CN107220830A - Method of payment, device, storage medium and computer equipment - Google Patents
Method of payment, device, storage medium and computer equipment Download PDFInfo
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- CN107220830A CN107220830A CN201710318572.8A CN201710318572A CN107220830A CN 107220830 A CN107220830 A CN 107220830A CN 201710318572 A CN201710318572 A CN 201710318572A CN 107220830 A CN107220830 A CN 107220830A
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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
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Abstract
The present invention relates to a kind of method of payment, device, storage medium and computer equipment, wherein method includes:Obtain and pay request, paying request includes user's characteristic information, sequence information and temporal information that request is paid;Judge to pay according to sequence information and temporal information and whether effective ask;If it is determined that paying request effectively, then judge whether user's characteristic information matches with log-on message;If matching, is paid according to corresponding user account in the log-on message of matching, and returns to the successful message of payment.By carrying user's characteristic information in request is paid, so as to according to the user's characteristic information and the corresponding relation of user account information that pre-establish, be paid by user account corresponding with user's characteristic information, so as to complete pay corresponding with paying request.Because it uses user's characteristic information as the identification information for paying association, therefore, with higher security.
Description
Technical field
The present invention relates to mobile payment technical field, more particularly to a kind of method of payment, device, storage medium and calculating
Machine equipment.
Background technology
In the transaction payment mode of early stage, generally paid using currency or by the way of swiping the card, so as to need user
The transaction card of currency or certain amount of money that is stored with is carried with, therefore, currency or transaction that user carries with is frequently resulted in
Card is lost or stolen, so that user is by property loss;And then can not when user leaves behind currency or transaction card
It is traded, so that producing inconvenience.
With the progress and the fast development of internet of science and technology so that transaction payment mode becomes diversification, mesh
Preceding frequency of use it is higher have the barcode scannings such as network Alipay, wechat pay and based on the short distance wireless communication technology
Apple pay (apple payment), Sam sung Pay (three prongs of (Near Field Communication, abbreviation NFC)
Pay) etc., these transaction payment modes all carry cash and transaction card without user so that the life of people more facilitates.So
And, these means of payment while band gives people to facilitate there is also it is certain the drawbacks of, such as no matter paid using barcode scanning or
NFC, which is paid, is required for user to carry the user terminal for possessing corresponding function, and the user terminal needs to have connection internet
Ability, can produce certain data traffic, so as to increase user cost when paying;And when user terminal not at one's side or user
When terminal can not connect network or poor network signal, then it can not complete to pay;In addition, if user terminal is stolen, also exist
User's finance data is stolen, the risk of the stolen brush of fund.
The content of the invention
Based on this, it is necessary to for current payment cost it is high, it is dangerous the problems such as there is provided a kind of method of payment, device, deposit
Storage media and computer equipment.
A kind of method of payment, including:
Obtain and pay request, paying request includes user's characteristic information, sequence information and time letter that request is paid
Breath;
Judge to pay according to sequence information and temporal information and whether effective ask;
If it is determined that paying request effectively, then judge whether user's characteristic information matches with log-on message;
If matching, is paid according to corresponding user account in the log-on message of matching, and it is successful to return to payment
Message.
In one of the embodiments, also include before payment request is obtained:
Registration request is obtained, registration request includes the user identity information and user's characteristic information of request registration;
User account information corresponding with user identity information is obtained according to user identity information;
The corresponding relation of corresponding with the user identity information user's characteristic information and user account information is set up, and is deposited
Store up as log-on message.
In one of the embodiments, corresponding with user identity information user's characteristic information and user account information are set up
Corresponding relation, and be stored as log-on message, including:
User characteristics letter corresponding with user identity information is set up using the method for inverted index according to user identity information
The corresponding relation of breath and user account information.
In one of the embodiments, judge to pay according to sequence information and temporal information and whether effective ask, including:
Determine to pay request whether within default effective time according to temporal information;
If it is determined that paying request within default effective time, then judged to pay whether request is repetition according to sequence information
Payment request;
If it is not the payment request repeated to pay request, it is determined that pay request effective.
In one of the embodiments, judge whether user's characteristic information matches with log-on message, including:
If there is information corresponding with user's characteristic information in log-on message, it is determined that user's characteristic information and log-on message
Match, otherwise determine that user's characteristic information is mismatched with log-on message.
In one of the embodiments, user's characteristic information includes any at least one in finger print information and iris information
Kind.
A kind of payment mechanism, including:
Acquisition module, for obtain pay request, pay request include payment user's characteristic information, sequence information with
And temporal information;
Whether effective judge module, ask for judging to pay according to sequence information and temporal information;
Matching module, if judge module determines to pay request effective, judge user's characteristic information whether with log-on message
Match;
Payment module, if matching module determines that user's characteristic information is matched with log-on message, believes according to the registration of matching
Corresponding user account is paid in breath,
Sending module, successful message is paid for being returned to user terminal.
In one of the embodiments, in addition to Registering modules,
Then acquisition module is additionally operable to, and obtains registration request, and registration request includes user identity information and user characteristics letter
Breath;
User account information corresponding with user identity information is obtained according to user identity information;
Registering modules are then used for, and set up pair of corresponding with user identity information user's characteristic information and user account information
It should be related to, and be stored as log-on message.
A kind of computer-readable recording medium, is stored thereon with computer program, and the computer program is executed by processor
The step of Shi Shixian methods as described above.
A kind of computer equipment, including memory, processor and storing can be run on a memory and on a processor
Computer program, the step of realizing method as described above during computing device described program.
Above-mentioned method of payment, device, storage medium and computer equipment, are believed by carrying user characteristics in request is paid
Breath so that according to the user's characteristic information and the corresponding relation of user account information that pre-establish, by with user's characteristic information
Corresponding user account is paid, so as to complete pay corresponding with paying request.Because it uses user's characteristic information to make
To pay the identification information of association, therefore, with higher security.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of method of payment in one embodiment;
Fig. 2 is the schematic flow sheet of method of payment in one embodiment;
Fig. 3 be one embodiment in judge pay ask whether effective schematic flow sheet;
Fig. 4 is the schematic flow sheet of method of payment in one embodiment;
Fig. 5 is the structural representation of payment mechanism in one embodiment;
Fig. 6 is the structural representation of payment mechanism in one embodiment.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
A part of embodiment of the present invention, rather than whole embodiments.
The embodiments of the invention provide a kind of method of payment, it can apply to paying server end, and Fig. 1 is an implementation
The schematic flow sheet of method of payment in example, as shown in figure 1, the method for payment may include steps of:
Step S101, obtains and pays request, and payment request includes user's characteristic information, the sequence information that request is paid
And temporal information;
In the present embodiment, paying server can obtain the payment request that user needs to send when being paid, wherein,
User's characteristic information, sequence information and temporal information that request is paid can be included by paying in request.Specifically, user characteristics
Information can be finger print information or iris information of user etc., and sequence information can then include trading order form number, dealing money etc.
Information, temporal information is then the specific time that user's request is paid.
Step S102, judges to pay and whether effective asks according to sequence information and temporal information;
Whether before the deadline the specific time that paying server is paid according to request determine payment request, if it is determined that
The payment asks before the deadline, then further to test to trading order form number, whether judge it is repeat business, if not
Repeat business then shows that payment request is effective, if it is determined that pays request and does not carry out before the deadline or to the trading order form number
Judge that it shows that payment request is invalid for repeat business, then after inspection.
Step S103, however, it is determined that pay request effectively, then judge whether user's characteristic information matches with log-on message;
If determining that payment request is effective by above-mentioned steps, paying server can also be according to user's characteristic information
Judge whether it matches with log-on message.Specifically, being by user fingerprints information of user's characteristic information in the present embodiment
Example is illustrated, if there is corresponding user fingerprints information in log-on message, judges user's characteristic information and log-on message
Match, otherwise judge that user's characteristic information is mismatched with log-on message.
Step S104, if matching, is paid, and return to branch according to corresponding user account in the log-on message of matching
Pay successful message.
In the present embodiment, the corresponding relation for user's characteristic information and the user account information of being stored with log-on message, because
This, if it is decided that user's characteristic information matches with log-on message, then paying server can also be according to the log-on message of matching
In corresponding user account paid so that complete it is corresponding with paying request pay, and return and pay successful message.
The embodiment of the present invention in request is paid by carrying user's characteristic information, so that special according to the user pre-established
Reference ceases the corresponding relation with user account information, is paid by user account corresponding with user's characteristic information, so that
Complete pay corresponding with paying request.Because it uses user's characteristic information as the identification information for paying association, therefore, tool
There is higher security.
In one embodiment, as shown in Fig. 2 before obtaining and paying request, the method for payment of the present embodiment can be with
Comprise the following steps:
Step S201, obtains registration request, wherein, registration request includes user identity information and the user of request registration
Characteristic information;
In the present embodiment, before user pay first, it can be registered in advance in paying server, specifically
Registration request can be sent to paying server, wherein, registration request includes user identity information and the user of request registration
Characteristic information, specifically, user identity information can be the unique identities identification information of user, such as ID card No., passport No.
Code etc., user's characteristic information can be then finger print information or iris information of user etc., and the present embodiment enters by taking finger print information as an example
Row explanation.
Step S202, user account information corresponding with user identity information is obtained according to user identity information;
Step S203, sets up the corresponding pass of corresponding with user identity information user's characteristic information and user account information
System, and it is stored as log-on message.
Paying server can be set up and user according to the unique identities identification information of user using the method for inverted index
The corresponding user's characteristic information of unique identities identification information and user account information incidence relation.Specifically, payment services
Device is stored user identity information and identified with user and believed by network and user account system docking in user account system
Corresponding user account information is ceased, it includes user account and account situation, wherein, user identity information can be user
Unique identities identification information, such as ID card No., passport number, user account situation can be then the various account correspondences of user
The fund amount of money or amount of money etc. can be dominated, the wechat account such as bound by the unique identities identification information of user and corresponding
Change remaining sum, the Alipay account and corresponding remaining sum bound by the unique identities identification information of user, pass through user's
The user's deposit card account and corresponding amount deposited of the binding of unique identities identification information are known by the unique identities of user
The user credit card account of other information binding and corresponding dominate amount of money etc..Therefore, paying server can pass through user
Unique identities identification information in registration request sets up the corresponding relation of user fingerprints information and user account situation, specifically can be with
Set up by way of inverted index, and the corresponding relation of foundation is stored as log-on message.
In one embodiment, whether effective ask as shown in figure 3, judging to pay according to sequence information and temporal information,
Including:
Step S301, determines to pay request whether within default effective time according to temporal information;
When paying request generation, it can carry a time tag, when paying server receives payment request,
Then whether before the deadline current payment can be judged according to the time tag and the default term of validity, so as to effectively prevent branch
Pay request to be trapped, it is to avoid user's characteristic information is used multiple times.
Step S302, however, it is determined that pay request within default effective time, then carried out using idempotence to sequence information
Verification;
Step S303, if verification is qualified, it is determined that pay request effective.
When paying server determines to pay request within effective time according to temporal information, then idempotence pair can be used
Trading order form number is verified, and whether judge it is repeat business, so as to prevent that order from repeatedly being paid.After verification, such as
Fruit determines it is not that repeat business then shows that payment request is effective, whereas if judging after being verified to the trading order form number
When it is repeat business or determines to pay request not within effective time, then show that payment request is invalid.
In one embodiment, the payer of the present embodiment is illustrated so that user's characteristic information is user fingerprints information as an example
Method, as shown in figure 4, the method for payment may include steps of:
Step S401, obtains registration request, and registration request includes the user identity information and user fingerprints of request registration
Information;
Specifically, user identity information can be the unique identities identification information of user, such as ID card No., passport number
Deng.In the present embodiment, user terminal is collected after registration request, is passed after user fingerprints information in registration request is encrypted
Paying server is defeated by, it can be specifically encrypted using asymmetric arithmetic.
Step S402, carries out classified index, and set up inverted index to user fingerprints information;
Paying server is received after registration request, and the finger print information after being encrypted in registration request is decrypted, so that
Fingerprint characteristic data is obtained according to the characteristic of fingerprint, feature extraction is carried out, to obtain the binary stream of fingerprint characteristic, then using Kazakhstan
Uncommon algorithm computation index.Meanwhile, paying server sets up user characteristics according to user identity information using the method for inverted index
The corresponding relation of information and user account information, and it is stored as log-on message.
Step S403, obtains and pays request;
Payment request includes user fingerprints information, sequence information and temporal information that request is paid;Wherein, order
Information can then include the information such as trading order form number, dealing money, and temporal information is then the specific time that user's request is paid.
Step S404, judges to pay request whether within default effective time;
In the present embodiment, when paying request generation, a time tag can be carried, meanwhile, paying server pair
Pay request and pre-set a term of validity, so as to judge that current payment please jointly according to time tag and the term of validity
Seeking Truth is no before the deadline, and step S405 is further performed if before the deadline, otherwise performs step S409 and terminates flow, from
And effectively preventing that paying request is trapped, it is to avoid user fingerprints information is used multiple times.
Whether qualified step S405, verify sequence information using idempotence;
When paying server has the term of validity to determine to pay request within effective time according to time tag, then it can use
Idempotence is verified to trading order form number, and whether judge it is repeat business, so as to prevent that order from repeatedly being paid.By school
After testing, if it is determined that be not that repeat business then shows that payment request is effective, so as to sequentially perform step S406, conversely,
If it is that repeat business or determination are paid when asking not within effective time that it is judged after being verified to the trading order form number,
Show that payment request is invalid, so that performing step S409 terminates flow.
Step S406, judges whether the user fingerprints information paid in request matches with log-on message, if matching, is performed
Step S407, otherwise performs step S409;
When paying server determine the payment request it is effective when, can also be judged according to user fingerprints information its whether with note
Volume information match.If specifically, there is corresponding user fingerprints information in log-on message, judge user fingerprints information with
Log-on message matches, so that order performs step S407;If corresponding user fingerprints information is not present in log-on message,
Judge that user fingerprints information is mismatched with log-on message, so that performing step S409 terminates flow.
Step S407, is paid according to corresponding user account in the log-on message of matching;
Paying server corresponding user account can be paid in the log-on message according to matching, so as to complete and prop up
Pay the payment of the corresponding dealing money of request.
Step S408, returns and pays successful message;
After the completion of payment, paying server can successfully disappear to sending to pay with the user terminal that user account is bound
Breath, wherein payment can be included, the information such as time of payment, so that user can know the account feelings of oneself in time
Condition.
Step S409, terminates flow.
The embodiment of the present invention additionally provides a kind of payment mechanism, as shown in figure 5, including acquisition module 501, judge module
502nd, matching module 503, payment module 504 and sending module 505, wherein:
Acquisition module 501, request is paid for acquisition, wherein, paying request includes the user's characteristic information of payment, orders
Single information and temporal information, user's characteristic information can be then the finger print information of user or the iris information of user;
Whether effective judge module 502, ask for judging to pay according to sequence information and temporal information;
Matching module 503, if judge module 502 determines to pay request effective, judge user's characteristic information whether with note
Volume information match;
Payment module 504, if matching module 503 determines that user's characteristic information is matched with log-on message, according to matching
Corresponding user account is paid in log-on message,
Sending module 505, successful message is paid for being returned to user terminal.
In one embodiment, as shown in fig. 6, payment mechanism also includes Registering modules 601, so that acquisition module 501 is also
It can be used for, obtain registration request, wherein, registration request includes user identity information and user's characteristic information;Registering modules
601 are used for, and the corresponding relation of user's characteristic information and user account information is set up according to user identity information, and are stored as note
Volume information.
In one embodiment, Registering modules 601 are specifically for the method that inverted index is used according to user identity information
Set up the incidence relation of corresponding with user identity information user's characteristic information and user account information.
In one embodiment, whether judge module 502 according to temporal information specifically for determining to pay request default
Effective time in;If it is determined that paying request within default effective time, then sequence information is verified using idempotence;
If verification is qualified, it is determined that payment request is effective, otherwise determines to pay and ask invalid.
In one embodiment, matching module 503 in log-on message specifically for if exist corresponding with user's characteristic information
Information, it is determined that user's characteristic information matches with log-on message, does not otherwise determine user's characteristic information and log-on message not
Match somebody with somebody.
The embodiment of the present invention additionally provides a kind of computer-readable recording medium, and it is arranged at paying server end, thereon
Be stored with computer program, and the computer program realizes following steps when being executed by processor:Obtain and pay request, pay request
Include user's characteristic information, sequence information and temporal information that request is paid;Judged according to sequence information and temporal information
Whether effective pay request;If it is determined that paying request effectively, then judge whether user's characteristic information matches with log-on message;If
Matching, then paid according to corresponding user account in the log-on message of matching, and returns to the successful message of payment.
In one embodiment, also include before payment request is obtained:Registration request is obtained, registration request includes please
Seek the user identity information and user's characteristic information of registration;User's characteristic information and user account are set up according to user identity information
The corresponding relation of information, and it is stored as log-on message.
In one embodiment, user's characteristic information pass corresponding with user account information is set up according to user identity information
System, and log-on message is stored as, it is specially:Set up to identify with user using the method for inverted index according to user identity information and believe
Cease the incidence relation of corresponding user's characteristic information and user account information.
In one embodiment, judge to pay according to sequence information and temporal information and whether effective ask, be specially:According to
Temporal information determines to pay request whether within default effective time;If it is determined that request is paid within default effective time,
Then sequence information is verified using idempotence;If verification is qualified, it is determined that pay request effective.
In one embodiment, judge whether user's characteristic information matches with log-on message, be specially:If log-on message
It is middle to there is information corresponding with user's characteristic information, it is determined that user's characteristic information matches with log-on message, otherwise determine to use
Family characteristic information is mismatched with log-on message.
In one embodiment, user's characteristic information is the finger print information of user or the iris information of user.
The embodiment of the present invention additionally provides a kind of computer equipment, and it is arranged at paying server end, including memory, place
Manage device and store the computer program that can be run on a memory and on a processor, realized during computing device program as follows
Step:Obtain and pay request, paying request includes user's characteristic information, sequence information and temporal information that request is paid;
Judge to pay according to sequence information and temporal information and whether effective ask;If it is determined that paying request effectively, then user characteristics is judged
Whether information matches with log-on message;If matching, is paid according to corresponding user account in the log-on message of matching,
And return to the successful message of payment.
In one embodiment, also include before payment request is obtained:Registration request is obtained, registration request includes please
Seek the user identity information and user's characteristic information of registration;User's characteristic information and user account are set up according to user identity information
The corresponding relation of information, and it is stored as log-on message.
In one embodiment, user's characteristic information pass corresponding with user account information is set up according to user identity information
System, and log-on message is stored as, it is specially:Set up to identify with user using the method for inverted index according to user identity information and believe
Cease the incidence relation of corresponding user's characteristic information and user account information.
In one embodiment, judge to pay according to sequence information and temporal information and whether effective ask, be specially:According to
Temporal information determines to pay request whether within default effective time;If it is determined that request is paid within default effective time,
Then sequence information is verified using idempotence;If verification is qualified, it is determined that pay request effective.
In one embodiment, judge whether user's characteristic information matches with log-on message, be specially:If log-on message
It is middle to there is information corresponding with user's characteristic information, it is determined that user's characteristic information matches with log-on message, otherwise determine to use
Family characteristic information is mismatched with log-on message.
In one embodiment, user's characteristic information is the finger print information of user or the iris information of user.
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope of this specification record is all considered to be.
Embodiment described above only expresses the several embodiments of the present invention, and it describes more specific and detailed, but simultaneously
Can not therefore it be construed as limiting the scope of the patent.It should be pointed out that coming for one of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of method of payment, it is characterised in that including:
Obtain and pay request, described pay asks to include user's characteristic information, sequence information and time letter that request is paid
Breath;
Judge that whether effective described pay asks according to the sequence information and temporal information;
If it is determined that described pay request effectively, then judge whether the user's characteristic information matches with log-on message;
If matching, is paid according to corresponding user account in the log-on message of matching, and returns to the successful message of payment.
2. method of payment according to claim 1, it is characterised in that also include in described obtain before payment is asked:
Registration request is obtained, the registration request includes the user identity information and user's characteristic information of request registration;
User account information corresponding with the user identity information is obtained according to the user identity information;
The corresponding relation of corresponding with the user identity information user's characteristic information and user account information is set up, and is stored as
Log-on message.
3. method of payment according to claim 2, it is characterised in that the foundation is corresponding with the user identity information
The corresponding relation of user's characteristic information and user account information, and log-on message is stored as, including:
User spy corresponding with the user identity information is set up using the method for inverted index according to the user identity information
Reference ceases the corresponding relation with user account information.
4. method of payment according to claim 1, it is characterised in that described to be sentenced according to the sequence information and temporal information
Whether effective disconnected described pay asks, including:
Determine that described pay is asked whether within default effective time according to the temporal information;
If it is determined that described pay request within default effective time, then judge that the payment request is according to the sequence information
The no payment request to repeat;
If described pay the payment request that request is not repetition, it is determined that the payment request is effective.
5. method of payment according to claim 1, it is characterised in that it is described judge the user's characteristic information whether with note
Volume information match, including:
If in the log-on message exist information corresponding with the user's characteristic information, it is determined that the user's characteristic information with
Log-on message matches, and otherwise determines that the user's characteristic information is mismatched with log-on message.
6. the method for payment according to right seeks 1~5 any one, it is characterised in that the user's characteristic information includes fingerprint
Any at least one in information and iris information.
7. a kind of payment mechanism, it is characterised in that including:
Acquisition module, for obtain pay request, it is described pay request include payment user's characteristic information, sequence information with
And temporal information;
Judge module, for judging that whether effective described pay asks according to the sequence information and temporal information;
Matching module, if the judge module determine it is described to pay request effective, judge the user's characteristic information whether with
Log-on message matches;
Payment module, if the matching module determines that the user's characteristic information is matched with log-on message, according to the note of matching
Corresponding user account is paid in volume information,
Sending module, successful message is paid for being returned to user terminal.
8. payment mechanism according to claim 7, it is characterised in that also including Registering modules,
The acquisition module is additionally operable to, and obtains registration request, and the registration request includes user identity information and user characteristics
Information;
User account information corresponding with the user identity information is obtained according to the user identity information;
The Registering modules are then used for, and set up corresponding with the user identity information user's characteristic information and user account information
Corresponding relation, and be stored as log-on message.
9. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program is located
Manage and realized when device is performed such as the step of any one of claim 1~6 methods described.
10. a kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor
Computer program, it is characterised in that the side as described in any one of claim 1~6 is realized during the computing device described program
The step of method.
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