CN105825382B - Mobile payment method and electronic equipment - Google Patents
Mobile payment method and electronic equipment Download PDFInfo
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- CN105825382B CN105825382B CN201510583140.0A CN201510583140A CN105825382B CN 105825382 B CN105825382 B CN 105825382B CN 201510583140 A CN201510583140 A CN 201510583140A CN 105825382 B CN105825382 B CN 105825382B
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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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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention discloses a mobile payment method and electronic equipment, wherein the method comprises the following steps: acquiring a touch screen action on a touch screen of the electronic equipment to obtain first fingerprint information; if the first fingerprint information is matched with the pre-configured login fingerprint information, the payment application successfully logs in and displays one or more payment account information corresponding to the first fingerprint information; and after one of the one or more payment account information is selected, making payment according to the selected payment account information. The invention adopts a fingerprint verification mode to replace the traditional user name and password mode, has higher safety and convenience and practicability, can match corresponding payment account information in a plurality of pre-stored payment account information through fingerprint matching due to the uniqueness of the fingerprint, simplifies the operation steps in the mobile payment process, can realize the sharing of a plurality of users of the same electronic equipment, and has the function of convenient user switching.
Description
Technical Field
The invention relates to the field of mobile payment and intelligent terminals, in particular to a mobile payment method and electronic equipment.
Background
With the continuous development of electronic information technology, various intelligent terminal devices such as smart phones and tablet computers become essential products in our lives. Accordingly, mobile payment is gradually accepted by people as a new payment mode, the security of the mobile payment technology can be better guaranteed through the fingerprint identification function of the intelligent terminal device, and the mobile payment function can be performed through modes of two-dimensional code scanning or Near Field Communication (NFC) payment in the prior art. However, when different users use the same terminal device, the original account information is usually required to be logged off, and new account information is input to realize user switching, and the intermediate operation steps are too complicated, which seriously affects user experience.
Disclosure of Invention
In order to solve the technical problems, the invention provides a mobile payment method and electronic equipment, and solves the problems of multiple operation steps and poor user experience in the mobile payment process in the prior art.
According to an aspect of the present invention, there is provided a mobile payment method applied to an electronic device including a touch screen having a fingerprint recognition function, the method including:
acquiring a touch screen action on a touch screen of the electronic equipment, and obtaining first fingerprint information from the touch screen action;
if the first fingerprint information is matched with the pre-configured login fingerprint information, the payment application successfully logs in and displays one or more payment account information corresponding to the first fingerprint information;
and after one of the one or more payment account information is selected, making payment according to the selected payment account information.
According to another aspect of the present invention, there is also provided an electronic device including a touch screen having a fingerprint recognition function, and:
the first acquisition module is used for acquiring touch screen actions on the touch screen and acquiring first fingerprint information from the touch screen actions;
the first processing module is used for successfully logging in the payment application when the first fingerprint information is matched with the pre-configured login fingerprint information, and displaying one or more payment account information corresponding to the first fingerprint information;
and the payment module is used for paying according to the selected payment account information after one of the one or more payment account information is selected.
The embodiment of the invention has the beneficial effects that: the fingerprint verification mode is adopted to replace the traditional user name and password mode, the safety and the convenience and practicability are higher, corresponding payment account information can be matched in a plurality of prestored account information through fingerprint matching due to the uniqueness of the fingerprint, the operation steps in the mobile payment process are simplified, the sharing of a plurality of users of the same electronic equipment can be realized, and the functions of the users can be switched conveniently.
Drawings
FIG. 1 is a first flow chart of a mobile payment method of the present invention;
FIG. 2 illustrates a second flow chart of the mobile payment method of the present invention;
FIG. 3 shows a third flow chart of the mobile payment method of the present invention;
fig. 4 shows a block schematic of the electronic device of the present invention.
Detailed Description
Exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the invention are shown in the drawings, it should be understood that the invention can be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.
Example one
As shown in fig. 1, an embodiment of the present invention provides a mobile payment method, which specifically includes:
step S101: the method comprises the steps of obtaining touch screen actions on a touch screen of the electronic equipment, and obtaining first fingerprint information from the touch screen actions.
Here, the obtaining of the first fingerprint information may adopt various implementations, for example: by pressing a fingerprint identification key of the electronic device, or by collecting fingerprint information of the user through other fingerprint identification devices, the embodiment only takes the example of acquiring the first fingerprint information from the touch screen as an example.
After the touch screen action on the touch screen of the electronic equipment is acquired, the fingerprint scanning function of the touch screen of the electronic equipment is triggered. In order to avoid the occurrence of misoperation, preferably, the duration of the touch screen action can be detected, and when the duration of the touch screen action is detected to exceed a preset threshold, the fingerprint scanning function of the touch screen of the electronic device is started; according to the touch action, after the fingerprint scanning function of the touch screen of the electronic equipment is triggered, the scanned fingerprint information is used as first fingerprint information.
Step S102: if the first fingerprint information is matched with the pre-configured login fingerprint information, the payment application successfully logs in, and displays one or more account information corresponding to the first fingerprint information.
The first fingerprint information is matched with the pre-configured login fingerprint information, and the first fingerprint information is determined to be legal fingerprint information when the acquired first fingerprint information is matched with one of one or more pre-stored login fingerprint information. When multiple users use the same electronic device or the same payment application account, in order to avoid the influence of the display of multiple payment account information on the operation experience of the users, the first fingerprint information can be used for logging in the corresponding payment application account and also can be used for matching the payment account information corresponding to the first fingerprint information. When a certain user needs to use the payment function of the electronic equipment, the fingerprint information matched with the pre-configured login fingerprint information is input, so that login can be successful, the payment account information matched with the user is displayed, the whole payment account information under the corresponding payment application account number cannot be displayed, and the operation experience of the user can be improved. Specifically, the display rule of the payment account information may be displayed according to a preset display rule, for example: according to the use frequency, the priority of the preset payment account information, the latest used payment account information and the like.
Step S103: and after one of the one or more payment account information is selected, making payment according to the selected payment account information.
When one of the one or more payment account information corresponding to the first fingerprint information is selected, the payment to be paid is carried out according to the selected payment account information.
The fingerprint verification mode is adopted to replace the traditional user name and password mode, the safety and the convenience and practicability are higher, corresponding payment account information can be matched in a plurality of prestored account information through fingerprint matching due to the uniqueness of the fingerprint, the operation steps in the mobile payment process are simplified, the sharing of a plurality of users of the same electronic equipment can be realized, and the functions of the users can be switched conveniently.
Example two
As shown in fig. 2, the mobile payment method specifically includes the following steps:
step S201: a touch screen action on a touch screen of an electronic device is acquired.
After the touch screen action on the touch screen of the electronic equipment is acquired, the fingerprint scanning function of the touch screen of the electronic equipment is triggered. In order to avoid the occurrence of the misoperation, preferably, the duration of the touch screen action can be detected, and when the duration of the touch screen action is detected to exceed a preset threshold, the fingerprint scanning function of the touch screen of the electronic device is started.
Step S202: and obtaining first fingerprint information according to the touch screen action.
According to the touch action, after the fingerprint scanning function of the touch screen of the electronic equipment is triggered, the scanned fingerprint information is used as first fingerprint information.
When the touch screen of the electronic device is in a locked state, the touch screen can be unlocked in a fingerprint unlocking mode, and specifically, the method comprises the following steps:
step S203: detecting whether the first fingerprint information is matched with the pre-configured starting fingerprint information.
Wherein, the electronic device can configure a plurality of reference fingerprint information, such as: a different finger fingerprint can be set up between each reference fingerprint in order to avoid the emergence of maloperation, for the unblock fingerprint information of unblock screen for start mobile payment uses and unblock reference fingerprint information such as the start fingerprint information of screen, for example: the unlocking fingerprint information is the fingerprint of the thumb of the right hand of the user, and the starting fingerprint is the fingerprint of the index finger of the right hand of the user.
Step S204: if the mobile payment application is matched with the mobile payment application, unlocking the touch screen in the locking state, and starting the corresponding mobile payment application; otherwise, step S207 is prompted for failure of payment.
When the acquired first fingerprint information is the fingerprint of the right thumb of the corresponding user, the first fingerprint information is matched with the unlocking fingerprint information, the screen is unlocked, and the user needs to start the corresponding mobile payment application by himself; when the acquired first fingerprint is the fingerprint of the index finger of the right hand of the corresponding user, the first fingerprint information is matched with the starting fingerprint information, the touch screen in the locking state is unlocked, and the corresponding mobile payment application is started; and when the acquired first fingerprint information is other finger fingerprints and is not matched with the preset reference fingerprint, indicating that the payment is failed. The payment applications include all applications capable of supporting offline mobile payment, such as a payment treasure, WeChat payment, and an NFC payment function of a mobile phone.
The starting fingerprint information is used for unlocking the touch screen and starting the corresponding mobile payment application, two steps of fingerprint unlocking and application starting in the prior art are combined into one step to be completed, and the convenience of mobile payment use is greatly improved.
Step S205: detecting whether the first fingerprint information is matched with the pre-configured login fingerprint information.
Step S206: if so, displaying one or more pieces of payment account information corresponding to the first fingerprint information, and executing step S208; if not, step S207 is prompted to fail payment.
In order to improve the identification degree of different payment account information, the payment account information does not adopt the conventional text information such as the bank card number and the like, but adopts a more intuitive image information mode. Different payment account information can be configured in advance, and the specific steps are as follows:
and acquiring image information of the plurality of bank cards by photographing, and corresponding the image information of the plurality of bank cards to the information of the plurality of payment accounts. The image information of a plurality of bank cards is obtained by photographing, the bank card numbers in the image are automatically obtained through an image analysis technology, the bank card banks are automatically identified, and the corresponding relation between the password and the image information and the corresponding relation between the password and the card numbers are established through manually inputting the password. Therefore, the user can visually identify the bank account only through the image information without memorizing the corresponding bank card number.
And establishing a corresponding relation between each piece of payment account information and at least one piece of login fingerprint information, and establishing a corresponding relation between each piece of payment account information and at least one piece of authorization fingerprint information. By establishing the corresponding relation, the corresponding payment account information can be matched when the fingerprints are matched. That is, when it is detected that the first fingerprint information matches the pre-configured login fingerprint information, image information of one or more bank cards corresponding to the first fingerprint information is displayed so that the user selects a corresponding payment account.
Step S208: and after one of the one or more payment account information is selected, making payment according to the selected payment account information.
Because the same user may have a plurality of payment account information, in order to improve the security of each payment account information, the legality of a certain payment account information can be authenticated after the certain payment account information is selected, and the specific authentication process can be realized by inputting a payment password or by adopting a fingerprint identification mode. The present embodiment takes a fingerprint identification method as an example for explanation. After the payment account information is selected, fingerprint information of the user needs to be collected again. The fingerprint information may be the same as or different from the first collected fingerprint information. Therefore, a touch screen action input by the user on the touch screen of the electronic device when one of the one or more payment account information is selected needs to be acquired, and the second fingerprint information is obtained from the touch screen action, so as to authenticate the selected payment account information. And when the second fingerprint information is matched with the preset authorized fingerprint information, payment is carried out according to the image information of the selected bank card. The specific payment process can be referred to the following ways:
the first method is as follows: and when the second fingerprint information is matched with the pre-configured authorized fingerprint information, displaying a payment code scanning interface or activating an NFC payment function.
And when the second fingerprint information is successfully matched with the authorized fingerprint information, displaying a payment code scanning interface or activating an NFC payment function. The authorization fingerprint information is used for authenticating different account information, wherein different account information can be configured with different fingerprint information, so that the problem of password leakage is not necessary to worry.
And scanning the code of the order to be paid to generate payment information, or acquiring the payment information of the order to be paid through an NFC payment function.
Here, the payment information of the order to be paid can be acquired through a WeChat payment code scanning or Paibao code scanning mode, and the payment information of the order to be paid can also be acquired through an NFC near field payment mode.
And paying the order to be paid according to the payment information and the image information of the selected bank card.
And after the payment information of the order to be paid is acquired, paying the order to be paid according to the selected payment account information, namely the image information of the selected bank card.
Alternatively, the following payment operations may also be performed:
the second method comprises the following steps: and when the second fingerprint information is matched with the preset authorized fingerprint information, generating a payment code for payment according to the image information of the selected bank card, so that a merchant can scan the payment code and pay the order to be paid.
In summary, the mobile payment method of the second embodiment of the present invention specifically adopts a fingerprint verification method instead of a traditional user name and password method, so that the mobile payment method has higher security and convenience and practicability, and due to the uniqueness of the fingerprint, corresponding account information can be matched in a plurality of pre-stored account information through fingerprint matching, thereby simplifying the operation steps in the mobile payment process, realizing the sharing of a plurality of users of the same electronic device, and facilitating the switching of the users.
EXAMPLE III
As shown in fig. 3, the mobile payment method specifically includes the following steps:
step S301: a touch screen action on a touch screen of an electronic device is acquired.
After the touch screen action on the touch screen of the electronic equipment is acquired, the fingerprint scanning function of the touch screen of the electronic equipment is triggered. In order to avoid the occurrence of the misoperation, preferably, the duration of the touch screen action can be detected, and when the duration of the touch screen action is detected to exceed a preset threshold, the fingerprint scanning function of the touch screen of the electronic device is started.
Step S302: and obtaining first fingerprint information according to the touch screen action.
According to the touch action, after the fingerprint scanning function of the touch screen of the electronic equipment is triggered, the scanned fingerprint information is used as first fingerprint information.
When the touch screen of the electronic device is in a locked state, the touch screen can be unlocked in a fingerprint unlocking mode, and specifically, the method comprises the following steps:
after the first fingerprint information is acquired, the method specifically comprises the following steps:
step S303: the mobile payment application is launched.
After the first fingerprint information is acquired, namely after the fingerprint of the user is input, the electronic equipment automatically starts the corresponding mobile payment application, which is similar to the starting and self-starting process of some application programs.
Step S304: detecting whether the first fingerprint information is matched with the pre-configured login fingerprint information.
Step S305: and if the first fingerprint information is matched with the pre-configured login fingerprint information, unlocking the locking state of the touch screen.
The electronic equipment can be configured with a plurality of reference fingerprint information, besides the unlocking fingerprint information and the starting fingerprint information, login fingerprint information used for logging in corresponding mobile payment applications and identifying account information of different users can be pre-configured, and in addition, the login fingerprint information can be configured to be used for unlocking the locking state of the touch screen.
After the screen is unlocked, the method specifically comprises the following steps:
step S306: displaying one or more payment account information corresponding to the first fingerprint information, and performing step S308; if not, prompting step S307 that the payment fails.
In order to improve the identification degree of different payment account information, the payment account information does not adopt the conventional text information such as the bank card number and the like, but adopts a more intuitive image information mode. Different payment account information can be configured in advance, and the specific steps are as follows:
and acquiring the image information of the plurality of bank cards in a photographing mode, and corresponding the image information of the plurality of bank cards to the information of the plurality of payment accounts. The image information of a plurality of bank cards is obtained by photographing, the bank card numbers in the image are automatically obtained through an image analysis technology, the bank card banks are automatically identified, and the corresponding relation between the password and the image information and the corresponding relation between the password and the card numbers are established through manually inputting the password. Therefore, the user can visually identify the bank account only through the image information without memorizing the corresponding bank card number.
And establishing a corresponding relation between each piece of payment account information and at least one piece of login fingerprint information, and establishing a corresponding relation between each piece of payment account information and at least one piece of authorization fingerprint information. By establishing the corresponding relation, the corresponding payment account information can be matched when the fingerprints are matched. That is, when it is detected that the first fingerprint information matches the pre-configured login fingerprint information, image information of one or more bank cards corresponding to the first fingerprint information is displayed so that the user selects a corresponding payment account.
Step S308: and after one of the one or more payment account information is selected, making payment according to the selected payment account information.
Because the same user may have a plurality of payment account information, in order to improve the security of each payment account information, the legality of a certain payment account information can be authenticated after the certain payment account information is selected, and the specific authentication process can be realized by inputting a payment password or by adopting a fingerprint identification mode. In this embodiment, a fingerprint identification manner is taken as an example for explanation, and after the payment account information is selected, the fingerprint information of the user needs to be collected again. The fingerprint information may be the same as or different from the first collected fingerprint information. Therefore, a touch screen action input on a touch screen of the electronic device when one of the one or more payment account information is selected needs to be acquired to obtain the second fingerprint information, so as to authenticate the selected payment account information. And when the second fingerprint information is matched with the preset authorized fingerprint information, payment is carried out according to the image information of the selected bank card. The specific payment process can be referred to the following ways:
the third method comprises the following steps: and when the second fingerprint information is matched with the pre-configured authorized fingerprint information, displaying a payment code scanning interface or activating an NFC payment function.
And when the second fingerprint information is successfully matched with the authorized fingerprint information, displaying a payment code scanning interface or activating an NFC payment function. The authorization fingerprint information is used for authenticating different account information, wherein different account information can be configured with different fingerprint information, so that the problem of password leakage is not necessary to worry.
And scanning the code of the order to be paid to generate payment information, or acquiring the payment information of the order to be paid through an NFC payment function.
Here, the payment information of the order to be paid can be acquired through a WeChat payment code scanning or Paibao code scanning mode, and the payment information of the order to be paid can also be acquired through an NFC near field payment mode.
And paying the order to be paid according to the payment information and the image information of the selected bank card.
And after the payment information of the order to be paid is acquired, paying the order to be paid according to the selected payment account information, namely the image information of the selected bank card.
Alternatively, the following payment operations may also be performed:
the method is as follows: and when the second fingerprint information is matched with the preset authorized fingerprint information, generating a payment code for payment according to the image information of the selected bank card, so that a merchant can scan the payment code and pay the order to be paid.
In summary, the mobile payment method of the second embodiment of the present invention specifically adopts a fingerprint verification method instead of a traditional user name and password method, so that the mobile payment method has higher security and convenience and practicability, and due to the uniqueness of the fingerprint, corresponding account information can be matched in a plurality of pre-stored account information through fingerprint matching, thereby simplifying the operation steps in the mobile payment process, realizing the sharing of a plurality of users of the same electronic device, and facilitating the switching of the users.
Example four
According to still another aspect of the embodiments of the present invention, there is also provided an electronic device including a touch screen having a fingerprint recognition function, as shown in fig. 4, the electronic device further including:
the first obtaining module 401 is configured to obtain a touch screen action on a touch screen, and obtain first fingerprint information from the touch screen action;
a first processing module 402, configured to, when the first fingerprint information matches the preconfigured login fingerprint information, successfully login to the payment application, and display one or more payment account information corresponding to the first fingerprint information;
a payment module 403, configured to perform payment according to selected payment account information after one of the one or more payment account information is selected.
The fourth embodiment is the electronic device corresponding to the mobile payment method in the first embodiment, and all implementation manners of the method in the first embodiment are applicable to the embodiment of the electronic device, so that the same technical effect can be achieved.
EXAMPLE five
The electronic device includes a first obtaining module 401, a first processing module 402, and a payment module 403, and further includes:
the first detection module is used for detecting whether the first fingerprint information is matched with the preconfigured starting fingerprint information or not;
the second processing module is used for unlocking the touch screen in the locking state and starting the mobile payment application when the touch screen is matched with the mobile payment application; otherwise, the payment is prompted to fail.
Wherein, this electronic equipment still includes:
and the second acquisition module is used for acquiring the image information of the plurality of bank cards and acquiring the information of the plurality of payment accounts according to the image information of the plurality of bank cards.
And the creating module is used for creating a corresponding relation between each piece of payment account information and at least one piece of login fingerprint information and creating a corresponding relation between each piece of payment account information and at least one piece of authorization fingerprint information. The image information of a plurality of bank cards is obtained by photographing, the bank card numbers in the image are automatically obtained through an image analysis technology, the bank cards are automatically identified, and the corresponding relation between the password and the image information and the corresponding relation between the password and the card numbers are established through manually inputting the password.
And the display module is used for displaying the image information of one or more bank cards corresponding to the first fingerprint information.
The payment module 403 specifically includes:
the acquisition unit is used for acquiring touch screen actions input on a touch screen of the electronic equipment when the user selects the image information of the bank card for payment, and acquiring second fingerprint information from the touch screen actions;
and the payment unit is used for paying according to the image information of the selected bank card when the second fingerprint information is matched with the preset authorized fingerprint information.
Wherein, above-mentioned payment unit includes:
the first processing subunit is used for displaying a payment code scanning interface or activating an NFC payment function when the second fingerprint information is matched with the pre-configured authorization fingerprint information;
the first generating subunit is used for generating payment information according to the code scanning result or acquiring the payment information of the order to be paid through a Near Field Communication (NFC) payment function;
and the first payment subunit is used for paying the order to be paid according to the payment information and the image information of the selected bank card.
Alternatively, the payment unit may include:
and the second payment subunit is used for generating a payment code for payment according to the image information of the selected bank card when the second fingerprint information is matched with the preset authorization fingerprint information.
The fifth embodiment is the electronic device corresponding to the mobile payment method described in the second embodiment, and all implementation manners of the method described in the second embodiment are applicable to the embodiment of the electronic device, and the same technical effect can be achieved.
EXAMPLE six
The electronic device includes a first obtaining module 401, a first processing module 402, and a payment module 403, and further includes:
the starting module is used for starting the mobile payment application when the touch screen of the electronic equipment is in a locking state;
and the unlocking module is used for unlocking the locking state of the touch screen when the first fingerprint information is matched with the pre-configured login fingerprint information.
Wherein, this electronic equipment still includes:
and the second acquisition module is used for acquiring the image information of the plurality of bank cards and acquiring the information of the plurality of payment accounts according to the image information of the plurality of bank cards.
And the creating module is used for creating a corresponding relation between each piece of payment account information and at least one piece of login fingerprint information and creating a corresponding relation between each piece of payment account information and at least one piece of authorization fingerprint information. The image information of a plurality of bank cards is obtained by photographing, the bank card number in the image is automatically obtained through an image analysis technology, the bank card is automatically identified, and the corresponding relation between the password and the image information and the card number is established through manually inputting the password.
And the display module is used for displaying the image information of one or more bank cards corresponding to the first fingerprint information.
The payment module 403 specifically includes:
the acquisition unit is used for acquiring touch screen actions input on a touch screen of the electronic equipment when the user selects the image information of the bank card for payment, and acquiring second fingerprint information from the touch screen actions;
and the payment unit is used for paying according to the image information of the selected bank card when the second fingerprint information is matched with the preset authorized fingerprint information.
Wherein, above-mentioned payment unit includes:
the first processing subunit is used for displaying a payment code scanning interface or activating an NFC payment function when the second fingerprint information is matched with the pre-configured authorization fingerprint information;
the first generating subunit is used for generating payment information according to the code scanning result or acquiring the payment information of the order to be paid through a Near Field Communication (NFC) payment function;
and the first payment subunit is used for paying the order to be paid according to the payment information and the image information of the selected bank card.
Alternatively, the payment unit may include:
and the second payment subunit is used for generating a payment code for payment according to the image information of the selected bank card when the second fingerprint information is matched with the preset authorization fingerprint information.
The sixth embodiment is the electronic device corresponding to the mobile payment method described in the third embodiment, and all implementation manners in the third embodiment of the payment method are applicable to the sixth embodiment of the electronic device, and the same technical effect can be achieved. The fingerprint verification mode is adopted to replace the traditional user name and password mode, the security and the convenience and the practicability are higher, and due to the uniqueness of the fingerprint, the corresponding account information can be matched in the prestored account information through fingerprint matching, the operation steps in the mobile payment process are simplified, the sharing of multiple users of the same electronic equipment can be realized, and the functions of the users can be switched conveniently.
Many of the functional units described in this specification have been labeled as modules, in order to more particularly emphasize their implementation independence. When the module can be implemented by software, the corresponding function can be implemented by software in consideration of the level of the existing hardware technology; those skilled in the art may implement corresponding functions by constructing corresponding hardware circuits, which include conventional Very Large Scale Integration (VLSI) circuits or gate arrays and conventional semiconductors such as logic chips, transistors, or other discrete components, without considering cost. A module may also be implemented in programmable hardware devices such as field programmable gate arrays, programmable array logic, programmable logic devices or the like.
While the preferred embodiments of the present invention have been described, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the following claims.
Claims (10)
1. A mobile payment method is applied to an electronic device, the electronic device comprises a touch screen with a fingerprint identification function, and the method is characterized by comprising the following steps:
the method comprises the steps of obtaining touch screen actions on a touch screen of the electronic equipment, and obtaining first fingerprint information from the touch screen actions;
if the first fingerprint information is matched with the pre-configured login fingerprint information, the login of the payment application is successful and one or more payment account information corresponding to the first fingerprint information is displayed;
after one payment account information of the one or more payment account information is selected, payment is carried out according to the selected payment account information;
when the touch screen of the electronic device is in a locked state, after the first fingerprint information is obtained, the mobile payment method further includes: detecting whether the first fingerprint information is matched with pre-configured starting fingerprint information; if the mobile terminal is matched with the mobile terminal, unlocking the touch screen in the locking state and starting the payment application;
or, when the touch screen of the electronic device is in the locked state, after the first fingerprint information is obtained, the mobile payment method further includes: starting a payment application; and if the first fingerprint information is matched with the pre-configured login fingerprint information, unlocking the locking state of the touch screen.
2. The mobile payment method of claim 1, wherein prior to displaying the one or more payment account information corresponding to the first fingerprint information, further comprising:
acquiring image information of a plurality of bank cards, and acquiring a plurality of payment account information according to the image information of the plurality of bank cards;
establishing a corresponding relation between each piece of payment account information and at least one piece of pre-configured login fingerprint information, and establishing a corresponding relation between each piece of payment account information and at least one piece of pre-configured authorization fingerprint information;
displaying one or more payment account information corresponding to the first fingerprint information, including: and displaying image information of one or more bank cards corresponding to the first fingerprint information.
3. The mobile payment method of claim 2, wherein after a payment account information of the one or more payment account information is selected, making a payment according to the selected payment account information comprises:
acquiring touch screen actions input on a touch screen of the electronic equipment when a user selects image information of a bank card for payment, and acquiring second fingerprint information from the touch screen actions;
and when the second fingerprint information is matched with the authorized fingerprint information, payment is carried out according to the image information of the selected bank card.
4. The mobile payment method of claim 3, wherein when the second fingerprint information matches the authorization information, making payment according to the image information of the selected bank card comprises:
when the second fingerprint information is matched with the authorization fingerprint information, displaying a payment code scanning interface or activating an NFC payment function;
generating payment information according to the code scanning result, or acquiring the payment information of the order to be paid through a Near Field Communication (NFC) payment function;
and paying the order to be paid according to the payment information and the image information of the selected bank card.
5. The mobile payment method of claim 3, wherein when the second fingerprint information matches the authorization information, making payment according to the image information of the selected bank card comprises:
and when the second fingerprint information is matched with the preset authorized fingerprint information, generating a payment code for payment according to the image information of the selected bank card.
6. An electronic device including a touch screen having a fingerprint recognition function, the electronic device comprising:
the first acquisition module is used for acquiring touch screen actions on a touch screen and acquiring first fingerprint information from the touch screen actions;
the first processing module is used for successfully logging in the payment application when the first fingerprint information is matched with the pre-configured login fingerprint information, and displaying one or more payment account information corresponding to the first fingerprint information;
the payment module is used for paying according to the selected payment account information after one of the one or more payment account information is selected;
the electronic device further includes: the first detection module is used for detecting whether the first fingerprint information is matched with the preconfigured starting fingerprint information or not; the second processing module is used for unlocking the touch screen in the locking state and starting the payment application when the touch screen is matched with the payment application;
or, the electronic device further comprises: the starting module is used for starting the payment application when the touch screen of the electronic equipment is in a locking state; and the unlocking module is used for unlocking the locking state of the touch screen when the first fingerprint information is matched with the pre-configured login fingerprint information.
7. The electronic device of claim 6, further comprising:
the second acquisition module is used for acquiring the image information of a plurality of bank cards and acquiring a plurality of payment account information according to the image information of the plurality of bank cards;
the system comprises a creating module, a storage module and a processing module, wherein the creating module is used for creating a corresponding relation between each piece of payment account information and at least one piece of pre-configured login fingerprint information and creating a corresponding relation between each piece of payment account information and at least one piece of pre-configured authorization fingerprint information;
and the display module is used for displaying the image information of one or more bank cards corresponding to the first fingerprint information.
8. The electronic device of claim 7, wherein the payment module comprises:
the acquisition unit is used for acquiring touch screen actions input on a touch screen of the electronic equipment when a user selects image information of a bank card for payment, and acquiring second fingerprint information from the touch screen actions;
and the payment unit is used for paying according to the image information of the selected bank card when the second fingerprint information is matched with the authorized fingerprint information.
9. The electronic device of claim 8, wherein the payment unit comprises:
the first processing subunit is used for displaying a payment code scanning interface or activating an NFC payment function when the second fingerprint information is matched with the authorization fingerprint information;
the first generating subunit is used for generating payment information according to the code scanning result or acquiring the payment information of the order to be paid through a Near Field Communication (NFC) payment function;
and the first payment subunit is used for paying the order to be paid according to the payment information and the image information of the selected bank card.
10. The electronic device of claim 8, wherein the payment unit comprises:
and the second payment subunit is used for generating a payment code for payment according to the image information of the selected bank card when the second fingerprint information is matched with the authorization fingerprint information.
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| CN201510583140.0A CN105825382B (en) | 2015-09-14 | 2015-09-14 | Mobile payment method and electronic equipment |
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| CN105825382A CN105825382A (en) | 2016-08-03 |
| CN105825382B true CN105825382B (en) | 2022-03-11 |
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