CN107506992A - Method of payment and payment mechanism, computer installation and computer-readable recording medium - Google Patents
Method of payment and payment mechanism, computer installation and computer-readable recording medium Download PDFInfo
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- CN107506992A CN107506992A CN201710750562.1A CN201710750562A CN107506992A CN 107506992 A CN107506992 A CN 107506992A CN 201710750562 A CN201710750562 A CN 201710750562A CN 107506992 A CN107506992 A CN 107506992A
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- Prior art keywords
- payment
- default
- payment application
- graphic code
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
-
- 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 kind of method of payment and payment mechanism, computer installation and computer-readable recording medium.In the present invention, when terminal is in and puts out screen state, by whether there is default payment object in the preset range around the NFC module identification terminal of terminal, default payment object be present if recognizing in the preset range of terminal surrounding, then obtain the payment application with default payment match objects, start payment application, and paid by payment application.When the present invention has default payment object in the preset range for recognize terminal surrounding, obtain and start the payment application with the default payment match objects, finally paid using the payment application.Therefore, the present invention can simplify the operating process of mobile payment, improve Consumer's Experience.
Description
Technical field
The invention belongs to mobile payment field, more particularly to a kind of method of payment and payment mechanism, computer installation and meter
Calculation machine readable storage medium storing program for executing.
Background technology
Mobile payment has obtained rapid development because of its good portability.But user is carried out using mobile terminal
During payment, generally require to first confirm that the payment method that businessman supports, after the payment method that businessman to be confirmed supports, Yong Huzai
Application accordingly is opened to be paid the bill.For example, when businessman supports the payment of POS barcode scanning, user needs to unlock mobile phone first, then
Corresponding application is opened, and then opens payment code and is paid；When businessman supports wechat, the payment of Alipay barcode scanning, Yong Huxu
Mobile phone is unlocked first, then opens wechat or Alipay application, and then opens wechat or the barcode scanning payment function of Alipay
Paid.
Therefore, the operating process of the different means of payment is different that user needs to confirm branch with businessman first when paying
The means of payment held, is then paid again.Thus cause that existing mobile payment is cumbersome, poor user experience.
The content of the invention
The present invention provides a kind of method of payment and payment mechanism, computer installation and computer-readable recording medium, it is intended to
Solves the problems, such as cumbersome, poor user experience existing for existing mobile payment.
First aspect present invention provides a kind of method of payment, and it includes：
If terminal, which is in, puts out screen state, being identified by the NFC module of terminal in the preset range of the terminal surrounding is
It is no default payment object to be present；
Default payment object be present if recognizing in the preset range of the terminal surrounding, obtain and the default payment
The payment application of match objects；
Start the payment application, and paid by the payment application.
In a preferably embodiment, the acquisition and the payment application of the default payment match objects, bag
Include：
If it is the POS comprising NFC label to recognize the default payment object by the NFC module of the terminal,
Obtain the payment application with NFC payment functions；Or
If it is the scanning machine comprising NFC label to recognize the default payment object by the NFC module of the terminal,
Obtain the payment application with the passive payment function of graphic code；Or
If it is the figure comprising NFC label to recognize the default payment object by the NFC module of the mobile terminal
Code, then obtain the payment application with graphic code active payment function.
In a preferably embodiment, the startup payment application includes：
If getting the payment application with the passive payment function of graphic code, starting, there is graphic code passively to pay
The payment application of function, and show graphic code；Or
If getting the payment application with graphic code active payment function, starting, there is graphic code actively to pay
The payment application of function.
In a preferably embodiment, the method for payment includes：
Obtain the identity information of user；
Judge whether the identity information of user is consistent with default authentication information；
If the identity information of user is consistent with default authentication information, execution is propped up by the payment application
The step of paying.
In a preferably embodiment, the identity information of the user includes：
User fingerprints information；Or
User voice information；Or
Client iris information；Or
User's facial information；Or
The password of user's input；Or
Combinations thereof.
Second aspect of the present invention provides a kind of payment mechanism, and the payment mechanism includes：
Identification module, screen state is put out if being in for terminal, the terminal surrounding is identified by the NFC module of terminal
With the presence or absence of default payment object in preset range；
Acquisition module, if default payment object in preset range for recognizing the terminal surrounding be present, obtain
With the payment application of the default payment match objects；
Starting module, paid for starting the payment application, and by the payment application.
In a preferably embodiment, the acquisition module includes：
First acquisition unit, if for by the NFC module of the terminal recognize it is described it is default payment object be comprising
The POS of NFC label, then obtain the payment application with NFC payment functions；Or
Second acquisition unit, if it is to be marked comprising NFC to recognize the default payment object by the NFC module of the terminal
The scanning machine of label, then obtain the payment application with the passive payment function of graphic code；Or
3rd acquiring unit, if by the NFC module of the mobile terminal recognize it is described it is default payment object be comprising
The graphic code of NFC label, then obtain the payment application with graphic code active payment function.
In a preferably embodiment, the starting module includes：
First start unit, if for getting the payment application with the passive payment function of graphic code, start
Payment application with the passive payment function of graphic code, and show graphic code；Or
Second start unit, if for getting the payment application with graphic code active payment function, start
Payment application with graphic code active payment function.
In a preferably embodiment, the payment mechanism also includes：
Identity information acquisition module, for obtaining the identity information of user；
Judge module, for judging whether the identity information of user is consistent with default authentication information；
If the identity information of user is consistent with default authentication information, starting module performs applies journey by the payment
The step of sequence is paid.
In a preferably embodiment, the identity information of the user includes：
User fingerprints information；Or
User voice information；Or
Client iris information；Or
User's facial information；Or
The password of user's input；Or
Combinations thereof.
Third aspect present invention provides a kind of computer installation, and the computer installation includes processor, the processor
Realized during for performing the computer program stored in memory as described in above-mentioned any one embodiment the step of method of payment.
Fourth aspect present invention provides a kind of computer-readable recording medium, is stored thereon with computer program, the meter
Realized when calculation machine program is executed by processor as described in above-mentioned any one embodiment the step of method of payment.
In the present invention, if recognizing the default of terminal surrounding by the NFC module of terminal in the terminal for putting out screen state
In the range of when default payment object be present, then obtain the payment application with the default payment match objects, finally start
The payment application, and paid using the payment application.Therefore, the present invention can simplify the operation of mobile payment
Flow, improve Consumer's Experience.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, make required in being described below to embodiment
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for
For those skilled in the art, on the premise of not paying creative work, it can also be obtained according to these accompanying drawings other attached
Figure.
Fig. 1 is the implementation process figure of method of payment provided in an embodiment of the present invention；
Fig. 2 is the functional block diagram of payment mechanism provided in an embodiment of the present invention；
Fig. 3 is the structural representation of computer installation provided in an embodiment of the present invention.
Main element symbol description
| Computer installation | 1 |
| Payment mechanism | 10 |
| Memory | 11 |
| Processor | 12 |
| Input-output equipment | 13 |
| Identification module | 101 |
| Acquisition module | 102 |
| Starting module | 103 |
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Fig. 1 shows the implementation process of method of payment provided in an embodiment of the present invention, according to different demands, the flow chart
The order of middle step can change, and some steps can be omitted.For convenience of description, illustrate only related to the embodiment of the present invention
Part, details are as follows：
As shown in figure 1, a kind of method of payment, it includes：
Step S101, if terminal, which is in, puts out screen state, the default of the terminal surrounding is identified by the NFC module of terminal
In the range of with the presence or absence of default payment object.
In embodiments of the present invention, when user needs to carry out payment activity, for example, preparing when user has strolled market in cabinet
, can be by knowing in the NFC module for putting out the terminal under screen state when platform is settled accounts or when user is prepared to merchant payment
With the presence or absence of default payment object in the preset range of other terminal surrounding.NFC (near-field communication, English full name：Near Field
Communication, abbreviation NFC) technology is a kind of radiotechnics of short distance high frequency, run on 10 centimetres in 13.56M hertz
Distance in.NFC technique is widely used in gate control system, city one-card, logistics system and identification, is particularly at present
Mobile payment field.With the development of NFC technique, current most terminal has possessed NFC function.
The preset range is terminal NFC effective identification range, i.e., in the preset range, the NFC function of terminal just may be used
Effectively to use, for example, in a preferably embodiment, the preset range is centered on the terminal, is radius with K centimetres
Region.In order to further ensure the use validity of NFC function, in a preferably embodiment, K 10.The default payment
Object can be paid using it, and possess the default payment object of NFC label, only possess the payment of NFC label
Object can be identified by the NFC of terminal.In a preferably embodiment, the default payment object includes possessing NFC label
POS, the barcode scanning gun for possessing NFC label and possesses Quick Response Code of NFC label etc..
Step S102, default payment object, acquisition and institute be present if recognizing in the preset range of the terminal surrounding
State the payment application of default payment match objects.
Specifically, in a preferably embodiment, obtain in step s 102 and the default payment match objects
Payment application specifically includes：
(1) if it is the POS comprising NFC label to recognize the default payment object by the NFC module of the terminal,
Then obtain the payment application with NFC payment functions.
If it is the POS comprising NFC label to recognize default payment object by the NFC module of terminal, acquisition possesses
The payment application of NFC payment functions.In view of the payment application for possessing NFC payment functions at present is more and more, and it is more
Family's manufacturer terminal and electric business, internet manufacturer are proposed oneself brand, for example, the Meizu Pay under Meizu, Huawei's flag
Under Huawei Pay, millet under millet pay, and wechat, Alipay etc. also support NFC payment functions etc. at present.Can be with
Say, possess the payment application of NFC payment functions have it is multiple.
Therefore, in a preferably embodiment, the payment application that above-mentioned acquisition possesses NFC payment functions includes：Obtain
The list for the payment application for possessing NFC payment functions is taken, and shows that described pay is applied in the predeterminable area of terminal screen
The list of program.Terminal screen is divided into by three regions with the trisection line that terminal screen is horizontal：Top, middle part and under
Portion, in a preferably embodiment, the predeterminable area is the lower area of terminal screen, can so facilitate user to be grasped
Make.
In addition, in order to further improve the operating process of mobile payment, simplify the operating process of mobile payment, preferably
In one embodiment, the payment application that above-mentioned acquisition possesses NFC payment functions also includes：Pre-set the payment and apply journey
The payment application and/or the payment order of payment application given tacit consent in the list of sequence.For example, in terminal is known in advance
Comprising the payment application for possessing NFC payment functions on the premise of, wechat either Alipay or evil spirit can be pre-set
Race Pay is the payment application for possessing NFC payment functions of acquiescence.In addition, in order to prevent preceding application program because some
Reason can not be paid, such as Sorry, your ticket has not enough value for the bank card bound in the payment application, can also pre-set
State the payment order of payment application in payment application list.Paid for example, Meizu Pay can be pre-set for first
Application program, wechat or Alipay are pre-set as second payment application etc..
(2) if it is the barcode scanning comprising NFC label to recognize the default payment object by the NFC module of the terminal
Machine, then obtain the payment application with the passive payment function of graphic code.
If it is the scanning machine comprising NFC label to recognize default payment object by the NFC module of terminal, acquisition possesses
The payment application of the passive payment function of graphic code.The graphic code can include Quick Response Code or bar code etc..It is in view of two-dimentional
The popularization that code is paid, further to improve the convenience of mobile payment, in a preferably embodiment, the graphic code is two dimension
Code, the payment application for possessing the passive payment function of graphic code is the payment application for possessing payment Quick Response Code, is swept
Retouching machine, the payment Quick Response Code can be paid by scanning parsing.
In view of possessing the passive payment function of graphic code at present, that is, the payment application for Quick Response Code of paying the bill is more and more, example
As wechat, Alipay and other possess payment Quick Response Code payment application.Therefore, in a preferably embodiment, on
Stating the payment application that acquisition possesses the passive payment function of graphic code includes：Obtain the branch for possessing the passive payment function of graphic code
The list of application program is paid, and the list of the payment application is shown in the predeterminable area of terminal screen.Likewise, this is pre-
If region is the lower area of terminal screen.
Likewise, in order to further improve the operating process of mobile payment, simplify the operating process of mobile payment, more excellent
An embodiment in, the payment application that above-mentioned acquisition possesses the passive payment function of graphic code also includes：Pre-set described
The payment application and/or the payment order of payment application given tacit consent in the list of payment application.Likewise, can be with
Pre-set wechat either Alipay or the payment application journey for possessing the passive payment function of graphic code that Meizu Pay is acquiescence
Sequence.Furthermore it is also possible to pre-set the payment order of payment application in above-mentioned payment application list.For example, can be with
Pre-set that wechat is the first payment application, to pre-set Alipay be second payment application etc..
(3) if it is the figure comprising NFC label to recognize the default payment object by the NFC module of the mobile terminal
Shape code, then obtain the payment application with graphic code active payment function.
If it is the graphic code comprising NFC label to recognize default payment object by the NFC module of terminal, acquisition possesses
The payment application of graphic code active payment function.The graphic code can include Quick Response Code or bar code etc..It is in view of two-dimentional
The popularization that code is paid, further to improve the convenience of mobile payment, in a preferably embodiment, NFC label should be included
Graphic code be the gathering Quick Response Code comprising NFC label.Then this possesses the payment application of graphic code active payment function i.e.
To possess the payment application for scanning the graphic code for possessing NFC label, that is, possesses scanning parsing graphic code, to be paid
Payment application, by the scan function of payment application scanning parsing, this possesses the gathering two dimension of NFC label to user
Code, you can paid.
In view of possessing graphic code active payment function at present, that is, scan payment application journey of the gathering Quick Response Code to be paid
Sequence is more and more, for example, wechat, Alipay and other possess payment application of the scanning gathering Quick Response Code to be paid.
Therefore, in a preferably embodiment, the payment application that above-mentioned acquisition possesses graphic code active payment function includes：Obtain
Possess the list of the payment application of graphic code active payment function, and the payment is shown in the predeterminable area of terminal screen
The list of application program.Likewise, the predeterminable area is the lower area of terminal screen.
In view of wechat payment Quick Response Code and Alipay payment Quick Response Code belong to different payment systems at present, wechat can not
Paid by scanning Alipay payment Quick Response Code, and Alipay can not be paid by scanning wechat Quick Response Code.
Therefore, in order to further improve the operating process of mobile payment, the operating process of mobile payment is simplified, in a preferably embodiment
In, the payment application that above-mentioned acquisition possesses graphic code active payment function includes：Judge the type of the graphic code, and root
Payment application corresponding with the graphic code is obtained according to the type of the graphic code.Judge the graphic code for example, working as
For wechat collect money Quick Response Code when, then obtain wechat payment application, when judge the graphic code for Alipay gathering two dimension
During code, then Alipay payment application is obtained, when it is other kinds of gathering Quick Response Code to judge graphic code, for example, silver-colored
Connection gathering Quick Response Code, then obtain payment application corresponding with the type of the gathering Quick Response Code, for example, possessing scanning gathering two
Tie up the payment application of Unionpay's system of code.
Step S103, start the payment application, and paid by the payment application.
Specifically, in a preferably embodiment, it is corresponding with above-mentioned steps S102, start the payment in step S103
Application program includes：
(1) if getting the payment application with the passive payment function of graphic code, starting has graphic code passive
The payment application of payment function, and show graphic code.
It is corresponding with (2) in above-mentioned steps S102, further to improve the convenience of mobile payment, preferably one
In embodiment, the graphic code is Quick Response Code, and the payment application for possessing the passive payment function of graphic code is to possess payment
The payment application of Quick Response Code, scanning machine parse the payment Quick Response Code by scanning and can paid.
In a preferably embodiment, above-mentioned startup has the payment application of the passive payment function of graphic code, and shows
Diagram shape code also includes：Start the payment application with the passive payment function of graphic code, and in the preset areas of terminal screen
Domain shows the list of the graphic code of the payment application.Likewise, the predeterminable area is the lower area of terminal screen.
Likewise, in order to further improve the operating process of mobile payment, simplify the operating process of mobile payment, advance
There is provided the payment application of the middle acquiescence of the payment application and/or the situation of the payment order of payment application
Under, in a preferably embodiment, the above-mentioned predeterminable area in terminal screen shows the graphic code of the payment application
List includes：The graphic code of the payment application of acquiescence is shown in the predeterminable area of terminal screen or comes payment order head
The graphic code of the payment application of position.
(2) if getting the payment application with graphic code active payment function, starting has graphic code actively
The payment application of payment function.
It is corresponding with (3) in above-mentioned steps S102, further to improve the convenience of mobile payment, preferably one
In embodiment, the payment application for possessing graphic code active payment function is that the payment for possessing scanning gathering Quick Response Code is answered
With program, that is, possesses scanning parsing graphic code, with the payment application paid, user is swept by payment application
Retouch functionality scan and parse the gathering Quick Response Code for possessing NFC label, you can paid.
In a preferably embodiment, if judging the type of the graphic code, root in (3) in above-mentioned steps S102
, now can be to uniquely determine the branch after obtaining corresponding with graphic code payment application according to the type of the graphic code
Application program is paid, therefore, directly initiates the payment application in step s 103.
In order to improve the security of mobile payment activity, in a preferably embodiment, on the basis of above-mentioned, the branch
The method of paying also includes after payment application is started and before paying：
(1) identity information of user is obtained.
In view of fingerprint pay, sound wave pay, iris pay, face pay and password pay etc. the means of payment prevalence with
Popularization, in a preferably embodiment, the identity information of above-mentioned user includes user fingerprints information, user's information of acoustic wave, user
The password of iris information, user's facial information and user's input.Wherein, the password of user's input can include user's input
Numerical ciphers, graphical passwords or gesture password etc..In addition to subscriber identity information mentioned above, the identity information of the user
It can also be other kinds of identity information, not do special limitation herein.
In order to further improve the security of payment activity, in a preferably embodiment, the identity letter of above-mentioned user
Breath can also be the combination of two or more identity information of above-mentioned identity information.For example, the identity of above-mentioned user
Information can be the finger print information of user and the password of user's input, can be the finger print information of user and the sound wave letter of user
It breath, can be the information of acoustic wave of user and the password of user's input, or even can also be the finger print information of user and the sound of user
Ripple information and the password of user's input etc..For the convenience of equalization payment activity and the security of payment activity, preferably
In one embodiment, the identity information of user can be the group of any two subscriber identity information in above-mentioned multiple subscriber identity informations
Close, it is contemplated that user's custom hobby used in everyday and frequency, in a preferably embodiment, above-mentioned subscriber identity information can
Be user finger print information and user input password combination.
(2) judge whether the identity information of user is consistent with default authentication information.
After the identity information of user is got, judge user identity information whether the authentication information with user preset
Match somebody with somebody.Wherein, the default authentication information is the authentication information that is pre-configured with of user, for example, with the user identity in above-mentioned steps
Information is corresponding, and user can pre-set user fingerprints information, user's information of acoustic wave, client iris information, user face letter
The password that breath and user pre-set is authentication information, and in a preferably embodiment, the password pre-set can be
Numerical ciphers, pattern password and gesture password for pre-setting etc..
If the identity information of user is consistent with default authentication information, execution is propped up by the payment application
The step of paying.
If the identity information of user matches with default authentication information, if specifically, user fingerprints information is pre- with user
The finger print information first set matches, code matches that either password and the user of user's input pre-set or other
Subscriber identity information match with the other authentication informations pre-set, that is, think the identity information certification of user by,
Then perform the step of being paid in step S103 by the payment application.
In embodiments of the present invention, when default payment object in the preset range for recognize terminal surrounding be present, obtain
And start the payment application with the default payment match objects, finally paid using the payment application.Can
See, the embodiment of the present invention can simplify the operating process of mobile payment, improve Consumer's Experience.In addition, apply journey starting to pay
After sequence, the further identity information for verifying user, after the identity information of user is verified, payment application is recycled
Paid.Therefore, the embodiment of the present invention can also improve the security of payment.
Fig. 2 shows the functional module of payment mechanism provided in an embodiment of the present invention, for convenience of description, illustrate only with
The related part of the embodiment of the present invention, details are as follows：
With reference to figure 2, the modules that the payment mechanism 10 includes, which are used to performing Fig. 1, corresponds to each step in embodiment,
The associated description in embodiment is corresponded to referring specifically to Fig. 1 and Fig. 1, here is omitted.In the embodiment of the present invention, the payment
Device 10 includes identification module 101, acquisition module 102 and starting module 103.
Identification module 101, screen state is put out if being in for terminal, the terminal week is identified by the NFC module of terminal
With the presence or absence of default payment object in the preset range enclosed.
Acquisition module 102, if default payment object in preset range for recognizing the terminal surrounding be present, obtain
Take the payment application with the default payment match objects.
In a preferably embodiment, acquisition module specifically includes：
(1) first acquisition unit, if being bag for recognizing the default payment object by the NFC module of the terminal
POS containing NFC label, then obtain the payment application with NFC payment functions.
(2) second acquisition unit, if being bag for recognizing the default payment object by the NFC module of the terminal
Scanning machine containing NFC label, then obtain the payment application with the passive payment function of graphic code.
(3) the 3rd acquiring units, if for recognizing the default payment object by the NFC module of the mobile terminal
For the graphic code comprising NFC label, then the payment application with graphic code active payment function is obtained.
Starting module 103, paid for starting the payment application, and by the payment application.
In a preferably embodiment, starting module 103 includes：
(1) first start unit, if for getting the payment application with the passive payment function of graphic code, is opened
The dynamic payment application with the passive payment function of graphic code, and show graphic code.
(2) second start units, if for getting the payment application with graphic code active payment function, are opened
The dynamic payment application with graphic code active payment function.
In order to further improve the security of payment activity, in a preferably embodiment, in above-mentioned modular structure
On the basis of, the payment mechanism 10 also includes：
Identity information acquisition module, for obtaining the identity information of user；
Judge module, for judging whether the identity information of user is consistent with default authentication information.
If judge module judges that the identity information of user is consistent with default authentication information, starting module 30 passes through institute
Payment application is stated to be paid.
In a preferably embodiment, the identity information of the user includes：
User fingerprints information；Or user voice information；Or client iris information；Or user's facial information；Or
The password of user's input；Or combinations thereof.
In embodiments of the present invention, identify that mould 101 has default payment pair in the preset range for recognize terminal surrounding
As when, acquisition module 102 obtains the payment application with the default payment match objects, and last starting module 103 starts
Payment application, and paid using the payment application.It can be seen that the embodiment of the present invention can simplify mobile payment
Operating process, improve Consumer's Experience.In addition, after starting module 103 starts payment application, further identity information obtains
Modulus block obtains the identity information of user, and judge module is verified the identity information of user, is verified in the identity information of user
Afterwards, starting module 103 recycles payment application to be paid.Therefore, the embodiment of the present invention can also improve the peace of payment
Quan Xing.
Fig. 3 is that the structure of the computer installation 1 of the preferred embodiment provided in an embodiment of the present invention for realizing method of payment is shown
It is intended to.As shown in figure 3, computer installation 1 includes memory 11, processor 12 and input-output equipment 13.
The computer installation 1 be it is a kind of can according to the instruction for being previously set or storing, it is automatic carry out numerical computations and/
Or the equipment of information processing, its hardware include but is not limited to microprocessor, application specific integrated circuit (Application Specific
Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), number
Word processing device (Digital Signal Processor, DSP), embedded device etc..
The computer installation 1 can be any electronic product that man-machine interaction can be carried out with user, for example, personal
Computer, tablet personal computer, smart mobile phone, personal digital assistant (Personal Digital Assistant, PDA), game machine,
IPTV (Internet Protocol Television, IPTV), intellectual Wearable etc..The calculating
Network residing for machine device 1 includes but is not limited to internet, wide area network, Metropolitan Area Network (MAN), LAN, VPN (Virtual
Private Network, VPN) etc..
Memory 11 is used to store the program of method of payment and various data, and real in the running of computer installation 1
Now at a high speed, be automatically completed the accesses of program or data.Memory 11 can be computer installation 1 External memory equipment and/
Or internal storage device.Further, memory 11 can be there is no physical form in integrated circuit there is store function
Circuit, such as RAM (Random-Access Memory, direct access storage device), FIFO (First In First Out)
Deng, or, memory 11 can also be the storage device for having physical form, such as memory bar, TF card (Trans-flash
Card) etc..
Processor 12 can be central processing unit (CPU, Central Processing Unit).CPU is one piece of super large rule
The integrated circuit of mould, it is the arithmetic core (Core) and control core (Control Unit) of computer installation 1.Processor 12 can
The operating system of computer installation 1 and the types of applications program of installation, program code etc. are performed, such as performs payment mechanism 10
In modules in operating system and installation types of applications program, program code, to realize method of payment.
Input-output equipment 13 is mainly used in realizing the input/output function of computer installation 1, for example receives and dispatches the number of input
Word or character information, or show the information inputted by user or be supplied to the information of user and respectively planting vegetables for computer installation 1
It is single.
If the integrated module/unit of the computer installation 1 is realized in the form of SFU software functional unit and as independently
Production marketing or in use, can be stored in a computer read/write memory medium.Based on such understanding, the present invention
All or part of flow in above-described embodiment method is realized, the hardware of correlation can also be instructed come complete by computer program
Into described computer program can be stored in a computer-readable recording medium, and the computer program is being executed by processor
When, can be achieved above-mentioned each embodiment of the method the step of.Wherein, the computer program includes computer program code, described
Computer program code can be source code form, object identification code form, executable file or some intermediate forms etc..The meter
Calculation machine computer-readable recording medium can include：Can carry any entity or device of the computer program code, recording medium, USB flash disk,
Mobile hard disk, magnetic disc, CD, computer storage, read-only storage (ROM, Read-Only Memory), random access memory
Device (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..Need what is illustrated
It is that the content that the computer-readable medium includes can be fitted according to legislation in jurisdiction and the requirement of patent practice
When increase and decrease, such as in some jurisdictions, according to legislation and patent practice, computer-readable medium, which does not include electric carrier wave, to be believed
Number and telecommunication signal.
In several embodiments provided by the present invention, it should be understood that disclosed system, apparatus and method can be with
Realize by another way.For example, device embodiment described above is only schematical, for example, the module
Division, only a kind of division of logic function, can there is other dividing mode when actually realizing.
The module illustrated as separating component can be or may not be physically separate, show as module
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of module therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional module in each embodiment of the present invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, can also be realized in the form of hardware adds software function module.
It is obvious to a person skilled in the art that the invention is not restricted to the details of above-mentioned one exemplary embodiment, Er Qie
In the case of without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, embodiment all should be regarded as exemplary, and be nonrestrictive, the scope of the present invention is by appended power
Profit requires rather than described above limits, it is intended that all in the implication and scope of the equivalency of claim by falling
Change is included in the present invention.Any attached associated diagram mark in claim should not be considered as into the involved right of limitation will
Ask.Furthermore, it is to be understood that the word of " comprising " one is not excluded for other units or step, odd number is not excluded for plural number.Stated in system claims
Multiple modules or device can also be realized by a module or device by software or hardware.The first, the second grade word
For representing title, and it is not offered as any specific order.
Finally it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention and it is unrestricted, although reference
The present invention is described in detail for preferred embodiment, it will be understood by those within the art that, can be to the present invention's
Technical scheme is modified or equivalent substitution, without departing from the spirit and scope of technical solution of the present invention.
Claims (10)
1. a kind of method of payment, it is characterised in that the method for payment includes：
If terminal, which is in, puts out screen state, identify in the preset range of the terminal surrounding whether deposit by the NFC module of terminal
In default payment object；
Default payment object be present if recognizing in the preset range of the terminal surrounding, obtain and the default payment object
The payment application to match；
Start the payment application, and paid by the payment application.
2. method of payment as claimed in claim 1, it is characterised in that the acquisition and the default payment match objects
Payment application, including：
If it is the POS comprising NFC label to recognize the default payment object by the NFC module of the terminal, obtain
Payment application with NFC payment functions；Or
If it is the scanning machine comprising NFC label to recognize the default payment object by the NFC module of the terminal, obtain
Payment application with the passive payment function of graphic code；Or
If it is the graphic code comprising NFC label to recognize the default payment object by the NFC module of the mobile terminal,
Obtain the payment application with graphic code active payment function.
3. method of payment as claimed in claim 2, it is characterised in that the startup payment application includes：
If getting the payment application with the passive payment function of graphic code, startup has the passive payment function of graphic code
Payment application, and show graphic code；Or
If getting the payment application with graphic code active payment function, startup has graphic code active payment function
Payment application.
4. the method for payment as described in claim any one of 1-3, it is characterised in that the method for payment also includes：
Obtain the identity information of user；
Judge whether the identity information of user is consistent with default authentication information；
If the identity information of user is consistent with default authentication information, perform what is paid by the payment application
Step.
5. method of payment as claimed in claim 4, it is characterised in that the identity information of the user includes：
User fingerprints information；Or
User voice information；Or
Client iris information；Or
User's facial information；Or
The password of user's input；Or
Combinations thereof.
6. a kind of payment mechanism, it is characterised in that the payment mechanism includes：
Identification module, screen state is put out if being in for terminal, the default of the terminal surrounding is identified by the NFC module of terminal
In the range of with the presence or absence of default payment object；
Acquisition module, if default payment object in preset range for recognizing the terminal surrounding be present, obtain and institute
State the payment application of default payment match objects；
Starting module, paid for starting the payment application, and by the payment application.
7. payment mechanism as claimed in claim 6, it is characterised in that the acquisition module includes：
First acquisition unit, if being to be marked comprising NFC for recognizing the default payment object by the NFC module of the terminal
The POS of label, then obtain the payment application with NFC payment functions；Or second acquisition unit, if for by described
It is the scanning machine comprising NFC label that the NFC module of terminal, which recognizes the default payment object, then obtaining has graphic code passive
The payment application of payment function；Or
3rd acquiring unit, if for by the NFC module of the mobile terminal recognize it is described it is default payment object be comprising
The graphic code of NFC label, then obtain the payment application with graphic code active payment function.
8. payment mechanism as claimed in claim 7, it is characterised in that the starting module includes：
First start unit, if for getting the payment application with the passive payment function of graphic code, startup has
The payment application of the passive payment function of graphic code, and show graphic code；Or
Second start unit, if for getting the payment application with graphic code active payment function, startup has
The payment application of graphic code active payment function.
9. a kind of computer installation, it is characterised in that the computer installation includes processor, and the processor is deposited for execution
Realized during the computer program stored in reservoir as described in any one in claim 1-5 the step of method of payment.
10. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program
Realized when being executed by processor as described in any one in claim 1-5 the step of method of payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710750562.1A CN107506992A (en) | 2017-08-28 | 2017-08-28 | Method of payment and payment mechanism, computer installation and computer-readable recording medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710750562.1A CN107506992A (en) | 2017-08-28 | 2017-08-28 | Method of payment and payment mechanism, computer installation and computer-readable recording medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107506992A true CN107506992A (en) | 2017-12-22 |
Family
ID=60693914
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710750562.1A Pending CN107506992A (en) | 2017-08-28 | 2017-08-28 | Method of payment and payment mechanism, computer installation and computer-readable recording medium |
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| Country | Link |
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| CN (1) | CN107506992A (en) |
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| CN108171506A (en) * | 2017-12-27 | 2018-06-15 | 珠海市魅族科技有限公司 | A kind of method of mobile payment and terminal, electronic equipment and readable storage medium storing program for executing |
| CN108288154A (en) * | 2018-01-09 | 2018-07-17 | 维沃移动通信有限公司 | A kind of startup method, device and mobile terminal of payment application |
| CN108960816A (en) * | 2018-07-03 | 2018-12-07 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN110458550A (en) * | 2019-08-21 | 2019-11-15 | 深圳市沃特沃德股份有限公司 | Method of payment, device, terminal and storage medium |
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