CN105913248A - Mobile Internet service application-based on line payment system - Google Patents

Mobile Internet service application-based on line payment system Download PDF

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Publication number
CN105913248A
CN105913248A CN201610220346.1A CN201610220346A CN105913248A CN 105913248 A CN105913248 A CN 105913248A CN 201610220346 A CN201610220346 A CN 201610220346A CN 105913248 A CN105913248 A CN 105913248A
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China
Prior art keywords
user
service
mobile terminal
data
module
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Granted
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CN201610220346.1A
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Chinese (zh)
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CN105913248B (en
Inventor
胡荣强
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SICHUAN HEXIN YUANCHUANG LABOR Co.,Ltd.
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Sichuan Yading Huyang Resource Group Co Ltd
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Priority to CN201610220346.1A priority Critical patent/CN105913248B/en
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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
    • 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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/3821—Electronic credentials

Abstract

The invention relates to a mobile Internet service application-based on line payment system comprising a mobile terminal and a service terminal. The mobile terminal comprises a watermark verifying module, the service terminal comprises a watermark generating module which responds to successful verification of personnel information to generate an invisible watermark image which is added to a certificate image uploaded by a user, the watermark image and the certificate image uploaded by the user are respectively stored in the mobile terminal, the watermark image and the certificate image are automatically synthesized and uploaded only when being needed to uploaded to the service terminal, an account setting request to the mobile terminal via the service terminal, the mobile terminal responds to the account setting request, the watermark image is added to an order form confirmed by the user, the order form having the watermark image is sent to the service terminal, or a service completion notice is sent to the service terminal via the mobile terminal, the service terminal responds to the service completion notice, the account setting request is sent to the mobile terminal, the mobile terminal responds to the account setting request, the watermark image is added to the order form confirmed by the user, and the order form having the watermark image is sent to the service terminal.

Description

A kind of on-line payment system based on mobile internet service application
Technical field
The present invention relates to mobile internet service application, particularly relate to a kind of based on mobile Internet clothes The on-line payment system of business application.
Background technology
Issue and search for the important need that information on services is netizen on the internet, as 58 same cities, These information on services issuing web sites such as net of going to market are namely based on this demand and set up.Here service letter Breath includes relevant to Working Life various for service and demand information, as household services and demand information, Training service and demand information, house to let and ask rent information, recruitment and work requirements information etc..Currently, Netizen when issuing service information and search information on services, is more desirable to nearby on information on services issuing web site Release news or to obtain information nearby, i.e. information on services relevant to self geographical position more so that All services are more convenient, efficiently and high-quality, not only saved cost of serving, be also society's money simultaneously The one in source is more reasonably utilized.
On the other hand, along with intelligent movable communication equipment, such as, smart mobile phone, panel computer, intelligence Popularizing of handheld terminal etc., can this kind equipment be utilized to realize on-line payment anywhere or anytime have become popular The hot issue paid close attention to, the key solving this problem is then operability and safety issue. What operability problems produced has its source in: the bank card that current people are held gets more and more, for root Using different bank cards to pay according to needing, people have to carry with various bank card, and this is not Only cause the inconvenience carried, there is also the risk that bank card is lost.At present, market has occurred , all there is this operational problem in on-line payment product, the most this kind of product needed connects one on mobile phone Small-sized swiping card equipment, has been swiped the card on-line payment by client.The root that safety issue produces exists In: at present, along with virus spreading unchecked on intelligent movable communication equipment, the information security of this kind equipment is asked Topic is day by day serious, when inputting payment cipher on intelligent movable communication equipment and paying, and payment information There is the great risk being ravesdropping, distorting.Therefore, can moral conduct and safety the becoming urgently of on-line payment Technical problem to be solved.
Chinese patent (publication No. is CN104299135A) discloses a kind of on-line payment system and side Method.The system that this patent provides includes that server unit, account maintenance unit, CA accreditation add with data Close unit, order generate and send gateway unit with query unit, order, order status changes notification unit. The method that this patent provides fully has gathered the technology such as network, computer, communication, data encryption, passes through Data Integration is become a complete order by operation system and specified protocol pays, completes number by CA After word certificate, use DES algorithm that this order is encrypted, and be sent to bank's gateway.Thus realize Bank safe, complete, reliable order data sends, and this method provides a kind of at internet environment A kind of new model of lower payment.But, the order data involved by system and method that this patent provides needs To be transmitted between multiple systems, its data to be encrypted and there is complexity；On the other hand, lack To payer and the step of the authentication of payee, payer is in the case of uncertain payee's identity Pay, the problem that presence service expense is falsely taken.
Summary of the invention
For the deficiency of prior art, the invention provides a kind of based on mobile internet service application Line payment system, described system includes that mobile terminal and service end, described mobile terminal include watermark verification module, Described service end includes watermark generation module,
Described watermark generation module makes an addition to user in response to the successful examination & verification generation of userspersonal information The watermarking images on certificate image uploaded, wherein, the certificate image that described watermarking images and user upload It is stored separately in described mobile terminal, is only just automatically synthesized also on backstage when needs are uploaded to described service end Upload, and
Sending settlement request in described service end to described mobile terminal, described mobile terminal is in response to described clearing Request, adds described watermarking images to the order confirmed through user and by ordering with described watermarking images Single-shot delivers to described service end to carry out the payment of service fee, or
Described mobile terminal sends service completion notice to described service end, and described service end is in response to described clothes Business completion notice to described mobile terminal send settlement request, described mobile terminal in response to described settlement request, Described watermarking images is added to the order confirmed through user and will send out with the order of described watermarking images Deliver to described service end to carry out the payment of service fee.
Watermarking images and certificate image are stored separately in mobile terminal by the present invention, are only uploaded to service at needs Just it is automatically synthesized on backstage during end and uploads, lawless person can be avoided to use the technology of image procossing Means, the out-trick fortuitous event of service end of such as simple screenshotss occurs；On the other hand, the present invention passes through Watermarking images is added to the order confirmed through user and the order with watermarking images is sent to service Holding to carry out the payment of service fee, the fortuitous event that service fee can be avoided to be falsely taken occurs.
According to a preferred implementation, the certificate figure with described watermarking images that described mobile terminal is uploaded As the data match module through described service end receives and is sent to the watermark verification module of user, described water The watermark figure that watermarking images in the described order that print authentication module will collect sends with described service end As mating, enable a user to be carried out mutually authentication by described system.
According to a preferred implementation, described watermarking images comprise by secret key formed in normal distribution Watermark matrix, described watermark verification module is by the described order that described watermark verification module collected Watermark matrix in the watermarking images that the watermark matrix of watermarking images sends with described service end mates And complete the authentication to the other user according to matching result.
According to a preferred implementation, described watermarking images is provided with the image acquisition of described mobile terminal and sets For being capable of identify that but the unrecognizable spectrum of human eye, unrecognizable for human eye described watermarking images is added extremely To ensure the reliability of authentication in the certificate image that user uploads.The present invention is unrecognizable by human eye Watermarking images adds to certificate image so that watermarking images is also avoided that without being stored encrypted in mobile terminal The fortuitous event of lawless person's forged certificate occurs.
According to a preferred implementation, described mobile terminal also includes that payment module, described service end are also wrapped Include financial management module, described financial management module receive that described mobile terminal sends with described watermark figure The order of picture also determines payment information based on described order, and, described financial management module is by described The information of paying generates Quick Response Code and described Quick Response Code is sent the payment module to demand for services user, by sweeping Retouch the Quick Response Code of demand for services user's payment module to complete reimbursement of expense.
According to a preferred implementation, described payment information includes that described financial management module is based on described The payment expense that determines of the order with described watermarking images that mobile terminal sends and pay object.
According to a preferred implementation, described mobile terminal also includes for submitting to and/or upload user The personal information module of geographic position data and attribute data, for submitting to and/or the demand of upload user The demand data acquisition module of data and the service of the other side and/or demand are evaluated for user Service evaluation module；
Described service end also include for preserve through described mobile terminal send including at least geographical position number According to, attribute data and/or the server module of demand data, send through described mobile terminal based on user Data or instruction are extracted and/or update the geographic position data of user, attribute data and/or demand data also Described data are sent the user management module to data match module, is used for extracting user through described movement With service provisioning items and/or demand for services project phase in the attribute data of end transmission and/or demand data Information on services module that the data described data being carried out closed store and sending based on described mobile terminal Geographic position data sets up the first mapping table, the attribute data sent based on described mobile terminal and/or demand Data set up the data match module of the second mapping table；Further,
Described data match module is based on responding data that described mobile terminal sends or instruction completes described the One mapping table and the renewal of described second mapping table, to second after the first mapping table after updating and renewal Mapping table by described data match module carry out servicing in the way of mutual coupling with demand mate and/or Screening, and the data after coupling and/or screening are back to described mobile terminal as information on services.
According to a preferred implementation, described first mapping table is that described data match module is based on first Geographic position data that user sends through described mobile terminal and the first user set up with at least one second The corresponding relation list of user；
Described second mapping table is that described data match module sends through described mobile terminal based on first user Attribute data and/or demand data and the first user set up is corresponding with at least one the second user closes Series of tables.
According to a preferred implementation, the first mapping table after renewal be described data match module based on Described first mapping table and first user service with inquiry service and/or offer through what described mobile terminal sent Geographic position data after the renewal that relevant data or instructions match go out and the first user set up with at least The corresponding relation list of one the second user；
The second mapping table after renewal is that described data match module is based on described second mapping table and first User services relevant data or instructions match through what described mobile terminal sent to inquiry service and/or offer Attribute data and/or demand data after the renewal gone out and the first user set up and at least one second user Corresponding relation list.
According to a preferred implementation, the mobile terminal device of described system is smart mobile phone, flat board electricity Brain or notebook computer, and, described mobile terminal device passes through WiFi, bluetooth, ZigBee, movement 2G, mobile 3G or mobile 4G realize the data transmission of described mobile terminal and described service end.
The present invention provide based on mobile internet service application on-line payment system before payment starts, The identity of user can be identified and verify, for the service between user by the way of adding watermarking images Provide quality assurance and safety guarantee, falsely claim as one's own the unexpected feelings of service fee simultaneously prevented also from lawless person Condition occurs；On the other hand, the on-line payment system based on mobile internet service application of the present invention is passed through The form that payment information generates Quick Response Code sends to payer, and user can be completed by scanning Quick Response Code Pay, there is advantage easily and efficiently.
Accompanying drawing explanation
Fig. 1 is the module diagram of the on-line payment system that the present invention applies based on mobile internet service；
Fig. 2 is the module diagram of the watermark generation unit of the present invention；
Fig. 3 is the module diagram of the watermark verification unit of the present invention；
Fig. 4 be the on-line payment system that the present invention applies based on mobile internet service the first mapping table, Second mapping table, update after the first mapping table and the schematic diagram of the second mapping table after updating；With
Fig. 5 is the Service management process of the on-line payment system that the present invention applies based on mobile internet service Figure.
Reference numerals list
10: mobile terminal 20: service end
101: personal information module 101a: geographical position inquiry service unit
102: demand data acquisition module 103: service evaluation module
104: watermark verification module 104a: watermark artwork acquiring unit
104b: local feature region recognition unit 104c: local feature region determines unit
104d: image correction unit 104e: watermark Adding Area determines unit
104f: watermark matrix determines unit 104g: watermark recognition unit
105: payment module 201: server module
202: user management module 203: information on services module
204: data match module 205: watermark generation module
205a: local feature region extraction unit 205b: watermark Adding Area selects unit
205c: watermark matrix signal generating unit 205d: watermark adding device
206: financial management module
Detailed description of the invention
It is described in detail below in conjunction with the accompanying drawings.
The first user of the present invention can be that service provides user, it is possible to for demand for services user.Second user The service of being alternatively provides user or demand for services user.When first user provides user for service, accordingly The second user be demand for services user.When first user is demand for services user, corresponding second uses Family provides user for service.The user of the present invention refers to that demand for services user and/or service provide user.
As it is shown in figure 1, this system includes mobile terminal 10 and service end 20.Mobile terminal 10 is applicable to clothes Business demand user and service provide user.The mobile terminal device of this system is smart mobile phone, panel computer Or notebook computer.Mobile terminal device is by WiFi, bluetooth, ZigBee, mobile 2G, mobile 3G Or movement 4G realizes the data transmission of mobile terminal 10 and service end 20.
According to a preferred implementation, mobile terminal 10 includes personal information module 101, demand data Acquisition module 102, service evaluation module 103, watermark verification module 104 and payment module 105. Wherein, personal information module 101 includes again geographical position inquiry service unit 101A.
Personal information module 101 is submitted to for user and/or uploads attribute data and geographic position data, And attribute data and geographic position data transmission are preserved to server module 201.Preferably, clothes The attribute data of business demand user includes address name, phone, conventional address and real-time address etc..Wherein, Conventional address is subscriber household address and/or business address.Real-time address is that geographical position inquiry service is single The address that unit 101A obtains based on GPS and/or iBeacon location mode.Service provides the genus of user Property data include address name, phone, company, conventional address, shroff account number information, individual's educational background, Training experience, working experience, technical ability or qualification certificates etc..Personal information module 101 also can receive and show Show that service provides the grade of service and the demand for services user review information to it of user.Preferably, individual People's information module 101 is additionally operable to receive and show that this system pushes and service and/or relevant the disappearing of demand Breath and/or prompting.Message and/or prompting that system pushes include system group single information, demand for services order Details etc..Preferably, the single information of system group and demand for services order details include service item, Service time, service location and rate grade and charging way etc..
Demand data acquisition module 102 is used for submitting to and/or the demand data of upload user, and by demand Data transmission preserves to server module 201.Demand data includes required service project, service ground Location, service time, service provide user gradation etc..Preferably, demand for services user also can be according to self Demand for services coupling system provides price reference hierarchy to select COS and valuation model.Determine service class After type and valuation model, demand data acquisition module 102 with list and/or map mode show near The related service of line provides the information of user.Demand for services user can check that service provides the detailed letter of user Breath, places an order to satisfied client's reservation.Wherein, service provides the details of user to include providing service Type, the grade of service and time period etc. of order can be received.Preferably, demand for services user can pass through Demand data acquisition module 102 consults historic demand information.Historic demand information according to away from phase today by closely And far present with list mode.Historic demand information content includes that demand information produces date, Demand and service Kind, rate situation, service satisfaction and service provide user's contact method etc..Preferably, service needs Ask user can provide user based on its service that is satisfied or that be familiar with of historic demand information singles, and for service User's reservation is provided to place an order.
Service and/or the demand of the other side are evaluated by service evaluation module 103 for user, and will comment The transmission of valency information preserves to personal information module 101.Preferably, demand for services user can be by clothes Service is provided the service quality of user, attitude, efficiency of service etc. to comment by business evaluation module 103 Valency.Service provide user also can by service evaluation module 103 to the service request of demand for services user, Service complexity, service fee etc. are evaluated.Preferably, this evaluation information cannot be modified by the user.
Watermark verification module 104 is for the electronics providing service offer personnel and/or the water of paper document Watermark image is verified, provides the identity information of personnel with confirmed service.People is provided with service on certificate The head portrait of member.Certificate includes the certificate through staff manual verification such as job qualification certificate, identity card.Or, Watermark verification module 104 is for the electronics providing demand for services user and/or the watermark figure of paper document As verifying, with the identity information of confirmed service demand user.User uses watermark verification module 104 After verifying watermarking images, payment behavior just can start, it is ensured that the safety of two parties and service Expense will not be falsely taken.The identity information of service offer personnel and/or demand for services user is verified Time, it is only necessary to first extract watermarking images, verify whether whether to there is watermarking images and watermarking images through usurping Changing, can complete certification, storage load and workload to mobile terminal and service end require the lowest.
Payment module 104 scans the Quick Response Code of the second user to complete reimbursement of expense by first user.Excellent Selection of land, demand for services user is provided in user's payment module 104 by payment module 104 scan service Quick Response Code to determine payment.Preferably, demand for services user payment process can use reward voucher two Dimension code, the actual delivery amount of money generated according to payment module 104 pays.Or, payment module 104 can be by the reimbursement of expense message of response financial management unit 202d transmission to complete reimbursement of expense.
According to a preferred implementation, service end 20 includes that server module 201, user manage mould Block 202, information on services module 203, data match module 204, watermark generation module 205 and wealth Business management module 206.
Server module 201 for preserve through mobile terminal 10 send including at least geographic position data, Attribute data and/or the information of demand data.Server module 201 will update after the first mapping table and The second mapping table after renewal preserves as history mapping table.Data match module 204 can be based on server Module 201 preserve history mapping table generate at least one first prediction mapping table and at least one second Prediction mapping table, and at least one first prediction mapping table and at least one the second prediction mapping table are preserved In server module 201.Preferably, the first prediction mapping table and the second prediction mapping table are as lower number of times According to the basis updated.Preferably, data match module 204 is based on being stored in server module 201 History mapping table and nerual network technique, map history mapping table and second and map history mapping table first Carry out data analysis and process, it was predicted that and generate the first prediction mapping table and the second prediction mapping table.Data The mode that matching module 204 generates prediction mapping table based on history mapping table and neutral net saves clothes Business end 20 updates the time of coupling mapping table next time.
Data that user management module 202 sends through mobile terminal 10 based on user or instruction is extracted and/or Update the geographic position data of user, attribute data and/or demand data, and will extract and/or update Data send to data match module 204.Preferably, user management module 202 is additionally operable to user's account Number management, including newly-increased or disable user account, check or revise account information etc..User manages mould Block 202 is additionally operable to manage user's submission and/or the attribute data uploaded and based on attribute data and/or use The grade of service determining user is evaluated at family.Preferably, the grade of service is this system individual's letter according to user Breath integrity degree, individual educational background, training experience, working experience, technical ability, qualification certificates, practicing time and User evaluates what information summary determined.
Attribute data that information on services module 203 sends through mobile terminal 10 for extracting user and/or need Seek data relevant to service provisioning items and/or demand for services project in data and these data are deposited Storage.Preferably, information on services module 203 also includes the management of service charging mode.Service charging mode The different services of the different service items according to different cities classification provide user gradations and different.
Data match module 204 is used for mating user and services data and position data.Service data include clothes Business provides attribute data and the demand data of demand for services user of user.Data match module 204 based on Geographic position data and the user profile of user management module 202 that user uploads set up the first mapping table. Attribute data that data match module 204 is uploaded based on user and/or demand data and user manage mould The UAD comprised in block 202 and/or the information of demand data set up the second mapping table.Preferably Ground, the first mapping table is the geography that data match module 204 is uploaded through mobile terminal 10 based on first user The corresponding relation list of position data and the first user set up and at least one the second user.Second maps Attribute data that table is data match module 204 to be uploaded through mobile terminal 10 based on first user and/or need The corresponding relation list of the first user seeking data and set up and at least one the second user.Data Matching mould Data or instruction that block 204 sends based on response mobile terminal 10 complete the first mapping table and the second mapping table Renewal.Preferably, the first mapping table after renewal is that data match module 204 is based on the first mapping table Service relevant data or refer to through what mobile terminal 10 sent to inquiry service and/or offer with first user Geographic position data after the renewal that matches of order and the first user set up are with at least one the second user's Corresponding relation list.The second mapping table after renewal be data match module 204 based on the second mapping table and First user services relevant data or instruction through what mobile terminal 10 sent to inquiry service and/or offer Attribute data and/or demand data after the renewal matched and the first user set up with at least one second The corresponding relation list of user.After data match module 204 is to the first mapping table after updating and renewal Second mapping table carries out servicing and the mating and/or screening of demand in the way of mutual coupling.Data Matching Data after coupling and/or screening are back to mobile terminal 10 as information on services by module 204.
Watermark generation module 205 can not be known for providing the personal information of user to generate human eye according to service Other watermarking images, and watermarking images is attached on all indentations that service offer user uploads.Or Person, the personal information generation human eye that watermark generation module 205 can also be used for according to demand for services user can not The watermarking images identified, and watermarking images is attached on all indentations that demand for services user uploads. Watermarking images comprises the unique watermark matrix in normal distribution generated by secret key.
Financial management module 206 receives the order with described watermarking images the base that mobile terminal 10 sends Payment information is determined in described order.Payment information is generated Quick Response Code and by two by financial management module 206 Dimension code sends the payment module 104 to demand for services user.By scan service demand user's payment module The Quick Response Code of 104 is to complete reimbursement of expense.Preferably, payment information includes financial management module 206 The payment expense that determines of the order with described watermarking images that sends based on mobile terminal 10 and pay right As.The present invention is by introducing payment process by Quick Response Code, it is to avoid traditional short message verification code authentication mode Defect so that the payment process of the present invention is safer, simple, quick.
Embodiment 1
The on-line payment system applied based on mobile internet service with the present invention authentication to user As a example by process.
Service provides user registered by personal information module 101 and uploaded personal information.Service provides to be used Family needs to upload effective qualification certificate to confirm that it possesses qualification on duty.Qualification certificate include identity card, One or more in concrete industry certification that health certificate and relevant unit issue, operation card, at least A kind of certificate has the image of staff.After service provides user to upload relevant qualification certificate, system Manual service personnel qualification certificate is carried out manual review.Manual service personnel examine qualified after, send out Go out and examine qualified instruction.Watermark generation module 205 is based on examining that qualified instruction generates unique watermark figure Picture, and watermarking images is attached on all indentations that service offer user uploads.Watermarking images comprises The watermark matrix in normal distribution generated by secret key.Watermarking images and service provide individual's letter of user Breath, the first mapping table, the second mapping table are interrelated.Service can be transferred by watermarking images and use is provided The information on services at family.Being similar to, demand for services user needs to upload the perfect instrument with head portrait.Watermark The qualified instruction of generation module 205 examination based on manual service personnel generates unique watermarking images, and Watermarking images is attached on the perfect instrument that demand for services user uploads.
According to a preferred implementation, during watermarking images, human eye is sightless, but can be by mobile The image capture device of end 10 detects.Such as, can to shoot human eye sightless for the photographic head of mobile phone Spectral region.Therefore, watermarking images is added to using with the invisible or the most indiscernible spectral region of human eye In the certificate image that family is uploaded, user's forged certificate can be avoided, and, watermarking images is deposited without encryption Storage is in mobile terminal 10.Preferably, by watermarking images with the invisible or the most indiscernible spectral region of human eye Add to the electronic certificate image of user or in paper document image.
According to a preferred implementation, the certificate image that watermarking images and user upload is stored separately in shifting Moved end 10, is only just automatically synthesized on backstage when needs are uploaded to service end 20 and uploads.Preferably Ground, the certificate image that watermarking images and user upload is stored separately the personal information module in mobile terminal 10 In 101.When needing to extract the certificate image being attached with watermarking images, service end 20 is moved to corresponding Moved end 10 sends certificate image and extracts instruction.Personal information module 101 is in response to extracting certificate image Instruction is extracted the watermarking images of service personal and certificate image respectively and synthesizes the card with watermarking images Part image is sent to service end 20.Synthesize on backstage with the certificate image of watermarking images, Without showing user.In other words, watermarking images will not show on the screen of mobile terminal 10, Also it is not stored in the memorizer of mobile terminal 10 with the certificate image of watermarking images.The present invention can Avoid being used the image that image processing techniques means processed to deceive.Such as, simple electronics intercepts Image, watermarking images and certificate image are one, it is impossible to identified by service end 20, thus can not take advantage of Deceive service end 20.
According to a preferred implementation, send settlement request in service end 20 to mobile terminal 10.Move Watermarking images in response to settlement request, is added to the order confirmed through user will be with water by moved end 10 The order of watermark image sends to service end 20 to carry out the payment of service fee.Or mobile terminal 10 to Service end 20 sends service completion notice, and service end 20 is in response to servicing completion notice to mobile terminal 10 Send settlement request.Watermarking images, in response to settlement request, is added and confirms to through user by mobile terminal 10 Order and by with watermarking images order send to service end 20 to carry out the payment of service fee.
According to a preferred implementation, the certificate image warp with watermarking images that mobile terminal 10 is uploaded The data match module 204 of service end 20 receives and is sent to the watermark verification module 104 of user.Water The watermark that watermarking images in the described order that print authentication module 104 will collect sends with service end 20 Image mates.Preferably, watermarking images comprises the watermark matrix in normal distribution formed by secret key, Watermark verification module 104 is by the water of watermarking images in the order that watermark verification module 104 collected Watermark matrix in the watermarking images that print matrix sends with service end 20 carries out mating and according to matching result Complete the authentication to the other user.If the result coupling of the two, then the authentication success to user, Reimbursement of expense can be carried out.If the two does not mates, then authentification failure, system does not perform service fee and pays Operation.
According to a preferred implementation, financial management module 206 is in response to authenticating user identification success Command reception mobile terminal 10 send the order with watermarking images and determine disbursement letter based on order Breath.Preferably, payment information include financial management module 206 based on mobile terminal 10 send with water Print payment expense and payment object that the order attacked suddenly determines.Financial management module 206 is by payment information Generate Quick Response Code and Quick Response Code is sent the payment module 104 to demand for services user, passing through scan service The Quick Response Code of demand user's payment module 104 is to complete reimbursement of expense.
The on-line payment system based on mobile internet service application of the present invention verifies the true of user identity During reality, it is only necessary to first extract watermarking images, verify whether to exist watermarking images and watermarking images whether warp Cross and distort, certification can be completed, to the storage load of service end 20 and workload requirement The lowest.This system completes the payment of service fee based on instruction successful to authenticating user identification, and with The order that family determines adds watermarking images, the problem that service fee is falsely taken can be avoided.
Embodiment 2
The generation of the watermarking images of the on-line payment system applied based on mobile internet service with the present invention As a example by the proof procedure of watermarking images.
As in figure 2 it is shown, watermark generation module 205 includes local feature region extraction unit 205a, watermark Adding Area selects unit 205b, watermark matrix signal generating unit 205c and watermark adding device 205d. Local feature region extraction unit 205a extracts the local feature region of the image of watermark to be added.Watermark is added Unit 205b is chosen for choosing the water of the image of watermark to be added according to the local feature region extracted in region Print Adding Area.Watermark matrix signal generating unit 205c meets the water of normal distribution for using key to generate Print matrix.Watermark adding device 205d adds a watermark to the watermark chosen according to the watermark matrix generated Adding Area.
Preferably, watermark Adding Area is chosen unit 205b and is included that watermark Adding Area block size determines list Unit, block center, watermark Adding Area determine that unit and watermark Adding Area determine unit.Watermark Adding Area Block size determines unit, for setting the size of watermark Adding Area block.Block center, watermark Adding Area is true Cell, for using each local feature region position as the center of a watermark Adding Area block.Water Print Adding Area determines unit, for watermark Adding Area block is formed watermark Adding Area.
Preferably, watermark matrix signal generating unit 205c include random matrix signal generating unit, resolving cell, Random orthogonal matrix signal generating unit and watermark matrix signal generating unit.Random matrix signal generating unit, is used for using It is the random matrix of w × w that key generates two yardsticks.W is the length of side of watermark Adding Area block.Decompose Unit, obtains two orthogonal matrixes for said two random matrix carries out QR decomposition respectively.At random Orthogonal matrix signal generating unit, orthogonal by arrange from big to small for using key to generate a diagonal coefficient Matrix.Watermark matrix signal generating unit, obtains watermark matrix for being multiplied by aforesaid three orthogonal matrixes.
Preferably, watermark adding device 205d includes that the first color space conversion unit, the first conversion are single Unit, the second converter unit, the 3rd converter unit and the second color space conversion unit.First color space Conversion unit, for the image of watermark to be added is transformed into hsv color space from RGB color, Obtain the intensive quantity of image.First converter unit, for carrying out discrete wavelet to the intensive quantity matrix of image Conversion.Second converter unit, for adding the third layer low-frequency wavelet coefficients after wavelet transform Power watermark matrix, described weighting watermark matrix is the product of watermark matrix and weighting coefficient matrix.3rd becomes Change unit, for the third layer low-frequency wavelet coefficients adding weighting watermark matrix being carried out inverse discrete wavelet transformer Change, obtain the image intensity amount after adding watermark.Second color space conversion unit, for adding described Image intensity amount after watermarking replaces original image intensity amount, and by image from hsv color space It is transformed into RGB color, obtains the image after adding watermark.
As it is shown on figure 3, watermark verification module 104 includes that watermark artwork acquiring unit 104a, local are special Levy a recognition unit 104b, local feature region determines unit 104c, image correction unit 104d, water Print Adding Area determines that unit 104e, watermark matrix determine unit 104f and watermark recognition unit 104g. Watermark artwork acquiring unit 104a is according to the certificate of watermark to be identified or Image Acquisition watermark artwork.Watermark Artwork refers to the original image for the certificate not being modified after adding watermark.Watermark artwork is stored in finance Management module 206.After finding watermark artwork in financial management module 206, carry out subsequent step, If financial management module 206 does not has watermark artwork, then watermark verification unit 104 feedback user Authentication failure.Image and the watermark of local feature region recognition unit 104b extraction watermark to be identified are former The local feature region of figure.Local feature region determines the image of the unit 104c watermark to be identified to extracting The local feature region of local feature region and watermark artwork mates, and determines image and the water of watermark to be identified The local feature region matched each other in print artwork.The method of coupling is: by each of one of them image Local feature region all mates with all local feature region of another image.Matching process includes as follows Step:
Step 1, calculates a local feature region of one of them image and all local of another image Minimum range between characteristic point and the second small distance.Wherein, each local feature region can be with one Individual eigenmatrix represents, the property value of the numeric representation local feature in eigenmatrix, and two local are special Distance between levying a little is the distance between two eigenmatrixes.
Step 2, if the ratio of acquired minimum range and the second small distance is less than or equal to first threshold, Then carry out next step, otherwise, it is determined that this local feature region and all local features of another image Point does not mates.
Step 3, if acquired minimum range is less than or equal to Second Threshold, it is determined that there is minimum range Two local feature region match each other, otherwise, it is determined that the institute of this local feature region and another image Local feature region is had not mate.
Step 4, repeats aforementioned three steps, until the local feature region of image of watermark to be identified and former Whether the local feature region of figure mates all has confirmed.
Step 5, obtains the image of watermark to be identified and the local feature region matched each other of watermark artwork.
If the quantity of the local feature region matched each other is more than or equal to the 3rd threshold value, then assert watermark to be identified Image and watermark artwork coupling, otherwise, then assert the two do not mate.
Aforesaid first threshold, Second Threshold and the 3rd threshold value can preset according to practical situation. Generally, in order to ensure the effect identified, can take empirical value, such as, first threshold is 0.6, Second Threshold is 400, and the 3rd threshold value is 6.Further, if the quantity of the local feature region of coupling is little In the 3rd threshold value, it is also possible to suitable increase first threshold and Second Threshold, special to increase the local of coupling Levy a quantity.
The image correction unit 104d correct image to watermark to be identified, redefines the office of coupling Portion's characteristic point.Watermark Adding Area determines that unit 104e is according to the image of the watermark to be identified determined and water The local feature region that print artwork matches each other determines the watermark Adding Area of the image of watermark to be identified respectively And the local image region corresponding with watermark Adding Area in watermark artwork.Wherein, watermark to be identified The determination of the watermark Adding Area of image and the determination side of the watermark Adding Area of watermark generation module 205 Method is identical, i.e. centered by the local feature region position that each determines, the length of side be the square of w be water Print Adding Area block, these block composition watermark Adding Areas, watermark Adding Area.Watermark matrix determines unit 104f, uses key to generate the watermark matrix meeting normal distribution.Watermark recognition unit 104g calculates and treats Identify the matrix of differences of watermark Adding Area in the image of watermark and watermark artwork, compare watermark matrix with The correlation coefficient of matrix of differences, it is achieved watermark identification.Wherein, the calculating process of matrix of differences is as follows:
Step 1, by the watermark Adding Area in the image of watermark to be identified and the district of topography in artwork Territory is transformed into hsv color space from RGB color respectively, obtains watermark Adding Area and Local map Intensive quantity as region；
Step 2, carries out wavelet transform respectively to the intensive quantity matrix of the two；
Step 3, extracts the third layer low-frequency wavelet coefficients matrix after the two wavelet transform, poor Value is calculated matrix of differences.
The present invention presets the correlation coefficient threshold of watermark matrix and matrix of differences, then will calculate Correlation coefficient compares with threshold value, if correlation coefficient is more than or equal to threshold value, then it is assumed that watermark to be identified The watermark Adding Area of image is the local image region in watermark artwork, may thereby determine that water to be identified Whether the image of print is watermarking images, it is achieved watermark identification.By meet the watermark matrix of normal distribution with The matrix of differences of the watermark Adding Area of image to be identified and watermark artwork is compared to realize watermark and knows Not, the accuracy of identification can be improved.
Embodiment 3
The present embodiment is the further improvement to embodiment 2, to watermark generation process and watermark verification process It is further illustrated.
According to a preferred implementation, watermarking images is by some pixels being similar to certificate image background colour Point is constituted.These pixels are distributed in the certificate image with watermarking images with irregular distribution mode On, it is prone to, from without producing, the regular patterns that human eye is differentiated.Watermarking images generates the step of method and includes:
Step 1: set up Scrambling Matrix for original image, this Scrambling Matrix includes and original image picture Vegetarian refreshments position one to one.
Step 2: the end value using key to obtain after being multiplied with the point in gaussian basis elliptic curve territory is filled All positions to described Scrambling Matrix.
Step 3: the picture corresponding in original image by each identical for value in described Scrambling Matrix position Vegetarian refreshments is replaced together, obtains the image after scramble.
Step 4: embed watermark in the image after scramble.
Step 5: utilize Scrambling Matrix and algorithm for inversion to invert in the image after the scramble of embedding watermark Disorderly, final image is obtained.
In the present invention, when above-mentioned use multiplied result fills the position in Scrambling Matrix, both can be according to The order of row is filled and can also be filled according to the order of row, and the above-mentioned order according to row is referred to as row scanning, It is referred to as column scan according to the order of row by above-mentioned.Corresponding scan mode when filling Scrambling Matrix, above-mentioned puts Row scanning or the mode of column scan it is also adopted by when changing pixel.
In the present invention, gaussian basis elliptic curve is defined by following common-used formula: y2+ xy=x3+ax+b.Should A in formula, b are the constant using binary sequence to represent, during constant value difference, represented Elliptic curve territory differ.Secret key uses binary sequence to represent.Original image is made up of pixel, These pixels one matrix of composition, is referred to as pixel matrix by this matrix.Position in Scrambling Matrix with Pixel position one_to_one corresponding in above-mentioned pixel matrix.
The present invention utilizes the coordinate figure product of the point in key and gaussian basis elliptic curve territory to fill this scramble Matrix, then the pixel that point identical for value in Scrambling Matrix is corresponding in original image is replaced to one Rise.This is equivalent to scramble is that the multiplied result according to key with the point in gaussian basis elliptic curve territory is carried out , and also not according to simple integer key is carried out.Due to any point in gaussian basis elliptic curve territory Coordinate figure figure place m (m is integer) have more than 100 (such as 191), therefore key with The figure place of the multiplied result of these points is 2m, has the most reached the length of 57, as a consequence it is hardly possible to poor The method lifted cracks.Therefore, watermarking images human eye is invisible, and safety is the highest, it is not easy to be tampered and Forge, and the watermarking images volume that pixel is constituted be the least, it is simple to be stored in service end and mobile terminal, The least to network service load request.Be conducive to improving the efficiency of extensive O2O settlement system.
According to a preferred implementation, watermarking images comprises the watermark in normal distribution generated by secret key Matrix.Watermarking images and the personal information of staff, the first mapping table, the second mapping table are interrelated. The information on services of service offer personnel can be provided by watermarking images.Being similar to, demand for services personnel need Upload the perfect instrument with head portrait.Watermark generation module 205 examination based on manual service personnel is closed Lattice instruction generates unique watermarking images, and watermarking images is attached to effective card that client personnel is uploaded On part.Watermarking images is simultaneously transferred to personal information module 101 and as watermark artwork and stores.Wherein, The step that watermarking images generates includes:
Step 1, extracts the local feature region of the image of watermark to be added.Extract the local feature region of image Can according to existing characteristics algorithm, as Harris angle point, SIFT (Scale invariant features transform) algorithm, The modes such as MSER algorithm realize.
Step 2, according to the local feature region extracted, the watermark of the image choosing described watermark to be added adds Add region.Wherein, watermark Adding Area is made up of several watermark Adding Area blocks, can add according to waiting The watermark quantity added and the size of image determine.Wherein, the shape of watermark Adding Area block is the most unrestricted.
According to a preferred implementation, each watermark Adding Area block is set to pros by the present invention Shape, can set its length of side as w according to watermark quantity to be added and image size, and with each local Centered by characteristic point position.In order to meet wavelet transformation, the length of side of each watermark Adding Area block can be The index of 2 times, such as 4,8,16,32 etc..
Further, in order to ensure the invisibility of added watermark, can be accomplished by:
Abandon the white area ratio watermark Adding Area block more than threshold value.Wherein, white area ratio refers to White area ratio in the block of whole watermark Adding Area, threshold value can be as desired to set, such as 0.6 Deng.Abandon the standard variance watermark Adding Area block less than threshold value.Standard variance is
f ( n ) = [ Σ i = 0 n ( x i - x i 0 ) 2 ] / n
N represents the sum of all pixels of this watermark Adding Area block, xiRepresent the pixel value of certain pixel, xi 0 Represent certain pixel average pixel value relative to neighborhood pixels.
The present invention does not interfere with each other between watermark block to ensure, and has again enough watermark Adding Area blocks, Centre distance can also be abandoned less than in two watermark Adding Area blocks of threshold value.At all of water In print Adding Area block, screen as far as possible and overlapped form more than or equal to the watermark Adding Area block of threshold value Watermark Adding Area.Wherein, threshold value can determine according to practical situation, and this is not limiting as by the application. In the present embodiment, the square root of 2w is set the threshold to, i.e. when in two watermark Adding Area blocks During the heart distance square root more than or equal to 2w, it is believed that both will not interfere with each other.
Step 3, uses key to generate the watermark matrix meeting normal distribution.Key is pin set in advance To different images or unique identification code of inhomogeneity image, in use, can directly obtain.Make The detailed process generating the watermark matrix meeting normal distribution with key is:
A1, using key to generate two yardsticks is the random matrix of w × w.Wherein, w be aforementioned really The length of side of fixed watermark Adding Area block.It is assumed herein that two random matrixes are respectively U and V.
Two random matrixes are carried out QR decomposition and obtain two orthogonal matrixes by A2 respectively.QR decomposition refers to Matrix decomposition will be become amassing of an an orthogonal matrix Q and upper triangular matrix R.Assume random matrix U Decomposing the orthogonal matrix obtained is Uq, and it is Vq that random matrix V decomposes the orthogonal matrix obtained.
A3, uses key to generate a diagonal coefficient by the orthogonal matrix arranged from big to small.Concrete, Use key to generate random vector 1 × w, the value of this random vector is arranged from big to small, and will sequence After vector fill as the diagonal values of orthogonal matrix, its residual value spot patch, i.e. obtaining yardstick is w × w's Orthogonal matrix S.
Three orthogonal matrixes obtained in aforesaid step D2 and D3 are multiplied and obtain watermark matrix by A4. The watermark matrix finally obtained is Wmat=Uq*S*Vq.
Step 4, adds a watermark to the watermark Adding Area chosen according to the watermark matrix generated.Specifically Comprise the following steps:
A1, is transformed into hsv color space by the image of watermark to be added from RGB color, obtains The intensive quantity of image.Wherein, RGB color refers to by red (R), green (G), blue (B) three face The color space that the change of chrominance channel and superposition are constituted.Hsv color space: by tone (H), saturation (S), brightness (V) represents the color space that shades of colour is constituted.
A2, carries out discrete wavelet (Discrete Wavelet Transform) to the intensive quantity matrix of image Conversion.
A3, by the third layer low-frequency wavelet coefficients after wavelet transform plus weighting watermark matrix.Weighting Watermark matrix is the product of watermark matrix and weighting coefficient matrix, and wherein, weighting coefficient matrix is according to reality Observability and the anti-interference of watermark are chosen.Generally, the coefficient value of weighting coefficient matrix is 0.1 Between 0.2.
A4, carries out inverse discrete wavelet to the third layer low-frequency wavelet coefficients adding weighting watermark matrix (IDWT) conversion, obtains the image intensity amount after adding watermark.
A5, replaces the image intensity amount in A1 by the image intensity amount that obtains in A4, and by image from Hsv color spatial transformation, to RGB color, obtains the image after adding watermark.
By local feature region, the watermarking images of the present invention determines that watermark is added in watermark adding procedure Region, it is not necessary to the overall situation is added, such that it is able to make watermark have preferable invisibility.And, in watermark Use during interpolation and meet the watermark matrix of normal distribution, also ensure watermark cannot opinion property, with Time enhance the robustness of watermark.
According to a preferred implementation, watermarking images is human eye sightless spectrum watermark.Spectrum watermark It is provided with multiple spectrum of spectrum or invisible.
Spectrum is in the range of 390～410nm, 830～850nm.Spectral region is less than 400nm's Ultraviolet light and more than the infrared light of 760nm, the spectrum of extreme ultraviolet light.Owing to human eye is to ultraviolet light, red Outer light, extreme ultraviolet light cannot be discovered, invisible by the spectrum watermark of the Spectrum Formation of black light.But, Image capture device can identify the spectrum in spectrum watermark, thus carries out the watermarking images of Spectrum Formation Checking, it is to avoid the risk that spectrum watermarking images is forged, adds safety.
Spectrum watermarking images can be formed by spectrum point uncertain in regional extent.Spectrum point includes simultaneously Infrared spectrum point and ultraviolet spectra point.Infrared spectrum point and the arrangement of ultraviolet spectra dot interlace form spectrum watermark Image.
Equally, spectrum watermarking images is not limited to electronic form, it is also possible to have equipment to be added on staff's In paper document.The material of paper document is the paper material that can print spectrum watermark.
When identifying, image capture device carries out light source irradiation to watermarking images, carries out the spectrum of reflection Image detects.If the spectrum watermarking images of detection is identical with the watermarking images of storage, then it is proved to be successful.Light Spectrum watermarking images needs not move through encryption storage, and proof procedure is simple and convenient.And, spectrum watermarking images Being stealthy sightless watermarking images, be difficult to forge, safety is higher.
Embodiment 4
The first mapping table and with the on-line payment system that the present invention applies based on mobile internet service As a example by the foundation of two mapping tables and renewal.
In the present embodiment, first user provides user for service, and the second user is demand for services user.Instead It, first user is demand for services user, when the second user provides user for service, can use same The first mapping table and the second mapping table are set up and updated to mode.
As shown in Figure 4, the first mapping table include the geographic position data of first user and at least one The geographic position data of two users.Wherein, the geographic position data of first user is that first user is through movement End 10 is uploaded.The geographic position data of at least one the second user be data match module 204 based on The geographic position data that first user is uploaded mates out from the user profile of user management module 202 's.Such as, the geographic position data that first user is uploaded be A ground, data match module 204 from In the user profile of family management module 202 with matching at least one geographical position and A relevant second User, the second user A1 in the i.e. first mapping table, the second user A2 ... the second user An.
Second mapping table includes the attribute data of first user and the demand number of at least one the second user According to.Wherein, the attribute data of first user is that first user is uploaded through mobile terminal 10.At least one The attribute data that the demand data of the second user is data match module 204 to be uploaded based on first user from The user profile of user management module 202 mates out.Such as, the attribute number that first user is uploaded According to for B, data match module 204 matches at least from the user profile of user management module 202 The second user that one demand data is relevant to B, the second user B1 in the i.e. second mapping table, second User B2 ... the second user Bp.
First user sends the data relevant to inquiry service or instruction through mobile terminal 10.Data Matching mould After block 204 sets up renewal according to the geographical position after the first mapping table and first user renewal first is reflected Firing table.Such as, the geographical position of first user orientates C as through geographical position inquiry service unit 101A Ground, or by mobile terminal 10, the geographical position of first user is updated to C ground, then first user is more Geographical position after Xin is C ground.C ground with place not far from one another, A ground, such as same street；Also Can be and place relatively far apart, A ground, such as different cities.If C ground is not far from one anotherly with A ground Side, such as same street, data match module 204 can be from the n of the first mapping table the second user The second with allotting at least one geographical position and C relevant user, in the first mapping table after i.e. updating Second user C1, the second user C2 ... the second user Cm.Now, m≤n.If C ground and A ground Relatively far apart, as in different cities, cannot match in the first mapping table to C relevant at least One the second user, then data match module 204 can be from the user profile of user management module 202 The second with matching at least one geographical position and C relevant user, after i.e. updating in the first mapping table Second user C1, the second user C2 ... the second user Cm.Now, what m with n did not determine is big Little relation.
First user sends the data relevant to inquiry service or instruction through mobile terminal 10.Data Matching mould After block 204 sets up renewal according to the attribute data after the second mapping table and first user renewal second is reflected Firing table.Such as, the attribute data of first user is updated to D by mobile terminal 10, then first user is more Attribute data after Xin is D.The attribute data that D is the most relevant to B, as belonged to household services field； D can also be attribute data incoherent with B, and if B is household services fields, D is training service neck Territory.If D to B is relevant attribute data, data match module 204 can be from the p of the second mapping table Individual second user matches the second user that at least one demand data is relevant to D, the after i.e. updating The second user D1 in two mapping tables, the second user D2 ... the second user Dq.Now, q≤p. If D Yu B is incoherent attribute data, the second mapping table cannot match demand data and D At least one relevant second user, then data match module 204 can be from user management module 202 Matching the second user that at least one demand data is relevant to D in user profile, after i.e. updating, second reflects The second user D1 in firing table, the second user D2 ... the second user Dq.Now, q with p does not has The magnitude relationship determined.
To update after the first mapping table and update after the second mapping table by data match module 204 with The mode of mutual coupling is carried out mating and/or screening of service and demand, and will coupling and/or after screening Data are back to mobile terminal 10 as information on services.
Embodiment 5
As described in Figure 5, the Service management process of the present invention comprises the steps.
S01: client places an order.Demand for services user logs in mobile terminal 10, by demand data acquisition module 102 select service item or fill in demand information, submit demand for services order to.For new user, also need Just can place an order after completing user's registration.Preferably, user, with phone number registration or login, places an order Also can be with this number as telephone number.Meanwhile, also supporting QQ, wechat account logs in.
S02: system order mates service personal nearby.System according to customer service requirement sequence information, Mate at least 5 services and user is provided, and demand for services sequence information is pushed to these at least 5 services The mobile terminal 10 of user is provided.In 60s, first service receiving order provides user to be selected Service provide user.Thering is provided user response without service in 60s, system mates service nearby again There is provided user, until determining order reception personnel.
S02a: flow process terminates.Mating service personal and/or service nearby at system order provides user to connect After receiveing and processing subscriptions list, demand for services user cancels demand for services order, and service procedure terminates.
S03: receive order.Selected service provides user to receive order by mobile terminal 10.
S04: with trade connection confirmed service relevant information.Selected service provides user and demand for services User contacts confirmed service relevant information.Particularly as follows: confirmed service item specific, particular location, the time, Service recompense etc..If both sides cannot be consensus, flow process return S01, by demand for services user again under Single.If both sides are consensus, then enter next step.
S05: wear work necessary and go to customers' place.Selected service provides user to use with demand for services Family contact confirms, after both sides are without demur, service provides user to carry the work necessary of related service project Go at demand for services user.
S06: with client's confirmed service content.When service provides user to arrive at demand for services user, then Secondary with demand for services user's confirmed service content.
S07: start working.Service provide user according to industry standard and specific service project operation specification, Start services.
S08: end-of-job.Service offer user completes client and determines that respective services project, oneself are checked and accepted After, end-of-job, demand user acceptance to be serviced.
S09: customs inspection.Demand for services user provides user written according to order items and with service Or verbal contract service quality standard, complete to check and accept.If checking and accepting defective, service provides user to do over again After treat again to check and accept.If acceptance(check), the demand for services user payment module 105 by mobile terminal 10 Complete service fee to pay.Preferably, demand for services user also may select the credit card, Alipay, wechat The mode payment services expenses such as payment.
S10: flow process terminates.After client completes payment, terminate flow process.If Payment Failed, system enter Row background process.
It should be noted that above-mentioned specific embodiment is exemplary, those skilled in the art can be at this Find out various solution under the inspiration of disclosure of the invention content, and these solutions also belong to the present invention Open scope and fall under the scope of the present invention.It will be understood by those skilled in the art that this Bright description and accompanying drawing thereof are illustrative and not constitute limitations on claims.The protection of the present invention Scope is limited by claim and equivalent thereof.

Claims (10)

1. an on-line payment system based on mobile internet service application, described system includes mobile End (10) and service end (20), it is characterised in that described mobile terminal (10) include watermark verification mould Block (104), described service end (20) includes watermark generation module (205),
Described watermark generation module (205) is in response to the successful examination & verification generation interpolation to userspersonal information Watermarking images on the certificate image that user uploads, wherein, the card that described watermarking images and user upload Part image is stored separately in described mobile terminal (10), only when needs are uploaded to described service end (20) Just it is automatically synthesized on backstage and uploads, and
Settlement request, described mobile terminal is sent to described mobile terminal (10) in described service end (20) (10) in response to described settlement request, described watermarking images is added to the order confirmed through user and incites somebody to action Send to described service end (20) with the order of described watermarking images to carry out the payment of service fee, Or
Described mobile terminal (10) sends service completion notice, described service to described service end (20) End (20) sends settlement request, institute in response to described service completion notice to described mobile terminal (10) State mobile terminal (10) in response to described settlement request, described watermarking images is added to confirming through user Order with described watermarking images is also sent to described service end (20) to carry out service fee by order Payment.
2. the on-line payment system applied based on mobile internet service as claimed in claim 1, its Being characterised by, the certificate image with described watermarking images that described mobile terminal (10) upload is through described clothes The data match module (204) of business end (20) receives and is sent to the watermark verification module (104) of user, Watermarking images in the described order that described watermark verification module (104) will collect and described service end (20) watermarking images sent mates, and enables a user to be carried out mutually by described system Authentication.
3. the on-line payment system applied based on mobile internet service as claimed in claim 2, its Being characterised by, described watermarking images comprises the watermark matrix in normal distribution formed by secret key, described water Print authentication module (104) is by the described order that described watermark verification module (104) collected Watermark matrix in the watermarking images that the watermark matrix of watermarking images and described service end (20) send is carried out Coupling also completes the authentication to the other user according to matching result.
4. the on-line payment system applied based on mobile internet service as claimed in claim 3, its Being characterised by, described watermarking images is provided with the image capture device of described mobile terminal (10) and is capable of identify that But the unrecognizable spectrum of human eye, uploads unrecognizable for human eye described watermarking images interpolation to user To ensure the reliability of authentication in certificate image.
5. the on-line payment system applied based on mobile internet service as claimed in claim 4, its Being characterised by, described mobile terminal (10) also include payment module (105), and described service end also includes Financial management module (206), described financial management module (206) receives described mobile terminal (10) and sends out The order with described watermarking images that send also determines payment information based on described order, and, described wealth Described payment information is generated Quick Response Code and sends described Quick Response Code to service by business management module (206) The payment module (104) of demand user, by the two of scan service demand user's payment module (104) Dimension code is to complete reimbursement of expense.
6. the on-line payment system applied based on mobile internet service as claimed in claim 5, its Being characterised by, described payment information includes that described financial management module (206) is based on described mobile terminal (10) The payment expense that determines of the order with described watermarking images that sends and pay object.
7. the on-line payment system applied based on mobile internet service as claimed in claim 6, its Being characterised by, described mobile terminal (10) also include for submitting to and/or the geographical position number of upload user According to the personal information module (101) with attribute data, for submitting to and/or the demand data of upload user Demand data acquisition module (102) and service and/or the demand of the other side are evaluated for user Service evaluation module (103)；
Described service end (20) also includes at least bag sent for preservation through described mobile terminal (10) Server module (201) containing geographic position data, attribute data and/or demand data, based on user The data sent through described mobile terminal (10) or instruction extract and/or update the geographic position data of user, Attribute data and/or demand data the user described data sent to data match module (204) manage Reason module (202), is used for extracting attribute data that user sends through described mobile terminal (10) and/or needs Seek data relevant to service provisioning items and/or demand for services project in data and described data are carried out The information on services module (203) stored and the geographic position data sent based on described mobile terminal (10) The attribute data and/or the demand data that set up the first mapping table, send based on described mobile terminal (10) are built The data match module (204) of vertical second mapping table；Further,
Described data match module (204) is based on responding described mobile terminal (10) data that send or referring to Made described first mapping table and the renewal of described second mapping table, to update after the first mapping table and The second mapping table after renewal is taken in the way of mutual coupling by described data match module (204) Business is mated and/or screening with demand, and the data after coupling and/or screening is returned as information on services To described mobile terminal (10).
8. the on-line payment system applied based on mobile internet service as claimed in claim 7, its Be characterised by, described first mapping table be described data match module (204) based on first user through institute The first user stating geographic position data that mobile terminal (10) sends and set up and at least one second user Corresponding relation list；
Described second mapping table be described data match module (204) based on first user through described movement End (10) attribute data that sends and/or demand data and the first user set up with at least one second The corresponding relation list of user.
9. the on-line payment system applied based on mobile internet service as claimed in claim 8, its Being characterised by, the first mapping table after renewal is that described data match module (204) is based on described first Mapping table and first user service phase through what described mobile terminal (10) sent with inquiry service and/or offer Geographic position data after the data closed or the renewal that goes out of instructions match and the first user and at least set up The corresponding relation list of individual second user；
The second mapping table after renewal is that described data match module (204) is based on described second mapping table The number relevant to inquiry service and/or offer service sent through described mobile terminal (10) with first user According to or the renewal that goes out of instructions match after attribute data and/or demand data and the first user set up with at least The corresponding relation list of one the second user.
10. the on-line payment system applied based on mobile internet service as claimed in claim 9, its Being characterised by, the mobile terminal device of described system is smart mobile phone, panel computer or notebook computer, Further, described mobile terminal device by WiFi, bluetooth, ZigBee, mobile 2G, mobile 3G or Mobile 4G realizes the data transmission of described mobile terminal (10) and described service end (20).
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