CN105046484A - Mobile payment method and system and mobile terminal - Google Patents
Mobile payment method and system and mobile terminal Download PDFInfo
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- CN105046484A CN105046484A CN201510364002.3A CN201510364002A CN105046484A CN 105046484 A CN105046484 A CN 105046484A CN 201510364002 A CN201510364002 A CN 201510364002A CN 105046484 A CN105046484 A CN 105046484A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The embodiment of the invention relates to the technical field of communication, and discloses a mobile payment method and system and a mobile terminal. The method comprises the steps that physiological characteristic information of a user is acquired before performing mobile payment operation; whether the physiological characteristic information and the pre-stored authorized physiological characteristic information are matched is compared, and if the comparison result is yes, identification information of an authorized hot spot is requested to a binding terminal; and whether the identification information of the authorized hot spot is consistent with identification information of a currently accessed hot spot is compared, and if the comparison result is yes, mobile support operation is performed. With application of the mobile payment method, security of mobile payment can be enhanced.
Description
Technical field
The present invention relates to communication technical field, be specifically related to a kind of method of mobile payment and system, mobile terminal.
Background technology
Universal along with mobile terminal, mobile payment more and more becomes one of modes of payments that people commonly use.Mobile payment has conveniently feature, but the security simultaneously how improving mobile payment is also the problem that user is concerned about especially.In actual applications, when performing mobile payment, usually allowing user input payment cipher, and carrying out payment cipher checking, after payment cipher is verified, allows mobile payment to operate again.But payment cipher has the risk revealed and steal, once steal mobile terminal and payment cipher, stranger just can utilize the account of user to carry out mobile payment, and therefore security is lower.
Summary of the invention
The embodiment of the invention discloses a kind of method of mobile payment and system, mobile terminal, the security of mobile payment can be improved.
Embodiment of the present invention first aspect discloses a kind of method of mobile payment, comprising:
Before execution mobile payment operation, gather the physiological characteristic information of user;
Whether more described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, if coupling, to the identification information of binding terminal request mandate focus;
Whether the identification information of more described mandate focus is consistent with the identification information of the focus of current access, if unanimously, performs mobile support and operates.
In embodiment of the present invention first aspect, described before execution mobile payment operation, gather the physiological characteristic information of user, comprising:
Before execution mobile payment operation, gather the finger print information of user;
Whether described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, comprising:
Whether more described finger print information mates with the mandate finger print information of pre-stored.
In embodiment of the present invention first aspect, described before execution mobile payment operation, gather the physiological characteristic information of user, comprising:
Before execution mobile payment operation, gather the iris information of user;
Whether described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, comprising:
Whether more described iris information mates with the mandate iris information of pre-stored.
In embodiment of the present invention first aspect, described before execution mobile payment operation, gather the physiological characteristic information of user, comprising:
Before execution mobile payment operation, gather finger print information and the iris information of user;
Whether described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, comprising:
Whether more described finger print information mates with the mandate finger print information of pre-stored, and whether described iris information mates with the mandate iris information of pre-stored.
In embodiment of the present invention first aspect, after the identification information of more described mandate focus is consistent with the identification information of the focus of current access, described method also comprises:
Export information, described information is for pointing out input password;
Receive the password of the described information input of response;
Verify described password, if be proved to be successful, the step of support operation is moved in the execution described in execution.
Embodiment of the present invention second aspect discloses a kind of mobile terminal, comprising:
Collecting unit, for before execution mobile payment operation, gathers the physiological characteristic information of user;
Whether the first comparing unit, mate with the mandate physiological characteristic information of pre-stored for more described physiological characteristic information;
Request unit, for when the comparative result of described first comparing unit is for being, to the identification information of binding terminal request mandate focus;
Second comparing unit, for the identification information of more described mandate focus and the identification information of the focus of current access whether consistent;
Performance element, for when the comparative result of described second comparing unit is being, performing mobile support and operating.
In embodiment of the present invention second aspect, described collecting unit is used for, before execution mobile payment operation, gathering the finger print information of user;
Whether described first comparing unit is used for more described finger print information and mates with the mandate finger print information of pre-stored.
In embodiment of the present invention second aspect, described collecting unit is used for, before execution mobile payment operation, gathering the iris information of user;
Whether described first comparing unit is used for more described iris information and mates with the mandate iris information of pre-stored.
In embodiment of the present invention second aspect, described collecting unit is used for, before execution mobile payment operation, gathering finger print information and the iris information of user;
Whether described first comparing unit is used for more described finger print information and mates with the mandate finger print information of pre-stored, and whether described iris information mates with the mandate iris information of pre-stored.
In embodiment of the present invention second aspect, described mobile terminal also comprises:
Interactive unit, for after the identification information of the second comparing unit more described mandate focus is consistent with the identification information of the focus of current access, export information, described information is for pointing out input password; And, receive the password of the described information input of response;
Authentication unit, for verifying described password, if be proved to be successful, trigger described performance element perform described in be perform the mobile step supporting operation when the comparative result of described second comparing unit is.
The embodiment of the present invention third aspect discloses a kind of mobile-payment system, comprises the binding terminal of mobile terminal and described mobile terminal, wherein:
Described mobile terminal, for before execution mobile payment operation, gathers the physiological characteristic information of user; Whether more described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, if coupling, sends a request message to described binding terminal, and described request message is for asking the identification information of authorizing focus;
Described binding terminal, for receiving the request message that described mobile terminal sends, and responds described request message and sends to described mobile terminal by authorizing the identification information of focus;
Described mobile terminal, also for the identification information of more described mandate focus and the identification information of the focus of current access whether consistent, if unanimously, perform and mobile support operation.
Compared with prior art, the embodiment of the present invention has following beneficial effect:
In the embodiment of the present invention, mobile terminal first can gather the physiological characteristic information of user before performing mobile payment operation, and after comparing this physiological characteristic information and mating with the mandate physiological characteristic information of pre-stored, further to the identification information of binding terminal request mandate focus, when the identification information comparing this mandate focus is consistent with the identification information of the focus of current access, just perform mobile support to operate, thus the security of mobile payment can be improved.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of a kind of method of mobile payment disclosed in the embodiment of the present invention;
Fig. 2 is the schematic flow sheet of another kind of method of mobile payment disclosed in the embodiment of the present invention;
Fig. 3 is the modular diagram of a kind of mobile terminal disclosed in the embodiment of the present invention;
Fig. 4 is the modular diagram of another kind of mobile terminal disclosed in the embodiment of the present invention;
Fig. 5 is the schematic flow sheet of a kind of mobile-payment system disclosed in the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The embodiment of the invention discloses a kind of method of mobile payment and system, mobile terminal, the security of mobile payment can be improved.Below be described in detail respectively.
Refer to Fig. 1, Fig. 1 is the schematic flow sheet of a kind of method of mobile payment disclosed in the embodiment of the present invention.As shown in Figure 1, this method of mobile payment can comprise the following steps.
101, mobile terminal is before execution mobile payment operation, gathers the physiological characteristic information of user.
In the embodiment of the present invention, mobile terminal can comprise cell phone, panel computer, personal digital assistant (PersonalDigitalAssistant, PDA), mobile internet device (MobileInternetDevice, all kinds of mobile terminal such as MID), the embodiment of the present invention is not construed as limiting.
In the embodiment of the present invention, the physiological characteristic information of user can comprise the finger print information, iris information etc. of user.
For example, mobile terminal is before execution mobile payment operation, the finger print information of the fingerprint recognition module input user that user can be pointed out to pass through mobile terminal, makes mobile terminal can collect the finger print information of user, and using the physiological characteristic information of the finger print information of user as user.
For example, mobile terminal, before execution mobile payment operation, can be pointed out user to input iris information, and gather the iris information of user.Particularly, mobile terminal can call camera and catch user's face, and carries out analyzing and processing to user's face, extracts the iris image of user, then carries out signature analysis to the iris image of user, extract corresponding iris information.
102, whether mobile terminal compares this physiological characteristic information and mates with the mandate physiological characteristic information of pre-stored, if coupling, performs step 103; Otherwise, if do not mated, point out this physiological characteristic information not mate with the mandate physiological characteristic information of pre-stored, process ends.
In the embodiment of the present invention, for example, when the physiological characteristic information of the user collected in above-mentioned steps 101 is the finger print information of user, in step 102, whether mobile terminal compares this physiological characteristic information and mates can comprise with the mandate physiological characteristic information of pre-stored:
Whether mobile terminal compares this finger print information and mates with the mandate finger print information of pre-stored, if coupling, determine that this physiological characteristic information is mated with the mandate physiological characteristic information of pre-stored, otherwise, determine that this physiological characteristic information is not mated with the mandate physiological characteristic information of pre-stored.
In the embodiment of the present invention, for example, when the physiological characteristic information of the user collected in above-mentioned steps 101 is the iris information of user, in step 102, whether mobile terminal compares this physiological characteristic information and mates can comprise with the mandate physiological characteristic information of pre-stored:
Whether mobile terminal compares this iris information and mates with the mandate iris information of pre-stored, if coupling, determine that this physiological characteristic information is mated with the mandate physiological characteristic information of pre-stored, otherwise, determine that this physiological characteristic information is not mated with the mandate physiological characteristic information of pre-stored.
In the embodiment of the present invention, for example, when the physiological characteristic information of the user collected in above-mentioned steps 101 is finger print information and the iris information of user, in step 102, whether mobile terminal compares this physiological characteristic information and mates can comprise with the mandate physiological characteristic information of pre-stored:
Whether mobile terminal compares this finger print information and mates with the mandate finger print information of pre-stored, if coupling, relatively whether this iris information mates with the mandate iris information of pre-stored, if coupling, determine that this physiological characteristic information is mated with the mandate physiological characteristic information of pre-stored, otherwise, if this finger print information does not mate with the mandate finger print information of pre-stored, and/or, if this iris information is not mated with the mandate iris information of pre-stored, determine that this physiological characteristic information is not mated with the mandate physiological characteristic information of pre-stored.
103, mobile terminal is to the identification information of binding terminal request mandate focus.
In the embodiment of the present invention, in above-mentioned steps 103, mobile terminal can to binding terminal request message, and this request message is for asking the identification information of authorizing focus, and mobile terminal can receive the identification information that binding terminal responds the mandate focus that this request message sends.
In the embodiment of the present invention, binding terminal can comprise cell phone, panel computer, all kinds of mobile terminal such as PDA, MID, and the embodiment of the present invention is not construed as limiting.
In the embodiment of the present invention, authorize the identification information of focus can comprise the title, account etc. of authorizing focus, the embodiment of the present invention is not construed as limiting.Wherein, authorize focus can be the focus that binding terminal accesses, or authorize focus to may not be the focus of binding terminal access, the embodiment of the present invention be not construed as limiting.
104, whether mobile terminal to compare the identification information of this mandate focus consistent with the identification information of the focus of current access, if unanimously, performs step 105; Otherwise, point out the identification information of the focus of the identification information of this mandate focus and current access inconsistent, process ends.
105, mobile terminal performs mobile support operation.
In the method described by Fig. 1, mobile terminal first can gather the physiological characteristic information of user before performing mobile payment operation, and after comparing this physiological characteristic information and mating with the mandate physiological characteristic information of pre-stored, further to the identification information of binding terminal request mandate focus, when the identification information comparing this mandate focus is consistent with the identification information of the focus of current access, just perform mobile support to operate, thus the security of mobile payment can be improved.
Refer to Fig. 2, Fig. 2 is the schematic flow sheet of another kind of method of mobile payment disclosed in the embodiment of the present invention.As shown in Figure 2, this method of mobile payment can comprise the following steps.
201, mobile terminal is before execution mobile payment operation, gathers the physiological characteristic information of user.
In the embodiment of the present invention, the physiological characteristic information of user can comprise the finger print information, iris information etc. of user.
For example, mobile terminal is before execution mobile payment operation, the finger print information of the fingerprint recognition module input user that user can be pointed out to pass through mobile terminal, makes mobile terminal can collect the finger print information of user, and using the physiological characteristic information of the finger print information of user as user.
For example, mobile terminal, before execution mobile payment operation, can be pointed out user to input iris information, and gather the iris information of user.Particularly, mobile terminal can call camera and catch user's face, and carries out analyzing and processing to user's face, extracts the iris image of user, then carries out signature analysis to the iris image of user, extract corresponding iris information.
202, whether mobile terminal compares this physiological characteristic information and mates with the mandate physiological characteristic information of pre-stored, if coupling, performs step 203; Otherwise, if do not mated, point out this physiological characteristic information not mate with the mandate physiological characteristic information of pre-stored, process ends.
In the embodiment of the present invention, for example, when the physiological characteristic information of the user collected in above-mentioned steps 201 is the finger print information of user, in step 202, whether mobile terminal compares this physiological characteristic information and mates can comprise with the mandate physiological characteristic information of pre-stored:
Whether mobile terminal compares this finger print information and mates with the mandate finger print information of pre-stored, if coupling, determine that this physiological characteristic information is mated with the mandate physiological characteristic information of pre-stored, otherwise, determine that this physiological characteristic information is not mated with the mandate physiological characteristic information of pre-stored.
In the embodiment of the present invention, for example, when the physiological characteristic information of the user collected in above-mentioned steps 201 is the iris information of user, in step 202, whether mobile terminal compares this physiological characteristic information and mates can comprise with the mandate physiological characteristic information of pre-stored:
Whether mobile terminal compares this iris information and mates with the mandate iris information of pre-stored, if coupling, determine that this physiological characteristic information is mated with the mandate physiological characteristic information of pre-stored, otherwise, determine that this physiological characteristic information is not mated with the mandate physiological characteristic information of pre-stored.
In the embodiment of the present invention, for example, when the physiological characteristic information of the user collected in above-mentioned steps 201 is finger print information and the iris information of user, in step 202, whether mobile terminal compares this physiological characteristic information and mates can comprise with the mandate physiological characteristic information of pre-stored:
Whether mobile terminal compares this finger print information and mates with the mandate finger print information of pre-stored, if coupling, relatively whether this iris information mates with the mandate iris information of pre-stored, if coupling, determine that this physiological characteristic information is mated with the mandate physiological characteristic information of pre-stored, otherwise, if this finger print information does not mate with the mandate finger print information of pre-stored, and/or, if this iris information is not mated with the mandate iris information of pre-stored, determine that this physiological characteristic information is not mated with the mandate physiological characteristic information of pre-stored.
203, mobile terminal is to the identification information of binding terminal request mandate focus.
In the embodiment of the present invention, in above-mentioned steps 203, mobile terminal can to binding terminal request message, and this request message is for asking the identification information of authorizing focus, and mobile terminal can receive the identification information that binding terminal responds the mandate focus that this request message sends.
In the embodiment of the present invention, binding terminal can comprise cell phone, panel computer, all kinds of mobile terminal such as PDA, MID, and the embodiment of the present invention is not construed as limiting.
In the embodiment of the present invention, authorize the identification information of focus can comprise the title, account etc. of authorizing focus, the embodiment of the present invention is not construed as limiting.Wherein, authorize focus can be the focus that binding terminal accesses, or authorize focus to may not be the focus of binding terminal access, the embodiment of the present invention be not construed as limiting.
204, whether mobile terminal to compare the identification information of this mandate focus consistent with the identification information of the focus of current access, if unanimously, performs step 205; Otherwise, point out the identification information of the focus of the identification information of this mandate focus and current access inconsistent, process ends.
205, mobile device exports information, and this information is for pointing out input password.
206, mobile device receives the password of this information of response input.
207, the password of mobile device to input is verified, if be proved to be successful, performs step 208; Otherwise, if authentication failed, prompt cipher authentication failed, process ends.
208, mobile terminal performs mobile support operation.
In the method described by Fig. 2, mobile terminal first can gather the physiological characteristic information of user before performing mobile payment operation, and after comparing this physiological characteristic information and mating with the mandate physiological characteristic information of pre-stored, further to the identification information of binding terminal request mandate focus, when the identification information comparing this mandate focus is consistent with the identification information of the focus of current access, verify the password of input further, and support operation at the password of checking input by just performing to move afterwards, thus the security of mobile payment can be improved.
Refer to Fig. 3, Fig. 3 is the structural representation of a kind of mobile terminal disclosed in the embodiment of the present invention.As shown in Figure 3, this mobile terminal can comprise:
Collecting unit 301, for before execution mobile payment operation, gathers the physiological characteristic information of user;
Whether the first comparing unit 302, mate with the mandate physiological characteristic information of pre-stored for comparing this physiological characteristic information;
Request unit 303, for when the comparative result of the first comparing unit 302 is for being, to the identification information of binding terminal request mandate focus;
Whether the second comparing unit 304, authorize the identification information of focus consistent with the identification information of the focus of current access for comparing;
Performance element 305, for when the comparative result of the second comparing unit 304 is being, performing mobile support and operating.
In one embodiment, collecting unit 301, for before execution mobile payment operation, gathers the finger print information of user;
Correspondingly, whether the first comparing unit 302 mates with the mandate finger print information of pre-stored for comparing this finger print information.
In another embodiment, collecting unit 301, for before execution mobile payment operation, gathers the iris information of user;
Correspondingly, whether the first comparing unit 302 mates with the mandate iris information of pre-stored for comparing this iris information.
In another embodiment, collecting unit 301, for before execution mobile payment operation, gathers finger print information and the iris information of user;
Correspondingly, whether the first comparing unit 302 mates with the mandate finger print information of pre-stored for comparing this finger print information, and whether this iris information mates with the mandate iris information of pre-stored.
See also Fig. 4, Fig. 4 is the structural representation of another kind of mobile terminal disclosed in the embodiment of the present invention.Wherein, the mobile terminal shown in Fig. 4 is that mobile terminal is as shown in Figure 3 optimized and obtains.Compared with the mobile terminal shown in Fig. 3, the mobile terminal shown in Fig. 4 can also comprise:
Interactive unit 306, after the identification information for comparing this mandate focus at the second comparing unit 304 is consistent with the identification information of the focus of current access, export information, this information is for pointing out input password; And, receive the password of this information of response input;
Authentication unit 307, for verifying the password of input, if be proved to be successful, triggering performance element 305, to perform above-mentioned be perform the mobile step supporting operation when the comparative result of the second comparing unit 304 is.
In the mobile terminal described by Fig. 3 ~ Fig. 4, mobile terminal first can gather the physiological characteristic information of user before performing mobile payment operation, and after comparing this physiological characteristic information and mating with the mandate physiological characteristic information of pre-stored, further to the identification information of binding terminal request mandate focus, when the identification information comparing this mandate focus is consistent with the identification information of the focus of current access, or verify the password of input further again, and support operation at the password of checking input by just performing to move afterwards, thus the security of mobile payment can be improved.
Refer to Fig. 5, Fig. 5 is the structural representation of a kind of mobile-payment system disclosed in the embodiment of the present invention.As shown in Figure 5, this mobile-payment system can comprise:
The binding terminal 502 of mobile terminal 501 and mobile terminal 501, wherein, mobile terminal 501 and binding terminal 502 can communicate to connect to wirelessly; Wherein:
Mobile terminal 501, for before execution mobile payment operation, gathers the physiological characteristic information of user; Relatively whether this physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, if coupling, sends a request message to binding terminal 502, and this request message is for asking the identification information of authorizing focus;
Binding terminal 502, for the request message that mobile terminal receive 501 sends, and responds this request message and sends to mobile terminal 501 by authorizing the identification information of focus;
Mobile terminal 501, whether the identification information also for the identification information with the focus of current access that compare this mandate focus is consistent, if unanimously, performs mobile support and operates.
In one embodiment, mobile terminal 501 is also for after the identification information comparing this mandate focus is consistent with the identification information of the focus of current access, and export information, this information is for pointing out input password; And, receive the password of this information of response input; And, the password of input is verified, if be proved to be successful, performs the step that support operation is moved in above-mentioned execution.
In the mobile-payment system described by Fig. 5, mobile terminal first can gather the physiological characteristic information of user before performing mobile payment operation, and after comparing this physiological characteristic information and mating with the mandate physiological characteristic information of pre-stored, further to the identification information of binding terminal request mandate focus, when the identification information comparing this mandate focus is consistent with the identification information of the focus of current access, or verify the password of input further again, and support operation at the password of checking input by just performing to move afterwards, thus the security of mobile payment can be improved.
One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodiment is that the hardware that can carry out instruction relevant by program has come, this program can be stored in a computer-readable recording medium, storage medium comprises ROM (read-only memory) (Read-OnlyMemory, ROM), random access memory (RandomAccessMemory, RAM), programmable read only memory (ProgrammableRead-onlyMemory, PROM), Erasable Programmable Read Only Memory EPROM (ErasableProgrammableReadOnlyMemory, EPROM), disposable programmable ROM (read-only memory) (One-timeProgrammableRead-OnlyMemory, OTPROM), the electronics formula of erasing can make carbon copies ROM (read-only memory) (Electrically-ErasableProgrammableRead-OnlyMemory, EEPROM), read-only optical disc (CompactDiscRead-OnlyMemory, or other optical disc memorys CD-ROM), magnetic disk memory, tape memory, or can be used in any other medium computer-readable carrying or store data.
Above a kind of method of mobile payment disclosed in the embodiment of the present invention and system, mobile terminal are described in detail, apply specific case herein to set forth principle of the present invention and embodiment, the explanation of above embodiment just understands method of the present invention and core concept thereof for helping; Meanwhile, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (11)
1. a method of mobile payment, is characterized in that, comprising:
Before execution mobile payment operation, gather the physiological characteristic information of user;
Whether more described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, if coupling, to the identification information of binding terminal request mandate focus;
Whether the identification information of more described mandate focus is consistent with the identification information of the focus of current access, if unanimously, performs mobile support and operates.
2. method of mobile payment according to claim 1, is characterized in that, described before execution mobile payment operation, gathers the physiological characteristic information of user, comprising:
Before execution mobile payment operation, gather the finger print information of user;
Whether described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, comprising:
Whether more described finger print information mates with the mandate finger print information of pre-stored.
3. method of mobile payment according to claim 1, is characterized in that, described before execution mobile payment operation, gathers the physiological characteristic information of user, comprising:
Before execution mobile payment operation, gather the iris information of user;
Whether described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, comprising:
Whether more described iris information mates with the mandate iris information of pre-stored.
4. method of mobile payment according to claim 1, is characterized in that, described before execution mobile payment operation, gathers the physiological characteristic information of user, comprising:
Before execution mobile payment operation, gather finger print information and the iris information of user;
Whether described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, comprising:
Whether more described finger print information mates with the mandate finger print information of pre-stored, and whether described iris information mates with the mandate iris information of pre-stored.
5. the method for mobile payment according to any one of Claims 1 to 4, is characterized in that, after the identification information of more described mandate focus is consistent with the identification information of the focus of current access, described method also comprises:
Export information, described information is for pointing out input password;
Receive the password of the described information input of response;
Verify described password, if be proved to be successful, the step of support operation is moved in the execution described in execution.
6. a mobile terminal, is characterized in that, comprising:
Collecting unit, for before execution mobile payment operation, gathers the physiological characteristic information of user;
Whether the first comparing unit, mate with the mandate physiological characteristic information of pre-stored for more described physiological characteristic information;
Request unit, for when the comparative result of described first comparing unit is for being, to the identification information of binding terminal request mandate focus;
Second comparing unit, for the identification information of more described mandate focus and the identification information of the focus of current access whether consistent;
Performance element, for when the comparative result of described second comparing unit is being, performing mobile support and operating.
7. mobile terminal according to claim 6, is characterized in that, described collecting unit is used for, before execution mobile payment operation, gathering the finger print information of user;
Whether described first comparing unit is used for more described finger print information and mates with the mandate finger print information of pre-stored.
8. mobile terminal according to claim 6, is characterized in that, described collecting unit is used for, before execution mobile payment operation, gathering the iris information of user;
Whether described first comparing unit is used for more described iris information and mates with the mandate iris information of pre-stored.
9. mobile terminal according to claim 6, is characterized in that, described collecting unit is used for, before execution mobile payment operation, gathering finger print information and the iris information of user;
Whether described first comparing unit is used for more described finger print information and mates with the mandate finger print information of pre-stored, and whether described iris information mates with the mandate iris information of pre-stored.
10. the mobile terminal according to any one of Claims 1 to 4, is characterized in that, described mobile terminal also comprises:
Interactive unit, for after the identification information of the second comparing unit more described mandate focus is consistent with the identification information of the focus of current access, export information, described information is for pointing out input password; And, receive the password of the described information input of response;
Authentication unit, for verifying described password, if be proved to be successful, trigger described performance element perform described in be perform the mobile step supporting operation when the comparative result of described second comparing unit is.
11. 1 kinds of mobile-payment systems, is characterized in that, comprise the binding terminal of mobile terminal and described mobile terminal, wherein:
Described mobile terminal, for before execution mobile payment operation, gathers the physiological characteristic information of user; Whether more described physiological characteristic information mates with the mandate physiological characteristic information of pre-stored, if coupling, sends a request message to described binding terminal, and described request message is for asking the identification information of authorizing focus;
Described binding terminal, for receiving the request message that described mobile terminal sends, and responds described request message and sends to described mobile terminal by authorizing the identification information of focus;
Described mobile terminal, also for the identification information of more described mandate focus and the identification information of the focus of current access whether consistent, if unanimously, perform and mobile support operation.
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| CN201510364002.3A CN105046484A (en) | 2015-06-25 | 2015-06-25 | Mobile payment method and system and mobile terminal |
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| CN201510364002.3A CN105046484A (en) | 2015-06-25 | 2015-06-25 | Mobile payment method and system and mobile terminal |
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