WO2017032034A1 - Procédé et dispositif de paiement mobile pour des terminaux - Google Patents

Procédé et dispositif de paiement mobile pour des terminaux Download PDF

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Publication number
WO2017032034A1
WO2017032034A1 PCT/CN2016/080592 CN2016080592W WO2017032034A1 WO 2017032034 A1 WO2017032034 A1 WO 2017032034A1 CN 2016080592 W CN2016080592 W CN 2016080592W WO 2017032034 A1 WO2017032034 A1 WO 2017032034A1
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WO
WIPO (PCT)
Prior art keywords
mobile payment
verification information
login verification
information
duration
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Application number
PCT/CN2016/080592
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English (en)
Chinese (zh)
Inventor
陈历伟
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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 WO2017032034A1 publication Critical patent/WO2017032034A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06F21/78—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure storage of data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2137—Time limited access, e.g. to a computer or data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2143—Clearing memory, e.g. to prevent the data from being stolen

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a mobile payment method for a terminal and a mobile payment device for a terminal.
  • Mobile payment is a service method that allows users to use their mobile terminals to pay for goods or services they consume. It integrates terminal devices, the Internet, application providers and financial institutions to provide users with financial services such as money payment and payment. business. Mobile payment is not limited by geographical distance, making it easy for users to complete various consumer payments anytime, anywhere.
  • the existing mobile payment method usually needs to input a password once per transaction. In this way, for a user who needs to continuously use the mobile payment transaction in a short time, the user needs to input the same password frequently, so that the user operates. More cumbersome, affecting the user experience.
  • the present invention is based on at least one of the above technical problems, and proposes a new mobile payment scheme for a terminal, which can effectively avoid the cumbersome operation of the user to frequently input payment information due to multiple use of mobile payment in a short time. Helps to enhance the user experience.
  • the present invention provides a mobile payment method for a terminal, comprising: recording login verification information of the mobile payment when the user successfully passes the mobile payment; and determining, if it is detected that the user needs to perform mobile payment again, determining Recording whether the duration of the login verification information reaches the first predetermined duration, and/or determining whether the length of the last mobile payment has reached a second predetermined duration; and determining that the duration of recording the login verification information does not reach the first When the time is fixed, And/or when the length of the last mobile payment payment is determined to have not reached the second predetermined length of time, the login verification information is read, and automatic login and payment are performed according to the login verification information.
  • the login verification information when the user successfully passes the mobile payment, by recording the login verification information of the mobile payment, and detecting that the user needs to perform the mobile payment again, if the time of recording the login verification information does not reach the first predetermined duration, and / If the duration of the last mobile payment does not reach the second predetermined duration, the login verification information is directly read, and the automatic login and payment are performed according to the login verification information, so that the user can be effectively prevented from moving for multiple times in a short time.
  • the cumbersome operation of paying and frequently inputting payment information improves the user experience.
  • the user can set the first predetermined duration and/or the second predetermined duration according to his or her own personalized needs.
  • the method further includes: detecting whether a duration of recording the login verification information of the mobile payment reaches the first predetermined duration, and/or detecting a distance Whether the duration of the last mobile payment has reached the second predetermined duration, and if so, the login verification information is deleted.
  • the login verification information is deleted when the duration of the login verification information for recording the mobile payment is detected to reach the first predetermined duration, and/or when the length of the last mobile payment is detected to reach the second predetermined duration.
  • the method further includes: encrypting the login verification information to obtain ciphertext information; and the step of reading the login verification information specifically includes: Reading the ciphertext information, and decrypting the ciphertext information to obtain the login verification information.
  • the security of the user login information is effectively ensured, thereby ensuring the security of automatic login and payment through the login information.
  • the step of encrypting the login verification information specifically includes: performing software encryption on the login verification information to obtain software encryption information; and performing hardware on the software encryption information by using an embedded security chip. Encrypted to obtain the ciphertext information, wherein the ciphertext information is stored in the embedded security chip.
  • the security of the login information is greatly improved by software encryption of the login information to generate software encryption information, and hardware encryption of the software encryption information by the embedded security chip.
  • the method further includes: determining whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information; determining that the user needs to When the type of the mobile payment is matched with the type of the mobile payment corresponding to the stored login verification information, it is determined whether the duration of recording the login verification information reaches the first predetermined duration, and/or whether the length of the last mobile payment is determined. The step of reaching the second predetermined length of time.
  • the user by judging whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information, the user is prevented from selecting a different mobile payment type when making the payment, and the system still records according to the Signing verification information for payment causes misoperation.
  • a mobile payment device for a terminal comprising: a recording unit, configured to record login verification information of the mobile payment when the user successfully passes the mobile payment; the first determining unit And determining, by the recording unit, whether the duration of the login verification information reaches the first predetermined duration, and/or determining whether the duration of the last mobile payment reaches the second time when detecting that the user needs to perform the mobile payment again.
  • a processing unit configured to: when the first determining unit determines that the recording unit records the duration of the login verification information does not reach the first predetermined duration, and/or determines the distance in the first determining unit When the duration of the last mobile payment has not reached the second predetermined duration, the login verification information is read, and automatic login and payment are performed based on the login verification information.
  • the login verification information when the user successfully passes the mobile payment, by recording the login verification information of the mobile payment, and detecting that the user needs to perform the mobile payment again, if the time of recording the login verification information does not reach the first predetermined duration, and / If the duration of the last mobile payment does not reach the second predetermined duration, the login verification information is directly read, and the automatic login and payment are performed according to the login verification information, so that the user can be effectively prevented from moving for multiple times in a short time.
  • Branch The cumbersome operation of paying for the payment information frequently increases the user experience.
  • the user can set the first predetermined duration and/or the second predetermined duration according to his or her own personalized needs.
  • the method further includes: a detecting unit, configured to detect whether the recording unit records the duration of the login verification information of the mobile payment to reach the first predetermined duration, and/or detects the distance last time Whether the duration of the mobile payment reaches the second predetermined duration; the recording unit is further configured to delete the login verification information when the detection result of the detecting unit is YES.
  • the login verification information is deleted when the duration of the login verification information for recording the mobile payment is detected to reach the first predetermined duration, and/or when the length of the last mobile payment is detected to reach the second predetermined duration.
  • the method further includes: an encryption unit, configured to: after the recording unit records the login verification information of the mobile payment, encrypt the login verification information to obtain ciphertext information;
  • the processing unit includes: a reading unit, configured to read the ciphertext information; and a decryption unit, configured to perform decryption processing on the ciphertext information to obtain the login verification information.
  • the security of the user login information is effectively ensured, thereby ensuring the security of automatic login and payment through the login information.
  • the encryption unit is specifically configured to: perform software encryption on the login verification information to obtain software encryption information, and perform hardware encryption on the software encryption information by using an embedded security chip to obtain the Ciphertext information, wherein the ciphertext information is stored in the embedded security chip.
  • the security of the login information is greatly improved by software encryption of the login information to generate software encryption information, and hardware encryption of the software encryption information by the embedded security chip.
  • the method further includes: a second determining unit, configured to determine whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information;
  • the unit is specifically configured to determine in the second determining unit When the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information, it is determined whether the duration of recording the login verification information reaches the first predetermined duration, and/or the determination distance is last performed. Whether the duration of the mobile payment reaches the operation of the second predetermined duration.
  • the user by judging whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information, the user is prevented from selecting a different mobile payment type when making the payment, and the system still records according to the Signing verification information for payment causes misoperation.
  • FIG. 1 shows a schematic flow chart of a mobile payment method for a terminal according to an embodiment of the present invention
  • FIG. 2 shows a schematic block diagram of a mobile payment device for a terminal in accordance with one embodiment of the present invention
  • FIG. 3 shows a schematic flow chart of a mobile payment method in accordance with another embodiment of the present invention.
  • FIG. 1 shows a schematic flow chart of a mobile payment method for a terminal in accordance with one embodiment of the present invention.
  • a mobile payment method for a terminal includes the following steps: Step 102: Record the login verification information of the mobile payment when the user successfully passes the mobile payment; Step 104, if it is detected that the user needs to perform the mobile payment again, determine whether the duration of recording the login verification information reaches the first time. Determining the duration, and/or judging whether the length of the last mobile payment has reached a second predetermined duration; and step 106, when determining that the duration of recording the login verification information has not reached the first predetermined duration, and/or determining When the duration of the last mobile payment has not reached the second predetermined duration, the login verification information is read, and automatic login and payment are performed based on the login verification information.
  • the login verification information when the user successfully passes the mobile payment, by recording the login verification information of the mobile payment, and detecting that the user needs to perform the mobile payment again, if the time of recording the login verification information does not reach the first predetermined duration, and / If the duration of the last mobile payment does not reach the second predetermined duration, the login verification information is directly read, and the automatic login and payment are performed according to the login verification information, so that the user can be effectively prevented from moving for multiple times in a short time.
  • the cumbersome operation of paying and frequently inputting payment information improves the user experience.
  • the user can set the first predetermined duration and/or the second predetermined duration according to his or her own personalized needs.
  • the method further includes: detecting whether a duration of recording the login verification information of the mobile payment reaches the first predetermined duration, and/or detecting a distance Whether the duration of the last mobile payment has reached the second predetermined duration, and if so, the login verification information is deleted.
  • the login verification information is deleted when the duration of the login verification information for recording the mobile payment is detected to reach the first predetermined duration, and/or when the length of the last mobile payment is detected to reach the second predetermined duration.
  • the method further includes: encrypting the login verification information to obtain ciphertext information; and the step of reading the login verification information specifically includes: Reading the ciphertext information, and decrypting the ciphertext information to obtain the login verification information.
  • the step of encrypting the login verification information specifically includes: performing software encryption on the login verification information to obtain software encryption information; and performing hardware on the software encryption information by using an embedded security chip. Encrypted to obtain the ciphertext information, wherein the ciphertext information is stored in the embedded security chip.
  • the security of the login information is greatly improved by software encryption of the login information to generate software encryption information, and hardware encryption of the software encryption information by the embedded security chip.
  • the method further includes: determining whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information; determining that the user needs to When the type of the mobile payment is matched with the type of the mobile payment corresponding to the stored login verification information, it is determined whether the duration of recording the login verification information reaches the first predetermined duration, and/or whether the length of the last mobile payment is determined. The step of reaching the second predetermined length of time.
  • the user by judging whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information, the user is prevented from selecting a different mobile payment type when making the payment, and the system still records according to the Signing verification information for payment causes misoperation.
  • FIG. 2 shows a schematic block diagram of a mobile payment device for a terminal in accordance with one embodiment of the present invention.
  • a mobile payment device 200 for a terminal includes a recording unit 202, a first judging unit 204, and a processing unit 206.
  • the recording unit 202 is configured to record the login verification information of the mobile payment when the user successfully passes the mobile payment.
  • the first determining unit 204 is configured to determine the recording unit when detecting that the user needs to perform mobile payment again. 202: Record whether the duration of the login verification information reaches the first predetermined duration, and/or determine whether the duration of the last mobile payment has reached a second predetermined duration; the processing unit 206 is configured to determine at the first determining unit 204 The record When the unit 202 records that the duration of the login verification information does not reach the first predetermined duration, and/or when the first determining unit 204 determines that the duration of the last mobile payment has not reached the second predetermined duration, The login verification information is read, and automatic login and payment are performed according to the login verification information.
  • the login verification information when the user successfully passes the mobile payment, by recording the login verification information of the mobile payment, and detecting that the user needs to perform the mobile payment again, if the time of recording the login verification information does not reach the first predetermined duration, and / If the duration of the last mobile payment does not reach the second predetermined duration, the login verification information is directly read, and the automatic login and payment are performed according to the login verification information, so that the user can be effectively prevented from moving for multiple times in a short time.
  • the cumbersome operation of paying and frequently inputting payment information improves the user experience.
  • the user can set the first predetermined duration and/or the second predetermined duration according to his or her own personalized needs.
  • the detecting unit 208 is configured to detect whether the recording unit 202 records the duration of the login verification information of the mobile payment to reach the first predetermined duration, and/or the detection distance. Whether the duration of the mobile payment is up to the second predetermined duration; the recording unit 202 is further configured to delete the login verification information when the detection result of the detecting unit 208 is YES.
  • the login verification information is deleted when the duration of the login verification information for recording the mobile payment is detected to reach the first predetermined duration, and/or when the length of the last mobile payment is detected to reach the second predetermined duration.
  • the method further includes: an encryption unit 210, configured to: after the recording unit 202 records the login verification information of the mobile payment, encrypt the login verification information to obtain ciphertext information;
  • the processing unit 206 includes: a reading unit 2062, configured to read the ciphertext information; and a decrypting unit 2064, configured to perform decryption processing on the ciphertext information to obtain the login verification information.
  • the security of the user login information is effectively ensured, thereby ensuring the security of automatic login and payment through the login information.
  • the encryption unit 210 is configured to: perform software encryption on the login verification information to obtain software encryption information; and perform hardware encryption on the software encryption information by using an embedded security chip to obtain a solution.
  • the ciphertext information is stored, wherein the ciphertext information is stored in the embedded security chip.
  • the security of the login information is greatly improved by software encryption of the login information to generate software encryption information, and hardware encryption of the software encryption information by the embedded security chip.
  • the method further includes: a second determining unit 212, configured to determine whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information;
  • the determining unit 204 is specifically configured to: when the second determining unit 212 determines that the type of the mobile payment that the user needs to perform again is matched with the mobile payment type corresponding to the stored login verification information, perform determination to record the login verification information. Whether the duration reaches the first predetermined duration, and/or determines whether the distance from the last mobile payment payment has reached the second predetermined duration.
  • the user by judging whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information, the user is prevented from selecting a different mobile payment type when making the payment, and the system still records according to the Signing verification information for payment causes misoperation.
  • the mobile payment method according to another embodiment of the present invention specifically includes:
  • Step 302 Set a recording duration of the login verification information of the mobile payment when the user successfully passes the mobile payment. For example, it can be set to use the password for the first time, and N (for example, 10 minutes) can be secretly paid (that is, the duration of the login verification information is N minutes), wherein the login authentication information of the user includes the mobile payment type and the account number. , password, etc. In addition, it is also possible to set a confidential payment for N minutes after each payment.
  • step 304 an independent chip eSE (embedded secure element) having a financial security level is initialized, and a corresponding storage space is reserved.
  • eSE embedded secure element
  • Step 306 Acquire a first software encryption by using a mobile payment type, an account number, and a password when the mobile payment succeeds, to generate a software-encrypted ciphertext.
  • Step 308 The first software encrypted ciphertext is transmitted to the eSE chip, and then encrypted and stored for a second time by the eSE hardware encryption algorithm.
  • Step 310 Determine whether the type of the mobile payment that the user needs to perform again matches the mobile payment type corresponding to the stored login verification information. If yes, go to step 312; otherwise, end.
  • step 312 it is determined whether the user has used the mobile payment type for payment within the set time. If yes, go to step 314; otherwise, go to step 316.
  • Step 314 Read the ciphertext including the mobile payment type, the account number, and the password in the eSE chip for hardware decryption and software decryption to obtain the plaintext of the mobile payment type, the account number, and the password, and pass the plaintext to the payment software client to directly complete the transaction. .
  • step 316 the recorded login payment information is completely deleted, the user re-enters the new login payment information, and returns to step 306.
  • the cumbersome operation of frequently inputting the same password by using the mobile payment multiple times in a short time can be effectively avoided under the premise of ensuring the account, password storage and transmission security of the mobile payment, and the operation is greatly improved.
  • the user's experience of using mobile payment is greatly improved.
  • the number of times that the user can receive the confidential payment can also be set, so that the next time the mobile payment is made, whether the number of times the confidential payment has been made is determined. A password is required.
  • the present invention provides a new mobile payment solution for a terminal, which can effectively prevent the user from frequently inputting payment information due to multiple use of mobile payment in a short time.
  • the cumbersome operation is beneficial to enhance the user experience.

Abstract

L'invention concerne un procédé et un dispositif de paiement mobile pour des terminaux. Le procédé de paiement mobile pour des terminaux consiste : à enregistrer, lorsqu'un utilisateur réussit un paiement mobile, des informations d'authentification de connexion du paiement mobile (102) ; à déterminer, s'il est détecté que l'utilisateur a besoin d'effectuer de nouveau un paiement mobile, si une durée allant du moment actuel au moment auquel les informations d'authentification de connexion sont enregistrées atteint ou non une première durée prédéterminée, et/ou à déterminer si une durée allant de ce paiement mobile au dernier paiement mobile atteint ou non une seconde durée prédéterminée (104) ; à lire les informations d'authentification de connexion et à effectuer une connexion et un paiement automatiques selon les informations d'authentification de connexion, lorsqu'il est déterminé que la durée allant du moment actuel au moment auquel les informations d'authentification de connexion sont enregistrées n'atteint pas la première durée prédéterminée et/ou lorsqu'il est déterminé que la durée allant de ce paiement mobile au dernier paiement mobile n'atteint pas la seconde durée prédéterminée (106). Le procédé de paiement peut libérer efficacement l'utilisateur de l'opération complexe d'entrée fréquente d'informations de paiement lors de l'exécution de multiples paiements mobiles pendant une courte période, permettant ainsi d'améliorer l'expérience d'utilisateur.
PCT/CN2016/080592 2015-08-27 2016-04-29 Procédé et dispositif de paiement mobile pour des terminaux WO2017032034A1 (fr)

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CN201510535347.0A CN105184562A (zh) 2015-08-27 2015-08-27 用于终端的移动支付方法及装置
CN201510535347.0 2015-08-27

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CN105184562A (zh) * 2015-08-27 2015-12-23 宇龙计算机通信科技(深圳)有限公司 用于终端的移动支付方法及装置
CN107122963B (zh) * 2016-02-24 2020-10-16 阿里巴巴集团控股有限公司 一种进行支付的方法和设备
CN106130739A (zh) * 2016-08-29 2016-11-16 乐视控股（北京）有限公司 应用程序登录处理方法及装置
CN106875178A (zh) * 2017-01-11 2017-06-20 深圳市金立通信设备有限公司 一种电子支付方法及终端
CN107480491A (zh) * 2017-07-19 2017-12-15 广东欧珀移动通信有限公司 信息处理方法及相关产品
CN107679852A (zh) * 2017-09-28 2018-02-09 珠海市魅族科技有限公司 支付控制方法及装置、终端及可读存储介质
CN108429735A (zh) * 2018-02-11 2018-08-21 众算（上海）数据科技有限公司 一种数据加密方法
CN108429736A (zh) * 2018-02-11 2018-08-21 众算（上海）数据科技有限公司 一种数据解密方法
CN110378689A (zh) * 2019-07-24 2019-10-25 北京顺丰同城科技有限公司 一种支付方法、装置、电子设备及计算机可读存储介质
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