CN108734462A - A kind of method of mobile payment, device, system and storage medium - Google Patents
A kind of method of mobile payment, device, system and storage medium Download PDFInfo
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- CN108734462A CN108734462A CN201810463837.8A CN201810463837A CN108734462A CN 108734462 A CN108734462 A CN 108734462A CN 201810463837 A CN201810463837 A CN 201810463837A CN 108734462 A CN108734462 A CN 108734462A
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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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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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- 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
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Abstract
The invention discloses a kind of method of mobile payment, device, system and storage medium, the safety for improving mobile payment especially graphic code payment.Mobile-payment system, including:First user terminal, the graphic code for scanning second user publication include the first digital account information of second user in the graphic code;And mobile payment request is sent to Cloud Server, the first geographical location information of first user terminal and the first digital account information are carried in the mobile payment request;Cloud Server, for according to the mobile payment request received, searching corresponding second geographical location information of the digital account information of first carried in the mobile payment request in the correspondence between the digital account information and geographical location information pre-established;Judge whether first geographical location information matches with second geographical location information, if it does, then allowing this payment, otherwise, refuses this payment.
Description
Technical field
The present invention relates to mobile payment technical fields more particularly to a kind of method of mobile payment, device, system and storage to be situated between
Matter.
Background technology
Mobile payment is also referred to as mobile-phone payment, user using its mobile terminal (being typically mobile phone) to the commodity consumed or
A kind of mode that service is paid.User is by mobile device, internet or closely senses directly or indirectly to bank
Financial institution sends payment instruction and generates currency Zhi Fuyu fund displacement behaviors, to realize mobile payment function.Mobile payment
Terminal device, internet, application provider and financial institution are blended, provide the finance such as currency payment, payment to the user
Business.
Quick Response Code payment is a kind of new generation of wireless payment scheme built based on system of account.In the means of payment
Under, businessman can be assembled into the Transaction Informations such as account, commodity price one Quick Response Code and issue, and payment user passes through cell phone customer
End scans the two-dimensional code, and can realize payment and settlement.
Quick Response Code is paid while bringing convenience in payment for user, and there is also some security risks, for example, businessman issues
2 D code information replaced by illegal user from malicious, in this way, the expense that user pays to businessman will be transferred to disabled user's
In electronic account.
Invention content
A kind of method of mobile payment of offer of the embodiment of the present invention, device, system and storage medium, for improving mobile payment
The especially safety of graphic code payment.
In a first aspect, a kind of mobile-payment system is provided, including:
First user terminal, the graphic code for scanning second user publication include second user in the graphic code
The first digital account information;And mobile payment request is sent to Cloud Server, it is carried in the mobile payment request described
First geographical location information of the first user terminal and the first digital account information;
Cloud Server, for according to the mobile payment request received, the digital account information that pre-establishes with
The the first digital account information carried in the mobile payment request is searched in correspondence between geographical location information to correspond to
The second geographical location information;Judge whether first geographical location information matches with second geographical location information, such as
Fruit matches, then allows this payment, otherwise, refuse this payment.
Optionally, mobile-payment system provided in an embodiment of the present invention further includes second user terminal, wherein:
The second user terminal opens request, the number account for sending digital account to the Cloud Server
Open the first terminal mark and third geographical location information that second user terminal is carried in request;
The Cloud Server, for the correspondence between the digital account information and geographical location information of itself storage
In search whether that there are the third geographical location information;If it is not, then allowing to open digital account, and establish the terminal mark
Correspondence between the corresponding second digital account information of the digital account know, opened and the third geographical location is simultaneously deposited
Storage.
Optionally, the Cloud Server, if being additionally operable to the digital account information and geographical location information in itself storage
Between correspondence in find the third geographical location information, then according to the third geographical location information corresponding
Two digital account informations, the corresponding pass between the digital account information and the mark for the terminal for logging in respective digital account of record
In system, the corresponding second user terminal iidentification of the second number account information is searched;And according to the second user terminal mark
Know to corresponding third user terminal and sends geographical location update confirmation message;If receiving the sound for allowing to replace geographical location
Message is answered, then it is the described second digital account information to update the corresponding digital account information of the third geographical location information;Such as
Fruit receives the response message that refusal replaces geographical location, then does not allow to update the corresponding number of the third geographical location information
Account information is the described second digital account information, and returns to third geographical location information to the second user terminal and noted
The notification message of volume.
Optionally, first geographical location information is global position system GPS information, the second geographical location letter
Breath, the third geographical location information and the 4th geographical location information are GPS information or administrative division information.
Second aspect provides a kind of method of mobile payment, including:
The mobile payment request of the first user terminal transmission is received, first user is carried in the mobile payment request
First geographical location information of terminal and the first digital account information, wherein the described first digital account information is described first
What user terminal was obtained by scanning the graphic code of second user publication;
According to the mobile payment request received, the digital account information that pre-establishes and geographical location information it
Between correspondence in search corresponding second geographical location of the digital account information of first carried in mobile payment request
Information;
Judge whether first geographical location information matches with second geographical location information, if it does, then permitting
Perhaps this pays, and otherwise, refuses this payment.
Optionally, the correspondence between digital account information and geographical location information is to be established according to following below scheme:
Receive the digital account that second user terminal is sent and open request, the number account is opened ask in carry the
The first terminal mark and third geographical location information of two user terminals;
Search whether that there are institutes in correspondence between the digital account information and geographical location information of itself storage
State third geographical location information;If it is not, then the digital account for allowing to open digital account, and establishing the terminal iidentification, opening
Correspondence between the corresponding second digital account information in family and the third geographical location and storage.
Optionally, method of mobile payment provided in an embodiment of the present invention further includes:
If found in the correspondence between the digital account information and geographical location information of itself storage described
Third geographical location information, then according to the corresponding second digital account information of the third geographical location information, from the number of record
In correspondence between the mark of the terminal of word account information and login respective digital account, the described second digital account is searched
The corresponding second user terminal iidentification of information;And
Geographical location is sent to corresponding third user terminal update confirmation message according to the second user terminal iidentification;
If receiving the response message for allowing to replace geographical location, it is corresponding to update the third geographical location information
Digital account information is the described second digital account information;
If receiving the response message that refusal replaces geographical location, do not allow to update the third geographical location information
Corresponding number account information is the described second digital account information, and returns to third geographical location to the second user terminal
The notification message that information has been registered.
The third aspect provides a kind of mobile payment device, including:
First receiving unit, the mobile payment request for receiving the transmission of the first user terminal, the mobile payment request
Middle the first geographical location information for carrying first user terminal and the first digital account information, wherein first number
Account information is that first user terminal is obtained by scanning the graphic code of second user publication;
First searching unit, for according to the mobile payment request received, believing in the digital account pre-established
The the first digital account information carried in the mobile payment request is searched in correspondence between breath and geographical location information
Corresponding second geographical location information;
Judging unit, for judging whether first geographical location information matches with second geographical location information;
Response unit allows this payment if the judging result for the judging unit is yes;If described sentence
The judging result of disconnected unit is no, then refuses this payment.
Optionally, mobile payment device provided in an embodiment of the present invention further includes:
Second receiving unit, the digital account for receiving the transmission of second user terminal open request, the number account
Open the first terminal mark and third geographical location information that second user terminal is carried in request;
Second searching unit, for the correspondence between the digital account information and geographical location information of itself storage
In search whether that there are the third geographical location information;
Correspondence relationship establishing unit, for not finding the third geographical location information in second searching unit
When, allow to open digital account, and establish the terminal iidentification, the corresponding second digital account information of the digital account opened with
Correspondence between the third geographical location and storage.
Optionally, mobile payment device provided in an embodiment of the present invention further includes:
Third searching unit, if for second searching unit in the digital account information itself stored and geographical position
The third geographical location information is found in correspondence between confidence breath, then according to the third geographical location information pair
The the second digital account information answered, between the digital account information and the mark of terminal for logging in respective digital account of record
In correspondence, the corresponding second user terminal iidentification of the second number account information is searched;
Transmission unit, for sending geographical location to corresponding third user terminal according to the second user terminal iidentification
Update confirmation message;
If it is geographical to update the third for receiving the response message for allowing to replace geographical location for updating unit
The corresponding digital account information of location information is the described second digital account information;If receiving refusal replaces geographical location
Response message does not allow then to update the corresponding digital account information of the third geographical location information to be the described second digital account
Information, and return to the notification message that third geographical location information has been registered to the second user terminal.
Fourth aspect provides a kind of computing device, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor so that on the processor executes
State the step described in any method of mobile payment.
5th aspect, provides a kind of computer-readable storage medium, is stored with the calculating that can be executed by computing device
Machine program, when described program is run on the computing device so that the computing device executes any of the above-described method of mobile payment
The step.
Method of mobile payment, device, system and storage medium provided in an embodiment of the present invention pass through the mobile branch in initiation
The geographical location information for carrying payment customer mobile terminal in request is paid, the geographical location information received and digital account are compared
Whether the geographical location information bound in advance matches, if it does, then allow to pay, if it does not match, do not allow to pay, this
Sample, if the graphic code of user's publication can be detected by the geographical location information that digital account is bound when maliciously being replaced,
To improve the safety of mobile payment.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The purpose of the present invention and other advantages can be by the explanations write
Specifically noted structure is realized and is obtained in book, claims and attached drawing.
Description of the drawings
Attached drawing described herein is used to provide further understanding of the present invention, and constitutes the part of the present invention, this hair
Bright illustrative embodiments and their description are not constituted improper limitations of the present invention for explaining the present invention.In the accompanying drawings:
Fig. 1 is the application scenarios schematic diagram of the embodiment of the present invention;
Fig. 2 is according to correspondence between the foundation number account information and geographical location information of mode of the embodiment of the present invention
Implementation process diagram;
Fig. 3 is the implementation process diagram according to the method for mobile payment of embodiment of the present invention;
Fig. 4 is the structural schematic diagram of the mobile-payment system of embodiment of the present invention;
Fig. 5 is the structural schematic diagram according to the mobile payment device of embodiment of the present invention;
Fig. 6 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific implementation mode
In order to improve the safety of mobile payment, an embodiment of the present invention provides a kind of method of mobile payment, device, systems
And storage medium.
It should be noted that the terminal device in the present invention can be PC (full name in English:Personal
Computer, PC), tablet computer, personal digital assistant (Personal Digita l Assistant, PDA), personal communication
Business (full name in English:Personal Communication Service, PCS) terminal devices such as phone, notebook and mobile phone,
Can also be the computer with mobile terminal, for example, it may be portable, pocket, hand-held, built-in computer or
Vehicle-mounted mobile device, the equipment that they can provide a user voice and/or data connectivity, and handed over wireless access network
Change language and/or data.
In addition, term " first " in specification and claims and above-mentioned attached drawing in the embodiment of the present invention, "
Two ", " third " and " 4th " etc. are for distinguishing similar object, without being used to describe specific sequence or precedence.
It should be appreciated that the data used in this way can be interchanged in the appropriate case, so that the embodiments described herein can be in addition at this
In illustrate or description content other than sequence implement.
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
As shown in Figure 1, as shown in Figure 1, the application scenarios schematic diagram of its data processing method provided for this law embodiment.
Payment user 10 and be paid for user (i.e. businessman user) 20 can be respectively by being installed in terminal device 11 and terminal device 21
Mobile payment client log in Cloud Server 12, wherein client can be to be installed on terminal device, such as mobile phone, tablet electricity
Mobile payment client in brain etc..
It is communicatively coupled by network between terminal device 11 and terminal device 21 and Cloud Server 12, which can be with
For LAN, wide area network etc..Terminal device 11 can be portable equipment (such as:Mobile phone, tablet, laptop etc.), also may be used
Think PC (PC, Personal Computer), Cloud Server 12 can be any to be capable of providing mobile payment service
Equipment.
Wherein, it pays user 10 and is paid for user 20 and be utilized respectively terminal device 11 and terminal device 21 by being taken to cloud
Be engaged in device 12 registration obtain user name, Cloud Server 12 store after user succeeds in registration user name and with pay user 10
Be used as authentication information with the user password for being paid for the setting of user 20, continuation payment user 10 be paid for user 20 and log on
When Cloud Server 12, Cloud Server 12 returns to login page to client, pays user 10 and is paid for user 20 in client
The login page input authentication information (i.e. user name and user password) of display simultaneously submits to Cloud Server 12, and Cloud Server 12 compares
Whether the authentication information that stores one is shown and determines whether user when submitting authentication information with from user's registration compared with user
It logs in.
After user registration success, digital account can be sent to Cloud Server 12 and opens request, in the embodiment of the present invention, be
The safety for ensureing mobile payment when digital account is opened in its request, needs to tie up for being paid for user (i.e. businessman user)
Its fixed geographical location information.It should be noted that the geographical location information can be the GPS information of terminal device, in order into one
Improve the safety of mobile payment on step ground, and in the embodiment of the present invention, which can also be the administration of businessman user
Partition information, wherein the administrative division information may include street number, number etc., further, for large size
Market, the businessman user in shopping center etc. can also include trade company number etc., the embodiment of the present invention to this without limiting,
Same geographical location information only allows the digital payment account of binding one.
Based on this, in the embodiment of the present invention, digital account information and geographical location information can be established according to following below scheme
Between correspondence, as shown in Fig. 2, may comprise steps of:
The digital account that S21, cloud server second user terminal are sent opens request.
Wherein, the digital account opens the first terminal mark that second user terminal is carried in request and third is geographical
Location information.
When it is implemented, being paid for user when needing to open digital account, digital account can be sent to Cloud Server
Open request, wherein carry the terminal iidentification for being paid for the currently used terminal device of user and its using being paid for the ground of account
Location information is managed, wherein geographical location information can be provided by being paid for user, can characterize the ground for being paid for user retail shop
Position is managed, for example, it can be administrative division information, shop number etc. can be refine to, for example, the cities XX of the XX provinces areas XX XX
The street markets the XX XX shops number XX floor XX, wherein market identification number is option, when it is implemented, if without market number
It is then not necessarily to carry.The geographical location information may be the GPS position information of second user terminal, under this embodiment, need
Record accurate latitude and longitude information.
It further, can also be according to being paid for account in order to ensure the safety for being paid for the digital account that user opens
If family is paid for carrying the market of its ownership or shopping center mark, the mark in the geographical location information of user's offer
Can be market or shopping mall name etc., then cloud server to digital account open request when, can also basis
The market or shopping center wherein carried identifies to corresponding market login account and sends checking request, by market to being paid for
User verifies, and executes subsequent digital account after being verified again and opens operation, directly refuses not if if verification
The digital account received opens request.
S22, Cloud Server are looked into the correspondence between itself digital account information stored and geographical location information
It looks for and whether there is the third geographical location information, if so, S24 is thened follow the steps, if not, thening follow the steps S23.
S23, corresponding second number of digital account for allowing to open digital account, and establishing the terminal iidentification, opening
Correspondence and storage, flow between account information and the third geographical location terminate.
It is not stored with third geographical location information if local, user is allowed to open digital account, and establishes and open
Correspondence between the digital corresponding second digital account information of account and the third geographical location and storage.
S24, according to the corresponding second digital account information of the third geographical location information, believe from the digital account of record
In correspondence between the mark of the terminal of breath and login respective digital account, searches the described second digital account information and correspond to
Second user terminal iidentification.
S25, update confirmation message in geographical location is sent to corresponding third user terminal according to second user terminal iidentification.
S26, it determines whether to update the corresponding number of the third geographical location information according to the response message received
Word account information.
In this step, if receiving the response message for allowing to replace geographical location, the third geographical location is updated
The corresponding digital account information of information is the described second digital account information;If receiving the response that refusal replaces geographical location
Message does not allow then to update the corresponding digital account information of the third geographical location information to be the described second digital account letter
Breath, and return to the notification message that third geographical location information has been registered to the second user terminal.
So far, the binding more new technological process for completing digital account information and geographical location information is as shown in table 1 cloud
A kind of possible data structure signal of correspondence between the digital account information and geographical location information of server storage:
Table 1
Register user name | Digital account information | Geographical location information |
Wherein, digital account information and geographical location information are one-to-one relationships.Number has been opened being paid for user
After word account, the data account opened can be directed to and generate graphic code, such as can be Quick Response Code and issue, wherein generated
Graphic code in include the number account information, payment user by scanning be paid for user offer graphic code, Ke Yixiang
It is paid for user and pays expense.
Based on this, an embodiment of the present invention provides a kind of method of mobile payment, as shown in figure 3, it is the embodiment of the present invention
The implementation process diagram of the method for mobile payment of offer, may comprise steps of:
The mobile payment request that S31, the first user terminal of cloud server are sent.
Wherein, the first geographical location information and the first number of first user terminal are carried in the mobile payment request
Word account information.First digital account information is that first user terminal is obtained by scanning the graphic code of second user publication
's.
S32, Cloud Server are asked according to the mobile payment received, in the digital account information pre-established and geographical position
In correspondence between confidence breath, the first digital account information corresponding second carried in the mobile payment request is searched
Geographical location information.
S33, judge whether first geographical location information matches with second geographical location information, if it is,
Step S34 is executed, if not, thening follow the steps S35.
When it is implemented, the first geographical location information can be the GPS information of the first user terminal, Cloud Server compares the
Whether the GPS information of one user terminal GPS information corresponding with the second geographical location information matches, and specifically, Cloud Server can
To compare the longitude and latitude difference in two GPS informations whether within the scope of preset, if, it is determined that matching, otherwise, really
It is fixed to mismatch.
It should be noted that if the second geographical location information is administrative division information, Cloud Server can be to carrying
Its corresponding GPS information is inquired for the server of geographical location inquiry service.
S34, this payment, flow is allowed to terminate.
S35, refuse this payment, flow terminates.
In method of mobile payment provided in an embodiment of the present invention, it is paid for user and binds when opening digital account to open
Correspondence between digital account and the geographical location of graphic code publication, meanwhile, it is asked in payment Client-initiated mobile payment
The middle geographical location information for carrying payment customer mobile terminal is sought, by comparing the geographical location information received and digital account
Whether the geographical location information bound in advance matches, if it does, then allow to pay, if it does not match, do not allow to pay, this
Sample, if the graphic code of user's publication can be detected by the geographical location information that digital account is bound when maliciously being replaced,
To improve the safety of mobile payment.
Based on same inventive concept, a kind of mobile-payment system and device are additionally provided in the embodiment of the present invention, due to upper
It states system and principle that device solves the problems, such as is similar to method of mobile payment, therefore the implementation of above system and device may refer to
The implementation of method, overlaps will not be repeated.
As shown in figure 4, it is the structural schematic diagram of mobile-payment system provided in an embodiment of the present invention, including:
First user terminal 41, the graphic code for scanning second user publication include the second use in the graphic code
The digital account information of the first of family;And mobile payment request is sent to Cloud Server, it is carried in the mobile payment request
State the first geographical location information of the first user terminal and the first digital account information;
Cloud Server 42, for being asked according to the mobile payment received, in the digital account information pre-established
The the first digital account information pair carried in the mobile payment request is searched in correspondence between geographical location information
The second geographical location information answered;Judge whether first geographical location information matches with second geographical location information,
If it does, then allowing this payment, otherwise, refuse this payment.
Optionally, mobile-payment system provided in an embodiment of the present invention further includes second user terminal 43, wherein:
The second user terminal 43 opens request, the number account for sending digital account to the Cloud Server
Open the first terminal mark and third geographical location information that second user terminal is carried in request in family;
The Cloud Server, for the correspondence between the digital account information and geographical location information of itself storage
In search whether that there are the third geographical location information;If it is not, then allowing to open digital account, and establish the terminal mark
Correspondence between the corresponding second digital account information of the digital account know, opened and the third geographical location is simultaneously deposited
Storage.
Optionally, the Cloud Server, if being additionally operable to the digital account information and geographical location information in itself storage
Between correspondence in find the third geographical location information, then according to the third geographical location information corresponding
Two digital account informations, the corresponding pass between the digital account information and the mark for the terminal for logging in respective digital account of record
In system, the corresponding second user terminal iidentification of the second number account information is searched;And according to the second user terminal mark
Know to corresponding third user terminal and sends geographical location update confirmation message;If receiving the sound for allowing to replace geographical location
Message is answered, then it is the described second digital account information to update the corresponding digital account information of the third geographical location information;Such as
Fruit receives the response message that refusal replaces geographical location, then does not allow to update the corresponding number of the third geographical location information
Account information is the described second digital account information, and returns to third geographical location information to the second user terminal and noted
The notification message of volume.
Optionally, first geographical location information is global position system GPS information, the second geographical location letter
Breath, the third geographical location information and the 4th geographical location information are GPS information or administrative division information.
As shown in figure 5, it is the structural schematic diagram of mobile payment device provided in an embodiment of the present invention, including:
First receiving unit 51, the mobile payment request for receiving the transmission of the first user terminal, the mobile payment are asked
Ask middle the first geographical location information for carrying first user terminal and the first digital account information, wherein first number
Word account information is that first user terminal is obtained by scanning the graphic code of second user publication;
First searching unit 52, for being asked according to the mobile payment received, in the digital account pre-established
The digital account letter of first carried in the mobile payment request is searched in correspondence between information and geographical location information
Cease corresponding second geographical location information;
Judging unit 53, for judge first geographical location information and second geographical location information whether
Match;
Response unit 54 allows this payment if the judging result for the judging unit is yes;If described
The judging result of judging unit is no, then refuses this payment.
Optionally, mobile payment device provided in an embodiment of the present invention further includes:
Second receiving unit, the digital account for receiving the transmission of second user terminal open request, the number account
Open the first terminal mark and third geographical location information that second user terminal is carried in request;
Second searching unit, for the correspondence between the digital account information and geographical location information of itself storage
In search whether that there are the third geographical location information;
Correspondence relationship establishing unit, for not finding the third geographical location information in second searching unit
When, allow to open digital account, and establish the terminal iidentification, the corresponding second digital account information of the digital account opened with
Correspondence between the third geographical location and storage.
Optionally, mobile payment device provided in an embodiment of the present invention further includes:
Third searching unit, if for second searching unit in the digital account information itself stored and geographical position
The third geographical location information is found in correspondence between confidence breath, then according to the third geographical location information pair
The the second digital account information answered, between the digital account information and the mark of terminal for logging in respective digital account of record
In correspondence, the corresponding second user terminal iidentification of the second number account information is searched;
Transmission unit, for sending geographical location to corresponding third user terminal according to the second user terminal iidentification
Update confirmation message;
If it is geographical to update the third for receiving the response message for allowing to replace geographical location for updating unit
The corresponding digital account information of location information is the described second digital account information;If receiving refusal replaces geographical location
Response message does not allow then to update the corresponding digital account information of the third geographical location information to be the described second digital account
Information, and return to the notification message that third geographical location information has been registered to the second user terminal.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement the function of each module (or unit) can be realized in same or multiple softwares or hardware when the present invention.
After the method for mobile payment and device for describing exemplary embodiment of the invention, next, introducing basis
The computing device of the another exemplary embodiment of the present invention.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, i.e.,:It is complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
In some possible embodiments, computing device according to the present invention can include at least at least one processing
Device and at least one processor.Wherein, the memory has program stored therein code, when said program code is by the processing
When device executes so that the processor executes the shifting according to the various illustrative embodiments of the present invention of this specification foregoing description
Step in dynamic method of payment.For example, the processor can execute step S31 as shown in Figure 3, cloud server
The mobile payment request that one user terminal is sent, first that first user terminal is carried in the mobile payment request are geographical
Location information and the first digital account information and step S32, Cloud Server are asked according to the mobile payment received, advance
In correspondence between the digital account information and geographical location information of foundation, searches and carry in mobile payment request
Corresponding second geographical location information of first number account information;Step S23, judge first geographical location information with it is described
Whether the second geographical location information matches, if so, S34 is thened follow the steps, if not, thening follow the steps S35;Step S34, permit
Perhaps this pays, and flow terminates, and step S35, refuses this payment, flow terminates.
The computing device 60 of this embodiment according to the present invention is described referring to Fig. 6.The calculating dress that Fig. 6 is shown
It is only an example to set 60, should not bring any restrictions to the function and use scope of the embodiment of the present invention.
As shown in fig. 6, computing device 60 is showed in the form of universal computing device.The component of computing device 60 may include
But it is not limited to:Above-mentioned at least one processor 61, above-mentioned at least one processor 62, (including the storage of connection different system component
Device 62 and processor 61) bus 63.
Bus 63 indicates one or more in a few class bus structures, including memory bus or Memory Controller,
Peripheral bus, processor or the local bus using the arbitrary bus structures in a variety of bus structures.
Memory 62 may include the readable medium of form of volatile memory, such as random access memory (RAM) 621
And/or cache memory 622, it can further include read-only memory (ROM) 623.
Memory 62 can also include program/utility 625 with one group of (at least one) program module 624, this
The program module 624 of sample includes but not limited to:Operating system, one or more application program, other program modules and journey
Ordinal number evidence may include the realization of network environment in each or certain combination in these examples.
Computing device 60 can also be communicated with one or more external equipments 64 (such as keyboard, sensing equipment etc.), may be used also
Enable a user to the equipment interacted with computing device 60 communication with one or more, and/or with enable the computing device 60
Any equipment (such as the router, modem etc.) communication communicated with one or more of the other computing device.This
Kind communication can be carried out by input/output (I/O) interface 65.Also, computing device 60 can also pass through network adapter 66
With one or more network (such as LAN (LAN), wide area network (WAN) and/or public network, such as internet) communication.
As shown, network adapter 66 is communicated by bus 63 with other modules for computing device 60.It will be appreciated that though figure
In be not shown, can in conjunction with computing device 60 use other hardware and/or software module, including but not limited to:Microcode, equipment
Driver, redundant processor, external disk drive array, RAID system, tape drive and data backup storage system etc..
In some possible embodiments, the various aspects of method of mobile payment provided by the invention are also implemented as
A kind of form of program product comprising program code, when described program product is run on a computing device, described program
Code be used to make the computer equipment execute this specification foregoing description according to the various illustrative embodiments of the present invention
Step in method of mobile payment, for example, the computer equipment can execute step S31 as shown in Figure 3, Cloud Server
The mobile payment request for receiving the transmission of the first user terminal carries the of first user terminal in mobile payment request
One geographical location information and the first digital account information and step S32, Cloud Server are asked according to the mobile payment received,
In correspondence between the digital account information pre-established and geographical location information, search in the mobile payment request
Corresponding second geographical location information of the first number account information carried;Step S23, judge first geographical location information
Whether matched with second geographical location information, if so, S34 is thened follow the steps, if not, thening follow the steps S35;Step
S34, allow this payment, flow to terminate, step S35, refuse this payment, flow terminates.
The arbitrary combination of one or more readable mediums may be used in described program product.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or the arbitrary above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes:Electrical connection, portable disc with one or more conducting wires, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The read-only storage of portable compact disc may be used in the program product for mobile payment of embodiments of the present invention
Device (CD-ROM) and include program code, and can run on the computing device.However, the program product of the present invention is not limited to
This, in this document, readable storage medium storing program for executing, which can be any, includes or the tangible medium of storage program, which can be commanded
The either device use or in connection of execution system, device.
Readable signal medium may include in a base band or as the data-signal that a carrier wave part is propagated, wherein carrying
Readable program code.Diversified forms may be used in the data-signal of this propagation, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, which can send, propagate either transmission for being used by instruction execution system, device or device or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
It can be write with any combination of one or more programming languages for executing the program that operates of the present invention
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It executes on computing device, partly execute on a user device, being executed as an independent software package, partly in user's calculating
Upper side point is executed or is executed in remote computing device or server completely on a remote computing.It is being related to far
In the situation of journey computing device, remote computing device can pass through the network of any kind --- including LAN (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
It should be noted that although being referred to several units or subelement of device in above-detailed, this stroke
It point is only exemplary not enforceable.In fact, according to the embodiment of the present invention, it is above-described two or more
The feature and function of unit can embody in a unit.Conversely, the feature and function of an above-described unit can
It is embodied by multiple units with being further divided into.
In addition, although the operation of the method for the present invention is described with particular order in the accompanying drawings, this do not require that or
Hint must execute these operations according to the particular order, or have to carry out shown in whole operation could realize it is desired
As a result.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or by one
Step is decomposed into execution of multiple steps.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications can be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (12)
1. a kind of mobile-payment system, which is characterized in that including:
First user terminal, the graphic code for scanning second user publication include the of second user in the graphic code
One digital account information;And mobile payment request is sent to Cloud Server, carry described first in the mobile payment request
First geographical location information of user terminal and the first digital account information;
Cloud Server, for being asked according to the mobile payment received, in the digital account information pre-established and geography
The digital account information of first carried in mobile payment request corresponding the is searched in correspondence between location information
Two geographical location information;Judge whether first geographical location information matches with second geographical location information, if
Match, then allow this payment, otherwise, refuses this payment.
2. the system as claimed in claim 1, which is characterized in that further include second user terminal, wherein:
The second user terminal opens request for sending digital account to the Cloud Server, and the number account is open-minded
The first terminal mark and third geographical location information of second user terminal are carried in request;
The Cloud Server, for being looked into the correspondence between itself digital account information stored and geographical location information
It looks for and whether there is the third geographical location information;If it is not, then allow to open digital account, and establish the terminal iidentification,
Correspondence between the corresponding second digital account information of digital account opened and the third geographical location and storage.
3. system as claimed in claim 2, which is characterized in that
The Cloud Server, if being additionally operable to the corresponding pass between the digital account information and geographical location information of itself storage
The third geographical location information is found in system, then according to the corresponding second digital account letter of the third geographical location information
Breath searches institute from the correspondence between the mark of the terminal of the digital account information and login respective digital account of record
State the corresponding second user terminal iidentification of the second number account information;And according to the second user terminal iidentification to corresponding
Three user terminals send geographical location and update confirmation message;If receiving the response message for allowing to replace geographical location, more
Newly the corresponding digital account information of the third geographical location information is the described second digital account information;If receiving refusal
The response message for replacing geographical location does not allow then to update the corresponding digital account information of the third geographical location information to be institute
The second digital account information is stated, and returns to the notice that third geographical location information has been registered to the second user terminal and disappears
Breath.
4. system as claimed in claim 3, which is characterized in that first geographical location information is global position system GPS
Information, second geographical location information, the third geographical location information and the 4th geographical location information be GPS information or
Administrative division information.
5. a kind of method of mobile payment, which is characterized in that including:
The mobile payment request of the first user terminal transmission is received, first user terminal is carried in the mobile payment request
The first geographical location information and the first digital account information, wherein the described first digital account information is first user
What terminal was obtained by scanning the graphic code of second user publication;
According to the mobile payment request received, between the digital account information pre-established and geographical location information
Corresponding second geographical location information of the digital account information of first carried in the mobile payment request is searched in correspondence;
Judge whether first geographical location information matches with second geographical location information, if it does, then allowing this
Otherwise secondary payment refuses this payment.
6. method as claimed in claim 5, which is characterized in that the corresponding pass between digital account information and geographical location information
System is to be established according to following below scheme:
It receives the digital account that second user terminal is sent and opens request, the number account, which is opened in request, carries the second use
The first terminal mark and third geographical location information of family terminal;
Search whether that there are described the in correspondence between the digital account information and geographical location information of itself storage
Three geographical location information;If it is not, then the digital account pair for allowing to open digital account, and establishing the terminal iidentification, opening
Correspondence between the second digital account information answered and the third geographical location and storage.
7. method as claimed in claim 6, which is characterized in that further include:
If finding the third in the correspondence between the digital account information and geographical location information of itself storage
Geographical location information, then according to the corresponding second digital account information of the third geographical location information, from the digital account of record
In correspondence between the mark of the terminal of family information and login respective digital account, the described second digital account information is searched
Corresponding second user terminal iidentification;And
Geographical location is sent to corresponding third user terminal update confirmation message according to the second user terminal iidentification;
If receiving the response message for allowing to replace geographical location, the corresponding number of the third geographical location information is updated
Account information is the described second digital account information;
If receiving the response message that refusal replaces geographical location, do not allow to update the third geographical location information correspondence
Digital account information be the described second digital account information, and return to third geographical location information to the second user terminal
The notification message being registered.
8. a kind of mobile payment device, which is characterized in that including:
First receiving unit, the mobile payment request for receiving the transmission of the first user terminal are taken in the mobile payment request
The first geographical location information with first user terminal and the first digital account information, wherein the described first digital account
Information is that first user terminal is obtained by scanning the graphic code of second user publication;
First searching unit, for according to the mobile payment request received, the digital account information that pre-establishes with
The the first digital account information carried in the mobile payment request is searched in correspondence between geographical location information to correspond to
The second geographical location information;
Judging unit, for judging whether first geographical location information matches with second geographical location information;
Response unit allows this payment if the judging result for the judging unit is yes;If the judgement is single
The judging result of member is no, then refuses this payment.
9. device as claimed in claim 8, which is characterized in that further include:
Second receiving unit, the digital account for receiving the transmission of second user terminal open request, and the number account is open-minded
The first terminal mark and third geographical location information of second user terminal are carried in request;
Second searching unit, for being looked into the correspondence between itself digital account information stored and geographical location information
It looks for and whether there is the third geographical location information;
Correspondence relationship establishing unit, for when second searching unit does not find the third geographical location information, permitting
Permitted to open digital account, and establish the terminal iidentification, the corresponding second digital account information of the digital account opened with it is described
Correspondence between third geographical location and storage.
10. device as claimed in claim 9, which is characterized in that further include:
Third searching unit, if believed in the digital account information itself stored and geographical location for second searching unit
The third geographical location information is found in correspondence between breath, then it is corresponding according to the third geographical location information
Second digital account information, it is corresponding between the digital account information of record and the mark for the terminal for logging in respective digital account
In relationship, the corresponding second user terminal iidentification of the second number account information is searched;
Transmission unit is updated for sending geographical location to corresponding third user terminal according to the second user terminal iidentification
Confirmation message;
If updating unit updates the third geographical location for receiving the response message for allowing to replace geographical location
The corresponding digital account information of information is the described second digital account information;If receiving the response that refusal replaces geographical location
Message does not allow then to update the corresponding digital account information of the third geographical location information to be the described second digital account letter
Breath, and return to the notification message that third geographical location information has been registered to the second user terminal.
11. a kind of computing device, which is characterized in that including at least one processor and at least one processor, wherein institute
It states memory and is stored with computer program, when described program is executed by the processor so that the processor perform claim
It is required that the step of 5,6 or 7 the method.
12. a kind of computer-readable storage medium, which is characterized in that it is stored with the computer journey that can be executed by computing device
Sequence, when described program is run on the computing device so that the computing device perform claim requires 5,6 or 7 the methods
Step.
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