CN104778586A - Safety payment method and device - Google Patents
Safety payment method and device Download PDFInfo
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- CN104778586A CN104778586A CN201510119415.5A CN201510119415A CN104778586A CN 104778586 A CN104778586 A CN 104778586A CN 201510119415 A CN201510119415 A CN 201510119415A CN 104778586 A CN104778586 A CN 104778586A
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- voice messaging
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Abstract
The embodiment of the invention discloses a safety payment method and device. The method comprises the following steps: when detecting an opening request of a payment interface of a pre-appointed payment application program, providing a first voice information acquisition interface and acquiring first voice information of a user from the first voice information acquisition interface; performing matching verification on the first voice information and preset second voice information, allowing the payment interface of the payment application program to be opened when determining that verification is passed, and making payment through the payment interface. Therefore, the safety of terminal payment can be improved.
Description
Technical field
The present invention relates to field of information security technology, be specifically related to a kind of safe payment method and device.
Background technology
Along with popularizing of internet, internet brings great convenience to the life of people, and people can contact relatives, friend by internet, can also carry out shopping online by internet.Very many facilities that shopping online brings to the life of people, in the mobile Internet epoch, user has also adapted to carry out shopping online by mobile terminal gradually, and the application that mobile terminal payment is relevant also gets more and more.
A lot of bank and Internet enterprises are all proposed corresponding installation kit, make user convenient in online payment.The mode that current mobile terminal payment mainly adopts password or password to add identifying code carries out payment verification, even carries out NFC and pays without password.But password and identifying code are easily revealed, and pay without password for NFC, easier lost terminal or stolen after, to be taken away bankcard consumption by the person of finding or stealer, cause the loss of NFC intelligent terminal user, there is the hidden danger of secure context.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of safe payment method and device, to improve the security that terminal pays.
The embodiment of the present invention is by the following technical solutions:
First aspect, embodiments provides a kind of safe payment method, comprising:
When detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface;
Described first voice messaging being mated with the second voice messaging pre-set and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
Second aspect, the embodiment of the present invention additionally provides a kind of secure payment device, comprising:
First collecting unit, when detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface;
Coupling authentication unit, being mated with the second voice messaging pre-set described first voice messaging and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
The Advantageous Effects of the technical scheme that the embodiment of the present invention proposes is:
The embodiment of the present invention is by when the payment interface request of the payment application described preassignment being detected is opened, first voice messaging of the first voice messaging acquisition interface collection user is provided, when verifying that described first voice messaging mates with the second voice messaging pre-set, just allow the payment interface of described payment application to open user is paid by this payment interface, the security that terminal pays can be improved.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing the embodiment of the present invention is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the content of the embodiment of the present invention and these accompanying drawings.
Fig. 1 is the safe payment method process flow diagram described in the specific embodiment of the invention one;
Fig. 2 is the safe payment method process flow diagram described in the specific embodiment of the invention two;
Fig. 3 is the safe payment method process flow diagram described in the specific embodiment of the invention three;
Fig. 4 is the structured flowchart of the secure payment device described in the specific embodiment of the invention four.
Embodiment
The technical matters solved for making the present invention, the technical scheme of employing and the technique effect that reaches are clearly, be described in further detail below in conjunction with the technical scheme of accompanying drawing to the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those skilled in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Technical scheme of the present invention is further illustrated by embodiment below in conjunction with accompanying drawing.
Embodiment one
Fig. 1 is the safe payment method process flow diagram described in the present embodiment, the method can be performed by the secure payment device be configured in terminal, described device is realized by software program, can be built in the terminal being provided with payment application of such as smart mobile phone, panel computer, notebook computer, desktop computer or personal digital assistant and so on.Pay control device, can exist independent of payment application, also can be used as the part paying application, purchased in payment application.
As shown in Figure 1, the safe payment method described in the present embodiment comprises:
Step S101, when detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface.
In the present embodiment, voice messaging alleged by this step can be the information content by voice typing, it can also be the characteristic information of the voice received by language voice collecting interface, accordingly, the first voice messaging acquisition interface alleged by the present embodiment and the second voice messaging acquisition interface can be microphone.
Particularly, the payment interface that air exercise opens payment application identifies, various ways can be adopted, payment interface is as the most crucial part of payment application, in advance the mark (such as window handle) of the payment interface in the payment application of one or more preassignment can be registered, the current operation of terminal is monitored, if when the request of detecting is opened and is belonged to registered payment interface, eject the information and acquisition interface (being called the first voice messaging acquisition interface herein) that gather voice messaging, first voice messaging of user is gathered by described first voice messaging acquisition interface.
High in the clouds is stored into after the mark of the payment application of described second voice messaging and described preassignment can also being bound, follow-up carry out coupling checking before, the second voice messaging that the mark obtaining the payment application of described preassignment from described high in the clouds is bound.
Step S102, described first voice messaging being mated with the second voice messaging pre-set and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
It should be noted that, the coupling checking described in the present embodiment, includes but not limited to that consistency on messaging is verified, as long as can determine that the first voice messaging and the second voice messaging derive from same unique user.Therefore, the present embodiment does not require that the first voice messaging is completely the same with the information format of the second voice messaging, as long as the first voice messaging can be used for coupling checking with the second voice messaging, and described first voice messaging can be characterized when being verified and described second voice messaging derives from same user.
Such as the first voice messaging and the second voice messaging are all iris information, wherein the first voice messaging specifically refers to the iris image of user, second voice messaging specifically refers to the characteristic parameter of the iris image of user, if come from unique user by the iris image described in characteristic parameter energy unique authentication first voice messaging of the iris image described in the second voice messaging, then described first voice messaging and the information format both the second voice messaging are allowed to.
Only the payment interface of payment application is just used to pay when mating and being verified, even if other people adopt illegal means to obtain the payment verification information (as payment cipher) of user like this, also payment cannot be completed smoothly, because must mate with the second voice messaging preset, and the second voice messaging coupling preset is independent of this payment application, cannot be changed by payment application, therefore some are supported to the situation about paying without password of small amount, or the situation that payment cipher is revealed, other users are because can not cannot carry out paying without password by the checking of voice messaging coupling, thus the safety of payment of this Terminal owner can be ensured.
The embodiment of the present invention is by when the payment interface request of the payment application described preassignment being detected is opened, first voice messaging of the first voice messaging acquisition interface collection user is provided, when verifying that described first voice messaging mates with the second voice messaging pre-set, just allow the payment interface of described payment application to open user is paid by this payment interface, the security that terminal pays can be improved.
Embodiment two
Fig. 2 is the safe payment method process flow diagram described in the present embodiment, and as shown in Figure 2, the safe payment method described in the present embodiment comprises:
Step S201, when detect the payment application of preassignment is installed time, the second voice messaging acquisition interface is provided, gathers second voice messaging of described user from described second voice messaging acquisition interface.
In order to further improve the security of the payment application of terminal, described the second voice messaging pre-set should first time use the payment interface of this payment application pay before arrange, a kind of convenient reasonable manner is had to be that described second voice messaging is set when the payment application of installing preassignment being detected.
The concrete method arranging the second voice messaging can be similar to arranging the first voice messaging, such as, can provide the second voice messaging acquisition interface, gather second voice messaging of described user from described second voice messaging acquisition interface.
When the payment application of installing preassignment being detected, voice messaging typing is carried out to the active user installing this payment application, first the information gathering voice messaging and acquisition interface (being called the second voice messaging acquisition interface herein) is ejected, second voice messaging of user is gathered by described second voice messaging acquisition interface, and the second gathered voice messaging is preserved, can preserve or encrypting storing in terminal local, also can encrypting storing beyond the clouds.
Further, due to the reason such as algorithm, precision, the precision of voice messaging harvester, the availability of voice messaging harvester of coupling checking, time user's multiple authentication may be had all not existed by problem, at this moment then need to provide other verification method to exist as helping system.
Therefore, when the payment application of installing preassignment being detected, except providing the second voice messaging acquisition interface, gather outside second voice messaging of described user from described second voice messaging acquisition interface, also can comprise and mailbox enrollment interface is provided, and receive the mailbox of user's input as confirmation email from described mailbox enrollment interface.
After described first voice messaging mated with the second voice messaging pre-set verifying, when checking is obstructed out-of-date, send identifying code to described confirmation email and identifying code acquisition interface is provided, gather identifying code from described identifying code acquisition interface and verify, if be verified, the payment interface of described payment application is then allowed to open, otherwise, do not allow the payment interface of described payment application to open.
Step S202, when detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface.
Step S203, described first voice messaging being mated with the second voice messaging and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
The present embodiment is on the basis of embodiment one, by when the payment application of installing preassignment being detected, the mode of the second voice messaging acquisition interface Information Monitoring is provided to obtain second voice messaging of user, use pay before add to mate with described second voice messaging first voice messaging of active user and verify, after being verified, the payment interface of described payment application is just allowed to open user is paid by this payment interface, can effectively prevent from other users outside the owner of terminal from using the payment in terminal to apply to pay, the safety and reliability that terminal pays can be improved.
Embodiment three
Fig. 3 is the safe payment method process flow diagram described in the present embodiment, and as shown in Figure 3, the safe payment method described in the present embodiment comprises:
Step S301, detect and the payment application of preassignment is installed.
Step S302, provide the second voice messaging acquisition interface, gather second voice messaging of described user from described second voice messaging acquisition interface.
Step S303, the mark of the payment application of described second voice messaging and described preassignment is bound after be stored into high in the clouds.
Step S304, provide mailbox enrollment interface, and receive the mailbox of user's input as confirmation email from described mailbox enrollment interface.
Step S305, when detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface.
The second voice messaging that step S306, the mark obtaining the payment application of described preassignment from described high in the clouds are bound.
Step S307, described first voice messaging mated with the second voice messaging pre-set and verifies.
Step S308, judge coupling checking whether pass through, if then perform step S311, otherwise perform step S309.
Step S309, send identifying code to described confirmation email and identifying code acquisition interface is provided, gather identifying code from described identifying code acquisition interface and verify
Step S310, judge coupling checking whether pass through, if then perform step S311, otherwise perform step S312.
Step S311, allow the payment interface of described payment application to open, to be paid by described payment interface, terminate.
Step S312, do not allow the payment interface of described payment application to open, to refuse to be paid by described payment interface, terminate.
The technical scheme that the present embodiment provides, after the checking of employing people voice messaging coupling is obstructed, again can verify payment user in the mode of mailbox checking, such benefit is: on the one hand, can overcome because voice messaging identification is forbidden, and cause voice messaging to mate the drawback of validation failure; On the other hand, if trigger the payment user paying application, be relatives or the friend of holder terminal mandate, also can based on the mode of mailbox checking, smoothly by checking, thus it is more reasonable to make to pay control strategy, can ensure that safety is convenient to again pay.
Embodiment four
Fig. 4 is the structured flowchart of the secure payment device described in the present embodiment, and as shown in Figure 4, the secure payment device described in the present embodiment comprises:
First collecting unit 410, when detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface;
Coupling authentication unit 420, being mated with the second voice messaging pre-set described first voice messaging and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
Further, described device also comprises the second collecting unit 430, for before providing the first voice messaging acquisition interface, when the payment application of installing described preassignment being detected, second voice messaging acquisition interface is provided, gathers second voice messaging of described user from described second voice messaging acquisition interface.
Further, described second voice messaging acquisition interface and described first voice messaging acquisition interface are microphone.
Further, the first collecting unit 410 also for, when the payment application of installing described preassignment being detected, provide mailbox enrollment interface, and receive the mailbox of user's input as confirmation email from described mailbox enrollment interface;
Described coupling authentication unit 420 also for, after described first voice messaging mated with the second voice messaging pre-set verifying, when checking is obstructed out-of-date, send identifying code to described confirmation email and identifying code acquisition interface is provided, gather identifying code from described identifying code acquisition interface and verify, if be verified, then allowing the payment interface of described payment application to open, otherwise, do not allow the payment interface of described payment application to open.
Further, described second collecting unit 430 also for:
After gathering the operation of the second voice messaging of described user from described second voice messaging acquisition interface, after the mark of the payment application of described second voice messaging and described preassignment being bound, be stored into high in the clouds;
To mate before verifying after gathering the operation of first voice messaging of user from described first voice messaging acquisition interface, to described first voice messaging with the second voice messaging pre-set, the second voice messaging that the mark obtaining the payment application of described preassignment from described high in the clouds is bound.
The secure payment device that the present embodiment provides can perform the safe payment method that the embodiment of the present invention one, embodiment two, embodiment three and embodiment four provide, and possesses the corresponding functional module of manner of execution and beneficial effect.
All or part of content in the technical scheme that above embodiment provides can be realized by software programming, and its software program is stored in the storage medium that can read, storage medium such as: the hard disk in computing machine, CD or floppy disk.
Note, above are only preferred embodiment of the present invention and institute's application technology principle.Skilled person in the art will appreciate that and the invention is not restricted to specific embodiment described here, various obvious change can be carried out for a person skilled in the art, readjust and substitute and can not protection scope of the present invention be departed from.Therefore, although be described in further detail invention has been by above embodiment, the present invention is not limited only to above embodiment, when not departing from the present invention's design, can also comprise other Equivalent embodiments more, and scope of the present invention is determined by appended right.
Claims (10)
1. a safe payment method, is characterized in that, comprising:
When detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface;
Described first voice messaging being mated with the second voice messaging pre-set and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
2. the method for claim 1, it is characterized in that, before the first voice messaging acquisition interface is provided, also comprise: when the payment application of installing described preassignment being detected, second voice messaging acquisition interface is provided, gathers second voice messaging of described user from described second voice messaging acquisition interface.
3. method as claimed in claim 2, it is characterized in that, described second voice messaging acquisition interface and described first voice messaging acquisition interface are microphone.
4. method as claimed in claim 2 or claim 3, is characterized in that, when the payment application of installing described preassignment being detected, also comprising: provide mailbox enrollment interface, and receives the mailbox of user's input as confirmation email from described mailbox enrollment interface;
Described first voice messaging is mated with the second voice messaging pre-set verify after also comprise:
When checking is obstructed out-of-date, send identifying code to described confirmation email and identifying code acquisition interface is provided, gather identifying code from described identifying code acquisition interface and verify, if be verified, the payment interface of described payment application is then allowed to open, otherwise, do not allow the payment interface of described payment application to open.
5. method as claimed in claim 2 or claim 3, it is characterized in that, also comprise after gathering the operation of second voice messaging of described user from described second voice messaging acquisition interface: after the mark of the payment application of described second voice messaging and described preassignment being bound, be stored into high in the clouds;
Before mating with the second voice messaging pre-set and verify after described first voice messaging acquisition interface gathers the operation of first voice messaging of user, to described first voice messaging, also comprise:
The second voice messaging that the mark obtaining the payment application of described preassignment from described high in the clouds is bound.
6. a secure payment device, is characterized in that, comprising:
First collecting unit, when detect the payment application to preassignment payment interface open request time, the first voice messaging acquisition interface is provided, gathers first voice messaging of user from described first voice messaging acquisition interface;
Coupling authentication unit, being mated with the second voice messaging pre-set described first voice messaging and verifies, when being verified, allowing the payment interface of described payment application to open, to be paid by described payment interface.
7. device as claimed in claim 6, it is characterized in that, described device also comprises the second collecting unit, for before providing the first voice messaging acquisition interface, when the payment application of installing described preassignment being detected, second voice messaging acquisition interface is provided, gathers second voice messaging of described user from described second voice messaging acquisition interface.
8. device as claimed in claim 7, it is characterized in that, described second voice messaging acquisition interface and described first voice messaging acquisition interface are microphone.
9. device as claimed in claim 7 or 8, it is characterized in that, the first collecting unit also for, when the payment application of installing described preassignment being detected, mailbox enrollment interface is provided, and receives the mailbox of user's input as confirmation email from described mailbox enrollment interface;
Described coupling authentication unit also for, after described first voice messaging mated with the second voice messaging pre-set verifying, when checking is obstructed out-of-date, send identifying code to described confirmation email and identifying code acquisition interface is provided, gather identifying code from described identifying code acquisition interface and verify, if be verified, then allowing the payment interface of described payment application to open, otherwise, do not allow the payment interface of described payment application to open.
10. as claimed in claim 7 or 8 device, is characterized in that, described second collecting unit also for:
After gathering the operation of the second voice messaging of described user from described second voice messaging acquisition interface, after the mark of the payment application of described second voice messaging and described preassignment being bound, be stored into high in the clouds;
To mate before verifying after gathering the operation of first voice messaging of user from described first voice messaging acquisition interface, to described first voice messaging with the second voice messaging pre-set, the second voice messaging that the mark obtaining the payment application of described preassignment from described high in the clouds is bound.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510119415.5A CN104778586A (en) | 2015-03-18 | 2015-03-18 | Safety payment method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510119415.5A CN104778586A (en) | 2015-03-18 | 2015-03-18 | Safety payment method and device |
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| CN104778586A true CN104778586A (en) | 2015-07-15 |
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| CN201510119415.5A Pending CN104778586A (en) | 2015-03-18 | 2015-03-18 | Safety payment method and device |
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Application publication date: 20150715 |