Electronic wallet security verification method and apparatus, and mobile device

Abstract

The invention provides an electronic wallet security verification method and device and mobile equipment, and the method comprises the steps: querying the latest success time of identity verification when an execution request of a user for a target operation in an electronic wallet is received; if a first preset condition is met, identity verification is skipped, otherwise, identity verification is executed, and the first preset condition includes that the interval between the current time and the latest success time is smaller than or equal to a first interval threshold value; and when the identity verification is successful, recording the current time as the latest success time. The time interval comparison provided by the invention is suitable for any operation in the electronic wallet, and the necessity of identity verification and the frequency of identity verification are comprehensively considered, so that the security and the user experience are both considered.

Description

Technical Field

[0001] The present application relates to the technical field of security verification, and in particular to an electronic wallet security verification method, device and mobile device. Background Art

[0002] With the continuous development of Internet technology and the popularization of e-commerce, e-wallets play an increasingly important role in people's daily lives. E-wallets provide users with a convenient payment method, and their security has also become the focus of people's attention. In the process of using e-wallets, security verification methods are the key to ensuring the security of users' funds and personal information.

[0003] Identity verification is an important part of security verification, which is used to ensure that the execution request is initiated by the real user. Common identity verification methods include biometric verification methods such as face recognition and fingerprint recognition, as well as other verification methods such as password verification and SMS verification. Identity verification is highly secure, but it requires user interaction. Too frequent identity verification will reduce user experience, and too much pursuit of user experience may reduce security. How to improve user experience while ensuring security is an important challenge facing existing technologies.

[0004] In the prior art, a strategy of small-amount password-free payment is adopted, that is, when the payment amount is less than the set amount, the identity verification is skipped, and the payment is completed directly if other security verifications are passed, so as to reduce the frequency of identity verification and improve the user experience. However, this strategy is only applicable to payment operations with a certain amount and cannot be applied to other operations in the electronic wallet. At present, for other operations in the electronic wallet, either identity verification is performed for each execution request, or identity verification is not performed for each execution request, which cannot take into account both security and user experience. Summary of the invention

[0005] The present application provides an electronic wallet security verification method, device and mobile device, which can solve the technical problem that the electronic wallet security verification method in the prior art cannot take into account both security and user experience.

[0006] In a first aspect, an embodiment of the present application provides an electronic wallet security verification method, the electronic wallet security verification method comprising:

[0007] Upon receiving a user's request to execute a target operation in an electronic wallet, query the most recent successful time of identity verification;

[0008] If the first preset condition is met, the identity verification is skipped, otherwise the identity verification is performed, wherein the first preset condition includes: the interval between the current time and the most recent successful time is less than or equal to the first interval threshold;

[0009] When the identity verification is successful, the current time is recorded as the most recent successful time.

[0010] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0011] When receiving a user's execution request for a target operation in an electronic wallet, record the device information of this execution request, and compare the device information of this execution request with the device information of the previous execution request;

[0012] The first preset condition also includes: the device information of the current execution request is the same as the device information of the previous execution request.

[0013] Furthermore, in one embodiment, the step of performing identity verification includes:

[0014] If the second preset condition is met, identity verification is performed in the first mode, otherwise identity verification is performed in the second mode, wherein the second preset condition includes: the device information of the current execution request is the same as the device information of the previous execution request, the identity verification method in the first mode includes other verification methods besides biometrics, and the identity verification methods in the second mode are all biometric verification methods.

[0015] Further, in one embodiment, the second preset condition also includes: the interval between the current time and the most recent success time is less than or equal to a second interval threshold;

[0016] The second interval threshold is greater than the first interval threshold.

[0017] Furthermore, in one embodiment, after the step of performing identity verification in the first mode, the method further includes:

[0018] If the number of consecutive failures of the identity verification method in the first mode reaches the failure number threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

[0019] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0020] Count the frequency of device changes, where a device change is defined as a device information change when the device information of the current execution request is different from the device information of the previous execution request;

[0021] If the device replacement frequency is greater than or equal to the frequency threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

[0022] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0023] Count the historical success rate of identity verification;

[0024] If the historical success rate is greater than or equal to the first success rate threshold, and the current first interval threshold is less than the preset upper limit, the first interval threshold is increased.

[0025] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0026] Count the historical success rate of identity verification;

[0027] If the historical success rate is less than or equal to the second success rate threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

[0028] In a second aspect, an embodiment of the present application further provides an electronic wallet security verification device, the electronic wallet security verification device comprising:

[0029] A time query module, used to query the most recent successful time of identity verification when receiving a user's execution request for a target operation in the electronic wallet;

[0030] A process guiding module, configured to skip the identity verification if a first preset condition is met, and otherwise perform the identity verification, wherein the first preset condition includes: an interval between the current time and the most recent successful time is less than or equal to a first interval threshold;

[0031] The time recording module is used to record the current time as the most recent successful time when the identity verification is successful.

[0032] In a third aspect, an embodiment of the present application also provides a mobile device, comprising a processor, a memory, and an electronic wallet security verification program stored in the memory and executable by the processor, wherein when the electronic wallet security verification program is executed by the processor, the steps of the above-mentioned electronic wallet security verification method are implemented.

[0033] In this application, the most recent success time is updated each time the identity verification succeeds. For the execution request of the target operation, the interval between the current time and the most recent success time is less than or equal to the first interval threshold as a necessary component of the first preset condition. When the first preset condition is met, the identity verification is skipped, and when the first preset condition is not met, the identity verification is performed. The time interval comparison proposed in this application is applicable to any operation in the electronic wallet, and comprehensively considers the necessity and frequency of identity verification, thereby taking into account both security and user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] Figure 1 This is a flow chart of an electronic wallet security verification method in one embodiment of the present application;

[0035] Figure 2This is a flow chart of an electronic wallet security verification method in another embodiment of the present application;

[0036] Figure 3 for Figure 2 A schematic diagram of a detailed embodiment of the electronic wallet security verification method shown;

[0037] Figure 4 for Figure 2 A schematic flow chart of another detailed embodiment of the electronic wallet security verification method shown;

[0038] Figure 5 This is a schematic diagram of the functional modules of an electronic wallet security verification device in one embodiment of the present application;

[0039] Figure 6 A schematic diagram of the hardware structure of a mobile device involved in an embodiment of the present application. DETAILED DESCRIPTION

[0040] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only 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.

[0041] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below in conjunction with the accompanying drawings.

[0042] In a first aspect, an embodiment of the present application provides an electronic wallet security verification method.

[0043] Figure 1 A schematic diagram of the process of an electronic wallet security verification method in an embodiment of the present application is shown.

[0044] Reference Figure 1 In one embodiment, the electronic wallet security verification method includes the following steps:

[0045] S1. When receiving a user's request to execute a target operation in an electronic wallet, query the most recent successful time of identity verification;

[0046] S2. If the first preset condition is met, skip the identity verification, otherwise perform the identity verification, wherein the first preset condition includes: the interval between the current time and the most recent successful time is less than or equal to the first interval threshold;

[0047] S3. When the identity verification is successful, the current time is recorded as the most recent successful time.

[0048] It can be understood that the smaller the interval between the current time and the most recent successful time, the larger the interval between the most recent successful times, the more likely it is that the user who initiated the current execution request is different from the previous user, and the higher the necessity for identity verification; the smaller the interval between the current time and the most recent successful time, the more likely it is that the user who initiated the current execution request is the same as the previous user, and the lower the necessity for identity verification; moreover, if identity verification is performed, users will have a poor experience due to frequent identity verification in a short period of time.

[0049] Therefore, in this embodiment, the most recent success time is updated each time the identity verification succeeds, and for the execution request of the target operation, the interval between the current time and the most recent success time is less than or equal to the first interval threshold as a necessary component of the first preset condition, and when the first preset condition is met, the identity verification is skipped, and when the first preset condition is not met, the identity verification is performed. The time interval comparison proposed in this embodiment is applicable to any operation in the electronic wallet, and comprehensively considers the necessity and frequency of identity verification, thereby taking into account both security and user experience.

[0050] It should be noted that skipping identity verification does not mean that the request is agreed to be executed. Other security checks may be required, such as checking the payment environment. The request will be agreed to be executed only when the identity verification is skipped or the identity verification is successful and other security checks are also successful. The request will be rejected if any security verification fails.

[0051] Optionally, the target operation in the electronic wallet may be online order payment, offline payment code payment, transfer, password change, purchase of specific goods, and the like.

[0052] Optionally, execution requests of different target operations may share the most recent success time and the first interval threshold, or may use independent most recent success time and the first interval threshold.

[0053] Optionally, the identity verification algorithm uses the processing method in a preset configuration table to complete a series of operations. The configuration table is a readable and easily expandable text written according to fixed rules. When performing identity verification, the corresponding verification work is completed by reading the configuration information in the configuration table in sequence, and finally the result is converted into a visual return to the user.

[0054] For example, the configuration table is stored in the cache, and the program can quickly access and retrieve the configuration table to complete the parsing. In the configuration table, the special character ";" is used to distinguish different rules, and "rule name: content" is used to point to a specific rule. The template syntax "${}" is used to pass in the standard JSON to insert variables when parsing the configuration table.

[0055] Optionally, the identity verification algorithm cuts into the interface in an around form. The around form can cut into any interface in a more free and flexible form, thereby realizing flexible calling in multiple target operations.

[0056] For example, the execution requests of operation A1 and operation A2 share the most recent success time, and the execution request of operation A3 uses an independent most recent success time. Suppose the execution request of operation A1 is received, and identity verification is performed because the first preset condition is not met. The identity verification is successful and the most recent success time T1 is recorded. Then the execution request of operation A3 is received, and identity verification is performed because the first preset condition is not met. The identity verification is successful and the most recent success time T2 is recorded. The most recent success time T2 will not cover the most recent success time T1. Then the execution request of operation A2 is received, and the interval between the current time and the most recent success time T1 is compared with the first interval threshold.

[0057] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0058] When receiving a user's execution request for a target operation in an electronic wallet, record the device information of this execution request, and compare the device information of this execution request with the device information of the previous execution request;

[0059] The first preset condition also includes: the device information of the current execution request is the same as the device information of the previous execution request.

[0060] In this embodiment, the device information comparison is combined with the time interval comparison, and the device information comparison is also applicable to any operation in the electronic wallet, which helps to further improve security.

[0061] It should be noted that strict identity verification (such as facial recognition) is usually required when authorizing a device. Assuming that the e-wallet is limited to authorizing only one device at a time, the device information comparison in this embodiment cannot further improve security. This embodiment is suitable for e-wallets that can authorize multiple devices at the same time.

[0062] Optionally, execution requests of different target operations may share device information or use independent device information.

[0063] For example, the device information is the MAC address of the device.

[0064] Figure 2 A schematic flow chart of an electronic wallet security verification method in another embodiment of the present application is shown.

[0065] refer to Figure 2 ,The process of the electronic wallet security verification method includes:

[0066] A1. receiving a user's request to execute a target operation in an electronic wallet;

[0067] A2. Query the most recent successful time of identity verification;

[0068] A3. Record the device information of this execution request;

[0069] A4. Compare the device information of the current execution request with the device information of the previous execution request;

[0070] A5, determine whether the device information of the current execution request is the same as the device information of the previous execution request, if yes, jump to A6, otherwise jump to A8;

[0071] A6, judging whether the interval between the current time and the most recent success time is less than or equal to the first interval threshold, if yes, jump to A7, otherwise jump to A8;

[0072] A7, skip identity verification and jump to A11;

[0073] A8. Perform identity verification;

[0074] A9, determine whether the identity verification is successful, if yes, jump to A10, otherwise jump to A13;

[0075] A10. Record the current time as the most recent successful time;

[0076] A11, determine whether other security checks are successful, if yes, jump to A12, otherwise jump to A13;

[0077] A12. Agree to the execution request;

[0078] A13. Refuse to execute the request.

[0079] Furthermore, in one embodiment, the step of performing identity verification includes:

[0080] If the second preset condition is met, identity verification is performed in the first mode, otherwise identity verification is performed in the second mode, wherein the second preset condition includes: the device information of the current execution request is the same as the device information of the previous execution request, the identity verification method in the first mode includes other verification methods besides biometrics, and the identity verification methods in the second mode are all biometric verification methods.

[0081] In this embodiment, identity verification is subdivided into a first mode and a second mode. In the first mode, verification methods other than biometrics can be selected, and in the second mode, only biometrics can be used for verification. Therefore, the second mode has higher verification strength and lower flexibility. Performing identity verification in the second mode when device information is different helps to further improve security.

[0082] For example, in the first mode, face recognition, fingerprint recognition, password verification and SMS verification are provided for user selection, and in the second mode, face recognition and fingerprint recognition are provided for user selection. If any one of the verification methods is passed, the identity authentication is successful.

[0083] Figure 3 Shows Figure 2 A schematic flow chart of a detailed embodiment of an electronic wallet security verification method is shown.

[0084] Reference Figure 3 ,The process of the electronic wallet security verification method includes:

[0085] A1. receiving a user's request to execute a target operation in an electronic wallet;

[0086] A2. Query the most recent successful time of identity verification;

[0087] A3. Record the device information of this execution request;

[0088] A4. Compare the device information of the current execution request with the device information of the previous execution request;

[0089] A5, determine whether the device information of the current execution request is the same as the device information of the previous execution request, if yes, jump to A6, otherwise jump to B1;

[0090] A6, determine whether the interval between the current time and the most recent successful time is less than or equal to the first interval threshold, if yes, jump to A7, otherwise jump to B2;

[0091] A7, skip identity verification and jump to A11;

[0092] B1, perform identity verification in the second mode and jump to A9;

[0093] B2, perform identity verification in the first mode and jump to A9;

[0094] A9, determine whether the identity verification is successful, if yes, jump to A10, otherwise jump to A13;

[0095] A10. Record the current time as the most recent successful time;

[0096] A11, determine whether other security checks are successful, if yes, jump to A12, otherwise jump to A13;

[0097] A12. Agree to the execution request;

[0098] A13. Refuse to execute the request.

[0099] Further, in one embodiment, the second preset condition also includes: the interval between the current time and the most recent success time is less than or equal to a second interval threshold;

[0100] The second interval threshold is greater than the first interval threshold.

[0101] In this embodiment, when the device information is not the same or the identity verification has not been successfully performed for a long time, the identity verification is performed in the second mode, which helps to further improve security.

[0102] Figure 4 Shows Figure 2 A flowchart of another detailed embodiment of the electronic wallet security verification method is shown.

[0103] Reference Figure 4 ,The process of the electronic wallet security verification method includes:

[0104] A1. receiving a user's request to execute a target operation in an electronic wallet;

[0105] A2. Query the most recent successful time of identity verification;

[0106] A3. Record the device information of this execution request;

[0107] A4. Compare the device information of the current execution request with the device information of the previous execution request;

[0108] A5, determine whether the device information of the current execution request is the same as the device information of the previous execution request, if yes, jump to A6, otherwise jump to C1;

[0109] A6, determine whether the interval between the current time and the most recent successful time is less than or equal to the first interval threshold, if yes, jump to A7, otherwise jump to C2;

[0110] A7, skip identity verification and jump to A11;

[0111] C1, perform identity verification in the second mode and jump to A9;

[0112] C2, determine whether the interval between the current time and the most recent successful time is less than or equal to the second interval threshold, if yes, jump to C3, otherwise jump to C1;

[0113] C3, perform identity verification in the first mode and jump to A9;

[0114] A9, determine whether the identity verification is successful, if yes, jump to A10, otherwise jump to A13;

[0115] A10. Record the current time as the most recent successful time;

[0116] A11, determine whether other security checks are successful, if yes, jump to A12, otherwise jump to A13;

[0117] A12. Agree to the execution request;

[0118] A13. Refuse to execute the request.

[0119] Furthermore, in one embodiment, after the step of performing identity verification in the first mode, the method further includes:

[0120] If the number of consecutive failures of the identity verification method in the first mode reaches the failure number threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

[0121] In this embodiment, if the identity verification fails for a certain number of times in the first mode, it means that the account risk is high. By reducing the first interval threshold, the requirement for skipping the identity verification is made stricter, which helps to further improve security.

[0122] Optionally, the first interval threshold is reduced in equal steps or in equal proportions until the first interval threshold reaches a preset lower limit.

[0123] Optionally, if the number of consecutive failures of the identity verification method in the first mode reaches the failure number threshold, the user account is marked as a risk account. A series of restrictions are imposed on risk accounts, such as only being able to use biometric identity verification, purchasing some goods requires meeting stricter conditions than general accounts, and being unable to participate in some promotional activities.

[0124] Optionally, if the number of consecutive failures of the identity verification method in the first mode reaches a failure number threshold, the identity verification is performed in the second mode.

[0125] Optionally, if the number of consecutive failures of the identity verification method in the second mode reaches a failure number threshold (which may be different from the first mode), the user account is banned for a certain period of time. The target operation cannot be performed during the ban period.

[0126] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0127] Count the frequency of device changes, where a device change is defined as a device information change when the device information of the current execution request is different from the device information of the previous execution request;

[0128] If the device replacement frequency is greater than or equal to the frequency threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

[0129] In this embodiment, if the device replacement frequency is greater than or equal to the frequency threshold, it means that the account risk is high. By reducing the first interval threshold, the requirement for skipping identity verification is made stricter, which helps to further improve security.

[0130] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0131] Count the historical success rate of identity verification;

[0132] If the historical success rate is greater than or equal to the first success rate threshold, and the current first interval threshold is less than the preset upper limit, the first interval threshold is increased.

[0133] In this embodiment, if the historical success rate is greater than or equal to the first success rate threshold, it means that the account security is high. By increasing the first interval threshold, the requirement for skipping identity verification is more relaxed, which helps to further improve the user experience.

[0134] Furthermore, in one embodiment, the electronic wallet security verification method further includes:

[0135] Count the historical success rate of identity verification;

[0136] If the historical success rate is less than or equal to the second success rate threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

[0137] In this embodiment, if the historical success rate is less than or equal to the second success rate threshold, it means that the account risk is relatively high. By reducing the first interval threshold, the requirement for skipping identity verification is made stricter, which helps to further improve security.

[0138] Optionally, the above statistics can be accumulated continuously after the account is established, or can be counted according to a certain period, such as monthly or annually.

[0139] In a second aspect, an embodiment of the present application also provides an electronic wallet security verification device.

[0140] Figure 5 A schematic diagram of the functional modules of an electronic wallet security verification device in an embodiment of the present application is shown.

[0141] Reference Figure 5 In one embodiment, the electronic wallet security verification device includes:

[0142] The time query module 10 is used to query the most recent successful time of identity verification when receiving a user's execution request for a target operation in the electronic wallet;

[0143] The process guiding module 20 is used to skip the identity verification if a first preset condition is met, and otherwise perform the identity verification, wherein the first preset condition includes: the interval between the current time and the most recent successful time is less than or equal to a first interval threshold;

[0144] The time recording module 30 is used to record the current time as the most recent successful time when the identity verification is successful.

[0145] Furthermore, in one embodiment, the electronic wallet security verification device further includes a device tracking module, which is used to record the device information of the current execution request upon receiving the user's execution request for the target operation in the electronic wallet, and compare the device information of the current execution request with the device information of the previous execution request;

[0146] In the process guiding module 20, the first preset condition also includes: the device information of the current execution request is the same as the device information of the previous execution request.

[0147] Furthermore, in one embodiment, the process guidance module 20 is used to perform identity verification in the first mode if the second preset condition is met, otherwise perform identity verification in the second mode, wherein the second preset condition includes: the device information of the current execution request is the same as the device information of the previous execution request, the identity verification method in the first mode includes other verification methods besides biometrics, and the identity verification methods in the second mode are all biometric verification methods.

[0148] Further, in one embodiment, in the process guiding module 20, the second preset condition further includes: the interval between the current time and the most recent successful time is less than or equal to the second interval threshold;

[0149] The second interval threshold is greater than the first interval threshold.

[0150] Furthermore, in one embodiment, the electronic wallet security verification device also includes a threshold adjustment module, which is used to reduce the first interval threshold if the number of consecutive failures of the identity verification method in the first mode reaches a failure threshold and the current first interval threshold is greater than a preset lower limit.

[0151] Furthermore, in one embodiment, the device tracking module is also used to count the device replacement frequency, wherein the device information of the current execution request is different from the device information of the previous execution request, which is defined as a device replacement;

[0152] The electronic wallet security verification device also includes a threshold adjustment module, which is used to reduce the first interval threshold if the device replacement frequency is greater than or equal to the frequency threshold and the current first interval threshold is greater than a preset lower limit.

[0153] Furthermore, in one embodiment, the electronic wallet security verification device further includes:

[0154] Verification statistics module, used to count the historical success rate of identity verification;

[0155] The threshold adjustment module is used to increase the first interval threshold if the historical success rate is greater than or equal to the first success rate threshold and the current first interval threshold is less than a preset upper limit.

[0156] Furthermore, in one embodiment, the electronic wallet security verification device further includes:

[0157] Verification statistics module, used to count the historical success rate of identity verification;

[0158] The threshold adjustment module is used to reduce the first interval threshold if the historical success rate is less than or equal to the second success rate threshold and the current first interval threshold is greater than a preset lower limit.

[0159] Among them, the functional implementation of each module in the above-mentioned electronic wallet security verification device corresponds to the various steps in the above-mentioned electronic wallet security verification method embodiment, and its functions and implementation processes are no longer repeated here.

[0160] In a third aspect, an embodiment of the present application provides a mobile device, which may be a mobile phone, a smart watch, etc.

[0161] Figure 6 A schematic diagram of the hardware structure of a mobile device involved in the embodiment of the present application is shown.

[0162] Reference Figure 6 In an embodiment of the present application, the mobile device may include a processor, a memory, a communication interface, and a communication bus.

[0163] The communication bus may be of any type and is used to interconnect the processor, the memory, and the communication interface.

[0164] Communication interfaces include input / output (I / O) interfaces, physical interfaces, and logical interfaces, which are used to interconnect devices within mobile devices, as well as interfaces used to interconnect mobile devices with other devices (such as other computing devices or user devices). Physical interfaces can be Ethernet interfaces, optical fiber interfaces, ATM interfaces, etc.; user devices can be display screens (Display), keyboards (Keyboard), etc.

[0165] The memory can be various types of storage media, such as random access memory (RAM), read-only memory (ROM), non-volatile RAM (NVRAM), flash memory, optical storage, hard disk, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM), etc.

[0166] The processor may be a general-purpose processor, and the general-purpose processor may call the electronic wallet security verification program stored in the memory and execute the electronic wallet security verification method provided in the embodiment of the present application. For example, the general-purpose processor may be a central processing unit (CPU). The method executed when the electronic wallet security verification program is called may refer to the various embodiments of the electronic wallet security verification method of the present application, and will not be repeated here.

[0167] Those skilled in the art will understand that Figure 6 The hardware structure shown in the figure does not constitute a limitation on the present application, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.

[0168] It should be noted that the serial numbers of the above-mentioned embodiments of the present application are only for description and do not represent the advantages or disadvantages of the embodiments.

[0169] The terms "including" and "having" and any variations thereof in the specification and claims of this application and the above-mentioned drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices. The terms "first", "second" and "third" are used to distinguish different objects, etc., and do not represent a sequence, nor do they limit "first", "second" and "third" to different types.

[0170] In the description of the embodiments of the present application, "exemplary", "for example" or "for example" are used to indicate examples, illustrations or descriptions. Any embodiment or design described as "exemplary", "for example" or "for example" in the embodiments of the present application should not be interpreted as being more preferred or more advantageous than other embodiments or designs. Specifically, the use of words such as "exemplary", "for example" or "for example" is intended to present related concepts in a specific way.

[0171] In the description of the embodiments of the present application, unless otherwise specified, “ / ” means or, for example, A / B can mean A or B; the “and / or” in the text is merely a description of the association relationship of associated objects, indicating that three relationships may exist, for example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. In addition, in the description of the embodiments of the present application, “multiple” refers to two or more than two.

[0172] In some processes described in the embodiments of the present application, multiple operations or steps that appear in a specific order are included, but it should be understood that these operations or steps may not be executed in the order in which they appear in the embodiments of the present application or in parallel, and the sequence number of the operation is only used to distinguish the different operations, and the sequence number itself does not represent any execution order. In addition, these processes may include more or fewer operations, and these operations or steps may be executed in sequence or in parallel, and these operations or steps may be combined.

[0173] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course 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 is essentially 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, disk, CD) as described above, and includes a number of instructions for a terminal device to execute the methods described in each embodiment of the present application.

[0174] The above are only preferred embodiments of the present application, and are not intended to limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made using the contents of the present application specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present application.

Claims

1. An electronic wallet security verification method, characterized in that: The electronic wallet security verification method comprises: Upon receiving a user's request to execute a target operation in an electronic wallet, query the most recent successful time of identity verification; If the first preset condition is met, the identity verification is skipped, otherwise the identity verification is performed, wherein the first preset condition includes: the interval between the current time and the most recent successful time is less than or equal to the first interval threshold; When the identity verification is successful, the current time is recorded as the most recent successful time.

2. The electronic wallet security verification method according to claim 1, characterized in that: The electronic wallet security verification method further includes: When receiving a user's execution request for a target operation in an electronic wallet, record the device information of this execution request, and compare the device information of this execution request with the device information of the previous execution request; The first preset condition also includes: the device information of the current execution request is the same as the device information of the previous execution request.

3. The electronic wallet security verification method according to claim 2, characterized in that: The steps of performing identity verification include: If the second preset condition is met, identity verification is performed in the first mode, otherwise identity verification is performed in the second mode, wherein the second preset condition includes: the device information of the current execution request is the same as the device information of the previous execution request, the identity verification method in the first mode includes other verification methods besides biometrics, and the identity verification methods in the second mode are all biometric verification methods.

4. The electronic wallet security verification method according to claim 3, characterized in that: The second preset condition also includes: the interval between the current time and the most recent success time is less than or equal to the second interval threshold; The second interval threshold is greater than the first interval threshold.

5. The electronic wallet security verification method according to claim 3 or 4, characterized in that: After the step of performing identity verification in the first mode, the method further includes: If the number of consecutive failures of the identity verification method in the first mode reaches the failure number threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

6. The electronic wallet security verification method according to claim 2, characterized in that: The electronic wallet security verification method further includes: Count the frequency of device changes, where a device change is defined as a device information change when the device information of the current execution request is different from the device information of the previous execution request; If the device replacement frequency is greater than or equal to the frequency threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

7. The electronic wallet security verification method according to claim 1, characterized in that: The electronic wallet security verification method also includes: Count the historical success rate of identity verification; If the historical success rate is greater than or equal to the first success rate threshold, and the current first interval threshold is less than the preset upper limit, the first interval threshold is increased.

8. The electronic wallet security verification method according to claim 1, characterized in that: The electronic wallet security verification method also includes: Count the historical success rate of identity verification; If the historical success rate is less than or equal to the second success rate threshold, and the current first interval threshold is greater than the preset lower limit, the first interval threshold is reduced.

9. An electronic wallet security verification device, characterized in that: The electronic wallet security verification device comprises: A time query module, used to query the most recent successful time of identity verification when receiving a user's execution request for a target operation in an electronic wallet; A process guiding module, configured to skip the identity verification if a first preset condition is met, and otherwise perform the identity verification, wherein the first preset condition includes: an interval between the current time and the most recent successful time is less than or equal to a first interval threshold; The time recording module is used to record the current time as the most recent successful time when the identity verification is successful.

10. A mobile device, characterized in that: The mobile device comprises a processor, a memory, and an electronic wallet security verification program stored in the memory and executable by the processor, wherein when the electronic wallet security verification program is executed by the processor, the steps of the electronic wallet security verification method as described in any one of claims 1 to 8 are implemented.

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