Method, device, computer device and storage medium for secure payment of financial orders

Abstract

The present application relates to the technical field of financial security, and particularly relates to a financial order security payment method and device, computer equipment and storage medium, login environment information, location information and binding vehicle information of a user are acquired, if it is detected that the login environment information meets a preset payment environment, a historical payment location is acquired, a first payment location range is determined, a second payment location range is determined 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, the security payment of an order is completed. By acquiring the login environment information, the location information and the binding vehicle 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 binding vehicle information is detected, if the binding vehicle information meets the binding operation on the preset operation page, the order payment is completed. Thus, the payment risk is comprehensively and automatically detected, so that the payment of the financial order is safely completed.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of financial security, and in particular to a secure payment method and device for a financial order, a computer device and a storage medium. BACKGROUND

[0002] With the popularization of new energy vehicles, many financial services for new energy vehicle owners have been derived on various application software, of which the most frequently used is charging service. The charging service includes several main process nodes such as ordering and payment. The payment process involves user funds and requires the highest level of security protection.

[0003] At present, the security payment process of the financial order is mostly guaranteed by the security application programming interface provided by the security department to determine whether the user is an illegal user, or by the business rules of the charging service itself to intercept, such as a single user can only charge 3 times a day, the single user's charging amount is limited to a maximum of 100 yuan a day, etc., and the security rules of the payment component, such as the security rules of the WeChat payment component and the security rules of the Alipay payment component, etc. These methods are difficult to intercept the environment such as browsers commonly used by illegal users, and also difficult to prevent illegal users from making payments for other users through different places, thereby illegally profiting.

[0004] Therefore, how to comprehensively and automatically detect payment risks to safely complete the payment of the financial order has become a problem to be solved. SUMMARY

[0005] The embodiments of the present application provide a secure payment method and device for a financial order, a computer device and a storage medium to solve the problem of how to comprehensively and automatically detect payment risks to safely complete the payment of the financial order.

[0006] In a first aspect, the embodiments of the present application provide a secure payment method for a financial order, characterized in that it comprises:

[0007] Obtaining payment information when a user makes a charging payment, analyzing the payment information to obtain login environment information, location information and vehicle binding information of the user;

[0008] Detecting whether the login environment information meets a preset payment environment, if it is detected that the login environment information meets the preset payment environment, obtaining historical charging information of the user, and extracting the historical payment location of the user corresponding to the historical charging information;

[0009] Obtaining a current charging location, determining a first payment location range according to the current charging location, and determining a second payment location range according to the first payment location range and the historical payment location;

[0010] detect whether the location information is in the second payment location range, and if it is detected that the location information is in the second payment location range, detect whether the vehicle binding information is binding operation on the preset operation page;

[0011] If it is detected that the vehicle binding information is binding operation on the preset operation page, record the payment information to complete the secure payment of the order.

[0012] In a second aspect, an embodiment of the present application provides a secure payment device for financial order, characterized in that, comprising:

[0013] An information analysis module is configured to obtain payment information when a user makes a charging payment, analyze the payment information, and obtain login environment information, location information, and vehicle binding information of the user.

[0014] A detection module is configured to detect whether the login environment information meets a preset payment environment, and if it is detected that the login environment information meets the preset payment environment, obtain historical charging information of the user, and extract a historical payment location of the user corresponding to the historical charging information.

[0015] A location range determination module is configured to obtain a current charging location, determine a first payment location range according to the current charging location, and determine a second payment location range according to the first payment location range and the historical payment location.

[0016] A vehicle binding information detection module is configured to detect whether the location information is in the second payment location range, and if it is detected that the location information is in the second payment location range, detect whether the vehicle binding information is binding operation on the preset operation page.

[0017] A payment completion module is configured to, if it is detected that the vehicle binding information is binding operation on the preset operation page, record the payment information to complete the secure payment of the order.

[0018] In a third aspect, an embodiment of the present application provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the secure payment method for financial order when executing the computer program.

[0019] In a fourth aspect, an embodiment of the present application provides a computer readable storage medium, which stores a computer program, and the computer program is executable on a processor to implement the secure payment method for financial order.

[0020] Compared with the prior art, the present application has the beneficial effect that by acquiring payment information when the user makes a charging payment, analyzing the payment information, obtaining the login environment information, location information and vehicle binding information of the user, 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, obtaining the historical charging information of the user, extracting the historical payment location of the user corresponding to the historical charging information, obtaining the current charging location, determining a first payment location range according to the current charging location, determining a 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, detecting whether the vehicle binding information is a binding operation on the preset operation page, if it is detected that the vehicle binding information is a binding operation on the preset operation page, writing the payment information to a disk to complete the secure payment of the order. By acquiring 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, detecting the location information, if the location information meets the second payment location range, detecting the vehicle binding information, if the vehicle binding information meets the binding operation on the preset operation page, completing the order payment. Thus, the payment risk is comprehensively and automatically detected to safely complete the payment of the financial order. BRIEF DESCRIPTION OF DRAWINGS

[0021] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings needed to be used in the description of the embodiments of the present application. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can also be obtained by those skilled in the art without creative labor.

[0022] Figure 1 is an application environment schematic diagram of a secure payment method for a financial order provided by an embodiment of the present application;

[0023] Figure 2 is a flow schematic diagram of a secure payment method for a financial order provided by an embodiment of the present application;

[0024] Figure 3 is a flow schematic diagram of a secure payment method for a financial order provided by an embodiment of the present application;

[0025] Figure 4 is a flow schematic diagram of a secure payment method for a financial order provided by an embodiment of the present application;

[0026] Figure 5 is a flow schematic diagram of a secure payment method for a financial order provided by an embodiment of the present application;

[0027] Figure 6is a flow diagram of a financial order secure payment method provided by an embodiment six of the present application;

[0028] Figure 7 is a flow diagram of a financial order secure payment method provided by an embodiment seven of the present application;

[0029] Figure 8 is a structural diagram of a financial order secure payment device provided by an embodiment eight of the present application;

[0030] Figure 9 is a structural diagram of a computer device provided by an embodiment nine of the present application. DETAILED DESCRIPTION

[0031] The technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are some of the embodiments of the present application, but not all the embodiments of the present application. Based on the embodiments in the present application, all the other embodiments obtained by those of ordinary skill in the art without creative work fall within the scope of the present application.

[0032] As shown in Figure 1 , it is an application environment diagram of a financial order secure payment method provided by an embodiment one of the present application, wherein a client and a server are connected for communication, a user can provide conditions, demands and operation instructions for the secure payment of a financial order to the server by operating the client, and the server is used for executing the financial order secure payment method of the present application according to the related content sent by the client. The client includes but is not limited to various computer devices such as personal computers, notebook computers, smart phones, tablet computers and portable wearable devices. The computer device corresponding to the server can be realized by an independent server or a server cluster composed of multiple servers.

[0033] As shown in Figure 2 , it is a flow diagram of a financial order secure payment method provided by an embodiment two of the present application, wherein the financial order secure payment method is applied to a server in Figure 1 . The financial order secure payment method can include the following steps:

[0034] In step S201, payment information when a user charges and pays is acquired, the payment information is parsed, and login environment information, location information and bound vehicle information of the user are obtained.

[0035] When a user attempts to make a payment through the App, website, or any other interface, a series of data is submitted, collectively known as payment information, including but not limited to transaction amount, payment method, payment account number, etc. Analyzing payment information means extracting information related to secure payment from payment information. The system will focus on analyzing the following three types of information: login environment information, location information, and vehicle binding information.

[0036] 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, browser.

[0037] Location information is used to verify whether the user's current location is consistent with his normal charging behavior, mainly including current GPS coordinates, the location of the nearest known charging station, etc.

[0038] Vehicle binding information is used to confirm the association between the user and the vehicle being charged, ensuring that no one can illegally charge other vehicles. Vehicle binding information includes but is not limited to vehicle identification number, license plate number, user and vehicle binding time, and binding method.

[0039] Step S202, 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, and the user's historical payment location corresponding to the historical charging information is extracted.

[0040] The preset payment environment is a set of specific security standards used to determine whether the user's current operating environment is safe and trustworthy. The preset payment environment includes but is not limited to device type and model, operating system version, network environment, APP version, and device fingerprint.

[0041] Device type and model can refer to allowing only trusted devices, such as devices recommended by credit card companies or payment platforms. Operating system version can refer to ensuring that the user uses the latest or the latest few versions of the operating system, which usually contain the latest security patches. Network environment can refer to allowing payment only through secure networks, such as home Wi-Fi, enterprise networks, or specific mobile networks (such as 4G, 5G), avoiding the use of public Wi-Fi or unknown networks. App version can refer to ensuring that the user uses the latest version of the App, as older versions may contain known security vulnerabilities. Device fingerprint can refer to generating a unique identifier through the hardware and software features of the device to identify the uniqueness of the device.

[0042] Obtain the user's historical charging information, the system extracts the user's charging records in the past period from the database, including but not limited to charging time, charging location, charging amount, payment amount, payment method.

[0043] From the user's historical charging records, the system extracts the geographic location information at each payment in particular, which is used for subsequent location verification. Specifically, the geographic location in each charging record is analyzed, and the GPS coordinates of the charging station or the specific location when the user pays are extracted. The distribution of historical payment locations is analyzed to identify the geographic location area where the user often makes payments, such as the user's main activity area, home location, work location, etc. A reference for historical payment locations is generated, and these location information is summarized to generate a reference data for the user's historical payment locations.

[0044] Step S203, obtain the current charging location, determine the first payment location range according to the current charging location, and determine the second payment location range according to the first payment location range and the historical payment location.

[0045] Wherein, 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 ways: GPS positioning, Wi-Fi positioning, mobile network positioning, charging station device positioning, etc.

[0046] The system determines an initial payment location range (first payment location range) based on the obtained current charging location, which is a reasonable radius based on the current charging location, used to preliminarily judge whether the user is in a reasonable area for payment. Specifically, it can be achieved by setting a radius, calculating a range, and recording a range.

[0047] Wherein, setting a radius can refer to setting a reasonable radius range according to business requirements and the accuracy of geographic location, such as 1 km. Calculating a range can refer to calculating a circular area with a radius of 1 km centered on the current charging location. Recording a range can refer to recording this circular area as the first payment location range.

[0048] 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). Specifically, it can be achieved by analyzing the historical payment location, setting a weight, and merging a range.

[0049] Analyzing historical payment locations can refer to identifying a user's frequently used payment areas from their past payment history. Assigning weights involves assigning a weight value to each historical payment location based on its frequency. Merging ranges involves combining the first payment location range of the current charging location with the historical ranges of the user's frequently used payment locations to determine a more reasonable second payment location range.

[0050] Step S204: Detect whether the location information is within the range of the second payment location. If the location information is detected to be within the range of the second payment location, then detect whether the vehicle binding information is bound on the preset operation page.

[0051] In this process, by verifying whether the user's current location information is within the range of their usual payment locations, the system further confirms that the user's payment environment is trustworthy. If the user's current location is within the range of their usual payment locations, the system will consider the payment environment to be relatively safe.

[0052] The location information detection process specifically involves the system obtaining the user's current geographical location information via GPS, Wi-Fi, mobile network, or charging station equipment. Based on the analysis in step S202, the system has determined a second payment location range. This range is generated by combining the user's current charging location and historical payment locations. The system compares the user's current location information with the second payment location range to determine whether the user should make a payment within this range. If the user's current location information is within the second payment location range, the location verification is considered successful.

[0053] After location verification is successful, vehicle binding information is checked to ensure that the vehicle information used by the user during payment is bound through a legitimate and secure interface. This helps prevent malicious users from tampering with the bound information or using forged vehicle information for payment.

[0054] Step S205: If the vehicle binding information is detected as 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.

[0055] The system retrieves bound vehicle information from the user's account, including vehicle model, license plate number, and VIN code. It records the source of each vehicle information binding operation, including the specific page, time, and operation method. These records are checked to confirm whether the binding operation was performed on the preset operation page.

[0056] The preset operation page can refer to the user binding the vehicle through an authenticated interface in the App, the user binding the vehicle through an authenticated interface of an official website, or the user binding the vehicle through an official customer service telephone 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 reliable, and 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 fraudulent behavior.

[0057] For example, the user is using the latest version of the App, the device is an iPhone 13, the operating system is iOS 15, the network environment is 4G, the device model and operating system version meet the security standards, the user's GPS coordinates show that he is near a known charging station, the system recognizes the location of the charging station, the user binds his vehicle on the "My Vehicle" page of the App, the vehicle binding time is 3 months ago, and the binding method is also completed through an officially certified page. The user's charging order can be successfully paid.

[0058] Optionally, after completing the safe payment of the order in step S205, the safe payment method of the financial order can further include the following steps:

[0059] If it is detected that the login environment information does not meet the preset payment environment, the abnormal environment information in the login environment information is extracted.

[0060] 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, and the abnormal environment information and the abnormal location information are used to provide data reference for the R&D personnel.

[0061] The system checks whether the login environment information meets the preset payment environment. If it is found that there are parts in the login environment information that do not meet the standard, the system will record these abnormal information. For example, if the application version is illegal, the system will record the specific version number, and if the IP address is illegal, the system will record the specific IP address.

[0062] The system will obtain the geographic location information of the user when making payment, which is a preset geographic location range. The system will check whether the geographic location of the user is within the preset second payment location range. If the geographic location of the user is not within the preset range, the system will record the specific latitude and longitude information.

[0063] The abnormal environment information and the abnormal location information will be extracted and recorded, and provided to the R&D personnel as data reference. The 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 problems.

[0064] The embodiment of the application obtains payment information when the user makes a charging payment, analyzes the payment information, obtains login environment information, location information and vehicle binding information of the user, detects whether the login environment information meets a preset payment environment, if it is detected that the login environment information meets the preset payment environment, obtains historical charging information of the user, extracts a historical payment location of the user corresponding to the historical charging information, obtains a current charging location, determines a first payment location range according to the current charging location, determines a 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, detects whether the vehicle binding information is a binding operation on a preset operation page, if it is detected that the vehicle binding information is the binding operation on the preset operation page, performs disk writing on the payment information to complete safe payment of the order. The login environment information, the location information and the vehicle binding information in the payment information are obtained, the login environment information is detected, 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 on the preset operation page, the order payment is completed. Thus, the payment risk is comprehensively and automatically detected to safely complete payment of the financial order.

[0065] As shown in Figure 3 FIG. 1 is a flowchart of a method for safe payment of a financial order according to an embodiment of the application. The method includes the following steps:

[0066] Step S301, if it is detected that the vehicle binding information is the binding operation on the preset operation page, the execution time of the binding operation is obtained according to the vehicle binding information.

[0067] In step S204, the system has verified whether the vehicle binding information is the binding operation on the preset operation page. If the verification is passed, the system will continue to perform step S301, the system extracts a specific binding operation record from the binding record of the user account, and the system extracts a specific binding time from the vehicle binding record. For example, the system records that the user made a vehicle information binding through the official binding page in the App at 10:00 AM on January 1, 2025.

[0068] Step S302, if the execution time meets a preset target vehicle binding time, disk writing is performed on the payment information to complete safe payment of the order.

[0069] The target vehicle binding time is a preset time range used to determine whether the binding operation is performed within a reasonable timeframe. For example, when a user binds a vehicle on a preset operation page, the time spent on that page must meet the following range: greater than or equal to 30 seconds and less than or equal to 10 minutes. If the time is outside this range, it is considered a risky transaction, and the final payment process cannot proceed.

[0070] If the execution time matches the preset target vehicle binding time, payment for the charging order can be made.

[0071] In this embodiment, the execution time of the binding operation is detected to determine whether it meets the preset target binding time. If it does, the payment for the order is completed. By setting a target binding time, it ensures that the vehicle information bound by the user is recent, thus restricting unauthorized users from using scripts or other automated methods to illegally bind vehicles.

[0072] like Figure 4 The diagram shown is a flowchart illustrating a secure payment method for financial orders according to Embodiment 4 of the present invention. After detecting whether the vehicle binding information was performed on a preset operation page in step S204, the secure payment method for financial orders may further include the following steps:

[0073] Step S401: If it is detected that the vehicle binding information is not bound on the preset operation page, then the vehicle binding page of the preset operation page is generated.

[0074] 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 bound the vehicle through an unofficial third-party channel. The system generates a new, certified vehicle binding page, which is the official preset page, ensuring that the user can rebind the vehicle information in a secure environment.

[0075] Step S402: Perform the binding operation according to the vehicle binding page, and return to check whether the vehicle binding information was performed on the preset operation page.

[0076] In this process, users access the official preset vehicle binding page generated in step S401 via a link or notification provided by the system. On the binding page, users enter necessary information, including identity 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 completing all information input and verification, the user clicks the submit button to send the information to the server. The system receives the submitted data and processes it. The system executes the binding operation on the server side, updates the user's vehicle information, and records the time and source of the binding operation.

[0077] After the binding operation is completed, the system calls step S204 again to check whether the vehicle binding information submitted by the user was 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 vehicle binding page. If the source of the binding operation is indeed the official preset vehicle binding page, the system will continue to execute the 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 or notifying customer service.

[0078] In this embodiment, if the vehicle binding information is not bound on the preset operation page, a vehicle binding page for the preset operation page is generated, and the process of binding the vehicle information on the preset operation page is executed. This multi-factor authentication mechanism effectively prevents malicious users from committing fraudulent operations, ensuring the authenticity of the user's identity and the legality of the operation.

[0079] like Figure 5 The diagram shown is a flowchart illustrating a secure payment method for financial orders according to Embodiment 5 of the present invention. Step S202, which checks whether the login environment information conforms to a preset payment environment, may include the following steps:

[0080] Step S501: Based on the login environment information, obtain the application where the user is making the charging payment.

[0081] Step S502: If the application the user is using when making a charging payment is a preset application, then it is determined that the login environment information matches the preset payment environment. If the application the user is using when making a charging payment is not a preset application, then it is determined that the login environment information does not match the preset payment environment.

[0082] The system collects login environment information from the user's login device. This information includes the name of the application the user is using, and the system extracts the name of the currently used application from the login environment information. For example, the user may be using the official charging app, a third-party payment app, or other applications to make a charging payment.

[0083] The system compares the extracted application information with a preset application list, which includes the official charging app and some trusted third-party payment apps. If the extracted application information is in the preset application list, the system determines that the user's login environment information matches the preset payment environment and will continue to execute the subsequent payment operation. If the extracted application information is not in the preset application list, the system determines that the user's login environment information does not match the preset payment environment and will take further security measures, such as prompting the user to use the official app or website to perform the payment operation, or directly rejecting the payment request.

[0084] In the embodiment, by detecting the login environment information of the user, the application program in which the user is located when making the charging payment is obtained, and whether the application program is a preset application program is detected to obtain a detection result. Therefore, the legality of the payment environment is ensured, and the risk caused by using a non-official or unsafe application program for payment is reduced.

[0085] As shown in Figure 6 FIG. 1 is a flowchart of a financial order secure payment method provided by an embodiment of the present application. In step S204, whether the position information is within the second payment position range is detected. The step can include the following steps:

[0086] In step S601, the relative position distance between the user and the current charging position is obtained according to the position information.

[0087] In step S602, if the relative position distance is within the second payment position range, it is determined that the position information is 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.

[0088] In the embodiment, the current position information of the user is obtained from the device of the user. The information includes the latitude and longitude coordinates of the user device and the latitude and longitude coordinates of the charging pile. The distance between the current position of the user and the position of the charging pile is calculated using a geographic coordinate calculation method. The system compares the calculated relative position distance with the preset second payment position range. If the distance is within the range, it is determined that the position information is legal. If the distance is not within the range, it is determined that the position information is not legal.

[0089] In the embodiment, by obtaining the relative position distance between the user and the current charging position, whether the relative position distance is within the second payment position range is detected, and whether the order payment is safe is determined according to the detection result. Therefore, the risk caused by the user making payment in an unsafe or irregular position is reduced.

[0090] As shown in Figure 7 FIG. 2 is a flowchart of a financial order secure payment method provided by an embodiment of the present application. Before the payment information of the user when making the charging payment is obtained in step S201, the financial order secure payment method can further include the following steps:

[0091] In step S701, the overall application environment when the user logs in the charging application program is obtained.

[0092] In step S702, whether the overall application environment conforms to the preset payment environment is determined. If the overall application environment detection result conforms to the preset payment environment, the payment information of the user when making the charging payment is obtained.

[0093] The system collects overall application environment information from the user's device during login. This information includes, but is not limited to, application version, operating system version, device model, IP address, network type, geographical location, whether the application is running in the foreground, whether the device has security software installed, and whether there are any unauthorized third-party applications.

[0094] The preset payment environment can be referred to in step S202 above, and will not be repeated here. If the overall application environment information meets the preset payment environment, then step S201 will be executed.

[0095] It should be understood that the sequence number of each step in the above embodiments does not imply 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 embodiments of the present invention.

[0096] like Figure 8 The diagram shown is a schematic of a secure payment device for financial orders according to Embodiment 8 of the present invention. This secure payment device for financial orders corresponds one-to-one with the secure payment methods for financial orders in the above embodiments. The secure payment device for financial orders 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. Detailed descriptions of each functional module are as follows:

[0097] The information parsing module 81 is used to obtain the payment information when the user makes a charging payment, and to parse the payment information to obtain the user's login environment information, location information and vehicle binding information;

[0098] The detection module 82 is used to detect whether the login environment information conforms to the preset payment environment. If the login environment information conforms to the preset payment environment, the user's historical charging information is obtained and the user's historical payment location corresponding to the historical charging information is extracted.

[0099] The location range determination module 83 is used to obtain the current charging location, determine the first payment location range based on the current charging location, and determine the second payment location range based on the first payment location range and the historical payment location.

[0100] The vehicle binding information detection module 84 is used to detect whether the location information is within the range of the second payment location. If the location information is detected to be within the range of the second payment location, the module detects whether the vehicle binding information is a binding operation performed on a preset operation page.

[0101] The payment completion module 85 is used to write the payment information to the disk if the vehicle binding information is detected as a binding operation performed on a preset operation page, so as to complete the secure payment of the order.

[0102] Optionally, the secure payment device of the financial order further comprises:

[0103] An execution time obtaining module is configured to, after detecting whether the binding information is binding operation on the preset operation page, if it is detected that the binding information is binding operation on the preset operation page, obtain the execution time of the binding operation according to the binding information.

[0104] An execution time judging module is configured to, if the execution time meets the preset target binding time, perform the writing of the payment information to complete the secure payment of the order.

[0105] Optionally, the secure payment device of the financial order further comprises:

[0106] A binding page generating module is configured to, after detecting whether the binding information is binding operation on the preset operation page, if it is detected that the binding information is not binding operation on the preset operation page, generate a binding page of the preset operation page.

[0107] A binding operation executing module is configured to execute the binding operation according to the binding page, and return to detect whether the binding information is binding operation on the preset operation page.

[0108] Optionally, the detecting module 82 comprises:

[0109] An application program obtaining unit is configured to obtain the application program in which the user is located when performing the charging payment according to the login environment information.

[0110] A payment environment detecting unit is configured to, if the application program in which the user is located when performing the charging payment is the preset application program, determine that the login environment information meets the preset payment environment is detected, and if the application program in which the user is located when performing the charging payment is not the preset application program, determine that the login environment information does not meet the preset payment environment is detected.

[0111] Optionally, the binding information detecting module 84 comprises:

[0112] A relative position distance obtaining unit is configured to obtain the relative position distance between the user and the current charging position according to the position information.

[0113] A position information detecting unit is configured to, if the relative position distance is within the second payment position range, determine that the position information is within the second payment position range is detected, and if the relative position distance is not within the second payment position range, determine that the position information is not within the second payment position range is detected.

[0114] Optionally, the secure payment device of the financial order further comprises:

[0115] The overall application environment acquisition module is used to acquire the overall application environment when the user logs into the charging application before acquiring the user's payment information when making a charging payment.

[0116] The overall application environment detection module is used to determine whether the overall application environment meets the preset payment environment. If the overall application environment detection result meets the preset payment environment, the module will retrieve the payment information when the user makes a charging payment.

[0117] Optionally, the secure payment device for the financial order also includes:

[0118] The abnormal environment information acquisition module is used to extract abnormal environment information from the login environment information if the login environment information does not conform to the preset payment environment after the secure payment of the order is completed.

[0119] The abnormal location information extraction module is used to extract abnormal location information, abnormal environment information and abnormal location information from the location information if the detected location information is not within the range of the second payment location. These are used to provide data reference for R&D personnel.

[0120] Specific limitations regarding secure payment devices for financial orders can be found in the above description of secure payment methods for financial orders, and will not be repeated here. Each module in the aforementioned secure payment device for financial orders can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the corresponding operations of each module.

[0121] like Figure 9 The diagram shown is a schematic representation of a computer device structure according to 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. The processor provides computing and control capabilities. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage medium. The network interface is used to communicate with external terminals via a network connection. When the computer program is executed by the processor, it implements a secure payment method for financial orders.

[0122] 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, it implements the secure payment method for financial orders described in the above embodiments, for example... Figures 2 to 7The functions of the information analysis 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 repeated here. Alternatively, the computer program is executed by the processor to implement the functions of the modules / units in the embodiment of the secure payment device of the financial order, such as Figure 8 The functions of the information analysis 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 repeated here. Alternatively, the computer program is executed by the processor to implement the functions of the modules / units in the embodiment of the secure payment device of the financial order, such as

[0123] In an embodiment, a computer readable storage medium is provided, and the computer readable storage medium stores a computer program. The computer program is executed by a processor to implement the secure payment method of the financial order in the above embodiments, such as Figures 2 to 7 The functions of the information analysis 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 repeated here. Alternatively, the computer program is executed by the processor to implement the functions of the modules / units in the embodiment of the secure payment device of the financial order, such as Figure 8 The functions of the information analysis 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 repeated here. Alternatively, the computer program is executed by the processor to implement the functions of the modules / units in the embodiment of the secure payment device of the financial order, such as

[0124] A person of ordinary skill in the art can understand that all or part of the processes in the above embodiments can be completed by a computer program instructing related hardware. 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 above embodiments. Any reference to memory, storage, database, or other medium in the embodiments provided by the present application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration but not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct RAM bus dynamic RAM (DRDRAM), and Rambus dynamic RAM (RDRAM).

[0125] Those skilled in the art can clearly understand that, for the convenience and brevity of description, only the above-mentioned division of each functional unit and module is exemplified, and in actual application, the above-mentioned functions can be completed by different functional units and modules according to needs, that is, the internal structure of the device is divided into different functional units or modules to complete all or part of the functions described above.

[0126] The above-described embodiments are only used to illustrate the technical solutions of the present application, rather than limit them; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that the technical solutions recorded in the foregoing embodiments can be modified, or some technical features can be replaced by equivalents; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in the protection scope of the present application.

Claims

1. A method for secure payment of a financial order, characterized by, The method comprises the following steps: obtaining payment information when a user makes a charging payment, analyzing the payment information to obtain login environment information, location information and binding vehicle information of the user; detecting whether the login environment information meets a preset payment environment, and if it is detected that the login environment information meets the preset payment environment, obtaining historical charging information of the user and extracting a historical payment location of the user corresponding to the historical charging information; obtaining a current charging location, determining a first payment location range according to the current charging location, and determining a second payment location range according to the first payment location range and the historical payment location; 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 binding vehicle information is a binding operation on a preset operation page; if it is detected that the binding vehicle information is a binding operation on the preset operation page, performing disk writing on the payment information to complete a secure payment of an order.

2. The secure payment method of financial order according to claim 1, characterized in that, After the detection of whether the binding vehicle information is a binding operation on a preset operation page, the method further comprises the following steps: if it is detected that the binding vehicle information is a binding operation on the preset operation page, obtaining an execution time of the binding operation according to the binding vehicle information; if the execution time meets a preset target binding vehicle time, performing the disk writing on the payment information to complete the secure payment of the order.

3. The secure payment method of financial order according to claim 1, characterized in that, After the detection of whether the binding vehicle information is a binding operation on a preset operation page, the method further comprises the following steps: if it is detected that the binding vehicle information is not a binding operation on the preset operation page, generating a binding vehicle page of the preset operation page; performing a binding operation according to the binding vehicle page and returning to the detection of whether the binding vehicle information is a binding operation on a preset operation page.

4. The secure payment method of financial order according to claim 1, characterized in that, The preset payment environment comprises a preset application program, and the detection of whether the login environment information meets a preset payment environment comprises the following steps: obtaining an application program in which the user is located when making a charging payment according to the login environment information; if the application program in which the user is located when making a charging payment is the preset application program, it is determined that the login environment information meets the preset payment environment, and if the application program in which the user is located when making a charging payment is not the preset application program, it is determined that the login environment information does not meet the preset payment environment.

5. The secure payment method of financial order according to claim 1, wherein, The detection of whether the location information is within the second payment location range comprises the following steps: obtaining a relative location distance between the user and the current charging location according to the location information; if the relative location distance is within the second payment location range, it is determined that the location information is within the second payment location range, and if the relative location distance is not within the second payment location range, it is detected that the location information is not within the second payment location range.

6. The secure payment method of financial order according to claim 1, wherein, Before the obtaining of the payment information when the user makes a charging payment, the method further comprises the following steps: obtaining an overall application environment when the user logs in a charging application program; judging whether the overall application environment meets the preset payment environment, and if the overall application environment meets the preset payment environment, acquiring payment information of the user when the user makes a payment for charging.

7. The secure payment method of financial order according to claim 1, characterized in that, After the secure payment of the completed order, the method further includes: If the login environment information is detected to not meet the preset payment environment, extracting abnormal environment information in the login environment information; If the location information is detected to not be within the second payment location range, extracting abnormal location information in the location information, and the abnormal environment information and the abnormal location information are used to provide data reference for a developer.

8. A secure payment apparatus for financial orders, characterized by The method includes: an information analysis module, configured to acquire payment information of the user when the user makes a payment for charging, analyze the payment information, and obtain login environment information, location information, and vehicle binding information of the user; a detection module, configured to detect whether the login environment information meets a preset payment environment, and if the login environment information is detected to meet the preset payment environment, acquire historical charging information of the user, and extract a historical payment location of the user corresponding to the historical charging information; a location range determination module, configured to acquire a current charging location, determine a first payment location range according to the current charging location, and determine a second payment location range according to the first payment location range and the historical payment location; a vehicle binding information detection module, configured to detect whether the location information is within the second payment location range, and if the location information is detected to be within the second payment location range, detect whether the vehicle binding information is a binding operation on a preset operation page; a payment completion module, configured to if the vehicle binding information is detected to be the binding operation on the preset operation page, perform disk writing on the payment information to complete 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, The processor executes the computer program to implement the secure payment method of the financial order in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, the computer program comprising instructions that, when executed by a computer, cause the computer to perform the method of any one of claims 1 to 9. The computer program is executed by the processor to implement the secure payment method of the financial order in any one of claims 1 to 7.

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