CN104951933A - Security payment method and mobile terminal - Google Patents
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- CN104951933A CN104951933A CN201410111725.8A CN201410111725A CN104951933A CN 104951933 A CN104951933 A CN 104951933A CN 201410111725 A CN201410111725 A CN 201410111725A CN 104951933 A CN104951933 A CN 104951933A
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Abstract
The invention discloses a security payment method. The security payment method is applied to a mobile terminal installed with a payment application program, wherein the payment application program is provided with a first payment process corresponding to the case that the mobile terminal is located in a trusted area, and a second payment process corresponding to the case that the mobile terminal is not located in the trusted area, and the second payment process comprises a security verification step which is not comprised in the first payment process. The method comprises the following steps: when the mobile terminal needs to pay on the basis of the payment application program, obtaining the current position of the mobile terminal; judging whether the current position belongs to a trusted area; if so, paving on the basis of a first payment process; or else, paving on the basis of a second payment process. Meanwhile, the invention further discloses a mobile terminal.
Description
Technical field
The present invention relates to electronic technology field, particularly relate to a kind of safe payment method and mobile terminal.
Background technology
Mobile payment, also referred to as mobile-phone payment, allows user to use mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service exactly.User directly or indirectly sends payment instruction to bank finance mechanism by mobile terminal and produces the behavior of currency Zhi Fuyu capital transfer, thus realizes mobile payment function.Terminal device, internet, application provider and financial institution merge by mobile payment mutually, provide the financial business such as currency payment, payment for user.
Conveniently user carries out mobile payment, and quick payment transaction is operated and gives birth to.When quick payment refers to that user buys commodity, payment application service provider sends mobile phone dynamic password on user mobile phone, and user inputs correct mobile phone dynamic password, can complete payment.
But the present inventor finds that above-mentioned technology at least exists following technical matters:
If lost mobile phone is picked up by lawless person in not clear place by cellphone subscriber accidentally, lawless person then can pay based on quick payment transaction, thus cause economic loss to cellphone subscriber.
Summary of the invention
The present invention by providing a kind of safe payment method and mobile terminal, solves in prior art and is picked up by lawless person in not clear place at lost mobile phone, and lawless person can carry out based on quick payment transaction the technical matters that pays.
On the one hand, the invention provides a kind of safe payment method, be applied in mobile terminal, one payment application is installed in described mobile terminal, described payment application has and is arranged in by the first payment flow corresponding during trust region at described mobile terminal, and is not arranged in described by the second payment flow corresponding during trust region at described mobile terminal, wherein, described second payment flow comprises the safety verification step that described first payment flow does not have, and described method comprises:
When described mobile terminal needs to pay based on described payment application, obtain the current location of described mobile terminal;
Judge whether described current location belongs to described by trust region, obtains a judged result;
When described judged result is for being, pay based on described first payment flow;
When described judged result is no, pay based on described second payment flow.
Preferably, when being provided with satellite navigation module in described mobile terminal, the current location of the described mobile terminal of described acquisition, comprising:
By described satellite navigation module, obtain the current location of described mobile terminal.
Preferably, when described mobile terminal is linked into base station, the current location of the described mobile terminal of described acquisition, comprising:
Receive the broadcast message that described base station issues, and determine the base station cell at the current place of described mobile terminal based on described broadcast message, wherein, described base station cell is the current location of described mobile terminal;
Describedly judge whether described current location belongs to described by trust region, obtains a judged result, comprising:
Judge whether described base station cell is default base station cell, obtains described judged result.
Preferably, when described mobile terminal is connected with router, the current location of the described mobile terminal of described acquisition, comprising:
By described router, obtain the current network protocol IP address of described mobile terminal, wherein, described current IP address is the current location of described mobile terminal;
Describedly judge whether described current location belongs to described by trust region, obtains a judged result, comprising:
Judge whether described current IP address belongs to the default network segment, obtain described judged result.
Preferably, described when described judged result is no, then pay based on described second payment flow, comprising:
When described judged result is no, carries out the safety verification step in described second payment flow, obtain a result;
When described the result is for being, carry out the continuation payment flow process after described safety verification step in described second payment flow;
When described the result is no, stop the continuation payment flow process after described safety verification step of carrying out in described second payment flow.
Preferably, described when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, comprising:
When described judged result is no, obtain Quick Response Code to be verified;
Verify whether described Quick Response Code to be verified is default Quick Response Code, obtains described the result.
Preferably, described when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, comprising:
Obtain less radio-frequency to be verified and know label;
Whether be default less radio-frequency know label, obtain described the result if verifying that described less radio-frequency to be verified knows label.
Preferably, described when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, comprising:
Obtain the positional information to be verified of user's input;
Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
On the other hand, based on same inventive concept, the invention provides a kind of mobile terminal, one payment application is installed in described mobile terminal, described payment application has and is arranged in by the first payment flow corresponding during trust region at described mobile terminal, and is not arranged in described by the second payment flow corresponding during trust region at described mobile terminal, wherein, described second payment flow comprises the safety verification step that described first payment flow does not have, and described mobile terminal comprises:
Acquiring unit, during for needing to pay based on described payment application at described mobile terminal, obtains the current location of described mobile terminal;
Judging unit, for judging whether described current location belongs to described by trust region, obtains a judged result;
Payment unit, for when described judged result is for being, pays based on described first payment flow; When described judged result is no, pay based on described second payment flow.
Preferably, when being provided with satellite navigation module in described mobile terminal, described acquiring unit, comprising:
First acquisition module, for by described satellite navigation module, obtains the current location of described mobile terminal.
Preferably, when described mobile terminal is linked into base station, described acquiring unit, comprising:
Receiver module, for receiving the broadcast message that described base station issues;
Determination module, for determining the base station cell at the current place of described mobile terminal based on described broadcast message, wherein, described base station cell is the current location of described mobile terminal;
Described judging unit, comprising:
First judge module, for judging whether described base station cell is default base station cell, obtains described judged result.
Preferably, when described mobile terminal is connected with router, described acquiring unit, comprising:
Second acquisition module, for passing through described router, obtain the current network protocol IP address of described mobile terminal, wherein, described current IP address is the current location of described mobile terminal;
Described judging unit, comprising:
Second judge module, for judging whether described current IP address belongs to the default network segment, obtains described judged result.
Preferably, described payment unit, comprising:
Authentication module, during for being no in described judged result, carrying out the safety verification step in described second payment flow, obtaining a result;
Carrying out module, for when described the result is for being, carrying out the continuation payment flow process after described safety verification step in described second payment flow;
Stopping module, during for being no at described the result, stopping the continuation payment flow process after described safety verification step of carrying out in described second payment flow.
Preferably, described authentication module, specifically for:
When described judged result is no, obtain Quick Response Code to be verified; Verify whether described Quick Response Code to be verified is default Quick Response Code, obtains described the result.
Preferably, described authentication module, specifically for:
Obtain less radio-frequency to be verified and know label; Whether be default less radio-frequency know label, obtain described the result if verifying that described less radio-frequency to be verified knows label.
Preferably, described authentication module, specifically for:
Obtain the positional information to be verified of user's input; Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
The present invention at least has following technique effect or advantage:
The invention discloses a kind of safe payment method, be applied in mobile terminal, one payment application is installed in described mobile terminal, described payment application has and is arranged in by the first payment flow corresponding during trust region at described mobile terminal, with be not arranged at described mobile terminal described by the second payment flow corresponding during trust region, wherein, described second payment flow comprises the safety verification step that described first payment flow does not have, described method comprises: when described mobile terminal needs pay based on described payment application, obtain the current location of described mobile terminal, judge whether described current location belongs to described by trust region, obtains a judged result, when described judged result is for being, pay based on described first payment flow, when described judged result is no, pay based on described second payment flow.
Due to, mobile terminal detect self current be not in by trust region (such as: the family of cellphone subscriber or work unit) time, the second payment flow adding safety verification step relative to the first payment flow (such as: quick payment flow) is selected to pay, now, even if lawless person obtains the mobile phone dynamic password that payment application service provider sends, also be difficult to by described safety verification step, thus quick payment transaction cannot be carried out, and then ensure that the technique effect that the property of cellphone subscriber does not incur loss.So, present invention efficiently solves in prior art when lost mobile phone in not clear place and picked up by lawless person time, lawless person can carry out quick payment transaction, thus causes the technical matters of economic loss to cellphone subscriber.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is 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 these accompanying drawings.
Fig. 1 is the process flow diagram of safe payment method in the embodiment of the present invention;
Fig. 2 is the structural representation of mobile terminal in the embodiment of the present invention.
Embodiment
The embodiment of the present invention, by providing a kind of safe payment method and mobile terminal, to solve in prior art user mobile phone easily after being obtained by lawless person, and lawless person can carry out based on quick payment transaction the technical matters that pays.
The technical scheme of the embodiment of the present invention is for solving the problems of the technologies described above, and general thought is as follows:
A kind of safe payment method, be applied in mobile terminal, one payment application is installed in mobile terminal, payment application has and is arranged in by the first payment flow corresponding during trust region at mobile terminal, with be not arranged in by the second payment flow corresponding during trust region at mobile terminal, wherein, second payment flow comprises the safety verification step that the first payment flow does not have, method comprises: when mobile terminal needs pay based on payment application, obtains the current location of mobile terminal; Judge whether current location belongs to by trust region, obtain a judged result; When judged result is for being, pay based on the first payment flow; When judged result is no, pay based on the second payment flow.
Due to, mobile terminal detect self current be not in by trust region (such as: the family of cellphone subscriber or work unit) time, the second payment flow adding safety verification step relative to the first payment flow (such as: quick payment flow) is selected to pay, now, even if lawless person obtains the mobile phone dynamic password that payment application service provider sends, also be difficult to by described safety verification step, thus quick payment transaction cannot be carried out, and then ensure that the technique effect that the property of cellphone subscriber does not incur loss.So, present invention efficiently solves in prior art when lost mobile phone in not clear place and picked up by lawless person time, lawless person can carry out quick payment transaction, thus causes the technical matters of economic loss to cellphone subscriber.
For making the object of one embodiment of the invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
First illustrate, the term "and/or" occurred herein, being only a kind of incidence relation describing affiliated partner, can there are three kinds of relations in expression, and such as, A and/or B, can represent: individualism A, exists A and B simultaneously, these three kinds of situations of individualism B.In addition, character "/" herein, general expression forward-backward correlation is to the relation liking a kind of "or".
Embodiment one
A kind of safe payment method of the present embodiment, be applied in mobile terminal, one payment application is installed in described mobile terminal, described payment application has and is arranged in by the first payment flow corresponding during trust region at mobile terminal and is not arranged in by the second payment flow corresponding during trust region at mobile terminal, wherein, the second payment flow comprises the safety verification step that the first payment flow does not have.As shown in Figure 1, described method comprises:
Step S101: when mobile terminal needs to pay based on payment application, obtain the current location of mobile terminal;
Step S102: judge whether current location belongs to by trust region, obtain a judged result;
Step S103: when judged result is for being, pays based on the first payment flow;
Step S104: when judged result is no, pay based on the second payment flow.
For example, described mobile terminal can be mobile terminal, and such as: mobile phone, panel computer etc., for described mobile terminal specifically which kind of mobile terminal, the embodiment of the present invention does not do concrete restriction.
For example, describedly by trust region can be: the family or work unit etc. of user, for described by trust region specifically where, the embodiment of the present invention does not do concrete restriction.
For example, the described trust region that is subject to can by User Defined, such as: after user is successfully completed payment, mobile terminal can provide an interactive interface to user, whether inquiry user is set to by trust region by current for mobile terminal region, if detect, current for mobile terminal region is set to the operation by trust region for determining by user, be then set in the region at current for mobile terminal place by trust region.In addition, describedly can also to be determined by counting user history payment record by trust region, such as: the region at mobile terminal place when each history of acquisition for mobile terminal pays, and the region number of times that identical region occurs being greater than a preset times is set to by trust region, described preset times can be: 5 times, 10 times etc., specifically how many for described preset times, the embodiment of the present invention does not do concrete restriction.
For example, described application program can support quick payment transaction, in concrete payment process, comprise the first payment flow and the second payment flow, wherein, the second payment flow comprises the safety verification step that the first payment flow does not have, herein, specifically comprise which step for described safety verification step, the embodiment of the present invention does not do concrete restriction.When mobile terminal detects that user needs to pay based on described application program, mobile terminal needs to judge whether current position is by trust region; If so, then pay based on the first payment flow; Otherwise, pay based on the second payment flow.
Due to, mobile terminal detect self current be not in by trust region (such as: the family of cellphone subscriber or work unit) time, the second payment flow adding safety verification step relative to the first payment flow (such as: quick payment flow) is selected to pay, now, even if lawless person obtains the mobile phone dynamic password that payment application service provider sends, also be difficult to by described safety verification step, thus quick payment transaction cannot be carried out, and then ensure that the technique effect that the property of cellphone subscriber does not incur loss.So, present invention efficiently solves in prior art when lost mobile phone in not clear place and picked up by lawless person time, lawless person can carry out quick payment transaction, thus causes the technical matters of economic loss to cellphone subscriber.
Optionally, in the present embodiment, when being provided with satellite navigation module in the terminal, step S101, comprising:
By satellite navigation module, obtain the current location of mobile terminal.
For example, described satellite navigation module, comprising:
Support the satellite navigation module of GPS of America (Global Positioning System, GPS); And/or
Support the satellite navigation module of Russia's " GLONASS " navigational system; And/or
Support the satellite navigation module of European " Galileo " navigational system; And/or
Support the satellite navigation module of China's " Big Dipper " navigational system; Etc..
In the present embodiment, mobile terminal can obtain current location by satellite navigation module, and whether current location belongs to by trust region to utilize cartographic information to determine further.
Optionally, in the present embodiment, when mobile terminal is linked into base station, step S101, comprising:
Receive the broadcast message that issues of base station, and based on the base station cell at the current place of broadcast message determination mobile terminal, wherein, base station cell is the current location of mobile terminal;
Now, step S102, comprising:
Judge whether base station cell is default base station cell, obtain judged result.
In the present embodiment, described can be for by trust region: preset the base station cell that base station covers, described default base station cell can be the family of user or the base station cell at place, work place.When mobile terminal determines community, current place for presetting base station cell, can determine that the current location of mobile terminal belongs to by trust region, otherwise, then determine that current location does not belong to by trust region.
Optionally, in the present embodiment, when mobile terminal is connected with router, step S101, comprising:
By router, obtain current IP (Internet Protocol, the procotol) address of mobile terminal, wherein, current IP address is for characterizing the current location of mobile terminal;
Now, step S102, comprising:
Judge whether current IP address belongs to the default network segment, obtain judged result.
In the present embodiment, described by trust region for presetting the network segment, wherein, this default network segment can be the network segment that the network of the network segment that cellphone subscriber's family network is corresponding or cellphone subscriber work unit is corresponding.When determining that the current IP address of mobile terminal belongs to the default network segment, can determine that mobile terminal current location belongs to by trust region, otherwise, then determine that current location does not belong to by trust region.
Optionally, in the present embodiment, step S104, comprising:
When judged result is no, carries out the safety verification step in the second payment flow, obtain a result;
When the result is for being, carries out the continuation payment flow process after safety verification step in the second payment flow, thus completing payment transaction smoothly;
When the result is no, stop the continuation payment flow process after safety verification step of carrying out in the second payment flow, thus stop payment transaction.
For example, described safety verification step, Ke Yiwei: the safety verification step of non-password.Wherein, the safety verification of described non-password, comprising: Quick Response Code checking, face verification, voice print verification, fingerprint authentication, less radio-frequency know label checking etc.
Optionally, in the present embodiment, described when judged result is no, carry out the safety verification step in the second payment flow, obtain a result, comprising:
When judged result is no, obtain Quick Response Code to be verified;
Verify whether Quick Response Code to be verified is default Quick Response Code, obtain the result.
In the present embodiment, described safety verification can be verified for Quick Response Code.User can carry with a Quick Response Code paster, when needs carry out the checking of this Quick Response Code, by this Quick Response Code paster of mobile scanning terminal, thus carries out the safety verification in the second payment flow, and then ensure that the safety of mobile payment.
Optionally, in the present embodiment, described when judged result is no, carry out the safety verification step in the second payment flow, obtain a result, comprising:
Obtain less radio-frequency to be verified and know label;
Whether be default less radio-frequency know label, obtain the result if verifying that less radio-frequency to be verified knows label.
In the present embodiment, described safety verification can know label checking for less radio-frequency, and described less radio-frequency is known label and can be comprised: mass transit card, access card, dining room meal card etc. have the article that less radio-frequency knows label.When needs carry out this less radio-frequency knowledge label checking, by the RFID(Radio Frequency Identification of mobile terminal, radio frequency identification) module obtain less radio-frequency to be verified know label, thus the safety verification step of carrying out in the second payment flow, and then ensure that the safety of mobile payment.Meanwhile, because mass transit card, access card, dining room meal card etc. are the frequent belongings of user, be convenient to the safety verification step that user carries out in the second payment flow, thus ensure that user carries out the convenience of mobile payment.
Optionally, in the present embodiment, described when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, comprising:
Obtain the positional information to be verified of user's input; Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
For example, mobile terminal to user provide one mutual time interface, obtain the positional information to be verified " No. XX, XX street " of user's input, whether mobile terminal checking " No. XX, XX street " belongs to described by trust region, obtains described the result.
In specific implementation process, be in the validated user beyond by trust region, positional information by trust region can be belonged to by safety verification step by input and pay; The lawless person be in beyond by trust region is then difficult to by safety verification step, and then cannot pays.
In the present embodiment, due to using " verifying whether position corresponding to described positional information to be verified belongs to described by trust region " as in the second payment flow safety verification step, thus further increase the security of payment.
Embodiment two
Based on same inventive concept, the embodiment of the present invention provides a kind of mobile terminal, one payment application is installed in described mobile terminal, payment application has and is arranged in by the first payment flow corresponding during trust region at mobile terminal and is not arranged in by the second payment flow corresponding during trust region at mobile terminal, wherein, the second payment flow comprises the safety verification step that the first payment flow does not have.As shown in Figure 2, described mobile terminal comprises:
Acquiring unit 201, during for needing to pay based on payment application at mobile terminal, obtains the current location of mobile terminal;
Judging unit 202, for judging whether current location belongs to by trust region, obtains a judged result;
Payment unit 203, for when judged result is for being, pays based on the first payment flow; When judged result is no, pay based on the second payment flow.
Due to, mobile terminal detect self current be not in by trust region (such as: the family of cellphone subscriber or work unit) time, select the second payment flow adding safety verification step relative to the first payment flow (such as: quick payment flow) to pay.So, efficiently solve in prior art when lost mobile phone in not clear place and picked up by lawless person time, lawless person can carry out quick payment transaction, thus causes the technical matters of economic loss to cellphone subscriber.Achieve when mobile terminal is lost in not clear place and is picked up by lawless person, lawless person is difficult to by described safety verification step, thus cannot carry out quick payment transaction, and then ensure that the technique effect that the property of cellphone subscriber does not incur loss.
Optionally, in the present embodiment, when being provided with satellite navigation module in the terminal, acquiring unit 201, comprising:
First acquisition module, for by satellite navigation module, obtains the current location of mobile terminal.
Optionally, in the present embodiment, when mobile terminal is linked into base station, acquiring unit 201, comprising:
Receiver module, for receiving the broadcast message that base station issues;
Determination module, for the base station cell based on the current place of broadcast message determination mobile terminal, wherein, base station cell is the current location of mobile terminal;
Now, judging unit 202, comprising:
First judge module, for judging whether base station cell is default base station cell, obtains judged result.
Optionally, in the present embodiment, when mobile terminal is connected with router, acquiring unit 201, comprising:
Second acquisition module, for passing through router, obtain the current network protocol IP address of mobile terminal, wherein, current IP address is the current location of mobile terminal;
Now, judging unit 202, comprising:
Second judge module, for judging whether IP address belongs to the default network segment, obtains judged result.
Optionally, in the present embodiment, payment unit 203, comprising:
Authentication module, during for being no in judged result, carrying out the safety verification step in the second payment flow, obtaining a result;
Carrying out module, for when the result is for being, carrying out the continuation payment flow process after safety verification step in the second payment flow;
Stopping module, during for being no at the result, stopping the continuation payment flow process after safety verification step of carrying out in the second payment flow.
Optionally, in the present embodiment, described authentication module, specifically for:
When judged result is no, obtain Quick Response Code to be verified; Verify whether Quick Response Code to be verified is default Quick Response Code, obtain the result.
In the present embodiment, described safety verification can be verified for Quick Response Code.User can carry with a Quick Response Code paster, when needs carry out the checking of this Quick Response Code, by this Quick Response Code paster of mobile scanning terminal, thus carries out the safety verification in the second payment flow, and then ensure that the safety of mobile payment.
Optionally, in the present embodiment, described authentication module, specifically for:
Obtain less radio-frequency to be verified and know label; Whether be default less radio-frequency know label, obtain the result if verifying that less radio-frequency to be verified knows label.
In the present embodiment, described safety verification can know label checking for less radio-frequency, and described less radio-frequency is known label and can be comprised: mass transit card, access card, dining room meal card etc. have the article that less radio-frequency knows label.When needs carry out this less radio-frequency knowledge label checking, by the RFID(Radio Frequency Identification of mobile terminal, radio frequency identification) module obtain less radio-frequency to be verified know label, thus the safety verification step of carrying out in the second payment flow, and then ensure that the safety of mobile payment.Meanwhile, because mass transit card, access card, dining room meal card etc. are the frequent belongings of user, be convenient to the safety verification step that user carries out in the second payment flow, thus ensure that user carries out the convenience of mobile payment.
Optionally, in the present embodiment, described authentication module, specifically for:
Obtain the positional information to be verified of user's input; Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
The mobile terminal introduced due to the present embodiment is for implementing the equipment that in the embodiment of the present invention one, safe payment method adopts, so based on the safe payment method introduced in the embodiment of the present invention, those skilled in the art can understand embodiment and its various version of the mobile terminal of the present embodiment, so introduce no longer in detail in this method how realized in the embodiment of the present invention one for this mobile terminal.As long as those skilled in the art implement the mobile terminal that in the embodiment of the present invention one, safe payment method adopts, all belong to the present invention for protection scope.
Those skilled in the art should understand, embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt the form of complete hardware embodiment, completely software implementation or the embodiment in conjunction with software and hardware aspect.And the present invention can adopt in one or more form wherein including the upper computer program implemented of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code.
The present invention describes with reference to according to the process flow diagram of the method for the embodiment of the present invention, equipment (system) and computer program and/or block scheme.Should understand can by the combination of the flow process in each flow process in computer program instructions realization flow figure and/or block scheme and/or square frame and process flow diagram and/or block scheme and/or square frame.These computer program instructions can being provided to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, making the instruction performed by the processor of computing machine or other programmable data processing device produce device for realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be stored in can in the computer-readable memory that works in a specific way of vectoring computer or other programmable data processing device, the instruction making to be stored in this computer-readable memory produces the manufacture comprising command device, and this command device realizes the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
These computer program instructions also can be loaded in computing machine or other programmable data processing device, make on computing machine or other programmable devices, to perform sequence of operations step to produce computer implemented process, thus the instruction performed on computing machine or other programmable devices is provided for the step realizing the function of specifying in process flow diagram flow process or multiple flow process and/or block scheme square frame or multiple square frame.
Specifically, the computer program instructions that safe payment method in the embodiment of the present invention is corresponding can be stored on the storage mediums such as CD, hard disk, USB flash disk, read by a mobile terminal when the computer program instructions corresponding with safe payment method in storage medium or when being performed, comprise the steps:
When described mobile terminal needs to pay based on described payment application, obtain the current location of described mobile terminal;
Judge whether described current location belongs to described by trust region, obtains a judged result;
When described judged result is for being, pay based on described first payment flow;
When described judged result is no, pay based on described second payment flow.
Optionally, when being provided with satellite navigation module in described mobile terminal, what store in described storage medium obtains the current location of described mobile terminal with step, and corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
By described satellite navigation module, obtain the current location of described mobile terminal.
Optionally, when described mobile terminal is linked into base station, what store in described storage medium obtains the current location of described mobile terminal with step, and corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
Receive the broadcast message that described base station issues, and determine the base station cell at the current place of described mobile terminal based on described broadcast message, wherein, described base station cell is the current location of described mobile terminal;
With step, what store in described storage medium judges whether described current location belongs to described and obtain a judged result by trust region, and corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
Judge whether described base station cell is default base station cell, obtains described judged result.
Optionally, when described mobile terminal is connected with router, what store in described storage medium obtains the current location of described mobile terminal with step, and corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
By described router, obtain the current network protocol IP address of described mobile terminal, wherein, described current IP address is the current location of described mobile terminal;
With step, what store in described storage medium judges whether described current location belongs to described and obtain a judged result by trust region, and corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
Judge whether described current IP address belongs to the default network segment, obtain described judged result.
Optionally, store in described storage medium with step when described judged result is no, then pay based on described second payment flow, corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
When described judged result is no, carries out the safety verification step in described second payment flow, obtain a result;
When described the result is for being, carry out the continuation payment flow process after described safety verification step in described second payment flow;
When described the result is no, stop the continuation payment flow process after described safety verification step of carrying out in described second payment flow.
Optionally, store in described storage medium with step when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
When described judged result is no, obtain Quick Response Code to be verified;
Verify whether described Quick Response Code to be verified is default Quick Response Code, obtains described the result.
Optionally, store in described storage medium with step when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
Obtain less radio-frequency to be verified and know label;
Whether be default less radio-frequency know label, obtain described the result if verifying that described less radio-frequency to be verified knows label.
Optionally, store in described storage medium with step when described judged result is no, carry out the safety verification step in described second payment flow, obtain a result, corresponding computer instruction, being specifically performed in process, specifically comprises the steps:
Obtain the positional information to be verified of user's input;
Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
Although describe the preferred embodiments of the present invention, those skilled in the art once obtain the basic creative concept of cicada, then can make other change and amendment to these embodiments.So claims are intended to be interpreted as comprising preferred embodiment and falling into all changes and the amendment of the scope of the invention.
Obviously, those skilled in the art can carry out various change and modification to the present invention and not depart from the spirit and scope of the present invention.Like this, if these amendments of the present invention and modification belong within the scope of the claims in the present invention and equivalent technologies thereof, then the present invention is also intended to comprise these change and modification.
Claims (16)
1. a safe payment method, be applied in mobile terminal, one payment application is installed in described mobile terminal, described payment application has and is arranged in by the first payment flow corresponding during trust region at described mobile terminal and is not arranged at described mobile terminal described by the second payment flow corresponding during trust region, wherein, described second payment flow comprises the safety verification step that described first payment flow does not have, and described method comprises:
When described mobile terminal needs to pay based on described payment application, obtain the current location of described mobile terminal;
Judge whether described current location belongs to described by trust region, obtains a judged result;
When described judged result is for being, pay based on described first payment flow;
When described judged result is no, pay based on described second payment flow.
2. the method for claim 1, is characterized in that, when being provided with satellite navigation module in described mobile terminal, the current location of the described mobile terminal of described acquisition, comprising:
By described satellite navigation module, obtain the current location of described mobile terminal.
3. the method for claim 1, is characterized in that, when described mobile terminal is linked into base station, the current location of the described mobile terminal of described acquisition, comprising:
Receive the broadcast message that described base station issues, and determine the base station cell at the current place of described mobile terminal based on described broadcast message, wherein, described base station cell is the current location of described mobile terminal;
Describedly judge whether described current location belongs to described by trust region, obtains a judged result, comprising:
Judge whether described base station cell is default base station cell, obtains described judged result.
4. the method for claim 1, is characterized in that, when described mobile terminal is connected with router, the current location of the described mobile terminal of described acquisition, comprising:
By described router, obtain the current network protocol IP address of described mobile terminal, wherein, described current IP address is the current location of described mobile terminal;
Describedly judge whether described current location belongs to described by trust region, obtains a judged result, comprising: judge whether described current IP address belongs to the default network segment, obtain described judged result.
5. the method as described in as arbitrary in Claims 1 to 4, is characterized in that, described when described judged result is no, then pay based on described second payment flow, comprising:
When described judged result is no, carries out the safety verification step in described second payment flow, obtain a result;
When described the result is for being, carry out the continuation payment flow process after described safety verification step in described second payment flow;
When described the result is no, stop the continuation payment flow process after described safety verification step of carrying out in described second payment flow.
6. method as claimed in claim 5, is characterized in that, described when described judged result is no, carries out the safety verification step in described second payment flow, obtains a result, comprising:
When described judged result is no, obtain Quick Response Code to be verified;
Verify whether described Quick Response Code to be verified is default Quick Response Code, obtains described the result.
7. method as claimed in claim 5, is characterized in that, described when described judged result is no, carries out the safety verification step in described second payment flow, obtains a result, comprising:
Obtain less radio-frequency to be verified and know label;
Whether be default less radio-frequency know label, obtain described the result if verifying that described less radio-frequency to be verified knows label.
8. method as claimed in claim 5, is characterized in that, described when described judged result is no, carries out the safety verification step in described second payment flow, obtains a result, comprising:
Obtain the positional information to be verified of user's input;
Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
9. a mobile terminal, one payment application is installed in described mobile terminal, described payment application has and is arranged in by the first payment flow corresponding during trust region at described mobile terminal and is not arranged at described mobile terminal described by the second payment flow corresponding during trust region, wherein, described second payment flow comprises the safety verification step that described first payment flow does not have, and described mobile terminal comprises:
Acquiring unit, during for needing to pay based on described payment application at described mobile terminal, obtains the current location of described mobile terminal;
Judging unit, for judging whether described current location belongs to described by trust region, obtains a judged result;
Payment unit, for when described judged result is for being, pays based on described first payment flow; When described judged result is no, pay based on described second payment flow.
10. mobile terminal as claimed in claim 9, it is characterized in that, when being provided with satellite navigation module in described mobile terminal, described acquiring unit, comprising:
First acquisition module, for by described satellite navigation module, obtains the current location of described mobile terminal.
11. mobile terminals as claimed in claim 9, it is characterized in that, when described mobile terminal is linked into base station, described acquiring unit, comprising:
Receiver module, for receiving the broadcast message that described base station issues;
Determination module, for determining the base station cell at the current place of described mobile terminal based on described broadcast message, wherein, described base station cell is the current location of described mobile terminal;
Described judging unit, comprising:
First judge module, for judging whether described base station cell is default base station cell, obtains described judged result.
12. mobile terminals as claimed in claim 9, it is characterized in that, when described mobile terminal is connected with router, described acquiring unit, comprising:
Second acquisition module, for passing through described router, obtain the current network protocol IP address of described mobile terminal, wherein, described current IP address is the current location of described mobile terminal;
Described judging unit, comprising:
Second judge module, for judging whether described current IP address belongs to the default network segment, obtains described judged result.
13. as arbitrary in claim 9 ~ 12 as described in mobile terminal, it is characterized in that, described payment unit, comprising:
Authentication module, during for being no in described judged result, carrying out the safety verification step in described second payment flow, obtaining a result;
Carrying out module, for when described the result is for being, carrying out the continuation payment flow process after described safety verification step in described second payment flow;
Stopping module, during for being no at described the result, stopping the continuation payment flow process after described safety verification step of carrying out in described second payment flow.
14. mobile terminals as claimed in claim 13, is characterized in that, described authentication module, specifically for:
When described judged result is no, obtain Quick Response Code to be verified; Verify whether described Quick Response Code to be verified is default Quick Response Code, obtains described the result.
15. mobile terminals as claimed in claim 13, is characterized in that, described authentication module, specifically for:
Obtain less radio-frequency to be verified and know label; Whether be default less radio-frequency know label, obtain described the result if verifying that described less radio-frequency to be verified knows label.
16. mobile terminals as claimed in claim 13, is characterized in that, described authentication module, specifically for:
Obtain the positional information to be verified of user's input; Verify whether position corresponding to described positional information to be verified belongs to described by trust region, obtains described the result.
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| CN201410111725.8A CN104951933A (en) | 2014-03-24 | 2014-03-24 | Security payment method and mobile terminal |
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| CN201410111725.8A CN104951933A (en) | 2014-03-24 | 2014-03-24 | Security payment method and mobile terminal |
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