WO2018161519A1 - 支付方法及终端 - Google Patents

支付方法及终端 Download PDF

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Publication number
WO2018161519A1
WO2018161519A1 PCT/CN2017/101714 CN2017101714W WO2018161519A1 WO 2018161519 A1 WO2018161519 A1 WO 2018161519A1 CN 2017101714 W CN2017101714 W CN 2017101714W WO 2018161519 A1 WO2018161519 A1 WO 2018161519A1
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Prior art keywords
terminal
payment
motion
current state
state information
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PCT/CN2017/101714
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English (en)
French (fr)
Inventor
孙方林
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华为技术有限公司
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Priority to CN201780087520.2A priority Critical patent/CN110337663A/zh
Publication of WO2018161519A1 publication Critical patent/WO2018161519A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols

Definitions

  • the embodiments of the present invention relate to the field of mobile payment technologies, and in particular, to a payment method and a terminal.
  • NFC Near field communication
  • ETC electronic toll collection
  • RFID radio frequency identification
  • the mobile terminal implements applications such as near field payment.
  • Mobile terminals using NFC technology can exchange data in close proximity to each other.
  • NFC technology applications fall into four categories: Touch and Go, Touch and Pay, Touch and Connect, and Touch and Explore.
  • the NFC-Customer Identity Module (SIM) of the mobile phone can act as a bus card and an electronic cash card.
  • the NFC electronic cash card is basically a small payment, and the transaction process of the small payment is: NFC-enabled.
  • a mobile terminal such as a mobile phone
  • a payment acceptance terminal such as a POS
  • the NFC-enabled mobile phone writes some functions in advance, and the touch between the mobile phones triggers these functions, such as wifi, conference mode activation, business card, photo, web address, and application transmission.
  • the NFC-enabled mobile phone can also act as an access card. After the Card Select Number (CSN) is entered into the access control system or the attendance device, the mobile phone can be accessed by touching the access control system or the attendance device.
  • CSN Card Select Number
  • the ETC system is currently the most advanced road and bridge charging method in the world.
  • the computer network technology is used to perform background settlement processing with the bank, so that the vehicle does not need to pass through the road and bridge toll station. Parking can pay the road and bridge fees.
  • the above NFC technology and ETC technology also have certain security risks in the application of mobile terminals.
  • a user is in a crowded place (such as a subway station, a bus stop, a mall)
  • the NFC-SIM card is at risk of being intentionally approached for malicious card swiping, or a malicious user holding a portable POS machine in an ETC-equipped car.
  • the front windshield can be used for payment, and the above-mentioned malicious stealing behavior causes the user's economic loss.
  • the embodiment of the invention provides a payment method and a terminal for solving the problem of being stolen when using the mobile terminal for payment.
  • a first aspect provides a payment method, where the method includes: acquiring, by a terminal, current state information of the terminal; when the current state information meets a preset active payment condition, the terminal is within a preset time.
  • the payment function is turned on for payment, thereby preventing the terminal from being stolen.
  • the method further includes: determining, by the terminal, whether the current state information meets a preset active payment condition; if the current state information is satisfied The preset active payment condition, the terminal starts the payment function to perform payment within a preset time.
  • the current state information includes: a motion time of the terminal, a motion trajectory of the terminal during the motion time, and a motion speed of the terminal during the motion time.
  • the active payment condition includes: a location moving range of the terminal and a speed threshold of the terminal; and the terminal determines whether the current state information meets a preset active payment condition, specifically The method includes: determining, by the terminal, whether the motion trajectory satisfies the position movement range, and determining whether the motion speed exceeds the speed threshold; and if the current state information is satisfied
  • the preset active payment condition the terminal starts the payment function to perform payment in a preset time, and specifically includes: if the motion trajectory satisfies the position movement range during the movement time of the terminal, and the When the moving speed exceeds the speed threshold, the terminal starts the payment function for payment within a preset time.
  • the current state information includes: a motion time of the terminal, and a motion trajectory of the terminal during the motion time.
  • the active payment condition includes: a location moving range of the terminal; and the terminal determining whether the current state information meets a preset active payment condition, specifically: at the terminal During the movement time, the terminal acquires a first motion acceleration of the terminal at a first moment and a second motion acceleration of the terminal at a second moment after the first moment, the first moment and the first moment The second time is during the movement time of the terminal; the terminal determines whether the motion trajectory satisfies the position movement range, and determines whether the first motion acceleration is greater than the second motion acceleration; If the current state information meets the preset active payment condition, the terminal starts the payment function to perform payment within a preset time, and specifically includes: if the motion trajectory satisfies the position movement range during the motion time of the terminal And the first motion acceleration is greater than the second motion acceleration, and the terminal starts the payment function within a preset time. Line payment.
  • the method further includes: when the current state information does not meet a preset active payment condition, the terminal keeps the payment function in a closed state.
  • the second aspect provides a terminal, where the terminal includes: a sensor unit, configured to acquire current state information of the terminal, and a payment unit, configured to: when the current state information meets a preset active payment condition, The terminal opens the payment function for payment within a preset time, thereby preventing the terminal from being stolen.
  • the terminal further includes: a control unit, configured to determine whether the current state information meets a preset active payment condition; if the current state information meets a preset The active payment condition, the terminal starts the payment function within a preset time.
  • the current state information includes: a motion time of the terminal, in the The motion trajectory of the terminal during the dynamic time, and the motion speed of the terminal during the motion time.
  • the active payment condition includes: a location movement range of the terminal and/or a speed threshold of the terminal; the control unit is specifically configured to: during the motion time of the terminal, Determining whether the motion trajectory satisfies the position movement range, and determining whether the motion speed exceeds the speed threshold; the payment unit is specifically configured to: if the motion trajectory is satisfied during the motion time of the terminal When the position moves within a range, and the moving speed exceeds the speed threshold, the terminal starts a payment function for payment within a preset time.
  • the current state information includes: a motion time of the terminal, and a motion trajectory of the terminal during the motion time.
  • the active payment condition includes: a location movement range of the terminal; the control unit is specifically configured to: acquire, during the motion time of the terminal, the terminal at a first moment a first motion acceleration and a second motion acceleration of the terminal at a second moment after the first moment, the first moment and the second moment being within a motion time of the terminal; determining the motion trajectory Whether the position movement range is satisfied, and determining whether the first motion acceleration is greater than the second motion acceleration; the payment unit is specifically configured to: if the motion trajectory satisfies the movement time of the terminal The position movement range is described, and the first motion acceleration is greater than the second motion acceleration, and the terminal starts the payment function to perform payment within a preset time.
  • the payment unit is further configured to: when the current state information does not meet a preset active payment condition, the terminal keeps the payment function in a closed state.
  • an embodiment of the present invention provides a computer storage medium for storing computer software instructions used by the terminal, including all possible implementations for performing the foregoing first aspect and the first aspect. program.
  • FIG. 1 is a flowchart of a payment method according to an embodiment of the present application
  • FIG. 2 is a schematic structural diagram of a terminal according to an embodiment of the present application.
  • FIG. 3 is still another schematic structural diagram of a terminal according to an embodiment of the present application.
  • FIG. 4 is a schematic structural diagram of a terminal according to an embodiment of the present application.
  • FIG. 5 is a schematic diagram of an application scenario provided by an embodiment of the present application.
  • the payment method in the embodiment of the present invention can be applied to various application scenarios of terminal payment.
  • NFC-SIM cards using NFC technology for example, NFC-SIM cards using NFC technology, ETC systems, and the like.
  • FIG. 1 is a flowchart of a payment method provided by an embodiment of the present application. As shown in FIG. 1, the method includes the following steps:
  • Step 110 The terminal acquires current state information of the terminal.
  • Step 120 When the current state information meets a preset active payment condition, the terminal starts a payment function to perform payment within a preset time.
  • the method further includes:
  • Step 130 The terminal determines whether the current state information meets a preset active payment condition; if the current state information meets a preset active payment condition, the terminal starts a payment function to perform payment within a preset time. .
  • the current state information includes: a motion time of the terminal, a motion trajectory of the terminal during the motion time, and a motion speed of the terminal during the motion time.
  • the active payment conditions include: the location movement range of the terminal and the speed threshold of the terminal.
  • the terminal determines whether the current state information satisfies the preset active payment condition, and specifically includes: determining whether the motion track satisfies the position moving range during the motion time of the terminal, and determining whether the motion speed exceeds the speed threshold; if the current state information is satisfied
  • the preset active payment condition the terminal starts the payment function to perform payment within a preset time, and specifically includes: if the motion trajectory satisfies the position movement range and the motion speed exceeds the speed threshold during the movement time of the terminal, the terminal The payment function is turned on for payment within a preset time.
  • an acceleration sensor or a GPS sensor is used to detect that the vehicle (ETC tag) has a moving motion trajectory, and if the motion speed exceeds the speed threshold, it is turned on within a preset time.
  • the secret payment function is used for payment.
  • the speed threshold can be a custom speed, such as 20km / h.
  • the preset time can be a custom time, such as 1 minute.
  • the current state information includes: a motion time of the terminal, and a motion trajectory of the terminal during the motion time.
  • the active payment conditions include: the location movement range of the terminal.
  • the terminal determines whether the current state information meets the preset active payment condition, and specifically includes: acquiring, during the motion time of the terminal, the first motion acceleration of the terminal at the first moment and the second moment of the terminal after the first moment The second motion acceleration, the first time and the second time are in the motion time of the terminal; the terminal determines whether the motion trajectory satisfies the position movement range, and determines whether the first motion acceleration is greater than the second motion acceleration; if the current state information satisfies the pre- If the active payment condition is set, the terminal starts the payment function to perform payment within a preset time, which specifically includes: if the motion trajectory satisfies the position movement range during the movement time of the terminal, and the first motion acceleration is greater than the second motion acceleration Then, the terminal starts the payment function for payment within a preset time.
  • the mobile phone when the user uses the NFC mobile phone to contact the POS machine for secret payment after purchasing the product, when the mobile phone detects that the mobile phone has a moving motion track and decelerates, or passes the gyroscope
  • the sensor determines the moving or flipping motion track of the mobile phone and detects the deceleration stop by the acceleration sensor, if the motion track satisfies the position moving range, and the first acceleration of the first moment exceeds the second acceleration of the second moment, then the mobile phone
  • the payment function is turned on for payment within a preset time.
  • the preset time can be a custom time, such as 1 minute, 2 minutes or the like.
  • the mobile phone keeps the payment function turned off, and the mobile phone is turned off. For failure.
  • the handset after receiving a payment request via a near field communication protocol such as NFC or ETC, the handset can display a prompt message and/or have the user confirm whether to enable the payment function.
  • a near field communication protocol such as NFC or ETC
  • the opening payment function may be to automatically open a payment APP, such as Alipay, WeChat payment, banking application, and the like.
  • the verification interface of the payment APP can be opened, and the verification information such as the password, fingerprint, iris, face, etc. input by the user can be accepted, and the payment information interface of the payment APP, such as the payment two-dimensional code interface, can also be opened.
  • the payment function can also be turned on under a black screen, and/or a prompt message can be displayed after the payment is successful. Users do not need to manually open the app, click the payment interface, you can automatically trigger the payment function, which is convenient for users.
  • the mobile phone can also identify the corresponding payment APP according to the received NFC information, such as Samsung Pay, Apple Pay, Mi Pay, etc., and automatically open the payment APP.
  • NFC information such as Samsung Pay, Apple Pay, Mi Pay, etc.
  • the ETC activates the secret-free payment function within a preset time, and the charging terminal 11 performs deduction.
  • the preset time can be a custom time, such as 3 minutes.
  • the terminal obtains the current state information by applying the payment method provided by the embodiment of the present application; when the current state information meets the preset active payment condition, the terminal starts the payment function to perform payment within a preset time, thereby avoiding the terminal being Stolen when the active payment conditions are not met.
  • FIG. 2 is a schematic structural diagram of a terminal according to an embodiment of the present disclosure. As shown in FIG. 2, the terminal 200 includes: a sensor unit 210 and a payment unit 220.
  • the sensor unit 210 is configured to acquire current state information of the terminal.
  • the payment unit 220 is configured to: when the current state information meets a preset active payment condition, the terminal starts a payment function to perform payment within a preset time.
  • FIG. 3 is still another schematic structural diagram of a terminal according to an embodiment of the present application.
  • the terminal 300 includes: a control unit 310.
  • the control unit 310 is configured to determine whether the current state information meets a preset active payment condition; if the current state information meets a preset active payment condition, the terminal starts the payment function within a preset time.
  • the current state information includes: a motion time of the terminal, a motion trajectory of the terminal during the motion time, and a motion speed of the terminal during the motion time.
  • the active payment condition includes: a location movement range of the terminal and/or a speed threshold of the terminal.
  • the control unit 310 is specifically configured to: determine whether the motion trajectory satisfies the position movement range during a movement time of the terminal, and determine whether the motion speed exceeds the speed threshold.
  • the payment unit 220 is specifically configured to: when the motion trajectory satisfies the position movement range, and the motion speed exceeds the speed threshold, the terminal starts within a preset time period during the motion time of the terminal Payment function to pay.
  • the current state information includes: a motion time of the terminal, and a motion trajectory of the terminal during the motion time.
  • the active payment condition includes: a location movement range of the terminal.
  • the control unit 310 is specifically configured to: acquire, during a motion time of the terminal, a first motion acceleration of the terminal at a first moment and a second motion acceleration of the terminal at a second moment after the first moment, The first time and the second time are in a movement time of the terminal; determining whether the motion track satisfies the position movement range, And determining whether the first motion acceleration is greater than the second motion acceleration.
  • the payment unit 220 is specifically configured to: when the motion trajectory satisfies the position movement range, and the first motion acceleration is greater than the second motion acceleration, the terminal is preset in a motion time of the terminal The payment function is enabled for payment within the time.
  • the payment unit 220 is further configured to: when the current state information does not meet the preset active payment condition, the terminal keeps the payment function in a closed state.
  • the sensor unit acquires current state information; when the current state information meets the preset active payment condition, the payment unit starts the payment function to perform payment within a preset time, thereby avoiding the terminal. Stolen when not meeting the active payment terms.
  • FIG. 4 is a schematic diagram of still another structure of a terminal according to an embodiment of the present application.
  • the terminal 400 is configured to perform the method in FIG. 1 .
  • the terminal 400 includes a processor 410, a memory 420, and a communication interface 430.
  • the processor 410, the memory 420, and the communication interface 430 establish a connection through a system bus, one or more programs are to be stored in the memory 420 and configured to be executed by the processor 410, and one or more programs are included for Execute all instructions in the payment method.
  • the processor 410 can be a central processing unit (English: central processing unit, abbreviation: CPU).
  • the memory 420 may include a volatile memory (English: volatile memory), such as a random access memory (English: random-access memory, abbreviation: RAM); the memory may also include a non-volatile memory (English: non-volatile memory) , for example, read-only memory (English: read-only memory, abbreviation: ROM), flash memory, hard disk (English: hard disk drive, abbreviation: HDD) or solid state drive (English: solid state drive, abbreviation: SSD); memory 720 may also include a combination of the above types of memory.
  • An exemplary storage medium is coupled to processor 410 to enable processor 410 to read information from, and to write information to, the storage medium.
  • the storage medium can also be an integral part of the processor 410.
  • the processor and the storage medium can be located in an ASIC. Additionally, the ASIC can be located in a core network interface device.
  • the processor 410 and the storage medium may also exist as discrete components in the core network interface device.
  • Processor 40 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the foregoing method may be completed by an integrated logic circuit of hardware in the processor 410 or an instruction in a form of software.
  • the processor 410 described above may be a general purpose processor, DSP, ASIC, FPGA or other programmable logic device, discrete gate or transistor logic device, discrete hardware component.
  • the methods, steps, and logical block diagrams disclosed in the embodiments of the present application can be implemented or executed.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like.
  • the steps of the method disclosed in the embodiments of the present application may be directly implemented by the hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor.
  • the software module can be located in a conventional storage medium such as random access memory, flash memory, read only memory, programmable read only memory or electrically erasable programmable memory, registers, and the like.
  • the storage medium is located in the memory 420, and the processor 410 reads the information in the memory 420.
  • the functions described herein can be implemented in hardware, software, firmware, or any combination thereof.
  • the functions may be stored in a computer readable medium or transmitted as one or more instructions or code on a computer readable medium.
  • Computer readable media includes both computer storage media and communication media, where the communication media includes Any medium that transfers a computer program from one location to another.
  • a storage medium may be any available media that can be accessed by a general purpose or special purpose computer.
  • the specific embodiments of the present invention have been described in detail with reference to the preferred embodiments of the present invention.
  • the scope of the protection, any modifications, equivalent substitutions, improvements, etc., which are made on the basis of the technical solutions of the present invention, are included in the scope of the present invention.
  • the method steps in the embodiments of the present application may be implemented by means of hardware, or may be implemented by a processor executing software instructions.
  • the software instructions can be composed of corresponding software modules, which can be stored in random access memory (RAM), flash memory, read-only memory (ROM), programmable read-only memory (Programmable ROM).
  • An exemplary storage medium is coupled to the processor to enable the processor to read information from, and write information to, the storage medium.
  • the storage medium can also be an integral part of the processor.
  • the processor and the storage medium can be located in an ASIC. Additionally, the ASIC can be located in a transmitting device or a receiving device. Of course, the processor and the storage medium can also exist as discrete components in the transmitting device or the receiving device.
  • the computer program product includes one or more computer instructions.
  • the computer can be a general purpose computer, a special purpose computer, a computer network, or other programmable terminal.
  • the computer instructions can be stored in or transmitted by a computer readable storage medium.
  • the computer instructions can be from a website site, computer, server or data center to another website site by wire (eg, coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (eg, infrared, wireless, microwave, etc.) Transfer from a computer, server, or data center.
  • the computer readable storage medium can be any available media that can be accessed by a computer or a data storage device such as a server, data center, or the like that includes one or more available media.
  • the usable medium may be a magnetic medium (eg, a floppy disk, a hard disk, a magnetic tape), an optical medium (eg, a DVD), or a semiconductor medium (eg, a Solid State Disk (SSD), etc.).

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Abstract

本发明实施例涉及一种支付方法及终端。所述方法包括：：终端获取所述终端的当前状态信息；当所述当前状态信息满足预设的主动支付条件时，所述终端在预设的时间内开启支付功能进行支付，由此，避免了终端被盗刷。

Description

支付方法及终端
本申请要求于2017年3月9日提交中国国家知识产权局专利局、申请号为201710139143.4、发明名称为“一种移动终端的主动支付意识解决方案”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
本发明实施例涉及移动支付技术领域，尤其涉及一种支付方法及终端。
背景技术
目前，随着电子商务的快速发展，为满足业务增长需求，许多服务商都提供移动终端(智能手机、平板电脑等)支付服务，以缩短用户从浏览商品到支付的时间，提高用户支付比例，移动终端支付对安全性和便捷性都有较高的要求，如何提供快速、便捷及安全性的支付解决方案，是电子商务中的重要环节之一。
近场通信(near field communicat1n，NFC)技术和电子不停车收费(Electronic Toll Collection，ETC)系统等是移动终端支付在生活中的重要应用。其中，NFC技术是由非接触式射频识别(Radio Frequency Identification，RFID)及互连互通技术整合演变而来，通过在单一芯片上集成感应式读卡器、感应式卡片和点对点通信的功能，利用移动终端实现近场支付等应用。使用NFC技术的移动终端在彼此靠近的情况下可以进行数据交换。目前，NFC技术的应用分为四类，接触通过(Touch and Go)、接触支付(Touch and pay)、接触连接(Touch and Connect)以及接触浏览(Touch and Explore)。
在接触支付时，手机的NFC-客户识别模块(Subscriber Identity Module，SIM)可以充当公交卡及电子现金卡，NFC电子现金卡基本是小额支付，小额支付的交易流程是：具备NFC功能的移动终端，如手机，和支付受理终端，如POS机，相互靠近时，即产生支付流程而不存在额外支付验证，这使得支付过程更加快速便捷。在接触连接时，支持NFC的手机提前写入一些功能，手机之间触碰就会触发这些功能，比如wifi、会议模式的开启，名片、照片、网址及应用的传输等。支持NFC的手机还可以充当门禁卡，在将卡片选择号码(Card Select Number，CSN)录入到门禁系统或考勤器后，用手机接触门禁系统或考勤器后，即可实现打卡。
ETC系统是目前世界上最先进的路桥收费方式。通过安装在车辆挡风玻璃上的车载电子标签与在收费站ETC车道上的微波天线之间的微波专用短程通讯，利用计算机联网技术与银行进行后台结算处理，从而达到车辆通过路桥收费站不需停车而能交纳路桥费的目的。
但是，上述NFC技术和ETC技术在移动终端的应用也存在一定的安全风险。比如，当用户处于人流拥挤的地方(如地铁站，公交站，商城)，NFC-SIM卡存在被人故意靠近进行恶意刷卡的风险，或者，恶意用户手持便携式POS机，在装有ETC的车前挡风玻璃处一贴，便可付款，上述恶意盗刷行为造成用户的经济损失。
发明内容
本发明实施例提供了一种支付方法及终端，用于解决使用移动终端支付时被盗刷的问题。
第一方面，提供了一种支付方法，所述方法包括：终端获取所述终端的当前状态信息；当所述当前状态信息满足预设的主动支付条件时，所述终端在预设的时间内开启支付功能进行支付，由此，避免了终端被盗刷。
在一种可能的实现方式中，所述终端获取所述终端的当前状态信息之后，还包括：所述终端判断所述当前状态信息是否满足预设的主动支付条件；如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付。
在一种可能的实现方式中，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹、在所述运动时间内所述终端的运动速度。
在一种可能的实现方式中，所述主动支付条件包括：所述终端的位置移动范围和所述终端的速度阈值；所述终端判断所述当前状态信息是否满足预设的主动支付条件，具体包括：在所述终端的运动时间内，所述终端判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述运动速度是否超过所述速度阈值；所述如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付，具体包括：在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述运动速度超过所述速度阈值，则所述终端在预设的时间内开启支付功能进行支付。
在一种可能的实现方式中，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹。
在一种可能的实现方式中，所述主动支付条件包括：所述终端的位置移动范围；所述终端判断所述当前状态信息是否满足预设的主动支付条件，具体包括：在所述终端的运动时间内，所述终端获取所述终端在第一时刻的第一运动加速度以及所述终端在所述第一时刻之后的第二时刻的第二运动加速度，所述第一时刻与所述第二时刻在所述终端的运动时间内；所述终端判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述第一运动加速度是否大于所述第二运动加速度；所述如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付，具体包括：在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述第一运动加速度大于所述第二运动加速度，则所述终端在预设的时间内开启支付功能进行支付。
在一种可能的实现方式中，所述方法还包括：当所述当前状态信息不满足预设的主动支付条件时，所述终端保持所述支付功能为关闭状态。
第二方面，提供了一种终端，所述终端包括：传感器单元，用于获取所述终端的当前状态信息；支付单元，用于当所述当前状态信息满足预设的主动支付条件时，所述终端在预设的时间内开启支付功能进行支付，由此，避免了终端被盗刷。
在一种可能的实现方式中，所述终端还包括：控制单元；所述控制单元，用于判断所述当前状态信息是否满足预设的主动支付条件；如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能。
在一种可能的实现方式中，所述当前状态信息包括：所述终端的运动时间、在所述运 动时间内所述终端的运动轨迹、在所述运动时间内所述终端的运动速度。
在一种可能的实现方式中，所述主动支付条件包括：所述终端的位置移动范围和/或所述终端的速度阈值；所述控制单元具体用于：在所述终端的运动时间内，判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述运动速度是否超过所述速度阈值；所述支付单元具体用于：在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述运动速度超过所述速度阈值，则所述终端在预设的时间内开启支付功能进行支付。
在一种可能的实现方式中，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹。
在一种可能的实现方式中，所述主动支付条件包括：所述终端的位置移动范围；所述控制单元具体用于：在所述终端的运动时间内，获取所述终端在第一时刻的第一运动加速度以及所述终端在所述第一时刻之后的第二时刻的第二运动加速度，所述第一时刻与所述第二时刻在所述终端的运动时间内；判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述第一运动加速度是否大于所述第二运动加速度；所述支付单元具体用于：在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述第一运动加速度大于所述第二运动加速度，则所述终端在预设的时间内开启支付功能进行支付。
在一种可能的实现方式中，所述支付单元，还用于当所述当前状态信息不满足预设的主动支付条件时，所述终端保持所述支付功能为关闭状态。
第三方面，本发明实施例提供了一种计算机存储介质，用于储存为上述终端所用的计算机软件指令，其包含用于执行上述第一方面和第一方面的所有可能的实现方式所设计的程序。
附图说明
图1为本申请实施例提供的支付方法流程图；
图2为本申请实施例提供的终端结构示意图；
图3为本申请实施例提供的终端又一结构示意图；
图4为本申请实施例提供的终端再一结构示意图。
图5为本申请实施例提供的应用场景示意图；
具体实施方式
为了使本发明的目的、技术方案和优点更加清楚，下面将结合附图对本发明作进一步地详细描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。
本申请的说明书和权利要求书及上述附图中的术语“第一”、“第二”等是用于区别不同对象，而不是用于描述特定顺序。此外，术语“包括”和“具有”以及它们任何变形，意图在于覆盖不排他的包括。例如包括了一系列步骤或单元的过程、方法、系统、产品或设备没有限定于已列出的步骤或单元，而是可选地还包括没有列出的步骤或单元，或可选地还包括对于这些过程、方法、产品或设备固有的其它步骤或单元。
本发明实施例中的支付方法可适用于多种终端支付的应用场景。比如，使用NFC技术的NFC-SIM卡、ETC系统等。
图1为本申请实施例提供的支付方法流程图。如图1所示，所述方法包括以下步骤：
步骤110，终端获取所述终端的当前状态信息。
步骤120，当所述当前状态信息满足预设的主动支付条件时，所述终端在预设的时间内开启支付功能进行支付。
可选地，在步骤110之后，还包括：
步骤130，所述终端判断所述当前状态信息是否满足预设的主动支付条件；如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付。
在一个实施例中，当前状态信息包括：终端的运动时间、在运动时间内终端的运动轨迹、在运动时间内终端的运动速度。主动支付条件包括：终端的位置移动范围和终端的速度阈值。
其中，终端判断当前状态信息是否满足预设的主动支付条件，具体包括：在终端的运动时间内，判断运动轨迹是否满足位置移动范围，以及，判断运动速度是否超过速度阈值；如果当前状态信息满足预设的主动支付条件，则终端在预设的时间内开启支付功能进行支付，具体包括：在终端的运动时间内，如果运动轨迹满足所述位置移动范围，且运动速度超过速度阈值，则终端在预设的时间内开启支付功能进行支付。
比如，装有ETC标签的车辆，通过桥梁高速ETC通道时，利用加速度传感器或者GPS传感器检测到车辆(ETC标签)有移动的运动轨迹，且运动速度超过速度阈值，则在预设的时间内开启免密支付功能进行支付。其中，速度阈值可以是自定义的速度，比如20km/h。预设的时间可以是自定义的时间，例如1分钟。
在另一个实施例中，当前状态信息包括：终端的运动时间、在运动时间内终端的运动轨迹。主动支付条件包括：终端的位置移动范围。
其中，终端判断当前状态信息是否满足预设的主动支付条件，具体包括：在终端的运动时间内，获取终端在第一时刻的第一运动加速度以及终端在第一时刻之后的第二时刻的第二运动加速度，第一时刻与第二时刻在终端的运动时间内；终端判断运动轨迹是否满足位置移动范围，以及，判断第一运动加速度是否大于第二运动加速度；如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付，具体包括：在终端的运动时间内，如果运动轨迹满足位置移动范围，且第一运动加速度大于第二运动加速度，则终端在预设的时间内开启支付功能进行支付。
比如，在利用手机进行支付的场景下，用户在购买商品后在柜台使用NFC手机接触POS机进行免密支付时，当通过加速度传感器检测到手机有移动的运动轨迹且减速时，或者通过陀螺仪传感器判断出手机的移动或翻转的运动轨迹且通过加速度传感器检测到减速停止时，如果运动轨迹满足位置移动范围，以及，第一时刻的第一加速度超过第二时刻的第二加速度时，则手机在预设的时间内开启支付功能进行支付。预设的时间可以是自定义的时间，例如1分钟、2分钟或者其它。
又比如，当用户在公交车或者地铁上时，其它用户使用POS机试图盗刷时，由于手机的当前运动状态不满足预设的主动支付条件，所以手机保持支付功能为关闭状态，盗刷行 为失败。
在本发明的一个实施例中，通过NFC或ETC等近场通讯协议接收到支付请求后，手机可以显示提示信息，和/或让用户确认是否开启支付功能。
在本发明的一个实施例中，开启支付功能可以为自动打开支付APP，如支付宝、微信支付、银行类应用等。可以打开支付APP的验证界面，接受用户输入的密码、指纹、虹膜、面部等验证信息，也可以打开支付APP的支付信息界面，如付款二维码等界面。也可以在黑屏下开启支付功能，和/或在支付成功后显示提示信息。用户无需手动打开APP，点开付款界面，就可以自动触发支付功能，便利了用户的使用。
手机也可以根据接收到的NFC信息识别出对应的支付APP，如Samsung Pay，Apple Pay，Mi Pay等，并自动打开支付APP。
再比如，如图5所示，装有ETC移动支付标签的车辆21，通过高速收费站的ETC通道时，当通过加速度传感器检测到车辆21(ETC标签)有移动的运动轨迹且减速时，则ETC在预设的时间内开启免密支付功能，收费终端11进行扣款。预设的时间可以是自定义的时间，例如3分钟。
通过应用本申请实施例提供的支付方法，终端获取当前状态信息；当当前状态信息满足预设的主动支付条件时，终端在预设的时间内开启支付功能进行支付，由此，避免了终端在不满足主动支付条件时被盗刷的情况发生。
图2为本申请实施例提供的终端结构示意图，如图2所示，该终端200包括：传感器单元210和支付单元220。
传感器单元210用于获取所述终端的当前状态信息。
支付单元220，用于当所述当前状态信息满足预设的主动支付条件时，所述终端在预设的时间内开启支付功能进行支付。
图3为本申请实施例提供的终端又一结构示意图。如图3所示，所述终端300包括：控制单元310。
控制单元310，用于判断所述当前状态信息是否满足预设的主动支付条件；如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能。
在一个实施例中，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹、在所述运动时间内所述终端的运动速度。所述主动支付条件包括：所述终端的位置移动范围和/或所述终端的速度阈值。
控制单元310具体用于：在所述终端的运动时间内，判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述运动速度是否超过所述速度阈值。
支付单元220具体用于：在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述运动速度超过所述速度阈值，则所述终端在预设的时间内开启支付功能进行支付。
在另一个实施例中，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹。所述主动支付条件包括：所述终端的位置移动范围。
控制单元310具体用于：在所述终端的运动时间内，获取所述终端在第一时刻的第一运动加速度以及所述终端在第一时刻之后的第二时刻的第二运动加速度，所述第一时刻与所述第二时刻在所述终端的运动时间内；判断所述运动轨迹是否满足所述位置移动范围， 以及，判断所述第一运动加速度是否大于所述第二运动加速度。
支付单元220具体用于：在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述第一运动加速度大于所述第二运动加速度，则所述终端在预设的时间内开启支付功能进行支付。
进一步地，支付单元220还用于，当所述当前状态信息不满足预设的主动支付条件时，终端保持所述支付功能为关闭状态。
通过应用本申请实施例提供的终端，传感器单元获取当前状态信息；当当前状态信息满足预设的主动支付条件时，支付单元在预设的时间内开启支付功能进行支付，由此，避免了终端在不满足主动支付条件时被盗刷。
图4为本申请实施例提供终端的再一结构示意图，该终端400用于执行图1所述方法。如图4所示，该终端400包括处理器410、存储器420及通信接口430。
所述处理器410、存储器420及通信接口430通过系统总线建立连接，一个或多个程序都将被存储在存储器420中并被配置为所述处理器410执行，一个或多个程序包括用于执行支付方法中的所有指令。
处理器410可以为中央处理器(英文：central processing unit，缩写：CPU)。
存储器420可以包括易失性存储器(英文：volatile memory)，例如随机存取存储器(英文：random-access memory，缩写：RAM)；存储器也可以包括非易失性存储器(英文：non-volatile memory)，例如只读存储器(英文：read-only memory，缩写：ROM)，快闪存储器，硬盘(英文：hard disk drive，缩写：HDD)或固态硬盘(英文：solid state drive，缩写：SSD)；存储器720还可以包括上述种类的存储器的组合。
一种示例性的存储介质耦合至处理器410，从而使处理器410能够从该存储介质读取信息，且可向该存储介质写入信息。当然，存储介质也可以是处理器410的组成部分。处理器和存储介质可以位于ASIC中。另外，该ASIC可以位于核心网接口设备中。当然，处理器410和存储介质也可以作为分立组件存在于核心网接口设备中。
上述本申请实施例揭示的方法可以应用于处理器410中，或者由处理器410实现。处理器40可能是一种集成电路芯片，具有信号的处理能力。在实现过程中，上述方法的各步骤可以通过处理器410中的硬件的集成逻辑电路或者软件形式的指令完成。上述的处理器410可以是通用处理器、DSP、ASIC、FPGA或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件。可以实现或者执行本申请实施例中的公开的各方法、步骤及逻辑框图。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。结合本申请实施例所公开的方法的步骤可以直接体现为硬件译码处理器执行完成，或者用译码处理器中的硬件及软件模块组合执行完成。软件模块可以位于随机存储器，闪存、只读存储器，可编程只读存储器或者电可擦写可编程存储器、寄存器等本领域成熟的存储介质中。该存储介质位于存储器420，处理器410读取存储器420中的信息，
本领域技术人员应该可以意识到，在上述一个或多个示例中，本发明所描述的功能可以用硬件、软件、固件或它们的任意组合来实现。当使用软件实现时，可以将这些功能存储在计算机可读介质中或者作为计算机可读介质上的一个或多个指令或代码进行传输。计算机可读介质包括计算机存储介质和通信介质，其中通信介质包括便于从 一个地方向另一个地方传送计算机程序的任何介质。存储介质可以是通用或专用计算机能够存取的任何可用介质。
以上所述的具体实施方式，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施方式而已，并不用于限定本发明的保护范围，凡在本发明的技术方案的基础之上，所做的任何修改、等同替换、改进等，均应包括在本发明的保护范围之内。本申请的实施例中的方法步骤可以通过硬件的方式来实现，也可以由处理器执行软件指令的方式来实现。软件指令可以由相应的软件模块组成，软件模块可以被存放于随机存取存储器(Random Access Memory，RAM)、闪存、只读存储器(Read-Only Memory，ROM)、可编程只读存储器(Programmable ROM，PROM)、可擦除可编程只读存储器(Erasable PROM，EPROM)、电可擦除可编程只读存储器(Electrically EPROM，EEPROM)、寄存器、硬盘、移动硬盘、CD-ROM或者本领域熟知的任何其它形式的存储介质中。一种示例性的存储介质耦合至处理器，从而使处理器能够从该存储介质读取信息，且可向该存储介质写入信息。当然，存储介质也可以是处理器的组成部分。处理器和存储介质可以位于ASIC中。另外，该ASIC可以位于发送设备或接收设备中。当然，处理器和存储介质也可以作为分立组件存在于发送设备或接收设备中。
在上述实施例中，可以全部或部分地通过软件、硬件、固件或者其任意组合来实现。当使用软件实现时，可以全部或部分地以计算机程序产品的形式实现。所述计算机程序产品包括一个或多个计算机指令。在计算机上加载和执行所述计算机程序指令时，全部或部分地产生按照本发明实施例所述的流程或功能。所述计算机可以是通用计算机、专用计算机、计算机网络、或者其他可编程终端。所述计算机指令可以存储在计算机可读存储介质中，或者通过所述计算机可读存储介质进行传输。所述计算机指令可以从一个网站站点、计算机、服务器或数据中心通过有线(例如同轴电缆、光纤、数字用户线(DSL))或无线(例如红外、无线、微波等)方式向另一个网站站点、计算机、服务器或数据中心进行传输。所述计算机可读存储介质可以是计算机能够存取的任何可用介质或者是包含一个或多个可用介质集成的服务器、数据中心等数据存储设备。所述可用介质可以是磁性介质，(例如，软盘、硬盘、磁带)、光介质(例如，DVD)、或者半导体介质(例如固态硬盘Solid State Disk(SSD)等。
可以理解的是，在本申请的实施例中涉及的各种数字编号仅为描述方便进行的区分，并不用来限制本申请的实施例的范围。
可以理解的是，在本申请的实施例中，上述各过程的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请的实施例的实施过程构成任何限定。
以上所述，仅为本申请的实施例的具体实施方式，任何熟悉本技术领域的技术人员在本申请公开揭露的技术范围内，可轻易想到的变化或替换，都应涵盖在本申请的实施例的保护范围之内。

Claims (13)

  1. 一种支付方法，其特征在于，所述方法包括：
    终端通过近距离通信方式接收支付请求；
    终端获取所述终端的当前状态信息，所述当前状态信息为与所述终端的运动相关的信息；
    当所述当前状态信息满足预设的主动支付条件时，所述终端在预设的时间内开启支付功能进行支付。
  2. 根据权利要求1所述的方法，其特征在于，所述开启支付功能包括自动打开支付APP。
  3. 根据权利要求2所述的方法，其特征在于，所述自动打开支付APP包括打开所述支付APP的验证界面或支付信息界面。
  4. 根据权利要求1所述的方法，其特征在于，所述近距离通信方式包括NFC或ETC。
  5. 根据权利要求1所述的方法，其特征在于，所述开启支付功能包括自动打开对应于所述近距离通信方式传输的信息的支付APP。
  6. 根据权利要求1所述的方法，其特征在于，所述终端获取所述终端的当前状态信息之后，还包括：
    所述终端判断所述当前状态信息是否满足预设的主动支付条件；
    如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付。
  7. 根据权利要求6所述的方法，其特征在于，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹、在所述运动时间内所述终端的运动速度。
  8. 根据权利要求7所述的方法，其特征在于，所述主动支付条件包括：所述终端的位置移动范围和所述终端的速度阈值；
    所述终端判断所述当前状态信息是否满足预设的主动支付条件，具体包括：
    在所述终端的运动时间内，所述终端判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述运动速度是否超过所述速度阈值；
    所述如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付，具体包括：
    在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述运动速度超过所述速度阈值，则所述终端在预设的时间内开启支付功能进行支付。
  9. 根据权利要求6所述的方法，其特征在于，所述当前状态信息包括：所述终端的运动时间、在所述运动时间内所述终端的运动轨迹。
  10. 根据权利要求9所述的方法，其特征在于，所述主动支付条件包括：所述终端的位置移动范围；
    所述终端判断所述当前状态信息是否满足预设的主动支付条件，具体包括：
    在所述终端的运动时间内，所述终端获取所述终端在第一时刻的第一运动加速度以及 所述终端在所述第一时刻之后的第二时刻的第二运动加速度，所述第一时刻与所述第二时刻在所述终端的运动时间内；
    所述终端判断所述运动轨迹是否满足所述位置移动范围，以及，判断所述第一运动加速度是否大于所述第二运动加速度；
    所述如果所述当前状态信息满足预设的主动支付条件，则所述终端在预设的时间内开启支付功能进行支付，具体包括：
    在所述终端的运动时间内，如果所述运动轨迹满足所述位置移动范围，且所述第一运动加速度大于所述第二运动加速度，则所述终端在预设的时间内开启支付功能进行支付。
  11. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    当所述当前状态信息不满足预设的主动支付条件时，所述终端保持所述支付功能为关闭状态。
  12. 一种终端，其特征在于，所述终端包括存储器和处理器，所述存储器存储有计算机指令，所述计算机指令在被所述处理器执行时，使得所述终端执行如权利要求1-11中任一项所述的方法。
  13. 一种存储程序的计算机可读存储介质，其特征在于，所述程序包括指令，所述指令当被终端设备执行时，使所述终端设备执行根据权利要求1-11任一项所述的方法。
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