CN107563759A - One kind pays method for authenticating and mobile terminal - Google Patents

One kind pays method for authenticating and mobile terminal Download PDF

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Publication number
CN107563759A
CN107563759A CN201710726327.0A CN201710726327A CN107563759A CN 107563759 A CN107563759 A CN 107563759A CN 201710726327 A CN201710726327 A CN 201710726327A CN 107563759 A CN107563759 A CN 107563759A
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China
Prior art keywords
payment
information
user
biological information
real
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CN201710726327.0A
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Chinese (zh)
Inventor
雷臣吉
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Vivo Mobile Communication Co Ltd
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Vivo Mobile Communication Co Ltd
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Priority to CN201710726327.0A priority Critical patent/CN107563759A/en
Publication of CN107563759A publication Critical patent/CN107563759A/en
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Abstract

Paying method for authenticating and mobile terminal, wherein methods described the embodiments of the invention provide one kind includes:The first biological information of user is gathered, obtains the second biological information bound with the real-name authentication information of payment account;Judge whether first biological information matches with second biological information;If first biological information and second biometric information matches, record this payment behavior and respond payment request.By payment method for authenticating and mobile terminal provided in an embodiment of the present invention, the payment behavior of non-real name user can be effectively prevented, improves the security of payment.

Description

One kind pays method for authenticating and mobile terminal
Technical field
The present invention relates to secure payment technical field, and method for authenticating and mobile terminal are paid more particularly to one kind.
Background technology
With the development and progress of science and technology, intelligent mobile terminal is popularized in human society, and Alipay, wechat are paid etc. E-payment technology based on mobile terminal is even more to develop rapidly, and the life of people is greatly facilitated, also therewith to people's Life style generates huge change.Nowadays mobile terminal user, which gos out, substantially only needs to take mobile terminal, you can logical Cross e-payment and complete various payments in daily life.
While e-payment offers convenience for user on mobile terminal, there is also following drawback cause user's wealth by Damage.At present, e-payment mainly carries out safety verification by fingerprint, password on mobile terminal.In actual use, pay Password may be known by other people to be paid using it;And the fingerprint for being used for payment authentication can also after payment cipher is learned It is modified, other people still can complete to pay according to the payment cipher known and amended fingerprint.
It can be seen that existing payment authentication mode security is poor.
The content of the invention
The embodiment of the present invention provides a kind of payment method for authenticating and mobile terminal, to solve to pay present in prior art The problem of authentication mode security difference.
According to one aspect of the present invention, there is provided one kind pays method for authenticating, and methods described includes:Gather the of user One biological information, obtain the second biological information bound with the real-name authentication information of payment account;Judge described Whether one biological information matches with second biological information;If first biological information and described second Biometric information matches, then record this payment behavior and respond payment request.
According to another aspect of the present invention, there is provided a kind of mobile terminal, including:First acquisition module, used for gathering First biological information at family, obtain the second biological information bound with the real-name authentication information of payment account;Feature Judge module, for judging whether first biological information matches with second biological information;Processing module, If for first biological information and second biometric information matches, record this payment behavior and respond branch Pay request.
According to another aspect of the invention, there is provided a kind of mobile terminal, including:Memory, processor and it is stored in institute The computer program that can be run on memory and on the processor is stated, when the computer program is by the computing device Realize such as any the step of paying method for authenticating in claims.
In accordance with a further aspect of the present invention, there is provided a kind of computer-readable recording medium, the computer-readable storage Computer program is stored with medium, is realized when the computer program is executed by processor as any in claims The step of paying method for authenticating.
Compared with prior art, the present invention has advantages below:
Payment method for authenticating and mobile terminal provided by the invention, according to what is bound with the real-name authentication information of payment account Second biological information carries out payment authentication, and because the second biological information and real-name authentication information are bound, and real name is recognized Card information can prove the identity of unique real name user, if therefore the second biological information be verified, you can confirm this Pay and initiated by real name user, not other people initiate, therefore can effectively prevent the paying bank of non-real name user To improve the security of payment.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention, And can be practiced according to the content of specification, and in order to allow above and other objects of the present invention, feature and advantage can Become apparent, below especially exemplified by the embodiment of the present invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, various advantages and benefit are for ordinary skill people Member will be clear understanding.Accompanying drawing is only used for showing preferred embodiment, and is not considered as limitation of the present invention.And In whole accompanying drawing, identical part is denoted by the same reference numerals.In the accompanying drawings:
Fig. 1 is a kind of step flow chart of according to embodiments of the present invention one payment method for authenticating;
Fig. 2 is a kind of step flow chart of according to embodiments of the present invention two payment method for authenticating;
Fig. 3 is according to embodiments of the present invention three a kind of real-name authentication information for establishing payment account and the second biological characteristic The step flow chart of binding relationship between information;
Fig. 4 is a kind of structured flowchart of according to embodiments of the present invention four mobile terminal;
Fig. 5 is a kind of structured flowchart of according to embodiments of the present invention five mobile terminal;
Fig. 6 is the structured flowchart that binding relationship establishes module;
Fig. 7 is a kind of structured flowchart of according to embodiments of the present invention six mobile terminal;
Fig. 8 is a kind of structured flowchart of according to embodiments of the present invention seven mobile terminal.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in accompanying drawing Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure Completely it is communicated to those skilled in the art.
Embodiment one
Reference picture 1, show a kind of step flow chart of payment method for authenticating of the embodiment of the present invention one.
The payment method for authenticating of the embodiment of the present invention comprises the following steps:
Step 101:Gather the first biological information of user.
In the embodiment of the present invention by payment account completed real name authentication premised on illustrate.Payment account is completed Real name authentication, then illustrate that payment account has bound real-name authentication information, the unique real name user's of payment account certification Identity.
Wherein, the first biological information can include but is not limited to:Finger print information, voiceprint and facial characteristics letter Breath etc.., can also be it should be noted that the collection of the first biological information is not limited to perform before step 102 Performed after step 102.
Step 102:Obtain the second biological information bound with the real-name authentication information of payment account.
Payment account has binding relationship with real-name authentication information, and the second biological nature information is by real-name authentication information The biological information of certification.
Wherein, the second biological information can be finger print information, voiceprint and face feature information etc..
For finger print information, after payment account establishes binding relationship with real-name authentication information, real name user directly enters finger Line, mobile terminal judge whether the finger print information of institute's typing matches with the fingerprint carried in real-name authentication information, will if matching The finger print information of user's typing is defined as the second biological information with payment account binding.Paid for face feature information After account establishes binding relationship with real-name authentication information, real name customer mobile terminal camera, mobile terminal is adopted by camera Collect user's face image, face feature information is identified from face-image, judge that identified face feature information is recognized with real name Whether the face feature information in card information matches, if matching that the face feature information recognized from face-image is true It is set to the second biological information with payment account binding.
For the biological information such as voiceprint not carried in real-name authentication information, voiceprint is being established with paying , it is necessary to the biological information carried in real name user while at least one real-name authentication information of typing during the binding relationship of account And voiceprint, after the biological information carried in real-name authentication information is verified, you can establish voiceprint with The binding relationship of payment account.
Step 103:Judge whether the first biological information matches with the second biological information.
Step 104:If the first biological information and the second biometric information matches, record this payment behavior simultaneously Response pays request.
During by the first biological information and the second biometric information matches, using same organism feature Corresponding matching Principle, such as:Second biological information is face feature information, then the face of user is obtained from the first biological information Characteristic information is matched;Again for example:Second biological characteristic is finger print information, then obtains user from the first biological information Finger print information matched.
If the second biological information is verified, you can confirms that this payment is initiated by real name user, not Other people initiate.
Payment method for authenticating provided in an embodiment of the present invention, according to second bound with the real-name authentication information of payment account Biological information carries out payment authentication, and because the second biological information and real-name authentication information are bound, and real-name authentication is believed Breath can prove the identity of unique real name user, if therefore the second biological information be verified, you can confirm this payment By real name, user initiates, and not other people initiate, therefore can effectively prevent the payment behavior of non-real name user, carry The security paid is risen.
Embodiment two
Reference picture 2, show a kind of step flow chart of payment method for authenticating of the embodiment of the present invention two.
The payment method for authenticating of the embodiment of the present invention specifically includes below scheme:
Step 201:Gather the first biological information of user.
Step 202:Judge whether payment authentication mode is biological characteristic authentication;If so, then perform step 203;If it is not, then Perform step 205.
In actual application, real name user can set payment authentication mode according to the actual requirements, could be arranged to Biological characteristic authentication mode, it can also be provided that common payment cipher authentication mode or payment cipher, fingerprint combination certification etc. Mode.
If payment authentication mode is biological characteristic authentication, pass through second with the binding of the real-name authentication information of payment account Biological information carries out payment authentication.If payment cipher and/or finger print identifying mode, then by payment cipher and/or refer to Line carries out payment authentication.Wherein, real-name authentication information is the user profile carried in real-name authentication certificate, such as:User's face is special Reference breath, user fingerprints information etc..
Step 203:When payment authentication mode is biological characteristic authentication, the real-name authentication information binding of payment account is determined The second biological information.
Binding relationship between the real-name authentication information of payment account and the second biological information can be by accompanying drawing 3 Related procedure establish, for foundation idiographic flow with reference to the related description in embodiment three, in the embodiment of the present invention This is repeated no more.
After the second biological information of real-name authentication information binding for determining payment account, judge that the first biological characteristic is believed Whether breath is matched with the second biological information, and step 204 is performed if matching, if mismatching, is refused to pay.
Step 204:If the first biological information and the second biometric information matches, record this payment behavior simultaneously Response pays request.
If the first biological information and the second biometric information matches, it is determined that the checking of the second biological information is logical Cross, confirm that this payment is initiated by real name user, therefore ask to complete to pay directly in response to paying.Recorded This payment behavior pays the training data of feature as the payment account history.
Step 205:When payment authentication mode is non-biometric certification, or, the real name for being not present in payment account is recognized When demonstrate,proving the second biological information of information binding, judging the payment cipher of the first biological information and/or user's input is It is no to pass through safety verification;If so, then perform step 206;If it is not, then perform the first setting operation.
Wherein, the first setting operation could be arranged to refuse to pay.
In this branch, due to unbound second biological information of payment account, therefore the first biology collected is special Reference is ceased without real-name authentication authentification of message.When carrying out safety verification, if the verification mode that user pre-sets is finger Line is verified, then obtains finger print information from the first biological information, and acquired finger print information and payment account are bound Finger print information is matched, and determines that the first biological information passes through safety verification if matching.Correspondingly, if user sets in advance The verification mode put is verified for payment cipher, then carries out the payment cipher of user's input and the payment cipher of payment account binding Matching, determine that payment cipher passes through safety verification if matching.
Step 206:If by safety verification, judge that this pays feature history corresponding with payment account and paid and be characterized in It is no to be consistent;If being consistent, step 207 is performed;If not being consistent, step 208 is performed.
History corresponding to payment account pays feature and generated in the following manner:Each secondary payment behavior of historical record is entered Row learning training, get paid history corresponding to account and pay feature.If by safety verification, active user need to be determined whether Whether it is real name user.Therefore, custom is paid by the history of real name user come further determine that active user whether be Real name user.
During specific implementation, when whether determine whether active user is real name user, it can also pass through Real name user is judged the history use habit of mobile terminal.Specifically, when payment authentication mode is non-biometric Certification, or, during in the absence of the second biological information with the binding of the real-name authentication information of payment account, judge preset time Whether interior user is consistent using feature to mobile terminal with the history of records in mobile terminal using feature;If being consistent, record This payment behavior simultaneously responds payment request;If not being consistent, the face feature information of user is obtained, according to face feature information The security of user is verified.
It is a kind of preferable to determine whether active user is that the mode of real name user is to pass through real name user's History pays custom and further determines that whether active user is real name user's sheet using feature to the history of mobile terminal People.
When specifically judging, it can be determined that this of active user pays feature history payment spy corresponding with payment account Whether sign is consistent, and determines that active user is consistent with the payment custom of real name user if being consistent.It may determine that in preset time and use Whether family is consistent using feature to mobile terminal with the history of records in mobile terminal using feature, is determined if being consistent current User is consistent with the mobile terminal use habit of real name user.
During mobile terminal use, the custom of each user is different, shows the posture of hand-held mobile terminal, sliding The mode (area that touch-screen is pinned when such as length of slip, time, direction, slip) of dynamic touch-screen, and different time The frequency of use of section, use environment, application program for using etc., mobile terminal can during the use of user usually, Related sensing data (such as touch-screen, earth magnetism, infrared, gravity sensor, gyroscope) is used to user by record, and The data for the different application that user's different time sections use, the use habit of user is analyzed, extracting the history of user makes Use feature.
, it is necessary to be used by the machine learning of certain time, machine learning to enough users in actual application After data volume, the history of user can be paid feature using feature, history and be used to pay the checking in activity.Therefore, in machine During device study is not yet completed, not influence user's normal use payment function on mobile terminals, this payment of user The use feature verification of feature, user to mobile terminal can not by when, still can be by by active user's facial characteristics and real name The facial characteristics included in certification certificate is matched, to carry out payment authentication.
Step 207:If being consistent, record this payment behavior and respond payment request.
If it is consistent, you can confirm that this payment is initiated by real name user, not other people initiate, directly in response to payment Request is completed to pay.This payment behavior recorded pays the training data of feature as the payment account history.
Step 208:If not being consistent, the face feature information of user is obtained, the safety according to face feature information to user Property is verified.
It is current to determine due to feature, use feature of the user to mobile terminal can not be paid by user in this branch Whether user is real name user, it is therefore desirable to is led in the payment cipher that the first biological information of collection and/or user input After crossing safety verification, real name user is determined whether it is by the facial characteristics of active user.
It should be noted that it is not limited to test the security of user according to face feature information in this step Card, the finger print information for being also based on user carry out security to it and verified.This is due to the reality bound in payment account In name authentication information carry finger print information, therefore by will be carried in the finger print information of active user and real-name authentication information Finger print information is matched, you can determines whether active user is real name user.
A kind of preferable facial characteristics for obtaining user, the mode verified according to facial characteristics to the security of user It is as follows:
First, the face-image of user is gathered, facial characteristics is identified from face-image.
The face-image of user can be captured by front camera, is identified according to facial recognition techniques from face-image To facial characteristics.Certainly, if including face feature information in the first biological information gathered in the initial step, you can Directly obtain the face feature information gathered.
It can analyze to obtain the basic identity characteristics such as age bracket, the sex of active user by face feature information.
Secondly, judge whether facial characteristics matches with the facial characteristics in real-name authentication information.
Finally, if matching, record this payment behavior and respond payment request;If mismatching, response, which is paid, asks and adds It is close to record this payment evidence and the face-image of user.
Paying evidence can include but is not limited to:Payment reminders information and/or payment verification information.
Facial characteristics matches, and illustrates the real name user that active user is payment account;Facial characteristics mismatches, then explanation is worked as Preceding user and the real name user of non-payment accounts, but other people are paid in the payment account using real name user.Therefore, it is It is easy to the later stage to carry out retrospect to this payment and record this paying evidence and pay user.Wherein it is possible to pass through video recording Mode records this payment transaction.In addition, being deleted in order to avoid active user will pay evidence after the completion of payment, the present invention is real Apply the face-image encrypting storing that evidence and user will be paid in example.
Payment method for authenticating provided in an embodiment of the present invention, will pay authorizing procedure be subdivided into three payment branches, first It is individual to branch into biological characteristic authentication branch, specifically according to the second biological characteristic bound with the real-name authentication information of payment account Information carries out payment authentication, confirms whether active user is real name user, and whether this pays is initiated by real name user, It is determined that after not real name user initiates, refusal to pay;Second branches into payment cipher or unbound biological characteristic letter Breath, pay feature with reference to history and/or mobile terminal history uses feature, confirm whether active user is real name user;3rd Payment cipher or unbound biological information are branched into, with reference to face feature information, confirms whether active user is real name User, it is determined that payment cipher or unbound biological information by safety verification after, and it is not real to determine active user During name user, this payment transaction of scrambled record, subsequently to be traced to this payment transaction.It can be seen that the present invention is implemented The payment method for authenticating that example provides, the security for the authentication that can more comprehensively guarantee payment, effectively avoids real name user's wealth It is impaired.
Embodiment three
Reference picture 3, show a kind of real-name authentication information for establishing payment account and the second life of the embodiment of the present invention three The step flow chart of binding relationship between thing characteristic information.
Binding between the real-name authentication information of payment account in the embodiment of the present invention and the second biological information is closed The foundation of system comprises the following steps:
Step 301:Judge whether the real-name authentication information of payment account has bound the second biological information;If so, then Perform step 302;If it is not, then perform step 306.
Each payment account binds a real-name authentication certificate, and each real-name authentication certificate corresponds at least one real-name authentication Information, each real-name authentication certificate can authenticate multiple second biological informations, binding relationship established with it.It is that is, each Payment account can establish binding relationship with multiple second biological informations.
Step 302:If having bound the second biological information, the first biological information of user is gathered;From the first life The second biological information is extracted in thing characteristic information to be authenticated.
The first biological information of user gathers in the same time.
Such as:The first biological information gathered includes A, B and C, and A, B are the second biological information, now in advance When increasing the binding relationship of the real-name authentication information of C and payment account, gathered A need to be extracted and/or B is authenticated.Specifically Ground, the A of the user collected and/or B with payment account is obtained into real-name authentication information bound in A, B it is corresponding matched, Determine that authentication passes through if matching, on the contrary then determination authentication does not pass through.
Step 303:Whether the authentication for the second biological information for judging to have bound passes through;If authentication passes through, perform Step 304;If authentication is not by performing the second setting operation.
Wherein, the second setting operation could be arranged to the termination of binding relationship Establishing process.
Step 304:If authentication passes through, judge whether the payment cipher of user's input passes through safety verification;If so, then perform Step 305;If it is not, then perform the 3rd setting operation.
Wherein, the 3rd setting operation could be arranged to judge whether payment cipher checking number exceeds preset value;If so, then Biological information failed authentication is determined, does not update the biological information bound in real-name authentication information, binding relationship is established Flow ends.
Payment account binding has payment cipher, if the payment cipher that user inputs in this step and the branch of payment account binding When paying password match, it is determined that payment cipher passes through safety verification;It is on the contrary, it is determined that the payment cipher of user's input does not pass through peace Full checking.
Step 305:If safety verification by, establish the first biological information and payment account real-name authentication information it Between binding relationship.
The binding that now can then establish between gathered biological information C and the real-name authentication information of payment account is closed System, after the completion of relation is established, payment account will have binding relationship with A, B and C.
Step 306:If unbound second biological information, judge the payment cipher of user's input whether by testing safely Card;If so, then perform step 307;If it is not, then perform the 4th setting operation.
Wherein, the 4th setting operation could be arranged to judge whether payment cipher checking number exceeds preset value;If so, then Freeze payment account.
Step 307:If by safety verification, the first biological information of user is gathered.
Wherein, face feature information is carried in the first biological information.
Step 308:The face feature information carried in the first biological information is judged, with the face in real-name authentication information Whether portion's characteristic information matches.
To determine active user enters exemplified by whether being real name user by face feature information in step 307 to step 308 Row explanation.During specific implementation, due to also carrying finger print information in real-name authentication information, therefore it can be worked as by collection The finger print information of preceding user, determine whether active user is real name user.
Step 309:If matching, the binding established between the first biological information and the real-name authentication information of payment account Relation.
If mismatching, the termination of binding relationship Establishing process may be configured as.
Between the real-name authentication information provided in an embodiment of the present invention for establishing payment account and the second biological information The method of binding relationship, the second biological information need just establish with payment account after real-name authentication Information Authentication Binding relationship.The means of payment is authenticated according to biological characteristic authentication mode, then the second biological information is verified, It can confirm that this payment is initiated by real name user, not other people initiate, therefore can effectively prevent non-real name user My payment behavior, high safety, real name user's wealth can be effectively avoided to be damaged.
Example IV
Reference picture 4, show a kind of structured flowchart of mobile terminal of the embodiment of the present invention four.
The mobile terminal of the embodiment of the present invention includes:First acquisition module 401, for gathering the first biological characteristic of user Information, obtain the second biological information bound with the real-name authentication information of payment account;Feature judge module 402, is used for Judge whether first biological information matches with second biological information;Processing module 403, if for described First biological information and second biometric information matches, record this payment behavior and respond payment request.
Mobile terminal provided in an embodiment of the present invention, according to the second biology bound with the real-name authentication information of payment account Characteristic information carries out payment authentication, and because the second biological information and real-name authentication information are determined, and real-name authentication information can be with Prove the identity of unique real name user, if therefore the second biological information be verified, you can confirm that this payment is real name User is initiated, and not other people initiate, therefore can effectively prevent the payment behavior of non-real name user, improve branch The security paid.
Embodiment five
Reference picture 5, show a kind of structured flowchart of mobile terminal of the embodiment of the present invention five.
The mobile terminal of the embodiment of the present invention is the further optimization to the mobile terminal in example IV, the shifting after optimization Dynamic terminal includes:First acquisition module 501, for gathering the first biological information of user, obtain the reality with payment account Second biological information of name authentication information binding;Feature judge module 502, for judging first biological information Whether matched with second biological information;Processing module 503, if for first biological information and described the Two biometric information matches, record this payment behavior and respond payment request.
Preferably, the mobile terminal also includes:First judge module 504, for being abiotic when payment authentication mode Feature verification, or, during in the absence of the second biological information with the binding of the real-name authentication information of the payment account, judge Whether first biological information and/or the payment cipher of user's input pass through safety verification;Second judge module 505, If for by safety verification, judging that this pays feature history corresponding with the payment account and pays whether feature is consistent; First logging modle 506, if for being consistent, record this payment behavior and respond payment request.
Preferably, history corresponding to the payment account pays feature and generated in the following manner:To each of historical record Secondary payment behavior carries out learning training, obtains history corresponding to the payment account and pays feature.
Preferably, the mobile terminal also includes:3rd judge module 507, for being abiotic when payment authentication mode Feature verification, or, during in the absence of the second biological information with the binding of the real-name authentication information of the payment account, judge Whether user is consistent using feature to mobile terminal with the history of the records in mobile terminal using feature in preset time; Second logging modle 508, if for being consistent, record this payment behavior and respond payment request;Authentication module 509, if for It is not consistent, obtains the face feature information of the user, the security of the user is carried out according to the face feature information Checking.
Preferably, the authentication module 509 includes:Submodule 5091 is gathered, for gathering the face-image of the user, Face feature information is identified from the face-image;First judging submodule 5092, for judging the face feature information Whether matched with the face feature information in the real-name authentication information;First response submodule 5093, if for matching, record This payment behavior simultaneously responds payment request;Second response submodule 5094, if for mismatching, response, which is paid, asks and encrypts Record this and pay evidence and the face-image.
Preferably, the mobile terminal also includes being used for the real-name authentication certificate and the second biological characteristic for establishing payment account The binding relationship of binding relationship between information establishes module 510;The binding relationship establishes the concrete structure block diagram of module 510 As shown in fig. 6, including following submodule:
Second judging submodule 5101, for judging whether the real-name authentication certificate of the payment account has bound the second life Thing characteristic information;3rd judging submodule 5102, if for having bound the second biological information, gather the first biology of user Characteristic information;Second biological information is extracted from first biological information to be authenticated, and judges to have tied up Whether the authentication of the second fixed biological information passes through;3rd response submodule 5103, if passing through for authenticating, judges user Whether the payment cipher of input passes through safety verification;4th response submodule 5104, if safety verification is by establishing described first Binding relationship between biological information and the real-name authentication certificate of the payment account.
4th judging submodule 5105, for judging the real-name authentication of the payment account in second judging submodule After whether certificate has bound the second biological information, if unbound second biological information, the branch of user's input is judged Pay whether password passes through safety verification;5th response submodule 5106, if for safety verification by gathering the of the user One biological information, wherein carrying face feature information in first biological information;5th judging submodule 5107, for judging that the face feature information in first biological information and real-name authentication additional clause face are special Whether reference breath matches;6th response submodule 5108, if for matching, establishes first biological information and the branch The binding relationship paid a bill between the real-name authentication certificate at family.
6th judging submodule 5109, for the 4th judging submodule judge user input payment cipher whether After safety verification, if safety verification is not by judging whether payment cipher checking number exceeds preset value;If so, then Freeze the payment account.
The mobile terminal of the embodiment of the present invention is used to realize pays authentication side accordingly in previous embodiment one, embodiment two Method, and there is beneficial effect corresponding with embodiment of the method, it will not be repeated here.
Embodiment six
Reference picture 7, show a kind of structured flowchart of mobile terminal of the embodiment of the present invention six.
The mobile terminal 700 of the embodiment of the present invention includes:At least one processor 701, memory 702, at least one net Network interface 704 and other users interface 703.Each component in mobile terminal 700 is coupled by bus system 705. It is understood that bus system 705 is used to realize the connection communication between these components.Bus system 705 except include data/address bus it Outside, in addition to power bus, controlling bus and status signal bus in addition.But for the sake of clear explanation, in the figure 7 will be various total Line is all designated as bus system 705.
Wherein, user interface 703 can include display, keyboard or pointing device (for example, mouse, trace ball (track ball), touch-sensitive plate or touch-screen etc..
It is appreciated that the memory 702 in the embodiment of the present invention can be volatile memory or nonvolatile memory, Or it may include both volatibility and nonvolatile memory.Wherein, nonvolatile memory can be read-only storage (Read- Only Memory, ROM), programmable read only memory (Programmable ROM, PROM), the read-only storage of erasable programmable Device (Erasable PROM, EPROM), Electrically Erasable Read Only Memory (Electrically EPROM, EEPROM) or Flash memory.Volatile memory can be random access memory (Random Access Memory, RAM), and it is used as outside high Speed caching.By exemplary but be not restricted explanation, the RAM of many forms can use, such as static RAM (Static RAM, SRAM), dynamic random access memory (Dynamic RAM, DRAM), Synchronous Dynamic Random Access Memory (Synchronous DRAM, SDRAM), double data speed synchronous dynamic RAM (Double DataRate SDRAM, DDRSDRAM), enhanced Synchronous Dynamic Random Access Memory (Enhanced SDRAM, ESDRAM), synchronized links Dynamic random access memory (Synchlink DRAM, SLDRAM) and direct rambus random access memory (Direct Ram bus RAM, DRRAM).The embodiment of the present invention description system and method memory 702 be intended to including but not limited to this A little and any other suitable type memory.
In some embodiments, memory 702 stores following element, can perform module or data structure, or Their subset of person, or their superset:Operating system 7021 and application program 7022.
Wherein, operating system 7021, comprising various system programs, such as ccf layer, core library layer, driving layer etc., it is used for Realize various basic businesses and the hardware based task of processing.Application program 7022, include various application programs, such as media Player (Media Player), browser (Browser) etc., for realizing various applied business.Realize the embodiment of the present invention The program of method may be embodied in application program 7022.
In embodiments of the present invention, by calling program or the instruction of the storage of memory 702, specifically, can be application The program stored in program 7022 or instruction, processor 701 are used for the first biological information for gathering user, obtain and pay Second biological information of the real-name authentication information binding of account;Judge first biological information and the described second life Whether thing characteristic information matches;If first biological information and second biometric information matches, minute book Secondary payment behavior simultaneously responds payment request.
The method that the embodiments of the present invention disclose can apply in processor 701, or be realized by processor 701. Processor 701 is probably a kind of IC chip, has the disposal ability of signal.In implementation process, the above method it is each Step can be completed by the integrated logic circuit of the hardware in processor 701 or the instruction of software form.Above-mentioned processing Device 701 can be general processor, digital signal processor (Digital Signal Processor, DSP), special integrated electricity Road (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field Programmable Gate Array, FPGA) either other PLDs, discrete gate or transistor logic, Discrete hardware components.It can realize or perform disclosed each method, step and the logic diagram in the embodiment of the present invention.It is general Processor can be microprocessor or the processor can also be any conventional processor etc..With reference to institute of the embodiment of the present invention The step of disclosed method, can be embodied directly in hardware decoding processor and perform completion, or with the hardware in decoding processor And software module combination performs completion.Software module can be located at random access memory, flash memory, read-only storage, may be programmed read-only In the ripe storage medium in this area such as memory or electrically erasable programmable memory, register.The storage medium is located at Memory 702, processor 701 read the information in memory 702, with reference to the step of its hardware completion above method.
It is understood that embodiments described herein can use hardware, software, firmware, middleware, microcode or its Combine to realize.Realized for hardware, processing unit can be realized in one or more application specific integrated circuit (Application Specific Integrated Circuits, ASIC), digital signal processor (Digital Signal Processing, DSP), digital signal processing appts (DSP Device, DSPD), programmable logic device (Programmable Logic Device, PLD), field programmable gate array (Field-Programmable Gate Array, FPGA), general processor, In controller, microcontroller, microprocessor, other electronic units for performing herein described function or its combination.
Realized for software, can be by performing the module (such as process, function etc.) of function described in the embodiment of the present invention To realize the technology described in the embodiment of the present invention.Software code is storable in memory and passes through computing device.Storage Device can be realized within a processor or outside processor.
Alternatively, processor 701 is additionally operable to:When payment authentication mode is non-biometric certification, or, in the absence of with institute State payment account real-name authentication information binding the second biological information when, judge first biological information with/ Or whether the payment cipher of user's input passes through safety verification;If by safety verification, judge that this pays feature and the branch History corresponding to family of paying a bill pays whether feature is consistent;If being consistent, record this payment behavior and respond payment request.
Alternatively, history corresponding to the payment account pays feature and generated in the following manner:To each of historical record Secondary payment behavior carries out learning training, obtains history corresponding to the payment account and pays feature.
Alternatively, processor 701 is additionally operable to:When payment authentication mode is non-biometric certification, or, in the absence of with institute When stating the second biological information of real-name authentication information binding of payment account, judge that user is to mobile terminal in preset time Whether be consistent using feature with the history of the records in mobile terminal using feature;If being consistent, this payment behavior is recorded And respond payment request;If not being consistent, the face feature information of the user is obtained, according to the face feature information to described The security of user is verified.
Alternatively, processor 701 obtains the face feature information of the user, according to the face feature information to described When the security of user is verified, it is specifically used for:The face-image of the user is gathered, face is identified from the face-image Portion's characteristic information;Judge whether the face feature information matches with the face feature information in the real-name authentication information;If Matching, record this payment behavior and respond payment request;If mismatch, response pays request simultaneously this payment card of scrambled record According to this and the face-image.
Alternatively, the binding relationship between the real-name authentication information of payment account and the second biological information passes through as follows Mode is established:Judge whether the real-name authentication information of the payment account has bound the second biological information;If bind Two biological informations, gather the first biological information of user;Described is extracted from first biological information Two biological informations are authenticated, and whether the authentication for the second biological information for judging to have bound passes through;If authentication is logical Cross, judge whether the payment cipher of user's input passes through safety verification;If safety verification is by establishing first biological characteristic Binding relationship between information and the real-name authentication information of the payment account.
Alternatively, whether processor 701 has bound the second life in the real-name authentication information for judging the payment account After thing characteristic information, it is additionally operable to:If unbound second biological information, judge whether the payment cipher of user's input passes through Safety verification;If safety verification is by gathering the first biological information of the user, wherein first biological characteristic is believed Face feature information is carried in breath;Judge the face feature information that is carried in first biological information and the real name Whether the face feature information in authentication information matches;If matching, establishes payment account described in first biological information Real-name authentication information between binding relationship.
Alternatively, processor 701 is also used after whether the payment cipher for judging user's input is by safety verification In:If safety verification is not by judging whether payment cipher checking number exceeds preset value;Paid a bill if so, then freezing the branch Family.
Mobile terminal 700 can realize each process that mobile terminal is realized in previous embodiment, to avoid repeating, here Repeat no more.
Mobile terminal provided in an embodiment of the present invention, according to the second biology bound with the real-name authentication information of payment account Characteristic information carries out payment authentication, and because the second biological information and real-name authentication information are determined, and real-name authentication information can be with Prove the identity of unique real name user, if therefore the second biological information be verified, you can confirm that this payment is real name User is initiated, and not other people initiate, therefore can effectively prevent the payment behavior of non-real name user, improve branch The high safety paid.
Embodiment seven
Reference picture 8, show a kind of structured flowchart of mobile terminal of the embodiment of the present invention seven.
Mobile terminal in the embodiment of the present invention can be mobile phone, tablet personal computer, personal digital assistant (Personal Digital Assistant, PDA) or vehicle-mounted computer etc..
Mobile terminal in Fig. 8 includes radio frequency (Radio Frequency, RF) circuit 810, memory 820, input block 830th, display unit 840, processor 860, voicefrequency circuit 870, WiFi (Wireless Fidelity) modules 880 and power supply 890。
Wherein, input block 830 can be used for the numeral or character information for receiving user's input, and generation and mobile terminal User set and function control it is relevant signal input.Specifically, in the embodiment of the present invention, the input block 830 can be with Including contact panel 831.Contact panel 831, also referred to as touch-screen, collect touch operation (ratio of the user on or near it Such as user uses the operation of finger, any suitable object of stylus or annex on contact panel 831), and according to setting in advance Fixed formula drives corresponding attachment means.Optionally, contact panel 831 may include touch detecting apparatus and touch controller two Individual part.Wherein, the touch orientation of touch detecting apparatus detection user, and the signal that touch operation is brought is detected, signal is passed Give touch controller;Touch controller receives touch information from touch detecting apparatus, and is converted into contact coordinate, then Give the processor 860, and the order sent of reception processing device 860 and can be performed.Furthermore, it is possible to using resistance-type, electricity The polytypes such as appearance formula, infrared ray and surface acoustic wave realize contact panel 831.Except contact panel 831, input block 830 Can also include other input equipments 832, other input equipments 832 can include but is not limited to physical keyboard, function key (such as Volume control button, switch key etc.), trace ball, mouse, the one or more in action bars etc..
Wherein, display unit 840 can be used for display by the information of user's input or be supplied to information and the movement of user The various menu interfaces of terminal.Display unit 840 may include display panel 841, optionally, can use LCD or organic light emission The forms such as diode (Organic Light-Emitting Diode, OLED) configure display panel 841.
It should be noted that contact panel 831 can cover display panel 841, touch display screen is formed, when the touch display screen is examined After measuring the touch operation on or near it, processor 860 is sent to determine the type of touch event, is followed by subsequent processing device 860 provide corresponding visual output according to the type of touch event in touch display screen.
Touch display screen includes Application Program Interface viewing area and conventional control viewing area.The Application Program Interface viewing area And arrangement mode of the conventional control viewing area does not limit, can be arranged above and below, left-right situs etc. can distinguish two it is aobvious Show the arrangement mode in area.The Application Program Interface viewing area is displayed for the interface of application program.Each interface can be with The interface element such as the icon comprising at least one application program and/or widget desktop controls.The Application Program Interface viewing area It can also be the empty interface not comprising any content.The conventional control viewing area is used to show the higher control of utilization rate, for example, Application icons such as settings button, interface numbering, scroll bar, phone directory icon etc..
Wherein processor 860 is the control centre of mobile terminal, utilizes each of various interfaces and connection whole mobile phone Individual part, by running or performing the software program and/or module that are stored in first memory 821, and call and be stored in Data in second memory 822, the various functions and processing data of mobile terminal are performed, it is overall so as to be carried out to mobile terminal Monitoring.Optionally, processor 860 may include one or more processing units.
In embodiments of the present invention, by call store the first memory 821 in software program and/or module and/ Or the data in the second memory 822, processor 860 are used for the first biological information for gathering user, obtain and pay Second biological information of the real-name authentication information binding of account;Judge first biological information and the described second life Whether thing characteristic information matches;If first biological information and second biometric information matches, minute book Secondary payment behavior simultaneously responds payment request.
Alternatively, processor 860 is additionally operable to:When payment authentication mode is non-biometric certification, or, in the absence of with institute State payment account real-name authentication information binding the second biological information when, judge first biological information with/ Or whether the payment cipher of user's input passes through safety verification;If by safety verification, judge that this pays feature and the branch History corresponding to family of paying a bill pays whether feature is consistent;If being consistent, record this payment behavior and respond payment request.
Alternatively, history corresponding to the payment account pays feature and generated in the following manner:To each of historical record Secondary payment behavior carries out learning training, obtains history corresponding to the payment account and pays feature.
Alternatively, processor 860 is additionally operable to:When payment authentication mode is non-biometric certification, or, in the absence of with institute When stating the second biological information of real-name authentication information binding of payment account, judge that user is to mobile terminal in preset time Whether be consistent using feature with the history of the records in mobile terminal using feature;If being consistent, this payment behavior is recorded And respond payment request;If not being consistent, the face feature information of the user is obtained, according to the face feature information to described The security of user is verified.
Alternatively, processor 860 obtains the face feature information of the user, according to the face feature information to described When the security of user is verified, it is specifically used for:The face-image of the user is gathered, face is identified from the face-image Portion's characteristic information;Judge whether the face feature information matches with the face feature information in the real-name authentication information;If Matching, record this payment behavior and respond payment request;If mismatch, response pays request simultaneously this payment card of scrambled record According to this and the face-image.
Alternatively, the binding relationship between the real-name authentication information of payment account and the second biological information passes through as follows Mode is established:Judge whether the real-name authentication information of the payment account has bound the second biological information;If bind Two biological informations, gather the first biological information of user;Described is extracted from first biological information Two biological informations are authenticated, and whether the authentication for the second biological information for judging to have bound passes through;If authentication is logical Cross, judge whether the payment cipher of user's input passes through safety verification;If safety verification is by establishing first biological characteristic Binding relationship between information and the real-name authentication information of the payment account.
Alternatively, whether processor 860 has bound the second life in the real-name authentication information for judging the payment account After thing characteristic information, it is additionally operable to:If unbound second biological information, judge whether the payment cipher of user's input passes through Safety verification;If safety verification is by gathering the first biological information of the user, wherein first biological characteristic is believed Face feature information is carried in breath;Judge the face feature information that is carried in first biological information and the real name Whether the face feature information in authentication information matches;If matching, establishes payment account described in first biological information Real-name authentication information between binding relationship.
Alternatively, processor 860 is also used after whether the payment cipher for judging user's input is by safety verification In:If safety verification is not by judging whether payment cipher checking number exceeds preset value;Paid a bill if so, then freezing the branch Family.
Mobile terminal provided in an embodiment of the present invention, according to the second biology bound with the real-name authentication information of payment account Characteristic information carries out payment authentication, and because the second biological information and real-name authentication information are determined, and real-name authentication information can be with Prove the identity of unique real name user, if therefore the second biological information be verified, you can confirm that this payment is real name User is initiated, and not other people initiate, therefore can effectively prevent the payment behavior of non-real name user, improve branch The security paid.
The embodiment of the present invention additionally provides a kind of mobile terminal, including:Memory, processor and it is stored in the memory Payment authentication procedure that is upper and can running on the processor, realized when the payment authentication procedure is by the computing device The step of described payment method for authenticating.
The embodiment of the present invention additionally provides a kind of computer-readable recording medium, is deposited on the computer-readable recording medium Payment authentication procedure is contained, it is described to pay the step of realizing described payment method for authenticating when authentication procedure is executed by processor.
For device embodiment, because it is substantially similar to embodiment of the method, so description is fairly simple, it is related Part illustrates referring to the part of embodiment of the method.
Method for authenticating and mobile terminal are paid provided herein not with any certain computer, virtual system or other setting It is standby intrinsic related.Various general-purpose systems can also be used together with teaching based on this.As described above, construction has Structure required by the system of the present invention program is obvious.In addition, the present invention is not also directed to any certain programmed language. It should be understood that the content of invention described herein can be realized using various programming languages, and above to language-specific institute The description done is to disclose the preferred forms of the present invention.
In the specification that this place provides, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention Example can be put into practice in the case of these no details.In some instances, known method, structure is not been shown in detail And technology, so as not to obscure the understanding of this description.
Similarly, it will be appreciated that in order to simplify the disclosure and help to understand one or more of each inventive aspect, Above in the description to the exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention:I.e. required guarantor The application claims of shield features more more than the feature being expressly recited in each claim.More precisely, such as right As claim reflects, inventive aspect is all features less than single embodiment disclosed above.Therefore, it then follows tool Thus claims of body embodiment are expressly incorporated in the embodiment, wherein the conduct of each claim in itself The separate embodiments of the present invention.
Those skilled in the art, which are appreciated that, to be carried out adaptively to the module in the equipment in embodiment Change and they are arranged in one or more equipment different from the embodiment.Can be the module or list in embodiment Member or component be combined into a module or unit or component, and can be divided into addition multiple submodule or subelement or Sub-component.In addition at least some in such feature and/or process or unit exclude each other, it can use any Combination is disclosed to all features disclosed in this specification (including adjoint claim, summary and accompanying drawing) and so to appoint Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification (including adjoint power Profit requires, summary and accompanying drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation Replace.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments In included some features rather than further feature, but the combination of the feature of different embodiments means in of the invention Within the scope of and form different embodiments.For example, in detail in the claims, embodiment claimed it is one of any Mode it can use in any combination.
The all parts embodiment of the present invention can be realized with hardware, or to be run on one or more processor Software module realize, or realized with combinations thereof.It will be understood by those of skill in the art that it can use in practice Microprocessor or digital signal processor (DSP) realize payment method for authenticating and mobile terminal according to embodiments of the present invention In some or all parts some or all functions.The present invention is also implemented as described herein for performing The some or all equipment or program of device (for example, computer program and computer program product) of method.So Realization the present invention program can store on a computer-readable medium, or can have one or more signal shape Formula.Such signal can be downloaded from internet website and obtained, and either be provided or with any other shape on carrier signal Formula provides.
It should be noted that the present invention will be described rather than limits the invention for above-described embodiment, and ability Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims, Any reference symbol between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such Element.The present invention can be by means of including the hardware of some different elements and being come by means of properly programmed computer real It is existing.In if the unit claim of equipment for drying is listed, several in these devices can be by same hardware branch To embody.The use of word first, second, and third does not indicate that any order.These words can be explained and run after fame Claim.

Claims (10)

1. one kind pays method for authenticating, it is characterised in that methods described includes:
The first biological information of user is gathered, obtains the second biological characteristic bound with the real-name authentication information of payment account Information;
Judge whether first biological information matches with second biological information;
If first biological information and second biometric information matches, record this payment behavior and respond Pay request.
2. according to the method for claim 1, it is characterised in that methods described also includes:
When payment authentication mode is non-biometric certification, or, tied up in the absence of the real-name authentication information with the payment account During fixed second biological information, judge whether first biological information and/or the payment cipher of user's input lead to Cross safety verification;
If by safety verification, judge that this pays feature history corresponding with the payment account and pays whether feature is consistent;
If being consistent, record this payment behavior and respond payment request.
3. according to the method for claim 2, it is characterised in that corresponding to the payment account history pay feature by with Under type generates:
Learning training is carried out to each secondary payment behavior of historical record, history corresponding to the payment account is obtained and pays feature.
4. according to the method for claim 1, it is characterised in that methods described also includes:
When payment authentication mode is non-biometric certification, or, tied up in the absence of the real-name authentication information with the payment account During fixed second biological information, judge in preset time use feature of the user to mobile terminal with the mobile terminal Whether the history of record is consistent using feature;
If being consistent, record this payment behavior and respond payment request;
If not being consistent, the face feature information of the user is obtained, the safety according to the face feature information to the user Property is verified.
A kind of 5. mobile terminal, it is characterised in that including:
First acquisition module, for gathering the first biological information of user, obtain the real-name authentication information with payment account Second biological information of binding;
Feature judge module, for judging whether first biological information matches with second biological information;
Processing module, if for first biological information and second biometric information matches, record this branch The behavior of paying simultaneously responds payment request.
6. mobile terminal according to claim 5, it is characterised in that the mobile terminal also includes:
First judge module, for being non-biometric certification when payment authentication mode, or, in the absence of with the payment account The binding of real-name authentication information the second biological information when, judge that first biological information and/or user input Payment cipher whether pass through safety verification;
Second judge module, if for by safety verification, judging that this pays feature history corresponding with the payment account Pay whether feature is consistent;
First logging modle, if for being consistent, record this payment behavior and respond payment request.
7. mobile terminal according to claim 6, it is characterised in that history corresponding to the payment account pays feature and led to Cross in the following manner generation:
Learning training is carried out to each secondary payment behavior of historical record, history corresponding to the payment account is obtained and pays feature.
8. mobile terminal according to claim 5, it is characterised in that the mobile terminal also includes:
3rd judge module, for being non-biometric certification when payment authentication mode, or, in the absence of with the payment account Real-name authentication information binding the second biological information when, judge use feature of the user to mobile terminal in preset time Whether it is consistent using feature with the history of the records in mobile terminal;Second logging modle, if for being consistent, record this branch The behavior of paying simultaneously responds payment request;
Authentication module, if for not being consistent, the facial characteristics of the user is obtained, according to the face feature information to the use The security at family is verified.
A kind of 9. mobile terminal, it is characterised in that including:Memory, processor and it is stored on the memory and can be in institute The computer program run on processor is stated, the computer program is realized such as Claims 1-4 during the computing device Any one of payment method for authenticating the step of.
10. a kind of computer-readable recording medium, it is characterised in that be stored with computer on the computer-readable recording medium Program, the payment method for authenticating as any one of Claims 1-4 is realized when the computer program is executed by processor The step of.
CN201710726327.0A 2017-08-22 2017-08-22 One kind pays method for authenticating and mobile terminal Pending CN107563759A (en)

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Application publication date: 20180109