CN105809418A - Mobile payment verification method, device and system - Google Patents
Mobile payment verification method, device and system Download PDFInfo
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- CN105809418A CN105809418A CN201610182301.XA CN201610182301A CN105809418A CN 105809418 A CN105809418 A CN 105809418A CN 201610182301 A CN201610182301 A CN 201610182301A CN 105809418 A CN105809418 A CN 105809418A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses a mobile payment verification method, device and system.The device comprises a receiving module, a matching module and a sending module, wherein the receiving module is used for receiving broadcast messages sent by a receipt terminal, the broadcast messages carry user consumption information, user fingerprint information collected by the receipt terminal and equipment information of the receipt terminal, the matching module is used for matching the user fingerprint information carried by the broadcast messages and locally-stored fingerprint information, the sending module is used for sending a payment instruction to a third-party payment platform if the user fingerprint information carried by the broadcast messages and the locally-stored fingerprint information are matched, and performing payment operation to the receipt terminal through the third-party payment platform, and the payment instruction comprises equipment information of the receipt terminal, the consumption sum corresponding to the consumption information and a payment account related to the fingerprint information.Due to the mobile payment verification mode that low-power-consumption Bluetooth and other wireless connection and fingerprint verification are combined, the mobile payment verification process is simplified, the user mobile payment experiment is optimized, and the user requirement is met.
Description
Technical field
The present invention relates to mobile payment technical field, particularly relate to a kind of mobile payment verification method, Apparatus and system.
Background technology
At present, mobile terminal is when carrying out payment verification, the main use encoding of graphs such as mode such as bar code, Quick Response Code, mobile phone NFC transmits the account number voucher of user to payment terminal, uses fingerprint or password that mobile terminal user is carried out authentication on mobile terminals.But, this method needs cumbersome user operation, and such as user needs mobile terminal screen is carried out various clicking operation, thus causes inconvenience to the user.
Summary of the invention
Present invention is primarily targeted at proposition a kind of mobile payment verification method, Apparatus and system.It is intended to simplify mobile payment proof procedure.
For achieving the above object, a kind of mobile payment checking device provided by the invention, including:
Receiver module, for receiving the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
Matching module, mates with locally stored finger print information for the user fingerprints information described broadcast carried；
Sending module, if for the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
Preferably, described device also includes:
Module is set up in link, links for setting up low-frequency wireless with described cash receiving terminal, and the link of described low-frequency wireless at least includes bluetooth, WIFI.
Preferably, described matching module, it is additionally operable to the facility information of described cash receiving terminal by the terminal device information that current wireless links carries with described broadcast and mates；If all the match is successful for finger print information and facility information, then send payment instruction to Third-party payment platform.
Preferably, described device also includes:
Relating module, for gathering the finger print information of user, associates finger print information corresponding for user with corresponding payment account.
The embodiment of the present invention also proposes a kind of mobile payment checking system, including: mobile terminal and the cash receiving terminal with described mobile terminal wireless link；Wherein:
Described mobile terminal includes device as above；
Described cash receiving terminal, for obtaining the consumption information of user, and gathers the finger print information of user, sends described broadcast to described mobile terminal.
Preferably, described cash receiving terminal, what be additionally operable to reception Third-party payment platform transmission completes payment information.
The embodiment of the present invention also proposes a kind of mobile payment verification method, including:
Mobile terminal receives the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
The user fingerprints information described broadcast carried is mated with locally stored finger print information；
If the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
Preferably, described mobile terminal also includes before receiving the step of the broadcast that cash receiving terminal sends:
Setting up low-frequency wireless with described cash receiving terminal to link, the link of described low-frequency wireless at least includes bluetooth, WIFI.
Preferably, the described user fingerprints information described broadcast carried carries out with locally stored finger print information also including in the step mated:
The facility information of the described cash receiving terminal that the terminal device information that current wireless is linked by described mobile terminal carries with described broadcast mates；
If all the match is successful for finger print information and facility information, then perform step: send payment instruction to Third-party payment platform.
Preferably, also include before the step of the broadcast that described mobile terminal reception cash receiving terminal sends:
Described mobile terminal gathers the finger print information of user, is associated with corresponding payment account by finger print information corresponding for user.
A kind of mobile payment verification method of present invention proposition, Apparatus and system, mobile terminal receives the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；The user fingerprints information described broadcast carried is mated with locally stored finger print information；If the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding, and the payment account associated with described finger print information, from there through the mobile payment verification mode that the wireless connections such as low-power consumption bluetooth are combined with fingerprint authentication, simplify mobile payment proof procedure, optimize user's mobile payment to experience, meet user's request.
Accompanying drawing explanation
Fig. 1 is an optional hardware architecture diagram of the mobile terminal realizing each embodiment of the present invention；
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；
Fig. 3 is the high-level schematic functional block diagram of mobile payment of the present invention checking device first embodiment；
Fig. 4 is the mutual schematic diagram of mobile payment checking system in the embodiment of the present invention；
Fig. 5 is the high-level schematic functional block diagram of mobile payment of the present invention checking device the second embodiment；
Fig. 6 is the high-level schematic functional block diagram of mobile payment of the present invention checking device the 3rd embodiment；
Fig. 7 is the schematic flow sheet of mobile payment verification method first embodiment of the present invention；
Fig. 8 is the schematic flow sheet of mobile payment verification method the second embodiment of the present invention；
Fig. 9 is the schematic flow sheet of mobile payment verification method the 3rd embodiment of the present invention.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Detailed description of the invention
Should be appreciated that specific embodiment described herein is only in order to explain the present invention, is not intended to limit the present invention.
The mobile terminal realizing each embodiment of the present invention is described referring now to accompanying drawing.In follow-up description, use the suffix being used for representing such as " module ", " parts " or " unit " of element only for being conducive to the explanation of the present invention, itself do not have specific meaning.Therefore, " module " and " parts " can mixedly use.
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can include the mobile terminal of such as mobile phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP (portable media player), guider etc. and the fixed terminal of such as numeral TV, desk computer etc..Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, except being used in particular for the element of mobile purpose, structure according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is an optional hardware architecture diagram of the mobile terminal realizing each embodiment of the present invention.
Mobile terminal 100 can include wireless communication unit 110, A/V (audio/video) input block 120, user input unit 130, sensing unit 140, output unit 150, memorizer 160, interface unit 170, controller 180 and power subsystem 190 etc..Fig. 1 illustrates the mobile terminal with various assembly, it should be understood that be not required for implementing all assemblies illustrated.Can alternatively implement more or less of assembly.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows the radio communication between mobile terminal 100 and wireless communication system or network.Such as, wireless communication unit can include at least one in broadcast reception module 111, mobile communication module 112, wireless Internet module 113, short range communication module 114 and positional information module 115.
Broadcast reception module 111 manages server via broadcast channel from external broadcasting and receives broadcast singal and/or broadcast related information.Broadcast channel can include satellite channel and/or terrestrial channel.Broadcast management server can be generate and send the server of broadcast singal and/or broadcast related information or broadcast singal that reception is previously created and/or broadcast related information and send it to the server of terminal.Broadcast singal can include TV broadcast singal, radio signals, data broadcasting signal etc..And, broadcast singal may further include the broadcast singal combined with TV or radio signals.Broadcast related information can also provide via mobile communications network, and in this case, broadcast related information can be received by mobile communication module 112.Broadcast singal can exist in a variety of manners, such as, it can exist with the electronic program guides (EPG) of DMB (DMB), the form of the electronic service guidebooks (ESG) etc. of digital video broadcast-handheld (DVB-H).Broadcast reception module 111 can be passed through to use various types of broadcast systems to receive signal broadcast.Especially, broadcast reception module 111 can be passed through to use such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), DVB-hand-held (DVB-H), forward link media (MediaFLO) Radio Data System, received terrestrial digital broadcasting integrated service (ISDB-T) etc. digit broadcasting system receive digital broadcasting.Broadcast reception module 111 may be constructed such that the various broadcast systems and above-mentioned digit broadcasting system that are adapted to provide for broadcast singal.The broadcast singal and/or the broadcast related information that receive via broadcast reception module 111 can be stored in memorizer 160 (or other type of storage medium).
Mobile communication module 112 sends radio signals at least one in base station (such as, access point, node B etc.), exterior terminal and server and/or receives from it radio signal.Such radio signal can include voice call signal, video calling signal or the various types of data sending according to text and/or Multimedia Message and/or receiving.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can internally or externally be couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include WLAN (WLAN) (Wi-Fi), Wibro (WiMAX), Wimax (worldwide interoperability for microwave access), HSDPA (high-speed downlink packet access) etc..
User input unit 130 can generate key input data to control the various operations of mobile terminal according to the order of user's input.User input unit 130 allows user to input various types of information, and can include keyboard, metal dome, touch pad (such as, detection due to touched and cause resistance, pressure, electric capacity etc. the sensitive component of change), roller, rocking bar etc..Especially, when touch pad is superimposed upon on display unit 151 as a layer, it is possible to form touch screen.
Sensing unit 140 detects the current state of mobile terminal 100, (such as, mobile terminal 100 open or close state), the position of mobile terminal 100, user for mobile terminal 100 contact (namely, touch input) presence or absence, the orientation of mobile terminal 100, mobile terminal 100 acceleration or deceleration move and direction etc., and generate the order of operation for controlling mobile terminal 100 or signal.Such as, when mobile terminal 100 is embodied as sliding-type mobile phone, sensing unit 140 can sense this sliding-type phone and open or close.It addition, sensing unit 140 can detect power subsystem 190 and whether provide whether electric power or interface unit 170 couple with external device (ED).
Interface unit 170 is used as at least one external device (ED) and is connected, with mobile terminal 100, the interface that can pass through.Such as, external device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or wireless FPDP, memory card port, for connecting the port of the device with identification module, audio frequency input/output (I/O) port, video i/o port, ear port etc..Identification module can be that storage is for verifying that user uses the various information of mobile terminal 100 and can include subscriber identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) etc..It addition, the device (hereinafter referred to " identifying device ") with identification module can take the form of smart card, therefore, identify that device can be connected with mobile terminal 100 via port or other connecting device.Interface unit 170 may be used for receiving from the input (such as, data message, electric power etc.) of external device (ED) and the one or more elements being transferred in mobile terminal 100 by the input received or may be used for transmission data between mobile terminal and external device (ED).Such as mobile terminal receives, by interface unit 170, the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal.
Additionally, when mobile terminal 100 is connected with external base, interface unit 170 can serve as and allows to provide the path of mobile terminal 100 or can serve as to allow to be transferred to the path of mobile terminal from the various command signals of base input by it from base electric power by it.May serve as whether identification mobile terminal is accurately fitted within the signal base from the various command signals of base input or electric power.Output unit 150 is configured to provide output signal (such as, audio signal, video signal, alarm signal, vibration signal etc.) with vision, audio frequency and/or tactile manner.
Output unit 150 can include display unit 151 etc..
Display unit 151 may be displayed on the information processed in mobile terminal 100.Such as, when mobile terminal 100 is in telephone calling model, display unit 151 can show the user interface (UI) relevant with call or other communicate (such as, text messaging, multimedia file download etc.) or graphic user interface (GUI).When being in video calling pattern or image capture mode when mobile terminal 100, display unit 151 can show the image of image and/or the reception caught, UI or GUI illustrating video or image and correlation function etc..
Meanwhile, when display unit 151 and touch pad as a layer superposed on one another to form touch screen time, display unit 151 can serve as input equipment and output device.Display unit 151 can include at least one in liquid crystal display (LCD), thin film transistor (TFT) LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc..Some in these display may be constructed such that transparence is to allow user to watch from outside, and this is properly termed as transparent display, and typical transparent display can be such as TOLED (transparent organic light emitting diode) display etc..According to the specific embodiment wanted, mobile terminal 100 can include two or more display units (or other display device), such as, mobile terminal can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can be used for detecting touch input pressure and touch input position and touch input area.
Memorizer 160 can store the process performed by controller 180 and the software program controlling operation etc., such as mobile payment checking application program, or can temporarily store the data (such as, telephone directory, message, still image, video etc.) that oneself maybe will export through output.And, memorizer 160 can store the vibration about the various modes exported when touching and being applied to touch screen and the data of audio signal.
Memorizer 160 can include the storage medium of at least one type, described storage medium includes flash memory, hard disk, multimedia card, card-type memorizer (such as, SD or DX memorizer etc.), random access storage device (RAM), static random-access memory (SRAM), read only memory (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc..And, mobile terminal 100 can be connected the network storage device cooperation of the storage function performing memorizer 160 with by network.
Controller 180 generally controls the overall operation of mobile terminal.Such as, controller 180 performs the control relevant to voice call, data communication, video calling etc. and process.It addition, controller 180 can include the multi-media module 1810 for reproducing (or playback) multi-medium data, multi-media module 1810 can construct in controller 180, or it is so structured that separates with controller 180.Controller 180 can perform pattern recognition process, so that the handwriting input performed on the touchscreen or picture drafting input are identified as character or image.Such as, in one embodiment, controller 180 can call the mobile payment checking application program in memorizer 160, performs following operation:
Set up low-frequency wireless with described cash receiving terminal to link；
Receive the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
The user fingerprints information described broadcast carried is mated with locally stored finger print information；
If the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
In one embodiment, controller 180 can call the mobile payment checking application program in memorizer 160, it is also possible to performs following operation:
Gather the finger print information of user, finger print information corresponding for user is associated with corresponding payment account.
Power subsystem 190 receives external power or internal power under the control of controller 180 and provides the suitable electric power operated needed for each element and assembly.
Various embodiment described herein can to use such as computer software, hardware or its any combination of computer-readable medium to implement.Hardware is implemented, embodiment described herein can pass through to use application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), field programmable gate array (FPGA), processor, controller, microcontroller, microprocessor, at least one that is designed to perform in the electronic unit of function described herein to implement, in some cases, such embodiment can be implemented in controller 180.Implementing for software, the embodiment of such as process or function can be implemented with allowing the independent software module performing at least one function or operation.Software code can be implemented by the software application (or program) write with any suitable programming language, and software code can be stored in memorizer 160 and be performed by controller 180.
So far, oneself is through describing mobile terminal according to its function.Below, for the sake of brevity, by the slide type mobile terminal in the various types of mobile terminals describing such as folded form, board-type, oscillating-type, slide type mobile terminal etc. exemplarily.Therefore, the present invention can be applied to any kind of mobile terminal, and is not limited to slide type mobile terminal.
Mobile terminal 100 as shown in Figure 1 may be constructed such that utilization operates via such as wired and wireless communication system and the satellite-based communication system of frame or packet transmission data.
The communication system being wherein operable to according to the mobile terminal of the present invention is described referring now to Fig. 2.
Such communication system can use different air interfaces and/or physical layer.Such as, the air interface used by communication system includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA (CDMA) and UMTS (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc..As non-limiting example, as explained below relates to cdma communication system, but such instruction is equally applicable to other type of system.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 100, multiple base station (BS) 270, base station controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is configured to form interface with Public Switched Telephony Network (PSTN) 290.MSC280 is also structured to and the BSC275 formation interface that can be couple to base station 270 via back haul link.Back haul link can construct according to any one in some interfaces that oneself knows, described interface includes such as E1/T1, ATM, IP, PPP, frame relay, HDSL, ADSL or xDSL.It will be appreciated that system as shown in Figure 2 can include multiple BSC2750.
Each BS270 can service one or more subregion (or region), by each subregion of multidirectional antenna or the antenna covering pointing to specific direction radially away from BS270.Or, each subregion can be covered by two or more antennas for diversity reception.Each BS270 may be constructed such that support multiple frequencies distribution, and the distribution of each frequency has specific frequency spectrum (such as, 1.25MHz, 5MHz etc.).
Intersecting that subregion and frequency are distributed can be referred to as CDMA Channel.BS270 can also be referred to as base station transceiver subsystem (BTS) or other equivalent terms.In this case, term " base station " may be used for broadly representing single BSC275 and at least one BS270.Base station can also be referred to as " cellular station ".Or, each subregion of specific BS270 can be referred to as multiple cellular station.
As shown in Figure 2, broadcast singal is sent in system the mobile terminal 100 of operation by broadcsting transmitter (BT) 295.Broadcast reception module 111 as shown in Figure 1 is arranged on mobile terminal 100 and sentences the broadcast singal that reception is sent by BT295.In fig. 2 it is shown that several global positioning systems (GPS) satellite 300.Satellite 300 helps to position at least one in multiple mobile terminals 100.
In fig. 2, depict multiple satellite 300, it is understood that be, it is possible to use any number of satellite obtains useful location information.GPS module 115 as shown in Figure 1 is generally configured to coordinate the location information wanted with acquisition with satellite 300.Substitute GPS tracking technique or outside GPS tracking technique, it is possible to use other technology of the position of mobile terminal can be followed the tracks of.It addition, at least one gps satellite 300 can optionally or additionally process satellite dmb transmission.
As a typical operation of wireless communication system, BS270 receives the reverse link signal from various mobile terminals 100.Mobile terminal 100 generally participates in call, information receiving and transmitting communicates with other type of.Each reverse link signal that certain base station 270 receives is processed in specific BS270.The data obtained are forwarded to relevant BSC275.BSC provides call resource distribution and the mobile management function of the coordination of soft switching process included between BS270.The data received also are routed to MSC280 by BSC275, and it provides the extra route service for forming interface with PSTN290.Similarly, PSTN290 and MSC280 forms interface, and MSC and BSC275 forms interface, and BSC275 correspondingly controls BS270 so that forward link signals to be sent to mobile terminal 100.
Based on above-mentioned mobile terminal hardware configuration and communication system, it is proposed to each embodiment of the present invention.
Owing to, in prior art, mobile terminal is when carrying out payment verification, it is necessary to cumbersome user operation, thus cause inconvenience to the user.
For this, the present invention proposes a solution, by the mobile payment verification mode that the wireless connections such as low-power consumption bluetooth are combined with fingerprint authentication, simplifies mobile payment proof procedure, optimizes user's mobile payment and experiences, meets user's request.
Specifically, as it is shown on figure 3, first embodiment of the invention proposes a kind of mobile payment checking device, including: receiver module 201, matching module 202 and sending module 203, wherein:
Receiver module 201, for receiving the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
Matching module 202, mates with locally stored finger print information for the user fingerprints information described broadcast carried；
Sending module 203, if for the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
In the present embodiment, gather the finger print information having user in advance on mobile terminals, and by this finger print information and the binding association of corresponding payment account, in order to corresponding payment account can be adopted to carry out payment operation according to fingerprint matching.
Wherein, according to using needs, a user can adopt multiple fingerprint, by accounts different for different fingerprint bindings, thus different accounts can be selected to pay according to different fingerprints.
User is after buying commodity, it is possible to pay by pressing fingerprint on cash receiving terminal.
It is implemented as follows:
User carries out consumption payment operation after verification spending amount, presses fingerprint on trade company's cash receiving terminal.
In the cash receiving terminal side of trade company, obtain the consumption information of user the fingerprint pressing operation according to user, gather the finger print information of user.
Wherein, the consumption information of user can be inputted by salesman, it is also possible to is calculated by cash receiving terminal and obtains, including commodity purchasing inventory and the amount of money.
After cash receiving terminal collects the finger print information of user, send broadcast to the bluetooth equipment that linked, broadcast is carried the consumption information of user, the facility information of user fingerprints information that cash receiving terminal gathers and described cash receiving terminal.
Wherein, user fingerprints information can be encrypted.
Mobile terminal receives the broadcast that cash receiving terminal sends, thus get the consumption information of user, user fingerprints information that described cash receiving terminal gathers and the facility information of described cash receiving terminal.
After mobile terminal receives the broadcast that cash receiving terminal sends, the user fingerprints information described broadcast carried carries out mating checking with locally stored finger print information, if fingerprint authentication success, then uploaded the payment instruction of consumption agreeing to this amount of money to payment platform by the Internet, payment platform is to businessman's payment.And feed back payment result to cash receiving terminal.
Owing to, in proof procedure, fingerprint authentication carries out on mobile terminals, thus protecting the safety of account.
Further, as a kind of embodiment, except user fingerprints information except broadcast being carried is mated with locally stored finger print information, it is also possible to the facility information of the cash receiving terminal carried with described broadcast by the terminal device information that current wireless links mates；
If all the match is successful for finger print information and facility information, if namely all identical with locally stored fingerprint matching and the bluetooth equipment that is connected, illustrate that user is that I all carries out shopping operation with mobile terminal in same place, thus avoiding the problem that fingerprint uses safety.
If all the match is successful for finger print information and facility information, then send payment instruction to Third-party payment platform.
This Third-party payment platform can be the webserver (such as e-Bank payment platform), wechat, Alipay etc..
Specifically, for the webserver, as shown in Figure 4, the user-pay accounts information of binding, place cash receiving terminal and the account payable amount of money are uploaded to the webserver by mobile terminal.Informing network serverless backup this time payment verification passes through, and the webserver deducts, from the account, fund of doing shopping accordingly again, the webserver tell cash receiving terminal, and payment user has completed payment.
Mobile terminal so can be avoided to send the fraud of false received payment message to cash receiving terminal, it is ensured that the interests of beneficiary.
The present embodiment passes through such scheme, by the mobile payment verification mode that the wireless connections such as low-power consumption bluetooth are combined with fingerprint authentication, simplifies mobile payment proof procedure, optimizes user's mobile payment and experiences, meets user's request.In proof procedure, fingerprint authentication carries out on mobile terminals, thus protecting the safety of account.And, Third-party payment platform and cash receiving terminal carry out delivery operation, it is possible to avoid mobile terminal to send the fraud of false received payment message to cash receiving terminal, it is ensured that the interests of beneficiary.
As it is shown in figure 5, second embodiment of the invention proposes a kind of mobile payment checking device, based on the embodiment shown in above-mentioned Fig. 3, described device also includes:
Module 200 is set up in link, links for setting up low-frequency wireless with described cash receiving terminal, and the link of described low-frequency wireless at least includes bluetooth, WIFI.
In the present embodiment, the low-frequency wireless on-link mode (OLM) such as bluetooth, WIFI, NFC between mobile terminal and cash receiving terminal, can be adopted.
For bluetooth, first, Bluetooth switch is opened at mobile terminal, user is when entering into the territory, cash receiving terminal bluetooth coverage of trade company, and mobile terminal uses low frequency Bluetooth technology, scanning bluetooth equipment around, set up bluetooth according to default Bluetooth matching strategy with cash receiving terminal to be connected, follow-up, mobile terminal and cash receiving terminal are connected based on this bluetooth and communicate wirelessly, and realize payment verification by fingerprint.
The present embodiment passes through such scheme, by the mobile payment verification mode that the wireless connections such as low-power consumption bluetooth are combined with fingerprint authentication, simplifies mobile payment proof procedure, optimizes user's mobile payment and experiences, meets user's request.
As shown in Figure 6, third embodiment of the invention proposes a kind of mobile payment checking device, and based on the embodiment shown in above-mentioned Fig. 3, described device also includes:
Relating module 204, for gathering the finger print information of user, associates finger print information corresponding for user with corresponding payment account.
Comparing above-described embodiment, the present embodiment also includes the finger print information of mobile terminal collection user, the scheme associated with corresponding payment account by finger print information corresponding for user.
User records finger print information in advance on mobile terminals, and carries out bindings with default payment account, and different finger prints can bind different accounts.User can select different Send only Accounts according to the fingerprint of different fingers when payment.
Compared to existing technology, the present embodiment scheme simplifies the process that mobile terminal to carry out in conventional mobile payment a large amount of operation, such as draws out mobile phone, unlocks screen, opens payment application, selects the operation such as Send only Account, input payment password.User replaces the operation of these complexity by this unique bio information of fingerprint, and the normal user of physical qualification has 10 different fingerprints, it is possible to binds 10 payment accounts, thus can meet the user demand of basic crowd.
Additionally, payment verification work completes on mobile terminals, it is ensured that the Send only Account safety of user, even if user fingerprints information is stolen also cannot obtain the accounts information being stored in user terminal, thus reducing stolen risk.
Additionally, the embodiment of the present invention also proposes a kind of mobile payment checking system, including: mobile terminal and the cash receiving terminal with described mobile terminal wireless link；Wherein:
Described mobile terminal can include the device described in above-described embodiment；
Described cash receiving terminal, for obtaining the consumption information of user, and gathers the finger print information of user, sends described broadcast to described mobile terminal.
Further, described cash receiving terminal, what be additionally operable to reception Third-party payment platform transmission completes payment information
In the present embodiment between mobile terminal and cash receiving terminal and Third-party payment platform alternately, it is achieved the ultimate principle of mobile payment checking, refer to the various embodiments described above, do not repeat them here.
Accordingly, it is proposed to mobile payment verification method embodiment of the present invention.
As it is shown in fig. 7, first embodiment of the invention proposes a kind of mobile payment verification method, including:
Step S101, mobile terminal receives the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
In the present embodiment, gather the finger print information having user in advance on mobile terminals, and by this finger print information and the binding association of corresponding payment account, in order to corresponding payment account can be adopted to carry out payment operation according to fingerprint matching.
Wherein, according to using needs, a user can adopt multiple fingerprint, by accounts different for different fingerprint bindings, thus different accounts can be selected to pay according to different fingerprints.
User is after buying commodity, it is possible to pay by pressing fingerprint on cash receiving terminal.
It is implemented as follows:
User carries out consumption payment operation after verification spending amount, presses fingerprint on trade company's cash receiving terminal.
In the cash receiving terminal side of trade company, obtain the consumption information of user the fingerprint pressing operation according to user, gather the finger print information of user.
Wherein, the consumption information of user can be inputted by salesman, it is also possible to is calculated by cash receiving terminal and obtains, including commodity purchasing inventory and the amount of money.
After cash receiving terminal collects the finger print information of user, send broadcast to the bluetooth equipment that linked, broadcast is carried the consumption information of user, the facility information of user fingerprints information that cash receiving terminal gathers and described cash receiving terminal.
Wherein, user fingerprints information can be encrypted.
Mobile terminal receives the broadcast that cash receiving terminal sends, thus get the consumption information of user, user fingerprints information that described cash receiving terminal gathers and the facility information of described cash receiving terminal.
Step S102, the user fingerprints information described broadcast carried is mated with locally stored finger print information；
Step S103, if the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
After mobile terminal receives the broadcast that cash receiving terminal sends, the user fingerprints information described broadcast carried carries out mating checking with locally stored finger print information, if fingerprint authentication success, then uploaded the payment instruction of consumption agreeing to this amount of money to payment platform by the Internet, payment platform is to businessman's payment.And feed back payment result to cash receiving terminal.
Owing to, in proof procedure, fingerprint authentication carries out on mobile terminals, thus protecting the safety of account.
Further, as a kind of embodiment, except user fingerprints information except broadcast being carried is mated with locally stored finger print information, it is also possible to the facility information of the cash receiving terminal carried with described broadcast by the terminal device information that current wireless links mates；
If all the match is successful for finger print information and facility information, if namely all identical with locally stored fingerprint matching and the bluetooth equipment that is connected, illustrate that user is that I all carries out shopping operation with mobile terminal in same place, thus avoiding the problem that fingerprint uses safety.
If all the match is successful for finger print information and facility information, then send payment instruction to Third-party payment platform.
This Third-party payment platform can be the webserver (such as e-Bank payment platform), wechat, Alipay etc..
Specifically, for the webserver, as shown in Figure 4, the user-pay accounts information of binding, place cash receiving terminal and the account payable amount of money are uploaded to the webserver by mobile terminal.Informing network serverless backup this time payment verification passes through, and the webserver deducts, from the account, fund of doing shopping accordingly again, the webserver tell cash receiving terminal, and payment user has completed payment.
Mobile terminal so can be avoided to send the fraud of false received payment message to cash receiving terminal, it is ensured that the interests of beneficiary.
The present embodiment passes through such scheme, by the mobile payment verification mode that the wireless connections such as low-power consumption bluetooth are combined with fingerprint authentication, simplifies mobile payment proof procedure, optimizes user's mobile payment and experiences, meets user's request.In proof procedure, fingerprint authentication carries out on mobile terminals, thus protecting the safety of account.And, Third-party payment platform and cash receiving terminal carry out delivery operation, it is possible to avoid mobile terminal to send the fraud of false received payment message to cash receiving terminal, it is ensured that the interests of beneficiary.
As shown in Figure 8, second embodiment of the invention proposes a kind of mobile payment verification method, based on the embodiment shown in above-mentioned Fig. 7, at above-mentioned steps S101: mobile terminal also includes before receiving the broadcast that cash receiving terminal sends:
Step S100, sets up low-frequency wireless with described cash receiving terminal and links, and the link of described low-frequency wireless at least includes bluetooth, WIFI.
In the present embodiment, the low-frequency wireless on-link mode (OLM) such as bluetooth, WIFI, NFC between mobile terminal and cash receiving terminal, can be adopted.
For bluetooth, first, Bluetooth switch is opened at mobile terminal, user is when entering into the territory, cash receiving terminal bluetooth coverage of trade company, and mobile terminal uses low frequency Bluetooth technology, scanning bluetooth equipment around, set up bluetooth according to default Bluetooth matching strategy with cash receiving terminal to be connected, follow-up, mobile terminal and cash receiving terminal are connected based on this bluetooth and communicate wirelessly, and realize payment verification by fingerprint.
The present embodiment passes through such scheme, by the mobile payment verification mode that the wireless connections such as low-power consumption bluetooth are combined with fingerprint authentication, simplifies mobile payment proof procedure, optimizes user's mobile payment and experiences, meets user's request.
As it is shown in figure 9, third embodiment of the invention proposes a kind of mobile payment verification method, based on the embodiment shown in above-mentioned Fig. 7, at above-mentioned steps S101: mobile terminal also includes before receiving the broadcast that cash receiving terminal sends:
Step S104, institute's mobile terminal gathers the finger print information of user, is associated with corresponding payment account by finger print information corresponding for user.
Comparing above-described embodiment, the present embodiment also includes the finger print information of mobile terminal collection user, the scheme associated with corresponding payment account by finger print information corresponding for user.
User records finger print information in advance on mobile terminals, and carries out bindings with default payment account, and different finger prints can bind different accounts.User can select different Send only Accounts according to the fingerprint of different fingers when payment.
Compared to existing technology, the present embodiment scheme simplifies the process that mobile terminal to carry out in conventional mobile payment a large amount of operation, such as draws out mobile phone, unlocks screen, opens payment application, selects the operation such as Send only Account, input payment password.User replaces the operation of these complexity by this unique bio information of fingerprint, and the normal user of physical qualification has 10 different fingerprints, it is possible to binds 10 payment accounts, thus can meet the user demand of basic crowd.
Additionally, payment verification work completes on mobile terminals, it is ensured that the Send only Account safety of user, even if user fingerprints information is stolen also cannot obtain the accounts information being stored in user terminal, thus reducing stolen risk.
It should be noted that, in this article, term " includes ", " comprising " or its any other variant are intended to comprising of nonexcludability, so that include the process of a series of key element, method, article or device not only include those key elements, but also include other key elements being not expressly set out, or also include the key element intrinsic for this process, method, article or device.When there is no more restriction, statement " including ... " key element limited, it is not excluded that there is also other identical element in including the process of this key element, method, article or device.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art is it can be understood that can add the mode of required general hardware platform by software to above-described embodiment method and realize, hardware can certainly be passed through, but in a lot of situation, the former is embodiment more preferably.Based on such understanding, the part that prior art is contributed by technical scheme substantially in other words can embody with the form of software product, this computer software product is stored in a storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile phone, computer, server, air-conditioner, or the network equipment etc.) perform the method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every equivalent structure utilizing description of the present invention and accompanying drawing content to make or equivalence flow process conversion; or directly or indirectly it is used in other relevant technical fields, all in like manner include in the scope of patent protection of the present invention.
Claims (10)
1. a mobile payment checking device, it is characterised in that including:
Receiver module, for receiving the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
Matching module, mates with locally stored finger print information for the user fingerprints information described broadcast carried；
Sending module, if for the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
2. mobile payment according to claim 1 checking device, it is characterised in that described device also includes:
Module is set up in link, links for setting up low-frequency wireless with described cash receiving terminal, and the link of described low-frequency wireless at least includes bluetooth, WIFI.
3. mobile payment according to claim 1 checking device, it is characterised in that
Described matching module, is additionally operable to the facility information of described cash receiving terminal by the terminal device information that current wireless links carries with described broadcast and mates；If all the match is successful for finger print information and facility information, then send payment instruction to Third-party payment platform.
4. the mobile payment checking device according to claim 1,2 or 3, it is characterised in that described device also includes:
Relating module, for gathering the finger print information of user, associates finger print information corresponding for user with corresponding payment account.
5. a mobile payment checking system, it is characterised in that including: mobile terminal and the cash receiving terminal with described mobile terminal wireless link；Wherein:
Described mobile terminal includes the device according to any one of claim 1-4；
Described cash receiving terminal, for obtaining the consumption information of user, and gathers the finger print information of user, sends described broadcast to described mobile terminal.
6. system according to claim 5, it is characterised in that
Described cash receiving terminal, what be additionally operable to reception Third-party payment platform transmission completes payment information.
7. a mobile payment verification method, it is characterised in that including:
Mobile terminal receives the broadcast that cash receiving terminal sends, described broadcast carries the consumption information of user, described cash receiving terminal gathers user fingerprints information and the facility information of described cash receiving terminal；
The user fingerprints information described broadcast carried is mated with locally stored finger print information；
If the match is successful, then send payment instruction to Third-party payment platform, delivery operation is carried out to described cash receiving terminal by described Third-party payment platform, described payment instruction includes the spending amount that the facility information of described cash receiving terminal, consumption information are corresponding and the payment account associated with described finger print information.
8. method according to claim 7, it is characterised in that described mobile terminal also includes before receiving the step of the broadcast that cash receiving terminal sends:
Setting up low-frequency wireless with described cash receiving terminal to link, the link of described low-frequency wireless at least includes bluetooth, WIFI.
9. method according to claim 7, it is characterised in that the described user fingerprints information described broadcast carried carries out with locally stored finger print information also including in the step mated:
The facility information of the described cash receiving terminal that the terminal device information that current wireless is linked by described mobile terminal carries with described broadcast mates；
If all the match is successful for finger print information and facility information, then perform step: send payment instruction to Third-party payment platform.
10. the method according to claim 7,8 or 9, it is characterised in that also include before the step of the broadcast that described mobile terminal reception cash receiving terminal sends:
Described mobile terminal gathers the finger print information of user, is associated with corresponding payment account by finger print information corresponding for user.
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