CN106779722B - A kind of method of payment and mobile terminal of mobile terminal - Google Patents
A kind of method of payment and mobile terminal of mobile terminal Download PDFInfo
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- CN106779722B CN106779722B CN201611189887.9A CN201611189887A CN106779722B CN 106779722 B CN106779722 B CN 106779722B CN 201611189887 A CN201611189887 A CN 201611189887A CN 106779722 B CN106779722 B CN 106779722B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—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
Abstract
The invention discloses a kind of method of payment of mobile terminal and mobile terminal, method includes：Enter interface to be paid according to the order to be paid got；Interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selecting high in the clouds bill payment mode to be paid, collected first biological information of mobile terminal is identified；First biological information is matched with the reference biological information that mobile terminal is locally stored；If the first biological information fails with reference to biometric information matches, the first high in the clouds account to match with the first biological information is searched in account beyond the clouds；When the payment cipher of the payment cipher got and the first high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is paid.The present invention is paid by biometric information matches to high in the clouds account, while guaranteeing payment safety, is simplified the operating procedure paid across mobile terminal, is improved user experience.
Description
Technical field
The present invention relates to the methods of payment and mobile terminal of field of communication technology more particularly to a kind of mobile terminal.
Background technology
With the continuous development of electronic information technology, the miscellaneous intelligent terminal such as smart mobile phone, tablet computer
The requirement being increasingly becoming during we live.Thereupon, mobile payment as a kind of emerging means of payment gradually by people
Received, by the function of the living things feature recognition of intelligent terminal, the safety of mobile payment technology can be made to have more preferably
Guarantee, in the prior art can by scan the two-dimensional code or near-field communication (NFC, Near Field Communication) pay
Etc. modes carry out mobile payment function.But the limitation or user due to mobile terminal cruising ability leave behind, and are needing
When being paid the bill by the payment accounts of mobile terminal binding, need to log in oneself original account again using other mobile terminals
Number, intermediate operating procedure is excessively cumbersome, drastically influences user experience.
Invention content
An embodiment of the present invention provides a kind of method of payment of mobile terminal and mobile terminals, to solve in the prior art more
When changing mobile terminal and being paid, the excessively cumbersome problem of intermediate operation step.
In a first aspect, an embodiment of the present invention provides a kind of method of payment of mobile terminal, method of payment includes：
Enter interface to be paid according to the order to be paid got；Wherein, interface to be paid includes local account payment
Mode and high in the clouds bill payment mode；
When selecting high in the clouds bill payment mode to be paid, the collected first biological characteristic letter of identification mobile terminal
Breath；
First biological information is matched with the reference biological information that mobile terminal is locally stored；
If the first biological information fails with reference to biometric information matches, searched and first in account beyond the clouds
The first high in the clouds account that biological information matches；
When the payment cipher of the payment cipher got and the first high in the clouds account matches, pass through the first high in the clouds account pair
Order to be paid is paid.
Second aspect, the embodiment of the present invention additionally provide a kind of mobile terminal, including：
Starting module, for entering interface to be paid according to the order to be paid got；Wherein, interface to be paid includes
The local account means of payment and high in the clouds bill payment mode；
First identification module, for when selecting high in the clouds bill payment mode to be paid, identification mobile terminal to collect
The first biological information；
First matching module, the reference biological characteristic for the first biological information and mobile terminal to be locally stored are believed
Breath is matched；
First processing module is used for when the first biological information is with reference to biometric information matches failure, in cloud
The the first high in the clouds account to match with the first biological information is searched in the account of end；
First payment module, for when the payment cipher of the payment cipher got and the first high in the clouds account matches,
Pay invoice is treated by the first high in the clouds account to be paid.
In this way, the advantageous effect of the embodiment of the present invention is：High in the clouds bill payment and local account are provided at interface to be paid
Family pays two kinds of means of payment, and high in the clouds account branch may be selected when needing the mobile terminal by other users to pay by user
The mode of paying, and by identification and the selection of matching biological information progress high in the clouds account, lead to after account successful match beyond the clouds
It crosses and inputs corresponding payment cipher and paid, the operating procedure that payment account between multi-mobile-terminal is replaced is simplified, convenient for using
Family is replaced different mobile terminals and is paid, and due to the uniqueness of biological information, it is ensured that the safety of payment.
Description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the present invention
Example, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 shows the flow charts of the first embodiment of the method for payment of the present invention；
The display schematic diagram at interface to be paid in the method for payment of Fig. 2 expression present invention；
Fig. 3 indicates the flow chart of the second embodiment of the method for payment of the present invention；
Fig. 4 indicates the flow chart of the 3rd embodiment of the method for payment of the present invention；
Fig. 5 indicates the flow chart of the fourth embodiment of the method for payment of the present invention；
Fig. 6 indicates the flow chart of the 5th embodiment of the method for payment of the present invention；
Fig. 7 indicates the structural schematic diagram of the sixth embodiment of the mobile terminal of the present invention；
Fig. 8 shows the block diagrams of the 7th embodiment of mobile terminal of the present invention；
Fig. 9 indicates the block diagram of the 8th embodiment of mobile terminal of the present invention.
Specific implementation mode
Exemplary embodiment of the present invention is more fully described below with reference to accompanying drawings.Although showing the present invention in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the present invention without should be by embodiments set forth here
It is limited.It is to be able to be best understood from the present invention on the contrary, providing these embodiments, and can be by the scope of the present invention
Completely it is communicated to those skilled in the art.
First embodiment
As shown in Figure 1, the embodiment provides a kind of method of payment of mobile terminal, this method specifically include with
Lower step：
Step 101：Enter interface to be paid according to the order to be paid got.
Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode.When user needs to utilize
When mobile terminal is paid, after the information for getting order to be paid, into interface to be paid, as shown in Fig. 2, showing this
Ground bill payment mode and high in the clouds bill payment mode are selected for user, when user uses the mobile terminal of oneself
When, the local account means of payment can be used and paid；When user uses the mobile terminal of other users, cloud can be used
Hold bill payment mode.
Step 102：When selecting high in the clouds bill payment mode to be paid, collected first biology of identification mobile terminal
Characteristic information.
After determining that user selects high in the clouds bill payment mode to pay, obtains and identify mobile terminal collected the
One biological information, wherein biological information includes finger print information, retinal information, facial information or iris information.Know
Other collected first biological information of mobile terminal, can be by press mobile terminal fingerprint recognition button or other
The finger print information of fingerprint identification device acquisition, or retinal information, facial information or iris by camera acquisition user
Information.
Step 103：The reference biological information progress that first biological information and mobile terminal are locally stored
Match.
Wherein, the reference biological information that mobile terminal is locally stored refer to user it is pre-set for payment
Biological information or biological information for solving lock screen and payment.After identifying the first biological information, by
One biological information is matched with reference to biological information, whether to judge the corresponding user of the first biological information
It is the local user of mobile terminal.
Step 104：If the first biological information fails with reference to biometric information matches, looked into account beyond the clouds
Look for the first high in the clouds account to match with the first biological information.
If the first biological information fails with reference to biometric information matches, illustrate the first biological information pair
The user answered is not the local user of the mobile terminal, that is to say, that it is the mobile end for borrowing other users to ask the user of payment
End paid, at this moment need the first biological information being sent to high in the clouds, with searched whether in account beyond the clouds exist with
The high in the clouds account that first biological information matches, and the high in the clouds account of successful match is determined as the first high in the clouds account.
Step 105：When the payment cipher of the payment cipher got and the first high in the clouds account matches, pass through the first cloud
End account is treated pay invoice and is paid.
After matching obtains the first high in the clouds account, in order to further strengthen the safety of payment, user is needed to input first
Account corresponding payment cipher in high in the clouds is treated pay invoice by the first high in the clouds account and is carried out if password also successful match
Payment, otherwise payment failure.
The embodiment of the present invention provides high in the clouds bill payment at interface to be paid and local account pays two kinds of means of payment,
High in the clouds bill payment mode may be selected when needing the mobile terminal by other users to pay by user, and by identifying simultaneously
Matching biological information carries out the selection of high in the clouds account, beyond the clouds by inputting corresponding payment cipher after account successful match
It is paid, simplifies the operating procedure of payment account replacement between multi-mobile-terminal, different mobile terminals is replaced convenient for user
It is paid, and due to the uniqueness of biological information, it is ensured that the safety of payment.
Second embodiment
First embodiment above to the present invention method of payment carried out simple introduction, below the present embodiment will be in conjunction with attached drawing
It is described further with concrete application scene.
As shown in figure 3, the method for payment of the present invention includes the following steps：
Step 301：Enter interface to be paid according to the order to be paid got.
When user needs to pay using mobile terminal, after the information for getting order to be paid, entrance is to be paid
Work as user as shown in Fig. 2, showing the local account means of payment and high in the clouds bill payment mode is selected for user in interface
When using the mobile terminal of oneself, the local account means of payment can be used and paid；When user uses other use
When the mobile terminal at family, high in the clouds bill payment mode can be used.
Step 302：When selecting high in the clouds bill payment mode to be paid, collected first biology of identification mobile terminal
Characteristic information.
Wherein, biological information includes finger print information, retinal information, facial information or iris information.Identification movement
Collected first biological information of terminal can be that the fingerprint recognition button or other fingerprints by pressing mobile terminal are known
The finger print information of other device acquisition, or retinal information, facial information or iris information by camera acquisition user.
Step 303：The reference biological information progress that first biological information and mobile terminal are locally stored
Match.
Wherein, the pre-set biological characteristic for paying and/or unlocking of user is referred to reference to biological information
Information.After identifying the first biological information, the first biological information is matched with reference to biological information, with
Judge the corresponding user of the first biological information whether be mobile terminal local user.
Step 304：If the first biological information is looked into account beyond the clouds with reference to biometric information matches success
Look for the second high in the clouds account to match with the first biological information, and directly by the second high in the clouds account treat pay invoice into
Row payment.
Since the first biological information matches with the reference biological information being locally stored, then illustrate the first biology
User corresponding to characteristic information is local user, has higher safety, so there is no need to carry out secondary verification again, you can directly
Pay invoice is treated by matched second high in the clouds account to be paid.
In this way, high in the clouds bill payment mode may be selected when user needs payment, and further pass through matching biological
Whether what information carried out high in the clouds account selects and verifies user for local user or degree of belief high user, in this way can be in cloud
It is directly paid after the account successful match of end, simplifies the operating procedure of payment account replacement between multi-mobile-terminal, convenient for using
Family is replaced different mobile terminals and is paid, and due to the uniqueness of biological information, it is ensured that the safety of payment.
3rd embodiment
First embodiment above and second embodiment describe the method for payment of the present invention from different scenes respectively, below this
Embodiment will be described further explanation in conjunction with attached drawing and another application scene to it.
As shown in figure 4, the method for payment of the embodiment of the present invention includes the following steps：
Step 401：Enter interface to be paid according to the order to be paid got.
Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode.
Step 402：When selecting the local account means of payment to be paid, collected second biology of identification mobile terminal
Characteristic information.
Wherein, the second biological information includes finger print information, retinal information, facial information or iris information.
Step 403：Second biological information is matched with reference to biological information.
Due to the uniqueness of biological information, pass through the matching of the second biological information and reference biological information
User is verified, the safety of payment can be reinforced.
Step 404：If the second biological information directly passes through local account with reference to biometric information matches success
It treats pay invoice and is paid in family.
When the second biological information with reference to biometric information matches success, then illustrate the user be local user or
Degree of belief high user directly can treat pay invoice with local account and be paid, to simplify payment step.
Fourth embodiment
The present embodiment will combine another application scenarios to be described further the method for payment of the present invention below.
As shown in figure 5, the method for payment of the present invention includes：
Step 501：Enter interface to be paid according to the order to be paid got.
Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode.
Step 502：When selecting high in the clouds bill payment mode to be paid, collected first biology of identification mobile terminal
Characteristic information.
Wherein, the first biological information includes finger print information, retinal information, facial information or iris information.
Step 503：The reference biological information progress that first biological information and mobile terminal are locally stored
Match.
After identifying the first biological information, by the first biological information and reference biological information progress
Match, with judge the corresponding user of the first biological information whether be mobile terminal local user.
Step 504：If the first biological information fails with reference to biometric information matches, by the first biological characteristic
Information is sent to cloud server.
So that cloud server is searched and feeds back the high in the clouds account to match with the first biological information.
Step 505：When getting the high in the clouds account to match with the first biological information and having multiple, determination is selected
High in the clouds account be the first high in the clouds account.
If that is server side is matched to multiple high in the clouds accounts to match with the first biological information beyond the clouds
When, need user to select the account that user pays as the first high in the clouds account.
Step 506：When the payment cipher of the payment cipher got and the first high in the clouds account matches, pass through the first cloud
End account is treated pay invoice and is paid.
After matching obtains the first high in the clouds account, in order to further strengthen the safety of payment, user is needed to input first
The corresponding payment cipher of high in the clouds account.
In this way, providing high in the clouds bill payment and local account two kinds of means of payment of payment at interface to be paid, user is needing
When being paid by the mobile terminal of other users, high in the clouds bill payment mode may be selected, and by identifying and matching life
Object characteristic information carries out the selection of high in the clouds account, is propped up after account successful match by inputting corresponding payment cipher beyond the clouds
It pays, simplifies the operating procedure of payment account replacement between multi-mobile-terminal, replace different mobile terminals convenient for user and prop up
It pays, and due to the uniqueness of biological information, it is ensured that the safety of payment.
5th embodiment
Above example respectively from different application scenarios to the present invention method of payment be described, below the present embodiment
Its detailed embodiment will be described further in conjunction with multiple scenes.
As shown in fig. 6, the method for payment of the embodiment of the present invention includes the following steps：
Step 601：High in the clouds account for high in the clouds payment is set.The data system of high in the clouds account is set, including：
Store bank's card number information, biological information and the two mapping relations of user.By taking finger print information as an example, fingerprint branch is set
Pay system, establish a set of fingerprint information data library, the bank account card number and corresponding finger print information that holder is held into
Row binding, and will be in this information storage to finger print information server.
Step 602：Enter interface to be paid according to the order to be paid got.In payment, it is introduced into boundary to be paid
Face, the interface display to be paid have the amount of money and bank account information to be paid, wherein it is defaulted as local payment account information,
Bank's card number information that i.e. this mobile terminal was once set.
Step 603：Detect whether the switching command for being switched to high in the clouds bill payment mode.If it is not, thening follow the steps
604, if so, thening follow the steps 606.I.e. user can select the local account means of payment of acquiescence in interface to be paid, also
High in the clouds bill payment mode can be selected to be paid.
Step 604：The biological information of user is obtained, and detects whether to match with local biological information.If
Matching, thens follow the steps 605, otherwise prompt payment failure.By taking finger print information as an example, when user selects the local account branch of acquiescence
When the mode of paying, after clicking fingerprint payment, the finger print information of system of fingerprints identification input whether with local preset fingerprint
Information match.
Step 605：It is paid by local account.I.e. when it is the machine fingerprint to determine the finger print information of input, immediately
It is sent to bank's processing system and completes payment.Wherein, local account card number and finger print information whether be transferred to cloud server can
To be set in their own needs, if being transferred to the fingerprint storage server of cloud server, will be convenient in other movements
Device end carries out fingerprint payment transaction.
Step 606：The biological information of input is obtained, and detects whether to match with local biological information.If
It is to then follow the steps 607, thens follow the steps 608 if not.I.e. when being paid using high in the clouds account, need once to be stored in
Biological information (either oneself, can also be other users) pressing of cloud server is adopted mobile terminal
On acquisition means.
Step 607：By the biological information be sent to cloud server go forward side by side rack end account matching, account match
After success and payment confirming information, paid by corresponding high in the clouds account.If it fails to match, payment is prompted to fail.To refer to
For line information, if it is determined that when the fingerprint of input is the machine pre-set fingerprint, finger is transferred to by Fingerprint Processing Module
Line information server, finger print information storage server goes out the identity information of disburser according to the fingerprint recognition received, according to branch
Its corresponding bank card in person's information matches is paid, the corresponding high in the clouds account information got from cloud server is shown in and waits for
Payment amount is inputted in payment interface and for user, since the finger print information and local finger print information match, then illustrates the use
Family is local user or degree of belief high user, may not need input password, is immediately transmitted to bank's processing system and completes payment.
Step 608：By the biological information be sent to cloud server go forward side by side rack end account matching, account match
After success and payment confirming information, inputs the payment cipher of corresponding high in the clouds account and paid.If it fails to match, prompt to prop up
Pay failure.When being mismatched with local biological information due to the biological information of input, it is local user to illustrate user not
And degree of belief is relatively low, it is therefore desirable to which the payment cipher of the corresponding high in the clouds account of input is paid.
To sum up, method of payment of the invention can support the local account means of payment, also support high in the clouds bill payment mode,
The means of payment is more flexible, and passes through biometric information matches to corresponding high in the clouds account when use high in the clouds bill payment mode
Information ensure that payment safety, and payment step is convenient, effectively increase the payment experience of user.
Sixth embodiment
First embodiment above to the 5th embodiment describes the method for payment under different scenes in detail respectively, below will knot
Fig. 7 is closed to be described further corresponding mobile terminal.
Mobile terminal provided in an embodiment of the present invention, specifically includes：
Starting module 710, for entering interface to be paid according to the order to be paid got；Wherein, interface to be paid
Including the local account means of payment and high in the clouds bill payment mode；
First identification module 720, for when selecting high in the clouds bill payment mode to be paid, identification mobile terminal to acquire
The first biological information arrived；
First matching module 730, the reference biology for the first biological information and mobile terminal to be locally stored are special
Reference breath is matched；
First processing module 740 is used for when the first biological information is with reference to biometric information matches failure,
The the first high in the clouds account to match with the first biological information is searched in the account of high in the clouds；
First payment module 750, for matching when the payment cipher and the payment cipher of the first high in the clouds account that get
When, pay invoice is treated by the first high in the clouds account and is paid.
Wherein, which further includes：
Second processing module is used for when the first biological information is with reference to biometric information matches success, in cloud
The the second high in the clouds account to match with the first biological information is searched in the account of end, and is directly treated by the second high in the clouds account
Pay invoice is paid.
Wherein, which further includes：
Second identification module, for when selecting the local account means of payment to be paid, identification mobile terminal to collect
The second biological information；
Second matching module, for matching the second biological information with reference to biological information；
Second payment module is used for when the second biological information is with reference to biometric information matches success, directly
Pay invoice is treated by local account to be paid.
Wherein, which further includes：
Transmission unit, for the first biological information to be sent to cloud server, so that cloud server is searched simultaneously
The high in the clouds account that feedback matches with the first biological information；
Determination unit, for when getting the high in the clouds account to match with the first biological information and having multiple, determining
Selected high in the clouds account is the first high in the clouds account.
Wherein, biological information includes at least：Finger print information, retinal information, facial information or iris information.
It is worth noting that the mobile terminal of the embodiment of the present invention is mobile terminal corresponding with above-mentioned method of payment, on
The technique effect of the embodiment and realization of stating method is suitable for the embodiment of the mobile terminal.Wherein, the mobile terminal
High in the clouds bill payment is provided at interface to be paid and local account pays two kinds of means of payment, and user is needing to pass through other users
Mobile terminal may be selected high in the clouds bill payment mode when being paid, and by identification and matching biological information into racking
The selection of account is held, is paid after account successful match by inputting corresponding payment cipher beyond the clouds, is simplified and move more
The operating procedure that terminal room payment account is replaced, replaces different mobile terminals convenient for user and pays, and due to biological special
The uniqueness of reference breath, it is ensured that the safety of payment.
7th embodiment
Fig. 8 is the block diagram of the mobile terminal 800 of another embodiment of the present invention, and mobile terminal as shown in Figure 8 includes：Extremely
A few processor 801, memory 802 and user interface 803.Various components in mobile terminal 800 pass through bus system 804
It is coupled.It is understood that bus system 804 is for realizing the connection communication between these components.Bus system 804 is removed
Further include power bus, controlling bus and status signal bus in addition except data/address bus.But for the sake of clear explanation, in Fig. 8
It is middle that various buses are all designated as bus system 804.
Wherein, user interface 803 may include display either pointing device (such as touch-sensitive plate or touch screen etc..
It is appreciated that the memory 802 in the embodiment of the present invention can be volatile memory or nonvolatile memory,
Both or may include volatile and non-volatile memory.Wherein, nonvolatile memory can be read-only memory (Read-
Only Memory, ROM), programmable read only memory (Programmable ROM, PROM), the read-only storage of erasable programmable
Device (Erasable PROM, EPROM), electrically erasable programmable read-only memory (Electrically EPROM, EEPROM) or
Flash memory.Volatile memory can be random access memory (Random Access Memory, RAM), be used as external high
Speed caching.By exemplary but be not restricted explanation, the RAM of many forms is available, such as static RAM
(Static RAM, SRAM), dynamic random access memory (Dynamic RAM, DRAM), Synchronous Dynamic Random Access Memory
(Synchronous DRAM, SDRAM), double data speed synchronous dynamic RAM (Double Data Rate
SDRAM, DDRSDRAM), enhanced Synchronous Dynamic Random Access Memory (Enhanced SDRAM, ESDRAM), synchronized links
Dynamic random access memory (Synchlink DRAM, SLDRAM) and direct rambus random access memory (Direct
Rambus RAM, DRRAM).The memory 802 of system and method described herein be intended to including but not limited to these and it is arbitrary its
It is suitble to the memory of type.
In some embodiments, memory 802 stores following element, executable modules or data structures, or
Their subset of person or their superset：Operating system 8021 and application program 8022.
Wherein, operating system 8021, including various system programs, such as ccf layer, core library layer, driving layer etc., are used for
Realize various basic businesses and the hardware based task of processing.Application program 8022, including various application programs, such as media
Player (Media Player), browser (Browser) etc., for realizing various applied business.Realize the embodiment of the present invention
The program of method may be embodied in application program 8022.
In an embodiment of the present invention, specifically can answer by the program or instruction of calling memory 802 to store
With the program or instruction stored in program 8022.Wherein, processor 801 is used to be entered according to the order to be paid got and waits propping up
Pay interface；Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selection high in the clouds account branch
When the mode of paying is paid, collected first biological information of mobile terminal is identified；By the first biological information and shifting
The reference biological information of dynamic terminal local storage is matched；If the first biological information with refer to biological information
It fails to match, then searches the first high in the clouds account to match with the first biological information in account beyond the clouds；When what is got
When payment cipher and the payment cipher of the first high in the clouds account match, pay invoice is treated by the first high in the clouds account and is propped up
It pays.
The method that the embodiments of the present invention disclose can be applied in processor 801, or be realized by processor 801.
Processor 801 may be a kind of IC chip, the processing capacity with signal.During realization, the above method it is each
Step can be completed by the integrated logic circuit of the hardware in processor 801 or the instruction of software form.Above-mentioned processing
Device 801 can be general processor, digital signal processor (Digital Signal Processor, DSP), special integrated electricity
Road (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components.It may be implemented or execute disclosed each method, step and the logic diagram in the embodiment of the present invention.It is general
Processor can be microprocessor or the processor can also be any conventional processor etc..In conjunction with institute of the embodiment of the present invention
The step of disclosed method, can be embodied directly in hardware decoding processor and execute completion, or with the hardware in decoding processor
And software module combination executes completion.Software module can be located at random access memory, and flash memory, read-only memory may be programmed read-only
In the storage medium of this fields such as memory or electrically erasable programmable memory, register maturation.The storage medium is located at
The step of memory 802, processor 801 reads the information in memory 802, the above method is completed in conjunction with its hardware.
It is understood that embodiments described herein can use hardware, software, firmware, middleware, microcode or its
It combines to realize.For hardware realization, processing unit may be implemented in one or more application-specific integrated circuit (Application
Specific Integrated Circuits, ASIC), digital signal processor (Digital Signal Processing,
DSP), digital signal processing appts (DSP Device, DSPD), programmable logic device (Programmable Logic
Device, PLD), field programmable gate array (Field-Programmable Gate Array, FPGA), general processor,
In controller, microcontroller, microprocessor, other electronic units for executing herein described function or combinations thereof.
For software implementations, it can be realized herein by executing the module (such as process, function etc.) of function described herein
The technology.Software code is storable in memory and is executed by processor.Memory can in the processor or
It is realized outside processor.
Specifically, processor 801 is additionally operable to：If the first biological information and reference biometric information matches success,
The the second high in the clouds account to match with the first biological information is then searched in account beyond the clouds, and directly passes through the second high in the clouds account
It treats pay invoice and is paid in family.
Specifically, processor 801 is additionally operable to：When selecting the local account means of payment to be paid, mobile terminal is identified
Collected second biological information；Second biological information is matched with reference to biological information；If second
Biological information is then directly treated pay invoice by local account and is propped up with reference to biometric information matches success
It pays.
Specifically, processor 801 is additionally operable to：First biological information is sent to cloud server, so that high in the clouds takes
Business device is searched and feeds back the high in the clouds account to match with the first biological information；When getting and the first biological information phase
When matched high in the clouds account has multiple, determine that selected high in the clouds account is the first high in the clouds account.
Further, biological information includes at least：Finger print information, retinal information, facial information or iris information.
The mobile terminal 800 of the embodiment of the present invention enters interface to be paid according to the order to be paid got；Wherein,
Interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selection high in the clouds bill payment mode is propped up
Fu Shi identifies collected first biological information of mobile terminal；First biological information is locally deposited with mobile terminal
The reference biological information of storage is matched；If the first biological information fails with reference to biometric information matches,
The the first high in the clouds account to match with the first biological information is searched in account beyond the clouds；When the payment cipher got and
When the payment cipher of one high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is paid.
8th embodiment
Fig. 9 is the structural schematic diagram of the mobile terminal of another embodiment of the present invention.Specifically, the mobile terminal in Fig. 9
900 can be mobile phone, tablet computer, personal digital assistant (Personal Digital Assistant, PDA) or vehicle mounted electric
Brain etc..
Mobile terminal 900 in Fig. 9 includes power supply 910, memory 920, input unit 930, display unit 940, processing
Device 950, WIFI (Wireless Fidelity) module 960, voicefrequency circuit 970 and RF circuits 980.
Wherein, input unit 930 can be used for receiving information input by user, and generate the user with mobile terminal 900
Setting and the related signal input of function control.Specifically, in the embodiment of the present invention, which may include touching
Control panel 931.Touch panel 931, also referred to as touch screen collect user on it or neighbouring touch operation (such as user
Use the operation of any suitable object or attachment such as finger, stylus on touch panel 931), and according to preset journey
Formula drives corresponding attachment device.Optionally, touch panel 931 may include two portions of touch detecting apparatus and touch controller
Point.Wherein, the touch orientation of touch detecting apparatus detection user, and the signal that touch operation is brought is detected, it transmits a signal to
Touch controller；Touch controller receives touch information from touch detecting apparatus, and is converted into contact coordinate, then gives
The processor 950, and order that processor 950 is sent can be received and executed.Furthermore, it is possible to using resistance-type, condenser type,
The multiple types such as infrared ray and surface acoustic wave realize touch panel 931.In addition to touch panel 931, input unit 930 can be with
Including other input equipments 932, other input equipments 932 can include but is not limited to physical keyboard, function key (such as volume control
Button processed, switch key etc.), it is trace ball, mouse, one or more in operating lever etc..
Wherein, display unit 940 can be used for showing information input by user or be supplied to information and the movement of user
The various menu interfaces of terminal.Display unit 940 may include display panel 941, optionally, LCD or organic light emission may be used
The forms such as diode (Organic Light-Emitting Diode, OLED) configure display panel 941.
It should be noted that touch panel 931 can cover display panel 941, touch display screen is formed, when the touch display screen is examined
It measures and sends processor 950 on it or after neighbouring touch operation to determine the type of touch event, be followed by subsequent processing device
950 provide corresponding visual output according to the type of touch event in touch display screen.
Touch display screen includes Application Program Interface viewing area and common control viewing area.The Application Program Interface viewing area
And arrangement mode of the common control viewing area does not limit, can be arranged above and below, left-right situs etc. can distinguish two it is aobvious
Show the arrangement mode in area.The Application Program Interface viewing area is displayed for the interface of application program.Each interface can be with
Including the interface elements such as icon and/or widget desktop controls of at least one application program.The Application Program Interface viewing area
Or the empty interface not comprising any content.This commonly uses control viewing area for showing the higher control of utilization rate, for example,
Application icons such as button, interface number, scroll bar, phone directory icon etc. are set.
Wherein processor 950 is the control centre of mobile terminal, utilizes each of various interfaces and connection whole mobile phone
A part by running or execute the software program and/or module that are stored in first memory 921, and is called and is stored in
Data in second memory 922 execute the various functions and processing data of mobile terminal, whole to be carried out to mobile terminal
Monitoring.Optionally, processor 950 may include one or more processing units.
In embodiments of the present invention, by calling store the first memory 921 in software program and/or module and/
To the data in second memory 922, interface to be paid is entered according to the order to be paid got；Wherein, interface to be paid
Including the local account means of payment and high in the clouds bill payment mode；When selecting high in the clouds bill payment mode to be paid, identification
Collected first biological information of mobile terminal；The reference that first biological information and mobile terminal are locally stored is given birth to
Object characteristic information is matched；If the first biological information fails with reference to biometric information matches, beyond the clouds account
The first high in the clouds account that middle lookup matches with the first biological information；When the payment cipher got and the first high in the clouds account
Payment cipher when matching, pay invoice is treated by the first high in the clouds account and is paid.
Specifically, processor 950 is additionally operable to：If the first biological information and reference biometric information matches success,
The the second high in the clouds account to match with the first biological information is then searched in account beyond the clouds, and directly passes through the second high in the clouds account
It treats pay invoice and is paid in family.
Specifically, processor 950 is additionally operable to：When the selection local account means of payment is paid, identification mobile terminal is adopted
The second biological information collected；Second biological information is matched with reference to biological information；If the second life
Object characteristic information is then directly treated pay invoice by local account and is paid with reference to biometric information matches success.
Further, processor 950 is additionally operable to：First biological information is sent to cloud server, so that high in the clouds
Whois lookup simultaneously feeds back the high in the clouds account to match with the first biological information；When getting and the first biological information
When the high in the clouds account to match has multiple, determine that selected high in the clouds account is the first high in the clouds account.
Wherein, biological information includes at least：Finger print information, retinal information, facial information or iris information.
The mobile terminal 900 of the embodiment of the present invention enters interface to be paid according to the order to be paid got；Wherein,
Interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selection high in the clouds bill payment mode is propped up
Fu Shi identifies collected first biological information of mobile terminal；First biological information is locally deposited with mobile terminal
The reference biological information of storage is matched；If the first biological information fails with reference to biometric information matches,
The the first high in the clouds account to match with the first biological information is searched in account beyond the clouds；When the payment cipher got and
When the payment cipher of one high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is paid.
Those of ordinary skill in the art may realize that lists described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, depends on the specific application and design constraint of technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
The scope of the present invention.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In embodiment provided herein, it should be understood that disclosed device and method can pass through others
Mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the unit, only
A kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component can combine or
Person is desirably integrated into another system, or some features can be ignored or not executed.Another point, shown or discussed is mutual
Between coupling, direct-coupling or communication connection can be INDIRECT COUPLING or communication link by some interfaces, device or unit
It connects, can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.
It, can be with if the function is realized in the form of SFU software functional unit and when sold or used as an independent product
It is stored in a computer read/write memory medium.Based on this understanding, technical scheme of the present invention is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be expressed in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be
People's computer, server or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes：USB flash disk, mobile hard disk, ROM, RAM, magnetic disc or CD etc. are various can to store program code
Medium.
Above-described is the preferred embodiment of the present invention, it should be pointed out that the ordinary person of the art is come
It says, can also make several improvements and retouch under the premise of not departing from principle of the present invention, these improvements and modifications also exist
In protection scope of the present invention.
Claims (8)
1. a kind of method of payment of mobile terminal, which is characterized in that the method for payment includes：
Enter interface to be paid according to the order to be paid got；Wherein, the interface to be paid includes local account payment
Mode and high in the clouds bill payment mode；
When selecting high in the clouds bill payment mode to be paid, collected first biological information of mobile terminal is identified；
First biological information is matched with the reference biological information that the mobile terminal is locally stored；
If first biological information with it is described with reference to biometric information matches fail, beyond the clouds in account search with
The first high in the clouds account that first biological information matches；When the payment cipher got and first high in the clouds account
Payment cipher when matching, the order to be paid is paid by first high in the clouds account；
If first biological information with it is described with reference to biometric information matches success, beyond the clouds in account search with
The second high in the clouds account that first biological information matches, and directly wait propping up to described by second high in the clouds account
Order is paid to be paid.
2. the method for payment of mobile terminal according to claim 1, which is characterized in that the method for payment further includes：
When selecting the local account means of payment to be paid, the collected second biological characteristic letter of the mobile terminal is identified
Breath；
Second biological information is matched with described with reference to biological information；
If second biological information, with reference to biometric information matches success, directly passes through local account pair with described
The order to be paid is paid.
3. the method for payment of mobile terminal according to claim 1, which is characterized in that in the account beyond the clouds search with
The step of the first high in the clouds account that first biological information matches includes：
First biological information is sent to cloud server so that the cloud server search and feed back with it is described
The high in the clouds account that first biological information matches；
When getting the high in the clouds account to match with first biological information and having multiple, selected high in the clouds account is determined
Family is the first high in the clouds account.
4. the method for payment of mobile terminal according to claim 1, which is characterized in that the biological information at least wraps
It includes：Finger print information, retinal information, facial information or iris information.
5. a kind of mobile terminal, which is characterized in that including：
Starting module, for entering interface to be paid according to the order to be paid got；Wherein, the interface to be paid includes
The local account means of payment and high in the clouds bill payment mode；
First identification module, for when selecting high in the clouds bill payment mode to be paid, identification mobile terminal collected the
One biological information；
First matching module, the reference biology for first biological information and the mobile terminal to be locally stored are special
Reference breath is matched；
First processing module is used for when first biological information is with the failure with reference to biometric information matches,
The the first high in the clouds account to match with first biological information is searched in account beyond the clouds；
First payment module, for when the payment cipher that gets and the payment cipher of first high in the clouds account match,
The order to be paid is paid by first high in the clouds account；
Second processing module is used for when first biological information is with the success with reference to biometric information matches,
The the second high in the clouds account to match with first biological information is searched in account beyond the clouds, and directly passes through described second
High in the clouds account pays the order to be paid.
6. mobile terminal according to claim 5, which is characterized in that further include：
Second identification module, for when selecting the local account means of payment to be paid, identifying that the mobile terminal collects
The second biological information；
Second matching module, for matching second biological information with reference to biological information with described；
Second payment module is used for when second biological information is with the success with reference to biometric information matches,
Directly the order to be paid is paid by local account.
7. mobile terminal according to claim 5, which is characterized in that first processing module includes：
Transmission unit, for first biological information to be sent to cloud server, so that the cloud server is looked into
It looks for and feeds back the high in the clouds account to match with first biological information；
Determination unit, for when getting the high in the clouds account to match with first biological information and having multiple, determining
Selected high in the clouds account is the first high in the clouds account.
8. mobile terminal according to claim 5, which is characterized in that the biological information includes at least：Fingerprint is believed
Breath, retinal information, facial information or iris information.
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| CN201611189887.9A CN106779722B (en) | 2016-12-21 | 2016-12-21 | A kind of method of payment and mobile terminal of mobile terminal |
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| CN106779722B true CN106779722B (en) | 2018-09-04 |
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Families Citing this family (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107301543A (en) * | 2017-06-29 | 2017-10-27 | 维沃移动通信有限公司 | A kind of method of mobile payment and mobile terminal |
| CN107423979B (en) * | 2017-06-30 | 2020-11-13 | 珠海市魅族科技有限公司 | Payment method and device, computer device and readable storage medium |
| CN108347490A (en) * | 2018-04-25 | 2018-07-31 | 衢州龙瀚计算机科技有限公司 | A kind of campus application apparatus and system based on biological identification technology |
| CN110135250A (en) * | 2019-04-08 | 2019-08-16 | 一脉通(深圳)智能科技有限公司 | A kind of auth method based on bio-identification, device, equipment and readable medium |
| CN110096996B (en) * | 2019-04-28 | 2021-10-22 | 达闼机器人有限公司 | Biological information identification method, device, terminal, system and storage medium |
| CN110175834B (en) * | 2019-05-21 | 2019-12-13 | 刘馨然 | Special electronic payment device for minor |
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| CN103606082A (en) * | 2013-11-15 | 2014-02-26 | 四川长虹电器股份有限公司 | A television payment system based on fingerprint identification and a method |
| KR20140103019A (en) * | 2013-02-15 | 2014-08-25 | 류창화 | Payment method based on safety payment code and safe payment agency server for the same method |
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| KR20140103019A (en) * | 2013-02-15 | 2014-08-25 | 류창화 | Payment method based on safety payment code and safe payment agency server for the same method |
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