CN105488680A - Payment method and device - Google Patents
Payment method and device Download PDFInfo
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- CN105488680A CN105488680A CN201510854609.XA CN201510854609A CN105488680A CN 105488680 A CN105488680 A CN 105488680A CN 201510854609 A CN201510854609 A CN 201510854609A CN 105488680 A CN105488680 A CN 105488680A
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- biological information
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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
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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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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
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- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
Abstract
The embodiment of the invention discloses a payment method and device. A terminal runs at least two operating systems simultaneously, and the at least two operating systems comprise a secure payment system. The method comprises the following steps: when detecting a payment operation of a user, entering the secure payment system and collecting biological characteristic information of the user; performing identity authentication on the user according to the collected biological characteristic information of the user; if the authentication is successful, then generating a payment request according to the payment operation; and transmitting the payment request to a target transaction server to pay. By adopting the payment method and device of the invention, the biological characteristic information of the user can be collected through the secure payment system and authentication can be performed, therefore, the security and convenience of terminal payment can be improved.
Description
Technical field
The present invention relates to terminal payment technical field, particularly relate to a kind of method of payment and device thereof.
Background technology
Along with the development of ecommerce and the lifting of terminal technology, increasing user selects to adopt terminal to pay.
At present, the modes of payments of terminal is generally password authentification and pays, and such as, user, when choosing certain commodity, makes interface jump to installation payment application by sending payment instruction, and carries out payment transaction by input username and password.Said method all needs user to input password when each transaction, Consumer's Experience is not good, and if other malice watchdog routine is installed in the terminal by mistake, user inputs the operating process of password and user name may be monitored, thus cause password to be revealed, cause great potential safety hazard.
Summary of the invention
The embodiment of the present invention provides a kind of method of payment and device thereof, gathers the biological information of user and carry out authentication by safety payment system, to improving security and the convenience of terminal payment.
Embodiments provide a kind of method of payment, it is characterized in that, terminal runs at least two operating systems simultaneously, described at least two terminal operating systems, and described multiple operating system comprises a safety payment system, and described method comprises:
When the delivery operation of user being detected, enter the biological information gathering described user in described safety payment system;
Biological information according to the described user collected carries out identification authentication to described user;
If authentication success, generates according to described delivery operation the request of payment;
Described payment request is sent to target transaction server to pay.
Correspondingly, the embodiment of the present invention additionally provides a kind of payment mechanism, and terminal runs at least two operating systems simultaneously, and described at least two operating systems comprise a safety payment system, and described device comprises:
Collecting unit, for when the delivery operation of user being detected, enters the biological information gathering described user in described safety payment system;
Authenticating unit, for carrying out identification authentication according to the biological information of the described user collected to described user;
Request generation unit, if for described subscriber identity authentication success, generate according to described delivery operation the request of payment;
Transmitting element, for being sent to target transaction server to pay by described payment request.
Adopt the embodiment of the present invention, by detecting the delivery operation of user, and enter the biological information gathering described user in described safety payment system, then according to the biological information of the described user collected, identification authentication is carried out to described user, if authentication success, generate according to described delivery operation the request of payment, described payment request is sent to target transaction server to pay, improve security and the convenience of terminal payment.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for logical technician, under the prerequisite not paying creative work, its this area his accompanying drawing general can also be obtained according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of a kind of method of payment that the embodiment of the present invention provides;
Fig. 2 is the schematic flow sheet of the another kind of method of payment that the embodiment of the present invention provides;
Fig. 3 is the structural representation of a kind of payment mechanism that the embodiment of the present invention provides;
Fig. 4 is the structural representation of the another kind of payment mechanism that the embodiment of the present invention provides;
Fig. 5 is the structural representation of the authenticating unit that the embodiment of the present invention provides.
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 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.
In the embodiment of the present invention, can comprise at least two operating systems in terminal, wherein, at least two operating systems comprise a safety payment system, for realizing secure payment in process of exchange, this safety payment system can be provided with the Android system paying application.Other system in terminal can comprise a management control system, and for managing the operation of other each system controlled except management system, such as control terminal enters safety payment system to carry out paying etc.Wherein, also comprise non-security payment system in multiple operating system, non-security payment system refers to the operating system except safety payment system, may be used for installing various application to realize different functions.
Please refer to Fig. 1, be the schematic flow sheet of a kind of method of payment that the embodiment of the present invention provides, as shown in Figure 1, the described method of the embodiment of the present invention can comprise the following steps S101 ~ step S104.
S101, when the delivery operation of user being detected, enters the biological information gathering described user in described safety payment system.
In specific implementation, when the delivery operation of user being detected, described terminal enters the biological information gathering described user in described safety payment system.In the embodiment of the present invention, user refers to the current user needing the payment function using terminal, when user needs to adopt terminal to pay, delivery operation can be a series of actions being generated initial order by actions such as user's touch controllable function buttons, and described initial order can comprise merchandise classification, unit price, number, total charge, order number etc.When terminal detects the delivery operation of user, current interface can be switched to the interface of safety payment system, enter safety payment system, the initial order of generation can be passed to safety payment system simultaneously.Physical characteristics collecting sensor can be called to gather the biological information of user by safety payment system by terminal, wherein, biological information can be one or more combinations in Characteristics of electrocardiogram shape information, fingerprint feature information, iris feature information and face characteristic information etc.
S102, the biological information according to the described user collected carries out identification authentication to described user.
In specific implementation, described terminal carries out identification authentication according to the biological information of the described user collected to described user.In the embodiment of the present invention, biological information can be preset in advance by safety payment system collection, when collecting the biological information of user, can by the biological information of user and default biological information be compared, carry out identification authentication with user, thus can pay safely.
S103, if authentication success, generates according to described delivery operation the request of payment.
In specific implementation, if the success of described terminal authentication, described safety payment system can generate according to described delivery operation the request of payment.In order to safety of guaranteeing payment, first can carry out authentication by biological information, if authentication success, then illustrate that described user is for validated user, has the authority of control terminal payment function.Security system receives the initial order generated in delivery operation, adds and exempts from secret mark knowledge or encrypted message, to generate the request of payment at initial order.
S104, is sent to target transaction server to pay by described payment request.
In specific implementation, described payment request is sent to target transaction server to pay by described terminal.In the embodiment of the present invention, terminal can pass through VPN (virtual private network) (VirtualPrivateNetwork, VPN) be connected with target transaction server, and send to target transaction server, to pay by carrying the payment request of exempting from secret mark knowledge or encrypted message.Adopt VPN linking objective trading server and terminal, factor data can be avoided to reveal the potential safety hazard caused, guarantee safety of payment.
Adopt the embodiment of the present invention, by detecting the delivery operation of user, and enter the biological information gathering described user in described safety payment system, then according to the biological information of the described user collected, identification authentication is carried out to described user, if authentication success, generate according to described delivery operation the request of payment, described payment request is sent to target transaction server to pay, improve security and the convenience of terminal payment.
Refer to Fig. 2, for embodiments providing the schematic flow sheet of another kind of method of payment.As shown in Figure 2, the described method of the embodiment of the present invention can comprise the following steps S201 ~ step S209.
S201, is also stored by described safety payment system typing and presets biological information.
In specific implementation, terminal is by described safety payment system typing and biological information is preset in storage.In the embodiment of the present invention, terminal can be called physical characteristics collecting sensor by safety payment system and preset biological information with typing, and is stored in safety payment system by default biological information.Because ecg characteristics waveform is all comparatively stable as reflected the T waveform of the P waveform of the process of depolarization of heart muscle, the QPR waveform of the process of depolarization of reflection ventricular muscles, the process of repolarization of reflection ventricular muscles, do not affected by the mood of people, motion or external environment, and the ecg characteristics waveform of people affects by age, body weight, mood, sex, cardiac position, cardiac size etc., therefore different people has different Characteristics of electrocardiogram, meet the uniqueness requirement of identification, can be used for carrying out identification to user.Biological information can comprise one or more combinations in Characteristics of electrocardiogram shape information, fingerprint feature information, iris feature information and face characteristic information.
S202, when the delivery operation of user being detected, determines that described delivery operation initiation is the operating system of front stage operation.
In specific implementation, when the delivery operation of user being detected, described terminal determines that described delivery operation initiation is the operating system of front stage operation.In the embodiment of the present invention, user refers to the current user needing the payment function using terminal, delivery operation can be a series of actions being generated initial order by actions such as user's touch controllable function buttons, and described initial order can comprise merchandise classification, unit price, number, total charge, order number etc.Because terminal can comprise multiple operating system as Android operation system, when the delivery operation of user being detected, determining that described delivery operation is initiated is the operating system that terminal foreground is being run, the type of described operating system can be judged further, if the operating system of described front stage operation is non-safety payment system, perform step S203, if the operating system of described front stage operation is safety payment system, perform step S204.
S203, if described delivery operation system belongs to non-security payment system, control terminal is safety payment system described in front stage operation, and enters the biological information gathering described user in described safety payment system.
In specific implementation, if described delivery operation system belongs to non-security payment system, described terminal control terminal safety payment system described in front stage operation, and enter the biological information gathering described user in described safety payment system.In the embodiment of the present invention, if described delivery operation system belongs to non-security payment system, terminal can control terminal safety payment system described in front stage operation, and being sent in safety payment system as sequence information etc. that delivery operation is produced.Safety payment system receives sequence information, can call physical characteristics collecting sensor to gather the biological information of user by the mode of steering order.
S204, if the operating system of described front stage operation is described safety payment system, enters the biological information gathering described user in described safety payment system.
In specific implementation, if the operating system of described front stage operation is described safety payment system, described terminal enters the biological information gathering described user in described safety payment system.In the embodiment of the present invention, if described delivery operation system belongs to described safety payment system, terminal directly can be generated to sequence information by safety payment system, and calls physical characteristics collecting sensor to gather the biological information of user by the mode of steering order.
S205, compares described biological information and described default biological information.
In specific implementation, described biological information and described default biological information are compared by described terminal.Such as, the ecg characteristics waveform collected and the ecg characteristics waveform preset can compare by terminal, if the match index is relatively greater than or equal to predetermined threshold value, illustrate that matching degree is very high, can determine that user is consistent with the user identity of default biological information, can step S206 be performed, if the match index is relatively lower than predetermined threshold value, illustrate that matching degree is lower, can determine that the user identity of user and default biological information is inconsistent, perform step S207.
S206, if comparison is consistent, determines the success of described subscriber identity authentication.
In specific implementation, if comparison is consistent, described terminal determines the success of described subscriber identity authentication.Perform step S208.
S207, if comparison is inconsistent, exports the information without obligation authority.
In specific implementation, if comparison is inconsistent, described terminal exports the information without obligation authority.
S208, if authentication success, generates according to described delivery operation the request of payment.
In specific implementation, if the success of described terminal authentication, described terminal generates according to described delivery operation the request of payment.In order to safety of guaranteeing payment, terminal, when carrying out delivery operation, first can carry out authentication by biological information, if authentication success, then illustrates that described user is for validated user, has the authority of control terminal payment function.Security system receives the initial order generated in delivery operation, adds and exempts from secret mark knowledge or encrypted message, to generate the request of payment at initial order.
S209, is sent to target transaction server to pay by described payment request.
In specific implementation, described payment request is sent to target transaction server to pay by described terminal.In the embodiment of the present invention, terminal can be connected with target transaction server by VPN, and by carry encrypted message or exempt from secret mark know payment request send to target transaction server, to pay.Adopt VPN linking objective trading server and terminal, factor data can be avoided to reveal the potential safety hazard caused, guarantee safety of payment.
Adopt the embodiment of the present invention, also can be stored by safety payment system typing and preset biological information, when the delivery operation of user being detected, judge operating system belonging to described delivery operation, run or directly enter in safety payment system the biological information gathering described user, and described biological information and described default biological information are compared, according to comparison result determination user identity, whether authentication is successful, if authentication success, the request of payment is generated according to described delivery operation, and described payment request is sent to target transaction server to pay, safety payment system is adopted to pay, improve the security of payment, adopt biological information to authenticating identity simultaneously, compare and directly carry out the input of password and user, it is more convenient to operate.
Below in conjunction with Fig. 3-Fig. 5, a kind of payment mechanism that the embodiment of the present invention provides is described in detail.It should be noted that, the device shown in Fig. 3-Fig. 5, for performing Fig. 1 of the present invention and method embodiment illustrated in fig. 2, for convenience of explanation, illustrate only the part relevant to the embodiment of the present invention, concrete ins and outs do not disclose, and please refer to the embodiment shown in Fig. 1 and Fig. 2 of the present invention.
Please refer to Fig. 3, be the structural representation of a kind of terminal that the embodiment of the present invention provides, this terminal comprises as lower unit: collecting unit 11, authenticating unit 12, request generation unit 13 and transmitting element 14.
Collecting unit 11, for when the delivery operation of user being detected, enters the biological information gathering described user in described safety payment system.
In specific implementation, when the delivery operation of user being detected, collecting unit 11 enters the biological information gathering described user in described safety payment system.In the embodiment of the present invention, user refers to the current user needing the payment function using terminal, when user needs to adopt terminal to pay, delivery operation can be a series of actions being generated initial order by actions such as user's touch controllable function buttons, and described initial order can comprise merchandise classification, unit price, number, total charge, order number etc.When terminal detects the delivery operation of user, current interface can be switched to the interface of safety payment system, enter safety payment system, the initial order of generation can be passed to safety payment system simultaneously.Collecting unit 11 can call physical characteristics collecting sensor to gather the biological information of user by safety payment system, wherein, biological information can be one or more combinations in Characteristics of electrocardiogram shape information, fingerprint feature information, iris feature information and face characteristic information etc.
Authenticating unit 12, for carrying out identification authentication according to the biological information of the described user collected to described user.
In specific implementation, authenticating unit 12 carries out identification authentication according to the biological information of the described user collected to described user.In the embodiment of the present invention, biological information can be preset in advance by safety payment system collection, when collecting the biological information of user, authenticating unit 12 can by comparing the biological information of user and default biological information, carry out identification authentication with user, thus can pay safely.
Request generation unit 13, if for described subscriber identity authentication success, generate according to described delivery operation the request of payment.
In specific implementation, if the success of described subscriber identity authentication, request generation unit 13 generates according to described delivery operation the request of payment.In order to safety of guaranteeing payment, first can carry out authentication by biological information, if authentication success, then illustrate that described user is for validated user, has the authority of control terminal payment function.Request generation unit 13 receives the initial order generated in delivery operation, adds and exempts from secret mark knowledge or encrypted message, to generate the request of payment at initial order.
Transmitting element 14, for being sent to target transaction server to pay by described payment request.
In specific implementation, described payment request is sent to target transaction server to pay by transmitting element 14.In the embodiment of the present invention, transmitting element 14 can be connected with target transaction server by VPN, and sends to target transaction server, to pay by carrying the payment request of exempting from secret mark knowledge or encrypted message.Adopt VPN linking objective trading server and terminal, factor data can be avoided to reveal the potential safety hazard caused, guarantee safety of payment.
Adopt the embodiment of the present invention, by detecting the delivery operation of user, and enter the biological information gathering described user in described safety payment system, then according to the biological information of the described user collected, identification authentication is carried out to described user, if authentication success, generate according to described delivery operation the request of payment, described payment request is sent to target transaction server to pay, improve security and the convenience of terminal payment.
Please refer to Fig. 4, be the structural representation of another payment mechanism that the embodiment of the present invention provides, this device comprises as lower unit: collecting unit 11, authenticating unit 12, request generation unit 13, transmitting element 14, determining unit 15 and default unit 16.
Presetting unit 16, presetting biological information for also being stored by described safety payment system typing.
In specific implementation, preset unit 16 and also store default biological information by described safety payment system typing.In the embodiment of the present invention, terminal can be called physical characteristics collecting sensor by safety payment system and preset biological information with typing, and is stored in safety payment system by default biological information.Because ecg characteristics waveform is all comparatively stable as reflected the T waveform of the P waveform of the process of depolarization of heart muscle, the QPR waveform of the process of depolarization of reflection ventricular muscles, the process of repolarization of reflection ventricular muscles, do not affected by the mood of people, motion or external environment, and the ecg characteristics waveform of people affects by age, body weight, mood, sex, cardiac position, cardiac size etc., therefore different people has different Characteristics of electrocardiogram, meet the uniqueness requirement of identification, can be used for carrying out identification to user.Biological information can comprise one or more combinations in Characteristics of electrocardiogram shape information, fingerprint feature information, iris feature information and face characteristic information.
Determining unit 15, for when the delivery operation of user being detected, determines that described delivery operation initiation is the operating system of front stage operation.
In specific implementation, when the delivery operation of user being detected, determining unit 15 determines that described delivery operation initiation is the operating system of front stage operation.In the embodiment of the present invention, user refers to the current user needing the payment function using terminal, delivery operation can be a series of actions being generated initial order by actions such as user's touch controllable function buttons, and described initial order can comprise merchandise classification, unit price, number, total charge, order number etc.Because terminal can comprise multiple operating system as Android operation system, when the delivery operation of user being detected, determining that described delivery operation initiation is the operating system of front stage operation, and collecting unit 11 can be called according to the type of described operating system further.
Collecting unit 11, if belong to non-security payment system for described delivery operation system, control terminal is safety payment system described in front stage operation, and enters the biological information gathering described user in described safety payment system.
In specific implementation, if described delivery operation system belongs to non-security payment system, collecting unit 11 control terminal safety payment system described in front stage operation, and enter the biological information gathering described user in described safety payment system.In the embodiment of the present invention, if described delivery operation system belongs to non-security payment system, collecting unit 11 can control terminal safety payment system described in front stage operation, and being sent in safety payment system as sequence information etc. that delivery operation is produced.Safety payment system receives sequence information, can call physical characteristics collecting sensor to gather the biological information of user by the mode of steering order.
Described collecting unit 11, if be also described safety payment system for the operating system of described front stage operation, enters the biological information gathering described user in described safety payment system.
In specific implementation, if the operating system of described front stage operation is described safety payment system, described collecting unit 11 enters the biological information gathering described user in described safety payment system.In the embodiment of the present invention, if described delivery operation system belongs to described safety payment system, terminal directly can be generated to sequence information by safety payment system, and calls physical characteristics collecting sensor to gather the biological information of user by the mode of steering order.
Authenticating unit 12, for carrying out identification authentication according to the biological information of the described user collected to described user.
Concrete, please with reference to Fig. 5, for embodiments providing the structural representation of authenticating unit 12.As shown in Figure 5, described authenticating unit 12 can comprise: comparer unit 121, determine subelement 122 and export subelement 123.
Comparer unit 121, for comparing described biological information and described default biological information.
In specific implementation, described biological information and described default biological information are compared by comparer unit 121.Such as, the ecg characteristics waveform collected and the ecg characteristics waveform preset can compare by comparer unit 121, if the match index is relatively greater than or equal to predetermined threshold value, illustrate that matching degree is very high, then can determine that user is consistent with the user identity of default biological information, can call and determine subelement 122, if the match index is relatively lower than predetermined threshold value, illustrate that matching degree is lower, can determine that the user identity of user and default biological information is inconsistent, illustrate, can call and export subelement 123.
Determine subelement 122, if consistent for comparison, determine the success of described subscriber identity authentication.
In specific implementation, if comparison is consistent, determine that the success of described subscriber identity authentication determined by subelement 122.Can call request generation unit 13.
Export subelement 123, if inconsistent for comparison, export the information without obligation authority.
In specific implementation, if comparison is inconsistent, export the information of subelement 123 output without obligation authority.
Request generation unit 13, if for authentication success, generate according to described delivery operation the request of payment.
In specific implementation, if the success of described terminal authentication, request generation unit 13 generates according to described delivery operation the request of payment.In order to safety of guaranteeing payment, terminal, when carrying out delivery operation, first can carry out authentication by biological information, if authentication success, then illustrates that described user is for validated user, has the authority of control terminal payment function.Security system receives the initial order generated in delivery operation, adds and exempts from secret mark knowledge or encrypted message, to generate the request of payment at initial order.
Transmitting element 14, for being sent to target transaction server to pay by described payment request.
In specific implementation, described payment request is sent to target transaction server to pay by transmitting element 14.In the embodiment of the present invention, terminal can be connected with target transaction server by VPN, by transmitting element 14 by carry encrypted message or exempt from secret mark know payment request send to target transaction server, to pay.Adopt VPN linking objective trading server and terminal, factor data can be avoided to reveal the potential safety hazard caused, guarantee safety of payment.
Adopt the embodiment of the present invention, also can be stored by safety payment system typing and preset biological information, when the delivery operation of user being detected, judge operating system belonging to described delivery operation, run or directly enter in safety payment system the biological information gathering described user, and described biological information and described default biological information are compared, according to comparison result determination user identity, whether authentication is successful, if authentication success, the request of payment is generated according to described delivery operation, and described payment request is sent to target transaction server to pay, safety payment system is adopted to pay, improve the security of payment, adopt biological information to authenticating identity simultaneously, compare and directly carry out the input of password and user, it is more convenient to operate.
One of ordinary skill in the art will appreciate that all or part of flow process realized in above-described embodiment method, that the hardware that can carry out instruction relevant by computer program has come, described program can be stored in a computer read/write memory medium, this program, when performing, can comprise the flow process of the embodiment as above-mentioned each side method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-OnlyMemory, ROM) or random store-memory body (RandomAccessMemory, RAM) etc.
Above disclosedly be only present pre-ferred embodiments, certainly can not limit the interest field of the present invention with this, therefore according to the equivalent variations that the claims in the present invention are done, still belong to the scope that the present invention is contained.
Claims (10)
1. a method of payment, is characterized in that, terminal runs at least two operating systems simultaneously, and described at least two operating systems comprise a safety payment system, and described method comprises:
When the delivery operation of user being detected, enter the biological information gathering described user in described safety payment system;
Biological information according to the described user collected carries out identification authentication to described user;
If authentication success, generates according to described delivery operation the request of payment;
Described payment request is sent to target transaction server to pay.
2. method according to claim 1, is characterized in that, described in delivery operation detected after, before entering the biological information gathering described user in described safety payment system, also comprise:
Determine that described delivery operation initiation is the operating system of front stage operation;
If the operating system of described front stage operation is non-safety payment system, control terminal is safety payment system described in front stage operation, then performs the step entering the biological information gathering described user in described safety payment system;
If the operating system of described front stage operation is described safety payment system, then perform the step entering the biological information gathering described user in described safety payment system.
3. method according to claim 1, is characterized in that, described biological information comprises one or more combinations in Characteristics of electrocardiogram shape information, fingerprint feature information, iris feature information and face characteristic information.
4. method according to claim 1, is characterized in that, the biological information of the described user that described basis collects also comprises before carrying out identification authentication to described user:
Also stored by described safety payment system typing and preset biological information.
5. method according to claim 4, is characterized in that, the biological information of the described user that described basis collects carries out identification authentication to described user, comprising:
Described biological information and described default biological information are compared;
If comparison is consistent, determine the success of described subscriber identity authentication;
If comparison is inconsistent, export the information without obligation authority.
6. a payment mechanism, is characterized in that, terminal runs at least two operating systems simultaneously, and described at least two operating systems comprise a safety payment system, and described device comprises:
Collecting unit, for when the delivery operation of user being detected, enters the biological information gathering described user in described safety payment system;
Authenticating unit, for carrying out identification authentication according to the biological information of the described user collected to described user;
Request generation unit, if for described subscriber identity authentication success, generate according to described delivery operation the request of payment;
Transmitting element, for being sent to target transaction server to pay by described payment request.
7. device according to claim 6, is characterized in that, also comprises:
Determining unit, for when the delivery operation of user being detected, determines that described delivery operation initiation is the operating system of front stage operation;
If described collecting unit is also non-safety payment system for the operating system of described front stage operation, control terminal is safety payment system described in front stage operation, enters the biological information gathering described user in described safety payment system;
If described collecting unit is also described safety payment system for the operating system of described front stage operation, then enter the biological information gathering described user in described safety payment system.
8. device according to claim 6, is characterized in that, described biological information comprises one or more combinations in Characteristics of electrocardiogram shape information, fingerprint feature information, iris feature information and face characteristic information.
9. device according to claim 6, is characterized in that, also comprises:
Presetting unit, presetting biological information for also being stored by described safety payment system typing.
10. device according to claim 9, is characterized in that, described authenticating unit, comprising:
Comparer unit, for comparing described biological information and described default biological information;
Determine subelement, if compare consistent for described biological information with described default biological information, determine the success of described subscriber identity authentication;
Export subelement, if compare inconsistent for described biological information and described default biological information, export the information without obligation authority.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510854609.XA CN105488680A (en) | 2015-11-27 | 2015-11-27 | Payment method and device |
| PCT/CN2016/074888 WO2017088316A1 (en) | 2015-11-27 | 2016-02-29 | Payment method and device thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510854609.XA CN105488680A (en) | 2015-11-27 | 2015-11-27 | Payment method and device |
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| Publication Number | Publication Date |
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| CN105488680A true CN105488680A (en) | 2016-04-13 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510854609.XA Pending CN105488680A (en) | 2015-11-27 | 2015-11-27 | Payment method and device |
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| Country | Link |
|---|---|
| CN (1) | CN105488680A (en) |
| WO (1) | WO2017088316A1 (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105931053A (en) * | 2016-04-29 | 2016-09-07 | 乐视控股（北京）有限公司 | Authentication method and apparatus, and electronic device |
| CN105956858A (en) * | 2016-05-03 | 2016-09-21 | 联想(北京)有限公司 | Payment method and electronic device |
| CN106204046A (en) * | 2016-06-29 | 2016-12-07 | 北京小米移动软件有限公司 | The method and device that order pays |
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| CN105931053A (en) * | 2016-04-29 | 2016-09-07 | 乐视控股（北京）有限公司 | Authentication method and apparatus, and electronic device |
| CN105956858A (en) * | 2016-05-03 | 2016-09-21 | 联想(北京)有限公司 | Payment method and electronic device |
| CN105956858B (en) * | 2016-05-03 | 2020-02-21 | 联想(北京)有限公司 | Payment method and electronic equipment |
| CN106204046A (en) * | 2016-06-29 | 2016-12-07 | 北京小米移动软件有限公司 | The method and device that order pays |
| CN106204049A (en) * | 2016-07-22 | 2016-12-07 | 北京小米移动软件有限公司 | The method and device of payment processes |
| CN106504003A (en) * | 2016-09-30 | 2017-03-15 | 维沃移动通信有限公司 | A kind of method of mobile terminal payment mandate and mobile terminal |
| CN107480995A (en) * | 2017-07-05 | 2017-12-15 | 深圳市科迈爱康科技有限公司 | Method of payment, wearable device and computer-readable recording medium based on gait |
| WO2019006788A1 (en) * | 2017-07-05 | 2019-01-10 | 深圳市科迈爱康科技有限公司 | Gait-based payment method based on gait, wearable device, and computer readable storage medium |
| CN107657454A (en) * | 2017-08-29 | 2018-02-02 | 百度在线网络技术（北京）有限公司 | Biological method of payment, device, equipment and storage medium |
| CN108108975A (en) * | 2017-12-12 | 2018-06-01 | 福建联迪商用设备有限公司 | A kind of payment authentication method and terminal based on electrocardiogram and vocal print |
| CN108537531A (en) * | 2018-03-27 | 2018-09-14 | 百度在线网络技术（北京）有限公司 | Method and apparatus for handling information |
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| WO2017088316A1 (en) | 2017-06-01 |
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