WO2016188249A1

WO2016188249A1 - Payment method, device and system

Info

Publication number: WO2016188249A1
Application number: PCT/CN2016/079059
Authority: WO
Inventors: 郭磊
Original assignee: 中兴通讯股份有限公司
Priority date: 2015-10-20
Filing date: 2016-04-12
Publication date: 2016-12-01
Also published as: CN106600276A

Abstract

A payment method, device and system, the method comprising: verifying first characteristic information inputted by a terminal user, wherein the first characteristic information is used to uniquely identify the terminal user; after the verification succeeds, invoking account information of the terminal user at a trade payment platform; and performing paying at the trade payment platform according to the account information. The above solution addresses problems of information security and the inconvenience of manually selecting a payment platform, resulting from the user being required to manually input personal information when making a payment on the terminal, thus achieving an effect of completing pay safely and rapidly on the terminal.

Description

Payment method, device and system

Technical field

The present application relates to, but is not limited to, the field of mobile communications, and in particular, to a payment method, apparatus and system.

Background technique

The rise and development of 3G/4G technology, such as mobile phones and other terminals that access the network through radio waves, has become a convenient trading terminal, bringing the rise of mobile e-commerce. Mobile payment is a service method in which a user uses his mobile terminal to pay for goods or services consumed. In the next few years, the global mobile payment service will continue to strengthen, and the security and convenience associated with mobile payment are increasingly valued.

Summary of the invention

The following is an overview of the topics detailed in this document. This Summary is not intended to limit the scope of the claims.

At present, the problem of information security of mobile payment and the convenience of payment limit the rapid promotion of mobile payment. From the perspective of the development of domestic mobile payment services, there is still a lack of uniform and widely recognized payment security standards. Therefore, users transmitting personal information through wireless networks are easily stolen and cracked, resulting in the disclosure of personal information. At the same time, users are in the current situation. It is also very inconvenient to perform e-commerce transactions on smart terminals, such as manual input of personal information and manual selection of payment platforms.

In view of the related art, the security of the payment operation is low and the convenience is poor, and an effective solution has not been proposed. The present application provides a payment method, device and system to solve at least the problem of low security and poor convenience of payment operations in the related art.

According to an aspect of the present application, a payment method is provided, including:

Verifying the first feature information input by the terminal user, where the first feature information is used to uniquely identify the terminal user;

If the verification is passed, obtaining the account information of the end user on the transaction payment platform;

Payment is made on the transaction payment platform based on the account information.

Optionally, the step of verifying the first feature information input by the terminal user includes:

Obtaining first feature information currently input by the user;

The first feature information is verified according to second feature information stored before the user inputs the first feature information, wherein the first feature is matched if the first feature information and the second feature information are matched Information verification passed.

Optionally, the step of acquiring the first feature information currently input by the user includes:

The first feature information is acquired by a peripheral device of the terminal.

Optionally, if the verification is passed, the step of acquiring the account information of the end user on the transaction payment platform comprises:

If the verification is passed, reading the personal information of the end user;

The account information is invoked based on the personal information.

Optionally, when the transaction payment platform is multiple, the step of performing payment on the transaction payment platform according to the account information includes:

Obtaining a priority level of the plurality of transaction payment platforms;

The highest priority transaction payment platform among the priority levels is selected for payment.

Optionally, the step of acquiring a priority level of the multiple transaction payment platforms includes:

Acquiring at least one of the following parameter information of the terminal user in the transaction payment platform: account balance information, activity information of the terminal user;

The priority level is obtained according to the parameter information.

According to another aspect of the present application, a payment apparatus is provided, comprising: a verification module configured to verify first feature information input by an end user, wherein the first feature information is used to uniquely identify the terminal user Calling a module, configured to invoke account information of the end user on the transaction payment platform after the verification is passed; the payment module is configured to perform payment on the transaction payment platform according to the account information.

According to another aspect of the present application, a payment system is provided, comprising: a terminal and a peripheral device coupled to the terminal, wherein the peripheral device is configured to be input to the terminal user for unique Identifying the first feature information of the terminal user for verification, and transmitting the verification result to the terminal; the terminal is configured to acquire the terminal user when the verification result indicates that the first feature information is verified to pass The account information of the transaction payment platform is further processed, and the payment is made on the transaction payment platform according to the account information.

Optionally, the peripheral device is configured to acquire first feature information input by a user, and verify the first feature information according to second feature information stored before the user inputs the first feature information, where When the first feature information matches the second feature information, the first feature information is verified to pass.

Optionally, the terminal further includes: an interface, wherein the peripheral device is connected to the terminal through the interface.

The application further provides a computer readable storage medium storing computer executable instructions that are implemented when the computer executable instructions are executed.

Through the application, the first feature information input by the terminal user is used for verification, wherein the first feature information is used to uniquely identify the terminal user; if the verification is passed, the terminal user is acquired in the account of the transaction payment platform. Information; payment is made on the transaction payment platform based on the account information. The problem of information security caused by manual input of personal information and the inconvenience of manually selecting the payment platform when the user performs the payment operation on the terminal is solved, thereby achieving the effect of safely and quickly completing the payment on the terminal.

Other aspects will be apparent upon reading and understanding the drawings and detailed description.

BRIEF abstract

The drawings described herein are intended to provide a further understanding of the present application, and are intended to be a part of this application. In the drawing:

1 is a flow chart of the basic steps of a payment method in accordance with an embodiment of the present invention;

2 is a flow chart of optional steps of a payment method in accordance with an embodiment of the present invention;

3 is a schematic diagram of another optional step of a payment method in accordance with an embodiment of the present invention;

4 is a flow chart of still another optional step of a payment method in accordance with an embodiment of the present invention;

5 is a flow chart of still another optional step of a payment method in accordance with an embodiment of the present invention;

6 is a flow chart of still another optional step of a payment method in accordance with an embodiment of the present invention;

7 is a flow chart of a payment method according to an example of the present invention;

FIG. 8 is a structural block diagram of a payment apparatus according to an embodiment of the present invention; FIG.

9 is a structural block diagram of a payment system according to an embodiment of the present invention;

FIG. 10 is a block diagram showing another structure of a payment system according to an embodiment of the present invention.

Preferred embodiment of the invention

The present application will be described in detail below with reference to the drawings in conjunction with the embodiments. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict.

It should be noted that the terms "first", "second" and the like in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or order.

A payment method is provided in this embodiment. FIG. 1 is a flowchart of basic steps of a payment method according to an embodiment of the present invention. As shown in FIG. 1, the payment method includes the following steps:

S101. The first feature information input by the terminal user is verified, where the first feature information is used to uniquely identify the terminal user.

S102. If the verification is passed, obtaining account information of the terminal user on the transaction payment platform;

S103. Perform payment on the transaction payment platform according to the account information.

The first feature information input by the terminal user is verified when the user performs the payment operation, wherein the first feature information is used to uniquely identify the terminal user; after the verification is passed, the The account information of the end user in the transaction payment platform; payment is performed on the transaction payment platform according to the account information. The embodiment of the invention solves the problem of information security caused by manual input of personal information when the user performs the payment operation on the terminal and the inconvenience of manually selecting the payment platform, thereby achieving the effect of completing the payment safely and quickly on the terminal.

2 is a flow chart of optional steps of a payment method in accordance with an embodiment of the present invention, and various preferred embodiments of the embodiments of the present invention are described in detail below with reference to FIG.

In an optional example, the step of verifying the first feature information input by the terminal user may be implemented by using the following solution, including:

S101A: Acquire first feature information currently input by the user;

S101B. The first feature information is verified according to the second feature information stored before the user inputs the first feature information, where the first feature information and the second feature information are matched. A feature information verification is passed.

FIG. 3 is a schematic diagram of another optional step of the payment method according to the embodiment of the present invention. As shown in FIG. 3, in the optional example, the step of acquiring the first feature information currently input by the user includes:

S101Aa: acquiring the first feature information by using a peripheral device of the terminal.

FIG. 4 is a flowchart of still another optional step of the payment method according to the embodiment of the present invention. As shown in FIG. 4, in the optional example, if the verification is passed, the terminal is obtained. The steps of the user in the account information of the transaction payment platform include:

S102A, if the verification is passed, reading the personal information of the terminal user;

S102B: Acquire the account information according to the personal information.

FIG. 5 is a schematic flowchart of still another optional step of a payment method according to an embodiment of the present invention. As shown in FIG. 5, in the optional example, when the transaction payment platform is multiple, according to the The steps for the account information to be paid on the transaction payment platform include:

S103A, obtaining a priority level of the multiple transaction payment platforms;

S103B: Select a transaction payment platform with the highest priority among the priority levels to perform payment.

FIG. 6 is a schematic flowchart of an optional step of a payment method according to an embodiment of the present invention. As shown in FIG. 6 , in the optional example, the obtaining the priority of the multiple transaction payment platforms may also be implemented by using the following solution. Level level steps, including:

S103Aa, acquiring at least one of the following parameter information of the terminal user in the transaction payment platform: account balance information, activity information of the terminal user;

S103Ab, obtaining the priority level according to the parameter information.

The above technical solution is described below with reference to an example. FIG. 7 is a flowchart of a payment method according to an example of the present application. As shown in FIG. 7, the peripheral device stores user personal information, such as a last name. Information such as name, ID number, biometrics, etc., the peripheral device has an information collecting function of biometrics such as fingerprints and voices, and selects automatic payment when the user has a payment request, and the payment method includes the following steps:

S302. The corresponding automatic payment software installed on the terminal provides the calling interface of the automatic payment software to a third-party e-commerce platform that cooperates with the developer of the automatic payment software, and the user selects an automatic payment option when performing mobile payment, and then starts. Automatic payment software, and transfer the payment amount and merchant account information to the automatic payment software;

S304. The automatic payment software detects whether the charging interface of the user's mobile terminal is inserted into the peripheral device, and if the peripheral device is not inserted, prompts the user to insert.

S306. If a peripheral device having a biometric (fingerprint, voice, etc.) collection function is inserted, the peripheral device collects a biometric feature of the user (ie, the first feature information) and stores the user before inputting the first feature information. The biometrics of the user (ie, the second feature information) are matched. If the result of the matching is that the first feature information matches the second feature information, the peripheral device sends a notification to the automatic payment software, and the notification is automatic. Payment software verification passed. If the automatic payment software receives the notification that the authentication has passed, if the verification fails, the user's authentication will be prompted through the user interface of the terminal.

S308. If the result of matching the user biometrics is that the first feature information matches the second feature information, the automatic payment software invokes a user account information interface provided by UnionPay or a third-party payment platform to provide user account information. The encrypted parameter passed by the interface is the name and identification number (ie, the second characteristic information) read by the automatic payment software from the terminal. The user account information interface returns the account name of the user on UnionPay or a third-party payment platform, the account balance and the transaction information of the most recent month.

S310. The automatic payment software selects a user account for payment according to the account balance and the number of transactions (ie, the activity level). The payment process is an automatic payment software call that is paid by a payment interface provided by UnionPay or a third-party payment platform, and the parameters passed are the payment amount and the merchant account information.

Through the description of the above embodiments, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course, by hardware, but in many cases, the former is A better implementation. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be in the form of a software product. Formally embodied, the computer software product is stored in a storage medium (such as ROM/RAM, disk, optical disk), and includes a plurality of instructions for making a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) The above described methods of various embodiments of the present invention are performed.

In the embodiment, a payment device is also provided, which is used to implement the above-mentioned embodiments and preferred embodiments, and will not be described again. As used below, the term "module" may implement a combination of software and/or hardware of a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, hardware, or a combination of software and hardware, is also possible and contemplated.

FIG. 8 is a structural block diagram of a payment apparatus according to an embodiment of the present invention. As shown in FIG. 8, the apparatus includes the following modules:

The verification module 42 is configured to verify the first feature information input by the terminal user, where the first feature information is used to uniquely identify the terminal user;

The calling module 44 is configured to obtain account information of the terminal user on the transaction payment platform if the verification is passed;

The payment module 46 is configured to make a payment on the transaction payment platform based on the account information.

It should be noted that the modules may be implemented by software or hardware. If implemented by hardware, the foregoing modules may be implemented in the following manner, but are not limited thereto: the modules are all located in the same processor; Modules are located in multiple processors.

In this embodiment, a payment system is also provided. FIG. 9 is a structural block diagram of a payment system according to an embodiment of the present invention. As shown in FIG. 9, the system includes:

The terminal 52 and the peripheral device 54 coupled to the terminal 52, wherein the peripheral device 54 is configured to verify the first feature information input by the terminal user for uniquely identifying the terminal user, and verify The result is sent to the terminal; the terminal 52 is configured to acquire account information of the terminal user in the transaction payment platform when the verification result indicates that the first feature information is verified, and further, according to the account information, Payment is made on the transaction payment platform.

In an optional example, the peripheral device 54 is configured to acquire first feature information input by a user, and perform the first feature information according to the second feature information stored before the user inputs the first feature information. Verification, wherein, when the first feature information matches the second feature information, A feature information verification is passed.

In an alternative example, the terminal 52 further includes an interface, wherein the peripheral device 54 is coupled to the terminal 52 via the interface.

The following technical solution is described with reference to an example. FIG. 10 is another structural block diagram of a payment system according to an embodiment of the present invention. In the related art, when a user pays a train ticket fee at the website 12306, the train ticket is selected after payment. The page pays, and the payment page asks the user to choose which bank account to use for payment. After the selection, the user also needs to input the bank card number, password, mobile phone verification code and other information, which is not only cumbersome but also has security problems. As shown in FIG. 10, the automatic payment software installed on the mobile terminal provides an interface to the 12306 website, and the automatic payment option is embedded in the payment page of the 12306 website. After the user selects the automatic payment option, the installed automatic payment software and the automatic payment software are started. Requiring the user to insert an authentication device (ie, the peripheral device) on the mobile terminal and input the biometric feature (ie, the first feature information), and if the input biometric verification is passed, the automatic payment software reads the peripheral device The user information stored in the transaction information (ie, the second feature information) is used to obtain the user account information by using the interface provided by the transaction payment platform, and when the user account information is obtained, the fee is deducted from the corresponding bank account according to the technical solution.

The technical solution is described below with reference to another example. If an automatic payment is made through the Alipay platform as a third-party payment platform, when the Taobao generates an order for the purchased product, the user needs to select one of the following payment methods: Alipay, Yu'ebao, bank card, etc., to make payment, the automatic payment software installed on the terminal provides an interface to Taobao, and the automatic payment option is embedded in the payment page of Taobao. After the user selects the automatic payment option, the automatic installation will be started. Payment software, the automatic payment software requires the user to insert an authentication device (ie, the peripheral device) on the terminal, and input biometrics (ie, the first feature information), and the first feature information is generally a fingerprint, a voice, and the like. Feature, if the input first feature information is verified, the automatic payment software reads the user information stored in the peripheral device (ie, the second feature information), and after reading the stored user information, the automatic payment software calls Alipay The account information interface of Alipay or Yubao provided by the platform, first from the Alipay account PayPal account balances net of fees, and PayPal account to pay the balance if PayPal account balances are insufficient, it will call interface provided by the CUP payments through the user's bank account.

The above technical solution is described below with reference to another example. When the user needs automatic transfer, the automatic payment software is started, and the automatic payment software requires the user to insert the identity verification device on the terminal (ie, The peripheral device), and after the user inputs a biometric such as a fingerprint, a voice, or the like (ie, the first feature information), verifying the first feature information by using the second feature information stored in the peripheral device, wherein The peripheral device stores the identity information corresponding to the second feature information, where the identity information is usually information such as a name and an ID card number; if the biometric verification is passed, the identity information corresponding to the second feature information is automatically Calling the interface of UnionPay or a third-party platform (ie, the transaction payment platform) to obtain account information, and causing the user's mobile terminal to pop up the information interface of the user's personal account, if the individual has multiple accounts, as long as the user selects the payment account and receives the payment Account, the transfer will be made automatically after the amount is entered.

Alternatively, the user can personalize their own payment account. The user activates the automatic payment software, and the automatic payment software requires the user to insert the identity verification device. After the user inputs the biometric feature (ie, the first feature information), the identity verification device verifies the biometric feature, and if the input biometric feature is verified, the automatic payment software The interface of UnionPay or a third-party platform is invoked to obtain personal account information, and the user's terminal pops up the information interface of the user's personal account. At this time, the user can select the first priority payment account in the account priority ranking. If the selected first priority payment account balance is insufficient, the automatic payment software automatically selects the second priority payment account for payment.

In an optional example, the peripheral device may be a device embedded in the terminal, for example, a fingerprint recognition function device of the related art terminal, which may be used for identity verification, because it is a hardware function of the terminal. Therefore, the code in the fingerprint recognition function device has been solidified at the time of shipment, and the user's personal information (ie, the second feature information) cannot be entered, and only the fingerprint identification is performed, and the user's account information cannot be automatically obtained, and the personal information needs to be manually input. After the payment, the semi-automated mobile payment is achieved.

In summary, the embodiment of the present invention solves the problem of information security caused by manual input of personal information when the user performs a payment operation on the terminal and the inconvenience of manually selecting the payment platform, thereby achieving safe and fast completion on the terminal. The effect of the payment.

Embodiments of the present invention further provide a computer readable storage medium storing computer executable instructions that are implemented when the computer executable instructions are executed.

One of ordinary skill in the art will appreciate that all or part of the steps in the above methods may be performed by a program to instruct related hardware, such as a processor, which may be stored in computer readable storage. In media, such as read-only memory, disk or optical disk. Alternatively, all or part of the steps of the above embodiments may also be implemented using one or more integrated circuits. Correspondingly, each module/unit in the above embodiment may be implemented in the form of hardware, for example, by implementing an integrated circuit to implement its corresponding function, or may be implemented in the form of a software function module, for example, executing a program stored in the memory by a processor. / instruction to achieve its corresponding function. Embodiments of the invention are not limited to any specific form of combination of hardware and software.

Obviously, those skilled in the art should understand that the above modules or steps of the present application can be implemented by a general computing device, which can be concentrated on a single computing device or distributed in a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein. The steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps thereof are fabricated as a single integrated circuit module. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.

The above description is only the preferred embodiment of the present application, and is not intended to limit the present application, and various changes and modifications may be made to the present application. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of this application are intended to be included within the scope of the present application.

Industrial applicability

Claims

A payment method comprising:

Verifying the first feature information input by the terminal user, where the first feature information is used to uniquely identify the terminal user;

If the verification is passed, obtaining the account information of the end user on the transaction payment platform;

Payment is made on the transaction payment platform based on the account information.
The method of claim 1, wherein the step of verifying the first feature information input by the terminal user comprises:

Obtaining first feature information currently input by the user;

The first feature information is verified according to second feature information stored before the user inputs the first feature information, wherein the first feature is matched if the first feature information and the second feature information are matched Information verification passed.
The method according to claim 2, wherein the step of acquiring the first feature information currently input by the user comprises:

The first feature information is acquired by a peripheral device of the terminal.
The method according to claim 1, wherein the step of obtaining the account information of the end user on the transaction payment platform if the verification is passed comprises:

If the verification is passed, reading the personal information of the end user;

The account information is invoked based on the personal information.
The method according to any one of claims 1 to 4, wherein, when the transaction payment platform is plural, the step of performing payment on the transaction payment platform according to the account information comprises:

Obtaining a priority level of the plurality of transaction payment platforms;

The highest priority transaction payment platform among the priority levels is selected for payment.
The method of claim 5 wherein said step of obtaining a priority level of said plurality of transaction payment platforms comprises:

Acquiring at least one of the following parameter information of the terminal user in the transaction payment platform: account balance information, activity information of the terminal user;

The priority level is obtained according to the parameter information.
A payment device comprising:

The verification module is configured to verify the first feature information input by the terminal user, where the first feature information is used to uniquely identify the terminal user;

Calling a module, configured to invoke the account information of the end user on the transaction payment platform after the verification is passed;

A payment module is arranged to make a payment on the transaction payment platform based on the account information.
A payment system includes: a terminal and a peripheral device coupled to the terminal, wherein

The peripheral device is configured to perform verification on the first feature information input by the terminal user for uniquely identifying the terminal user, and send the verification result to the terminal;

The terminal is configured to acquire account information of the terminal user on the transaction payment platform when the verification result indicates that the first feature information is verified, and then perform payment on the transaction payment platform according to the account information.
The system according to claim 8, wherein said peripheral device is configured to acquire first feature information input by a user, and to pair said first feature information according to second feature information stored before said user inputs first feature information The feature information is verified, wherein the first feature information is verified to pass when the first feature information matches the second feature information.
The system according to claim 8 or 9, the terminal further comprising: an interface, wherein the peripheral device is connected to the terminal through the interface.