CN109523266A - A kind of payment authentication method, method of payment, system and electronic equipment - Google Patents
A kind of payment authentication method, method of payment, system and electronic equipment Download PDFInfo
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- CN109523266A CN109523266A CN201811230853.9A CN201811230853A CN109523266A CN 109523266 A CN109523266 A CN 109523266A CN 201811230853 A CN201811230853 A CN 201811230853A CN 109523266 A CN109523266 A CN 109523266A
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- 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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Abstract
This application involves technical field of data processing more particularly to a kind of payment authentication method, method of payment, system and electronic equipments, which comprises obtains the scene information of the current scene where user；According to the scene information, payment authentication mode of the user under current scene is determined, wherein the payment authentication mode includes at least one payment authentication mode；Under the payment authentication mode, based on the biological information of the user, authentication is carried out to the user.Scheme provided by the embodiments of the present application can select suitable payment authentication mode for user, increase payment safety, improve user experience according to the current scene where user.
Description
Technical field
This application involves technical field of data processing more particularly to a kind of payment authentication method, method of payment, system and electricity
Sub- equipment.
Background technique
With the development of society, internet and computer technology is improved day by day, more and more users can utilize electronics
Equipment carries out e-payment.Consequent is the safety problem of e-payment.Currently, most of electronic payment mode is to pass through
The authentication informations such as user password or user fingerprints authenticate the identity of user, can guarantee to a certain extent user into
Safety in row electronic payment process.
However, existing payment authentication does not consider the requirement of the differentiation under different scenes, and such as: in application scenes
Under, user can not provide authentication information by fixed form, bring inconvenience to system and user, reduce user experience.
Summary of the invention
In view of this, the embodiment of the present application provides a kind of payment authentication method, method of payment, system and electronic equipment, it can
To select suitable payment authentication mode for user, increase payment safety, improve user according to the current scene where user
Experience.
Mainly include the following aspects:
In a first aspect, the embodiment of the present application provides a kind of payment authentication method, which comprises
Obtain the scene information of the current scene where user；
According to the scene information, payment authentication mode of the user under current scene is determined, wherein the payment
Certification mode includes at least one payment authentication mode；
Under the payment authentication mode, based on the biological information of the user, identity is carried out to the user and is recognized
Card.
It is optionally, described according to the scene information for the above payment authentication method, determine that the user is working as front court
Payment authentication mode under scape, comprising:
At least one scene characteristic in the scene information is extracted, Fusion Features are carried out to the scene characteristic；And
Mapping relations based on the fusion results Yu payment authentication mode determine the payment authentication mode.
For the above payment authentication method, optionally, the payment authentication mode includes finger print identifying mode, face authentication
One of mode, voiceprint mode, iris authentication mode are a variety of.
It is optionally, described under the payment authentication mode for the above payment authentication method, the life based on the user
Object characteristic information carries out authentication to the user, comprising:
For each the payment authentication mode for including in the payment authentication mode, acquire needed for the payment authentication mode
User biological information, and therefrom extract biological characteristic, determine the user in this kind of branch based on the biological characteristic
Pay the certification score under authentication mode；
Obtained all certification scores are merged, and are based on fusion results, determine the authentication of the user
As a result.
It is optionally, described to determine the user in this kind of branch based on the biological characteristic for the above payment authentication method
Pay the certification score under authentication mode, comprising:
Feature templates of the user under this kind of payment authentication mode in the biological characteristic and property data base are carried out
Characteristic matching；
According to matching result, certification score of the user under this kind of payment authentication mode is determined.
It is optionally, described that obtained all certification scores are merged for the above payment authentication method, and be based on
Fusion results determine the identity authentication result to the user, comprising:
Certification score under every kind of payment authentication mode is normalized, normalization score is obtained；
The normalization score obtained under every kind of payment authentication mode is subjected to score fusion, generates fusion certification score；
If the fusion certification score is in preset threshold range, it is determined that the user identity authentication success；Otherwise,
Determine the user identity authentication failure.
For the above payment authentication method, optionally, determine that model according to the scene information, determines institute by certification mode
State payment authentication mode of the user under current scene；And
The method also includes:
According to history payment authentication as a result, determining that model is trained adjustment to the certification mode.
Second aspect, the embodiment of the present application provides a kind of method of payment, including aforementioned payment authentication method, also, works as
After user progress authentication success, further includes:
Obtain account status information corresponding to the means of payment of user's selection；
If the account status information shows that the user account of the user is in payable state, for the use
Family account provides the payment services of user's request.
The third aspect, the embodiment of the present application provide a kind of payment authentication system, the system comprises: obtain module, really
Cover half block, authentication module；Wherein,
The acquisition module, for obtaining the scene information of the current scene where user；
The determining module, for determining payment authentication of the user under current scene according to the scene information
Mode, wherein the payment authentication mode includes at least one payment authentication mode；
The authentication module is used under the payment authentication mode, based on the biological information of the user, to institute
It states user and carries out authentication.
Fourth aspect, the embodiment of the present application also provides a kind of electronic equipment, comprising: processor, memory and bus, institute
It states memory and is stored with the executable machine readable instructions of the processor, when electronic equipment operation, the processor and institute
It states by bus communication between memory, when the processor executes the machine readable instructions the step of realization preceding method.
5th aspect, the embodiment of the present application also provides a kind of computer readable storage medium, the computer-readable storages
The step of being stored with computer program on medium, preceding method executed when which is run by processor.
Payment authentication scheme provided by the embodiments of the present application, the scene information of the current scene where available user,
Then according to the scene information of current scene, payment authentication mode of the user under current scene is determined, due to payment authentication mould
Formula may include at least one payment authentication mode, and thus the current scene where user is different, work as front court for what user determined
Payment authentication mode under scape can also be different.It, can be based on determining payment authentication mould when carrying out authentication to user
The biological information of user under formula carries out authentication to user, in this way, scene where user can be comprehensively considered because
Element provides suitable payment authentication mode for user, for example, providing for user and recognizing including fingerprint in the scene of dark surrounds
The payment authentication mode of card mode and/or voiceprint mode enhances user's body to increase the safety of payment authentication process
It tests.
To enable the above objects, features, and advantages of the embodiment of the present application to be clearer and more comprehensible, below in conjunction with embodiment, and
Cooperate appended attached drawing, elaborates.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only some embodiments of the application, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 shows a kind of flow chart of payment authentication method provided by the embodiment of the present application；
Fig. 2 shows a kind of flow charts of method of payment provided by the embodiment of the present application；
Fig. 3 shows a kind of specific flow chart of method of payment provided by the embodiment of the present application；
Fig. 4 shows a kind of schematic diagram of payment authentication system provided by the embodiment of the present application；
Fig. 5 shows a kind of schematic diagram of payment system provided by the embodiment of the present application；
Fig. 6 shows the schematic diagram of a kind of electronic equipment provided by the embodiment of the present application；
Fig. 7 shows the schematic diagram of a kind of electronic equipment provided by the embodiment of the present application.
Specific embodiment
To keep the purposes, technical schemes and advantages of the embodiment of the present application clearer, below in conjunction with the embodiment of the present application
In attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only
It is only some embodiments of the present application, instead of all the embodiments.It is not to the detailed description of embodiments herein below
It is intended to limit claimed scope of the present application, but is merely representative of the selected embodiment of the application.Reality based on the application
Apply example, those skilled in the art's every other embodiment obtained without making creative work belongs to
The range of the application protection.
The embodiment of the present application following methods, device, electronic equipment or computer storage medium can be applied to any need
Information carries out the scene of payment authentication or payment, for example, can be applied to payment platform, identity authentication platform etc..The application is real
Example is applied not to be restricted specific application scenarios, it is any to use payment authentication scheme provided by the embodiments of the present application or payer
Case is in the application protection scope.
In the embodiment of the present application, the scene information of the current scene where user available first, then according to current
The scene information of scene determines payment authentication mode of the user under current scene, and under determining payment authentication mode, base
Authentication is carried out to user in the biological information of user.Here, payment authentication mode includes at least one payment authentication mode,
It is different according to the scene where user when carrying out authentication to user, it is included by the payment authentication mode of user setting
Payment authentication mode can also be different, thus during payment authentication, it may be considered that the scene factor where user, for
Family provides suitable payment authentication mode, for example, can pass through finger print identifying mode when in the environment that user is in dark
And/or voiceprint mode carries out authentication to user, enhances user experience.Further, since branch corresponding to different scenes
Paying certification mode can be different, and the biological information of user used in each payment authentication process is also different, so as to
A possibility that biological information of reduction user is forged increases the safety during payment authentication.
As shown in Figure 1, the embodiment of the present application provides a kind of payment authentication method, comprising the following steps:
S101 obtains the scene information of the current scene where user.
Here, when the transaction to user carries out payment authentication, the scene letter of the current scene where available user
Breath.Current scene can be user's scene locating when trading, and may include that time, environment, personage and equipment are supported
Etc. many aspects, for example, the current scene where the users such as operative scenario, family life scene, outdoor sport scene.Work as front court
The scene information of scape may include at least one of image information, acoustic information, video information information.
In specific implementation, when being carried on a deal by user terminal, user terminal can acquire where user user
The scene information of current scene, and sent to payment authentication platform and believe the account of the scene information of current scene and user
Breath.The scene information for the current scene that the available user terminal of payment authentication platform is sent and the account information of user.For example, with
Current scene where family is that user terminal can be acquired according to the delivery operation of user works as when the scene of film is watched by cinema
The scene information of preceding scene, and the account information of the scene information of acquisition and user is uploaded to payment authentication platform.
S102 determines payment authentication mode of the user under current scene, wherein institute according to the scene information
Stating payment authentication mode includes at least one payment authentication mode.
It in specific implementation, can be in current scene after the scene information for obtaining the current scene where user
At least one scene characteristic of current scene is extracted in scene information, such as extract the environmental characteristic of current scene, character features, at
Then one or more features in eigen and demand for security feature carry out Fusion Features to the scene characteristic of extraction, obtain
The fusion results of scene characteristic, then based on the mapping relations between fusion results and payment authentication mode, determine under current scene
Payment authentication mode.Here, environmental characteristic may include illumination condition, weather condition (such as rain, snow, strong wind weather), mountain
The features such as river, river, building.Character features may include the facial characteristics of personage, expressive features, shape around user and user
State feature and sound characteristic.Cost feature may include the cost pair corresponding to different scenes between income and payment cost
Than, for example, cost required for user's payment bring income and completion payment (as: access database and comparing institute
Time for needing spends, money is spent etc.) between comparison.Demand for security feature can be to be determined according to the pay content of user
Security level demand, (such as: great number payment) for example, when the payment amount of user is more than the payment threshold value of the first security level,
The security level demand that can determine current scene is the first security level (such as: security level is high).
Here, may be used also when determining payment authentication mode of the user under current scene according to the scene information
To determine model using certification mode trained in advance.Here certification mode determines that model can choose existing neural network
Model can also such as counterpropagation network model, convolutional neural networks model, radial basis function network model as basic training pattern
To establish new cover half type really, it is not intended to limit specific determining model here.
Before use, can be trained based on sample data to model, such as: obtaining sample data from historical data.
When training, the scene information for the sample scene that can be will acquire determines the input of model as certification mode, by sample scene pair
Output of the payment authentication mode answered as model is based on history payment authentication result (such as: garbled-reception rate, false rejection rate)
And/or the feedback (such as: user feedback, user's evaluation) to authentication result, to certification mode determine the model parameter of model into
Row training adjustment.Wherein, garbled-reception rate can be in history payment authentication result should authentification failure authentication result judgement
To authenticate ratio shared by successful authentication result quantity, false rejection rate can be should authenticate in history payment authentication result
Successful authentication result is judged as ratio shared by the authentication result quantity of authentification failure, etc..
Those skilled in the art are appreciated that, can also while determining that model carries out certification mode and determines using certification mode
(such as: authentication result, system response, user feedback, user's evaluation with the feedback of the payment authentication mode based on determined by using
Deng), adjustment is trained to model, i.e., while model uses, adjustment is trained to model.
When determining that model determines payment authentication mode of the user under current scene using certification mode, can will acquire
The scene information input authentication mode of current scene determine model, determine the input results of model as current certification mode
Payment authentication mode under scene, payment authentication mode include at least one payment authentication mode.Here, payment authentication mode can
To include in a manner of finger print identifying, one of face authentication mode, voiceprint mode, iris authentication mode or a variety of.In base
It, can be according to multiple fields when the mapping relations of fusion results and payment authentication mode determine the payment authentication mode of current scene
The mapping relations of fusion results and fusion results and payment authentication mode after scape feature progress Fusion Features, determination are melted
Close the corresponding payment authentication mode of result, it can determine payment authentication mode possessed by payment authentication mode under current scene
Combination.For example, if the current scene where user is to watch the scene of film in cinema, since the light of cinema is more confused
Dark and sound is more noisy, then can be fingerprint payment authentication according to the payment authentication mode that the scene information of current scene determines
The combination of mode, iris authentication mode.
S103, based on the biological information of the user, carries out body to the user under the payment authentication mode
Part certification.
It in specific implementation, can be in determining branch after determining payment authentication mode of the user under current scene
It pays under certification mode, the biological information of the user needed for acquiring under payment authentication mode is then based on the user's of acquisition
Biological information carries out authentication to user.Here, the biological information of user may include finger print information, face letter
One of breath, voiceprint and iris information are a variety of.Identity is carried out to user in the biological information based on user to recognize
When card, which can be acquired for each the payment authentication mode for including in determining payment authentication mode
The biological information of required user, and biological characteristic is extracted in the biological information of acquisition, and the life based on extraction
Object feature determines the certification score under this kind of payment authentication mode.Then to the certification score under determining all authentication modes
It is merged, and determines the identity authentication result of user based on fused fusion results.Such as, however, it is determined that payment authentication mould
Include face authentication mode and vocal print authentication mode in formula, then can acquire the face information and acoustic information of user, and in people
The face characteristic of user is extracted in face information, and the vocal print feature of user is extracted in acoustic information, it then can be according to people
Face feature determines certification score of the user under face authentication mode, and determines user in voiceprint side according to vocal print feature
Certification score under formula.The certification score under face authentication mode is melted with the certification score enthusiasm under voiceprint mode again
It closes, obtains fusion results, the identity authentication result of user is determined according to obtained fusion results, the identity of user is recognized in realization
Card.
It here, can be by life when determining certification score of the user under this kind of payment authentication mode based on biological characteristic
Feature templates of the user under this kind of payment authentication mode carry out characteristic matching in object feature and property data base, then basis
Matching result determines certification score of the user under this kind of payment authentication mode.Specifically such as, if payment authentication mode is recognized for face
Card mode then can obtain the skin detection of the user, and will use according to the account information of user in face database
The face characteristic and skin detection at family carry out characteristic matching, determine user under face authentication mode according to matching result
Authenticate score.
Here, it is merged to obtained all certification scores, and determines that the identity of user is recognized based on fusion results
When demonstrate,proving result, the certification score under every kind of payment authentication mode can be normalized, obtain normalization score, it then will be every
The normalization score obtained under kind payment authentication mode carries out score fusion, generates fusion certification score, if fusion certification
Score is in preset threshold range, it is determined that user identity authentication success, otherwise, it determines user identity authentication fails.
In some embodiments, when the biological information based on user carries out authentication to user, however, it is determined that
It only include a kind of payment authentication mode in payment authentication mode, then it can be true according to the certification score under this kind of payment authentication mode
Determine the identity authentication result of user.Specifically such as, if the certification score under this kind of payment authentication mode is under this kind of authentication mode
In preset threshold range, it is determined that user identity authentication success, otherwise, it determines the user identity authentication fails.
By payment authentication scheme provided by the embodiments of the present application, can be believed according to the scene of the current scene where user
Breath, determines the payment authentication mode under current scene, so as to utilize user's corresponding with determining payment authentication mode
Biological information carries out authentication to user.The payment authentication mode as corresponding to different scenes can be different, every time
The biological information of user used in payment authentication process is also different, so as to reduce the biological information quilt of user
A possibility that forgery, increases the safety during payment authentication, enhances user experience.
As shown in Fig. 2, the embodiment of the present application also provides one kind in conjunction with payment authentication method provided by the embodiments of the present application
Method of payment, after carrying out authentication success to user using above-mentioned payment authentication method, which includes:
S201 obtains account status information corresponding to the means of payment of user's selection.
In specific implementation, it can use above-mentioned payment authentication method and authentication carried out to user.Specifically authenticated
Journey is identical to user's progress process of authentication with above-mentioned payment authentication method, and details are not described herein.If to the body of user
Part authenticate successfully, then the means of payment that the user that can be carried in the payment request according to user terminal transmission selects, such as Internetbank, micro-
The means of payment that some operators for possessing obligation authority such as letter, Alipay provide, and it is true according to the means of payment that user selects
Account status information corresponding to the fixed means of payment.Here, account status information may include payable state
With can not pay status.
S202, if the account status information shows that the user account of the user is in payable state, for
The user account provides the payment services of user's request.
In specific implementation, if the user state information obtained shows that the user account of user is currently at payable shape
State, the i.e. user account of user are in non-frozen state, and the payment limit of user account is greater than or equal to and needs payment amount
In the case where, according to the payment request that user terminal is submitted, the payment services of request are provided for user.
Method of payment provided by the above embodiment can be based on first under the payment authentication mode of determining current scene
The biological information of user carries out authentication to user, then after user identity authentication success, if the user account of user
In payable state, then user's payment services of request are provided for user account.It, can be in this way, in user's payment process
Consider the scene factor where user, provides suitable payment authentication mode for user, enhance user experience.Further, since not
Can be different with payment authentication mode corresponding to scene, so as to increase the safety during payment authentication.
In conjunction with above-mentioned payment authentication method and method of payment, the embodiment of the present application provides a kind of specific stream of method of payment
Journey, as shown in Figure 3, comprising:
S301 receives the payment request that user terminal is sent.
Here, payment platform can receive the payment request of user terminal transmission, draw the account that user can be carried in request
Number information, pay content and the means of payment.
S302, payment request, obtains the scene information of the current scene where user based on the received.
In specific implementation, payment platform can be sent after receiving the payment request that user terminal is sent to user terminal
Obtain the instruction of the scene information of current scene.User terminal can be according to the instruction for the scene information for obtaining current scene, acquisition
The scene information of current scene where user, and the scene information acquired is sent to payment platform.Here, the field of current scene
Scape information may include at least one of image information, acoustic information, video information information.Payment platform receives user terminal hair
The scene information for the current scene sent.
S303 determines payment authentication mode of the user under current scene according to the scene information of current scene.
In specific implementation, payment platform can work as after the scene information for obtaining the current scene where user
At least one scene characteristic that current scene is extracted in the scene information of preceding scene, then carries out feature to the scene characteristic of extraction
Fusion obtains the fusion results of scene characteristic, then based on the mapping relations between fusion results and payment authentication mode, determination is worked as
Payment authentication mode under preceding scene.
It here,, can be with when determining payment authentication mode of the user under current scene according to the scene information
Model is determined using certification mode trained in advance.It specifically, can be by the scene information input authentication of the current scene of acquisition
Mode determines model, determines the input results of model as the payment authentication mode under current scene certification mode.
S304 acquires the payment authentication mode institute for each the payment authentication mode for including in payment authentication mode
The biological information of the user needed, and biological characteristic is therefrom extracted, determine user in this kind of payment authentication based on biological characteristic
Certification score under mode.
In specific implementation, payment platform, can be with needle after determining payment authentication mode of the user under current scene
To each payment authentication mode included in payment authentication mode, acquired needed for the payment authentication mode by user terminal
The biological information of user.Here payment authentication mode may include that finger print identifying mode, face authentication mode, vocal print are recognized
One of card mode, iris authentication mode are a variety of.Correspondingly, the biological information of user needed for payment authentication mode
Including one of finger print information, face information, voiceprint and iris information or a variety of.Such as, however, it is determined that payment authentication
Include face authentication mode and vocal print authentication mode in mode, then can acquire the face information and acoustic information of user.It is adopting
After the biological information of user needed for collecting the payment authentication mode, use can be extracted in the biological information of acquisition
The biological characteristic at family such as extracts fingerprint characteristic, face feature, vocal print feature or the iris feature of user, and by the biology of extraction
Feature templates of the user under this kind of payment authentication mode carry out characteristic matching in feature and property data base, then basis
With as a result, determining certification score of the user under this kind of payment authentication mode.
S305 merges obtained all certification scores, generates fusion certification score.
In specific implementation, determining that user, can be by every kind after the certification score under every kind of payment authentication mode
Certification score under payment authentication mode is normalized, and obtains normalization score.Then it will be obtained under every kind of payment authentication mode
The normalization score arrived carries out score fusion, generates fusion certification score.
Whether S306 judges fusion certification score in the preset threshold range corresponding to the payment authentication mode.
Here, after generating fusion certification score, fusion can be authenticated into score and determining payment authentication mode institute
Corresponding preset threshold range is compared, and judges whether the identity of user is legal.
S307, if fusion certification score is more than preset threshold range, it is determined that the user identity authentication failure, Xiang Yong
The user terminal at family returns to authentication failure information.
Here, if fusion certification score is more than preset threshold range, it is determined that user identity authentication failure, then it can be to
The user terminal of user returns to authentication failure information, terminates current payment flow.
S308, if fusion certification score is in preset threshold range, it is determined that the user identity authentication success then obtains
Take account status information corresponding to the means of payment of user's selection.
Here, if fusion certification score is in preset threshold range, it is determined that user identity authentication success shows the use
The identity at family is legal, after determining user identity authentication success, use corresponding to the means of payment of available user's selection
Family account status information.Here account status information may include payable state and can not pay status.
S309, if the account status information shows that the user account of the user is in payable state, for
The user account provides the payment services of user's request.
In specific implementation, if the user state information obtained shows that the user account of user is currently at payable shape
State, the i.e. user account of user are in non-frozen state, and the payment limit of user account is greater than or equal to and needs payment amount
In the case where, according to the payment request that user terminal is submitted, the payment services of request are provided for user.
S310, if account status information show the user account of user be in can not pay status, for user
User terminal return payment failure information.
In specific implementation, if the user state information obtained shows that the user account of user is currently at not payable shape
The user account of state, i.e. user may be at frozen state, alternatively, the payment limit of user account, which is less than, needs payment amount,
Payment failure information can be then returned to the user terminal of user.
By method of payment provided by the embodiments of the present application, the field where user can be considered in user's payment process
Scape factor provides suitable payment authentication mode for user, enhances user experience.Further, since branch corresponding to different scenes
Paying certification mode can be different, so as to increase the safety during payment authentication.
The embodiment of the present application also provides a kind of payment authentication system 40, the system 40 includes: to obtain module 41, determine
Module 42 and authentication module 43.
The acquisition module 41, for obtaining the scene information of the current scene where user；
The determining module 42, for determining that payment of the user under current scene is recognized according to the scene information
Card mode, wherein the payment authentication mode includes at least one payment authentication mode；
The authentication module 43 is used under the payment authentication mode, right based on the biological information of the user
The user carries out authentication.
In specific implementation, the determining module 42, specifically for determining that the user is working as front court according to following steps
Payment authentication mode under scape:
At least one scene characteristic in the scene information is extracted, Fusion Features are carried out to the scene characteristic；And
Mapping relations based on the fusion results Yu payment authentication mode determine the payment authentication mode.
In specific implementation, the payment authentication mode includes finger print identifying mode, face authentication mode, voiceprint side
One of formula, iris authentication mode are a variety of.
In specific implementation, the authentication module 43 is recognized specifically for carrying out identity to the user according to following steps
Card:
For each the payment authentication mode for including in the payment authentication mode, acquire needed for the payment authentication mode
User biological information, and therefrom extract biological characteristic, determine the user in this kind of branch based on the biological characteristic
Pay the certification score under authentication mode；
Obtained all certification scores are merged, and are based on fusion results, determine the authentication of the user
As a result.
In specific implementation, the authentication module 43, specifically for determining the user in this kind of branch according to following steps
Pay the certification score under authentication mode:
Feature templates of the user under this kind of payment authentication mode in the biological characteristic and property data base are carried out
Characteristic matching；
According to matching result, certification score of the user under this kind of payment authentication mode is determined.
In specific implementation, the authentication module 43 is specifically used for according to following steps to obtained all certifications point
Number is merged, and is based on fusion results, determines the identity authentication result to the user:
Certification score under every kind of payment authentication mode is normalized, normalization score is obtained；
The normalization score obtained under every kind of payment authentication mode is subjected to score fusion, generates fusion certification score；
If the fusion certification score is in preset threshold range, it is determined that the user identity authentication success；Otherwise,
Determine the user identity authentication failure.
In specific implementation, the determining module 42, specifically for determining model according to the scene using certification mode
Information determines payment authentication mode of the user under current scene；
The system 40 further includes adjusting module 44, is used for according to history payment authentication as a result, true to the certification mode
Cover half type is trained adjustment.
The embodiment of the present application also provides a kind of payment systems 50, include above-mentioned payment authentication system 40, and, when to institute
After stating user's progress authentication success, the system 50 further include: obtain module 51 and service module 52.
The acquisition module 51, for obtaining account status letter corresponding to the means of payment of user's selection
Breath；
The service module 52, if for the account status information show the user user account be in can
Pay status then provides the payment services of user's request for the user account.
The structure of a kind of electronic equipment 60 provided by the embodiment of the present application is as shown in Figure 6, comprising: processor 61, storage
Device 62 and bus 63；
The machine readable instructions that the memory storage 62 has the processor 61 executable are (for example, the acquisition mould in Fig. 4
Block 41, determining module 42 and authentication module 43 is corresponding executes instruction), when electronic equipment operation, the processor 61 and institute
It states and is communicated between memory 62 by bus 63, the processor 61 executes following processing when reading the machine readable instructions:
Obtain the scene information of the current scene where user；
According to the scene information, payment authentication mode of the user under current scene is determined, wherein the payment
Certification mode includes at least one payment authentication mode；
Under the payment authentication mode, based on the biological information of the user, identity is carried out to the user and is recognized
Card.
In specific implementation, described according to the scene information in the processing that above-mentioned processor 61 executes, determine the use
Payment authentication mode of the family under current scene, comprising:
At least one scene characteristic in the scene information is extracted, Fusion Features are carried out to the scene characteristic；And
Mapping relations based on the fusion results Yu payment authentication mode determine the payment authentication mode.
In specific implementation, in the processing that above-mentioned processor 61 executes, the payment authentication mode includes finger print identifying side
One of formula, face authentication mode, voiceprint mode, iris authentication mode are a variety of.
In specific implementation, described under the payment authentication mode in the processing that above-mentioned processor 61 executes, it is based on institute
The biological information for stating user carries out authentication to the user, comprising:
For each the payment authentication mode for including in the payment authentication mode, acquire needed for the payment authentication mode
User biological information, and therefrom extract biological characteristic, determine the user in this kind of branch based on the biological characteristic
Pay the certification score under authentication mode；
Obtained all certification scores are merged, and are based on fusion results, determine the authentication of the user
As a result.
In specific implementation, described that the use is determined based on the biological characteristic in the processing that above-mentioned processor 61 executes
Certification score of the family under this kind of payment authentication mode, comprising:
Feature templates of the user under this kind of payment authentication mode in the biological characteristic and property data base are carried out
Characteristic matching；
According to matching result, certification score of the user under this kind of payment authentication mode is determined.
In specific implementation, described that obtained all certification scores are carried out in the processing that above-mentioned processor 61 executes
Fusion, and fusion results are based on, determine the identity authentication result to the user, comprising:
Certification score under every kind of payment authentication mode is normalized, normalization score is obtained；
The normalization score obtained under every kind of payment authentication mode is subjected to score fusion, generates fusion certification score；
If the fusion certification score is in preset threshold range, it is determined that the user identity authentication success；Otherwise,
Determine the user identity authentication failure.
In specific implementation, in the processing that above-mentioned processor 61 executes, determine model according to the scene by certification mode
Information determines payment authentication mode of the user under current scene；And
The method also includes:
According to history payment authentication as a result, determining that model is trained adjustment to the certification mode.
The structure of a kind of electronic equipment 70 provided by the embodiment of the present application as shown in fig. 7, comprises: processor 71, storage
Device 72 and bus 73；
The machine readable instructions that the memory storage 72 has the processor 71 executable are (for example, the acquisition mould in Fig. 5
Block 51 and service module 52 is corresponding executes instruction), when electronic equipment operation, the processor 71 and the memory 72 it
Between communicated by bus 73, the step of processor 71 executes above-mentioned payment authentication method when reading the machine readable instructions
In addition, after carrying out authentication success to the user, following processing is also executed:
Obtain account status information corresponding to the means of payment of user's selection；
If the account status information shows that the user account of the user is in payable state, for the use
Family account provides the payment services of user's request.
The embodiment of the present application also provides a kind of computer readable storage medium, stored on the computer readable storage medium
Have computer program, the computer program executed when being run by processor the payment authentication method that any of the above-described embodiment provides or
The step of method of payment.
Specifically, which can be general storage medium, such as mobile disk, hard disk, on the storage medium
Computer program when being run, the step of being able to carry out above-mentioned payment authentication method or method of payment, to solve to use at present
The problem of payment experience difference in the payment process of family.
The computer program product of payment authentication method or method of payment provided by the embodiment of the present application, including store
The computer readable storage medium of program code, the instruction that program code includes can be used for executing the side in previous methods embodiment
Method, specific implementation can be found in embodiment of the method, and details are not described herein.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description
It with the specific work process of device, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.
If function is realized in the form of SFU software functional unit and when sold or used as an independent product, can store
In a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially in other words to existing
Having the part for the part or the technical solution that technology contributes can be embodied in the form of software products, the computer
Software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be personal meter
Calculation machine, server or network equipment etc.) execute each embodiment method of the application all or part of the steps.And it is above-mentioned
Storage medium includes: USB flash disk, mobile hard disk, read-only memory (Read-Only Memory, ROM), random access memory
The various media that can store program code such as (Random Access Memory, RAM), magnetic or disk.
More than, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, and it is any to be familiar with
Those skilled in the art within the technical scope of the present application, can easily think of the change or the replacement, and should all cover
Within the protection scope of the application.Therefore, the protection scope of the application should be subject to the protection scope in claims.
Claims (10)
1. a kind of payment authentication method, which is characterized in that the described method includes:
Obtain the scene information of the current scene where user；
According to the scene information, payment authentication mode of the user under current scene is determined, wherein the payment authentication
Mode includes at least one payment authentication mode；
Under the payment authentication mode, based on the biological information of the user, authentication is carried out to the user.
2. determining that the user exists the method according to claim 1, wherein described according to the scene information
Payment authentication mode under current scene, comprising:
At least one scene characteristic in the scene information is extracted, Fusion Features are carried out to the scene characteristic；And
Mapping relations based on the fusion results Yu payment authentication mode determine the payment authentication mode.
3. the method according to claim 1, wherein the payment authentication mode includes finger print identifying mode, people
One of face authentication mode, voiceprint mode, iris authentication mode are a variety of.
4. being based on the use the method according to claim 1, wherein described under the payment authentication mode
The biological information at family carries out authentication to the user, comprising:
For each the payment authentication mode for including in the payment authentication mode, use needed for acquiring the payment authentication mode
The biological information at family, and biological characteristic is therefrom extracted, determine that the user recognizes in this kind payment based on the biological characteristic
Certification score under card mode；
Obtained all certification scores are merged, and are based on fusion results, determine the identity authentication result of the user.
5. according to the method described in claim 4, it is characterized in that, described determine the user at this based on the biological characteristic
Certification score under kind payment authentication mode, comprising:
Feature templates of the user under this kind of payment authentication mode in the biological characteristic and property data base are subjected to feature
Matching；
According to matching result, certification score of the user under this kind of payment authentication mode is determined.
6. according to the method described in claim 4, it is characterized in that, described merge obtained all certification scores,
And fusion results are based on, determine the identity authentication result to the user, comprising:
Certification score under every kind of payment authentication mode is normalized, normalization score is obtained；
The normalization score obtained under every kind of payment authentication mode is subjected to score fusion, generates fusion certification score；
If the fusion certification score is in preset threshold range, it is determined that the user identity authentication success；Otherwise, it determines
The user identity authentication failure.
7. the method according to claim 1, wherein by certification mode determine model according to the scene information,
Determine payment authentication mode of the user under current scene；And
The method also includes:
According to history payment authentication as a result, determining that model is trained adjustment to the certification mode.
8. a kind of method of payment, which is characterized in that it include payment authentication method as claimed in claim 1 to 7, and, when right
The user carries out after authentication success, further includes:
Obtain account status information corresponding to the means of payment of user's selection；
If the account status information shows that the user account of the user is in payable state, for user's account
Family provides the payment services of user's request.
9. a kind of payment authentication system, which is characterized in that the system comprises: obtain module, determining module, authentication module；Its
In,
The acquisition module, for obtaining the scene information of the current scene where user；
The determining module, for determining payment authentication mode of the user under current scene according to the scene information,
Wherein, the payment authentication mode includes at least one payment authentication mode；
The authentication module is used under the payment authentication mode, based on the biological information of the user, to the use
Family carries out authentication.
10. a kind of electronic equipment characterized by comprising processor, memory and bus, the memory are stored with described
The executable machine readable instructions of processor, when electronic equipment operation, by total between the processor and the memory
The step of line communication, the processor realizes the method as any such as claim 1~7 when executing the machine readable instructions,
Alternatively, the step of realizing method as claimed in claim 8.
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Address after: 100070, No. 101-8, building 1, 31, zone 188, South Fourth Ring Road, Beijing, Fengtai District Applicant after: Guoxin Youyi Data Co., Ltd Address before: 100070, No. 188, building 31, headquarters square, South Fourth Ring Road West, Fengtai District, Beijing Applicant before: SIC YOUE DATA Co.,Ltd. |
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Application publication date: 20190326 |