CN106600276A - Payment method, apparatus and system - Google Patents
Payment method, apparatus and system Download PDFInfo
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- CN106600276A CN106600276A CN201510685291.7A CN201510685291A CN106600276A CN 106600276 A CN106600276 A CN 106600276A CN 201510685291 A CN201510685291 A CN 201510685291A CN 106600276 A CN106600276 A CN 106600276A
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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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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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
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment method, apparatus and system. The method comprises: first feature information inputted by a terminal user is verified, wherein the first feature information is used for unique identification of the terminal user; after successful verification, account information of the terminal user at a transaction payment platform is invoked; and according to the account information, payment is carried out at the transaction payment platform. Using the payment method, apparatus and system, problems of poor information security caused by manual individual information inputting for payment operation at a terminal by a user and inconvenience of hand-operated payment platform selection can be solved; and thus an effect of secure and rapid payment at a terminal can be realized.
Description
Technical field
The present invention relates to moving communicating field, in particular to a kind of method of payment, apparatus and system.
Background technology
With the rise and development of 3/4G technologies, the rise of mobile e-business is brought, mobile phone is become more
Easily transaction terminal.Mobile payment be exactly allow user using its mobile terminal to the commodity consumed or
Service carries out a kind of method of service of account payment.The report of data research company IDC shows, 2017
The amount of money of global mobile payment will break through 1 trillion dollars.Powerful data are it is meant that a few years from now on is global
Mobile payment service will be presented the trend that persistently goes strong, and adjoint security and convenient and swift property increasingly obtains weight
Depending on.
At present, the information security sex chromosome mosaicism of mobile payment and the convenient sex chromosome mosaicism of payment are always mobile payment energy
One bottleneck of no Rapid Popularization.From in terms of the development condition of domestic mobile payment service, still lack unification
The safety of payment standard being widely recognized as, so user transmit under wireless network personal information easily by
Interception is cracked causes leakage of personal information, while in the present case user carries out electric business on intelligent terminal
It is also very inconvenience that transaction needs to manually enter the delivery operation such as personal information and manual selection payment platform
It is prompt.
For in the related, the security of delivery operation is low, the problem of convenience difference is not yet proposed
Effective solution.
The content of the invention
The invention provides a kind of method of payment, apparatus and system, at least to solve to be paid in correlation technique
The security of operation is low, the problem of convenience difference.
According to an aspect of the invention, there is provided a kind of method of payment, including：
The fisrt feature information of terminal use's input is verified, wherein, the fisrt feature information is used
In terminal use described in unique mark；
After being verified, the terminal use is called in the accounts information of transaction payment platform；
Paid on transaction payment platform according to the accounts information.
Further, the fisrt feature information to terminal use's input is verified, including：
Obtain the fisrt feature information of user's currently input；
The fisrt feature information is verified according to the second feature information for prestoring, wherein,
When the fisrt feature information is with the second feature information matches, the fisrt feature Information Authentication passes through.
Further, the fisrt feature information for obtaining user's currently input, including：
The fisrt feature information is obtained by the external device of terminal.
Further, after being verified, the terminal use is called to believe in the account of transaction payment platform
Breath, including：
After being verified, the personal information of the terminal use is read；
The accounts information is called according to the personal information.
Further, when the transaction payment platform is multiple, according to the accounts information in transaction
Pay and paid on platform, including：
Obtain the priority-level of the plurality of transaction payment platform；
Highest transaction payment platform in the priority-level is selected to be paid.
Further, the priority-level of the plurality of transaction payment platform is obtained, including：
Obtain at least one of parameter information of terminal use described in the transaction payment platform：Account
Balance amount information, the liveness information of the terminal use；
The priority-level is obtained according to parameter information.
According to a further aspect in the invention, there is provided a kind of payment mechanism, including：Authentication module, is used for
The fisrt feature information of terminal use's input is verified, wherein, the fisrt feature information is used for only
The one mark terminal use；Calling module, for after being verified, calling the terminal use to exist
The accounts information of transaction payment platform；Payment module, for flat in transaction payment according to the accounts information
Paid on platform.
According to a further aspect in the invention, there is provided a kind of payment system, including：Terminal, the terminal
External device, wherein, the external device, for being input into terminal use for the unique mark end
The fisrt feature information of end subscriber is verified, and the result is sent to the terminal；The terminal,
For when the result shows that the fisrt feature Information Authentication passes through, calling the terminal use
In the accounts information of transaction payment platform, and then carried out on transaction payment platform according to the accounts information
Pay.
Further, the external device, is additionally operable to obtain the fisrt feature information of user's currently input,
And the fisrt feature information is verified according to the second feature information for prestoring, wherein, in institute
When stating fisrt feature information with the second feature information matches, the fisrt feature Information Authentication passes through.
Further, the terminal, also includes：Interface, wherein, the external device is connect by described
Mouth is connected with the terminal.
By the present invention, employ and the fisrt feature information of terminal use's input is verified, wherein,
The fisrt feature information is used for terminal use described in unique mark；After being verified, the end is called
Accounts information of the end subscriber in transaction payment platform；It is enterprising in transaction payment platform according to the accounts information
Row pays.Solve needs to manually enter caused by personal information when user carries out delivery operation in the terminal
The not convenient sex chromosome mosaicism of information security sex chromosome mosaicism and manual selection payment platform, and then reach the peace in terminal
Effect that is complete and fast completing payment.
Description of the drawings
Accompanying drawing described herein is used for providing a further understanding of the present invention, constitutes of the application
Point, the schematic description and description of the present invention is used to explain the present invention, does not constitute to the present invention's
Improper restriction.In the accompanying drawings：
Fig. 1 is the flow chart of method of payment according to embodiments of the present invention；
Fig. 2 is another flow chart of method of payment according to embodiments of the present invention；
Fig. 3 is the flow chart of the method for payment according to example of the present invention；
Fig. 4 is the structured flowchart of payment mechanism according to embodiments of the present invention；
Fig. 5 is the structured flowchart of payment system according to embodiments of the present invention；
Fig. 6 is another structured flowchart of payment system according to embodiments of the present invention.
Specific embodiment
Below with reference to accompanying drawing and in conjunction with the embodiments describing the present invention in detail.It should be noted that
In the case of not conflicting, the feature in embodiment and embodiment in the application can be mutually combined.
It should be noted that description and claims of this specification and the term in above-mentioned accompanying drawing "
One ", " second " etc. is the object for distinguishing similar, without being used to describe specific order or priority
Order.
Method of payment is provided in the present embodiment, and Fig. 1 is method of payment according to embodiments of the present invention
Flow chart, as shown in figure 1, the flow process comprises the steps：
Step S101, verifies to the fisrt feature information of terminal use's input, wherein, above-mentioned first
Characteristic information is used for the above-mentioned terminal use of unique mark；
Step S102, after being verified, calls above-mentioned terminal use to believe in the account of transaction payment platform
Breath；
Step S103, is paid according to above-mentioned accounts information on transaction payment platform.
Fisrt feature letter by above-mentioned each step, when user's delivery operation, to terminal use's input
Cease and verified, wherein, above-mentioned fisrt feature information is used for the above-mentioned terminal use of unique mark；In checking
By rear, above-mentioned terminal use is called in the accounts information of transaction payment platform；According to above-mentioned accounts information
Paid on transaction payment platform.Solve user carries out needing craft during delivery operation in terminal
The not convenient sex chromosome mosaicism of information security sex chromosome mosaicism and manual selection payment platform caused by input personal information,
Further reach the effect that is safe and fast completing payment in terminal.
Fig. 2 is another flow chart of method of payment according to embodiments of the present invention, below in conjunction with accompanying drawing 2
Describe each preferred embodiment of the embodiment of the present invention in detail.
In an optional example, step S101 can also be realized by below scheme, defeated to terminal use
The fisrt feature information for entering is verified：
Step S101A, obtains the fisrt feature information of user's currently input；
Step S101B, tests above-mentioned fisrt feature information according to the second feature information for prestoring
Card, wherein, when above-mentioned fisrt feature information is with above-mentioned second feature information matches, above-mentioned fisrt feature
Information Authentication passes through.
In an optional example, step S101A can also obtain above-mentioned the by the external device of terminal
One characteristic information.
In an optional example, step S102 can also be realized by below scheme, after being verified,
Above-mentioned terminal use is called in the accounts information of transaction payment platform, including：
Step S102A, after being verified, reads the personal information of above-mentioned terminal use；
Step S102B, according to above-mentioned personal information above-mentioned accounts information is called.
In an optional example, step S103 can also be realized by below scheme, in above-mentioned transaction
Pay platform for it is multiple when, paid on transaction payment platform according to above-mentioned accounts information, including：
Step S103A, obtains the priority-level of above-mentioned multiple transaction payment platforms；
Step S103B, selects highest transaction payment platform in above-mentioned priority-level to be paid.
In an optional example, step S103A can also be realized by below scheme, be obtained above-mentioned many
The priority-level of individual transaction payment platform, including：
Step S103Aa, obtains at least one of ginseng of above-mentioned terminal use in above-mentioned transaction payment platform
Number information：Account balance information, the liveness information of above-mentioned terminal use；
Step S103Ab, according to parameter information above-mentioned priority-level is obtained.
Above-mentioned technical proposal is illustrated below in conjunction with an example, Fig. 3 is propping up according to example of the present invention
The flow chart of the method for paying, as shown in figure 3, store userspersonal information's name, identity in external device
The information such as card number, biological characteristic, the external device possesses the information such as biological characteristic such as fingerprint, voice receipts
Collection function, just selects payment automatically, above-mentioned method of payment to comprise the following steps when user has payment demand：
Step S302, is provided with corresponding payment software automatically, there is provided automatic payment software on mobile phone terminal
Calling interface selects payment automatically to cooperation third party's electric business platform, user when payment is moved
Option, will start the automatic payment software of installation, and payment and Merchant Account information transmission are given
Payment software；
Step S304, payment software can detect whether user mobile phone terminal charge port inserts external device,
No then prompting user's insertion.
Step S306, inserts external device, and external device possesses biological characteristic (fingerprint, voice etc.) receipts
The one side of collection function, external device carries out the i.e. above-mentioned fisrt feature information gathering of biological characteristic and and writes in advance
The i.e. above-mentioned second feature information of the user biological characteristic information for entering is compared, and comparing can send out public notice after success
To payment software.Payment software receives the signal whether authentication passes through, if checking is logical without checking
Cross will interface prompt subscriber authentication it is illegal.
Step S308, after user biological characteristic matching is qualified, payment software can call Unionpay or third party
The user account information interface that platform is provided is paid, the encryption parameter of interface transmission is that payment software is filled from hardware
The i.e. above-mentioned second feature information of the name read in putting and identification card number.What interface was returned is user in silver
The account name of connection or Third-party payment platform, remaining sum and the Transaction Information in nearest January.
Step S310, payment software are selected according to the principle of account balance and the number of times of transaction (i.e. liveness)
Select a user account to be paid.Payment process calls Unionpay or Third-party payment platform for payment software
The payment interface of offer paid, the parameter of transmission is payment and Merchant Account information.
Through the above description of the embodiments, those skilled in the art can be understood that basis
The method of above-described embodiment can add the mode of required general hardware platform to realize by software, certainly
Can be by hardware, but in many cases the former is more preferably embodiment.Based on such understanding, this
The part that the technical scheme of invention substantially contributes in other words to prior art can be with software product
Form is embodied, the computer software product be stored in a storage medium (as ROM/RAM, magnetic disc,
CD) in, including some instructions are used so that a station terminal equipment (can be mobile phone, computer takes
Business device, or the network equipment etc.) perform the above-mentioned method of each embodiment of the invention.
A kind of payment mechanism is additionally provided in the present embodiment, and the device is used to realize above-described embodiment and excellent
Embodiment is selected, repeating no more for explanation had been carried out.As used below, term " module "
The software of predetermined function and/or the combination of hardware can be realized.Although the device described by following examples compared with
Realized with software goodly, but hardware, or the realization of the combination of software and hardware is also possible and quilt
Conception.
Fig. 4 is the structured flowchart of payment mechanism according to embodiments of the present invention, as shown in figure 4, the device
Including such as lower module：
Authentication module 42, the fisrt feature information for being input into terminal use verifies, wherein, on
Fisrt feature information is stated for the above-mentioned terminal use of unique mark；
Calling module 44, for after being verified, calling above-mentioned terminal use in transaction payment platform
Accounts information；
Payment module 46, for being paid on transaction payment platform according to above-mentioned accounts information.
It should be noted that above-mentioned modules can be by software or hardware to realize, for rear
Person, can be accomplished by, but not limited to this：Above-mentioned module is respectively positioned in same processor；
Or, above-mentioned module is located at respectively in multiple processors.
In the present embodiment, a kind of payment system is additionally provided, Fig. 5 is according to embodiments of the present invention propping up
The structured flowchart of the system of paying, as shown in figure 5, the system includes：
Terminal 52, the external device 54 of the terminal, wherein, above-mentioned external device 54, for terminal
The fisrt feature information for the unique mark terminal use of user input verified, and will checking knot
Fruit is sent to above-mentioned terminal；Above-mentioned terminal 52, for showing above-mentioned fisrt feature letter in above-mentioned the result
When breath is verified, above-mentioned terminal use is called in the accounts information of transaction payment platform, and then according to upper
State accounts information to be paid on transaction payment platform.
In an optional example, above-mentioned external device 54 is additionally operable to obtain the first of user's currently input
Characteristic information, and fisrt feature information is verified according to the second feature information for prestoring, wherein,
In fisrt feature information and second feature information matches, fisrt feature Information Authentication passes through.
In an optional example, above-mentioned terminal 52 also includes：Interface, wherein, above-mentioned external device
54 are connected by above-mentioned interface with above-mentioned terminal 52.
One example is illustrated to above-mentioned technical proposal, and such as Fig. 6 is the payment system according to the embodiment of the present invention
Another structured flowchart of system, as shown in fig. 6, at this stage user is in 12306 website train ticket reimbursement of expense
When, the payment page can be entered after locking train ticket and is paid, the page is paid at present can allow user to select to make
Which paid with bank account, user also needs to be input into bank's card number, password, mobile phone identifying code after selection
It is not only loaded down with trivial details but also there is safety problem etc. information.Automatic payment software is installed on mobile phone terminal,
Interface is provided to 12306 websites, is allowed it to pay the page and is embedded in automatic payment options, user clicks on and props up automatically
Fu Hou, can start the automatic payment software of installation, and software requirement user insertion authentication means are above-mentioned
External device, and the i.e. above-mentioned fisrt feature information of biological characteristic is input into, it is verified rear software and reads peripheral hardware
User profile in device is above-mentioned second feature information, calls the interface that transaction payment platform is provided to obtain
User account information, will deduct according to above-mentioned related art scheme after success from corresponding bank account
Expense.
Above-mentioned technical proposal is illustrated below in conjunction with an example, when Alipay platform pays automatically,
User can allow user to select the means of payment after Taobao's purchase commodity generate order：Alipay, remaining sum
Treasured, bank card etc. pay, in mobile phone terminal automatic payment software installed above, there is provided interface to Taobao,
It is allowed to be embedded in automatic payment options, user is clicked on after paying automatically, can start the automatic payment software of installation,
Software requirement user insertion authentication means are above-mentioned external device, and are input into biological characteristic i.e. above-mentioned the
One characteristic information, the fisrt feature information is generally the biological informations such as fingerprint, voice, is verified
The user profile that afterwards software is read in external device is the second feature information, and after success Alipay is called
Personal Alipay or Yuebao accounts information interface that platform is provided, first deduct from Alipay and Yuebao,
If Taobao's account balance is not enough, the interface captures user bank account that Unionpay provides will be called to carry out propping up
Pay.
Above-mentioned technical proposal is illustrated below in conjunction with an example, is started when user needs to transfer accounts automatically
Automatic payment software, it is desirable to which user's insertion authentication means are above-mentioned external device, and user input is biological
Feature is the fisrt feature information, after generally comprising the biological informations such as fingerprint, voice, uses external device
In second feature information, the usually information such as name, ID card No. verifies above-mentioned fisrt feature letter
Breath, if authentication passes through, will automatically call the i.e. above-mentioned transaction payment of Unionpay or third-party platform to put down
Platform interface obtains accounts information, while the information interface of individual subscriber account can be ejected, if individual has many
Individual account, as long as selecting transfer account and receiving account, will be transferred accounts automatically after the input amount of money.
Alternatively, user can personalize the payment account of oneself.User starts automatic payment software,
User's insertion authentication means are required, user input biological characteristic is after the fisrt feature information, firmly
Part verifies identity, if authentication passes through, automatic software will call Unionpay or third-party platform interface
Personal account information is obtained, while the information interface of individual subscriber account can be ejected.At this moment user can select
Select the account of the first liquidation expenses are to be paid,as a matter of priority, you can to continue to sort to account priority, if the first account for selecting
Sorry, your ticket has not enough value at family, and software can automatically select second account and be paid.
In an optional example, above-mentioned external device can be the device being embedded in terminal, just as existing
The fingerprint identification function device that some mobile phones are carried in itself, can carry out authentication, due to being hand with it
The hardware capability that machine is carried, has fixed when dispatching from the factory, and the personal information of user is above-mentioned second feature information
Cannot typing, fingerprint recognition can only be carried out, cannot just automatically obtain the accounts information of user, need craft
Paid after input personal information, reached semi-automatic mobile payment.
In sum, the embodiment of the present invention solves user and carries out needing hand during delivery operation in terminal
The not convenience of information security sex chromosome mosaicism and manual selection payment platform is asked caused by work input personal information
Topic, and then reach the effect that is safe and fast completing payment in terminal.
Obviously, those skilled in the art should be understood that above-mentioned each module of the invention or each step can
To be realized with general computing device, they can be concentrated on single computing device, or distribution
On the network that multiple computing devices are constituted, alternatively, they can use the executable journey of computing device
Sequence code is realizing, it is thus possible to be stored in storage device being performed by computing device, and
And in some cases, shown or described step can be performed with the order being different from herein, or
They are fabricated to respectively each integrated circuit modules, or the multiple modules in them or step are made
Realize into single integrated circuit module.So, the present invention is not restricted to any specific hardware and software
With reference to.
The preferred embodiments of the present invention are the foregoing is only, the present invention is not limited to, for this
For the technical staff in field, the present invention can have various modifications and variations.It is all the present invention spirit and
Within principle, any modification, equivalent substitution and improvements made etc. should be included in the protection of the present invention
Within the scope of.
Claims (10)
1. a kind of method of payment, it is characterised in that include：
The fisrt feature information of terminal use's input is verified, wherein, the fisrt feature information is used
In terminal use described in unique mark；
After being verified, the terminal use is called in the accounts information of transaction payment platform；
Paid on transaction payment platform according to the accounts information.
2. method according to claim 1, it is characterised in that special to the first of terminal use's input
Reference ceases to be verified, including：
Obtain the fisrt feature information of user's currently input；
The fisrt feature information is verified according to the second feature information for prestoring, wherein,
When the fisrt feature information is with the second feature information matches, the fisrt feature Information Authentication passes through.
3. method according to claim 2, it is characterised in that obtain the first of user's currently input
Characteristic information, including：
The fisrt feature information is obtained by the external device of terminal.
4. method according to claim 1, it is characterised in that after being verified, calls described
Terminal use transaction payment platform accounts information, including：
After being verified, the personal information of the terminal use is read；
The accounts information is called according to the personal information.
5. the method according to any one of Claims 1-4, it is characterised in that in the transaction
Pay platform for it is multiple when, paid on transaction payment platform according to the accounts information, including：
Obtain the priority-level of the plurality of transaction payment platform；
Highest transaction payment platform in the priority-level is selected to be paid.
6. method according to claim 5, it is characterised in that obtain the plurality of transaction payment and put down
The priority-level of platform, including：
Obtain at least one of parameter information of terminal use described in the transaction payment platform：Account
Balance amount information, the liveness information of the terminal use；
The priority-level is obtained according to parameter information.
7. a kind of payment mechanism, it is characterised in that include：
Authentication module, the fisrt feature information for being input into terminal use verifies, wherein, it is described
Fisrt feature information is used for terminal use described in unique mark；
Calling module, for after being verified, calling the terminal use in the account of transaction payment platform
Family information；
Payment module, for being paid on transaction payment platform according to the accounts information.
8. a kind of payment system, it is characterised in that include：Terminal, the external device of the terminal, wherein,
The external device, for being input into terminal use for the first of the unique mark terminal use
Characteristic information is verified, and the result is sent to the terminal；
The terminal, for when the result shows that the fisrt feature Information Authentication passes through, adjusting
With the terminal use transaction payment platform accounts information, and then according to the accounts information transaction
Paid on payment platform.
9. system according to claim 8, it is characterised in that the external device, is additionally operable to obtain
Take the fisrt feature information of family currently input, and according to the second feature information for prestoring to described the
One characteristic information verified, wherein, in the fisrt feature information and the second feature information matches
When, the fisrt feature Information Authentication passes through.
10. system according to claim 8 or claim 9, it is characterised in that the terminal, also includes：
Interface, wherein, the external device is connected by the interface with the terminal.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510685291.7A CN106600276A (en) | 2015-10-20 | 2015-10-20 | Payment method, apparatus and system |
| PCT/CN2016/079059 WO2016188249A1 (en) | 2015-10-20 | 2016-04-12 | Payment method, device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510685291.7A CN106600276A (en) | 2015-10-20 | 2015-10-20 | Payment method, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106600276A true CN106600276A (en) | 2017-04-26 |
Family
ID=57392430
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510685291.7A Pending CN106600276A (en) | 2015-10-20 | 2015-10-20 | Payment method, apparatus and system |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN106600276A (en) |
| WO (1) | WO2016188249A1 (en) |
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| WO2019001363A1 (en) * | 2017-06-30 | 2019-01-03 | 阿里巴巴集团控股有限公司 | Brick and mortar store application system, and user information processing method and device |
| CN109727117A (en) * | 2018-09-07 | 2019-05-07 | 网联清算有限公司 | Excess reserve allots method, apparatus and storage medium |
| CN113450099A (en) * | 2021-07-14 | 2021-09-28 | 中国银行股份有限公司 | Foreign exchange hanging list transaction processing method, device and system based on alliance chain |
| CN113689211A (en) * | 2021-09-07 | 2021-11-23 | 中国银行股份有限公司 | Payment processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108647959B (en) * | 2018-03-30 | 2024-04-09 | 平安科技（深圳）有限公司 | Risk prompt method and device during online payment |
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| CN103577985A (en) * | 2012-07-26 | 2014-02-12 | 阿里巴巴集团控股有限公司 | Data channel selection method and data processing platform |
| US20150046328A1 (en) * | 2013-08-12 | 2015-02-12 | Manu Mitra | Secured point of sale transaction using fingerprint recognition |
| CN104599122A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Quick payment method, related equipment and related system |
| CN104901926A (en) * | 2014-03-06 | 2015-09-09 | 武汉元宝创意科技有限公司 | Voiceprint feature based remote authentication payment system and method |
| CN204667466U (en) * | 2015-03-27 | 2015-09-23 | 深圳大学 | Based on the payment system of fingerprint recognition |
-
2015
- 2015-10-20 CN CN201510685291.7A patent/CN106600276A/en active Pending
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2016
- 2016-04-12 WO PCT/CN2016/079059 patent/WO2016188249A1/en active Application Filing
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2019001363A1 (en) * | 2017-06-30 | 2019-01-03 | 阿里巴巴集团控股有限公司 | Brick and mortar store application system, and user information processing method and device |
| CN109727117A (en) * | 2018-09-07 | 2019-05-07 | 网联清算有限公司 | Excess reserve allots method, apparatus and storage medium |
| CN113450099A (en) * | 2021-07-14 | 2021-09-28 | 中国银行股份有限公司 | Foreign exchange hanging list transaction processing method, device and system based on alliance chain |
| CN113689211A (en) * | 2021-09-07 | 2021-11-23 | 中国银行股份有限公司 | Payment processing method and device |
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| Publication number | Publication date |
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| WO2016188249A1 (en) | 2016-12-01 |
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