CN107423979B - Payment method and device, computer device and readable storage medium - Google Patents
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- CN107423979B CN107423979B CN201710524050.3A CN201710524050A CN107423979B CN 107423979 B CN107423979 B CN 107423979B CN 201710524050 A CN201710524050 A CN 201710524050A CN 107423979 B CN107423979 B CN 107423979B
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention relates to a payment method and a device, a computer device and a readable storage medium, wherein the payment method comprises the following steps: if a payment request aiming at a login account of a payment application is received, obtaining information for authorizing payment through a terminal; matching the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account; and if the matching is successful, completing the payment through a preset associated account. By implementing the technical scheme of the invention, when the payment application installed on the terminal is used for payment, the information for authorizing the payment of the preset associated account of the login account of the payment application is acquired through the terminal, and when the acquired information for authorizing the payment of the preset associated account is matched with the payment authorization information of the preset associated account, the payment is completed through the preset associated account, namely the payment can be performed through the preset associated account without switching the account, so that the operation is simple and convenient, and the safety is high.
Description
Technical Field
The present invention relates to the field of communications, and more particularly, to a payment method and apparatus, a computer apparatus, and a readable storage medium.
Background
With the development of terminal technology, more and more terminal devices are going into the work and life of people, and convenience is provided for the work and life of people.
The terminal is exemplified by a mobile phone, and various functions can be realized by installing various application programs on the mobile phone. For example, after a payment application is installed on a mobile phone and a registered account is used to log in the payment application, payment can be completed through the logged-in account.
The existing payment application program can only carry out payment by logging in an account when a payment event occurs, so that the property sharing of groups such as family members and the like cannot be realized. For example, when someone wants to purchase a certain commodity on the internet, the balance in the account of the payment application of the person is insufficient, and the payment cannot be completed, and wants to ask a friend to complete the payment, the existing method is to input the account information of the friend through the payment service of other people provided by a payment application program, so as to send a payment event to the account of the friend, and after the friend logs in the payment application by using a mobile phone, the payment of the payment event is completed through the account of the friend. In this way, the operation is very cumbersome.
Disclosure of Invention
The present invention is directed to a payment method and apparatus, a computer apparatus, and a readable storage medium, which are provided to solve the above-mentioned drawbacks of the prior art.
The technical scheme adopted by the invention for solving the technical problems is as follows: provided is a payment method applied to a terminal installed with a payment application, the payment method including:
if a payment request aiming at the login account of the payment application is received, obtaining information for authorizing payment through the terminal;
matching the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account;
and if the matching is successful, completing the payment through the preset associated account.
Preferably, the receiving a payment request for a login account of the payment application comprises:
when a payment request aiming at a login account of the payment application is received, prompting account options for payment, wherein the account options for payment comprise the login account and a preset associated account of the login account;
and if the selection operation aiming at the preset associated account is detected, obtaining information for authorizing payment through the terminal.
Preferably, the matching the obtained information for authorizing payment with the payment authorization information of the preset associated account of the login account includes:
obtaining payment authorization information of the preset associated account from a cloud server;
matching the obtained information for authorizing payment with the payment authorization information of the preset associated account; or
The matching of the obtained information for authorizing payment with the payment authorization information of the preset associated account of the login account comprises:
obtaining payment authorization information of the preset associated account pre-stored by the terminal;
and matching the obtained information for authorizing payment with the payment authorization information of the preset associated account.
Preferably, the payment method further comprises:
and respectively informing the login account and the preset associated account of the payment result.
Preferably, the completing payment through the preset associated account includes:
judging whether the payment amount corresponding to the payment request is larger than a preset payment limit of the preset associated account or not;
and if not, completing payment through the preset associated account.
Preferably, the payment authorization information includes:
biometric information; or
A password; or
Combinations thereof.
Provided is a payment apparatus applied to a terminal installed with a payment application, the payment apparatus including:
an information acquisition unit configured to acquire, by the terminal, information for authorizing payment when a payment request for a login account of the payment application is received;
the matching unit is used for matching the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account;
and the payment control unit is used for successfully matching the obtained information for authorizing payment with the payment authorization information of the preset associated account and finishing payment through the preset associated account.
Preferably, the information acquisition unit includes:
the prompting module is used for prompting account options for payment when a payment request aiming at a login account of the payment application is received, wherein the account options for payment comprise the login account and a preset associated account of the login account;
the information acquisition module is used for acquiring information for authorizing payment through the terminal when the selection operation aiming at the preset associated account is detected;
the matching unit includes:
the first acquisition module is used for acquiring payment authorization information of the preset associated account from a cloud server;
the matching module is used for matching the obtained information for authorizing payment with the payment authorization information of the preset associated account; or
The matching unit includes:
the second acquisition module is used for acquiring payment authorization information of the preset associated account, which is pre-stored by the terminal;
the matching module is used for matching the obtained information for authorizing payment with the payment authorization information of the preset associated account;
the payment control unit includes:
the judging module is used for judging whether the payment amount corresponding to the payment request is larger than the preset payment limit of the preset associated account or not;
the control module is used for completing payment through the preset associated account when the payment amount corresponding to the payment request is less than or equal to the preset payment limit of the preset associated account;
the payment authorization information includes:
biometric information; or
A password; or
Combinations thereof.
There is provided a computer arrangement comprising a processor for implementing the steps of a payment method as claimed in any one of the preceding claims when executing a computer program stored in a memory.
There is provided a readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of a payment method as claimed in any one of the preceding claims.
By implementing the technical scheme of the invention, when the payment application installed on the terminal is used for payment, the information for authorizing the payment of the preset associated account of the login account of the payment application is acquired through the terminal, and when the acquired information for authorizing the payment of the preset associated account is matched with the payment authorization information of the preset associated account, the payment is completed through the preset associated account, namely the payment can be performed through the preset associated account without switching the account, so that the operation is simple and convenient, and the safety is high.
Drawings
The invention will be further described with reference to the accompanying drawings and examples, in which:
FIG. 1 is a flow chart of a first embodiment of a payment method of the present invention;
FIG. 2 is a flow chart of a third embodiment of a payment method of the present invention;
fig. 3 is a functional block diagram of a first embodiment of the payment device of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, fig. 1 is a diagram of a payment method provided by the present invention, where the payment method of the embodiment may be applied to a terminal, and a payment application is installed on the terminal. The terminal includes, but is not limited to, a mobile terminal, a tablet computer, a smart watch, a smart bracelet, a notebook computer, a desktop computer, an MP3, an MP4, and the like. As shown in fig. 1, the payment method of this embodiment includes the steps of:
s11: and if a payment request aiming at the login account of the payment application is received, acquiring information for authorizing payment through the terminal.
The login account of the payment application is a registered account of the payment application, and usually the login account needs to be verified through a real name, that is, for the same payment application, a user who is verified through the real name only has one login account. In addition, most of the login accounts of the payment applications also realize one-to-one binding with the mobile phone or the mailbox. In addition, the login account needs to be preset with payment authorization information, such as a payment password or biometric information such as a fingerprint and an iris.
When the terminal receives a payment request aiming at the current login account of the payment application, the terminal prompts to input information for authorizing payment, and if the preset payment authorization information takes a password as an example, the terminal displays a payment password input box to prompt a user to input a payment password. The preset payment authorization information is the biological characteristic information, the user is prompted to input the biological characteristic information, and the biological characteristic information acquisition module is called to acquire information, for example, the fingerprint acquisition module is called to acquire fingerprint information, and the iris acquisition module is called to acquire iris information.
S12: and matching the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account.
In this embodiment, preset associated accounts of login accounts of the payment application are preset, one login account may have a plurality of preset associated accounts, and payment authorization information of each preset associated account is stored.
The setting of the preset associated account can be realized in various ways:
method 1
The first terminal user logs in the payment application A by using the login account of the first terminal user, and sends an association setting request to at least one other terminal provided with the payment application A through the payment application A, wherein the association setting request comprises login account information of an initiator. When the payment application A on at least one other terminal is running (either foreground running or background running), the association setting request received by the other terminal user is prompted, if a confirmation instruction input by the other terminal user is received, the login account information and the payment authorization information of the login account of the other terminal user are obtained, and the obtained login account information and the obtained payment authorization information of the login account of the other terminal user are sent to the first terminal as a response to the association setting request. And if a rejection instruction input by the other terminal user is received, not responding to the association setting request or generating rejection information and sending the rejection information to the first terminal. And the first terminal stores the received login account information of other terminal users and the corresponding payment authorization information as a preset associated account of the login account of the first terminal user and the corresponding payment authorization information. Thereby completing the setting of the preset associated account.
Method two
The method comprises the steps that a first terminal user logs in a payment application A by using a login account of the first terminal user, generates an association setting request based on at least one piece of other login account information through the payment application A, and sends the association setting request to a server, wherein multiple groups of login accounts and payment authorization information are correspondingly stored in the server, and one login account corresponds to at least one piece of payment authorization information. The server sends an association setting request to the respective at least one other login account. And prompting the received association setting request on at least one other terminal running the payment application A logged in by using the at least one login account, and returning a response instruction input by the other terminal user for the association setting request to the server. And for other login accounts with the returned response instruction as a confirmation instruction, the server sends the other login accounts and the payment authorization information thereof to the first terminal, and the first terminal stores the received login account information of other terminal users and the corresponding payment authorization information as a preset associated account of the login account of the first terminal user and the corresponding payment authorization information, so that the setting of the preset associated account is completed. For other login accounts with returned response instructions as rejection instructions, the server does not respond to the association setting requests for the other login accounts or generates rejection information of the other login accounts and sends the rejection information to the first terminal.
Method III
The method comprises the steps that a first terminal user logs in a payment application A by using a login account of the first terminal user, generates an association setting request based on at least one piece of other login account information through the payment application A, and sends the association setting request to a server, wherein multiple groups of login accounts and payment authorization information are correspondingly stored in the server, and one login account corresponds to at least one piece of payment authorization information. The server sends an association setting request to the respective at least one other login account. And prompting the received association setting request on at least one other terminal running the payment application A logged in by using the at least one login account, and returning a response instruction input by the other terminal user for the association setting request to the server. And for other login accounts with the returned response instructions as confirmation instructions, the server takes the login accounts as preset associated accounts of the login account of the first terminal user, and creates and stores information for recording the association relationship. For example, the login account of the first terminal user is correspondingly stored with the preset associated account and the payment authorization information of the preset associated account. And returns the information of successful setting to the first terminal. For other login accounts with returned response instructions as rejection instructions, the server does not respond to the association setting requests for the other login accounts or generates rejection information of the other login accounts and sends the rejection information to the first terminal.
In this embodiment, in order to be compatible with the existing payment verification method, step S12 includes the following sub-steps:
s121: matching the obtained information for authorizing payment with the payment authorization information of the login account;
s122: if the matching is successful, completing payment through logging in an account;
s123: and if the matching fails, matching the obtained information for authorized payment with payment authorization information of a preset associated account of the login account.
When the setting of the preset associated account is completed by the first and second methods, the preset associated account information is stored in the first terminal by the payment authorization information thereof, and the substep S123 specifically includes:
obtaining payment authorization information of a preset associated account pre-stored by a terminal;
and matching the obtained information for authorizing payment with payment authorization information of a preset associated account.
The payment authorization information comprises biometric information, or a password, or a combination of the biometric information and the password. The biometric information includes fingerprint information or iris information.
When the setting of the preset associated account is completed by the third method, the preset associated account information and the payment authorization information thereof are stored in the server, and the substep S123 specifically includes:
generating an authorized payment information matching request according to the obtained information for authorized payment and sending the request to a server;
and receiving a matching result returned by the server aiming at the authorized payment information matching request.
And the matching result comprises matching success or matching failure.
Or, when the setting of the preset associated account is completed by the third method, the substep S123 specifically includes:
obtaining payment authorization information of a preset associated account from a cloud server;
and matching the obtained information for authorizing payment with payment authorization information of a preset associated account.
Specifically, the terminal generates a preset associated information acquisition request and sends the preset associated information acquisition request to the cloud server, and the cloud server acquires locally stored preset associated account information of a login account of the terminal and payment authorization information of the preset associated account and returns the acquired preset associated account information and the payment authorization information thereof to the terminal as a response to the preset associated information acquisition request.
The terminal matches the obtained information for authorizing payment with payment authorization information of a preset associated account received from the cloud server.
S13: and if the obtained information for authorized payment is successfully matched with the payment authorization information of the preset associated account of the login account, completing payment through the preset associated account.
If the matching result in the step S12 is a successful matching, in step S13, the payment is completed through the corresponding preset associated account, specifically, the step S13 includes:
judging whether the payment amount corresponding to the payment request is larger than a preset payment limit of a preset associated account or not;
if not, the payment is finished through the preset associated account.
For example, the login account of the payment application of dad is set as the associated account of the login account of the payment application of daughter, when the daughter needs to pay for shopping, the balance of dad finds that the balance is insufficient, and dad can directly input the fingerprint of dad on the mobile phone of daughter, so that the payment can be completed by using the account of dad. The operation is convenient and fast, and the safety is high.
In a second embodiment of the payment method of the invention, with reference to fig. 1, the payment method comprises:
s11, if a payment request aiming at the login account of the payment application is received, obtaining information for authorizing payment through the terminal;
s12, matching the obtained information for authorized payment with the payment authorization information of the preset associated account of the login account;
and S13, if the matching is successful, completing the payment through the preset associated account.
In other embodiments, step S11 includes the following sub-steps:
s111, when a payment request aiming at a login account of a payment application is received, prompting account options for payment, wherein the account options for payment comprise the login account and a preset associated account of the login account;
and S112, if the selection operation aiming at the preset associated account is detected, obtaining information for authorizing payment through the terminal.
In the embodiment, when a payment request for a login account of a payment application is received, an account option is provided for a user to select, and information for authorizing payment of the account selected by the user for payment is acquired through a terminal based on the selection of the user.
The rest of the present embodiment is the same as the first embodiment, and is not described herein again.
In the first embodiment, the obtained information for authorizing payment is compared with the payment authorization information of all the preset associated accounts, and payment is completed by using the preset associated accounts which are successfully matched, while in the second embodiment, the obtained information is the payment authorization information of the preset associated accounts selected by the user to be paid through the preset associated accounts selected by the user, and even if the obtained information is the payment authorization information of other preset associated accounts except the payment authorization information selected by the user, payment cannot be completed.
Fig. 2 is a flowchart of a payment method according to a third embodiment of the present invention, as shown in fig. 3, in this embodiment, the payment method includes:
s21, if a payment request aiming at the login account of the payment application is received, obtaining information for authorizing payment through the terminal;
s22, matching the obtained information for authorized payment with the payment authorization information of the preset associated account of the login account;
s23, if the matching is successful, completing the payment through a preset associated account;
and S24, respectively informing the login account and the preset associated account of the payment result.
In step S24 of this embodiment, whether the payment result is successful or failed, the payment result is respectively passed through the login account to the terminal and the preset associated account for performing the payment this time.
The rest of the present embodiment is the same as the first embodiment, and is not described herein again.
Fig. 3 is a functional block diagram of a first embodiment of the payment apparatus of the present invention, as shown in fig. 3, in this embodiment, the payment apparatus 300 includes:
an information acquisition unit 310 for acquiring, by the terminal, information for authorizing payment when a payment request for a login account of a payment application is received;
the matching unit 320 is configured to match the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account;
and the payment control unit 330 is configured to successfully match the obtained information for authorizing payment with payment authorization information of the preset associated account, and complete payment through the preset associated account.
In this embodiment, the login account of the payment application is a registered account of the payment application, and usually the login account needs to be authenticated by a real name, that is, for the same payment application, only one login account can be owned by one user authenticated by the real name. In addition, most of the login accounts of the payment applications also realize one-to-one binding with the mobile phone or the mailbox. In addition, the login account needs to be preset with payment authorization information, such as a payment password or biometric information such as a fingerprint and an iris.
When the terminal receives a payment request aiming at the current login account of the payment application, the terminal prompts to input information for authorizing payment, and if the preset payment authorization information takes a password as an example, the terminal displays a payment password input box to prompt a user to input a payment password. The preset payment authorization information is the biological characteristic information, the user is prompted to input the biological characteristic information, and the biological characteristic information acquisition module is called to acquire information, for example, the fingerprint acquisition module is called to acquire fingerprint information, and the iris acquisition module is called to acquire iris information.
In other embodiments, the information obtaining unit 310 includes:
the prompting module is used for prompting account options for payment when a payment request aiming at a login account of the payment application is received, wherein the account options for payment comprise the login account and a preset associated account of the login account;
and the information acquisition module is used for acquiring information for authorizing payment through the terminal when the selection operation aiming at the preset associated account is detected.
In this other embodiment, upon receiving a payment request for a login account of a payment application, an account option is provided for selection by a user, and information for authorizing payment by the account for payment selected by the user is obtained by the terminal based on the selection of the user.
In the first embodiment of the payment apparatus 300, preset associated accounts of login accounts of the payment application are preset, one login account may have a plurality of preset associated accounts, and payment authorization information of each preset associated account is stored.
The setting of the preset associated account can be realized in various ways:
method 1
The first terminal user logs in the payment application A by using the login account of the first terminal user, and sends an association setting request to at least one other terminal provided with the payment application A through the payment application A, wherein the association setting request comprises login account information of an initiator. When the payment application A on at least one other terminal is running (either foreground running or background running), the association setting request received by the other terminal user is prompted, if a confirmation instruction input by the other terminal user is received, the login account information and the payment authorization information of the login account of the other terminal user are obtained, and the obtained login account information and the obtained payment authorization information of the login account of the other terminal user are sent to the first terminal as a response to the association setting request. And if a rejection instruction input by the other terminal user is received, not responding to the association setting request or generating rejection information and sending the rejection information to the first terminal. And the first terminal stores the received login account information of other terminal users and the corresponding payment authorization information as a preset associated account of the login account of the first terminal user and the corresponding payment authorization information. Thereby completing the setting of the preset associated account.
Method two
The method comprises the steps that a first terminal user logs in a payment application A by using a login account of the first terminal user, generates an association setting request based on at least one piece of other login account information through the payment application A, and sends the association setting request to a server, wherein multiple groups of login accounts and payment authorization information are correspondingly stored in the server, and one login account corresponds to at least one piece of payment authorization information. The server sends an association setting request to the respective at least one other login account. And prompting the received association setting request on at least one other terminal running the payment application A logged in by using the at least one login account, and returning a response instruction input by the other terminal user for the association setting request to the server. And for other login accounts with the returned response instruction as a confirmation instruction, the server sends the other login accounts and the payment authorization information thereof to the first terminal, and the first terminal stores the received login account information of other terminal users and the corresponding payment authorization information as a preset associated account of the login account of the first terminal user and the corresponding payment authorization information, so that the setting of the preset associated account is completed. For other login accounts with returned response instructions as rejection instructions, the server does not respond to the association setting requests for the other login accounts or generates rejection information of the other login accounts and sends the rejection information to the first terminal.
Method III
The method comprises the steps that a first terminal user logs in a payment application A by using a login account of the first terminal user, generates an association setting request based on at least one piece of other login account information through the payment application A, and sends the association setting request to a server, wherein multiple groups of login accounts and payment authorization information are correspondingly stored in the server, and one login account corresponds to at least one piece of payment authorization information. The server sends an association setting request to the respective at least one other login account. And prompting the received association setting request on at least one other terminal running the payment application A logged in by using the at least one login account, and returning a response instruction input by the other terminal user for the association setting request to the server. And for other login accounts with the returned response instructions as confirmation instructions, the server takes the login accounts as preset associated accounts of the login account of the first terminal user, and creates and stores information for recording the association relationship. For example, the login account of the first terminal user is correspondingly stored with the preset associated account and the payment authorization information of the preset associated account. And returns the information of successful setting to the first terminal. For other login accounts with returned response instructions as rejection instructions, the server does not respond to the association setting requests for the other login accounts or generates rejection information of the other login accounts and sends the rejection information to the first terminal.
In this embodiment, in order to be compatible with the existing payment verification method, the matching unit 320 includes:
the first matching subunit is used for matching the acquired information for authorized payment with the payment authorization information of the login account;
the payment subunit is used for completing payment through the login account when the obtained information for authorizing payment is successfully matched with the payment authorization information of the login account;
and the second matching subunit is used for matching the acquired information for authorized payment with the payment authorization information of the preset associated account of the login account when the acquired information for authorized payment fails to be matched with the payment authorization information of the login account.
When the setting of the preset associated account is completed by the first and second methods, the preset associated account information is stored in the first terminal by the payment authorization information thereof, and the second matching subunit specifically includes:
the second acquisition module is used for acquiring payment authorization information of a preset associated account stored in advance by the terminal;
and the second matching module is used for matching the obtained information for authorizing payment with the payment authorization information of the preset associated account.
The payment authorization information comprises biometric information, or a password, or a combination of the biometric information and the password. The biometric information includes fingerprint information or iris information.
When the setting of the preset associated account is completed through the third method, the preset associated account information and the payment authorization information thereof are stored in the server, and the second matching subunit specifically includes:
the matching request generating module is used for generating an authorized payment information matching request according to the obtained information for authorized payment and sending the authorized payment information matching request to the server;
and the matching result receiving module is used for receiving a matching result returned by the server aiming at the authorized payment information matching request.
And the matching result comprises matching success or matching failure.
Or, when the setting of the preset associated account is completed by the third method, the second matching subunit specifically includes:
the first acquisition module is used for acquiring payment authorization information of a preset associated account from the cloud server;
and the first matching module is used for matching the acquired information for authorizing payment with payment authorization information of a preset associated account.
Specifically, the terminal generates a preset associated information acquisition request and sends the preset associated information acquisition request to the cloud server, and the cloud server acquires locally stored preset associated account information of a login account of the terminal and payment authorization information of the preset associated account and returns the acquired preset associated account information and the payment authorization information thereof to the terminal as a response to the preset associated information acquisition request.
The terminal matches the obtained information for authorizing payment with payment authorization information of a preset associated account received from the cloud server.
In the present embodiment, the payment control unit 330 includes:
the judging module is used for judging whether the payment amount corresponding to the payment request is larger than the preset payment limit of the preset associated account or not;
and the control module is used for finishing payment through the preset associated account when the payment amount corresponding to the payment request is less than or equal to the preset payment limit of the preset associated account.
For example, the login account of the payment application of dad is set as the associated account of the login account of the payment application of daughter, when the daughter needs to pay for shopping, the balance of dad finds that the balance is insufficient, and dad can directly input the fingerprint of dad on the mobile phone of daughter, so that the payment can be completed by using the account of dad. The operation is convenient and fast, and the safety is high.
In other embodiments, the payment apparatus may further include:
and the notification unit is used for respectively notifying the login account and the preset associated account of the payment result.
The rest of the other embodiments are the same as the first embodiment of the payment apparatus 300, and are not described herein again.
The invention also provides a computer arrangement comprising a processor for implementing the steps of the payment method as described in any one of the embodiments above when executing a computer program stored in a memory.
The invention also provides a readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the payment method as described in any one of the embodiments above.
It will be understood by those skilled in the art that all or part of the processes in the methods of the embodiments described above may be implemented by instructing relevant hardware through a computer program, where the program may be stored in a readable storage medium of a terminal device such as a computer or a mobile phone, and when executed, the program may include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
It is to be understood that the foregoing examples, while indicating the preferred embodiments of the invention, are given by way of illustration and description, and are not to be construed as limiting the scope of the invention; it should be noted that, for those skilled in the art, the above technical features can be freely combined, and several changes and modifications can be made without departing from the concept of the present invention, which all belong to the protection scope of the present invention; therefore, all equivalent changes and modifications made within the scope of the claims of the present invention should be covered by the claims of the present invention.
Claims (10)
1. A payment method is applied to a terminal installed with a payment application, and is characterized by comprising the following steps:
if a payment request aiming at the current login account of the payment application is received, obtaining information for authorizing payment through the terminal;
matching the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account; the preset associated account of the login account and the corresponding payment authorization information are login account information of other terminal users and the corresponding payment authorization information;
and if the matching is successful, completing the payment through the preset associated account.
2. The payment method of claim 1, wherein the receiving a payment request for a login account of the payment application comprises:
when a payment request aiming at a login account of the payment application is received, prompting account options for payment, wherein the account options for payment comprise the login account and a preset associated account of the login account;
and if the selection operation aiming at the preset associated account is detected, obtaining information for authorizing payment through the terminal.
3. The payment method according to claim 1, wherein the matching of the obtained information for authorizing payment with the payment authorization information of the preset associated account of the login account comprises:
obtaining payment authorization information of the preset associated account from a cloud server;
matching the obtained information for authorizing payment with the payment authorization information of the preset associated account; or
The matching of the obtained information for authorizing payment with the payment authorization information of the preset associated account of the login account comprises:
obtaining payment authorization information of the preset associated account pre-stored by the terminal;
and matching the obtained information for authorizing payment with the payment authorization information of the preset associated account.
4. A payment method as recited in claim 1, wherein the payment method further comprises:
and respectively informing the login account and the preset associated account of the payment result.
5. The payment method of claim 1, wherein said completing payment via said predetermined associated account comprises:
judging whether the payment amount corresponding to the payment request is larger than a preset payment limit of the preset associated account or not;
and if not, completing payment through the preset associated account.
6. The payment method of claim 1, wherein the payment authorization information comprises:
biometric information; or
A password; or
Combinations thereof.
7. A payment device applied to a terminal installed with a payment application, the payment device comprising:
the information acquisition unit is used for acquiring information for authorizing payment through the terminal when receiving a payment request aiming at a current login account of the payment application;
the matching unit is used for matching the obtained information for authorizing payment with payment authorization information of a preset associated account of the login account; the preset associated account of the login account and the corresponding payment authorization information are login account information of other terminal users and the corresponding payment authorization information;
and the payment control unit is used for successfully matching the obtained information for authorizing payment with the payment authorization information of the preset associated account and finishing the payment through the preset associated account.
8. The payment apparatus according to claim 7, wherein the information acquisition unit includes:
the prompting module is used for prompting account options for payment when a payment request aiming at a login account of the payment application is received, wherein the account options for payment comprise the login account and a preset associated account of the login account;
the information acquisition module is used for acquiring information for authorizing payment through the terminal when the selection operation aiming at the preset associated account is detected;
the matching unit includes:
the first acquisition module is used for acquiring payment authorization information of the preset associated account from a cloud server;
the matching module is used for matching the obtained information for authorizing payment with the payment authorization information of the preset associated account; or
The matching unit includes:
the second acquisition module is used for acquiring payment authorization information of the preset associated account, which is pre-stored by the terminal;
the matching module is used for matching the obtained information for authorizing payment with the payment authorization information of the preset associated account;
the payment control unit includes:
the judging module is used for judging whether the payment amount corresponding to the payment request is larger than the preset payment limit of the preset associated account or not;
the control module is used for completing payment through the preset associated account when the payment amount corresponding to the payment request is less than or equal to the preset payment limit of the preset associated account;
the payment authorization information includes:
biometric information; or
A password; or
Combinations thereof.
9. A computer arrangement, characterized in that the computer arrangement comprises a processor for implementing the steps of the payment method as claimed in any one of claims 1-6 when executing a computer program stored in a memory.
10. A readable storage medium, having stored thereon a computer program, characterized in that the computer program, when being executed by a processor, carries out the steps of the payment method according to any one of claims 1-6.
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| CN110659894A (en) * | 2019-09-17 | 2020-01-07 | 中国银联股份有限公司 | Information processing method, device, equipment and computer readable storage medium |
| CN110798446B (en) * | 2019-09-18 | 2021-09-17 | 平安科技（深圳）有限公司 | Mail batch authorization method and device, computer equipment and storage medium |
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