CN106157008A - A kind of intelligent terminal's safe payment method - Google Patents
A kind of intelligent terminal's safe payment method Download PDFInfo
- Publication number
- CN106157008A CN106157008A CN201610501368.5A CN201610501368A CN106157008A CN 106157008 A CN106157008 A CN 106157008A CN 201610501368 A CN201610501368 A CN 201610501368A CN 106157008 A CN106157008 A CN 106157008A
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- information
- payment
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- intelligent terminal
- management server
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- 238000000034 method Methods 0.000 title claims abstract description 21
- 238000004891 communication Methods 0.000 claims abstract description 25
- 238000003860 storage Methods 0.000 claims abstract description 16
- 230000006399 behavior Effects 0.000 claims description 2
- 230000000977 initiatory effect Effects 0.000 abstract description 6
- 241000700605 Viruses Species 0.000 description 3
- 238000012795 verification Methods 0.000 description 2
- 238000013475 authorization Methods 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
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 238000009434 installation Methods 0.000 description 1
- 230000014759 maintenance of location Effects 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
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Storage Device Security (AREA)
Abstract
The invention provides a kind of intelligent terminal's safe payment method.The method is provided with safety information management server, is used for storing payment collector information；Intelligent terminal has communication unit, memorizer, communication unit is connected with safety information management server communication, after the payment request that intelligent terminal for reception is initiated to third party, with safety information management server communication, third-party information as comprised in the payment request that third party initiates is consistent with an information in the payment collector information stored in safety information management server, complete to pay by operation intelligent terminal, third-party information as comprised in the payment request that third party initiates is inconsistent with the payment collector information of storage in safety information management server, payment is cancelled by operation intelligent terminal.The method method of the present invention can carry out safety certification to the third party's information initiating payment request, can preferably be protected the fund security of user by the means of payment of certification.
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.In order to ensure that the account of user provides
Gold is in safe state on intelligent terminal and the Internet, generally needs Client-initiated is paid request in payment process
Verify, to determine whether this payment request is the risk trade maliciously initiated, thus avoid risk trade to cause user to damage
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 intelligent terminal's safe payment method, the method can be to initiating the 3rd of payment request
Side's information carries out safety certification, can preferably be protected the fund security of user by the means of payment of certification.
The present invention solves above-mentioned technical problem and be the technical scheme is that a kind of intelligent terminal's safe payment method, if
It is equipped with safety information management server, is used for storing payment collector information；Intelligent terminal has communication unit, memorizer, communication unit
Unit is connected with safety information management server communication, after the payment request that intelligent terminal for reception to third party is initiated, believes with safety
Breath management server communication, the third-party information comprised in the payment request that third party is initiated and safety information management service
The payment collector information stored in device compares, such as the third-party information comprised in the payment request that third party initiates and safety
An information in the payment collector information stored in information management server is consistent, completes to pay by operation intelligent terminal, as
The third-party information comprised in the payment request that third party initiates and the payment collector letter of storage in safety information management server
Cease inconsistent, cancel payment by operation intelligent terminal.
In the program, need to safety information management server to be authenticated and standby as initiating payment request third party
Case, through certification with put on record, it is possible to supervise third party, user to by certification and put on record Third-party payment time,
Can preferably protect the fund security of user；If third-party information is not recognized through safety information management server
Demonstrate,proving and put on record, user can abandon this transaction.
Further, described payment collector information includes white list information and black list information, if third-party information is with white
An information in list information is consistent, completes to pay, such as third-party information and black list information by operation intelligent terminal
In an information consistent, cancel payment by operation intelligent terminal.
Also include that empowerment management unit, described memorizer include the first memory area and the second memory area, all storages
Software or application in the first memory area need to obtain the mandate of empowerment management unit, the software of the payment request that third party initiates
Or application memory is in the first memory area, the operating system of intelligent terminal is stored in the second memory area, and what third party initiated pays
Take the software of request or apply by communication unit and the mutual payment information of Correspondent Node.The program memorizer to intelligent terminal
It is managed, the software or application that can initiate payment information is individually managed, it is provided with the first independent storage
Region, and, these can be initiated the third party software of payment information or apply in installation for the first time or write the first storage
During region, needing the mandate through empowerment management unit, empowerment management unit can represent in the way of an application, pacifies needs
Dress or the write software of the first memory area or application are managed, therefore, for the software in the first memory area or
Application is the safest, even if the situations such as poisoning occurs in intelligent terminal, software or application in the first memory area are also phases
To safety, therefore, the program can be when intelligent terminal be poisoned, it is to avoid the risk operations by mistake paid, protection
The fund security of user.The authorization method of empowerment management unit is fingerprint recognition mandate or password identification mandate, weighs administrative unit
There is the function of empowerment management, it is desirable to fingerprint or the password of typing user is in advance, when needs authorize, only input user
Time consistent with preset fingerprint or preset password, the behavior that request could be allowed to authorize obtains and authorizes.
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.
Described intelligent terminal is smart mobile phone or panel computer.
Compared with prior art, the invention has the beneficial effects as follows:
1, the method for payment of the present invention can carry out safety certification to the third party's information initiating payment request, propping up by certification
The mode of paying can preferably protect the fund security of user.
2, 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 intelligent terminal's safe payment method of the present embodiment, is provided with safety information management server, is used for storing
Payment collector information；Intelligent terminal has communication unit, memorizer, and communication unit is connected with safety information management server communication,
After the payment request that intelligent terminal for reception is initiated to third party, with safety information management server communication, third party is initiated
The third-party information comprised in payment request compares with the payment collector information of storage in safety information management server, as
The third-party information comprised in the payment request that third party initiates and the payment collector letter of storage in safety information management server
An information in breath is consistent, completes to pay by operation intelligent terminal, as the payment request that third party initiates comprises the
The information of tripartite is inconsistent with the payment collector information of storage in safety information management server, is cancelled by operation intelligent terminal and propping up
Pay.
For ease of management and identification, described payment collector information includes white list information and black list information, as third-party
Information is consistent with an information in white list information, completes to pay, if third-party information is with black by operation intelligent terminal
An information in list information is consistent, cancels payment by operation intelligent terminal.
As the further improvement of above-described embodiment, also include that empowerment management unit, described memorizer include 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.
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 (5)
1. intelligent terminal's safe payment method, it is characterised in that be provided with safety information management server, is used for storing
Payment collector information；Intelligent terminal has communication unit, memorizer, and communication unit is connected with safety information management server communication,
After the payment request that intelligent terminal for reception is initiated to third party, with safety information management server communication, third party is initiated
The third-party information comprised in payment request compares with the payment collector information of storage in safety information management server, as
The third-party information comprised in the payment request that third party initiates and the payment collector letter of storage in safety information management server
An information in breath is consistent, completes to pay by operation intelligent terminal, as the payment request that third party initiates comprises the
The information of tripartite is inconsistent with the payment collector information of storage in safety information management server, is cancelled by operation intelligent terminal and propping up
Pay.
A kind of intelligent terminal's safe payment method the most according to claim 1, it is characterised in that described payment collector information
Including white list information and black list information, as third-party information is consistent with an information in white list information, by behaviour
Complete to pay as intelligent terminal, as third-party information is consistent with an information in black list information, by operation intelligence eventually
End cancels payment.
A kind of intelligent terminal's safe payment method the most according to claim 2, it is characterised in that also include empowerment management
Unit, 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 software of the payment request that third party initiates or application memory are in the first memory block
Territory, the operating system of intelligent terminal is stored in the second memory area, and software or the application of the payment request that third party initiates are passed through
Communication unit and the mutual payment information of Correspondent Node.
A kind of intelligent terminal's safe payment method the most according to claim 3, it is characterised in that described intelligent terminal with
After safety information management server communication, the third-party information comprised in the payment request third party of acquisition initiated stores
In the first memory area, and the white list information and the black list information that arrange according to safety information management server are classified,
After the payment request that intelligent terminal for reception is initiated to third party, first carry out with the third-party information that stores in the first memory area
Relatively, in the first memory area in the case of the information of no third side, then compare with safety information management server communication
Relatively.
A kind of intelligent terminal's safe payment method the most according to claim 3, it is characterised in that described in be stored in first
Memory area initiate the software of payment information or application has to be different from and is stored in the software of the second memory area or application
Display mark；Third-party application, when reading the information of software or the application stored in the first memory area, need to obtain mandate pipe
The mandate of reason unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610501368.5A CN106157008A (en) | 2016-06-30 | 2016-06-30 | A kind of intelligent terminal's safe payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610501368.5A CN106157008A (en) | 2016-06-30 | 2016-06-30 | A kind of intelligent terminal's safe payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106157008A true CN106157008A (en) | 2016-11-23 |
Family
ID=57350304
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610501368.5A Pending CN106157008A (en) | 2016-06-30 | 2016-06-30 | A kind of intelligent terminal's safe payment method |
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| Country | Link |
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| CN (1) | CN106157008A (en) |
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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2016
- 2016-06-30 CN CN201610501368.5A patent/CN106157008A/en active Pending
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|---|---|---|---|---|
| CN101034448A (en) * | 2006-03-08 | 2007-09-12 | 株式会社NRNeT | Payment system using prepaid-type terminals and method thereof |
| JP2010186405A (en) * | 2009-02-13 | 2010-08-26 | Sii Data Service Kk | Apparatus, program, method and system for transferring point |
| CN103778528A (en) * | 2012-10-26 | 2014-05-07 | 华为技术有限公司 | Payment processing method, payment processing system and payment processing device |
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| WO2018170817A1 (en) * | 2017-03-23 | 2018-09-27 | 李卓希 | Electronic payment method and system |
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Application publication date: 20161123 |
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