CN107274188A - The verification method and device of payment data - Google Patents
The verification method and device of payment data Download PDFInfo
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- CN107274188A CN107274188A CN201710476498.2A CN201710476498A CN107274188A CN 107274188 A CN107274188 A CN 107274188A CN 201710476498 A CN201710476498 A CN 201710476498A CN 107274188 A CN107274188 A CN 107274188A
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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
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
- H04L9/3231—Biological data, e.g. fingerprint, voice or retina
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Abstract
The invention discloses a kind of verification method of payment data and device, it is related to Internet technical field, main purpose be to solve user in the prior art be manually entered payment cipher process it is also relatively complicated, the problem of error rate is higher, main technical schemes of the invention include：Receive payment data checking request；When obtaining information to be paid according to the payment data checking request, the first biological characteristic to be verified is gathered；Determine whether the described first biological characteristic to be verified matches with preset matching biological characteristic；If it is determined that first biological characteristic to be verified and the preset matching biometric matches, then send the information to be paid to payment and settlement server, so that the payment and settlement server is settled accounts.The present invention is applied in electronic payment process.
Description
Technical field
The present invention relates to Internet technical field, the verification method and device of more particularly to a kind of payment data.
Background technology
With the development of Internet technology, terminal device more diversification, intellectuality, user can be by terminal device
The application program (Application, APP) of installation carries out e-payment.For example, user is paid by certain APP, at certain
After APP starts, APP calls the camera in terminal device to perform scanning and paid, and barcode scanning pays the bill code to obtain after payment information, uses
Family is manually entered payment cipher, completes e-payment.
Inventor states during invention in realization, finds the complexity and payment cipher of payment cipher in the prior art
Security be directly proportional, i.e. payment cipher complexity is higher, and payment cipher security is higher；Payment cipher complexity is lower, branch
Pay cipher safety lower.In order to ensure the security of payment cipher, the complexity of the payment cipher of user's setting is often higher,
But, the complexity that payment cipher is set is higher, and user is more not easy to memory；And user is manually entered the process of payment cipher
Also relatively complicated, error rate is higher.
The content of the invention
In view of this, the verification method and device for a kind of payment data that the present invention is provided, main purpose is to solve now
Have user in technology be manually entered payment cipher process it is also relatively complicated, the problem of error rate is higher.
According to one aspect of the invention, the invention provides a kind of verification method of payment data, including：
Receive payment data checking request；
When obtaining information to be paid according to the payment data checking request, automatic data collection first is to be verified biological special
Levy；
Determine whether the described first biological characteristic to be verified matches with preset matching biological characteristic；
If it is determined that first biological characteristic to be verified and the preset matching biometric matches, then will be described to be paid
Information is sent to payment and settlement server, so that the payment and settlement server is settled accounts.
Optionally, it is described determine first biological characteristic to be verified and preset matching biological characteristic whether match including：
The described first biological characteristic to be verified and the preset matching biological characteristic are obtained, and it is to be verified by described first
Biological characteristic and the preset matching biological characteristic are compared；
If the similarity degree of first biological characteristic to be verified and the preset matching biological characteristic is more than or waited
In preset matching threshold value, it is determined that first biological characteristic to be verified and preset matching biometric matches.
Optionally, it is described determine first biological characteristic to be verified and preset matching biological characteristic whether match including：
Described first biological characteristic to be verified is sent to server, so that the server is given birth to according to the preset matching
The legitimacy of first biological characteristic to be verified described in thing signature verification, the preset matching biological characteristic is stored in server,
The biological characteristic of the server is gathered and is uploaded to for client user；
The feedback information for the described first biological characteristic legitimacy to be verified that the server is sent is received, according to institute
State feedback information and determine whether the described first biological characteristic to be verified matches with preset matching biological characteristic.
Optionally, the automatic data collection first biological characteristic to be verified includes：
According to the payment data checking request, the first camera is called to obtain the information to be paid；
According to the payment data checking request, automatic start second camera gathers institute by the second camera
State the first biological characteristic to be verified.
Optionally, methods described is further included：
If it is determined that first biological characteristic to be verified is mismatched with the preset matching biological characteristic, then default biography is called
Sensor, the second biological characteristic to be verified is gathered by the default sensor.
Optionally, methods described also includes：
If it is determined that first biological characteristic to be verified and the preset matching biological characteristic are mismatched, then output display branch
Password Input frame is paid, and the content that the payment cipher input frame is inputted is sent to payment and settlement server, so as to the branch
Account settlement server is paid to be settled accounts.
According to another aspect of the invention, the invention provides a kind of checking device of payment data, the device includes：
Receiving unit, for receiving payment data checking request；
Collecting unit, for obtaining to be paid when the payment data checking request received according to the receiving unit
During information, the biological characteristic to be verified of automatic data collection first；
Determining unit, for determining that the described first biological characteristic to be verified of the collecting unit collection is given birth to preset matching
Whether thing feature matches；
First transmitting element, for determining the described first biological characteristic to be verified and described default when the determining unit
During with biometric matches, the information to be paid is sent to payment and settlement server, so as to the payment and settlement server
Settled accounts.
Optionally, the determining unit includes：
Acquisition module, for obtaining the described first biological characteristic to be verified and the preset matching biological characteristic；
Comparing module, for the acquisition module obtain will the described first biological characteristic to be verified and it is described preset
It is compared with biological characteristic；
First determining module, for determining the described first biological characteristic to be verified and described default when the comparing module
The similarity degree of matching biological be more than or equal to preset matching threshold value when, determine the described first biological characteristic to be verified with
Preset matching biometric matches.
Optionally, the determining unit includes：
Sending module, for the described first biological characteristic to be verified to be sent to server, so as to the server according to
The legitimacy of first biological characteristic to be verified described in the preset matching biological characteristic validation, the preset matching biological characteristic is deposited
It is stored in server, is the biological characteristic that client user gathered and be uploaded to the server；
Receiving module, for the described first biological characteristic to be verified to be sent to server in the sending module,
Receive the feedback information for the described first biological characteristic legitimacy to be verified that the server is sent；
Second determining module, the feedback information for being received according to the receiving module determines that described first is to be tested
Whether card biological characteristic matches with preset matching biological characteristic.
Optionally, the collecting unit includes：
Calling module, for according to the payment data checking request, calling the first camera to obtain information to be paid；
Starting module, for according to the payment data checking request, automatic start second camera；
Acquisition module, the second camera for being started by the starting module gathers first life to be verified
Thing feature.
Optionally, described device also includes：
Call unit, for determining that the described first biological characteristic to be verified is given birth to the preset matching when the determining unit
When thing feature is mismatched, default sensor is called；
The collecting unit, the default sensor collection second for being additionally operable to call by the call unit is to be verified
Biological characteristic.
Optionally, described device also includes：
Output unit, for determining that the described first biological characteristic to be verified is given birth to the preset matching when the determining unit
When thing feature is mismatched, output display payment cipher input frame；
Second transmitting element, the content for the payment cipher input frame to be inputted is sent to payment and settlement server,
So that the payment and settlement server is settled accounts.
The verification method and device of the payment data provided by above-mentioned technical proposal, the present invention, are receiving payment data
Checking request, and while obtaining the information to be paid in checking request, the biological characteristic to be verified of automatic data collection first；Determine
Whether one biological characteristic to be verified matches with preset matching biological characteristic；If it is determined that the first biological characteristic to be verified and preset matching
Biometric matches, then send information to be paid to payment and settlement server, so that payment and settlement server is settled accounts.With
Prior art is compared, and the present invention is in clearing without the manually operated of user, when obtaining information to be paid, automatic data collection first
Biological characteristic to be verified, therefore, the situation in the absence of payment cipher input error are present, and can complete to pay by biological characteristic
Checking, it is convenient, fast.In addition, in an alternative embodiment of the invention, when the first biological characteristic to be verified is mismatched, automatically
Gather the second biological characteristic to be verified to verify, when the first biometric matches success rate is relatively low, use the second biological characteristic
The probability of further Auto-matching, the further manually input of reduction payment cipher.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, and in order to allow above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by the embodiment of the present invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit is common for this area
Technical staff will be clear understanding.Accompanying drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole accompanying drawing, identical part is denoted by the same reference numerals.In the accompanying drawings：
Fig. 1 shows a kind of flow chart of the verification method of payment data provided in an embodiment of the present invention；
Fig. 2 shows the flow chart of the verification method of another payment data provided in an embodiment of the present invention；
Fig. 3 shows a kind of schematic diagram of output display payment cipher input frame provided in an embodiment of the present invention；
Fig. 4 shows a kind of composition frame chart of the checking device of payment data provided in an embodiment of the present invention；
Fig. 5 shows the composition frame chart of the checking device of another payment data provided in an embodiment of the present invention.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although showing the disclosure in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Complete conveys to those skilled in the art.
The embodiment of the present invention provides a kind of verification method of payment data, and this method is applied to end side, as shown in figure 1,
Methods described includes：
Step 101：Receive payment data checking request.
When terminal device perform transfer accounts, face-to-face payment etc. payment transaction when, terminal can receive payment data checking please
Ask.Application scenarios can be bank transfer, Third-party payment is transferred accounts, stored value card is transferred accounts, face-to-face barcode scanning or audio are paid
Etc., specifically, the embodiment of the present invention is not construed as limiting to concrete application scene.
Step 102：When obtaining information to be paid according to the payment data checking request, automatic data collection first is to be verified
Biological characteristic.
Terminal is while information to be paid is obtained, automatic data collection first of the present invention biological characteristic to be verified.First is to be tested
Demonstrate,prove biological characteristic can including but not limited to herein below, including：Fingerprint, iris or facial image etc..Treated for first
The different type of biological characteristic is verified, different modes are distinguished in collection, it is necessary to which explanation, gathers the first biology to be verified
The hardware device of carrier, such as sensor or camera where relying on terminal during feature, or have data dependent on terminal
Other hardware devices of interactive relation, specifically, the embodiment of the present invention to gather the first biological characteristic to be verified type of hardware,
Carrier etc. is not construed as limiting.
It should be noted that the terminal described in the embodiment of the present invention can be hardware terminal or specific application
Program.When terminal is hardware terminal, it needs to have the function of the first biological characteristic to be verified of collection；When terminal is to apply journey
During sequence, the carrier (such as mobile phone, tablet personal computer, PC, kneetop computer) that application program is installed has collection first to be tested
Demonstrate,prove the function of biological characteristic.In subsequent embodiment, it can be illustrated so that terminal is the application program being installed in mobile phone as an example, but
It is, it is understood that, this kind of explanation mode is not intended to the particular type for limiting terminal.
Step 103：Determine whether the described first biological characteristic to be verified matches with preset matching biological characteristic.
Preset matching biological characteristic described in the embodiment of the present invention shifts to an earlier date the biological characteristic of typing for terminal user, for
When performing payment, whether the first biological characteristic to be verified of checking is correct.It should be noted that preset matching biological characteristic is not limited to
Quantity is 1, is also not necessarily limited to terminal user.Preset matching biological characteristic can be by terminal user's typing, also can be by through end
After end subscriber is agreed to, other people typing biological characteristics, the specific embodiment of the present invention is not construed as limiting to this.
By taking recognition of face as an example, in terminal user's typing preset matching face characteristic, can the multiple different angles of typing and/
Or the face information of scene is to generate accurate preset matching face characteristic.It is default in terminal user's typing again by taking fingerprint as an example
During matching biological fingerprint, when one fingerprint of typing, can with the fingerprint of one right hand forefinger of typing, can also typing it is any
The fingerprint of finger；Can be the combination of any at least two finger when at least two fingerprint of typing, the specific present invention is implemented
Example is not construed as limiting to this.
After step 101 gets the first biological characteristic to be verified, by the first biological characteristic to be verified and preset matching
Biological characteristic is compared, its object is to be verified to user identity, to ensure the property safety of user.In practical application
In, when matching the first biological characteristic to be verified with preset matching biological characteristic, it can set when the first biological characteristic to be verified
With preset matching biological characteristic it is completely the same when, determine both the first biological characteristic to be verified and preset matching biological characteristic
Match somebody with somebody, under this kind of set-up mode, the user identity of checking is more accurate, still, being verified rate reduction, checking duration can mutually strain
It is long.In addition, when matching the first biological characteristic to be verified with preset matching biological characteristic, can set when the first biology to be verified
During feature (such as 80% or more than 90% biological characteristic is consistent) consistent with preset matching biological characteristic part, determine that first treats
Both checking biological characteristic and preset matching biological characteristic matchs, under this kind of set-up mode, are verified rate raising or checking
Duration shortens, but the degree of accuracy step-down of the user identity of checking.It is specific to set, it can be configured according to the demand of user,
Specifically, the embodiment of the present invention is not construed as limiting to this.
Step 104：If it is determined that first biological characteristic to be verified and the preset matching biometric matches, then by institute
State information to be paid to send to payment and settlement server, so that the payment and settlement server is settled accounts.
It should be noted that in the embodiment of the present invention, payment and settlement server is different from terminal (the corresponding clothes of application program
Business device), the corresponding server of application program only provides application service for terminal, without providing clearing service.When terminal obtains branch
Pay after password, via the corresponding server of terminal, payment cipher is forwarded to payment and settlement server, by payment and settlement server
Settled accounts, payment and settlement server determine terminal whether credit, credit then performs payment behavior；Non- credit, then refuse to pay
Behavior.
The verification method of payment data provided in an embodiment of the present invention, is receiving payment data checking request, and acquisition is tested
While demonstrate,proving the information to be paid in request, the biological characteristic to be verified of automatic data collection first；Determine the first biological characteristic to be verified
Whether matched with preset matching biological characteristic；If it is determined that the first biological characteristic to be verified and preset matching biometric matches, then
Information to be paid is sent to payment and settlement server, so that payment and settlement server is settled accounts.Compared with prior art, originally
Invention in clearing without the manually operated of user, when obtaining information to be paid, the biological characteristic to be verified of automatic data collection first,
Therefore, the situation in the absence of payment cipher input error is present, the checking that can complete to pay by biological characteristic, convenient, fast
It is prompt.
In embodiments of the present invention, when determining whether the first biological characteristic to be verified matches with preset matching biological characteristic,
It can use but be not limited to following two modes and realize：
Mode one：By the legitimacy of the biological characteristic to be verified of terminal authentication first.
Preset matching biological characteristic is stored in terminal, it is determined that first biological characteristic to be verified is given birth to preset matching
When whether thing feature matches, first biological characteristic to be verified and the preset matching biological characteristic are obtained, and will be described
First biological characteristic to be verified and the preset matching biological characteristic are compared；If first biological characteristic to be verified with
And the similarity degree of the preset matching biological characteristic is more than or equal to preset matching threshold value, it is determined that described first is to be verified
Biological characteristic and preset matching biometric matches；If first biological characteristic to be verified and the preset matching are biological special
The similarity degree levied is less than the preset matching threshold value, it is determined that first biological characteristic to be verified is biological special with preset matching
Levy mismatch.Wherein, preset matching threshold value is an empirical value, when setting preset matching threshold value, it should be noted that in order to true
Protect checking accuracy, it is impossible to by preset matching threshold value set it is too small, it is to avoid due to authentication exist property reveal prestige
The side of body.
Mode two：By the legitimacy of the corresponding server authentication first of terminal biological characteristic to be verified.
, it is necessary to interacting between terminal and terminal server in this kind of implementation, first, collect default of terminal
Uploaded onto the server with biological characteristic, server is stored preset matching biological characteristic.When server receives terminal hair
During the first biological characteristic to be verified sent, whether the first biological characteristic to be verified of checking matches with preset matching biological characteristic, tests
After card terminates, the feedback information of the first biological characteristic legitimacy to be verified is sent to terminal, terminal receives the server hair
The feedback information for the described first biological characteristic legitimacy to be verified sent, determines that described first treats according to the feedback information
Whether checking biological characteristic matches with preset matching biological characteristic.
It should be noted that when terminal has the first biological characteristic function to be verified of checking, terminal can use above-mentioned
A kind of mode performs the checking of the first biological characteristic to be verified；When terminal is without the first biological characteristic function to be verified of checking
When, terminal can perform the checking of the first biological characteristic to be verified using the above-mentioned second way；Specifically, the embodiment of the present invention pair
Verification mode is not construed as limiting.
The application scenarios that can be recorded in following examples with information to be paid in Quick Response Code are illustrated, it is emphasized that
It is that this kind of explanation mode is not intended to restriction information to be paid and is only capable of being stored in Quick Response Code.Present invention also offers another
The verification method of payment data, as shown in Fig. 2 methods described includes：
Step 201：Receive payment data checking request.
Relevant reception payment data checking request explanation, refer to the detailed description of step 101, the embodiment of the present invention is herein
No longer repeated.
Step 202：According to the payment data checking request, the first camera is called to obtain information to be paid.
After payment data checking request is received, terminal calls the first camera in hardware device, scans Quick Response Code,
And recognize the information to be paid in Quick Response Code.In a kind of application scenarios, terminal can be an application program, and the application program
Be installed in intelligent electronic device, such as in subsequent embodiment exemplified by the smart mobile phone that illustrates, it is assumed that included in smart mobile phone
Former and later two cameras；It is preferred that, after a certain application program receives payment data checking request, call after smart mobile phone
Camera is put, Quick Response Code is scanned, and obtain information to be paid.It is used as a kind of alternative of the embodiment of the present invention, smart mobile phone
Front camera can be called to scan Quick Response Code.
It should be noted that the front camera is generally smart mobile phone, tablet personal computer, portable set, taken with oneself
Carrying device etc. has in the electronic equipment of camera function, with display screen in the camera of the same side, the rear camera
Generally smart mobile phone, tablet personal computer, portable set, carry-on wearable device etc. have the electronic equipment of camera function
In, the camera with display screen opposite side.Specifically, the embodiment of the present invention is not limited position, model of camera etc.
It is fixed.
During implementing, the first camera can be to be independently arranged camera or payment devices (smart mobile phone)
The camera of itself.Wherein, the camera that is independently arranged must keep communicating to connect with smart mobile phone, the embodiment of the present invention pair
Position, attribute of first camera etc. are not construed as limiting.
Step 203：According to the payment data checking request, automatic start second camera is imaged by described second
Head collection first biological characteristic to be verified, wherein first biological characteristic to be verified can be facial image or iris figure
Picture；
In order to it is convenient, smoothly complete payment verification, the embodiment of the present invention is using four kinds of schemes, to ensure to smoothly complete branch
Pay.The first scheme (method shown in step 203)：It is preferential to use facial image or iris when carrying out payment data checking
Image is verified.I.e. while calling the first camera to get information to be paid by step 202, automatic start second
Camera, the first biological characteristic to be verified, such as facial image or iris image are gathered by second camera.In the present embodiment
In, after the payment data checking request is received, while opening the first and second cameras of equipment to perform acquisition simultaneously
The step of the first biological characteristic to be verified of information to be paid and collection, it is ensured that payment is more quickly completed, and improves Consumer's Experience.
In actual applications, in order to allow second camera quickly to collect facial image or iris image, call automatically
Second camera be usually smart mobile phone front camera.In one embodiment, please in the reception payment data checking
After asking, front camera and rear camera gathered data are started by software layer simultaneously, via in collecting unit 32 comprising (but not
Illustrate) multichannel input and multiple-channel output image-signal processor (Image Signal Processor, ISP) carry out it is parallel
Send to corresponding process circuit and handled after processing.It is worth noting that, the first camera gathers the mistake of information to be paid
Cheng Wuxu user interventions, and the preview image that second camera gathers the first biological characteristic to be verified needs to show on a display screen
Used for user's adjustment angle and distance, to improve the correctness of the first biological characteristic to be verified of collection, therefore first and the
Two cameras start simultaneously during, it is preferable that display screen only shows that second camera gathers the first biological characteristic to be verified
Preview image.In other embodiments, the preview image that two cameras are gathered can also be shown simultaneously on a display screen.
Step 204：Determine whether the described first biological characteristic to be verified matches with preset matching biological characteristic.
If it is determined that first biological characteristic to be verified is mismatched with the preset matching biological characteristic, then step is performed
205；If it is determined that first biological characteristic to be verified and the preset matching biometric matches, then perform step 208.
Step 205：Default sensor is called, the second biological characteristic (fingerprint to be verified is gathered by the default sensor
Image).
When the failure of the first biological characteristic to be verified of plan-validation first (facial image or iris image), using second
Kind of scheme verified, i.e. the collection fingerprint image of this step execution.
It should be noted that when facial image or iris image authentication failed, collection fingerprint is shown in display interface
The prompt message of image, and perform automatic data collection fingerprint image.When gathering fingerprint image, the default biography in smart mobile phone is called
Sensor is acquired, it is preferable that user can connect when the default sensor is arranged on the operation for triggering the payment data checking request
The part of the smart mobile phone contacted, for example the default sensor is to add at the smart mobile phone back side (for display screen)
Plus sensor, thus can be after payment data checking request be received, automatic triggering obtains information to be paid, collection
And verify the first biological characteristic to be verified and collection and by the checking flow of checking fingerprint, believe without user further according to prompting
Breath is operated, and improves Consumer's Experience.Specifically, the embodiment of the present invention is not limited default sensor position.
Step 206：Determine whether the fingerprint image matches with preset fingerprint feature.
If it is determined that the fingerprint image is mismatched with preset fingerprint feature, then step 207 is performed；If it is determined that the fingerprint image
Picture and preset fingerprint characteristic matching, then perform step 208.
Step 207：Output display payment cipher input frame.
When the first scheme and second scheme checking biological characteristic fail when, using this step perform the third test
Card scheme, i.e., complete checking by way of showing payment cipher input frame.
In actual applications, it is also possible to can have facial image, iris image and fingerprint image, with described default
Exist with the unmatched situation of biological characteristic, when it is determined that fingerprint image is mismatched with the preset matching biological characteristic, then exist
Output display payment cipher input frame in smart mobile phone display interface, and receive the payment cipher of smart phone user input, intelligence
Energy mobile phone sends the content (payment cipher) in payment cipher input frame, after being proved to be successful, and performs step 208.This kind of reality
Existing mode is the alternative of method shown in Fig. 2, and if only if facial image or iris image, and fingerprint image with default
When being mismatched with biological characteristic, payment cipher input frame can be just shown, to complete to pay.Exemplary, as shown in figure 3,
Fig. 3 shows a kind of schematic diagram of output display payment cipher input frame provided in an embodiment of the present invention, it is necessary to explanation, figure
3 exemplary only citings, the embodiment of the present invention is to showing that the Show Styles of payment cipher input frame is not construed as limiting.
Step 208：The information to be paid is sent to payment and settlement server, so that the payment and settlement server enters
Row clearing.
Further, as the realization to method shown in above-mentioned Fig. 1, another embodiment of the present invention additionally provides a kind of payment
The checking device of data.The device embodiment is corresponding with preceding method embodiment, and for ease of reading, present apparatus embodiment is no longer right
Detail content in preceding method embodiment is repeated one by one, it should be understood that the device in the present embodiment can be corresponded in fact
Full content in existing preceding method embodiment.
The embodiment of the present invention provides a kind of checking device of payment data, as shown in figure 4, described device includes：
Receiving unit 31, for receiving payment data checking request；
Collecting unit 32, for waiting to prop up when the payment data checking request received according to the receiving unit is obtained
When paying information, the biological characteristic to be verified of automatic data collection first；
Determining unit 33, for determining the described first biological characteristic to be verified that the collecting unit 32 gathers and default
Whether matched with biological characteristic；
First transmitting element 34, for when the determining unit 33 determine the described first biological characteristic to be verified with it is described pre-
If matching biological is matched, the information to be paid is sent to payment and settlement server, so that the payment and settlement takes
Business device is settled accounts.
Further, as shown in figure 5, the determining unit 33 includes：
Acquisition module 331, for obtaining the described first biological characteristic to be verified and the preset matching biological characteristic；
Comparing module 332, for the acquisition module 331 obtain by the described first biological characteristic to be verified and described
Preset matching biological characteristic is compared；
First determining module 333, for determining the described first biological characteristic to be verified and institute when the comparing module 332
When the similarity degree for stating preset matching biological characteristic is more than or equal to preset matching threshold value, the described first biology to be verified is determined
Feature and preset matching biometric matches, when the comparing module 332 determines the described first biological characteristic to be verified and institute
When the similarity degree for stating preset matching biological characteristic is less than the preset matching threshold value, the described first biological characteristic to be verified is determined
Mismatched with preset matching biological characteristic.
Further, as shown in figure 5, the determining unit 33 includes：
Sending module 334, for the described first biological characteristic to be verified to be sent to server, so as to the server root
According to the legitimacy of the first biological characteristic to be verified described in the preset matching biological characteristic validation, the preset matching biological characteristic
It is stored in server, is the biological characteristic that client user gathered and be uploaded to the server；
Receiving module 335, for sending the described first biological characteristic to be verified to server in the sending module 334
Afterwards, the feedback information for the described first biological characteristic legitimacy to be verified that the server is sent is received；
Second determining module 336, the feedback information for being received according to the receiving module determines described first
Whether biological characteristic to be verified matches with preset matching biological characteristic.
It should be noted that when terminal has the first biological characteristic function to be verified of checking, terminal can be based on acquisition mould
Block 331, the determining module 333 of comparing module 333 and first perform the checking of the first biological characteristic to be verified；Tested when terminal does not have
When demonstrate,proving the first biological characteristic function to be verified, terminal can be based on sending module 334, the determining module 336 of receiving module 335 and second
Perform the checking of the first biological characteristic to be verified；Specifically, the embodiment of the present invention is not construed as limiting to verification mode.
Further, as shown in figure 5, the collecting unit 32 includes：
Calling module 321, for according to the payment data checking request, calling the first camera to obtain letter to be paid
Breath；
Starting module 322, for according to the payment data checking request, automatic start second camera；
Acquisition module 323, the second camera collection described first for being started by the starting module 322 is treated
Verify biological characteristic.
It should be noted that while the present invention can be achieved to call the first camera get information to be paid, opening automatically
Dynamic second camera, the first biological characteristic to be verified, such as facial image or iris image are gathered by second camera.At this
In embodiment, after the payment data checking request is received, while open the first and second cameras of equipment to hold simultaneously
The step of row obtains the first biological characteristic to be verified of information to be paid and collection, it is ensured that payment is more quickly completed, and is improved and is used
Experience at family.In one embodiment, the calling module 321 and starting module 322 can be integrated in same control unit.
Further, as shown in figure 5, described device also includes：
Call unit 35, for determining the described first biological characteristic to be verified and described default when the determining unit 33
When being mismatched with biological characteristic, default sensor is called；In one embodiment, the call unit 35 can be integrated in it is described
Inside collecting unit 32.
The collecting unit 32, the default sensor collection second for being additionally operable to call by the call unit 35 is treated
Verify biological characteristic.
In actual applications, it is also possible to can not have the first biological characteristic to be verified and the preset matching biological characteristic not
Situation about matching somebody with somebody is present or the first and second biological characteristics to be verified and the unmatched situation of the preset matching biological characteristic,
When the determining unit 33 determines that the first and/or second biological characteristic to be verified is mismatched with the preset matching biological characteristic
When, as shown in figure 5, described device also includes：
Output unit 36, for determining the described first biological characteristic to be verified and described default when the determining unit 33
When being mismatched with biological characteristic, output display payment cipher input frame；
Second transmitting element 37, the content for the payment cipher input frame to be inputted is sent to payment and settlement service
Device, so that the payment and settlement server is settled accounts, it is necessary to illustrate, the first and/or second life to be verified that and if only if
When thing feature is mismatched with preset matching biological characteristic, payment cipher input frame can be just shown, to complete to pay.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, and does not have the portion being described in detail in some embodiment
Point, it may refer to the associated description of other embodiment.
It is understood that the correlated characteristic in the above method and device can be referred to mutually.In addition, in above-described embodiment
" first ", " second " etc. be to be used to distinguish each embodiment, and do not represent the quality of each embodiment.
It is apparent to those skilled in the art that, for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with based on teaching in this.As described above, construct required by this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It is understood that, it is possible to use it is various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the specification that this place is provided, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice in the case of these no details.In some instances, known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it will be appreciated that in order to simplify the disclosure and help to understand one or more of each inventive aspect, exist
Above in the description of the exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：It is i.e. required to protect
The application claims of shield features more more than the feature being expressly recited in each claim.More precisely, such as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following embodiment are expressly incorporated in the embodiment, wherein each claim is in itself
All as the separate embodiments of the present invention.
Those skilled in the art, which are appreciated that, to be carried out adaptively to the module in the equipment in embodiment
Change and they are arranged in one or more equipment different from the embodiment.Can be the module or list in embodiment
Member or component be combined into a module or unit or component, and can be divided into addition multiple submodule or subelement or
Sub-component.In addition at least some in such feature and/or process or unit exclude each other, it can use any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, summary and accompanying drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification (including adjoint power
Profit is required, summary and accompanying drawing) disclosed in each feature can or similar purpose identical, equivalent by offer alternative features come generation
Replace.
Although in addition, it will be appreciated by those of skill in the art that some embodiments described herein include other embodiments
In included some features rather than further feature, but the combination of the feature of be the same as Example does not mean in of the invention
Within the scope of and form different embodiments.For example, in the following claims, times of embodiment claimed
One of meaning mode can be used in any combination.
The present invention all parts embodiment can be realized with hardware, or with one or more processor run
Software module realize, or realized with combinations thereof.It will be understood by those of skill in the art that can use in practice
Microprocessor or digital signal processor (DSP) realize the verification method and dress of payment data according to embodiments of the present invention
The some or all functions of some or all parts in putting.The present invention is also implemented as described here for performing
Method some or all equipment or program of device (for example, computer program and computer program product).This
The program of the realization present invention of sample can be stored on a computer-readable medium, or can have one or more signal
Form.Such signal can be downloaded from internet website and obtained, and either be provided or with any other on carrier signal
Form is provided.
It should be noted that the present invention will be described rather than limits the invention for above-described embodiment, and ability
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference symbol between bracket should not be configured to limitations on claims.Word "comprising" is not excluded the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of some different elements and coming real by means of properly programmed computer
It is existing.In if the unit claim of equipment for drying is listed, several in these devices can be by same hardware branch
To embody.The use of word first, second, and third does not indicate that any order.These words can be explained and run after fame
Claim.
Claims (12)
1. a kind of verification method of payment data, it is characterised in that including：
Receive payment data checking request；
When obtaining information to be paid according to the payment data checking request, the biological characteristic to be verified of automatic data collection first；
Determine whether the described first biological characteristic to be verified matches with preset matching biological characteristic；
If it is determined that first biological characteristic to be verified and the preset matching biometric matches, then by the information to be paid
Send to payment and settlement server, so that the payment and settlement server is settled accounts.
2. according to the method described in claim 1, it is characterised in that described to determine first biological characteristic to be verified with presetting
Matching biological whether match including：
Obtain the described first biological characteristic to be verified and the preset matching biological characteristic, and by the described first biology to be verified
Feature and the preset matching biological characteristic are compared；
If the similarity degree of first biological characteristic to be verified and the preset matching biological characteristic is more than or equal to pre-
If matching threshold, it is determined that first biological characteristic to be verified and preset matching biometric matches.
3. according to the method described in claim 1, it is characterised in that described to determine first biological characteristic to be verified with presetting
Matching biological whether match including：
Described first biological characteristic to be verified is sent to server, so that the server is biological special according to the preset matching
The legitimacy for verifying first biological characteristic to be verified is levied, the preset matching biological characteristic is stored in server, be visitor
Family end subscriber gathers and is uploaded to the biological characteristic of the server；
The feedback information for the described first biological characteristic legitimacy to be verified that the server is sent is received, according to described anti-
Feedforward information determines whether the described first biological characteristic to be verified matches with preset matching biological characteristic.
4. the method according to any one of claim 1-3, it is characterised in that the automatic data collection first biology to be verified
Feature includes：
According to the payment data checking request, the first camera is called to obtain the information to be paid；
According to the payment data checking request, automatic start second camera gathers described the by the second camera
One biological characteristic to be verified.
5. according to the method described in claim 1, it is characterised in that further include：
If it is determined that first biological characteristic to be verified is mismatched with the preset matching biological characteristic, then default sensing is called
Device, the second biological characteristic to be verified is gathered by the default sensor.
6. according to the method described in claim 1, it is characterised in that methods described also includes：
If it is determined that first biological characteristic to be verified is mismatched with the preset matching biological characteristic, then output display pays close
Code input frame, and the content of payment cipher input frame input is sent to payment and settlement server, pay knot so as to described
Server is calculated to be settled accounts.
7. a kind of checking device of payment data, it is characterised in that including：
Receiving unit, for receiving payment data checking request；
Collecting unit, for obtaining information to be paid when the payment data checking request received according to the receiving unit
When, the biological characteristic to be verified of automatic data collection first；
Determining unit, for determining that the described first biological characteristic to be verified and preset matching of the collecting unit collection are biological special
Levy and whether match；
First transmitting element, for determining that the described first biological characteristic to be verified is given birth to the preset matching when the determining unit
During thing characteristic matching, the information to be paid is sent to payment and settlement server, so that the payment and settlement server is carried out
Clearing.
8. device according to claim 7, it is characterised in that the determining unit includes：
Acquisition module, for obtaining the described first biological characteristic to be verified and the preset matching biological characteristic；
Comparing module, gives birth to the described first biological characteristic to be verified and the preset matching for what the acquisition module was obtained
Thing feature is compared；
First determining module, for determining the described first biological characteristic to be verified and the preset matching when the comparing module
When the similarity degree of biological characteristic is more than or equal to preset matching threshold value, determine the described first biological characteristic to be verified with presetting
Matching biological is matched.
9. device according to claim 7, it is characterised in that the determining unit includes：
Sending module, for the described first biological characteristic to be verified to be sent to server, so that the server is according to described
The legitimacy of first biological characteristic to be verified described in preset matching biological characteristic validation, the preset matching biological characteristic is stored in
It is the biological characteristic that client user gathered and be uploaded to the server in server；
Receiving module, for sending the described first biological characteristic to be verified to server in the sending module, is received
The feedback information for the described first biological characteristic legitimacy to be verified that the server is sent；
Second determining module, the feedback information for being received according to the receiving module determines the described first life to be verified
Whether thing feature matches with preset matching biological characteristic.
10. the device according to any one of claim 7-9, it is characterised in that the collecting unit includes：
Calling module, for according to the payment data checking request, calling the first camera to obtain the information to be paid；
Starting module, for according to the payment data checking request, automatic start second camera；
Acquisition module, it is to be verified biological special that the second camera for being started by the starting module gathers described first
Levy.
11. device according to claim 10, it is characterised in that described device also includes：
Call unit, for determining that the described first biological characteristic to be verified is biological special with the preset matching when the determining unit
When levying mismatch, default sensor is called；
The collecting unit, the default sensor for being additionally operable to call by the call unit gathers the second biology to be verified
Feature.
12. device according to claim 10, it is characterised in that described device also includes：
Output unit, for determining that the described first biological characteristic to be verified is biological special with the preset matching when the determining unit
When levying mismatch, output display payment cipher input frame；
Second transmitting element, the content for the payment cipher input frame to be inputted is sent to payment and settlement server, so as to
The payment and settlement server is settled accounts.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710476498.2A CN107274188A (en) | 2017-06-21 | 2017-06-21 | The verification method and device of payment data |
| PCT/CN2017/102939 WO2018233110A1 (en) | 2017-06-21 | 2017-09-22 | Payment data verification method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710476498.2A CN107274188A (en) | 2017-06-21 | 2017-06-21 | The verification method and device of payment data |
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| Publication Number | Publication Date |
|---|---|
| CN107274188A true CN107274188A (en) | 2017-10-20 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710476498.2A Pending CN107274188A (en) | 2017-06-21 | 2017-06-21 | The verification method and device of payment data |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN107274188A (en) |
| WO (1) | WO2018233110A1 (en) |
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