CN113706156A - Consumption data processing method and device - Google Patents
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- 238000013475 authorization Methods 0.000 claims abstract description 62
- 238000012795 verification Methods 0.000 claims abstract description 57
- 238000013507 mapping Methods 0.000 claims abstract description 23
- 238000000034 method Methods 0.000 claims description 49
- 238000012545 processing Methods 0.000 claims description 36
- 238000009825 accumulation Methods 0.000 claims description 18
- 230000001815 facial effect Effects 0.000 claims description 10
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- 230000002093 peripheral effect Effects 0.000 description 2
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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
Abstract
An embodiment of the present specification provides a consumption data processing method, including: after receiving a payment request sent by a payer terminal, a server of the payment system returns a payment page to the payer terminal; receiving a biological characteristic verification result obtained by verifying the biological characteristic input in the payment page by the payment side terminal; and if the verification result is successful, payment is carried out and a payment notice is sent to a server of the payee account system, wherein the payment notice carries payment amount, the biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system. The server of the payee account system receives the payment notice, and judges whether the account of the payer in the payee account system exists or not according to the mapping relation between the account identifier of the user in the payee account system and the three-party authorization code corresponding to the account identifier of the payer in the payment system; and if so, accumulating the rights and interests of the account of the payer in the payee account system.
Description
This patent application is application number: 2018108653019, filing date: in 2018, 08, month 01, a divisional application of the chinese patent application entitled "consumption data processing method and apparatus" was invented.
Technical Field
The present application relates to the field of computer technologies, and in particular, to a consumption data processing method and apparatus.
Background
In recent years, members are made into marketing strategies of more and more merchants, and malls, supermarkets, restaurants, hotels, brand monopoly stores and the like usually issue entity membership cards or electronic membership cards, so that preferential activities such as discounts, points, gifts and the like are provided for customers through the membership cards to attract customers.
At present, a merchant usually asks for member information such as a member card or a mobile phone number to be proved for member identity from a consumer, then enters a payment process, and performs corresponding points and the like after successful payment, but in the process, the member information is easily leaked, and further rights and interests of the merchant and the consumer are influenced. Therefore, it is desirable to provide a consumption data processing method with high security and convenient operation.
Disclosure of Invention
An object of an embodiment of the present specification is to provide a consumption data processing method and apparatus, where the embodiment of the present specification is implemented as follows:
in a first aspect, a consumption data processing method is provided, which is applied to a server of a payment system, and the method includes:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice is used for prompting the successful payment, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
In a second aspect, a consumption data processing method is provided, which is applied to a server of a payee account system, and the method includes:
receiving a payment notice sent by a server of a payment system, wherein the payment notice is used for prompting the payment success, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
In a third aspect, there is provided a consumption data processing apparatus applied to a server of a payment system, the apparatus comprising:
the payment system comprises a first sending module, a second sending module and a payment processing module, wherein the first sending module is used for returning a payment page corresponding to a payment request to a payer terminal after receiving the payment request sent by the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
the first receiving module is used for receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal; (ii) a
And the second sending module is used for paying to the payee and sending a payment notice to a server of the payee account system under the condition that the verification result is successful, wherein the payment notice is used for prompting the successful payment, and the payment notice carries the payment amount, the biometric payment success information and the three-party authorization code corresponding to the account identifier of the payer in the payment system.
In a fourth aspect, there is provided a consumption data processing apparatus for use with a server of a payee account system, the apparatus comprising:
the second receiving module is used for receiving a payment notice sent by a server of the payment system, wherein the payment notice is used for prompting the success of payment, and the payment notice carries payment amount, biological characteristic payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system;
the judging module is used for judging whether an account of the payer in the payee account system exists or not according to the mapping relation between the account identifier of the user in the preset payee account system and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
and the first interest processing module is used for accumulating the interest of the account of the payer in the payee account system under the condition that the judgment result of the judgment module is yes.
In a fifth aspect, an electronic device is provided, comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice is used for prompting the successful payment, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
In a sixth aspect, an electronic device is provided, comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
receiving a payment notice sent by a server of a payment system, wherein the payment notice is used for prompting the payment success, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
In a seventh aspect, a computer storage medium is provided that stores one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice is used for prompting the successful payment, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
In an eighth aspect, a computer storage medium is provided that stores one or more programs that, when executed by an electronic device that includes a plurality of application programs, cause the electronic device to:
receiving a payment notice sent by a server of a payment system, wherein the payment notice is used for prompting the payment success, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
According to the technical scheme provided by the embodiment of the specification, the mutual cooperation and cooperation among the payer terminal, the server of the payment system and the server of the payee account system enable the user to pay only by using a payment mode based on biological characteristics, so that the verification of the member identity can be realized, and further the accumulation of corresponding rights and interests can be carried out. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.
FIG. 1 is an architecture diagram of a consumer data processing system of one embodiment of the present description;
FIG. 2 is a flow diagram of a consumption data processing method of one embodiment of the present description;
FIG. 3 is a flow diagram of a consumption data processing method of another embodiment of the present description;
FIG. 4 is a signaling flow diagram of a method of consuming data processing according to one embodiment of the present description;
FIG. 5 is a schematic block diagram of a consumer data processing apparatus according to one embodiment of the present description;
FIG. 6 is a schematic block diagram of a consumption data processing apparatus according to another embodiment of the present description;
FIG. 7 is a schematic structural diagram of an electronic device of one embodiment of the present description;
fig. 8 is a schematic structural diagram of an electronic device according to another embodiment of the present specification.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort shall fall within the protection scope of the present specification.
The embodiment of the specification provides a consumption data processing method and device.
For ease of understanding, the following first presents an application context, a system architecture, and some concepts involved in the embodiments of the present specification.
Application background: at present, the conventional processing flow of the merchant member is as follows: when a user enters a merchant store to complete payment, the user also registers a member of the merchant, namely applies for the member identity of the merchant, and meanwhile, the merchant provides the member identity to the user in various forms, for example, an entity card or an identification code (a bar code or a two-dimensional code) is provided, and the member identity can be associated with a mobile phone number of the user; when the user enters the merchant shop again for consumption, member information for proving the member identity needs to be provided for the merchant, and then a payment process of consumption amount is started; after the payment is successful, the points of the membership card are automatically accumulated according to the rules of the merchant. However, in this process, member information is easily leaked, and thus the rights and interests of merchants and consumers are affected. For example, the member information of a user is revealed to other users in exchange for more points, which is contrary to the desire of merchants to encourage more users to apply for members.
And (3) system architecture: FIG. 1 is a block diagram of a consumer data processing system according to an embodiment of the present description, as shown in FIG. 1, including: payer terminal 120, server 140 of payee account system and server 160 of payment system, wherein, in practical application, payer terminal 120 may include: cell phones, tablet computers, smart phones, personal digital assistants, and the like.
In a consumption scenario, the payer is typically a "payer" and the payee is typically a "merchant".
The payee account system, which may also be referred to as a payee member system, is usually a "merchant member system", and correspondingly, the server of the payee account system is a "server of the merchant member system", and the account identifier of the payer in the payee account system is a "merchant member account of the payment user".
For example, if the payee is "starbucks," then the payee account system is "starbucks member system," the server of the payee account system is "starbucks member system," and the account of the payer on the payee account system is identified as "member account of the payer" and "member account of the payer" is provided.
The payment system is usually an "account system of the third payment application", and may also be referred to as a "member system of the third party payment application", and accordingly, the server of the payment system is a "server of the third payment application", the account identifier of the payer in the payment system is a "third party payment application account number of the payer, and the account identifier of the payee in the payment system is a" account number of the third payment application of the merchant ".
Biometric-based payment methods: and verifying the biological characteristics input by the user through a biological identification technology to finish identity verification and further finish a payment process.
Next, a consumption data processing method provided in an embodiment of the present specification will be described.
Fig. 2 is a flowchart of a consumption data processing method according to an embodiment of the present specification, the method is applied to a server of a payment system, and as shown in fig. 2, the method may specifically include the following steps: step 202, step 204, and step 206, wherein,
in step 202, after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identification of the payee on the payment system and an account identification of the payer on the payment system, and the payment page is used for inputting the biological characteristics to carry out payment.
In an offline payment scene, taking a payer terminal as a mobile phone as an example, a user enters an offline merchant store, after the goods are selected, the user holds the goods to a cash desk, a clerk of the merchant settles the goods selected by the user to inform the user of the consumption amount, the user opens a third-party payment application in the mobile phone, scans a two-dimensional payment acceptance code of the merchant, triggers a payment request to be sent to a server of the third-party payment application, after the server of the third-party payment application receives the payment request, the server returns a payment page corresponding to the payment request to the mobile phone, the mobile phone receives and displays the payment page, the user inputs the payment amount in the payment page, selects a biological characteristic payment mode and inputs own biological characteristics.
In an online consumption scene, still taking a payer terminal as a mobile phone as an example, after a user selects commodities in an online merchant store, the user selects to place an order, a server of a merchant member system can automatically settle the commodities selected by the user, the amount of money required to be paid by the user is displayed, the user selects to use a third-party payment application in the mobile phone to pay, a payment request is triggered to be sent to a server of the third-party payment application, the server of the third-party payment application returns a payment page corresponding to the payment request to the mobile phone after receiving the payment request, the mobile phone receives and displays the payment page, the payment amount is displayed in the payment page, and the user selects a biological characteristic payment mode in the payment page and inputs own biological characteristics.
It should be noted that the above two application scenarios are only exemplary application scenarios of the embodiments of the present specification, and the embodiments of the present specification include, but are not limited to, the above two application scenarios.
In embodiments of the present description, the biometric characteristic may include at least one of: fingerprint features, voiceprint features, iris features, and facial features.
In step 204, a biometric verification result sent by the payer terminal is received, where the biometric verification result is obtained by verifying the biometric input in the payment page by the payer terminal.
In the embodiment of the specification, after receiving a biological characteristic input by a user in a payment page, a payer terminal verifies the biological characteristic to obtain a biological characteristic verification result; specifically, the payer terminal searches a biological feature corresponding to the account identifier of the payer in the payment system from the biological feature library, then compares the biological feature input by the user in the payment page with the searched biological feature, and if the matching degree of the two reaches a preset threshold (for example, 80%), that is, the similarity between the two is higher, the verification is considered to be successful; and if the matching degree of the two is not up to the preset threshold value, namely the similarity of the two is not good, the verification is considered to be failed.
In this embodiment of the present description, after the payer terminal completes the biometric verification, the server of the payment system sends the biometric verification result to the payer terminal, and accordingly, the server of the payment system receives the biometric verification result from the payer terminal.
In step 206, if the verification result is that the verification is successful, the payment is performed on the payee, and a payment notification is sent to a server of the payee account system, where the payment notification is used to prompt that the payment is successful, and the payment notification carries the payment amount, the biometric payment success information, and the three-party authorization code corresponding to the account identifier of the payer in the payment system.
In the embodiment of the present specification, the biometric payment success information is used to indicate that the payment is realized based on a biometric payment method and the payment is successful.
In the embodiment of the present specification, in order to avoid the leakage of the account information in the payment system, the server of the payment system may set another set of numbering system, where the numbering system includes three-party authorization codes, and each of the three-party authorization codes corresponds to an account identifier of a user in the payment system. Accordingly, when sending a payment notification to the server of the payee account system, the server of the payee account system is provided with the three-way authorization code, rather than the account identification of the payer in the payment system.
As can be seen from the above embodiments, in this embodiment, through mutual cooperation and cooperation between the payer terminal, the server of the payment system, and the server of the payee account system, the user only needs to pay in a payment manner based on the biometric features, and thus the verification of the member identity can be realized, and further the accumulation of the corresponding rights and interests can be performed. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Fig. 3 is a flowchart of a consumption data processing method according to another embodiment of the present specification, which is applied to a server of a payee account system, and as shown in fig. 3, the method may specifically include the following steps: step 302 and step 304, wherein,
in step 302, a payment notification sent by a server of the payment system is received, where the payment notification is used to prompt that the payment is successful, and the payment notification carries the payment amount, the biometric payment success information, and a three-party authorization code corresponding to an account identifier of the payer in the payment system.
In the embodiment of the present specification, the biometric payment success information is used to indicate that the payment is realized based on a biometric payment method and the payment is successful.
In embodiments of the present description, the biometric characteristic may include at least one of: fingerprint features, voiceprint features, iris features, and facial features.
In step 304, whether an account of the payer on the payee account system exists is judged according to a mapping relation between the account identifier of the user in the payee account system and the three-party authorization code corresponding to the account identifier of the payer on the payment system, and if yes, the rights and interests of the account of the payer on the payee account system are accumulated.
In this embodiment of the present specification, the mapping relationship between the account identifier of the user in the payee account system and the three-party authorization code is: and the corresponding relation between the account (member) system of the merchant member system and the account (member) system of the third-party payment application.
In this embodiment of the present specification, if an account identifier of the payee account system corresponding to the three-party authorization code carried in the payment notification exists in the mapping relationship, it indicates that the payer is a registered member of the payee account system, and if the mapping relationship does not exist, it indicates that the payer is not a registered member of the payee account system.
In the embodiment of the specification, when payment is carried out, a payment user can agree to create a member of a merchant, and under the condition, if an account of a payer in a payee account system does not exist, an account of the payer in the payee account system is created, and a mapping relation between an account identifier of the payer in the payee account system and a three-party authorization code corresponding to the account identifier of the payer in the payment system is established; and accumulating the benefits of the payer account with the payee account system.
In the embodiment of the description, after the right and interest accumulation of the payer in the payee account system is performed, an account right and interest accumulation result can be sent to the payer terminal, so that the user can know the right and interest details of the account in real time.
In this embodiment, the equity accumulation may include: accumulation of points, member level upgrading, gift upgrading and the like.
As can be seen from the above embodiments, in this embodiment, through mutual cooperation and cooperation between the payer terminal, the server of the payment system, and the server of the payee account system, the user only needs to pay in a payment manner based on the biometric features, and thus the verification of the member identity can be realized, and further the accumulation of the corresponding rights and interests can be performed. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Finally, the technical solution of the embodiment of the present specification is described as a whole, and fig. 4 is a signaling flow chart of the consumption data processing method of the embodiment of the present specification, as shown in fig. 4:
a payer terminal: and sending a payment request to a server of the payment system, wherein the payment request carries the account identification of the payee in the payment system and the account identification of the payer in the payment system.
Server of the payment system: and after receiving a payment request from the payer terminal, returning a payment page corresponding to the payment request to the payer terminal, wherein the payment page is used for inputting the biological characteristics for payment.
A payer terminal: after receiving a payment page from a server of the payment system, receiving the biological characteristics input by the user in the payment page, verifying the biological characteristics input by the user in the payment page to obtain a biological characteristic verification result, and sending the biological characteristic verification result to the server of the payment system.
Server of the payment system: after receiving a biological characteristic verification result from a payer terminal, if the verification result is successful, sending a payment notice to a server of the payment system, wherein the payment notice is used for prompting the successful payment, and the payment notice carries payment amount, biological characteristic payment successful information and a three-party authorization code corresponding to an account identifier of a payer in the payment system.
Server of payee account system: after receiving a payment notice from a server of the payment system, judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system; if yes, carrying out rights and interests accumulation on the account of the payer in the payee account system; and if the authorization code does not exist, establishing an account of the payer in the payee account system, establishing a mapping relation between the account identifier of the payer in the payee account system and the three-party authorization code corresponding to the account identifier of the payer in the payment system, and performing rights and interests accumulation on the established account.
Therefore, in the embodiment of the specification, additional information for proving the member identity is not required to be provided, the verification of the member information is completed simultaneously when the payment is based on the biological characteristics, and the possibility that the member information is actively or passively leaked to other people for use can be avoided to a certain extent.
Fig. 5 is a schematic structural diagram of a consumption data processing apparatus according to an embodiment of the present disclosure, the consumption data processing apparatus is applied to a server of a payment system, and in a software implementation, as shown in fig. 5, the consumption data processing apparatus 500 may include: a first sending module 501, a first receiving module 502, and a second sending module 503, wherein,
a first sending module 501, configured to return a payment page corresponding to a payment request to a payer terminal after receiving the payment request sent by the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
a first receiving module 502, configured to receive a biometric verification result sent by the payer terminal, where the biometric verification result is obtained by verifying, by the payer terminal, a biometric input in the payment page; (ii) a
A second sending module 503, configured to pay the payee and send a payment notification to a server of the payee account system when the verification result is that the verification is successful, where the payment notification is used to prompt that the payment is successful, and the payment notification carries a payment amount, biometric payment success information, and a three-party authorization code corresponding to an account identifier of the payer in the payment system.
As can be seen from the above embodiments, in this embodiment, through mutual cooperation and cooperation between the payer terminal, the server of the payment system, and the server of the payee account system, the user only needs to pay in a payment manner based on the biometric features, and thus the verification of the member identity can be realized, and further the accumulation of the corresponding rights and interests can be performed. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Optionally, as an embodiment, the biometric feature may include at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
Fig. 6 is a schematic structural diagram of a consumption data processing apparatus according to another embodiment of the present specification, the consumption data processing apparatus is applied to a server of a payee account system, and in one software implementation, as shown in fig. 6, the consumption data processing apparatus 600 may include: a second receiving module 601, a determining module 602, and a first rights processing module 603, wherein,
a second receiving module 601, configured to receive a payment notification sent by a server of a payment system, where the payment notification is used to prompt that payment is successful, and the payment notification carries a payment amount, biometric payment success information, and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
a determining module 602, configured to determine whether an account of the payer exists in a payee account system according to a mapping relationship between an account identifier of a user in a preset payee account system and a three-party authorization code, and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
a first equity processing module 603, configured to, if the determination result of the determining module 602 is yes, perform equity accumulation on the account of the payer in the payee account system.
As can be seen from the above embodiments, in this embodiment, through mutual cooperation and cooperation between the payer terminal, the server of the payment system, and the server of the payee account system, the user only needs to pay in a payment manner based on the biometric features, and thus the verification of the member identity can be realized, and further the accumulation of the corresponding rights and interests can be performed. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Optionally, as an embodiment, the consumption data processing apparatus 600 may further include:
the creating module is used for creating an account of the payer in a payee account system under the condition that the judgment result of the judging module is negative, and establishing a mapping relation between the account identifier of the payer in the payee account system and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
and the second interest processing module is used for carrying out interest accumulation on the account of the payer in the payee account system.
Optionally, as an embodiment, the consumption data processing apparatus 600 may further include:
and the third sending module is used for sending the account right accumulation result to the payer terminal.
Optionally, as an embodiment, the biometric feature may include at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Specifically, the electronic device may be a server of the payment system, and in this case, as shown in fig. 7, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 7, but this does not indicate only one bus or one type of bus.
And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program, and the consumption data processing device is formed on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice is used for prompting the successful payment, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
In the consumption data processing method provided in the embodiment of the present specification, the mutual cooperation and cooperation among the payer terminal, the server of the payment system, and the server of the payee account system enable the user to verify the member identity by only using a payment method based on the biometric features, and further accumulate the corresponding rights and interests. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Optionally, as an embodiment, the biometric characteristic includes at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
The method performed by the consumption data processing apparatus according to the embodiment shown in fig. 7 of the present specification can be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
The electronic device may also execute the method of fig. 2 and implement the functions of the consumption data processing apparatus in the embodiment shown in fig. 2, which are not described herein again in this specification.
Fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Specifically, the electronic device may be a server of the payee account system, and in this case, as shown in fig. 8, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 8, but that does not indicate only one bus or one type of bus.
And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program, and the consumption data processing device is formed on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:
receiving a payment notice sent by a server of a payment system, wherein the payment notice is used for prompting the payment success, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
In the consumption data processing method provided in the embodiment of the present specification, the mutual cooperation and cooperation among the payer terminal, the server of the payment system, and the server of the payee account system enable the user to verify the member identity by only using a payment method based on the biometric features, and further accumulate the corresponding rights and interests. Therefore, in the embodiment of the specification, the user does not need to additionally provide information for proving the member identity, so that the operation is convenient, the biological characteristics have uniqueness, the leakage of the member information of the user can be avoided, and the safety is high.
Optionally, as an embodiment, the method further includes:
if the account of the payer on the payee account system does not exist, establishing the account of the payer on the payee account system, and establishing a mapping relation between the account identifier of the payer on the payee account system and the three-party authorization code corresponding to the account identifier of the payer on the payment system;
and accumulating the rights of the account of the payer at the payee account system.
Optionally, as an embodiment, after the step of adding the rights and interests to the account of the payer at the payee account system, the method further includes:
and sending an account right accumulation result to the payer terminal.
Optionally, as an embodiment, the biometric characteristic includes at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
The method performed by the consumption data processing apparatus according to the embodiment shown in fig. 8 of the present specification can be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
The electronic device may also execute the method of fig. 3 and implement the functions of the consumption data processing apparatus in the embodiment shown in fig. 3, which are not described herein again in this specification.
The present specification embodiments also provide a computer readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the method of the embodiment shown in fig. 2, and in particular to perform the method of:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice is used for prompting the successful payment, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
The present specification embodiments also provide a computer readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the method of the embodiment shown in fig. 3, and in particular to perform the method of:
receiving a payment notice sent by a server of a payment system, wherein the payment notice is used for prompting the payment success, and the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present specification shall be included in the protection scope of the present specification.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Claims (16)
1. A consumption data processing method applied to a server of a payment system, the method comprising:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
2. The method of claim 1, the biometric characteristic comprising at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
3. A consumption data processing method applied to a server of a payee account system, the method comprising:
receiving a payment notice sent by a server of a payment system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
4. The method of claim 3, further comprising:
if the account of the payer on the payee account system does not exist, establishing the account of the payer on the payee account system, and establishing a mapping relation between the account identifier of the payer on the payee account system and the three-party authorization code corresponding to the account identifier of the payer on the payment system;
and accumulating the rights of the account of the payer at the payee account system.
5. The method of claim 3, further comprising, after the step of accumulating the benefits of the payer account with the payee account system:
and sending an account right accumulation result to the payer terminal.
6. The method of any one of claims 3 to 5, the biometric characteristic comprising at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
7. A consumption data processing apparatus applied to a server of a payment system, the apparatus comprising:
the payment system comprises a first sending module, a second sending module and a payment processing module, wherein the first sending module is used for returning a payment page corresponding to a payment request to a payer terminal after receiving the payment request sent by the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
the first receiving module is used for receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and the second sending module is used for paying to the payee and sending a payment notice to a server of the payee account system under the condition that the verification result is successful, wherein the payment notice carries payment amount, biological characteristic payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
8. The apparatus of claim 7, the biometric characteristic comprising at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
9. A consumption data processing apparatus for use with a server of a payee account system, the apparatus comprising:
the second receiving module is used for receiving a payment notice sent by a server of the payment system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
the judging module is used for judging whether an account of the payer in the payee account system exists or not according to the mapping relation between the account identifier of the user in the preset payee account system and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
and the first interest processing module is used for accumulating the interest of the account of the payer in the payee account system under the condition that the judgment result of the judgment module is yes.
10. The apparatus of claim 9, the apparatus further comprising:
the creating module is used for creating an account of the payer in a payee account system under the condition that the judgment result of the judging module is negative, and establishing a mapping relation between the account identifier of the payer in the payee account system and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
and the second interest processing module is used for carrying out interest accumulation on the account of the payer in the payee account system.
11. The apparatus of claim 9, the apparatus further comprising:
and the third sending module is used for sending the account right accumulation result to the payer terminal.
12. The apparatus of any of claims 9 to 11, the biometric characteristic comprising at least one of:
fingerprint features, voiceprint features, iris features, and facial features.
13. An electronic device, comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
14. An electronic device, comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
receiving a payment notice sent by a server of a payment system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
15. A computer storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:
after receiving a payment request sent by a payer terminal, returning a payment page corresponding to the payment request to the payer terminal; the payment request carries an account identifier of a payee in the payment system and an account identifier of a payer in the payment system, and the payment page is used for inputting biological characteristics to carry out payment;
receiving a biological characteristic verification result sent by the payer terminal, wherein the biological characteristic verification result is obtained by verifying the biological characteristic input in the payment page by the payer terminal;
and if the verification result is successful, payment is carried out on the payee, and a payment notice is sent to a server of the payee account system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to the account identifier of the payer in the payment system.
16. A computer storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to:
receiving a payment notice sent by a server of a payment system, wherein the payment notice carries payment amount, biometric payment success information and a three-party authorization code corresponding to an account identifier of a payer in the payment system;
judging whether an account of a payer in a payee account system exists or not according to a mapping relation between an account identifier of a user in a preset payee account system and a three-party authorization code and the three-party authorization code corresponding to the account identifier of the payer in the payment system;
if the payer's account exists at the payee account system, then the rights and interests are accumulated for the payer's account at the payee account system.
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| CN109919625A (en) * | 2019-03-01 | 2019-06-21 | 深圳市沃特沃德股份有限公司 | Intelligent payment method, device, computer equipment and storage medium |
| CN111210265A (en) * | 2019-12-27 | 2020-05-29 | 特瓦特能源科技有限公司 | Non-member charging message pushing method and device |
| CN111861431A (en) * | 2020-06-08 | 2020-10-30 | 西安艾润物联网技术服务有限责任公司 | Digital currency payment method and system |
| CN111882321A (en) * | 2020-07-08 | 2020-11-03 | 支付宝(杭州)信息技术有限公司 | Identity verification processing method, device and system |
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| CN109146493A (en) | 2019-01-04 |
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