CN107886327B - Mobile payment method and device and mobile terminal - Google Patents
Mobile payment method and device and mobile terminal Download PDFInfo
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- CN107886327B CN107886327B CN201711136021.6A CN201711136021A CN107886327B CN 107886327 B CN107886327 B CN 107886327B CN 201711136021 A CN201711136021 A CN 201711136021A CN 107886327 B CN107886327 B CN 107886327B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention relates to the technical field of mobile payment, and provides a mobile payment method, a mobile payment device and a mobile terminal. The method comprises the following steps: collecting fingerprint information and sensing the geographic orientation of the mobile terminal according to the payment behavior of the user; when receiving the fingerprint information, extracting a first direction of the fingerprint direction represented by the fingerprint ridge line from the fingerprint information; verifying the angle between the associated position and a first position and between the associated position and a second position for representing the geographic position based on the associated position in the position information set which is input in advance; and if the information for indicating the successful verification exists in the payment application which runs on the mobile terminal and is in the activated state, transmitting a payment request through the payment application. Therefore, the invention can solve the problem that the payment request sent by the payment application is unsafe due to the fact that the identity consistency of the user cannot be identified when the fingerprint information is verified in the mobile terminal because the fingerprint of the user is easy to leak.
Description
Technical Field
The invention relates to the technical field of mobile payment, in particular to a method and a device for transmitting a payment request when payment acts on a mobile terminal and the mobile terminal.
Background
In the related mobile payment technology, a mobile terminal comprises a payment verification method based on a fingerprint image and a digital password, and in the verification process of a payment application, the fingerprint image or the digital password is input according to an input instruction operated by a user on the mobile terminal and is matched with the fingerprint image or the digital password which is pre-recorded in the payment application so as to execute payment verification.
Taking payment verification on a mobile phone as an example, as shown in fig. 1, a mobile phone 100 includes a payment application in which a first fingerprint image is pre-entered, when the payment application is in an operating state, the payment application includes a payment page 110, the first fingerprint image and a digital password input control are displayed on a payment prompt box 111, in a payment verification process, when a second fingerprint image is entered into the mobile phone 100, fingerprint features are extracted from the second fingerprint image and matched with the first fingerprint image, and if matching is similar, the payment application executes payment; or after the user operation is performed on the digital password input control, matching the digital password input by the user with the digital password pre-entered in the payment application, and if the matching is consistent, executing payment by the payment application to realize that the mobile terminal sends a payment request to the server.
However, in the payment verification process of the payment application, the two payment verification methods have the basic technical concept that identity information used for representing the identity of a user is input twice before and after matching, in some scenes, the identity information is easy to leak, and the user who inputs the identity information in the mobile terminal at the next time imitates the fingerprint of the user who inputs the identity information at the previous time, so that the payment verification is successful, and the payment safety hidden danger is high.
Disclosure of Invention
In view of the above, the present invention provides a method and an apparatus for transmitting a payment request when a payment behavior occurs on a mobile terminal, and the mobile terminal, so as to solve the problem that the payment request sent by a payment application is not safe because the user authentication information is easily leaked and the consistency of the user identity cannot be identified when the fingerprint information is authenticated in the mobile terminal.
Specifically, the invention is realized by the following technical scheme:
in a first aspect, the present invention provides a method for transmitting a payment request when a payment behavior occurs on a mobile terminal, collecting fingerprint information and sensing a geographical position of the mobile terminal according to the payment behavior of a user, the method comprising the following specific steps:
when receiving the fingerprint information, extracting a first direction of the fingerprint direction represented by the fingerprint ridge line from the fingerprint information;
verifying the angle between the associated position and a first position and between the associated position and a second position for representing the geographic position based on the associated position in the position information set which is input in advance;
and if the information for indicating the successful verification exists in the payment application which runs on the mobile terminal and is in the activated state, transmitting a payment request through the payment application.
In a second aspect, based on the same concept, the present invention further provides an apparatus for transmitting a payment request when a payment behavior occurs on a mobile terminal, the apparatus collecting fingerprint information and sensing a geographic orientation of the mobile terminal according to the payment behavior of a user, comprising the following specific units:
an extraction unit configured to extract, when fingerprint information is received, a first orientation in which a fingerprint direction is represented by a fingerprint ridge line from the fingerprint information;
and the verification unit is used for verifying the angle between the associated azimuth and the first azimuth as well as the angle between the associated azimuth and the second azimuth used for representing the geographic azimuth based on the associated azimuth in the pre-entered azimuth information set.
And the transmission unit is used for transmitting the payment request through the payment application if the information used for indicating the successful verification exists in the payment application which runs on the mobile terminal and is in the activated state.
In a third aspect, based on the same concept, the present application further provides a mobile terminal, where the mobile terminal includes a processor, a fingerprint collector, a fingerprint feature library, and a compass application and a payment application that are stored in a memory and can run on the processor in parallel, and the processor executes the above programs to implement the method of the first aspect.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
compared with the prior art, the invention provides the following steps: according to the method, fingerprint information is collected and the geographic position of the mobile terminal is sensed according to the payment behavior of a user, the problem that identity information leaks when only fingerprint or digital verification is conducted in the prior art is solved through the angle relation between the first position extracted from the fingerprint information, the second position used for indicating the geographic position and the associated position input in advance, the uniqueness of identity information verification can be enhanced, further, in the payment operation process, information used for indicating successful verification is received or returned in payment application, a payment request can be transmitted, and the payment safety is enhanced.
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 description of the embodiments will be briefly introduced 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 creative efforts.
FIG. 1 is a diagram illustrating fingerprint information verification when a payment occurs on a mobile terminal in the prior art;
fig. 2 is a flowchart of a method for transmitting a payment request when a mobile terminal collects fingerprint information according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a compass application sensing geographic bearings in an activated state according to an embodiment of the present invention;
FIG. 4 is a schematic diagram illustrating a first orientation extraction from a fingerprint image according to an embodiment of the present invention;
fig. 5 is a detailed flowchart of the step S120 according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of determining an angle between a first orientation and a standard orientation provided by one embodiment of the present invention;
FIG. 7 is a schematic diagram of a first orientation and a second orientation when a payment is made, according to an embodiment of the present invention;
FIG. 7a is a schematic diagram of FIG. 7 in which a two-dimensional coordinate system is determined based on a preset image;
FIG. 7b is a schematic diagram of FIG. 7a illustrating the determination of an angle between the first orientation and the second, standard orientation based on a two-dimensional coordinate system;
fig. 8 is a schematic diagram of an apparatus for transmitting a payment request when a mobile terminal collects fingerprint information according to a second embodiment of the present invention;
fig. 9 is a structural diagram of a mobile terminal according to a third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
Example one
As shown in fig. 2, it is a flowchart of a method for transmitting a payment request when a mobile terminal collects fingerprint information according to the present invention, and the method includes the following specific steps:
step S110: when receiving the fingerprint information, extracting a first direction of the fingerprint direction represented by the fingerprint ridge line from the fingerprint information;
in this embodiment, the mobile terminal includes the display screen and is located the fingerprint sampler of display screen lower extreme, when the payment action of user takes place on mobile terminal, this payment action includes that the user's finger falls into the touch area of fingerprint sampler and the geographical position of user adjustment mobile terminal, the user's finger is in aforementioned touch area, fingerprint sampler can gather the fingerprint information in this touch area, generate the fingerprint image that includes fingerprint ridge characteristic based on fingerprint information, the processor extracts the first position that represents the fingerprint direction by fingerprint ridge from the fingerprint image.
Optionally, the mobile terminal further includes a pressure sensor array connected to the display screen, and when a user finger touches the display screen, the pressure sensor array is configured to sense brightness parameters of all pixel points on the display screen, and store the brightness parameters in sequence according to positions of the pixel points on the display screen, and the fingerprint acquisition device may generate a fingerprint image based on the brightness parameters.
Before a payment behavior, a user clicks a payment application shortcut icon displayed on a display screen to start a payment application, a first process is started to control the payment application to be in an operating state, the user enters a payment page after operating the payment application, and fingerprint information is collected in a touch area of a mobile terminal by the user according to payment prompt information displayed in the payment page.
Wherein, the payment application displaying the payment prompt is in an Active state, and the Active state is: the payment application runs on the front end of the mobile terminal and receives a display status when the processing event is received.
In order to avoid increasing the cost of the mobile terminal, a compass application is installed in the mobile terminal, whether a compass application program is in an operating state or not is detected in the process of collecting fingerprint information, if the compass application program is in the operating state, the geographic azimuth of the mobile terminal is sensed through the compass application, if the compass application program is not in the operating state, the compass application is started, and the compass application is controlled to be in the operating state through a second process different from the first process, so that the situation that a compass application and a payment application are operated in parallel is ensured.
In the process of parallel running of the compass application and the payment application, the payment application is kept in an activated state through a first process, and the compass application is kept running in a system background of the mobile terminal, so that the time that the compass application is suspended is prolonged in order to avoid suspending the compass application in the background, optionally, the specific method comprises the following steps: (1) copying the second thread to obtain a third thread, taking the second thread as a father thread, taking the third thread as a child process of the father process, circularly detecting whether the father process exists by the child process, and starting the child process if the father process does not exist; (2) and a timing task is created according to the running time of the compass application in the background, and the second process is called back before the task is finished and is executed circularly. The running time is the time of data processed by the program in the background, the program is suspended when the running time is exceeded, the suspended process is deleted when the system recovers the memory resources, and the application program is in the running state only by being restarted.
The compass application senses the geographic orientation of the mobile terminal according to the payment behavior of the user and outputs a second orientation for indicating the geographic orientation of the mobile terminal, and the second orientation can be transmitted to the payment application program through a broadcast message or directly stored in a preset storage space (such as a cache) in the mobile terminal, so that the second orientation is read from the preset storage space.
Compared with the mobile terminal provided with hardware such as a direction sensor, the compass application program is adopted to sense the second azimuth, so that the cost of the mobile terminal is not increased, the compass application program can be selected by a user, and the user experience is improved.
It should be noted that the mobile terminal may be a smart phone, a tablet computer, a notebook computer, or a wearable device, the fingerprint acquirer may be a push type or a sliding type fingerprint acquirer, and the foregoing mobile terminal and fingerprint acquirer are only examples.
Step S120: based on the associated position in the pre-entered set of position information, the magnitude of the angle between the associated position and the first position, and the second position used to characterize the geographic position, is verified.
In a mobile terminal running a payment application and a compass application simultaneously, a direction information set is pre-entered in a fingerprint feature library (for example, the storage path is data/system/users/0/fpdata), and the direction information set is entered through a fingerprint collector and the compass application when setting fingerprint payment in the payment application, and may include: the mobile terminal comprises a third direction of a preset fingerprint direction pointed by a fingerprint ridge line in a fingerprint image, a fourth direction used for indicating a preset geographical direction of the mobile terminal, a preset fault tolerance range and/or a preset included angle between the third direction and the fourth direction.
The fingerprint collector sends a request to the fingerprint feature library through the system API interface, and receives the associated orientation which is returned by the fingerprint feature library and is contained in the orientation information set, wherein the associated orientation is a parameter of a third orientation and a fourth orientation which are recorded in advance and is used for establishing an associated relationship containing the third orientation and the fourth orientation, namely the association between the third orientation and the fourth orientation can be realized, the association between the third orientation, the fourth orientation and a standard orientation can also be realized, and of course, the association of an included angle between the orientations calculated based on the orientations can also be realized.
And matching the first direction and the third direction in the system API interface, outputting at least the first direction and the associated direction if the similarity of the first direction and the third direction is higher than a threshold value, and outputting prompt information for prompting the user to input the fingerprint information again if the similarity of the first direction and the third direction is not higher than the threshold value.
The payment interface in the payment application at least receives a first position and an associated position, firstly verifies whether a first included angle between a third position and the first position contained in the associated position is within a first fault-tolerant range, if so, continuously verifies whether a second included angle between a fourth position and a second position contained in the associated position is within the first fault-tolerant range, if so, the verification is successful, first information used for indicating the verification success is returned, if not, the verification is failed, and second information used for indicating the verification failure is returned.
It should be noted that, the order of the verification associated position and the first position and the second position is not limited, and if the first included angle and/or the second included angle is not within the first fault-tolerant range, the second information for indicating the verification failure is returned, wherein the first fault-tolerant range is between 0 ° and 90 °, so that on the basis of improving the payment security, the problem that the time consumption for the verification failure is long due to inaccurate sensing of the second position can be overcome.
Illustratively, upon pre-entry of the set of bearing information, as shown in fig. 3, the user's right thumb (not shown) is positioned in the corresponding touch area 310 of the fingerprint picker, launching the compass application 320, jumping from the settings page for fingerprint payment in the payment application to the sensing page 321 in the compass application 320.
As the user adjusts the geographic orientation of the mobile terminal, the compass application 320 displays the sensed geographic position in the sensing page 321, the fourth orientation for indicating the geographic orientation is south 181 °, and generates a fingerprint image of the thumb based on the collected fingerprint information, as shown in fig. 4, taking the center line 410 of the fingerprint ridge line in the fingerprint image 400 as a reference line, extracting a direction parallel to the center line 410 and in which the center line 410 points to the fingerprint ridge line aggregation as a positive direction 420, the positive direction 420 being a third orientation, and marking the positive direction 420 with the fourth orientation 181 ° to establish an associated orientation.
The pre-entered orientation information set may be stored in a list form or in a Json data structure, and the specific storage manner is not limited, so that the associated orientation in the orientation information set can be stored.
In the payment process, referring to fig. 1 and 3, the compass application 320 is in the background operation and the payment page 110 is in the foreground operation, at this time, the geographic orientation of the sensing mobile terminal is south 196, the south 196 ° is used for indicating a second orientation of the geographic orientations, and a first orientation is extracted from a fingerprint image based on the user's birthday, a first included angle between the first orientation and the third orientation is 30 °, a second included angle between the second orientation and the fourth orientation is 15 °, both included in a first fault tolerance range of 0 ° to 60 °, and first information returned in the payment interface is Success, and Success is indicated by Success.
Exemplarily, a first included angle between the first azimuth and the third azimuth is 20 °, a second included angle between a second azimuth marking the first azimuth and a fourth azimuth marking the third azimuth is 60 °, the first fault tolerance range is 0-50 °, wherein the second included angle is 60 ° out of the first fault tolerance range, and the returned second information is fail, which indicates that the verification fails.
As another embodiment, on the basis of fig. 2, the present invention further discloses a detailed flowchart after step S120, and as shown in fig. 5, step S120 further includes the following specific steps:
step S121: and determining a fifth included angle between the second direction and the standard direction based on a third included angle between the second direction and the standard direction and a fourth included angle between the second direction and the first direction, and searching for an associated direction matched with the fifth included angle from the direction information set.
When the compass application senses the second bearing, the standard bearing and a third angle between the standard bearing and the second bearing may be sensed simultaneously.
In a preset two-dimensional coordinate system, firstly, a vertical coordinate represents the column direction of the resolution of a display screen, a horizontal coordinate represents the row direction of the resolution of the display screen, the first direction is restored in the two-dimensional coordinate system according to a first direction extracted from a fingerprint image, then, a sensed second direction is represented in the positive direction of the vertical coordinate, a fourth included angle between the second direction and the first direction is calculated, the fourth included angle can be used for representing the angle between a finger and the mobile terminal in the parallel direction when fingerprint information is collected, finally, a standard direction is restored in the two-dimensional coordinate system based on a third included angle between the second direction and the standard direction, and a fifth included angle between the first direction and the standard direction is determined.
Step S122: and when the fourth included angle is within the second fault-tolerant range, verifying the magnitude relation between the fourth included angle and a sixth included angle contained in the azimuth information set.
Firstly, verifying whether the fourth included angle is within a second fault-tolerant range; if the fourth included angle is within the second fault-tolerant range, inquiring an incidence relation matched with the fifth included angle from the azimuth information set, calculating a sixth included angle between a third azimuth and a fourth azimuth contained in the incidence relation, and verifying the magnitude relation between the sixth included angle and the fourth included angle; if the fourth angle is outside the second fault-tolerant range, the payment behavior of the user is represented as misoperation, at this time, a predefined event can be triggered in the payment application in the activated state, and the predefined event can be a click event or a page jump event.
If the fourth included angle is smaller than or equal to the sixth included angle, returning a first message for indicating that the verification is successful; and if the fourth included angle is larger than the sixth included angle, returning a second message for indicating that the verification fails.
Exemplarily, as shown in fig. 6, in the two-dimensional coordinate system 600, the second direction 610 is represented by a positive direction of an ordinate, the angle 196 ° between the second direction and true north sensed by the compass application is a third included angle, the true north direction 620 is restored along a clockwise direction of the second direction 610, the true north direction 620 represents a standard direction, and the first direction 630 is restored along a parallel direction of the second direction 610, wherein the positive direction of the ordinate is a direction opposite to a resolution scanning direction on the display screen, and the scanning direction is a direction from top to bottom of the resolution.
The angle between the first direction 630 and the second direction 610 is a fourth angle, the fourth angle is 30 °, the fourth angle 30 ° is within the second fault-tolerant range of 10 ° -70 °, at this time, a fifth angle 226 ° is obtained according to the sum of the fourth angle and the third angle, the associated orientation matched with the fifth angle is searched from the orientation information set stored in the fingerprint feature library, the associated orientation is 215 ° -south 175 ° -40 °, wherein south 175 ° represents the fourth orientation, 215 ° represents the angle between the fourth orientation and the standard orientation, that is, the sixth angle between the fourth orientation and the third orientation is 40 °, and the sixth angle is not less than 30 °, and the first information of successful verification is returned, and the first information may be a boolean logic value true.
If the sixth angle is less than the fourth angle, for example: the associated orientation is 240-190-50 deg. south, the fourth angle is 60 deg., the sixth angle is 50 deg., at which point a boolean logic value false is returned, the false being used to indicate a verification failure.
Optionally, in the process of searching for the associated orientation matched with the fifth included angle, it is verified whether the fifth included angle matches the included angle between the third orientation and the standard orientation included in the associated relationship, if the difference between the included angle and the fifth included angle is within the second fault-tolerant range, the associated relationship is extracted, and if the difference between the included angle and the fifth included angle is outside the second fault-tolerant range, the associated relationship is filtered out.
Optionally, in order to overcome the problem that the accuracy of the verification angle is affected due to the fact that the second direction and the fourth direction have a deviation when the second direction and the fourth direction are located at different geographic positions, so that user experience is improved, and whether the difference value between the fourth included angle and the sixth included angle is within a third fault-tolerant range is verified; if the difference value is within a third fault-tolerant range, returning first information for indicating successful verification; and if the difference value is out of the third fault tolerance range, returning second information for indicating that the verification fails.
Exemplarily, when a user payment action occurs on the mobile phone 700, a left thumb (not shown) of the user falls into the touch area 710 of the fingerprint collector, fingerprint information is collected, the fingerprint information includes a first orientation 711 for indicating a direction of the left thumb, and a compass application running in a system background of the mobile phone 710 senses a geographic orientation of the mobile phone 710 and outputs a second orientation 712 for indicating the geographic orientation, where the second orientation 712 is parallel to the mobile phone and perpendicular to the touch area 710, as shown in fig. 7.
Wherein a first orientation 711 is identified from the collected fingerprint information and the second orientation 712 is restored in the preset image, as shown in fig. 7a, in the preset image 700, a two-dimensional coordinate system is constructed with the second orientation 712 as a vertical coordinate X and a direction in which the second orientation 712 is in the same direction as the vertical coordinate positive direction, and a direction perpendicular to the vertical coordinate X as a horizontal coordinate Y and a direction in which 90 ° is formed along the clockwise direction and the vertical coordinate as a very coordinate Y positive direction, wherein a third included angle between the second orientation 712 (northwest 306 °) and the standard orientation (north 360 °) is 360 ° -306 ° =54 °, in the constructed two-dimensional coordinate system 7b10, the standard orientation is restored based on the third included angle and the second orientation, and the first orientation 711 is restored, as shown in fig. 7 b.
Based on the second orientation 712 and the first orientation 711 in the two-dimensional coordinate system 7b10, a fourth angle between the two orientation vectors is calculated, and a fifth angle is obtained by calculating the sum of the third angle and the fourth angle, wherein the fourth angle is smaller than 90 °, and the fifth angle is larger than 90 °.
Searching for a related azimuth matched with the fifth included angle from an azimuth information set pre-recorded in the mobile phone 700, where the searched related azimuth is 115 ° to 65 °, where 115 ° is an included angle between the standard azimuth and the third azimuth, and 65 ° is a sixth included angle between the third azimuth and the fourth azimuth, and accordingly, the determination process of the sixth included angle and the included angle between the standard azimuth and the third azimuth is similar to the determination process of the fourth included angle and the fifth included angle in the verification process, and is not described herein again.
On the basis that the fourth included angle 61 degrees is between 5 degrees and 90 degrees of the second fault-tolerant range, judging whether the difference value 4 degrees between the sixth included angle and the fourth included angle is within 0-10 degrees of the third fault-tolerant range, if so, returning a verification success character string, and otherwise, returning a verification failure character string. Therefore, the consistency of the identity information input twice in the payment verification process can be enhanced, and the payment safety is improved.
As another optional specific embodiment, when a fingerprint is pre-recorded, the extracted third orientation image is marked by using a fourth orientation to form an associated orientation, when the orientation is verified, the size relationship between the fourth orientation and the second orientation is judged, the third orientation image is searched, and the searched third orientation image and the first orientation image are matched to determine whether the first orientation and the second orientation are similar, if so, first information for indicating successful verification is returned, and if not, second information for indicating failed verification is returned. Those skilled in the art can implement the method according to the guidance concept, and the detailed description is omitted here.
Step S130: and if the information for indicating the successful verification exists in the payment application which runs on the mobile terminal and is in the activated state, transmitting a payment request through the payment application.
Preferably, a payment interface in the payment application communicates with a communication interface in the android system, the payment interface receives an associated position in a preset position information set through the communication interface, verifies the associated position and a first position, and after an angle between the associated position and a second position used for representing the geographic position is large, if first information used for indicating successful verification is returned from the payment interface, a payment request is uploaded to a payment server through the payment interface in the activated payment application, the payment request may be a payment verification request, a Token description field used for performing identity verification on a payment account is carried in the payment verification request, after the payment server receives the payment verification request, the Token description field is verified, and when the verification is consistent with a registered account, payment service is processed.
Optionally, the system communication interface verifies the angle size relationship, and transmits a verification result to the payment interface, and the payment interface transmits a payment request to the communication interface in the system according to the verification result.
The verification result includes the first information or second information used for indicating that verification fails, if the first information is received, the payment interface transmits a payment request, and if the second information is received, the payment interface calls a predefined event and displays indication information used for indicating a user to adjust payment behavior on a payment page, where the information may be "adjust the directions of a mobile phone and a finger", or only generate prompt information related to one direction according to the verification result, for example: and adjusting the orientation of the mobile phone. Therefore, the payment safety is improved, meanwhile, the user can sense the verification result, and the user experience is improved.
It should be noted that the different embodiments described above may be combined with each other, where the verification algorithms may be switched to each other, if one verification algorithm returns the second information, another verification algorithm may be switched to verify again, if the second information is still returned, it is determined that the verification fails, and indication information for indicating to adjust the payment behavior is displayed on the payment page, so as to re-input the first orientation and the second orientation.
Example two
Based on the same concept, the second embodiment of the present invention further provides a device for transmitting a payment request when a payment action occurs on a mobile terminal, where the device may be implemented by software, or implemented by hardware, or implemented by a combination of hardware and software. Taking software implementation as an example, the device for transmitting payment requests of the invention is a device in a logic meaning, and is formed by reading corresponding computer program instructions in a memory and then operating through a CPU of the device.
Referring to fig. 8, a device 800 for transmitting a payment request according to an exemplary embodiment of the present invention, the device 800 being capable of collecting fingerprint information and sensing a geographic location of a mobile terminal according to a payment behavior of a user, the device 800 comprising the following specific elements:
an extracting unit 810 for extracting a first orientation indicating a fingerprint direction by a fingerprint ridge from the fingerprint information when the fingerprint information is received;
a verification unit 820 for verifying the magnitude of an angle between the associated position and the first position and the second position for representing the geographical position based on the associated position in the pre-entered position information set;
a transmission unit 830, configured to transmit a payment request through the payment application if information indicating that the verification is successful exists in the payment application running on the mobile terminal and in the activated state.
Among other things, transmission unit 830 includes payment interface 831 and communication interface 832 in communication with payment interface 831, and communication interface 832 receives a payment request sent by payment interface 831.
Optionally, the verification unit comprises a calculation unit and a message determination unit in data transmission with the calculation unit, wherein the calculation unit is configured to calculate a first angle between the first position and a third position included in the associated positions, and a second angle between a fourth position included in the associated positions and the second position; the message determining unit is used for returning information used for indicating successful verification according to the size relation among the first included angle, the second included angle and the first fault-tolerant range.
Optionally, the verification unit includes a calculation unit, an inquiry unit, a first verification unit, and a second verification unit, where the calculation unit is configured to determine a fifth angle between the second orientation and the standard orientation based on a third angle between the second orientation and the standard orientation and a fourth angle between the second orientation and the first orientation; the query unit is used for querying the associated azimuth matched with the fifth included angle from a preset azimuth information set;
the first verification unit is used for verifying the size relationship between the fourth included angle and the second fault-tolerant range;
and the second verification unit is used for verifying the angle between the fourth included angle and a sixth included angle contained in the searched associated azimuth when the fourth included angle is within the second fault-tolerant range.
The implementation process of the functions and actions of each unit in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.
EXAMPLE III
Referring to fig. 9, a mobile terminal 900 is further provided in the third embodiment of the present invention, where the mobile terminal 900 includes a processor 910, a fingerprint acquirer 920 and a communication interface 940, and a compass application and a payment application that are stored in a memory 930 and can run in parallel on the processor.
The fingerprint collector 920 is configured to collect fingerprint information according to a payment behavior of a user, and when the fingerprint information is received, extract a first direction in which a fingerprint ridge represents a fingerprint direction from the fingerprint information;
when a compass application and a payment application are running on the processor 910, the processor 910 reads a set of bearing information from the fingerprint feature library 950 and calculates an angle between the associated bearing and a first bearing, and a second bearing that characterizes the aforementioned geographic bearing;
the compass application senses a geographic orientation of the mobile terminal based on the user payment behavior;
the payment application verifies the angle between the associated position and a first position and between the associated position and a second position for representing the geographic position based on the associated position in the position information set which is input in advance; if the information for indicating the successful verification exists in the payment application which runs on the mobile terminal and is in the activated state, transmitting a payment request;
optionally, in the process of transmitting the payment request, a payment interface in the payment application sends the payment request to the communication interface, and sends the payment request through the communication interface 940, and the control bus 960 is connected to the processor 910, the fingerprint acquirer 920, the communication interface 940, and the fingerprint feature library 950.
Those skilled in the art will appreciate that all or part of the processes in the above-described implementation methods can be implemented by hardware related to computer program instructions, and the program can be stored in a computer readable storage medium, and when the program is executed, the processes in the above-described embodiments can be included in cooperation with a mobile terminal. The storage medium may be a magnetic disk, an optical disk, a read-only memory or a random access memory.
The specific functions or functions are similar to those described in the first embodiment, and those skilled in the art can implement the technical solution and similar technical effects by combining the steps described in the first embodiment, which are not described herein again.
For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (9)
1. A mobile payment method for use on a mobile terminal, collecting fingerprint information and sensing a geographical position of the mobile terminal according to a user payment behavior, the method comprising the steps of:
responding to user operation, enabling the payment application to be in a foreground running state and enabling the compass application to be in a background running state;
receiving the fingerprint information collected by a touch area to extract a first azimuth representing a fingerprint direction by a fingerprint ridge line from the fingerprint information and confirm a second azimuth representing the geographic azimuth output by the compass application, wherein the second azimuth is parallel to the mobile terminal and is vertical to the touch area;
determining an associated azimuth corresponding to the first azimuth in a pre-entered azimuth information set based on the first azimuth, wherein the azimuth information set is entered during the setting of the payment application, the azimuth information set comprises a third azimuth and a fourth azimuth having a mapping relation with the third azimuth, the third azimuth is a preset fingerprint direction pointed by a fingerprint ridge line in a fingerprint image entered through a fingerprint collector during the setting of the payment application, and the fourth azimuth is an azimuth corresponding to a preset geographical azimuth of the mobile terminal indicated by the third azimuth and entered through the compass application during the setting of the payment application; the associated azimuth comprises a target third azimuth and a target fourth azimuth which have a mapping relation, the target third azimuth is a third azimuth with similarity higher than a threshold value with the first azimuth in the azimuth information set, and the target fourth azimuth is a fourth azimuth with a mapping relation with the target third azimuth in the azimuth information set;
when an included angle between the first direction and the target third direction and an included angle between the second direction and the target fourth direction are both within a first fault-tolerant range, generating a first message indicating that verification is successful;
causing the payment application to make a payment in response to the first message.
2. The method of claim 1, wherein after determining the associated position corresponding to the first position, the method further comprises:
calculating a first included angle between the first direction and the third direction of the target and a second included angle between the fourth direction of the target and the second direction;
and determining the size relationship among the first included angle, the second included angle and the first fault tolerance range.
3. The method of claim 1, further comprising:
and generating second information for indicating verification failure when at least one of the included angle between the first direction and the target third direction and the included angle between the second direction and the target fourth direction is not within a first fault tolerance range.
4. The method of claim 1, wherein placing the compass application in a background running state comprises:
creating a second thread so that the compass application is in a background running state;
the method further comprises the following steps:
replicating the second thread to generate a third thread, wherein the third thread is configured to have the second thread as a parent process and to start when the parent process is absent.
5. The method of claim 1, said placing a compass application in a background running state comprising:
creating a second thread so that the compass application is in a background running state;
the method further comprises the following steps:
creating a timed task for the compass application according to a runtime at which the compass application can process data in the background, the timed task for causing the mobile terminal to call back the second thread before the timed task ends.
6. The method of claim 4, wherein the compass application is used to indicate a direction of the mobile terminal relative to a geographic south direction and/or relative to a geographic north direction.
7. The method of any of claims 1-6, wherein placing the compass application in a background running state comprises:
detecting whether the compass application is in an operational state;
if the compass application is not in a running state, starting the compass application, enabling the started compass application and the started payment application to run in parallel, and keeping the payment application in an activated state, wherein the compass application is in a background running state;
sensing the second bearing while in background operation if the compass application is in an operational state.
8. The method according to any one of claims 1 to 6, wherein said causing the payment application to make a payment specifically comprises:
receiving first information sent by a communication interface in a system;
when the first information is received, a payment interface in the payment application is called and a payment request is transmitted through the payment interface.
9. A mobile terminal, characterized in that the mobile terminal comprises: a processor for implementing the method of any one of claims 1-8, a fingerprint gatherer, and a compass application and a payment application stored in the memory and executable in parallel on the processor.
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| CN110718002A (en) * | 2018-07-12 | 2020-01-21 | 河南森源重工有限公司 | Vehicle door unlocking method and system |
| CN112395925B (en) * | 2019-08-19 | 2024-03-26 | 深圳富泰宏精密工业有限公司 | Under-screen fingerprint registration method and electronic device |
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