WO2016095403A1 - Wearable device with payment function and method for implementing payment function - Google Patents

Wearable device with payment function and method for implementing payment function Download PDF

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Publication number
WO2016095403A1
WO2016095403A1 PCT/CN2015/078183 CN2015078183W WO2016095403A1 WO 2016095403 A1 WO2016095403 A1 WO 2016095403A1 CN 2015078183 W CN2015078183 W CN 2015078183W WO 2016095403 A1 WO2016095403 A1 WO 2016095403A1
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Prior art keywords
password
input
user
module
payment device
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PCT/CN2015/078183
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French (fr)
Chinese (zh)
Inventor
杨燕
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捷开通讯(深圳)有限公司
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Publication of WO2016095403A1 publication Critical patent/WO2016095403A1/en

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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
    • G06Q20/38—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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • 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
    • 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

Definitions

  • the present invention relates to the field of wearable devices, and in particular, to a wearable device having a payment function and a method for implementing the payment function.
  • card payment When shopping at the mall, card payment has become the mainstream way of paying. At present, the card payment needs to input the corresponding password on the payment device. Since the input of the password on the payment device is insecure, for example, the criminals have done the handwriting on the input password keyboard of the payment device, recorded the password, or was entered when the password was entered. Others see the password, causing the password to leak and the security performance is low.
  • the technical problem to be solved by the present invention is to provide a wearable device having a payment function and a method for implementing the payment function, which can improve the security of payment.
  • the present invention adopts a technical solution to provide a wearable device having a payment function, which includes a receiving module, a prompting module, an input module, and a sending module, which are sequentially connected, and the receiving module is configured to receive the payment device.
  • the input password command request is used; the prompt module is configured to determine whether the input password command request is a malicious request, and if not, the prompt module is further configured to prompt the user to input a password; the input module is configured to provide a password input interface to the user, and the sending module is configured to record
  • the receiving module is connected to the payment device, and sends the password input by the user to the payment device to implement the payment function; the receiving module is further configured to receive the password matching result sent by the payment device; if the password matching result is an error,
  • the prompt module is also used to prompt the user to enter a password.
  • the prompting module is configured to determine whether the input password command request is a malicious request, including:
  • the prompting module is specifically configured to determine whether the user sends a password input instruction request through the payment device;
  • the prompting module prompts the user to enter a password.
  • the prompting module is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold. If the number of times is equal to the threshold, the prompting module prompts the user to stop inputting the password.
  • a wearable device having a payment function, which comprises a receiving module, a prompting module, an input module and a sending module, which are sequentially connected, and the receiving module is configured to receive the payment device.
  • the input password command request is sent;
  • the prompting module is configured to determine whether the input password command request is a malicious request, and if not, the prompt module is further configured to prompt the user to input a password;
  • the input module is configured to provide a password input interface to the user, and the sending module is configured to use
  • the password input by the user is sent to the payment device to implement the payment function.
  • the prompting module is configured to determine whether the input password command request is a malicious request, including:
  • the prompting module is specifically configured to determine whether the user sends a password input instruction request through the payment device;
  • the prompting module prompts the user to enter a password.
  • the receiving module is further configured to receive a password matching result sent by the payment device.
  • the prompting module is also used to prompt the user to input a password.
  • the prompting module is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold. If the number of times is equal to the threshold, the prompting module prompts the user to stop inputting the password.
  • the sending module is further configured to record a connection mode of the receiving module and the payment device, and send the password input by the user to the payment device by using a connection manner.
  • another technical solution adopted by the present invention is to provide a method for implementing a payment function by a wearable device, including:
  • the user is prompted to enter a password and provide a password input interface to the user;
  • determining whether the input password command request is a malicious request includes:
  • the method also includes:
  • the method also includes:
  • the cumulative password matching result is the number of errors, and the number of times is compared with a preset threshold
  • the user is prompted to stop entering the password.
  • the sending the password input by the user to the payment device includes:
  • the invention has the beneficial effects that the present invention is different from the prior art, and the receiving module is configured to receive an input password command request sent by the payment device; the prompting module determines whether the input password command request is a malicious request, and if not, the prompting module The user is prompted to input a password; the input module provides a password input interface to the user, and the sending module is configured to send the password input by the user to the payment device to implement the payment function, thereby improving the security of payment.
  • FIG. 1 is a schematic structural diagram of a wearable device having a payment function according to an embodiment of the present invention
  • FIG. 2 is a schematic diagram of the password input interface shown in FIG. 1;
  • FIG. 3 is a flow chart of a method for implementing a payment function by a wearable device according to an embodiment of the present invention.
  • FIG. 1 is a schematic structural diagram of a wearable device having a payment function according to an embodiment of the present invention.
  • the wearable device 10 includes a receiving module 11, a prompting module 12, an input module 13, and a transmitting module 14, which are sequentially connected.
  • the payment device 20 is connected to the receiving module 11 of the wearable device 10, and the connection mode between the payment device 20 and the wearable device 10 is preferably a Bluetooth connection.
  • one of ordinary skill in the art can fully set the payment device 20 to be connected to the wearable device 10 by other connection methods, such as NFC (Near). Field Communication, short-range wireless communication technology, infrared or ultrasonic connection.
  • the receiving module 11 is configured to receive an input password command request sent by the payment device 20, and the prompting module 12 obtains an input password command request from the receiving module 11, and the prompting module 12 is configured to determine whether the input password command request is a malicious request. If yes, the receiving module 11 disconnects the connection with the payment device 20; if not, the prompting module 11 is further configured to prompt the user to input a password.
  • the prompting module 12 is specifically configured to determine whether the user sends the input password command request through the payment device 20, and if so, the prompting module 12 determines that the input password command request is not a malicious request, and the prompting module 12 prompts the user to input a password; if not, the prompting module 12 judges that the input password command request is a malicious request and ends.
  • the prompting module 12 prompts the user that the payment device 20 requests a connection and inputs a password through a Bluetooth connection. If the user ignores the request, the prompting module 12 determines that the input password command request is a malicious request; if the user confirms that the request is initiated, the prompt is prompted. Module 12 determines that the input password command request is not a malicious request.
  • the input module 13 is configured to provide a password input interface to the user, so that the user inputs a password on the password input interface, as shown in FIG. 2 .
  • the sending module 14 acquires the password input by the user from the input module 13 and transmits the password input by the user to the payment device 20.
  • the sending module 14 is further configured to record that the connection mode of the receiving module and the payment device 20 is a Bluetooth connection, and send the password input by the user to the payment device 20 through the same connection mode (Bluetooth connection).
  • the sending module 14 records the source path of the input password command request, that is, the recording source path is a Bluetooth connection, and prepares a corresponding Bluetooth connection layer or an application layer protocol.
  • the sending module 14 establishes a connection with the payment device 20 through the profile of the Bluetooth.
  • the Bluetooth profile includes the following methods:
  • GAP Generic Access Profile
  • GAP is the basis of other configuration files. It defines a general method for establishing a baseband link between Bluetooth devices. GAP is used to process the discovery and connection process between two devices that are not connected.
  • the service discovery application configuration file (Service Discovery Application Profile, SDAP), SDAP describes how the application uses SDP to discover services on remote devices. Due to GAP requirements, any Bluetooth device should be able to connect to other Bluetooth devices, so SDAP requires that any application should be able to discover what it is connecting to. Available services on other Bluetooth devices;
  • GOEP is used to transfer objects from one device to another.
  • Objects can be arbitrary, for example, objects are pictures, documents or business cards.
  • the payment device 20 receives the password input by the user sent by the sending module 14, and matches the password input by the user. If the password matching result is correct, the payment device 20 pays successfully; if the password matching result is an error, then The payment device 20 sends a password matching result to the receiving module 11.
  • the prompting module 12 obtains the password matching result from the receiving module 11 as an error, and the prompting module 12 is further configured to prompt the user to input the password.
  • the prompting module 12 is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold. If the number of times is equal to the threshold, the prompting module 12 prompts the user to stop inputting the password. Since the bank card locks the card by inputting the wrong password three times a day, the preset threshold is preferably two times.
  • the wearable device 10 is preferably an electronic product such as a wristband or a mobile device.
  • the receiving module 11 is configured to receive an input password command request sent by the payment device 20;
  • the prompting module 12 is configured to determine whether the input password command request is a malicious request, and if not, the prompting module 12 is further used to The user is prompted to input a password;
  • the input module 13 is configured to provide a password input interface to the user, and
  • the sending module 14 is configured to send the password input by the user to the payment device 20 to implement the payment function, thereby avoiding the possibility of the criminal intercepting the password, thereby improving The security of the payment.
  • the present invention also provides a method for implementing a payment function by a wearable device, which is described based on the wearable device 10 described in the above embodiments. As shown in FIG. 3, the method disclosed in this embodiment includes:
  • the wearable device 10 receives an input password instruction request sent by the payment device 20;
  • the wearable device 10 determines whether the input password command request is a malicious request
  • the wearable device 10 prompts the user to input a password, and provides a password input interface to the user;
  • S304 The wearable device 10 sends the password input by the user to the payment device 20;
  • the wearable device 10 receives the password matching result sent by the payment device 20. If the password matching result is incorrect, the wearable device 10 prompts the user to input the password again.
  • the wearable device 10 also records the connection mode in which the wearable device 10 is connected to the payment device 20.
  • the connection mode of the payment device 20 and the wearable device 10 is preferably a Bluetooth connection. In other embodiments, those skilled in the art can completely set the payment device 20 and the wearable device 10 to be connected by other connection methods, such as NFC, infrared or ultrasonic.
  • the wearable device 10 records the source path of the input password command request, that is, the record source path is a Bluetooth connection, and prepares a corresponding Bluetooth connection layer or application layer protocol; the wearable device 10 establishes a connection with the payment device 20 through the Bluetooth profile.
  • the wearable device 10 determines whether the user sends an input password instruction request through the payment device 20, for example, the wearable device 10 determines whether the user passes the payment device 20 by prompting the user "the payment device 20 requests connection and inputting a password through a Bluetooth connection". Send a password request request.
  • the wearable device 10 determines that the input password command request is not a malicious request, and the wearable device 10 prompts the user to input the password, and Provide the user with a password input interface.
  • the wearable device 10 judges that the input password instruction request is a malicious request, and disconnects the connection with the payment device 20.
  • the wearable device 10 sends the password input by the user to the payment device 20 through the same connection mode, that is, the wearable device 10 transmits the password input by the user to the payment device 20 through the Bluetooth connection.
  • the payment device 20 receives the password input by the user sent by the wearable device 10, and matches the password input by the user. If the password matching result is correct, the payment device 20 pays successfully; if the password matching result is an error The payment device 20 sends a password matching result to the wearable device 10.
  • the wearable device 10 also accumulates the number of times the password matching result is an error, and compares the number of times with a preset threshold. If the number of times is equal to the threshold, the wearable device 10 prompts the user to stop inputting the password, and the preset threshold is preferably 2 times.
  • the present invention is configured to receive an input password command request sent by the payment device by the receiving module; the prompting module determines whether the input password command request is a malicious request, and if not, the prompting module prompts the user to input the password; the input module provides the user with the password
  • the password input interface is used by the sending module to send the password input by the user to the payment device to implement the payment function, thereby improving the security of the payment.

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Abstract

A wearable device (10) with a payment function and a method for implementing the payment function. The wearable device (10) comprises a receiving module (11), a prompting module (12), an input module (13) and a sending module (14) that are sequentially connected. The receiving module (11) is used to receive an input password command request sent by a payment device (20). The prompting module (12) is used to determine whether the input password command request is a malicious request; and if not, the prompting module (12) is further used to prompt a user to input a password. The input module (13) is used to provide a password input interface for the user. The sending module (14) is used to send, to the payment device (20), the password input by the user, to implement a payment function. In this way, payment security can be improved.

Description

一种具有支付功能的穿戴设备及其实现支付功能的方法 Wearable device with payment function and method for implementing payment function thereof
【技术领域】[Technical Field]
本发明涉及穿戴设备技术领域，尤其是涉及一种具有支付功能的穿戴设备及其实现支付功能的方法。The present invention relates to the field of wearable devices, and in particular, to a wearable device having a payment function and a method for implementing the payment function.
【背景技术】 【Background technique】
在商城购物消费时，刷卡支付已成为付费的主流方式。目前，刷卡支付需要在支付设备上输入相应的密码，由于在支付设备上输入密码具有不安全性，例如不法分子在支付设备的输入密码键盘做了手脚，记录下密码，或者在输入密码时被旁人看到密码，导致密码泄漏，安全性能低。When shopping at the mall, card payment has become the mainstream way of paying. At present, the card payment needs to input the corresponding password on the payment device. Since the input of the password on the payment device is insecure, for example, the criminals have done the handwriting on the input password keyboard of the payment device, recorded the password, or was entered when the password was entered. Others see the password, causing the password to leak and the security performance is low.
【发明内容】 [Summary of the Invention]
本发明主要解决的技术问题是提供一种具有支付功能的穿戴设备及其实现支付功能的方法，能够提高支付的安全性。The technical problem to be solved by the present invention is to provide a wearable device having a payment function and a method for implementing the payment function, which can improve the security of payment.
为解决上述技术问题，本发明采用的一个技术方案是：提供一种具有支付功能的穿戴设备，其包括依次连接的接收模块、提示模块、输入模块以及发送模块，接收模块用于接收支付设备发送的输入密码指令请求；提示模块用于判断输入密码指令请求是否为恶意请求，若否，则提示模块还用于提示用户输入密码；输入模块用于向用户提供密码输入界面，发送模块用于记录接收模块与支付设备连接的连接方式，并通过连接方式将用户输入的密码发送给支付设备，以实现支付功能；接收模块还用于接收支付设备发送的密码匹配结果；若密码匹配结果为错误，则提示模块还用于提示用户输入密码。In order to solve the above technical problem, the present invention adopts a technical solution to provide a wearable device having a payment function, which includes a receiving module, a prompting module, an input module, and a sending module, which are sequentially connected, and the receiving module is configured to receive the payment device. The input password command request is used; the prompt module is configured to determine whether the input password command request is a malicious request, and if not, the prompt module is further configured to prompt the user to input a password; the input module is configured to provide a password input interface to the user, and the sending module is configured to record The receiving module is connected to the payment device, and sends the password input by the user to the payment device to implement the payment function; the receiving module is further configured to receive the password matching result sent by the payment device; if the password matching result is an error, The prompt module is also used to prompt the user to enter a password.
其中，提示模块用于判断输入密码指令请求是否为恶意请求包括：The prompting module is configured to determine whether the input password command request is a malicious request, including:
提示模块具体用于判断用户是否通过支付设备发送输入密码指令请求；The prompting module is specifically configured to determine whether the user sends a password input instruction request through the payment device;
若是，则提示模块提示用户输入密码。If so, the prompting module prompts the user to enter a password.
其中，提示模块还用于累计密码匹配结果为错误的次数，并将次数与预设的阈值进行比较，若次数等于阈值，则提示模块提示用户停止输入密码。The prompting module is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold. If the number of times is equal to the threshold, the prompting module prompts the user to stop inputting the password.
为解决上述技术问题，本发明采用的另一个技术方案是：提供一种具有支付功能的穿戴设备，其包括依次连接的接收模块、提示模块、输入模块以及发送模块，接收模块用于接收支付设备发送的输入密码指令请求；提示模块用于判断输入密码指令请求是否为恶意请求，若否，则提示模块还用于提示用户输入密码；输入模块用于向用户提供密码输入界面，发送模块用于将用户输入的密码发送给支付设备，以实现支付功能。In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a wearable device having a payment function, which comprises a receiving module, a prompting module, an input module and a sending module, which are sequentially connected, and the receiving module is configured to receive the payment device. The input password command request is sent; the prompting module is configured to determine whether the input password command request is a malicious request, and if not, the prompt module is further configured to prompt the user to input a password; the input module is configured to provide a password input interface to the user, and the sending module is configured to use The password input by the user is sent to the payment device to implement the payment function.
其中，提示模块用于判断输入密码指令请求是否为恶意请求包括：The prompting module is configured to determine whether the input password command request is a malicious request, including:
提示模块具体用于判断用户是否通过支付设备发送输入密码指令请求；The prompting module is specifically configured to determine whether the user sends a password input instruction request through the payment device;
若是，则提示模块提示用户输入密码。If so, the prompting module prompts the user to enter a password.
其中，接收模块还用于接收支付设备发送的密码匹配结果；The receiving module is further configured to receive a password matching result sent by the payment device.
若密码匹配结果为错误，则提示模块还用于提示用户输入密码。If the password matching result is an error, the prompting module is also used to prompt the user to input a password.
其中，提示模块还用于累计密码匹配结果为错误的次数，并将次数与预设的阈值进行比较，若次数等于阈值，则提示模块提示用户停止输入密码。The prompting module is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold. If the number of times is equal to the threshold, the prompting module prompts the user to stop inputting the password.
其中，发送模块还用于记录接收模块与支付设备连接的连接方式，并通过连接方式将用户输入的密码发送给支付设备。The sending module is further configured to record a connection mode of the receiving module and the payment device, and send the password input by the user to the payment device by using a connection manner.
为解决上述技术问题，本发明采用的另一个技术方案是：提供一种穿戴设备实现支付功能的方法，其包括：In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a method for implementing a payment function by a wearable device, including:
接收支付设备发送的输入密码指令请求；Receiving an input password instruction request sent by the payment device;
判断输入密码指令请求是否为恶意请求；Determining whether the input password command request is a malicious request;
若否，则提示用户输入密码，并向用户提供密码输入界面；If not, the user is prompted to enter a password and provide a password input interface to the user;
将用户输入的密码发送给支付设备。Send the password entered by the user to the payment device.
其中，判断输入密码指令请求是否为恶意请求包括：Wherein, determining whether the input password command request is a malicious request includes:
判断用户是否通过支付设备发送输入密码指令请求；Determining whether the user sends a request for inputting a password through the payment device;
若是，则提示用户输入密码。If yes, the user is prompted to enter a password.
其中，方法还包括：Among them, the method also includes:
接收支付设备发送的密码匹配结果；Receiving a password matching result sent by the payment device;
若密码匹配结果错误，则再次提示用户输入密码。If the password matching result is incorrect, the user is prompted again to enter the password.
其中，方法还包括：Among them, the method also includes:
累计密码匹配结果为错误的次数，并将次数与预设的阈值进行比较；The cumulative password matching result is the number of errors, and the number of times is compared with a preset threshold;
若次数等于阈值，则提示用户停止输入密码。If the number of times is equal to the threshold, the user is prompted to stop entering the password.
其中，将用户输入的密码发送给支付设备包括：The sending the password input by the user to the payment device includes:
记录与支付设备连接的连接方式，并通过连接方式将用户输入的密码发送给支付设备。Record the connection method with the payment device, and send the password entered by the user to the payment device through the connection method.
本发明的有益效果是：区别于现有技术的情况，本发明通过接收模块用于接收支付设备发送的输入密码指令请求；提示模块判断输入密码指令请求是否为恶意请求，若否，则提示模块提示用户输入密码；输入模块向用户提供密码输入界面，发送模块用于将用户输入的密码发送给支付设备，以实现支付功能，能够提高支付的安全性。The invention has the beneficial effects that the present invention is different from the prior art, and the receiving module is configured to receive an input password command request sent by the payment device; the prompting module determines whether the input password command request is a malicious request, and if not, the prompting module The user is prompted to input a password; the input module provides a password input interface to the user, and the sending module is configured to send the password input by the user to the payment device to implement the payment function, thereby improving the security of payment.
【附图说明】 [Description of the Drawings]
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。其中：In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Other drawings may also be obtained from those of ordinary skill in the art in light of the inventive work. among them:
图1是本发明一实施例具有支付功能的穿戴设备的结构示意图；1 is a schematic structural diagram of a wearable device having a payment function according to an embodiment of the present invention;
图2是图1所示密码输入界面的示意图；2 is a schematic diagram of the password input interface shown in FIG. 1;
图3是本发明一实施例穿戴设备实现支付功能的方法的流程图。3 is a flow chart of a method for implementing a payment function by a wearable device according to an embodiment of the present invention.
【具体实施方式】【detailed description】
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性的劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without departing from the inventive scope are the scope of the present invention.
请参见图1，图1是本发明一实施例具有支付功能的穿戴设备的结构示意图。如图1所示，本实施例所揭示的穿戴设备10应用于用户在支付设备20上进行支付费用时，用户通过穿戴设备10输入密码。穿戴设备10包括依次连接的接收模块11、提示模块12、输入模块13以及发送模块14。其中，支付设备20与穿戴设备10的接收模块11建立连接，支付设备20与穿戴设备10的连接方式优选为蓝牙连接。在其他实施例中，本领域的普通技术人员完全可以设置支付设备20与穿戴设备10通过其他连接方式连接，例如NFC（Near Field Communication，近距离无线通讯技术）、红外线或者超声波等连接方式。Referring to FIG. 1, FIG. 1 is a schematic structural diagram of a wearable device having a payment function according to an embodiment of the present invention. As shown in FIG. 1 , when the wearable device 10 disclosed in this embodiment is applied to a user to pay a payment on the payment device 20 , the user inputs a password through the wearable device 10 . The wearable device 10 includes a receiving module 11, a prompting module 12, an input module 13, and a transmitting module 14, which are sequentially connected. The payment device 20 is connected to the receiving module 11 of the wearable device 10, and the connection mode between the payment device 20 and the wearable device 10 is preferably a Bluetooth connection. In other embodiments, one of ordinary skill in the art can fully set the payment device 20 to be connected to the wearable device 10 by other connection methods, such as NFC (Near). Field Communication, short-range wireless communication technology, infrared or ultrasonic connection.
在本实施例中，接收模块11用于接收支付设备20发送的输入密码指令请求，提示模块12从接收模块11获取输入密码指令请求，提示模块12用于判断输入密码指令请求是否为恶意请求，若是，则接收模块11断开与支付设备20的连接；若否，则提示模块11还用于提示用户输入密码。其中，提示模块12具体用于判断用户是否通过支付设备20发送输入密码指令请求，若是，则提示模块12判断输入密码指令请求不是恶意请求，提示模块12提示用户输入密码；若否，则提示模块12判断输入密码指令请求是恶意请求，并且结束。例如，提示模块12提示用户“支付设备20通过蓝牙连接方式请求连接并输入密码”，若用户忽略请求，则提示模块12判断输入密码指令请求是恶意请求；若用户确认为主动发起的，则提示模块12判断输入密码指令请求不是恶意请求。In this embodiment, the receiving module 11 is configured to receive an input password command request sent by the payment device 20, and the prompting module 12 obtains an input password command request from the receiving module 11, and the prompting module 12 is configured to determine whether the input password command request is a malicious request. If yes, the receiving module 11 disconnects the connection with the payment device 20; if not, the prompting module 11 is further configured to prompt the user to input a password. The prompting module 12 is specifically configured to determine whether the user sends the input password command request through the payment device 20, and if so, the prompting module 12 determines that the input password command request is not a malicious request, and the prompting module 12 prompts the user to input a password; if not, the prompting module 12 judges that the input password command request is a malicious request and ends. For example, the prompting module 12 prompts the user that the payment device 20 requests a connection and inputs a password through a Bluetooth connection. If the user ignores the request, the prompting module 12 determines that the input password command request is a malicious request; if the user confirms that the request is initiated, the prompt is prompted. Module 12 determines that the input password command request is not a malicious request.
其中，输入模块13用于向用户提供密码输入界面，以使用户在密码输入界面输入密码，如图2所示。发送模块14从输入模块13获取用户输入的密码，并用于将用户输入的密码发送给支付设备20。发送模块14还用于记录接收模块与支付设备20连接的连接方式为蓝牙连接，并通过相同的连接方式（蓝牙连接）将用户输入的密码发送给支付设备20。The input module 13 is configured to provide a password input interface to the user, so that the user inputs a password on the password input interface, as shown in FIG. 2 . The sending module 14 acquires the password input by the user from the input module 13 and transmits the password input by the user to the payment device 20. The sending module 14 is further configured to record that the connection mode of the receiving module and the payment device 20 is a Bluetooth connection, and send the password input by the user to the payment device 20 through the same connection mode (Bluetooth connection).
具体地，发送模块14记录输入密码指令请求的来源路径，即记录来源路径为蓝牙连接，并准备相应的蓝牙连接层或者应用层协议。其中，发送模块14通过蓝牙的profile与支付设备20建立连接，蓝牙的profile包括以下几种方式：Specifically, the sending module 14 records the source path of the input password command request, that is, the recording source path is a Bluetooth connection, and prepares a corresponding Bluetooth connection layer or an application layer protocol. The sending module 14 establishes a connection with the payment device 20 through the profile of the Bluetooth. The Bluetooth profile includes the following methods:
第一种，通过访问配置文件（Generic Access Profile，GAP），GAP为其他配置文件的基础，定义了蓝牙设备间建立基带链路的通用方法，GAP用于处理未连接的两个设备间的发现和建立连接过程；The first, by accessing the configuration file (Generic Access Profile, GAP, GAP is the basis of other configuration files. It defines a general method for establishing a baseband link between Bluetooth devices. GAP is used to process the discovery and connection process between two devices that are not connected.
第二种，服务发现应用配置文件（Service Discovery Application Profile，SDAP），SDAP描述了应用程序如何使用SDP发现远程设备上的服务，由于GAP的要求，任何蓝牙设备都应该能够连接其他蓝牙设备，因此SDAP要求任何应用程序都应该能够发现它要连接的其他蓝牙设备上的可用服务；Second, the service discovery application configuration file (Service Discovery Application Profile, SDAP), SDAP describes how the application uses SDP to discover services on remote devices. Due to GAP requirements, any Bluetooth device should be able to connect to other Bluetooth devices, so SDAP requires that any application should be able to discover what it is connecting to. Available services on other Bluetooth devices;
第三种，通过对象交换配置文件（Generic Object Exchange Profile，GOEP），GOEP用于将对象从一个设备传输到另一设备，对象可以是任意的，例如对象为图片、文档或名片等。Third, through the object exchange configuration file (Generic Object Exchange Profile, GOEP), GOEP is used to transfer objects from one device to another. Objects can be arbitrary, for example, objects are pictures, documents or business cards.
其中，支付设备20接收到发送模块14发送的用户输入的密码，并将利用该用户输入的密码进行匹配，若密码匹配结果为正确，则支付设备20支付成功；若密码匹配结果为错误，则支付设备20发送密码匹配结果给接收模块11。提示模块12从接收模块11获取密码匹配结果为错误，提示模块12还用于提示用户输入密码。此外，提示模块12还用于累计密码匹配结果为错误的次数，并将次数与预设的阈值进行比较，若次数等于阈值，则提示模块12提示用户停止输入密码。由于银行卡一日连续3次内输入错误密码会锁卡，因此预设的阈值优选为2次。The payment device 20 receives the password input by the user sent by the sending module 14, and matches the password input by the user. If the password matching result is correct, the payment device 20 pays successfully; if the password matching result is an error, then The payment device 20 sends a password matching result to the receiving module 11. The prompting module 12 obtains the password matching result from the receiving module 11 as an error, and the prompting module 12 is further configured to prompt the user to input the password. In addition, the prompting module 12 is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold. If the number of times is equal to the threshold, the prompting module 12 prompts the user to stop inputting the password. Since the bank card locks the card by inputting the wrong password three times a day, the preset threshold is preferably two times.
其中，穿戴设备10优选为手环或移动设备等电子产品。The wearable device 10 is preferably an electronic product such as a wristband or a mobile device.
综上所述，本实施例通过接收模块11用于接收支付设备20发送的输入密码指令请求；提示模块12用于判断输入密码指令请求是否为恶意请求，若否，则提示模块12还用于提示用户输入密码；输入模块13用于向用户提供密码输入界面，发送模块14用于将用户输入的密码发送给支付设备20，以实现支付功能，能够避免不法分子截取密码的可能性，进而提高支付的安全性。In summary, the receiving module 11 is configured to receive an input password command request sent by the payment device 20; the prompting module 12 is configured to determine whether the input password command request is a malicious request, and if not, the prompting module 12 is further used to The user is prompted to input a password; the input module 13 is configured to provide a password input interface to the user, and the sending module 14 is configured to send the password input by the user to the payment device 20 to implement the payment function, thereby avoiding the possibility of the criminal intercepting the password, thereby improving The security of the payment.
本发明还提供一种穿戴设备实现支付功能的方法，其基于上述实施例所描述的穿戴设备10进行描述。如图3所示，本实施例所揭示的方法包括：The present invention also provides a method for implementing a payment function by a wearable device, which is described based on the wearable device 10 described in the above embodiments. As shown in FIG. 3, the method disclosed in this embodiment includes:
S301：穿戴设备10接收支付设备20发送的输入密码指令请求；S301: The wearable device 10 receives an input password instruction request sent by the payment device 20;
S302：穿戴设备10判断输入密码指令请求是否为恶意请求；S302: The wearable device 10 determines whether the input password command request is a malicious request;
S303：若否，则穿戴设备10提示用户输入密码，并向用户提供密码输入界面；S303: If not, the wearable device 10 prompts the user to input a password, and provides a password input interface to the user;
S304：穿戴设备10将用户输入的密码发送给支付设备20；S304: The wearable device 10 sends the password input by the user to the payment device 20;
S305：穿戴设备10接收支付设备20发送的密码匹配结果，若密码匹配结果错误，则穿戴设备10再次提示用户输入密码。S305: The wearable device 10 receives the password matching result sent by the payment device 20. If the password matching result is incorrect, the wearable device 10 prompts the user to input the password again.
在S301中，穿戴设备10还记录穿戴设备10与支付设备20连接的连接方式，支付设备20与穿戴设备10的连接方式优选为蓝牙连接。在其他实施例中，本领域的普通技术人员完全可以设置支付设备20与穿戴设备10通过其他连接方式连接，例如NFC、红外线或者超声波等连接方式。In S301, the wearable device 10 also records the connection mode in which the wearable device 10 is connected to the payment device 20. The connection mode of the payment device 20 and the wearable device 10 is preferably a Bluetooth connection. In other embodiments, those skilled in the art can completely set the payment device 20 and the wearable device 10 to be connected by other connection methods, such as NFC, infrared or ultrasonic.
其中，穿戴设备10记录输入密码指令请求的来源路径，即记录来源路径为蓝牙连接，并准备相应的蓝牙连接层或者应用层协议；穿戴设备10通过蓝牙的profile与支付设备20建立连接。The wearable device 10 records the source path of the input password command request, that is, the record source path is a Bluetooth connection, and prepares a corresponding Bluetooth connection layer or application layer protocol; the wearable device 10 establishes a connection with the payment device 20 through the Bluetooth profile.
在S302中，穿戴设备10判断用户是否通过支付设备20发送输入密码指令请求，例如，穿戴设备10通过提示用户“支付设备20通过蓝牙连接方式请求连接并输入密码”来判断用户是否通过支付设备20发送输入密码指令请求。In S302, the wearable device 10 determines whether the user sends an input password instruction request through the payment device 20, for example, the wearable device 10 determines whether the user passes the payment device 20 by prompting the user "the payment device 20 requests connection and inputting a password through a Bluetooth connection". Send a password request request.
在S303中，若否，即用户确认为主动发起“支付设备20通过蓝牙连接方式请求连接并输入密码”，则穿戴设备10判断输入密码指令请求不是恶意请求，穿戴设备10提示用户输入密码，并向用户提供密码输入界面。In S303, if no, that is, the user confirms that the payment device 20 requests the connection and enters the password through the Bluetooth connection mode, the wearable device 10 determines that the input password command request is not a malicious request, and the wearable device 10 prompts the user to input the password, and Provide the user with a password input interface.
若是，即用户忽略“支付设备20通过蓝牙连接方式请求连接并输入密码”，则穿戴设备10判断输入密码指令请求是恶意请求，并且断开与支付设备20的连接。If so, that is, the user ignores "the payment device 20 requests connection by Bluetooth connection and enters a password", the wearable device 10 judges that the input password instruction request is a malicious request, and disconnects the connection with the payment device 20.
在S304中，穿戴设备10通过相同的连接方式将用户输入的密码发送给支付设备20，即穿戴设备10通过蓝牙连接方式将用户输入的密码发送给支付设备20。In S304, the wearable device 10 sends the password input by the user to the payment device 20 through the same connection mode, that is, the wearable device 10 transmits the password input by the user to the payment device 20 through the Bluetooth connection.
在S305中，支付设备20接收到穿戴设备10发送的用户输入的密码，并将利用该用户输入的密码进行匹配，若密码匹配结果为正确，则支付设备20支付成功；若密码匹配结果为错误，则支付设备20发送密码匹配结果给穿戴设备10。In S305, the payment device 20 receives the password input by the user sent by the wearable device 10, and matches the password input by the user. If the password matching result is correct, the payment device 20 pays successfully; if the password matching result is an error The payment device 20 sends a password matching result to the wearable device 10.
穿戴设备10还累计密码匹配结果为错误的次数，并将次数与预设的阈值进行比较，若次数等于阈值，则穿戴设备10提示用户停止输入密码，预设的阈值优选为2次。The wearable device 10 also accumulates the number of times the password matching result is an error, and compares the number of times with a preset threshold. If the number of times is equal to the threshold, the wearable device 10 prompts the user to stop inputting the password, and the preset threshold is preferably 2 times.
综上所述，本发明通过接收模块用于接收支付设备发送的输入密码指令请求；提示模块判断输入密码指令请求是否为恶意请求，若否，则提示模块提示用户输入密码；输入模块向用户提供密码输入界面，发送模块用于将用户输入的密码发送给支付设备，以实现支付功能，能够提高支付的安全性。In summary, the present invention is configured to receive an input password command request sent by the payment device by the receiving module; the prompting module determines whether the input password command request is a malicious request, and if not, the prompting module prompts the user to input the password; the input module provides the user with the password The password input interface is used by the sending module to send the password input by the user to the payment device to implement the payment function, thereby improving the security of the payment.
以上所述仅为本发明的实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformation of the present invention and the contents of the drawings may be directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims (13)

  1. 一种具有支付功能的穿戴设备，其特征在于，所述穿戴设备包括依次连接的接收模块、提示模块、输入模块以及发送模块，所述接收模块用于接收支付设备发送的输入密码指令请求；所述提示模块用于判断所述输入密码指令请求是否为恶意请求，若否，则所述提示模块还用于提示用户输入密码；所述输入模块用于向所述用户提供密码输入界面，所述发送模块用于记录所述接收模块与所述支付设备连接的连接方式，并通过所述连接方式将所述用户输入的密码发送给所述支付设备，以实现支付功能；所述接收模块还用于接收所述支付设备发送的密码匹配结果；若所述密码匹配结果为错误，则所述提示模块还用于提示所述用户输入密码。A wearable device having a payment function, wherein the wearable device includes a receiving module, a prompting module, an input module, and a sending module, which are sequentially connected, and the receiving module is configured to receive a request for inputting a password command sent by the payment device; The prompting module is configured to determine whether the input password instruction request is a malicious request, and if not, the prompting module is further configured to prompt the user to input a password; the input module is configured to provide a password input interface to the user, The sending module is configured to record a connection manner of the receiving module and the payment device, and send the password input by the user to the payment device by using the connection manner to implement a payment function; Receiving a password matching result sent by the payment device; if the password matching result is an error, the prompting module is further configured to prompt the user to input a password.
  2. 根据权利要求1所述的穿戴设备，其特征在于，所述提示模块用于判断所述输入密码指令请求是否为恶意请求包括：The wearable device according to claim 1, wherein the prompting module is configured to determine whether the input of the password command request is a malicious request comprises:
    所述提示模块具体用于判断所述用户是否通过所述支付设备发送所述输入密码指令请求；The prompting module is specifically configured to determine whether the user sends the input password instruction request by using the payment device;
    若是，则所述提示模块提示所述用户输入密码。If yes, the prompting module prompts the user to input a password.
  3. 根据权利要求1所述的穿戴设备，其特征在于，所述提示模块还用于累计所述密码匹配结果为错误的次数，并将所述次数与预设的阈值进行比较，若所述次数等于所述阈值，则所述提示模块提示所述用户停止输入密码。The wearable device according to claim 1, wherein the prompting module is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold, if the number of times is equal to The threshold, the prompting module prompts the user to stop entering a password.
  4. 一种具有支付功能的穿戴设备，其特征在于，所述穿戴设备包括依次连接的接收模块、提示模块、输入模块以及发送模块，所述接收模块用于接收支付设备发送的输入密码指令请求；所述提示模块用于判断所述输入密码指令请求是否为恶意请求，若否，则所述提示模块还用于提示用户输入密码；所述输入模块用于向所述用户提供密码输入界面，所述发送模块用于将所述用户输入的密码发送给所述支付设备，以实现支付功能。A wearable device having a payment function, wherein the wearable device includes a receiving module, a prompting module, an input module, and a sending module, which are sequentially connected, and the receiving module is configured to receive a request for inputting a password command sent by the payment device; The prompting module is configured to determine whether the input password instruction request is a malicious request, and if not, the prompting module is further configured to prompt the user to input a password; the input module is configured to provide a password input interface to the user, The sending module is configured to send the password input by the user to the payment device to implement a payment function.
  5. 根据权利要求4所述的穿戴设备，其特征在于，所述提示模块用于判断所述输入密码指令请求是否为恶意请求包括：The wearable device according to claim 4, wherein the prompting module is configured to determine whether the input of the password command request is a malicious request comprises:
    所述提示模块具体用于判断所述用户是否通过所述支付设备发送所述输入密码指令请求；The prompting module is specifically configured to determine whether the user sends the input password instruction request by using the payment device;
    若是，则所述提示模块提示所述用户输入密码。If yes, the prompting module prompts the user to input a password.
  6. 根据权利要求4所述的穿戴设备，其特征在于，所述接收模块还用于接收所述支付设备发送的密码匹配结果；The wearable device according to claim 4, wherein the receiving module is further configured to receive a password matching result sent by the payment device;
    若所述密码匹配结果为错误，则所述提示模块还用于提示所述用户输入密码。If the password matching result is an error, the prompting module is further configured to prompt the user to input a password.
  7. 根据权利要求6所述的穿戴设备，其特征在于，所述提示模块还用于累计所述密码匹配结果为错误的次数，并将所述次数与预设的阈值进行比较，若所述次数等于所述阈值，则所述提示模块提示所述用户停止输入密码。The wearable device according to claim 6, wherein the prompting module is further configured to accumulate the number of times the password matching result is an error, and compare the number of times with a preset threshold, if the number of times is equal to The threshold, the prompting module prompts the user to stop entering a password.
  8. 根据权利要求4所述的穿戴设备，其特征在于，所述发送模块还用于记录所述接收模块与所述支付设备连接的连接方式，并通过所述连接方式将所述用户输入的密码发送给所述支付设备。The wearable device according to claim 4, wherein the sending module is further configured to record a connection mode of the receiving module and the payment device, and send the password input by the user by using the connection mode Give the payment device.
  9. 一种穿戴设备实现支付功能的方法，其特征在于，所述方法包括：A method for implementing a payment function by a wearable device, the method comprising:
    接收支付设备发送的输入密码指令请求；Receiving an input password instruction request sent by the payment device;
    判断所述输入密码指令请求是否为恶意请求；Determining whether the input password instruction request is a malicious request;
    若否，则提示用户输入密码，并向所述用户提供密码输入界面；If not, the user is prompted to enter a password and provide a password input interface to the user;
    将所述用户输入的密码发送给所述支付设备。Sending the password entered by the user to the payment device.
  10. 根据权利要求9所述的方法，其特征在于，所述判断所述输入密码指令请求是否为恶意请求包括：The method according to claim 9, wherein the determining whether the input password instruction request is a malicious request comprises:
    判断所述用户是否通过所述支付设备发送所述输入密码指令请求；Determining whether the user sends the input password instruction request by using the payment device;
    若是，则提示所述用户输入密码。If yes, the user is prompted to enter a password.
  11. 根据权利要求9所述的方法，其特征在于，所述方法还包括：The method of claim 9 wherein the method further comprises:
    接收所述支付设备发送的密码匹配结果；Receiving a password matching result sent by the payment device;
    若所述密码匹配结果错误，则再次提示所述用户输入密码。If the password matching result is incorrect, the user is prompted again to enter a password.
  12. 根据权利要求11所述的方法，其特征在于，所述方法还包括：The method of claim 11 wherein the method further comprises:
    累计所述密码匹配结果为错误的次数，并将所述次数与预设的阈值进行比较；Accumulating the password matching result as the number of errors, and comparing the number of times with a preset threshold;
    若所述次数等于所述阈值，则提示所述用户停止输入密码。If the number of times is equal to the threshold, the user is prompted to stop entering the password.
  13. 根据权利要求9所述的方法，其特征在于，所述将所述用户输入的密码发送给所述支付设备包括：The method according to claim 9, wherein the sending the password input by the user to the payment device comprises:
    记录与所述支付设备连接的连接方式，并通过所述连接方式将所述用户输入的密码发送给所述支付设备。Recording a connection mode connected to the payment device, and transmitting the password input by the user to the payment device by using the connection mode.
PCT/CN2015/078183 2014-12-15 2015-05-04 Wearable device with payment function and method for implementing payment function WO2016095403A1 (en)

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