CN105787728A - Payment system and method - Google Patents
Payment system and method Download PDFInfo
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- CN105787728A CN105787728A CN201610105467.1A CN201610105467A CN105787728A CN 105787728 A CN105787728 A CN 105787728A CN 201610105467 A CN201610105467 A CN 201610105467A CN 105787728 A CN105787728 A CN 105787728A
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- payment
- matching result
- geographical location
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- finger print
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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]
- G06Q20/3224—Transactions dependent on location of 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 present invention discloses a payment system and method. The system comprises: a first acquisition module configured to collect the geographical location information of a payment terminal; an obtaining module configured to obtain a first matching result of the geographical location information with one or more than one pre-stored position data and obtain a second matching result of fingerprint information collected by the payment terminal and one or more than one pre-stored payment fingerprint information; and a determination module configured to determine whether the payment takes effect or not according to the first matching result and the second matching result. According to the payment scheme of the invention, the payment system and method are able to improve the safety of the current fingerprint payment.
Description
Technical field
The present invention relates to consumption safety field, particularly relate to a kind of payment system and method.
Background technology
Present stage, fast development along with science and technology, mobile-phone payment has become as a kind of general means of payment, and carries out fingerprint by mobile phone and pay and also have become as a kind of new form of payment, but, fingerprint identification function in current Android mobile phone is perfect not enough, there is also the risk being cracked, fingerprint payment itself may be stolen, therefore, account safety in order to ensure user, it is desirable to provide a kind of safer method of payment.
Summary of the invention
Present invention is primarily targeted at a kind of payment system of proposition and method, it is intended to improve the safety that current fingerprint pays.
For achieving the above object, the present invention proposes a kind of payment system, and this system includes: the first acquisition module, acquisition module and determine module.
First acquisition module, for gathering the geographical location information of payment terminal.
Acquisition module, for obtaining geographical location information and the first matching result of the one or more position datas prestored；And obtain the second matching result of the payment terminal finger print information collected and the one or more payment finger print informations prestored.
Determine module, for determining whether payment comes into force according to the first matching result and the second matching result.
Preferably, it is determined that according to the first matching result and the second matching result, module is determined whether payment comes into force and referred to:
When the first matching result is consistent and the second matching result is consistent, it is determined that pay and come into force.
When the first matching result is consistent, when the second matching result is inconsistent, it is determined that it is invalid to pay.
When the first matching result is inconsistent, it is determined that it is invalid to pay.
Preferably,
First matching result unanimously includes: the geographical location information that the first acquisition module collects is identical with the position data prestored or distance with this position data is less than predetermined distance threshold；The geographical location information collected identical with any one in the multiple position datas prestored or with the distance of any one in multiple position datas less than predetermined distance threshold.
Second matching result unanimously includes: the finger print information collected pay with prestore one finger print information identical or with pay the difference of finger print information less than predetermined discrepancy threshold；The finger print information collected identical with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations less than predetermined discrepancy threshold.
First matching result is inconsistent to be included: the geographical location information that the first acquisition module collects differs or with the distance of this position data more than or equal to predetermined distance threshold with the position data prestored；The geographical location information collected differs with any one in the multiple position datas prestored or with the distance of any one in multiple position datas more than or equal to predetermined distance threshold.
Second matching result is inconsistent to be included: the finger print information collected with prestore one pay finger print information differ or with pay the difference of finger print information more than or equal to predetermined discrepancy threshold；The finger print information collected differs with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations more than or equal to predetermined discrepancy threshold.
Preferably,
Acquisition module obtains geographical location information and includes with the first matching result of the one or more position datas prestored: obtain the first matching result of geographical location information and the position data prestored from default cloud server.
This system also includes memory module.
Memory module, for obtain geographical location information with the first matching result of the one or more position datas prestored before, the geographical location information collected is stored in payment terminal, and is uploaded to cloud server from payment terminal, wherein, in cloud server, storage has this position data.
Preferably, this system also includes: prompting module and the second acquisition module.
Prompting module, for when the first matching result is inconsistent and determines that payment is invalid, reminding disburser manually to input password and pay.
First acquisition module, be additionally operable to when disburser manually input password pay come into force time, gather current location for payment information.
Second acquisition module, for when disburser manually input password pay come into force time, gather current item of payment information.
Memory module, is additionally operable to store to cloud server the location for payment information collected and item of payment information.
Preferably, the first acquisition module is global position system GPS；Second acquisition module is sensing hub SensorHub.
Additionally, for achieving the above object, the present invention also proposes a kind of method of payment, and the method includes:
Gather the geographical location information of payment terminal.
First matching result of the one or more position datas obtaining this geographical location information and prestore；And obtain the second matching result of the payment terminal finger print information collected and the one or more payment finger print informations prestored.
Determine whether payment comes into force according to the first matching result and the second matching result.
Preferably, determine whether payment comes into force according to the first matching result and the second matching result to include:
When the first matching result is consistent and the second matching result is consistent, it is determined that pay and come into force.
When the first matching result is consistent, when the second matching result is inconsistent, it is determined that it is invalid to pay.
When the first matching result is inconsistent, it is determined that it is invalid to pay.
Preferably,
First matching result unanimously includes: the described geographical location information collected is identical with the position data prestored or distance with position data is less than predetermined distance threshold；The geographical location information collected identical with any one in the multiple position datas prestored or with the distance of any one in multiple position datas less than predetermined distance threshold.
Second matching result unanimously includes: the finger print information collected pay with prestore one finger print information identical or with pay the difference of finger print information less than predetermined discrepancy threshold；The finger print information collected identical with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations less than predetermined discrepancy threshold.
First matching result is inconsistent to be included: the geographical location information collected differs or with the distance of this position data more than or equal to predetermined distance threshold with the position data prestored；The geographical location information collected differs with any one in the multiple position datas prestored or with the distance of any one in multiple position datas more than or equal to predetermined distance threshold.
Second matching result is inconsistent to be included: the finger print information collected with prestore one pay finger print information differ or with pay the difference of finger print information more than or equal to predetermined discrepancy threshold；The finger print information collected differs with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations more than or equal to predetermined discrepancy threshold.
Preferably, obtain geographical location information to include with the first matching result of the one or more position datas prestored: obtain the first matching result of geographical location information and the position data prestored from default cloud server.
The method also includes: obtain this geographical location information with the first matching result of the one or more position datas prestored before, the geographical location information collected is stored in payment terminal, and it is uploaded to cloud server from payment terminal, wherein, in cloud server, storage has this position data.
Preferably, the method also includes:
When the first matching result is inconsistent and determines that payment is invalid, reminds disburser manually to input password and pay.
When disburser manually input password pay come into force time, by the location for payment information that default first sensor collection is current, by the item of payment information that the second default sensor acquisition is current, and the location for payment information collected and item of payment information are stored to cloud server.
Preferably, first sensor is global position system GPS；Second sensor is sensing hub SensorHub.
Payment system and method that the present invention proposes include: the first acquisition module, for gathering the geographical location information of payment terminal.Acquisition module, for obtaining geographical location information and the first matching result of the one or more position datas prestored；And obtain the second matching result of the payment terminal finger print information collected and the one or more payment finger print informations prestored.Determine module, for determining whether payment comes into force according to the first matching result and the second matching result.By the payment scheme of the present invention, it is possible to increase the safety that current fingerprint pays.
Accompanying drawing explanation
Fig. 1 is the hardware architecture diagram of the mobile terminal realizing each embodiment of the present invention；
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；
Fig. 3 is the payment system composition structured flowchart of the embodiment of the present invention；
Fig. 4 is alternative payment scheme embodiment schematic diagram in the embodiment of the present invention；
Fig. 5 is the method for payment flow chart of the embodiment of the present invention；
Fig. 6 is the method for payment schematic diagram of the embodiment of the present invention.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Detailed description of the invention
Should be appreciated that specific embodiment described herein is only in order to explain the present invention, is not intended to limit the present invention.
The mobile terminal realizing each embodiment of the present invention is described referring now to accompanying drawing.In follow-up description, use the suffix being used for representing such as " module ", " parts " or " unit " of element only for being conducive to the explanation of the present invention, itself do not have specific meaning.Therefore, " module " and " parts " can mixedly use.
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can include the mobile terminal of such as mobile phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP (portable media player), guider etc. and the fixed terminal of such as numeral TV, desk computer etc..Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, except being used in particular for the element of mobile purpose, structure according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is the hardware configuration signal of the mobile terminal realizing each embodiment of the present invention.
Mobile terminal 100 can include wireless communication unit 110, A/V (audio/video) input block 120, user input unit 130, sensing unit 140, output unit 150, memorizer 160, interface unit 170, controller 180 and power subsystem 190 etc..Fig. 1 illustrates the mobile terminal with various assembly, it should be understood that be not required for implementing all assemblies illustrated.Can alternatively implement more or less of assembly.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows the radio communication between mobile terminal 100 and wireless communication system or network.Such as, wireless communication unit can include at least one in broadcast reception module 111, mobile communication module 112, wireless Internet module 113, short range communication module 114 and positional information module 115.
Broadcast reception module 111 manages server via broadcast channel from external broadcasting and receives broadcast singal and/or broadcast related information.Broadcast channel can include satellite channel and/or terrestrial channel.Broadcast management server can be generate and send the server of broadcast singal and/or broadcast related information or broadcast singal that reception is previously created and/or broadcast related information and send it to the server of terminal.Broadcast singal can include TV broadcast singal, radio signals, data broadcasting signal etc..And, broadcast singal may further include the broadcast singal combined with TV or radio signals.Broadcast related information can also provide via mobile communications network, and in this case, broadcast related information can be received by mobile communication module 112.Broadcast singal can exist in a variety of manners, such as, it can exist with the electronic program guides (EPG) of DMB (DMB), the form of the electronic service guidebooks (ESG) etc. of digital video broadcast-handheld (DVB-H).Broadcast reception module 111 can be passed through to use various types of broadcast systems to receive signal broadcast.Especially, broadcast reception module 111 can be passed through to use such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), DVB-hand-held (DVB-H), forward link media (MediaFLO) Radio Data System, received terrestrial digital broadcasting integrated service (ISDB-T) etc. digit broadcasting system receive digital broadcasting.Broadcast reception module 111 may be constructed such that the various broadcast systems and above-mentioned digit broadcasting system that are adapted to provide for broadcast singal.The broadcast singal and/or the broadcast related information that receive via broadcast reception module 111 can be stored in memorizer 160 (or other type of storage medium).
Mobile communication module 112 sends radio signals at least one in base station (such as, access point, node B etc.), exterior terminal and server and/or receives from it radio signal.Such radio signal can include voice call signal, video calling signal or the various types of data sending according to text and/or Multimedia Message and/or receiving.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can internally or externally be couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include WLAN (WLAN) (Wi-Fi), Wibro (WiMAX), Wimax (worldwide interoperability for microwave access), HSDPA (high-speed downlink packet access) etc..
Short range communication module 114 is the module for supporting junction service.Some examples of short-range communication technology include bluetoothTM, RF identification (RFID), Infrared Data Association (IrDA), ultra broadband (UWB), purple honeybeeTMEtc..
Positional information module 115 is the module of positional information for checking or obtain mobile terminal.The typical case of positional information module is GPS (global positioning system).According to current technology, GPS module 115 calculates from the range information of three or more satellites and correct time information and the Information application triangulation for calculating, thus according to longitude, latitude with highly accurately calculate three-dimensional current location information.Currently, the method for calculating position and temporal information uses three satellites and the error by the position using an other satellite correction to calculate and temporal information.Additionally, GPS module 115 can calculate velocity information by Continuous plus current location information in real time.
A/V input block 120 is used for receiving audio or video signal.A/V input block 120 can include camera 121 and mike 1220, and the view data of the camera 121 static images to being obtained by image capture apparatus in Video Capture pattern or image capture mode or video processes.Picture frame after process may be displayed on display unit 151.Picture frame after camera 121 processes can be stored in memorizer 160 (or other storage medium) or be transmitted via wireless communication unit 110, it is possible to provide two or more cameras 1210 according to the structure of mobile terminal.Such acoustic processing can via microphones sound (voice data) in telephone calling model, logging mode, speech recognition mode etc. operational mode, and can be voice data by mike 122.Audio frequency (voice) data after process can be converted to the form output that can be sent to mobile communication base station via mobile communication module 112 when telephone calling model.Mike 122 can implement various types of noise elimination (or suppression) algorithm to eliminate (or suppression) in the noise received and produce in the process of transmission audio signal or interference.
User input unit 130 can generate key input data to control the various operations of mobile terminal according to the order of user's input.User input unit 130 allows user to input various types of information, and can include keyboard, metal dome, touch pad (such as, detection due to touched and cause resistance, pressure, electric capacity etc. the sensitive component of change), roller, rocking bar etc..Especially, when touch pad is superimposed upon on display unit 151 as a layer, it is possible to form touch screen.
Sensing unit 140 detects the current state of mobile terminal 100, (such as, mobile terminal 100 open or close state), the position of mobile terminal 100, user for mobile terminal 100 contact (namely, touch input) presence or absence, the orientation of mobile terminal 100, mobile terminal 100 acceleration or deceleration move and direction etc., and generate the order of operation for controlling mobile terminal 100 or signal.Such as, when mobile terminal 100 is embodied as sliding-type mobile phone, sensing unit 140 can sense this sliding-type phone and open or close.It addition, sensing unit 140 can detect power subsystem 190 and whether provide whether electric power or interface unit 170 couple with external device (ED).Sensing unit 140 can include proximity transducer 1410 and below in conjunction with touch screen, this will be described.
Interface unit 170 is used as at least one external device (ED) and is connected, with mobile terminal 100, the interface that can pass through.Such as, external device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or wireless FPDP, memory card port, for connecting the port of the device with identification module, audio frequency input/output (I/O) port, video i/o port, ear port etc..Identification module can be that storage is for verifying that user uses the various information of mobile terminal 100 and can include subscriber identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) etc..It addition, the device (hereinafter referred to " identifying device ") with identification module can take the form of smart card, therefore, identify that device can be connected with mobile terminal 100 via port or other connecting device.Interface unit 170 may be used for receiving from the input (such as, data message, electric power etc.) of external device (ED) and the one or more elements being transferred in mobile terminal 100 by the input received or may be used for transmission data between mobile terminal and external device (ED).
Additionally, when mobile terminal 100 is connected with external base, interface unit 170 can serve as and allows to provide the path of mobile terminal 100 or can serve as to allow to be transferred to the path of mobile terminal from the various command signals of base input by it from base electric power by it.May serve as whether identification mobile terminal is accurately fitted within the signal base from the various command signals of base input or electric power.Output unit 150 is configured to provide output signal (such as, audio signal, video signal, alarm signal, vibration signal etc.) with vision, audio frequency and/or tactile manner.Output unit 150 can include display unit 151, dio Output Modules 152, alarm unit 153 etc..
Display unit 151 may be displayed on the information processed in mobile terminal 100.Such as, when mobile terminal 100 is in telephone calling model, display unit 151 can show the user interface (UI) relevant with call or other communicate (such as, text messaging, multimedia file download etc.) or graphic user interface (GUI).When being in video calling pattern or image capture mode when mobile terminal 100, display unit 151 can show the image of image and/or the reception caught, UI or GUI illustrating video or image and correlation function etc..
Meanwhile, when display unit 151 and touch pad as a layer superposed on one another to form touch screen time, display unit 151 can serve as input equipment and output device.Display unit 151 can include at least one in liquid crystal display (LCD), thin film transistor (TFT) LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc..Some in these display may be constructed such that transparence is to allow user to watch from outside, and this is properly termed as transparent display, and typical transparent display can be such as TOLED (transparent organic light emitting diode) display etc..According to the specific embodiment wanted, mobile terminal 100 can include two or more display units (or other display device), such as, mobile terminal can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can be used for detecting touch input pressure and touch input position and touch input area.
Dio Output Modules 152 can mobile terminal be in call signal receive under the isotype such as pattern, call mode, logging mode, speech recognition mode, broadcast reception mode time, that wireless communication unit 110 is received or storage in memorizer 160 voice data transducing audio signal and be output as sound.And, dio Output Modules 152 can provide the audio frequency output (such as, call signal receive sound, message sink sound etc.) relevant to the specific function of mobile terminal 100 execution.Dio Output Modules 152 can include speaker, buzzer etc..
Alarm unit 153 can provide output so that event to inform mobile terminal 100.Typical event can include calling reception, message sink, key signals input, touch input etc..Except audio or video exports, alarm unit 153 can provide in a different manner and export the generation with notification event.Such as, alarm unit 153 can provide output with the form of vibration, when receiving calling, message or some other entrance communication (incomingcommunication), alarm unit 153 can provide sense of touch output (that is, vibration) to notify to user.By providing such sense of touch to export, even if when the mobile phone of user is in the pocket of user, user also is able to identify the generation of various event.Alarm unit 153 can also provide the output of the generation of notification event via display unit 151 or dio Output Modules 152.
Memorizer 160 can store the process performed by controller 180 and the software program controlling operation etc., or can temporarily store the data (such as, telephone directory, message, still image, video etc.) that oneself maybe will export through output.And, memorizer 160 can store the vibration about the various modes exported when touching and being applied to touch screen and the data of audio signal.
Memorizer 160 can include the storage medium of at least one type, described storage medium includes flash memory, hard disk, multimedia card, card-type memorizer (such as, SD or DX memorizer etc.), random access storage device (RAM), static random-access memory (SRAM), read only memory (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc..And, mobile terminal 100 can be connected the network storage device cooperation of the storage function performing memorizer 160 with by network.
Controller 180 generally controls the overall operation of mobile terminal.Such as, controller 180 performs the control relevant to voice call, data communication, video calling etc. and process.It addition, controller 180 can include the multi-media module 1810 for reproducing (or playback) multi-medium data, multi-media module 1810 can construct in controller 180, or it is so structured that separates with controller 180.Controller 180 can perform pattern recognition process, so that the handwriting input performed on the touchscreen or picture drafting input are identified as character or image.
Power subsystem 190 receives external power or internal power under the control of controller 180 and provides the suitable electric power operated needed for each element and assembly.
Various embodiment described herein can to use such as computer software, hardware or its any combination of computer-readable medium to implement.Hardware is implemented, embodiment described herein can pass through to use application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), field programmable gate array (FPGA), processor, controller, microcontroller, microprocessor, at least one that is designed to perform in the electronic unit of function described herein to implement, in some cases, such embodiment can be implemented in controller 180.Implementing for software, the embodiment of such as process or function can be implemented with allowing the independent software module performing at least one function or operation.Software code can be implemented by the software application (or program) write with any suitable programming language, and software code can be stored in memorizer 160 and be performed by controller 180.
So far, oneself is through describing mobile terminal according to its function.Below, for the sake of brevity, by the slide type mobile terminal in the various types of mobile terminals describing such as folded form, board-type, oscillating-type, slide type mobile terminal etc. exemplarily.Therefore, the present invention can be applied to any kind of mobile terminal, and is not limited to slide type mobile terminal.
Mobile terminal 100 as shown in Figure 1 may be constructed such that utilization operates via such as wired and wireless communication system and the satellite-based communication system of frame or packet transmission data.
The communication system being wherein operable to according to the mobile terminal of the present invention is described referring now to Fig. 2.
Such communication system can use different air interfaces and/or physical layer.Such as, the air interface used by communication system includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA (CDMA) and UMTS (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc..As non-limiting example, as explained below relates to cdma communication system, but such instruction is equally applicable to other type of system.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 100, multiple base station (BS) 270, base station controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is configured to form interface with Public Switched Telephony Network (PSTN) 290.MSC280 is also structured to and the BSC275 formation interface that can be couple to base station 270 via back haul link.Back haul link can construct according to any one in some interfaces that oneself knows, described interface includes such as E1/T1, ATM, IP, PPP, frame relay, HDSL, ADSL or xDSL.It will be appreciated that system as shown in Figure 2 can include multiple BSC2750.
Each BS270 can service one or more subregion (or region), by each subregion of multidirectional antenna or the antenna covering pointing to specific direction radially away from BS270.Or, each subregion can be covered by two or more antennas for diversity reception.Each BS270 may be constructed such that support multiple frequencies distribution, and the distribution of each frequency has specific frequency spectrum (such as, 1.25MHz, 5MHz etc.).
Intersecting that subregion and frequency are distributed can be referred to as CDMA Channel.BS270 can also be referred to as base station transceiver subsystem (BTS) or other equivalent terms.In this case, term " base station " may be used for broadly representing single BSC275 and at least one BS270.Base station can also be referred to as " cellular station ".Or, each subregion of specific BS270 can be referred to as multiple cellular station.
As shown in Figure 2, broadcast singal is sent in system the mobile terminal 100 of operation by broadcsting transmitter (BT) 295.Broadcast reception module 111 as shown in Figure 1 is arranged on mobile terminal 100 and sentences the broadcast singal that reception is sent by BT295.In fig. 2 it is shown that several global positioning systems (GPS) satellite 300.Satellite 300 helps to position at least one in multiple mobile terminals 100.
In fig. 2, depict multiple satellite 300, it is understood that be, it is possible to use any number of satellite obtains useful location information.GPS module 115 as shown in Figure 1 is generally configured to coordinate the location information wanted with acquisition with satellite 300.Substitute GPS tracking technique or outside GPS tracking technique, it is possible to use other technology of the position of mobile terminal can be followed the tracks of.It addition, at least one gps satellite 300 can optionally or additionally process satellite dmb transmission.
As a typical operation of wireless communication system, BS270 receives the reverse link signal from various mobile terminals 100.Mobile terminal 100 generally participates in call, information receiving and transmitting communicates with other type of.Each reverse link signal that certain base station 270 receives is processed in specific BS270.The data obtained are forwarded to relevant BSC275.BSC provides call resource distribution and the mobile management function of the coordination of soft switching process included between BS270.The data received also are routed to MSC280 by BSC275, and it provides the extra route service for forming interface with PSTN290.Similarly, PSTN290 and MSC280 forms interface, and MSC and BSC275 forms interface, and BSC275 correspondingly controls BS270 so that forward link signals to be sent to mobile terminal 100.
Based on above-mentioned mobile terminal hardware configuration and communication system, it is proposed to each embodiment of the inventive method.
Present stage, along with the fast development of science and technology, mobile-phone payment has become as a kind of general means of payment, and carries out fingerprint payment by mobile phone and also have become as a kind of new form of payment.Fingerprint payment and fingerprint consumption, it is adopt mature system of fingerprints to carry out consumption certification, namely client uses fingerprint register to become fingerprint consumption discount alliance platform member, consumption and payment can be completed by fingerprint recognition, and the minimum discount of businessman can be enjoyed, not only simplify consumption program, eliminate impeding of various member card bank card, it is also possible to obtain the state-of-the art payment mode of one of great number rebating.But, the fingerprint identification function in current Android mobile phone is perfect not enough, there is also the risk being cracked, and fingerprint payment itself may be stolen, therefore, in order to ensure the account safety of user, it is desirable to provide a kind of safer method of payment.As it is shown on figure 3, for achieving the above object, first embodiment of the invention proposes a kind of payment system 01, and this system includes: the first acquisition module 02, acquisition module 03 and determine module 04.
First acquisition module 02, for gathering the geographical location information of payment terminal.
In embodiments of the present invention; collection for the geographical location information of payment terminal can adopt any enforceable acquisition method and algorithm; not limiting at this, any acquisition method being capable of the present invention program and algorithm are all within protection scope of the present invention.
It addition, for the acquisition module of geographical location information, namely the first acquisition module 02 does not do any restriction yet, and any collecting device being capable of the present invention program or device are all within protection scope of the present invention.Preferably, this first acquisition module 02 can be global position system GPS.
The ultimate principle of GPS navigation alignment system is: measuring the satellite of known location to the distance between receiver user, then the data of comprehensive multi-satellite just may know that the particular location of receiver.Reaching this purpose, the position of satellite can be found in satellite ephemeris according to the time that spaceborne clock records.User then propagates, by record satellite-signal, the time that user experiences to the distance of satellite, it is multiplied by the light velocity again to obtain, due to the ionospheric interference of atmosphere, this distance is not the actual distance between user and satellite, but pseudorange (PR), when gps satellite normal operation, constantly navigation message can be launched by the pseudo noise code (abbreviation pseudo-code) of 1 and 0 binary element composition.The pseudo-code one that GPS system uses has two kinds, is civilian C/A code and military P (Y) code respectively.C/A code frequency 1.023MHz, the repetition period one millisecond, intersymbol, from 1 microsecond, is equivalent to 300m；P code frequency 10.23MHz, 266.4 days repetition periods, intersymbol, from 0.1 microsecond, is equivalent to 30m.And Y code is to be formed on the basis of P code, security performance is more preferably.Navigation message includes the information such as satellite ephemeris, working condition, clock correction, ionospheric delay correction, refraction correction.It is to demodulate out from satellite-signal, with 50b/s be modulated on carrier frequency launch.The each prime frame of navigation message comprises 5 every frame length 6s of subframe.Each 10 character codes of first three frame；Within every 30 seconds, it is repeated once, updates once per hour.Rear two frames are 15000b altogether.Content in navigation message mainly have telemetry code, hand over word and the 1st, 2,3 data blocks, most important of which is then almanac data.When user receives navigation message, extract satellite time and itself and oneself clock are contrasted the distance that just can learn satellite and user, the information such as the satellite almanac data in recycling navigation message extrapolates present position during satellite launch text, user's position and speed in WGS-84 earth coordinates just can be learnt.
Acquisition module 03, for obtaining geographical location information and the first matching result of the one or more position datas prestored；And obtain the second matching result of the payment terminal finger print information collected and the one or more payment finger print informations prestored.
In embodiments of the present invention, this first matching result and the second matching result can mate acquisition voluntarily in this payment terminal, after can also having mated in other-end or server, this payment terminal directly obtains the result matched, and the latter can save space and resource better compared with the former.In embodiments of the present invention, payment terminal has been selected directly to obtain this scheme of result matched.
Preferably,
Acquisition module 03 obtains geographical location information and the first matching result of the one or more position datas prestored includes: obtain the first matching result of geographical location information and the position data prestored from default cloud server.
This system also includes memory module 05.
Memory module 05, for obtain geographical location information with the first matching result of the one or more position datas prestored before, the geographical location information collected is stored in payment terminal, and is uploaded to cloud server from payment terminal, wherein, in cloud server, storage has this position data.
It should be noted that, in the above embodiment of the present invention, adopt cloud server storage geographical location information and service that wherein to carry out the first coupling be only a specific embodiment of the present invention beyond the clouds, in other embodiments, other memorizer or server can also be adopted as the memory carrier of geographical location information and matching vector, and the method that geographical location information is uploaded to high in the clouds does not do any restriction yet, can by any wired or wireless transmission means, such as, 3G network or 4G network can be passed through, it is also possible to by WIFI and bluetooth.In a word, foregoing is only one embodiment of the present of invention, and any same as the previously described embodiments or similar embodiment, and the combination in any of the basic feature of the present invention program, all within protection scope of the present invention.
Determine module 04, for determining whether payment comes into force according to the first matching result and the second matching result.
Preferably, it is determined that according to the first matching result and the second matching result, module 04 is determined whether payment comes into force and referred to:
When the first matching result is consistent and the second matching result is consistent, it is determined that pay and come into force.That is, when the finger print information that the geographical location information taked matches with the position data prestored and payment terminal collects also matches with the payment finger print information prestored, it is determined that pay effectively.
When the first matching result is consistent, when the second matching result is inconsistent, it is determined that it is invalid to pay.That is, when the geographical location information taked matches with the position data prestored, but when the finger print information that collects of payment terminal does not mate with the payment finger print information prestored, it is determined that it is invalid to pay.
When the first matching result is inconsistent, it is determined that it is invalid to pay.That is, when the geographical location information taked does not mate with the position data prestored, when whether the finger print information that payment terminal collects matches with the payment finger print information prestored, all determine that payment is invalid.
In the present invention program, owing to the situation in geographical position is that comparison is special, such as, for a megastore, its GPS information is a location point, but will also certainly be distributed in market and have a lot of StoreFronts, during payment, the GPS information of place StoreFront can not be fully equivalent to the GPS information of emporium, therefore, in order to be determined clearly the geographical location information in the present invention, specify that the definition of " unanimously " and " inconsistent " of the first matching result and the second matching result in embodiments of the present invention, concrete scheme is as follows:
Preferably,
First matching result unanimously includes: the geographical location information that the first acquisition module collects is identical with the position data prestored or distance with this position data is less than predetermined distance threshold；It should be noted that, here the position data prestored can be one can also be multiple, when this position data is one, directly utilize such scheme, when this position data is multiple, the geographical location information collected identical with any one in the multiple position datas prestored or with the distance of any one in multiple position datas less than predetermined distance threshold.
Second matching result unanimously includes: the finger print information collected pay with prestore one finger print information identical or with pay the difference of finger print information less than predetermined discrepancy threshold；In like manner, here the payment finger print information prestored can be one can also be multiple, when this payment finger print information is one, directly utilize such scheme, when this payment finger print information is multiple, the finger print information collected identical with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations less than predetermined discrepancy threshold.
In like manner, based on definition to matching result " unanimously " in foregoing, below " inconsistent " is defined.
First matching result is inconsistent to be included: the geographical location information that the first acquisition module collects differs or with the distance of this position data more than or equal to predetermined distance threshold with the position data prestored；The geographical location information collected differs with any one in the multiple position datas prestored or with the distance of any one in multiple position datas more than or equal to predetermined distance threshold.
Second matching result is inconsistent to be included: the finger print information collected with prestore one pay finger print information differ or with pay the difference of finger print information more than or equal to predetermined discrepancy threshold；The finger print information collected differs with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations more than or equal to predetermined discrepancy threshold.
It should be noted that; such scheme is only a specific embodiment of the present invention; other definition can also be carried out in other implementations; but any same as the previously described embodiments or similar scheme; and the combination in any of the basic feature of the present invention program, all within protection scope of the present invention.
In the present invention program, in order to ensure the safety that fingerprint pays, geographical position residing for fingerprint Zhi Fuyu user is combined by we, which ensure that and comes into force by fingerprint payment at safer environment, it is prevented that the property loss that large fund brings because fingerprint leakage.But, any embodiment is all it cannot be guaranteed that perfectly safe, when the geographical position harvester of this programme breaks down, can not the geographical location information of accurate acquisition user time, or when user consumes at unconventional area of consumption point, even may result in that account carries out paying also cannot be successful, this will bring very big inconvenience for customer consumption, therefore, we have been also prepared for alternative scheme, and concrete scheme is as follows:
Preferably, this system 01 also includes: prompting module 06 and the second acquisition module 07.
Prompting module 06, for when the first matching result is inconsistent and determines that payment is invalid, reminding disburser manually to input password and pay.If account is carrying out delivery operation, account should be able to know the consumption password of this account, and therefore, payment safety will not be threatened by this scheme.Certainly, this scheme is only one embodiment of the present of invention, can also adopt other alternative scheme here, such as, the ID (identity number) card No. inputting me is verified, or other identity information is verified, to guarantee the normal consumption of user, the property loss after preventing again fingerprint from revealing.Further, above-mentioned several schemes can also be combined by we, when the first matching result is inconsistent and determines that payment is invalid, provide the user the selection window of an identity validation, as shown in Figure 4, this window can provide identification card number, password, family members' name, mailbox is verified, speech verification, the multiple identity validation options such as facial scan identification, we can therefrom select one carry out further identity validation with complete pay, this can provide the user more convenience, certainly, these identity validation options can also be self-defined when being initially paid for arranging, and user can arrange multiple auth method when initially set, in a kind of unsanctioned situation of verification method, another kind of checking can be adopted.Arrange it addition, can also carry out reporting to the police when initially set, if disburser is after carrying out a series of authentication, remains without and be proved to be successful, then by blowing a whistle or the mode such as flicker sends alarm, be further ensured that the safety of account.Last it should be noted that in such scheme address coupling be only one embodiment of the present of invention with the sequencing of fingerprint matching, be not intended as unique embodiment of the present invention, can also arrange by oneself matching order according to scheme demand in other embodiments.
First acquisition module 02, be additionally operable to when disburser manually input password pay come into force time, gather current location for payment information.
In embodiments of the present invention, if disburser manually inputs password, payment comes into force, then substantially determine that disburser is account, illustrate that this disburser pays at unconventional area of consumption point, and this place of payment is not stored in advance in payment terminal or cloud server, in order to facilitate this user again to consume in this place, the present invention program also added payment terminal or Cloud Server store up stored automatically updating function, namely, when disburser manually input password pay come into force time, gather current location for payment information, a part as the position data prestored, constantly improve location database.
Second acquisition module 07, for when disburser manually input password pay come into force time, gather current item of payment information.
In embodiments of the present invention, except above-mentioned update scheme, namely, when user uses fingerprint to pay in unconventional consumption place, built-in sensors (the first acquisition module 02) can record the surrounding that user uses fingerprint to pay, automatically update existing information, we also add the acquisition scheme of the item of payment, namely by another kind of built-in sensors (the second acquisition module 07), the item of payment information gathering of user is got off and preserved, item of payment alternative when consuming next time as this user, the delivery operation making user is more convenient, quick.Such as, when being given bonus by wechat at home, first acquisition module 02 can record the geographical position (address of family) that user pays automatically, and the second acquisition module 07 can record the project information (wechat red packet) that user pays automatically, constantly improve the storage content of cloud server, when user consumes next time, the information that can enumerate out the various item of payments once operated for user selects for user, as, wechat red packet, bank card, Alipay etc., improve payment efficiency.
Preferably, the second acquisition module 07 is sensing hub SensorHub.
A kind of application of SensorHub substantially microcontroller (MCU), in system designs, its major function is in that to process the various information from various sensors, is just waken up in park mode by primary processor if desired, reduces system power dissipation whereby.Many moneys Smartphone and panel computer is had all to import this kind of solution in the market, for instance the latest version iPhone of Fructus Mali pumilae (Apple) just carries the M7 chip of oneself exploitation.Except Fructus Mali pumilae, the MX3 Smartphone of continent running gear brand factory Meizu, the Surface panel computer of Microsoft (Microsoft), Samsung GalaxyNoteII and GalaxyS4 all have lift-launch this kind of chip.The power consumption of the harmonizing processor chip of SensorHub, is only the 1-2% of CPU.Nowadays smart mobile phone CPU increasingly faster while, power consumption also gets more and more.GPS, light, compass, acceleration, distance perspective should, etc. sensor and the nextport hardware component NextPort such as bluetooth, WLAN, infrared, NFC, TP be all power consumption rich and influential family.The operation every time of sensor or hardware will pass through CPU, takes very much electricity if be held open for a long time.Therefore, for power saving, embedded in mobile phone sensor and hardware all remain off.But, it is exactly that the application scenarios of these sensors is limited that sensor and hardware remain off the problem brought.Such as, it is impossible to navigation under breath screen state, it is impossible under breath screen state, wake application up by specific gesture rapid.Adopt SensorHub technology then may remain in the sensor keeping mobile phone under low power consumpting state and specify hardware to keep opening, and make correct response when being necessary.
Memory module 03, is additionally operable to store to cloud server the location for payment information collected and item of payment information.
In embodiments of the present invention, the location for payment information collected and item of payment information are stored to cloud server by equally, service beyond the clouds and wherein complete mating of location for payment information and item of payment information, to save space and the resource of payment terminal better.
So far; have been described above whole schemes of the payment system of the present invention; it should be noted that; such scheme is all specific embodiments of the invention; the content of the present invention program can be done corresponding deformation in other embodiments or extend, but, any same as the previously described embodiments or similar embodiment; and the combination in any of the basic feature of the present invention program, all within protection scope of the present invention.
Additionally, for achieving the above object, the present invention also proposes a kind of method of payment, and as shown in Figure 5, Figure 6, the method includes:
S101, gather payment terminal geographical location information.
S102, obtain this geographical location information and the first matching result of the one or more position datas prestored；And obtain the second matching result of the payment terminal finger print information collected and the one or more payment finger print informations prestored.
Preferably, obtain geographical location information to include with the first matching result of the one or more position datas prestored: obtain the first matching result of geographical location information and the position data prestored from default cloud server.
The method also includes: obtain this geographical location information with the first matching result of the one or more position datas prestored before, the geographical location information collected is stored in payment terminal, and it is uploaded to cloud server from payment terminal, wherein, in cloud server, storage has this position data.
S103, according to the first matching result and the second matching result determine payment whether come into force.
Preferably, determine whether payment comes into force according to the first matching result and the second matching result to include:
When the first matching result is consistent and the second matching result is consistent, it is determined that pay and come into force.
When the first matching result is consistent, when the second matching result is inconsistent, it is determined that it is invalid to pay.
When the first matching result is inconsistent, it is determined that it is invalid to pay.
Preferably,
First matching result unanimously includes: the described geographical location information collected is identical with the position data prestored or distance with position data is less than predetermined threshold value；The geographical location information collected identical with any one in the multiple position datas prestored or with the distance of any one in multiple position datas less than predetermined distance threshold.
Second matching result unanimously includes: the finger print information collected pay with prestore one finger print information identical or with pay the difference of finger print information less than predetermined discrepancy threshold；The finger print information collected identical with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations less than predetermined discrepancy threshold.
First matching result is inconsistent to be included: the geographical location information collected differs or with the distance of this position data more than or equal to predetermined distance threshold with the position data prestored；The geographical location information collected differs with any one in the multiple position datas prestored or with the distance of any one in multiple position datas more than or equal to predetermined distance threshold.
Second matching result is inconsistent to be included: the finger print information collected with prestore one pay finger print information differ or with pay the difference of finger print information more than or equal to predetermined discrepancy threshold；The finger print information collected differs with any one in the multiple payment finger print informations prestored or with the difference of any one in multiple payment finger print informations more than or equal to predetermined discrepancy threshold.
Preferably, the method also includes:
When the first matching result is inconsistent and determines that payment is invalid, reminds disburser manually to input password and pay.
When disburser manually input password pay come into force time, by the location for payment information that default first sensor collection is current, by the item of payment information that the second default sensor acquisition is current, and the location for payment information collected and item of payment information are stored to cloud server.
Preferably, first sensor is global position system GPS；Second sensor is sensing hub SensorHub.
Payment system and method that the present invention proposes include: the first acquisition module, for gathering the geographical location information of payment terminal.Acquisition module, for obtaining geographical location information and the first matching result of the one or more position datas prestored；And obtain the second matching result of the payment terminal finger print information collected and the one or more payment finger print informations prestored.Determine module, for determining whether payment comes into force according to the first matching result and the second matching result.By the payment scheme of the present invention, it is possible to ensure to make full use of the multiple sensors in terminal under low power consumpting state, by the detection in geographical position, allow the fingerprint of user pay and obtain safer guarantee instantly, conscientiously ensure the property safety of user.
It should be noted that, in this article, term " includes ", " comprising " or its any other variant are intended to comprising of nonexcludability, so that include the process of a series of key element, method, article or device not only include those key elements, but also include other key elements being not expressly set out, or also include the key element intrinsic for this process, method, article or device.When there is no more restriction, statement " including ... " key element limited, it is not excluded that there is also other identical element in including the process of this key element, method, article or device.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art is it can be understood that can add the mode of required general hardware platform by software to above-described embodiment method and realize, hardware can certainly be passed through, but in a lot of situation, the former is embodiment more preferably.Based on such understanding, the part that prior art is contributed by technical scheme substantially in other words can embody with the form of software product, this computer software product is stored in a storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile phone, computer, server, air-conditioner, or the network equipment etc.) perform the method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every equivalent structure utilizing description of the present invention and accompanying drawing content to make or equivalence flow process conversion; or directly or indirectly it is used in other relevant technical fields, all in like manner include in the scope of patent protection of the present invention.
Claims (10)
1. a payment system, it is characterised in that described system includes: the first acquisition module, acquisition module and determine module；
Described first acquisition module, for gathering the geographical location information of payment terminal；
Described acquisition module, for obtaining described geographical location information and the first matching result of the one or more position datas prestored；And obtain the second matching result of described the payment terminal finger print information collected and the one or more payment finger print informations prestored；
Described determine module, for determining whether payment comes into force according to described first matching result and described second matching result.
2. payment system according to claim 1, it is characterised in that described determine according to described first matching result and described second matching result, module determines whether payment comes into force and refer to:
When described first matching result is consistent and described second matching result is consistent, it is determined that pay and come into force；
When described first matching result is consistent, when described second matching result is inconsistent, it is determined that it is invalid to pay；
When described first matching result is inconsistent, it is determined that it is invalid to pay.
3. payment system according to claim 2, it is characterised in that
Described first matching result unanimously includes: the described geographical location information that described first acquisition module collects identical with the position data prestored or with the distance of described position data less than predetermined distance threshold；
Described second matching result unanimously includes: the described finger print information collected pays with prestore one that finger print information is identical or difference with described payment finger print information is less than predetermined discrepancy threshold.
4. payment system according to claim 1, it is characterised in that
Described acquisition module obtains described geographical location information and includes with the first matching result of the one or more position datas prestored: obtain the first matching result of described geographical location information and the described position data prestored from default cloud server；
Described system also includes memory module；
Described memory module, for obtain described geographical location information with the first matching result of the one or more position datas prestored before, the described geographical location information collected is stored in described payment terminal, and it is uploaded to described cloud server from described payment terminal, wherein, described cloud server stores state position data to some extent.
5. payment system according to claim 4, it is characterised in that described system also includes: prompting module and the second acquisition module；
Described prompting module, for when described first matching result is inconsistent and determines that payment is invalid, reminding disburser manually to input password and pay；
Described first acquisition module, be additionally operable to when described disburser manually input password pay come into force time, gather current location for payment information；
Described second acquisition module, for when described disburser manually input password pay come into force time, gather current item of payment information；
Described memory module, is additionally operable to store to described cloud server the location for payment information collected and item of payment information.
6. a method of payment, it is characterised in that described method includes:
Gather the geographical location information of payment terminal；
First matching result of the one or more position datas obtaining described geographical location information and prestore；And obtain the second matching result of described the payment terminal finger print information collected and the one or more payment finger print informations prestored；
Determine whether payment comes into force according to described first matching result and described second matching result.
7. method of payment according to claim 6, it is characterised in that described determine whether payment comes into force and include according to described first matching result and described second matching result:
When described first matching result is consistent and described second matching result is consistent, it is determined that pay and come into force；
When described first matching result is consistent, when described second matching result is inconsistent, it is determined that it is invalid to pay；
When described first matching result is inconsistent, it is determined that it is invalid to pay.
8. method of payment according to claim 7, it is characterised in that
Described first matching result unanimously includes: the described geographical location information collected identical with the position data prestored or with the distance of described position data less than predetermined distance threshold；
Described second matching result unanimously includes: the described finger print information collected pays with prestore one that finger print information is identical or difference with described payment finger print information is less than predetermined discrepancy threshold.
9. method of payment according to claim 6, it is characterized in that, the described geographical location information of described acquisition includes with the first matching result of the one or more position datas prestored: obtain the first matching result of described geographical location information and the described position data prestored from default cloud server；
Described method also includes: obtain described geographical location information with the first matching result of the one or more position datas prestored before, the described geographical location information collected is stored in described payment terminal, and it is uploaded to described cloud server from described payment terminal, wherein, described cloud server stores state position data to some extent.
10. method of payment according to claim 9, it is characterised in that described method also includes:
When described first matching result is inconsistent and determines that payment is invalid, reminds disburser manually to input password and pay；
When described disburser manually input password pay come into force time, by the location for payment information that default first sensor collection is current, by the item of payment information that the second default sensor acquisition is current, and the location for payment information collected and item of payment information are stored to described cloud server.
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