CN107230066A - A kind of method of payment and device, computer installation, readable storage medium storing program for executing - Google Patents
A kind of method of payment and device, computer installation, readable storage medium storing program for executing Download PDFInfo
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- CN107230066A CN107230066A CN201710404349.5A CN201710404349A CN107230066A CN 107230066 A CN107230066 A CN 107230066A CN 201710404349 A CN201710404349 A CN 201710404349A CN 107230066 A CN107230066 A CN 107230066A
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- Prior art keywords
- payment
- user
- terminal
- reflected image
- image
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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 embodiment of the invention discloses a kind of method of payment and device.Computer installation, readable storage medium storing program for executing, for realizing rapid payment.Present invention method includes：Obtain the reflected image in user eyeball；Judge whether user needs to carry out delivery operation according to reflected image；If user needs to carry out delivery operation, the default payment application of terminal is opened, and shows that default pay applies corresponding payment interface in the current display interface of terminal.
Description
Technical field
The present invention relates to communication technical field, more particularly to a kind of method of payment and device, computer installation, readable deposit
Storage media.
Background technology
With the economic progress continued to develop with electronic technology, the purchase and consumption ability of people is same what is risen year by year
When, the increasing means of payment instead of payment of paying in cash or swipe the card, such as using mobile terminal progress wechat payment or
Alipay is paid, and not only contributes to avoid user from carrying without enough cashes or forget that what is during with bank card occurred can not prop up
The embarrassment for purchasing commodity is paid, the convenience that user is paid is also improved.
However, in the prior art, when user carries out wechat payment or Alipay payment using mobile terminal, it is necessary to by
Unlock mobile terminal, the application of startup wechat or Alipay application, into this series of operation steps of payment interface, it is relatively complicated,
And in some cases, when user does not have unnecessary time or the associative operation that can not be quickly paid, a series of this behaviour
Make step to experience the payment for influencing whether user.
The content of the invention
The embodiments of the invention provide a kind of method of payment and device, computer installation, readable storage medium storing program for executing, for reality
Existing rapid payment.
In view of this, first aspect present invention provides a kind of method of payment, and applied to terminal, method of payment includes：
Obtain the reflected image in user eyeball；
Judge whether user needs to carry out delivery operation according to reflected image；
If user needs to carry out delivery operation, the default payment application of terminal is opened, and in current display circle of terminal
Show that default pay applies corresponding payment interface in face.
Further, judge whether user needs progress delivery operation to include according to reflected image：
Judge reflected image with the presence or absence of payment image in 2 D code according to reflected image；Or,
Judge that reflected image whether there is code reader image according to reflected image；Or,
Judge reflected image with the presence or absence of the login interface image for paying application according to reflected image.
Further, method of payment also includes：
Whether the current scene residing for detection terminal is to pay scene；
If current scene obtains the reflected image in user eyeball to pay scene.
Further, whether the current scene residing for detection terminal is to pay scene to include：
The current location information of user is obtained, whether the current location information of detection user is predeterminated position；Or,
Obtain and whether there is pre-set image in the image information of the current scene of user, detection image information.
Further, method of payment also includes：
If user needs to carry out delivery operation, the default payment for opening terminal is applied and utilizes the first camera of terminal
The iris information of user is obtained, and Quick Response Code is paid using the second camera scanning of terminal；
Whether judge iris information is default iris information；
If iris information is default iris information, delivery operation of the response user in payment interface is to paying Quick Response Code
Complete to pay.
Second aspect of the present invention provides a kind of payment mechanism, and applied to terminal, payment mechanism includes：
Acquiring unit, for obtaining the reflected image in user eyeball；
Judging unit, for judging whether user needs to carry out delivery operation according to reflected image；
Opening unit, for when user needs to carry out delivery operation, opening the default payment application of terminal；
Display unit, for when user needs to carry out delivery operation, being shown in the current display interface of terminal default
Pay and apply corresponding payment interface.
Further, judging unit, specifically for：
Judge reflected image with the presence or absence of payment image in 2 D code according to reflected image；Or,
Judge that reflected image whether there is code reader image according to reflected image；Or,
Judge reflected image with the presence or absence of the login interface image for paying application according to reflected image.
Further, payment mechanism also includes：
Detection unit, for detecting whether the current scene residing for terminal is to pay scene；
Acquiring unit, is additionally operable to when current scene to pay scene, obtains the reflected image in user eyeball.
Further, detection unit, specifically for：
The current location information of user is obtained, whether the current location information of detection user is predeterminated position；Or,
Obtain and whether there is pre-set image in the image information of the current scene of user, detection image information.
Further, payment mechanism also includes：
Opening unit, is additionally operable to when user needs to carry out delivery operation, the default payment for opening terminal is applied and utilized
First camera of terminal obtains the iris information of user, and pays Quick Response Code using the second camera scanning of terminal；
Iris information unit is judged, for judging whether iris information is default iris information；
Response unit, for when iris information is default iris information, then responding payment of the user in payment interface
Operation completes to pay to paying Quick Response Code.
Third aspect present invention provides a kind of computer installation, and computer installation includes processor, and processor is used to perform
During the computer program stored in memory, following steps are realized：
Obtain the reflected image in user eyeball；
Judge whether user needs to carry out delivery operation according to reflected image；
If user needs to carry out delivery operation, the default payment application of terminal is opened, and in current display circle of terminal
Show that default pay applies corresponding payment interface in face.
Fourth aspect present invention provides a kind of computer-readable recording medium, is stored thereon with computer program, computer
When program is executed by processor, processor, for performing following steps：
Obtain the reflected image in user eyeball；
Judge whether user needs to carry out delivery operation according to reflected image；
If user needs to carry out delivery operation, the default payment application of terminal is opened, and in current display circle of terminal
Show that default pay applies corresponding payment interface in face.
As can be seen from the above technical solutions, the embodiment of the present invention has advantages below：
, can be according to reflectogram by obtaining the reflected image in user eyeball the invention provides a kind of method of payment
As estimating whether user needs to carry out delivery operation, when it is determined that user may need to carry out delivery operation, can directly open
The default payment application of dynamic terminal, and show that default pay applies corresponding payment interface so that user can directly be carried out
Delivery operation, pays application, into this sequence of operations of payment interface without being unlocked terminal, starting, is conducive to letter
Change payment step, improve the payment experience of user.
Brief description of the drawings
Fig. 1 is method of payment one embodiment schematic diagram in the embodiment of the present invention；
Fig. 2 is another embodiment schematic diagram of method of payment in the embodiment of the present invention；
Fig. 3 is another embodiment schematic diagram of method of payment in the embodiment of the present invention；
Fig. 4 is payment mechanism one embodiment schematic diagram in the embodiment of the present invention；
Fig. 5 is another embodiment schematic diagram of payment mechanism in the embodiment of the present invention；
Fig. 6 is another embodiment schematic diagram of payment mechanism in the embodiment of the present invention；
Fig. 7 is Computer device one embodiment schematic diagram of the embodiment of the present invention.
Embodiment
The embodiments of the invention provide a kind of method of payment and device, computer installation, readable storage medium storing program for executing, for reality
Existing rapid payment.
In order that those skilled in the art more fully understand the present invention program, below in conjunction with the embodiment of the present invention
Accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only
The embodiment of a part of the invention, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill people
The every other embodiment that member is obtained under the premise of creative work is not made, should all belong to the model that the present invention is protected
Enclose.
Term " first ", " second ", " the 3rd " in description and claims of this specification and above-mentioned accompanying drawing, "
The (if present)s such as four " are for distinguishing similar object, without for describing specific order or precedence.It should manage
The data that solution is so used can be exchanged in the appropriate case, so that the embodiments described herein can be with except illustrating herein
Or the order beyond the content of description is implemented.In addition, term " comprising " and " having " and their any deformation, it is intended that
Covering is non-exclusive to be included, for example, containing process, method, system, product or the equipment of series of steps or unit need not limit
In those steps or unit for clearly listing, but may include not list clearly or for these processes, method, production
Product or the intrinsic other steps of equipment or unit.
In order to be best understood from a kind of method of payment disclosed in the embodiment of the present invention, the terminal being first applicable the embodiment of the present invention
It is described.Terminal described by the embodiment of the present invention can include it is any possess display screen, photographing module, store function and
The equipment of payment function, for example：The smart machines such as tablet personal computer, mobile phone, the terminal can be provided with including following operating system：
Android, Linux, IOS, Windows etc., terminal can be further fitted with some applications based on the operating system installed
Program, the application program can be the system application pre-installed before terminal is dispatched from the factory, and such as set application, music application, take pictures and apply,
Can also be the third-party application that user oneself installs, such as wechat application, Alipay application is not limited specifically herein.
For ease of understanding, the idiographic flow in the embodiment of the present invention is described below, referring to Fig. 1, the present invention is real
Applying method of payment one embodiment in example includes：
101st, the reflected image in user eyeball is obtained；
In the present embodiment, terminal can be provided with camera, and such as front camera produces the eye of user by front camera
Portion's image, reflected image that can be from eyes image in user in real eyeball.
Specifically, the eyeball of people has the effect similar to mirror, when two people are relative and apparent time, can be by reflection light
The head portrait of oneself is seen in the eyeball of other side.Similarly, user is when watching mobile phone, the display screen of the terminal such as flat board, terminal it is aobvious
The image of display screen can also reflect through user eyeball, based on the principle, and the present embodiment can be by obtaining the reflection in user eyeball
Image realizes the corresponding control to terminal.
In the present embodiment, the method for obtaining the reflected image in user eyeball may be referred to prior art, no longer go to live in the household of one's in-laws on getting married herein
State.
102nd, judge whether user needs to carry out delivery operation according to reflected image, if so, step 103 is then performed, if it is not,
Then perform step 104；
In the present embodiment, obtain user eyeball in reflected image after, can be judged according to reflected image user whether need
Carry out delivery operation.
Specifically, because reflected image is the scene content that user sees, then user can be seen by reflected image
To scene content analyzed, with judge user whether need carry out delivery operation.For example, it is assumed that by analyzing reflected image
The scene content of reflection, it is found that user is sitting at the cashier in market, then may determine that user needs to carry out delivery operation.
It is understood that judging the method whether user needs to carry out delivery operation according to reflected image in the present embodiment
Except the content of described above, in actual applications, other manner can also be used, if can estimate user whether need into
Row delivery operation, is not limited specifically herein.
103rd, the default payment application of terminal, and the default payment application pair of displaying in the current display interface of terminal are opened
The payment interface answered；
In the present embodiment, if judging that user needs to carry out delivery operation according to reflected image, the pre- of terminal can be opened
If paying application, and show that default pay applies corresponding payment interface in the current display interface of terminal.
Specifically, the convenient payment in order to realize user, unblock terminal is reduced, starts and pays application, into payment interface
Etc. troublesome operation, however, it is determined that user needs to carry out delivery operation, then can directly open the default payment application of terminal, and directly
It is connected in current interface and shows that default pay applies corresponding payment interface.Wherein, show that default pay should in current interface
Corresponding payment interface is used, can include switching to default payment using corresponding payment interface from current interface, or, preset
Current interface can be suspended in using corresponding payment interface by paying, when paying completion or exiting payment, can return in time
It is back to current interface, it is to avoid user needs to use current interface but needs to reenter currently after paying completion or exiting payment
The troublesome operation at interface, is conducive to improving the operating experience of user.
In actual applications, multiple pay can be installed in terminal to apply, such as wechat application, Alipay application is used
The payment application of any of which or more can be set to default payment application by family, when default payment application is multiple, eventually
End can start corresponding default payment application according to predetermined manner, for example, each default pays for taking turns starting setting should
With.
It is understood that the payment interface in the present embodiment can pay the interface of Quick Response Code for scanning, or
The interface of the Quick Response Code for payment is shown, is not limited herein specifically.
104th, flow is terminated.
, can be without other if judging that user need not carry out delivery operation according to reflected image in the present embodiment
Operation, that is, terminate flow.It is understood that in actual applications, terminal can still judge to use according to the transmitting image of acquisition
Whether family needs to carry out delivery operation, when user needs to carry out delivery operation, can be responded accordingly, specifically herein
Do not limit.
In the present embodiment, estimate whether user needs to be paid by the reflected image in the user eyeball according to acquisition
Operation, can start the default payment application of terminal, and show default branch when it is determined that user may need to carry out delivery operation
Pay apply corresponding payment interface so that user can directly carry out delivery operation, without carry out it is a series of be used for pay
Troublesome operation, is conducive to simplifying payment step, improves the payment experience of user.
It is understood that such as front camera of terminal can select always on, but it can thus disappear always
The electricity of terminal is consumed, shortens the cruising time of terminal.So, in order to reduce energy consumption, it can select such as preposition paying scene
The unlatching of camera, it is specifically described below：
Referring to Fig. 2, another embodiment of method of payment includes in the embodiment of the present invention：
201st, whether the current scene residing for detection terminal is to pay scene, if so, step 202 is then performed, if it is not, then holding
Row step 205；
In the present embodiment, opening the camera of terminal to be made whether before the judgement that needs are paid, Ke Yijian
Whether survey the current scene residing for terminal is to pay scene.
In the present embodiment, whether the current scene residing for detection terminal is that the concrete mode for paying scene can be：
The current location information of user is obtained, whether the current location information of detection user is predeterminated position；Or,
Obtain and whether there is pre-set image in the image information of the current scene of user, detection image information.
Specifically, such as GPS (Global Positioning System, global positioning system can be provided with terminal
System), the current location information of user can be determined by the GPS, by the current location information with being obtained from local or server
Map contrasted, it may be determined that the attribute classification of the current location of user, as in market, residential building, office building etc.
One kind, so as to detect whether the current location information of user is predeterminated position, the predeterminated position be able to may need for user
The position of delivery operation, such as market, food market, dining room are carried out, can if the current location information of user is predeterminated position
To determine the current scene residing for terminal as payment scene.It should be noted that detecting the present bit of user in the present embodiment
Put when whether being predeterminated position, except by the way of described above, in actual applications, other manner can also be used, such as
Get after the current location information of user, whether can detect in the geographic position name that current location information is indicated includes in advance
If keyword, such as this keyword of market, if including the current location information that can determine user is predeterminated position, specifically
Do not limit herein.
Or, with the enhancing of awareness of safety, in the case of the area coverage constantly increase of monitoring range, in public domain
The monitoring device of installation is more and more, and these can report to the video information of monitoring in the monitoring device that public domain is installed
Server, to carry out unified safety management by server, then can be extracted in the video information that terminal is collected from server
The image information of the current scene of user, so as to whether there is pre-set image in detection image information, the pre-set image can
Think instruction user may need carry out delivery operation image, such as market logo, if there is pre-set image in image information,
The current scene residing for terminal can be determined to pay scene.It should be noted that in the present embodiment, except passing through the above method
The image information of the current scene of user is obtained from server, in actual applications, other methods can also be used, for example, can
By the image information of the current scene of the current location information extract real-time user of such as GPS gathers, not do specifically herein
Limit.
Further,, can also be by opening eventually when obtaining the image information of current scene of user in the present embodiment
End such as rear camera, with by such as rear camera scan user current scene image and generate image believe
Breath.
It is understood that only illustrating to detect that the current scene residing for terminal is with above-mentioned several examples in the present embodiment
The no concrete mode to pay scene, in actual applications, can also use other manner, as long as can detect that current scene is
No is to pay scene, is not limited herein specifically.
Step 202 in the present embodiment is identical with the step 101 in embodiment illustrated in fig. 1, and here is omitted.
203rd, judge whether user needs to carry out delivery operation according to reflected image, if so, step 204 is then performed, if it is not,
Then perform step 205：
In the present embodiment, obtain user eyeball in reflected image after, can be judged according to reflected image user whether need
Carry out delivery operation.
In the present embodiment, according to reflected image judge user whether need carry out delivery operation concrete mode can be：
Judge reflected image with the presence or absence of payment image in 2 D code according to reflected image；Or,
Judge that reflected image whether there is code reader image according to reflected image；Or,
Judge reflected image with the presence or absence of the login interface image for paying application according to reflected image.
Specifically, after transmitting image is obtained, corresponding scene content in reflected image can be based on and make specific point
Analysis is with judging.In general, it is necessary to carry out paying sweeping for Quick Response Code when user carries out the payment of non-shopping online using terminal
When retouching, and being paid, if user carries out active scan, businessman, which needs to provide, pays Quick Response Code, meanwhile, if user is not logged in
The payment application paid, then user is needed to carry out the login of the payment application in terminal, and the display screen of terminal will be shown
The payment application login interface, and if user carry out drive sweep, then only need user to provide the Quick Response Code for payment, business
Family code reader will be provided, for user is provided be used for pay the bill Quick Response Code be scanned, it follows that working as reflected image
When middle presence pays image in 2 D code, code reader image or pays the login interface image of application, it is likely to mean user
Need to carry out delivery operation.
It is understood that the present embodiment only with above-mentioned several examples illustrate according to reflected image judge user whether need
The method for carrying out delivery operation, in actual applications, can also use other manner, for example, terminal can gather user's
Voice messaging, and parse whether occur the voice content related to payment in voice messaging, if in the presence of can determine that user needs
Delivery operation is carried out, is not limited herein specifically.
Step 204 in the present embodiment is identical with the step 103 in embodiment illustrated in fig. 1, and here is omitted.
It is understood that the payment application in step 203 can be consistent with the default payment application in step 204,
It can apply to include presetting paying for the payment in step 203 and apply, i.e., multiple branch for being used to pay can be installed in terminal
Pay and apply (the payment application mentioned in step 203), but wherein one can be selected in this multiple payment application for being used to pay
Individual or more payment is applied pays application as default, can be specifically configured, not limited herein according to actual conditions.
205th, flow is terminated.
In the present embodiment, if the current scene residing for detection terminal means that user currently may not to pay scene
Delivery operation will not be carried out, then can terminate flow without operation.It is understood that in actual applications, working as end
When the residing scene in end changes, whether scene that still can be residing is to pay scene to be judged, with the case where paying scene
When user needs to carry out delivery operation, it can accordingly be responded, not limited herein specifically.
, can be without other if judging that user need not carry out delivery operation according to reflected image in the present embodiment
Operation, that is, terminate flow.It is understood that in actual applications, terminal can still judge to use according to the transmitting image of acquisition
Whether family needs to carry out delivery operation, when user needs to carry out delivery operation, can be responded accordingly, specifically herein
Do not limit.
Further, the default payment application of terminal, and the default branch of displaying in the current display interface of terminal are being opened
Pay after the corresponding payment interface of application, user can be aided in complete secure payment operation by authentication, had below
Body explanation：
301st, whether the current scene residing for detection terminal is to pay scene, if so, step 302 is then performed, if it is not, then holding
Row step 307；
Step 301 in the present embodiment is identical to step 202 with the step 201 in embodiment illustrated in fig. 2 to step 302,
Here is omitted.
303rd, judge whether user needs to carry out delivery operation according to reflected image, if so, step 304 is then performed, if it is not,
Then perform step 307：
Step 303 in the present embodiment is identical with the step 203 in embodiment illustrated in fig. 2, and here is omitted.
304th, the default payment for opening terminal is applied and utilizes the first camera of terminal to obtain the iris information of user, with
And pay Quick Response Code using the second camera scanning of terminal；
In the present embodiment, if judging that user needs to carry out delivery operation according to reflected image, the pre- of terminal can be opened
If paying application, and the iris information of user is obtained using the first camera of terminal, and utilize the second camera of terminal
Scanning pays Quick Response Code.Wherein, it is to be used to scan to pay Quick Response Code to be preset in the present embodiment and pay the payment interface applied
Interface.
Specifically, in order to be conducive to carrying out user authentication and complete delivery operation, terminal can be taken the photograph provided with first
As head and second camera, it is preferred that the first camera can be the front camera of terminal, and second camera can be terminal
Rear camera so that user need not overturn terminal, you can realize corresponding operating.
Further, in the present embodiment, if the default payment interface for paying application is not to pay Quick Response Code for scanning
Interface, then terminal can be provided with opposite the first display screen and second display screen, wherein, if the first display location is in terminal
Front, second display screen is located at the back side of terminal, then the first camera can be located at front, and be obtained using the first camera
The iris information at family is taken to be verified, second display screen then shows the Quick Response Code interface for payment, not overturn end
It is that remote delivery operation can be achieved by vertical terminal in the case of end.
Whether be default iris information, if so, step 306 is then performed, if it is not, then performing step if the 305, judging iris information
307；
In the present embodiment, obtained using the first camera of terminal after the iris information of user, it can be determined that iris information
Whether it is default iris information.
Specifically, when detecting the iris information of user, can be by the iris information and the iris information prestored storehouse
It is compared, is matched when detecting the iris information of user of acquisition with the default iris information in the iris information storehouse prestored
When, then it can determine that the authentication of user passes through, secure payment can be carried out, conversely, then meaning the authentication of user
Failure, it is understood that there may be terminal embezzlement and the possibility for carrying out malice consumption.
It is understood that terminal carry out the authority of delivery operation can be to be multiple using user, such as one family can be with
Using same terminal, then it can also be many personal iris informations to preset iris information, can in the light of actual conditions be carried out by user
It is corresponding to set, do not limit herein specifically.
306th, delivery operation of the response user in payment interface completes to pay to paying Quick Response Code；
In the present embodiment, if judging, iris information, to preset iris information, can respond user in payment interface
Delivery operation completes to pay to paying Quick Response Code.
If specifically, the iris information of the user obtained is default iris information, meaning that the authentication of user is led to
Cross, after payment Quick Response Code is arrived in the second camera scanning of terminal, when user is by such as clicking on the default position in payment interface
Put when being paid, the delivery operation that terminal can respond the click completes to pay to paying Quick Response Code, with the friendship of instruction user
Easily success.
Further, in the present embodiment, after the iris information of user is proved to be successful, user can further be pointed out input branch
Password is paid, to carry out twin check, when user is paid in terminal input payment cipher, if payment cipher checking is logical
Cross, then terminal can respond the delivery operation of the input payment cipher to paying Quick Response Code completion payment.
307th, flow is terminated.
In the present embodiment, if the current scene residing for detection terminal means that user currently may not to pay scene
Delivery operation will not be carried out, then can terminate flow without operation.It is understood that in actual applications, working as end
When the residing scene in end changes, whether scene that still can be residing is to pay scene to be judged, with the case where paying scene
When user needs to carry out delivery operation, it can accordingly be responded, not limited herein specifically.
, can be without other if judging that user need not carry out delivery operation according to reflected image in the present embodiment
Operation, that is, terminate flow.It is understood that in actual applications, terminal can still judge to use according to the transmitting image of acquisition
Whether family needs to carry out delivery operation, when user needs to carry out delivery operation, can be responded accordingly, specifically herein
Do not limit.
In the present embodiment, if judging iris information not to preset iris information, illustrate that the authentication of user does not pass through,
Payment risk is there may be, then delivery operation of the user in payment interface can be responded, to prevent user from completing to paying
The payment of Quick Response Code, that is, terminate flow.
Further, when iris information is not for default iris information, prompt message can be exported, to point out user identity
Verification failure so that user can be carried out authentication by other approach or complete to pay, with special circumstances, due to all
Such as terminal reason that breaks down causes user can not complete the possibility of secure payment.
Further, when iris information is for default iris information, can also locking terminal, to prevent that terminal from being disliked
Anticipate consumption possibility, only terminal by another way again authentication success when, terminal can just obtain unblock and just
Often use.
The method of payment in the embodiment of the present invention is described above, the payment in the embodiment of the present invention filled below
Put and be described, the payment mechanism is applied to terminal, referring to Fig. 4, payment mechanism one embodiment bag in the embodiment of the present invention
Include：
Acquiring unit 401, for obtaining the reflected image in user eyeball；
Judging unit 402, for judging whether user needs to carry out delivery operation according to reflected image；
Opening unit 403, for when user needs to carry out delivery operation, opening the default payment application of terminal；
Display unit 404, for when user needs to carry out delivery operation, being shown in the current display interface of terminal pre-
Corresponding payment interface is applied if paying.
Optionally, in some embodiments of the invention, judging unit 402, can further specifically for：
Judge reflected image with the presence or absence of payment image in 2 D code according to reflected image；Or,
Judge that reflected image whether there is code reader image according to reflected image；Or,
Judge reflected image with the presence or absence of the login interface image for paying application according to reflected image.
Optionally, in some embodiments of the invention, based on embodiment illustrated in fig. 4, as shown in figure 5, payment mechanism is also
It may further include：
Detection unit 405, for detecting whether the current scene residing for terminal is to pay scene；
Acquiring unit 401, is additionally operable to when current scene to pay scene, obtains the reflected image in user eyeball.
Optionally, in some embodiments of the invention, the content illustrated based on embodiment illustrated in fig. 5, detection unit
405, can further specifically for：
The current location information of user is obtained, whether the current location information of detection user is predeterminated position；Or,
Obtain and whether there is pre-set image in the image information of the current scene of user, detection image information.
Optionally, in some embodiments of the invention, based on embodiment illustrated in fig. 5, as shown in fig. 6, payment mechanism is also
It may further include：
Opening unit 403, is additionally operable to open default payment application and the profit of terminal when user needs to carry out delivery operation
The iris information of user is obtained with the first camera of terminal, and Quick Response Code is paid using the second camera scanning of terminal；
Iris information unit 406 is judged, for judging whether iris information is default iris information；
Response unit 407, for when iris information is default iris information, then responding branch of the user in payment interface
Pay operation and complete to pay to paying Quick Response Code.
The payment mechanism in the embodiment of the present invention is described the angle of slave module functional entity above, below from
Computer installation in the embodiment of the present invention is described the angle of hardware handles, referring to Fig. 7, the embodiment of the present invention is fallen into a trap
Calculation machine device one embodiment includes：
Processor 701 and memory 702；
Memory 702 is used to store computer program, and processor 701 is used to perform the computer stored in memory 702
During program, it is possible to achieve following steps：
Obtain the reflected image in user eyeball；
Judge whether user needs to carry out delivery operation according to reflected image；
If user needs to carry out delivery operation, the default payment application of terminal is opened, and in current display circle of terminal
Show that default pay applies corresponding payment interface in face.
In some embodiments of the invention, processor 701, can be also used for realizing following steps：
Judge reflected image with the presence or absence of payment image in 2 D code according to reflected image；Or,
Judge that reflected image whether there is code reader image according to reflected image；Or,
Judge reflected image with the presence or absence of the login interface image for paying application according to reflected image.
In some embodiments of the invention, processor 701, can be also used for realizing following steps：
Whether the current scene residing for detection terminal is to pay scene；
If current scene obtains the reflected image in user eyeball to pay scene.
In some embodiments of the invention, processor 701, can be also used for realizing following steps：
The current location information of user is obtained, whether the current location information of detection user is predeterminated position；Or,
Obtain and whether there is pre-set image in the image information of the current scene of user, detection image information.
In some embodiments of the invention, processor 701, can be also used for realizing following steps：
If user needs to carry out delivery operation, the default payment for opening terminal is applied and utilizes the first camera of terminal
The iris information of user is obtained, and Quick Response Code is paid using the second camera scanning of terminal；
Whether judge iris information is default iris information；
If iris information is default iris information, delivery operation of the response user in payment interface is to paying Quick Response Code
Complete to pay.
It is understood that can also be realized above-mentioned during computer program described in computing device in computer installation
The function of each unit in corresponding each device embodiment, here is omitted.Exemplary, the computer program can be divided
One or more module/units are cut into, one or more of module/units are stored in the memory, and by institute
Computing device is stated, to complete the present invention.One or more of module/units can complete the one of specific function to be
Column count machine programmed instruction section, the instruction segment is used to describe the computer program in the payment mechanism/terminal device
Implementation procedure.For example, the computer program can be divided into each unit in above-mentioned payment mechanism, each unit can be realized
Concrete function as described above.
The computer installation can be that the calculating such as desktop PC, notebook, palm PC and cloud server is set
It is standby.The computer installation may include, but be not limited only to, processor, memory.It will be understood by those skilled in the art that Fig. 7 shows
The example of computer installation is merely intended to, the restriction to computer installation is not constituted, can be included more more or more than illustrating
Few part, either combines some parts or different parts, such as described computer installation can also include input and output
Equipment, network access equipment, bus etc..
The processor can be CPU (Central Processing Unit, CPU), can also be it
His general processor, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable GateArray, FPGA) or other PLDs, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng the processor is the control centre of the computer installation, utilizes various interfaces and the whole computer installation of connection
Various pieces.
The memory can be used for storing the computer program and/or module, and the processor is by running or performing
The computer program and/or module being stored in the memory, and the data being stored in memory are called, realize described
The various functions of computer installation.The memory can mainly include storing program area and storage data field, wherein, storage program
Area can be needed for storage program area, at least one function application program (such as sound-playing function, image player function etc.)
Deng；Storage data field can be stored uses created data (such as voice data, phone directory etc.) etc. according to terminal.In addition,
Memory can include high-speed random access memory, can also include nonvolatile memory, such as hard disk, internal memory, grafting
Formula hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card), at least one disk memory, flush memory device or other volatile solid-state parts.
Present invention also offers a kind of computer-readable recording medium, computer program, computer program are stored thereon with
When being executed by processor, processor can be used for performing following steps：
Obtain the reflected image in user eyeball；
Judge whether user needs to carry out delivery operation according to reflected image；
If user needs to carry out delivery operation, the default payment application of terminal is opened, and in current display circle of terminal
Show that default pay applies corresponding payment interface in face.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can also be specifically for performing following steps：
Judge reflected image with the presence or absence of payment image in 2 D code according to reflected image；Or,
Judge that reflected image whether there is code reader image according to reflected image；Or,
Judge reflected image with the presence or absence of the login interface image for paying application according to reflected image.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can also be specifically for performing following steps：
Whether the current scene residing for detection terminal is to pay scene；
If current scene obtains the reflected image in user eyeball to pay scene.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can also be specifically for performing following steps：
The current location information of user is obtained, whether the current location information of detection user is predeterminated position；Or,
Obtain and whether there is pre-set image in the image information of the current scene of user, detection image information.
In some embodiments of the invention, the computer program of computer-readable recording medium storage is executed by processor
When, processor can also be specifically for performing following steps：
If user needs to carry out delivery operation, the default payment for opening terminal is applied and utilizes the first camera of terminal
The iris information of user is obtained, and Quick Response Code is paid using the second camera scanning of terminal；
Whether judge iris information is default iris information；
If iris information is default iris information, delivery operation of the response user in payment interface is to paying Quick Response Code
Complete to pay.
If it is understood that the integrated unit is realized using in the form of SFU software functional unit and is used as independent production
Product are sold or in use, can be stored in a computer read/write memory medium.Understood based on such, the present invention is realized
All or part of flow in above-described embodiment method, can also instruct the hardware of correlation to complete by computer program,
Described computer program can be stored in a computer-readable recording medium, the computer program when being executed by processor,
The step of each above-mentioned embodiment of the method can be achieved.Wherein, the computer program includes computer program code, the calculating
Machine program code can be source code form, object identification code form, executable file or some intermediate forms etc..The computer
Computer-readable recording medium can include：Any entity or device, recording medium, USB flash disk, the movement of the computer program code can be carried
Hard disk, magnetic disc, CD, computer storage, read-only storage (ROM, Read-Only Memory), random access memory
(RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..Need explanation
It is that the content that the computer-readable medium is included can be fitted according to legislation in jurisdiction and the requirement of patent practice
When increase and decrease, such as in some jurisdictions, according to legislation and patent practice, computer-readable medium does not include electric carrier wave letter
Number and telecommunication signal.
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, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
In several embodiments provided herein, it should be understood that disclosed system, apparatus and method can be with
Realize by another way.For example, device embodiment described above is only schematical, for example, the unit
Divide, only a kind of division of logic function there can be other dividing mode when actually realizing, such as multiple units or component
Another system can be combined or be desirably integrated into, or some features can be ignored, or do not perform.It is another, it is shown or
The coupling each other discussed or direct-coupling or communication connection can be the indirect couplings of device or unit by some interfaces
Close or communicate to connect, can be electrical, machinery or other forms.
The unit illustrated as separating component can be or may not be it is physically separate, it is aobvious as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.
In addition, each functional unit in each embodiment of the invention can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.
Described above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although with reference to before
Embodiment is stated the present invention is described in detail, it will be understood by those within the art that：It still can be to preceding
State the technical scheme described in each embodiment to modify, or equivalent substitution is carried out to which part technical characteristic；And these
Modification is replaced, and the essence of appropriate technical solution is departed from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (10)
1. a kind of method of payment, applied to terminal, it is characterised in that the method for payment includes：
Obtain the reflected image in user eyeball；
Judge whether the user needs to carry out delivery operation according to the reflected image；
If the user needs to carry out delivery operation, the default payment application of the terminal, and working as in the terminal are opened
Show that default pay applies corresponding payment interface in preceding display interface.
2. method of payment according to claim 1, it is characterised in that described that the user is judged according to the reflected image
Progress delivery operation whether is needed to include：
Judge the reflected image with the presence or absence of payment image in 2 D code according to the reflected image；Or,
Judge that the reflected image whether there is code reader image according to the reflected image；Or,
Judge the reflected image with the presence or absence of the login interface image for paying application according to the reflected image.
3. method of payment according to claim 1 or 2, it is characterised in that the method for payment also includes：
Whether detect the current scene residing for the terminal is to pay scene；
If the current scene is the payment scene, the reflected image in user eyeball is obtained.
4. method of payment according to claim 3, it is characterised in that the current scene residing for the detection terminal is
It is no to include to pay scene：
The current location information of the user is obtained, whether the current location information for detecting the user is predeterminated position；Or,
Obtain in the image information of the current scene of the user, detection described image information and whether there is pre-set image.
5. method of payment according to claim 3, it is characterised in that the method for payment also includes：
If the user needs to carry out delivery operation, the default payment for opening the terminal applies and utilized the of the terminal
One camera obtains the iris information of the user, and pays Quick Response Code using the second camera scanning of the terminal；
Whether judge the iris information is default iris information；
If the iris information is the default iris information, delivery operation of the user in the payment interface is responded
The payment Quick Response Code is completed to pay.
6. a kind of payment mechanism, applied to terminal, it is characterised in that the payment mechanism includes：
Acquiring unit, for obtaining the reflected image in user eyeball；
Judging unit, for judging whether the user needs to carry out delivery operation according to the reflected image；
Opening unit, for when the user needs to carry out delivery operation, opening the default payment application of the terminal；
Display unit, for when the user needs to carry out delivery operation, being shown in the current display interface of the terminal
Default pay applies corresponding payment interface.
7. payment mechanism according to claim 6, it is characterised in that the judging unit, specifically for：
Judge the reflected image with the presence or absence of payment image in 2 D code according to the reflected image；Or,
Judge that the reflected image whether there is code reader image according to the reflected image；Or,
Judge the reflected image with the presence or absence of the login interface image for paying application according to the reflected image.
8. the payment mechanism according to claim 6 or 7, it is characterised in that the payment mechanism also includes：
Detection unit, for detecting whether the current scene residing for the terminal is to pay scene；
The acquiring unit, is additionally operable to, when the current scene is the payment scene, obtain the reflected image in user eyeball.
9. a kind of computer installation, it is characterised in that：The computer installation includes processor, and the processor is deposited for execution
Realized during the computer program stored in reservoir as described in any one in claim 1 to 5 the step of method of payment.
10. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that：The computer program
Realized when being executed by processor as described in any one in claim 1 to 5 the step of method of payment.
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| CN201710404349.5A CN107230066B (en) | 2017-06-01 | 2017-06-01 | Payment method and device, computer device and readable storage medium |
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| CN110135837A (en) * | 2018-09-29 | 2019-08-16 | 广东小天才科技有限公司 | A kind of payment management method and wearable device based on wearable device |
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