CN105550870B - Method, device and terminal for processing routing strategy - Google Patents

Method, device and terminal for processing routing strategy Download PDF

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CN105550870B
CN105550870B CN201510854625.9A CN201510854625A CN105550870B CN 105550870 B CN105550870 B CN 105550870B CN 201510854625 A CN201510854625 A CN 201510854625A CN 105550870 B CN105550870 B CN 105550870B
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routing
identification information
strategy
module
policy
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CN105550870A (en
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张子敬
路雄博
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/40—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
    • 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
    • G06Q20/40—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
    • 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
    • G06Q20/40—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
    • G06Q20/40145—Biometric identity checks

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Abstract

The embodiment of the invention provides a method, a device and a communication terminal for selecting a routing strategy, wherein the method comprises the following steps: when a security verification module is selected in the mobile payment process, receiving routing identification information; judging whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set or not; and if so, configuring the routing strategy associated with the routing identification information. By adopting the invention, the convenience and the rapidness of the routing strategy configuration can be improved, and the automation and the intellectualization of the routing strategy configuration are realized.

Description

Method, device and terminal for processing routing strategy
Technical Field
The present invention relates to the field of communications technologies, and in particular, to a method, an apparatus, and a terminal for processing a routing policy.
Background
With the continuous development and promotion of science and technology, research and development personnel continuously research and develop and break through the prior art to adapt to the increasing demands of people. Now, developers have developed host-card emulation (HCE) technology implemented in software based on the conventional Security Element (SE) emulation card technology in hardware.
However, in the existing communication terminal compatible with the HCE and the conventional SE schemes, when the terminal payment or routing policy switching is implemented, an application manner of a default card is generally set as a manner of a consumption card, and correspondingly, the terminal defaults to select the conventional SE scheme to jump to a corresponding routing policy and the default consumption card to complete the payment operation. If the user wants to adjust the application mode of the switching card, namely, the routing strategy is switched, the terminal needs to be manually set correspondingly, so that the user operation is increased, and the time and the labor are consumed.
Disclosure of Invention
The technical problem to be solved by the embodiments of the present invention is to provide a method, an apparatus and a terminal for processing a routing policy, which can conveniently and quickly configure the routing policy.
The first aspect of the embodiments of the present invention discloses a method for processing a routing policy, where the method includes:
when a security verification module is selected in the mobile payment process, receiving routing identification information;
judging whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set or not;
and if so, configuring the routing strategy associated with the routing identification information.
Optionally, the method further includes:
searching a routing destination address corresponding to the routing strategy according to the routing strategy associated with the routing identification information;
and communicating according to the searched route destination address and the route strategy.
Optionally, the mobile payment is payment based on near field communication, the preset routing policy set includes at least two near field communication routing policies, and the configuring the routing policy associated with the routing identification information includes:
configuring a routing policy of a near-range communication routing controller as the routing policy associated with the routing identification information.
Optionally, the routing identification information includes one or more of fingerprint information, iris information, sclera information, voice information, and face feature information, and the method further includes:
and associating at least one piece of routing identification information for each routing strategy in a preset routing strategy set.
Optionally, before receiving the routing identification information, the method further includes:
establishing a routing strategy association table according to the association relationship between the routing strategy and the routing selection identification information;
the determining whether a routing policy associated with the received routing identification information exists in a preset routing policy set includes:
searching whether a routing strategy associated with the received routing identification information exists in the routing strategy association table;
and if so, the routing strategy associated with the routing identification information exists.
A second aspect of the embodiments of the present invention discloses a device for processing a routing policy, where the device includes:
the receiving module is used for receiving the routing identification information when the security verification module is selected in the mobile payment process;
a judging module, configured to judge whether a routing policy associated with the routing identification information received by the receiving module exists in a preset routing policy set;
and the configuration module is used for configuring the routing strategy associated with the routing identification information if the judgment result of the judgment module is positive.
Optionally, the apparatus further comprises:
the searching module is used for searching a routing destination address corresponding to the routing strategy according to the routing strategy associated with the routing identification information;
and the communication module is used for communicating according to the routing destination address and the routing strategy searched by the searching module.
Wherein optionally, the mobile payment is payment based on near field communication, the preset routing strategy set comprises at least two near field communication routing strategies,
the configuration module is specifically configured to configure a routing policy of the near-range communication routing controller as the routing policy associated with the routing identification information.
Optionally, the routing identification information includes one or more of fingerprint information, iris information, sclera information, voice information, and face feature information, and the apparatus further includes:
and the association module is used for associating at least one piece of routing identification information for each routing strategy in a preset routing strategy set.
Optionally, the apparatus further comprises:
the establishing module is used for establishing a routing strategy association table according to the association relation between the routing strategy and the routing selection identification information in the associating module;
the judging module is specifically configured to search whether a routing policy associated with the received routing identification information exists in a routing policy association table established by the establishing module; and when the routing strategy is found, notifying the configuration module.
The third aspect of the embodiments of the present invention provides a communication terminal, where the terminal includes the routing policy processing apparatus.
The embodiment of the invention can receive the routing identification information when the security verification module is selected in the mobile payment process, judge whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set, and configure the routing strategy of the routing controller into the routing strategy associated with the routing identification information when judging that the routing strategy associated with the routing identification information exists, thereby improving the convenience and the rapidness of routing strategy configuration, avoiding the manual setting of a switching routing strategy by a user, saving time and labor, and realizing the automation and the intellectualization of routing strategy configuration switching.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic flow chart of a routing policy processing method according to an embodiment of the present invention;
fig. 2 is a schematic flow chart of another routing policy processing method according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a routing policy processing apparatus according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a routing policy processing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a communication terminal according to an embodiment of the present invention.
Detailed Description
The embodiment of the invention provides a display method and a display device of processing results, which can be used for quickly searching keywords and acquiring result information which is most desired by a user, and are simple to operate and high in efficiency.
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," and "third," etc. in the description and claims of the present invention and the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "comprises" and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Referring to fig. 1, a flow chart of a routing policy processing method according to an embodiment of the present invention is schematically shown, and the method according to the embodiment of the present invention may be applied to terminals with communication network functions, such as smart phones, tablet computers, smart wearable devices, and the like, and may be specifically implemented by processors of the communication terminals. The method of embodiments of the present invention further includes the following steps.
S101, receiving routing identification information when a security verification module is selected in the mobile payment process.
In the embodiment of the invention, when a communication terminal detects that transaction information input by a user is legal by using a security verification module built in the terminal in the process of mobile payment (such as electronic account payment and card payment) of the terminal, the communication terminal receives one or more routing identification information used for triggering routing strategies and sent by other terminals or input by the user, can preset a routing strategy set, and associates at least one routing identification information with each routing strategy in the preset routing strategy set.
The security verification module may be configured to verify whether transaction information input by a user is legal, and may also be configured to store data content information (such as user information, transaction information, NFC application information, and the like), and the security verification module may be integrated in a SIM card, an SD card, a built-in chip of a communication terminal, or other components or modules used for integrating the security verification module, which is not limited in the embodiment of the present invention.
The routing identification information includes one or more combinations of fingerprint information, iris information, sclera information, voice information, face feature information, or other biometric feature information, which is not limited in the embodiments of the present invention.
The communication terminal may include a personal computer, a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a palm computer, a Mobile Internet device (MID, Mobile Internet Devices), or a wearable smart device, and the like.
The communication terminal can also pre-establish a routing strategy association table according to the association relationship between the routing strategy and the routing identification information.
Illustratively, a routing policy association table for short-range communications is given in table 1 below.
TABLE 1
Reference numerals Fingerprint data NFC routing policy
1 Fingerprint 1 HCE
2 Fingerprint 2 SWP-SIM
3 Fingerprint 3 SD-NFC
4 Fingerprint 4 HCE>SWP-SIM>SD-NFC
5 Fingerprint 5 SWP-SIM>SD-NFC>HCE
6 Fingerprint 6 SD-NFC>HCE>SWP-SIM
Table 1 above gives an association table in which the routing identification information is fingerprint information and an NFC routing policy, where the HCE is a routing protocol capable of completing a corresponding communication operation on transaction information input by a user on a certain application or server of the communication terminal; the SWP-SIM is a routing protocol which can finish corresponding communication operation on the transaction information input by a user on the SIM card; the SD-NFC is a routing protocol for completing corresponding communication operation on the transaction information input by the user on the SD card; the fingerprint information is different fingerprint information, and may be fingerprint information of different fingers, fingerprint information of the same finger with different recording time durations, or different permutation and combination of a plurality of finger fingerprints, or other fingerprint information used for representing different fingerprint information, and the embodiment of the present invention is not limited.
From table 1, it can be derived that fingerprint 1 is associated with routing policy HCE, fingerprint 2 is associated with routing policy SWP-SIM, and fingerprint 3 is associated with routing policy SD-NFC; that is, when the communication terminal acquires the fingerprint 1, it is possible to find out the routing policy HCE associated with the fingerprint 1 from the routing policy association table. In the association relationship between the fingerprint 4 and the routing strategy HCE, SWP-SIM and SD-NFC, the routing protocol HCE has the highest priority, the routing protocol SWP-SIM is arranged next, and the routing protocol with the lowest priority is SD-NFC; that is, when the communication terminal acquires the fingerprint 4, it can find out the routing policy HCE > SWP-SIM > SD-NFC associated with the fingerprint 4 by looking up the routing policy association table.
S102, judging whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set.
In the embodiment of the present invention, the communication terminal may determine whether a routing policy associated with the routing identification information received in S101 exists in a preset routing policy set; or, the communication terminal searches whether a routing policy associated with the received routing identification information exists in the routing policy table established before S101, and if the routing policy associated with the routing identification information is found, the communication terminal verifies that the routing policy associated with the routing identification information exists.
S103, if the routing strategy associated with the routing identification information exists, the routing strategy associated with the routing identification information is configured.
In this embodiment of the present invention, when it is verified that a routing policy associated with the routing identification information received in S101 exists in the preset routing policy set in S102, the communication terminal configures the routing policy of the routing controller of the communication terminal as the routing policy associated with the routing identification information.
If the mobile payment in S101 is a payment based on proximity communication (e.g., NFC payment), the preset routing policy set includes at least two proximity communication routing policies, and when the communication terminal determines that a routing policy associated with the routing identification information exists in the preset routing policy set, the communication terminal configures the routing policy of the proximity communication controller of the terminal as the routing policy associated with the routing identification information.
For example, in table 1, when the communication terminal acquires the fingerprint 3, the communication terminal determines that the routing policy SD-NFC associated with the fingerprint 3 exists in the preset routing policy set, and then the communication terminal configures the routing policy of the routing controller of the terminal as SD-NFC.
The communication terminal may further search a routing destination address corresponding to the routing policy according to the routing policy associated with the routing identification information, and communicate with the communication terminal according to the searched routing destination address and the routing policy.
In a specific implementation, the communication terminal may update or set a preset communication routing table according to the routing policy associated with the routing identification information, and the communication terminal may find out, in the preset communication routing table, whether there is a routing destination address capable of supporting deployment of the routing protocol according to a priority and a card type of a routing protocol in the routing policy, and if there is a routing destination address, the terminal completes a corresponding payment operation according to the routing protocol and using a card integrated with a security verification module and correspondingly bound to the routing destination address.
The preset communication routing table at least comprises a card type, a communication identifier and a routing destination address; the routing destination address may be a SIM card, an SD card, or an address that can support completion of an application or a server corresponding to the HCE, or other communication routing protocols, and the embodiment of the present invention is not limited.
It should be noted that, the communication terminal usually integrates the security verification module in the routing destination address, that is, the communication terminal usually integrates the security verification module for verifying whether the transaction information input by the user is legal in the SIM card or the SD card of the communication terminal, or in an application or a server corresponding to the HCE, or in other components or modules for integrating the security verification module.
The following description is given by way of an example, a user a holds 3 financial cards, and for payment convenience, the user a binds an agricultural bank card of the user a to an SIM card of a mobile phone a, binds an industrial and commercial bank card to an HCE application (an application capable of supporting completion of HCE), binds a business-recruiting bank card to an SD card of the mobile phone a, and when the user a uses the mobile phone a for payment in a supermarket, enters fingerprint information of the user a as a fingerprint 4, and according to the association relationship between the fingerprint information and a routing policy given in table 1, the mobile phone a can find out a routing policy HCE > SWP-SIM > SD-NFC associated with the fingerprint 4 from table 1, and the mobile phone a configures the routing policy on a routing controller of the terminal as HCE > SWP-SIM > SD-NFC.
The mobile phone a may create a preset AID routing table according to the binding information of the user a to all cards, as shown in table 2 below.
TABLE 2
AID identification Card type Destination address
1 Financial card SIM card
2 Financial card HCE applications
3 Financial card SD card
4 Non-financial card SD card
5 Non-financial card SIM card
The routing controller of the mobile phone a searches for the card type to be a financial card according to the preset AID routing table given in table 2, and has a destination address capable of supporting deployment of a routing protocol HCE with the highest routing protocol priority level, that is, it is verified whether a security verification module (a certain application or a cloud server in the mobile phone a) in the mobile phone a can support the routing protocol HCE, and the routing controller of the mobile phone a in table 2 can search for a destination address "HCE application" corresponding to the AID identifier 2 and capable of supporting deployment of the routing protocol HCE with the highest priority level, and at this time, the routing controller of the mobile phone a completes corresponding payment operation according to the routing protocol HCE and a business bank card bound correspondingly by using the destination address "HCE application".
In the above example, the routing controller of the mobile phone a finds out that the search order in the preset AID routing table given from table 2 is variable, that is, the routing controller of the mobile phone a can search out the destination address meeting the requirement that the card type is a financial card from table 2, and then continuously search out the destination address capable of supporting the HCE with the highest priority of the routing protocol from the destination address meeting the requirement that the card type is a financial card; or, the routing controller of the mobile phone a may first find out, from table 2, the card type corresponding to the destination address that satisfies the HCE that can support the highest priority for deploying the routing protocol, and then continue to find out, from the found card types, the card whose card type is the financial card; or, the card type is found out to be a financial card in table 2, and a destination address capable of supporting the HCE with the highest priority level of the routing protocol is provided; only when the card type is a financial card and a destination address capable of supporting the HCE with the highest priority level of the routing protocol is arranged, and both the two conditions are met, the routing controller of the mobile phone A completes corresponding payment operation according to the routing protocol HCE and the industrial and commercial bank card which is correspondingly bound by using the destination address HCE application.
When the communication terminal cannot find the corresponding card type in a preset communication routing table (such as a preset AID routing table) and can support the routing destination address for deploying the routing protocol in the routing policy, the communication terminal may send a prompt message, where the prompt message is used to prompt the user to re-input routing identification information (such as fingerprint information).
In order to ensure that the communication terminal pays successfully, the communication terminal may also update or set a preset communication routing table according to the routing policy associated with the routing identification information, that is, the communication terminal adds, modifies or deletes information such as a routing destination, a card type or a communication identification, which can support the deployment of the routing protocol, in the preset communication routing table according to the routing protocol in the routing policy associated with the routing identification information.
The embodiment of the invention can receive the routing identification information when the security verification module is selected in the mobile payment process, judge whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set, and configure the routing strategy of the routing controller into the routing strategy associated with the routing identification information when judging that the routing strategy associated with the routing identification information exists, thereby improving the convenience and the rapidness of routing strategy configuration, avoiding the manual setting of a switching routing strategy by a user, saving time and labor, and realizing the automation and the intellectualization of routing strategy configuration switching.
Referring to fig. 2 again, the flow diagram of another routing policy processing method according to the embodiment of the present invention is shown, and the method according to the embodiment of the present invention may be applied to terminals with communication network functions, such as smart phones, tablet computers, smart wearable devices, and the like, and may be specifically implemented by processors of these communication terminals. The method of embodiments of the present invention further includes the following steps.
S201, acquiring one or more routing identification information used for triggering a routing strategy; the routing identification information may include one or more of fingerprint information, iris information, sclera information, voice information, and face feature information.
As shown in table 1, the communication terminal acquires 6 pieces of fingerprint information for triggering a routing policy, where the fingerprint information is different fingerprint information, and may be fingerprint information of different fingers, fingerprint information of the same finger with different entry time durations, or different permutation and combination of multiple finger fingerprints, or other fingerprint information for representing different fingerprints, which is not limited in the embodiment of the present invention.
The routing identification information may include one or more combinations of fingerprint information, iris information, sclera information, voice information, face feature information, or other biometric feature information, which is not limited in the embodiments of the present invention.
S202, associating at least one piece of routing identification information for each routing strategy in a preset routing strategy set.
In the embodiment of the present invention, the communication terminal associates a routing policy with each piece of routing identification information acquired in S201, and as shown in table 1, fingerprint 1 is associated with routing policy HCE, fingerprint 2 is associated with routing policy SWP-SIM, and fingerprint 3 is associated with routing policy SD-NFC.
It should be noted that one routing identification information may be associated with only one routing policy, however, the same routing policy may be associated with one or more routing identification information, that is, one routing policy may have one or more routing identification information.
S203, establishing a routing strategy association table according to the association relationship between the routing strategy and the routing selection identification information.
S204, when the security verification module is selected in the mobile payment process, the routing identification information is received.
In the embodiment of the present invention, when a communication terminal detects that a transaction information input by a user is legal by using a security verification module built in the terminal in a process of performing mobile payment (e.g., electronic account payment or card payment) by the terminal, the communication terminal receives one or more routing identification information used for triggering a routing policy, which is obtained in S201 and sent by another terminal or the user.
The security verification module is configured to verify whether transaction information input by a user is legal, and may also be configured to store data content information (such as user information, transaction information, NFC application information, and the like), where the security verification module may be integrated in a SIM card, an SD card, a built-in chip of a communication terminal, or other components or modules used for integrating the security verification module, and embodiments of the present invention are not limited.
S205, searching whether a routing strategy associated with the received routing identification information exists in the established routing strategy association table.
S206, if the mobile payment is based on the payment of the short-distance communication, and the preset routing strategy set comprises at least two short-distance communication routing strategies, configuring the routing strategy of the short-distance communication routing controller as the routing strategy associated with the routing identification information when the routing strategy associated with the routing identification information exists.
Illustratively, in table 1, when a Communication terminal receives a fingerprint 1, the Communication terminal finds a Near Field Communication (NFC) routing policy HCE associated with the fingerprint 1 in the table 1 routing policy association table, and the Communication terminal switches the routing policy of the routing controller of the Communication terminal to the HCE.
S207, according to the routing strategy associated with the routing identification information, searching a routing destination address corresponding to the routing strategy.
S208, communication is carried out according to the searched route destination address and the route strategy.
To further explain the above-described routing policy processing method, details are specifically described below by way of an example.
The user B binds the agricultural bank card of the user B to the SD card of the mobile phone B, binds the industrial and commercial bank card to the HCE application (an application that can support completion of the HCE) of the mobile phone B, and the mobile phone B can create a preset AID routing table according to the binding information of the user B to all cards, as shown in table 3 below.
TABLE 3
AID identification Card type Destination address
1 Financial card SD card
2 Financial card HCE applications
3 Non-financial card SD card
4 Non-financial card SIM card
Assume that the association relationship between the fingerprint information entered by user B and the routing policy is as shown in table 1 above. Now, when the user B uses the mobile phone B to pay, the user B inputs the fingerprint 3 of the user B, the mobile phone B can find out the routing strategy SD-NFC associated with the fingerprint 3 according to the table 1, the mobile phone B configures the routing strategy on the routing controller of the terminal into SD-NFC, the routing controller of the mobile phone B searches whether the card type is a financial card according to the preset AID routing table given by the table 3, and a destination address can support the deployment of the routing protocol SD-NFC, that is, it is verified whether the security verification module in the mobile phone B can support the routing protocol SD-NFC, and the "SD card" corresponding to the AID identifier 1 can be found out from the table 3 to support the deployment of the routing protocol SD-NFC of the highest priority level, at this time, and the routing controller of the mobile phone B completes corresponding payment operation according to the routing protocol SD-NFC and the agricultural bank card correspondingly bound by the destination address SD card.
If the user B forgets the association relationship between the fingerprint information and the routing strategy, and when the fingerprint 5 is recorded for consumption payment, the mobile phone B can find out the routing strategy SWP-SIM > SD-NFC > HCE associated with the recorded fingerprint 5, and the mobile phone B configures the routing controller of the terminal as SWP-SIM > SD-NFC > HCE. The routing controller of the mobile phone B searches for the card type as a financial card according to the preset AID routing table given in table 3, and a destination address capable of supporting deployment of the "SWP-SIM" with the highest routing protocol priority level exists, and the mobile phone B cannot search for the card type as a financial card and the destination address capable of supporting deployment of the routing protocol "SWP-SIM" in table 2, and then the mobile phone B searches for the card type as a financial card from table 3 and can support deployment of the destination address of the second priority level routing protocol "SD-NFC". From table 3, the routing controller of the mobile phone B can find out that the destination address "SD-NFC" corresponding to the AID identifier 1 can support deployment of the routing protocol SD-NFC of the highest priority level, and at this time, the mobile phone B completes corresponding payment operation according to the routing protocol "SD-NFC" and the agricultural bank card correspondingly bound by using the destination address SD card.
When the communication terminal cannot find a routing destination address which has a corresponding card type and can support the deployment of a routing protocol in the routing policy in a preset communication routing table (such as a preset AID routing table), the communication terminal may send a prompt message, where the prompt message is used to prompt a user to re-input routing identification information (such as fingerprint information).
In order to ensure that the communication terminal pays successfully, the communication terminal may also update or set a preset communication routing table according to the routing policy associated with the routing identification information, that is, the communication terminal adds, modifies or deletes information such as a routing destination, a card type or a communication identification, which can support the deployment of the routing protocol, in the preset communication routing table according to the routing protocol in the routing policy associated with the switching identification.
The embodiment of the invention can receive the routing identification information when the security verification module is selected in the mobile payment process, judge whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set, and configure the routing strategy of the routing controller into the routing strategy associated with the routing identification information when judging that the routing strategy associated with the routing identification information exists, thereby improving the convenience and the rapidness of routing strategy configuration, avoiding the manual setting of a switching routing strategy by a user, saving time and labor, and realizing the automation and the intellectualization of routing strategy configuration switching.
The following describes in detail a routing policy processing apparatus according to an embodiment of the present invention.
Referring to fig. 3, a schematic structural diagram of a routing policy processing apparatus according to an embodiment of the present invention is shown, where the apparatus according to the embodiment of the present invention may be disposed in a terminal with a communication network function, such as a smart phone, a tablet computer, and a smart wearable device, and the apparatus 3 may specifically include the following modules.
A receiving module 30, configured to receive routing identification information when a security verification module is selected in a mobile payment process;
a determining module 31, configured to determine whether a routing policy associated with the routing identifier information received by the receiving module 30 exists in a preset routing policy set;
a configuring module 32, configured to configure the routing policy associated with the routing identifier information if the determining module 31 determines that the routing policy associated with the routing identifier information exists.
The routing identification information may include one or more combinations of fingerprint information, iris information, sclera information, voice information, face feature information, or other biometric feature information, which is not limited in the embodiments of the present invention.
In the embodiment of the present invention, when the receiving module 30 selects the security verification module in the mobile payment process, it receives one or more routing identifier information used for triggering a routing policy, which is sent by another terminal or a user, and the determining module 31 determines whether a routing policy associated with the routing identifier information received by the receiving module 30 exists in a preset routing policy set, and if the determining module 31 determines that a routing policy associated with the routing identifier information exists in the preset routing policy set, the configuring module 32 configures the routing policy on the routing controller of the terminal as the routing policy associated with the routing policy received by the receiving module 30 and existing in the preset routing policy set determined by the determining module 31.
The embodiment of the invention can receive the routing identification information when the security verification module is selected in the mobile payment process, judge whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set, and configure the routing strategy of the routing controller into the routing strategy associated with the routing identification information when judging that the routing strategy associated with the routing identification information exists, thereby improving the convenience and the rapidness of routing strategy configuration, avoiding the manual setting of a switching routing strategy by a user, saving time and labor, and realizing the automation and the intellectualization of routing strategy configuration switching.
It should be noted that, when performing routing policy processing setting, the routing policy processing apparatus provided in the foregoing embodiment only exemplifies the division of the above functional modules, and in practical applications, the above function allocation may be completed by different functional modules according to needs, that is, the internal structure of the mobile communication terminal is divided into different functional modules, so as to complete all or part of the described functions. In addition, the routing policy processing apparatus provided in the foregoing embodiment and the routing policy processing method provided in the embodiment of the present invention and provided in fig. 1 belong to the same concept, and details of a specific implementation process thereof are referred to in the method embodiment and are not described herein again.
Referring to fig. 4 again, it is a schematic structural diagram of a routing policy processing apparatus according to an embodiment of the present invention, the apparatus according to an embodiment of the present invention may be disposed in a terminal with a communication network function, such as a smart phone, a tablet computer, a smart wearable device, and the like, and the apparatus 4 includes a receiving module 30, a determining module 31, and a configuration module 32 in the foregoing embodiment.
Further optionally, in an embodiment of the present invention, the apparatus may further include:
the searching module 33 is configured to search, according to the routing policy associated with the routing identification information, a routing destination address corresponding to the routing policy;
a communication module 34, configured to perform communication according to the routing destination address and the routing policy found by the finding module 33.
Further optionally, if the mobile payment is a payment based on short-range communication, the preset routing policy set includes at least two short-range communication routing policies,
the configuring module 32 is specifically configured to configure the routing policy of the near-range communication routing controller as the routing policy associated with the routing identifier information when the determining module 31 determines that the routing policy associated with the routing identifier information exists.
Further optionally, in an embodiment of the present invention, the routing identification information includes one or more combinations of fingerprint information, iris information, sclera information, voice information, and face feature information, and the apparatus further includes:
an associating module 35, configured to associate at least one piece of routing identification information for each routing policy in a preset routing policy set.
Further optionally, in the embodiment of the present invention, the apparatus may further include an establishing module 36, configured to establish a routing policy association table according to an association relationship between the routing policy and the routing identification information in the associating module 35;
the determining module 31 is specifically configured to search, from the routing policy association table established by the establishing module 36, whether a routing policy associated with the received routing identification information exists; when a routing policy is found, the configuration module 32 is notified.
It should be noted that, when performing routing policy processing setting, the routing policy processing apparatus provided in the foregoing embodiment only exemplifies the division of the above functional modules, and in practical applications, the above function allocation may be completed by different functional modules according to needs, that is, the internal structure of the mobile communication terminal is divided into different functional modules, so as to complete all or part of the described functions. In addition, the routing policy processing apparatus provided in the foregoing embodiment and the routing policy processing method provided in the another embodiment of the present invention and provided in fig. 2 belong to the same concept, and details of a specific implementation process thereof are referred to in the method embodiment and are not described herein again.
The embodiment of the invention can receive the routing identification information when the security verification module is selected in the mobile payment process, judge whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set, and configure the routing strategy of the routing controller into the routing strategy associated with the routing identification information when judging that the routing strategy associated with the routing identification information exists, thereby improving the convenience and the rapidness of routing strategy configuration, avoiding the manual setting of a switching routing strategy by a user, saving time and labor, and realizing the automation and the intellectualization of routing strategy configuration switching.
In order to better implement the above-mentioned scheme of the embodiment of the present invention, the present invention also provides a related terminal for implementing the above-mentioned scheme cooperatively. The following describes in detail a schematic structural diagram of a mobile terminal according to the present invention shown in fig. 5:
the mobile terminal 50 may include: an input device 500, an output device 501, a memory 502, and a processor 503 (the number of processors 503 in the network device may be one or more, and one processor is taken as an example in fig. 5). In some embodiments of the present invention, the input device 500, the output device 501, the memory 502 and the processor 503 may be connected by a bus or other means, wherein fig. 5 illustrates the connection by the bus.
The processor 503 may be configured to call the data updating program stored in the memory 502, and perform the following steps:
when a security verification module is selected in the mobile payment process, receiving routing identification information;
judging whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set or not;
and if so, configuring the routing strategy associated with the routing identification information.
In this embodiment of the present invention, the processor 503 may be configured to call a data update program stored in the memory 502, and may further perform the following steps:
searching a routing destination address corresponding to the routing strategy according to the routing strategy associated with the routing identification information;
and communicating according to the searched route destination address and the route strategy.
In this embodiment of the present invention, the processor 503 may be configured to call a data update program stored in the memory 502, and may further perform the following steps:
and if the mobile payment is based on the payment of the near field communication, and the preset routing strategy set comprises at least two near field communication routing strategies, configuring the routing strategy of the near field communication routing controller as the routing strategy associated with the routing identification information when the routing strategy associated with the routing identification information exists.
In this embodiment of the present invention, the processor 503 may be configured to call a data update program stored in the memory 502, and may further perform the following steps:
and associating at least one piece of routing identification information for each routing strategy in a preset routing strategy set.
In this embodiment of the present invention, the processor 503 may be configured to call a data update program stored in the memory 502, and may further perform the following steps:
establishing a routing strategy association table according to the association relationship between the routing strategy and the routing selection identification information;
searching whether a routing strategy associated with the received routing identification information exists in the routing strategy association table;
and if so, the routing strategy associated with the routing identification information exists.
The embodiment of the invention can receive the routing identification information when the security verification module is selected in the mobile payment process, judge whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set, and configure the routing strategy of the routing controller into the routing strategy associated with the routing identification information when judging that the routing strategy associated with the routing identification information exists, thereby improving the convenience and the rapidness of routing strategy configuration, avoiding the manual setting of a switching routing strategy by a user, saving time and labor, and realizing the automation and the intellectualization of routing strategy configuration switching.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
The steps in the method of the embodiment of the invention can be sequentially adjusted, combined and deleted according to actual needs.
The units in the device of the embodiment of the invention can be merged, divided and deleted according to actual needs. Those skilled in the art may combine or combine features of different embodiments and features of different embodiments described in this specification.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by hardware, firmware, or a combination thereof. When implemented in software, the functions described above may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a computer. Taking this as an example but not limiting: the computer-readable medium may include Random Access Memory (RAM), Read-Only Memory (ROM), electrically erasable Programmable Read-Only Memory (EEPROM), Compact Disc Read-on Memory (CD-ROM) or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. Furthermore, the method is simple. Any connection is properly termed a computer-readable medium. For example, if software is transmitted from a website, a server, or other remote source using a coaxial cable, a fiber optic cable, a twisted pair, a Digital Subscriber Line (DSL), or wireless technologies such as infrared, radio, and microwave, the coaxial cable, the fiber optic cable, the twisted pair, the DSL, or the wireless technologies such as infrared, radio, and microwave are included in the fixation of the medium. Disk and disc, as used herein, includes Compact Disc (CD), laser disc, optical disc, Digital Versatile Disc (DVD), floppy Disk and blu-ray disc where disks usually reproduce data magnetically, while discs reproduce data optically with lasers. Combinations of the above should also be included within the scope of computer-readable media.
In short, the above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (11)

1. A method of selecting a routing policy, the method comprising:
when a security verification module is selected in the mobile payment process, receiving routing identification information input by a user, wherein the routing identification information comprises one or more combinations of fingerprint information, iris information, sclera information, voice information and face feature information;
judging whether a routing strategy associated with the received routing identification information exists in a preset routing strategy set or not;
and if so, configuring the routing strategy associated with the routing identification information.
2. The method of claim 1, wherein the method further comprises:
searching a routing destination address corresponding to the routing strategy according to the routing strategy associated with the routing identification information;
and communicating according to the searched route destination address and the route strategy.
3. The method of claim 1, wherein the mobile payment is a close range communication-based payment, the preset set of routing policies includes at least two close range communication routing policies, and the configuring the routing policy associated with routing identification information includes:
configuring a routing policy of a near-range communication routing controller as the routing policy associated with the routing identification information.
4. The method of claim 1, wherein the method further comprises:
and associating at least one piece of routing identification information for each routing strategy in a preset routing strategy set.
5. The method of claim 4, wherein prior to said receiving routing identification information, the method further comprises:
establishing a routing strategy association table according to the association relationship between the routing strategy and the routing selection identification information;
the determining whether a routing policy associated with the received routing identification information exists in a preset routing policy set includes:
searching whether a routing strategy associated with the received routing identification information exists in the routing strategy association table;
and if so, the routing strategy associated with the routing identification information exists.
6. An apparatus for selecting a routing policy, the apparatus comprising:
the receiving module is used for receiving routing identification information input by a user when the security verification module is selected in the mobile payment process, wherein the routing identification information comprises one or more combinations of fingerprint information, iris information, sclera information, voice information and face feature information;
a judging module, configured to judge whether a routing policy associated with the routing identification information received by the receiving module exists in a preset routing policy set;
and the configuration module is used for configuring the routing strategy associated with the routing identification information if the judgment result of the judgment module is positive.
7. The apparatus of claim 6, wherein the apparatus further comprises:
the searching module is used for searching a routing destination address corresponding to the routing strategy according to the routing strategy associated with the routing identification information;
and the communication module is used for communicating according to the routing destination address and the routing strategy searched by the searching module.
8. The apparatus of claim 6, wherein the mobile payment is a close range communication-based payment, wherein at least two close range communication routing policies are included in the preset set of routing policies,
the configuration module is specifically configured to configure a routing policy of the near-range communication routing controller as the routing policy associated with the routing identification information.
9. The apparatus of claim 6, wherein the apparatus further comprises:
and the association module is used for associating at least one piece of routing identification information for each routing strategy in a preset routing strategy set.
10. The apparatus of claim 9, wherein the apparatus further comprises:
the establishing module is used for establishing a routing strategy association table according to the association relation between the routing strategy and the routing selection identification information in the associating module;
the judging module is specifically configured to search whether a routing policy associated with the received routing identification information exists in a routing policy association table established by the establishing module; and when the routing strategy is found, notifying the configuration module.
11. A communication terminal, characterized in that the terminal comprises a routing policy handling means according to any of claims 6 to 10.
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