CN102467708A - Payment method, transaction initiating terminal and transaction executing terminal - Google Patents
Payment method, transaction initiating terminal and transaction executing terminal Download PDFInfo
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Abstract
The invention provides a payment method, a transaction initiating terminal and a transaction executing terminal. A payment method, comprising: receiving an input payment account, wherein the payment account comprises a mobile phone number of a user; connecting a transaction execution terminal associated with the payment account number, and sending the payment account number to the transaction execution terminal; acquiring biological characteristic information of a user, and sending the biological characteristic information to the transaction execution terminal for verification; and if the received verification result is correct, executing payment. According to the embodiment of the invention, the payment account number is acquired by directly acquiring the input payment account number instead of acquiring the payment account number by swiping a card in the prior art, so that the use of a financial card is avoided, the potential safety hazard caused by the loss of the financial card is reduced, the situations of depreciation and damage of the financial card in the prior art are avoided, and the safety is enhanced. The password verification in the prior art is replaced by the verification by acquiring the biological characteristic information of the user, and the safety of the transaction is greatly enhanced.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to a payment method, a transaction initiating terminal and a transaction executing terminal.
Background
Along with the development of science and technology, the electronic payment mode in modern transactions is gradually replacing the cash payment mode, the electronic payment mode is convenient and fast, cash is not required to be carried about, economic loss brought to people due to cash loss is avoided, and the situations of currency depreciation, damage and the like are reduced.
At present, financial cards such as credit cards and bank cards are generally adopted for electronic payment, in the process of realizing electronic payment, a bank card is taken as an example, a user swipes a card after purchasing goods, a transaction initiating terminal, namely the card swiping machine, reads information such as an account number in the bank card, the information is connected to a bank opening the account number according to the account number, the account number is sent to a bank side, after the connection is successful, a bank password input by the user is received by the transaction initiating terminal, the password information is sent to the bank side, the terminal of the bank side verifies the password according to the account number, after the verification is successful, the transaction initiating terminal receives and displays the verification result, and after signature confirmation of the user is obtained, payment is executed, namely corresponding amount of money of the goods is deducted from the account number. If the credit card is used for payment, the payment method is similar to the steps described above, and the step of performing payment is to record arrears information of corresponding amount in the account corresponding to the credit card.
The inventor researches in the process of implementing the invention to find that the payment method still needs a financial card such as a credit card or a bank card as a payment medium, so that the potential safety hazard caused by the loss of the financial card and the damage of the financial card still exist.
Disclosure of Invention
The embodiment of the invention provides a payment method, a transaction initiating terminal and a transaction executing terminal, which can avoid using a financial card as a payment medium and increase the security of transaction.
In order to solve the technical problem, the technical scheme of the embodiment of the invention is as follows:
a payment method, comprising:
receiving an input payment account, wherein the payment account comprises a mobile phone number of a user;
connecting a transaction execution terminal associated with the payment account number, and sending the payment account number to the transaction execution terminal;
acquiring biological characteristic information of a user, and sending the biological characteristic information to the transaction execution terminal for verification;
and if the received verification result is correct, executing payment.
Further, the payment account number also comprises a characteristic brief code used for identifying the transaction execution terminal;
the connecting the transaction execution terminal associated with the payment account number comprises:
acquiring a characteristic brevity code in the payment account;
and connecting the transaction execution terminal matched with the characteristic brevity code.
A payment method, comprising:
receiving a payment account number which is sent by a transaction initiating terminal and input by a user at the transaction initiating terminal, wherein the payment account number comprises a mobile phone number of the user;
receiving the biological characteristic information of the user sent by the transaction initiating terminal;
verifying the received biological characteristic information of the user according to pre-stored characteristic information corresponding to the payment account;
and if the verification is correct, sending a verification result to the transaction initiating terminal to execute payment.
Further, before receiving the payment account number sent by the transaction initiation terminal and input by the user at the transaction initiation terminal, the method further includes:
receiving a request for opening the payment account; receiving characteristic information input by a user, and establishing a corresponding relation between the payment account and the characteristic information of the user; or,
receiving a request for opening the payment account; and calling feature information corresponding to the mobile phone number from shared information according to the mobile phone number in the payment account, and taking the feature information corresponding to the mobile phone number as the feature information corresponding to the payment account.
Further, before the receiving the biometric information of the user sent by the transaction initiation terminal, the method further includes:
inquiring whether the payment account is in an open state;
if yes, executing the step of receiving the biological characteristic information of the user; if not, initiating an inquiry whether to open the payment account to the mobile phone number of the user in the payment account;
receiving feedback information of the query;
if the feedback information comprises confirmation of opening the payment account, according to the user mobile phone number, calling feature information corresponding to the mobile phone number from shared information, taking the feature information corresponding to the mobile phone number as feature information corresponding to the payment account, and then executing the step of receiving the user biological feature information.
A transaction initiation terminal comprising:
the account receiving unit is used for receiving an input payment account, and the payment account comprises a mobile phone number of a user;
the connection unit is used for connecting a transaction execution terminal associated with the payment account number and sending the payment account number to the transaction execution terminal;
the characteristic acquisition unit is used for acquiring the biological characteristic information of a user and sending the biological characteristic information to the transaction execution terminal for verification;
and the payment unit is used for executing payment when the verification result is received to be correct.
Further, the payment account also comprises a characteristic brevity code for identifying the terminal;
the connection unit includes:
the acquisition subunit is used for acquiring the characteristic brevity codes in the payment account;
and the connection subunit is used for connecting the transaction execution terminal matched with the characteristic brevity code.
A transaction execution terminal comprising:
the system comprises an account receiving module, a transaction initiating terminal and a payment processing module, wherein the account receiving module is used for receiving a payment account which is sent by the transaction initiating terminal and is input by a user at the transaction initiating terminal, and the payment account comprises a mobile phone number of the user;
the characteristic receiving module is used for receiving the biological characteristic information of the user sent by the transaction initiating terminal;
the verification module is used for verifying the received biological characteristic information of the user according to pre-stored characteristic information corresponding to the payment account;
and the result sending module is used for sending a verification result to the transaction initiating terminal to execute payment if the verification is correct.
Further, still include:
the request receiving module is used for receiving a request for opening the payment account before the account receiving module receives the payment account;
and the relationship establishing module is used for receiving the characteristic information input by the user and establishing the corresponding relationship between the payment account and the characteristic information of the user.
Further, still include:
the state query module is used for querying whether the payment account is in an open state or not before the characteristic receiving module receives the biological characteristic information of the user, which is sent by the transaction initiating terminal, and if so, the characteristic receiving module executes the step of receiving the biological characteristic information of the user;
the inquiry initiating module is used for initiating an inquiry whether to open the payment account number to the mobile phone number of the user in the payment account number when the payment account number is not opened;
the information receiving module is used for receiving the feedback information of the inquiry;
and the characteristic calling module is used for calling characteristic information corresponding to the mobile phone number from shared information according to the mobile phone number of the user when the feedback information comprises the confirmation of opening the payment account, taking the characteristic information corresponding to the mobile phone number as the characteristic information corresponding to the payment account, and executing the step of receiving the biological characteristic information of the user by the characteristic receiving module.
The embodiment of the invention adopts the direct acquisition of the input payment account number to replace the acquisition of the payment account number by swiping the card in the prior art, thereby avoiding the use of the financial card, reducing the potential safety hazard caused by the loss of the financial card, avoiding the depreciation and damage of the financial card in the prior art, enhancing the safety, and greatly enhancing the safety of transaction by acquiring the biological characteristic information of the user for verification to replace the password verification in the prior art. In the embodiment of the invention, the user can complete payment directly according to the payment account number and the self biological characteristic information without carrying a financial card or providing a password in the prior art, so that the transaction convenience is greatly improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a flow chart of a payment method according to an embodiment of the invention;
FIG. 2 is a flow chart of another payment method of an embodiment of the present invention;
FIG. 3 is a flow chart of another payment method of an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a transaction initiation terminal according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a transaction execution terminal according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of another transaction execution terminal according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of another transaction execution terminal according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of another transaction execution terminal according to an embodiment of the present invention.
Detailed Description
So that those skilled in the art can further understand the features and technical content of the present invention, reference is made to the following detailed description of the present invention and accompanying drawings, which are provided for reference and illustration only and are not intended to limit the present invention.
The technical solution of the present invention is described below with reference to the accompanying drawings and embodiments.
Referring to fig. 1, a flowchart of a payment method according to an embodiment of the present invention is shown.
The method can comprise the following steps:
In this embodiment, the transaction initiation terminal, such as a card swipe, directly receives a payment account number input by a user. The payment account can be a common account which is applied by a user to a bank in the existing mode, and does not exist before application; the payment account number can also be a specific account number containing a characteristic brevity code and a user mobile phone number, wherein the characteristic brevity code can be a number used for identifying a transaction execution terminal of a bank, the transaction execution terminals of different banks have specific characteristic brevity codes, and the payment account number of the user is pre-existing as long as the user has the mobile phone number, and the payment account number can be opened as long as the user applies for opening.
For example, the mobile phone number of the user is 13012345678, the payment account number of the credit card of the user at a certain bank can be ZHX13012345678, and the payment account number of the savings card can be ZHC13012345678, wherein ZH is a feature short code for identifying the bank transaction execution terminal. More specifically, X, C may represent the category of the payment account, X may represent credit payment, the payment account may have overdraft function immediately after being opened, and C may represent savings payment, which must be paid after the current payment account is opened and charged. In the embodiments of opening and paying a payment account at a payment site described later, the opened payment account can be a credit payment account.
In other embodiments, the payment account may also be a payment account provided by a mobile phone operator, the payment account may be a number bound to a mobile phone number, or may also be a mobile phone number directly, and the payment account does not include a feature short code.
And 102, connecting a transaction execution terminal associated with the payment account number, and sending the payment account number to the transaction execution terminal.
In this step, if the payment account is a common account in the prior art, the transaction initiation terminal may determine, according to the prior art, a transaction execution terminal of a bank associated with the payment account, then initiate a transaction request or a connection request to the transaction execution terminal, and send the payment account to the transaction execution terminal after the connection is successful, or directly include the payment account in the request to send.
If the payment account number contains the characteristic brevity codes and the mobile phone number, the transaction initiating terminal can firstly acquire the characteristic brevity codes in the account number, determine the corresponding transaction executing terminal of the bank according to the characteristic brevity codes, then send a connection request to the transaction executing terminal, and send the payment account number after the connection is successful.
If the payment account is a payment account provided by a mobile phone operator or a mobile phone number of a user, the payment account can be connected to a transaction execution terminal of the mobile phone operator according to the payment account or the mobile phone number, and then the payment account is sent.
After receiving the payment account number, the transaction execution terminal calls pre-stored characteristic information corresponding to the payment account number, such as fingerprint information or iris information, where the characteristic information may be input by a user when applying for opening the payment account, or extracted by the transaction execution terminal from shared information of banks and the like.
And 103, acquiring the biological characteristic information of the user, and sending the biological characteristic information to the transaction execution terminal for verification.
The transaction initiating terminal acquires the biological characteristic information of the user after connecting to the transaction executing terminal, and the biological characteristic information can be a fingerprint or an iris image of the user, or a combination of the fingerprint and the iris image. Then, the biometric information is sent to a transaction execution terminal for verification.
The transaction execution terminal compares the called characteristic information with the biological characteristic information sent by the transaction initiation terminal, specifically, the matching degree between the two information can be calculated, when a certain threshold value is reached, the two information are considered to be matched, then, a verification result is returned to the transaction initiation terminal, and if not, the verification result is returned to be wrong.
And 104, if the received verification result is correct, executing payment.
And after receiving the information that the verification result is correct, the transaction initiating terminal can execute or complete payment according to the prior art.
According to the embodiment of the invention, the payment account number is acquired by directly acquiring the input payment account number instead of acquiring the payment account number by swiping a card in the prior art, so that the use of a financial card is avoided, the potential safety hazard caused by the loss of the financial card is reduced, the situations of depreciation and damage of the financial card in the prior art are avoided, and the safety is enhanced. The password verification in the prior art is replaced by the verification by acquiring the biological characteristic information of the user, and the safety of the transaction is greatly enhanced. In the embodiment of the invention, the user can complete payment directly according to the payment account number and the self biological characteristic information without carrying a financial card or providing a password in the prior art, so that the transaction convenience is greatly improved.
Referring to fig. 2, a flowchart of another payment method according to an embodiment of the present invention is shown.
The method can comprise the following steps:
The transaction execution terminal receives a payment account number sent by the transaction initiation terminal, wherein the payment account number is a payment account number directly input by a user and received by the transaction initiation terminal, and is not a payment account number obtained by swiping a card through a financial card.
In this embodiment, the payment account may be opened by a user applying in advance before initiating the transaction, and first, the transaction execution terminal receives a request for opening the payment account from the user, and receives characteristic information input by the user, such as fingerprint information or iris information or a combination of the fingerprint information and the iris information, and then, the transaction execution terminal establishes a corresponding relationship between the payment account and the characteristic information of the user, so as to facilitate subsequent retrieval and inspection, and then, the state of the payment account may be set to be an opened state.
In another embodiment, the pre-opening of the payment account number may further be: firstly, a transaction execution terminal receives a request of a user for opening the payment account, and then the transaction execution terminal searches shared information, such as a user information base which can be shared among banks, according to the mobile phone number of the user in the payment account, wherein the information base stores the corresponding relation between the mobile phone number of the user and the user characteristic information. After the characteristic information corresponding to the mobile phone number is found, the characteristic information is used as the characteristic information corresponding to the payment account number, and then the state of the payment account number can be set to be an opening state. Of course, if the feature information corresponding to the mobile phone number cannot be found, it indicates that the user has not registered and opened, the transaction execution terminal sends information that payment cannot be completed or the payment account number is not opened to the transaction initiation terminal, and then the connection is disconnected, and the payment action is finished.
The transaction execution terminal receives the biometric information of the user, which may be fingerprint information or iris information or a combination of both, sent by the transaction initiation terminal.
And step 203, verifying the received biological characteristic information of the user according to the characteristic information corresponding to the payment account.
And the transaction execution terminal calls the characteristic information corresponding to the payment account number and then verifies the received biological characteristic information sent by the transaction initiation terminal. The transaction execution terminal compares the called characteristic information with the biological characteristic information sent by the transaction initiation terminal, specifically, the matching degree between the two information can be calculated, when a certain threshold value is reached, the two information are considered to be matched, a verification result is returned to the transaction initiation terminal, and if the verification result is not correct, the verification result is returned to the transaction initiation terminal.
And step 204, if the verification is correct, sending a verification result to the transaction initiating terminal to execute payment.
The embodiment of the invention adopts the direct acquisition of the input payment account number to replace the acquisition of the payment account number by swiping the card in the prior art, thereby avoiding the use of the financial card, reducing the potential safety hazard caused by the loss of the financial card, avoiding the depreciation and damage of the financial card in the prior art, enhancing the safety, and greatly enhancing the safety of transaction by acquiring the biological characteristic information of the user for verification to replace the password verification in the prior art.
Referring to fig. 3, a flowchart of another payment method according to an embodiment of the present invention is shown.
The method can comprise the following steps:
This step is similar to the previous embodiment, in which the payment account includes the mobile phone number of the user.
The transaction execution terminal searches the opening state of the payment account locally, for example, it can check whether the feature information corresponding to the payment account is stored locally, if so, it indicates that the payment account is opened, and if not, it indicates that the payment account is not opened. If the power is on, the steps are shifted to steps 306 to 309, and if the power is not on, the steps are shifted to steps 303 to 309.
The transaction execution terminal sends inquiry information whether the payment account needs to be opened to the mobile phone number, and the inquiry can be specifically carried out in a short message inquiry mode.
If the information fed back by the user is open, the transaction execution terminal searches shared information, such as a user information base which can be shared among banks, according to the mobile phone number of the user in the payment account, and after finding the characteristic information corresponding to the mobile phone number, the characteristic information is used as the characteristic information corresponding to the payment account, and then the state of the payment account can be set to be an open state. If the characteristic information corresponding to the mobile phone number cannot be found, information that the payment account number is not opened or the payment account number cannot complete payment and the like is returned to the transaction initiating terminal, then the connection is disconnected, and the payment action is finished.
And after the payment account is opened, the transaction execution terminal receives the biological characteristic information of the user sent by the transaction initiation terminal.
And 307, verifying the received biological characteristic information of the user according to the characteristic information corresponding to the payment account.
And 308, if the verification is correct, sending a verification result to the transaction initiating terminal to execute payment.
Steps 307-308 are similar to the corresponding steps in the previous embodiments and are not repeated here.
After the payment is finished, the transaction execution terminal can inform the mobile phone user of the transaction condition in a short message mode and the like according to the mobile phone number in the payment account number, and when abnormal transaction occurs, the mobile phone user can find and recover the subsequent loss at the first time.
The embodiment of the invention adopts the direct acquisition of the input payment account number to replace the acquisition of the payment account number by swiping the card in the prior art, thereby avoiding the use of the financial card, reducing the potential safety hazard caused by the loss of the financial card, avoiding the depreciation and damage of the financial card in the prior art, enhancing the safety, and greatly enhancing the safety of the transaction by carrying out the verification according to the biological characteristic information of the user to replace the password verification in the prior art. And the payment account number contains the mobile phone number of the user, so that the process of opening the payment account number by the user is simplified, a short message prompt can be sent to the user when the transaction is completed, and the transaction safety is further improved.
The above is a detailed description of embodiments of the method of the present invention, and the following is a description of an apparatus for carrying out the method.
Fig. 4 is a schematic structural diagram of a transaction initiation terminal according to an embodiment of the present invention.
The transaction initiation terminal may include:
an account receiving unit 401, configured to receive an input payment account.
A connection unit 402, configured to connect to a transaction execution terminal associated with the payment account, and send the payment account to the transaction execution terminal.
A feature obtaining unit 403, configured to obtain biometric information of the user, and send the biometric information to the transaction execution terminal for verification.
And a payment unit 404, configured to perform payment when the verification result received is correct.
The account receiving unit 401 directly receives a payment account input by a user. The payment account number can be a common account number applied by a user to a bank in the existing mode, or can be a specific account number containing a characteristic brevity code and a user mobile phone number, wherein the characteristic brevity code can be a number used for identifying a transaction execution terminal of the bank, the transaction execution terminals of different banks have specific characteristic brevity codes, or can be a payment account number provided by a mobile phone operator, and the payment account number can be a number bound with the mobile phone number, or can be directly the mobile phone number without containing the characteristic brevity code. After the connection unit 402 is connected to the associated transaction execution terminal according to the payment number, the biometric information of the user, which may be a fingerprint or an iris image of the user, or a combination of the two, is acquired by the feature acquisition unit 403. Then, the biometric information is sent to a transaction execution terminal for verification. After the payment unit 404 receives the information that the verification result is correct, the payment can be executed or completed according to the prior art.
In another embodiment of the present invention, the connection unit 402 may further include:
and the acquisition subunit is used for acquiring the characteristic brevity codes in the payment account.
And the connection subunit is used for connecting the transaction execution terminal matched with the characteristic brevity code.
According to the embodiment of the invention, the input payment account number is directly acquired by the unit instead of acquiring the payment account number by swiping a card in the prior art, so that the use of a financial card is avoided, potential safety hazards caused by the loss of the financial card are reduced, the condition that the financial card is worn and damaged in the prior art is avoided, the safety is enhanced, and the password authentication in the prior art is replaced by acquiring the biological characteristic information of the user for authentication, so that the transaction safety is greatly enhanced.
Fig. 5 is a schematic structural diagram of a transaction execution terminal according to an embodiment of the present invention.
The transaction execution terminal may include:
an account receiving module 501, configured to receive a payment account sent by a transaction initiation terminal and input by a user at the transaction initiation terminal;
a feature receiving module 502, configured to receive biometric information of a user of the transaction initiating terminal;
the verification module 503 is configured to verify the received biometric information of the user according to pre-stored feature information corresponding to the payment account;
and the result sending module 504 is configured to send a verification result to the transaction initiating terminal to execute payment if the verification is correct.
The account receiving module 501 receives a payment account sent by a transaction initiating terminal, where the payment account is a payment account directly input by a user and received by the transaction initiating terminal, and is not a payment account obtained by swiping a card through a financial card, and the payment account may be a common account in the prior art, a payment account including a feature short code and a user mobile phone number, a payment account bound to a user mobile phone number, or a user mobile phone number. The biometric information of the user, which may be fingerprint information or iris information, or a combination of both, sent by the transaction initiation terminal is then received by the feature receiving module 502. The verification module 503 retrieves the feature information corresponding to the payment account, verifies the received biometric information sent by the transaction initiation terminal, and if the verification is correct, the result sending module 504 returns the correct verification result to the transaction initiation terminal, so as to execute payment.
According to the embodiment of the invention, the input payment account number is directly acquired through the module to replace the payment account number acquired through swiping the card in the prior art, so that the use of a financial card is avoided, the potential safety hazard caused by the loss of the financial card is reduced, the condition that the financial card is depreciated and damaged in the prior art is avoided, the safety is enhanced, and the transaction safety is greatly enhanced by acquiring the biological characteristic information of the user for verification to replace the password verification in the prior art.
Referring to fig. 6, a schematic structural diagram of another transaction execution terminal according to an embodiment of the present invention is shown.
The transaction execution terminal may include a request receiving module 605 and a relationship establishing module 606, in addition to the account number receiving module 601, the feature receiving module 602, the verifying module 603 and the result sending module 604, where the account number receiving module 601, the feature receiving module 602, the verifying module 603 and the result sending module 604 are similar to the foregoing embodiments and are not described herein again.
The request receiving module 605 is configured to receive a request for opening a payment account before the account receiving module 601 receives the payment account.
The relationship establishing module 606 is configured to receive the feature information input by the user, and establish a corresponding relationship between the payment account and the feature information of the user.
In this embodiment, the request receiving module 605 receives a request for opening the payment account from the user before the user initiates the transaction, and the relationship establishing module 606 receives characteristic information input by the user, such as fingerprint information or iris information or a combination of the fingerprint information and the iris information, and establishes a corresponding relationship between the payment account and the characteristic information of the user, so as to facilitate subsequent retrieval and inspection. Then the account receiving module 601 receives the payment account, the feature receiving module 602 receives the biometric information of the user, the verification module 603 invokes the feature information corresponding to the payment account in the relationship establishing module 606, the biometric information of the user received by the feature receiving module 602 is verified, and if the verification is passed, the result sending module 604 sends the result to the transaction initiating terminal to execute the payment.
According to the embodiment of the invention, the input payment account number is directly acquired through the module to replace the payment account number acquired through swiping the card in the prior art, so that the use of a financial card is avoided, the potential safety hazard caused by the loss of the financial card is reduced, the condition that the financial card is depreciated and damaged in the prior art is avoided, the safety is enhanced, and the transaction safety is greatly enhanced by acquiring the biological characteristic information of the user for verification to replace the password verification in the prior art.
Fig. 7 is a schematic structural diagram of another transaction execution terminal according to an embodiment of the present invention.
The transaction execution terminal may include a request receiving module 705 and a feature retrieving module 706, in addition to the account number receiving module 701, the feature receiving module 702, the verification module 703 and the result sending module 704.
The payment account received by the account receiving module 701 includes a mobile phone number of the user.
The request receiving module 705 is configured to receive a request for opening a payment account before the account receiving module 701 receives the payment account.
The feature calling module 706 is configured to call feature information corresponding to the mobile phone number from the shared information according to the mobile phone number in the payment account, and use the feature information matched with the mobile phone number as the feature information corresponding to the payment account.
In this embodiment, the request receiving module 705 receives a request for opening the payment account from the user before the user initiates the transaction, and then the feature retrieving module 706 searches for shared information, for example, a user information base that can be shared among banks, according to the mobile phone number of the user in the payment account, and after finding feature information corresponding to the mobile phone number, uses the feature information as feature information corresponding to the payment account, and then sets the state of the payment account to be an open state. Then the account receiving module 701 receives the payment account, the feature receiving module 702 receives the biometric information of the user, the verification module 703 retrieves the feature information corresponding to the payment account in the feature retrieving module 706, verifies the biometric information of the user received by the feature receiving module 702, and if the verification is passed, the result sending module 704 sends the result to the transaction initiating terminal to execute payment.
According to the embodiment of the invention, the input payment account number is directly acquired through the module to replace the payment account number acquired through swiping the card in the prior art, so that the use of a financial card is avoided, the potential safety hazard caused by the loss of the financial card is reduced, the condition that the financial card is depreciated and damaged in the prior art is avoided, the safety is enhanced, and the transaction safety is greatly enhanced by acquiring the biological characteristic information of the user for verification to replace the password verification in the prior art.
Referring to fig. 8, a schematic structural diagram of another transaction execution terminal according to an embodiment of the present invention is shown.
The transaction execution terminal may include a status query module 805, an inquiry initiating module 806, an information receiving module 807, a feature retrieving module 808, and a feedback module 809 in addition to the account number receiving module 801, the feature receiving module 802, the verifying module 803, and the result sending module 804.
The payment account received by the account receiving module 801 includes a mobile phone number of the user.
The status query module 805 is configured to query whether the payment account is in an open status before the feature receiving module 802 receives the biometric information of the user sent by the transaction initiation terminal, and if so, the feature receiving module 802 receives the biometric information of the user.
An inquiry initiating module 806, configured to initiate an inquiry about whether to open the payment account to a mobile phone number of the user in the payment account when the payment account is not opened.
An information receiving module 807 for receiving the queried feedback information.
The feature retrieving module 808 is configured to, when the feedback information includes confirmation of opening the payment account, retrieve, according to the mobile phone number of the user, feature information corresponding to the mobile phone number from the shared information, use the feature information corresponding to the mobile phone number as feature information corresponding to the payment account, and then receive, by the feature receiving module 802, biometric information of the user.
And the feedback module 809 is configured to send payment information to the mobile phone number of the user in the payment account.
According to the embodiment of the invention, the input payment account number is directly acquired through the module to replace the payment account number acquired through swiping the card in the prior art, so that the use of a financial card is avoided, the potential safety hazard caused by the loss of the financial card is reduced, the condition that the financial card is depreciated and damaged in the prior art is avoided, the safety is enhanced, and the verification is carried out according to the biological characteristic information of the user to replace the password verification in the prior art, so that the safety of transaction is greatly enhanced. And the payment account number contains the mobile phone number of the user, so that the process of opening the payment account number by the user is simplified, a short message prompt can be sent to the user when the transaction is completed, and the transaction safety is further improved.
For the specific implementation process of each unit or module in the terminal, please refer to the corresponding description in the foregoing method embodiment, which is not described herein again.
The above-described embodiments of the present invention do not limit the scope of the present invention. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the scope of the claims of the present invention.
Claims (10)
1. A payment method, comprising:
receiving an input payment account, wherein the payment account comprises a mobile phone number of a user;
connecting a transaction execution terminal associated with the payment account number, and sending the payment account number to the transaction execution terminal;
acquiring biological characteristic information of a user, and sending the biological characteristic information to the transaction execution terminal for verification;
and if the received verification result is correct, executing payment.
2. The method of claim 1, wherein the payment account number further comprises a feature brevity code for identifying the transaction execution terminal;
the connecting the transaction execution terminal associated with the payment account number comprises:
acquiring a characteristic brevity code in the payment account;
and connecting the transaction execution terminal matched with the characteristic brevity code.
3. A payment method, comprising:
receiving a payment account number which is sent by a transaction initiating terminal and input by a user at the transaction initiating terminal, wherein the payment account number comprises a mobile phone number of the user;
receiving the biological characteristic information of the user sent by the transaction initiating terminal;
verifying the received biological characteristic information of the user according to pre-stored characteristic information corresponding to the payment account;
and if the verification is correct, sending a verification result to the transaction initiating terminal to execute payment.
4. The method of claim 3, wherein before receiving the payment account number sent by the transaction initiation terminal and entered by the user at the transaction initiation terminal, the method further comprises:
receiving a request for opening the payment account; receiving characteristic information input by a user, and establishing a corresponding relation between the payment account and the characteristic information of the user; or,
receiving a request for opening the payment account; and calling feature information corresponding to the mobile phone number from shared information according to the mobile phone number in the payment account, and taking the feature information corresponding to the mobile phone number as the feature information corresponding to the payment account.
5. The method according to claim 3, wherein before said receiving the biometric information of the user sent by the transaction initiation terminal, further comprising:
inquiring whether the payment account is in an open state;
if yes, executing the step of receiving the biological characteristic information of the user; if not, initiating an inquiry whether to open the payment account to the mobile phone number of the user in the payment account;
receiving feedback information of the query;
if the feedback information comprises confirmation of opening the payment account, according to the user mobile phone number, calling feature information corresponding to the mobile phone number from shared information, taking the feature information corresponding to the mobile phone number as feature information corresponding to the payment account, and then executing the step of receiving the user biological feature information.
6. A transaction initiation terminal, comprising:
the account receiving unit is used for receiving an input payment account, and the payment account comprises a mobile phone number of a user;
the connection unit is used for connecting a transaction execution terminal associated with the payment account number and sending the payment account number to the transaction execution terminal;
the characteristic acquisition unit is used for acquiring the biological characteristic information of a user and sending the biological characteristic information to the transaction execution terminal for verification;
and the payment unit is used for executing payment when the verification result is received to be correct.
7. The transaction initiation terminal of claim 6 wherein the payment account number further includes a feature brevity code for identifying the terminal;
the connection unit includes:
the acquisition subunit is used for acquiring the characteristic brevity codes in the payment account;
and the connection subunit is used for connecting the transaction execution terminal matched with the characteristic brevity code.
8. A transaction execution terminal, comprising:
the system comprises an account receiving module, a transaction initiating terminal and a payment processing module, wherein the account receiving module is used for receiving a payment account which is sent by the transaction initiating terminal and is input by a user at the transaction initiating terminal, and the payment account comprises a mobile phone number of the user;
the characteristic receiving module is used for receiving the biological characteristic information of the user sent by the transaction initiating terminal;
the verification module is used for verifying the received biological characteristic information of the user according to pre-stored characteristic information corresponding to the payment account;
and the result sending module is used for sending a verification result to the transaction initiating terminal to execute payment if the verification is correct.
9. The transaction execution terminal of claim 8, further comprising:
the request receiving module is used for receiving a request for opening the payment account before the account receiving module receives the payment account;
and the relationship establishing module is used for receiving the characteristic information input by the user and establishing the corresponding relationship between the payment account and the characteristic information of the user.
10. The transaction execution terminal of claim 8, further comprising:
the state query module is used for querying whether the payment account is in an open state or not before the characteristic receiving module receives the biological characteristic information of the user, which is sent by the transaction initiating terminal, and if so, the characteristic receiving module executes the step of receiving the biological characteristic information of the user;
the inquiry initiating module is used for initiating an inquiry whether to open the payment account number to the mobile phone number of the user in the payment account number when the payment account number is not opened;
the information receiving module is used for receiving the feedback information of the inquiry;
and the characteristic calling module is used for calling characteristic information corresponding to the mobile phone number from shared information according to the mobile phone number of the user when the feedback information comprises the confirmation of opening the payment account, taking the characteristic information corresponding to the mobile phone number as the characteristic information corresponding to the payment account, and executing the step of receiving the biological characteristic information of the user by the characteristic receiving module.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010105490761A CN102467708A (en) | 2010-11-17 | 2010-11-17 | Payment method, transaction initiating terminal and transaction executing terminal |
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| CN2010105490761A CN102467708A (en) | 2010-11-17 | 2010-11-17 | Payment method, transaction initiating terminal and transaction executing terminal |
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| CN102467708A true CN102467708A (en) | 2012-05-23 |
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| CN2010105490761A Pending CN102467708A (en) | 2010-11-17 | 2010-11-17 | Payment method, transaction initiating terminal and transaction executing terminal |
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Application publication date: 20120523 |