CN107274174A - The auth method and mobile terminal of a kind of mobile payment - Google Patents
The auth method and mobile terminal of a kind of mobile payment Download PDFInfo
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- CN107274174A CN107274174A CN201710353475.2A CN201710353475A CN107274174A CN 107274174 A CN107274174 A CN 107274174A CN 201710353475 A CN201710353475 A CN 201710353475A CN 107274174 A CN107274174 A CN 107274174A
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- 238000000034 method Methods 0.000 title claims abstract description 60
- 230000006399 behavior Effects 0.000 claims description 90
- 238000011017 operating method Methods 0.000 claims description 12
- 230000003542 behavioural effect Effects 0.000 claims description 8
- 230000006870 function Effects 0.000 claims description 8
- 238000012545 processing Methods 0.000 claims description 7
- 230000036760 body temperature Effects 0.000 claims description 6
- 230000008569 process Effects 0.000 abstract description 27
- 238000012544 monitoring process Methods 0.000 abstract description 8
- 230000007123 defense Effects 0.000 abstract description 7
- 230000008859 change Effects 0.000 description 8
- 230000000694 effects Effects 0.000 description 5
- 230000001133 acceleration Effects 0.000 description 4
- 238000012795 verification Methods 0.000 description 4
- 230000004087 circulation Effects 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000006835 compression Effects 0.000 description 1
- 238000007906 compression Methods 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000006073 displacement reaction Methods 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 239000011800 void material Substances 0.000 description 1
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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
- G06Q20/38—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
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The embodiment of the present application discloses the auth method and mobile terminal of a kind of mobile payment, this method obtains the characteristic information of user's current operation behavior by sensor, and matched with the behavior checking information of default validated user, only when the match is successful, mobile payment instruction just can be performed by exempting from close mode, pass through the technical scheme proposed using the embodiment of the present application, the characteristic information dynamic monitoring user identity according to the operation behavior of active user can be realized, move payment process, especially exempt from the active defense of close mobile payment process, improve the security of mobile payment process, especially in the case where mobile terminal is lost, can be by the form of Proactive authentication identity, ensure mobile payment, especially exempt from the fund security of close payment process.
Description
Technical field
The application is related to mobile payment field, the auth method and mobile terminal of more particularly to a kind of mobile payment.
Background technology
Online payment is a kind of form of e-payment, and it is the payment interface between bank provided by third party
The pay down mode of progress, this mode, which is advantageous in that, directly fund to be transferred accounts to website from the bank card of user
In account, remittance arrives account at once, it is not necessary to manual confirmation.Credit card, stored value card, electronics branch can be used between client and businessman
The a variety of electronic payment modes such as ticket and electronic cash carry out online payments, using saving transaction by the way of online e-payment
Expense.
Mobile payment is also referred to as mobile-phone payment, exactly allows user using its mobile terminal (being typically mobile phone) to being consumed
Commodity or service carry out account payment a kind of method of service.Unit or individual pass through mobile device, internet or low coverage
Directly or indirectly payment instruction is sent from sensing to bank finance mechanism and produces currency Zhi Fuyu fund displacement behaviors, so as to realize
Mobile payment function.Mobile payment blends terminal device, internet, application provider and financial institution, is that user carries
The financial business such as coin of supplying is paid, payment.
With the rise of development and the mobile shopping of intelligent mobile terminal, mobile payment is more and more general on intelligent mobile terminal
Time, some exempt from key payments using apk in order to pursue convenient (drop drop, excellent step, Alipay, Jingdone district etc.) and provide, and greatly facilitate use
Family is used.
Applicant has found during the application is realized, the problem of above-mentioned existing processing scheme at least has following：
Due to mobile payment, especially exempt from substantial amounts of identity information verification operation during key is paid and be all based on intelligent mobile
Terminal is realized, once intelligent mobile terminal is lost, the safety of user's fund just has greater risk.
As can be seen here, how dynamic monitoring user identity carries out active defense, it is to avoid user's monetary losses, becomes in order to urgently
To be solved the problem of.
The content of the invention
The embodiment of the present application provides a kind of auth method and mobile terminal of mobile payment, to realize according to current use
The characteristic information dynamic monitoring user identity of the operation behavior at family, moves payment process, especially exempts from close mobile payment
The active defense of process, improves the security of mobile payment process, especially in the case where mobile terminal is lost, can pass through
The form of Proactive authentication identity, it is ensured that mobile payment, especially exempts from the fund security of close payment process.
In order to reach above-mentioned technical purpose, this application provides a kind of auth method of mobile payment, applied to bag
In the mobile terminal for including sensor, methods described is specifically included：
The characteristic information of user's current operation behavior is obtained by sensor；
The characteristic information of the current operation behavior is matched with the behavior checking information of default validated user；
If current matching result is the match is successful, when receiving mobile payment instruction, then held by exempting from close mode
The row mobile payment is indicated.
It is preferred that, the characteristic information of the user's current operation behavior got by sensor, and default conjunction
In the behavior checking information of method user, corresponding at least includes one or more in following information：
The dynamics information of pressing operation is carried out to physical button and/or virtual key；
The frequency information of pressing operation is carried out to physical button and/or virtual key；
The sliding trace information of slide is carried out on the touchscreen；
Content input is carried out by the combination of multiple operating procedures, or the order of each operating procedure during function triggering is believed
Breath；
The information of strong hand and/or usual finger when operating the mobile terminal；
When user is in different conditions, the spatial positional information of the mobile terminal；
User's body temperature information as measured by contacting the mobile terminal；
User's heart rate and/or pulse information as measured by contacting the mobile terminal.
It is preferred that, the behavior checking information of the characteristic information by the current operation behavior and default validated user
After being matched, in addition to：
If current matching result is it fails to match, when receiving mobile payment instruction, then user is pointed out to carry out close
Code checking, and after being verified, perform the mobile payment and indicate.
It is preferred that, the behavior checking information of the default validated user is specifically included：
The behavior checking information for the validated user being introduced directly into；And/or,
When it is validated user to confirm active user, by learning the behavioural information of active user, the legal use updated
The behavior checking information at family；And/or,
When verifying active user by preset password for validated user, according to input information, the validated user updated
Behavior checking information.
It is preferred that, in same mobile terminal, the behavior checking information of a validated user is preset, or preset respectively
The behavior checking informations of multiple validated users.
On the other hand, present invention also provides a kind of mobile terminal, including sensor, specifically include：
Information management module, the behavior checking information for presetting validated user；
Acquisition module, the characteristic information for obtaining user's current operation behavior by the sensor；
Matching module, for by the characteristic information and described information of the current operation behavior accessed by the acquisition module
The behavior checking information of the default validated user of management module is matched；
Receiving module, is indicated for receiving mobile payment；
Processing module, the matching result for recognizing the matching module, if matching result is the match is successful, described
When receiving module receives mobile payment and indicated, then mobile payment received by the receiving module is performed by exempting from close mode
Indicate.
It is preferred that, the characteristic information of the user's current operation behavior got by sensor, and default conjunction
In the behavior checking information of method user, corresponding at least includes one or more in following information：
The dynamics information of pressing operation is carried out to physical button and/or virtual key；
The frequency information of pressing operation is carried out to physical button and/or virtual key；
The sliding trace information of slide is carried out on the touchscreen；
Content input is carried out by the combination of multiple operating procedures, or the order of each operating procedure during function triggering is believed
Breath；
The information of strong hand and/or usual finger when operating the mobile terminal；
When user is in different conditions, the spatial positional information of the mobile terminal；
User's body temperature information as measured by contacting the mobile terminal；
User's heart rate and/or pulse information as measured by contacting the mobile terminal.
It is preferred that, the processing module is additionally operable to：
If matching result is it fails to match, when the receiving module receives mobile payment instruction, then user is pointed out
Password authentification is carried out, and after being verified, performs the mobile payment received by the receiving module and indicates.
It is preferred that, described information management module, specifically for：
The behavior checking information of default validated user is determined according to the behavior checking information for the validated user being introduced directly into；
And/or,
When it is validated user to confirm active user, by learning the behavioural information of active user, it is default legal to update
The behavior checking information of user；And/or,
When verifying active user by preset password for validated user, according to input information, default validated user is updated
Behavior checking information.
It is preferred that, described information management module, specifically for：
Preset the behavior checking information of a validated user；Or,
The behavior checking information of multiple validated users is preset respectively.
Compared with prior art, the advantageous effects for the technical scheme that the embodiment of the present application is proposed include：
The embodiment of the present application discloses the auth method and mobile terminal of a kind of mobile payment, and this method passes through sensing
Device obtains the characteristic information of user's current operation behavior, and is matched with the behavior checking information of default validated user, only
Have when the match is successful, just can perform mobile payment instruction by exempting from close mode, pass through what is proposed using the embodiment of the present application
Technical scheme, it is possible to achieve according to the characteristic information dynamic monitoring user identity of the operation behavior of active user, move branch
The process of paying, especially exempts from the active defense of close mobile payment process, improves the security of mobile payment process, is especially moving
, can be by the form of Proactive authentication identity, it is ensured that mobile payment in the case of dynamic lost terminal, especially exempt from close payment process
Fund security.
Brief description of the drawings
In order to illustrate more clearly of the technical scheme of the application, the accompanying drawing used required in being described below to embodiment
It is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present application, general for this area
For logical technical staff, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
A kind of schematic flow sheet of the auth method for mobile payment that Fig. 1 is proposed by the embodiment of the present application；
A kind of structural representation for mobile terminal that Fig. 2 is proposed by the embodiment of the present application.
Embodiment
As the application background technology is stated, with the fast development of network payment, especially mobile payment, in order to
Further lifting user easily operating experience, authentication step increasingly becomes to subtracting, or even occurs in that and exempt from close payment, still, by
Realize in exempting from substantial amounts of identity information verification operation in close payment and be all based on intelligent mobile terminal, once intelligent mobile terminal
Lose, the safety of user's fund just has greater risk.
Present inventor is wished by method provided herein, can be carried out actively with dynamic monitoring user identity
Protection, it is to avoid user's monetary losses., can also be by the behavioural characteristic of active user in the case that mobile terminal is lost
User identity is recognized, the security of mobile payment is improved.
As shown in figure 1, a kind of flow signal of the auth method of the mobile payment proposed by the embodiment of the present application
Figure, this method is applied in the mobile terminal for including sensor, and this method is specifically included：
Step S101, the characteristic information by sensor acquisition user's current operation behavior.
It should be noted that in specific application scenarios, the type of sensor can be according to hardware device and scene need
Wait and be adjusted, moreover, sensor obtains the difference of the information content according to it, can be divided into a variety of, accordingly, it is obtained
The content of the characteristic information of the user's current operation behavior taken can also include one or more in herein below：
(1) the dynamics information of pressing operation is carried out to physical button and/or virtual key.
The acquisition of this type of information can be obtained by the sensor of pressure-sensitive class, such as pressure sensor.The information is anti-
What is reflected is strength custom when user carries out button operation.The pressing dynamics of such as key or home keys.
(2) frequency information of pressing operation is carried out to physical button and/or virtual key.
The acquisition of this type of information can be obtained by the sensor of receiving record class or instruction triggers class.The information
What is reflected is speed custom when user carries out button operation.For example when being carried out continuously volume adjusting, volume control key
Compression frequency.
(3) the sliding trace information of slide is carried out on the touchscreen.
The acquisition of this type of information can be obtained by the sensor of receiving record class or touch-control class.The message reflection
Be user carry out touch control operation or track input when operating habit.Such as sliding trace during unlocking screen.
(4) order of the combination progress content input of multiple operating procedures, or each operating procedure during function triggering is passed through
Information.
The acquisition of this type of information can be obtained by the sensor of receiving record class or touch-control class.The message reflection
Be user carry out touch control operation or track input when input habit.Such as stroke order during many stroke word inputs
Deng.
(5) strong hand during the operation mobile terminal and/or the information of usual finger.
The acquisition of this type of information can be by receiving fingerprint class or balanced class (terminal when left hand-held set and right hand-held set
Situations such as horizontal level is all different) sensor obtains, such as fingerprint sensor, gyroscope.The message reflection is
User carries out operating habit during terminal operation.
(6) when user is in different conditions, the spatial positional information of the mobile terminal.
The acquisition of this type of information can position the sensor of class to obtain by reception space, such as acceleration sensing
Device, level meter, gyroscope etc..The message reflection be user carry out handheld terminal when operating habit.Such as sitting and lying, shape of walking
Difference under state holds machine custom.
(7) user's body temperature information as measured by contacting the mobile terminal.
The acquisition of this type of information can be obtained by the sensor of temperature-sensitive class.The message reflection be user's body from
Band attribute.
(8) the user's heart rate and/or pulse information as measured by contacting the mobile terminal.
The acquisition of this type of information can be obtained by shaking class or corresponding sensor special.The message reflection is
User's body carries attribute.
By described above, it can be seen that in the technical scheme that the embodiment of the present application is proposed, adaptable sensor
Species and corresponding parameter huge number, in the case of can be by the information representation user identity such as behavioural characteristic, specifically
The change of sensor type and corresponding parameter type can't influence the protection domain of the application.
Step S102, the behavior checking information of the characteristic information of the current operation behavior and default validated user entered
Row matching.
Firstly, it is necessary to explanation, the behavior checking information of default validated user in step S101 with currently getting
The characteristic information of user's current operation behavior need to be consistent in type, that is, preset the checking information of type-A, then led to
Cross step S101 needs acquisitions is also the characteristic information of type-A, and what is for example preset and obtain is all to physical button and/or void
Intend button and carry out the frequency information of pressing operation, so as to ensure the possibility of matching.
Specifically, the matching operation in this step, is realized especially by following steps：
The behavior of the characteristic information of the current operation behavior and the validated user of default identical information type is verified
Information is contrasted；
Judge whether the variance rate in comparing result is less than default verification threshold；
If it is less, determining that the match is successful, if it is not, then determining that it fails to match.
So the matching operation based on variance rate is mainly the situation in view of user itself operating error, it is to avoid because using
Family in itself small deviation and cause that it fails to match.And the setting of variance rate size can then be adjusted according to precise requirements
It is whole.
Above-mentioned matching process is persistently carried out on backstage, it is thus possible to make intelligent terminal know current use at any time
Whether family is validated user, so as to carry out the authentication of itself.
Carried out it should be noted that above-mentioned matching process is circulation, therefore, step S101 and step S102 are circulations
Carry out, so that, constantly matching result is updated, so as to which user identity is identified in real time.
In view of the embodiment of the present application it is of interest focus on mobile payment field, this is also most crucial in the prior art
Risk point, so, above-mentioned matching result is most important for follow-up mobile payment verification process, it is determined that matching result
Afterwards, if receiving mobile payment instruction, just subsequent treatment can be carried out according to foregoing real-time matching result.
If current matching result is the match is successful, step S103 is performed；
If current matching result is it fails to match, step S104 is performed.
Step S103, mobile payment instruction is received, performing the mobile payment by exempting from close mode indicates.
Step S104, mobile payment instruction is received, point out user to carry out password authentification, and after being verified, perform
The mobile payment is indicated.
Need to illustrate, the behavior checking information of the default validated user mentioned in abovementioned steps S102,
According to the difference of acquiring way, the one or more in following several types are specifically included.
Type one, the behavior checking information for the validated user being introduced directly into.
This type is applied to Data Enter in advance, can shift to an earlier date typing by user or be imported in advance by system.
Type two, confirm active user be validated user when, by learning the behavioural information of active user, updated
The behavior checking information of validated user.
This type is applied to carry out information updating by way of study, can in authentication by rear, according to
The operating habit change at family itself, is learnt, so as to be updated to checking information.
Type three, by preset password verify active user be validated user when, according to input information, what is updated is legal
The behavior checking information of user.
This type is applied to the initiative information renewal that validated user is initiated, can be in authentication by rear, by user
The change of checking information is directly carried out, user is especially changed, or checking information is deposited in the case of an error, by active more
The mode changed, is updated to checking information.
It is further noted that above-mentioned polytype information can be applied in combination, it can also be used alone, so
Change can't influence the protection domain of the application.
In most cases, the mobile terminal input personal effects, therefore, in same mobile terminal, preset one
The behavior checking information of validated user, but simultaneously, the situation of multiple users share terminal, mobile whole at same for convenience
In end, the behavior checking information of multiple validated users can also be preset respectively, and such change can't influence the guarantor of the application
Protect scope.
Compared with prior art, the advantageous effects for the technical scheme that the embodiment of the present application is proposed include：
The embodiment of the present application discloses the auth method and mobile terminal of a kind of mobile payment, and this method passes through sensing
Device obtains the characteristic information of user's current operation behavior, and is matched with the behavior checking information of default validated user, only
Have when the match is successful, just can perform mobile payment instruction by exempting from close mode, pass through what is proposed using the embodiment of the present application
Technical scheme, it is possible to achieve according to the characteristic information dynamic monitoring user identity of the operation behavior of active user, move branch
The process of paying, especially exempts from the active defense of close mobile payment process, improves the security of mobile payment process, is especially moving
, can be by the form of Proactive authentication identity, it is ensured that mobile payment in the case of dynamic lost terminal, especially exempt from close payment process
Fund security.
Below in conjunction with the accompanying drawing in the application, clear, complete description is carried out to the technical scheme in the application, is shown
So, described embodiment is a part of embodiment of the application, rather than whole embodiments.Based on the implementation in the application
Example, the every other embodiment that those of ordinary skill in the art are obtained on the premise of creative work is not made all belongs to
The scope protected in the application.
The technical scheme that the embodiment of the present application is proposed utilizes acceleration transducer set in intelligent terminal, top
Spiral shell instrument, voltage sensitive sensor, heat-sensitive sensor etc., the shake of the pressing key current to user, heartbeat heart rate, right-hand man use
The characteristic information of the operation behaviors such as custom is obtained, and is matched with the checking information of preset in advance, so that, verify user's body
Part, it is determined whether perform mobile payment.
In equipment initialization, or when for the first time using mobile payment function, set guide prompting to create personal use and practise
Used model.
First, user cipher is set, then some common actions are done by prompting, including：It is hand-held static, hand-held editor's text
Word, button screen locking/unblock is hand-held to walk, the operation such as right-hand man's used interchangeably, the sensor such as backstage record acceleration, gyroscope
Shake, angle information, create vertical user model, be used as checking information.
Certainly, during subsequent use, backstage may proceed to carry out Machine self-learning, improve and accurate user model.
During user's use, the data of the sensor such as background acquisition acceleration, gyroscope, with the user having built up
Model is matched, if inconsistent with the feature of user model, then it is assumed that detection user identity changes, it is impossible to exempted from
Close mobile payment operation.
In actual application, if legal change occurs for user identity, it can be deleted by the password that sets before
Existing subscriber's model, sets up new user model, can also set up many set user models (many people share a mobile phone), such to become
Change can't influence the protection domain of the application.
Compared with prior art, the advantageous effects for the technical scheme that the embodiment of the present application is proposed include：
The embodiment of the present application discloses the auth method and mobile terminal of a kind of mobile payment, and this method passes through sensing
Device obtains the characteristic information of user's current operation behavior, and is matched with the behavior checking information of default validated user, only
Have when the match is successful, just can perform mobile payment instruction by exempting from close mode, pass through what is proposed using the embodiment of the present application
Technical scheme, it is possible to achieve according to the characteristic information dynamic monitoring user identity of the operation behavior of active user, move branch
The process of paying, especially exempts from the active defense of close mobile payment process, improves the security of mobile payment process, is especially moving
, can be by the form of Proactive authentication identity, it is ensured that mobile payment in the case of dynamic lost terminal, especially exempt from close payment process
Fund security.
To be illustrated more clearly that scheme that the application previous embodiment is provided, based on the invention structure same with the above method
Think, the embodiment of the present application also proposed a kind of mobile terminal, including sensor, its structural representation as shown in Fig. 2 specific bag
Include：
Information management module 21, the behavior checking information for presetting validated user；
Acquisition module 22, the characteristic information for obtaining user's current operation behavior by the sensor；
Matching module 23, for by the characteristic information of the current operation behavior accessed by the acquisition module 22 with it is described
The behavior checking information of the default validated user of information management module 21 is matched；
Receiving module 24, is indicated for receiving mobile payment；
Processing module 25, when the match is successful for recognizing the matching module 23, shifting is received in the receiving module 24
When dynamic payment is indicated, the mobile payment performed by exempting from close mode received by the receiving module 24 is indicated.
It is preferred that, the characteristic information of the user's current operation behavior got by sensor, and default conjunction
In the behavior checking information of method user, corresponding at least includes one or more in following information：
The dynamics information of pressing operation is carried out to physical button and/or virtual key；
The frequency information of pressing operation is carried out to physical button and/or virtual key；
The sliding trace information of slide is carried out on the touchscreen；
Content input is carried out by the combination of multiple operating procedures, or the order of each operating procedure during function triggering is believed
Breath；
The information of strong hand and/or usual finger when operating the mobile terminal；
When user is in different conditions, the spatial positional information of the mobile terminal；
User's body temperature information as measured by contacting the mobile terminal；
User's heart rate and/or pulse information as measured by contacting the mobile terminal.
It is preferred that, the processing module 25 is additionally operable to：
If the matching result of the matching module 23 receives mobile payment for it fails to match in the receiving module 24
During instruction, then point out user to carry out password authentification, and after being verified, perform the movement received by the receiving module 24
Pay and indicate.
It is preferred that, described information management module 21, specifically for：
The behavior checking information of default validated user is determined according to the behavior checking information for the validated user being introduced directly into；
And/or,
When it is validated user to confirm active user, by learning the behavioural information of active user, it is default legal to update
The behavior checking information of user；And/or,
When verifying active user by preset password for validated user, according to input information, default validated user is updated
Behavior checking information.
It is preferred that, described information management module 21, specifically for：
Preset the behavior checking information of a validated user；Or,
The behavior checking information of multiple validated users is preset respectively.
Compared with prior art, the advantageous effects for the technical scheme that the embodiment of the present application is proposed include：
The embodiment of the present application discloses the auth method and mobile terminal of a kind of mobile payment, and this method passes through sensing
Device obtains the characteristic information of user's current operation behavior, and is matched with the behavior checking information of default validated user, only
Have when the match is successful, just can perform mobile payment instruction by exempting from close mode, pass through what is proposed using the embodiment of the present application
Technical scheme, it is possible to achieve according to the characteristic information dynamic monitoring user identity of the operation behavior of active user, move branch
The process of paying, especially exempts from the active defense of close mobile payment process, improves the security of mobile payment process, is especially moving
, can be by the form of Proactive authentication identity, it is ensured that mobile payment in the case of dynamic lost terminal, especially exempt from close payment process
Fund security.
Through the above description of the embodiments, those skilled in the art can be understood that the embodiment of the present invention
It can be realized by hardware, the mode of necessary general hardware platform can also be added to realize by software.Based on such reason
Solution, the technical scheme of the embodiment of the present invention can be embodied in the form of software product, and the software product can be stored in one
Individual non-volatile memory medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in, including some instructions are to cause a meter
Each implement scene of calculation machine equipment (can be personal computer, server, or network side equipment etc.) the execution embodiment of the present invention
Described method.
It will be appreciated by those skilled in the art that accompanying drawing is a schematic diagram for being preferable to carry out scene, module in accompanying drawing or
Flow is not necessarily implemented necessary to the embodiment of the present invention.
It will be appreciated by those skilled in the art that the module in device in implement scene can be described according to implement scene into
Row is distributed in the device of implement scene, can also carry out one or more dresses that respective change is disposed other than this implement scene
In putting.The module of above-mentioned implement scene can be merged into a module, can also be further split into multiple submodule.
The embodiments of the present invention are for illustration only, and the quality of implement scene is not represented.
Disclosed above is only several specific implementation scenes of the embodiment of the present invention, still, not office of the embodiment of the present invention
It is limited to this, the changes that any person skilled in the art can think of should all fall into the business limitation scope of the embodiment of the present invention.
Claims (10)
1. a kind of auth method of mobile payment, applied in the mobile terminal including sensor, it is characterised in that described
Method is specifically included：
The characteristic information of user's current operation behavior is obtained by sensor；
The characteristic information of the current operation behavior is matched with the behavior checking information of default validated user；
If current matching result is the match is successful, when receiving mobile payment instruction, then institute is performed by exempting from close mode
State mobile payment instruction.
2. the method as described in claim 1, it is characterised in that the user's current operation behavior got by sensor
Characteristic information, and in the behavior checking information of default validated user, including one or more in following information：
The dynamics information of pressing operation is carried out to physical button and/or virtual key；
The frequency information of pressing operation is carried out to physical button and/or virtual key；
The sliding trace information of slide is carried out on the touchscreen；
Pass through the order information of the combination progress content input of multiple operating procedures, or each operating procedure during function triggering；
The information of strong hand and/or usual finger when operating the mobile terminal；
When user is in different conditions, the spatial positional information of the mobile terminal；
User's body temperature information as measured by contacting the mobile terminal；
User's heart rate and/or pulse information as measured by contacting the mobile terminal.
3. the method as described in claim 1, it is characterised in that the characteristic information by the current operation behavior is with presetting
Validated user behavior checking information matched after, in addition to：
If current matching result is it fails to match, when receiving mobile payment instruction, then point out user to carry out password and test
Card, and after being verified, perform the mobile payment and indicate.
4. the method as described in claim 1, it is characterised in that the behavior checking information of the default validated user, specifically
Including：
The behavior checking information for the validated user being introduced directly into；And/or,
When it is validated user to confirm active user, by learning the behavioural information of active user, the validated user updated
Behavior checking information；And/or,
When verifying active user by preset password for validated user, according to input information, the behavior of the validated user updated
Checking information.
5. the method as described in claim 1, it is characterised in that
In same mobile terminal, preset the behavior checking information of a validated user, or preset respectively it is multiple legal
The behavior checking information of user.
6. a kind of mobile terminal, including sensor, it is characterised in that specifically include：
Information management module, the behavior checking information for presetting validated user；
Acquisition module, the characteristic information for obtaining user's current operation behavior by the sensor；
Matching module, for the characteristic information of the current operation behavior accessed by the acquisition module and described information to be managed
The behavior checking information of the default validated user of module is matched；
Receiving module, is indicated for receiving mobile payment；
Processing module, the matching result for recognizing the matching module, if matching result is the match is successful, is received described
When module receives mobile payment instruction, then the mobile payment performed by exempting from close mode received by the receiving module refers to
Show.
7. mobile terminal as claimed in claim 6, it is characterised in that the user's current operation got by sensor
In the characteristic information of behavior, and the behavior checking information of default validated user, corresponding at least includes in following information
One or more：
The dynamics information of pressing operation is carried out to physical button and/or virtual key；
The frequency information of pressing operation is carried out to physical button and/or virtual key；
The sliding trace information of slide is carried out on the touchscreen；
Pass through the order information of the combination progress content input of multiple operating procedures, or each operating procedure during function triggering；
The information of strong hand and/or usual finger when operating the mobile terminal；
When user is in different conditions, the spatial positional information of the mobile terminal；
User's body temperature information as measured by contacting the mobile terminal；
User's heart rate and/or pulse information as measured by contacting the mobile terminal.
8. mobile terminal as claimed in claim 6, it is characterised in that the processing module, is additionally operable to：
If matching result is it fails to match, when the receiving module receives mobile payment instruction, then user is pointed out to carry out
Password authentification, and after being verified, perform the mobile payment received by the receiving module and indicate.
9. mobile terminal as claimed in claim 6, it is characterised in that described information management module, specifically for：
The behavior checking information of default validated user is determined according to the behavior checking information for the validated user being introduced directly into；With/
Or,
When it is validated user to confirm active user, by learning the behavioural information of active user, default validated user is updated
Behavior checking information；And/or,
When verifying active user by preset password for validated user, according to input information, the row of default validated user is updated
For checking information.
10. mobile terminal as claimed in claim 6, it is characterised in that described information management module, specifically for：
Preset the behavior checking information of a validated user；Or,
The behavior checking information of multiple validated users is preset respectively.
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| CN201710353475.2A CN107274174A (en) | 2017-05-18 | 2017-05-18 | The auth method and mobile terminal of a kind of mobile payment |
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