WO2017035986A1 - 移动支付方法及装置 - Google Patents

移动支付方法及装置 Download PDF

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Publication number
WO2017035986A1
WO2017035986A1 PCT/CN2015/097712 CN2015097712W WO2017035986A1 WO 2017035986 A1 WO2017035986 A1 WO 2017035986A1 CN 2015097712 W CN2015097712 W CN 2015097712W WO 2017035986 A1 WO2017035986 A1 WO 2017035986A1
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WO
WIPO (PCT)
Prior art keywords
hardware
preset
information
payment
operation instruction
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PCT/CN2015/097712
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English (en)
French (fr)
Inventor
高毅
王洪强
葛云源
Original Assignee
小米科技有限责任公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 小米科技有限责任公司 filed Critical 小米科技有限责任公司
Priority to RU2016113406A priority Critical patent/RU2648940C2/ru
Priority to JP2016518201A priority patent/JP2017530430A/ja
Priority to KR1020167007274A priority patent/KR20170037867A/ko
Priority to MX2016004434A priority patent/MX364873B/es
Publication of WO2017035986A1 publication Critical patent/WO2017035986A1/zh

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/32User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31User authentication
    • G06F21/36User authentication by graphic or iconic representation
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0487Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser
    • G06F3/0488Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
    • G06F3/04886Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/18Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W8/00Network data management
    • H04W8/22Processing or transfer of terminal data, e.g. status or physical capabilities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21Indexing 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
    • G06F2221/2133Verifying human interaction, e.g., Captcha

Definitions

  • the present disclosure relates to the field of mobile payment technologies, and in particular, to a mobile payment method and apparatus.
  • the present disclosure provides a mobile payment method and apparatus.
  • a mobile payment method including:
  • the payment operation status is set to an operation invalid state
  • the hardware operation instruction satisfies the preset condition, updating the payment operation state to an operation effective state, where the preset condition includes that the hardware information in the hardware operation instruction is consistent with the preset hardware information.
  • the hardware operation instruction meets a preset condition, including:
  • the preset hardware information is two pieces of hardware information, obtaining hardware information of the received two hardware operation instructions in sequence, and obtaining a receiving time of each of the hardware operation instructions;
  • the hardware information obtained in sequence is consistent with the preset hardware information, and according to the receiving time, it is determined whether the receiving time interval of all two adjacent hardware operating instructions is less than a second preset threshold, if both are smaller than the The second preset threshold is used, and the hardware operation instruction satisfies the preset condition.
  • the method for determining whether the hardware operation instruction satisfies the preset condition is different due to different preset hardware information the implementation manner is flexible, and when the preset hardware information includes multiple pieces of hardware information, the hardware is added.
  • the difficulty of confirmation therefore, can better improve the security of mobile payments.
  • the first prompt information is displayed, and the first prompt information is used to prompt the user to perform mobile payment by using a hardware operation.
  • the user can be guided to perform subsequent operations by displaying the first prompt information.
  • the method further includes:
  • the current mobile payment operation is cancelled, so that the illegal user cannot perform the mobile payment operation, thereby avoiding user capital loss, when the hardware operation
  • the second prompt information is displayed to prompt the user to perform subsequent operations, thereby providing convenience for the user.
  • the method further includes:
  • the mobile payment method embodiment is configured to display a hardware information list to facilitate a user to obtain a hardware information list, and select one or more hardware information from the hardware information list according to the received hardware selection instruction to generate preset hardware information for subsequent A condition is provided as to whether the hardware operation instruction satisfies the preset condition.
  • the method further includes:
  • payment by means of combination of software and hardware can not only ensure payment security, but also display payment results, so that the user can know the payment situation.
  • the determining the update module comprises:
  • the method for determining whether the hardware operation instruction satisfies the preset condition is different due to different preset hardware information, and the implementation manner is flexible, and at the same time, the second and third determination update sub-modules are preset hardware information.
  • the second and third determination update sub-modules are preset hardware information.
  • the apparatus further includes:
  • the judging statistic module is configured to: if the hardware operation instruction received by the receiving module does not meet the preset condition, count the number of times the hardware operation instruction does not continuously satisfy the preset condition;
  • the canceling module is configured to cancel the current mobile payment operation if the number of times counted by the judgment statistic module is equal to the preset number of times;
  • the canceling module cancels the current mobile payment operation when the number of times that the hardware operation instruction continuously fails to satisfy the preset condition is equal to the preset number of times, so that the illegal user cannot perform the mobile payment operation, thereby avoiding user capital loss.
  • the second display module displays the second prompt information to prompt the user to perform subsequent operations, thereby providing convenience for the user.
  • the apparatus further includes:
  • Receiving a selection module configured to receive a hardware selection instruction input by the user, and select one or more pieces of hardware information from the hardware information list displayed by the list display module according to the hardware selection instruction;
  • And generating a save module configured to generate the preset hardware information according to the one or more pieces of hardware information selected by the receiving selection module, and save the preset hardware information.
  • the apparatus further includes:
  • An obtaining module configured to acquire a payment operation instruction input by a user, where the payment operation instruction includes: operation gesture information;
  • the payment is performed by means of combining software and hardware, which not only ensures the payment security, but also displays the payment result, so that the user can know the payment situation.
  • a mobile payment device including:
  • a memory for storing processor executable instructions
  • processor is configured to:
  • the payment operation status is set to an operation invalid state
  • the hardware operation instruction satisfies the preset condition, updating the payment operation state to an operation effective state, where the preset condition includes that the hardware information in the hardware operation instruction is consistent with the preset hardware information.
  • the mobile payment operation can be completed through the double payment verification of the software and hardware, thereby greatly improving the security of the user funds.
  • FIG. 1 is a flowchart of a mobile payment method according to an exemplary embodiment.
  • FIG. 2 is a flow chart of another mobile payment method, according to an exemplary embodiment.
  • FIG. 4c is a flowchart of another mobile payment method according to an exemplary embodiment.
  • FIG. 5 is a block diagram of a mobile payment device, according to an exemplary embodiment.
  • FIG. 7 is a block diagram of another mobile payment device, according to an exemplary embodiment.
  • FIG. 8 is a block diagram of another mobile payment device, according to an exemplary embodiment.
  • FIG. 9 is a block diagram of another mobile payment device, according to an exemplary embodiment.
  • FIG. 1 is a flowchart of a mobile payment method according to an exemplary embodiment.
  • the mobile payment method may be applied to a mobile terminal, which may include, but is not limited to, a mobile phone, a tablet (PAD).
  • a mobile terminal which may include, but is not limited to, a mobile phone, a tablet (PAD).
  • PAD tablet
  • the mobile payment method includes the following steps S101-S103:
  • step S101 when the payment information is received, the payment operation state is set to the operation invalid state.
  • the mobile terminal may set the payment operation state to the operation invalid state, for example, setting the payment button to the unclickable state.
  • step S102 a hardware operation instruction input by the user is received.
  • the payment operation cannot be completed after the payment operation status is set to the operation invalid status.
  • the user can click the hardware button, so that the mobile terminal can receive the hardware operation instruction input by the user, and the hardware operation instruction includes the hardware information that the user clicks, that is, the hardware button information.
  • the preset condition may include that the hardware information in the hardware operation instruction is consistent with the preset hardware information.
  • the hardware information may include hardware key information such as hardware key identification, number of operating hardware keys, and the like.
  • the mobile payment method embodiment is configured to receive a hardware operation instruction, and when the received hardware operation instruction satisfies a preset condition, update the payment operation status from the operation invalid state to the operation effective state to complete the mobile payment operation, that is, through hardware payment. Confirmation can complete the mobile payment operation, greatly improving the security of user funds.
  • FIG. 2 is a flowchart of another mobile payment method according to an exemplary embodiment. As shown in FIG. 2, before the step S101, the method may further include the following steps S201-203:
  • step S201 a hardware information list is displayed.
  • the hardware information list may include one or more of the following hardware keys: a volume key of the current mobile terminal, a power key, a button inserted on a device of the current mobile terminal headphone jack, and a line of the current mobile terminal. Control one or more of the volume keys on the headset.
  • the volume button includes a volume up button and a volume down button.
  • step S202 a hardware selection instruction input by the user is received, and one or more pieces of hardware information are selected from the hardware information list according to the hardware selection instruction.
  • the mobile terminal displays the hardware information list for the user to select, the user can select one or more pieces of hardware information from the hardware information list.
  • the mobile terminal receives a hardware selection instruction input by the user, and then selects one or more pieces of hardware information from the hardware information list according to the hardware selection instruction.
  • the hardware selection instruction includes one or more hardware information selected by the user, such as hardware key information.
  • step S203 preset hardware information is generated according to the selected one or more pieces of hardware information, and preset hardware information is saved.
  • the mobile payment method embodiment is configured to display a hardware information list to facilitate a user to obtain a hardware information list, and select one or more hardware information from the hardware information list according to the received hardware selection instruction to generate preset hardware information for subsequent A condition is provided as to whether the hardware operation instruction satisfies the preset condition.
  • FIG. 3 is a flowchart of another mobile payment method according to an exemplary embodiment. As shown in FIG. 3, the method may further include the following steps S301-308:
  • step S301 when the payment information is received, the payment operation state is set to the operation invalid state, and the first prompt information is displayed.
  • the mobile terminal when the mobile terminal sets the payment operation state to the operation invalid state, for example, when the payment button is set to the non-clickable state, the first prompt information may be displayed, where the first prompt information is used to prompt the user to pass the hardware. Operate for mobile payments.
  • the prompt message of “moving payment by clicking the hardware button” may be displayed, so that the user can complete the operation of clicking the hardware button according to the prompt information.
  • step S302 a hardware operation instruction input by the user is received.
  • the user since the user has preset hardware information for payment confirmation, such as hardware button information, the user can click the preset hardware button according to the prompt information to implement hardware payment confirmation.
  • hardware information for payment confirmation such as hardware button information
  • the mobile terminal When the user clicks on the hardware button, the mobile terminal, such as a mobile phone, can receive a hardware operation instruction input by the user.
  • the hardware operation instruction includes hardware button information that the user clicks.
  • the user when the user presets a hardware button information for payment confirmation, the user clicks on a hardware button, and the mobile terminal can receive a hardware operation instruction.
  • the user presets two hardware button information for payment confirmation the user clicks on two hardware buttons, and the mobile terminal can receive two hardware operation instructions.
  • the user presets at least three hardware button information for payment confirmation the user may click at least three hardware buttons, and the mobile terminal may receive at least three hardware operation instructions.
  • the number of hardware operation instructions corresponds to the number of keys operated by the user, and the mobile terminal can accurately obtain the hardware operation instruction through the corresponding relationship.
  • step S303 it is determined whether the hardware operation instruction satisfies the preset condition. If the hardware operation instruction satisfies the preset condition, step S304 is performed, and if the hardware operation instruction does not satisfy the preset condition, step S305 is performed.
  • step S304 the update payment operation state is the operation active state.
  • the preset condition when the preset hardware information is a piece of hardware information, such as a hardware button information, the preset condition may be: the hardware information in the hardware operation instruction is consistent with the preset hardware information.
  • the preset hardware information includes two pieces of hardware information, for example, two pieces of hardware button information
  • the preset condition may be: the hardware information in the two hardware operation instructions received in sequence is consistent with the preset hardware information, and the two hardware operation instructions are The time interval is less than the first preset threshold, and the first preset threshold may be 50 milliseconds or 100 milliseconds. Since the first preset threshold is very small, it can be understood that two hardware operation instructions are received at the same time, that is, the user needs to simultaneously Click on the two hardware buttons.
  • the preset condition may be: the hardware information in the at least three hardware operation instructions received in sequence is consistent with the preset hardware information, and all the two adjacent hardware operation instructions are The time interval is less than a second preset threshold, and the second preset threshold may be 1.5 seconds.
  • the order of receiving the hardware operation instructions may be set, and then the hardware operation instruction is determined when determining whether the hardware operation instruction satisfies the preset condition.
  • the receiving order is part of the above-described preset condition determination, that is, when the order of the received hardware operation instructions coincides with the storage order of the hardware information included in the preset hardware information, the order in which the preset conditions are satisfied is determined.
  • the order of receiving the remaining hardware operation instructions can also be set by the user or the system.
  • the preset hardware information is button 1, button 3 and button 2. If the hardware information in at least three hardware operation instructions received in sequence is button 1, button 3 and button 2, respectively, and all adjacent two hardware operations If the time interval of the instruction is less than 1.5 seconds, the hardware operation instruction satisfies the preset condition; if the hardware information in the at least three hardware operation instructions received in sequence is the button 1, the button 2 and the button 3, respectively, the order of the two does not correspond Therefore, the hardware operation instructions do not satisfy the preset conditions.
  • the implementation manner is flexible, and at the same time, when the preset hardware information includes multiple pieces of hardware information, increase The difficulty of hardware confirmation, therefore, can better improve the security of mobile payment.
  • step S305 the number of times the hardware operation instruction continuously fails to satisfy the preset condition is counted.
  • step S306 it is determined whether the number of times of statistics is equal to the preset number of times. If yes, S307 is performed, and if it is less, S308 is performed.
  • step S307 the current mobile payment operation is cancelled.
  • the number of times the hardware operation instruction does not satisfy the preset condition continuously is a preset number of times, for example, three times, the current mobile payment operation is canceled.
  • step S308 the second prompt information is displayed, and the hardware operation instruction re-entered by the user is received, and then the flow proceeds to step S303.
  • the second prompt information may be displayed, and the second prompt information is used to prompt the user to perform mobile payment through hardware operation.
  • the mobile terminal receives the hardware operation instruction re-entered by the user, and then determines whether the hardware operation instruction satisfies the preset condition, and if yes, may update the payment operation state to the operation effective state to complete If the mobile payment operation is not satisfied, the number of times the hardware operation instruction does not satisfy the preset condition is two times. Since the two times are less than the preset number of times three times, the second prompt information is continuously displayed, and the hardware operation re-entered by the user is received. The instruction, if the hardware operation instruction still does not satisfy the preset condition, the number of times the hardware operation instruction does not satisfy the preset condition continuously is three times, so the current mobile payment operation is cancelled.
  • the current mobile payment operation is cancelled, so that the illegal user cannot perform the mobile payment operation, thereby avoiding user capital loss, when the hardware operation
  • the second prompt information is displayed to prompt the user to perform subsequent operations, thereby providing convenience for the user.
  • the present disclosure is exemplarily described below with reference to FIG. 4a-4b.
  • the user performs online shopping through the mobile phone 41 and performs payment through the mobile phone 41.
  • the current payment interface 42 has displayed a payment amount of 100 yuan when the user is at
  • the mobile phone 41 sets the payment button 43 on the payment interface 42 to a non-clickable state, and displays a prompt message of “moving payment by hardware operation”, when the user clicks the volume increase button.
  • the mobile phone 41 determines that the button clicked by the user is consistent with the preset hardware button, and then updates the payment button 43 to a clickable state.
  • FIG. 4b after the user clicks the payment button 43, the payment operation can be completed.
  • the mobile payment operation is completed by means of software and hardware double payment confirmation, which greatly improves the security of the user funds, and can effectively avoid the user's capital loss.
  • FIG. 4c is a flowchart of another mobile payment method according to an exemplary embodiment. As shown in FIG. 4c, after step S103, the method may further include the following steps S401-402:
  • step S401 a payment operation instruction input by the user is acquired.
  • the payment operation instruction includes: operation gesture information, which may include, but is not limited to, a trajectory operation such as a click, a slide operation, or the like.
  • step S101 after receiving the payment amount, payment account and payment password input by the user, the mobile terminal sets the payment operation state to an operation invalid state, sets the payment button to a non-clickable state, and then receives the hardware input by the user.
  • the operation instruction is updated, and when the hardware operation instruction satisfies the preset condition, the payment operation state is updated to the operation effective state, and after the payment operation state is updated to the operation effective state, that is, after the payment button is set to the clickable state, the user pair may be acquired. Pay button click operation.
  • step S402 when the payment operation instruction satisfies the preset payment condition, the payment result is displayed.
  • the payment result is displayed, for example, the payment is completed, or the balance is insufficient.
  • the step of obtaining the payment operation instruction may be performed before or after acquiring the hardware operation instruction, and the embodiment does not limit the execution order of the two operation instructions, and then the two types of instructions respectively satisfy the When the condition corresponding to the instruction is displayed, the above payment result is displayed.
  • the above payment corresponds to the software payment
  • the hardware operation instruction corresponds to the hardware payment form.
  • the payment is performed through the combination of software and hardware, which not only ensures the payment security, but also displays the payment result, so that the user can know the payment situation.
  • the present disclosure also provides an embodiment of a mobile payment device.
  • the receiving setting module 51 is configured to set the payment operation state to the operation invalid state when the payment information is received.
  • the receiving module 52 is configured to receive a hardware operation instruction input by the user.
  • the determining update module 53 is configured to: if the hardware operation instruction received by the receiving module 52 meets the preset condition, update the payment operation state set by the receiving setting module 51 to an operation effective state, where the preset condition includes hardware information in the hardware operation instruction and The default hardware information is consistent.
  • the determination display module 59 is configured to display the payment result when the payment operation instruction acquired by the acquisition module 58 satisfies the preset payment condition.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • General Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • Signal Processing (AREA)
  • Databases & Information Systems (AREA)
  • Human Computer Interaction (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • User Interface Of Digital Computer (AREA)
  • Telephone Function (AREA)

Abstract

一种移动支付方法及装置,其中,移动支付方法包括:当接收到支付信息时,将支付操作状态设置为操作无效状态(S101);接收用户输入的硬件操作指令(S102);若硬件操作指令满足预设条件,则更新支付操作状态为操作有效状态(S103),预设条件包括硬件操作指令中的硬件信息与预设硬件信息一致。该方法通过硬件支付确认才可以完成移动支付操作,大大提高了用户资金的安全性。

Description

移动支付方法及装置
本申请基于申请号为201510549852.0、申请日为2015年8月31日的中国专利申请提出,并要求该中国专利申请的优先权,该中国专利申请的全部内容在此引入本申请作为参考。
技术领域
本公开涉及移动支付技术领域,尤其涉及一种移动支付方法及装置。
背景技术
随着移动终端技术的快速发展,各种智能移动终端例如手机已非常普及,并且,功能日益强大。例如,随着移动网络购物需求的增长,用户可以利用手机进行移动支付。
移动支付作为一种支付手段,由于它的方便快捷,已受到越来越多的消费者追捧。然而,随着移动支付的迅猛发展,其安全问题也越来越突出。例如,在进行移动支付时,用户移动设备上的一些病毒软件容易窃取用户的账号和密码,然后直接进行未被用户授权的交易,从而导致用户的资金损失。
发明内容
为克服相关技术中存在的问题,本公开提供一种移动支付方法及装置。
根据本公开实施例的第一方面,提供一种移动支付方法,包括:
当接收到支付信息时,将支付操作状态设置为操作无效状态;
接收用户输入的硬件操作指令;
若所述硬件操作指令满足预设条件,则更新所述支付操作状态为操作有效状态,所述预设条件包括所述硬件操作指令中的硬件信息与预设硬件信息一致。
上述移动支付方法实施例,通过接收硬件操作指令,并在接收的硬件操作指令满足预设条件时,将支付操作状态由操作无效状态更新为操作有效状态,以完成移动支付操作,即通过硬件支付确认才可以完成移动支付操作,大大提高了用户资金的安全性。
在一实施例中,所述硬件操作指令满足预设条件,包括:
若所述预设硬件信息包含一个硬件信息,则当接收的所述硬件操作指令中的硬件信息与所述预设硬件信息一致时,所述硬件操作指令满足所述预设条件;或者
若所述预设硬件信息为两个硬件信息,则按顺序获得接收的两个硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;
若按顺序获得的所述两个硬件信息与所述预设硬件信息一致,当接收的两个所述硬 件操作指令中的硬件信息所述预设硬件信息一致时,获取所述两个所述硬件操作指令的接收时间;
若且根据所述接收时间判断所述两个硬件操作指令的接收时间间隔是否小于第一预设阈值,若小于所述第一预设阈值,则所述硬件操作指令满足所述预设条件;或者,
若所述预设硬件信息为至少3个硬件信息,则按顺序获得接收的所述硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;
若按顺序获得的所述硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所有相邻两个硬件操作指令的接收时间间隔是否均小于第二预设阈值,若均小于所述第二预设阈值,则所述硬件操作指令满足所述预设条件。
上述移动支付方法实施例,由于预设硬件信息的不同,引起硬件操作指令是否满足预设条件的判断方式不同,实现手段灵活,同时,当预设硬件信息包括多个硬件信息时,增加了硬件确认的难度,因此,可以更好地提高移动支付的安全性。
在一实施例中,所述方法还包括:
在所述将支付操作状态设置为操作无效状态时,显示第一提示信息,所述第一提示信息用于提示用户通过硬件操作进行移动支付。
上述移动支付方法实施例,通过显示第一提示信息,可以引导用户进行后续操作。
在一实施例中,所述方法还包括:
若所述硬件操作指令不满足所述预设条件,则统计所述硬件操作指令连续不满足所述预设条件的次数;
若所述次数等于预设次数,则取消当前移动支付操作;
若所述次数小于所述预设次数,则显示第二提示信息,所述第二提示信息用于提示所述用户重新通过硬件操作进行移动支付,并接收所述用户重新输入的硬件操作指令。
上述移动支付方法实施例,当硬件操作指令连续不满足预设条件的次数等于预设次数时,取消当前移动支付操作,以使非法用户无法进行移动支付操作,从而避免用户资金损失,当硬件操作指令连续不满足预设条件的次数小于预设次数时,通过显示第二提示信息,以提示用户后续如何操作,为用户提供了便利。
在一实施例中,所述方法还包括:
显示硬件信息列表;
接收所述用户输入的硬件选择指令,并根据所述硬件选择指令从所述硬件信息列表中选择一个或多个硬件信息;
根据选择的所述一个或多个硬件信息生成所述预设硬件信息,并保存所述预设硬件信息。
上述移动支付方法实施例,通过显示硬件信息列表,以方便用户获得硬件信息列表,通过根据接收的硬件选择指令从硬件信息列表中选择一个或多个硬件信息,以生成预设硬件信息,为后续判断硬件操作指令是否满足预设条件提供了条件。
在一实施例中,所述方法还包括:
获取用户输入的支付操作指令,所述支付操作指令包括:操作手势信息;
当所述支付操作指令满足预设支付条件时,显示支付结果。
上述移动支付方法实施例,通过软硬件结合的方式进行支付,不仅可以保证支付安全,而且可以显示支付结果,方便用户获知支付情况。
根据本公开实施例的第二方面,提供一种移动支付装置,包括:
接收设置模块,被配置为当接收到支付信息时,将支付操作状态设置为操作无效状态;
接收模块,被配置为接收用户输入的硬件操作指令;
判断更新模块,被配置为若所述接收模块接收的所述硬件操作指令满足预设条件,则更新所述接收设置模块设置的所述支付操作状态为操作有效状态,所述预设条件包括所述硬件操作指令中的硬件信息与预设硬件信息一致。
上述移动支付装置实施例,通过接收模块接收硬件操作指令,并通过判断更新模块在接收模块接收的硬件操作指令满足预设条件时,将支付操作状态由操作无效状态更新为操作有效状态,以完成移动支付操作,即通过硬件支付确认才可以完成移动支付操作,大大提高了用户资金的安全性。
在一实施例中,所述判断更新模块包括:
第一判断更新子模块,被配置为若所述预设硬件信息包含一个硬件信息,则当接收的所述硬件操作指令中的硬件信息与所述预设硬件信息一致时,所述硬件操作指令满足所述预设条件;或者
第二判断更新子模块,被配置为若所述预设硬件信息为两个硬件信息,则按顺序获得接收的两个硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;若按顺序获得的所述两个硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所述两个硬件操作指令的接收时间间隔是否小于第一预设阈值,若小于所述第一预设阈值,则所述硬件操作指令满足所述预设条件;或者,
第三判断更新子模块,被配置为若所述预设硬件信息为至少3个硬件信息,则按顺序获得接收的所述硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;若按顺序获得的所述硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所有相邻两个硬件操作指令的接收时间间隔是否均小于第二预设阈值,若均小于所述第二预设阈值,则所述硬件操作指令满足所述预设条件。
上述移动支付装置实施例,由于预设硬件信息的不同,引起硬件操作指令是否满足预设条件的判断方式不同,实现手段灵活,同时,通过第二、第三判断更新子模块在预设硬件信息包括多个硬件信息时,判断硬件操作指令是否满足预设条件,增加了硬件确认的难度,因此,可以更好地提高移动支付的安全性。
在一实施例中,所述装置还包括:
第一显示模块,被配置为在所述接收设置模块将支付操作状态设置为操作无效状态时,显示第一提示信息,所述第一提示信息用于提示用户通过硬件操作进行移动支付。
上述移动支付装置实施例,通过第一显示模块显示第一提示信息,可以引导用户进行后续操作。
在一实施例中,所述装置还包括:
判断统计模块,被配置为若所述接收模块接收的所述硬件操作指令不满足所述预设条件,则统计所述硬件操作指令连续不满足所述预设条件的次数;
取消模块,被配置为若所述判断统计模块统计的所述次数等于预设次数,则取消当前移动支付操作;
第二显示模块,被配置为若所述判断统计模块统计的所述次数小于所述预设次数,则显示第二提示信息,所述第二提示信息用于提示所述用户重新通过硬件操作进行移动支付,并接收所述用户重新输入的硬件操作指令。
上述移动支付装置实施例,通过取消模块在硬件操作指令连续不满足预设条件的次数等于预设次数时,取消当前移动支付操作,以使非法用户无法进行移动支付操作,从而避免用户资金损失,通过第二显示模块在硬件操作指令连续不满足预设条件的次数小于预设次数时,显示第二提示信息,以提示用户后续如何操作,为用户提供了便利。
在一实施例中,所述装置还包括:
列表显示模块,被配置为显示硬件信息列表;
接收选择模块,被配置为接收所述用户输入的硬件选择指令,并根据所述硬件选择指令从所述列表显示模块显示的所述硬件信息列表中选择一个或多个硬件信息;
生成保存模块,被配置为根据所述接收选择模块选择的所述一个或多个硬件信息生成所述预设硬件信息,并保存所述预设硬件信息。
上述移动支付装置实施例,通过列表显示模块显示硬件信息列表,以方便用户获得硬件信息列表,通过接收选择模块根据接收的硬件选择指令从硬件信息列表中选择一个或多个硬件信息,以生成预设硬件信息,为后续判断硬件操作指令是否满足预设条件提供了条件。
在一实施例中,所述装置还包括:
获取模块,被配置为获取用户输入的支付操作指令,所述支付操作指令包括:操作手势信息;
判断显示模块,被配置为当所述获取模块获取的所述支付操作指令满足预设支付条件时,显示支付结果。
上述移动支付装置实施例,通过软硬件结合的方式进行支付,不仅可以保证支付安全,而且可以显示支付结果,方便用户获知支付情况。
根据本公开实施例的第三方面,提供一种移动支付装置,包括:
处理器;
用于存储处理器可执行指令的存储器;
其中,处理器被配置为:
当接收到支付信息时,将支付操作状态设置为操作无效状态;
接收用户输入的硬件操作指令;
若所述硬件操作指令满足预设条件,则更新所述支付操作状态为操作有效状态,所述预设条件包括所述硬件操作指令中的硬件信息与预设硬件信息一致。
上述移动支付装置实施例,通过软硬件双重支付确认才可以完成移动支付操作,大大提高了用户资金的安全性。
应当理解的是,以上的一般描述和后文的细节描述仅是示例性和解释性的,并不能限制本公开。
附图说明
此处的附图被并入说明书中并构成本说明书的一部分,示出了符合本发明的实施例,并与说明书一起用于解释本发明的原理。
图1是根据一示例性实施例示出的一种移动支付方法的流程图。
图2是根据一示例性实施例示出的另一种移动支付方法的流程图。
图3是根据一示例性实施例示出的另一种移动支付方法的流程图。
图4a是根据一示例性实施例示出的移动支付方法的场景图一。
图4b是根据一示例性实施例示出的移动支付方法的场景图二。
图4c是根据一示例性实施例示出的另一种移动支付方法的流程图。
图5是根据一示例性实施例示出的一种移动支付装置的框图。
图6是根据一示例性实施例示出的另一种移动支付装置的框图。
图7是根据一示例性实施例示出的另一种移动支付装置的框图。
图8是根据一示例性实施例示出的另一种移动支付装置的框图。
图9是根据一示例性实施例示出的另一种移动支付装置的框图。
图10是根据一示例性实施例示出的一种适用于移动支付装置的框图。
具体实施方式
这里将详细地对示例性实施例进行说明,其示例表示在附图中。下面的描述涉及附图时,除非另有表示,不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本发明相一致的所有实施方式。相反,它们仅是与如所附权利要求书中所详述的、本发明的一些方面相一致的装置和方法的例子。
图1是根据一示例性实施例示出的移动支付方法的流程图,如图1所示,该移动支付方法可应用于移动终端上,该移动终端可以包括但不限于手机、平板电脑(PAD)等,该移动支付方法包括以下步骤S101-S103:
在步骤S101中,当接收到支付信息时,将支付操作状态设置为操作无效状态。
在该实施例中,移动终端在接收到用户输入的支付信息例如支付金额和支付账户等信息后,可以将支付操作状态设置为操作无效状态,例如,将支付按键设置为不可点击状态。
在步骤S102中,接收用户输入的硬件操作指令。
在将支付操作状态设置为操作无效状态之后,无法完成支付操作。
为了完成支付操作,用户可以点击硬件按键,这样,移动终端可以接收用户输入的硬件操作指令,该硬件操作指令中包含用户点击的硬件信息即硬件按键信息。
在步骤S103中,若硬件操作指令满足预设条件,则更新支付操作状态为操作有效状态。
其中,预设条件可以包括硬件操作指令中的硬件信息与预设硬件信息一致。硬件信息可以包括硬件按键信息例如硬件按键标识、操作硬件按键次数等。
在该实施例中,当接收的硬件操作指令满足预设条件,则更新支付操作状态为操作有效状态,例如,可以将支付按键设置为可点击状态,这样,在用户可点击该支付按键后,移动终端可以完成支付操作。
上述移动支付方法实施例,通过接收硬件操作指令,并在接收的硬件操作指令满足预设条件时,将支付操作状态由操作无效状态更新为操作有效状态,以完成移动支付操作,即通过硬件支付确认才可以完成移动支付操作,大大提高了用户资金的安全性。
图2是根据一示例性实施例示出的另一种移动支付方法的流程图,如图2所示,在上述步骤S101之前,该方法还可以包括如下步骤S201-203:
在步骤S201中,显示硬件信息列表。
在该实施例中,硬件信息列表可以包括以下硬件按键中的一种或几种:当前移动终端的音量键、电源键,插入当前移动终端耳机插孔的设备上的按键和当前移动终端的线控耳机上的音量键中的一种或几种。
其中,音量键包括音量增加键和音量减少键。
在步骤S202中,接收用户输入的硬件选择指令,并根据硬件选择指令从硬件信息列表中选择一个或多个硬件信息。
在该实施例中,移动终端在显示供用户选择的硬件信息列表后,用户可以从该硬件信息列表中选择一个或多个硬件信息。当用户可以从该硬件信息列表中选择一个或多个硬件信息时,移动终端接收用户输入的硬件选择指令,然后根据该硬件选择指令从硬件信息列表中选择一个或多个硬件信息。
其中,该硬件选择指令中包含用户选择的一个或多个硬件信息例如硬件按键信息。
在步骤S203中,根据选择的一个或多个硬件信息生成预设硬件信息,并保存预设硬件信息。
在该实施例,可以根据选择的一个或多个硬件信息生成预设硬件信息。例如,可以 根据选择的一个或多个硬件按键信息生成预设硬件信息。
上述移动支付方法实施例,通过显示硬件信息列表,以方便用户获得硬件信息列表,通过根据接收的硬件选择指令从硬件信息列表中选择一个或多个硬件信息,以生成预设硬件信息,为后续判断硬件操作指令是否满足预设条件提供了条件。
图3是根据一示例性实施例示出的另一种移动支付方法的流程图,如图3所示,该方法还可以包括如下步骤S301-308:
在步骤S301中,当接收到支付信息时,将支付操作状态设置为操作无效状态,显示第一提示信息。
在该实施例中,移动终端在将支付操作状态设置为操作无效状态时,例如,将支付按键设置为不可点击状态时,可以显示第一提示信息,该第一提示信息用于提示用户通过硬件操作进行移动支付。
例如,可以显示“通过点击硬件按键进行移动支付”的提示信息,以方便用户根据该提示信息完成点击硬件按键的操作。
由此可见,通过显示第一提示信息,可以引导用户进行后续操作。
在步骤S302中,接收用户输入的硬件操作指令。
在该实施例中,由于用户已经预设了用于支付确认的硬件信息例如硬件按键信息,因此,用户可以根据上述提示信息点击预设的硬件按键,来实现硬件支付确认。
当用户点击硬件按键时,移动终端例如手机可以接收用户输入的硬件操作指令。该硬件操作指令中包含用户点击的硬件按键信息。
在该实施例中,当用户预设了一个用于支付确认的硬件按键信息时,用户会点击一个硬件按键,此时移动终端可以接收到一个硬件操作指令。当用户预设了两个用于支付确认的硬件按键信息时,用户会点击两个硬件按键,此时移动终端可以接收到两个硬件操作指令。当用户预设了至少三个用于支付确认的硬件按键信息时,用户会点击至少三个硬件按键,此时移动终端可以接收到至少三个硬件操作指令。
由此可见,硬件操作指令的个数与用户操作的按键个数相对应,移动终端通过这种对应关系可以准确获得硬件操作指令。
在步骤S303中,判断硬件操作指令是否满足预设条件,若硬件操作指令满足预设条件,则执行步骤S304,若硬件操作指令不满足预设条件,则执行步骤S305。
在步骤S304中,更新支付操作状态为操作有效状态。
在该实施例中,当预设硬件信息为一个硬件信息例如一个硬件按键信息时,预设条件可以为:硬件操作指令中的硬件信息与预设硬件信息一致。当预设硬件信息包括两个硬件信息例如两个硬件按键信息时,预设条件可以为:按顺序接收的两个硬件操作指令中的硬件信息与预设硬件信息一致,且两个硬件操作指令的时间间隔小于第一预设阈值,该第一预设阈值可以为50毫秒或100毫秒,由于第一预设阈值非常小,可以理解为同时接收到两个硬件操作指令,也即用户需要同时点击两个硬件按键。当预设硬件信息包括 至少三个硬件信息例如三个硬件按键信息时,预设条件可以为:按顺序接收的至少三个硬件操作指令中的硬件信息与预设硬件信息一致,且所有相邻两个硬件操作指令的时间间隔小于第二预设阈值,该第二预设阈值可以为1.5秒。
值得说明的是,当预设硬件信息包括两个或者两个以上硬件信息时,可以设定接收到硬件操作指令的顺序,则在判断硬件操作指令是否满足预设条件时,将硬件操作指令的接收顺序作为上述预设条件判断的一部分,即当接收到的硬件操作指令的顺序与预设硬件信息中包含的硬件信息的存储顺序一致时,则确定满足预设条件的顺序。当然,也可以由用户或者系统设定其余的硬件操作指令的接收顺序。
例如,预设硬件信息为按键1、按键3和按键2,若按顺序接收的至少三个硬件操作指令中的硬件信息分别为按键1、按键3和按键2,且所有相邻两个硬件操作指令的时间间隔小于1.5秒,则硬件操作指令满足预设条件;若按顺序接收的至少三个硬件操作指令中的硬件信息分别为按键1、按键2和按键3,由于二者的顺序不对应,因此,硬件操作指令不满足预设条件。
由此可见,该实施例中,由于预设硬件信息的不同,引起硬件操作指令是否满足预设条件的判断方式不同,实现手段灵活,同时,当预设硬件信息包括多个硬件信息时,增加了硬件确认的难度,因此,可以更好地提高移动支付的安全性。
在步骤S305中,统计硬件操作指令连续不满足预设条件的次数。
若接收的硬件操作指令中的硬件信息与预设硬件信息不一致,则硬件操作指令不满足预设条件。
该实施例中,需要统计硬件操作指令连续不满足预设条件的次数。
在步骤S306中,判断统计的次数是否等于预设次数,若等于,则执行S307,若小于,则执行S308。
在步骤S307中,取消当前移动支付操作。
若硬件操作指令连续不满足预设条件的次数为预设次数,例如三次,则取消当前移动支付操作。
在步骤S308中,显示第二提示信息,并接收用户重新输入的硬件操作指令,然后转向步骤S303。
若硬件操作指令连续不满足预设条件的次数为一次,则小于预设次数,可以显示第二提示信息,该第二提示信息用于提示用户重新通过硬件操作进行移动支付。当用户根据第二提示信息点击硬件按键时,移动终端接收用户重新输入的硬件操作指令,然后判断该硬件操作指令是否满足预设条件,若满足,可以更新支付操作状态为操作有效状态,以完成移动支付操作,若不满足,则硬件操作指令连续不满足预设条件的次数为两次,由于两次小于预设次数三次,因此,继续显示第二提示信息,并接收用户重新输入的硬件操作指令,若该硬件操作指令仍然不满足预设条件,则硬件操作指令连续不满足预设条件的次数为三次,故取消当前移动支付操作。
上述移动支付方法实施例,当硬件操作指令连续不满足预设条件的次数等于预设次数时,取消当前移动支付操作,以使非法用户无法进行移动支付操作,从而避免用户资金损失,当硬件操作指令连续不满足预设条件的次数小于预设次数时,通过显示第二提示信息,以提示用户后续如何操作,为用户提供了便利。
下面结合图4a-4b对本公开进行示例性说明,如图4a所示,用户通过手机41进行网上购物,并通过手机41进行付款,当前支付界面42上已显示支付金额为100元,当用户在该支付界面42输入银行卡号和支付密码后,手机41将支付界面42上的支付按键43设置为不可点击状态,并显示“通过硬件操作进行移动支付”的提示信息,当用户点击音量增加键后,手机41确定用户点击的按键与预设硬件按键一致,则将支付按键43更新为可点击状态,如图4b所示,用户在点击支付按键43后,可完成此次支付操作。
上述实施例,通过软硬件双重支付确认的方式完成移动支付操作,大大提高了用户资金的安全性,可有效避免用户资金损失。
图4c是根据一示例性实施例示出的另一种移动支付方法的流程图,如图4c所示,在步骤S103之后,该方法还可以包括如下步骤S401-402:
在步骤S401中,获取用户输入的支付操作指令。
其中,支付操作指令包括:操作手势信息,该操作手势信息可以包括但不局限于点击、滑动操作等有轨迹的操作。
例如,在步骤S101中,移动终端在接收到用户输入的支付金额、支付账户和支付密码后,将支付操作状态设置为操作无效状态,即将支付按键设置为不可点击状态,然后接收用户输入的硬件操作指令,并在硬件操作指令满足预设条件时,将支付操作状态更新为操作有效状态,在将支付操作状态更新为操作有效状态之后,即支付按键设置为可点击状态之后,可以获取用户对支付按键的点击操作。
另外,支付操作指令还可以包括语音信息、指纹信息等,假设步骤S101中的支付信息中未包含支付密码,则在点击支付按键时,可以显示提示用户输入密码的信息,此时用户可以通过语音的方式输入密码,也可以输入指纹密码,对应地,支付操作指令中可以包括语音信息或指纹信息。
在步骤S402中,当支付操作指令满足预设支付条件时,显示支付结果。
其中,预设支付条件可以包括支付按键被触发,还可以包括支付操作指令中包含的密码例如语音密码、指纹密码与预设密码一致。
在该实施例中,当支付操作指令满足预设支付条件时,显示支付结果,例如显示支付完成,或余额不足等。
另外,需要说明的是,上述获取支付操作指令的步骤,可以在获取硬件操作指令之前或者之后执行,本实施例不限定获取两种操作指令的执行顺序,进而在上述两种指令分别满足与这些指令对应的条件时,显示上述支付结果。
结合上述如图4c以及如图1所示的方法流程,在进行移动支付过程中,上述的支付 操作指令对应的是软件支付,硬件操作指令对应硬件支付形式,结合上述实施例,通过软硬件结合的方式进行支付,不仅可以保证支付安全,而且可以显示支付结果,方便用户获知支付情况。
与前述移动支付方法实施例相对应,本公开还提供了移动支付装置实施例。
图5是根据一示例性实施例示出的一种移动支付装置的框图,如图5所示,移动支付装置包括:接收设置模块51、接收模块52和判断更新模块53。
接收设置模块51,被配置为当接收到支付信息时,将支付操作状态设置为操作无效状态。
接收模块52,被配置为接收用户输入的硬件操作指令。
判断更新模块53,被配置为若接收模块52接收的硬件操作指令满足预设条件,则更新接收设置模块51设置的支付操作状态为操作有效状态,预设条件包括硬件操作指令中的硬件信息与预设硬件信息一致。
其中,硬件信息可以包括硬件按键信息例如硬件按键标识、操作硬件按键次数等。
如图5所示的装置用于实现上述如图1所示的方法流程,涉及到的相关内容描述相同,此处不赘述。
上述移动支付装置实施例,通过接收模块接收硬件操作指令,并通过判断更新模块在接收模块接收的硬件操作指令满足预设条件时,将支付操作状态由操作无效状态更新为操作有效状态,以完成移动支付操作,即通过硬件支付确认才可以完成移动支付操作,大大提高了用户资金的安全性。
图6是根据一示例性实施例示出的另一种移动支付装置的框图,如图6所示,在上述图5所示实施例的基础上,该装置还可包括:列表显示模块54、接收选择模块55和生成保存模块56。
列表显示模块54,被配置为显示硬件信息列表。
接收选择模块55,被配置为接收用户输入的硬件选择指令,并根据硬件选择指令从列表显示模块54显示的硬件信息列表中选择一个或多个硬件信息。
生成保存模块56,被配置为根据接收选择模块55选择的一个或多个硬件信息生成预设硬件信息,并保存预设硬件信息。
如图6所示的装置用于实现上述如图2所示的方法流程,涉及到的相关内容描述相同,此处不赘述。
上述移动支付装置实施例,通过列表显示模块显示硬件信息列表,以方便用户获得硬件信息列表,通过接收选择模块根据接收的硬件选择指令从硬件信息列表中选择一个或多个硬件信息,以生成预设硬件信息,为后续判断硬件操作指令是否满足预设条件提供了条件。
图7是根据一示例性实施例示出的另一种移动支付装置的框图,如图7所示,在上述图5所示实施例的基础上,判断更新模块53可包括:第一判断更新子模块531、第二 判断更新子模块532或者第三判断更新子模块533。
第一判断更新子模块531,被配置为若预设硬件信息包含一个硬件信息,则当接收的硬件操作指令中的硬件信息与预设硬件信息一致时,硬件操作指令满足预设条件。
第二判断更新子模块532,被配置为若预设硬件信息为两个硬件信息,则按顺序获得接收的两个硬件操作指令中的硬件信息,并获得每个硬件操作指令的接收时间;若按顺序获得的两个硬件信息与预设硬件信息一致,且根据接收时间判断两个硬件操作指令的接收时间间隔是否小于第一预设阈值,若小于第一预设阈值,则硬件操作指令满足预设条件。
第三判断更新子模块533,被配置为若预设硬件信息为至少3个硬件信息,则按顺序获得接收的硬件操作指令中的硬件信息,并获得每个硬件操作指令的接收时间;若按顺序获得的硬件信息与预设硬件信息一致,且根据接收时间判断所有相邻两个硬件操作指令的接收时间间隔是否均小于第二预设阈值,若均小于第二预设阈值,则硬件操作指令满足预设条件。
如图7所示的装置用于实现上述如图3所示的方法流程,涉及到的相关内容描述相同,此处不赘述。
上述移动支付装置实施例,由于预设硬件信息的不同,引起硬件操作指令是否满足预设条件的判断方式不同,实现手段灵活,同时,通过第二、第三判断更新子模块在预设硬件信息包括多个硬件信息时,判断硬件操作指令是否满足预设条件,增加了硬件确认的难度,因此,可以更好地提高移动支付的安全性。
图8是根据一示例性实施例示出的另一种移动支付装置的框图,如图8所示,在上述图5所示实施例的基础上,该装置还可包括:
第一显示模块57,被配置为在接收设置模块51将支付操作状态设置为操作无效状态时,显示第一提示信息,第一提示信息用于提示用户通过硬件操作进行移动支付。
另外,该装置还可以包括:获取模块58和判断显示模块59。
获取模块58,被配置为获取用户输入的支付操作指令,支付操作指令包括:操作手势信息。
判断显示模块59,被配置为当获取模块58获取的支付操作指令满足预设支付条件时,显示支付结果。
如图8所示的装置用于实现上述如图3、图4c所示的方法流程,涉及到的相关内容描述相同,此处不赘述。
上述移动支付装置实施例,通过第一显示模块显示第一提示信息,可以引导用户进行后续操作,通过获取模块和判断显示模块来实现通过软硬件结合方式进行支付,不仅可以保证支付安全,而且可以显示支付结果,方便用户获知支付情况。
图9是根据一示例性实施例示出的另一种移动支付装置的框图,如图8所示,在上述图5所示实施例的基础上,该装置还可包括:
判断统计模块91,被配置为若接收模块53接收的硬件操作指令不满足预设条件,则统计硬件操作指令连续不满足预设条件的次数;
取消模块92,被配置为若判断统计模块91统计的次数等于预设次数,则取消当前移动支付操作;
第二显示模块93,被配置为若判断统计模块91统计的次数小于预设次数,则显示第二提示信息,第二提示信息用于提示用户重新通过硬件操作进行移动支付,并接收用户重新输入的硬件操作指令。
如图9所示的装置用于实现上述如图3所示的方法流程,涉及到的相关内容描述相同,此处不赘述。
上述移动支付装置实施例,通过取消模块在硬件操作指令连续不满足预设条件的次数等于预设次数时,取消当前移动支付操作,以使非法用户无法进行移动支付操作,从而避免用户资金损失,通过第二显示模块在硬件操作指令连续不满足预设条件的次数小于预设次数时,显示第二提示信息,以提示用户后续如何操作,为用户提供了便利。
关于上述实施例中的装置,其中各个模块、子模块执行操作的具体方式已经在有关该方法的实施例中进行了详细描述,此处将不做详细阐述说明。
图10是根据一示例性实施例示出的一种适用于移动支付装置的框图。例如,装置1000可以是移动电话,计算机,数字广播终端,消息收发设备,游戏控制台,平板设备,医疗设备,健身设备,个人数字助理,飞行器等。
参照图10,装置1000可以包括以下一个或多个组件:处理组件1002,存储器1004,电源组件1006,多媒体组件1008,音频组件1010,输入/输出(I/O)的接口1012,传感器组件1014,以及通信组件1016。
处理组件1002通常控制装置1000的整体操作,诸如与显示,电话呼叫,数据通信,相机操作和记录操作相关联的操作。处理组件1002可以包括一个或多个处理器1020来执行指令,以完成上述的方法的全部或部分步骤。此外,处理组件1002可以包括一个或多个模块,便于处理组件1002和其他组件之间的交互。例如,处理组件1002可以包括多媒体模块,以方便多媒体组件1008和处理组件1002之间的交互。
存储器1004被配置为存储各种类型的数据以支持在设备1000的操作。这些数据的示例包括用于在装置1000上操作的任何应用程序或方法的指令,联系人数据,电话簿数据,消息,图片,视频等。存储器1004可以由任何类型的易失性或非易失性存储设备或者它们的组合实现,如静态随机存取存储器(SRAM),电可擦除可编程只读存储器(EEPROM),可擦除可编程只读存储器(EPROM),可编程只读存储器(PROM),只读存储器(ROM),磁存储器,快闪存储器,磁盘或光盘。
电力组件1006为装置1000的各种组件提供电力。电力组件1006可以包括电源管理系统,一个或多个电源,及其他与为装置1000生成、管理和分配电力相关联的组件。
多媒体组件1008包括在所述装置1000和用户之间的提供一个输出接口的屏幕。在 一些实施例中,屏幕可以包括液晶显示器(LCD)和触摸面板(TP)。如果屏幕包括触摸面板,屏幕可以被实现为触摸屏,以接收来自用户的输入信号。触摸面板包括一个或多个触摸传感器以感测触摸、滑动和触摸面板上的手势。所述触摸传感器可以不仅感测触摸或滑动动作的边界,而且还检测与所述触摸或滑动操作相关的持续时间和压力。在一些实施例中,多媒体组件1008包括一个前置摄像头和/或后置摄像头。当设备1000处于操作模式,如拍摄模式或视频模式时,前置摄像头和/或后置摄像头可以接收外部的多媒体数据。每个前置摄像头和后置摄像头可以是一个固定的光学透镜系统或具有焦距和光学变焦能力。
音频组件1010被配置为输出和/或输入音频信号。例如,音频组件1010包括一个麦克风(MIC),当装置1000处于操作模式,如呼叫模式、记录模式和语音识别模式时,麦克风被配置为接收外部音频信号。所接收的音频信号可以被进一步存储在存储器1004或经由通信组件1016发送。在一些实施例中,音频组件1010还包括一个扬声器,用于输出音频信号。
I/O接口1012为处理组件1002和外围接口模块之间提供接口,上述外围接口模块可以是键盘,点击轮,按钮等。这些按钮可包括但不限于:主页按钮、音量按钮、启动按钮和锁定按钮。
传感器组件1014包括一个或多个传感器,用于为装置1000提供各个方面的状态评估。例如,传感器组件1014可以检测到设备1000的打开/关闭状态,组件的相对定位,例如所述组件为装置1000的显示器和小键盘,传感器组件1014还可以检测装置1000或装置1000一个组件的位置改变,用户与装置1000接触的存在或不存在,装置1000方位或加速/减速和装置1000的温度变化。传感器组件1014可以包括接近传感器,被配置用来在没有任何的物理接触时检测附近物体的存在。传感器组件1014还可以包括光传感器,如CMOS或CCD图像传感器,用于在成像应用中使用。在一些实施例中,该传感器组件1014还可以包括加速度传感器,陀螺仪传感器,磁传感器,压力传感器或温度传感器。
通信组件1016被配置为便于装置1000和其他设备之间有线或无线方式的通信。装置1000可以接入基于通信标准的无线网络,如WiFi,2G或3G,或它们的组合。在一个示例性实施例中,通信组件1016经由广播信道接收来自外部广播管理系统的广播信号或广播相关信息。在一个示例性实施例中,所述通信组件1016还包括近场通信(NFC)模块,以促进短程通信。例如,在NFC模块可基于射频识别(RFID)技术,红外数据协会(IrDA)技术,超宽带(UWB)技术,蓝牙(BT)技术和其他技术来实现。
在示例性实施例中,装置1000可以被一个或多个应用专用集成电路(ASIC)、数字信号处理器(DSP)、数字信号处理设备(DSPD)、可编程逻辑器件(PLD)、现场可编程门阵列(FPGA)、控制器、微控制器、微处理器或其他电子元件实现,用于执行上述方法。
在示例性实施例中,还提供了一种包括指令的非临时性计算机可读存储介质,例如 包括指令的存储器1004,上述指令可由装置1000的处理器1020执行以完成上述方法。例如,所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
本领域技术人员在考虑说明书及实践这里公开的公开后,将容易想到本公开的其它实施方案。本申请旨在涵盖本公开的任何变型、用途或者适应性变化,这些变型、用途或者适应性变化遵循本公开的一般性原理并包括本公开未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的,本公开的真正范围和精神由下面的权利要求指出。
应当理解的是,本公开并不局限于上面已经描述并在附图中示出的精确结构,并且可以在不脱离其范围进行各种修改和改变。本公开的范围仅由所附的权利要求来限制。

Claims (13)

  1. 一种移动支付方法,其特征在于,所述方法包括:
    当接收到支付信息时,将支付操作状态设置为操作无效状态;
    接收用户输入的硬件操作指令;
    若所述硬件操作指令满足预设条件,则更新所述支付操作状态为操作有效状态,所述预设条件包括所述硬件操作指令中的硬件信息与预设硬件信息一致。
  2. 根据权利要求1所述的移动支付方法,其特征在于,所述硬件操作指令满足预设条件,包括:
    若所述预设硬件信息包括一个硬件信息,则当接收的所述硬件操作指令中的硬件信息与所述预设硬件信息一致时,所述硬件操作指令满足所述预设条件;或者
    若所述预设硬件信息包括两个硬件信息,则按顺序获得接收的两个硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;
    若按顺序获得的所述两个硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所述两个硬件操作指令的接收时间间隔是否小于第一预设阈值,若小于所述第一预设阈值,则所述硬件操作指令满足所述预设条件;或者,
    若所述预设硬件信息包括至少3个硬件信息,则按顺序获得接收的所述硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;
    若按顺序获得的所述硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所有相邻两个硬件操作指令的接收时间间隔是否均小于第二预设阈值,若均小于所述第二预设阈值,则所述硬件操作指令满足所述预设条件。
  3. 根据权利要求1所述的移动支付方法,其特征在于,所述方法还包括:
    在所述将支付操作状态设置为操作无效状态时,显示第一提示信息,所述第一提示信息用于提示用户通过硬件操作进行移动支付。
  4. 根据权利要求1所述的移动支付方法,其特征在于,所述方法还包括:
    若所述硬件操作指令不满足所述预设条件,则统计所述硬件操作指令连续不满足所述预设条件的次数;
    若所述次数等于预设次数,则取消当前移动支付操作;
    若所述次数小于所述预设次数,则显示第二提示信息,所述第二提示信息用于提示所述用户重新通过硬件操作进行移动支付,并接收所述用户重新输入的硬件操作指令。
  5. 根据权利要求1所述的移动支付方法,其特征在于,所述方法还包括:
    显示硬件信息列表;
    接收所述用户输入的硬件选择指令,并根据所述硬件选择指令从所述硬件信息列表中选择一个或多个硬件信息;
    根据选择的所述一个或多个硬件信息生成所述预设硬件信息,并保存所述预设硬件信息。
  6. 根据权利要求1所述的移动支付方法,其特征在于,所述方法还包括:
    获取用户输入的支付操作指令,所述支付操作指令包括:操作手势信息;
    当所述支付操作指令满足预设支付条件时,显示支付结果。
  7. 一种移动支付装置,其特征在于,所述装置包括:
    接收设置模块,被配置为当接收到支付信息时,将支付操作状态设置为操作无效状态;
    接收模块,被配置为接收用户输入的硬件操作指令;
    判断更新模块,被配置为若所述接收模块接收的所述硬件操作指令满足预设条件,则更新所述接收设置模块设置的所述支付操作状态为操作有效状态,所述预设条件包括所述硬件操作指令中的硬件信息与预设硬件信息一致。
  8. 根据权利要求7所述的移动支付装置,其特征在于,所述判断更新模块包括:
    第一判断更新子模块,被配置为若所述预设硬件信息包括一个硬件信息,则当接收的所述硬件操作指令中的硬件信息与所述预设硬件信息一致时,所述硬件操作指令满足所述预设条件;或者
    第二判断更新子模块,被配置为若所述预设硬件信息包括两个硬件信息,则按顺序获得接收的两个硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;若按顺序获得的所述两个硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所述两个硬件操作指令的接收时间间隔是否小于第一预设阈值,若小于所述第一预设阈值,则所述硬件操作指令满足所述预设条件;或者,
    第三判断更新子模块,被配置为若所述预设硬件信息包括至少3个硬件信息,则按顺序获得接收的所述硬件操作指令中的硬件信息,并获得每个所述硬件操作指令的接收时间;若按顺序获得的所述硬件信息与所述预设硬件信息一致,且根据所述接收时间判断所有相邻两个硬件操作指令的接收时间间隔是否均小于第二预设阈值,若均小于所述第二预设阈值,则所述硬件操作指令满足所述预设条件。
  9. 根据权利要求7所述的移动支付装置,其特征在于,所述装置还包括:
    第一显示模块,被配置为在所述接收设置模块将支付操作状态设置为操作无效状态时,显示第一提示信息,所述第一提示信息用于提示用户通过硬件操作进行移动支付。
  10. 根据权利要求7所述的移动支付装置,其特征在于,所述装置还包括:
    判断统计模块,被配置为若所述接收模块接收的所述硬件操作指令不满足所述预设条件,则统计所述硬件操作指令连续不满足所述预设条件的次数;
    取消模块,被配置为若所述判断统计模块统计的所述次数等于预设次数,则取消当前移动支付操作;
    第二显示模块,被配置为若所述判断统计模块统计的所述次数小于所述预设次数,则显示第二提示信息,所述第二提示信息用于提示所述用户重新通过硬件操作进行移动支付,并接收所述用户重新输入的硬件操作指令。
  11. 根据权利要求7所述的移动支付装置,其特征在于,所述装置还包括:
    列表显示模块,被配置为显示硬件信息列表;
    接收选择模块,被配置为接收所述用户输入的硬件选择指令,并根据所述硬件选择指令从所述列表显示模块显示的所述硬件信息列表中选择一个或多个硬件信息;
    生成保存模块,被配置为根据所述接收选择模块选择的所述一个或多个硬件信息生成所述预设硬件信息,并保存所述预设硬件信息。
  12. 根据权利要求7所述的移动支付装置,其特征在于,所述装置还包括:
    获取模块,被配置为获取用户输入的支付操作指令,所述支付操作指令包括:操作手势信息;
    判断显示模块,被配置为当所述获取模块获取的所述支付操作指令满足预设支付条件时,显示支付结果。
  13. 一种移动支付装置,其特征在于,包括:
    处理器;
    用于存储处理器可执行指令的存储器;
    其中,所述处理器被配置为:
    当接收到支付信息时,将支付操作状态设置为操作无效状态;
    接收用户输入的硬件操作指令;
    若所述硬件操作指令满足预设条件,则更新所述支付操作状态为操作有效状态,所述预设条件包括所述硬件操作指令中的硬件信息与预设硬件信息一致。
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