CN107369020A - A kind of method of payment, apparatus and system - Google Patents
A kind of method of payment, apparatus and system Download PDFInfo
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- CN107369020A CN107369020A CN201710267040.6A CN201710267040A CN107369020A CN 107369020 A CN107369020 A CN 107369020A CN 201710267040 A CN201710267040 A CN 201710267040A CN 107369020 A CN107369020 A CN 107369020A
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- 238000012011 method of payment Methods 0.000 title claims abstract description 12
- 238000000034 method Methods 0.000 claims abstract description 53
- 230000007246 mechanism Effects 0.000 claims description 4
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- 230000009471 action Effects 0.000 abstract description 6
- 230000008569 process Effects 0.000 description 17
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- 238000005516 engineering process Methods 0.000 description 10
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- 238000004590 computer program Methods 0.000 description 7
- 230000006872 improvement Effects 0.000 description 7
- 238000012545 processing Methods 0.000 description 7
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- 230000002452 interceptive effect Effects 0.000 description 4
- 230000000694 effects Effects 0.000 description 3
- 230000003287 optical effect Effects 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 239000003795 chemical substances by application Substances 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000013459 approach Methods 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000036772 blood pressure Effects 0.000 description 1
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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
This application discloses a kind of method of payment, apparatus and system.Methods described includes：Obtain the first biological information of active user；Determine account corresponding to first biological information；After the payment affirmation instruction that the active user assigns is received, instructed according to the payment affirmation, the account corresponding to first biological information is paid；Wherein, the payment affirmation instruction inputs the second biological information or carries out control operation and assigns by the active user.Utilize the embodiment of the present application, because the payment affirmation instruction for needing to be assigned according to active user is paid, therefore, compared to prior art, the safety experience of user can be lifted, and then advantageously reduces and can handle user terminal or merchant tenninal the user action that the efficiency of other work has a negative impact.
Description
Technical field
The application is related to computer software technical field, more particularly to a kind of method of payment, apparatus and system.
Background technology
Current iris recognition technology has been applied in many industries, including the field such as finance, security protection.Also there is flag on mobile phone
Warship machine begins to use iris recognition technology, and common consumer also begins to the iris recognition technology that touches slowly, and application is more next
More extensive and popularization, have the related application of increasing iris technology and occur.
In the prior art, such as, in the point-of-sale terminal (Point Of Sale, POS) with iris recognition module
Iris payment process is carried out in machine, in general interactive mode is exactly：When having carried out iris information collection to user, system is according to adopting
The iris information of collection, directly the account of the user is withholdd after identifying the user, so as to complete payment process.
But the above-mentioned interactive mode of prior art is poor to the safety experience of user, as long as people one can be caused to user
Stand the sensation that account may be withholdd at localities such as cashiers, so cause afterwards user may can also with
Manual queries account is withholdd situation in the terminal of family, or user requires that trade company's real-time query displaying account in merchant tenninal is withholdd
Situation, it is whether errorless with the item that ensures whether to be withholdd or withholdd, and these actions of user so can to user terminal or
The efficiency that merchant tenninal handles other work has a negative impact.It should be noted that in addition to iris payment process, it is based on
The payment process of other biological characteristic information beyond iris may also similarly use above-mentioned interactive mode, and then also result in
The problem of identical.
The content of the invention
The embodiment of the present application provides a kind of method of payment, apparatus and system, to solve following technology of the prior art
Problem：Interactive mode in iris payment process is poor to the safety experience of user, and then may some caused user actions
The efficiency that other work can be handled to user terminal or merchant tenninal has a negative impact.
In order to solve the above technical problems, what the embodiment of the present application was realized in：
A kind of method of payment that the embodiment of the present application provides, including：
Obtain the first biological information of active user；
Determine account corresponding to first biological information；
After the payment affirmation instruction that the active user assigns is received, instructed according to the payment affirmation, with described
Account corresponding to first biological information is paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control
Operation is assigned.
A kind of payment mechanism that the embodiment of the present application provides, including：
Acquisition module, obtain the first biological information of active user；
Determining module, determine account corresponding to first biological information；
Payment module, after the payment affirmation instruction that the active user assigns is received, referred to according to the payment affirmation
Order, the account corresponding to first biological information are paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control
Operation is assigned.
A kind of payment system that the embodiment of the present application provides, including：Terminal, server；
The terminal obtains the first biological information of active user, and is sent to the server；
The server determines account corresponding to first biological information；
The server is after the payment affirmation instruction that the active user is assigned by the terminal is received, according to institute
Payment affirmation instruction is stated, the account corresponding to first biological information is paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control
Operation is assigned.
Above-mentioned at least one technical scheme that the embodiment of the present application uses can reach following beneficial effect：First life
Thing characteristic information can be iris information, because the payment affirmation instruction for needing to be assigned according to active user is paid, therefore,
Compared to prior art, the safety experience of user can be lifted, and then advantageously reduces and understands to user terminal or merchant tenninal
The user action that the efficiency of other work has a negative impact is managed, can partly or entirely solve the problems of the prior art.
Brief description of the drawings
, below will be to embodiment or existing in order to illustrate more clearly of the embodiment of the present application or technical scheme of the prior art
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments described in application, for those of ordinary skill in the art, do not paying the premise of creative labor
Under, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of schematic flow sheet for method of payment that the embodiment of the present application provides；
Fig. 2 is a kind of structural representation for payment system corresponding to Fig. 1 that the embodiment of the present application provides；
Fig. 3 is under a kind of practical application scene that the embodiment of the present application provides, and system in fig. 2 performs above-mentioned payer
A kind of schematic flow sheet of interaction of method；
Fig. 4 is a kind of structural representation for payment mechanism corresponding to Fig. 1 that the embodiment of the present application provides.
Embodiment
The embodiment of the present application provides a kind of method of payment, apparatus and system.
In order that those skilled in the art more fully understand the technical scheme in the application, it is real below in conjunction with the application
The accompanying drawing in example is applied, the technical scheme in the embodiment of the present application is clearly and completely described, it is clear that described implementation
Example only some embodiments of the present application, rather than whole embodiments.It is common based on the embodiment in the application, this area
The every other embodiment that technical staff is obtained under the premise of creative work is not made, it should all belong to the application protection
Scope.
The core concept of the scheme of the application is：First biological characteristics such as the iris information provided by active user
Information determines the account of active user, then finger print information further inputted for confirmation payment to active user etc.
After second biological information is verified, paid with the account；In addition, in the safety such as " amount of money to be paid is smaller "
In the case of less demanding, user can not be forced further to input the second biological information, but progress can be passed through
The control operation acknowledgements such as ACK button are clicked on to pay.In this way, the preferable safety experience of user can be given.
In addition, it is necessary to explanation, the scheme of the application is particularly suitable for use in a kind of special applications scene.Such it is special should
With under scene, user is lower when pay online, and without mobile terminals such as carrying mobile phones, the shop of a very important person to trade company allows business
Family terminal, which sweeps the iris for sweeping user or face etc., can provide the human body parts of biological characteristic, it is possible to realize and pay.
The scheme of the application is described in detail below.
Fig. 1 is a kind of schematic flow sheet for method of payment that the embodiment of the present application provides.For program angle, the flow
Executive agent can be client and/or service end, such as, client and/or corresponding bank service end in POS,
The client of payment application on mobile phone and/or corresponding application service end etc.；For slave unit angle, the execution master of the flow
Body can include but is not limited to the following at least one equipment that can carry said procedure：POS, mobile phone, tablet personal computer, intelligence can
Wearable device, vehicle device, personal computer, big-and-middle-sized computer, computer cluster etc.；The equipment can in the scheme of the application
To be used as terminal or server.
Flow in Fig. 1 may comprise steps of：
S101：Obtain the first biological information of active user.
In the embodiment of the present application, usually, when payment process starts, it can start to perform step S101, pay
When journey starts that predetermined condition can be depended on.For example when detecting that user is in specified location, payment process starts, institute
It can be before cashier or the exit of trade company etc. to state specified location；For another example, when trade company's typing amount of money such as to be paid,
When tradable commodity information etc. pays prompt message, payment process starts；When receiving the instruction of the first collecting biological feature information,
Payment process starts；Etc..
In the embodiment of the present application, the first biological information of active user can be gathered by terminal, and be sent to clothes
Business device, in this case, it is meant that terminal and server have been performed both by step S101, wherein, terminal such as can be user
Terminal or merchant tenninal, under above-mentioned special applications scene, without user terminal, then terminal preferably can be trade company's end
End, such as POS etc..
In the embodiment of the present application, biological characteristic includes but is not limited to：Iris, eyeprint, fingerprint, palmmprint, face, iris,
One or more combinations in the features such as pulse, blood pressure, gait.First biological information can preferably include connecing with non-
The biological information that tactile mode gathers, such as, iris information.
S102：Determine account corresponding to first biological information.
In the embodiment of the present application, account corresponding to first biological information is the account that active user is used to pay
Family.
Each user can be with oneself the first biological information registered in advance and corresponding account, then can be by by step
The first biological information obtained in S101 is matched in each first biological information registered in advance, with basis
Active user is identified with result, and then determines that active user is used for the account paid.
In actual applications, it is contemplated that to memory space and the demand of disposal ability, above-mentioned information registered in advance is preferred
Ground can be stored on server, then can perform step S102 by server.Server can be further by the account of determination
Family information is sent to terminal, then terminal also determines the account, in this case, it is meant that terminal and server are performed both by
Step S102.
In the embodiment of the present application, step S101 execution can have perception or nothing for a user
Perceive.Latter approach is advantageous to improve payment efficiency, such as, the free choice of goods in the solid shop for choose trade company as user
During, can be in the case of user's unaware, by defaulting at the gateway of shop or in the interior walls of shop or business
Camera on product shelf, the iris information of the user is gathered in advance as first biological information, and it is true in advance
Its fixed corresponding account, in this way, payment efficiency when being advantageous to settle accounts after improving user's free choice of goods.
S103：After the payment affirmation instruction that the active user assigns is received, instructed, used according to the payment affirmation
Account corresponding to first biological information is paid；Wherein, the payment affirmation instruction passes through the active user
Input the second biological information or carry out control operation and assign.
In the embodiment of the present application, can be to user feedback phase it is determined that after account corresponding to the first biological information
The reference information answered, so that active user checks the reference information, whether payment affirmation instruction is assigned with decision-making.The reference letter
Breath can include one or more of：At least part information (such as account of account corresponding to first biological information
Title, at least part identity information etc. of account owning user, account owning user is generally active user's sheet
People), at least partly pay prompt message, etc..
It should be noted that nor is it necessary that to user feedback reference information.User such as can be complete in the free choice of goods
Payment affirmation instruction is directly assigned when complete, and reference information is not necessarily required.
In the embodiment of the present application, the second biological information is generally different from the first biological information.Such as if the
One biological information is iris information, then the second biological information can be the life that finger print information etc. is different from iris information
Thing characteristic information.In order to improve the sense of security of user, the second biological information preferably can be to need user to pass through actively
The biological information that the mode of response inputs, such as, finger print information, palmprint information, voiceprint etc., using finger print information as
Example, user actively press finger on fingerprint capturer and input the finger print information of oneself, to show to confirm to pay.
If active user is to assign payment affirmation instruction by inputting the second biological information, active user's input
Second biological information may be embodied in payment affirmation instruction.Second biological information of active user's input can be by
Terminal is gathered, and payment affirmation can be instructed and be sent to server by terminal, and server instructs according to payment affirmation, can verify it
Comprising the second biological information whether determine to belong to active user, if so, can just be paid.Wherein, currently
User is needed in advance in the second biological information of server registration oneself, for above-mentioned checking.
It is in addition, not high in the safety requirements such as " amount of money to be paid is smaller ", " trade company is preassigned credible trade company "
Specific payment scene under, user can not be forced further to input the second biological information, but progress can be passed through
Click on the operation of the controls such as button control, sliding slider control and assign payment instruction.
In actual applications, " active user input the second biological information " and " active user carries out control operation " this
The action of two classes may have overlapping.For example active user may input the second biological information by carrying out control operation.
Mainly illustrated above so that user, terminal and server interact completion payment process as an example.In Fig. 1
Flow can be cooperated and perform with terminal and server, then each step that the flow in Fig. 1 includes can not be by same
Equipment performs；Flow in Fig. 1 can also be performed individually by terminal, or individually be performed by server, then the flow bag in Fig. 1
Each step contained can be performed by same equipment.
By Fig. 1 method, first biological information can be iris information, due to needing according to active user
The payment affirmation instruction assigned is paid, and therefore, compared to prior art, can lift the safety experience of user, Jin Eryou
User action that the efficiency of other work have a negative impact can be handled user terminal or merchant tenninal beneficial to reducing, can portion
Divide or fully solve the problems of the prior art.
Method based on Fig. 1, the embodiment of the present application additionally provide some specific embodiments of this method, and extension side
Case, it is illustrated below.
In the embodiment of the present application, it is to identify according to explanation above, the first acquired biological information
Active user, and determine that active user is used for the account paid.Specifically, it is described true when server performs step S102
Account corresponding to fixed first biological information, can include：By first biological information and predetermined feature
Each group characteristic information in information bank is matched, and obtains at least one set of characteristic information that the match is successful；According to each group
With account corresponding to successful characteristic information difference, account corresponding to first biological information is determined；Wherein, it is described each
Group characteristic information and its corresponding account are obtained by different user is registered in advance, and characteristic information can be preserved in characteristic information storehouse
Corresponding relation between account.Every group of characteristic information represents a user respectively, carries out the process nature of characteristic information matching
On be exactly the process for identifying user.
So that the first biological information is iris information as an example, active user and other each users are at least registered in advance
The iris information of oneself and corresponding account, and be stored on server.The iris information of each user's registration is specifically stored in
In the characteristic information storehouse stated, each user can also register the other kinds of biological information beyond iris information, such as, people
Face information, finger print information etc..The different types of biological information of registration can be stored in same characteristic information storehouse,
It can be stored in different characteristic information storehouses.
And then can be each in characteristic information storehouse by the iris information for the active user that will be obtained in step S101
Group iris information is matched, to identify active user and its corresponding account.
In the embodiment of the present application, in order to further improve the reliability of the scheme of the application, it is determined that active user
During account for payment, the first biological information (such as iris information) and one or more other types can be combined
Biological information (such as face information), matched in characteristic information storehouse；That is, it is based on including the first biological characteristic
A variety of biological informations identification active user including information.Reason is, if only being carried out with the first biological information
Match somebody with somebody, it is possible to having more than one set characteristic information, the match is successful, wherein, general only one group is accurate, and other groups belong to erroneous judgement；
And then equivalent to have identified comprising multiple users including active user, and this multiple user respectively corresponding to account it is usual
Do not belong to entirely active user be used for pay account.
It is described to obtain the first of active user for step S101 in the case of the scheme mentioned in using the preceding paragraph
Biological information, it can specifically include：Obtain the first biological information and the 3rd biological information of active user.Enter
And account corresponding to the characteristic information that the match is successful according to each group difference, determine first biological information
Corresponding account, it can specifically include：According to the 3rd biological information, the feature letter that the match is successful described in each group is verified
Whether breath belongs to the active user；Determine to belong to account corresponding to the characteristic information of the active user by the checking
In, at least one account is determined, as account corresponding to first biological information.Usually, the first of active user
Biological information and the 3rd biological information are sent to server after being gathered by terminal.
It should be noted that the embodiment in the preceding paragraph is only a kind of example, there can also be other specific implementations
Mode.For example the first biological information of active user first can be only obtained, to identify active user, if only one knowledge
Other result, then the 3rd biological information of active user is no longer obtained, and used using account corresponding to recognition result as current
Family is used for the account paid；For another example, the first biological information and the 3rd biological information of active user can be obtained,
Then matched together in characteristic information storehouse with each characteristic information obtained, to identify a unique user, and will
The account that account corresponding to recognition result is used to pay as active user；Etc..
In the embodiment of the present application, it is described to determine first life for step S102 and S103 according to explanation above
After account corresponding to thing characteristic information, before the payment affirmation instruction for receiving the active user and assigning, it can also carry out：
At least part information for paying account corresponding to prompt message and first biological information is provided to the active user,
In order to which the active user assigns the payment affirmation instruction.These information provided specifically can be from terminal to active user
Displaying, in order to active user examine it is errorless after assign payment affirmation instruction.
Further, it is described corresponding to active user offer payment prompt message and first biological information
Account at least part information after, can also carry out：When it is determined that the payment prompt message meets specific payment scene, refer to
Show that the active user assigns the payment affirmation instruction by inputting the second biological information；The specific payment scene bag
Include：The amount of money to be paid is more than given threshold.If, can be with conversely, pay prompt message when not meeting the specific payment scene
The second biological information is inputted without active user, active user can be by click under the operation of the controls such as button
Instructed up to payment affirmation.
In the embodiment of the present application, believe if payment affirmation instruction inputs the second biological characteristic by the active user
Breath is assigned, then described to be instructed according to the payment affirmation for step S103, the account corresponding to first biological information
Family is paid, and can specifically be included：Instructed according to the payment affirmation, the second biology for obtaining active user's input is special
Reference ceases；Second biological information is verified；After being verified to second biological information, institute is used
Account corresponding to stating the first biological information is paid.
More specifically, active user's oneself the second biological information also registered in advance, the second biology of registration is special
Reference breath can also be stored on server.Can be according to active user's the second biological information registered in advance, to step
The second biological information that active user inputs in rapid S103 is verified.
A kind of method of payment provided above for the embodiment of the present application, based on same invention thinking, the embodiment of the present application
Corresponding system is additionally provided, as shown in Figure 2.
Fig. 2 is a kind of structural representation for payment system corresponding to Fig. 1 that the embodiment of the present application provides, and the system can be with
Including：Terminal 201, server 202.
The terminal 201 obtains the first biological information of active user, and is sent to the server 202；It is described
Terminal 201 can be specifically that the first biological information for obtaining active user is gathered by collecting biological feature information equipment
's.
The server 202 determines account corresponding to first biological information；
The server 202 after the payment affirmation instruction that the active user assigned by the terminal 201 is received,
Instructed according to the payment affirmation, the account corresponding to first biological information is paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control
Operation is assigned.
Similarly, each specific embodiment and expansion scheme of the flow in Fig. 1 correspondingly can also be by terminals 201
And/or server 202 performs, and repeats no more.
Further, in order to make it easy to understand, the embodiment of the present application is additionally provided under a kind of practical application scene, in fig. 2
System perform above-mentioned method of payment a kind of interaction schematic flow sheet, as shown in Figure 3.
Under Fig. 3 scene, the first above-mentioned biological information is iris information, the second above-mentioned biological information
For finger print information, the 3rd above-mentioned biological information is face information, it is assumed that merchant tenninal is POS, can be had in POS
There are iris capturing equipment, face collecting device (such as camera) and fingerprint collecting equipment.
Flow in Fig. 3 mainly may comprise steps of：
Active user first carries out the collection of iris information in POS by iris capturing equipment, while is adopted using camera
Collect face information, the information of collection is uploaded onto the server；
Server identifies active user by the way that the iris information of upload is matched in iris information storehouse, if
Multiple users are identified, then uniquely filter out active user using the face information of upload, if iris information matching only identifies
Go out a user, verify whether the user is strictly active user again also by the face information of upload, if it is, determining to work as
Preceding user is used for the account paid, and by least part payment information (such as amount of money to be paid etc.) and the information of active user
Return to POS；
At least part payment information and the information of active user are shown in POS, prompts active user to use finger-mark check
Confirmation payment is carried out, if active user agrees to pay, finger print information is gathered by fingerprint collecting equipment, and by the finger of collection
Line information is uploaded onto the server, and is verified, whether the finger print information uploaded with checking is strictly that active user is registered in advance
Fingerprint, if so, then being paid, and then success can be paid.
In above process, it is with the advantages of iris information identification active user：Iris recognition to 1 bigger quantity (on
Ten thousand even more highs) matching demand support preferable, be advantageous to identify that active user comes from a large number of users.Further, exist
After iris recognition, it is also necessary to reaffirmed based on face information, therefore, recognition accuracy is higher.
Further, corresponding device is additionally provided based on same invention thinking, the embodiment of the present application, such as Fig. 4 institutes
Show.
A kind of structural representation for payment mechanism corresponding to Fig. 1 that Fig. 4 provides for the embodiment of the present application, dashed rectangle table
Showing optional module, the device can be located in Fig. 1 on the executive agent of flow, including：
Acquisition module 401, obtain the first biological information of active user；
Determining module 402, determine account corresponding to first biological information；
Payment module 403, after the payment affirmation instruction that the active user assigns is received, according to the payment affirmation
Instruction, the account corresponding to first biological information are paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control
Operation is assigned.
Alternatively, the determining module 402 determine first biological information corresponding to account, specifically include：
The determining module 402 believes each group feature in first biological information and predetermined characteristic information storehouse
Breath is matched, and obtains at least one set of characteristic information that the match is successful；
Account corresponding to the characteristic information difference that the match is successful according to each group, determines first biological information
Corresponding account；
Wherein, each group characteristic information and its corresponding account are by different user rear preservation registered in advance.
Alternatively, the acquisition module 401 obtains the first biological information of active user, specifically includes：
The acquisition module 401 obtains the first biological information and the 3rd biological information of active user；
Account corresponding to the characteristic information that the match is successful according to each group of determining module 402 difference, it is determined that described
Account corresponding to first biological information, is specifically included：
The determining module 402 verifies the feature letter that the match is successful described in each group according to the 3rd biological information
Whether breath belongs to the active user；
Determine to belong in account corresponding to the characteristic information of the active user by the checking, determine at least one
Account, as account corresponding to first biological information.
Alternatively, the 3rd biological information is face information.
Alternatively, described device also includes：
Module 404 is provided, after the determining module 402 determines account corresponding to first biological information,
Before the payment module 403 receives the payment affirmation instruction that the active user assigns, payment is provided to the active user
Prompt message, and at least part information of account and/or active user corresponding to first biological information are at least
Partial information, in order to which the active user assigns the payment affirmation instruction.
Alternatively, the offer module 404 provides to the active user pays prompt message and the first biology spy
After at least part information of account corresponding to reference breath, when it is determined that the payment prompt message meets specific payment scene, refer to
Show that the active user assigns the payment affirmation instruction by inputting the second biological information；The specific payment scene bag
Include：The amount of money to be paid is more than given threshold.
Alternatively, assigned if payment affirmation instruction inputs the second biological information by the active user, institute
State payment module 403 to be instructed according to the payment affirmation, the account corresponding to first biological information is paid, and is had
Body includes：
The payment module 403 instructs according to the payment affirmation, and the second biology for obtaining active user's input is special
Reference ceases；
Second biological information is verified；
After being verified to second biological information, the account corresponding to first biological information is entered
Row is paid.
Alternatively, first biological information is iris information.
Alternatively, second biological information is finger print information.
The embodiment of the present application provide system, apparatus and method be it is corresponding, therefore, system, device also have with it is corresponding
The similar advantageous effects of method, due to the advantageous effects of method being described in detail above, therefore, this
In repeat no more the advantageous effects of correspondence system, device.
In the 1990s, the improvement for a technology can clearly distinguish be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And as the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow is programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, PLD
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, its logic function is determined by user to device programming.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, without asking chip maker to design and make
Special IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " patrols
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but have many kinds, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed are most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also should
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
Can is readily available the hardware circuit for realizing the logical method flow.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
Device and storage can by the computer of the computer readable program code (such as software or firmware) of (micro-) computing device
Read medium, gate, switch, application specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and embedded microcontroller, the example of controller include but is not limited to following microcontroller
Device：ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, are deposited
Memory controller is also implemented as a part for the control logic of memory.It is also known in the art that except with
Pure computer readable program code mode realized beyond controller, completely can be by the way that method and step is carried out into programming in logic to make
Controller is obtained in the form of gate, switch, application specific integrated circuit, programmable logic controller (PLC) and embedded microcontroller etc. to come in fact
Existing identical function.Therefore this controller is considered a kind of hardware component, and various for realizing to including in it
The device of function can also be considered as the structure in hardware component.Or even, can be by for realizing that the device of various functions regards
For that not only can be the software module of implementation method but also can be the structure in hardware component.
System, device, module or the unit that above-described embodiment illustrates, it can specifically be realized by computer chip or entity,
Or realized by the product with certain function.One kind typically realizes that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet PC, wearable device or these equipment
The combination of equipment.
For convenience of description, it is divided into various units during description apparatus above with function to describe respectively.Certainly, this is being implemented
The function of each unit can be realized in same or multiple softwares and/or hardware during application.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net
Network interface and internal memory.
Internal memory may include computer-readable medium in volatile memory, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only storage (ROM) or flash memory (flash RAM).Internal memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer-readable instruction, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moved
State random access memory (DRAM), other kinds of random access memory (RAM), read-only storage (ROM), electric erasable
Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read-only storage (CD-ROM),
Digital versatile disc (DVD) or other optical storages, magnetic cassette tape, the storage of tape magnetic rigid disk or other magnetic storage apparatus
Or any other non-transmission medium, the information that can be accessed by a computing device available for storage.Define, calculate according to herein
Machine computer-readable recording medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, term " comprising ", "comprising" or its any other variant are intended to nonexcludability
Comprising so that process, method, commodity or equipment including a series of elements not only include those key elements, but also wrapping
Include the other element being not expressly set out, or also include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that wanted including described
Other identical element also be present in the process of element, method, commodity or equipment.
The application can be described in the general context of computer executable instructions, such as program
Module.Usually, program module includes performing particular task or realizes routine, program, object, the group of particular abstract data type
Part, data structure etc..The application can also be put into practice in a distributed computing environment, in these DCEs, by
Task is performed and connected remote processing devices by communication network.In a distributed computing environment, program module can be with
In the local and remote computer-readable storage medium including storage device.
Each embodiment in this specification is described by the way of progressive, identical similar portion between each embodiment
Divide mutually referring to what each embodiment stressed is the difference with other embodiment.It is real especially for system
For applying example, because it is substantially similar to embodiment of the method, so description is fairly simple, related part is referring to embodiment of the method
Part explanation.
Embodiments herein is the foregoing is only, is not limited to the application.For those skilled in the art
For, the application can have various modifications and variations.All any modifications made within spirit herein and principle, it is equal
Replace, improve etc., it should be included within the scope of claims hereof.
Claims (19)
1. a kind of method of payment, including：
Obtain the first biological information of active user；
Determine account corresponding to first biological information；
After the payment affirmation instruction that the active user assigns is received, instructed according to the payment affirmation, with described first
Account is paid corresponding to biological information；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control operation
Assign.
2. the method as described in claim 1, account corresponding to determination first biological information, are specifically included：
First biological information is matched with each group characteristic information in predetermined characteristic information storehouse, obtained at least
One group of characteristic information that the match is successful；
Account corresponding to the characteristic information difference that the match is successful according to each group, determines that first biological information is corresponding
Account；
Wherein, each group characteristic information and its corresponding account are by different user rear preservation registered in advance.
3. method as claimed in claim 2, first biological information for obtaining active user, are specifically included：
Obtain the first biological information and the 3rd biological information of active user；
Account corresponding to the characteristic information that the match is successful according to each group difference, determines first biological information
Corresponding account, is specifically included：
According to the 3rd biological information, verify whether the characteristic information that the match is successful described in each group belongs to the current use
Family；
Determine to belong in account corresponding to the characteristic information of the active user by the checking, determine at least one account
Family, as account corresponding to first biological information.
4. method as claimed in claim 3, the 3rd biological information is face information.
5. the method as described in claim 1, it is described determine account corresponding to first biological information after, the reception
Before the payment affirmation instruction assigned to the active user, methods described also includes：
There is provided to the active user and pay prompt message, and at least portion of account corresponding to first biological information
Divide information and/or at least part information of active user, in order to which the active user assigns the payment affirmation instruction.
6. method as claimed in claim 5, described provided to the active user pays prompt message and first biology
After at least part information of account corresponding to characteristic information, methods described also includes：
When it is determined that the payment prompt message meets specific payment scene, indicate that the active user passes through the biology of input second
Characteristic information assigns the payment affirmation instruction；
The specific payment scene includes：The amount of money to be paid is more than given threshold.
7. the method as described in claim 1, if payment affirmation instruction is special by the biology of active user input second
Reference breath is assigned, described to be instructed according to the payment affirmation, and the account corresponding to first biological information is paid,
Specifically include：
Instructed according to the payment affirmation, obtain the second biological information of active user's input；
Second biological information is verified；
After being verified to second biological information, the account corresponding to first biological information is propped up
Pay.
8. the method as described in any one of claim 1~7, first biological information is iris information.
9. the method as described in any one of claim 1~7, second biological information is finger print information.
10. a kind of payment mechanism, including：
Acquisition module, obtain the first biological information of active user；
Determining module, determine account corresponding to first biological information；
Payment module, after the payment affirmation instruction that the active user assigns is received, instructed, used according to the payment affirmation
Account corresponding to first biological information is paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control operation
Assign.
11. device as claimed in claim 10, the determining module determines account corresponding to first biological information,
Specifically include：
The determining module carries out each group characteristic information in first biological information and predetermined characteristic information storehouse
Matching, obtain at least one set of characteristic information that the match is successful；
Account corresponding to the characteristic information difference that the match is successful according to each group, determines that first biological information is corresponding
Account；
Wherein, each group characteristic information and its corresponding account are by different user rear preservation registered in advance.
12. device as claimed in claim 11, the acquisition module obtains the first biological information of active user, specifically
Including：
The acquisition module obtains the first biological information and the 3rd biological information of active user；
Account corresponding to the determining module characteristic information that the match is successful according to each group difference, determine first biology
Account corresponding to characteristic information, is specifically included：
The determining module verifies whether the characteristic information that the match is successful described in each group belongs to according to the 3rd biological information
In the active user；
Determine to belong in account corresponding to the characteristic information of the active user by the checking, determine at least one account
Family, as account corresponding to first biological information.
13. device as claimed in claim 12, the 3rd biological information is face information.
14. device as claimed in claim 10, described device also include：
Module is provided, after the determining module determines account corresponding to first biological information, in the payment mould
Before block receives the payment affirmation instruction that the active user assigns, provided to the active user and pay prompt message, and
At least part information of account corresponding to first biological information and/or at least part information of active user, so as to
The payment affirmation instruction is assigned in the active user.
15. device as claimed in claim 14, the offer module provides to the active user pays prompt message and institute
After at least part information for stating account corresponding to the first biological information, when it is determined that the payment prompt message meets specific branch
When paying scene, indicate that the active user assigns the payment affirmation instruction by inputting the second biological information；The spy
Surely paying scene includes：The amount of money to be paid is more than given threshold.
16. device as claimed in claim 10, if payment affirmation instruction passes through the biology of active user input second
Characteristic information is assigned, and the payment module instructs according to the payment affirmation, the account corresponding to first biological information
Family is paid, and is specifically included：
The payment module instructs according to the payment affirmation, obtains the second biological information of active user's input；
Second biological information is verified；
After being verified to second biological information, the account corresponding to first biological information is propped up
Pay.
17. the device as described in any one of claim 10~16, first biological information is iris information.
18. the device as described in any one of claim 10~16, second biological information is finger print information.
19. a kind of payment system, including terminal, server；
The terminal obtains the first biological information of active user, and is sent to the server；
The server determines account corresponding to first biological information；
The server is after the payment affirmation instruction that the active user is assigned by the terminal is received, according to the branch
Pay and confirm instruction, the account corresponding to first biological information is paid；
Wherein, the payment affirmation instruction inputs the second biological information by the active user or carries out control operation
Assign.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710267040.6A CN107369020A (en) | 2017-04-21 | 2017-04-21 | A kind of method of payment, apparatus and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710267040.6A CN107369020A (en) | 2017-04-21 | 2017-04-21 | A kind of method of payment, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107369020A true CN107369020A (en) | 2017-11-21 |
Family
ID=60304328
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710267040.6A Pending CN107369020A (en) | 2017-04-21 | 2017-04-21 | A kind of method of payment, apparatus and system |
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| CN108022102A (en) * | 2017-12-04 | 2018-05-11 | 阿里巴巴集团控股有限公司 | A kind of auth method, device and equipment |
| CN108305375A (en) * | 2018-01-16 | 2018-07-20 | 西安艾润物联网技术服务有限责任公司 | Odd change method, self-service payment terminal and the readable storage medium storing program for executing of self-help charging |
| CN109299594A (en) * | 2018-09-04 | 2019-02-01 | 阿里巴巴集团控股有限公司 | Auth method and device |
| CN110046898A (en) * | 2018-01-17 | 2019-07-23 | 北京君林科技股份有限公司 | Group technology, device and the method for payment of account information, device |
| WO2019140545A1 (en) * | 2018-01-16 | 2019-07-25 | 西安艾润物联网技术服务有限责任公司 | Self-service payment change-giving method, self-service payment terminal and readable storage medium |
| CN110135250A (en) * | 2019-04-08 | 2019-08-16 | 一脉通(深圳)智能科技有限公司 | A kind of auth method based on bio-identification, device, equipment and readable medium |
| CN110472589A (en) * | 2019-08-19 | 2019-11-19 | 中国银行股份有限公司 | A kind of method, apparatus and system of behavior authentication |
| CN110874568A (en) * | 2019-09-27 | 2020-03-10 | 银河水滴科技（北京）有限公司 | Security check method and device based on gait recognition, computer equipment and storage medium |
| CN111275446A (en) * | 2020-01-17 | 2020-06-12 | 北京意锐新创科技有限公司 | Payment method and device of integrated semiconductor fingerprint module |
| CN112967060A (en) * | 2021-02-22 | 2021-06-15 | 中国工商银行股份有限公司 | Payment method and device based on biological characteristic information |
| CN113139811A (en) * | 2021-04-26 | 2021-07-20 | 中国工商银行股份有限公司 | Compound authentication payment method and device and server |
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| CN111275446A (en) * | 2020-01-17 | 2020-06-12 | 北京意锐新创科技有限公司 | Payment method and device of integrated semiconductor fingerprint module |
| CN112967060A (en) * | 2021-02-22 | 2021-06-15 | 中国工商银行股份有限公司 | Payment method and device based on biological characteristic information |
| CN113139811A (en) * | 2021-04-26 | 2021-07-20 | 中国工商银行股份有限公司 | Compound authentication payment method and device and server |
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