CN108470280A - A kind of method of payment and mobile terminal - Google Patents
A kind of method of payment and mobile terminal Download PDFInfo
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- CN108470280A CN108470280A CN201810220819.7A CN201810220819A CN108470280A CN 108470280 A CN108470280 A CN 108470280A CN 201810220819 A CN201810220819 A CN 201810220819A CN 108470280 A CN108470280 A CN 108470280A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- 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
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/40—Spoof detection, e.g. liveness detection
- G06V40/45—Detection of the body part being alive
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Abstract
The embodiment of the invention discloses a kind of method of payment and mobile terminals, are used for technical field of mobile terminals.Present invention method includes：The first payment request is obtained, when target user pays, prompts validation information；Receive the verification information of target user's input；When verification information is verified, the networked information of target user is obtained；The actual attribute information that target user is determined according to networked information judges whether actual attribute information is consistent with the target property information that target user has prestored, if unanimously, really stating target user and verifying successfully, paid to the first payment request.The present invention has also used networked information other than using monomer information, improves payment safety.Avoid user's property loss.
Description
Technical field
The present invention relates to technical field of mobile terminals, more particularly to a kind of method of payment and mobile terminal.
Background technology
Nowadays e-payment has become the widely used means of payment in people's daily life, and e-payment refers to unit or a
People directly or indirectly sends out payment instruction by electric terminal to bank and other financial mechanism, realizes the transfer of currency Zhi Fuyu funds
Process.
Existing e-payment verification is typically limited to monomer information, such as verification information input by user (can use
Name in an account book and password) etc., but monomer information is easy to be stolen by others, it is not high so as to cause payment safety.
Invention content
An embodiment of the present invention provides a kind of method of payment and mobile terminal, avoid in the prior art payment safety it is not high
The problem of.
In a first aspect, the application provides a kind of method of payment, it is applied to mobile terminal, the method includes：
The first payment request is obtained, when target user pays, prompts validation information；
Receive the verification information of target user's input；
When the verification information is verified, the networked information of the target user is obtained；
Determine that the actual attribute information of the target user, the actual attribute information are used for table according to the networked information
Show the identity type of the target user；
Judge whether the actual attribute information is consistent with the target property information that the target user has prestored, if one
It causes, it is determined that the target user verifies successfully, is paid to first payment request.
Further, before the networked information of the target user, the method further includes：
Judge whether the target user is live body user.
Further, described to judge whether the target user is live body user, including：
The camera for starting terminal built-in, is identified the face area of the target user, judges that the target is used
Whether family blinks whithin a period of time, if so, determining that the target user is live body user.
Further, the camera for starting terminal built-in, is identified the face area of the target user, wraps
It includes：
Start camera and carry out surrounding scanning, after scanning the face area for determining the target user, determines mobile terminal
The location parameter of itself；
Shooting area is adjusted according to the location parameter, so that the shooting area can cover always the target
The face area of user.
Further, described to include come the process for adjusting shooting area according to the location parameter：
When mobile terminal is overlooked or is looked up, pitch angle is obtained by the location parameter, the pitch angle is used for
The angle that instruction terminal deviates downward or upward；
The adjustment angle of the camera is calculated using following formula according to the pitch angle；
According to the shooting angle for adjusting the angle the adjustment camera, so that shooting area can cover always mesh
Mark the face area of user；
Or,
(Xworld, the Zworld) is the coordinate of the face area of the target user, described (Xcamera,
Zcamera it is) coordinate of the shooting area, it is describedFor the pitch angle, the φ is the adjustment angle, and the θ is institute
The angle of shooting area is stated, the m is the length of the camera, the dxIt is the camera and the target user
The vertical range of face area, the dzFor the horizontal distance of the camera and the face area of the target user.
Further, the process of the networked information for obtaining the target user includes：
Read the contact person in the high in the clouds address list of the target user；
It obtains contact person and information is pointed out to the attribute of the target user, it is the target user which, which points out information,
Networked information.
Further, described that the process packet that information determines the actual attribute information of the target user is pointed out according to attribute
It includes：
The first probability of each candidate attribute information of each user of information initializing is pointed out according to the attribute, each user includes
The contact person of target user and the target user；
Relationship is pointed out according to the attribute between the first probability and each user of each candidate attribute information of each user
Iterate to calculate the second probability of each candidate attribute information of each user；
When meeting preset stopping criterion for iteration, the third of each candidate attribute information of each user when iteration ends is exported
Probability；
For the target user, using the highest candidate attribute information of third probability as the practical category of the target user
Property information, the target user belong to each user.
Further, first probability is calculated as follows：
The Wi,jFor the first probability of the candidate attribute information j of user i；
The contact that the candidate attribute information of the user i is j is pointed out in the contact person that the count (j) is the user i
The quantity of people；
It is describedThe candidate attribute information that the user i is pointed out in contact person for the user i is to appoint
The quantity of the contact person of what value.
Further, following formula is repeated, second probability is iterated to calculate：
Wi,j=Vi,j；
The Vi,jFor the second probability of the candidate attribute information j of the user i；
The α is iterative rate control parameter, and the α is constant, and the α is used to adjust the speed of iterative calculation；
The βkFor weight coefficient, when the attribute information that user k points out user i is j, and the attribute information of user k is also j
When, the βkThe first numerical value is taken, when the attribute information that user k points out user i is j, and the attribute information of user k is not j, institute
State βkSecond value, first numerical value is taken to be more than the second value；
The m is the total quantity of all types attribute information；
The n be the user i contact person in the user i have attribute point out relationship contact person quantity.
Further, the method further includes：
The second payment request is obtained, when target user pays, prompts validation information；
Receive the verification information of target user's input；
When the verification information is verified, second payment request is paid；
Wherein, first payment request corresponds to preset important kind payment request, and second payment request corresponds to
General type payment request.
Second aspect, the application also provide a kind of mobile terminal, including memory, processor and are stored in the memory
Computer program that is upper and can running on the processor, wherein can be with when the processor execution computer program
Realize any method in first aspect.
In the present invention, after obtaining the first payment request, when determining that the verification information of target user's input is verified,
The networked information of target user can be also obtained, and determines the actual attribute information of target user according to networked information, the practical category
Property information be used to indicate the identity type of target user, only when the target for determining that actual attribute information has prestored with target user
When attribute information is consistent, just can determine whether that target user verifies successfully, the first payment request paid, thus the present invention in addition to
It uses except monomer information, has also used networked information, improve payment safety.Avoid user's property loss.
Description of the drawings
Fig. 1 is one embodiment schematic diagram of method of payment in the embodiment of the present invention；
Fig. 2 is one embodiment schematic diagram of mobile terminal in the embodiment of the present invention.
Specific implementation mode
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only
The embodiment of a part of the invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill people
The every other embodiment that member is obtained without making creative work should all belong to the model that the present invention protects
It encloses.
The (if present)s such as term " first ", " second " in description and claims of this specification and above-mentioned attached drawing
It is for distinguishing similar object, without being used to describe specific sequence or precedence.It should be appreciated that the number used in this way
According to can be interchanged in the appropriate case, so as to the embodiments described herein can in addition to the content for illustrating or describing herein with
Outer sequence is implemented.In addition, term " comprising " and " having " and their any deformation, it is intended that cover non-exclusive packet
Contain, for example, containing what the process of series of steps or unit, method, system, product or equipment were not necessarily limited to clearly to list
Those steps or unit, but may include not listing clearly or intrinsic for these processes, method, product or equipment
Other steps or unit.
Referring to Fig. 1, one embodiment of method of payment includes in the embodiment of the present invention：
S101, the first payment request is obtained, when target user pays, prompts validation information；
S102, the verification information for receiving target user's input；
Wherein, the verification information of input can be numerical ciphers, gesture, the verification informations such as fingerprint.
S103, when the verification information is verified, obtain the networked information of the target user；
S104, the actual attribute information that the target user is determined according to the networked information, the actual attribute information
Identity type for indicating the target user；
S105, judge whether the actual attribute information is consistent with the target property information that the target user has prestored,
If consistent, it is determined that the target user verifies successfully, is paid to first payment request.
In the present invention, after obtaining the first payment request, when determining that the verification information of target user's input is verified,
The networked information of target user can be also obtained, and determines the actual attribute information of target user according to networked information, the practical category
Property information be used to indicate the identity type of target user, only when the target for determining that actual attribute information has prestored with target user
When attribute information is consistent, just can determine whether that target user verifies successfully, the first payment request paid, thus the present invention in addition to
It uses except monomer information, has also used networked information, improve payment safety.Avoid user's property loss.
Further, it in the embodiment of the present invention, before the networked information of the target user described in acquisition for mobile terminal, also needs
Further to judge whether the target user is live body user, to prevent the case where computer makes repeated attempts.Therefore, in institute
Before the networked information for stating target user, the method can also include：Judge whether the target user is live body user.
Further, described to judge whether the target user is live body user, including：
The camera for starting terminal built-in, is identified the face area of the target user, judges that the target is used
Whether family blinks whithin a period of time, if so, determining that the target user is live body user.
Further, since the parameters such as target user's face orientation may change, in order to ensure that camera can be aligned
The face of target user needs to start camera progress surrounding scanning, after scanning the face area for determining target user, it is also necessary to
Mobile terminal determines the location parameter of itself, then adjusts shooting area according to the location parameter, so that shooting area one
Directly it is capable of the face area of coverage goal user.The i.e. described camera for starting terminal built-in, to the face of the target user
Region is identified, and may include：Start camera and carry out surrounding scanning, scanning determines the face area of the target user
Afterwards, the location parameter of mobile terminal itself is determined；Shooting area is adjusted according to the location parameter, so that the shooting area
Domain can cover always the face area of the target user.
Further, described to include come the process for adjusting shooting area according to the location parameter：
When mobile terminal is overlooked or is looked up, pitch angle is obtained by the location parameter, the pitch angle is used for
The angle that instruction terminal deviates downward or upward；
The adjustment angle of the camera is calculated using following formula according to the pitch angle；
According to the shooting angle for adjusting the angle the adjustment camera, so that shooting area can cover always mesh
Mark the face area of user；
Or,
(Xworld, the Zworld) is the coordinate of the face area of the target user, described (Xcamera,
Zcamera it is) coordinate of the shooting area, it is describedFor the pitch angle, the φ is the adjustment angle, and the θ is institute
The angle of shooting area is stated, the m is the length of the camera, the dxIt is the camera and the target user
The vertical range of face area, the dzFor the horizontal distance of the camera and the face area of the target user.
Further, the process of the networked information for obtaining the target user includes：
Read the contact person in the high in the clouds address list of the target user；
It obtains contact person and information is pointed out to the attribute of the target user, it is the target user which, which points out information,
Networked information.
Further, described that the process packet that information determines the actual attribute information of the target user is pointed out according to attribute
It includes：
The first probability of each candidate attribute information of each user of information initializing is pointed out according to the attribute, each user includes
The contact person of target user and the target user；
Relationship is pointed out according to the attribute between the first probability and each user of each candidate attribute information of each user
Iterate to calculate the second probability of each candidate attribute information of each user；
When meeting preset stopping criterion for iteration, the third of each candidate attribute information of each user when iteration ends is exported
Probability；
For the target user, using the highest candidate attribute information of third probability as the practical category of the target user
Property information, the target user belong to each user.
Further, first probability is calculated as follows：
The Wi,jFor the first probability of the candidate attribute information j of user i；
The contact that the candidate attribute information of the user i is j is pointed out in the contact person that the count (j) is the user i
The quantity of people；
It is describedThe candidate attribute information that the user i is pointed out in contact person for the user i is to appoint
The quantity of the contact person of what value.
Further, following formula is repeated, second probability is iterated to calculate：
Wi,j=Vi,j；
The Vi,jFor the second probability of the candidate attribute information j of the user i；
The α is iterative rate control parameter, and the α is constant, and the α is used to adjust the speed of iterative calculation；
The βkFor weight coefficient, when the attribute information that user k points out user i is j, and the attribute information of user k is also j
When, the βkThe first numerical value is taken, when the attribute information that user k points out user i is j, and the attribute information of user k is not j, institute
State βkSecond value, first numerical value is taken to be more than the second value；
The m is the total quantity of all types attribute information；
The n be the user i contact person in the user i have attribute point out relationship contact person quantity.
Further, present invention method can also include：
The second payment request is obtained, when target user pays, prompts validation information；
Receive the verification information of target user's input；
When the verification information is verified, second payment request is paid；
Wherein, first payment request corresponds to preset important kind payment request, and second payment request corresponds to
General type payment request.
In the present embodiment, the payment request of default important kind can be that (user can be self-defined, example more than preset cost
Such as 500 yuan) payment request, corresponding general type payment request can be less than the payment request of preset cost.In addition, pre-
The payment request of action types if the payment request of important kind can transfer accounts etc., and general type payment request can be barcode scanning
Payment request (such as mobile barcode scanning payment now).Certainly, the payment request for presetting important kind can also include a kind of or more
One or more in kind situation, such as two kinds of the example above, general type payment request can also include the example above
It is one or more in two kinds, it is not construed as limiting herein.
In this way, in the embodiment of the present invention, for presetting the payment request of important kind, more complicated verification may be used
Mode (i.e. monomer information+networked information verification), avoids user's property loss, for general type payment request, then can adopt
With common verification mode (only monomer information), on the one hand it can ensure important payment request secure payment in this way, on the other hand
For common payment request, mobile terminal calculation amount can be reduced, improves payment efficiency and speed, promotes user experience.
As shown in Fig. 2, the present invention also provides a kind of mobile terminal, which includes memory 201, processor 202
And it is stored in the computer program 203 that can be run on the memory and on the processor, wherein the processor 202
The method of payment described in any embodiment in above-mentioned method of payment may be implemented when executing the computer program 203.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be the indirect coupling by some interfaces, device or unit
It closes or communicates to connect, can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.Above-mentioned integrated list
The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, technical scheme of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention
Portion or part steps.And storage medium above-mentioned includes：USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey
The medium of sequence code.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although with reference to before
Stating embodiment, invention is explained in detail, it will be understood by those of ordinary skill in the art that：It still can be to preceding
The technical solution recorded in each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
Modification or replacement, the spirit and scope for various embodiments of the present invention technical solution that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of method of payment, which is characterized in that it is applied to mobile terminal, the method includes：
The first payment request is obtained, when target user pays, prompts validation information；
Receive the verification information of target user's input；
When the verification information is verified, the networked information of the target user is obtained；
The actual attribute information of the target user is determined according to the networked information, the actual attribute information is for indicating institute
State the identity type of target user；
Judge whether the actual attribute information is consistent with the target property information that the target user has prestored, if unanimously,
It determines that the target user verifies successfully, first payment request is paid.
2. according to the method described in claim 1, it is characterized in that, before the networked information of the target user, the side
Method further includes：
The camera for starting terminal built-in, is identified the face area of the target user, judges that the target user is
It is no to blink whithin a period of time, if so, determining that the target user is live body user.
3. according to the method described in claim 2, it is characterized in that, it is described start terminal built-in camera, to the target
The face area of user is identified, including：
Start camera and carry out surrounding scanning, after scanning the face area for determining the target user, determines mobile terminal itself
Location parameter；
Shooting area is adjusted according to the location parameter, so that the shooting area can cover always the target user
Face area.
4. according to the method described in claim 3, it is characterized in that, described adjust shooting area according to the location parameter
Process includes：
When mobile terminal is overlooked or is looked up, pitch angle is obtained by the location parameter, the pitch angle is used to indicate
The angle that terminal deviates downward or upward；
The adjustment angle of the camera is calculated using following formula according to the pitch angle；
According to the shooting angle for adjusting the angle the adjustment camera, so that shooting area always being capable of coverage goal use
The face area at family；
Or,
(Xworld, the Zworld) is the coordinate of the face area of the target user, and (Xcamera, the Zcamera) is
The coordinate of the shooting area, it is describedFor the pitch angle, the φ is the adjustment angle, and the θ is the shooting area
Angle, the m be the camera length, the dxFor the camera and the face area of the target user
Vertical range, the dzFor the horizontal distance of the camera and the face area of the target user.
5. according to the method described in claim 1, it is characterized in that, the process of the networked information for obtaining the target user
Including：
Read the contact person in the high in the clouds address list of the target user；
It obtains contact person and information is pointed out to the attribute of the target user, which points out the connection that information is the target user
Net information.
6. according to the method described in claim 5, it is characterized in that, described point out information according to attribute and determine the target user
The process of actual attribute information include：
The first probability of each candidate attribute information of each user of information initializing is pointed out according to the attribute, each user includes target
The contact person of user and the target user；
Relationship iteration is pointed out according to the attribute between the first probability and each user of each candidate attribute information of each user
Calculate the second probability of each candidate attribute information of each user；
When meeting preset stopping criterion for iteration, the third for exporting each candidate attribute information of each user when iteration ends is general
Rate；
For the target user, believe the highest candidate attribute information of third probability as the actual attribute of the target user
Breath, the target user belong to each user.
7. according to the method described in claim 6, it is characterized in that, calculating first probability as follows：
The Wi,jFor the first probability of the candidate attribute information j of user i；
The contact person that the candidate attribute information of the user i is j is pointed out in the contact person that the count (j) is the user i
Quantity；
It is describedThe candidate attribute information that the user i is pointed out in contact person for the user i is any value
Contact person quantity.
8. according to the method described in claim 6, it is characterized in that, repeating following formula, iterative calculation described second is general
Rate：
Wi,j=Vi,j；
The Vi,jFor the second probability of the candidate attribute information j of the user i；
The α is iterative rate control parameter, and the α is constant, and the α is used to adjust the speed of iterative calculation；
The βkFor weight coefficient, when the attribute information that user k points out user i is j, and the attribute information of user k is also j, institute
State βkThe first numerical value is taken, when the attribute information that user k points out user i is j, and the attribute information of user k is not j, the βkIt takes
Second value, first numerical value are more than the second value；
The m is the total quantity of all types attribute information；
The n be the user i contact person in the user i have attribute point out relationship contact person quantity.
9. according to the method described in claim 1, it is characterized in that, the method further includes：
The second payment request is obtained, when target user pays, prompts validation information；
Receive the verification information of target user's input；
When the verification information is verified, second payment request is paid；
Wherein, first payment request corresponds to preset important kind payment request, and second payment request is corresponding general
Logical type payment request.
10. a kind of mobile terminal, which is characterized in that including memory, processor and be stored on the memory and can be in institute
State the computer program run on processor, wherein the processor may be implemented right when executing the computer program and want
Seek any method in 1 to 9.
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| CN106200967A (en) * | 2016-07-09 | 2016-12-07 | 东莞市华睿电子科技有限公司 | The method that a kind of terminal projection gesture controls |
| CN107194696A (en) * | 2017-05-25 | 2017-09-22 | 深圳可戴设备文化发展有限公司 | Article method of payment, device and computer-readable recording medium |
| CN107451535A (en) * | 2017-07-11 | 2017-12-08 | 广东欧珀移动通信有限公司 | Living iris detection method and Related product |
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Application publication date: 20180831 |