CN106096964B

CN106096964B - Payment method and device

Info

Publication number: CN106096964B
Application number: CN201610379213.9A
Authority: CN
Inventors: 赵子龙; 史大龙; 刘玮
Original assignee: Beijing Xiaomi Mobile Software Co Ltd
Current assignee: Beijing Xiaomi Mobile Software Co Ltd
Priority date: 2016-05-31
Filing date: 2016-05-31
Publication date: 2020-06-19
Anticipated expiration: 2036-05-31
Also published as: CN106096964A

Abstract

The disclosure relates to a payment method and a payment device. The method comprises the following steps: when a payment request triggered by a user is received, determining the age bracket to which the user belongs; and if the age group to which the user belongs is a preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction. The technical scheme can prevent children from unknowingly purchasing related props and products in the learning and game processes, and unnecessary loss is caused to the property of the users, so that the property safety of the users is protected, and the user experience is optimized.

Description

Payment method and device

Technical Field

The present disclosure relates to the field of network technologies, and in particular, to a payment method and apparatus.

Background

With the wide application of various electronic terminals, users who contact electronic devices are also younger and younger, and electronic devices such as smart phones and tablet computers are also shared with their own children by parents as learning and entertainment tools. However, in the related art, the payment in the electronic device does not have corresponding payment protection, so that the children unconsciously buy related properties and products in the learning and game processes, and unnecessary loss is caused to the property of the users.

Disclosure of Invention

In order to overcome the problems in the related art, embodiments of the present disclosure provide a payment method and apparatus, so as to solve the problem of property loss of a user due to no corresponding payment protection in an electronic device.

According to a first aspect of the embodiments of the present disclosure, there is provided a payment method applied to a first terminal, including:

when a payment request triggered by a user is received, determining the age bracket to which the user belongs;

and if the age group to which the user belongs is a preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction.

In an embodiment, the controlling the first terminal to perform the operation of rejecting the completion of the payment transaction may include:

closing the payment transaction page;

and generating a first payment response message, wherein the first payment response message is used for indicating that the execution of the payment operation corresponding to the payment request is refused.

sending a verification message to a second terminal, wherein the verification message is used for reminding the second terminal that the user triggers the payment request through the first terminal;

receiving a verification response message returned by the second terminal according to the verification message;

determining whether the holder of the second terminal allows to execute the payment operation corresponding to the payment request according to the verification response message;

if the owner of the second terminal is determined to allow the payment operation corresponding to the payment request to be executed according to the verification response message, generating a second payment response message, wherein the second payment response message is used for indicating the user to input a payment key;

determining whether to execute the payment operation corresponding to the payment request according to a payment key input by the user according to the second payment response message;

and if the holder of the second terminal is determined not to allow the payment operation corresponding to the payment request to be executed according to the verification response message, executing the step of controlling the first terminal to execute the operation of refusing to complete the payment transaction.

In an embodiment, the determining whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message may include:

determining whether the payment key input by the user according to the second payment response message is correct;

if the payment key is correct, executing payment operation corresponding to the payment request;

generating the first payment response message if the payment key is incorrect.

generating a second payment response message, wherein the second payment response message is used for indicating the user to input a payment key;

and determining whether to execute the payment operation corresponding to the payment request according to a payment key input by the user according to the second payment response message.

In one embodiment, the predetermined age groups include a first predetermined age group, a second predetermined age group, and a third predetermined age group;

when the age group to which the user belongs is a first preset age group, controlling the first terminal to execute an operation of refusing to complete a payment transaction, including: closing a payment transaction page and generating a first payment response message, wherein the first payment response message is used for indicating that the execution of the payment operation corresponding to the payment request is refused;

when the age group to which the user belongs is a second preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction, including: determining whether to execute the payment operation corresponding to the payment request through two-layer verification of a second terminal and a payment key; if the payment operation corresponding to the payment request is determined to be executed, controlling the first terminal to execute the operation corresponding to the payment request; if the payment operation corresponding to the payment request is determined not to be executed, controlling the first terminal to execute operation of refusing to complete payment transaction;

when the age group to which the user belongs is a third preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction, including: generating a second payment response message, wherein the second payment response message is used for indicating the user to input a payment key; and determining whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message.

In an embodiment, the determining the age bracket to which the user belongs may include:

acquiring a facial image of the user through a camera device;

extracting the features of the facial image to obtain the facial features of the user;

and determining the age bracket to which the user belongs according to the facial features of the user.

acquiring a touch mode of the user when the user triggers operation on the touch screen through the touch screen;

and determining the age bracket to which the user belongs according to the touch mode.

According to a second aspect of the embodiments of the present disclosure, there is provided a payment apparatus, applied to a first terminal, including:

an age group determination module configured to determine an age group to which a user belongs when a payment request triggered by the user is received;

and the payment refusing module is configured to control the first terminal to execute the operation of refusing to complete the payment transaction if the age group determining module determines that the age group to which the user belongs is a preset age group.

In one embodiment, the denial of payment module may comprise:

a first close sub-module configured to close the payment transaction page;

and the first generation submodule is configured to generate a first payment response message, wherein the first payment response message is used for indicating that the execution of the payment operation corresponding to the payment request is refused.

In one embodiment, the denial of payment module may comprise:

a first verification sub-module configured to send a verification message to a second terminal, wherein the verification message is used for reminding the second terminal that the user triggers the payment request through the first terminal;

the receiving submodule is configured to receive a verification response message returned by the second terminal according to the verification message sent by the first verification submodule;

a payment determining submodule configured to determine whether the holder of the second terminal allows to execute the payment operation corresponding to the payment request according to the verification response message received by the receiving submodule;

a second generating sub-module configured to generate a second payment response message if the payment determining sub-module determines, according to the verification response message, that the holder of the second terminal allows to execute the payment operation corresponding to the payment request, wherein the second payment response message is used for indicating the user to input a payment key;

a first determining submodule configured to determine whether to execute a payment operation corresponding to the payment request according to a payment key input by the user according to the second payment response message generated by the second generating submodule;

a control submodule configured to control the payment refusal module to execute the step of controlling the first terminal to execute the operation of refusing to complete the payment transaction if the holder of the second terminal is determined not to allow the execution of the payment operation corresponding to the payment request according to the verification response message received by the receiving submodule.

In one embodiment, the first determination submodule includes:

a second determining sub-module configured to determine whether the payment key input by the user according to the second payment response message is correct;

the payment sub-module is configured to execute a payment operation corresponding to the payment request if the second determination sub-module determines that the payment key is correct;

a third generation submodule configured to generate the first payment response message if the second determination submodule determines that the payment key is incorrect.

In one embodiment, the denial of payment module may comprise:

a fourth generation submodule configured to generate a second payment response message, wherein the second payment response message is used for instructing the user to input a payment key;

and the third determining submodule is configured to determine whether to execute the payment operation corresponding to the payment request according to a payment key input by the user according to the second payment response message generated by the fourth generating submodule.

when the age group to which the user belongs is a first preset age group, the payment refusing module comprises: a second close sub-module configured to close the payment transaction page; a fifth generation submodule configured to generate a first payment response message, where the first payment response message is used to indicate that execution of a payment operation corresponding to the payment request is denied;

when the age group to which the user belongs is a second preset age group, the payment refusing module comprises: the second verification submodule is configured to determine whether to execute the payment operation corresponding to the payment request through two-layer verification of a second terminal and a payment key; the execution sub-module is configured to control the first terminal to execute the operation corresponding to the payment request if the second verification sub-module determines to execute the payment operation corresponding to the payment request; a refusing submodule configured to control the first terminal to execute an operation of refusing to complete a payment transaction if the second verification submodule determines not to execute the payment operation corresponding to the payment request;

when the age group to which the user belongs is a third preset age group, the payment refusing module comprises: a sixth generation submodule configured to generate a second payment response message, wherein the second payment response message is used for instructing the user to input a payment key; a fourth determining submodule configured to determine whether to execute the payment operation corresponding to the payment request according to a payment key input by the user according to the second payment response message generated by the sixth generating submodule.

In one embodiment, the age group determination module may include:

an image acquisition sub-module configured to acquire a face image of the user by an image pickup device;

the extraction sub-module is configured to extract the features of the facial image acquired by the image acquisition sub-module to obtain the facial features of the user;

a fifth determination submodule configured to determine an age bracket to which the user belongs, based on the facial features of the user extracted by the extraction submodule.

In one embodiment, the age group determination module may include:

the touch mode determining submodule is configured to acquire a touch mode of the user when the user triggers operation on the touch screen through the touch screen;

a sixth determining sub-module configured to determine an age bracket to which the user belongs according to the touch manner determined by the touch manner determining sub-module.

According to a third aspect of the embodiments of the present disclosure, there is provided a payment apparatus, applied to a first terminal, including:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to:

The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects: when the first terminal receives a payment request triggered by a user, the age of the user triggering the payment request can be determined, whether an operation of rejecting the completion of the payment transaction is executed is determined according to the age, if the age is a preset age, for example, if the age of the user is 1-5 years old, since the user in the age generally does not have the concept of money and does not have the consciousness of actively purchasing a service or a product, the user can be determined not to subjectively trigger the payment request, and the operation of rejecting the completion of the payment transaction can be executed, so that a child can be prevented from unknowingly purchasing related props and products in the learning and game process, unnecessary loss is caused to the property of the user, the property safety of the user is protected, and the user experience is optimized.

And the operation of rejecting the payment transaction can be realized by closing the payment transaction page, the first terminal of the user can be reminded of rejecting a certain payment transaction by generating the first payment response message, if the guardian of the user in the preset age group sees the response message, the guardian can be reminded of possibly triggering the payment transaction by some operations, so that the guardian can carry out some payment protection settings on the first terminal, and the property safety of the user is further ensured.

By sending the verification message to the associated terminal of the first terminal, such as the second terminal, and asking the holder of the second terminal to determine whether to allow the payment operation triggered by the first user to be executed, the payment operation of the age group can be ensured to be monitored by the holder of the second terminal, and the conscious purchase operation of the user of the age group can be completed, so that the user experience is optimized.

The facial image of the user is acquired through the camera device or the touch mode is triggered on the touch screen according to the user, the age bracket of the user can be accurately determined, and then whether the operation of refusing to complete payment transaction is executed or not is determined according to the age bracket, so that the situation that children unconsciously purchase related props and products in the learning and game processes can be avoided, unnecessary loss is caused to the property of the user, the property safety of the user is protected, and the user experience is optimized.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.

FIG. 1A is a flow diagram illustrating a payment method according to an example embodiment.

FIG. 1B is a diagram illustrating a scenario of a payment method, according to an example embodiment.

FIG. 2A is a flow diagram illustrating a payment method according to an example embodiment.

FIG. 2B is a flowchart illustrating step 206, according to an example embodiment.

Fig. 3 is a flow chart illustrating a payment method according to an example embodiment two.

Fig. 4 is a flow diagram illustrating a payment method in accordance with an example embodiment.

Fig. 5 is a flowchart illustrating a method of determining an age bracket to which to belong by an image capturing apparatus according to an exemplary embodiment.

Fig. 6 is a flowchart illustrating a method of determining an age bracket to which a user belongs through a touch screen according to an exemplary embodiment.

FIG. 7 is a block diagram illustrating a payment device according to an example embodiment.

FIG. 8 is a block diagram illustrating another payment device according to an example embodiment.

FIG. 9 is a block diagram illustrating yet another payment device according to an example embodiment.

FIG. 10 is a block diagram illustrating a suitable payment device according to an exemplary embodiment.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the invention, as detailed in the appended claims.

FIG. 1A is a flow diagram illustrating a payment method according to an exemplary embodiment, and FIG. 1B is a scene diagram illustrating a payment method according to an exemplary embodiment; the payment method can be applied to a first terminal (e.g., a smart phone, a tablet), as shown in fig. 1A, and includes the following steps:

in step 101, when a payment request triggered by a user through a first terminal is received, an age group to which the user belongs is determined.

In an embodiment, the user may trigger the payment request by performing a click operation on the touch screen.

In one embodiment, the first terminal may acquire a facial image of the user through a camera device, such as a camera (where the camera is rotatable within a preset angle range), and determine an age group to which the user belongs according to facial features extracted from the facial image; in a further embodiment, the first terminal may further determine, through the touch screen, the age group to which the user belongs in a touch manner when the user triggers an operation on the touch screen. The manner of determining the age bracket to which the user belongs through the camera device and the touch screen can be specifically referred to the embodiments shown in fig. 5 to 6, and will not be described in detail here.

In step 102, if the age group to which the user belongs is a preset age group, controlling the first terminal to perform an operation of rejecting completion of the payment transaction.

In an embodiment, the first terminal may directly close the payment transaction page to abort the user-triggered payment transaction operation, and may generate a first payment response message that may alert the user that the first terminal has rejected a certain payment transaction.

In an embodiment, the first terminal may further control the first terminal to perform an operation of rejecting the completion of the payment transaction by performing a double-layer authentication of the authentication and the payment key by an associated terminal of the first terminal, for example, the second terminal, as described in the embodiment of fig. 2A, which will not be described in detail herein.

In an embodiment, the first terminal may further control the first terminal to perform an operation of rejecting completion of the payment transaction through payment key verification, which may be referred to the description of the embodiment of fig. 3 and will not be described in detail here.

In an embodiment, the first terminal may divide the age group of the user into two or more predetermined age groups in advance according to the empirical data, for example, three predetermined age groups, which are respectively a predetermined age group, a second predetermined age group, and a third predetermined age group. In one embodiment, the first predetermined age group may be set to 1-5 years of age, which users generally do not have the notion of money and do not have the awareness of actively purchasing a service or product; in yet another embodiment, the second pre-set age group may be set to an age group of 6-16 years, wherein a user of 6-16 years generally has only the idea of shopping, not the idea of electronic shopping; in yet another embodiment, the third predetermined age group may be set to an age group over 16 years, and users over 16 years generally have the idea of electronic shopping. The present disclosure does not limit the specific age corresponding to each preset age group, nor the number of specifically divided age groups. The operation performed by the user-triggered payment request for each preset age group can be referred to the description of the embodiment of fig. 4, and will not be described in detail here.

In an exemplary scenario, as shown in fig. 1B, the first terminal and the second terminal are both illustrated as smart phones, and when the user triggers a payment request on the first terminal 110, if the age group to which the user of the first terminal 110 belongs is a second preset age group, a verification message may be sent to the second terminal 120, reminding the holder of the second terminal 120 that the user of the first terminal 110 triggered the payment request through the first terminal 110, the holder of the second terminal 120 may respond according to the verification message, so that the first terminal 110 determines whether the holder of the second terminal allows the payment operation corresponding to the payment request to be executed according to the response of the second terminal, and not only can the payment operation triggered by the user of the second preset age group be monitored by the holder of the second terminal, but also the conscious purchase operation of the user of the age group can be completed.

In this embodiment, when the first terminal receives a payment request triggered by a user, it may determine an age group of the user triggering the payment request, and determine whether to perform an operation of rejecting completion of the payment transaction according to the age group, and if the age group is a preset age group, for example, if the age group of the user is an age group of 1 to 5 years, since the user in this age group generally does not have a monetary idea and does not have awareness of actively purchasing a service or a product, it may be determined that the user does not subjectively trigger the payment request, and the operation of rejecting completion of the payment transaction may be performed, so that it may be avoided that a child unconsciously purchases related items and products in learning and playing processes, and unnecessary loss is caused to the property of the user, thereby protecting the property safety of the user, and optimizing the user experience.

In one embodiment, controlling the first terminal to perform operations of declining to complete the payment transaction may include:

closing the payment transaction page;

sending a verification message to the second terminal, wherein the verification message is used for reminding a second terminal user of triggering a payment request through the first terminal;

if the owner of the second terminal is determined to allow the payment operation corresponding to the payment request to be executed according to the verification response message, generating a second payment response message, wherein the second payment response message is used for indicating the user to input the payment key;

and if the holder of the second terminal is determined not to allow the payment operation corresponding to the payment request to be executed according to the verification response message, executing a step of controlling the first terminal to execute an operation of refusing to complete the payment transaction.

In an embodiment, determining whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message may include:

if the payment key is incorrect, a first payment response message is generated.

generating a second payment response message, wherein the second payment response message is used for indicating the user to input the payment key;

and determining whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message.

when the age group to which the user belongs is a first preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction, including: closing the payment transaction page and generating a first payment response message, wherein the first payment response message is used for indicating that the execution of the payment operation corresponding to the payment request is refused;

when the age group to which the user belongs is a second preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction, including: whether the payment operation corresponding to the payment request is executed or not is determined through two-layer verification of the second terminal and the payment key; if the payment operation corresponding to the payment request is determined to be executed, controlling the first terminal to execute the operation corresponding to the payment request; if the payment operation corresponding to the payment request is determined not to be executed, controlling the first terminal to execute the operation of refusing to complete the payment transaction;

when the age group to which the user belongs is a third preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction, including: generating a second payment response message, wherein the second payment response message is used for indicating the user to input the payment key; and determining whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message.

In an embodiment, determining the age bracket to which the user belongs may include:

acquiring a face image of a user through a camera device;

acquiring a touch mode of a user when the user triggers operation on the touch screen through the touch screen;

Please refer to the following embodiments for details of how to implement the payment operation.

The technical solutions provided by the embodiments of the present disclosure are described below with specific embodiments.

FIG. 2A is a flow chart of a payment method shown according to an exemplary embodiment, and FIG. 2B is a flow chart of step 206 shown according to an exemplary embodiment; the present embodiment uses the above method provided by the present disclosure as an example to control the first terminal to perform the operation of rejecting the completion of the payment transaction by performing the authentication and the double-layer authentication of the payment key by the second terminal, as shown in fig. 2A, the method includes the following steps:

in step 201, an authentication message is sent to the second terminal.

In one embodiment, the verification message is used to alert the second end user to trigger a payment request via the first terminal.

In one embodiment, if the age range of the user is a preset age range, for example, below 18 years, the guardian is required to further determine whether to perform the payment operation corresponding to the payment request.

In an embodiment, the second terminal may be an electronic device such as a smart phone or a tablet computer.

In step 202, an authentication response message returned by the second terminal according to the authentication message is received.

In step 203, it is determined whether the holder of the second terminal allows the payment operation corresponding to the payment request according to the verification response message, if it is determined that the holder of the second terminal does not allow the payment operation corresponding to the payment request according to the verification response message, step 204 is performed, and if it is determined that the holder of the second terminal allows the payment operation corresponding to the payment request according to the verification response message, step 205 is performed.

In step 204, the first terminal is controlled to perform an operation of rejecting the payment transaction.

In an embodiment, declining the payment transaction may be accomplished by closing a payment transaction page.

In step 205, a second payment response message is generated.

In an embodiment, the second payment response message is used to instruct the user to enter the payment key.

In an embodiment, if the holder of the second terminal allows the payment operation corresponding to the payment request to be performed, a second payment response message may be generated to remind the user to input the payment key to complete the payment operation.

In step 206, it is determined whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message.

In one embodiment, the detailed description of step 206 can be seen in FIG. 2B, which is shown in FIG. 2B and includes the following steps:

in step 211, it is determined whether the payment key input by the user according to the second payment response message is correct, and if the payment key is correct, step 212 is performed, and if the payment key is incorrect, step 213 is performed.

In one embodiment, the payment key may be in the form of a voice key, a password key, a face recognition key, a fingerprint key, or the like.

In step 212, a payment operation corresponding to the payment request is performed.

In one embodiment, the first terminal may compare the key entered by the user with a key stored in the server, and if the key entered by the user is identical to the key stored in the server, the payment key is correct.

In step 213, a first payment response message is generated.

In this embodiment, by sending the verification message to the associated terminal of the first terminal, for example, the second terminal, and asking the holder of the second terminal to determine whether to allow the payment operation triggered by the first user to be executed, it is possible to ensure that the payment operation of the age group is monitored by the holder of the second terminal, and it is also possible to achieve that the conscious purchase operation of the user of the age group can be completed, thereby optimizing the user experience.

Fig. 3 is a flowchart of a payment method according to an exemplary embodiment, where this embodiment uses the method provided by the present disclosure as an example to control the first terminal to perform an operation of rejecting completion of the payment transaction through payment key verification, as shown in fig. 3, including the following steps:

in step 301, a second payment response message is generated.

In step 302, it is determined whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message.

The detailed description of step 301 and step 302 can be referred to the related description of step 205 and step 206 in the embodiment of fig. 2A, and will not be described in detail here.

In this embodiment, when the age group to which the user belongs is a preset age group, for example, an age group below 18 years old, the user is reminded to input the payment key to complete the payment operation, so that the conscious purchasing operation of the user in the age group can be completed, and the user experience is optimized.

FIG. 4 is a flow diagram illustrating a payment method in accordance with an exemplary embodiment; the present embodiment uses the above method provided by the embodiment of the present disclosure to exemplarily explain operations performed by a user-triggered payment request for each preset age group, as shown in fig. 4, the method includes the following steps:

in step 401, when a payment request triggered by a user through a first terminal is received, an age group to which the user belongs is determined.

In step 402, if the age group to which the user belongs is a first preset age group, the payment transaction page is closed and a first payment response message is generated.

In an embodiment, the first payment response message is used for indicating that the execution of the payment operation corresponding to the payment request is refused.

In step 403, if the age group to which the user belongs is a second preset age group, whether to execute the payment operation corresponding to the payment request is determined through two-layer verification of the second terminal and the payment key.

In one embodiment, if the payment operation corresponding to the payment request is determined to be executed, the first terminal is controlled to execute the operation corresponding to the payment request; and if the payment operation corresponding to the payment request is determined not to be executed, controlling the first terminal to execute the operation of refusing to complete the payment transaction.

In one embodiment, the detailed description of step 403 can refer to the embodiment described in fig. 2A, and will not be described in detail here.

In step 404, if the age group to which the user belongs is a third preset age group, a second payment response message is generated, and whether to execute the payment operation corresponding to the payment request is determined according to the payment key input by the user according to the second payment response message.

In one embodiment, the detailed description of step 404 can refer to the embodiment described in fig. 3, and will not be described in detail here.

In the embodiment, when the age group to which the user belongs is a first preset age group, for example, the age group below 5 years old, the payment transaction page is directly closed, so that the situation that children unconsciously purchase related props and products in the learning and game processes and cause unnecessary loss to the property of the user can be avoided, the property safety of the user is protected, and the user experience is optimized; in addition, when the age group to which the user belongs is a second preset age group, for example, the age group of 6-16 years old, an authentication message may be sent to an associated terminal of the first terminal, such as the second terminal, to ask the holder of the second terminal to determine whether to allow the payment operation triggered by the first user to be performed, so that the payment operation of the age group can be ensured to be monitored by the holder of the second terminal, and the conscious purchase operation of the user of the age group can be completed; in addition, when the age group to which the user belongs is a third preset age group, for example, an age group over 17 years old, the user is reminded to input the payment key to complete the payment operation, so that the conscious purchasing operation of the user in the age group can be completed, and the user experience is optimized.

It can be understood by those skilled in the art that the technical solutions of fig. 2A, fig. 3 and fig. 4 in the present disclosure can be applied to the same device or the same electronic device at the same time, and the respective technical solutions can also be used in combination to realize secure payment.

FIG. 5 is a flowchart illustrating a method for determining an age bracket to which to belong by an imaging device according to an exemplary embodiment two; the present embodiment uses the above method provided by the embodiments of the present disclosure to exemplarily explain how to determine the age group to which the user belongs by the image capturing apparatus, as shown in fig. 5, including the following steps:

in step 501, an image of a user's face is acquired by an imaging device.

In step 502, the features of the facial image are extracted to obtain the facial features of the user.

In one embodiment, the present disclosure may extract features of five sense organs in a human face or other features that may be indicative of the age of a person.

In step 503, the age bracket to which the user belongs is determined according to the facial features of the user.

In one embodiment, the present disclosure may train an age classifier based on a large amount of face data, and by inputting the extracted facial features into the age classifier, the age bracket of the user may be determined.

In one embodiment, the age classifier may be provided by a provider of the first terminal.

In this embodiment, acquire user's facial image through camera device, can accurately confirm user's age bracket, and then confirm whether carry out the operation of refusing to accomplish the payment transaction according to age bracket, therefore can avoid child to unconsciously purchase relevant stage property and product in study and recreation process, cause unnecessary loss to user's property, and then protect user's property safety, optimize user experience.

FIG. 6 is a flowchart illustrating a method for determining an age bracket to which a user belongs via a touch screen according to an example embodiment; the present embodiment utilizes the above method provided by the embodiment of the present disclosure to exemplarily explain how to determine the age group to which the user belongs to be divided into two preset age groups through the touch screen, as shown in fig. 6, the method includes the following steps:

in step 601, a touch mode of a user when the user triggers an operation on the touch screen is obtained through the touch screen.

In one embodiment, the touch manner may be a pressure value; in yet another embodiment, the touch pattern may be a touch area; in yet another embodiment, the touch pattern may be a width of a touching finger. In one embodiment, the pressure value may be an average of pressure values when the user triggers an operation on the touch screen multiple times.

In an embodiment, the touch area may be an average of touch areas of a user when triggering an operation on the touch screen multiple times.

In an embodiment, the width of the touching finger may be an average of the widths of the touching fingers when the user triggers an operation on the touch screen multiple times.

In step 602, the age bracket to which the user belongs is determined according to the touch manner.

In an embodiment, the example of determining the age bracket to which the user belongs by using the touch manner as the pressure value is illustrated here.

In one embodiment, if the pressure value is smaller than the first pressure threshold, determining that the age group to which the user belongs is a preset age group; and if the pressure value is greater than the first pressure threshold value, determining that the age group to which the pressure value belongs is a second preset age group.

In an embodiment, the first pressure threshold may be obtained through statistics of a large amount of user actual usage data by a first terminal provider and stored in the first terminal, and the first pressure threshold may be updated through the actual usage data within a preset time period before the user uses the wearable device, so that the first pressure threshold may be better able to distinguish users of different ages.

In one embodiment, the number of pressure thresholds may be determined by the number of divisions of a preset age group, for example, if the age group is divided into only a first preset age group and a second preset age group, one pressure threshold may be set.

In an embodiment, when the touch manner is a touch area or a width of a touch finger, the age group to which the user belongs may also be determined by dividing through corresponding thresholds.

In this embodiment, through the touch mode when the user triggers the operation on the touch-sensitive screen, can accurately confirm user's age bracket, and then whether confirm according to the age bracket and refuse to accomplish the operation of payment transaction, therefore can avoid child to unconsciously purchase relevant stage property and product in study and recreation process, cause unnecessary loss to user's property, and then protect user's property safety, optimize user experience.

It can be understood by those skilled in the art that the technical solutions of fig. 5 and fig. 6 in the present disclosure can be applied to the same device or the same electronic device at the same time, and the respective technical solutions can also be used in combination to realize secure payment.

Fig. 7 is a block diagram illustrating a payment apparatus according to an exemplary embodiment, applied to a first terminal, as shown in fig. 7, the payment apparatus includes:

an age group determination module 710 configured to determine an age group to which the user belongs when a payment request triggered by the user is received;

and a payment refusal module 720 configured to control the first terminal to perform an operation of refusing to complete the payment transaction if the age group to which the user belongs is determined to be a preset age group by the age group determination module 710.

Fig. 8 is a block diagram illustrating another payment device according to an exemplary embodiment, and as shown in fig. 8, based on the embodiment shown in fig. 7, in an embodiment, the payment denial module 720 may include:

a first close sub-module 721 configured to close the payment transaction page;

the first generating submodule 722 is configured to generate a first payment response message, where the first payment response message is used to indicate that execution of the payment operation corresponding to the payment request is rejected.

In an embodiment, the deny payment module 720 may include:

a first verification sub-module 723 configured to send a verification message to the second terminal, wherein the verification message is used to remind the second terminal user to trigger a payment request through the first terminal;

a receiving submodule 724 configured to receive a verification response message returned by the second terminal according to the verification message sent by the first verification submodule 723;

a payment determining submodule 725 configured to determine whether the holder of the second terminal allows to perform the payment operation corresponding to the payment request according to the verification response message received by the receiving submodule 724;

a second generating submodule 726, configured to generate a second payment response message if the payment determining submodule 725 determines, according to the verification response message, that the holder of the second terminal allows the payment operation corresponding to the payment request to be performed, wherein the second payment response message is used for instructing the user to input the payment key;

a first determining submodule 727, configured to determine whether to execute a payment operation corresponding to the payment request according to a payment key input by the user according to the second payment response message generated by the second generating submodule 726;

a control submodule 728 configured to control the payment refusal module to perform the step of controlling the first terminal to perform the operation of refusing to complete the payment transaction if it is determined that the holder of the second terminal does not allow the payment operation corresponding to the payment request to be performed according to the verification response message received by the receiving submodule 724.

In one embodiment, the first determination submodule 727 includes:

a second determining sub-module 7271 configured to determine whether the payment key input by the user according to the second payment response message is correct;

a payment sub-module 7272 configured to perform a payment operation corresponding to the payment request if the second determining sub-module 7271 determines that the payment key is correct;

a third generation submodule 7273 configured to generate a first payment response message if the second determination submodule 7271 determines that the payment key is incorrect.

In one embodiment, the deny payment module 720 includes:

a fourth generation submodule 729 configured to generate a second payment response message, wherein the second payment response message is used to instruct the user to input the payment key;

the third determining sub-module 730 is configured to determine whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message generated by the fourth generating sub-module 729.

when the age group to which the user belongs is a first preset age group, the payment denial module 720 may include: a second close sub-module 731 configured to close the payment transaction page; a fifth generation submodule 732 configured to generate a first payment response message, where the first payment response message is used to indicate that execution of the payment operation corresponding to the payment request is denied;

when the age group to which the user belongs is a second preset age group, the payment denial module 720 may include: the second verification sub-module 733, configured to determine whether to perform a payment operation corresponding to the payment request through two-layer verification of the second terminal and the payment key; an execution sub-module 734 configured to control the first terminal to execute the operation corresponding to the payment request if the second verification sub-module 733 determines to execute the payment operation corresponding to the payment request; a reject sub-module 735 configured to control the first terminal to perform an operation of rejecting completion of the payment transaction if the second verification sub-module 733 determines that the payment operation corresponding to the payment request is not performed;

when the age group to which the user belongs is a third preset age group, the payment denial module 720 may include: a sixth generating submodule 736 configured to generate a second payment response message, wherein the second payment response message is used for instructing the user to input the payment key; the fourth determining sub-module 737 is configured to determine whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message generated by the sixth generating sub-module 736.

Fig. 9 is a block diagram illustrating another payment apparatus according to an exemplary embodiment, as shown in fig. 9, and based on the embodiments shown in fig. 7 and/or fig. 8, in an embodiment, the age group determining module 710 may include:

an image acquisition sub-module 711 configured to acquire a face image of a user by an image pickup device;

an extraction sub-module 712 configured to extract features of the facial image acquired by the image acquisition sub-module 711, resulting in facial features of the user;

a fifth determining sub-module 713 configured to determine the age bracket to which the user belongs, based on the facial features of the user extracted by the extracting sub-module 712.

In one embodiment, the age group determination module 710 may include:

the touch mode determining sub-module 714 is configured to obtain, through the touch screen, a touch mode when a user triggers an operation on the touch screen;

a sixth determining sub-module 715 configured to determine the age bracket to which the user belongs according to the touch manner determined by the touch manner determining sub-module 714.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

FIG. 10 is a block diagram illustrating a suitable payment device according to an exemplary embodiment. For example, the apparatus 1000 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.

Referring to fig. 10, the apparatus 1000 may include one or more of the following components: processing component 1002, memory 1004, power component 1006, multimedia component 1008, audio component 1010, input/output (I/O) interface 1012, sensor component 1014, and communications component 1016.

The processing component 1002 generally controls the overall operation of the device 1000, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing elements 1002 may include one or more processors 1020 to execute instructions to perform all or a portion of the steps of the methods described above. Further, processing component 1002 may include one or more modules that facilitate interaction between processing component 1002 and other components. For example, the processing component 1002 can include a multimedia module to facilitate interaction between the multimedia component 1008 and the processing component 1002.

The memory 1004 is configured to store various types of data to support operation at the device 1000. Examples of such data include instructions for any application or method operating on device 1000, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 1004 may be implemented by any type or combination of volatile or non-volatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

The power supply component 1006 provides power to the various components of the device 1000. The power components 1006 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for the device 1000.

The multimedia component 1008 includes a screen that provides an output interface between the device 1000 and a user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 1008 includes a front facing camera and/or a rear facing camera. The front camera and/or the rear camera may receive external multimedia data when the device 1000 is in an operating mode, such as a shooting mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.

The audio component 1010 is configured to output and/or input audio signals. For example, audio component 1010 includes a Microphone (MIC) configured to receive external audio signals when apparatus 1000 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signal may further be stored in the memory 1004 or transmitted via the communication component 1016. In some embodiments, audio component 1010 also includes a speaker for outputting audio signals.

I/O interface 1012 provides an interface between processing component 1002 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.

The sensor assembly 1014 includes one or more sensors for providing various aspects of status assessment for the device 1000. For example, sensor assembly 1014 may detect an open/closed state of device 1000, the relative positioning of components, such as a display and keypad of apparatus 1000, sensor assembly 1014 may also detect a change in position of apparatus 1000 or a component of apparatus 1000, the presence or absence of user contact with apparatus 1000, orientation or acceleration/deceleration of apparatus 1000, and a change in temperature of apparatus 1000. The sensor assembly 1014 may include a proximity sensor configured to detect the presence of a nearby object without any physical contact. The sensor assembly 1014 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 1014 may also include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

The communication component 1016 is configured to facilitate communications between the apparatus 1000 and other devices in a wired or wireless manner. Device 1000 may access a wireless network based on a communication standard, such as WIFI, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component 1016 receives a broadcast signal or broadcast associated information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communications component 1016 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

In an exemplary embodiment, the apparatus 1000 may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described methods.

In an exemplary embodiment, a non-transitory computer readable storage medium comprising instructions, such as the memory 1004 comprising instructions, executable by the processor 1020 of the device 1000 to perform the above-described method is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A payment method for use on a first terminal, the method comprising:

if the age group to which the user belongs is a preset age group, controlling the first terminal to execute an operation of refusing to complete the payment transaction;

the determining the age bracket to which the user belongs comprises:

acquiring a touch mode of the user when the user triggers operation on the touch screen through the touch screen, wherein the touch mode is a pressure value;

determining the age bracket to which the user belongs according to the touch mode;

the determining the age bracket to which the user belongs according to the touch mode comprises:

if the pressure value is smaller than the first pressure threshold value, determining that the age group to which the user belongs is a first preset age group;

if the pressure value is larger than the first pressure threshold value and smaller than a second pressure threshold value, determining that the age group to which the user belongs is a second preset age group;

if the pressure value is larger than the second pressure threshold value, determining that the age group to which the user belongs is a third preset age group;

wherein the first pressure threshold is updated based on actual usage data of the user within a previously set time period of using the first terminal;

the preset age groups comprise a first preset age group, a second preset age group and a third preset age group;

2. The method according to claim 1, wherein when the age group to which the user belongs is a first preset age group, the controlling the first terminal to perform the operation of rejecting the completion of the payment transaction comprises:

3. The method of claim 2, wherein the determining whether to execute the payment operation corresponding to the payment request according to the payment key input by the user according to the second payment response message comprises:

generating the first payment response message if the payment key is incorrect.

4. The method of claim 1, wherein determining the age bracket to which the user belongs comprises:

acquiring a facial image of the user through a camera device;

5. A payment apparatus for use on a first terminal, the apparatus comprising:

the payment refusing module is configured to control the first terminal to execute the operation of refusing to complete the payment transaction if the age group determining module determines that the age group to which the user belongs is a preset age group;

the age group determination module comprises:

the touch mode determining submodule is configured to acquire a touch mode of the user when the user triggers operation on the touch screen through the touch screen, and the touch mode is a pressure value;

a sixth determining submodule configured to determine an age group to which the user belongs, according to the touch manner determined by the touch manner determining submodule;

6. The apparatus of claim 5, wherein the payment denial module comprises, when the age group to which the user belongs is a first preset age group:

7. The apparatus of claim 6, wherein the first determination submodule comprises:

8. The apparatus of claim 5, wherein the age group determination module comprises:

9. A payment apparatus for use on a first terminal, the apparatus comprising:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to:

the determining the age bracket to which the user belongs comprises: