Disclosure of Invention
The invention provides a data monitoring method, a mobile phone payment terminal, a server and a payment system, which are used for solving the problem of risk in the conventional payment by using a mobile phone.
In a first aspect, the present invention provides a data monitoring method, including:
acquiring monitoring indication information;
acquiring at least one of current position information, on-site image information and on-site sound information of the mobile phone payment terminal according to the monitoring indication information to acquire monitoring information;
and uploading the collected monitoring information to a mobile phone transaction server so that the mobile phone transaction server monitors the use state of the mobile phone payment terminal based on the monitoring information.
In a second aspect, the present invention provides a data monitoring method, including:
receiving monitoring information uploaded by a mobile payment terminal, wherein the monitoring information is at least one of position information, field image information and field sound information of the mobile payment terminal, which is acquired by the mobile payment terminal and is currently located;
and monitoring the use state of the mobile phone payment terminal according to the monitoring information.
In a third aspect, the present invention provides a mobile payment terminal, including:
the acquisition module is used for acquiring monitoring indication information;
the acquisition module is used for acquiring at least one of current position information, field image information and field sound information of the mobile phone payment terminal according to the monitoring indication information to acquire monitoring information;
and the sending module is used for uploading the acquired monitoring information to a mobile phone transaction server so that the mobile phone transaction server can monitor the use state of the mobile phone payment terminal based on the monitoring information.
In a fourth aspect, the present invention provides a mobile transaction server, including:
the mobile payment terminal comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving monitoring information uploaded by the mobile payment terminal, and the monitoring information is at least one of position information, field image information and field sound information of the mobile payment terminal, which are acquired by the mobile payment terminal, of the mobile payment terminal;
and the monitoring module is used for monitoring and processing the use state of the mobile phone payment terminal according to the monitoring information.
In a fifth aspect, the invention provides a mobile payment system, which includes the above mobile payment terminal and the above mobile transaction server, wherein the mobile payment terminal is remotely connected with the mobile transaction server.
According to the data monitoring method, the mobile phone payment terminal, the server and the payment system, monitoring information can be collected through the mobile phone payment terminal and uploaded to the mobile phone transaction server, so that the mobile phone transaction server can monitor the use state of the mobile phone payment terminal, and risks existing when the mobile phone payment terminal is used for payment are reduced.
Detailed Description
Example one
Fig. 1 is a flowchart of a data monitoring method according to an embodiment of the present invention. As shown in fig. 1, the method comprises the steps of:
step 101, acquiring monitoring indication information;
102, acquiring at least one of current position information, field image information and field sound information of the mobile phone payment terminal according to the monitoring indication information to acquire monitoring information;
and 103, uploading the collected monitoring information to a mobile phone transaction server so that the mobile phone transaction server can monitor the transaction condition of the mobile phone payment terminal based on the monitoring information.
The monitoring indication information can be borne in a configuration file stored in the mobile phone payment terminal, and the configuration file is loaded to obtain the monitoring indication information; the monitoring indication information can also be set and generated by the mobile transaction server and sent to the mobile payment terminal, and the mobile payment terminal collects the current use state according to the acquired monitoring indication information. It will be understood by those skilled in the art that the monitoring instruction information may include a monitoring time period and/or monitoring contents, etc., at which time the monitoring is performed and whether live images or live sounds are monitored, etc. may be set by the monitoring instruction information.
The embodiment can be applied to monitoring the transaction of the mobile phone payment terminal, the execution main body of the embodiment is the mobile phone payment terminal, the mobile phone payment terminal is connected with the mobile phone transaction server through a communication network, and then monitoring information acquired based on the monitoring indication information is sent to the mobile phone transaction server. Specifically, the mobile phone payment terminal sends a data transmission request to the mobile phone transaction server, the mobile phone transaction server returns a request response to the mobile phone payment terminal after receiving the transmission request, the mobile phone payment terminal forms a message by collected monitoring information according to a certain format and sends the message to the mobile phone transaction server, the mobile phone transaction server unpacks the received message, extracts required monitoring data from the message, and monitors the use state of the mobile phone payment terminal according to the monitoring data.
According to the data monitoring method provided by the invention, the monitoring information can be acquired through the mobile phone payment terminal and uploaded to the mobile phone transaction server, so that the mobile phone transaction server can monitor the use condition and the transaction condition of the mobile phone payment terminal, and the risk of payment by using the mobile phone payment terminal is reduced.
Example two
Fig. 2 is a flowchart of a data monitoring method according to a second embodiment of the present invention. An execution subject of the data monitoring method in this embodiment is a mobile payment terminal, and specifically, as shown in fig. 2, the method includes the following steps:
step 201, acquiring monitoring indication information stored on a mobile phone payment terminal;
in this embodiment, the monitoring instruction information is carried in a configuration file stored in the mobile payment terminal, and the monitoring instruction information can be acquired by loading the configuration file.
Step 202, collecting at least one of current position information, on-site image information and on-site sound information of the mobile phone payment terminal according to the monitoring indication information to obtain monitoring information;
in this embodiment, the monitoring indication information includes a monitoring time period, and this step may specifically be: and in the monitoring time period contained in the monitoring indication information, at least one of the current position information, the field image information and the field sound information of the mobile phone payment terminal is acquired to obtain the monitoring information. In this embodiment, the monitoring time period is a transaction time period when the mobile payment terminal performs a transaction, when a user performs a payment transaction with the mobile payment terminal, the mobile payment terminal starts the acquisition function, acquires the current use state in the transaction time period, and when the transaction is completed, the mobile payment terminal closes the acquisition function to complete acquisition of monitoring information in the time period.
In this embodiment, the position information can be positioned by a satellite, such as GPS, beidou, etc., to obtain the position information of the geographic position of the mobile payment terminal, or the position information of the mobile payment terminal can be obtained by a GPRS module through a communication base station, or by a near field module through WIFI. The image information can be acquired through a camera on the mobile phone payment terminal, and the sound information can be acquired through a microphone (microphone) built in the mobile phone payment terminal.
And 203, uploading the collected monitoring information to a mobile phone transaction server so that the mobile phone transaction server monitors the use state of the mobile phone payment terminal based on the monitoring information.
In this embodiment, the mobile payment terminal establishes a connection with the mobile transaction server through a communication network, and then sends monitoring information acquired based on the monitoring instruction information to the mobile transaction server. Specifically, the mobile phone payment terminal sends a data transmission request to the mobile phone transaction server, the mobile phone transaction server returns a request response to the mobile phone payment terminal after receiving the transmission request, the mobile phone payment terminal forms a message by collected monitoring information according to a certain format and sends the message to the mobile phone transaction server, the mobile phone transaction server unpacks the received message, extracts required monitoring data from the message, and monitors the use state of the mobile phone payment terminal according to the monitoring data.
EXAMPLE III
Fig. 3 is a flowchart of a data monitoring method according to a third embodiment of the present invention. The execution subject in this embodiment is a mobile payment terminal, and specifically, as shown in fig. 3, the method includes the following steps:
step 301, receiving monitoring indication information sent by a mobile phone transaction server;
in this embodiment, the monitoring instruction information is sent to the mobile payment terminal by the mobile transaction server, and the mobile transaction server can set the monitoring instruction information as needed, set a time period or monitoring content and the like to be monitored, and send the time period or monitoring content and the like to the mobile payment terminal, so that the mobile payment terminal obtains the monitoring information according to the monitoring instruction information.
Step 302, collecting at least one of current position information, on-site image information and on-site sound information of the mobile phone payment terminal according to the monitoring indication information to obtain monitoring information;
and 303, uploading the collected monitoring information to a mobile phone transaction server so that the mobile phone transaction server can monitor the use state of the mobile phone payment terminal based on the monitoring information.
In this embodiment,step 302 and step 303 are the same asstep 202 and step 203, respectively, in the first embodiment, and refer to the description of the first embodiment.
Example four
Fig. 4 is a flowchart of a data monitoring method according to a fourth embodiment of the present invention, where an execution main body of the data monitoring method according to the fourth embodiment of the present invention is a mobile transaction server, and monitoring information uploaded by a mobile payment terminal according to the first embodiment and the second embodiment of the present invention can be processed, and specifically, as shown in fig. 4, the method includes the following steps:
step 401, receiving monitoring information uploaded by a mobile payment terminal, wherein the monitoring information is at least one of position information, field image information and field sound information of the mobile payment terminal, which is acquired by the mobile payment terminal and is currently located;
in this embodiment, after receiving a transmission request sent by a mobile payment terminal, a mobile transaction server returns a request response to the mobile payment terminal, and then the mobile payment terminal forms a message with the collected monitoring information according to a certain format and sends the message to the mobile transaction server, and the mobile transaction server receives and unpacks the message, and extracts the monitoring information from the message.
And 402, monitoring the use state of the mobile phone payment terminal according to the monitoring information.
After receiving monitoring information sent by the mobile phone payment terminal, comparing the monitoring information with information of the mobile phone payment terminal prestored on a mobile phone transaction server to determine whether an abnormality occurs, if the abnormality is found, indicating that the payment transaction of the mobile phone payment terminal has a risk, and notifying a user or an administrator, if image information or sound information in the monitoring information is greatly different from the prestored information, the transaction server can terminate the payment transaction and notify the user and the administrator.
In this embodiment,step 401, receiving the monitoring information uploaded by the mobile payment terminal, and then further including: the monitoring information is stored. The mobile phone transaction server stores the received monitoring information after receiving the monitoring information uploaded by the mobile phone payment terminal, so that the stored monitoring information can be called and checked later, and if the mobile phone payment terminal is abnormal in use, the use condition of the mobile phone payment terminal can be tracked according to the stored monitoring information, so that problems can be further found.
According to the data monitoring method provided by the embodiment, the transaction condition or the use condition of the mobile phone payment terminal is monitored and processed by the mobile phone transaction server according to the received monitoring information, so that the risk existing in the use of the mobile phone payment terminal can be found in time.
EXAMPLE five
Fig. 5 is a flowchart of a data monitoring method according to a fifth embodiment of the present invention, where an execution subject of the data monitoring method in this embodiment is a mobile transaction server, and monitoring information uploaded by a mobile payment terminal in the first embodiment and the third embodiment may be processed, and specifically, as shown in fig. 5, the method includes the following steps:
step 501, sending monitoring indication information to a mobile phone payment terminal;
in this embodiment, the mobile phone transaction server first sends monitoring instruction information to the mobile phone payment terminal to instruct the mobile phone payment terminal to acquire the monitoring information, where the monitoring instruction information includes a monitoring time period, the monitoring time period in this embodiment is transaction time of the mobile phone payment terminal, and the mobile phone payment terminal can collect and upload the monitoring information within the transaction time.
502, receiving monitoring information uploaded by a mobile phone payment terminal;
and 503, monitoring the use state of the mobile phone payment terminal according to the monitoring information.
In this embodiment,step 502 and step 503 are the same asstep 401 and step 402 in the fourth embodiment, respectively, and the detailed description is provided in the fourth embodiment.
EXAMPLE six
Fig. 6 is a schematic structural diagram of a mobile payment terminal according to a sixth embodiment of the present invention, and as shown in fig. 6, the mobile payment terminal according to the present embodiment includes an obtaining module 601, a collecting module 602, and a sending module 603, where:
an obtaining module 601, configured to obtain monitoring indication information;
the acquisition module 602 is configured to acquire at least one of current position information, on-site image information, and on-site sound information of the mobile phone payment terminal according to the monitoring instruction information, and acquire monitoring information;
the sending module 603 is configured to upload the collected monitoring information to the mobile transaction server, so that the mobile transaction server monitors the use state of the mobile payment terminal based on the monitoring information.
As shown in fig. 6, the mobile payment terminal in this embodiment further includes an indication storage module 604, where the indication storage module 604 is configured to store monitoring indication information, specifically, store a configuration file carrying the monitoring indication information, where the monitoring indication information is carried in the configuration file, and the obtaining module 601 may obtain the monitoring indication information by loading the configuration file.
In this embodiment, the acquisition module 602 further includes a positioning unit, an image acquisition unit and/or a sound acquisition unit, where the positioning unit is configured to acquire and obtain the current location information of the mobile payment terminal; the image acquisition unit is used for acquiring the current site image information of the mobile phone payment terminal; and the sound acquisition unit is used for acquiring the current site sound information of the mobile phone payment terminal.
Specifically, the positioning unit can be used for positioning through a satellite, such as a GPS (global positioning system), a Beidou and the like, so as to acquire position information, and the positioning unit can also be used for positioning through a communication base station or positioning through a WIFI (wireless fidelity) by using a near field module to acquire the position information of the mobile payment terminal. The image acquisition unit can specifically include the camera of taking certainly on the mobile payment terminal, gathers image information with the camera, and sound acquisition unit specifically can include built-in MIC on the mobile payment terminal, gathers on-the-spot sound information through MIC.
In this embodiment, the monitoring instruction information includes a monitoring time period, and the acquisition module 602 is specifically configured to acquire at least one of current position information, on-site image information, and on-site sound information of the mobile phone payment terminal in the monitoring time period, so as to obtain the monitoring information. In this embodiment, the monitoring time period is a transaction time period when the mobile payment terminal performs a transaction, when a user performs a payment transaction with the mobile payment terminal, the acquisition module 602 starts to acquire monitoring information and send the acquired monitoring information to the mobile transaction server, and when the transaction is completed, the mobile payment terminal closes an acquisition function, and thus the acquisition and sending of the monitoring information in the time period are completed.
The mobile payment terminal of this embodiment can realize the collection and report of the monitoring information based on the steps in the second embodiment of the method of the present invention, and specific implementation thereof can refer to the description of the second embodiment of the method of the present invention.
EXAMPLE seven
The structural schematic diagram of the mobile payment terminal provided in the embodiment of the present invention is shown in fig. 7, and includes an obtaining module 701, an acquiringmodule 702, a sendingmodule 703 and an indication receiving module 704, where the indication receiving module 704 is configured to receive monitoring indication information sent by a mobile transaction server, and the monitoring indication information obtained by the obtaining module 701 is monitoring indication information sent by the mobile transaction server and received by the indication receiving module 704.
In this embodiment, the functions of theacquisition module 702 and the sendingmodule 703 are the same as those of the acquisition module 602 and the sending module 603 in the sixth embodiment, which is described in detail in the sixth embodiment.
In this embodiment, the mobile payment terminal may collect monitoring information according to a monitoring instruction issued by the transaction server of the mobile payment terminal, and the specific implementation of the mobile payment terminal may refer to the description of the third embodiment of the method of the present invention.
Example eight
Fig. 8 is a schematic structural diagram of a mobile transaction server according to an eighth embodiment of the present invention, and as shown in fig. 8, the mobile transaction server according to the present embodiment includes: a receivingmodule 801 and amonitoring module 802, wherein:
the receivingmodule 801 is configured to receive monitoring information uploaded by a mobile payment terminal, where the monitoring information is at least one of position information, on-site image information, and on-site sound information of the mobile payment terminal, where the position information, the on-site image information, and the on-site sound information of the mobile payment terminal are collected by the mobile payment terminal.
And themonitoring module 802 is used for monitoring the use state of the mobile phone payment terminal according to the monitoring information.
The mobile phone transaction server in this embodiment further includes astorage module 803, configured to store the monitoring information received by the receivingmodule 801.
The mobile phone transaction server provided in this embodiment may monitor the use state of the mobile phone payment terminal based on the monitoring information sent by the mobile phone payment terminal, and for specific implementation, reference may be made to the description of the fourth embodiment of the method of the present invention.
Example nine
Fig. 9 is a schematic structural diagram of a mobile transaction server according to a ninth embodiment of the present invention, and as shown in fig. 9, the mobile transaction server according to the present embodiment includes: the mobile phone payment terminal comprises a receivingmodule 901, amonitoring module 902, astorage module 903 and anindication sending module 904, wherein theindication sending module 904 is used for sending monitoring indication information, so that the mobile phone payment terminal collects at least one of current position information, on-site image information and on-site sound information of the mobile phone payment terminal according to the monitoring indication information sent by theindication sending module 904.
In this embodiment, the receivingmodule 901, themonitoring module 902, and thestorage module 903 have the same functions as the receivingmodule 801, themonitoring module 802, and thestorage module 803 in the eighth embodiment, which is described in detail in the eighth embodiment.
The mobile phone transaction server provided in this embodiment may send the monitoring instruction information to the mobile phone payment terminal, so that the mobile phone payment terminal collects the monitoring information according to the monitoring instruction information, and the specific implementation of the monitoring information collection method may be referred to the description of the fifth embodiment of the method of the present invention.
Example ten
Fig. 10 is a schematic structural diagram of a mobile payment system provided in the embodiment of the present invention, and as shown in fig. 10, the mobile payment system provided in the embodiment includes: the mobilephone payment terminal 1001 and the mobilephone transaction server 1002 remotely connected to the mobilephone payment terminal 1001 may respectively adopt the mobile phone payment terminal described in the sixth embodiment and the mobile phone transaction server described in the eighth embodiment, or may respectively adopt the mobile phone payment terminal described in the seventh embodiment and the mobile phone transaction server described in the ninth embodiment, and the detailed description thereof is given in the sixth embodiment and the eighth embodiment, or the seventh embodiment and the ninth embodiment, and therefore, the detailed description thereof is omitted.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.