CN109087109B - Mobile payment confirmation method, device, system and storage medium - Google Patents
Mobile payment confirmation method, device, system and storage medium Download PDFInfo
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- CN109087109B CN109087109B CN201810941574.7A CN201810941574A CN109087109B CN 109087109 B CN109087109 B CN 109087109B CN 201810941574 A CN201810941574 A CN 201810941574A CN 109087109 B CN109087109 B CN 109087109B
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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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- 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
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention discloses a mobile payment confirmation method, a device, a system and a storage medium, which are used for improving the safety and reliability of mobile payment, particularly graphic code payment. A mobile payment method, comprising: receiving a mobile payment request sent by a payment user terminal, wherein the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user collected by the payment user terminal; searching a second mobile payment account identifier corresponding to the first biological characteristic information; if the first payment account identification is inconsistent with the second payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification; sending a mobile payment confirmation request to a corresponding first user terminal, wherein the mobile payment confirmation request carries prompt information of inconsistent mobile payment account information; receiving a command whether to pay or not returned by the first user terminal; and determining whether to allow the payment according to the received instruction.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a mobile payment confirmation method, a device, a system and a storage medium.
Background
Mobile payment, also known as electronic payment, is a way for users to pay for goods or services consumed using their mobile terminals (typically cell phones). The user directly or indirectly sends a payment instruction to a bank financial institution or a third-party payment institution through the mobile device, the Internet or the close-range sensor to generate money payment and fund transfer behaviors, so that the mobile payment function is realized. The mobile payment integrates terminal equipment, the Internet, an application provider and a financial institution, and provides financial services such as currency payment and payment for a user.
Two-dimensional code payment is a new generation wireless payment scheme based on account system. In the payment mode, a merchant can compile transaction information such as account numbers, commodity prices and the like into a two-dimensional code and release the two-dimensional code, and a payment user can realize payment settlement by scanning the two-dimensional code through a mobile phone client.
Two-dimensional code payment brings payment convenience to users, and meanwhile, some safety risks also exist, for example, two-dimensional code information issued by a merchant is maliciously replaced by an illegal user, if a payment user scans the replaced two-dimensional code information to complete a mobile payment process, the cost paid to the merchant is transferred to an electronic account of the illegal user, and therefore the safety and reliability of mobile payment are reduced.
Disclosure of Invention
The embodiment of the invention provides a mobile payment confirmation method, a device, a system and a storage medium, which are used for improving the safety and reliability of mobile payment, particularly graphic code payment.
In a first aspect, a mobile payment confirmation system is provided, comprising:
the payment user terminal is used for sending a mobile payment request to a network side server, wherein the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user, which is acquired by the payment user terminal;
the server is used for searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information according to the first biological characteristic information; if the first mobile payment account identification is inconsistent with the second mobile payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table; sending a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identification, wherein the mobile payment confirmation request carries prompt information of inconsistent mobile payment account information;
and the first user terminal is used for returning an instruction of whether to allow payment to the server after receiving the mobile payment confirmation request.
Optionally, the mobile payment system provided in the embodiment of the present invention further includes a second user terminal, where:
the second user terminal is used for sending a binding request to the server, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier which are acquired by the second user terminal;
and the server is also used for establishing and storing the binding relationship between the third mobile payment account identifier and the second biological characteristic information.
Optionally, the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
In a second aspect, there is provided another mobile payment confirmation method, including:
receiving a mobile payment request sent by a payment user terminal, wherein the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user acquired by the payment user terminal;
according to the first biological characteristic information, searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information; (ii) a
If the first payment account identification is inconsistent with the second payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table;
sending a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identification, wherein the mobile payment confirmation request carries prompt information of inconsistent mobile payment account information;
receiving a command whether to pay or not returned by the first user terminal aiming at the mobile payment confirmation request;
and determining whether to allow the payment according to the received instruction.
Optionally, before receiving the mobile payment request sent by the payment user terminal, the method further includes:
receiving a binding request sent by a second user terminal, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier collected by the second user terminal;
and establishing and storing a binding relationship between the third mobile payment account identification and the second biological characteristic information.
Optionally, the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
In a third aspect, a mobile payment confirmation apparatus is provided, comprising:
the mobile payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a mobile payment request sent by a payment user terminal, and the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user collected by the payment user terminal;
the first searching unit is used for searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information according to the first biological characteristic information;
a second searching unit, configured to search, if the first payment account identifier is inconsistent with the second payment account identifier, a first user terminal identifier corresponding to the second mobile payment account identifier in a recorded mobile payment account login information table;
a sending unit, configured to send a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identifier, where the mobile payment confirmation request carries prompt information indicating that mobile payment account information is inconsistent;
a second receiving unit, configured to receive an instruction of whether to perform payment, which is returned by the first user terminal in response to the mobile payment confirmation request;
and the mobile payment unit is used for determining whether to allow the payment according to the received instruction.
Optionally, the mobile payment confirmation apparatus provided in the embodiment of the present invention further includes:
the third receiving unit is used for receiving a binding request sent by a second user terminal, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier, which are acquired by the second user terminal;
and the binding unit is used for establishing and storing a binding relationship between the third mobile payment account identifier and the second biological characteristic information.
Optionally, the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
In a fourth aspect, a computing device is provided, comprising at least one processor and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform the steps of any of the mobile payment confirmation methods described above.
In a fifth aspect, there is provided a computer readable storage medium storing a computer program executable by a computing device, the program, when run on the computing device, causing the computing device to perform the steps of any of the mobile payment confirmation methods described above.
In the mobile payment confirmation method, the device, the system and the storage medium provided by the embodiment of the invention, after a server receives a mobile payment request submitted by a payment user, a mobile payment account identifier bound by biological characteristic information is searched according to the biological characteristic information of the paid user carried in the mobile payment request, if the searched mobile payment account identifier is inconsistent with the mobile payment account identifier carried in the mobile payment request, a mobile payment confirmation request is sent to a user terminal logging in a corresponding mobile payment account according to the searched mobile payment account identifier, wherein prompt information with inconsistent mobile payment account information is carried, whether the payment is allowed or not is determined according to a payment instruction returned by the user terminal, so that if the mobile payment account identifier of the paid user is replaced, the mobile payment account identifier of the paid user is detected to be inconsistent with the prestored biological characteristic information so as to refuse the payment, thereby improving the security and reliability of mobile payment.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and not to limit the invention. In the drawings:
FIG. 1 is a schematic diagram of an application scenario according to an embodiment of the present invention;
fig. 2 is a schematic diagram of an implementation flow of establishing a correspondence between a mobile payment account identifier and biometric information according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of an implementation of a mobile payment confirmation method according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a mobile payment confirmation system according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a mobile payment confirmation apparatus according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a computing device according to an embodiment of the invention.
Detailed Description
In order to improve the security and reliability of mobile payment, the embodiment of the invention provides a mobile payment confirmation method, a device, a system and a storage medium.
It should be noted that the user terminal in the present invention may be a Personal Computer (PC), a tablet PC, a Personal Digital Assistant (PDA), a Personal Communication Service (PCs) phone, a notebook, a mobile phone, or a Computer with a mobile terminal, for example, a portable, pocket, hand-held, Computer-embedded or vehicle-mounted mobile device, which can provide voice and/or data connectivity to a user, and exchange voice and/or data with a wireless access network.
Furthermore, the terms "first," "second," "third," and "fourth," etc. in the description and claims of the embodiments of the invention and the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein.
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings of the specification, it being understood that the preferred embodiments described herein are merely for illustrating and explaining the present invention, and are not intended to limit the present invention, and that the embodiments and features of the embodiments in the present invention may be combined with each other without conflict.
Fig. 1 is a schematic view of an application scenario of the mobile payment confirmation method according to the embodiment of the present invention. The paying user 10 and the paid user (i.e. the merchant user) 20 may log in to the server 12 through mobile payment clients installed in the user terminal 11 and the user terminal 21, respectively, wherein the clients may be mobile payment clients installed in the user terminal, such as a mobile phone, a tablet computer, and the like. The user terminal 11 may be a payment user terminal according to an embodiment of the present invention, and the user terminal 21 may be a first user terminal or a second user terminal used by a payment user according to an embodiment of the present invention.
The user terminal 11 and the user terminal 21 are communicatively connected to the server 12 via a network, which may be a local area network, a wide area network, or the like. The user terminal 11 may be a portable device (e.g., a mobile phone, a tablet, a notebook Computer, etc.) or a Personal Computer (PC), and the server 12 may be any device capable of providing a mobile payment service.
The method comprises the steps that a payment user 10 and a paid user 20 respectively obtain user names by registering to a server 12 through a user terminal 11 and a user terminal 21, the server 12 stores the user names and user passwords set by the payment user 10 and the paid user 20 as authentication information after the user successfully registers, when the payment user 10 and the paid user 20 subsequently log in the server 12 again, the server 12 returns a login page to a client, the payment user 10 and the paid user 20 input authentication information (namely the user name and the user password) on the login page displayed by the client and submit the authentication information to the server 12, and the server 12 compares whether the authentication information submitted by the user is consistent with the authentication information stored by the user when the user registers so as to determine whether the user is allowed to log in.
In the embodiment of the invention, in order to ensure the security of mobile payment, for a paid user (namely a merchant user), after the request of the paid user for opening a mobile payment account is successful, the corresponding relation between the biological characteristic information of the paid user and the identification of the opened mobile payment account needs to be bound. The biometric information may be any of the following: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information. In particular, the biometric information referred to in the embodiments of the present invention may be facial image feature information.
Based on this, in the embodiment of the present invention, the corresponding relationship between the mobile payment account identifier and the biometric information may be established according to the following process, as shown in fig. 2, the method may include the following steps:
and S21, the server receives the binding request sent by the second user terminal.
And the binding request carries second biological characteristic information and a third mobile payment account identifier which are acquired by the second user terminal.
In specific implementation, after the mobile payment account opened by the payment user is successfully opened, a binding request can be sent to the server, wherein the binding request carries the mobile payment account identifier opened by the payment user and the biological characteristic information of the payment user, the biological characteristic information can be collected through a second user terminal, and the biological characteristic information can be voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and face image characteristic information of the payment user. In specific implementation, different information can be collected according to the hardware structure characteristics of the second user terminal, for example, facial image characteristic information and iris characteristic information of a paid user can be collected through a camera; the fingerprint feature information of the paid user is collected by the fingerprint collecting device, and the like, which is not limited in the embodiment of the present invention.
And S22, establishing a binding relation between the third mobile payment account identification and the second biological characteristic information and storing the binding relation.
And the server receives and stores the corresponding relation between the mobile payment account identification and the biological characteristic information.
So far, the binding process of the mobile payment account identifier and the biometric information is completed, as shown in table 1, which is a possible data structure schematic of the correspondence between the mobile payment account identifier and the biometric information stored by the server:
TABLE 1
| Registering a user name | Mobile payment account identification | Biometric information |
The mobile payment account identification and the biological characteristic information are in one-to-one correspondence. After the mobile payment account is opened by the payment user, a graphic code can be generated for the opened mobile payment account, the graphic code can be a two-dimensional code, and the payment user can issue the two-dimensional code after obtaining the two-dimensional code, wherein the generated graphic code contains the mobile payment account identifier, and the payment user can pay the payment to the payment user by scanning the graphic code provided by the payment user.
Based on this, an embodiment of the present invention provides a mobile payment confirmation method, as shown in fig. 3, which is a schematic implementation flow diagram of the mobile payment confirmation method provided in the embodiment of the present invention, and the method may include the following steps:
s31, the server receives the mobile payment request sent by the payment user terminal.
The mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user, which is acquired by the payment user terminal. The first mobile payment account identification is obtained by scanning a graphic code issued by a payment user through a payment user terminal.
If the first biological characteristic information is facial image characteristic information or iris characteristic information, in specific implementation, the first user terminal may be a user terminal such as a mobile phone with two cameras, and when one of the cameras is used to scan a graphic code issued by the paid user, the other camera is used to collect facial image characteristic information of the paid user.
And if the first biological characteristic information is fingerprint characteristic information or voiceprint characteristic information, the first user terminal prompts the payment user to input the fingerprint information or input the voiceprint information after scanning the graphic code.
In this way, after the mobile payment account information of the paid user (i.e. the first mobile payment account information in the embodiment of the present invention) and the biometric information of the paid user are obtained, they are carried in the mobile payment request and sent to the server.
The payment user terminal related in the embodiment of the invention is the user terminal used by the payment user.
S32, the server searches a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information according to the first biological characteristic information.
In this step, after receiving the mobile payment request, the server searches, according to the first biometric information carried therein, a second mobile payment account identifier corresponding to the first biometric information in a database table shown in table 2.
S33, if the first payment account identification is not consistent with the second payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table.
The mobile payment account login information table is a correspondence table between the device identifier of the user terminal device logged in the current mobile payment account and the mobile payment account, which is recorded by the server when the user logs in the mobile payment account, and as shown in table 2, the correspondence table is a possible structural schematic of the mobile payment account login information table:
TABLE 2
| User terminal identification | Mobile payment account identification |
| …… | …… |
The first user terminal identifier may be a device identifier of the user terminal device. The device identifier can uniquely identify the corresponding user terminal device in the network, which can be the MAC address of the user terminal device, or can be calculated by using certain calculation rules according to certain characteristic information of the user terminal device, as long as the user terminal device is guaranteed to be unique in the network.
And S34, sending a mobile payment confirmation request to the corresponding first user terminal according to the searched first user terminal identification.
And the mobile payment confirmation request carries prompt information with inconsistent mobile payment account information.
And S35, receiving a payment instruction returned by the first user terminal for the mobile payment confirmation request.
In specific implementation, after the first user terminal receives the mobile payment confirmation request, prompt information with inconsistent mobile payment account information can be displayed through a popup frame or a floating window, and the paid user selects whether to allow payment according to the prompt information displayed by the first user terminal. And the first user terminal returns an instruction of whether to allow payment to the server according to the selection of the paid user.
And S36, determining whether to allow the payment according to the received instruction.
And if the server receives the instruction of not allowing the payment, the server refuses the payment.
In the mobile payment confirmation method provided by the embodiment of the invention, after receiving a mobile payment request submitted by a payment user, a server searches a mobile payment account identifier bound by biological characteristic information according to the biological characteristic information of the user to be paid carried in the mobile payment request, if the searched mobile payment account identifier is inconsistent with the mobile payment account identifier carried in the mobile payment request, the server sends a mobile payment confirmation request to a user terminal logging in a corresponding mobile payment account according to the searched mobile payment account identifier, wherein the mobile payment confirmation request carries prompt information indicating that the mobile payment account information is inconsistent, and determines whether the payment is allowed or not according to a payment instruction returned by the user terminal, so that if the mobile payment account identifier of the user to be paid is replaced, the mobile payment account identifier of the user to be paid is detected to be inconsistent with the pre-stored biological characteristic information so as to refuse the payment, thereby improving the security and reliability of mobile payment.
Based on the same inventive concept, the embodiment of the invention also provides a mobile payment confirmation system and a mobile payment confirmation device, and as the principle of solving the problems of the system and the device is similar to that of the mobile payment confirmation method, the implementation of the mobile payment confirmation method and the mobile payment confirmation device implemented by the server can refer to the implementation of the method, and repeated details are not repeated.
As shown in fig. 4, which is a schematic structural diagram of a mobile payment confirmation system provided in an embodiment of the present invention, the mobile payment confirmation system includes:
the payment user terminal 41 is configured to send a mobile payment request to a network side server, where the mobile payment request carries a first mobile payment account identifier of a paid user and first biometric feature information of the paid user collected by the payment user terminal;
the server 42 is configured to search, according to the first biometric information, a second mobile payment account identifier corresponding to the first biometric information in the established correspondence between the mobile payment account identifier and the user biometric information; if the first mobile payment account identification is inconsistent with the second mobile payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table; sending a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identification, wherein the mobile payment confirmation request carries prompt information of inconsistent mobile payment account information;
the first user terminal 43 is configured to return an instruction whether to allow payment to the server after receiving the mobile payment confirmation request.
Optionally, the mobile payment system provided in the embodiment of the present invention further includes a second user terminal, where:
the second user terminal is used for sending a binding request to the server, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier which are acquired by the second user terminal;
and the server is also used for establishing and storing the binding relationship between the third mobile payment account identifier and the second biological characteristic information.
Optionally, the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
As shown in fig. 5, which is a schematic structural diagram of a mobile payment confirmation apparatus provided in an embodiment of the present invention, the mobile payment confirmation apparatus includes:
the mobile payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a mobile payment request sent by a payment user terminal, and the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user collected by the payment user terminal;
the first searching unit is used for searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information according to the first biological characteristic information;
a second searching unit, configured to search, if the first payment account identifier is inconsistent with the second payment account identifier, a first user terminal identifier corresponding to the second mobile payment account identifier in a recorded mobile payment account login information table;
a sending unit, configured to send a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identifier, where the mobile payment confirmation request carries prompt information indicating that mobile payment account information is inconsistent;
a second receiving unit, configured to receive an instruction of whether to perform payment, which is returned by the first user terminal in response to the mobile payment confirmation request;
and the mobile payment unit is used for determining whether to allow the payment according to the received instruction.
Optionally, the mobile payment confirmation apparatus provided in the embodiment of the present invention further includes:
the third receiving unit is used for receiving a binding request sent by a second user terminal, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier, which are acquired by the second user terminal;
and the binding unit is used for establishing and storing a binding relationship between the third mobile payment account identifier and the second biological characteristic information.
Optionally, the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
For convenience of description, the above parts are separately described as modules (or units) according to functional division. Of course, the functionality of the various modules (or units) may be implemented in the same or in multiple pieces of software or hardware in practicing the invention.
Having described the mobile payment confirmation method and apparatus according to an exemplary embodiment of the present invention, a computing apparatus according to another exemplary embodiment of the present invention is described next.
As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.
In some possible embodiments, a computing device according to the present invention may include at least one processor, and at least one memory. Wherein the memory stores program code which, when executed by the processor, causes the processor to perform the steps of the mobile payment confirmation method according to various exemplary embodiments of the present invention described above in this specification. For example, the processor may execute step S31 shown in fig. 3, where the server receives a mobile payment request sent by a payment user terminal, and step S32, where the server searches, according to the first biometric information, for a second mobile payment account identifier corresponding to the first biometric information in the established correspondence between the mobile payment account identifier and the user biometric information; step S33, if the first payment account identification is not consistent with the second payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table; step S34, sending a mobile payment confirmation request to the corresponding first user terminal according to the searched first user terminal identification; step S35, receiving a payment instruction returned by the first user terminal for the mobile payment confirmation request; and step S36, determining whether to allow the payment according to the received instruction.
The computing device 60 according to this embodiment of the invention is described below with reference to fig. 6. The computing device 60 shown in fig. 6 is only an example and should not impose any limitations on the functionality or scope of use of embodiments of the present invention.
As shown in fig. 6, the computing apparatus 60 is in the form of a general purpose computing device. Components of computing device 60 may include, but are not limited to: the at least one processor 61, the at least one memory 62, and a bus 63 connecting the various system components (including the memory 62 and the processor 61).
The memory 62 may include readable media in the form of volatile memory, such as Random Access Memory (RAM)621 and/or cache memory 622, and may further include Read Only Memory (ROM) 623.
The memory 62 may also include a program/utility 625 having a set (at least one) of program modules 624, such program modules 624 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
In some possible embodiments, the various aspects of the mobile payment confirmation method provided by the present invention may also be implemented as a program product, which includes program code for causing a computer device to execute the steps of the mobile payment confirmation method according to various exemplary embodiments of the present invention described above in this specification when the program product runs on the computer device, for example, the computer device may execute step S31 shown in fig. 3, where the server receives a mobile payment request sent by a payment user terminal, and step S32, where the server searches for a second mobile payment account identifier corresponding to the first biometric information in the established correspondence relationship between the mobile payment account identifier and the user biometric information according to the first biometric information; step S33, if the first payment account identification is not consistent with the second payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table; step S34, sending a mobile payment confirmation request to the corresponding first user terminal according to the searched first user terminal identification; step S35, receiving a payment instruction returned by the first user terminal for the mobile payment confirmation request; and step S36, determining whether to allow the payment according to the received instruction.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The program product for mobile payment validation of embodiments of the present invention may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a computing device. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device over any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., over the internet using an internet service provider).
It should be noted that although several units or sub-units of the apparatus are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functions of two or more of the units described above may be embodied in one unit, according to embodiments of the invention. Conversely, the features and functions of one unit described above may be further divided into embodiments by a plurality of units.
Moreover, while the operations of the method of the invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (8)
1. A mobile payment confirmation system, comprising:
the payment user terminal is used for sending a mobile payment request to a network side server, wherein the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user, which is acquired by the payment user terminal;
the server is used for searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information according to the first biological characteristic information; if the first mobile payment account identification is inconsistent with the second mobile payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table; sending a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identification, wherein the mobile payment confirmation request carries prompt information of inconsistent mobile payment account information;
the first user terminal is used for returning a command of whether to allow payment to the server after receiving the mobile payment confirmation request;
further comprising a second user terminal, wherein: the second user terminal is used for sending a binding request to the server, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier which are acquired by the second user terminal; the server is also used for establishing and storing a binding relationship between the third mobile payment account identifier and the second biological characteristic information;
the first user terminal identification is the MAC address of the first user terminal equipment.
2. The mobile payment confirmation system of claim 1, wherein the first biometric information and the second biometric information include any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
3. A mobile payment confirmation method, comprising:
receiving a mobile payment request sent by a payment user terminal, wherein the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user acquired by the payment user terminal;
according to the first biological characteristic information, searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information;
if the first mobile payment account identification is inconsistent with the second mobile payment account identification, searching a first user terminal identification corresponding to the second mobile payment account identification in a recorded mobile payment account login information table;
sending a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identification, wherein the mobile payment confirmation request carries prompt information of inconsistent mobile payment account information;
receiving a command whether to pay or not returned by the first user terminal aiming at the mobile payment confirmation request;
determining whether to allow the payment according to the received instruction;
before receiving a mobile payment request sent by a payment user terminal, the method further comprises the following steps:
receiving a binding request sent by a second user terminal, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier collected by the second user terminal;
establishing and storing a binding relationship between the third mobile payment account identifier and second biological characteristic information;
the first user terminal identification is the MAC address of the first user terminal equipment.
4. The method of claim 3, wherein the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
5. A mobile payment confirmation apparatus, comprising:
the mobile payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving a mobile payment request sent by a payment user terminal, and the mobile payment request carries a first mobile payment account identifier of a paid user and first biological characteristic information of the paid user collected by the payment user terminal;
the first searching unit is used for searching a second mobile payment account identifier corresponding to the first biological characteristic information in the established corresponding relation between the mobile payment account identifier and the user biological characteristic information according to the first biological characteristic information;
the second searching unit is used for searching a first user terminal identifier corresponding to the second mobile payment account identifier in a recorded mobile payment account login information table if the first mobile payment account identifier is inconsistent with the second mobile payment account identifier;
a sending unit, configured to send a mobile payment confirmation request to a corresponding first user terminal according to the found first user terminal identifier, where the mobile payment confirmation request carries prompt information indicating that mobile payment account information is inconsistent;
a second receiving unit, configured to receive an instruction of whether to perform payment, which is returned by the first user terminal in response to the mobile payment confirmation request;
the mobile payment unit is used for determining whether to allow the payment according to the received instruction;
the third receiving unit is used for receiving a binding request sent by a second user terminal, wherein the binding request carries second biological characteristic information and a third mobile payment account identifier, which are acquired by the second user terminal;
the binding unit is used for establishing and storing a binding relationship between the third mobile payment account identifier and the second biological characteristic information;
the first user terminal identification is the MAC address of the first user terminal equipment.
6. The apparatus of claim 5, wherein the first biometric information and the second biometric information comprise any one of: voiceprint characteristic information, fingerprint characteristic information, iris characteristic information and facial image characteristic information.
7. A computing device comprising at least one processor and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform the steps of the method of claim 3 or 4.
8. A computer-readable storage medium, storing a computer program executable by a computing device, the program, when executed on the computing device, causing the computing device to perform the steps of the method of claim 3 or 4.
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| CN201810941574.7A CN109087109B (en) | 2018-08-17 | 2018-08-17 | Mobile payment confirmation method, device, system and storage medium |
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| CN201810941574.7A CN109087109B (en) | 2018-08-17 | 2018-08-17 | Mobile payment confirmation method, device, system and storage medium |
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| CN109087109B true CN109087109B (en) | 2021-09-21 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111246023A (en) * | 2020-02-24 | 2020-06-05 | 中移（杭州）信息技术有限公司 | Identity recognition method, network communication platform, calling terminal and electronic equipment |
| CN112819454B (en) * | 2021-01-22 | 2023-11-21 | 中国银联股份有限公司 | Payment method, gateway device, server and storage medium |
| CN114971631A (en) * | 2021-02-23 | 2022-08-30 | 西安艾润物联网技术服务有限责任公司 | Electronic money payment method, device and computer storage medium |
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