CN106096934A - A kind of communication control method - Google Patents
A kind of communication control method Download PDFInfo
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- CN106096934A CN106096934A CN201610502528.8A CN201610502528A CN106096934A CN 106096934 A CN106096934 A CN 106096934A CN 201610502528 A CN201610502528 A CN 201610502528A CN 106096934 A CN106096934 A CN 106096934A
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- 238000004891 communication Methods 0.000 title claims abstract description 105
- 238000000034 method Methods 0.000 title claims abstract description 33
- 238000012360 testing method Methods 0.000 claims abstract description 4
- 238000007726 management method Methods 0.000 claims description 40
- 230000000977 initiatory effect Effects 0.000 description 4
- 241000700605 Viruses Species 0.000 description 3
- 238000012795 verification Methods 0.000 description 2
- 238000013475 authorization Methods 0.000 description 1
- 230000006399 behavior Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 238000005457 optimization Methods 0.000 description 1
- 231100000572 poisoning Toxicity 0.000 description 1
- 230000000607 poisoning effect Effects 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
- 230000003612 virological effect Effects 0.000 description 1
Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- 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]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
The invention provides a kind of communication control method.The method carries out delivery operation by intelligent terminal, described intelligent terminal has communication unit and communication control unit, communication unit includes mobile comm unit, near field communication unit, wifi communication module, communication control unit tests mobile comm unit, near field communication unit, the communication speed of wifi communication module respectively, according to user, the setting of communication control unit automatically selects one of them and the mutual payment information of Correspondent Node.The program can select preferably communication mode for intelligent terminal automatically according to arranging of user, payment information mutual with Correspondent Node.
Description
Technical field
The present invention relates to moving communicating field, in particular it relates to a kind of mobile payment device and method.
Background technology
Along with the extensive application of the Internet, intelligent terminal and mobile phone app, provide increasing intelligent terminal for people
Transaction, the mode utilizing intelligent terminal to carry out paying has become as the important means of payment of the one in people's daily life.Such as,
Mobile phone app carries out net purchase, manages money matters or transfer accounts when, it is typically necessary user the softest by operating on intelligent terminal
Part or should be used for realize fund from a bill payment give another account payment process.
Intelligent terminal is generally of communication, during utilizing intelligent terminal to pay, and current choosing
Selecting and all manually select, user operation is relatively complicated.
Meanwhile, in order to ensure that the account fund of user is in safe state on intelligent terminal and the Internet, generally exist
Payment process needing, Client-initiated is paid request verify, to determine whether this payment request is the wind maliciously initiated
Danger transaction, thus avoid risk trade to cause user to lose account fund.
At present, relatively conventional payment verification mode is based on information (such as account) and the password representing user identity mostly
Between corresponding relation come validation of payment request.Such as, in a kind of existing payment verification mode, user needs when request pays
Input oneself account and password, or after input account for the first time and password, have only to input the most every time and arrange
Trading password, payment system verify this password with in advance for this account arrange password the most identical, if the same perform
This time pay.Now, by password to paying the checking asked, the fund that can avoid user account is stolen.
But, the existing this means of payment, the third party's information initiating payment request is not carried out safety certification.With
Time, when the intelligent terminal of user is poisoned, the account of user and password can maliciously be stolen, or viral and wooden
Horse can disguise oneself as and can initiate software or the application of payment information, easily allows user maloperation occur, thus causes user account
Fund is the safest.
Summary of the invention
The invention provides a kind of communication control method, the method can arranging automatically for intelligent terminal according to user
Select preferably communication mode, payment information mutual with Correspondent Node.
The present invention solves above-mentioned technical problem and be the technical scheme is that a kind of communication control method, and the method is passed through
Intelligent terminal carries out delivery operation, and described intelligent terminal has communication unit and communication control unit, and communication unit includes mobile
Communication unit, near field communication unit, wifi communication module, communication control unit tests mobile comm unit, near-field communication respectively
Unit, the communication speed of wifi communication module, automatically select one of them with logical according to user to the setting of communication control unit
The mutual payment information in letter opposite end.The program can select preferably communication mode for intelligent terminal automatically according to arranging of user,
Payment information mutual with Correspondent Node.
Specifically, the method to set up of communication control unit is by described user: user sets by communication speed from high to low
Select communication unit.I.e. user priority considers speed, selects fastest communication unit to communicate.
The method to set up of communication control unit is by described user: user sets and selects communication by expenses standard from low to high
Unit.User priority considers expense, selects the minimum or free communication unit of charge to communicate.
The method to set up of communication control unit is by described user: user sets minimum communication connection speed, for being more than
The communication unit of this communication connection speed is selected from low to high by expenses standard.The method user takes into account communication speed and expense
With, in the case of speed meets, select the minimum or free communication unit of charge to communicate.
Further, being additionally provided with safety information management server, be used for storing payment collector information, payment collector information includes
White list information and black list information；Intelligent terminal has memorizer, empowerment management unit, and described memorizer includes the first storage
Region and the second memory area, all softwares being stored in the first memory area or application need to obtain awarding of empowerment management unit
Power, the software of the payment request that third party initiates or application memory are in the first memory area, the operating system storage of intelligent terminal
In the second memory area, software or the application of the payment request that third party initiates are paid with Correspondent Node alternately by communication unit
Information；Communication unit is connected with safety information management server communication, the payment request that intelligent terminal for reception to third party is initiated
After, with safety information management server communication, the third-party information comprised in the payment request that third party is initiated and safety
The payment collector information stored in information management server compares, such as third-party information and a letter in white list information
Breath is consistent, completes to pay by operation intelligent terminal, as consistent with an information in black list information in third-party information or
Inconsistent with the white list information stored in safety information management server, cancel payment by operation intelligent terminal.The program
In, the memorizer of intelligent terminal is managed, the software or application that can initiate payment information is individually managed, to it
It is provided with the first independent memory area, and, these can be initiated the third party software of payment information or apply for the first time
Install or write the first memory area time, need the mandate through empowerment management unit, empowerment management unit can one should
Mode represent, to needing to install or the write software of the first memory area or application are managed, therefore, for the
Software or application in one memory area are the safest, even if there are the situations such as poisoning in intelligent terminal, and the first memory area
Interior software or application are also comparatively safe, and therefore, the program can be when intelligent terminal be poisoned, it is to avoid by mistake
The risk operations paid, the fund security of protection user.The authorization method of empowerment management unit is fingerprint recognition mandate or password
Identifying and authorize, power administrative unit has the function of empowerment management, it is desirable to fingerprint or the password of typing user is to award at needs in advance
Temporary, only when user's input is consistent with preset fingerprint or preset password, the behavior that request could be allowed to authorize obtains and authorizes.With
Time, need to safety information management server to be authenticated and put on record as initiating payment request third party, through certification and standby
Case, it is possible to third party is supervised, user to by certification and put on record Third-party payment time, it is possible to preferably protect use
The fund security at family；If third-party information is not authenticated through safety information management server and puts on record, Yong Huke
To abandon this transaction, specifically, as third-party information is consistent with an information in white list information, by operation intelligence
Terminal complete pay, as consistent with an information in black list information in third-party information or in white list information without standby
Case, cancels payment by operation intelligent terminal.
After described intelligent terminal and safety information management server communication, in the payment request that the third party obtained is initiated
The third-party information comprised is stored in the first memory area, and the white list information arranged according to safety information management server
Classify with black list information, after the payment request that intelligent terminal for reception to third party is initiated, in elder generation and the first memory area
The third-party information of storage compares, and in the first memory area in the case of the information of no third side, then believes with safety
Breath management server communication compares.
Described be stored in the first memory area initiate the software of payment information or application has to be different from and is stored in second
The software of memory area or the display mark of application；The software of third-party application storage in reading the first memory area or application
Information time, the mandate of empowerment management unit need to be obtained.Some virus, it is possible to wooden horse or application are disguised oneself as soft with legal
Part or the icon of applications similar, allow people easily cause maloperation, and in the program, the initiation being stored in the first memory area is propped up
The software of the information of paying or application have the display mark being different from software or the application being stored in the second memory area, the most permissible
The software being stored in the first memory area or application icon add a little lock, or adds other graph-text identifications, show
This application is stored in the first memory area, is safe software or application；And virus or wooden horse camouflage software or should
With the mandate owing to can not obtain empowerment management unit, the position that its source file is installed or write is in the second memory area, no
Having the software of the first memory area or mark that application has, therefore user readily identifies；Meanwhile, the program can enter one
When step control intelligent terminal is poisoned, virus or wooden horse can not write software or application in the first memory area, can not read
The software stored in first memory area or the information of application, it is possible to when intelligent terminal is poisoned, keep away further
Exempt to allow user avoid the risk operations by mistake paid, the fund security of protection user.
Compared with prior art, the invention has the beneficial effects as follows:
1, the method for payment of the present invention can select preferably communication mode for intelligent terminal automatically according to arranging of user, with logical
The mutual payment information in letter opposite end.
2, the method for payment of the present invention can carry out safety certification, by certification to the third party's information initiating payment request
The means of payment can preferably protect the fund security of user.
3, the method for payment of the present invention can allow user avoid paying when intelligent terminal is poisoned by mistake
Risk operations, the fund security of protection user.
Specific embodiment
A kind of communication control method of the present embodiment, the method carries out delivery operation by intelligent terminal, and described intelligence is eventually
End has communication unit and communication control unit, and communication unit includes mobile comm unit, near field communication unit, wifi communication mould
Block, communication control unit tests mobile comm unit, near field communication unit, the communication speed of wifi communication module respectively, according to
User automatically selects one of them and the mutual payment information of Correspondent Node to the setting of communication control unit.
The method to set up of communication control unit is by described user: user sets and selects communication by communication speed from high to low
Unit；Or user sets and selects communication unit by expenses standard from low to high；Or, user sets minimum communication connection speed
Degree, for being selected from low to high by expenses standard more than the communication unit of this communication connection speed.
As the further optimization of the embodiment above, it is additionally provided with safety information management server, is used for storing charge
Side's information, payment collector information includes white list information and black list information；
Intelligent terminal has memorizer, empowerment management unit, and described memorizer includes the first memory area and the second memory area,
All softwares being stored in the first memory area or application need to obtain the mandate of empowerment management unit, and the paying that third party initiates please
Software or the application memory asked are stored in the second memory area, third party in the first memory area, the operating system of intelligent terminal
The software of the payment request initiated or application are by communication unit and the mutual payment information of Correspondent Node；
Communication unit is connected with safety information management server communication, the payment request that intelligent terminal for reception to third party is initiated
After, with safety information management server communication, the third-party information comprised in the payment request that third party is initiated and safety
The payment collector information stored in information management server compares, such as third-party information and a letter in white list information
Breath is consistent, completes to pay by operation intelligent terminal, as consistent with an information in black list information in third-party information or
Inconsistent with the white list information stored in safety information management server, cancel payment by operation intelligent terminal.
After described intelligent terminal and safety information management server communication, in the payment request that the third party obtained is initiated
The third-party information comprised is stored in the first memory area, and the white list information arranged according to safety information management server
Classify with black list information, after the payment request that intelligent terminal for reception to third party is initiated, in elder generation and the first memory area
The third-party information of storage compares, and in the first memory area in the case of the information of no third side, then believes with safety
Breath management server communication compares.
Described be stored in the first memory area initiate the software of payment information or application has to be different from and is stored in second
The software of memory area or the display mark of application；The software of third-party application storage in reading the first memory area or application
Information time, the mandate of empowerment management unit need to be obtained.
In the present embodiment, intelligent terminal is smart mobile phone or panel computer.
As it has been described above, the present invention can preferably be implemented.
Claims (7)
1. a communication control method, it is characterised in that the method carries out delivery operation by intelligent terminal, and described intelligence is eventually
End has communication unit and communication control unit, and communication unit includes mobile comm unit, near field communication unit, wifi communication mould
Block, communication control unit tests mobile comm unit, near field communication unit, the communication speed of wifi communication module respectively, according to
User automatically selects one of them and the mutual payment information of Correspondent Node to the setting of communication control unit.
A kind of communication control method the most according to claim 1, it is characterised in that described user is to communication control unit
Method to set up be: user sets and selects communication unit by communication speed from high to low.
A kind of communication control method the most according to claim 1, it is characterised in that described user is to communication control unit
Method to set up be: user sets and selects communication unit by expenses standard from low to high.
A kind of communication control method the most according to claim 1, it is characterised in that described user is to communication control unit
Method to set up be: user sets minimum communication connection speed, for more than this communication connection speed communication unit by charge
Standard selects from low to high.
A kind of communication control method the most according to claim 1, it is characterised in that be additionally provided with safety information management clothes
Business device, is used for storing payment collector information, and payment collector information includes white list information and black list information；
Intelligent terminal has memorizer, empowerment management unit, and described memorizer includes the first memory area and the second memory area,
All softwares being stored in the first memory area or application need to obtain the mandate of empowerment management unit, and the paying that third party initiates please
Software or the application memory asked are stored in the second memory area, third party in the first memory area, the operating system of intelligent terminal
The software of the payment request initiated or application are by communication unit and the mutual payment information of Correspondent Node；
Communication unit is connected with safety information management server communication, the payment request that intelligent terminal for reception to third party is initiated
After, with safety information management server communication, the third-party information comprised in the payment request that third party is initiated and safety
The payment collector information stored in information management server compares, such as third-party information and a letter in white list information
Breath is consistent, completes to pay by operation intelligent terminal, as consistent with an information in black list information in third-party information or
Inconsistent with the white list information stored in safety information management server, cancel payment by operation intelligent terminal.
A kind of communication control method the most according to claim 5, it is characterised in that described intelligent terminal and safety information
After management server communication, the third-party information comprised in the payment request third party of acquisition initiated is stored in first and deposits
Storage area territory, and according to safety information management server arrange white list information and black list information classify, intelligent terminal
After receiving the payment request that third party initiates, first compare with the third-party information of storage in the first memory area,
In first memory area in the case of the information of no third side, then compare with safety information management server communication.
A kind of communication control method the most according to claim 6, it is characterised in that described in be stored in the first memory area
Initiate the software of payment information or application has the display mark being different from software or the application being stored in the second memory area；
Third-party application, when reading the information of software or the application stored in the first memory area, need to obtain awarding of empowerment management unit
Power.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610502528.8A CN106096934A (en) | 2016-06-30 | 2016-06-30 | A kind of communication control method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610502528.8A CN106096934A (en) | 2016-06-30 | 2016-06-30 | A kind of communication control method |
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| CN106096934A true CN106096934A (en) | 2016-11-09 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2018170817A1 (en) * | 2017-03-23 | 2018-09-27 | 李卓希 | Electronic payment method and system |
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Application publication date: 20161109 |
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