CN106204049A - The method and device of payment processes - Google Patents
The method and device of payment processes Download PDFInfo
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- CN106204049A CN106204049A CN201610587447.2A CN201610587447A CN106204049A CN 106204049 A CN106204049 A CN 106204049A CN 201610587447 A CN201610587447 A CN 201610587447A CN 106204049 A CN106204049 A CN 106204049A
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- China
- Prior art keywords
- payment
- information
- client terminal
- fingerprint
- biological information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
Abstract
The disclosure is directed to the method and device of payment processes.The method of described payment processes includes: when choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；The biological information of Gather and input；The biological information that collects of checking with prestore for unlocking whether the biological information of payment function mates；Upon a match, this payment transaction data are sent to payment transaction processing server；Described payment transaction processing server is for by, during to the checking of these payment transaction data described, performing this payment transaction.This technical scheme simplifies the required operating procedure carried out when user is paid by biological information, reduces user and carries out the loaded down with trivial details degree of delivery operation, thus improves the efficiency of payment.
Description
Technical field
It relates to the technical field of interactive system, particularly relate to the method and device of payment processes.
Background technology
Along with the development in epoch, the means of payment of increasing consumption has applied to biological information.Biological characteristic
Information include fingerprint feature information, iris feature information, face characteristic information, palm vein characteristic information, voice characteristics information,
Infrared temperature chromatogram characteristic information and gait feature information etc., wherein fingerprint payment technology mode is the most most widely used.
Checking finger print information, as the validation testing of consumption and payment, is to have unique fingerprint characteristic according to everyone, therefore logical
Cross fingerprint characteristic to carry out the reliability of consumption and payment and safety and pay also above traditional password.Correlation technique is at payment flow
Upper the most comparatively laborious, need user first to confirm the content such as done shopping, the content such as total amount, then click on payment, entrance inputs password
Or in the stage of checking fingerprint, after user have selected the option that fingerprint payment is relevant, this payment client terminal just starts to gather
Fingerprint on fingerprint identification device surface, the biological information that collects of checking with prestore for unlocking payment function
After biometric information matches, receive the feedback information that the server of this payment client terminal returns.
Summary of the invention
Embodiment of the disclosure the method and device that payment processes is provided.Described technical scheme is as follows:
First aspect according to disclosure embodiment, it is provided that a kind of method of payment processes, including:
When choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；
The biological information of Gather and input；
The biological information that collects of checking with prestore for unlocking the biological information of payment function whether
Join；
Upon a match, sending this payment transaction data to payment transaction processing server, described payment transaction processes clothes
Business device is for by, during to the checking of these payment transaction data described, performing this payment transaction.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: simplify user by biological special
The required operating procedure carried out when reference breath pays, reduces user and carries out the loaded down with trivial details degree of delivery operation, thus promote
The efficiency paid.
In one embodiment, the described biological information for unlocking payment function is stored in described payment client terminal
In the terminal at place or in the server of described payment client terminal.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: the biology collected for checking is special
Reference breath with prestore whether mate and provide necessary support for unlocking the biological information of payment function.
In one embodiment, described biological information includes fingerprint feature information, iris feature information, face characteristic
In information, palm vein characteristic information, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information any one or
Many persons.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: multiple biological information can be
User provides number of ways to complete the processing mode paid, and enriches user's range of choice.
In one embodiment, when described biological information includes fingerprint feature information, the life of described Gather and input
Thing characteristic information, including:
Fingerprint feature information by fingerprint recognition module Gather and input corresponding to described payment client terminal；
Described fingerprint recognition module includes the fingerprint identification device of described payment client terminal place terminal, described payment client
Any one in the touch screen of end place terminal or many persons, wherein, the touch screen of described payment client terminal place terminal
Optional position is provided with gathering fingerprint function.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: by multiple collection fingerprint skill
Art, can provide the user fingerprint input mode more easily.
Second aspect according to disclosure embodiment, it is provided that the device of a kind of payment processes, for payment client terminal, bag
Include:
Opening module, for when choosing interface and receiving the instruction of the selection to article, opening collecting biological feature information
Function；
Acquisition module, for the biological information of Gather and input；
Authentication module, the biological information collected for checking and the biological spy for unlocking payment function prestored
Whether reference breath mates；
Sending module, for upon a match, sends this payment transaction data to payment transaction processing server, described
Pay transaction processing server for by, during to the checking of these payment transaction data described, performing this payment transaction.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: simplify user by biological special
The required operating procedure carried out when reference breath pays, reduces user and carries out the loaded down with trivial details degree of delivery operation, thus promote
The efficiency that user pays.
In one embodiment, also include:
Memory module, for being stored in described payment client terminal by the described biological information being used for unlocking payment function
In the terminal at place or in the server of described payment client terminal.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: the biology collected for checking is special
Reference breath with prestore whether mate and provide necessary support for unlocking the biological information of payment function.
In one embodiment, described biological information includes fingerprint feature information, iris feature information, face characteristic
In information, palm vein characteristic information, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information any one or
Many persons.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: multiple biological information can be
User provides the multiple processing mode being completed by biological information and paying, and enriches user's range of choice.
In one embodiment, described acquisition module, including:
Gather submodule, for the fingerprint characteristic of the fingerprint recognition module Gather and input corresponding by described payment client terminal
Information；Described fingerprint recognition module includes the fingerprint identification device of described payment client terminal place terminal, described payment client terminal
Any one in the touch screen of place terminal or many persons, wherein, appointing of the touch screen of described payment client terminal place terminal
Meaning position is provided with gathering fingerprint function.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: by multiple collection fingerprint skill
Art, can provide the user fingerprint input mode more easily.
The third aspect according to disclosure embodiment, it is provided that a kind of method of payment processes, is applied to payment client terminal, institute
State device to include:
Processor；
For storing the memorizer of processor executable；
Wherein, described processor is configured to:
When choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；
The biological information of Gather and input；
The biological information that collects of checking with prestore for unlocking the biological information of payment function whether
Join；
Upon a match, sending this payment transaction data to payment transaction processing server, described payment transaction processes clothes
Business device is for by, during to the checking of these payment transaction data described, performing this payment transaction.
It should be appreciated that it is only exemplary and explanatory, not that above general description and details hereinafter describe
The disclosure can be limited.
Accompanying drawing explanation
Accompanying drawing herein is merged in description and constitutes the part of this specification, it is shown that meet the enforcement of the disclosure
Example, and for explaining the principle of the disclosure together with description.
Fig. 1 is the flow chart of the method according to a kind of payment processes shown in an exemplary embodiment；
Fig. 2 is the flow chart of the method according to a kind of payment processes shown in another exemplary embodiment；
Fig. 3 is the implementation result figure of the method according to a kind of payment processes shown in an exemplary embodiment；
Fig. 4 is the flow chart of step S12 of the method according to a kind of payment processes shown in an exemplary embodiment；
Fig. 5 is the block diagram of the device according to a kind of payment processes shown in an exemplary embodiment；
Fig. 6 is the block diagram of the device according to a kind of payment processes shown in another exemplary embodiment；
Fig. 7 is the block diagram of the acquisition module 52 of the device according to a kind of payment processes shown in an exemplary embodiment；
Fig. 8 is the block diagram of the device according to a kind of payment processes shown in an exemplary embodiment；
Fig. 9 is the schematic diagram of existing payment processing method；
Figure 10 is the schematic diagram of the method according to a kind of payment processes shown in an exemplary embodiment；
Figure 11 is the schematic diagram of the method according to a kind of payment processes shown in an exemplary embodiment.
Detailed description of the invention
Here will illustrate exemplary embodiment in detail, its example represents in the accompanying drawings.Explained below relates to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represents same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the disclosure.On the contrary, they are only with the most appended
The example of the apparatus and method that some aspects that described in detail in claims, the disclosure are consistent.
Fig. 1 is the flow chart according to a kind of payment processing method shown in an exemplary embodiment, as it is shown in figure 1, this
Pay the method processed, for payment client terminal, comprise the following steps S11-S14:
In step s 11, when choosing interface and receiving the instruction of the selection to article, collecting biological feature information merit is opened
Energy；
In step s 12, the biological information of Gather and input；
In step s 13, the biological information that checking collects and the biological spy for unlocking payment function prestored
Whether reference breath mates；
In step S14, upon a match, send this payment transaction data to payment transaction processing server, described
Pay transaction processing server for by, during to the checking of these payment transaction data described, performing this payment transaction.
In one embodiment, described biological information includes fingerprint feature information, iris feature information, face characteristic
In information, palm vein characteristic information, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information any one or
Many persons.In the technical scheme of the disclosure, biological information is as a example by fingerprint feature information, but in the technical scheme of the disclosure
Biological information be not limited to fingerprint feature information.
Interface of choosing in disclosure embodiment refers to provide Item Information to supply the interface that user selects, and this interface includes
Selection key that Item Information is corresponding with article or option, as shown in Figure 3.
Therefore, the said method that disclosure embodiment provides, it is not necessary to enter payment interface and perform biological characteristic payment again
Operation, but directly choosing execution on interface, simplify the operating process of payment client terminal, simplify user by biological special
The required operating procedure carried out when reference breath pays, reduces user and carries out the loaded down with trivial details degree of delivery operation, thus promote
The efficiency paid.
When this payment client terminal enters into and chooses interface, this chooses appearance ' fingerprint identification ', ' password confirming ' in interface
The option of multiple payment affirmation modes such as ' note key confirmations '.No matter the payment affirmation mode of ' fingerprint identification ' is the most selected
Select, the most directly open the function of the fingerprint feature information of Gather and input.
The fingerprint recognition module corresponding by this payment client terminal gathers fingerprint feature information, and this fingerprint recognition module includes
The fingerprint identification device of this payment client terminal place terminal, this payment client terminal place terminal touch in screen any one or
Many persons, wherein, the optional position touching screen of this payment client terminal place terminal is provided with gathering fingerprint function.To be used for solving
The biological information of lock payment function is stored in this payment client terminal or in the server of this payment client terminal.This
Pay the biological information that collects of client validation with prestore for unlocking the biological information of payment function whether
Join.When the biological information collected with prestore for the biometric information matches unlocking payment function time, to payment
Transaction processing server sends this payment transaction data.This payment transaction processing server for by described this
When paying the checking of transaction data, perform this payment transaction.
Such as, a certain payment client terminal enters when choosing interface, and current interface of choosing can be shown that plurality of optional pays
Mode, including the password means of payment, the note digital cipher means of payment, the fingerprint means of payment etc., and by the above-mentioned means of payment with
The form of button is presented on this and chooses on interface.By the technical scheme of the disclosure, this payment client terminal is choosing interface reception
When arriving the instruction of the selection to article, directly open collecting biological feature information function, after collecting biological information, directly
Verify this biological information whether with prestore for unlocking whether the biological information of payment function mates, work as coupling
Time, send this payment transaction data to payment transaction processing server.For user perspective, said process can also describe
For: comparing and existing technical scheme, after user confirms Shopping content, total amount, payment client terminal need not enter and props up
Paying interface, the step for of having skipped entrance payment interface, user, without selecting the means of payment, has i.e. skipped and has selected the means of payment
Step, can complete delivery operation by the biological information of directly checking, decrease a step than existing operating procedure, reach
Arrive the technique effect of the step of the existing delivery operation of simplification.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: need not enter payment interface again
Perform biological characteristic delivery operation, but directly choosing execution on interface, simplify the operating process of payment client terminal, simplify
The required operating procedure carried out when user is paid by biological information, reduces user and carries out delivery operation
Loaded down with trivial details degree, thus improve the efficiency of payment.
In one embodiment, as in figure 2 it is shown, also comprise the steps S21:
In the step s 21, the biological information being used for unlocking payment function is stored in described payment client terminal place
Terminal in or the server of described payment client terminal in.
For example, the biological information being used for unlocking payment function is storable in the interior of this payment client terminal association
Deposit, in the storage device such as SD card, solid state hard disc, nand flash memory, those storage devices can be integrated in this payment client terminal place
The inside of terminal, it is also possible to by the way of interface connects, be connected to the terminal at this payment client terminal place.Prop up for unlocking
In the hard disk array of the server that the biological information paying function may be alternatively stored in this payment client terminal.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: the biology collected for checking is special
Reference breath with prestore whether mate and provide necessary support for unlocking the biological information of payment function.
In one embodiment, as shown in Figure 4, step 12 comprises the steps S41:
In step S41, believed by the fingerprint characteristic of fingerprint recognition module Gather and input corresponding to described payment client terminal
Breath；Described fingerprint recognition module includes the fingerprint identification device of described payment client terminal place terminal, described payment client terminal institute
Any one or the many persons that touch in screen of terminal, wherein, described payment client terminal place terminal touch any of screen
Position is provided with gathering fingerprint function.
For example, by the fingerprint feature information of fingerprint recognition module Gather and input corresponding to this payment client terminal.Should
Fingerprint recognition module includes this payment client terminal place Terminal fingerprints identification device and touch screen of payment client terminal place terminal
Any one in Mu or many persons.For example, it is possible to gather fingerprint by fingerprint Identification sensor, it is also possible to by below screen
The ultrasonic fingerprint evaluator arranged gathers fingerprint.Press for collection user by the way of fingerprint Identification sensor gathers fingerprint
The fingerprint being pressed on the surface of fingerprint Identification sensor.Fingerprint is gathered by the ultrasonic fingerprint evaluator arranged below screen
Mode can the optional position of screen gather fingerprint.Also include arbitrarily possessing fingerprint in this payment client terminal place terminal
The station acquisition fingerprint of acquisition function.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: by multiple collection fingerprint skill
Art, can provide the user fingerprint input mode more easily.
In one embodiment, Fig. 5 is the block diagram according to a kind of payment processes shown in an exemplary embodiment.Such as Fig. 5
Shown in, for payment client terminal, this device includes opening module 51, acquisition module 52, authentication module 53 and sending module 54.
This opening module 51 is configured as choosing interface when receiving the instruction of the selection to article, opens biological characteristic letter
Breath acquisition function, described biological information includes that fingerprint feature information, iris feature information, face characteristic information, palm are quiet
Any one or many persons in arteries and veins characteristic information, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information；
This acquisition module 52 is configured to the biological information of Gather and input；
This authentication module 53 be configured to verify that the biological information collected with prestore for unlocking payment function
Biological information whether mate；
This sending module 54 is configured to upon a match, sends this payment transaction number to payment transaction processing server
According to, described payment transaction processing server for by, during to the checking of these payment transaction data described, performing this
Pay transaction.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: simplify user by biological special
The required operating procedure carried out when reference breath pays, reduces user and carries out the loaded down with trivial details degree of delivery operation, thus promote
The efficiency that user pays.
In one embodiment, as shown in Figure 6, memory module 61 is also included:
This memory module 61 is configured to the described biological information being used for unlocking payment function is stored in described
Pay in the terminal at client place or in the server of described payment client terminal.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: the biology collected for checking is special
Reference breath with prestore whether mate and provide necessary support for unlocking the biological information of payment function.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: to biological support collection apparatus merit
The payment client terminal of energy enables corresponding biological information payment function, thus optimizes the experience of user.
In one embodiment, as it is shown in fig. 7, this acquisition module 52 include gather submodule 71:
This collection submodule 71 is configured to fingerprint recognition module Gather and input corresponding to described payment client terminal
Fingerprint feature information；Described fingerprint recognition module include the fingerprint identification device of described payment client terminal place terminal, described
Pay any one in the touch screen of client place terminal or many persons, wherein, the touch of described payment client terminal place terminal
The optional position of screen is provided with gathering fingerprint function.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: by multiple collection fingerprint skill
Art, can provide the user fingerprint input mode more easily.
In one embodiment, it is provided that the device of a kind of payment processes is configured to payment client terminal, including:
Processor；
For storing the memorizer of processor executable；
Wherein, processor is configured to:
When choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；
The biological information of Gather and input；
The biological information that collects of checking with prestore for unlocking the biological information of payment function whether
Join；
Upon a match, sending this payment transaction data to payment transaction processing server, described payment transaction processes clothes
Business device is for by, during to the checking of these payment transaction data described, performing this payment transaction.
Above-mentioned processor is also configured to:
The described biological information for unlocking payment function be stored in the terminal at described payment client terminal place or
In the server of payment client terminal described in person.
Described biological information includes that fingerprint feature information, iris feature information, face characteristic information, palm vein are special
Any one or many persons in reference breath, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information.
Described when choosing interface and receiving the instruction of the selection to article, unlatching collecting biological feature information function, including:
When described payment client terminal possesses collecting biological feature information function, receive the choosing to article when choosing interface
When selecting instruction, open the biological information payment function of described payment client terminal.
When described biological information includes fingerprint feature information, the biological information of described Gather and input, including:
Fingerprint feature information by fingerprint recognition module Gather and input corresponding to described payment client terminal；
Described fingerprint recognition module includes the fingerprint identification device of described payment client terminal place terminal, described payment client
Any one in the touch screen of end place terminal or many persons, wherein, the touch screen of described payment client terminal place terminal
Optional position is provided with gathering fingerprint function.
Fig. 8 is the block diagram according to a kind of device 1200 for payment processes shown in an exemplary embodiment, this device
It is applicable to terminal unit.Such as, device 1200 can be mobile phone, computer, digital broadcast terminal, messaging devices,
Game console, tablet device, armarium, body-building equipment, personal digital assistant etc..
With reference to Fig. 8, device 1200 can include following one or more assembly: processes assembly 1202, memorizer 1204, electricity
Source component 1206, multimedia groupware 1208, audio-frequency assembly 1210, the interface 1212 of input/output (I/O), sensor cluster
1214, and communications component 1216.
Process assembly 1202 and generally control the integrated operation of device 1200, such as with display, call, data communication,
The operation that camera operation and record operation are associated.Process assembly 1202 and can include that one or more processor 1220 performs
Instruction, to complete all or part of step of above-mentioned method.Additionally, process assembly 1202 can include one or more mould
Block, it is simple to process between assembly 1202 and other assemblies is mutual.Such as, process assembly 1202 and can include multi-media module,
With facilitate multimedia groupware 1208 and process between assembly 1202 mutual.
Memorizer 1204 is configured to store various types of data to support the operation at device 1200.These data
Example include on device 1200 operation any application program or the instruction of method, contact data, telephone book data,
Message, picture, video etc..Memorizer 1204 can by any kind of volatibility or non-volatile memory device or they
Combination realizes, such as static RAM (SRAM), Electrically Erasable Read Only Memory (EEPROM), erasable can
Program read-only memory (EPROM), programmable read only memory (PROM), read only memory (ROM), magnetic memory, flash memory
Reservoir, disk or CD.
The various assemblies that power supply module 1206 is device 1200 provide electric power.Power supply module 1206 can include power management
System, one or more power supplys, and other generate, manage and distribute, with for device 1200, the assembly that electric power is associated.
The screen of one output interface of offer that multimedia groupware 1208 is included between described device 1200 and user.?
In some embodiments, screen can include liquid crystal display (LCD) and touch panel (TP).If screen includes touch panel,
Screen may be implemented as touch screen, to receive the input signal from user.Touch panel includes that one or more touch passes
Sensor is with the gesture on sensing touch, slip and touch panel.Described touch sensor can not only sense touch or slide dynamic
The border made, but also detect the persistent period relevant to described touch or slide and pressure.In certain embodiments, many
Media component 1208 includes a front-facing camera and/or post-positioned pick-up head.When device 1200 is in operator scheme, such as shooting mould
When formula or video mode, front-facing camera and/or post-positioned pick-up head can receive the multi-medium data of outside.Each preposition shooting
Head and post-positioned pick-up head can be a fixing optical lens system or have focal length and optical zoom ability.
Audio-frequency assembly 1210 is configured to output and/or input audio signal.Such as, audio-frequency assembly 1210 includes a wheat
Gram wind (MIC), when device 1200 is in operator scheme, during such as call model, logging mode and speech recognition mode, mike quilt
It is configured to receive external audio signal.The audio signal received can be further stored at memorizer 1204 or via communication
Assembly 1216 sends.In certain embodiments, audio-frequency assembly 1210 also includes a speaker, is used for exporting audio signal.
I/O interface 1212 provides interface, above-mentioned peripheral interface module for processing between assembly 1202 and peripheral interface module
Can be keyboard, put striking wheel, button etc..These buttons may include but be not limited to: home button, volume button, start button and
Locking press button.
Sensor cluster 1214 includes one or more sensor, for providing the state of various aspects to comment for device 1200
Estimate.Such as, what sensor cluster 1214 can detect device 1200 opens/closed mode, the relative localization of assembly, such as institute
Stating display and keypad that assembly is device 1200, sensor cluster 1214 can also detect device 1200 or device 1,200 1
The position change of individual assembly, the presence or absence that user contacts with device 1200, device 1200 orientation or acceleration/deceleration and dress
Put the variations in temperature of 1200.Sensor cluster 1214 can include proximity transducer, is configured to do not having any physics
The existence of object near detection during contact.Sensor cluster 1214 can also include optical sensor, as CMOS or ccd image sense
Device, for using in imaging applications.In certain embodiments, this sensor cluster 1214 can also include acceleration sensing
Device, gyro sensor, Magnetic Sensor, pressure transducer or temperature sensor.
Communications component 1216 is configured to facilitate the communication of wired or wireless mode between device 1200 and other equipment.Dress
Put 1200 and can access wireless network based on communication standard, such as WiFi, 2G or 3G, or combinations thereof.Exemplary at one
In embodiment, broadcast singal or broadcast that communications component 1216 receives from external broadcasting management system via broadcast channel are relevant
Information.In one exemplary embodiment, described communications component 1216 also includes near-field communication (NFC) module, to promote short distance
Communication.Such as, can be based on RF identification (RFID) technology in NFC module, Infrared Data Association (IrDA) technology, ultra broadband
(UWB) technology, bluetooth (BT) technology and other technologies realize.
In the exemplary embodiment, device 1200 can be by one or more application specific integrated circuits (ASIC), numeral
Signal processor (DSP), digital signal processing appts (DSPD), PLD (PLD), field programmable gate array
(FPGA), controller, microcontroller, microprocessor or other electronic components realize, be used for performing said method.
In the exemplary embodiment, a kind of non-transitory computer-readable recording medium including instruction, example are additionally provided
As included the memorizer 1204 of instruction, above-mentioned instruction can have been performed said method by the processor 1220 of device 1200.Example
As, described non-transitory computer-readable recording medium can be ROM,
A kind of non-transitory computer-readable recording medium, when the instruction in described storage medium is by the process of device 1200
When device performs so that device 1200 is able to carry out the method shown in Fig. 1, and described method includes:
When choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；
The biological information of Gather and input；
The biological information that collects of checking with prestore for unlocking the biological information of payment function whether
Join；
Upon a match, sending this payment transaction data to payment transaction processing server, described payment transaction processes clothes
Business device is for by, during to the checking of these payment transaction data described, performing this payment transaction.
As it is shown in figure 9, illustrate the operating procedure of the fingerprint payment technology of routine.Payment circle is entered at payment client terminal
Behind face, user is needed first to click " buying immediately " button in payment button, such as Fig. 9, afterwards, in response to for payment button
Selection, payment client terminal require user carry out subscriber authentication.After user carries out fingerprint authentication, receive this payment visitor
The feedback information that the server of family end returns.
As shown in Figure 10, illustrate technical scheme in the disclosure, enter the feelings choosing interface at payment client terminal
Under condition, after user have selected article, this payment client terminal directly starts to gather the fingerprint on fingerprint identification device surface.Testing
The biological information that collects of card with prestore after the biometric information matches unlocking payment function, receive this payment
The feedback information that the server of client returns.
As shown in figure 11, the technical scheme in Figure 11 is the extension of the technical scheme in Figure 10, can gather any of screen
The finger print information of position.Can appointing at screen by the way of the ultrasonic fingerprint evaluator arranged below screen gathers fingerprint
Meaning station acquisition fingerprint, it is possible to do not affected by dirt that may be present on finger, such as sweat, hand cream or condensation etc., thus
A kind of authentication method more stable, more accurate is provided.
Those skilled in the art, after considering description and putting into practice invention disclosed herein, will readily occur to its of the disclosure
Its embodiment.The disclosure is intended to any modification, purposes or the adaptations of the disclosure, these modification, purposes or
Person's adaptations is followed the general principle of the disclosure and includes the undocumented common knowledge in the art of the disclosure
Or conventional techniques means.Description and embodiments is considered only as exemplary, and the true scope of the disclosure and spirit are by following
Claim is pointed out.
It should be appreciated that the disclosure is not limited to precision architecture described above and illustrated in the accompanying drawings, and
And various modifications and changes can carried out without departing from the scope.The scope of the present disclosure is only limited by appended claim.
Claims (9)
1. a method for payment processes, for payment client terminal, it is characterised in that including:
When choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；
The biological information of Gather and input；
The biological information that collects of checking with prestore for unlocking whether the biological information of payment function mates；
Upon a match, this payment transaction data, described payment transaction processing server are sent to payment transaction processing server
For by, during to the checking of these payment transaction data described, performing this payment transaction.
2. the method for claim 1, it is characterised in that
The described biological information for unlocking payment function is stored in the terminal at described payment client terminal place or institute
State in the server of payment client terminal.
3. the method for claim 1, it is characterised in that
Described biological information includes that fingerprint feature information, iris feature information, face characteristic information, palm vein feature are believed
Any one or many persons in breath, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information.
4. the method for claim 1, it is characterised in that when described biological information includes fingerprint feature information,
The biological information of described Gather and input, including:
Fingerprint feature information by fingerprint recognition module Gather and input corresponding to described payment client terminal；
Described fingerprint recognition module includes the fingerprint identification device of described payment client terminal place terminal, described payment client terminal institute
Any one or the many persons that touch in screen of terminal, wherein, described payment client terminal place terminal touch any of screen
Position is provided with gathering fingerprint function.
5. a device for payment processes, for payment client terminal, it is characterised in that including:
Opening module, for when choosing interface and receiving the instruction of the selection to article, opening collecting biological feature information function；
Acquisition module, for the biological information of Gather and input；
Authentication module, the biological information collected for checking and the biological characteristic letter for unlocking payment function prestored
Whether breath mates；
Sending module, for upon a match, sends this payment transaction data to payment transaction processing server, and described payment is handed over
Disposable server is for by, during to the checking of these payment transaction data described, performing this payment transaction.
Device the most according to claim 5, it is characterised in that also include:
Memory module, for being stored in described payment client terminal place by the described biological information being used for unlocking payment function
Terminal in or the server of described payment client terminal in.
Device the most according to claim 5, it is characterised in that
Described biological information includes that fingerprint feature information, iris feature information, face characteristic information, palm vein feature are believed
Any one or many persons in breath, voice characteristics information, infrared temperature chromatogram characteristic information and gait feature information.
Device the most according to claim 5, it is characterised in that described acquisition module, including:
Gathering submodule, the fingerprint characteristic for the fingerprint recognition module Gather and input corresponding by described payment client terminal is believed
Breath；Described fingerprint recognition module includes the fingerprint identification device of described payment client terminal place terminal, described payment client terminal institute
Any one or the many persons that touch in screen of terminal, wherein, described payment client terminal place terminal touch any of screen
Position is provided with gathering fingerprint function.
9. a device for payment processes, for payment client terminal, it is characterised in that described device includes:
Processor；
For storing the memorizer of processor executable；
Wherein, described processor is configured to:
When choosing interface and receiving the instruction of the selection to article, open collecting biological feature information function；
The biological information of Gather and input；
The biological information that collects of checking with prestore for unlocking whether the biological information of payment function mates；
Upon a match, this payment transaction data, described payment transaction processing server are sent to payment transaction processing server
For by, during to the checking of these payment transaction data described, performing this payment transaction.
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Application publication date: 20161207 |