CN106529956A - Terminal and verification method of terminal payment - Google Patents
Terminal and verification method of terminal payment Download PDFInfo
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- CN106529956A CN106529956A CN201610930717.5A CN201610930717A CN106529956A CN 106529956 A CN106529956 A CN 106529956A CN 201610930717 A CN201610930717 A CN 201610930717A CN 106529956 A CN106529956 A CN 106529956A
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- G—PHYSICS
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- 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
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The embodiment of the invention discloses a terminal and a verification method of terminal payment. The verification method of terminal payment includes the steps: receiving the current payment operation; counting the number of historical payment operations in a preset time quantum; and according to the number of historical payment operations, and the corresponding relation between the number of preset payment operations and the verification mode, determining the verification mode corresponding to the current payment operation. Therefore, the verification method of terminal payment can relatively more simply and more efficiently complete verification of terminal payment.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to a terminal and a verification method for terminal payment.
Background
With the development of the mobile internet, the terminal becomes an indispensable electronic device in daily life, the terminal payment gradually replaces the traditional cash or card payment mode, and the payment can be carried out through the terminal in daily shopping, payment, repayment, even traveling and other aspects.
For the verification of terminal payment, there are currently a plurality of verification methods: for example: fixed payment password authentication, dynamic short message authentication password authentication, biometric authentication and even authentication-free; the authentication modes are all determined according to a pre-stored fixed authentication strategy. For example: the most common verification strategy for certain payment software today is: firstly, fingerprint verification is carried out, and when the fingerprint cannot be identified, the fingerprint is verified by inputting a fixed payment password; when the payment amount is larger, for example, more than five thousand yuan, the user can verify the password through short message verification after inputting the payment completion password.
According to the scheme, the current verification process of the terminal payment is carried out according to a fixed and unchangeable verification strategy and is not considered from a user side, so that the verification mode of the terminal payment is troublesome and inefficient.
Disclosure of Invention
The invention mainly aims to provide a terminal and a terminal payment verification method, aiming at completing the verification of terminal payment more simply and efficiently.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
in a first aspect, an embodiment of the present invention provides a method for verifying terminal payment, where the method includes:
receiving a current payment operation;
counting the historical payment operation times in a preset time period;
and determining the verification mode corresponding to the current payment operation according to the historical payment operation times and the corresponding relation between the preset payment operation times and the verification mode.
In the above scheme, the determining a verification manner corresponding to the current payment operation according to the historical payment operation times specifically includes:
when the historical payment operation times exceed a first threshold value, determining a first verification mode corresponding to the current payment operation;
when the historical payment operation times do not exceed a first threshold value, determining a second verification mode corresponding to the current payment operation;
and the safety or complexity between the first verification mode and the second verification mode is different.
In the above scheme, the historical payment operation times are historical payment operation times corresponding to a purchase target corresponding to the current payment operation within a preset time period;
correspondingly, the determining the verification mode corresponding to the current payment operation according to the historical payment operation times specifically includes:
determining the interest level corresponding to the purchase target according to the historical payment operation times corresponding to the purchase target;
and acquiring a verification mode corresponding to the current payment operation according to the interestingness level corresponding to the purchase target and a preset mapping relation between the interestingness level and the verification mode.
In the above solution, the purchase target includes: the payment method comprises the following steps of a current payment operation page, a current payment operation commodity and a current payment operation target user.
In the above scheme, after determining the verification manner corresponding to the current payment operation, the method further includes:
and sending a verification request to a verification server according to a verification mode corresponding to the current payment operation.
In a second aspect, an embodiment of the present invention provides a terminal, where the terminal includes: the device comprises a receiving module, a counting module and a determining module; wherein,
the receiving module is used for receiving the current payment operation;
the statistical module is used for counting the historical payment operation times in a preset time period;
and the determining module is used for determining the verification mode corresponding to the current payment operation according to the historical payment operation times and the corresponding relation between the preset payment operation times and the verification mode.
In the foregoing solution, the determining module is configured to:
when the historical payment operation times exceed a first threshold value, determining a first verification mode corresponding to the current payment operation; and the number of the first and second groups,
when the historical payment operation times do not exceed a first threshold value, determining a second verification mode corresponding to the current payment operation;
and the safety or complexity between the first verification mode and the second verification mode is different.
In the above scheme, the historical payment operation times are historical payment operation times corresponding to a purchase target corresponding to the current payment operation within a preset time period;
correspondingly, the determining module is used for determining the interestingness level corresponding to the purchase target according to the historical payment operation times corresponding to the purchase target;
and acquiring a verification mode corresponding to the current payment operation according to the interestingness level corresponding to the purchase target and a preset mapping relation between the interestingness level and the verification mode.
In the above solution, the purchase target includes: the payment method comprises the following steps of a current payment operation page, a current payment operation commodity and a current payment operation target user.
In the above scheme, the terminal further includes a sending module, configured to send a verification request to a verification server according to a verification manner corresponding to the current payment operation.
According to the terminal and the terminal payment verification method provided by the embodiment of the invention, the corresponding payment verification mode is selected according to the purchase frequency of the user, so that the terminal payment verification can be completed more simply and efficiently.
Drawings
Fig. 1 is a schematic diagram of a hardware structure of an alternative mobile terminal according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a communication system in which a mobile terminal according to an embodiment of the present invention can operate;
fig. 3 is a schematic flow chart of a method for verifying terminal payment according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating an interface of a verification method according to an embodiment of the present invention;
FIG. 5 is a diagram illustrating an interface of another verification method provided by embodiments of the present invention;
FIG. 6 is a diagram illustrating an interface of another verification method according to an embodiment of the present invention;
FIG. 7 is a diagram illustrating an interface of yet another verification method according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a terminal according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of another terminal according to an embodiment of the present invention.
Detailed Description
The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.
A mobile terminal implementing various embodiments of the present invention will now be described with reference to fig. 1. In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in themselves. Thus, "module" and "component" may be used in a mixture.
The mobile terminal may be implemented in various forms. For example, the terminal described in the present invention may include a mobile terminal such as a mobile phone, a smart phone, a notebook computer, a digital broadcast receiver, a Personal Digital Assistant (PDA), a tablet computer (PAD), a Portable Multimedia Player (PMP), a navigation device, etc., and a stationary terminal such as a digital TV, a desktop computer, etc. In the following, it is assumed that the terminal is a mobile terminal. However, it will be understood by those skilled in the art that the configuration according to the embodiment of the present invention can be applied to a fixed type terminal in addition to elements particularly used for moving purposes.
Fig. 1 is a schematic hardware structure of an alternative mobile terminal for implementing various embodiments of the present invention.
The mobile terminal 100 may include a wireless communication unit 110, an audio/video (a/V) input unit 120, a user input unit 130, a sensing unit 140, an output unit 150, a memory 160, an interface unit 170, a controller 180, and a power supply unit 190, etc. Fig. 1 illustrates a mobile terminal having various components, but it is to be understood that not all illustrated components are required to be implemented, and that more or fewer components may instead be implemented, the elements of the mobile terminal being described in detail below.
The wireless communication unit 110 typically includes one or more components that allow radio communication between the mobile terminal 100 and a wireless communication system or network. For example, the wireless communication unit may include at least one of a broadcast receiving module 111, a mobile communication module 112, a wireless internet module 113, a short-range communication module 114, and a location information module 115.
The broadcast receiving module 111 receives a broadcast signal and/or broadcast associated information from an external broadcast management server via a broadcast channel. The broadcast channel may include a satellite channel and/or a terrestrial channel. The broadcast management server may be a server that generates and transmits a broadcast signal and/or broadcast associated information or a server that receives a previously generated broadcast signal and/or broadcast associated information and transmits it to a terminal. The broadcast signal may include a TV broadcast signal, a radio broadcast signal, a data broadcast signal, and the like. Also, the broadcast signal may further include a broadcast signal combined with a TV or radio broadcast signal. The broadcast associated information may also be provided via a mobile communication network, and in this case, the broadcast associated information may be received by the mobile communication module 112. The broadcast signal may exist in various forms, for example, it may exist in the form of an Electronic Program Guide (EPG) of Digital Multimedia Broadcasting (DMB), an Electronic Service Guide (ESG) of digital video broadcasting-handheld (DVB-H), and the like. The broadcast receiving module 111 may receive a signal broadcast by using various types of broadcasting systems. In particular, the broadcast receiving module 111 may receive digital broadcasting by using a digital broadcasting system such as a data broadcasting system of multimedia broadcasting-terrestrial (DMB-T), digital multimedia broadcasting-satellite (DMB-S), digital video broadcasting-handheld (DVB-H), forward link media (MediaFLO @), terrestrial digital broadcasting integrated service (ISDB-T), and the like. The broadcast receiving module 111 may be constructed to be suitable for various broadcasting systems that provide broadcast signals as well as the above-mentioned digital broadcasting systems. The broadcast signal and/or broadcast associated information received via the broadcast receiving module 111 may be stored in the memory 160 (or other type of storage medium).
The mobile communication module 112 transmits and/or receives radio signals to and/or from at least one of a base station (e.g., access point, node B, etc.), an external terminal, and a server. Such radio signals may include voice call signals, video call signals, or various types of data transmitted and/or received according to text and/or multimedia messages.
The wireless internet module 113 supports wireless internet access of the mobile terminal. The module may be internally or externally coupled to the terminal. The wireless internet access technology to which the module relates may include WLAN (wireless LAN) (Wi-Fi), Wibro (wireless broadband), Wimax (worldwide interoperability for microwave access), HSDPA (high speed downlink packet access), and the like.
The short-range communication module 114 is a module for supporting short-range communication. Some examples of short-range communication technologies include bluetoothTMRadio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), zigbeeTMAnd so on.
The location information module 115 is a module for checking or acquiring location information of the mobile terminal. A typical example of the location information module 115 is a GPS (global positioning system). According to the current technology, the GPS module 115 calculates distance information and accurate time information from three or more satellites and applies triangulation to the calculated information, thereby accurately calculating three-dimensional current location information according to longitude, latitude, and altitude. Currently, a method for calculating position and time information uses three satellites and corrects an error of the calculated position and time information by using another satellite. In addition, the GPS module 115 can calculate speed information by continuously calculating current position information in real time.
The a/V input unit 120 is used to receive an audio or video signal. The a/V input unit 120 may include a camera 121 and a microphone 122, and the camera 121 processes image data of still pictures or video obtained by an image capturing apparatus in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 151. The image frames processed by the cameras 121 may be stored in the memory 160 (or other storage medium) or transmitted via the wireless communication unit 110, and two or more cameras 121 may be provided according to the construction of the mobile terminal. The microphone 122 may receive sounds (audio data) via the microphone 122 in a phone call mode, a recording mode, a voice recognition mode, or the like, and is capable of processing such sounds into audio data. The processed audio (voice) data may be converted into a format output transmittable to a mobile communication base station via the mobile communication module 112 in case of a phone call mode. The microphone 122 may implement various types of noise cancellation (or suppression) algorithms to cancel (or suppress) noise or interference generated in the course of receiving and transmitting audio signals.
The user input unit 130 may generate key input data according to a command input by a user to control various operations of the mobile terminal. The user input unit 130 allows a user to input various types of information, and may include a keyboard, dome sheet, touch pad (e.g., a touch-sensitive member that detects changes in resistance, pressure, capacitance, and the like due to being touched), scroll wheel, joystick, and the like. In particular, when the touch pad is superimposed on the display unit 151 in the form of a layer, a touch screen may be formed.
The sensing unit 140 detects a current state of the mobile terminal 100 (e.g., an open or closed state of the mobile terminal 100), a position of the mobile terminal 100, presence or absence of contact (i.e., touch input) by a user with the mobile terminal 100, an orientation of the mobile terminal 100, acceleration or deceleration movement and direction of the mobile terminal 100, and the like, and generates a command or signal for controlling an operation of the mobile terminal 100. For example, when the mobile terminal 100 is implemented as a slide-type mobile phone, the sensing unit 140 may sense whether the slide-type phone is opened or closed. In addition, the sensing unit 140 can detect whether the power supply unit 190 supplies power or whether the interface unit 170 is coupled with an external device. The sensing unit 140 may include a proximity sensor 141 as will be described below in connection with a touch screen.
The interface unit 170 serves as an interface through which at least one external device is connected to the mobile terminal 100. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The identification module may store various information for authenticating a user using the mobile terminal 100 and may include a User Identity Module (UIM), a Subscriber Identity Module (SIM), a Universal Subscriber Identity Module (USIM), and the like. In addition, a device having an identification module (hereinafter, referred to as an "identification device") may take the form of a smart card, and thus, the identification device may be connected with the mobile terminal 100 via a port or other connection means. The interface unit 170 may be used to receive input (e.g., data information, power, etc.) from an external device and transmit the received input to one or more elements within the mobile terminal 100 or may be used to transmit data between the mobile terminal and the external device.
In addition, when the mobile terminal 100 is connected with an external cradle, the interface unit 170 may serve as a path through which power is supplied from the cradle to the mobile terminal 100 or may serve as a path through which various command signals input from the cradle are transmitted to the mobile terminal. Various command signals or power input from the cradle may be used as signals for recognizing whether the mobile terminal is accurately mounted on the cradle. The output unit 150 is configured to provide output signals (e.g., audio signals, video signals, alarm signals, vibration signals, etc.) in a visual, audio, and/or tactile manner. The output unit 150 may include a display unit 151, an audio output module 152, an alarm unit 153, and the like.
The display unit 151 may display information processed in the mobile terminal 100. For example, when the mobile terminal 100 is in a phone call mode, the display unit 151 may display a User Interface (UI) or a Graphical User Interface (GUI) related to a call or other communication (e.g., text messaging, multimedia file downloading, etc.). When the mobile terminal 100 is in a video call mode or an image capturing mode, the display unit 151 may display a captured image and/or a received image, a UI or GUI showing a video or an image and related functions, and the like.
Meanwhile, when the display unit 151 and the touch pad are overlapped with each other in the form of a layer to form a touch screen, the display unit 151 may serve as an input device and an output device. The display unit 151 may include at least one of a Liquid Crystal Display (LCD), a thin film transistor LCD (TFT-LCD), an Organic Light Emitting Diode (OLED) display, a flexible display, a three-dimensional (3D) display, and the like. Some of these displays may be configured to be transparent to allow a user to view from the outside, which may be referred to as transparent displays, and a typical transparent display may be, for example, a TOLED (transparent organic light emitting diode) display or the like. Depending on the particular desired implementation, the mobile terminal 100 may include two or more display units (or other display devices), for example, the mobile terminal may include an external display unit (not shown) and an internal display unit (not shown). The touch screen may be used to detect a touch input pressure as well as a touch input position and a touch input area.
The audio output module 152 may convert audio data received by the wireless communication unit 110 or stored in the memory 160 into an audio signal and output as sound when the mobile terminal is in a call signal reception mode, a call mode, a recording mode, a voice recognition mode, a broadcast reception mode, or the like. Also, the audio output module 152 may provide audio output related to a specific function performed by the mobile terminal 100 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output module 152 may include a speaker, a buzzer, and the like.
The alarm unit 153 may provide an output to notify the mobile terminal 100 of the occurrence of an event. Typical events may include call reception, message reception, key signal input, touch input, and the like. In addition to audio or video output, the alarm unit 153 may provide output in different ways to notify the occurrence of an event. For example, the alarm unit 153 may provide an output in the form of vibration, and when a call, a message, or some other Incoming Communication (Incoming Communication) is received, the alarm unit 153 may provide a tactile output (e.g., vibration) to inform the user thereof. By providing such a tactile output, the user can recognize the occurrence of various events even when the user's mobile phone is in the user's pocket. The alarm unit 153 may also provide an output notifying the occurrence of an event via the display unit 151 or the audio output module 152.
The memory 160 may store software programs and the like for processing and controlling operations performed by the controller 180, or may temporarily store data (e.g., a phonebook, messages, still images, videos, and the like) that has been or will be output. Also, the memory 160 may store data regarding various ways of vibration and audio signals output when a touch is applied to the touch screen.
The memory 160 may include at least one type of storage medium including a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. Also, the mobile terminal 100 may cooperate with a network storage device that performs a storage function of the memory 160 through a network connection.
The controller 180 generally controls the overall operation of the mobile terminal. For example, the controller 180 performs control and processing related to voice calls, data communications, video calls, and the like. In addition, the controller 180 may include a multimedia module 181 for reproducing (or playing back) multimedia data, and the multimedia module 181 may be constructed within the controller 180 or may be constructed separately from the controller 180. The controller 180 may perform a pattern recognition process to recognize a handwriting input or a picture drawing input performed on the touch screen as a character or an image.
The power supply unit 190 receives external power or internal power and provides appropriate power required to operate various elements and components under the control of the controller 180.
The various embodiments described herein may be implemented in a computer-readable medium using, for example, computer software, hardware, or any combination thereof. For a hardware implementation, the embodiments described herein may be implemented using at least one of an Application Specific Integrated Circuit (ASIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a processor, a controller, a microcontroller, a microprocessor, an electronic unit designed to perform the functions described herein, and in some cases, such embodiments may be implemented in the controller 180. For a software implementation, the implementation such as a process or a function may be implemented with a separate software module that allows performing at least one function or operation. The software codes may be implemented by software applications (or programs) written in any suitable programming language, which may be stored in the memory 160 and executed by the controller 180.
Up to this point, mobile terminals have been described in terms of their functionality. Hereinafter, a slide-type mobile terminal among various types of mobile terminals, such as a folder-type, bar-type, swing-type, slide-type mobile terminal, and the like, will be described as an example for the sake of brevity. Accordingly, the present invention can be applied to any type of mobile terminal, and is not limited to a slide type mobile terminal.
The mobile terminal 100 as shown in fig. 1 may be configured to operate with communication systems such as wired and wireless communication systems and satellite-based communication systems that transmit data via frames or packets.
A communication system in which a mobile terminal according to the present invention is operable will now be described with reference to fig. 2.
Such communication systems may use different air interfaces and/or physical layers. For example, the air interface used by the communication system includes, for example, Frequency Division Multiple Access (FDMA), Time Division Multiple Access (TDMA), Code Division Multiple Access (CDMA), and Universal Mobile Telecommunications System (UMTS) (in particular, Long Term Evolution (LTE)), global system for mobile communications (GSM), and the like. By way of non-limiting example, the following description relates to a CDMA communication system, but such teachings are equally applicable to other types of systems.
Referring to fig. 2, the CDMA wireless communication system may include a plurality of mobile terminals 100, a plurality of Base Stations (BSs) 270, Base Station Controllers (BSCs) 275, and a Mobile Switching Center (MSC) 280. The MSC280 is configured to interface with a Public Switched Telephone Network (PSTN) 290. The MSC280 is also configured to interface with a BSC275, which may be coupled to the base station 270 via a backhaul. The backhaul may be constructed according to any of several known interfaces including, for example, E1/T1, ATM, IP, PPP, frame Relay, HDSL, ADSL, or xDSL. It will be understood that a system as shown in fig. 2 may include multiple BSCs 2750.
Each BS270 may serve one or more sectors (or regions), each sector covered by a multi-directional antenna or an antenna pointing in a particular direction being radially distant from the BS 270. Alternatively, each partition may be covered by two or more antennas for diversity reception. Each BS270 may be configured to support multiple frequency allocations, with each frequency allocation having a particular frequency spectrum (e.g., 1.25MHz, 5MHz, etc.).
The intersection of partitions with frequency allocations may be referred to as a CDMA channel. The BS270 may also be referred to as a Base Transceiver Subsystem (BTS) or other equivalent terminology. In such a case, the term "base station" may be used to generically refer to a single BSC275 and at least one BS 270. The base stations may also be referred to as "cells". Alternatively, each sector of a particular BS270 may be referred to as a plurality of cell sites.
As shown in fig. 2, a Broadcast Transmitter (BT)295 transmits a broadcast signal to the mobile terminal 100 operating within the system. A broadcast receiving module 111 as shown in fig. 1 is provided at the mobile terminal 100 to receive a broadcast signal transmitted by the BT 295. In fig. 2, several Global Positioning System (GPS) satellites 300 are shown. The satellite 300 assists in locating at least one of the plurality of mobile terminals 100.
In fig. 2, a plurality of satellites 300 are depicted, but it is understood that useful positioning information may be obtained with any number of satellites. The GPS module 115 as shown in fig. 1 is generally configured to cooperate with satellites 300 to obtain desired positioning information. Other techniques that can track the location of the mobile terminal may be used instead of or in addition to GPS tracking techniques. In addition, at least one GPS satellite 300 may selectively or additionally process satellite DMB transmission.
As a typical operation of the wireless communication system, the BS270 receives reverse link signals from various mobile terminals 100. The mobile terminal 100 is generally engaged in conversations, messaging, and other types of communications. Each reverse link signal received by a particular base station 270 is processed within the particular BS 270. The obtained data is forwarded to the associated BSC 275. The BSC provides call resource allocation and mobility management functions including coordination of soft handoff procedures between BSs 270. The BSCs 275 also route the received data to the MSC280, which provides additional routing services for interfacing with the PSTN 290. Similarly, the PSTN290 interfaces with the MSC280, the MSC interfaces with the BSCs 275, and the BSCs 275 accordingly control the BS270 to transmit forward link signals to the mobile terminal 100.
Based on the above mobile terminal hardware structure and communication system, various embodiments of the present invention are proposed.
Example one
Referring to fig. 3, it shows a method for verifying terminal payment provided by an embodiment of the present invention, where the method may be applied to a terminal device having a payment function, and the method may include:
s301: receiving a current payment operation;
s302: counting the historical payment operation times in a preset time period;
s303: and determining the verification mode corresponding to the current payment operation according to the historical payment operation times and the corresponding relation between the preset payment operation times and the verification mode.
It can be understood that, with the technical solution shown in fig. 3, the corresponding verification manner can be determined according to the historical payment operation times within the preset time, instead of performing verification according to the existing fixed verification policy, so that verification of terminal payment is accomplished more simply and efficiently.
It should be noted that, in the above technical solution, different corresponding relationships can be selected according to different specific demand scenarios, so as to obtain different verification modes; in this embodiment, the authentication method may include, but is not limited to, a secret-free authentication, a fixed password authentication, a dynamic password authentication, and a biometric authentication; in this embodiment, fingerprint verification is taken as an example of biometric verification.
Through the common sense in the industry and the specific operation process of the user, the following steps can be known: for the verification mode, fingerprint verification, dynamic password verification, fixed password verification and password-free verification are sequentially arranged from high to low according to the security; the simple and complex arrangement is the secret-free verification, the fingerprint verification, the fixed password verification and the dynamic password verification in sequence according to the operation complexity of the user.
It should be further noted that, after obtaining the verification manner, the technical solution may further include:
and sending a verification request to a verification server according to a verification mode corresponding to the current payment operation.
Specifically, the authentication data in the authentication requests corresponding to different authentication modes are different.
For step S303, because different specific demand scenarios may cause different corresponding relationships, in this embodiment, when the specific scenario is to avoid an abnormal payment behavior of the user, such as an operation of swiping a bill in an online shopping, the corresponding relationship is that the number of historical payment operations is greater within a preset time period, and the verification manner corresponding to the current payment operation is more complicated; when a specific scene is convenient for a user to carry out payment behavior, the corresponding relation is that the more the number of historical payment operations is in a preset time period, the more convenient the verification mode corresponding to the current payment operation is; when the specific scene is to ensure the safety of payment of the user, the corresponding relation is that the more the number of times of historical payment operation is increased in a preset time period, the safer the verification mode corresponding to the current payment operation is; when a specific scenario is convenient for a user to pay a certain payment target with higher purchase interest, the corresponding relation is that the more the number of historical payment operations aiming at the payment target in a preset time period is, the more convenient the verification mode corresponding to the current payment operation is; when the specific scenario is to ensure the security of payment for the payment target with higher purchase interest, the corresponding relationship is that the more the number of historical payment operations for the payment target in a preset time period is, the more secure the verification mode corresponding to the current payment operation is.
Therefore, for the above specific scenario, preferably, for step S303, the determining the verification manner corresponding to the current payment operation according to the historical payment operation times may include:
when the historical payment operation times exceed a first threshold value, determining a first verification mode corresponding to the current payment operation;
when the historical payment operation times do not exceed a first threshold value, determining a second verification mode corresponding to the current payment operation;
and the safety or complexity between the first verification mode and the second verification mode is different.
Preferably, the historical payment operation times are historical payment operation times corresponding to a purchase target corresponding to the current payment operation within a preset time period;
correspondingly, in step S303, the determining the verification manner corresponding to the current payment operation according to the historical payment operation times may include:
determining the interest level corresponding to the purchase target according to the historical payment operation times corresponding to the purchase target;
and acquiring a verification mode corresponding to the current payment operation according to the interestingness level corresponding to the purchase target and a preset mapping relation between the interestingness level and the verification mode.
Specifically, the purchase target includes: the payment method comprises the following steps of a current payment operation page, a current payment operation commodity and a current payment operation target user.
The embodiment provides a terminal payment verification method, which selects a corresponding payment verification mode according to the purchase frequency of a user, so that the terminal payment verification can be completed more simply and efficiently.
Example two
Based on the same technical concept as the foregoing embodiments, the present embodiment will explain the technical solutions of the foregoing embodiments in detail through the following specific embodiments.
Detailed description of the preferred embodiment
The terminal counts the payment operation times of the user; when the terminal receives the current payment operation of the user, acquiring the historical payment operation times of the user within one hour before the current moment according to the statistical value; if the number of historical payment operations exceeds a preset first threshold, for example 10000 times, the terminal may consider that the user performs an abnormal payment behavior, such as a bill swiping, and the like, and therefore, the terminal may increase the complexity of the verification mode corresponding to the current payment operation. For example, the historical payment operation corresponds to fingerprint verification, as shown in fig. 4, and the current payment operation corresponds to dynamic password verification, as shown in fig. 5, so as to avoid abnormal payment behaviors such as a user swiping a bill.
Detailed description of the invention
The terminal counts the payment operation times of the user; when the terminal receives the current payment operation of the user, acquiring the historical payment operation times of the user within one hour before the current moment according to the statistical value; if the historical payment operation times exceed a preset first threshold value, for example, 100 times, in order to ensure the security of payment performed by the user, the terminal improves the security of the verification mode corresponding to the current payment operation. For example, the historical payment operation corresponds to dynamic password authentication, and then the current payment operation corresponds to fingerprint authentication, thereby ensuring the security of payment performed by the user.
Detailed description of the preferred embodiment
The terminal counts the historical payment operation times of a user for a certain purchase target, for example, counts the historical payment operation times of a certain commodity; when the terminal receives the current payment operation of the user for the commodity, acquiring the historical payment operation times of the user for the commodity in a week before the current time according to the statistical value, and determining the interest level of the user for the commodity according to the historical payment operation times of the commodity, wherein for example, if the payment operation times in the week are not more than 1 time, the user is not interested in the commodity; if the number of the payment operation times in one week exceeds 1 but does not exceed 3, the user is considered to be interested in the commodity; if the number of the payment operation times in one week exceeds 3, the user is considered to be very interested in the commodity; thus, the terminal can determine different verification modes according to different interest degree levels. For example, the more interested the user is in the commodity, the lower the complexity of the verification manner, for example, when the number of historical payment operations of the purchase target corresponding to the current payment operation in a week exceeds 3, the verification manner corresponding to the current payment operation may be a secret-free verification, as shown in fig. 6; when the historical payment operation frequency of the purchase target corresponding to the current payment operation in one week exceeds 1 time but does not exceed 3 times, the verification mode corresponding to the current payment operation can be fingerprint verification; when the number of historical payment operations of the purchase target corresponding to the current payment operation in a week is not more than 1, the verification mode corresponding to the current payment operation may be fixed password verification, as shown in fig. 7.
For the specific embodiment, it should be noted that the purchase target corresponding to the current payment operation may include, in addition to the product currently performing the payment operation, a page currently performing the payment operation, a target user currently performing the payment operation, and the like. This embodiment will not be described in detail.
It should be noted that, with the above specific embodiment, after determining the verification manner corresponding to the current payment operation, the method further includes:
and sending a verification request to a verification server according to a verification mode corresponding to the current payment operation.
For example, when the verification mode is a secret-free verification, the verification data contained in the verification request is the identity authentication data of the user; when the verification mode is fixed password verification, the verification data contained in the verification request is a static verification password input by the user; when the verification mode is dynamic password verification, the verification data contained in the verification request is a dynamic verification password input by the user according to the received dynamic information; when the authentication mode is fingerprint authentication, the authentication data included in the authentication request is fingerprint data input by the user.
In this embodiment, the technical solution of the first embodiment is explained through the above specific embodiment, and it can be understood that the corresponding payment verification method is selected according to the frequency of the user's purchase, so that the verification of the terminal payment can be completed more simply and efficiently.
EXAMPLE III
Based on the same technical concept as the foregoing embodiment, referring to fig. 8, it illustrates a terminal 80 provided by an embodiment of the present invention, which may include: a receiving module 801, a counting module 802 and a determining module 803;
wherein,
the receiving module 801 is configured to receive a current payment operation;
the counting module 802 is configured to count the number of historical payment operations within a preset time period;
the determining module 803 is configured to determine the verification manner corresponding to the current payment operation according to the historical payment operation times and a preset correspondence between the payment operation times and the verification manner.
In the foregoing solution, the determining module 803 is configured to:
when the historical payment operation times exceed a first threshold value, determining a first verification mode corresponding to the current payment operation; and the number of the first and second groups,
when the historical payment operation times do not exceed a first threshold value, determining a second verification mode corresponding to the current payment operation;
and the safety or complexity between the first verification mode and the second verification mode is different.
In the above scheme, the historical payment operation times are historical payment operation times corresponding to a purchase target corresponding to the current payment operation within a preset time period;
correspondingly, the determining module 803 is configured to determine, according to the historical payment operation times corresponding to the purchase target, the interestingness level corresponding to the purchase target;
and acquiring a verification mode corresponding to the current payment operation according to the interestingness level corresponding to the purchase target and a preset mapping relation between the interestingness level and the verification mode.
In the above solution, the purchase target includes: the payment method comprises the following steps of a current payment operation page, a current payment operation commodity and a current payment operation target user.
In the above scheme, referring to fig. 9, the terminal further includes a sending module 804, configured to send a verification request to a verification server according to a verification manner corresponding to the current payment operation.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method described in the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A method for verifying terminal payment, the method comprising:
receiving a current payment operation;
counting the historical payment operation times in a preset time period;
and determining the verification mode corresponding to the current payment operation according to the historical payment operation times and the corresponding relation between the preset payment operation times and the verification mode.
2. The method according to claim 1, wherein the determining the verification mode corresponding to the current payment operation according to the historical payment operation times specifically comprises:
when the historical payment operation times exceed a first threshold value, determining a first verification mode corresponding to the current payment operation;
when the historical payment operation times do not exceed a first threshold value, determining a second verification mode corresponding to the current payment operation;
and the safety or complexity between the first verification mode and the second verification mode is different.
3. The method according to claim 1, wherein the historical payment operation times are historical payment operation times corresponding to a purchase target corresponding to the current payment operation within a preset time period;
correspondingly, the determining the verification mode corresponding to the current payment operation according to the historical payment operation times specifically includes:
determining the interest level corresponding to the purchase target according to the historical payment operation times corresponding to the purchase target;
and acquiring a verification mode corresponding to the current payment operation according to the interestingness level corresponding to the purchase target and a preset mapping relation between the interestingness level and the verification mode.
4. The method of claim 3, wherein the purchase objective comprises: the payment method comprises the following steps of a current payment operation page, a current payment operation commodity and a current payment operation target user.
5. The method of claim 1, wherein after determining the verification mode corresponding to the current payment operation, the method further comprises:
and sending a verification request to a verification server according to a verification mode corresponding to the current payment operation.
6. A terminal, characterized in that the terminal comprises: the device comprises a receiving module, a counting module and a determining module; wherein,
the receiving module is used for receiving the current payment operation;
the statistical module is used for counting the historical payment operation times in a preset time period;
and the determining module is used for determining the verification mode corresponding to the current payment operation according to the historical payment operation times and the corresponding relation between the preset payment operation times and the verification mode.
7. The terminal of claim 6, wherein the determining module is configured to:
when the historical payment operation times exceed a first threshold value, determining a first verification mode corresponding to the current payment operation; and the number of the first and second groups,
when the historical payment operation times do not exceed a first threshold value, determining a second verification mode corresponding to the current payment operation;
and the safety or complexity between the first verification mode and the second verification mode is different.
8. The terminal according to claim 6, wherein the historical payment operation times are historical payment operation times corresponding to a purchase target corresponding to the current payment operation within a preset time period;
correspondingly, the determining module is used for determining the interestingness level corresponding to the purchase target according to the historical payment operation times corresponding to the purchase target;
and acquiring a verification mode corresponding to the current payment operation according to the interestingness level corresponding to the purchase target and a preset mapping relation between the interestingness level and the verification mode.
9. The terminal of claim 8, wherein the purchase objective comprises: the payment method comprises the following steps of a current payment operation page, a current payment operation commodity and a current payment operation target user.
10. The terminal according to claim 6, wherein the terminal further comprises a sending module, configured to send a verification request to a verification server according to a verification manner corresponding to the current payment operation.
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| CN201610930717.5A CN106529956A (en) | 2016-10-31 | 2016-10-31 | Terminal and verification method of terminal payment |
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| CN201610930717.5A CN106529956A (en) | 2016-10-31 | 2016-10-31 | Terminal and verification method of terminal payment |
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| CN107705128A (en) * | 2017-09-05 | 2018-02-16 | 深圳支点电子智能科技有限公司 | A kind of payment verification method and system |
| CN107730255A (en) * | 2017-09-28 | 2018-02-23 | 努比亚技术有限公司 | A kind of safe payment method, terminal and computer-readable recording medium |
| CN108171517A (en) * | 2018-01-24 | 2018-06-15 | 阿里巴巴集团控股有限公司 | A kind of method of payment, server and system |
| CN108256856A (en) * | 2017-12-08 | 2018-07-06 | 五八有限公司 | A kind of method of payment, equipment and computer readable storage medium |
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| CN108960838A (en) * | 2018-06-14 | 2018-12-07 | 上海米飞网络科技有限公司 | Payment platform uses method safely |
| CN109784811A (en) * | 2019-01-15 | 2019-05-21 | 长春市震撼科技有限公司 | A kind of commodity sale system for e-commerce |
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| CN113743945A (en) * | 2021-09-03 | 2021-12-03 | 深圳刷宝科技有限公司 | Method and device for switching payment verification modes based on risks |
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