WO2018095171A1 - 一种支付方法和装置 - Google Patents

一种支付方法和装置 Download PDF

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Publication number
WO2018095171A1
WO2018095171A1 PCT/CN2017/107129 CN2017107129W WO2018095171A1 WO 2018095171 A1 WO2018095171 A1 WO 2018095171A1 CN 2017107129 W CN2017107129 W CN 2017107129W WO 2018095171 A1 WO2018095171 A1 WO 2018095171A1
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WO
WIPO (PCT)
Prior art keywords
device identifier
surrounding device
terminal
surrounding
identifiers
Prior art date
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Ceased
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PCT/CN2017/107129
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English (en)
French (fr)
Inventor
余玮琦
万四爽
张莉敏
华锦芝
何朔
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to US16/461,683 priority Critical patent/US11250434B2/en
Publication of WO2018095171A1 publication Critical patent/WO2018095171A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0635—Risk analysis of enterprise or organisation activities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Definitions

  • Embodiments of the present invention relate to the field of payment technologies, and in particular, to a payment method and apparatus.
  • the mainstream payment method usually requires the user to input an account and a password to verify the identity of the user.
  • the specific operation method is: before the payment, the user needs to input the account and password to verify, and if the account and password input by the user are correct, the user can perform the payment.
  • the payment process is troublesome, resulting in poor user experience; and if the entered account and password are incorrect, the payment cannot be continued, and the user needs to apply for a password to retrieve or reset the password, which is cumbersome and may even fail to retrieve the password. Bringing a worse experience to users; in particular, the security of payment is being threatened more and more.
  • the embodiment of the invention provides a payment method and device for improving the convenience and security of the confidential payment.
  • an embodiment of the present invention provides a payment method, including: receiving, by a server, a secret-free payment request sent by a terminal; receiving, by the terminal, a current peripheral device identifier searched by the terminal; the server according to the current surrounding device identifier, and the pre- The corresponding relationship between the terminal and the surrounding device identifier is performed, and the risk assessment of the current environment of the terminal is performed to obtain a total risk assessment score; the server determines the confidential payment policy corresponding to the confidential payment request according to the total risk assessment score.
  • the server first performs risk assessment on the surrounding environment where the terminal is currently located according to the received current peripheral device identifier and the preset correspondence between the terminal and the surrounding device identifier, and obtains a total risk assessment score. According to the total score of the risk assessment, the security of the surrounding environment of the terminal is determined to determine the confidential payment policy corresponding to the confidential request, thereby improving the convenience and security of the confidential payment.
  • the server performs risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains the risk assessment total score, and further includes: the server is preset. Determining, in at least one time period, a current time period corresponding to a time at which the terminal reports the current surrounding device identifier; the server is in a correspondence between the terminal corresponding to each time segment and the surrounding device identifier in the preset at least one time period.
  • the corresponding relationship between the terminal corresponding to the current device and the surrounding device identifier is determined by the server; the server determines the correspondence between the terminal corresponding to the current time segment and the surrounding device identifier as a preset relationship between the preset terminal and the surrounding device identifier.
  • the server performs a risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains a total risk assessment score, including: the server presets the terminal and All surrounding devices in the correspondence of the surrounding device IDs The identification matches the current surrounding device identifier; the server determines, from all surrounding device identifiers, the number of surrounding device identifiers that successfully match the current surrounding device identifiers and the number of surrounding device identifiers that fail to match; the server is successfully matched according to the surrounding The total number of risk assessments is obtained by the number of device IDs and the number of surrounding device IDs that failed to match.
  • the server determines the correspondence between the terminal corresponding to the current time segment and the surrounding device identifier from the correspondence between the terminal corresponding to each time segment and the surrounding device identifier in the preset at least one time period.
  • the method includes: performing, by the server, at least one surrounding device identifier that is searched by the terminal in the time period periodically reported by the terminal, for the corresponding relationship between the terminal and the surrounding device identifier corresponding to each time segment in the preset at least one time period, And indication information indicating a duration of stay of the surrounding device identified by each surrounding device identifier in the at least one surrounding device identifier during the time period; the server is within the time period according to the at least one surrounding device identifier and the indication information
  • the at least one surrounding device identifier that is searched by the terminal is classified into N types of surrounding device identifiers, where N is an integer greater than or equal to 1, and all surrounding device identifiers included in each type of surrounding device identifier in the N-type peripheral device identifier correspond to The duration of stay is
  • the server performs a risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains a total risk assessment score, including: the server from the preset terminal and The device identifier of the N type corresponding to the terminal is determined in the corresponding relationship of the surrounding device identifiers; the server matches each type of surrounding device identifier in the N-type peripheral device identifiers with the current surrounding device identifiers;
  • the server determines, from the device-like device identifiers, the number of surrounding device identifiers that successfully match the current surrounding device identifiers and the number of surrounding device identifiers that fail to match; According to the number of successful surrounding device identifications and the pre-match The product of the matching success weights of the surrounding device identifiers, and the product of the number of surrounding device identifiers that fail to match and the matching matching weights corresponding to the device identifiers of the type of the device are determined, and the risk corresponding to the device identifiers of the class is determined.
  • the server determines the total score of the risk assessment based on at least the N risk assessment scores corresponding to the identified N-type peripheral device identifiers; wherein, for each type of surrounding device identifier in the N-type peripheral device identifier, the surrounding device The longer the resident duration corresponding to the identifier, the greater the matching success weight corresponding to the device identifiers of the class, and the smaller the matching failure weight corresponding to the device identifiers around the class.
  • the server determines the total risk assessment score according to the N risk assessment scores corresponding to the determined N-type peripheral device identifiers, respectively, including: determining, by the server, the current peripheral device identifiers and the N-type peripheral device identifiers.
  • the server determines the product of the number of surrounding device identifiers that do not match the N-type peripheral device identifiers and the preset non-matching weights; wherein the preset no-matching weights are greater than N
  • the matching failure weight corresponding to each type of device identifier in the device identification of the class the server determines the product of the number of surrounding device identifiers that do not match the N-type device identifiers and the preset non-matching weights, and the N-type surrounding
  • the sum of the N risk assessment scores corresponding to the device identifiers is obtained, and the total risk assessment score is obtained.
  • the secret payment request includes a payment amount; the server determines the confidential payment policy corresponding to the confidential payment request according to the total risk assessment score, and the method includes: the server determines the confidential payment amount corresponding to the total risk assessment score; and the server determines the payment. If the amount is not greater than the exemption payment amount, the payment is made according to the exemption payment request, and the confidential payment success response message is returned to the terminal; if the server determines that the payment amount is greater than the exemption payment amount, the server returns the exempt payment to the terminal. Failure response message.
  • an embodiment of the present invention provides an electronic device, including: a processor, a memory, a transceiver, and a communication interface, wherein a processor, a memory, a transceiver, and a communication interface are connected by a bus;
  • the processor is configured to read a program in the memory, and perform the following methods: performing a risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, Obtaining a total risk assessment score; determining a confidential payment strategy corresponding to the secret payment request according to the total risk assessment score;
  • the memory is configured to store one or more executable programs, and may store data used by the processor when performing operations;
  • the transceiver is configured to receive a secret-free payment request sent by the terminal, and receive a current peripheral device identifier searched by the terminal reported by the terminal;
  • the embodiment of the present application provides a server, which is used to implement the method of the foregoing first aspect, and includes corresponding functional modules, which are respectively used to implement the steps in the foregoing method.
  • an embodiment of the present application provides a non-transitory computer readable storage medium, where a computer storage medium stores instructions that, when run on a computer, cause the computer to perform any of the first aspect or the first aspect. The method in the implementation.
  • an embodiment of the present application provides a computer program product comprising instructions, when executed on a computer, causing a computer to perform the method of the first aspect or any possible implementation of the first aspect.
  • the server first performs risk assessment on the surrounding environment where the terminal is currently located according to the received current peripheral device identifier and the preset correspondence between the terminal and the surrounding device identifier, and obtains a total risk assessment score. According to the total score of the risk assessment, the security of the surrounding environment of the terminal is determined to determine the confidential payment policy corresponding to the confidential request, thereby improving the convenience and security of the confidential payment.
  • FIG. 1 is a schematic structural diagram of a communication system according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of a payment method according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a server according to an embodiment of the present disclosure.
  • FIG. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
  • FIG. 1 is a schematic diagram showing the architecture of a communication system to which an embodiment of the present invention is applied.
  • the system architecture may include a server 101, a terminal 102, and a searched own laptop identifier 103, a smart phone identifier 104 of colleague A, a smart watch logo 105 of colleague B, and a tablet logo 106 of colleague C. , colleague D's smart bracelet 107.
  • the payment application can be installed on the terminal.
  • the connection between the terminal and the server, or between the payment application and the server, can be done wirelessly or by wire.
  • the server 101 can store resources that the payment application needs to access.
  • the server 101 may be a network device for communicating with a terminal device, and the main functions of the server include: a receiving module, a processing module, and a determining module.
  • the receiving module is configured to receive user account information sent by the terminal, and device information around the user, and transmit the information to the user information database, where the user information database stores the user personal information, such as an identification (ID), a mobile phone number, and the like. .
  • the processing module is configured to establish a preset relationship with the terminal of the received surrounding device identifier; bind the personal information of the user stored in the database; receive the current device identifier of the terminal, and set the established preset relationship with the received The current surrounding device identification is matched to obtain the total risk assessment score; the process of performing the payment.
  • the determination module is configured to determine the amount of the secret payment based on the obtained risk assessment total score.
  • the terminal 102 can communicate with one or more core networks via a Radio Access Network (RAN), and the terminal can be a payment application, and has Bluetooth or wireless fidelity (referred to as wireless fidelity).
  • RAN Radio Access Network
  • a device such as a signal, such as a smartphone, a tablet, a handheld device with wireless communication capabilities, a computing device or other processing device connected to a wireless modem, an in-vehicle device, a wearable device, a terminal device in a future 5G network, etc. .
  • the wristband 107 can transmit information to and from the server through wireless or wired means; the user can use the terminal to register information and the like, and the terminal can also respond to the Bluetooth signal sent by other devices, wherein the Bluetooth is a standard
  • the wireless communication protocol is based on a low-cost transceiver chip of the device, with a short transmission distance and low power consumption.
  • WiFi signal can be connected, wherein WiFi is a technology that allows electronic devices to connect to a Wireless Local Area Network (WLAN) technology, usually using 2.4G UHF or 5GSHF ISM RF band, with low power consumption and security features.
  • WLAN Wireless Local Area Network
  • the application can be an application (Accelerated Parallel Processing, APP for short) and the like.
  • FIG. 2 exemplarily shows a schematic flowchart of a payment method according to an embodiment of the present invention.
  • the payment method includes the following steps:
  • Step 201 The server receives the secret-free payment request sent by the terminal, and receives the current surrounding device identifier searched by the terminal reported by the terminal.
  • Step 202 The server performs risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains a total risk assessment score;
  • Step 203 The server determines, according to the total risk assessment score, a secret payment policy corresponding to the secret payment request.
  • the server first performs risk assessment on the surrounding environment where the terminal is currently located according to the received current peripheral device identifier and the preset correspondence between the terminal and the surrounding device identifier, and obtains a total risk assessment score. Determine the current location of the terminal based on the total score of the risk assessment The security of the surrounding environment is used to determine the confidential payment policy corresponding to the confidential request, thereby improving the convenience and security of the confidential payment.
  • the correspondence between the preset terminal and the surrounding device identifier may be obtained through a certain period of time training, for example, after one week or one month; the specific process is that the user downloads and installs the payment application at the terminal, and then in the payment application.
  • the personal information required for inputting is registered as the user of the application, and the payment-free function is activated; the terminal monitors the surrounding device identifier when the Bluetooth or WiFi is turned on, and uploads the searched surrounding device identifier to the server in real time, and the server according to the received terminal
  • the device identifier is sent to determine the relationship between the terminal and the surrounding device identifier, that is, the preset relationship between the preset terminal and the surrounding device identifier is obtained.
  • the server receives the confidential payment request sent by the terminal, and the current surrounding device identifier reported by the terminal; optionally, the confidential payment request and the current surrounding device identifier may be sent to the server as above, or send the secret payment first. After the request is sent, the current surrounding device identifier is sent, or the current surrounding device identifier is sent first, and then the secret payment request is sent.
  • the server After the server receives the confidential payment request sent by the terminal, and the current surrounding device identifier reported by the terminal, according to the obtained preset relationship between the preset terminal and the surrounding device identifier, and the received current surrounding device identifier, Conduct a risk assessment of the current terminal environment and obtain a risk assessment score.
  • the server performs risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains the risk assessment total score, and further includes: the server is preset. Determining, in at least one time period, a current time period corresponding to a time at which the terminal reports the current surrounding device identifier; the server is in a correspondence between the terminal corresponding to each time segment and the surrounding device identifier in the preset at least one time period. Determining the correspondence between the terminal corresponding to the current time segment and the surrounding device identifier; the server corresponding to the current time segment The correspondence between the terminal and the surrounding device identifier is determined as the correspondence between the preset terminal and the surrounding device identifier.
  • the server presets at least one time period when determining the relationship between the preset terminal and the surrounding device identifier, for example, the preset time period in the server has a working day [8:00-12:00 ], [14:00-17:00], [20:00-22:00], [8:00-12:00], [14:00-17:00], [20:00- 22:00].
  • the corresponding relationship between the terminal and the surrounding device identifier is used in each time period, for example, in the time period of the working day [8:00-12:00], the correspondence between the terminal and the surrounding device identifier is, the terminal search is To have their own laptop logo 1, colleague A's smartphone logo 2, colleague B's smart watch logo 3, colleague C's tablet logo 4, colleague D's smart bracelet 5 .
  • the smart devices found may be smart TVs at home, smart refrigerators, other people's smart phones, laptops, and the like.
  • the correspondence between the terminal and the surrounding device identifier in different time segments in different scenarios of the working day or the non-working day can be determined.
  • each of the preset at least one time period may have a time crossing, for example, [8:00-12:00] and [11:00-13:00] appear in two time segments.
  • the intersection case preferably the case where the time period does not intersect.
  • the server performs a risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains a total risk assessment score, including: the server presets the terminal and All surrounding device identifiers in the corresponding relationship of the surrounding device identifiers are matched with the current surrounding device identifiers; the server determines, from all the surrounding device identifiers, the number of surrounding device identifiers that successfully match the current surrounding device identifiers and the surrounding areas where the matching fails. The number of device IDs; the number of surrounding device IDs that the server successfully matched and the weeks that failed to match The number of surrounding equipment identifications is the total score of the risk assessment.
  • all the peripheral device identifiers in the relationship between the preset terminal and the surrounding device identifier in the server include: a laptop identifier, a smart phone identifier of the colleague A, a smart watch identifier of the colleague B, and a colleague C. Tablet ID 4, colleague D's smart bracelet 5; the server receives the current peripheral device identifier reported by the terminal: colleague A's smartphone ID 2, colleague B's smart watch ID 3, colleague C's tablet ID 4; The surrounding device identifiers are matched with the current device identifiers: the smartphone ID of the colleague A, the smart watch logo of the colleague B, and the tablet logo 4 of the colleague C, thereby determining that the number of matches is 3, and the number of mismatches is 2. Finally, the total score of the risk assessment is determined according to the number of matches and the number of mismatches.
  • the surrounding device identifier does not match the identifier of the current surrounding device, the number of matching is zero, and the number of unmatched is the total number of surrounding device identifiers.
  • the server determines the correspondence between the terminal corresponding to the current time segment and the surrounding device identifier from the correspondence between the terminal corresponding to each time segment and the surrounding device identifier in the preset at least one time period.
  • the method includes: performing, by the server, at least one surrounding device identifier that is searched by the terminal in the time period periodically reported by the terminal, for the corresponding relationship between the terminal and the surrounding device identifier corresponding to each time segment in the preset at least one time period, And indication information indicating a duration of stay of the surrounding device identified by each surrounding device identifier in the at least one surrounding device identifier during the time period; the server is within the time period according to the at least one surrounding device identifier and the indication information
  • the at least one surrounding device identifier that is searched by the terminal is classified into N types of surrounding device identifiers, where N is an integer greater than or equal to 1, and all surrounding device identifiers included in each type of surrounding device identifier in the N-type peripheral device identifier correspond to The duration of stay is
  • the server receives at least one week searched within the time period periodically reported by the terminal. a surrounding device identifier, and a resident duration information indicating that each of the surrounding device identifiers in the at least one surrounding device identifier is within the period of time; for example, the terminal searches for the surrounding device identifier A and the surrounding device identifier B, optionally
  • the surrounding device identifier A is at least one device identifier
  • the surrounding device identifier B is at least one device identifier.
  • the time period of detecting the device identifier A is [8:00-10:00]
  • the time period of the device identifier 2 is [ 9:35-11:00]
  • the time when the terminal periodically reports the device identification A is [8:00-10:00]
  • the time period of the device identification B is [9:35-11:00]
  • the time of the device ID A is 2 hours and the time of the device ID B is 1.5 hours.
  • the periodic report may report the surrounding device identifier to the server every Monday for every working day, and the server updates the surrounding device identifier saved in the server according to the surrounding device identifier periodically reported by the received terminal.
  • the device identification around the user is closer to the identifier of the device around the terminal; moreover, the longer the usage is, the closer it is to the surrounding environment of the terminal, and the longer the useless payment is, the more secure the user experience is.
  • the specific example is used to describe in detail, corresponding to the corresponding relationship between the terminal and the surrounding device identifier in each time period, such as the time period of the working day [8:00-12:00], the correspondence between the terminal and the surrounding device identifier.
  • the relationship is that the terminal searches for the logo of the laptop, the smartphone ID of the colleague A, the smartwatch logo of the colleague B, the tablet logo of the colleague C, the smart bracelet of the colleague D, and the statistics in [8: During the period of 00-12:00], the duration of searching for the logo 1 of the laptop is 1 hour, the duration of searching for the logo 2 of the smartphone is 2 hours, and the duration of searching for the smartwatch logo 3 is 3 hours, and the tablet is searched for The length of the logo 4 is 4 hours, and the duration of the smart bracelet logo 5 is 3.5 hours.
  • connection duration of the laptop logo 1 is 25% of the total duration
  • connection duration of the smartphone logo 2 is 50 of the entire duration.
  • the connection duration of the smart watch logo 3 accounts for 75% of the total duration
  • the connection duration of the tablet logo 4 is 100% of the entire duration
  • the connection duration of the smart bracelet logo 5 accounts for 87.5% of the entire duration.
  • the at least one surrounding device identifier is classified into classes.
  • the devices are generally used in the 50%-80% time range;
  • the device is saved in the list of common device identifiers, including: tablet ID 4, smart bracelet ID 5; centralized common devices are listed in the general device ID list, including: smart phone ID 2, smart watch ID 3.
  • the server performs a risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains a total risk assessment score, including: the server from the preset terminal and The device identifier of the N type corresponding to the terminal is determined in the corresponding relationship of the surrounding device identifiers; the server matches each of the surrounding device identifiers in the N-type peripheral device identifiers with the current surrounding device identifiers; For each type of surrounding device identifier, the server determines the number of surrounding device identifiers that match the current surrounding device identifiers and the number of surrounding device identifiers that failed to match, and the surrounding device identifiers that match the match successfully.
  • the product of the number of the matching and the matching success weight corresponding to the device identifier of the class, and the product of the number of surrounding device identifiers that failed to match and the matching matching weights corresponding to the device identifiers of the class are determined. Identify the corresponding risk assessment score; the server is based at least on Determining the N risk assessment scores corresponding to the N-type peripheral device identifiers, and determining the total risk assessment score; wherein, for each type of surrounding device identifier in the N-type peripheral device identifier, the resident device identifier corresponding to the resident The longer the duration, the greater the matching success weight corresponding to the device identifiers of the class, and the smaller the matching failure weight corresponding to the device identifiers around the class.
  • the server determines, according to the correspondence between the preset terminal and the surrounding device identifier, the N-type peripheral device identifier corresponding to the terminal; the server identifies each type of surrounding device identifier in the N-type peripheral device identifier with the current surrounding device respectively.
  • the logo is matched.
  • the N-type peripheral device identifier may be a common device identifier list and a general device column. After the current peripheral device identifier received by the server, each type of peripheral device identifier in the N-type peripheral device identifier is matched with the current surrounding device identifier.
  • the weight of the N-type peripheral device identifier is determined, for example, the weight of the common device identifier is 30, and the weight of the common device identifier is 15.
  • the terminal sends a payment request to the server, and the server receives the current surrounding device identifier sent by the terminal as the smart phone identifier 2, the tablet identifier 4, and the smart bracelet identifier 5, and determines the corresponding corresponding to 9.20.
  • the server receives the current surrounding device identifier sent by the terminal as the smart phone identifier 2, the tablet identifier 4, and the smart bracelet identifier 5, and determines the corresponding corresponding to 9.20.
  • the list of commonly used devices includes: tablet identification 4, smart bracelet Identification 5; the general commonly used identification list includes: smart phone identification 2, smart watch identification 3; matching the device identification in the common device identification list with the current surrounding device identification, and discovering the tablet identification 4 and the smart bracelet identification 5 and the current surrounding device
  • the number of matches in the common device identification list is 2, the number of mismatches is 1.
  • the risk assessment score indicates the security of the environment in which the terminal is located, and the higher the total risk assessment score, the safer it is.
  • the server determines the total risk assessment score according to the N risk assessment scores corresponding to the determined N-type peripheral device identifiers, respectively, including: determining, by the server, the current peripheral device identifiers and the N-type peripheral device identifiers. The number of surrounding device identifiers that do not match; the server does The product of the number of surrounding device identifiers that do not match the N-type device identifiers and the preset non-matching weights; wherein the preset non-matching weights are greater than the types of surrounding device identifiers in the N-type peripheral device identifiers.
  • the server determines the product of the number of surrounding device identifiers that do not match the N-type device identifiers and the preset non-matching weights, and the N risk assessment scores corresponding to the N-type surrounding device identifiers respectively And, get the total score for risk assessment.
  • the server receives the current surrounding device identifier sent by the terminal as a smart phone identifier 2, a tablet identifier 4, a smart bracelet identifier 5, and a new
  • the identified smartphone identifier 6 includes a list of commonly used device identifiers including: a tablet identifier 4 and a smart bracelet identifier 5; the general commonly used identifier list includes: a smart phone identifier 2, a smart watch identifier 3; and a first risk assessment is determined;
  • the server determines that there is no new and emerging intelligence in the common device identification list and the general common device identification list. If the mobile phone identification 6 matches, the number of the unmatched ones is one.
  • the risk assessment score of 60 is safer than the risk assessment score, and the risk assessment score is 50 compared to the correspondence between the preset terminal and the surrounding device identifier. A new smartphone identity 6 has appeared, and the new smartphone identity 6 will bring certain security risks, so the risk assessment score is lower.
  • the payment to the terminal is at risk, but when the server passes the current peripheral device of the terminal Conduct a risk assessment to determine the total risk assessment score, thereby It can be determined whether the environment of the equipment around the terminal is safe, thereby improving the security of the confidential payment.
  • the secret payment request includes a payment amount; the server determines the confidential payment policy corresponding to the confidential payment request according to the total risk assessment score, and the method includes: the server determines the confidential payment amount corresponding to the total risk assessment score; and the server determines the payment. If the amount is not greater than the exemption payment amount, the payment is made according to the exemption payment request, and the confidential payment success response message is returned to the terminal; if the server determines that the payment amount is greater than the exemption payment amount, the server returns the exempt payment to the terminal. Failure response message.
  • the server determines the exemption policy according to the score of the risk assessment.
  • the exemption quota is determined according to the total score of the risk assessment, and the following example is used for detailed explanation.
  • the risk assessment score is determined to be 50
  • the server determines When the risk assessment score is 50, the exemption amount is 600 yuan.
  • the server will complete the payment and return the payment success response to the terminal; when the payment request is 80 yuan
  • the server returns a response to the blind payment failure to the terminal; optionally, the terminal pops up a password payment interface, and uses the password payment to complete the payment request.
  • FIG. 3 is a schematic structural diagram of a server according to an embodiment of the present invention.
  • the server 300 includes a receiving unit 301, a processing unit 302, and a determining unit 303. among them:
  • Receiving receiving the secret-free payment request sent by the terminal; receiving the current surrounding device identifier searched by the terminal reported by the terminal;
  • the processing unit performs a risk assessment on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier, and obtains a total risk assessment score;
  • the determining unit determines the confidential payment policy corresponding to the secret payment request according to the total risk assessment score.
  • the processing unit is further configured to: determine, from the preset at least one time period, a current time period corresponding to a time when the terminal reports the current surrounding device identifier; and each of the preset at least one time period
  • the corresponding relationship between the terminal corresponding to the current time segment and the surrounding device identifier is determined in the corresponding relationship between the terminal and the surrounding device identifier in the current time segment; the correspondence between the terminal corresponding to the current time segment and the surrounding device identifier is determined as The corresponding relationship between the preset terminal and the surrounding device identifier.
  • the processing unit is configured to: match all surrounding device identifiers in the correspondence between the preset terminal and the surrounding device identifiers with the current surrounding device identifiers; and according to the number of matching peripheral device identifiers and matching failures
  • the number of surrounding device identifiers is obtained as a total risk assessment score; from all surrounding device identifiers, the number of surrounding device identifiers that match the current surrounding device identifiers and the number of surrounding device identifiers that failed to match are determined.
  • the processing unit is further configured to: perform, for a terminal search in the time period periodically reported by the receiving terminal, for the corresponding relationship between the terminal and the surrounding device identifier corresponding to each time segment in the preset at least one time period At least one surrounding device identifier, and indication information indicating a duration of stay of the surrounding device identified by each surrounding device identifier in the at least one surrounding device identifier during the time period; according to the at least one surrounding device identifier and the indication
  • the information, the at least one surrounding device identifier searched by the terminal in the time period is divided into N types of surrounding device identifiers, where N is an integer greater than or equal to 1, and all the devices included in each type of peripheral device identifier in the N-type surrounding device identifier are included.
  • the resident time length corresponding to the surrounding device identifier is in a resident time interval; the two types of surrounding device identifiers in the N-type peripheral device identifier respectively have different resident time intervals.
  • the determining unit is configured to: determine, according to the correspondence between the preset terminal and the surrounding device identifier, the N-type peripheral device identifier corresponding to the terminal; and identify each type of surrounding device identifier in the N-type peripheral device identifier The current surrounding device identifiers are matched; for the N-type peripheral device identifiers For each type of surrounding device identifier, the server determines the number of surrounding device identifiers that match the current surrounding device identifiers and the number of surrounding device identifiers that failed to match, and the identifiers of the surrounding devices that match the success.
  • the product of the number of the device and the preset matching success weight corresponding to the device identifier of the class, and the product of the number of surrounding device identifiers that failed to match and the matching matching weights corresponding to the device identifiers of the class are determined, and the device identifier of the class is determined.
  • the corresponding matching failure weight is smaller.
  • the processing unit is configured to: determine, from the current surrounding device identifier, the number of surrounding device identifiers that do not match the N-type peripheral device identifiers; and determine the surrounding devices that do not match the N-type peripheral device identifiers.
  • the number of the identifiers does not match the weight of the preset matching weights; wherein the preset non-matching weights are greater than the matching failure weights corresponding to the types of surrounding device identifiers in the N-type surrounding device identifiers;
  • the payment for the secret payment request includes an amount
  • the determining unit is configured to: determine a confidential payment amount corresponding to the total risk assessment score;
  • the processing unit is configured to: when determining that the payment amount is not greater than the secret payment quota, perform payment according to the confidential payment request, and return a secret payment success response message to the terminal; and determine that the payment amount is greater than the confidentiality In the case of the payment amount, the confidential payment failure response message is returned to the terminal.
  • FIG. 4 is a schematic structural diagram of an electronic device provided by the present application.
  • the electronic device includes a processor 401, a memory 402, a transceiver 403, and a communication interface 404; wherein the processor 401, the memory 402, the transceiver 403, and the communication interface 404 are connected to one another via a bus 405.
  • the bus 405 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus.
  • PCI peripheral component interconnect
  • EISA extended industry standard architecture
  • the bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one thick line is shown in Figure 4, but it does not mean that there is only one bus or one type of bus.
  • the memory 402 may include a volatile memory such as a random-access memory (RAM); the memory may also include a non-volatile memory such as a flash memory (flash) Memory), hard disk drive (HDD) or solid-state drive (SSD); the memory 402 may also include a combination of the above types of memory.
  • RAM random-access memory
  • flash flash memory
  • HDD hard disk drive
  • SSD solid-state drive
  • the communication interface 404 can be a wired communication access port, a wireless communication interface, or a combination thereof, wherein the wired communication interface can be, for example, an Ethernet interface.
  • the Ethernet interface can be an optical interface, an electrical interface, or a combination thereof.
  • the wireless communication interface can be a WLAN interface.
  • the processor 401 may be a central processing unit (CPU), a network processor (NP) or a combination of a CPU and an NP.
  • CPU central processing unit
  • NP network processor
  • the processor 401 may further include a hardware chip.
  • the hardware chip may be an application-specific integrated circuit (ASIC), a programmable logic device (PLD) or a combination thereof.
  • the PLD may be a complex programmable logic device (CPLD), a field-programmable gate array (FPGA), and a general array logic. (generic array logic, GAL for short) or any combination thereof.
  • the processor 401 is configured to read a program in the memory 402, and perform the following method: performing a risk on the current environment of the terminal according to the current surrounding device identifier and the corresponding relationship between the preset terminal and the surrounding device identifier. Evaluate and obtain the total score of the risk assessment; determine the exemption payment strategy corresponding to the exemption payment request according to the total score of the risk assessment.
  • the memory 402 is configured to store one or more executable programs, and may store data used by the processor 401 when performing an operation;
  • the transceiver 403 is configured to receive the secret-free payment request sent by the terminal under the control of the processor 401; and receive the current surrounding device identifier searched by the terminal reported by the terminal.
  • the processor is further configured to: determine, according to the preset at least one time period, a current time period corresponding to a time when the terminal reports the current surrounding device identifier; and the preset at least one time period Corresponding relationship between the terminal corresponding to the current time segment and the surrounding device identifier in the corresponding relationship between the terminal corresponding to the surrounding device identifier in each time period; the correspondence between the terminal corresponding to the current time segment and the surrounding device identifier, Determine the correspondence between the preset terminal and the surrounding device identifier.
  • the processor is configured to: match all surrounding device identifiers in the correspondence between the preset terminal and the surrounding device identifiers with the current surrounding device identifiers; and match and match the number of surrounding device identifiers that are successfully matched.
  • the number of failed peripheral device identifiers is obtained as a total risk assessment score; from all surrounding device identifiers, the number of surrounding device identifiers that match the current surrounding device identifiers and the number of surrounding device identifiers that failed to match are determined.
  • the processor is further configured to: perform, during the time period periodically reported by the receiving terminal, the corresponding relationship between the terminal and the surrounding device identifier corresponding to each time segment in the preset at least one time period At least one surrounding device identifier searched by the terminal, and indicating a resident time of the surrounding device identified by each surrounding device identifier in the at least one surrounding device identifier during the time period Long indication information; according to the at least one surrounding device identifier and the indication information, the at least one surrounding device identifier searched by the terminal in the time period is classified into N types of surrounding device identifiers, where N is an integer greater than or equal to 1, and the N types are surrounded by The resident duration of all surrounding device identifiers included in each device identifier in the device identifier is in a resident duration interval; the two types of surrounding device identifiers in the N-type peripheral device identifiers respectively have different resident time intervals.
  • the processor is configured to: determine, according to a correspondence between the preset terminal and the surrounding device identifier, a N-type peripheral device identifier corresponding to the terminal; and identify each type of surrounding device identifier in the N-type peripheral device identifier.
  • the server determines the number of surrounding device identifiers that successfully match the current surrounding device identifiers from the surrounding device identifiers of the type Matching the number of failed peripheral device identifiers; and based on the number of matching successful device identifiers and the matching matching success weights corresponding to the surrounding device identifiers, and the number of surrounding device identifiers that failed to match and the preset number a product of the matching failure weights corresponding to the device identifiers of the class, determining a risk assessment score corresponding to the device identifiers of the class; and determining a total risk assessment score according to at least the N risk assessment scores corresponding to the identified N-type peripheral device identifiers;
  • the corresponding matching failure weight is smaller.
  • the processor is configured to: determine, from the current surrounding device identifier, the number of surrounding device identifiers that do not match the N-type peripheral device identifiers; and determine the surrounding devices that do not match the N-type peripheral device identifiers.
  • the number of the identifiers does not match the weight of the preset matching weights; wherein the preset non-matching weights are greater than the matching failure weights corresponding to the types of surrounding device identifiers in the N-type surrounding device identifiers;
  • the number of mismatched surrounding device IDs and presets are both The sum of the unmatched weights and the N risk assessment scores corresponding to the N-type surrounding device identifiers respectively, and the total risk assessment score is obtained.
  • the payment amount is included in the secret payment request.
  • the processor is configured to: determine a confidential payment amount corresponding to the total risk assessment score.
  • the processor is configured to: when determining that the payment amount is not greater than the secret payment quota, perform payment according to the confidential payment request, and return a secret payment success response message to the terminal; and determine that the payment amount is greater than the confidentiality In the case of the payment amount, the confidential payment failure response message is returned to the terminal.
  • the receiving unit 301 can be implemented by a transceiver
  • the processing unit 302 and the determining unit 303 can be implemented by a processor.
  • the electronic device 400 can include a processor 401, a transceiver 403, and a memory 402.
  • the memory 402 can be used to store a program/code pre-installed at the time of shipment of the electronic device 400, and can also store a code or the like for execution of the processor 401.
  • the server firstly needs to be based on the current surrounding device identifier and the preset correspondence between the terminal and the surrounding device identifier, and the current location of the terminal.
  • the surrounding environment conducts risk assessment, obtains the total score of risk assessment, and then determines the security of the surrounding environment of the terminal according to the total score of the risk assessment to determine the exemption payment strategy corresponding to the exemption request, thereby improving the convenience of the confidential payment. Sex and safety.
  • embodiments of the present invention can be provided as a method, or a computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • a computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the present invention is directed to a method, apparatus (system), and computer program according to an embodiment of the present invention.
  • the flow chart and/or block diagram of the product is described. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG.
  • These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

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Abstract

一种支付方法和装置，服务器接收终端发送的免密支付请求；接收终端上报的终端搜索到的当前的周围设备标识(201)；服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数(202)；服务器根据风险评估总分数确定免密支付请求对应的免密支付策略(203)。服务器要对终端当前所处的周围环境进行风险评估，得到风险评估总分数，之后根据风险评估的总分数确定终端当前所处周围环境的安全性，来确定免密请求对应的免密支付策略，进而提高了免密支付的便捷性和安全性。

Description

一种支付方法和装置
本申请要求在2016年11月22日提交中国专利局、申请号为201611041743.9、发明名称为“一种支付方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明实施例涉及支付技术领域，尤其涉及一种支付方法和装置。
背景技术
随着计算机网络技术和电子商务的快速发展，通过网络交易已经成为一种普遍的方式，网络交易方式的快捷、高效得到越来越多人的认可。网络交易的支付的方式正在被用户熟知，为了保证支付过程的安全性，通常需要用户设置密码。
目前，主流的支付方式通常需要用户输入账号和密码来验证用户身份，具体的操作方法是：在支付之前，需要用户输入账号和密码进行验证，若用户输入的账号和密码均正确时，才能进行下一步操作，支付过程麻烦，造成用户体验差；而且若输入的账号和密码有错误，则无法继续支付，用户需要申请密码找回或重置密码，过程繁琐，甚至可能找不回密码，进而给用户带来更差的体验；特别是，支付的安全性正在受到越来越多的威胁，当用户在支付时，一些恶意的病毒软件会趁机窃取用户的账号和密码，从而给用户带来安全隐患，比如手机丢失、密码被窃取后很容易通过支付造成钱财损失，给用户带来不好的体验，甚至会严重影响用户使用该支付功能的信心。
由于在现有技术中的主流支付方式都需要账户和密码来验证用户的身份才实现支付，如此造成支付过程麻烦而且存在较大的安全隐患，进而带给用户较差体验。
综上，亟需一种支付的方案，用于提高免密支付的便捷性和安全性。
发明内容
本发明实施例提供了一种支付方法和装置，用提高免密支付的便捷性和安全性。
第一方面，本发明实施例提供一种支付方法，包括：服务器接收终端发送的免密支付请求；接收终端上报的终端搜索到的当前的周围设备标识；服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数；服务器根据风险评估总分数确定免密支付请求对应的免密支付策略。
由于本发明实施例中，服务器首先要根据接收到的当前周围设备标识和预设的终端与周围设备标识的对应关系，对终端当前所处的周围环境进行风险评估，得到风险评估总分数，之后根据风险评估的总分数确定终端当前所处周围环境的安全性，来确定免密请求对应的免密支付策略，进而提高了免密支付的便捷性和安全性。
可选地，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数之前，还包括：服务器从预设的至少一个时间段中，确定出终端上报当前的周围设备标识的时刻所对应的当前时间段；服务器从预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系中，确定出当前时间段所对应的终端与周围设备标识的对应关系；服务器将当前时间段所对应的终端与周围设备标识的对应关系，确定为预设的终端与周围设备标识的对应关系。
可选地，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数，包括：服务器将预设的终端与周围设备标识的对应关系中的所有周围设备标 识与当前的周围设备标识进行匹配；服务器从所有周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；服务器根据匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量，得到风险评估总分数。
可选地，服务器从预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系中，确定出当前时间段所对应的终端与周围设备标识的对应关系之前，还包括：针对预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系，执行：服务器接收终端周期性上报的该时间段内终端搜索到的至少一个周围设备标识，以及用于指示至少一个周围设备标识中的每个周围设备标识所标识的周围设备在该时间段内的驻留时长的指示信息；服务器根据至少一个周围设备标识以及指示信息，将该时间段内终端搜索到的至少一个周围设备标识分为N类周围设备标识，其中，N为大于等于1的整数，N类周围设备标识中的每类周围设备标识中包括的所有周围设备标识所对应的驻留时长位于一个驻留时长区间内；N类周围设备标识中两类周围设备标识分别对应的驻留时长区间不同。
可选地，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数，包括：服务器从预设的终端与周围设备标识的对应关系中确定出终端对应的N类周围设备标识；服务器将N类周围设备标识中的的每类周围设备标识分别与当前的周围设备标识进行匹配；
针对N类周围设备标识中的每类周围设备标识，服务器从该类周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；并根据匹配成功的周围设备标识的数量和预 设的该类周围设备标识对应的匹配成功权重的乘积，以及匹配失败的周围设备标识的数量和预设的该类周围设备标识对应的匹配失败权重的乘积，确定该类周围设备标识对应的风险评估分数；服务器至少根据确定出的N类周围设备标识所分别对应的N个风险评估分数，确定风险评估总分数；其中，针对N类周围设备标识中的每类周围设备标识，该类周围设备标识所对应的驻留时长越长，则该类周围设备标识所对应的匹配成功权重越大，该类周围设备标识所对应的匹配失败权重越小。
可选地，服务器至少根据确定出的N类周围设备标识所分别对应的N个风险评估分数，确定风险评估总分数，包括：服务器从当前的周围设备标识中确定出与N类周围设备标识均不匹配的的周围设备标识的数量；服务器确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积；其中，预设的均不匹配权重大于N类周围设备标识中每类周围设备标识所对应的匹配失败权重；服务器确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积，与N类周围设备标识所分别对应的N个风险评估分数的和，得到风险评估总分数。
可选地，免密支付请求中包括支付金额；服务器根据风险评估总分数确定免密支付请求对应的免密支付策略，包括：服务器确定风险评估总分数对应的免密支付额度；服务器在确定支付金额不大于免密支付额度的情况下，根据免密支付请求进行支付，并向终端返回免密支付成功响应消息；服务器在确定支付金额大于免密支付额度的情况下，向终端返回免密支付失败响应消息。
第二方面，本发明实施例中提供可一种电子设备，包括：处理器、存储器、收发器和通信接口，其中，处理器、存储器、收发器和通信接口之间通过总线连接；
所述处理器，用于读取所述存储器中的程序，执行下列方法：根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数；根据风险评估总分数确定免密支付请求对应的免密支付策略；
所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据；
所述收发器，用于接收终端发送的免密支付请求；接收终端上报的终端搜索到的当前的周围设备标识；
第三方面，本申请实施例提供一种服务器，用于实现上述第一方面的方法，包括相应的功能模块，分别用于实现以上方法中的步骤。
第四方面，本申请实施例提供一种非暂态计算机可读存储介质，计算机存储介质中存储有指令，当其在计算机上运行时，使得计算机执行第一方面或第一方面的任意可能的实现方式中的方法。
第五方面，本申请实施例提供一种包含指令的计算机程序产品，当其在计算机上运行时，使得计算机执行第一方面或第一方面的任意可能的实现方式中的方法。
由于本发明实施例中，服务器首先要根据接收到的当前周围设备标识和预设的终端与周围设备标识的对应关系，对终端当前所处的周围环境进行风险评估，得到风险评估总分数，之后根据风险评估的总分数确定终端当前所处周围环境的安全性，来确定免密请求对应的免密支付策略，进而提高了免密支付的便捷性和安全性。
附图说明
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中 所需要使用的附图作简要介绍。
图1为本发明实施例提供的一种通信系统的架构示意图；
图2为本发明实施例提供的一种支付方法流程示意图；
图3为本发明实施例提供的一种服务器的结构示意图；
图4为本发明实施例提供的一种电子设备的结构示意图。
具体实施方式
为使本发明实施例的目的、技术方案和优点更加清楚，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
图1示出了应用本发明实施例的一种通信系统的架构示意图。如图1所示，该系统架构可以包括服务器101、终端102以及搜索到的自己的笔记本电脑标识103、同事A的智能手机标识104、同事B的智能手表标识105、同事C的平板电脑标识106、同事D的智能手环107。支付应用可安装于终端上。终端与服务器之间，或者支付应用与服务器之间可通过无线或有线的方式进行连接。
服务器101可存储支付应用需要访问的资源。服务器101可以是用于与终端设备进行通信的网络设备，服务器的主要功能包括：接收模块、处理模块、确定模块。接收模块用于接收终端发来的用户账户信息，以及用户周围设备信息，并将这些信息传送至用户信息数据库，用户信息数据库是存储用户个人信息，如标识(Identification，简称ID)、手机号等。处理模块用于将接收到的周围设备标识的与终端建立预设关系；与该相应存储在数据库中的用户个人信息绑定；接收终端当前周围设备标识，并将建立的预设关系与接收到的当前周围设备标识进行匹配，获得风险评估总分数；执行支付的过程。确定模块用于根据获得的风险评估总分数确定免密支付的额度。
终端102可以经无线接入网(Radio Access Network，简称RAN)与一个或多个核心网进行通信，终端可以是装有支付应用，且具有蓝牙或具有搜索附近无线高保真(wireless fidelity，简称WiFi)信号等功能的设备，可以是智能手机、平板电脑、具有无线通信功能的手持设备、计算设备或连接到无线调制解调器的其它处理设备、车载设备、可穿戴设备，未来5G网络中的终端设备等。可实现搜索周围其他设备标识、如终端可通过蓝牙搜索到自己的笔记本电脑标识103、同事A的智能手机标识104、同事B的智能手表标识105、同事C的平板电脑标识106、同事D的智能手环107；可和服务器之间通过无线或有线的方式相互传输信息；用户可在该终端上用于注册信息等功能，该终端也可响应其他设备发出的蓝牙信号，其中，蓝牙是一个标准的无线通讯协议，基于设备低成本的收发器芯片，传输距离近、低功耗。可连接WiFi信号，其中，WiFi是一种允许电子设备连接到一个无线局域网(Wireless Local Area Network，简称WLAN)技术，通常使用2.4G UHF或5GSHF ISM射频频段，具有低功耗，安全的特点支付应用可以是应用程序(Accelerated Parallel Processing，简称APP)等等。
基于图1所示的系统架构，图2示例性示出了本发明实施例提供的一种支付方法流程示意图，如图2所示，该支付方法包括以下步骤：
步骤201，服务器接收终端发送的免密支付请求；接收终端上报的终端搜索到的当前的周围设备标识；
步骤202，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数；
步骤203，服务器根据风险评估总分数确定免密支付请求对应的免密支付策略。
由于本发明实施例中，服务器首先要根据接收到的当前周围设备标识和预设的终端与周围设备标识的对应关系，对终端当前所处的周围环境进行风险评估，得到风险评估总分数，之后根据风险评估的总分数确定终端当前所 处周围环境的安全性，来确定免密请求对应的免密支付策略，进而提高了免密支付的便捷性和安全性。
可选地，预设终端与周围设备标识的对应关系可通过一定的时间段训练获得，比如经过一周或一个月的时间；具体的过程是用户在终端下载并安装支付应用，之后在该支付应用内输入需要的个人信息注册成为该应用的用户，并开通支付免密功能；终端打开蓝牙或WiFi时刻监视周围设备标识，并把搜索到的周围设备标识实时上传到服务器，服务器根据接收到的终端发送的设备标识来确定终端与周围设备标识的关系，即获得预设的终端与周围设备标识的对应关系。
可选地，服务器接收到终端发送的免密支付请求，以及终端上报的当前周围设备标识；可选地，该免密支付请求和当前周围设备标识可以同上发送到服务器，或先发送免密支付请求后发送当前周围设备标识，或先发送当前周围设备标识后发送免密支付请求。
可选地，当服务器接收到终端发送的免密支付请求，以及终端上报的当前周围设备标识之后，根据获得的预设的终端与周围设备标识的对应关系以及接收到的当前周围设备标识的，对当前终端所处环境进行风险评估，并得到风险评估分数。
可选地，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数之前，还包括：服务器从预设的至少一个时间段中，确定出终端上报当前的周围设备标识的时刻所对应的当前时间段；服务器从预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系中，确定出当前时间段所对应的终端与周围设备标识的对应关系；服务器将当前时间段所对应的 终端与周围设备标识的对应关系，确定为预设的终端与周围设备标识的对应关系。
可选地，服务器在确定预设的终端与周围设备标识对应的关系时，要预设至少一个时间段，比如，在服务器中预设的时间段有工作日的[8：00-12：00]、[14：00-17：00]、[20：00-22：00]，休息日的[8：00-12：00]、[14：00-17：00]、[20：00-22：00]。可选地，在每个时间段内都对应终端与周围设备标识的对应关系，如在工作日[8:00-12:00]的时间段，终端与周围设备标识的对应关系为，终端搜索到有自己笔记本电脑标识1、同事A的智能手机标识2、同事B的智能手表标识3、同事C的平板电脑标识4、同事D的智能手环5。
可选地，晚上[20:00-22:00]的时长内，搜到到的智能设备可能为家里的智能电视、智能冰箱、其他人的智能手机、笔记本电脑等。
可选地，可以确定工作日或非工作日的不同场景下的不同时间段的终端与周围设备标识的对应关系，所设时长越短、场景越精细，服务器预设的终端与周围设备标识越接近终端所处的真实环境。
可选地，预设的至少一个时间段中的每个时间段可以有时间交叉的情况，如，[8：00-12：00]和[11：00-13：00]两个时间段出现了交叉情况；优选时间段没有交叉的情况。
可选地，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数，包括：服务器将预设的终端与周围设备标识的对应关系中的所有周围设备标识与当前的周围设备标识进行匹配；服务器从所有周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；服务器根据匹配成功的周围设备标识的数量和匹配失败的周 围设备标识的数量，得到风险评估总分数。
可选地，在服务器中预设的终端与周围设备标识对应的关系中所有周围设备标识包括：自己笔记本电脑标识1、同事A的智能手机标识2、同事B的智能手表标识3、同事C的平板电脑标识4、同事D的智能手环5；服务器接收到终端上报的当前周围设备标识包括：同事A的智能手机标识2、同事B的智能手表标识3、同事C的平板电脑标识4；确定出与当前周围设备标识匹配周围设备标识为：同事A的智能手机标识2、同事B的智能手表标识3、同事C的平板电脑标识4，进而确定出匹配的数量为3，不匹配的数量为2，最后根据匹配的数量和不匹配的数量来确定风险评估的总分数。
可选地，周围设备标识与当前周围设备的标识全都不匹配，则匹配的数量为零，不匹配的数量为则总的周围设备标识的数量。
可选地，服务器从预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系中，确定出当前时间段所对应的终端与周围设备标识的对应关系之前，还包括：针对预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系，执行：服务器接收终端周期性上报的该时间段内终端搜索到的至少一个周围设备标识，以及用于指示至少一个周围设备标识中的每个周围设备标识所标识的周围设备在该时间段内的驻留时长的指示信息；服务器根据至少一个周围设备标识以及指示信息，将该时间段内终端搜索到的至少一个周围设备标识分为N类周围设备标识，其中，N为大于等于1的整数，N类周围设备标识中的每类周围设备标识中包括的所有周围设备标识所对应的驻留时长位于一个驻留时长区间内；N类周围设备标识中两类周围设备标识分别对应的驻留时长区间不同。
可选地，服务器接收终端周期性上报的该时间段内搜索到的至少一个周 围设备标识，以及用于指示至少有个周围设备标识中的每个周围设备标识在该段时间内的驻留时长信息；比如，终端搜索到周围设备标识A和周围设备标识B，可选地，周围设备标识A为至少一个设备标识，周围设备标识B为至少一个设备标识，假设监测到设备标识A的时间段为[8：00-10：00]，设备标识2的的时间段为[9:35-11:00]，则终端周期性的上报设备标识A的时间为[8：00-10：00]，设备标识B的的时间段为[9:35-11:00]；可选地，终端周期性的上报设备标识A的时间为2小时，设备标识B的时间为1.5小时。
可选地，周期性上报可以为每个工作日的周一每隔1小时终端向服务器上报周围设备标识，服务器根据接收到的终端周期性上报的周围设备标识来更新服务器中保存的周围设备标识，使用户周围设备标识更贴近终端最近周围设备的标识；而且，使用越久越接近终端所处的周围环境，进而使用越久免密支付越安全，极大的提升了用户体验。
以具体的例子来进行详细说明，在每个时间段内都对应终端与周围设备标识的对应关系，如在工作日[8:00-12:00]的时间段，终端与周围设备标识的对应关系为，终端搜索到有自己笔记本电脑标识1、同事A的智能手机标识2、同事B的智能手表标识3、同事C的平板电脑标识4、同事D的智能手环5，统计在[8:00-12:00]的时长内，搜索到笔记本电脑标识1的时长为1小时，搜索到智能手机标识2的时长为2小时，搜索到智能手表标识3的时长为3小时，搜索到平板电脑标识4的时长为4小时，搜索到智能手环标识5的时长为3.5小时，则可以确定笔记本电脑标识1的连接时长占整个时长的25％，智能手机标识2的连接时长占整个时长的50％，智能手表标识3的连接时长占整个时长的75％，平板电脑标识4连接时长占整个时长的100％，智能手环标识5的连接时长占整个时长的87.5％。可选地，根据终端所处的实际周围环境， 将搜索到的至少一个周围设备标识分为类，如当确定终端搜索到大于等于80％的其他终端为常用设备，在50％-80％时间范围内的为一般常用设备；将常用设备标识集中保存到常用设备标识列表中，包括：平板电脑标识4、智能手环标识5；将一般常用设备集中到一般常用设备标识列表中，包括：智能手机标识2，智能手表标识3。
可选地，服务器根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数，包括：服务器从预设的终端与周围设备标识的对应关系中确定出终端对应的N类周围设备标识；服务器将N类周围设备标识中的的每类周围设备标识分别与当前的周围设备标识进行匹配；针对N类周围设备标识中的每类周围设备标识，服务器从该类周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；并根据匹配成功的周围设备标识的数量和预设的该类周围设备标识对应的匹配成功权重的乘积，以及匹配失败的周围设备标识的数量和预设的该类周围设备标识对应的匹配失败权重的乘积，确定该类周围设备标识对应的风险评估分数；服务器至少根据确定出的N类周围设备标识所分别对应的N个风险评估分数，确定风险评估总分数；其中，针对N类周围设备标识中的每类周围设备标识，该类周围设备标识所对应的驻留时长越长，则该类周围设备标识所对应的匹配成功权重越大，该类周围设备标识所对应的匹配失败权重越小。
可选地，服务器从预设的终端与周围设备标识的对应关系中确定出终端对应的N类周围设备标识；服务器将N类周围设备标识中的的每类周围设备标识分别与当前的周围设备标识进行匹配。
可选地，N类周围设备标识可以为常用设备标识列表和一般常用设备列 表；当服务器接收到的当前周围设备标识后，将N类周围设备标识中的的每类周围设备标识分别与当前的周围设备标识进行匹配。
可选地，确定N类周围设备标识的权重，比如确定常用设备标识的权重为30，一般常用设备标识的权重为15。
举个例子，在工作日上午9.20，终端向服务器发送支付请求，服务器接收到终端发送的当前周围设备标识为智能手机标识2、平板电脑标识4、智能手环标识5，确定出9.20所对应的时长内的常用标识列表和一般常用标识列表，根据上述在周一的早上[8:00-12:00]的时长内的例子，确定出常用设备标识列表中包括：平板电脑标识4、智能手环标识5；一般常用标识列表包括：智能手机标识2，智能手表标识3；将常用设备标识列表中的设备标识与当前周围设备标识匹配，发现平板电脑标识4和智能手环标识5与当前周围设备标识匹配，确性出常用设备标识列表中的与当前周围设备标识匹配的数量为2个，不匹配的数量为1个，常用设备标识的权重为30，则确定出第一风险评估分数为2x30+0x(-30)＝60；一般常用设备标识列表中智能手机标识2与当前周围设备标识匹配，确定出一般常用设备标识列表中的与当前周围设备标识匹配的数量为1个，不匹配的数量为1个，一般常用设备标识的权重为15，则确定出第二风险评估分数位1x15+1x(-15)＝0。
可选地，风险评估总分数为第一风险评估分数和第二风险评估分数的和，为60+0＝60。可选地，风险评估分数表示终端所处周围环境的安全性，风险评估总分数越高越安全。
可选地，服务器至少根据确定出的N类周围设备标识所分别对应的N个风险评估分数，确定风险评估总分数，包括：服务器从当前的周围设备标识中确定出与N类周围设备标识均不匹配的的周围设备标识的数量；服务器确 定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积；其中，预设的均不匹配权重大于N类周围设备标识中每类周围设备标识所对应的匹配失败权重；服务器确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积，与N类周围设备标识所分别对应的N个风险评估分数的和，得到风险评估总分数。
可选地，在上述在工作日上午9.20，终端向服务器发送支付请求的例子中，服务器接收到终端发送的当前周围设备标识为智能手机标识2、平板电脑标识4、智能手环标识5、新出现的智能手机标识6，确定出的常用设备标识列表中包括：平板电脑标识4、智能手环标识5；一般常用标识列表包括：智能手机标识2，智能手表标识3；确定出第一风险评估分数为2x30+0x(-30)＝60，第二风险评估分数位1x15+1x(-15)＝0，服务器确定出在常用设备标识列表和一般常用设备标识列表中均没有和新出现的智能手机标识6匹配的，确定出均不匹配的数量为1个。可选地，举个例子，服务器从当前的周围设备标识中确定出与N类周围设备标识均不匹配的的周围设备标识的权重为10，则确定出第三风险评估分数为1x(-10)＝-10；则风险评估总分数为第一风险评估分数、第二风险评估分数和第三风险评估分数之和，即2x30+0x(-30)+1x15+1x(-15)+1x(-10)＝50；可选地，风险评估分数越高越安全，上述风险评估分数为60的比风险评估分数更安全，风险评估分数为50相比于预设终端与周围设备标识的对应关系，出现了新的智能手机标识6，新的智能手机标识6会带来一定的安全隐患，所以风险评估的分数较低。
可选地，当终端不在经常所处的周围环境时，如出现手机被偷，或有其他不明的设备出现在终端周围时，都会对终端的支付造成风险，但当服务器通过对终端当前周围设备进行风险评估，进而确定出风险评估总分数，从而 可确定出终端周围的设备环境是否安全，进而提高了免密支付的安全性。
可选地，免密支付请求中包括支付金额；服务器根据风险评估总分数确定免密支付请求对应的免密支付策略，包括：服务器确定风险评估总分数对应的免密支付额度；服务器在确定支付金额不大于免密支付额度的情况下，根据免密支付请求进行支付，并向终端返回免密支付成功响应消息；服务器在确定支付金额大于免密支付额度的情况下，向终端返回免密支付失败响应消息。
服务器根据风险评估的分数确定免密策略，可选地，根据风险评估的总分数确定免密的额度，用如下的例子来做详细的说明，根据上述方法确定出风险评估分数为50，服务器确定出风险评估分数为50时的免密额度为600元，当支付请求中的支付金额为500元时，服务器会完成支付并向终端返回支付成功的响应；当支付请求中的支付金额为800元时，服务器向终端返回免密支付失败的响应；可选地，终端会弹出密码支付界面，使用密码支付来完成该支付请求。
需要说明的一点是：上述针对业务请求的分发过程的说明仅是示例性和解释性的，并不用于限定本发明。
图3示例性示出了本发明实施例提供的一种服务器的结构示意图。
基于相同构思，本发明实施例提供一种服务器，如图3所示，服务器300包括接收单元301、处理单元302和确定单元303。其中：
接收单元，接收终端发送的免密支付请求；接收终端上报的终端搜索到的当前的周围设备标识；
处理单元，根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数；
确定单元，根据风险评估总分数确定免密支付请求对应的免密支付策略。
可选地，处理单元，还用于：从预设的至少一个时间段中，确定出终端上报当前的周围设备标识的时刻所对应的当前时间段；从预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系中，确定出当前时间段所对应的终端与周围设备标识的对应关系；将当前时间段所对应的终端与周围设备标识的对应关系，确定为预设的终端与周围设备标识的对应关系。
可选地，处理单元，用于：将预设的终端与周围设备标识的对应关系中的所有周围设备标识与当前的周围设备标识进行匹配；根据匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量，得到风险评估总分数；从所有周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量。
可选地，处理单元，还用于：针对预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系，执行：接收终端周期性上报的该时间段内终端搜索到的至少一个周围设备标识，以及用于指示至少一个周围设备标识中的每个周围设备标识所标识的周围设备在该时间段内的驻留时长的指示信息；根据至少一个周围设备标识以及指示信息，将该时间段内终端搜索到的至少一个周围设备标识分为N类周围设备标识，其中，N为大于等于1的整数，N类周围设备标识中的每类周围设备标识中包括的所有周围设备标识所对应的驻留时长位于一个驻留时长区间内；N类周围设备标识中两类周围设备标识分别对应的驻留时长区间不同。
可选地，确定单元，用于：从预设的终端与周围设备标识的对应关系中确定出终端对应的N类周围设备标识；将N类周围设备标识中的的每类周围设备标识分别与当前的周围设备标识进行匹配；针对N类周围设备标识中的 每类周围设备标识，服务器从该类周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；并根据匹配成功的周围设备标识的数量和预设的该类周围设备标识对应的匹配成功权重的乘积，以及匹配失败的周围设备标识的数量和预设的该类周围设备标识对应的匹配失败权重的乘积，确定该类周围设备标识对应的风险评估分数；至少根据确定出的N类周围设备标识所分别对应的N个风险评估分数，确定风险评估总分数；
其中，针对N类周围设备标识中的每类周围设备标识，该类周围设备标识所对应的驻留时长越长，则该类周围设备标识所对应的匹配成功权重越大，该类周围设备标识所对应的匹配失败权重越小。
可选地，处理单元，用于：从当前的周围设备标识中确定出与N类周围设备标识均不匹配的的周围设备标识的数量；确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积；其中，预设的均不匹配权重大于N类周围设备标识中每类周围设备标识所对应的匹配失败权重；确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积，与N类周围设备标识所分别对应的N个风险评估分数的和，得到风险评估总分数。
可选地，免密支付请求中包括支付金额；
可选地，确定单元，用于：确定风险评估总分数对应的免密支付额度；
可选地，处理单元，用于：在确定支付金额不大于免密支付额度的情况下，根据免密支付请求进行支付，并向终端返回免密支付成功响应消息；在确定支付金额大于免密支付额度的情况下，向终端返回免密支付失败响应消息。
基于相同构思，本申请提供一种电子设备，可用于执行上述方法流程。图4为本申请提供的一种电子设备的结构示意图。该电子设备包括处理器401、存储器402、收发器403和通信接口404；其中，处理器401、存储器402、收发器403和通信接口404通过总线405相互连接。
总线405可以是外设部件互连标准(peripheral component interconnect，简称PCI)总线或扩展工业标准结构(extended industry standard architecture，简称EISA)总线等。总线可以分为地址总线、数据总线、控制总线等。为便于表示，图4中仅用一条粗线表示，但并不表示仅有一根总线或一种类型的总线。
存储器402可以包括易失性存储器(volatile memory)，例如随机存取存储器(random-access memory，简称RAM)；存储器也可以包括非易失性存储器(non-volatile memory)，例如快闪存储器(flash memory)，硬盘(hard disk drive，简称HDD)或固态硬盘(solid-state drive，简称SSD)；存储器402还可以包括上述种类的存储器的组合。
通信接口404可以为有线通信接入口，无线通信接口或其组合，其中，有线通信接口例如可以为以太网接口。以太网接口可以是光接口，电接口或其组合。无线通信接口可以为WLAN接口。
处理器401可以是中央处理器(central processing unit，简称CPU)，网络处理器(network processor，简称NP)或者CPU和NP的组合。
处理器401还可以进一步包括硬件芯片。上述硬件芯片可以是专用集成电路(application-specific integrated circuit，简称ASIC)，可编程逻辑器件(programmable logic device，简称PLD)或其组合。上述PLD可以是复杂可编程逻辑器件(complex programmable logic device，简称CPLD)，现场可编程逻辑门阵列(field-programmable gate array，简称FPGA)，通用阵列逻辑 (generic array logic,简称GAL)或其任意组合。
所述处理器401，用于读取所述存储器402中的程序，执行下列方法：根据当前的周围设备标识，以及预设的终端与周围设备标识的对应关系，对终端当前所处环境进行风险评估，得到风险评估总分数；根据风险评估总分数确定免密支付请求对应的免密支付策略。
所述存储器402，用于存储一个或多个可执行程序，可以存储所述处理器401在执行操作时所使用的数据；
所述收发器403，用于在所述处理器401的控制下接收终端发送的免密支付请求；接收终端上报的终端搜索到的当前的周围设备标识。
可选地，所述处理器，还用于：从预设的至少一个时间段中，确定出终端上报当前的周围设备标识的时刻所对应的当前时间段；从预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系中，确定出当前时间段所对应的终端与周围设备标识的对应关系；将当前时间段所对应的终端与周围设备标识的对应关系，确定为预设的终端与周围设备标识的对应关系。
可选地，所述处理器，用于：将预设的终端与周围设备标识的对应关系中的所有周围设备标识与当前的周围设备标识进行匹配；根据匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量，得到风险评估总分数；从所有周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量。
可选地，所述处理器，还用于：针对预设的至少一个时间段中每个时间段所对应的终端与周围设备标识的对应关系，执行：接收终端周期性上报的该时间段内终端搜索到的至少一个周围设备标识，以及用于指示至少一个周围设备标识中的每个周围设备标识所标识的周围设备在该时间段内的驻留时 长的指示信息；根据至少一个周围设备标识以及指示信息，将该时间段内终端搜索到的至少一个周围设备标识分为N类周围设备标识，其中，N为大于等于1的整数，N类周围设备标识中的每类周围设备标识中包括的所有周围设备标识所对应的驻留时长位于一个驻留时长区间内；N类周围设备标识中两类周围设备标识分别对应的驻留时长区间不同。
可选地，所述处理器，用于：从预设的终端与周围设备标识的对应关系中确定出终端对应的N类周围设备标识；将N类周围设备标识中的的每类周围设备标识分别与当前的周围设备标识进行匹配；针对N类周围设备标识中的每类周围设备标识，服务器从该类周围设备标识中，确定出与当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；并根据匹配成功的周围设备标识的数量和预设的该类周围设备标识对应的匹配成功权重的乘积，以及匹配失败的周围设备标识的数量和预设的该类周围设备标识对应的匹配失败权重的乘积，确定该类周围设备标识对应的风险评估分数；至少根据确定出的N类周围设备标识所分别对应的N个风险评估分数，确定风险评估总分数；
其中，针对N类周围设备标识中的每类周围设备标识，该类周围设备标识所对应的驻留时长越长，则该类周围设备标识所对应的匹配成功权重越大，该类周围设备标识所对应的匹配失败权重越小。
可选地，处理器，用于：从当前的周围设备标识中确定出与N类周围设备标识均不匹配的的周围设备标识的数量；确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积；其中，预设的均不匹配权重大于N类周围设备标识中每类周围设备标识所对应的匹配失败权重；确定与N类周围设备标识均不匹配的的周围设备标识的数量与预设的均 不匹配权重的乘积，与N类周围设备标识所分别对应的N个风险评估分数的和，得到风险评估总分数。
可选地，免密支付请求中包括支付金额。
可选地，处理器，用于：确定风险评估总分数对应的免密支付额度。
可选地，处理器，用于：在确定支付金额不大于免密支付额度的情况下，根据免密支付请求进行支付，并向终端返回免密支付成功响应消息；在确定支付金额大于免密支付额度的情况下，向终端返回免密支付失败响应消息。
应理解，以上各个单元的划分仅仅是一种逻辑功能的划分，实际实现时可以全部或部分集成到一个物理实体上，也可以物理上分开。本申请实施例中，接收单元301可以由收发器实现，处理单元302和确定单元303可以由处理器实现。如图4所示，电子设备400可以包括处理器401、收发器403和存储器402。其中，存储器402可以用于存储电子设备400出厂时预装的程序/代码，也可以存储用于处理器401执行时的代码等。
从上述内容可以看出：本发明实施例中，由于本发明实施例中，服务器首先要根据接收到的当前周围设备标识和预设的终端与周围设备标识的对应关系，对终端当前所处的周围环境进行风险评估，得到风险评估总分数，之后根据风险评估的总分数确定终端当前所处周围环境的安全性，来确定免密请求对应的免密支付策略，进而提高了免密支付的便捷性和安全性。
本领域内的技术人员应明白，本发明的实施例可提供为方法、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包括有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产 品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包括这些改动和变型在内。

Claims (16)

  1. 一种支付方法，其特征在于，包括：
    服务器接收终端发送的免密支付请求；接收所述终端上报的所述终端搜索到的当前的周围设备标识；
    所述服务器根据所述当前的周围设备标识，以及预设的所述终端与周围设备标识的对应关系，对所述终端当前所处环境进行风险评估，得到风险评估总分数；
    所述服务器根据所述风险评估总分数确定所述免密支付请求对应的免密支付策略。
  2. 如权利要求1所述的方法，其特征在于，所述服务器根据所述当前的周围设备标识，以及预设的所述终端与周围设备标识的对应关系，对所述终端当前所处环境进行风险评估，得到风险评估总分数之前，还包括：
    所述服务器从预设的至少一个时间段中，确定出所述终端上报所述当前的周围设备标识的时刻所对应的当前时间段；
    所述服务器从预设的所述至少一个时间段中每个时间段所对应的所述终端与周围设备标识的对应关系中，确定出所述当前时间段所对应的所述终端与周围设备标识的对应关系；
    所述服务器将所述当前时间段所对应的所述终端与周围设备标识的对应关系，确定为所述预设的所述终端与周围设备标识的对应关系。
  3. 如权利要求1或2所述的方法，其特征在于，所述服务器根据所述当前的周围设备标识，以及预设的所述终端与周围设备标识的对应关系，对所述终端当前所处环境进行风险评估，得到风险评估总分数，包括：
    所述服务器将所述预设的所述终端与周围设备标识的对应关系中的所有周围设备标识与所述当前的周围设备标识进行匹配；
    所述服务器从所述所有周围设备标识中，确定出与所述当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；
    所述服务器根据所述匹配成功的周围设备标识的数量和所述匹配失败的周围设备标识的数量，得到风险评估总分数。
  4. 如权利要求2所述的方法，其特征在于，所述服务器从预设的所述至少一个时间段中每个时间段所对应的所述终端与周围设备标识的对应关系中，确定出所述当前时间段所对应的所述终端与周围设备标识的对应关系之前，还包括：
    针对预设的所述至少一个时间段中每个时间段所对应的所述终端与周围设备标识的对应关系，执行：
    所述服务器接收所述终端周期性上报的该时间段内所述终端搜索到的至少一个周围设备标识，以及用于指示所述至少一个周围设备标识中的每个周围设备标识所标识的周围设备在该时间段内的驻留时长的指示信息；
    所述服务器根据所述至少一个周围设备标识以及所述指示信息，将该时间段内所述终端搜索到的所述至少一个周围设备标识分为N类周围设备标识，其中，所述N为大于等于1的整数，所述N类周围设备标识中的每类周围设备标识中包括的所有周围设备标识所对应的驻留时长位于一个驻留时长区间内；所述N类周围设备标识中两类周围设备标识分别对应的驻留时长区间不同。
  5. 如权利要求4所述的方法，其特征在于，所述服务器根据所述当前的周围设备标识，以及预设的所述终端与周围设备标识的对应关系，对所述终端当前所处环境进行风险评估，得到风险评估总分数，包括：
    所述服务器从所述预设的所述终端与周围设备标识的对应关系中确定出所述终端对应的N类周围设备标识；
    所述服务器将所述N类周围设备标识中的的每类周围设备标识分别与所述当前的周围设备标识进行匹配；
    针对所述N类周围设备标识中的每类周围设备标识，所述服务器从该类周围设备标识中，确定出与所述当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；并根据所述匹配成功的周围设 备标识的数量和预设的该类周围设备标识对应的匹配成功权重的乘积，以及匹配失败的周围设备标识的数量和预设的该类周围设备标识对应的匹配失败权重的乘积，确定该类周围设备标识对应的风险评估分数；
    所述服务器至少根据确定出的所述N类周围设备标识所分别对应的N个风险评估分数，确定所述风险评估总分数；
    其中，针对所述N类周围设备标识中的每类周围设备标识，该类周围设备标识所对应的驻留时长越长，则该类周围设备标识所对应的匹配成功权重越大，该类周围设备标识所对应的匹配失败权重越小。
  6. 如权利要求5所述的方法，其特征在于，所述服务器至少根据确定出的所述N类周围设备标识所分别对应的N个风险评估分数，确定所述风险评估总分数，包括：
    所述服务器从所述当前的周围设备标识中确定出与所述N类周围设备标识均不匹配的的周围设备标识的数量；
    所述服务器确定所述与所述N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积；其中，所述预设的均不匹配权重大于所述N类周围设备标识中每类周围设备标识所对应的匹配失败权重；
    所述服务器确定所述与所述N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积，与所述N类周围设备标识所分别对应的N个风险评估分数的和，得到所述风险评估总分数。
  7. 如权利要求1所述的方法，其特征在于，所述免密支付请求中包括支付金额；
    所述服务器根据所述风险评估总分数确定所述免密支付请求对应的免密支付策略，包括：
    所述服务器确定所述风险评估总分数对应的免密支付额度；
    所述服务器在确定所述支付金额不大于所述免密支付额度的情况下，根据所述免密支付请求进行支付，并向所述终端返回免密支付成功响应消息；
    所述服务器在确定所述支付金额大于所述免密支付额度的情况下，向所 述终端返回免密支付失败响应消息。
  8. 一种电子设备，其特征在于，包括处理器、存储器、收发器、通信接口，其中处理器、存储器与收发器之间通过总线连接；
    所述处理器，用于读取所述存储器中的程序，执行下列方法：根据所述当前的周围设备标识，以及预设的所述终端与周围设备标识的对应关系，对所述终端当前所处环境进行风险评估，得到风险评估总分数；根据所述风险评估总分数确定所述免密支付请求对应的免密支付策略；
    所述收发器，用于接收终端发送的免密支付请求；接收所述终端上报的所述终端搜索到的当前的周围设备标识；
    所述存储器，用于存储一个或多个可执行程序，可以存储所述处理器在执行操作时所使用的数据。
  9. 如权利要求8所述的电子设备，其特征在于，所述处理器，还用于：
    从预设的至少一个时间段中，确定出所述终端上报所述当前的周围设备标识的时刻所对应的当前时间段；从预设的所述至少一个时间段中每个时间段所对应的所述终端与周围设备标识的对应关系中，确定出所述当前时间段所对应的所述终端与周围设备标识的对应关系；将所述当前时间段所对应的所述终端与周围设备标识的对应关系，确定为所述预设的所述终端与周围设备标识的对应关系。
  10. 如权利要求8或9所述的电子设备，其特征在于，所述处理器，用于：
    将所述预设的所述终端与周围设备标识的对应关系中的所有周围设备标识与所述当前的周围设备标识进行匹配；根据所述匹配成功的周围设备标识的数量和所述匹配失败的周围设备标识的数量，得到风险评估总分数；从所述所有周围设备标识中，确定出与所述当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量。
  11. 如权利要求9所述的电子设备，其特征在于，所述处理器，还用于：针对预设的所述至少一个时间段中每个时间段所对应的所述终端与周围设备 标识的对应关系，执行：
    接收所述终端周期性上报的该时间段内所述终端搜索到的至少一个周围设备标识，以及用于指示所述至少一个周围设备标识中的每个周围设备标识所标识的周围设备在该时间段内的驻留时长的指示信息；根据所述至少一个周围设备标识以及所述指示信息，将该时间段内所述终端搜索到的所述至少一个周围设备标识分为N类周围设备标识，其中，所述N为大于等于1的整数，所述N类周围设备标识中的每类周围设备标识中包括的所有周围设备标识所对应的驻留时长位于一个驻留时长区间内；所述N类周围设备标识中两类周围设备标识分别对应的驻留时长区间不同。
  12. 如权利要求11所述的电子设备，其特征在于，所述处理器，用于：
    从所述预设的所述终端与周围设备标识的对应关系中确定出所述终端对应的N类周围设备标识；将所述N类周围设备标识中的的每类周围设备标识分别与所述当前的周围设备标识进行匹配；针对所述N类周围设备标识中的每类周围设备标识，所述服务器从该类周围设备标识中，确定出与所述当前的周围设备标识匹配成功的周围设备标识的数量和匹配失败的周围设备标识的数量；并根据所述匹配成功的周围设备标识的数量和预设的该类周围设备标识对应的匹配成功权重的乘积，以及匹配失败的周围设备标识的数量和预设的该类周围设备标识对应的匹配失败权重的乘积，确定该类周围设备标识对应的风险评估分数；至少根据确定出的所述N类周围设备标识所分别对应的N个风险评估分数，确定所述风险评估总分数；
    其中，针对所述N类周围设备标识中的每类周围设备标识，该类周围设备标识所对应的驻留时长越长，则该类周围设备标识所对应的匹配成功权重越大，该类周围设备标识所对应的匹配失败权重越小。
  13. 如权利要求11所述的电子设备，其特征在于，所述处理器，用于：从所述当前的周围设备标识中确定出与所述N类周围设备标识均不匹配的的周围设备标识的数量；确定所述与所述N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积；其中，所述预设的均不匹配 权重大于所述N类周围设备标识中每类周围设备标识所对应的匹配失败权重；确定所述与所述N类周围设备标识均不匹配的的周围设备标识的数量与预设的均不匹配权重的乘积，与所述N类周围设备标识所分别对应的N个风险评估分数的和，得到所述风险评估总分数。
  14. 如权利要求8所述的电子设备，其特征在于，所述免密支付请求中包括支付金额；
    所述处理器，用于：确定所述风险评估总分数对应的免密支付额度；在确定所述支付金额不大于所述免密支付额度的情况下，根据所述免密支付请求进行支付，并向所述终端返回免密支付成功响应消息；在确定所述支付金额大于所述免密支付额度的情况下，向所述终端返回免密支付失败响应消息。
  15. 一种非暂态计算机可读存储介质，其特征在于，所述非暂态计算机可读存储介质存储计算机指令，所述计算机指令用于使所述计算机执行权利要求1～7任一所述方法。
  16. 一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在非暂态计算机可读存储介质上的计算程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求1～7任一所述方法。
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