CN108629586B - Payment verification method, device and computer readable storage medium - Google Patents
Payment verification method, device and computer readable storage medium Download PDFInfo
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- CN108629586B CN108629586B CN201810424408.XA CN201810424408A CN108629586B CN 108629586 B CN108629586 B CN 108629586B CN 201810424408 A CN201810424408 A CN 201810424408A CN 108629586 B CN108629586 B CN 108629586B
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- 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
- G06Q20/3821—Electronic credentials
Abstract
The invention discloses a payment verification method, which comprises the following steps: when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process; analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images; judging whether the read check information fragments can be synthesized into preset complete check information or not; if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code. The invention also discloses a payment verification device and a computer readable storage medium. The invention can improve the safety of electronic payment.
Description
Technical Field
The present invention relates to the field of mobile payment technologies, and in particular, to a payment verification method, device, and computer readable storage medium.
Background
With the development of mobile interconnection technology, mobile payment begins to become a new payment mode selected by more and more consumers, and taking two-dimension code payment as an example, at present, after a mobile terminal user purchases a commodity, the mobile terminal user can open a corresponding payment application to display a payment two-dimension code of the mobile terminal user to a merchant, and the merchant can complete collection by scanning the payment two-dimension code through a code scanner.
However, the above-mentioned electronic payment method has a certain potential safety hazard, that is, only the two-dimension code is used as the electronic payment verification information of the user, and if the payment code is peeped by an lawbreaker in the process of displaying the payment code of the user, the payment code can be easily utilized to steal the funds of the user account, thereby causing property damage of the user. Therefore, how to optimize the electronic payment verification manner, so as to improve the security of electronic payment is a current urgent problem to be solved.
Disclosure of Invention
The invention mainly aims to provide a payment verification method, payment verification equipment and a computer readable storage medium, aiming at improving the safety of electronic payment.
In order to achieve the above object, the present invention provides a payment verification method, including the steps of:
when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process;
analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images;
judging whether the read check information fragments can be synthesized into preset complete check information or not;
if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
Optionally, the step of determining whether the read piece of verification information can be synthesized into preset complete verification information includes:
identifying characters contained in the read verification information fragment;
according to the scanning sequence of the plurality of frames of electronic payment voucher images, the characters are arranged into character strings;
and judging whether the character string is the same as a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
Optionally, the step of determining whether the read piece of verification information can be synthesized into preset complete verification information includes:
identifying the image fragment contained in the read verification information fragment;
splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
judging whether the spliced image is the same as a preset image or not, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
Optionally, in the electronic payment credential image, the first layer is overlaid on the second layer, or the second layer is overlaid on the first layer.
Optionally, the refresh frequency of the check information piece is 60Hz.
Optionally, the payment code is a two-dimensional code or a bar code.
In addition, to achieve the above object, the present invention also provides a payment verification apparatus including: a memory, a processor, and a payment verification program stored on the memory and executable on the processor, the payment verification program when executed by the processor implementing the steps of:
when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process;
analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images;
judging whether the read check information fragments can be synthesized into preset complete check information or not;
if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
Optionally, the payment verification program when executed by the processor further implements the steps of:
identifying characters contained in the read verification information fragment;
according to the scanning sequence of the plurality of frames of electronic payment voucher images, the characters are arranged into character strings;
and judging whether the character string is the same as a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
Optionally, the payment verification program when executed by the processor further implements the steps of:
identifying the image fragment contained in the read verification information fragment;
splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
judging whether the spliced image is the same as a preset image or not, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
In addition, to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon a payment verification program which, when executed by a processor, implements the steps of the payment verification method as described above.
According to the invention, the payee scans the electronic payment voucher image shown by the mobile terminal, and further acquires the check information fragment and the payment code in the electronic payment voucher image, and the payee can collect money according to the payment code only when the check information fragment can be synthesized into preset complete check information.
Drawings
FIG. 1 is a schematic diagram of a device architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flow chart of a first embodiment of the payment verification method of the present invention;
FIG. 3 is a schematic diagram of the structural composition of an electronic payment certificate image in an embodiment of the present invention;
FIG. 4 is a flow chart of a second embodiment of the payment verification method of the present invention;
FIG. 5 is a schematic diagram of the synthesis of a character string according to an embodiment of the present invention;
FIG. 6 is a flow chart of a third embodiment of a payment verification method of the present invention;
fig. 7 is a schematic diagram of image segment stitching in an embodiment of the present invention.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
The main solutions of the embodiments of the present invention are: when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process; analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images; judging whether the read check information fragments can be synthesized into preset complete check information or not; if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
At present, the electronic payment mode has a certain potential safety hazard, namely, only the payment two-dimensional code is used as the electronic payment verification information of the user, and if the payment code is peeped by an lawbreaker in the process of displaying the payment code of the user, the payment code can be easily utilized to steal the funds of the user account, so that property damage of the user is caused. Therefore, how to optimize the electronic payment verification manner, so as to improve the security of electronic payment is a current urgent problem to be solved.
According to the invention, the payee scans the electronic payment voucher image shown by the mobile terminal, and further acquires the check information fragment and the payment code in the electronic payment voucher image, and the payee can collect money according to the payment code only when the check information fragment can be synthesized into preset complete check information.
The invention provides a payment verification method.
Referring to fig. 1, fig. 1 is a schematic device structure of a hardware running environment according to an embodiment of the present invention.
The payment verification device of the embodiment of the invention can be terminal devices such as a PC, a cash register, a notebook, a portable computer and the like.
As shown in fig. 1, the apparatus may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the device structure shown in fig. 1 is not limiting of the terminal and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
As shown in fig. 1, an operating system, a network communication module, a user interface module, and a payment authentication program may be included in a memory 1005, which is one type of computer storage medium.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server and performing data communication with the background server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to call a payment verification program stored in the memory 1005 and perform the following operations:
when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process;
analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images;
judging whether the read check information fragments can be synthesized into preset complete check information or not;
if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
Further, the processor 1001 may call a payment verification program stored in the memory 1005, and further perform the following operations:
identifying characters contained in the read verification information fragment;
according to the scanning sequence of the plurality of frames of electronic payment voucher images, the characters are arranged into character strings;
and judging whether the character string is the same as a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
Further, the processor 1001 may call a payment verification program stored in the memory 1005, and further perform the following operations:
identifying the image fragment contained in the read verification information fragment;
splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
judging whether the spliced image is the same as a preset image or not, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
Further, in the electronic payment credential image, the first layer is overlaid on the second layer, or the second layer is overlaid on the first layer.
Further, the refresh frequency of the check information pieces is 60Hz.
Further, the payment code is a two-dimensional code or a bar code.
Based on the above hardware structure, various embodiments of the payment verification method of the present invention are provided.
Referring to fig. 2, fig. 2 is a flow chart of a first embodiment of a payment verification method according to the present invention, the method includes:
step S10, when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process;
the payment verification method of the embodiment is applied to a payee of mobile payment, and the payee uses the payment verification device to collect payment. Specifically, the payment verification device may include a cash register and a code scanning device (such as a code scanner), where the code scanning device is connected with the cash register wirelessly or in a wired manner, and is configured to scan and send an electronic payment document image shown by a mobile terminal user to the cash register, so that the cash register performs a collection operation according to the electronic payment document image; of course, the code scanning device can also be integrated on the cash register, and can be flexibly arranged during specific implementation.
After shopping, the mobile terminal user can open a corresponding payment application on the mobile terminal and click on a payment option to show the merchant an electronic payment voucher image of the user, wherein the mobile terminal can be a mobile portable terminal device such as a smart phone, a tablet computer, a wearable device (such as a smart bracelet) and the like.
When the mobile terminal receives a payment instruction triggered by a user, the electronic payment voucher image is displayed in a preset display area. Referring to fig. 3, fig. 3 is a schematic structural diagram of an electronic payment document image according to an embodiment of the present invention, where the electronic payment document image includes a first layer and a second layer superimposed, the first layer is used for displaying a payment code, the payment code may be a two-dimensional code or a bar code, and the second layer is used for displaying a preset verification information segment, and preferably, the second layer may be transparent, so as not to affect the visual feeling of the user on the payment code. Further, in the electronic payment credential image, the first layer is overlaid on the second layer, or the second layer is overlaid on the first layer.
The specific generation mode of the electronic payment voucher image can be as follows: firstly, creating a first layer and a second layer which are overlapped in a preset display area; then, generating a payment code associated with the user account and displaying the payment code in the first layer, wherein the generation of the payment code can refer to a related generation mode of a payment two-dimensional code or a bar code in the prior art, and the detailed description is omitted herein; meanwhile, the mobile terminal displays the preset check information fragments in the second layer, and the check information fragments are continuously refreshed according to the preset frequency in the display process, wherein the preset frequency can be flexibly set according to actual needs. For example, the preset verification information segments include segment 1, segment 2, … and segment n, and then the mobile terminal displays segment 1 first, displays segment 2 after a first preset time interval, and so on until all n segments are displayed, and then the mobile terminal repeats the above display process until receiving the payment success information sent by the payment verification device.
It should be noted that, in order to ensure that the payment verification device can verify successfully, a unified verification information fragment synthesis rule and a complete verification information judgment rule may be set for the payment verification device, and correspondingly, a verification information fragment preset by the mobile terminal needs to be set to be able to be synthesized according to the synthesis rule of the payment verification device end. For example, when the verification information segment is a character, the synthesis rule may be set to be arranged according to the scanning order, so as to obtain a character string; when the verification information segment is an image segment, the synthesis rule of the verification information segment can be set to splice according to the scanning sequence, so that a spliced image is obtained. In addition, to ensure that the payment verification device is able to verify successfully, the mobile terminal user should show the electronic payment credential image long enough for the payment verification device to be able to collect all of the pieces of verification information needed to synthesize the complete verification information.
After the mobile terminal shows the electronic payment voucher image, a cashier of the payee can click a cash collecting option on the cash register to trigger a cash collecting instruction, and scan the electronic payment voucher image shown by the mobile terminal through the scanning device, it can be understood that in order to ensure that the electronic payment voucher image after refreshing of each verification information piece can be collected by the payment verification device, and the scanning frequency of the payment verification device should be greater than or equal to the refreshing frequency of the electronic payment voucher image.
Step S20, analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading check information fragments in a second layer of the frames of electronic payment voucher images;
in the step, the payment verification device acquires and analyzes a plurality of scanned frames of electronic payment voucher images within a preset time period, wherein the analysis comprises, but is not limited to, calculating the number of frames of the scanned electronic payment voucher images, distinguishing a first image layer from a second image layer in the electronic payment voucher images according to a preset algorithm, and the like; then, the payment verification device reads the verification information piece in the second layer of each frame of the electronic payment credential image.
Step S30, judging whether the read check information fragments can be synthesized into preset complete check information;
after the verification information segment in the second layer of each frame of electronic payment certificate image is read, the payment verification equipment further judges whether the read verification information segment can be synthesized into preset complete verification information.
The specific judging mode can be as follows: firstly, identifying the type of the check information fragment; if the verification information fragment is a character, arranging the characters into character strings according to the scanning sequence of the plurality of frames of electronic payment voucher images, judging whether the character strings are identical to preset character strings, and if so, judging that the verification information fragment can be synthesized into preset complete verification information; if the verification information fragment is an image fragment, the image fragments can be spliced according to the scanning sequence of the plurality of frames of electronic payment voucher images, whether the spliced image is identical to a preset image or not is judged, and if yes, the verification information fragment can be synthesized into preset complete verification information. In addition, whether the number of characters or the number of image fragments obtained by scanning is the same as a preset value can be directly judged, if yes, the check information fragments can be judged to be synthesized into preset complete check information, and the judging mode can be flexibly selected in specific implementation.
It should be noted that, the above complete verification information may be pre-agreed by the payment platform and issued to the payment verification device, so that the payment verification device stores the complete verification information.
If the read check information fragments can be synthesized into the preset complete check information, step S40 is executed, the payment code in the first layer of any frame of electronic payment voucher image is read, and collection is carried out according to the read payment code.
If the read check information fragments can be synthesized into preset complete check information, the payment verification equipment reads the payment code in the first layer of any scanned frame of electronic payment voucher image, and the read payment code is considered as a valid payment code; then, the payment verification device completes the collection process according to the read payment code, and the collection process can refer to the collection process of scanning the payment code of the user in the prior art, which is not described herein. Further, if the collection is successful, the payment verification device may return collection success information to the mobile terminal, and if the collection is unsuccessful, the payment verification device may return collection failure information and reasons of collection failure, such as that the electronic payment certificate is not verified, the balance of the user account is insufficient, and the like, to the mobile terminal.
Further, in this embodiment, the refresh frequency of the verification information fragment may be set to 60Hz.
Since the shutter speed is within 0.5s when the general shooting equipment shoots, the too slow shutter speed can cause the shot photo to be blurred, and the refresh frequency of all preset check information fragments is set to be 60Hz, namely the check information fragments are refreshed 60 times within 1s, and the finally shot photo only contains part of check information because the shutter speed cannot reach 1s, so that the check cannot pass because the check information is incomplete when the photo is used, and the electronic payment certificate of a user is effectively prevented from being shot by steal, so that the funds of the user are stolen.
In this embodiment, the payee scans the electronic payment document image shown by the mobile terminal, and further obtains the check information fragment and the payment code in the electronic payment document image, and only when the check information fragment can be synthesized into the preset complete check information, the payee can collect money according to the payment code.
Further, referring to fig. 4, fig. 4 is a flowchart of a second embodiment of the payment verification method of the present invention. Based on the embodiment shown in fig. 2, step S30 may include:
step S31, identifying the characters contained in the read verification information fragments;
step S32, arranging the characters into character strings according to the scanning sequence of the plurality of frames of electronic payment voucher images;
and step S33, judging whether the character string is identical to a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
In this embodiment, after the payment verification device reads the verification information segments in the second layer of the several frames of electronic payment credential images, the payment verification device further identifies the characters included in the verification information segments, where the characters may be characters or numbers or a combination of both, and the character length included in each verification information segment may be flexibly set.
For convenience of explanation, referring to fig. 5, fig. 5 is a schematic diagram of the synthesis of a character string in the embodiment of the present invention, it is not required that the payment verification device collects 5 frames of electronic payment credential images within a preset duration, where the verification information segments 1 to 5 respectively correspond to the verification information segments in the second layer of the scanned 1 st to 5 th frames of electronic payment credential images, the verification information segment 1 includes a character "a", the verification information segment 2 includes a character "b", the verification information segment 3 includes a character "c", the verification information segment 4 includes a character "d", the verification information segment 5 includes a character "e", and the payment verification device arranges the corresponding characters in the verification information segments into a character string according to the scanning sequence of the 5 frames of electronic payment credential images, that is, "abcde" and then determines whether the character string is identical to the preset character string, if yes, the verification information segment can be synthesized into preset complete verification information.
According to the embodiment, whether the synthesized character string is identical with the preset character string or not is judged, so that whether the verification information fragment can be synthesized into the preset complete verification information is judged, even if an electronic payment voucher image shown by the mobile terminal is peeped by an illegal person, due to the limitation of the shutter speed, the shooting equipment cannot acquire all the verification information fragments required by the complete verification information synthesis, namely all the characters cannot be acquired, and subsequent payment verification cannot be completed by utilizing the peeped photo, so that user account funds are effectively prevented from being peeped, and the safety of electronic payment is improved.
Further, referring to fig. 6, fig. 6 is a flowchart of a third embodiment of the payment verification method according to the present invention. Based on the embodiment shown in fig. 2, step S30 may include:
step S34, identifying the image segments contained in the read verification information segments;
step S35, splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
and S36, judging whether the spliced image is identical to a preset image, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
In this embodiment, the payment verification device further identifies the image segment included in the verification information segment after reading the verification information segment in the second layer of the several frames of electronic payment credential images.
For convenience of explanation, referring to fig. 7, fig. 7 is a schematic diagram of image segment stitching in the embodiment of the present invention, which does not prevent a payment verification device from acquiring 4 frames of electronic payment credential images within a preset duration, wherein image segments 1 to 4 respectively correspond to image segments in a second layer of the 1 st to 4 th frames of electronic payment credential images obtained by scanning, the payment verification device stitches the corresponding image segments according to a scanning sequence of the 4 frames of electronic payment credential images, and judges whether the stitched image is identical to the preset image, if so, it is determined that the verification information segment can be synthesized into preset complete verification information.
According to the embodiment, whether the spliced image is identical with the preset image or not is judged, so that whether the verification information fragments can be synthesized into the preset complete verification information is judged, even if the electronic payment certificate image shown by the mobile terminal is peeped by an illegal person, due to the limitation of the shutter speed, the shooting equipment cannot acquire all the verification information fragments required by synthesizing the complete verification information, namely cannot acquire all the image fragments, and therefore follow-up payment verification cannot be completed by utilizing the peeped photo, thereby effectively preventing user account funds from being peeped and improving the safety of electronic payment.
The invention also provides a payment verification device.
The payment verification apparatus of the present invention includes: a memory, a processor, and a payment verification program stored on the memory and executable on the processor, the payment verification program when executed by the processor implementing the steps of:
when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, and the check information fragment is continuously refreshed according to a preset frequency in the display process;
analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images;
judging whether the read check information fragments can be synthesized into preset complete check information or not;
if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
Further, the payment verification program when executed by the processor further performs the steps of:
identifying characters contained in the read verification information fragment;
according to the scanning sequence of the plurality of frames of electronic payment voucher images, the characters are arranged into character strings;
and judging whether the character string is the same as a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
Further, the payment verification program when executed by the processor further performs the steps of:
identifying the image fragment contained in the read verification information fragment;
splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
judging whether the spliced image is the same as a preset image or not, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
The method implemented when the payment verification program running on the processor is executed may refer to various embodiments of the payment verification method of the present invention, and will not be described herein.
The invention also provides a computer readable storage medium.
The computer readable storage medium of the present invention stores thereon a payment verification program which, when executed by a processor, implements the steps of the payment verification method described above.
The method implemented when the payment verification program running on the processor is executed may refer to an embodiment of the payment verification method of the present invention, which is not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.
The embodiments of the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those having ordinary skill in the art without departing from the spirit of the present invention and the scope of the claims, which are to be protected by the present invention.
Claims (10)
1. A payment verification method applied to a payment verification device, characterized in that the payment verification method comprises the steps of:
when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, the check information fragment is continuously refreshed according to a preset frequency in the display process, and the scanning frequency of the payment verification equipment is larger than the refreshing frequency of the electronic payment voucher image;
analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images;
judging whether the read verification information fragments can be synthesized into preset complete verification information according to the scanning sequence of the plurality of frames of electronic payment voucher images;
if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
2. The payment verification method as claimed in claim 1, wherein said step of judging whether the read piece of the verification information can be synthesized into the preset complete verification information comprises:
identifying characters contained in the read verification information fragment;
according to the scanning sequence of the plurality of frames of electronic payment voucher images, the characters are arranged into character strings;
and judging whether the character string is the same as a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
3. The payment verification method as claimed in claim 1, wherein said step of judging whether the read piece of the verification information can be synthesized into the preset complete verification information comprises:
identifying the image fragment contained in the read verification information fragment;
splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
judging whether the spliced image is the same as a preset image or not, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
4. A payment verification method as claimed in any one of claims 1 to 3 wherein in the electronic payment document image the first layer is overlaid on top of the second layer or the second layer is overlaid on top of the first layer.
5. A payment verification method as claimed in claim 1, wherein the refresh frequency of the pieces of verification information is 60Hz.
6. The payment verification method of claim 1, wherein the payment code is a two-dimensional code or a bar code.
7. A payment verification device, applied to a payment verification device, characterized in that the payment verification device comprises: a memory, a processor, and an electronic payment program stored on the memory and executable on the processor, the electronic payment program when executed by the processor implementing the steps of:
when a collection instruction is received, scanning an electronic payment voucher image shown by the mobile terminal, wherein the electronic payment voucher image comprises a first layer for displaying a payment code and a second layer for displaying a preset check information fragment, the check information fragment is continuously refreshed according to a preset frequency in the display process, and the scanning frequency of the payment verification equipment is larger than the refreshing frequency of the electronic payment voucher image;
analyzing a plurality of frames of scanned electronic payment voucher images within a preset duration, and reading verification information fragments in a second layer of the frames of electronic payment voucher images;
judging whether the read verification information fragments can be synthesized into preset complete verification information according to the scanning sequence of the plurality of frames of electronic payment voucher images;
if yes, reading a payment code in a first layer of any frame of electronic payment voucher image, and collecting money according to the read payment code.
8. The payment verification device of claim 7, wherein the electronic payment program when executed by the processor further performs the steps of:
identifying characters contained in the read verification information fragment;
according to the scanning sequence of the plurality of frames of electronic payment voucher images, the characters are arranged into character strings;
and judging whether the character string is the same as a preset character string, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
9. The payment verification device of claim 7, wherein the electronic payment program when executed by the processor further performs the steps of:
identifying the image fragment contained in the read verification information fragment;
splicing the image fragments according to the scanning sequence of the plurality of frames of electronic payment voucher images;
judging whether the spliced image is the same as a preset image or not, if so, judging that the verification information fragment can be synthesized into preset complete verification information.
10. A computer-readable storage medium, on which an electronic payment program is stored, which when executed by a processor implements the steps of the payment verification method according to any one of claims 1 to 6.
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| CN110400137B (en) * | 2019-04-03 | 2020-12-18 | 深圳刷宝科技有限公司 | Secret-free payment verification system |
| CN110428033B (en) * | 2019-07-31 | 2020-09-15 | 腾讯科技（深圳）有限公司 | Verification method, identification end and user end |
| CN111144876A (en) * | 2019-12-09 | 2020-05-12 | 维沃移动通信有限公司 | Payment method and electronic equipment |
| CN116029716A (en) * | 2021-10-26 | 2023-04-28 | 华为终端有限公司 | Remote payment method, electronic equipment and system |
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