Method, apparatus and mobile terminal for improving payment security

A payment security and payment operation technology, applied in the computer field, can solve problems such as user property loss, wrong confirmation of payment behavior, etc.

Inactive Publication Date: 2015-08-12
BEIJING QIHOO TECH CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, there are still many wrong payment behaviors. For example, children’s random clicks or misoperations may wrongly confirm the payment behavior and cause the user’s property loss.

Method used

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  • Method, apparatus and mobile terminal for improving payment security
  • Method, apparatus and mobile terminal for improving payment security
  • Method, apparatus and mobile terminal for improving payment security

Examples

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Comparison scheme
Effect test

Embodiment 1

[0074] The embodiment of the present invention provides a method for improving payment security. It can be implemented on terminal equipment through application programs, such as user mobile terminal equipment such as mobile phones, tablets, and handheld computers.

[0075] figure 1 It is a flowchart of a method for improving payment security provided by this embodiment. The method specifically includes step S102 to step S110.

[0076] S102: Monitor pop-up window notifications triggered in the application program.

[0077] S104: Determine whether the pop-up window notification includes payment features.

[0078] S106: When the pop-up window notification includes payment features, shield the application program from sending payment text messages, and prompt the user to input preset authentication information.

[0079] S108: Receive and verify whether the authentication information input by the user is legal.

[0080] S110: When the authentication information is legal, perf...

Embodiment 2

[0083] This embodiment is a specific application scenario of the first embodiment above. Through this embodiment, the method provided by the present invention can be described more clearly and specifically.

[0084] Among them, this embodiment describes the method for improving payment security as follows:

[0085] In the current situation, taking China as an example, the major communication operators Mobile, China Unicom, and China Telecom all provide payment SDKs (Software Development Kits, software development kits), and provide interfaces for payment via SMS in the SDKs for payment Various applications use.

[0086] Application developers can complete payment by calling these interfaces. For example, a game can build the SDKs of three mobile operators into its game program, and use these payment interfaces to complete the payment service, especially for offline games. Game developers can set prices for the virtual items. When the user clicks to buy a virtual item, he can...

Embodiment 3

[0128] Figure 4 It is a structural block diagram of a device for improving payment security provided by an embodiment of the present invention, which is applied to SMS payment service, and the device 400 includes:

[0129] Behavior monitoring module 410, adapted to monitor the pop-up window notification triggered in the application program;

[0130] The judging module 420 is adapted to judge whether the pop-up notification includes payment features;

[0131] The prompting module 430 is adapted to block the permission of the application program to send payment short messages when the above-mentioned pop-up notification includes payment features, and prompt the user to input pre-set authentication information;

[0132] An authentication module 440, adapted to receive and verify whether the authentication information input by the user is legal;

[0133] The executing module 450 is adapted to execute the payment operation when the above authentication information is valid.

[...

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Abstract

The invention provides a method, apparatus and mobile terminal for improving payment security, and belongs to the field of computers. The method comprises following steps: monitoring popup window notifications triggered by application programs; determining whether payment features are included in the popup window notifications; shielding the authority for sending payment short messages through the application programs when the payment features are included in the popup window notifications, and reminding users of inputting preset authentication information; receiving the authentication information and verifying the validity of the authentication information; and executing payment operations when the authentication information is valid. By employing the method provided by the embodiment of the invention, when the popup window notifications including the payment features are found in an operation system, the mobile terminal is determined that short message payment occurs, the users are reminded of inputting the authentication information at the moment, and the payment only can be completed when the input authentication information is valid, so that a problem that the payment operations are clicked by mistakes during the payment is effectively solved, property losses for the users are prevented, and the security of the payment is improved.

Description

technical field [0001] The invention relates to the field of computers, in particular to a method, device and mobile terminal for improving payment security. Background technique [0002] At present, various application programs on mobile terminals are widely used, and there are many paid applications among them. When the application program is running, some of the functions require the user to pay a certain fee to use it, especially in the game program, there are a lot of charging behaviors. [0003] There are a variety of charging methods, generally speaking, mainly including deduction by sending short messages, calling the interface of the payment software to complete the deduction and so on. In order to prevent the excessive deduction of fees by the application program, the payment interface provided by the operator and payment software requires the application program to prompt the user with a pop-up window, and the payment operation can only be completed after the use...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/42
CPCG06Q20/42
Inventor 庞洲王冬孟齐源
Owner BEIJING QIHOO TECH CO LTD
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