Secure payment method and device of financial order, computer equipment and storage medium

Abstract

The invention relates to the technical field of financial security, in particular to a secure payment method and device for a financial order, computer equipment and a storage medium, and the method comprises the steps: obtaining login environment information, position information and vehicle binding information of a user, and obtaining a historical payment position if the login environment information is detected to accord with a preset payment environment, and determining a first payment position range, determining a second payment position range according to the first payment position range and the historical payment position, and if it is detected that the position information is in the second payment position range, completing safe payment of the order. Login environment information, position information and vehicle binding information are acquired, if the login environment information accords with a preset payment environment, the position information is detected, if the position information accords with a second payment position range, the vehicle binding information is detected, and if the vehicle binding information accords with binding operation on a preset operation page, order payment is completed. Therefore, the payment risk is comprehensively and automatically detected, and the payment of the financial order is safely completed.

Description

Technical Field

[0001] The present invention relates to the field of financial security technology, and in particular to a secure payment method, device, computer equipment and storage medium for financial orders. Background Art

[0002] With the popularization of new energy vehicles, a lot of financial services for new energy vehicle owners have emerged on various application software. Among them, the most frequently used service is the charging service. The charging service includes several main process nodes such as ordering and payment. The payment process involves user funds, and the security needs to be guaranteed at the highest level.

[0003] At present, the security payment process of financial orders is mostly protected by the security application programming interface provided by the security department to determine whether the user is an illegal user; or intercepted by the business rules of the charging service itself, for example, a single user can only charge three times a day, and the upper limit of the charging amount of a single user per day is 100 yuan, etc.; and the security rules of the payment component are intercepted, such as the security rules of the WeChat payment component and the security rules of the Alipay payment component. These methods are difficult to intercept in environments such as browsers commonly used by illegal users, and it is also difficult to prevent illegal users from making illegal profits by making payments on behalf of other users in other places.

[0004] Therefore, how to comprehensively and automatically detect payment risks in order to safely complete the payment of financial orders has become an urgent problem to be solved. Summary of the invention

[0005] Embodiments of the present invention provide a secure payment method, apparatus, computer equipment and storage medium for financial orders to solve the problem of how to comprehensively and automatically detect payment risks to securely complete the payment of financial orders.

[0006] In a first aspect, an embodiment of the present invention provides a secure payment method for a financial order, characterized by comprising: Obtain payment information when the user makes a charging payment, parse the payment information, and obtain the user's login environment information, location information, and vehicle binding information; Detecting whether the login environment information conforms to the preset payment environment, and if it is detected that the login environment information conforms to the preset payment environment, obtaining the user's historical charging information, and extracting the user's historical payment position corresponding to the historical charging information; Acquire a current charging position, determine a first payment position range according to the current charging position, and determine a second payment position range according to the first payment position range and the historical payment position; Detecting whether the location information is within the second payment location range, and if it is detected that the location information is within the second payment location range, detecting whether the vehicle binding information is a binding operation performed on a preset operation page; If it is detected that the vehicle binding information is a binding operation performed on the preset operation page, the payment information is stored on the disk to complete the secure payment of the order.

[0007] In a second aspect, an embodiment of the present invention provides a secure payment device for a financial order, characterized by comprising: An information analysis module is used to obtain payment information of the user when making a charging payment, analyze the payment information, and obtain the user's login environment information, location information, and vehicle binding information; A detection module, used to detect whether the login environment information conforms to the preset payment environment, and if it is detected that the login environment information conforms to the preset payment environment, obtain the user's historical charging information and extract the user's historical payment position corresponding to the historical charging information; A position range determination module, used to obtain a current charging position, determine a first payment position range according to the current charging position, and determine a second payment position range according to the first payment position range and the historical payment position; a vehicle binding information detection module, used to detect whether the location information is within the second payment location range, and if it is detected that the location information is within the second payment location range, detect whether the vehicle binding information is a binding operation performed on a preset operation page; The payment completion module is used to store the payment information on disk if it is detected that the vehicle binding information is a binding operation performed on the preset operation page, so as to complete the secure payment of the order.

[0008] In a third aspect, an embodiment of the present invention provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned secure payment method for financial orders when executing the computer program.

[0009] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the secure payment method for the above-mentioned financial order is implemented.

[0010] Compared with the prior art, the present invention has the following beneficial effects: by obtaining the payment information of the user when making charging payment, parsing the payment information, obtaining the user's login environment information, location information and car binding information, detecting whether the login environment information meets the preset payment environment, if it is detected that the login environment information meets the preset payment environment, then obtaining the user's historical charging information, extracting the user's historical payment location corresponding to the historical charging information, obtaining the current charging location, determining the first payment location range according to the current charging location, determining the second payment location range according to the first payment location range and the historical payment location, if it is detected that the location information is within the second payment location range, then detecting whether the car binding information is a binding operation performed on the preset operation page, if it is detected that the car binding information is a binding operation performed on the preset operation page, then placing the payment information on the disk to complete the secure payment of the order. By obtaining the login environment information, location information and car binding information in the payment information, and detecting the login environment information, if the login environment information meets the preset payment environment, then detecting the location information, if the location information meets the second payment location range, then detecting the car binding information, if the car binding information meets the binding operation performed on the preset operation page, then completing the order payment. This enables comprehensive and automated detection of payment risks to ensure secure payment of financial orders. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0012] Figure 1 This is a schematic diagram of an application environment of a secure payment method for a financial order provided in the first embodiment of the present invention; Figure 2 This is a flow chart of a secure payment method for a financial order provided in Embodiment 2 of the present invention; Figure 3 This is a flow chart of a secure payment method for a financial order provided in Embodiment 3 of the present invention; Figure 4 This is a flow chart of a secure payment method for a financial order provided by a fourth embodiment of the present invention; Figure 5 This is a flow chart of a secure payment method for a financial order provided in Embodiment 5 of the present invention; Figure 6 This is a flow chart of a secure payment method for a financial order provided in Embodiment 6 of the present invention; Figure 7This is a flow chart of a secure payment method for a financial order provided in Embodiment 7 of the present invention; Figure 8 This is a schematic diagram of the structure of a secure payment device for a financial order provided in Embodiment 8 of the present invention; Fig. 9 It is a structural diagram of a computer device provided in Embodiment 9 of the present invention. DETAILED DESCRIPTION

[0013] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0014] like Figure 1 As shown, it is a schematic diagram of the application environment of a secure payment method for financial orders provided in the first embodiment of the present invention, wherein the client and the server are connected to communicate, and the user can provide the server with conditions, requirements and operation instructions for secure payment of financial orders by operating the client, and the server is used to execute the secure payment method for financial orders of the present invention according to the relevant content sent by the client. The client includes but is not limited to various personal computers, laptops, smart phones, tablet computers, portable wearable devices and other computer devices. The computer device corresponding to the server can be implemented with an independent server or a server cluster composed of multiple servers.

[0015] like Figure 2 FIG. 1 is a flow chart of a secure payment method for a financial order provided in Embodiment 2 of the present invention, wherein the secure payment method for a financial order is applied in Figure 1 The secure payment method for the financial order may include the following steps: Step S201, obtaining the payment information of the user when making a charging payment, parsing the payment information, and obtaining the user's login environment information, location information, and vehicle binding information.

[0016] When a user attempts to make a charging payment through an App (Chinese full name, application; English full name, Application), website or any other interface, a series of data will be submitted. These data are collectively referred to as payment information. Payment information includes but is not limited to transaction amount, payment method, payment account number, etc. Parsing payment information means extracting information related to secure payment from the payment information. The system will focus on parsing the following three types of information: login environment information, location information, and vehicle binding information.

[0017] Login environment information is mainly used to judge the credibility of the user's current operation. Login environment information includes but is not limited to device type, operating system, device model, network environment, APP, APP version, and browser.

[0018] The location information is used to verify whether the user's current location is consistent with his normal charging behavior, mainly including the current GPS coordinates, the nearest known charging station location, etc.

[0019] The vehicle binding information is used to confirm the association between the user and the vehicle being charged to ensure that no one can illegally charge other vehicles. The vehicle binding information includes but is not limited to the vehicle identification code, license plate number, binding time between the user and the vehicle, and binding method.

[0020] Step S202, detect whether the login environment information conforms to the preset payment environment. If it is detected that the login environment information conforms to the preset payment environment, obtain the user's historical charging information and extract the user's historical payment location corresponding to the historical charging information.

[0021] Among them, the preset payment environment is a set of specific security standards, which are used to determine whether the current user's operating environment is safe and reliable. The preset payment environment includes but is not limited to device type and model, operating system version, network environment, APP version, and device fingerprint.

[0022] Among them, device type and model may refer to only allowing trusted devices to be used, such as devices officially recommended by credit card companies or payment platforms. Operating system version may refer to ensuring that users are using the latest or recent versions of the operating system, which usually contain the latest security patches. Network environment may refer to only allowing payments through secure networks, such as home Wi-Fi, corporate networks, or specific mobile networks (such as 4G, 5G), and avoiding the use of public Wi-Fi or unknown networks. App version may refer to ensuring that the user is using the latest version of the App, as old versions may contain known security vulnerabilities. Device fingerprint may refer to generating a unique identifier through the hardware and software characteristics of the device to identify the uniqueness of the device.

[0023] To obtain the user's historical charging information, the system extracts the user's charging records over the past period of time from the database. These records include but are not limited to charging time, charging location, charging amount, payment amount, and payment method.

[0024] From the user's historical charging records, the system specifically extracts the geographic location information of each payment, which is used for subsequent location verification. Specifically, the geographic location in each charging record is parsed to extract the GPS coordinates of the charging station or the specific location of the user when the payment was made. The distribution of historical payment locations is analyzed to identify the geographic location areas where users often make payments, such as the user's main activity area, home location, work location, etc. A benchmark for historical payment locations is generated, and this location information is aggregated to generate a benchmark data for a user's historical payment locations.

[0025] Step S203, obtaining the current charging position, determining a first payment position range according to the current charging position, and determining a second payment position range according to the first payment position range and the historical payment positions.

[0026] Among them, when the user attempts to make a charging payment, the system will obtain the user's current geographic location information, which can be achieved through the following methods: GPS positioning, Wi-Fi positioning, mobile network positioning, charging station equipment positioning, etc.

[0027] The system determines an initial payment location range (first payment location range) based on the current charging location obtained. This range is a reasonable radius based on the current charging location and is used to preliminarily determine whether the user is paying within a reasonable area. Specifically, you can set the radius, calculation range, and recording range.

[0028] The setting of the radius may refer to setting a reasonable radius range, such as 1 km, according to business needs and the accuracy of the geographical location. The calculation range may refer to calculating a circular area with a radius of 1 km with the current charging location as the center. The recording range may refer to recording the circular area as the first payment location range.

[0029] After determining the first payment location range, the system further combines the user's historical payment location to determine a more accurate payment location range (second payment location range), which can be determined by analyzing historical payment locations, setting weights, and merging ranges.

[0030] Analyzing the historical payment locations may refer to analyzing the user's common payment areas from the user's historical payment locations. Setting weights may refer to setting a weight value for each location based on the user's frequency at each historical payment location. Merging ranges may refer to merging the first payment location range of the current charging location with the historical range of the user's common payment locations to determine a more reasonable payment location range (second payment location range).

[0031] Step S204, detecting whether the location information is within the second payment location range. If the location information is detected to be within the second payment location range, detecting whether the vehicle binding information is a binding operation performed on a preset operation page.

[0032] Among them, by verifying whether the user's current location information is within the range of his common payment location, it is further confirmed that the user's payment environment is trustworthy. If the user's current location is within the range of his common payment location, the system will consider the payment environment to be relatively safe.

[0033] The location information detection process is as follows: the system obtains the user's current geographic location information through GPS, Wi-Fi, mobile network or charging station equipment positioning. According to the analysis in step S202, the system has determined a second payment location range, which is generated by combining the user's current charging location and historical payment location. The system compares the user's current location information with the second payment location range to determine whether the user makes payment within the range. If the user's current location information is within the second payment location range, the location verification is considered to be successful.

[0034] After the location verification is passed, the vehicle binding information is checked to ensure that the vehicle information used by the user when making payment operations is bound through a legal and secure operation page. This helps prevent malicious users from tampering with the binding information or using forged vehicle information for payment.

[0035] Step S205: If it is detected that the vehicle binding information is a binding operation performed on a preset operation page, the payment information is stored on the disk to complete the secure payment of the order.

[0036] The system extracts the bound vehicle information from the user account, including vehicle model, license plate number, VIN code, etc. The system records the source of each vehicle information binding operation, including the specific page, time, operation method, etc. Check these records to confirm whether the binding operation is performed on the preset operation page.

[0037] The preset operation page may refer to the user binding the vehicle through the authenticated interface in the App, the user binding the vehicle through the authenticated interface of the official website, or the user binding the vehicle through the official customer service phone or online customer service. If the source of the vehicle binding information is the preset operation page, the system considers the vehicle binding information to be legal and credible. If the source of the vehicle binding information is not the preset operation page, the system will further verify or suspend the payment operation to prevent potential fraud.

[0038] For example, the user is using the latest version of the App, the device is iPhone 13, the operating system is iOS 15, the network environment is 4G, the device model and operating system version meet security standards, the user's GPS coordinates are displayed near a known charging station, the system identifies the location of the charging station, and the user has bound his vehicle on the "My Vehicle" page of the App. The binding time was 3 months ago, and the binding method was also completed through the officially certified page. Then the user's charging order can be successfully paid.

[0039] Optionally, after completing the secure payment of the order in step S205, the secure payment method for the financial order may further include the following steps: If it is detected that the login environment information does not conform to the preset payment environment, the abnormal environment information in the login environment information is extracted.

[0040] If it is detected that the location information is not within the second payment location range, the abnormal location information in the location information is extracted. The abnormal environment information and the abnormal location information are used to provide data reference for R&D personnel.

[0041] The system will check whether the login environment information meets the preset payment environment. If it finds that there are parts of the login environment information that do not meet the standards, the system will record these abnormal information. For example, if the application version is illegal, the system will record the specific version number; if the IP address is illegal, the system will record the specific IP address.

[0042] The system will obtain the user's geographic location information when making payment. This is a preset geographic location range. The system will check whether the user's geographic location is within the preset second payment location range. If the user's geographic location is not within the preset range, the system will record the specific latitude and longitude information.

[0043] Abnormal environment information and abnormal location information will be extracted and recorded and provided to R&D personnel as data reference. R&D personnel can use this information to analyze and improve the security of the system, identify potential risk points, and take measures to prevent future payment security issues.

[0044] In the embodiment of the present application, by obtaining the payment information of the user when making a charging payment, the payment information is parsed to obtain the user's login environment information, location information and vehicle binding information, and to detect whether the login environment information meets the preset payment environment. If it is detected that the login environment information meets the preset payment environment, the user's historical charging information is obtained, the historical payment location of the user corresponding to the historical charging information is extracted, the current charging location is obtained, and the first payment location range is determined according to the current charging location. According to the first payment location range and the historical payment location, the second payment location range is determined. If it is detected that the location information is within the second payment location range, it is detected whether the vehicle binding information is a binding operation performed on the preset operation page. If it is detected that the vehicle binding information is a binding operation performed on the preset operation page, the payment information is placed on the disk to complete the secure payment of the order. By obtaining the login environment information, location information and vehicle binding information in the payment information, and detecting the login environment information, if the login environment information meets the preset payment environment, the location information is detected. If the location information meets the second payment location range, the vehicle binding information is detected. If the vehicle binding information meets the binding operation performed on the preset operation page, the order payment is completed. This enables comprehensive and automated detection of payment risks to ensure secure payment of financial orders.

[0045] like Figure 3 As shown, it is a flow chart of a secure payment method for a financial order provided in Embodiment 3 of the present invention. After detecting whether the vehicle binding information is bound on a preset operation page in step S204, the secure payment method for the financial order may further include the following steps: Step S301: If it is detected that the vehicle binding information is a binding operation performed on a preset operation page, the execution time of the binding operation is obtained according to the vehicle binding information.

[0046] Among them, in step S204, the system has verified whether the binding operation of the vehicle information is performed on the preset operation page. If the verification is passed, the system will continue to execute step S301, the system extracts the specific binding operation record from the binding record of the user account, and the system extracts the specific binding time from the vehicle binding record. For example, the system record shows that the user bound the vehicle information once through the official binding page in the App at 10:00 AM on January 1, 2025.

[0047] Step S302: If the execution time meets the preset target car binding time, the payment information is recorded to complete the secure payment of the order.

[0048] The target car binding time is a preset time range used to determine whether the binding operation is performed within a reasonable time. For example, when a user binds a car on the preset operation page, the time he stays on the page must meet the range, which is greater than or equal to 30 seconds and less than or equal to 10 minutes. If it is not within the range, it is judged as a risky transaction and the final payment process cannot be carried out.

[0049] If the execution time meets the preset target vehicle binding time, payment for the charging order can be made.

[0050] In this embodiment, by detecting the execution time of the binding operation, it is determined whether the execution time meets the preset target binding time. If it meets the preset binding time, the payment order is completed. Thus, by setting the target binding time, it is ensured that the vehicle information bound by the user is the most recent, and illegal users are restricted from using script machines to illegally bind vehicles.

[0051] like Figure 4 As shown, it is a flow chart of a secure payment method for a financial order provided in the fourth embodiment of the present invention. After detecting whether the vehicle binding information is a binding operation performed on a preset operation page in step S204, the secure payment method for the financial order may further include the following steps: Step S401: If it is detected that the vehicle binding information is not bound on a preset operation page, a vehicle binding page of the preset operation page is generated.

[0052] In step S204, the system detects that the source of the vehicle binding information is not the preset operation page. For example, the user may have performed the binding operation through an unofficial third-party channel. The system generates a new, authenticated vehicle binding page, which is the official preset page, to ensure that the user can re-bind the vehicle information in a safe environment.

[0053] Step S402, performing a binding operation according to the vehicle binding page, and returning to execute detection of whether the vehicle binding information is a binding operation performed on a preset operation page.

[0054] The user accesses the official preset vehicle binding page generated in step S401 through the link or notification provided by the system. The user enters the necessary information on the vehicle binding page, including identity information and vehicle information. The system performs multiple security verifications to ensure the authenticity of the user's identity and the legality of the operation. After the user completes all information input and verification, he clicks the submit button to send the information to the server. The system receives the data submitted in the form and processes it. The system performs the binding operation on the server side, updates the user's vehicle information, and records the time and source of the binding operation.

[0055] After the binding operation is completed, the system calls step S204 again to detect whether the car binding information submitted by the user is a binding operation performed on the preset operation page. The system will check the source of the binding operation to confirm whether it is the official preset car binding page. If the source of the binding operation is indeed the official preset car binding page, the system will continue to execute subsequent secure payment steps. If the source of the binding operation is still illegal, the system may take further measures, such as locking the account, notifying customer service, etc.

[0056] In this embodiment, if the car binding information is not bound on the preset operation page, a car binding page of the preset operation page is generated, and the car binding information is returned to the preset operation page for binding. Thus, the multiple verification mechanism can effectively prevent malicious users from performing fraudulent operations and ensure the authenticity of the user identity and the legitimacy of the operation.

[0057] like Figure 5 As shown, it is a flow chart of a secure payment method for a financial order provided in Embodiment 5 of the present invention. In step S202, detecting whether the login environment information meets the preset payment environment may include the following steps: Step S501, obtaining the application that the user is using when making charging payment according to the login environment information.

[0058] Step S502: If the application used when the user makes a charging payment is a preset application, it is determined that the login environment information is detected to be consistent with the preset payment environment. If the application used when the user makes a charging payment is not a preset application, it is determined that the login environment information is detected to be inconsistent with the preset payment environment.

[0059] The system collects login environment information from the user's login device, including the name of the application used by the user, and extracts the name of the application currently used by the user from the login environment information. For example, the user is using the official charging app, third-party payment app or other applications to perform charging payment operations.

[0060] The system will compare the extracted application information with the preset application list, which includes the official charging app, some trusted third-party payment apps, etc. If the extracted application information is in the preset application list, it is determined that the user login environment information meets the preset payment environment, and the system will continue to perform subsequent payment operations. If the extracted application information is not in the preset application list, it is determined that the user login environment information does not meet the preset payment environment, and the system will take further security measures, such as prompting the user to use the official app or website for payment operations, or directly rejecting the payment request.

[0061] In this embodiment, by detecting the user's login environment information, the application in which the user makes a charging payment is obtained, and the application is detected to see if it is a preset application to obtain a detection result. This ensures the legitimacy of the payment environment and reduces the risks caused by using unofficial or unsafe applications for payment.

[0062] like Figure 6 As shown, it is a flow chart of a secure payment method for a financial order provided in Embodiment 6 of the present invention. In step S204, whether the location information is within the second payment location range may include the following steps: Step S601, obtaining the relative distance between the user and the current charging position according to the position information.

[0063] Step S602: If the relative position distance is within the second payment position range, it is determined that the position information is detected to be within the second payment position range; if the relative position distance is not within the second payment position range, it is determined that the position information is not within the second payment position range.

[0064] The system obtains the current location information from the user's device. This information includes the latitude and longitude coordinates of the user's device and the latitude and longitude coordinates of the charging pile. The system uses the geographic coordinate calculation method to calculate the distance between the user's current location and the charging pile. The system compares the calculated relative location distance with the preset second payment location range. If the distance is within the range, the location information is determined to be legal. If the distance is not within the range, the location information is determined to be illegal.

[0065] In this embodiment, the relative distance between the user and the current charging location is obtained, and whether the relative distance is within the second payment location range is detected, and whether the order payment is safe is determined based on the detection result, thereby reducing the risk caused by the user paying at an unsafe or non-compliant location.

[0066] like Figure 7 FIG. 2 is a flow chart of a secure payment method for a financial order provided in Embodiment 7 of the present invention. Before obtaining payment information of a user for charging payment in step S201, the secure payment method for a financial order may further include the following steps: Step S701, obtaining the overall application environment when the user logs into the charging application.

[0067] Step S702, determining whether the overall application environment conforms to the preset payment environment, if the overall application environment detection result conforms to the preset payment environment, then obtaining the payment information of the user when making a charging payment.

[0068] Among them, the system collects the overall application environment information from the user's device at the time of login. The overall application environment information includes but is not limited to the application version, operating system version, device model, IP address, network type, geographic location, whether the application is running in the foreground, whether the device has security protection software installed, and whether there are unauthorized third-party applications.

[0069] The preset payment environment can refer to the content in the above step S202, which will not be repeated here. If the overall application environment information meets the preset payment environment, step S201 is further executed.

[0070] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0071] like Figure 8 As shown, it is a schematic diagram of a secure payment device for a financial order provided in Embodiment 8 of the present invention, and the secure payment device for the financial order corresponds one-to-one with the secure payment method for the financial order in the above embodiment. The secure payment device for the financial order includes an information parsing module 81, a detection module 82, a location range determination module 83, a vehicle binding information detection module 84, and a payment completion module 85. The functional modules are described in detail as follows: The information analysis module 81 is used to obtain the payment information of the user when making a charging payment, analyze the payment information, and obtain the user's login environment information, location information, and vehicle binding information; A detection module 82 is used to detect whether the login environment information conforms to the preset payment environment. If it is detected that the login environment information conforms to the preset payment environment, the user's historical charging information is obtained, and the user's historical payment position corresponding to the historical charging information is extracted; A position range determination module 83, used to obtain a current charging position, determine a first payment position range according to the current charging position, and determine a second payment position range according to the first payment position range and a historical payment position; The vehicle binding information detection module 84 is used to detect whether the location information is within the second payment location range. If the location information is detected to be within the second payment location range, then the vehicle binding information is detected to be bound in a preset operation page. The payment completion module 85 is used to store the payment information on disk to complete the secure payment of the order if it is detected that the vehicle binding information is a binding operation performed on a preset operation page.

[0072] Optionally, the secure payment device for the financial order further comprises: The execution time acquisition module is used to detect whether the vehicle binding information is a binding operation performed on a preset operation page. If it is detected that the vehicle binding information is a binding operation performed on the preset operation page, the execution time of the binding operation is obtained according to the vehicle binding information.

[0073] The execution time judgment module is used to execute the payment information to the disk if the execution time meets the preset target car binding time to complete the secure payment of the order.

[0074] Optionally, the secure payment device for the financial order further comprises: The vehicle binding page generation module is used to generate a vehicle binding page of the preset operation page after detecting whether the vehicle binding information is bound on the preset operation page. If it is detected that the vehicle binding information is not bound on the preset operation page, the vehicle binding page is generated.

[0075] The binding operation execution module is used to perform the binding operation according to the vehicle binding page, and return to execute the detection of whether the vehicle binding information is a binding operation performed on a preset operation page.

[0076] Optionally, the detection module 82 includes: The application acquisition unit is used to obtain the application that the user is using when making charging payment according to the login environment information.

[0077] The payment environment detection unit is used to determine that the login environment information is consistent with the preset payment environment if the application used when the user makes a charging payment is a preset application, and to determine that the login environment information is not consistent with the preset payment environment if the application used when the user makes a charging payment is not a preset application.

[0078] Optionally, the above-mentioned vehicle binding information detection module 84 includes: The relative position distance acquisition unit is used to obtain the relative position distance between the user and the current charging position according to the position information.

[0079] The position information detection unit determines that the position information is detected within the second payment position range if the relative position distance is within the second payment position range; if the relative position distance is not within the second payment position range, detects that the position information is not within the second payment position range.

[0080] Optionally, the secure payment device for the financial order further comprises: The overall application environment acquisition module is used to obtain the overall application environment when the user logs into the charging application before obtaining the payment information when the user makes a charging payment.

[0081] The overall application environment detection module is used to determine whether the overall application environment conforms to the preset payment environment. If the overall application environment detection result conforms to the preset payment environment, the payment information of the user when making a charging payment is obtained.

[0082] Optionally, the secure payment device for the financial order further comprises: The abnormal environment information acquisition module is used to extract abnormal environment information from the login environment information if it is detected that the login environment information does not conform to the preset payment environment after completing the secure payment of the order.

[0083] The abnormal location information extraction module is used to extract the abnormal location information in the location information if it is detected that the location information is not within the second payment location range. The abnormal environment information and the abnormal location information are used to provide data reference for R&D personnel.

[0084] The specific definition of the secure payment device for financial orders can be found in the definition of the secure payment method for financial orders above, which will not be repeated here. Each module in the above secure payment device for financial orders can be implemented in whole or in part by software, hardware and a combination thereof. The above modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0085] like Fig. 9 As shown, it is a schematic diagram of the structure of a computer device provided in Embodiment 9 of the present invention. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a secure payment method for a financial order is implemented.

[0086] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the secure payment method for financial orders in the above-mentioned embodiment is implemented, for example Figures 2 to 7 Alternatively, when the processor executes the computer program, the functions of each module / unit in the embodiment of the secure payment device for financial orders are realized, for example Figure 8The functions of the information analysis module 81, detection module 82, location range determination module 83, vehicle binding information detection module 84, and payment completion module 85 shown are not repeated here to avoid repetition.

[0087] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the secure payment method for financial orders in the above embodiment is implemented, such as Figures 2 to 7 Alternatively, when the computer program is executed by a processor, the functions of each module / unit in the embodiment of the secure payment device for financial orders are realized, for example Figure 8 The functions of the information parsing module 81, the detection module 82, the location range determination module 83, the vehicle binding information detection module 84, and the payment completion module 85 are not described here to avoid repetition. The computer-readable storage medium may be non-volatile or volatile.

[0088] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0089] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0090] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A secure payment method for financial orders, characterized in that: include: Obtain payment information when the user makes a charging payment, parse the payment information, and obtain the user's login environment information, location information, and vehicle binding information; Detecting whether the login environment information conforms to the preset payment environment, and if it is detected that the login environment information conforms to the preset payment environment, obtaining the user's historical charging information, and extracting the user's historical payment position corresponding to the historical charging information; Acquire a current charging position, determine a first payment position range according to the current charging position, and determine a second payment position range according to the first payment position range and the historical payment position; Detecting whether the location information is within the second payment location range, and if it is detected that the location information is within the second payment location range, detecting whether the vehicle binding information is a binding operation performed on a preset operation page; If it is detected that the vehicle binding information is a binding operation performed on the preset operation page, the payment information is stored on the disk to complete the secure payment of the order.

2. The secure payment method for financial orders according to claim 1, characterized in that: After detecting whether the vehicle binding information is a binding operation performed on a preset operation page, the method further includes: If it is detected that the vehicle binding information is a binding operation performed on the preset operation page, obtaining the execution time of the binding operation according to the vehicle binding information; If the execution time meets the preset target car binding time, the payment information is stored on disk to complete the secure payment of the order.

3. The secure payment method for financial orders according to claim 1, characterized in that: After detecting whether the vehicle binding information is a binding operation performed on a preset operation page, the method further includes: If it is detected that the vehicle binding information is not bound on the preset operation page, generating a vehicle binding page of the preset operation page; According to the vehicle binding page, a binding operation is performed, and the process returns to execute the detection of whether the vehicle binding information is a binding operation performed on a preset operation page.

4. The secure payment method for financial orders according to claim 1, characterized in that: The preset payment environment includes a preset application program, and the detecting whether the login environment information complies with the preset payment environment includes: According to the login environment information, the application program in which the user is performing charging payment is obtained; If the application used when the user makes a charging payment is the preset application, it is determined that the login environment information is detected to be consistent with the preset payment environment. If the application used when the user makes a charging payment is not the preset application, it is determined that the login environment information is detected to be inconsistent with the preset payment environment.

5. The secure payment method for financial orders according to claim 1, characterized in that: The detecting whether the location information is within the second payment location range includes: Obtaining a relative distance between the user and the current charging position according to the position information; If the relative position distance is within the second payment position range, it is determined that the position information is detected to be within the second payment position range; if the relative position distance is not within the second payment position range, it is detected that the position information is not within the second payment position range.

6. The secure payment method for financial orders according to claim 1, characterized in that: Before obtaining the payment information of the user for charging payment, the method further includes: Get the overall application environment when the user logs into the charging application; Determine whether the overall application environment conforms to the preset payment environment, and if the overall application environment detection result conforms to the preset payment environment, execute the step of obtaining the payment information of the user when making the charging payment.

7. The secure payment method for financial orders according to claim 1, characterized in that: After completing the secure payment of the order, it also includes: If it is detected that the login environment information does not conform to the preset payment environment, extracting abnormal environment information in the login environment information; If it is detected that the location information is not within the second payment location range, abnormal location information in the location information is extracted, and the abnormal environment information and the abnormal location information are used to provide data reference for R&D personnel.

8. A secure payment device for financial orders, characterized in that: include: An information analysis module is used to obtain payment information of the user when making a charging payment, analyze the payment information, and obtain the user's login environment information, location information, and vehicle binding information; A detection module, used to detect whether the login environment information conforms to the preset payment environment, and if it is detected that the login environment information conforms to the preset payment environment, obtain the user's historical charging information and extract the user's historical payment position corresponding to the historical charging information; A position range determination module, used to obtain a current charging position, determine a first payment position range according to the current charging position, and determine a second payment position range according to the first payment position range and the historical payment position; a vehicle binding information detection module, used to detect whether the location information is within the second payment location range, and if it is detected that the location information is within the second payment location range, detect whether the vehicle binding information is a binding operation performed on a preset operation page; The payment completion module is used to store the payment information on disk if it is detected that the vehicle binding information is a binding operation performed on the preset operation page, so as to complete the secure payment of the order.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the secure payment method for the financial order according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the secure payment method for a financial order according to any one of claims 1 to 7 is implemented.

Images