning, and can be manually input by a user; in some preferred embodiments, the activity track information may be directly obtained by consumption information of the current user that generates the non-inductive payment, for example, when the current user takes a public transportation with the non-inductive payment function, the activity track information of the current user may be obtained only by obtaining a driving route corresponding to the current public transportation.
In this embodiment, the current user's activity track relates to two consumption locations, and the building attribute types of the first consumption location 1 and the second consumption location 2 may be the same or different. And obtaining a second consumption type associated with the first consumption type by combining the first consumption type of the first consumption position 1, the building attribute type of the second consumption position 2 and the timestamp information when the second consumption position 2 is entered, and reducing the grade of the non-inductive payment authentication security level of the consumption product matched with the second consumption type in the second consumption position 2.
The foregoing may be understood in conjunction with the following detailed description: the first consumption position 1 is a mall, the second consumption position 2 is an office building, the first consumption type of the current user at the first consumption position 1 is clothes, the timestamp information when the current user enters the second consumption position 2 is 30 minutes at noon, then the second consumption type associated at the second consumption position 2 is a parking lot and a restaurant, after the information that the current user enters the second consumption position 2 is acquired, the security level of the non-inductive payment authentication of the parking lot and the restaurant which support the non-inductive payment in the second consumption position 2 is lowered, the current user can consume in the parking lot and the restaurant, and authorization and authentication operations of the non-inductive payment in each store are omitted when the non-inductive payment is used.
As a preferred embodiment, the level-down of the non-inductive payment authentication security level at the second consumption location 2 has a time limit, the determination criterion of the time limit is determined according to the building attribute type of the second consumption location 2 and time, for example, when the second consumption location 2 is an office building, the level-down time limit of the non-inductive payment authentication security level for a restaurant is 1-2 hours, the level-down time limit of the non-inductive payment authentication security level for a parking lot is determined according to the historical non-inductive payment time of the current user in the parking lot, and if the current user consumes in the parking lot for the first time, the level-down time limit of the non-inductive payment authentication security level for the parking lot is determined in combination with time, for example, 15 pm on the workday enters into the parking lot, and the level-down time limit of the non-inductive payment authentication security level for the parking lot is cut off to 19 points (the time of reserving 18 hours from work to the parking lot).
The security of the non-inductive payment can be increased by dynamically adjusting the grade of the security level of the non-inductive payment authentication, the consumption rhythm of the current user is more met, the fund security of the current user is improved, and the portability of the current user for the non-inductive payment at the consumption position is ensured.
Referring to fig. 6 and 7, in some embodiments, the method further comprises the steps of:
s601, acquiring travel route information input by a user, and determining all consumption positions supporting non-inductive payment in the travel route information;
s602, judging the type of the consumer product of which the current user has completed the non-inductive payment in the travel route information, reducing the grade of the non-inductive payment authentication security level of the consumer product which is the same as the type of the consumer product in all the consumption positions in the rest travel route, and increasing or keeping unchanged the grade of the non-inductive payment authentication security level of the consumer product which is different from the type of the consumer product.
Acquiring the travel route information of the current user, and confirming the travel route information by using positioning information on a mobile phone of the current user, wherein in a preferred embodiment, the travel mode of the current user can be judged by using the travel speed of the current user, for example, if the travel speed of the current user is less than 3 km/h, the current user is judged to be riding or walking, and all consumption positions supporting the non-inductive payment in the travel route information are correspondingly determined; if the travelling speed is greater than 3 km/h, the driving or public transportation is judged, and all consumption positions supporting the non-inductive payment in the travelling route information are not determined.
Judging the type of the consumer product with the non-inductive payment finished in the current travel route information, reducing the level of the non-inductive payment authentication security level of the consumer product with the same type as the consumer product in all the consumption positions in the rest travel route, for example, the current user is in a walking street, a plurality of restaurant consumption positions are arranged in the walking street, once the current user makes the non-inductive payment in one restaurant, the level of the non-inductive payment authentication security level of the current user by the rest restaurant consumption stores supporting the non-inductive payment in the walking street is correspondingly reduced, the current user only needs to make one non-inductive payment authentication action, and does not need to execute the non-inductive payment authentication action in a plurality of stores, so that the operation time of the current user is saved, and the current user is convenient to make the non-inductive payment on the travel route.
Referring to fig. 6 and 7, in some embodiments, the method further comprises the steps of:
s603, monitoring the geographical position information of the current user in real time;
s604, only the non-inductive payment authentication security level of the consumption position in the preset distance range centering on the geographical position information of the current user in the rest travel route is adjusted, and when detecting that the geographical position information of a certain consumption position and the current user exceeds the preset distance, the non-inductive payment authentication security level of the consumption position is restored to the state before adjustment.
The preset distance is determined according to the distance that the current user can travel in a certain interval of time, for example, the current user adopts a riding mode, and the preset distance can be the travel distance that the current user can reach when riding for 10 minutes, and the preset distance is a range divided by a radius with the current user position as the center, specifically, as shown by a dotted line in fig. 7, the current user divides a second association area 8 on a travel route between a first consumption position 1 and a second consumption position 2, a first association consumption position 4, a second association consumption position 5 and a third association consumption position 6 exist in the second association area 8, when the user approaches the first association consumption position 4 and the second association consumption position 5, the level of the non-inductive payment authentication security level corresponding to the first association consumption position 4 and the second association consumption position 5 is reduced, and when the current user approaches the first association consumption position 4 and the third association consumption position 6, the level of the non-inductive payment authentication security level corresponding to the first association consumption position 4 and the third association consumption position 6 is reduced, and the level of the non-inductive payment authentication security level corresponding to the second association level 5 is restored.
And adjusting the non-inductive payment authentication security level of the consumption position within the preset distance range, and restoring the non-inductive payment authentication security level of the consumption position to a state before adjustment when detecting that the geographical position information of the consumption position and the current user exceeds the preset distance. The security of the non-inductive payment can be increased by dynamically adjusting the grade of the security level of the non-inductive payment authentication, the consumption rhythm of the current user is more met, the fund security of the current user is improved, and the portability of the current user for the non-inductive payment at the consumption position is ensured.
In some embodiments, the non-inductive payment authentication security level includes a first security level, a second security level, and a third security level; the third security level is higher than the second security level, which is higher than the first security level; the first security level corresponds to a first authentication condition, the second security level corresponds to a second authentication condition, and the third security level corresponds to a third authentication condition; the first authentication condition includes: the location information of the current user or a piece of biological information of the current user; the second authentication condition includes: the location information of the current user and a piece of biological information of the current user; the third authentication condition includes: the location information of the current user and at least two pieces of biometric information of the current user.
The higher the level, the more authentication content of the authentication condition is required, the lower the security level of a certain place indicates that the current user pays for a non-inductive payment there, and correspondingly, the higher the security level of a certain place indicates that the current user pays for a non-inductive payment there for a lower, even 0. The positioning information of the current user can be obtained through electronic equipment carried by the current user, and the electronic equipment can be a mobile phone, a tablet, a notebook computer and the like, and can also be vehicle equipment and the like on a motor vehicle. The biological information of the current user comprises the biological characteristics such as fingerprints, faces, irises and the like of the current user, which can be used for identification, the higher the security level is, the more authentication contents are required for the authentication condition, one or more biological information of the current user can be included, and the security of the current user for non-inductive payment is improved.
As a preferred embodiment, the current user may further add an associated user, and the first authentication condition in the associated area may include a piece of biometric information of the associated user, so that when the associated user uses the account of the current user in the associated area, the non-inductive payment of the account of the current user can be completed through the biometric information of the associated user. The details can be understood in connection with the following examples: in the residence area, the current user is provided with an associated user, a parking lot is arranged below the residence area, the vehicle of the current user is parked in the parking lot, the associated user needs to use the vehicle of the current user to go out, when the associated user drives the vehicle to leave the parking lot, the non-inductive payment of the parking fee of the current user can be completed only by providing the face or fingerprint information of the associated user, a new non-inductive payment account is not required to be added and the vehicle is bound, or the current user can complete authentication at the door of the parking lot to perform the non-inductive payment action of the vehicle, so that the operation time of the current user is saved, and the use of the vehicle of the current user by the associated user is also facilitated. The above scenarios are merely examples, including but not limited to: the use scenes such as convenience stores, buses, subways and oil adding are additionally provided, the associated users are more in line with the living scenes of the current users, the non-inductive payment is convenient to apply to the aspects of the current users, the time of manual payment is saved, and the applicable aspects of non-inductive payment are improved.
In a second aspect, the present embodiment provides a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the method of the first aspect.
In a third aspect, the present embodiment provides an electronic device comprising a memory and a processor, the memory storing one or more computer program instructions, wherein the one or more computer program instructions are executable by the processor to implement the method of the first aspect.
The storage medium/memory includes, but is not limited to: RAM, ROM, magnetic disk, magnetic tape, optical disk, flash memory, usb disk, removable hard disk, memory card, memory stick, web server storage, web cloud storage, etc. Including but not limited to a CPU (central processing unit), GPU (image processor), MCU (microprocessor), etc.
According to the technical scheme, the related area of the non-inductive payment corresponding to the current user is constructed by acquiring the historical non-inductive payment information, all consumption positions supporting the non-inductive payment in the related area are screened out, different non-inductive payment authentication security levels are matched according to the consumption positions of the non-inductive payments, and then the non-inductive payment action currently executed by the user is judged to finish the non-inductive payment action of the user. In addition, by setting different authentication levels and matching different security levels of the non-inductive payment for different use scenes, the invention is convenient for users to use the non-inductive payment, ensures the security of the current non-inductive payment of the users, increases the use experience of the non-inductive payment of the users, and is also convenient for popularization of the non-inductive payment technology.
Finally, it should be noted that, although the foregoing embodiments have been described in the text and the accompanying drawings of the present application, the scope of the patent protection of the present application is not limited thereby. All technical schemes generated by replacing or modifying equivalent structures or equivalent flows based on the essential idea of the application and by utilizing the contents recorded in the text and the drawings of the application, and the technical schemes of the embodiments are directly or indirectly implemented in other related technical fields, and the like, are included in the patent protection scope of the application.

Claims (7)

1. A method of non-inductive payment, comprising:
acquiring historical non-inductive payment information corresponding to a user; the historical non-inductive payment information comprises payment position information and payment times information;
determining a plurality of payment position information with the top ranking of the payment number information, and determining an associated area corresponding to the current user according to the determined payment position information, wherein the method specifically comprises the following steps of: taking connecting lines in a preset range of the plurality of payment position information as the association area;
screening out all consumption positions supporting non-inductive payment in the association area, and correspondingly matching the non-inductive payment authentication security levels of all the consumption positions, wherein the non-inductive payment authentication security levels of the consumption positions in the association area are determined according to the payment frequency ranking of users, the non-inductive payment authentication security levels of the consumption positions in the association area are higher than those of the consumption positions outside the association area, the number of the non-inductive payment authentication security levels is multiple, and the authentication conditions of different non-inductive payment authentication security levels are different;
Judging whether the authentication condition of the user at a certain consumption position is matched with the authentication condition of the non-inductive payment authentication security level corresponding to the consumption position, if so, completing the non-inductive payment; otherwise, the non-inductive payment fails;
the historical non-inductive payment information also comprises a consumer product type, and the payment position information comprises a building attribute type, wherein the building attribute type is stored corresponding to at least one consumer product type;
the method further comprises the steps of:
judging the building attribute type of the current consumption position of a user, and reducing the grade of the noninductive payment authentication security level of the consumption product type corresponding to the building attribute type in the current consumption position;
the method further comprises the steps of:
acquiring travel route information input by a user, and determining all consumption positions supporting non-inductive payment in the travel route information; judging the type of the consumer product with the non-inductive payment which is finished in the information of the travelling route by the current user, reducing the grade of the non-inductive payment authentication security level of the consumer product with the same type as the consumer product in all the consumption positions in the rest travelling route, and increasing the grade of the non-inductive payment authentication security level of the consumer product with different types as the consumer product;
Monitoring the geographical position information of the current user in real time;
and adjusting the non-inductive payment authentication security level of the consumption position in the preset distance range centering on the geographical position information of the current user in the rest travel route, and restoring the non-inductive payment authentication security level of the consumption position to a state before adjustment when detecting that the geographical position information of the current user exceeds the preset distance.
2. The sensorless payment method of claim 1, wherein the historical sensorless payment information further includes payment time period information and/or payment amount information;
the method further comprises the steps of:
judging whether the current time stamp information of a user at a certain consumption position is positioned in the corresponding payment time information and/or payment amount information range of the consumption position, if so, determining the non-inductive payment authentication security level of the consumption position as a first security level, otherwise, determining the non-inductive payment authentication security level of the consumption position as a second security level; the first security level is lower than the second security level.
3. A method of sensorless payment according to claim 1 wherein,
The method further comprises the steps of:
acquiring the activity track information of a user in real time;
recording a first consumption type of a current user at a first consumption position after judging that the user is successful in the non-inductive payment at the first consumption position, and reducing the grade of the non-inductive payment authentication security level of a consumer product matched with the first consumption type in a second consumption position when detecting that the user enters the second consumption position within a preset time period after leaving the first consumption position; the first consumption location is the same type of architectural attribute as the second consumption location.
4. A method of sensorless payment as recited in claim 1, wherein the method further comprises:
acquiring the activity track information of a user in real time;
and after judging that the user is successful in the non-inductive payment at the first consumption position, recording the first consumption type of the current user at the first consumption position, and when detecting that the user enters the second consumption position within a preset time period after leaving the first consumption position, determining a second consumption type associated with the first consumption type according to the current timestamp information and the building attribute types of the first consumption position and the second consumption position, and reducing the grade of the non-inductive payment authentication security level of the consumer product matched with the second consumption type in the second consumption position.
5. The non-inductive payment method of claim 1, wherein the non-inductive payment authentication security level comprises a first security level, a second security level, and a third security level; the third security level is higher than a second security level, which is higher than the first security level; the first security level corresponds to a first authentication condition, the second security level corresponds to a second authentication condition, and the third security level corresponds to a third authentication condition;
the first authentication condition includes: the location information of the current user or a piece of biological information of the current user;
the second authentication condition includes: the location information of the current user and a piece of biological information of the current user;
the third authentication condition includes: the location information of the current user and at least two pieces of biometric information of the current user.
6. A computer readable storage medium, on which computer program instructions are stored, which computer program instructions, when executed by a processor, implement the method of any one of claims 1 to 5.
7. An electronic device comprising a memory and a processor, wherein the memory is configured to store one or more computer program instructions, wherein the one or more computer program instructions are executed by the processor to implement the method of any of claims 1-5.
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