WO2018145239A1

WO2018145239A1 - Electronic payment method and apparatus

Info

Publication number: WO2018145239A1
Application number: PCT/CN2017/073030
Authority: WO
Inventors: 廖建强
Original assignee: 廖建强
Priority date: 2017-02-07
Filing date: 2017-02-07
Publication date: 2018-08-16

Abstract

An electronic payment method: when detecting that a payment operation is initiated, a terminal acquires the current geographical position area; and if the current geographical position area is a preset area, then the payment operation is prohibited; the terminal is thus prevented from operating in an unfamiliar geographic area, protecting the security of the funds in the user account. The present method can improve payment security.

Description

Electronic payment method and device

Technical field

The present invention relates to the field of electronic payment, and in particular, to an electronic payment method and apparatus.

Background technique

Due to the popularity of the mobile Internet, users are increasingly using smart phones for electronic payment, avoiding carrying large amounts of cash to consume, and bringing great convenience to users. In the existing payment process, users open mobile phones. The payment application installed on the screen displays the payment interface, enters the payment password on the payment interface, and the server successfully verifies the payment process, and the payment process is successfully completed. However, when the user's mobile phone is lost, the criminal can obtain the user's payment password through the mobile phone number, thereby Stealing funds in user accounts creates great security risks for users, so there is an urgent need for a more secure payment method to ensure the security of funds in user accounts.

Summary of the invention

A technical problem to be solved by embodiments of the present invention is to provide an electronic payment method and apparatus. Improve the security of payment operations.

In order to solve the above technical problem, an embodiment of the present invention provides an electronic payment method, including:

When the first terminal receives the payment operation, acquiring the current geographical location area;

If the geographical location area is a preset area, the payment operation is terminated.

Correspondingly, an embodiment of the present invention further provides an electronic payment device, including:

An obtaining module, configured to obtain a current geographical location when receiving a payment operation;

The payment restriction module is configured to terminate the payment operation if the geographical location area is a preset area.

Embodiments of the present invention have the following beneficial effects:

When the terminal detects that the payment operation is initiated, the terminal obtains the current geographical location area. If the current geographical location area is the preset area, the payment operation is prohibited, which prevents the terminal from operating in the unfamiliar geographical location and protects the funds of the user account. .

DRAWINGS

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present invention, and other drawings can be obtained from those skilled in the art without any creative work.

1 is a schematic structural diagram of a payment system according to an embodiment of the present invention;

2 is a schematic flowchart of an electronic payment method according to an embodiment of the present invention;

3 is a schematic structural diagram of an electronic payment device according to an embodiment of the present invention;

FIG. 4 is another schematic structural diagram of an electronic payment device according to an embodiment of the present invention.

detailed description

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 those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

FIG. 1 is a schematic structural diagram of a payment system according to an embodiment of the present invention. In the embodiment of the present invention, a payment system includes a first terminal, a server, and a second terminal, and the workflow of the payment system may be:

The first terminal and the second terminal are bound in advance, for example, by binding the mobile phone number, the first terminal sends a geographic location restriction payment instruction to the second terminal, and the geographic location restriction payment instruction carries the geographic information, and the number of the geographic information may be a plurality of, for example, the geographic information is A hotel, B hotel, C casino city, the second terminal receives the geographic location restriction payment instruction, and obtains the latitude and longitude coordinates corresponding to the geographic information according to the electronic map, with the latitude and longitude coordinates as the center and the preset radius The circular area is set as a preset area. For example, if the preset radius is 30 meters, the first terminal initiates the payment operation initiated by the user, and obtains the current geographical location, if the current geographical location is the preset area. The payment operation is terminated. At this time, the first terminal displays the prompt information of the payment failure. It should be noted that if the second terminal does not open the geographic location restriction payment instruction, the first terminal performs the payment operation according to the current payment process. When the first terminal cannot obtain the current geographical location, for example A terminal set in advance to detect the current location information is prohibited, the first terminal transmits the second authentication information request to the terminal pre-bound, the server allocates a verification message to the second terminal, a second terminal receiving After the information request is verified, a prompt message is displayed on the interface prompting the user whether to input the verification information. When the user inputs the verification information on the second terminal, the second terminal sends the verification information to the first terminal, and the first terminal receives the verification information. The verification information is sent to the server for verification. After the server is verified, the payment password input interface is displayed on the first terminal, and the user completes the payment operation after inputting the correct payment password.

In a possible implementation manner of the present invention, after receiving the verification information request, the second terminal may also request the user to input the verification information, and after the user inputs the verification information, send the verification information to the server and the first terminal respectively. A terminal performs verification on the server according to the received verification information, and performs a normal payment process after the verification is passed.

It can be seen from the foregoing embodiment that when the terminal detects that the payment operation is initiated, the terminal obtains the current geographical location, and if the current geographical location is the preset area, the payment operation is prohibited, and the terminal can be prevented from being located in the unfamiliar geographical location. Operation to protect the security of the user account funds.

FIG. 2 is a schematic flowchart of an electronic payment method according to an embodiment of the present invention. In the embodiment of the present invention, the method includes:

S201. When the first terminal receives the payment operation, obtain the current geographical location area.

Specifically, the payment operation initiated by the first terminal user, for example, when the first terminal detects that the user clicks the payment button, determines that the payment operation is received, and obtains the current geographic location, specifically determining the current building, for example: Hotel, hotel or entertainment venue, etc.

S202. If the geographical location area is a preset area, the payment operation is terminated.

Specifically, if the current geographical location is a preset area, the first terminal terminates the payment operation, and the prompt information is displayed on the payment interface, and is used to prompt the user to have no right to pay in the current area.

Optionally, in a possible implementation manner of the present disclosure, the obtaining the current geographic location area includes:

Obtaining current latitude and longitude coordinates, and querying a geographical location corresponding to the latitude and longitude coordinates; or

Obtain an identifier of the currently connected router, and query a geographical location area corresponding to the identifier of the router.

Specifically, the first terminal may acquire the current latitude and longitude coordinates through the satellite positioning module, and query the latitude and longitude The geographical location corresponding to the degree coordinate; or in the case that the first terminal is connected to the wireless local area network, obtain the identifier of the currently connected router, the identifier of the router may be the MAC address, and the first terminal queries the server for the geographical location area corresponding to the MAC geographic.

Optionally, in a possible implementation manner of the present invention, before the receiving, by the first terminal, the payment operation, the method further includes:

Receiving, by the first terminal, a geographically-restricted payment instruction sent by the second terminal that is pre-bound; wherein the geographically-defined payment instruction carries the address information;

Obtaining latitude and longitude coordinates corresponding to the address information, and setting a circular area centered on the latitude and longitude coordinates and within a preset radius as the preset area.

Specifically, the first terminal and the second terminal are bound in advance, for example, by using a mobile phone number, and the first terminal sends a geographic location restriction payment instruction to the second terminal, where the geographic location restriction payment instruction carries geographic information, and the number of geographic information There may be multiple, for example, the geographic information is D hotel, E hotel, C entertainment city, the second terminal receives the geographic location restriction payment instruction, obtains the latitude and longitude coordinates corresponding to the geographic information according to the electronic map, and the latitude and longitude coordinates are centered and preset The circular area of the radius is set as the preset area.

Optionally, in a possible implementation manner of the present invention, the method further includes:

If the location of the current location is not available, the first terminal sends a verification information request to the second terminal, where the verification information request is used to request the second terminal to send the authentication information;

When the authentication information sent by the second terminal is received, and the authentication information is verified, the payment process is completed.

When the first terminal is unable to obtain the current geographical location, for example, the first terminal is preset to prohibit detection of the current geographic location information, the first terminal sends a verification information request to the pre-bound second terminal, and the server allocates a request. The verification information is sent to the second terminal. After receiving the verification information request, the second terminal displays a prompt message prompting the user whether to input the verification information on the interface. When the user inputs the verification information on the second terminal, the second terminal is the first The terminal sends the verification information, the first terminal receives the verification information, and sends the verification information to the server for verification. After the server is verified, the payment password input interface is displayed on the first terminal, and the user completes the payment operation after inputting the correct payment password.

In a possible implementation manner of the present invention, after receiving the verification information request, the second terminal may also request the user to input the verification information, and after the user inputs the verification information, send the verification information to the server and the first terminal respectively. A terminal performs verification on the server according to the received verification information, and the verification After the pass, the normal payment process is executed.

In a possible implementation manner of the present invention, after the second terminal instructs the first terminal to enable the payment restriction function, any payment operation initiated on the first terminal needs to request verification information from the second terminal, and sends the verification information to the second terminal. The verification process is completed and the verification information is verified before the payment process can be performed normally.

Optionally, the authentication information may be character information or graphic information.

FIG. 3 is a schematic structural diagram of an electronic payment device according to an embodiment of the present invention. The electronic payment device according to the embodiment of the present invention is used to execute an electronic payment method in FIG. 2, and the terminology and process involved may refer to the figure. 2 Description of the embodiment. The electronic payment device 3 includes an acquisition module 301 and a payment restriction module 302.

The obtaining module 301 is configured to obtain a current geographical location area when receiving the payment operation.

The payment restriction module 302 is configured to terminate the payment operation if the geographical location area is a preset area.

Optionally, in a possible implementation manner of the present invention, the obtaining module 301 is specifically configured to:

Obtain the router ID of the current connection, and query the geographic location area corresponding to the router identifier.

Optionally, in a possible implementation manner of the present invention, the electronic payment device 3 further includes:

a setting module, configured to receive a geographically-restricted payment instruction sent by the pre-bound second terminal, where the geographically-defined payment instruction carries the address information;

The authentication module is configured to send a verification information request to the second terminal if the current geographical location is not available, where the verification information request is used to request the second terminal to send the authentication information;

Optionally, in a possible implementation manner of the disclosure, the authentication information may be character information or graphic information.

The embodiment of the present invention and the method embodiment of FIG. 2 are based on the same concept, and the technical effects thereof are also For the specific process, reference may be made to the description of the method embodiment 1, and details are not described herein again.

FIG. 4 is another schematic structural diagram of an electronic payment device according to an embodiment of the present invention. In the embodiment of the present invention, the electronic payment device 4 includes a processor 401, a memory 402, and a transceiver 403. The transceiver 403 is configured to transmit and receive data with and from an external device. The number of processors 401 in the electronic payment device 4 may be one or more. In some embodiments of the invention, processor 401, memory 402, and transceiver 403 may be coupled by a bus system or other means. The electronic payment device 4 can be used to perform the method shown in FIG. 2. For the meaning and examples of the terms involved in the embodiment, reference may be made to the corresponding embodiment of FIG. 2. I will not repeat them here.

The program code is stored in the memory 402. The processor 401 is configured to call program code stored in the memory 402 for performing the following operations:

When receiving the payment operation, obtain the current geographical location;

Optionally, the performing, by the processor 401, the acquiring the current geographic location area includes:

Optionally, before the processor 401 performs the receiving the payment operation, the method further includes:

Receiving a geographically-restricted payment instruction sent by the pre-bound second terminal; wherein the geographically-defined payment instruction carries the address information;

Optionally, the processor 401 is further configured to:

An embodiment of the present invention further provides a terminal including the foregoing electronic payment device, where the terminal includes but is not limited to piggybacking

Or terminals of other operating systems, such as mobile phones. Other terminals may also be used, such as a laptop or tablet or desktop computer with a touch-sensitive surface (eg, a touch screen display and/or a touch pad).

In the discussion that follows, a terminal including a display and a touch-sensitive surface is described. It should be understood, however, that the terminal can include one or more other physical user interface devices, such as a physical keyboard, mouse, and/or joystick.

Terminals typically support a variety of applications, such as one or more of the following: a drawing application, a rendering application, a word processing application, a web page creation application, a disk editing application, a spreadsheet application, a gaming application, Telephony applications, video conferencing applications, email applications, instant messaging applications, workout support applications, photo management applications, digital camera applications, digital video camera applications, web browsing applications, digital music player applications Program, and/or digital video player application.

The various applications that can be executed on the terminal can use at least one shared physical user interface device, such as a touch-sensitive surface. One or more functions of the touch-sensitive surface and corresponding information displayed on the terminal may be adjusted and/or changed from one application to the next and/or adjusted and/or varied within the respective application. In this way, the shared physical architecture of the terminal, such as a touch-sensitive surface, can support a variety of applications with a user interface that is intuitive to the user.

One of ordinary skill in the art can understand that all or part of the process of implementing the foregoing embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium. When executed, the flow of an embodiment of the methods as described above may be included. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

The above disclosure is only a preferred embodiment of the present invention, and of course, the scope of the present invention is not limited thereto, and those skilled in the art can understand all or part of the process of implementing the above embodiments, and according to the present invention. The equivalent changes required are still within the scope of the invention.

Claims

An electronic payment method, comprising:

When the first terminal receives the payment operation, acquiring the current geographical location area;

If the geographical location area is a preset area, the payment operation is terminated.
The method of claim 1, wherein the obtaining the current geographic location area comprises:

Obtaining current latitude and longitude coordinates, and querying a geographical location corresponding to the latitude and longitude coordinates; or

Obtain the router ID of the current connection, and query the geographic location area corresponding to the router identifier.
The method of claim 1, wherein before the receiving, by the first terminal, the payment operation, the method further comprises:

Receiving, by the first terminal, a geographically-restricted payment instruction sent by the second terminal that is pre-bound; wherein the geographically-defined payment instruction carries the address information;

Obtaining latitude and longitude coordinates corresponding to the address information, and setting a circular area centered on the latitude and longitude coordinates and within a preset radius as the preset area.
The method of claim 3, further comprising:

If the location of the current location is not available, the first terminal sends a verification information request to the second terminal, where the verification information request is used to request the second terminal to send the authentication information;

When the authentication information sent by the second terminal is received, and the authentication information is verified, the payment process is completed.
The method of claim 3 wherein said authentication information can be character information or graphical information.
An electronic payment device, comprising:

An obtaining module, configured to obtain a current geographical location when receiving a payment operation;

The payment restriction module is configured to terminate the payment operation if the geographical location area is a preset area.
The device according to claim 6, wherein the obtaining module is specifically configured to:

Obtaining current latitude and longitude coordinates, and querying a geographical location corresponding to the latitude and longitude coordinates; or

Obtain the router ID of the current connection, and query the geographic location area corresponding to the router identifier.
The device of claim 6 further comprising:

a setting module, configured to receive a geographically-restricted payment instruction sent by the pre-bound second terminal, where the geographically-defined payment instruction carries the address information;

Obtaining latitude and longitude coordinates corresponding to the address information, and setting a circular area centered on the latitude and longitude coordinates and within a preset radius as the preset area.
The device of claim 8 further comprising:

The authentication module is configured to send a verification information request to the second terminal if the current geographical location is not available, where the verification information request is used to request the second terminal to send the authentication information;

When the authentication information sent by the second terminal is received, and the authentication information is verified, the payment process is completed.
The apparatus of claim 8 wherein said authentication information can be character information or graphical information.