CN107657445B

CN107657445B - Online payment method and online payment system

Info

Publication number: CN107657445B
Application number: CN201710536623.4A
Authority: CN
Inventors: 陶德龙
Original assignee: Shenzhen Id Bear Network Technology Co ltd
Current assignee: Shenzhen Id Bear Network Technology Co ltd
Priority date: 2017-07-04
Filing date: 2017-07-04
Publication date: 2021-12-14
Anticipated expiration: 2037-07-04
Also published as: CN107657445A

Abstract

The invention is suitable for the technical field of internet, and provides an online payment method and an online payment system, wherein the online payment method comprises the following steps: the mobile terminal acquires a trademark image and uploads the trademark image to a server; the server analyzes a user account corresponding to the trademark image and acquires payment information associated with the user account; and the mobile terminal generates a payment page according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page. The invention ensures that the mobile terminal can generate the payment page based on the correct payment information returned by the server even if criminals forge trademark images of other people, thereby improving the security of internet payment. Because the trademark image is not a two-dimensional code and cannot bear the webpage link, even if the trademark image is scanned by the mobile terminal, the webpage link carrying the security risk cannot be directly opened, and therefore the payment security is enhanced.

Description

Online payment method and online payment system

Technical Field

The invention belongs to the technical field of internet, and particularly relates to an online payment method and an online payment system.

Background

At present, one of the most common internet payment methods is two-dimensional code payment. Under the payment mode, a merchant can compile payment information such as account numbers, commodity prices and the like into a two-dimensional code, and a consumer can pay for the merchant by scanning the two-dimensional code through a mobile phone client. Therefore, the user can conveniently and quickly realize payment settlement with the account of the merchant only by one mobile phone without carrying a wallet when going out.

However, the two-dimensional code payment provides convenience for people and creates a multiplier for lawbreakers. On one hand, any user can make the two-dimensional code through the two-dimensional code generator, so that lawbreakers only need to forge the two-dimensional code of the merchant, and the consumer can receive the money paid by the consumer without worry by considering that the scanned two-dimensional code is the two-dimensional code of the merchant. On the other hand, most of the content carried by the two-dimension code is a webpage link, and because the two-dimension code reading software in the mobile phone does not have the capability of identifying and intercepting malicious websites, once a user scans the two-dimension code, the mobile phone can directly open the malicious website corresponding to the two-dimension code. At this time, the existence of the malicious program may cause various privacy information such as an address book stored in the mobile phone, a bank card number, and a verification code sent by a bank during payment to be revealed. Then, the criminal can directly transfer money in the user account into the personal account of the criminal based on the privacy information of the user, so that the purpose of fraud is achieved. Therefore, the existing internet payment method has the problem of low security.

Disclosure of Invention

In view of this, embodiments of the present invention provide an online payment method and an online payment system, so as to solve the problem of low security in the existing internet payment method.

A first aspect of an embodiment of the present invention provides an online payment method, including:

the mobile terminal acquires a trademark image and uploads the trademark image to a server;

the server analyzes a user account corresponding to the trademark image and acquires payment information associated with the user account;

and the mobile terminal generates a payment page according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page.

A second aspect of the embodiments of the present invention provides an online payment system, including a mobile terminal and a server,

the mobile terminal is used for acquiring a trademark image and uploading the trademark image to the server;

the server is used for analyzing a user account corresponding to the trademark image and acquiring payment information associated with the user account;

the mobile terminal is further used for generating a payment page according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page.

In the embodiment of the invention, the trademark image is uploaded to the server, the server analyzes the user account corresponding to the trademark image and returns the payment information associated with the user account, so that the mobile terminal can generate the payment page based on the correct payment information returned by the server even if criminals forge the trademark image of other people, and the safety of internet payment is improved. Because the trademark image is not a two-dimensional code and cannot bear the webpage link, the condition that the webpage link carrying the security risk is directly opened after the trademark image is scanned by the mobile terminal is avoided, and therefore the payment security of the user is also improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a system architecture diagram applicable to an online payment method provided in an embodiment of the present invention;

FIG. 2 is a flowchart of an implementation of an online payment method provided in the second embodiment of the present invention;

fig. 3 is a flowchart of a specific implementation of the online payment method S202 according to the second embodiment of the present invention;

FIG. 4 is a flowchart of an implementation of an online payment method provided by the third embodiment of the present invention;

FIG. 5 is a schematic diagram of a payment mode button option provided by the third embodiment of the present invention;

FIG. 6 is a schematic diagram of a payment and receipt process provided by the third embodiment of the present invention;

FIG. 7 is a schematic diagram of an implementation of an online payment method provided in the third embodiment of the present invention;

FIG. 8 is a schematic diagram of another implementation of the online payment method provided by the third embodiment of the present invention;

FIG. 9 is a flowchart of an implementation of an online payment method provided by the fourth embodiment of the present invention;

fig. 10 is a schematic diagram illustrating an implementation of a trademark authentication process provided in the fourth embodiment of the present invention;

FIG. 11 is a flowchart of an implementation of an online payment method provided by the fifth embodiment of the present invention;

fig. 12 is a schematic flow chart of an online payment method provided in the fifth embodiment of the present invention;

FIG. 13 is a flowchart of an implementation of an online payment method provided by a sixth embodiment of the invention;

fig. 14 is a schematic diagram of a two-dimensional code image of an elephant group according to a sixth embodiment of the present invention;

fig. 15 is a schematic flow chart of an online payment method according to a sixth embodiment of the present invention;

fig. 16 is a schematic specific flowchart of an online payment method S1202 according to a sixth embodiment of the present invention;

fig. 17 is a schematic diagram of a two-dimensional code image of an elephant group according to a seventh embodiment of the present invention;

fig. 18 is a flowchart of an implementation of an online payment method according to a seventh embodiment of the present invention;

fig. 19 is a block diagram of an online payment system according to an eighth embodiment of the present invention.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

In order to explain the technical means of the present invention, the following description will be given by way of specific examples.

Example one

Fig. 1 is a system architecture diagram for an online payment method provided by an embodiment of the present invention, and only a part related to the embodiment is shown for convenience of description.

Referring to fig. 1, the system is composed of a server 11 and a plurality of mobile terminals 12. The server 11 is configured to create a user account associated with the trademark registration information and the payment account according to the trademark registration information and the payment account uploaded by the mobile terminal 12 in advance, and store a corresponding relationship between the user account and various payment information such as the trademark registration information, the payment account, and a payment link. Meanwhile, the server 11 is further configured to provide a payment information query service for the mobile terminal 12, so that the mobile terminal 12 can obtain the payment page code according to the payment information returned by the server 11, and render the payment page after locally analyzing the payment page code, so that the user can complete an online payment operation in the payment page.

In the system, the mobile terminal 12 is used to provide an operating environment for an application client or a web client. The mobile terminal 12 may perform connection communication with the server 12 in the background by running the application client or the web client. The mobile terminal 12 may transmit the acquired trademark image to the server 11, and upon receiving payment information returned by the server, generate a payment page. Meanwhile, the mobile terminal 12 may also be configured to receive the payment amount and the payment password input by the user in the payment page, so that the user completes the payment operation.

Preferably, the system further includes a server 13 of the third party payment platform, configured to respond to the payment request sent by the mobile terminal 12 when the payment page is an access page of the third party payment platform, so as to transfer the payment amount corresponding to the payment request to the matched payment account.

Example two

Fig. 2 shows a flowchart of an implementation of the online payment method provided by the embodiment of the present invention, which is detailed as follows:

s201: the mobile terminal acquires the trademark image and uploads the trademark image to the server.

In the embodiment of the present invention, the mobile terminal includes, but is not limited to, a mobile terminal device such as a smart phone, a tablet, and a Personal Digital Assistant (PDA). The mobile terminal further comprises a camera and a display screen, and the camera and the display screen are used for shooting management of the trademark image and display of the payment page.

In the embodiment of the present invention, the trademark image is any visible mark capable of distinguishing the commodities of natural people, legal people or other organizations from the commodities of other people, including but not limited to characters, figures, letters, numbers, three-dimensional marks, colors and images combined by one or more elements of any of the above. The brand image may be affixed to a merchant store or displayed in other media. For example, in a web client running on the mobile terminal of the first user. And when the second user utilizes the application program client or the webpage client operated by the mobile terminal of the second user to shoot or scan the trademark image of the first user, the mobile terminal of the second user uploads the detected trademark image to the background server.

S202: the server analyzes the user account corresponding to the trademark image and acquires payment information associated with the user account.

The corresponding relation between the trademark image and the user account is stored in a data table in advance, and the data table can be stored in the server or an external database in communication connection with the server. The trademark image recorded in the data table is an approved trademark image. Each record of the data table stores a plurality of items of information including, but not limited to, a user account number, a trademark image, a trademark name, a payment account number, a payment link, a historical payment record, and the like. The payment link is used for directly linking the payment account corresponding to the user account, so that the payment amount input through the payment link can be directly remitted into the payment account associated with the payment link, and the payment amount input through the payment link can be sent to the payment account associated with the payment link.

As an implementation example of the present invention, the analyzing, by the server, a user account corresponding to the trademark image includes: and when the server receives the trademark image uploaded by the mobile terminal, inputting the trademark image into a preset neural network model. And obtaining label information corresponding to the trademark image according to the output result of the neural network model, wherein the label information comprises a user account.

The training process of the neural network model is as follows: acquiring trademark images of a plurality of known label information; constructing a convolutional neural network model, and initializing a network model weight; calculating label information of each trademark image through the initialized network model weight and a preset network structure; and adjusting the network model weight of the convolutional neural network model according to the calculated error between the label information and the real label information of the trademark image, returning to the step of calculating the label information of each trademark image through the initialized network model weight and the preset network structure, and determining the convolutional neural network model at the current moment as the neural network model for analyzing the trademark image uploaded by the mobile terminal until the error between the calculated label information and the real label information of the trademark image is within the preset range.

As another implementation example of the present invention, the analyzing, by the server, the user account corresponding to the trademark image includes: the server determines the trademark image uploaded by the mobile terminal to be the same as the trademark image stored in the data table according to the corresponding relation between the pre-stored trademark image and the user account, so as to determine a record containing the trademark image in the data table, and determine the user account corresponding to the record as the user account corresponding to the trademark image.

And after reading various payment information associated with the user account, the server returns the payment information to the mobile terminal.

In the embodiment of the present invention, the payment information may be, for example, a payment link, a payment account, an avatar of a user account, and the like. The payment link includes a resource address (URL) on the internet and also includes a page link for performing client internal hopping.

And if the trademark image uploaded by the mobile terminal does not exist in the data table or the user account corresponding to the trademark image cannot be analyzed by the neural network model, the server returns identification error information to the mobile terminal to request the mobile terminal to acquire and upload the trademark image again.

Preferably, as shown in fig. 3, the S202 specifically includes:

s2021: and the server analyzes the trademark image to obtain the trademark name in the trademark image.

S2022: and the server matches a user account corresponding to the trademark name according to a pre-stored corresponding relation, and acquires payment information associated with the user account.

For example, in the above training process of the neural network model, the known label information of each trademark image may further include a known trademark name. Therefore, when the trademark image uploaded by the mobile terminal is received, the trademark name of the trademark image can be analyzed by inputting the trademark image into the neural network model. In the data table, according to the corresponding relationship between the pre-stored brand name and the user account, the user account corresponding to the analyzed brand name can be found out, so that the payment information associated with the user account can be acquired.

The server may also preprocess the trademark image to determine whether the trademark image has a text mark. And if the trademark image has the character identification, determining the character identification as a trademark name, and matching the user account corresponding to the trademark name in the data table according to the corresponding relation between the pre-stored trademark name and the user account.

In the embodiment of the invention, under the condition that the trademark image contains the character identification, the character identification is identified, the identified character identification is determined as the trademark name, the user account can be directly determined according to the corresponding relation between the trademark name and the user account, the similarity between each prestored trademark image and the trademark image uploaded by the mobile terminal does not need to be calculated through an image identification algorithm, the calculation data volume of a system is reduced, the matching speed of the user account is improved, and the payment efficiency of a user is improved. In addition, the trademark name is a specific character identifier, so that the accurate character identifier is utilized to match the user account, and the identification accuracy of the user account can be further improved.

S203: and the mobile terminal generates a payment page according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page.

And the mobile terminal automatically analyzes the payment information returned by the server to generate a payment page corresponding to the payment link. In the payment page, the mobile terminal may receive an online payment operation instruction issued by the user, including but not limited to obtaining a payment amount, a payment password, or a payment confirmation instruction input by the user.

In the embodiment of the invention, the trademark image is uploaded to the server, the server analyzes the user account corresponding to the trademark image and returns the payment information associated with the user account, so that the mobile terminal can generate the payment page based on the correct payment information returned by the server even if criminals forge the trademark image of others, and the safety of internet payment is improved. Because the trademark image is not a two-dimensional code and cannot bear the webpage link, the condition that the webpage link carrying the security risk is directly opened after the trademark image is scanned by the mobile terminal is avoided, and therefore the payment security of the user is also improved.

EXAMPLE III

As an embodiment of the present invention, on the basis of the second embodiment, the execution flow of the payment operation is further limited. As shown in fig. 4, before S201, S401 is further included; s203 specifically includes S2031. The implementation principle of each step is as follows:

s401: the mobile terminal determines the payment mode at the current moment according to the received payment mode selection instruction, wherein the payment mode is a payment mode or a collection mode.

In the embodiment of the invention, in order to determine the type of the payment operation required to be executed by the user, before the mobile terminal acquires the trademark image, the user is prompted to select the payment mode at the current moment in the application program client or the webpage client. The payment mode is a payment mode or a collection mode.

Illustratively, as shown in fig. 5, when the mobile terminal enables the application client or the web page client, two button options of "i pay" and "i pay" are displayed below the trademark scanning interface. If the mobile terminal detects a key selection instruction of 'i need to collect', determining that the payment mode at the current moment is a collection mode; and if the mobile terminal detects the 'I need to pay' key selection instruction, determining that the payment mode at the current moment is the payment mode.

S2031: and the mobile terminal generates a payment page corresponding to the payment mode according to the payment information which is returned by the server and is associated with the user account, so that the user executes online payment operation in the payment page.

After receiving the payment information associated with the user account, the mobile terminal may accurately generate a payment page or a collection page required by the user according to the payment mode of the user in S401.

For ease of understanding, fig. 6 is a schematic diagram illustrating a receipt and payment process provided by an embodiment of the present invention.

If the payment mode at the current moment is the payment mode, in S203, the mobile terminal generates a payment page according to the payment information related to the user account returned by the server. The mobile terminal displays the user account of the payee, and simultaneously requests the payer (namely the mobile terminal user) to input the payment amount and requests the payer to select a payment mode in the payment page. The payment mode comprises local payment and third party payment. The third party payment includes but is not limited to WeChat payment, Payment treasure payment, cloud flash payment, Unionpay card payment and the like, and the local payment means payment by a payment platform directly related to an application client or a webpage client.

When the fact that the payment mode selected by the payer is local payment is detected, the mobile terminal requests the payer to input a payment password and uploads the payment password to the server, so that the server verifies the correctness of the payment password. And if the payment password is correct, the server transfers the funds of the payment account prestored in the payer to the payment account corresponding to the user account according to a payment request carrying the payment amount sent by the mobile terminal. And the server returns the successful payment result to the client operated by the payer and the client operated by the payee respectively.

And when the payment mode selected by the user is detected to be the third-party payment, verifying the correctness of the payment password and completing the fund transfer operation of the payment account by using a server of a third-party payment platform connected with the server.

If the payment mode at the current time is the collection mode, in S203, the mobile terminal generates a collection page according to the payment information related to the user account returned by the server. The mobile terminal can request the payee to input a collection amount in a collection page while displaying the user account of the payer. And the mobile terminal sends the collection request carrying the collection amount to the client of the payer. At this time, the mobile terminal of the payer displays the amount of money to be collected, and requests the payer to select a payment method, input a payment password, input a payment confirmation instruction, and the like.

When the payment mode selected by the payer is detected to be local payment, the mobile terminal uploads the payment password to the server so that the server can verify the correctness of the payment password. And if the payment password is correct, the server transfers the funds of the payment account which is prestored in the user account to the payment account corresponding to the payee according to the collection request. And the server respectively returns the successful payment results to the client operated by the payer and the client operated by the payee.

And when the payment mode selected by the user is detected to be the third party payment, verifying the correctness of the payment password and completing the transfer of account funds by using a server of a third party payment platform connected with the server.

If the payment confirmation instruction input by the payer is not detected within the preset time, the server respectively returns the payment failure results to the clients respectively operated by the payer and the payee.

In the embodiment of the invention, the server can accurately judge whether the payment page required to be generated by the mobile terminal is a payment page or a collection page by detecting the payment mode selected by the user. Based on different payment modes, the same user can be used as a payer and a payee, so that the server can accurately determine the direction of fund transfer, and the flexibility and the accuracy of payment transfer are improved.

As a specific implementation example of the present invention, fig. 7 shows an implementation schematic diagram of an online payment method provided by an embodiment of the present invention. In fig. 7, the trademark payment system is a server in the above online payment method embodiment, and includes a plurality of subsystems, such as a transaction system, a merchant management system, a settlement system, a support system, a trademark identification payment access system, and the like. Optionally, the trademark payment system may be in communication connection with an external payment content platform, and the payment content platform is a third party payment platform. The trademark payment system can receive the trademark image uploaded by the mobile terminal user and process a trademark payment request sent by the mobile terminal user according to the trademark image. The implementation principle of the processing procedure is the same as that of the online payment method, and therefore, the implementation principle is not described in detail. It is noted that in this example, the mobile terminal user may upload a trademark image or issue a trademark payment request through an application client having a trademark payment function or through a mobile terminal having a trademark payment function by default at the time of factory shipment.

As another specific implementation example of the present invention, as shown in fig. 8, the trademark payment system is a distributed system, which is a software system built on a network and can be distributed in servers of a plurality of different geographical locations. In this example, the brand payment system interfaces with multiple third party payment platforms to accomplish the brand image based multi-platform payment function.

Example four

In addition to the second embodiment, as shown in fig. 9, before the step S201, the method further includes:

s901: the server acquires trademark registration information and a payment account of a user so as to verify the trademark registration information and the payment account, wherein the trademark registration information comprises the trademark image.

S902: and if the verification confirmation information is received, the server creates the user account based on the trademark registration information and the payment account.

In the embodiment of the invention, the user account of the user is created only after the trademark registration information and the payment account uploaded by the user pass the verification and confirmation, and various payment information related to the user account is stored in the data table.

Specifically, as shown in fig. 10, an application client or a web client, which is run by the mobile terminal, is provided with a trademark authentication function option. When the user selects the trademark authentication function option in the mobile terminal of the user, the mobile terminal sends out a trademark authentication request. The server requests the user to upload trademark authentication information, including trademark registration information, payment account number, personal/enterprise certificate information and the like. The trademark registration information includes a trademark registration certificate and a trademark image of a registered trademark, and also includes a trademark image of an unregistered trademark. When the server acquires the trademark authentication information uploaded by the mobile terminal, whether the trademark registration information contained in the trademark authentication information exists in the data table is judged.

If the trademark registration information exists in the data table and the personal/enterprise certificate information corresponding to the trademark registration information is the same as the currently received personal/enterprise certificate information, determining that the user has created a user account, and returning the data improvement prompt information of the user account to the mobile terminal of the user. When detecting that all the data information corresponding to the user account is perfect, the server returns a prompt message of successful authentication, and stores the corresponding relation between the user account, the trademark registration information and each data information in a data table. Profile information includes, but is not limited to, brand name, personal/business certificate information, and the payment information described above.

If the trademark image does not exist in the data table, the server sends prompt information to prompt an administrator or a server of a third-party payment platform to verify and confirm the trademark registration information and various corresponding certificate information. And when the audit confirmation information is received, the server creates a user account of the user. After all the data information corresponding to the trademark image is completed, the corresponding relation among the user account number, the trademark image, the payment account number, the payment link and each item of certificate information is stored in a data table. See table 1 for details.

TABLE 1

As can be seen from table 1, a user may set a plurality of payment account numbers, a plurality of brand names, and a plurality of brand images in one user account number, the same brand image may correspond to a plurality of payment account numbers, the same payment account number may also correspond to a plurality of brand images, but each user account number corresponds to at least one brand image and one payment account number.

In the embodiment of the invention, by acquiring the trademark registration information and the payment account number uploaded by the mobile terminal, the verified trademark image can be ensured to be used for scanning payment, and the trademark image of a legal merchant is prevented from being authenticated and used by a lawbreaker, so that the feasibility, the reliability and the safety of an online payment system are improved.

EXAMPLE five

As an embodiment of the present invention, on the basis of the above embodiments, when the payment mode is the payment mode, the matching mode of the user account is further defined. As shown in fig. 11, after S202 and before S203, the method further includes:

s1101: and if a plurality of payment accounts associated with the user account are detected, the server acquires the geographic position of the mobile terminal.

The embodiment of the invention is suitable for a scene that the same merchant has different branches in different cities or the same merchant has different branch stores in the same city, at the moment, revenues of the merchant in different cities or revenues of the merchant in different branch stores are attributed to different bank accounts, and different payment account numbers can be represented as different bank accounts of the merchant, so that for the same merchant, a plurality of corresponding payment account numbers can be set under the same user account number, as shown in the table 1. And if the server detects that the number of the payment account numbers corresponding to the user account numbers of the merchants is more than one, the server requests the mobile terminal to upload the geographic position of the mobile terminal. The geographical location information of the mobile terminal is realized based on a GPS (global positioning System) positioning module provided therein. If the mobile terminal is a mobile phone, the method also comprises a positioning mode based on a mobile operation network base station. The geographical location information uploaded by the mobile terminal can be represented in various forms, including but not limited to longitude and latitude coordinate data, three-dimensional data and the like.

And the server determines the current position of the mobile terminal user according to the geographical position information uploaded by the mobile terminal.

S1102: and the server determines a payment account corresponding to the geographic position from the plurality of payment accounts.

In the embodiment of the invention, after the user account corresponding to the trademark image uploaded by the mobile terminal is determined, in order to further determine a payment account for collecting money at the current moment, a related geographical position is set for each payment account in a pre-stored data table. For example, see table 2:

TABLE 2

In the process of applying for trademark authentication, a user can set the geographic position associated with each payment account under the own user account when perfecting data information.

When one user account corresponds to a plurality of payment accounts, as can be seen from table 2, the user account corresponds to a plurality of geographic locations. According to the current geographic position of the mobile terminal, the server determines a payment account matched with the geographic position from a plurality of payment accounts corresponding to the user account, and accordingly payment information related to the payment account is determined to be payment information needing to be returned to the mobile terminal.

S1103: and the server acquires payment information related to the determined payment account.

When the mobile terminal receives payment information associated with the user account, a payment page is generated according to the payment information, so that a payer executes payment operation in the payment page, and thus money consumed by the payer can be paid to a local payment account correspondingly set by a payee.

For ease of understanding, fig. 12 shows a flow chart of the online payment method provided by the embodiment of the invention.

In the embodiment of the invention, the geographical position of the payer at the current moment is determined, and the trademark image of the merchant uploaded by the payer is analyzed to determine the user account corresponding to the trademark image, so that the payment account associated with the geographical position is obtained under the user account, the consumption money received by the merchant can be automatically divided into different bank accounts, and the management efficiency of the merchant on the revenue and expenditure accounts is improved.

EXAMPLE six

As an embodiment of the present invention, in addition to the above embodiments, as shown in fig. 13, the step S201 specifically includes a step S2011, and the steps S1301 and S1302 are further included after the step S202. The implementation principle of each step is detailed as follows:

s2011: the mobile terminal acquires the two-dimension code image and uploads the two-dimension code image to a server; wherein, the two-dimensional code image comprises the trademark image.

The implementation principle of this step is substantially the same as that of S201 described above, except that in the embodiment of the present invention, the image uploaded by the mobile terminal is a two-dimensional code image carrying a payment link of the opposite user, and the trademark image of the opposite user is included in the two-dimensional code image.

Illustratively, fig. 14 shows a two-dimensional code image of a elephant corporation, which is seen to contain, in the center, a brand image of the elephant corporation.

S1201: and the server analyzes a second payment link corresponding to the two-dimensional code image.

When the server receives the two-dimension code image uploaded by the mobile terminal, the two-dimension code image is analyzed through a preset two-dimension code recognition algorithm so as to determine the payment link borne by the two-dimension code image. For ease of distinguishing understanding, this payment link is referred to as a second payment link. Meanwhile, the server extracts the trademark image in the two-dimensional code image, analyzes a user account corresponding to the trademark image, and further acquires each first payment link corresponding to the user account in the data table.

S1202: and in each first payment link corresponding to the user account, if any first payment link is the same as the second payment link, the server returns the second payment link carrying the security authentication mark to the mobile terminal.

If the server confirms that one first payment link identical to the second payment link exists in each first payment link corresponding to the user account, the server indicates that the two-dimensional code image scanned by the mobile terminal is not a forged two-dimensional code, and the second payment link carried by the server is indeed payment information associated with the user account, so that the second payment link carrying the security authentication mark is returned to the mobile terminal.

If the server confirms that one first payment link identical to the second payment link does not exist in the first payment links corresponding to the user account, the two-dimensional code image scanned by the mobile terminal is a forged two-dimensional code, and therefore the second payment link with the risk warning mark is returned to the mobile terminal.

In S203, when the mobile terminal receives the second payment link carrying the security authentication mark, a payment page is generated based on access to the second payment link, and a security prompt message is sent in the payment page to prompt the user that the payment page has passed the security authentication.

When the mobile terminal receives a second payment link carrying a risk warning mark, a payment page is generated based on access to the second payment link, and risk warning information is sent out from the payment page to prompt a user that the payment page has potential payment risks.

For easy understanding, the above implementation flow can be specifically referred to fig. 15.

In the embodiment of the invention, the payment mode of the two-dimensional code is combined with the payment mode of the trademark image, so that the user can still finish payment through the second payment link carried by the two-dimensional code. Whether a first payment link which is the same as a second payment link corresponding to the two-dimensional code exists in a user account corresponding to the trademark image or not is identified by the server, the safety certification prompt information is sent out under the existence condition, and the risk warning information is sent out under the nonexistence condition, so that the user can improve the payment safety while using the two-dimensional code to carry out payment operation.

EXAMPLE seven

As an embodiment of the present invention, in addition to the sixth embodiment, as shown in fig. 16, the S1302 specifically includes S13021 and S13022. The implementation principle of each step is detailed as follows:

s13021: and the server analyzes the trademark name of the trademark image.

The image uploaded by the mobile terminal is a two-dimensional code image bearing a payment link, and the trademark image is contained in the two-dimensional code image. After the server analyzes the trademark image, the trademark name of the trademark image can be obtained.

Illustratively, fig. 17 shows a two-dimensional code image of a elephant business. As can be seen, the center of the two-dimensional code image contains the trademark image of the elephant enterprise, and the trademark image contains the character mark of the elephant enterprise,

the analyzed "elephant enterprise" is the brand name of the brand image.

S13022: and if any first payment link is the same as the second payment link in each first payment link corresponding to the user account and the brand name, the server returns the second payment link carrying the security authentication mark to the mobile terminal.

As can be seen from the above, in the data table stored in the server, the respective brand names corresponding to each user account are recorded. As shown in table 3:

TABLE 3

And analyzing a trademark name and a user account corresponding to the trademark image by the server according to the extracted trademark image in the two-dimensional code image. And the server determines each payment link corresponding to the brand name in the data record of the user account, and judges whether one payment link identical to the second payment link corresponding to the two-dimensional code image exists in each payment link corresponding to the brand name.

And if one payment link identical to a second payment link corresponding to the two-dimensional code image exists in each payment link corresponding to the trademark name, the server returns the second payment link carrying the security authentication mark to the mobile terminal.

And if one payment link which is the same as a second payment link corresponding to the two-dimensional code image does not exist in each payment link corresponding to the trademark name, the server returns the second payment link carrying the risk warning mark to the mobile terminal.

The embodiment of the invention is suitable for a scene that the same merchant has a plurality of shops and each shop has a plurality of bank accounts, and at the moment, each shop has a brand image unique to the shop and the brand image has a unique brand name. For example, in table 3, user account B is an account authenticated by the elephant group, and the elephant group has two stores, namely "Guilin rice flour" and "Du Jia cuisine", respectively. The trademark image of the Guilin rice flour store is trademark 1, the trademark name is Guilin rice flour, the bank account is a payment account number 66666 and a payment account number 77777, and the payment link is a link 6 and a link 7; the trademark image of the 'dujia cate' store is trademark 2, the trademark name is 'dujia cate', the bank accounts are a payment account 88888 and a payment account 99999, and the payment links are links 8 and 9. After the consumer consumes the store of 'dujia cuisine', the two-dimensional code image of the store is scanned, and then the two-dimensional code image is uploaded to the server. After the server extracts the trademark image from the two-dimensional code image, the server analyzes the trademark image, and detects that the user account matched with the trademark image is the user account B in table 3. And, the character identifier recognized from the extracted trademark image is "dujia food", the server determines the payment link corresponding to "dujia food", that is, the link 8 and the link 9, from the user account B. The server determines whether the second payment link carried by the two-dimensional code image is one of the link 8 or the link 9. If yes, returning a second payment link carrying the security authentication mark; and if not, returning a second payment link carrying the risk warning mark. Therefore, as long as the payment link carried by the two-dimensional code image is the payment link of any payment account number in the shop, the payment paid by the consumer can be correctly divided into the bank account number of the shop, and therefore the safety of the two-dimensional code payment is improved.

The implementation principle of the steps not mentioned in the embodiments of the present invention is the same as that of the steps in the above embodiments, and therefore, the details are not repeated. For easy understanding, the above implementation process can be specifically referred to fig. 18.

In the embodiment of the invention, each payment link corresponding to the trademark name analyzed from the two-dimensional code image is detected under the user account corresponding to the trademark image, whether a payment link identical to the second transaction link corresponding to the two-dimensional code exists is judged, and the security authentication information is sent only under the condition that the payment link exists, so that the security identification capability of the two-dimensional code image is enhanced, and the transaction security of the user is improved.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.

Example eight

Fig. 19 shows a block diagram of the online payment system provided in the embodiment of the present invention, and only the part related to the embodiment is shown for convenience of explanation.

Referring to fig. 19, the system includes a mobile terminal 191 and a server 192,

the mobile terminal 191 is configured to obtain a trademark image and upload the trademark image to the server 192.

The server 192 is configured to parse out a user account corresponding to the trademark image, and acquire payment information associated with the user account.

The mobile terminal 191 is further configured to generate a payment page according to the payment information associated with the user account returned by the server 192, so that the user performs an online payment operation in the payment page.

Optionally, the server 192 is further configured to parse out a brand name of the brand image.

The server 192 is further configured to match a user account corresponding to the brand name according to a pre-stored correspondence, and acquire payment information associated with the user account.

Optionally, the mobile terminal 191 is further configured to determine a payment mode at the current moment according to the received payment mode selection instruction, where the payment mode is a payment mode or a collection mode.

The mobile terminal 191 is further configured to generate a payment page corresponding to the payment mode according to the payment information associated with the user account returned by the server 192, so that the user performs an online payment operation in the payment page.

Optionally, the server 192 is further configured to obtain trademark registration information and a payment account of the user, so as to perform an audit process on the trademark registration information and the payment account, where the trademark registration information includes the trademark image.

If the verification confirmation information is received, the server 192 is further configured to create the user account based on the trademark registration information and the payment account.

Optionally, when the payment mode is a payment mode, if multiple payment accounts associated with the user account are detected, the server 192 is further configured to obtain the geographic location of the mobile terminal 191.

The server 192 is further configured to determine a payment account corresponding to the geographic location from the plurality of payment accounts.

The server 192 is further configured to obtain payment information related to the determined payment account.

Optionally, the mobile terminal 191 is further configured to obtain a two-dimensional code image, and upload the two-dimensional code image to a server; wherein, the two-dimensional code image comprises the trademark image.

The server 192 is further configured to parse out a second payment link corresponding to the two-dimensional code image.

In each first payment link corresponding to the user account, if any first payment link is the same as the second payment link, the server 192 is further configured to return the second payment link carrying the security authentication token to the mobile terminal 191.

In each first payment link corresponding to the user account and the brand name, if any first payment link is the same as the second payment link, the server 192 is further configured to return the second payment link carrying the security authentication mark to the mobile terminal 191.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. . Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.

Claims

1. An online payment method, comprising:

the mobile terminal acquires a trademark image and uploads the trademark image to a server, and the method comprises the following steps: the mobile terminal acquires a two-dimensional code image and uploads the two-dimensional code image to a server; wherein the two-dimensional code image comprises the trademark image;

the server analyzes a second payment link corresponding to the two-dimensional code image, and if any first payment link is the same as the second payment link in each first payment link corresponding to the user account, the server returns the second payment link carrying the security authentication mark to the mobile terminal;

the mobile terminal generates a payment page according to payment information which is returned by the server and is associated with the user account, so that a user can execute online payment operation in the payment page;

the server analyzes the user account corresponding to the trademark image, and the analysis comprises the following steps:

when the server receives the trademark image uploaded by the mobile terminal, inputting the trademark image into a preset neural network model;

and obtaining label information corresponding to the trademark image according to the output result of the neural network model, wherein the label information comprises a user account.

2. The online payment method of claim 1, wherein the server parses out a user account corresponding to the trademark image and obtains payment information associated with the user account, and the method comprises:

the server analyzes the trademark name of the trademark image;

and the server matches a user account corresponding to the trademark name according to a pre-stored corresponding relation, and acquires payment information associated with the user account.

3. The online payment method of claim 1, before the mobile terminal acquires a brand image and uploads the brand image to a server, further comprising:

the mobile terminal determines a payment mode at the current moment according to a received payment mode selection instruction, wherein the payment mode is a payment mode or a collection mode;

the mobile terminal generates a payment page according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page, and the method comprises the following steps:

and the mobile terminal generates a payment page corresponding to the payment mode according to the payment information which is returned by the server and is associated with the user account, so that the user executes online payment operation in the payment page.

4. The online payment method of claim 1, before the mobile terminal acquires a brand image and uploads the brand image to a server, further comprising:

the server acquires trademark registration information and a payment account of a user so as to audit the trademark registration information and the payment account, wherein the trademark registration information comprises the trademark image;

and if the verification confirmation information is received, the server creates the user account based on the trademark registration information and the payment account.

5. An online payment method as recited in claim 3, wherein when the payment mode is a payment mode, the obtaining payment information associated with the user account comprises:

if a plurality of payment accounts associated with the user account are detected, the server acquires the geographic position of the mobile terminal;

the server determines a payment account corresponding to the geographic position from the plurality of payment accounts;

and the server acquires payment information related to the determined payment account.

6. The online payment method according to claim 1, wherein, in each first payment link corresponding to the user account, if any first payment link is the same as the second payment link, the returning, by the server, the second payment link carrying the security authentication token to the mobile terminal includes:

the server analyzes the trademark name of the trademark image;

and if any first payment link is the same as the second payment link in each first payment link corresponding to the user account and the brand name, the server returns the second payment link carrying the security authentication mark to the mobile terminal.

7. An online payment system is characterized by comprising a mobile terminal and a server,

the mobile terminal is further used for acquiring a two-dimensional code image and uploading the two-dimensional code image to a server, wherein the two-dimensional code image comprises the trademark image

the server is further used for analyzing a second payment link corresponding to the two-dimensional code image, and if any one of the first payment links corresponding to the user account is the same as the second payment link, returning the second payment link carrying the security authentication mark to the mobile terminal;

the mobile terminal is further used for generating a payment page according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page;

8. The online payment system of claim 7, wherein the server is further configured to parse out a brand name of the brand image;

the server is further used for matching a user account corresponding to the trademark name according to a pre-stored corresponding relation and acquiring payment information associated with the user account.

9. The online payment system of claim 7, wherein the mobile terminal is further configured to determine a payment mode at the current time according to the received payment mode selection instruction, wherein the payment mode is a payment mode or a collection mode;

the mobile terminal is further used for generating a payment page corresponding to the payment mode according to the payment information which is returned by the server and is associated with the user account, so that the user can execute online payment operation in the payment page.

10. The online payment system of claim 7, wherein the server is further configured to obtain trademark registration information and a payment account number of the user, so as to perform an audit process on the trademark registration information and the payment account number, wherein the trademark registration information includes the trademark image;

and if the verification confirmation information is received, the server is also used for creating the user account based on the trademark registration information and the payment account.

11. The online payment system of claim 9, wherein when the payment mode is a payment mode, the server is further configured to obtain a geographic location of the mobile terminal if a plurality of payment accounts associated with the user account are detected;

the server is further used for determining a payment account corresponding to the geographic position from the plurality of payment accounts;

the server is further used for obtaining payment information related to the determined payment account.

12. The online payment system of claim 7, wherein the server is further configured to parse out a brand name of the brand image;

and if any first payment link is the same as the second payment link in each first payment link corresponding to the user account and the brand name, the server is further configured to return the second payment link carrying the security authentication mark to the mobile terminal.