WO2016183867A1 - 安全移动支付方法、安全移动支付系统和终端 - Google Patents

安全移动支付方法、安全移动支付系统和终端 Download PDF

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Publication number
WO2016183867A1
WO2016183867A1 PCT/CN2015/080368 CN2015080368W WO2016183867A1 WO 2016183867 A1 WO2016183867 A1 WO 2016183867A1 CN 2015080368 W CN2015080368 W CN 2015080368W WO 2016183867 A1 WO2016183867 A1 WO 2016183867A1
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Prior art keywords
password
input
mobile payment
information
secure mobile
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PCT/CN2015/080368
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English (en)
French (fr)
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尹宾
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宇龙计算机通信科技(深圳)有限公司
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Publication of WO2016183867A1 publication Critical patent/WO2016183867A1/zh

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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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/71—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information
    • G06F21/74—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information operating in dual or compartmented mode, i.e. at least one secure mode
    • 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

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a secure mobile payment method, a secure mobile payment system, and a terminal.
  • the payment system will pop up a password box, and if the input is correct, the next operation can be performed, and if the input is incorrect, the payment cannot be continued, and the password is generally used. "or” instead of "*" to prevent others from peeping.
  • the shortcoming of the above technical solution is that once someone knows the password, the payment can be smoothly performed, the security is low, and there is no effective identity verification, which leaves a big hidden danger for mobile payment, such as the loss of the mobile phone, the password is After theft, it is easy to cause money loss through mobile payment, and thus bring a bad experience to the user.
  • the invention is based on the above problems, and proposes a new technical solution.
  • a password box is popped up, and any information (including a correct password) input by the user will prompt an input error, and the next operation cannot be performed. Only when the user performs a preset security operation will the real password box be popped up. At this time, the correct password is valid. Therefore, by setting the password masquerading input environment in the mobile payment process, the mobile payment is effectively improved. Security, to prevent theft of passwords or loss of property (such as mobile phones), resulting in loss of property, thereby improving user experience and peace of mind.
  • an aspect of the present invention provides a secure mobile payment method for a terminal, including: determining whether to activate a password masquerading function according to a received setting command; and determining whether to activate the password masquerading function, detecting whether There is an information input operation; when detecting the presence of the information input operation, a masquerading password input box is popped up to receive the first input information, and the first result prompt password is output Error; detects whether there is a preset security operation, and determines whether to make a secure mobile payment based on the detection result.
  • the masquerading password input box is popped up, and the input of the first input information (any information, including the correct password) will prompt the password error. Then, according to whether there is a detection result of the preset security operation, whether or not to perform secure mobile payment is determined.
  • a password masquerading input environment it is possible to effectively avoid property loss caused by the user password being stolen or the terminal (such as a mobile phone) being lost, thereby effectively Improve the security of mobile payments while improving user experience and peace of mind.
  • the correct password input box is popped up to receive the second input information, and it is determined whether the received second input information is correct, according to the judgment. As a result, it is determined whether or not the secure mobile payment is made.
  • the correct password input box is popped up to receive and determine whether the second input information is correct, and whether the secure mobile payment is performed according to the determination result is effectively improved.
  • the security of mobile payment to prevent theft of passwords or the loss of property caused by the loss of terminals (such as mobile phones), thereby improving user experience and peace of mind.
  • the secure mobile payment is performed; when the determination result is negative, and the input of the received second input information is determined to be incorrect
  • the payment is prompted to fail and the correct password input box is closed.
  • the secure mobile payment when it is determined that the second input information is correct, the secure mobile payment is performed; when the determination result is incorrect and the number of erroneous inputs exceeds the first preset number of times (for example, three times), the payment failure is prompted and the password input is turned off.
  • the box prohibits further operations, and thus, the security of mobile payment can be further improved.
  • the second number of times of the first result is statistically output, and when it is determined that the second number is greater than the second preset number, the payment failure is prompted and the masquerading password input box is closed.
  • the prompt payment fails and the password input box is closed to prohibit further operations, thereby further improving The security of mobile payments.
  • the preset security operation includes: fingerprint information recognition, sound
  • the pattern information identifies or determines whether to enter the target application or the target mode of operation.
  • the preset security operations include, but are not limited to, fingerprint information recognition, voiceprint information recognition, or determining whether to enter the target application or the target operation mode, such as switching from the normal mode of the dual system terminal to the security mode, thus,
  • fingerprint information recognition voiceprint information recognition
  • voiceprint information recognition or determining whether to enter the target application or the target operation mode, such as switching from the normal mode of the dual system terminal to the security mode
  • a secure mobile payment system for a terminal, comprising: a determining module, configured to determine whether to initiate a password masquerading function according to the received setting command; and a detecting module, configured to initiate the After the password masquerading function, detecting whether there is an information input operation; the control module is configured to control the pop-up masquerading password input box to receive the first input information when the presence of the information input operation is detected, and control the output of the first result prompt password
  • the detection module is further configured to: detect whether there is a preset security operation; and the control module is further configured to: determine whether to perform a secure mobile payment according to the detection result.
  • the masquerading password input box is popped up, and the input of the first input information (any information, including the correct password) will prompt the password error. Then, according to whether there is a detection result of the preset security operation, whether or not to perform secure mobile payment is determined.
  • a password masquerading input environment it is possible to effectively avoid property loss caused by the user password being stolen or the terminal (such as a mobile phone) being lost, thereby effectively Improve the security of mobile payments while improving user experience and peace of mind.
  • control module is specifically configured to: when detecting the preset security operation, control to pop up a correct password input box to receive the second input information, and control to determine the received location Whether the second input information is correct, and determining whether to perform the secure mobile payment according to the determination result.
  • the correct password input box is popped up to receive and determine whether the second input information is correct, and whether the secure mobile payment is performed according to the determination result is effectively improved.
  • the security of mobile payment to prevent theft of passwords or loss of property (such as mobile phones), resulting in property damage, thereby improving user experience and peace of mind.
  • control module is further configured to: when the determination result is yes, control to perform the secure mobile payment; when the determination result is no, and determine the received When the first input of the second input information is incorrect, the first time is greater than the first preset number, and the control is raised. The payment failed and the correct password entry box is closed.
  • the secure mobile payment when it is determined that the second input information is correct, the secure mobile payment is performed; when the determination result is incorrect and the number of erroneous inputs exceeds the first preset number of times (for example, three times), the payment failure is prompted and the password input is turned off.
  • the box prohibits further operations, and thus, the security of mobile payment can be further improved.
  • the method further includes: a statistics module, configured to output a second number of times of the first result; the control module is further configured to: when the second number of times is greater than the second preset number of times , the control prompts the payment failure and closes the masquerading password input box.
  • the prompt payment fails and the password input box is closed to prohibit further operations, thereby further improving The security of mobile payments.
  • the preset security operation includes: fingerprint information recognition, voiceprint information recognition, or determining whether to enter a target application or a target operation mode.
  • the preset security operations include, but are not limited to, fingerprint information recognition, voiceprint information recognition, or determining whether to enter the target application or the target operation mode, such as switching from the normal mode of the dual system terminal to the security mode, thus,
  • fingerprint information recognition voiceprint information recognition
  • voiceprint information recognition or determining whether to enter the target application or the target operation mode, such as switching from the normal mode of the dual system terminal to the security mode
  • a further aspect of the present invention provides a terminal, the terminal comprising a processor and a memory, wherein the memory stores a set of program codes, and the processor is configured to invoke program code stored in the memory, Do the following:
  • the processor when detecting that the preset security operation exists, pops up a correct password input box to receive the second input information, and determines whether the received second input information is correct, according to The result of the determination determines whether or not the secure mobile payment is made.
  • the processor performs the secure mobile payment when the determination result is yes; when the determination result is negative, and determines that the received input of the second input information is not When the correct first number is greater than the first preset number, the payment failure is prompted and the correct password input box is closed.
  • the processor periodically outputs the second number of times of the first result, and when it is determined that the second number is greater than the second preset number, prompts the payment to fail and closes the masquerading password input box.
  • the preset security operations include:
  • Fingerprint information recognition, voiceprint information recognition or judging whether to enter the target application or target operation mode are possible.
  • the masquerading password input box is popped up, and the input of the first input information (any information, including the correct password) will prompt the password error. Then, according to whether there is a detection result of the preset security operation, whether or not to perform secure mobile payment is determined.
  • a password masquerading input environment it is possible to effectively avoid property loss caused by the user password being stolen or the terminal (such as a mobile phone) being lost, thereby effectively Improve the security of mobile payments while improving user experience and peace of mind.
  • FIG. 1 is a flow chart showing a secure mobile payment method according to an embodiment of the present invention
  • FIG. 2 shows a block diagram of a secure mobile payment system in accordance with one embodiment of the present invention
  • Figure 3 shows a block diagram of a terminal in accordance with one embodiment of the present invention
  • FIG. 4 is a flow chart showing a secure mobile payment method according to another embodiment of the present invention.
  • FIG. 5 is a schematic diagram showing a secure mobile payment process in a masquerading input environment according to an embodiment of the present invention
  • FIG. 6 illustrates a security shift after a predetermined security operation is specified in accordance with another embodiment of the present invention. Schematic diagram of the payment process
  • Figure 7 shows a block diagram of a terminal in accordance with another embodiment of the present invention.
  • FIG. 1 shows a flow chart of a secure mobile payment method in accordance with one embodiment of the present invention.
  • a secure mobile payment method for a terminal, includes: Step 102: Determine, according to the received setting command, whether to initiate a password masquerading function; Step 104: Determine to activate the password After the masquerading function, detecting whether there is an information input operation; step 106, when detecting the presence of the information input operation, popping up the masquerading password input box to receive the first input information, and outputting the first result prompting the password error; It is detected whether there is a preset security operation, and whether or not a secure mobile payment is made based on the detection result.
  • the masquerading password input box is popped up, and the input of the first input information (any information, including the correct password) will prompt the password error. Then, according to whether there is a detection result of the preset security operation, whether or not to perform secure mobile payment is determined.
  • a password masquerading input environment it is possible to effectively avoid property loss caused by the user password being stolen or the terminal (such as a mobile phone) being lost, thereby effectively Improve the security of mobile payments while improving user experience and peace of mind.
  • the correct password input box is popped up to receive the second input information, and it is determined whether the received second input information is correct, according to the judgment. As a result, it is determined whether or not the secure mobile payment is made.
  • the correct password input box is popped up to receive and determine whether the second input information is correct, and whether the secure mobile payment is performed according to the determination result is effectively improved.
  • the security of mobile payment to prevent theft of passwords or the loss of property caused by the loss of terminals (such as mobile phones), thereby improving user experience and peace of mind.
  • the secure mobile payment is performed; when the determination result is negative, and the input of the received second input information is determined to be incorrect
  • the payment is prompted to fail and the correct password input box is closed.
  • the secure mobile payment is performed; when the determination result is incorrect and the number of erroneous input exceeds the first preset number of times (for example, three times), the payment failure is prompted and the password input box is closed. Further operations are prohibited, and thus, the security of mobile payment can be further improved.
  • the second number of times of the first result is statistically output, and when it is determined that the second number is greater than the second preset number, the payment failure is prompted and the masquerading password input box is closed.
  • the prompt payment fails and the password input box is closed to prohibit further operations, thereby further improving The security of mobile payments.
  • the preset security operation includes: fingerprint information recognition, voiceprint information recognition, or determining whether to enter a target application or a target operation mode.
  • the preset security operations include, but are not limited to, fingerprint information recognition, voiceprint information recognition, or determining whether to enter the target application or the target operation mode, such as switching from the normal mode of the dual system terminal to the security mode, thus,
  • fingerprint information recognition voiceprint information recognition
  • voiceprint information recognition or determining whether to enter the target application or the target operation mode, such as switching from the normal mode of the dual system terminal to the security mode
  • FIG. 2 shows a block diagram of a secure mobile payment system in accordance with one embodiment of the present invention.
  • the secure mobile payment system 20 is configured for the terminal, and includes: a determining module 202, configured to determine, according to the received setting command, whether to initiate a password masquerading function; the detecting module 204, After determining to activate the password masquerading function, detecting whether there is an information input operation; the control module 206, configured to control the pop-up masquerading password input box to receive the first input information when detecting the presence of the information input operation, and The control output first result prompts a password error; and the detection module 204 is further configured to: detect whether there is a preset security operation; the control module 206 is further configured to: determine whether to perform a secure mobile payment according to the detection result.
  • the masquerading password input box is popped up.
  • inputting the first input information any information, including the correct password
  • the terminal such as a mobile phone
  • control module 206 is configured to: when detecting the preset security operation, control to pop up a correct password input box to receive the second input information, and control to determine the received Whether the second input information is correct, and determining whether to perform the secure mobile payment according to the determination result.
  • the correct password input box is popped up to receive and determine whether the second input information is correct, and whether the secure mobile payment is performed according to the determination result is effectively improved.
  • the security of mobile payment to prevent theft of passwords or loss of property (such as mobile phones), resulting in property damage, thereby improving user experience and peace of mind.
  • control module 206 is further configured to: when the determination result is yes, control to perform the secure mobile payment; when the determination result is no, and determine that the received When the first time that the input of the second input information is incorrect is greater than the first preset number of times, the control prompts that the payment fails and closes the correct password input box.
  • the secure mobile payment when it is determined that the second input information is correct, the secure mobile payment is performed; when the determination result is incorrect and the number of erroneous inputs exceeds the first preset number of times (for example, three times), the payment failure is prompted and the password input is turned off.
  • the box prohibits further operations, and thus, the security of mobile payment can be further improved.
  • the method further includes: a statistics module 208, configured to output a second number of times of the first result; the control module 206 is further configured to: when the second number is greater than the second preset At the time of the number, the control prompts that the payment has failed and closes the masquerading password input box.
  • the prompt payment fails and the password input box is closed to prohibit further operations, thereby further improving The security of mobile payments.
  • the preset security operation includes: fingerprint information recognition, voiceprint information recognition, or determining whether to enter a target application or a target operation mode.
  • the preset security operations include but are not limited to: fingerprint information recognition, voiceprint information Identifying or judging whether to enter the target application or the target operation mode, for example, switching from the normal mode of the dual system terminal to the security mode.
  • Figure 3 shows a block diagram of a terminal in accordance with one embodiment of the present invention.
  • the terminal 30 includes the secure mobile payment system 20 according to any one of the above aspects.
  • the masquerading password input box is popped up, and the input of the first input information (any information, including the correct password) will prompt the password error. Then, it is determined whether to perform secure mobile payment according to whether there is a detection result of the preset security operation.
  • the password masquerading input environment property loss caused by the user password being stolen or the terminal 30 (such as a mobile phone) being lost may be effectively avoided, thereby It effectively improves the security of mobile payments while improving user experience and peace of mind.
  • FIG. 4 is a flow chart showing a secure mobile payment method according to another embodiment of the present invention.
  • FIG. 5 shows a schematic diagram of a secure mobile payment process in a spoofed input environment, in accordance with one embodiment of the present invention.
  • FIG. 6 shows a schematic diagram of a secure mobile payment process after a predetermined security operation is specified, in accordance with another embodiment of the present invention.
  • the system After setting the enable password masquerading environment (password masquerading function), when it is detected that a password is required, the system will pop up a spoofed input environment (including a password box and a password disk, that is, a masquerading password input box), and the input is invalid at this time. That is, no matter whether the entered password is correct or not, it will prompt an input error, prohibiting the next operation, as shown in Figure 5, and prompting the payment failure after repeatedly inputting three errors.
  • a spoofed input environment including a password box and a password disk, that is, a masquerading password input box
  • the real password input box (correct password input box) will pop up, and the input operation is correct before continuing the payment operation, as shown in FIG. , wherein the specific operation performed refers to a private operation set by the user, and may include multiple methods, such as fingerprint recognition, voiceprint recognition, shaking, pre-entering an application or a certain mode, etc., and real There is no obvious difference between the password input box and the appearance of the camouflage, which can effectively prevent other people from seeing the difference between true and false camouflage.
  • Figure 7 shows a block diagram of a terminal in accordance with another embodiment of the present invention.
  • the terminal 7 may comprise: at least one processor 31, such as a CPU, at least one communication bus 32 and a memory 33; the communication bus 32 is used to implement connection communication between these components; the memory 33 may be high speed
  • the RAM memory may also be a non-volatile memory such as at least one disk memory.
  • a set of program codes is stored in the memory 33, and the processor 31 is configured to call the program code stored in the memory 33 for performing the following operations:
  • the processor 31 pops up a correct password input box to receive the second input information, and determines whether the received second input information is correct, according to the judgment. As a result, it is determined whether or not the secure mobile payment is made.
  • the processor 31 performs the secure mobile payment when the determination result is yes; when the determination result is negative, and determines that the received input of the second input information is incorrect When the first number of times is greater than the first preset number, the payment is prompted to fail and the correct password input box is closed.
  • the processor 31 statistically outputs the second number of times of the first result, and when it is determined that the second number is greater than the second preset number, prompts the payment to fail and closes the masquerading password input box.
  • the preset security operation includes: fingerprint information identification, voiceprint information recognition, or determining whether to enter a target application or a target operation mode.
  • the security of the mobile payment is effectively and conveniently improved, and the phenomenon that the user account password is sneaked and the payment account funds are lost is prevented by masquerading the input environment.
  • the method is simple and easy to implement, and it is easy to popularize, so that users can carry out convenient and reliable mobile payment.

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Abstract

一种安全移动支付方法、一种安全移动支付系统和一种终端，所述安全移动支付方法包括：根据接收到的设置命令，确定是否启动密码伪装功能（102）；在确定启动密码伪装功能以后，检测是否存在信息输入操作（104）；在检测到存在信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码错误（106）；检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支付（108）。上述技术方案通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。

Description

安全移动支付方法、安全移动支付系统和终端
本申请要求于2015年5月21日提交中国专利局，申请号为201510263258.5、发明名称为“安全移动支付方法、安全移动支付系统和终端”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及移动支付技术领域，具体而言，涉及一种安全移动支付方法、一种安全移动支付系统和一种终端。
背景技术
目前，在相关技术中，移动支付之前，一般均需要输入密码进行验证，此时，支付系统会弹出密码框，输入正确则能进行下一步操作，输入错误则无法继续支付，而密码一般用“.”或“*”代替，防止别人偷窥。
但是，上述技术方案的缺点是一旦别人知道了密码，也能够顺利地进行支付，安全性较低，没有有效地身份识别验证，为移动支付留下了较大的隐患，如手机丢失，密码被窃后很容易通过移动支付造成钱财损失，进而给用户带来不好的体验。
因此，如何提高移动支付的安全性成为亟待解决的技术问题。
发明内容
本发明正是基于上述问题，提出了一种新的技术方案，通过在输入密码时，弹出伪装的密码框，用户输入任何信息(包括正确的密码)都会提示输入错误，不能进行下一步操作，只有用户在进行了一个预设安全操作后，才会弹出真正的密码框，此时输入正确的密码才有效，如此，通过在移动支付过程中设置密码伪装输入环境，有效地提高了移动支付的安全性，防止密码被盗或终端(如手机)丢失之后造成财产损失，从而提高用户体验和放心度。
有鉴于此，本发明的一方面提出了一种安全移动支付方法，用于终端，包括：根据接收到的设置命令，确定是否启动密码伪装功能；在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；在检测到存在所述信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码 错误；检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支付。
在该技术方案中，在确定开启密码伪装功能后，当检测到存在信息输入操作时，弹出伪装密码输入框，此时输入第一输入信息(任何信息，包括正确的密码)都会提示密码错误，然后根据是否存在预设安全操作的检测结果确定是否进行安全移动支付，如此，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
在上述技术方案中，优选地，在检测到存在所述预设安全操作时，弹出正确密码输入框，以接收第二输入信息，并判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
在该技术方案中，当检测到用户进行了预设安全操作时，则弹出正确密码输入框，以接收并判断第二输入信息是否正确，根据判断结果确定是否进行安全移动支付，如此有效地提高了移动支付的安全性，防止密码被盗或终端(如手机)丢失之后造成的财产损失，从而提高用户体验和放心度。
在上述技术方案中，优选地，在所述判断结果为是时，进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，提示支付失败并关闭所述正确密码输入框。
在该技术方案中，当判定第二输入信息结果正确时，进行安全移动支付；当判定结果不正确且错误输入的次数超过第一预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，统计输出所述第一结果的第二次数，并在判定所述第二次数大于第二预设次数时，提示支付失败并关闭所述伪装密码输入框。
在该技术方案中，当在伪装密码输入框中输入信息并提示密码错误的次数超过第二预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，所述预设安全操作包括：指纹信息识别、声 纹信息识别或者判断是否进入目标应用程序或目标操作模式。
在该技术方案中，预设安全操作包含但不限于：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式，比如从双系统终端的普通模式切换至安全模式，如此，通过多样化的预设安全操作，使用户选择空间更大，操作更加便捷，且未提高对终端设备的要求，进而提升用户体验和满意度。
本发明的另一方面提出了一种安全移动支付系统，用于终端，包括：确定模块，用于根据接收到的设置命令，确定是否启动密码伪装功能；检测模块，用于在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；控制模块，用于在检测到存在所述信息输入操作时，控制弹出伪装密码输入框，以接收第一输入信息，并控制输出第一结果提示密码错误；以及所述检测模块还用于：检测是否存在预设安全操作；所述控制模块还用于：根据检测结果确定是否进行安全移动支付。
在该技术方案中，在确定开启密码伪装功能后，当检测到存在信息输入操作时，弹出伪装密码输入框，此时输入第一输入信息(任何信息，包括正确的密码)都会提示密码错误，然后根据是否存在预设安全操作的检测结果确定是否进行安全移动支付，如此，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
在上述技术方案中，优选地，所述控制模块具体用于：在检测到存在所述预设安全操作时，控制弹出正确密码输入框，以接收第二输入信息，并控制判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
在该技术方案中，当检测到用户进行了预设安全操作时，则弹出正确密码输入框，以接收并判断第二输入信息是否正确，根据判断结果确定是否进行安全移动支付，如此有效地提高了移动支付的安全性，防止密码被盗或终端(如手机)丢失之后造成财产损失，从而提高用户体验和放心度。
在上述技术方案中，优选地，所述控制模块具体还用于：在所述判断结果为是时，控制进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，控制提 示支付失败并关闭所述正确密码输入框。
在该技术方案中，当判定第二输入信息结果正确时，进行安全移动支付；当判定结果不正确且错误输入的次数超过第一预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，还包括：统计模块，用于统计输出所述第一结果的第二次数；所述控制模块还用于：在所述第二次数大于第二预设次数时，控制提示支付失败并关闭所述伪装密码输入框。
在该技术方案中，当在伪装密码输入框中输入信息并提示密码错误的次数超过第二预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，所述预设安全操作包括：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
在该技术方案中，预设安全操作包含但不限于：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式，比如从双系统终端的普通模式切换至安全模式，如此，通过多样化的预设安全操作，使用户选择空间更大，操作更加便捷，且未提高对终端设备的要求，进而提升用户体验和满意度。
本发明的再一方面提出了一种终端，所述终端包括处理器和存储器，其中，所述存储器中存储一组程序代码，且所述处理器用于调用所述存储器中存储的程序代码，用于执行以下操作：
根据接收到的设置命令，确定是否启动密码伪装功能；
在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；
在检测到存在所述信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码错误；
检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支付。
在该技术方案中，所述处理器在检测到存在所述预设安全操作时，弹出正确密码输入框，以接收第二输入信息，并判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
在该技术方案中，所述处理器在所述判断结果为是时，进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，提示支付失败并关闭所述正确密码输入框。
在该技术方案中，所述处理器统计输出所述第一结果的第二次数，并在判定所述第二次数大于第二预设次数时，提示支付失败并关闭所述伪装密码输入框。
在该技术方案中，所述预设安全操作包括：
指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
在该技术方案中，在确定开启密码伪装功能后，当检测到存在信息输入操作时，弹出伪装密码输入框，此时输入第一输入信息(任何信息，包括正确的密码)都会提示密码错误，然后根据是否存在预设安全操作的检测结果确定是否进行安全移动支付，如此，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
通过本发明的技术方案，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
附图说明
图1示出了根据本发明的一个实施例的安全移动支付方法的流程示意图；
图2示出了根据本发明的一个实施例的安全移动支付系统的框图；
图3示出了根据本发明的一个实施例的终端的框图；
图4示出了根据本发明的另一个实施例的安全移动支付方法的流程示意图；
图5示出了根据本发明的一个实施例的伪装输入环境下的安全移动支付过程的示意图；
图6示出了根据本发明的另一个实施例的指定预设安全操作后的安全移 动支付过程的示意图；
图7示出了根据本发明的另一个实施例的终端的框图。
具体实施方式
为了可以更清楚地理解本发明的上述目的、特征和优点，下面结合附图和具体实施方式对本发明进行进一步的详细描述。需要说明的是，在不冲突的情况下，本申请的实施例及实施例中的特征可以相互组合。
在下面的描述中阐述了很多具体细节以便于充分理解本发明，但是，本发明还可以采用其他不同于在此描述的其他方式来实施，因此，本发明的保护范围并不受下面公开的具体实施例的限制。
图1示出了根据本发明的一个实施例的安全移动支付方法的流程示意图。
如图1所示根据本发明的一个实施例的安全移动支付方法，用于终端，包括：步骤102，根据接收到的设置命令，确定是否启动密码伪装功能；步骤104，在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；步骤106，在检测到存在所述信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码错误；步骤108，检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支付。
在该技术方案中，在确定开启密码伪装功能后，当检测到存在信息输入操作时，弹出伪装密码输入框，此时输入第一输入信息(任何信息，包括正确的密码)都会提示密码错误，然后根据是否存在预设安全操作的检测结果确定是否进行安全移动支付，如此，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
在上述技术方案中，优选地，在检测到存在所述预设安全操作时，弹出正确密码输入框，以接收第二输入信息，并判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
在该技术方案中，当检测到用户进行了预设安全操作时，则弹出正确密码输入框，以接收并判断第二输入信息是否正确，根据判断结果确定是否进行安全移动支付，如此有效地提高了移动支付的安全性，防止密码被盗或终端(如手机)丢失之后造成的财产损失，从而提高用户体验和放心度。
在上述技术方案中，优选地，在所述判断结果为是时，进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，提示支付失败并关闭所述正确密码输入框。
在该技术方案中，当判定第二输入信息结果正确时，进行安全移动支付；当判定结果不正确且错误输入次数超过第一预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，统计输出所述第一结果的第二次数，并在判定所述第二次数大于第二预设次数时，提示支付失败并关闭所述伪装密码输入框。
在该技术方案中，当在伪装密码输入框中输入信息并提示密码错误的次数超过第二预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，所述预设安全操作包括：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
在该技术方案中，预设安全操作包含但不限于：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式，比如从双系统终端的普通模式切换至安全模式，如此，通过多样化的预设安全操作，使用户选择空间更大，操作更加便捷，且未提高对终端设备的要求，进而提升用户体验和满意度。
图2示出了根据本发明的一个实施例的安全移动支付系统的框图。
如图2所示根据本发明的一个实施例的安全移动支付系统20，用于终端，包括：确定模块202，用于根据接收到的设置命令，确定是否启动密码伪装功能；检测模块204，用于在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；控制模块206，用于在检测到存在所述信息输入操作时，控制弹出伪装密码输入框，以接收第一输入信息，并控制输出第一结果提示密码错误；以及所述检测模块204还用于：检测是否存在预设安全操作；所述控制模块206还用于：根据检测结果确定是否进行安全移动支付。
在该技术方案中，在确定开启密码伪装功能后，当检测到存在信息输入操 作时，弹出伪装密码输入框，此时输入第一输入信息(任何信息，包括正确的密码)都会提示密码错误，然后根据是否存在预设安全操作的检测结果确定是否进行安全移动支付，如此，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
在上述技术方案中，优选地，所述控制模块206具体用于：在检测到存在所述预设安全操作时，控制弹出正确密码输入框，以接收第二输入信息，并控制判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
在该技术方案中，当检测到用户进行了预设安全操作时，则弹出正确密码输入框，以接收并判断第二输入信息是否正确，根据判断结果确定是否进行安全移动支付，如此有效地提高了移动支付的安全性，防止密码被盗或终端(如手机)丢失之后造成财产损失，从而提高用户体验和放心度。
在上述技术方案中，优选地，所述控制模块206具体还用于：在所述判断结果为是时，控制进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，控制提示支付失败并关闭所述正确密码输入框。
在该技术方案中，当判定第二输入信息结果正确时，进行安全移动支付；当判定结果不正确且错误输入的次数超过第一预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，还包括：统计模块208，用于统计输出所述第一结果的第二次数；所述控制模块206还用于：在所述第二次数大于第二预设次数时，控制提示支付失败并关闭所述伪装密码输入框。
在该技术方案中，当在伪装密码输入框中输入信息并提示密码错误的次数超过第二预设次数(比如三次)时，提示支付失败并关闭密码输入框禁止进一步操作，如此，可以进一步提高移动支付的安全性。
在上述技术方案中，优选地，所述预设安全操作包括：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
在该技术方案中，预设安全操作包含但不限于：指纹信息识别、声纹信息 识别或者判断是否进入目标应用程序或目标操作模式，比如从双系统终端的普通模式切换至安全模式，如此，通过多样化的预设安全操作，使用户选择空间更大，操作更加便捷，且未提高对终端设备的要求，进而提升用户体验和满意度。
图3示出了根据本发明的一个实施例的终端的框图。
如图3至所示根据本发明的一个实施例的终端30，包括上述技术方案中任一项所述的安全移动支付系统20。
在该技术方案中，在确定开启密码伪装功能后，当检测到存在信息输入操作时，弹出伪装密码输入框，此时输入第一输入信息(任何信息，包括正确的密码)都会提示密码错误，然后根据是否存在预设安全操作的检测结果确定是否进行安全移动支付，如此，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端30(如手机)丢失之后造成的财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
图4示出了根据本发明的另一个实施例的安全移动支付方法的流程示意图。
图5示出了根据本发明的一个实施例的伪装输入环境下的安全移动支付过程的示意图。
图6示出了根据本发明的另一个实施例的指定预设安全操作后的安全移动支付过程的示意图。
下面结合图4至图6具体说明本发明的安全移动支付方法：
在设置启用密码伪装环境(密码伪装功能)之后，当检测到需要输入密码时，系统将会弹出伪装的输入环境(包括密码框和密码盘，即伪装密码输入框)，此时输入是无效的，即无论输入的密码是否正确，均会提示输入错误，禁止下一步地操作，如图5所示，并在重复输入三次错误后提示支付失败。
当检测到用户执行了预先设定的特定操作(预设安全操作)后，才会弹出真正的密码输入框(正确密码输入框)，此时输入正确后方可继续支付操作，如图6所示，其中，执行的特定操作是指由用户设定的私密操作，可以包含多种方式，如指纹识别、声纹识别、摇一摇、预先进入某个应用或者某个模式等等，且真正的密码输入框与伪装的外观上无明显差异，可以有效地避免其他人从外观上看出真假伪装的不同。
图7示出了根据本发明的另一个实施例的终端的框图。
如图7至所示，该终端7可以包括：至少一个处理器31，例如CPU，至少一个通信总线32以及存储器33；通信总线32用于实现这些组件之间的连接通信；存储器33可以是高速RAM存储器，也可以是非易失性存储器(non-volatile memory)，例如至少一个磁盘存储器。存储器33中存储一组程序代码，且处理器31用于调用存储器33中存储的程序代码，用于执行以下操作：
根据接收到的设置命令，确定是否启动密码伪装功能；
在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；
在检测到存在所述信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码错误；
检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支付。
可选地，所述处理器31在检测到存在所述预设安全操作时，弹出正确密码输入框，以接收第二输入信息，并判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
可选地，所述处理器31在所述判断结果为是时，进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，提示支付失败并关闭所述正确密码输入框。
可选地，所述处理器31统计输出所述第一结果的第二次数，并在判定所述第二次数大于第二预设次数时，提示支付失败并关闭所述伪装密码输入框。
可选地，所述预设安全操作包括：指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
通过利用用户设定的特定操作对用户身份进行了进一步验证，有效且方便地提高移动支付的安全性，通过伪装输入环境的方式防止了用户密码被偷窥后导致的支付账号资金丢失的现象。而且，方法简单易行，便于普及，使用户都能进行便捷、放心的移动支付。
以上结合附图详细说明了本发明的技术方案，通过设置密码伪装输入环境可以有效地避免因用户密码被盗或终端(如手机)丢失之后造成财产损失，从而有效地提高了移动支付的安全性，同时提高了用户体验和放心度。
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明可以有各种更改和变化。凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (15)

  1. 一种安全移动支付方法，用于终端，其特征在于，包括：
    根据接收到的设置命令，确定是否启动密码伪装功能；
    在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；
    在检测到存在所述信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码错误；
    检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支付。
  2. 根据权利要求1所述的安全移动支付方法，其特征在于，
    在检测到存在所述预设安全操作时，弹出正确密码输入框，以接收第二输入信息，并判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
  3. 根据权利要求2所述的安全移动支付方法，其特征在于，
    在所述判断结果为是时，进行所述安全移动支付；
    在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，提示支付失败并关闭所述正确密码输入框。
  4. 根据权利要求1的安全移动支付方法，其特征在于，
    统计输出所述第一结果的第二次数，并在判定所述第二次数大于第二预设次数时，提示支付失败并关闭所述伪装密码输入框。
  5. 根据权利要求1至4中任一项所述的安全移动支付方法，其特征在于，所述预设安全操作包括：
    指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
  6. 一种安全移动支付系统，用于终端，其特征在于，包括：
    确定模块，用于根据接收到的设置命令，确定是否启动密码伪装功能；
    检测模块，用于在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；
    控制模块，用于在检测到存在所述信息输入操作时，控制弹出伪装密码输 入框，以接收第一输入信息，并控制输出第一结果提示密码错误；以及
    所述检测模块还用于：检测是否存在预设安全操作；
    所述控制模块还用于：根据检测结果确定是否进行安全移动支付。
  7. 根据权利要求6所述的安全移动支付系统，其特征在于，所述控制模块具体用于：
    在检测到存在所述预设安全操作时，控制弹出正确密码输入框，以接收第二输入信息，并控制判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
  8. 根据权利要求7所述的安全移动支付系统，其特征在于，所述控制模块具体还用于：
    在所述判断结果为是时，控制进行所述安全移动支付；
    在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，控制提示支付失败并关闭所述正确密码输入框。
  9. 根据权利要求6所述的安全移动支付系统，其特征在于，还包括：
    统计模块，用于统计输出所述第一结果的第二次数；
    所述控制模块还用于：在所述第二次数大于第二预设次数时，控制提示支付失败并关闭所述伪装密码输入框。
  10. 根据权利要求6至9中任一项所述的安全移动支付系统，其特征在于，所述预设安全操作包括：
    指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
  11. 一种终端，其特征在于，所述终端包括处理器和存储器，其中，所述存储器中存储一组程序代码，且所述处理器用于调用所述存储器中存储的程序代码，用于执行以下操作：
    根据接收到的设置命令，确定是否启动密码伪装功能；
    在确定启动所述密码伪装功能以后，检测是否存在信息输入操作；
    在检测到存在所述信息输入操作时，弹出伪装密码输入框，以接收第一输入信息，并输出第一结果提示密码错误；
    检测是否存在预设安全操作，以及根据检测结果确定是否进行安全移动支 付。
  12. 根据权利要求11所述的终端，其特征在于，所述处理器在检测到存在所述预设安全操作时，弹出正确密码输入框，以接收第二输入信息，并判断接收到的所述第二输入信息是否正确，根据判断结果确定是否进行所述安全移动支付。
  13. 根据权利要求12所述的终端，其特征在于，所述处理器在所述判断结果为是时，进行所述安全移动支付；在所述判断结果为否时，并在判定接收到的所述第二输入信息的输入不正确的第一次数大于第一预设次数时，提示支付失败并关闭所述正确密码输入框。
  14. 根据权利要求11所述的终端，其特征在于，所述处理器统计输出所述第一结果的第二次数，并在判定所述第二次数大于第二预设次数时，提示支付失败并关闭所述伪装密码输入框。
  15. 根据权利要求11至14中任一项所述的终端，其特征在于，所述预设安全操作包括：
    指纹信息识别、声纹信息识别或者判断是否进入目标应用程序或目标操作模式。
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