CN109255617A - Intelligent payment method, mobile terminal and computer-readable storage media - Google Patents
Intelligent payment method, mobile terminal and computer-readable storage media Download PDFInfo
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- CN109255617A CN109255617A CN201810962074.1A CN201810962074A CN109255617A CN 109255617 A CN109255617 A CN 109255617A CN 201810962074 A CN201810962074 A CN 201810962074A CN 109255617 A CN109255617 A CN 109255617A
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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
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The present invention provides a kind of intelligent payment methods, mobile terminal and computer-readable storage media, by the fisrt feature information for obtaining user's input, whether matched with preset second feature information by identification fisrt feature information, achieve the effect that verifying and confirms user, it effectively prevents other people and arbitrarily starts the effect of payment function, to guarantee that the user account amount of money will not be stolen brush by other people, it must be that the characteristic information of user oneself could start payment function, if matching, user is then allowed to carry out payment transaction, to allow user to complete the operation of payment amount, promote the guarantee to user's property.
Description
Technical field
The present invention relates to field of mobile terminals, in particular to a kind of intelligent payment method, mobile terminal and computer can
Read storage medium.
Background technique
Present terminal payment function is to be commonly utilized in people's lives, but there is also many for terminal payment function
The drawbacks of, the amount of money for often having article report to be stored in terminal is stolen, in addition, terminal instantly pays in order to more convenient,
Meeting and bank card binding, and the unlocking cipher of mobile terminal is matched with payment function and people are when paying, and is only needed
Input unlocking fingerprint can be completed to pay, and thus infer, this means of payment is unsafe, such as: user allows child
Unlock mobile terminal can arbitrarily start since existing starting payment function is unrestricted, the only setting payment in payment
Password is defined payment, and child starts because playing game supplements payment with money, leads to user's property loss, is instantly urgently to be solved
Technology drawback also results in further more, other people can also operate the information such as the fingerprint of mobile terminal input user when user falls asleep
Starting payment, leads to property loss.
Summary of the invention
The purpose of the present invention aim to solve the problem that instantly arbitrarily starting payment function the problem of, and solve the user terminal amount of money it is easy
In steal brush by other people the problem of, and provide a kind of intelligent payment method, mobile terminal and computer-readable storage media.
To achieve the above object, the invention provides the following technical scheme:
The present invention provides a kind of intelligent payment method, comprising:
The payment enabled instruction for whether receiving starting payment function monitored；
If so, obtaining the fisrt feature information of user's input；
Identify whether the fisrt feature information matches with preset second feature information；
If matching, allows user to start the payment function and carry out payment transaction.
Further, before the step of fisrt feature information for obtaining user's input, comprising:
Identify that the origin classification of the payment enabled instruction, the origin classification include shopping payment, payment by the transfer of accounts, life
Any one of payment and game payment；
Call payment rule corresponding with the origin classification；
User is reminded to input the corresponding fisrt feature information according to the payment rule.
Further, the step of whether the identification fisrt feature information matches with preset second feature information
Before, comprising:
Detect the information category of the fisrt feature information；
Verify whether the information category matches with the payment rule；
If matching, identification instruction is generated, the identification instruction is for starting the fisrt feature information and described second
The identification work of characteristic information.
Further, the step whether the identification fisrt feature information matches with preset second feature information
Suddenly, comprising:
The fisrt feature information and the corresponding fisrt feature content of the second feature information and are extracted respectively
Two features；
Judge whether the fisrt feature content and the similarity of the second feature content reach preset threshold；
If so, determining that the fisrt feature information matches with preset second feature information, otherwise mismatch.
Further, the permission user starts the step of payment function carries out payment transaction, comprising:
Pop-up payment input field is to receive the amount of money numerical value that user inputs in the payment input field；
Generate payment information corresponding with the amount of money numerical value；
The payment information is sent to default terminal.
Further, the pop-up payment input field is to receive the amount of money numerical value that user inputs in the payment input field
The step of after, comprising:
Judge whether the amount of money numerical value is more than preset cost amount；
If being more than preset cost amount, request to generate the payment information.
Further, after described the step of sending the payment information to default terminal, comprising:
Receive the feedback information that the default terminal issues；
Password confirming column is generated according to the feedback information, and receives the password that user inputs to the password confirming column；
Judge whether the password is consistent with preset password；
If consistent, confirmation message is sent to the default terminal.
Further, after the step of transmission confirmation message to default terminal, comprising:
Obtain the payment cipher of user's input；
Whether consistent with preset expenditure password verify the payment cipher；
If consistent, the corresponding amount of money of amount of money numerical value described in Zhi Fuyu.
The present invention also provides a kind of mobile terminal, including memory and processor, computer is stored in the memory
The step of program, the processor realizes above-mentioned intelligent payment method when executing the computer program.
The present invention also provides a kind of computer readable storage mediums, are stored thereon with computer program, which is characterized in that institute
State the step of realizing above-mentioned intelligent payment method when computer program is executed by processor.
The present invention provides a kind of intelligent payment method, mobile terminal and computer-readable storage medias, have following
The utility model has the advantages that
Obtain user input fisrt feature information, by identification fisrt feature information whether with preset second feature believe
Manner of breathing matching, achievees the effect that verifying and confirms user, effectively prevent other people and arbitrarily start the effect of payment function, to protect
The card user account amount of money will not be stolen brush by other people, it is necessary to it is that the characteristic information of user oneself could start payment function, if
Matching then allows user to carry out payment transaction, to allow user to complete the operation of payment amount, promotes the guarantee to user's property.
Detailed description of the invention
Fig. 1 is the step schematic diagram of intelligent payment method in one embodiment of the invention；
Fig. 2 is the step schematic diagram of intelligent payment method in another embodiment of the present invention；
Fig. 3 is the structural schematic block diagram of the computer equipment of one embodiment of the invention.
The embodiments will be further described with reference to the accompanying drawings for realization, functional characteristics and advantage for the purpose of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiment is only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
His embodiment, shall fall within the protection scope of the present invention.
It is the step schematic diagram of intelligent payment method provided by the present invention with reference to attached drawing 1, comprising:
Whether S1, monitoring receive the payment enabled instruction of starting payment function；
If S2, receiving payment enabled instruction, the fisrt feature information of user's input is obtained；
Whether S3, identification fisrt feature information match with preset second feature information；
If S4, fisrt feature information and second feature information matches, allows user to start payment function and carry out payment industry
Business.
The explanation specifically, the present embodiment reference mobile terminal is made explanations, completes intelligent payment method by mobile terminal
The step of, it is the payment enabled instruction monitored mobile terminal and whether receive starting payment function in the principle of above-mentioned steps S1,
Payment enabled instruction can carry out transfer accounts Deng payment functions for user's active, or and software opens payment function, such as:
User is done shopping using software, opens payment function in software, and whether mobile terminal monitoring, which receives payment starting, refers to
It enables, fisrt feature information is referred in above-mentioned steps S2, it is known that the fisrt feature information is that user is actively defeated to mobile terminal
Enter, fisrt feature information includes face recognition, and the iris recognition of face, voice recognition, fingerprint recognition and specified image are known
Not, wherein face recognition is the face for identifying user, and the iris recognition of face is applied in combination with face recognition, and as verifying is used
The face at family also verifies the iris of user simultaneously, in order to prevent user when sleeping, other people operating handsets and open
The payment function of dynamic user mobile phone simultaneously is completed to pay, only when the iris of the face of user and user verify successful match ability
The process of payment transaction is carried out, fingerprint recognition is the fingerprint for obtaining user and inputting to mobile terminal, to start payment transaction, is specified
Image recognition can be understood as acquisition for mobile terminal and start payment transaction function to specified image information, with mobile terminal
Video camera is cooperated, user by photograph an image obtain image information, judge the image information whether with user's thing
First preset picture matches, if the image information of user's shooting and preset picture match, starts payment transaction function；
Second feature information is referred in above-mentioned steps S3, the second feature information is identical as fisrt feature Meaning of Information, but first
Characteristic information is that user needs to start the characteristic information inputted when payment transaction, and second feature information is user in advance in movement
The preset characteristic information of terminal, the second special medical treatment information is for verifying fisrt feature information；Payment has been referred in above-mentioned steps S4
Business, the payment transaction include that amount of money input and the amount of money pay two steps, wherein amount of money input is user to mobile terminal
In amount of money input field input the amount of money, amount of money payment needs to pay user in the amount of money that amount of money input field inputs
Bright, the present embodiment is that user just starts to verify before inputting the amount of money to amount of money input field, with usual user in amount of money input field
It inputs after the amount of money, the mode for needing just to start when amount paid verifying is different, this kind of mode, which ensures, defines amount of money input field
Opening, improve the amount of money payment safe effect.
In the specific implementation, whether the mobile terminal of monitoring users receives payment enabled instruction, if mobile terminal receives
To payment enabled instruction, then mobile terminal can obtain the fisrt feature information of user's input, need to verify the fisrt feature information,
Therefore whether identification fisrt feature information matches with second feature information, if identification fisrt feature information and second feature information phase
Matching then allows user to carry out payment transaction, to allow user to input the amount of money in the amount of money input field of mobile terminal, finally, completes
The expenditure of the amount of money.
It is the step schematic diagram of the intelligent payment method of another embodiment of the present invention, according to acquisition user with reference to attached drawing 2
Before the step S1 of the fisrt feature information of input, comprising:
S11, identification pay the origin classification of enabled instruction, and origin classification includes shopping payment, payment by the transfer of accounts, life payment
And any one of game payment；
S12, calling payment rule corresponding with origin classification；
S13, user is reminded to input corresponding fisrt feature information according to payment rule.
Specifically, be originally embodied as before above-mentioned steps S1, as obtain the step of user inputs fisrt feature information it
Before, the purpose of the present embodiment is the classification according to payment amount, and determines the mode of payment；The principle of above-mentioned steps S11 is to move
Dynamic terminal receives payment enabled instruction, it is known that, payment enabled instruction can be what user was actively entered, be also possible to mobile terminal
In software started, mobile terminal receives modes of both starting payments, as receives payment enabled instruction, and be somebody's turn to do
Payment enabled instruction is to start the instruction of the payment function of mobile terminal, identifies the origin classification of the payment enabled instruction, as above
The classification meaning for stating the payment amount referred to is identical, which includes shopping payment, payment by the transfer of accounts, life payment and trip
Play payment, it is known that, shopping payment and game payment are the payments carried out by software in mobile terminal, and payment of living can be with
It is actively paid for user, or the software of mobile terminal is paid, and payment by the transfer of accounts is that the active of user is paid, and identifies the payment
The classification source of enabled instruction determines branch according to the classification source in a manner of determining that user is paid by mobile terminal
The rule paid；The principle of above-mentioned steps S13 is, calls payment rule corresponding with origin classification, this step with for example,
Such as: user carries out transferring accounts for active by mobile terminal, and mobile terminal receives payment enabled instruction, identifies that payment starting refers to
The origin classification of order is payment by the transfer of accounts, if identification is derived as payment by the transfer of accounts, starts face authentication rule, mobile terminal is by testing
The iris of the face and eye that demonstrate,prove user is just carried out with the confirmation for carrying out user when verifying face and the success of eye iris
Payment transaction；The principle of above-mentioned steps S14 is to generate payment feature request according to payment rule, which is to ask
Seek survival into the alert requests that user inputs fisrt feature information, it will be understood that payment rule is to need user defeated to mobile terminal
Enter the eye iris in specified face image and the face, payment feature request can be shown on mobile terminals, to remind use
Family inputs fisrt feature information, which is the eye iris in specified face image and the face.
In the specific implementation, mobile terminal receives user or software need the payment starting of payment transaction to refer to
It enables, identifies the corresponding payment origin classification of the payment enabled instruction, after identification, generate payment corresponding with origin classification
Rule later, generates payment feature according to payment rule and asks so as to allow the payment of mobile terminal to have a variety of verification modes
It asks, by payment feature request to remind user to input fisrt feature information according to payment rule to mobile terminal, by mobile whole
It is reminded at end.
In one embodiment, the step whether to be matched with preset second feature information according to identification fisrt feature information
Before rapid S3, comprising:
S31, the information category for detecting fisrt feature information；
Whether S32, verification information classification match with payment rule；
If S33, information category are matched with payment rule, identification instruction is generated, identification instruction is for starting fisrt feature
The identification work of information and second feature information.
Specifically, the present embodiment is after above-mentioned step S1, and before step S2, the process between step S1 and step S2
Refinement step, the purpose of the present embodiment is verified to information category and verification information classification, it should however be clear that the of user's input
The information category of the content of one characteristic information, the content of the second feature information for verifying fisrt feature information are verification information
Classification；The principle of above-mentioned steps S21 is that, because fisrt feature information is what user was inputted by mobile terminal, fisrt feature is believed
The input of breath is the specified information category of user's input after mobile terminal has reminded user according to payment rule, detection the
The information category of one characteristic information, information category can be face recognition, the iris recognition of face, voice recognition, fingerprint recognition,
And specified image recognition；The principle of above-mentioned steps S22 is, verification information classification whether the payment rule phase with mobile terminal
Match, because of payment rule Cataloguing In Source and decision, if payment rule is to remind user to carry out face's knowledge by mobile terminal
Not, user has input facial information, which can be understood as the information category of fisrt feature information, this step judgement letter
Whether corresponding with the mobile terminal prompting payment feature request of user cease classification；The principle of above-mentioned steps S23 is, if user is defeated
When the feature and payment rule of the fisrt feature information entered match, identification instruction is generated, which instructs for starting
Fisrt feature information and second feature information identify work.
In the specific implementation, after getting fisrt feature information, the information category of fisrt feature information, verifying letter are detected
Whether breath classification matches with payment rule, if information category matches with payment rule, generates identification instruction, mobile terminal
The verifying of starting fisrt feature information and second feature information is instructed to identify work by identification.
In one embodiment, the step whether to be matched with preset second feature information according to identification fisrt feature information
Rapid S3, comprising:
S301, fisrt feature information and the corresponding fisrt feature content of second feature information and the second spy are extracted respectively
Levy content；
S302, judge whether the similarity of fisrt feature content and second feature content reaches preset threshold；
If the similarity of S303, fisrt feature content and second feature content reaches preset threshold, fisrt feature is determined
Information matches with preset second feature information, otherwise mismatches.
Specifically, the present embodiment is the refinement step of above-mentioned steps S2, the purpose of work of the present embodiment is that verifying first is special
The step of whether reference breath matches with second feature information, it can be seen from the above, identifying fisrt feature information in step S21
The principle of information category, this step S301 is to extract user into the fisrt feature for the fisrt feature information that mobile terminal inputs
Hold, and extract the mobile terminal corresponding second feature content of preset second feature information in advance, in step s 302, judges the
Whether the similarity of one feature and second feature content reaches preset threshold, in step S303, if fisrt feature content
It is more than preset threshold with second feature content similarity, then determines fisrt feature information and preset second feature information phase
Match, otherwise mismatch, the verifying feature of second feature information is extracted according to the feature of fisrt feature information, verifies
Feature is corresponding with feature, if feature is the facial information that user inputs to mobile terminal, therefore verifies feature
Content is mobile terminal preset face image in advance, and the feature and second of starting fisrt feature information is instructed according to identification
The verifying of the verifying feature of characteristic information identifies work.
In the specific implementation, when verification information classification is matched with payment feature request, identification instruction is generated, is referred to by identification
The verifying identification process of starting fisrt feature information and second feature information is enabled, identifies the information category of fisrt feature information, and
The verification information classification that second feature information is got according to information category passes through identification information classification and verification information classification phase
When matching, and carry out the operation of starting payment transaction.
In one embodiment, according to the step S4 for allowing user to start payment function progress payment transaction, comprising:
S401, pop-up payment input field are to receive the amount of money numerical value that user inputs in payment input field；
S402, generation payment information corresponding with amount of money numerical value；
S403, payment information is sent to default terminal.
Specifically.The present embodiment is the refinement step of above-mentioned steps S4, and the purpose of the present embodiment is that monitoring user is mobile eventually
The principle of the payout status at end, above-mentioned steps S401 is, when verifying fisrt feature information and second feature information matches, then
User can be allowed to carry out business payment, by explaining in above-mentioned steps S4, payment transaction includes amount of money input and amount of money payment
Two steps because fisrt feature information matches with second feature, therefore allow user to carry out the process of amount of money input, are this step
The principle of rapid S401 inputs the amount of money in the payment input field for allowing user to show on mobile terminals, and obtains user and paying
The amount of money numerical value inputted in input field, to identify the numerical value that user specifically needs to pay；Above-mentioned steps S402 and S403 phase
Combination, in order to reach the amount of money payment process of the mobile terminal of monitoring user, as generate corresponding with amount of money numerical value
Payment information, which includes the amount of money size that user inputs to mobile terminal, other people user accounts transferred accounts, shopping
Article and water power expense etc., and the payment information is sent to default terminal, the default terminal can for mobile phone, computer,
Wrist-watch etc. refers in life to realize the payment process of default terminal monitoring customer mobile terminal, when husband needs to buy
Next electronic product generates payment information, sends the payment information extremely after the amount of money that husband inputs in payment input field
Default terminal, default terminal can be the terminal of wife, reach mobile terminal monitored the payment of husband's mobile terminal of wife
Function.
In the specific implementation, when fisrt feature information and second feature Information Authentication success, then allow user in movement
The amount of money is inputted in the payment input field of terminal, and obtains amount of money numerical value of the user in payment input field, according to the amount of money numerical value
Payment information is generated, sends the payment information to default terminal, so that default terminal be allowed to recognize the mobile terminal of active user
Carrying out delivery operation.
In one embodiment, according to pop-up payment input field to receive the gold that user inputs in the payment input field
After the step S401 of specified number value, comprising:
S404, judge whether amount of money numerical value is more than preset cost amount；
If S405, judging that amount of money numerical value is more than preset cost amount, request to generate the payment information.
Specifically, process step of the present embodiment between above-mentioned steps S401 and step S402, the purpose of the present embodiment
It is whether the amount of money of expenditure needed in order to verify customer mobile terminal reaches the preset amount of money, it will be understood that propped up needed for user
The amount of money out is larger, then needs to remind default terminal, and the amount of money of the expenditure needed for user is smaller, then without reminding default terminal,
Embodiment is that the corresponding preset cost classification of identification amount of money numerical value, preset cost classification includes aliquot amount of money value and one large gold
Volume value, as when amount of money numerical value meets or exceeds preset amount of money value, preset cost classification is one large amount of money value, when amount of money number
Value is the aliquot amount of money value when being less than preset amount of money value；The principle of above-mentioned steps S405 is, when the amount of money numerical value of identification is one large
It when amount of money value, then requests to generate amount information, to request mobile terminal to generate amount information, be informed by amount information default whole
End, the mobile terminal of active user are paying biggish amount of money numerical value, in addition, when the amount of money numerical value of identification is the aliquot amount of money
Value will not then request to generate amount information, will not bother default terminal.
In the specific implementation, when user inserts designated amounts in the amount of money input field of mobile terminal, and it is raw according to the amount of money
After amount of money numerical value, the corresponding amount of money classification of the amount of money numerical value is identified, if identification amount of money numerical value is one large amount of money value, request is used
The mobile terminal at family generates amount information, and amount information is sent to default terminal, and default terminal is allowed to recognize active user
Mobile terminal just in amount paid, if identification amount of money numerical value is aliquot amount of money value, the mobile terminal of user, which will not ask, seeks survival
At amount information.
In one embodiment, after according to transmission payment information to the step 404 of default terminal, comprising:
Step S406, the feedback information that default terminal issues is received；
Step S407, password confirming column is generated according to feedback information, and receives the password that user inputs to password confirming column；
Step S408, judge whether password is consistent with preset password；
If step S409, judging that password is consistent with preset password, confirmation message is sent to default terminal.
Specifically, the step of the present embodiment is after above-mentioned steps S404, the purpose of the present embodiment is that default terminal receives
To after amount information, confirm the mobile terminal amount paid of user, with in life, when needing to pay a biggish amount of money
When, the consistent of both sides' opinion is obtained through this embodiment, and the principle of above-mentioned steps S406 is, when the mobile terminal of user needs
When paying one large amount of money value, amount information is sent to default terminal, receives the feedback information that default terminal issues, to allow user
Solve use default terminal people whether consenting user carry out the amount of money expenditure, the principle of above-mentioned steps S407 is mobile terminal
After receiving feedback information, password confirming column is generated according to feedback information, which is the sheet for being confirmed whether it is user
What people was operated, it can be discussed in advance by the user of user and default terminal and obtain preset password, receive user Xiang Yi
The password of the password confirming column input of dynamic terminal pop-up, above-mentioned steps S408 are to judge whether password is identical as preset password,
To be used to verify whether further to improve the safety of mobile terminal expenditure using mobile terminal for user, on
Stating step S409 principle is, if the password that user inputs to Password Input column is consistent with preset password, to send confirmation message
To default terminal, so that the user of default terminal can trust, in another embodiment, when the password of input and default
When password is inconsistent, the mobile terminal of user directly exits the process of payment function.
In the specific implementation, after amount information is sent to default terminal, the feedback information that default terminal issues is received, is used
The mobile terminal at family, which receives, generates password confirming column after feedback information, with allow user input on password confirming column user in advance
If the password that the user of terminal presets in advance, therefore the password that user inputs to Password Input column is received, judges that the password is
It is no consistent with preset password, if the password is consistent with preset password, confirmation message is sent to default terminal, with further really
The user for recognizing currently used mobile terminal is user.
In one embodiment, after according to transmission confirmation message to the step S409 of default terminal, comprising:
S410, the payment cipher for obtaining user's input；
Whether S411, validation of payment password are consistent with preset expenditure password；
If S412, payment cipher are consistent with expenditure password, the corresponding amount of money of Zhi Fuyu amount of money numerical value.
Specifically, the present embodiment is the subsequent step after above-mentioned steps S409, the purpose of the present embodiment is to complete payment
The process of the payment of the amount of money included by business, the principle of above-mentioned steps S410 is, after sending confirmation message to default terminal, directly
Starting payment function is connect, user can pay by fingerprint, and the mode of face's payment and iris payment completes the mistake of payment function
Journey obtains the payment cipher of user's input, it will be understood that payment cipher includes fingerprint payment, and face's payment and iris payment are appointed
One, the principle of above-mentioned steps S11 be verify user input payment cipher it is whether correct, it will be understood that as verifying fingerprint
Payment, any one of face's payment and iris payment, above-mentioned steps S412 principle are, when fingerprint payment, face's payment and rainbow
After any one of film payment is verified correctly, then mobile terminal is allowed to pay the amount of money corresponding with amount of money numerical value, finally, completed
Whole payment process.
Referring to Fig. 3, a kind of computer equipment is also provided in the embodiment of the present application, which can be server,
Its internal structure can be as shown in Figure 3.The computer equipment includes processor, the memory, network connected by system bus
Interface and database.Wherein, the processor of the Computer Design is for providing calculating and control ability.The computer equipment is deposited
Reservoir includes non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program
And database.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.
The database of the computer equipment is for storing the data such as test data table.The network interface of the computer equipment is used for and outside
Terminal by network connection communication.A kind of processing side of test data table is realized when the computer program is executed by processor
Method.
Above-mentioned processor executes the step of processing method of above-mentioned test data table:
The payment enabled instruction for whether receiving starting payment function monitored；
If receiving payment enabled instruction, the fisrt feature information of user's input is obtained；
Whether identification fisrt feature information matches with preset second feature information；
If fisrt feature information and second feature information matches, allows user to start payment function and carry out payment transaction.
It will be understood by those skilled in the art that structure shown in Fig. 3, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme.
One embodiment of the application also provides a kind of computer readable storage medium, is stored thereon with computer program, calculates
Machine program realizes a kind of intelligent payment method when being executed by processor, specifically:
The payment enabled instruction for whether receiving starting payment function monitored；
If receiving payment enabled instruction, the fisrt feature information of user's input is obtained；
Whether identification fisrt feature information matches with preset second feature information；
If fisrt feature information and second feature information matches, allows user to start payment function and carry out payment transaction.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
A variety of variations, modification, replacement can be carried out to these embodiments without departing from the principles and spirit of the present invention by understanding
And modification, the scope of the present invention is defined by the appended.
Claims (10)
1. a kind of intelligent payment method characterized by comprising
The payment enabled instruction for whether receiving starting payment function monitored；
If so, obtaining the fisrt feature information of user's input；
Identify whether the fisrt feature information matches with preset second feature information；
If matching, allows user to start the payment function and carry out payment transaction.
2. intelligent payment method according to claim 1, which is characterized in that the fisrt feature letter for obtaining user's input
Before the step of breath, comprising:
Identify that the origin classification of the payment enabled instruction, the origin classification include shopping payment, payment by the transfer of accounts, life payment
And any one of game payment；
Call payment rule corresponding with the origin classification；
User is reminded to input the corresponding fisrt feature information according to the payment rule.
3. intelligent payment method according to claim 1, which is characterized in that whether the identification fisrt feature information
Before the step of matching with preset second feature information, comprising:
Detect the information category of the fisrt feature information；
Verify whether the information category matches with the payment rule；
If matching, identification instruction is generated, the identification instruction is for starting the fisrt feature information and the second feature
The identification work of information.
4. intelligent payment method according to claim 3, which is characterized in that whether the identification fisrt feature information
The step of matching with preset second feature information, comprising:
The fisrt feature information and the corresponding fisrt feature content of the second feature information and the second spy are extracted respectively
Levy content；
Judge whether the fisrt feature content and the similarity of the second feature content reach preset threshold；
If so, determining that the fisrt feature information matches with preset second feature information, otherwise mismatch.
5. intelligent payment method according to claim 1, which is characterized in that the permission user starts the payment function
The step of carrying out payment transaction, comprising:
Pop-up payment input field is to receive the amount of money numerical value that user inputs in the payment input field；
Generate payment information corresponding with the amount of money numerical value；
The payment information is sent to default terminal.
6. intelligent payment method according to claim 5, which is characterized in that the pop-up payment input field is to receive user
After the step of amount of money numerical value inputted in the payment input field, comprising:
Judge whether the amount of money numerical value is more than preset cost amount；
If being more than preset cost amount, request to generate the payment information.
7. intelligent payment method according to claim 6, which is characterized in that described to send the payment information to default end
After the step of end, comprising:
Receive the feedback information that the default terminal issues；
Password confirming column is generated according to the feedback information, and receives the password that user inputs to the password confirming column；
Judge whether the password is consistent with preset password；
If consistent, confirmation message is sent to the default terminal.
8. intelligent payment method according to claim 7, which is characterized in that the transmission confirmation message to the default end
After the step of end, comprising:
Obtain the payment cipher of user's input；
Whether consistent with preset expenditure password verify the payment cipher；
If consistent, the corresponding amount of money of amount of money numerical value described in Zhi Fuyu.
9. a kind of mobile terminal, including memory and processor, it is stored with computer program in the memory, feature exists
In the step of processor realizes any one of claims 1 to 8 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any item of the claim 1 to 8 is realized when being executed by processor.
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| CN201810962074.1A CN109255617A (en) | 2018-08-22 | 2018-08-22 | Intelligent payment method, mobile terminal and computer-readable storage media |
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