Online payment method and device

Abstract

The present application discloses a network payment method and device, which is applied in the field of electronic technology, and includes: receiving a request for activation of a first password-free payment function of a first application of a first electronic device; the request for activation of the first password-free payment function carries usage restriction information of the password-free payment function; responding to the request for activation of the first password-free payment function, and storing the usage restriction information of the password-free payment function; obtaining the historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information. In the embodiment of the present application, by storing the usage restriction information and the historical usage record of the user using the password-free payment function, it is possible to judge the user's use of the password-free payment function, and then determine whether to prompt the user to close the password-free payment function of the corresponding application, and can promptly notify the user to close the password-free payment function when an abnormality occurs, thereby preventing the user's funds from being stolen or wasted.

Description

Technical Field

[0001] The present application relates to the field of electronic technology, and in particular to a network payment method and device. Background Art

[0002] Currently, consumer applications (for example, video applications, music applications, shopping applications, and food delivery applications, etc.) can apply to third-party payment applications for password-free payment functions. The password-free payment function includes: no need to verify the payment password or automatic renewal when paying. When using consumer applications to make purchases, automatic deductions can be completed without filling in a password.

[0003] In the prior art, the password-free payment function has certain risks or waste of funds. For example, when using train ticket software to buy train tickets, since there are no remaining tickets, users need to activate the password-free payment function to grab tickets. When there are remaining tickets, the money will be automatically deducted. However, under normal circumstances, the frequency of purchasing train tickets is low, and because the password-free payment function is monitored by third-party payment software, if the train ticket software is not used for a long time, the user does not pay attention to the use of the train ticket software, and there is a risk of fraud. In addition, if the user activates automatic renewal for a video application or an audio application, if the user forgets that the automatic renewal function has been activated, the video application or the audio application will continue to be automatically renewed when it has not been used for a long time, and there will be a problem of waste of funds. Summary of the invention

[0004] The purpose of the embodiments of the present application is to provide an online payment method that can solve the problem of risks or waste of funds when current consumer applications enable the password-free payment function.

[0005] In order to solve the above technical problems, this application is implemented as follows:

[0006] In a first aspect, an embodiment of the present application provides an online payment method, the method comprising:

[0007] Receiving a request for activating a first password-free payment function of a first application of a first electronic device; the request for activating the first password-free payment function carries usage restriction information of the password-free payment function;

[0008] Responding to the activation request of the first password-free payment function, and storing usage restriction information of the password-free payment function;

[0009] Obtaining historical usage records of the password-free payment function of the first application;

[0010] Determine whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information.

[0011] In a second aspect, an embodiment of the present application provides a network payment device, the device comprising:

[0012] A receiving module, configured to receive a request for activating a first password-free payment function of a first application of a first electronic device; the request for activating the first password-free payment function carries usage restriction information of the password-free payment function;

[0013] A storage module, used to respond to the activation request of the first password-free payment function and store the usage restriction information of the password-free payment function;

[0014] An acquisition module, used to acquire historical usage records of the password-free payment function of the first application;

[0015] A determination module is used to determine whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information.

[0016] In a third aspect, an embodiment of the present application provides an electronic device, which includes a processor, a memory, and a program or instruction stored in the memory and executable on the processor, wherein the program or instruction, when executed by the processor, implements the steps of the method described in the first aspect.

[0017] In a fourth aspect, an embodiment of the present application provides a readable storage medium, on which a program or instruction is stored, and when the program or instruction is executed by a processor, the steps of the method described in the first aspect are implemented.

[0018] In a fifth aspect, an embodiment of the present application provides a chip, comprising a processor and a communication interface, wherein the communication interface is coupled to the processor, and the processor is used to run a program or instruction to implement the method described in the first aspect.

[0019] In an embodiment of the present application, the method includes: receiving an activation request for a first password-free payment function of a first application of a first electronic device; the activation request for the first password-free payment function carries usage restriction information of the password-free payment function; responding to the activation request for the first password-free payment function and storing the usage restriction information of the password-free payment function; obtaining a historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information. In an embodiment of the present application, the user's usage of the password-free payment function can be judged by the stored usage restriction information set by the user when the password-free payment function is activated and the historical usage record of the user using the password-free payment function, and then determining whether to prompt the user to close the password-free payment function of the corresponding application, and when an abnormality occurs, the user can be notified in time to close the password-free payment function, thereby preventing the user's funds from being stolen or wasted. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 A flowchart showing the steps of the first online payment method in an embodiment of the present application is shown;

[0021] Figure 2 A flowchart showing the steps of a second online payment method in an embodiment of the present application is shown;

[0022] Figure 3 A flowchart showing the steps of the third online payment method in an embodiment of the present application is shown;

[0023] Figure 4 A structural block diagram of a network payment device in an embodiment of the present application is shown;

[0024] Figure 5 A structural block diagram of an electronic device in an embodiment of the present application is shown;

[0025] Figure 6 A structural block diagram of an electronic device in an embodiment of the present application is shown. DETAILED DESCRIPTION

[0026] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0027] The terms "first", "second", etc. in the specification and claims of the present application are used to distinguish similar objects, and are not used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable under appropriate circumstances, so that the embodiments of the present application can be implemented in an order other than those illustrated or described here, and the objects distinguished by "first", "second", etc. are generally of one type, and the number of objects is not limited. For example, the first object can be one or more. In addition, "and / or" in the specification and claims represents at least one of the connected objects, and the character " / " generally indicates that the objects associated with each other are in an "or" relationship.

[0028] The following is a detailed description of the network payment method provided by the embodiment of the present application through specific embodiments and their application scenarios in conjunction with the accompanying drawings.

[0029] Reference Figure 1 , shows a flowchart of the steps of the first online payment method of the embodiment of the present application, which may specifically include the following steps:

[0030] Step 101: receiving a request for activating a first password-free payment function of a first application of a first electronic device; the request for activating the first password-free payment function carries usage restriction information of the password-free payment function.

[0031] In the application embodiment, the first application includes: video applications, audio applications, shopping applications or ticket booking applications and other applications that can be consumed. The password-free payment function refers to a function that the first application enables to pay through a third-party payment application without a password. For example, for video applications, a fixed fee needs to be paid every month to enjoy the paid videos of the video application. After the user activates the password-free payment function, the video application can be renewed at a fixed rate after each month; for shopping applications, after the user activates the password-free payment function, for small payments, there is no need to enter a password, and the goods can be purchased directly; for ticket booking applications, when there are no corresponding remaining tickets, the user can set up ticket grabbing after activating the password-free payment function, and when there are remaining tickets, the ticket grabbing and payment can be automatically performed.

[0032] In an embodiment of the present application, when the user activates the password-free payment function, the user enters the usage restriction information on the display interface corresponding to the first application, and sends the usage restriction information and the activation request of the first password-free payment function to the server. The usage restriction request includes: the password-free payment function period, the password-free payment function number threshold, the first preset frequency corresponding to the paid content in the first application, the second preset frequency corresponding to the first application, the application name of the first application, the first user identifier, and at least one of the identification code of the first electronic device. The application name of the first application, the first user identifier, and the identification code of the first electronic device can be authorized by the user and obtained by the server from the first application.

[0033] In the embodiment of the present application, the activation request of the first password-free payment function also carries: payment object and payment method. The payment object refers to the function of the first application corresponding to the password-free payment function; for example, the payment object of the train ticket application is that the first application automatically performs the password-free payment function when grabbing the ticket or does not need to enter a password to pay when purchasing the train ticket; the payment object of the video application is that the membership is automatically renewed.

[0034] In an embodiment of the present application, the user may also send a request to activate the first password-free payment function. The activation request for the first password-free payment function carries the application name of the first application. The server sends a prompt to the first application to enter usage restriction information according to the category to which the application name belongs. The user enters the usage restriction information on the display interface according to the prompt and sends it to the server.

[0035] Step 102, responding to the activation request of the first password-free payment function, and storing usage restriction information of the password-free payment function.

[0036] In an embodiment of the present application, responding to the activation request of the first password-free payment function is to agree to the first application to activate the password-free payment function, so the first application can pay for the corresponding consumption without a password.

[0037] In the embodiment of the present application, the usage restriction information needs to be stored for subsequent use. The usage restriction information can be stored in a cloud space so that the user can still obtain the usage restriction information when the first mobile device is damaged, lost or replaced. Specifically, a correspondence can be established between the first electronic device, the first application, the first user, the password-free payment function and the usage restriction information.

[0038] In an embodiment of the present application, the first electronic device includes multiple first applications. After establishing a correspondence between each first application and its corresponding first user, password-free payment function and usage restriction information, they can be stored in a cloud storage space in the form of a list, as shown in Table 1.

[0039] Table 1

[0040]

[0041] In an embodiment of the present application, multiple first applications that enable the password-free payment function can be classified and listed according to the type of the first application, such as setting video applications as one list and shopping applications as another list. Classified lists can also be made according to the type of the password-free payment function enabled, for example, the first application that enables automatic renewal can be set as one list, and the first application that enables the password-free payment function can be set as one list. Among them, the division into multiple lists is to facilitate user search. In an embodiment of the present application, the first application can also be classified and listed according to the time when the password-free payment function is enabled, which is not limited here.

[0042] In the embodiment of the present application, the server can establish a list of password-free payment functions enabled for each first user, so that the first user can manage the applications with password-free payment functions enabled under his / her name. Even if the first user has multiple electronic devices, they can be managed accurately and effectively in real time.

[0043] In an embodiment of the present application, a connection is established between the payment behavior of each first application and the mobile wallet, and the mobile wallet is used to uniformly manage various payments of each first application to realize the one-card function, which can not only manage the password-free payment function, but also manage the user's own financial status in real time, and have a timely and clear understanding of the income and expenditure status.

[0044] Among them, when the first electronic device is in use, the above-mentioned table 1 can be sent to the first electronic device, and the user can directly see which applications of the password-free payment function are activated on the first electronic device, thereby preventing theft or waste of funds due to too many applications on the first electronic device and the user forgetting to activate the password-free applications.

[0045] Step 103, obtaining the historical usage record of the password-free payment function of the first application.

[0046] In the embodiment of the present application, the historical usage record includes: the activation time of the password-free payment function, the number of payments made by the first application through the password-free payment function, the click frequency of the paid content in the first application, and the usage frequency of the first application. The server can determine the usage of the first application and the usage of the password-free payment function according to the historical usage record to determine whether it is necessary for the first application to activate the password-free payment function.

[0047] In the embodiment of the present application, the historical usage record may also include operation records of other users on the first application, which is not limited here.

[0048] In an embodiment of the present application, an interval time can be set, and at each interval time, a historical usage record of the password-free payment function of the first application is obtained to achieve real-time monitoring of the first application that has enabled the password-free payment function.

[0049] Step 104: Determine whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information.

[0050] In an embodiment of the present application, the usage restriction conditions include: some numerical values ​​entered by the user; when the historical usage records reach the range set by these numerical values, the first application is prompted to turn off the password-free payment function; when the historical usage records do not reach the range set by these numerical values, the historical usage records continue to be obtained.

[0051] Specifically, when the usage restriction information includes: the period of the password-free payment function, and the historical usage record includes: the activation duration of the password-free payment function, if the activation duration of the password-free payment function matches the period of the password-free payment function, a prompt is given as to whether to close the password-free payment function of the first application.

[0052] When the usage restriction information includes: the number threshold of the password-free payment function; the historical usage record includes: the number of payments made by the first application through the password-free payment function; if the number of payments reaches the number threshold of the password-free payment function, a prompt is given whether to turn off the password-free payment function of the first application.

[0053] When the usage restriction information includes: the first preset frequency corresponding to the paid content in the first application; the historical usage record includes: the click frequency of the paid content; if the click frequency is less than the first preset frequency, a prompt is given as to whether to turn off the password-free payment function of the first application.

[0054] When the usage restriction information includes: a second preset frequency corresponding to the first application, the historical usage record includes: the usage frequency of the first application; if the usage frequency is less than the second preset frequency, a prompt is given as to whether to turn off the password-free payment function of the first application.

[0055] In an embodiment of the present application, when the user agrees to turn off the password-free payment function of the first application, all relevant information corresponding to the first application will be removed from the list, which facilitates the management of other applications that have enabled the password-free payment function.

[0056] In an embodiment of the present application, the method includes: receiving an activation request for a first password-free payment function of a first application of a first electronic device; the activation request for the first password-free payment function carries usage restriction information of the password-free payment function; responding to the activation request for the first password-free payment function and storing the usage restriction information of the password-free payment function; obtaining a historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information. In an embodiment of the present application, the user's usage of the password-free payment function can be judged by the stored usage restriction information set by the user when the password-free payment function is activated and the historical usage record of the user using the password-free payment function, and then determining whether to prompt the user to close the password-free payment function of the corresponding application, and when an abnormality occurs, the user can be notified in time to close the password-free payment function, thereby preventing the user's funds from being stolen or wasted.

[0057] Reference Figure 2 , shows a flow chart of the steps of the second online payment method of the embodiment of the present application, which may specifically include the following steps:

[0058] Step 201: receiving a request for activating a first password-free payment function of a first application of a first electronic device; the request for activating the first password-free payment function carries usage restriction information of the password-free payment function.

[0059] Refer to the above step 101, which will not be repeated here.

[0060] Step 202, respond to the activation request of the first password-free payment function, and store the usage restriction information of the password-free payment function.

[0061] Refer to the above step 102, which will not be described again.

[0062] Step 203, obtaining the historical usage record of the password-free payment function of the first application.

[0063] Refer to step 103, which will not be described again here.

[0064] Step 204: If the activation time of the password-free payment function meets the period of the password-free payment function, a prompt is given as to whether to close the password-free payment function of the first application.

[0065] In an embodiment of the present application, if the usage restriction information includes: the term of the password-free payment function, the historical usage record includes: the activation time of the password-free payment function; wherein the user can enter the term of the password-free payment function for the type of the first application; for example, for video applications or audio applications, the password-free payment function that is activated is usually automatically renewed. If the user activates the automatic renewal for monthly payment, the term of the password-free payment function can be set to one month, and then the user will be prompted whether to turn off the password-free payment function of the first application before the automatic renewal in the next month. If the user activates the automatic renewal for quarterly payment, the term of the password-free payment function can be set to three months, and the user will be prompted whether to turn off the password-free payment function of the first application before the automatic renewal in the next quarter. For shopping applications, the password-free payment function is usually activated for small-amount password-free payment functions. The user can set the term of the password-free payment function according to his or her needs. For example, during shopping festivals, since the password-free payment function is often used, the term of the password-free payment function is set longer, and a reminder is set once a month or two months. If at other times, due to less shopping, a reminder can be set once half a month.

[0066] In the embodiment of the present application, the user can flexibly set the duration of the password-free payment function according to the type of the first application. If the activation duration of the password-free payment function meets the duration of the password-free payment function, it includes: when the activation duration of the password-free payment function is an integer multiple of the duration of the password-free payment function, a prompt is given as to whether to close the password-free payment function of the first application. Specifically, a touch icon is displayed on the display interface of the first electronic device: confirm closing, cancel closing, modify the duration of the password-free payment function; the user can touch the corresponding touch icon to implement the corresponding function. After choosing to modify the duration of the password-free payment function, the time for modifying the duration of the password-free payment function can be used as the start time for the subsequent calculation of the activation duration of the password-free payment function.

[0067] Optionally, step 204 may be replaced by: if the number of payments reaches the password-free payment function number threshold, prompting whether to turn off the password-free payment function of the first application.

[0068] Among them, the user can input the threshold of the number of times of the password-free payment function according to the type of the first application; for example, for video applications or audio applications, the password-free payment function is usually automatically renewed. If the user only wants to use monthly payment for three months, the threshold of the number of times of the password-free payment function can be set to three times. When the user wants to use quarterly payment for six months, the threshold of the number of times of the password-free payment function can be set to two times. For shopping applications, the password-free payment function is usually a small amount of password-free payment function. The user can set the threshold of the number of times of the password-free payment function according to their needs. For example, during shopping festivals, since the password-free payment function is often used, the threshold of the number of times of the password-free payment function is set to be larger, and a reminder is set once every 10 or 20 times. If at other times, due to less shopping, the threshold of the number of times of the password-free payment function can be set to 3 times or 5 times.

[0069] In the embodiment of the present application, the user can flexibly set the threshold of the number of password-free payment functions according to the type of the first application and his own needs, which is not limited here.

[0070] In the embodiment of the present application, step 204 may also be replaced by: if the click frequency is less than the first preset frequency, prompt whether to turn off the password-free payment function of the first application.

[0071] Among them, the first application is a video application or an audio application. If the user has activated the password-free payment function (automatic renewal A) for the first membership service of the first application, in fact, only a part of the content in the video application or the audio application is the paid content corresponding to the first membership service. If the user does not click on this part of the paid content for a long time and only clicks on the non-paid content, it will cause a waste of funds. Therefore, the user can be prompted whether to turn off the password-free payment function.

[0072] In the embodiment of the present application, the first application includes paid content and non-paid content; the paid content includes: multiple levels of paid content, and different password-free payment functions can be corresponding to different levels of paid content, and different first preset frequencies are set for paid content corresponding to different password-free payment functions. For example, video application A includes: movies currently being shown, popular movies, VIP videos, and free videos; the user activates the password-free payment function x1 for movies currently being shown, the password-free payment function x2 for popular movies, and the password-free payment function x3 for VIP videos. Among them, the prices corresponding to the password-free payment function x1, the password-free payment function x2, and the password-free payment function x3 are also different.

[0073] In an embodiment of the present application, when the click frequency is less than the first preset frequency, a prompt is given as to whether to turn off the password-free payment function of the first application; this can avoid the problem of the user having to pay when the user does not use the paid content for a long time, resulting in a waste of funds.

[0074] In an embodiment of the present application, step 204 may also be, if the usage frequency is less than a second preset frequency, prompting whether to turn off the password-free payment function of the first application.

[0075] In an embodiment of the present application, the user can set the second preset frequency according to his or her own needs. For example, if the user often watches videos, the second preset frequency corresponding to the video application can be set higher, such as starting the first application 50 times in ten days. If the user seldom buys train tickets, the second preset frequency of the first application for purchasing train tickets can be set lower, such as once a month.

[0076] In the embodiment of the present application, the activity of the first application can also be determined according to the frequency of use of the first application, and whether to prompt to close the password-free payment function can be determined according to the activity of the first application. For example, when the first application is opened and used every day, the first application is set to be extremely active; when the first application is opened 3-5 days a week, the first application is set to be active; when the first application is opened 1-2 days a week, the first application is set to be generally active; when the first application is not used for a week or used 1-2 days a month, or the opening time each time is less than 10 seconds, the first application is set to be inactive, and the inactive first application is prompted whether to close the password-free payment function.

[0077] In the embodiment of the present application, when the user's usage frequency of the first application is very low, activating the password-free payment function of the first application may easily lead to fraudulent payment. Therefore, the second preset frequency can be set to prevent funds from being stolen.

[0078] In the embodiment of the present application, the usage restriction information also includes: the period for closing the password-free payment function. If the activation time of the password-free payment function is greater than the period for the password-free payment function, the password-free payment function can be automatically closed, and after closing the password-free payment function, the user is prompted that the password-free payment function of the first application has been closed. This facilitates the user to control the password-free payment function of the first application to prevent theft or waste of funds.

[0079] Reference Figure 3 , shows a flowchart of the steps of the third online payment method of the embodiment of the present application, which may specifically include the following steps:

[0080] Step 301: receiving a request for activating a first password-free payment function of a first application of a first electronic device; the request for activating the first password-free payment function carries usage restriction information of the password-free payment function.

[0081] Refer to step 101, which will not be repeated here.

[0082] Step 302, respond to the activation request of the first password-free payment function, and store the usage restriction information of the password-free payment function.

[0083] In an embodiment of the present application, the usage restriction information includes: an application name of the first application. The application name of the first application is stored in a cloud storage space, and the cloud storage space stores multiple applications of the first electronic device that enable the password-free payment function.

[0084] For other contents, please refer to step 102 and will not be repeated here.

[0085] Step 303: Scan the second electronic device according to the application name.

[0086] In the embodiment of the present application, when the user changes the electronic device, when using the second electronic device, if the user forgets the password-free payment function that has been enabled by the first application, and the second electronic device does not have the first application, the user can scan the second mobile electronic device by application name to determine whether the second electronic device has the first application.

[0087] Among them, when there are multiple application names, multiple application names can be used to scan the second electronic device, and then the application name corresponding to the first application that is not in the second electronic device, the activated password-free payment function and the password-free payment function period are sent to the second electronic device and displayed in the form of a list in the second electronic device to prevent the user from forgetting to activate the first application with the password-free payment function, resulting in a waste of funds.

[0088] Step 304: If the first application is not scanned in the second electronic device, the second electronic device is prompted whether to disable the password-free payment function of the first application, or a link URL for downloading the first application is sent to the second electronic device.

[0089] In the embodiment of the present application, when the first application is scanned in the second electronic device, the above steps 203 and 204 can continue to be performed on the second electronic device, which will not be repeated here.

[0090] In an embodiment of the present application, if the first application is not scanned in the second electronic device, it may mean that the user no longer needs the first application or has forgotten to download the first application or has not had time to download the first application after changing the electronic device; the second electronic device is prompted whether to turn off the password-free payment function of the first application, so that the user can turn off the password-free payment function of the first application in time to prevent waste of funds; or a link URL for downloading the first application is sent to the second electronic device to increase the traffic of the download website.

[0091] In an embodiment of the present application, the server may also execute the execution of obtaining an activation request for a second password-free payment function submitted by a second application of a third electronic device, the activation request for the second password-free payment function including: a second user identifier; if the second user corresponding to the second user identifier is a subordinate user of the first user corresponding to the first user identifier, sending the activation request for the second password-free payment function to the first electronic device; receiving confirmation activation information or refusal activation information from the first electronic device regarding the request for the second password-free payment function; if a load limit request for the first application is obtained, prompting whether to close the password-free payment function of the first application; if a setting request to add the first application to the whitelist is obtained, prohibiting the prompting whether to close the password-free payment function of the first application.

[0092] In the embodiment of the present application, the usage restriction information includes: a first user identifier, wherein the first user identifier is an identifier corresponding to a first user who uses a first electronic device to activate a password-free payment function of a first application.

[0093] In an embodiment of the present application, the second user identifier may be an identifier corresponding to a second user who uses a third electronic device to activate the password-free payment function of the second application.

[0094] In an embodiment of the present application, when each application activates the password-free payment function, it is necessary to obtain the corresponding user identifier to establish a corresponding relationship between the corresponding application, the password-free payment function and the user for easy management.

[0095] In an embodiment of the present application, the third electronic device and the first electronic device are different electronic devices, and the second application and the first application may be the same or different applications. For example, parent A uses mobile phone A to activate the password-free payment function of video A, and child B uses mobile phone B to activate the password-free payment function of video A.

[0096] In the embodiment of the present application, a corresponding subordinate relationship between a first user and multiple second users can be established in advance. Among them, the first user is a parent, and the second user is a child or an elderly person. When the child or the elderly person wants to activate the password-free payment function, the activation request of the second password-free payment function can be sent to the first electronic device, so that the first user is informed that the second user wants to activate the password-free payment function of the second application, which can prevent the second user from mistakenly activating the password-free payment function, resulting in theft or waste of funds.

[0097] In an embodiment of the present application, when the second user wants to activate the password-free payment function of the second application, the consent of the first user is required, which can prevent theft and waste of funds.

[0098] In an embodiment of the present application, the relevant information of the password-free payment function of multiple second applications of the third electronic device can also be listed, and the list is sent to the first user of the first electronic device, so that the first user can manage the password-free payment function opened by the second user. The specific management method is the same as other management methods in the embodiment of the present application, and will not be repeated here. In the embodiment of the present application, the first user manages the password-free payment function opened by the second user, which can assist the elderly or children to close unnecessary password-free payment functions in time.

[0099] In an embodiment of the present application, if the user wants to limit the load of the first application, the user needs to be prompted whether to turn off the password-free payment function of the first application to prevent the automatic renewal of the application after the first application is limited, resulting in a waste of funds. When the application with the password-free payment function turned on is not used for a long time, the problem of fund theft may occur. The embodiment of the present application can ensure the safety of the user's funds after the user limits the load of the first application.

[0100] In an embodiment of the present application, if the user believes that the interval reminder to turn off the password-free payment function will cause disturbance, the first application that does not need to be reminded can be added to the whitelist, and the relevant information of the password-free payment function enabled by the first application can be found by obtaining the list shown in the above table 1. The server will no longer prompt the first application whether to turn off the password-free payment function, so as to avoid disturbing the user.

[0101] In an embodiment of the present application, the server may also obtain the number of times the lock screen password for the first electronic device is entered; if the number of inputs is greater than a threshold number, the password-free payment function of the first application is locked; if a fingerprint unlock for the first electronic device is received, the password-free payment function of the first application is unlocked.

[0102] In the embodiment of the present application, the usage restriction information includes: a number threshold.

[0103] In the embodiment of the present application, when the first electronic device is lost, other users are usually unable to retrieve the first electronic device through fingerprints, and the lock screen password may be used to unlock the first electronic device multiple times. In the embodiment of the present application, the server can obtain the number of inputs for unlocking the lock screen password, and then determine whether the first electronic device may be lost.

[0104] In the embodiment of the present application, the user can set the number threshold in advance, which can be set to 3 times or 5 times, which is not limited here. When the number of inputs is greater than the number threshold, it can be explained that the first electronic device is abnormally unlocked, may be lost or misoperated, and the password-free payment function of the first application is locked to prevent theft of funds.

[0105] In an embodiment of the present application, if a fingerprint unlock is received, it means that the user of the first electronic device is unlocking it, and the frequent input of the lock screen password is due to input errors, then the password-free payment function of the first application is unlocked to facilitate the user's password-free payment function.

[0106] In the embodiment of the present application, by locking the password-free payment function when the number of times the lock screen password is entered exceeds a threshold number, it is possible to prevent theft of funds after the electronic device is lost.

[0107] In an embodiment of the present application, the server may also obtain a current device identification code when the first application performs the password-free payment function; if the current device identification code does not match the identification code of the first electronic device, the password-free payment function is rejected.

[0108] In the embodiment of the present application, the usage restriction information includes: an identification code of the first electronic device.

[0109] In an embodiment of the present application, the user can set only the first electronic device to use the password-free payment function of the first application, and thus upload the identification code of the first electronic device to the server.

[0110] In an embodiment of the present application, each time the first application performs a password-free payment function, the current device identification code performing the password-free payment function is obtained to facilitate determination of whether the current device used for payment is the first electronic device set by the user.

[0111] In the embodiment of the present application, for example, when the first electronic device is a mobile phone, the identification code of the mobile phone is MEID (Mobile Equipment Identifier).

[0112] In an embodiment of the present application, if the current device identification code does not match the identification code of the first electronic device, it means that the account and password of the first application may be at risk of being stolen. Therefore, rejecting the password-free payment function can ensure the security of funds and prevent fund theft.

[0113] In the embodiments of the present application, the second to sixth online payment methods mentioned above are all for explaining some embodiments of the present application, and any combination of the above online payment methods is within the protection scope of the present application.

[0114] In the embodiment of the present application, it also includes sending abnormal information to the first user through SMS or chat application, prompting the first user to pay attention to abnormal payment information, modify account password, close the password-free payment function or update the identification code recorded in the payment system, etc.; after obtaining the user's update of the identification code of the first electronic device, by obtaining the verification information of the first user, updating the electronic device bound to the password-free payment function of the first application. Wherein, the verification information includes: fingerprint verification.

[0115] In an embodiment of the present application, the method includes: receiving an activation request for a first password-free payment function of a first application of a first electronic device; the activation request for the first password-free payment function carries usage restriction information of the password-free payment function; responding to the activation request for the first password-free payment function and storing the usage restriction information of the password-free payment function; obtaining a historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information. In an embodiment of the present application, the user's usage of the password-free payment function can be judged by the stored usage restriction information set by the user when the password-free payment function is activated and the historical usage record of the user using the password-free payment function, and then determining whether to prompt the user to close the password-free payment function of the corresponding application, and when an abnormality occurs, the user can be notified in time to close the password-free payment function, thereby preventing the user's funds from being stolen or wasted.

[0116] Reference Figure 4 , shows a structural block diagram of a network device 400 according to an embodiment of the present application, which may specifically include:

[0117] The receiving module 401 is configured to receive a request for activating a first password-free payment function of a first application of a first electronic device; the request for activating the first password-free payment function carries usage restriction information of the password-free payment function;

[0118] The storage module 402 is used to respond to the activation request of the first password-free payment function and store the usage restriction information of the password-free payment function;

[0119] An acquisition module 403 is used to acquire a historical usage record of the password-free payment function of the first application;

[0120] The determination module 404 is used to determine whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information.

[0121] The usage restriction information includes: the duration of the password-free payment function, and the historical usage record includes: the activation time of the password-free payment function;

[0122] The determination module 404 is specifically configured to prompt whether to close the password-free payment function of the first application if the activation duration of the password-free payment function meets the password-free payment function period.

[0123] The usage restriction information includes: a threshold of the number of times of the password-free payment function; the historical usage record includes: the number of times the first application makes payments through the password-free payment function;

[0124] The determination module 404 is specifically configured to prompt whether to disable the password-free payment function of the first application if the number of payments reaches the password-free payment function number threshold.

[0125] The usage restriction information includes: a first preset frequency corresponding to the paid content in the first application; the historical usage record includes: a click frequency on the paid content;

[0126] The determination module 404 is specifically configured to prompt whether to disable the password-free payment function of the first application if the click frequency is less than a first preset frequency.

[0127] The usage restriction information includes: the application name of the first application, and the device further includes:

[0128] A scanning module, used for scanning a second electronic device according to the application name;

[0129] The prompt module is used to prompt the second electronic device whether to turn off the password-free payment function of the first application if the first application is not scanned in the second electronic device, or to send a link URL for downloading the first application to the second electronic device.

[0130] The device embodiment of the present application refers to the above method embodiment and will not be repeated here.

[0131] In an embodiment of the present application, the method includes: receiving an activation request for a first password-free payment function of a first application of a first electronic device; the activation request for the first password-free payment function carries usage restriction information of the password-free payment function; responding to the activation request for the first password-free payment function and storing the usage restriction information of the password-free payment function; obtaining a historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information. In an embodiment of the present application, the user's usage of the password-free payment function can be judged by the stored usage restriction information set by the user when the password-free payment function is activated and the historical usage record of the user using the password-free payment function, and then determining whether to prompt the user to close the password-free payment function of the corresponding application, and when an abnormality occurs, the user can be notified in time to close the password-free payment function, thereby preventing the user's funds from being stolen or wasted.

[0132] The detection method of wearing the implementation method in the embodiment of the present application can be a device, or a component, integrated circuit, or chip in a terminal. The device can be a mobile electronic device or a non-mobile electronic device. Exemplarily, the mobile electronic device can be a mobile phone, a tablet computer, a laptop computer, a palmtop computer, an in-vehicle electronic device, a wearable device, an ultra-mobile personal computer (ultra-mobile personal computer, UMPC), a netbook or a personal digital assistant (personal digital assistant, PDA), etc., and the non-mobile electronic device can be a server, a network attached storage (Network Attached Storage, NAS), a personal computer (personal computer, PC), a television (television, TV), a teller machine or a self-service machine, etc., which is not specifically limited in the embodiment of the present application.

[0133] The detection method for implementing the method of wearing in the embodiment of the present application can be a device with an operating system. The operating system can be an Android operating system, an iOS operating system, or other possible operating systems, which are not specifically limited in the embodiment of the present application.

[0134] The device for implementing the detection method of wearing provided by the embodiment of the present application can realize Figure 1-Figure 3 The process of implementing the method embodiment is not described here to avoid repetition.

[0135] Optional, such as Figure 5As shown, an embodiment of the present application also provides an electronic device 800, including a processor 801, a memory 802, and a program or instruction stored in the memory 802 and executable on the processor 801. When the program or instruction is executed by the processor 801, the process of the above-mentioned method network payment method embodiment is implemented, and the same technical effect can be achieved. To avoid repetition, it will not be repeated here.

[0136] It should be noted that the electronic devices in the embodiments of the present application include the mobile electronic devices and non-mobile electronic devices mentioned above.

[0137] Figure 6 A schematic diagram of the hardware structure of an electronic device to implement an embodiment of the present application.

[0138] The electronic device 1000 includes but is not limited to components such as a radio frequency unit 1010, a network module 1020, an audio output unit 1030, an input unit 1040, a sensor 1050, a display unit 1060, a user input unit 1070, an interface unit 1080, an interface unit 1090, and a processor 1100.

[0139] Those skilled in the art will appreciate that the electronic device 1000 may also include a power source (such as a battery) for powering components, and the power source may be logically connected to the processor 1100 through a power management system, thereby implementing functions such as managing charging, discharging, and power consumption management through the power management system. Figure 6 The electronic device structure shown in the figure does not constitute a limitation on the electronic device. The electronic device may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently, which will not be described in detail here.

[0140] Processor 1100 is used to receive a request for activation of a first password-free payment function of a first application of a first electronic device; the request for activation of the first password-free payment function carries usage restriction information of the password-free payment function; respond to the request for activation of the first password-free payment function and store the usage restriction information of the password-free payment function; obtain a historical usage record of the password-free payment function of the first application; and determine whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information.

[0141] In an embodiment of the present application, the method includes: receiving an activation request for a first password-free payment function of a first application of a first electronic device; the activation request for the first password-free payment function carries usage restriction information of the password-free payment function; responding to the activation request for the first password-free payment function and storing the usage restriction information of the password-free payment function; obtaining a historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information. In an embodiment of the present application, the user's usage of the password-free payment function can be judged by the stored usage restriction information set by the user when the password-free payment function is activated and the historical usage record of the user using the password-free payment function, and then determining whether to prompt the user to close the password-free payment function of the corresponding application, and when an abnormality occurs, the user can be notified in time to close the password-free payment function, thereby preventing the user's funds from being stolen or wasted.

[0142] Processor 1100 is also used for the usage restriction information including: a threshold number of times for the password-free payment function; the historical usage record including: the number of payments made by the first application through the password-free payment function; if the number of payments reaches the threshold number of times for the password-free payment function, prompting whether to turn off the password-free payment function of the first application.

[0143] Processor 1100 is also used for the usage restriction information including: a first preset frequency corresponding to the paid content in the first application; the historical usage record includes: the click frequency of the paid content; if the click frequency is less than the first preset frequency, prompting whether to turn off the password-free payment function of the first application.

[0144] Processor 1100 is also used for the usage restriction information including: the application name of the first application, scanning the second electronic device according to the application name; if the first application is not scanned in the second electronic device, prompting the second electronic device whether to turn off the password-free payment function of the first application, or sending a link URL for downloading the first application to the second electronic device.

[0145] In an embodiment of the present application, the method includes: receiving an activation request for a first password-free payment function of a first application of a first electronic device; the activation request for the first password-free payment function carries usage restriction information of the password-free payment function; responding to the activation request for the first password-free payment function and storing the usage restriction information of the password-free payment function; obtaining a historical usage record of the password-free payment function of the first application; and determining whether to prompt to close the password-free payment function of the first application based on the historical usage record and the usage restriction information. In an embodiment of the present application, the user's usage of the password-free payment function can be judged by the stored usage restriction information set by the user when the password-free payment function is activated and the historical usage record of the user using the password-free payment function, and then determining whether to prompt the user to close the password-free payment function of the corresponding application, and when an abnormality occurs, the user can be notified in time to close the password-free payment function, thereby preventing the user's funds from being stolen or wasted.

[0146] It should be understood that in the embodiment of the present application, the input unit 1040 may include a graphics processor (Graphics Processing Unit, GPU) 2041 and a microphone 2042, and the graphics processor 2041 processes the image data of the static picture or video obtained by the image capture device (such as a camera) in the video capture mode or the image capture mode. The display unit 1060 may include a display panel 2061, and the display panel 1061 may be configured in the form of a liquid crystal display, an organic light emitting diode, etc. The user input unit 107 includes a touch panel 1071 and other input devices 1072. The touch panel 1071 is also called a touch screen. The touch panel 1071 may include two parts: a touch detection device and a touch controller. Other input devices 1072 may include, but are not limited to, a physical keyboard, a function key (such as a volume control button, a switch button, etc.), a trackball, a mouse, and a joystick, which will not be repeated here. The interface unit 1090 can be used to store software programs and various data, including but not limited to applications and operating systems. The processor 1100 may integrate an application processor and a modem processor, wherein the application processor mainly processes an operating system, a user interface, and application programs, and the modem processor mainly processes wireless communications. It is understandable that the modem processor may not be integrated into the processor 1100.

[0147] The embodiment of the present application also provides a readable storage medium, on which a program or instruction is stored. When the program or instruction is executed by a processor, the process of the above-mentioned network payment method embodiment is implemented and the same technical effect can be achieved. To avoid repetition, it will not be repeated here.

[0148] The processor is a processor in the electronic device described in the above embodiment. The readable storage medium includes a computer readable storage medium, such as a computer read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0149] An embodiment of the present application further provides a chip, which includes a processor and a communication interface, wherein the communication interface is coupled to the processor, and the processor is used to run a program or instruction to implement the process of the above-mentioned method network payment method embodiment, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0150] It should be understood that the chip mentioned in the embodiments of the present application can also be called a system-level chip, a system chip, a chip system or a system-on-chip chip, etc.

[0151] It should be noted that, in this article, the terms "comprise", "include" or any other variant thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device including a series of elements includes not only those elements, but also includes other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise one..." do not exclude the presence of other identical elements in the process, method, article or device including the element. In addition, it should be pointed out that the scope of the methods and devices in the embodiments of the present application is not limited to performing functions in the order shown or discussed, and may also include performing functions in a substantially simultaneous manner or in reverse order according to the functions involved, for example, the described method may be performed in an order different from that described, and various steps may also be added, omitted, or combined. In addition, the features described with reference to certain examples may be combined in other examples.

[0152] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, a magnetic disk, or an optical disk), and includes a number of instructions for a terminal (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the method described in the embodiment of the present application.

[0153] The embodiments of the present application are described above in conjunction with the accompanying drawings, but the present application is not limited to the above-mentioned specific implementation methods. The above-mentioned specific implementation methods are merely illustrative and not restrictive. Under the guidance of the present application, ordinary technicians in this field can also make many forms without departing from the purpose of the present application and the scope of protection of the claims, all of which are within the protection of the present application.

Claims

1. A network payment method, It is characterized in that include: Receiving a request for activating a first password-free payment function of a first application of a first electronic device, wherein the request for activating the first password-free payment function carries usage restriction information of the password-free payment function; Responding to the activation request of the first password-free payment function, and storing usage restriction information of the password-free payment function; Obtaining historical usage records of the password-free payment function of the first application; Determining whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information; The usage restriction information includes: a first preset frequency corresponding to paid content in the first application; the historical usage record includes: a click frequency on the paid content; Then, determining whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information includes: If the click frequency is less than a first preset frequency, prompt whether to close the password-free payment function of the first application; The usage restriction information includes: the application name of the first application; Scanning a second electronic device according to the application name; If the first application is not scanned in the second electronic device, the second electronic device is prompted whether to disable the password-free payment function of the first application, or a link URL for downloading the first application is sent to the second electronic device.

2. The method according to claim 1, It is characterized in that The usage restriction information includes: the duration of the password-free payment function, and the historical usage record includes: the activation time of the password-free payment function; The determining, according to the historical usage record and the usage restriction information, whether to prompt to close the password-free payment function of the first application includes: If the activation time of the password-free payment function meets the period of the password-free payment function, a prompt is given as to whether to close the password-free payment function of the first application.

3. The method according to claim 1, It is characterized in that The usage restriction information includes: a threshold of the number of times of the password-free payment function; the historical usage record includes: the number of times the first application makes payments through the password-free payment function; Then, determining whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information includes: If the number of payments reaches the password-free payment function number threshold, a prompt is given as to whether to close the password-free payment function of the first application.

4. An online payment device, It is characterized in that include: A receiving module, configured to receive a request for activating a first password-free payment function of a first application of a first electronic device, wherein the request for activating the first password-free payment function carries usage restriction information of the password-free payment function; A storage module, used to respond to the activation request of the first password-free payment function and store the usage restriction information of the password-free payment function; An acquisition module, used to acquire historical usage records of the password-free payment function of the first application; a determination module, configured to determine whether to prompt to close the password-free payment function of the first application according to the historical usage record and the usage restriction information; The usage restriction information includes: a first preset frequency corresponding to paid content in the first application; the historical usage record includes: a click frequency on the paid content; The determination module is specifically configured to prompt whether to disable the password-free payment function of the first application if the click frequency is less than a first preset frequency; The usage restriction information includes: the application name of the first application, and the device further includes: A scanning module, used for scanning a second electronic device according to the application name; The prompt module is used to prompt the second electronic device whether to turn off the password-free payment function of the first application if the first application is not scanned in the second electronic device, or to send a link URL for downloading the first application to the second electronic device.

5. The device according to claim 4, It is characterized in that The usage restriction information includes: the duration of the password-free payment function, and the historical usage record includes: the activation time of the password-free payment function; The determination module is specifically used to prompt whether to close the password-free payment function of the first application if the activation duration of the password-free payment function meets the password-free payment function period.

6. The device according to claim 4, It is characterized in that The usage restriction information includes: a threshold of the number of times of the password-free payment function; the historical usage record includes: the number of times the first application makes payments through the password-free payment function; The determination module is specifically used to prompt whether to close the password-free payment function of the first application if the number of payments reaches the password-free payment function number threshold.

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