WO2017035986A1 - 移动支付方法及装置 - Google Patents
移动支付方法及装置 Download PDFInfo
- 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
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- hardware
- preset
- information
- payment
- operation instruction
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims abstract description 64
- 238000011022 operating instruction Methods 0.000 claims description 10
- 238000012790 confirmation Methods 0.000 abstract description 15
- 238000010586 diagram Methods 0.000 description 13
- 238000004891 communication Methods 0.000 description 10
- 238000012545 processing Methods 0.000 description 8
- 238000005516 engineering process Methods 0.000 description 7
- 230000003287 optical effect Effects 0.000 description 4
- 230000005236 sound signal Effects 0.000 description 4
- 230000001133 acceleration Effects 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 238000007726 management method Methods 0.000 description 2
- 230000006978 adaptation Effects 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 238000003384 imaging method Methods 0.000 description 1
- 239000004973 liquid crystal related substance Substances 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 230000001960 triggered effect Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Images
Classifications
-
- 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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
-
- 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]
-
- 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
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
-
- 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
- G06F21/36—User authentication by graphic or iconic representation
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F3/00—Input 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
- G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
- G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
- G06F3/0487—Interaction 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
- G06F3/0488—Interaction 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
- G06F3/04886—Interaction 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
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- 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
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
-
- 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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/22—Processing or transfer of terminal data, e.g. status or physical capabilities
-
- 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
- G06F2221/2133—Verifying 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.
Landscapes
- 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
Description
Claims (13)
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
- 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。
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
RU2016113406A RU2648940C2 (ru) | 2015-08-31 | 2015-12-17 | Способ и устройство для мобильной оплаты |
JP2016518201A JP2017530430A (ja) | 2015-08-31 | 2015-12-17 | モバイル支払方法および装置 |
KR1020167007274A KR20170037867A (ko) | 2015-08-31 | 2015-12-17 | 모바일 지불 방법 및 장치 |
MX2016004434A MX364873B (es) | 2015-08-31 | 2015-12-17 | Método y dispositivo de pago móvil. |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN201510549852.0 | 2015-08-31 | ||
CN201510549852.0A CN105160527A (zh) | 2015-08-31 | 2015-08-31 | 移动支付方法及装置 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2017035986A1 true WO2017035986A1 (zh) | 2017-03-09 |
Family
ID=54801376
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/CN2015/097712 WO2017035986A1 (zh) | 2015-08-31 | 2015-12-17 | 移动支付方法及装置 |
Country Status (8)
Country | Link |
---|---|
US (1) | US20170061425A1 (zh) |
EP (1) | EP3136327A1 (zh) |
JP (1) | JP2017530430A (zh) |
KR (1) | KR20170037867A (zh) |
CN (1) | CN105160527A (zh) |
MX (1) | MX364873B (zh) |
RU (1) | RU2648940C2 (zh) |
WO (1) | WO2017035986A1 (zh) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN105160527A (zh) * | 2015-08-31 | 2015-12-16 | 小米科技有限责任公司 | 移动支付方法及装置 |
CN111738715B (zh) * | 2015-12-21 | 2024-06-18 | 创新先进技术有限公司 | 一种支付码支付方法和装置 |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101834946A (zh) * | 2010-05-11 | 2010-09-15 | 丁峰 | 一种进行安全手机支付的方法和进行安全支付的手机 |
CN102932333A (zh) * | 2012-10-07 | 2013-02-13 | 潘铁军 | 一种移动支付的安全设备、系统和方法 |
CN104901934A (zh) * | 2014-09-19 | 2015-09-09 | 腾讯科技(深圳)有限公司 | 一种用于用户终端的数据处理方法及用户终端 |
CN105160527A (zh) * | 2015-08-31 | 2015-12-16 | 小米科技有限责任公司 | 移动支付方法及装置 |
Family Cites Families (13)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2005071008A (ja) * | 2003-08-22 | 2005-03-17 | Matsushita Electric Ind Co Ltd | 情報端末装置 |
EA013142B1 (ru) * | 2008-04-09 | 2010-02-26 | Шин, Елена Ильинична | Способ предоставления услуг финансовых транзакций с использованием мобильного телефона |
US9082117B2 (en) * | 2008-05-17 | 2015-07-14 | David H. Chin | Gesture based authentication for wireless payment by a mobile electronic device |
KR101789113B1 (ko) * | 2009-05-03 | 2017-10-23 | 에스에무케이 가부시키가이샤 | 휴대폰과 같은 이동 통신 디바이스를 이용하는 지불 단말기;자동 이체 지불 트랜잭션의 방법 |
US8528072B2 (en) * | 2010-07-23 | 2013-09-03 | Apple Inc. | Method, apparatus and system for access mode control of a device |
US20120133484A1 (en) * | 2010-11-29 | 2012-05-31 | Research In Motion Limited | Multiple-input device lock and unlock |
US8812994B2 (en) * | 2011-12-29 | 2014-08-19 | Apple Inc. | Device, method, and graphical user interface for configuring restricted interaction with a user interface |
EP3379441B1 (en) * | 2012-06-11 | 2019-12-18 | Samsung Electronics Co., Ltd. | Mobile device and control method thereof |
WO2014030875A1 (en) * | 2012-08-24 | 2014-02-27 | Samsung Electronics Co., Ltd. | Apparatus and method for providing interaction information by using image on device display |
CN104123651B (zh) * | 2013-04-26 | 2019-07-12 | 腾讯科技(深圳)有限公司 | 网络交易系统的操作指令识别处理方法和系统 |
SG2013058961A (en) * | 2013-08-02 | 2015-03-30 | Mastercard Asia Pacific Pte Ltd | A mobile computing device, a method for performing a transaction, and a computer-readable storage medium |
RU145624U1 (ru) * | 2014-06-25 | 2014-09-20 | Александр Викторович Швец | Система получения, хранения и обработки данных при проведении расчетных операций |
CN104835037A (zh) * | 2015-04-28 | 2015-08-12 | 新石器龙码(北京)科技有限公司 | 一种键盘管理方法及支持交易支付功能的移动终端 |
-
2015
- 2015-08-31 CN CN201510549852.0A patent/CN105160527A/zh active Pending
- 2015-12-17 RU RU2016113406A patent/RU2648940C2/ru active
- 2015-12-17 WO PCT/CN2015/097712 patent/WO2017035986A1/zh active Application Filing
- 2015-12-17 MX MX2016004434A patent/MX364873B/es active IP Right Grant
- 2015-12-17 KR KR1020167007274A patent/KR20170037867A/ko not_active Application Discontinuation
- 2015-12-17 JP JP2016518201A patent/JP2017530430A/ja active Pending
-
2016
- 2016-05-31 EP EP16172293.9A patent/EP3136327A1/en not_active Ceased
- 2016-07-05 US US15/202,295 patent/US20170061425A1/en not_active Abandoned
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101834946A (zh) * | 2010-05-11 | 2010-09-15 | 丁峰 | 一种进行安全手机支付的方法和进行安全支付的手机 |
CN102932333A (zh) * | 2012-10-07 | 2013-02-13 | 潘铁军 | 一种移动支付的安全设备、系统和方法 |
CN104901934A (zh) * | 2014-09-19 | 2015-09-09 | 腾讯科技(深圳)有限公司 | 一种用于用户终端的数据处理方法及用户终端 |
CN105160527A (zh) * | 2015-08-31 | 2015-12-16 | 小米科技有限责任公司 | 移动支付方法及装置 |
Also Published As
Publication number | Publication date |
---|---|
MX364873B (es) | 2019-05-08 |
CN105160527A (zh) | 2015-12-16 |
EP3136327A1 (en) | 2017-03-01 |
KR20170037867A (ko) | 2017-04-05 |
JP2017530430A (ja) | 2017-10-12 |
MX2016004434A (es) | 2017-05-15 |
US20170061425A1 (en) | 2017-03-02 |
RU2016113406A (ru) | 2017-12-07 |
RU2648940C2 (ru) | 2018-03-28 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US9860844B2 (en) | Method and apparatus of temperature control | |
EP3133528B1 (en) | Method and apparatus for fingerprint identification | |
US20180046336A1 (en) | Instant Message Processing Method and Apparatus, and Storage Medium | |
EP3300407B1 (en) | Method and device for processing verification code | |
WO2017219270A1 (zh) | 虚拟卡片显示方法及装置 | |
US20170060320A1 (en) | Method for controlling a mobile terminal using a side touch panel | |
US20170293403A1 (en) | Method and device for displaying pages in application program and computer-readable medium | |
WO2017071078A1 (zh) | 通讯模组固件和插件生成方法及装置 | |
RU2647638C2 (ru) | Способ и аппаратура для распознавания отпечатков пальцев и мобильный терминал | |
US20170344177A1 (en) | Method and device for determining operation mode of terminal | |
WO2017193526A1 (zh) | 应用界面显示方法及装置 | |
US20170300260A1 (en) | Method, device and computer-readable storage medium for data migration | |
CN109324846B (zh) | 应用显示方法及装置、存储介质 | |
CN107798309B (zh) | 指纹录入方法、装置及计算机可读存储介质 | |
WO2016110146A1 (zh) | 移动终端及虚拟按键的处理方法 | |
WO2017092500A1 (zh) | 功能键的触控方法及装置 | |
WO2021012404A1 (zh) | 一种信息展示方法、装置及介质 | |
WO2018018361A1 (zh) | 日历事件创建方法及装置 | |
CN108874450B (zh) | 唤醒语音助手的方法及装置 | |
CN107656616B (zh) | 输入界面显示方法、装置、电子设备 | |
CN109769191B (zh) | 音频输出检测方法及装置、电子设备 | |
WO2017035986A1 (zh) | 移动支付方法及装置 | |
WO2018049611A1 (zh) | 权限控制方法及装置 | |
WO2017211021A1 (zh) | 应用触发方法及装置 | |
US20170154318A1 (en) | Information processing method, apparatus, and storage medium |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
ENP | Entry into the national phase |
Ref document number: 20167007274 Country of ref document: KR Kind code of ref document: A |
|
ENP | Entry into the national phase |
Ref document number: 2016518201 Country of ref document: JP Kind code of ref document: A |
|
WWE | Wipo information: entry into national phase |
Ref document number: MX/A/2016/004434 Country of ref document: MX |
|
ENP | Entry into the national phase |
Ref document number: 2016113406 Country of ref document: RU Kind code of ref document: A |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application |
Ref document number: 15902792 Country of ref document: EP Kind code of ref document: A1 |
|
NENP | Non-entry into the national phase |
Ref country code: DE |
|
122 | Ep: pct application non-entry in european phase |
Ref document number: 15902792 Country of ref document: EP Kind code of ref document: A1 |