CN108629594A - Method of payment, device, server and storage medium - Google Patents
Method of payment, device, server and storage medium Download PDFInfo
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- CN108629594A CN108629594A CN201810445070.6A CN201810445070A CN108629594A CN 108629594 A CN108629594 A CN 108629594A CN 201810445070 A CN201810445070 A CN 201810445070A CN 108629594 A CN108629594 A CN 108629594A
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- 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
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Abstract
The embodiment of the present application discloses a kind of method of payment, device, server and storage medium, is related to mobile payment technical field.The method includes：When mobile terminal carries out barcode scanning payment to target payment code, the server obtains the corresponding current payment scene of target payment code, judge whether the current payment scene meets default payment scene, when the current payment scene meets default payment scene, characteristic to be verified is determined according to the current payment scene, the characteristic to be verified is sent to mobile terminal, payment verification is carried out to indicate that mobile terminal is based on characteristic to be verified.Method of payment, device, server and storage medium provided by the embodiments of the present application are obtained and are judged by the payment scene carried out to user, are carried out different grades of verification based on judging result, are accelerated payment verification speed, promote user experience.
Description
Technical field
This application involves mobile payment technical field, more particularly, to a kind of method of payment, device, memory and
Storage medium.
Background technology
With the development of mobile terminal and popularizing for mobile payment, more and more users are by way of mobile payment
Carry out the payment of various expenses.Current mobile payment mode is usually to be verified to the password of user setting, and verifying
Payment is completed after success, but verification process is slow, causes user experience bad.
Invention content
In view of the above problems, present applicant proposes a kind of method of payment, device, memory and storage mediums, by right
The payment scene that user carries out obtains and judges, carries out different grades of verification based on judging result, accelerates payment and test
Speed is demonstrate,proved, user experience is promoted.
In a first aspect, the embodiment of the present application provides a kind of method of payment, it is applied to server, the method includes：When
When mobile terminal carries out barcode scanning payment to target payment code, the server obtains the corresponding current payment of the target payment code
Scene；Judge whether the current payment scene meets default payment scene；When the current payment scene meets described preset
When paying scene, characteristic to be verified is determined according to the current payment scene；The characteristic to be verified is sent to
The mobile terminal carries out payment verification to indicate that the mobile terminal is based on the characteristic to be verified.
Second aspect, the embodiment of the present application provide a kind of payment mechanism, are applied to server, and described device includes：When
Preceding payment scene acquisition module, for when mobile terminal carries out barcode scanning payment to target payment code, the server to obtain institute
State the corresponding current payment scene of target payment code；Current payment scene judgment module, for judging the current payment scene
Whether default payment scene is met；Characteristic determining module to be verified, for work as the current payment scene meet it is described pre-
If pay scene, characteristic to be verified is determined according to the current payment scene；Payment verification module, for being waited for described
Verification characteristic is sent to the mobile terminal, to indicate that the mobile terminal is propped up based on the characteristic to be verified
Pay verification.
The third aspect, the embodiment of the present application provide a kind of server, including memory and processor, the memory coupling
It is connected to the processor, the memory store instruction, when executed by the processor the processor execution
The above method.
Fourth aspect, the embodiment of the present application provide it is a kind of with processor can perform program code it is computer-readable
Take storage medium, said program code that the processor is made to execute the above method.
A kind of method of payment, device, server and storage medium provided by the embodiments of the present application, when mobile terminal is to mesh
When marking payment code progress barcode scanning payment, which obtains the corresponding current payment scene of target payment code, judges the current branch
Pay whether scene meets default payment scene, when the current payment scene meets default payment scene, according to the current payment
Scene determines characteristic to be verified, which is sent to mobile terminal, to indicate that mobile terminal is based on waiting for
It verifies characteristic and carries out payment verification, to obtain and judge by the payment scene carried out to user, based on judgement
As a result different grades of verification is carried out, payment verification speed is accelerated, promotes user experience.
These aspects or other aspects of the application can more straightforward in the following description.
Description of the drawings
In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is only some embodiments of the present application, for
For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 shows the schematic diagram of mobile terminal and server interaction provided by the embodiments of the present application；
Fig. 2 shows the flow diagrams for the method for payment that the application first embodiment provides；
Fig. 3 shows the flow diagram for the method for payment that the application second embodiment provides；
Fig. 4 shows the flow diagram of the step S220 for the method for payment that the application second embodiment provides；
Fig. 5 shows the flow diagram of the step S230 for the method for payment that the application second embodiment provides；
Fig. 6 shows the module frame chart for the payment mechanism that the application 3rd embodiment provides；
Fig. 7 shows the module frame chart for the payment mechanism that the application fourth embodiment provides；
Fig. 8 shows the block diagram of the server of the method for payment for executing the embodiment of the present application.
Specific implementation mode
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of embodiments of the present application, instead of all the embodiments.It is based on
Embodiment in the application, those of ordinary skill in the art are obtained all other without creative efforts
Embodiment shall fall in the protection scope of this application.
Currently, the normal flow for carrying out mobile payment by mobile terminal is：Mobile terminal scans payment code first, then
Validation information is then paid when verification information matches.But although inventor by it is a large amount of the study found that this
Whether the safety of the kind means of payment is greatly improved, but do not carried out being that normal transaction judges to user, props up
The speed paid is slower, therefore, in view of the above-mentioned problems, inventors herein proposing the method for payment in the embodiment of the present application, device, service
Device and storage medium are obtained and are judged by the payment scene carried out to user, and carry out difference based on judging result
The verification of grade accelerates payment verification speed, promotes user experience.
Referring to Fig. 1, Fig. 1 shows that a kind of interaction between mobile terminal and server provided by the embodiments of the present application is shown
It is intended to.As shown in Figure 1, mobile terminal 100, server 200 are located in network 300, which can be wireless network or have
Gauze network.By the wireless network or cable network, mobile terminal 100 carries out data interaction with server 200.In the application
In, mobile terminal 100 can be the equipment such as mobile phone, tablet computer, computer.
Client can be run in the mobile terminal 100, and server 200 can operation service end.For example, in this application, moving
Operation has the client corresponding to payment class application program in dynamic terminal 100, and operation payment class applies institute in server 200
Corresponding server-side, is based on above-mentioned network environment, and payment class can pass through network 300 and server using corresponding client
200 carry out data interaction, and data friendship is carried out using corresponding server-side with the payment class run on server 200 to realize
Mutually.It is gone through for example, paying class in mobile terminal 100 and sending payment to server 200 by network 300 using corresponding client
The request message of history data, server 200 in response, can be handled by client return of the network 300 into mobile terminal
The request message needs to feed back to the link of client or information in mobile terminal 100 later, so that the client is handled.
Method of payment provided by the embodiments of the present application, device, server and storage medium will be carried out by specific embodiment below
Explanation.
First embodiment
Referring to Fig. 2, the flow diagram of the method for payment provided Fig. 2 shows the application first embodiment, the branch
The method of paying carries out different grades of test for obtaining and judging by the payment scene carried out to user, based on judging result
Card accelerates payment verification speed, promotes user experience.In the particular embodiment, the method for payment is applied to such as Fig. 6 institutes
The payment mechanism 400 shown and the server 200 (Fig. 8) configured with the payment mechanism 400.It will be directed to below shown in Fig. 2
Flow is explained in detail, and the method can specifically include following steps：
Step S110：When mobile terminal carries out barcode scanning payment to target payment code, the server obtains the target
The corresponding current payment scene of payment code.
It can pass through the camera shooting of mobile terminal when user carries out mobile payment by mobile terminal as a kind of mode
Head is scanned payment to payment code, specifically, can be swept to payment code by paying class application call camera
Code simultaneously is completed to pay, for example, the calling to camera can be realized by application programs such as wechat, Alipays.In the present embodiment
In, server is monitored to whether mobile terminal carries out barcode scanning payment to target payment code, when server receives movement eventually
It when holding the solicited message sent, characterizes the mobile terminal and just carries out barcode scanning delivery operation, wherein the solicited message can be branch
Pay checking solicited message or historical data solicited message etc..Server obtains in response after receiving the solicited message
The corresponding current payment scene of the target payment code, wherein the corresponding current payment scene of the target payment code can be should
Corresponding current payment scene when mobile terminal is to target payment code progress barcode scanning payment, further, the current branch
It may include current payment amount, current time of payment and current place of payment etc. to pay scene, it is possible to understand that, it is described current
It can also includes other payment scenes to pay scene, do not limited herein.
Step S120：Judge whether the current payment scene meets default payment scene.
In the present embodiment, the server is in advance from the multiple payment scenes of acquisition for mobile terminal, and by the multiple branch
Scene storage is paid as default payment scene, wherein the default payment scene is used for the judgement as the current payment scene
Foundation.Specifically, which may include but is not limited only to the mobile terminal in the target payment code
Default payment amount, it is the default time of payment that the mobile terminal is paid in the target payment code, described mobile whole
Hold the default place of payment etc. paid in the target payment code.
It should be understood that as a kind of mode, it can be by current payment amount, current time of payment, the current place of payment
It is compared judgement respectively with default payment amount, default time of payment, the default place of payment, works as example, can compare respectively
Preceding payment amount and default payment amount, compare current time of payment and default time of payment and the current place of payment of comparison and
The default place of payment, and meet default payment scene in current payment amount, current time of payment and the current place of payment
When, determine that the current payment scene meets default payment scene.
It alternatively, can be to current payment amount, current time of payment, the current place of payment and default payment
The amount of money, default time of payment, default place of payment synthesis judged, for example, can obtain respectively current payment amount with it is pre-
If the second difference of the first difference, current time of payment between payment amount and default time of payment, the current place of payment with
Third difference between the default place of payment, and corresponding first fractional value of current payment amount, base are obtained based on the first difference
Corresponding second fractional value of current time of payment is obtained in the second difference, it is corresponding to obtain the current place of payment based on third difference
First fractional value, the second fractional value and third fractional value are added point for obtaining the current payment scene by third fractional value
Numerical value determines that the current payment scene meets default payment field if currently the fractional value of payment scene is more than preset fraction value
Scape.
Wherein, the default payment amount, default time of payment and the default place of payment can be concrete numerical values, also may be used
To be numerical intervals, optionally, in the present embodiment, the default payment amount, default time of payment and default paid place
Point is numerical intervals, i.e., when currently payment scene, current time of payment and the current place of payment are in the numerical intervals,
Then it is determined as meeting default payment scene.Further, the current payment amount can be obtained when mobile terminal carries out barcode scanning
Take, the current time of payment can while payment the calling system time obtained, and the current time of payment can refer to daily
The specific time or working day/nonworkdays/festivals or holidays/non-festivals or holidays etc., the current place of payment can utilize it is mobile eventually
Included global positioning system (Global Positioning System, the GPS) function in end is acquired, and details are not described herein.
Step S130：When the current payment scene meets the default payment scene, according to the current payment field
Scape determines characteristic to be verified.
As a kind of enforceable mode, the default payment scene may include multiple payoff grades, multiple payments etc.
Each payoff grade in grade corresponds to different characteristics to be verified, for example, default payment scene may include payment etc.
Grade N, payoff grade N-1, payoff grade N-2 etc., each payoff grade correspond to different characteristics to be verified, and payment etc.
Grade is higher, and characteristic to be verified is more, and payoff grade is lower, and characteristic to be verified is fewer.Specifically, in currently payment field
When shadow definer closes default payment scene, the degree of conformity of the current payment scene and default payment scene is further obtained, according to institute
It states degree of conformity and searches payoff grade corresponding with the degree of conformity, so that it is determined that corresponding characteristic to be verified, it is possible to understand that,
The degree of conformity of the current payment scene and default payment scene is higher, then currently the corresponding payoff grade of payment scene is lower,
It needs to carry out matched characteristic to be verified fewer.
In the present embodiment, the characteristic to be verified can be numerical data or biological attribute data, wherein work as institute
The initial data for stating numerical data is 6 digits, when the current payment scene meets default payment scene, according to current payment
Numerical data can be reduced to 4 digits, 3 digits etc. by the corresponding payoff grade of scene.The biological attribute data can at least wrap
One kind in fingerprint, face and iris is included, when the current payment scene meets default payment scene, according to current payment
The corresponding grade of scene can reduce the matched data of biological characteristic, for example, will be able to be half of fingerprint number by finger print data
According to a quarter finger print data etc..
Step S140：The characteristic to be verified is sent to the mobile terminal, to indicate the mobile terminal base
Payment verification is carried out in the characteristic to be verified.
As a kind of mode, determining characteristic to be verified is sent to mobile terminal by server, to indicate the shifting
Dynamic terminal verifies verify data input by user based on the data to be verified, it is possible to understand that, characteristic to be verified
According to characteristic it is fewer, verifying speed is faster, and then can effectively accelerate validation of payment speed, promoted user experience.
It wherein, in the present embodiment, can before server obtains the corresponding current payment scene of the target payment code
To detect whether the mobile terminal opens corresponding function first, if being not turned on, prompt message can be sent to described
Mobile terminal opens the function to prompt user to select to open the function in the case where detecting that user agrees to, with
Determine the safety of the mobile terminal payment.
The method of payment that the application first embodiment provides, when mobile terminal carries out barcode scanning payment to target payment code,
The server obtains the corresponding current payment scene of target payment code, judges whether the current payment scene meets default payment field
Scape determines characteristic to be verified when the current payment scene meets default payment scene according to the current payment scene, will
The characteristic to be verified is sent to mobile terminal, and payment verification is carried out to indicate that mobile terminal is based on characteristic to be verified,
To obtain and judge by the payment scene carried out to user, different grades of verification is carried out based on judging result, is added
Fast payment verification speed, promotes user experience.
Second embodiment
Referring to Fig. 3, Fig. 3 shows the flow diagram for the method for payment that the application second embodiment provides.Below will
It is explained in detail for flow shown in Fig. 3, the method can specifically include following steps：
Step S210：When mobile terminal carries out barcode scanning payment to target payment code, the server obtains the target
The corresponding current payment scene of payment code.
Step S220：The history payment scene that the mobile terminal carries out the target payment code barcode scanning payment is obtained,
Wherein, all payment scenes before the history payment scene includes the current payment scene.
In the present embodiment, the history payment scene of barcode scanning payment is carried out in the target payment code to the mobile terminal
It is obtained, wherein history payment scene includes the current all payment scenes paid before scene.As a kind of mode,
When the mobile terminal is directed to target payment code progress barcode scanning payment each time, the server obtains its corresponding branch
It pays scene and is stored, and the history as the mobile terminal for the target payment code pays scene.
Referring to Fig. 4, Fig. 4 shows the flow signal of the step S220 for the method for payment that the application second embodiment provides
Figure.It will be explained in detail below for flow shown in Fig. 4, the method can specifically include following steps：
Step S221：Obtain the corresponding current payment frequency of the current payment scene.
Specifically, server counts payment times of the mobile terminal in target payment code, according to statistics
Number can obtain the corresponding current payment frequency of current payment scene.
Step S222：Judge whether the current payment frequency is more than the default payment frequency.
Further, it is contemplated that safety, user are the data statistics phase in the preceding n times payment of target payment code, during this period
Fingerprint payoff grade is highest, and therefore, it is necessary to verify pre-set all characteristics.As a kind of mode, server
In pre-set and store the default payment frequency, n is denoted as, after getting the current payment frequency, by the current payment
The frequency and default payment frequency n are compared, and judge whether the current payment frequency is more than the default payment frequency, works as institute
It is more than when presetting the payment frequency to state the current payment frequency, and the characterization current barcode scanning payment has been more than the data statistics phase, then obtains
The mobile terminal pays scene to the history of target payment code, when the current payment frequency is no more than the default payment frequency
When, the characterization current barcode scanning payment is not above the data statistics phase, then the payoff grade of this period is set as highest.
Step S223：When the current payment frequency is more than the default payment frequency, the mobile terminal pair is obtained
The history that the target payment code carries out barcode scanning payment pays scene.
Step S230：The default payment scene is determined based on history payment scene.
Wherein, since each pair of target payment code of mobile terminal carries out barcode scanning payment once, the history payment scene will
It is corresponding to increase a data, and therefore in the present embodiment, can be based on based on increased data update history payment scene
The history pays scene update and determines the default payment scene.
Referring to Fig. 5, Fig. 5 shows the flow signal of the step S230 for the method for payment that the application second embodiment provides
Figure.In the present embodiment, the payment scene includes at least payment amount, time of payment and the place of payment, will be directed to below
Flow shown in fig. 5 is explained in detail, and the method can specifically include following steps：
Step S231：Obtain history payment amount of the mobile terminal to the target payment code, history time of payment
And the history place of payment.
Wherein, the history payment amount can be for the average value of history payment amount or in history payment amount average value
Pre-set interval, the history time of payment can be the history time of payment average value or in the preset areas of history time of payment
Between, the history place of payment can be the pre-set interval in the history place of payment.
Step S232：Based on the history payment amount, the history time of payment, the history place of payment and each
Self-corresponding weighted value obtains the history payment amount weighted value, history time of payment weighted value and the history place of payment and adds
Weights.
Further, in the present embodiment, history payment amount, history time of payment and the history place of payment are advance
It is provided with corresponding weighted value, history payment is obtained by the product of the corresponding weighted value of history payment amount first
Amount of money weighted value obtains the weighted value of history time of payment by the product of history time of payment corresponding weighted value, leads to
The weighted value that the corresponding weighted value in the history place of payment obtains the history place of payment is crossed, is added to obtain history payment amount
The weighted value of weights, the weighted value of history time of payment and the history place of payment.
Step S233：By the history payment amount weighted value, the history time of payment weighted value and the history
Place of payment weighted value, which is added, determines the default payment scene.
The history payment amount weighted value, history time of payment weighted value and history place of payment weighted value are added
Obtained numerical value of summing is determined as default payment scene, the basis for estimation as current payment scene.
Step S240：Judge whether the current payment scene meets default payment scene.
Step S250：When the current payment scene meets the default payment scene, the current payment field is obtained
The corresponding current payment frequency of scape.
Step S260：Search feature payoff grade corresponding with the current payment frequency.
Step S270：The characteristic to be verified is determined according to the feature payoff grade.
In the present embodiment, the mapping relations of the payment frequency and feature payoff grade are pre-set and are stored in server
Table, can be using the payment frequency as the reference frame of characteristic to be verified, wherein meets default payment in currently payment scene
When scene, obtained to currently paying the corresponding current payment frequency of scene, it is possible to understand that, at this point, currently paying the frequency
More than n, further, feature branch corresponding with the payment frequency is searched in the mapping table for pre-setting and storing in the server
Grade is paid, characteristic to be verified is determined further according to the feature payoff grade.As a kind of mode, when feature payment etc.
When grade reduces, then at least partly characteristic corresponding with feature payoff grade in initial characteristic data is reduced, obtains and reduce extremely
Characteristic to be verified after small part characteristic.
For example, when the mobile terminal is when target payment code carries out (n+1)th payment, sentence to currently paying scene
Disconnected, if the history of n times pays scene before meeting, payoff grade is reduced to N-1 from N；When the mobile terminal is in target payment code
When carrying out the 2n times payment, if the 2n+1 times payment meets preceding 2n history payment scene, payoff grade is reduced to N-2 from N,
And so on, by the way that the judgement for paying scene can be gradually reduced payoff grade, be carried under the premise of guaranteeing payment safety
High user's payment speed promotes Product Experience.
Step S280：The characteristic to be verified is sent to the mobile terminal, to indicate that the mobile terminal will
The characteristic to be verified is matched with the biological attribute data of the user of detection, and in successful match, completes payment.
In the present embodiment, the characteristic is biological attribute data, by the biology of characteristic to be verified and user
Characteristic carries out matching verification, which at least may include one kind in fingerprint, face and iris.Its
In, by taking fingerprint as an example, the characteristic to be verified reduced after characteristic may include half of finger print data, a quarter fingerprint
Data etc. promote user experience to accelerate verifying speed.
The method of payment that the application second embodiment provides, when mobile terminal carries out barcode scanning payment to target payment code,
Server obtains the corresponding current payment scene of target payment code, obtains mobile terminal and carries out barcode scanning payment to target payment code
History pays scene, determines default payment scene based on history payment scene, it is default to judge whether the current payment scene meets
Scene is paid, when currently payment scene meets default payment scene, obtains the corresponding current payment frequency of current payment scene,
Feature payoff grade corresponding with the current payment frequency is searched, characteristic to be verified is determined according to this feature payoff grade, it will
Characteristic to be verified is sent to mobile terminal, to indicate mobile terminal by the biology of characteristic to be verified and the user of detection
Characteristic is matched, and payment is completed in successful match, with by being judged simultaneously the historical data that user pays
Corresponding payoff grade is obtained, the verification of different characteristic data is carried out based on different payoff grades, accelerates payment verification speed
Degree promotes user experience.
3rd embodiment
Referring to Fig. 6, Fig. 6 shows the module frame chart for the payment mechanism 400 that 3rd embodiment itself provides.Below by needle
Block diagram shown in fig. 6 is illustrated, the payment mechanism 400 includes：Current payment scene acquisition module 410, current payment
Scene judgment module 420, characteristic determining module 430 to be verified and payment verification module 440, wherein：
Current payment scene acquisition module 410 is used for when mobile terminal carries out barcode scanning payment to target payment code, described
Server obtains the corresponding current payment scene of the target payment code.
Current payment scene judgment module 420, for judging whether the current payment scene meets default payment scene.
Characteristic determining module 430 to be verified meets the default payment scene for working as the current payment scene
When, characteristic to be verified is determined according to the current payment scene.
Payment verification module 440, for the characteristic to be verified to be sent to the mobile terminal, described in instruction
Mobile terminal is based on the characteristic to be verified and carries out payment verification.
Fourth embodiment
Referring to Fig. 7, Fig. 7 shows the module frame chart for the payment mechanism 500 that the application fourth embodiment provides.Below will
It is illustrated for block diagram shown in Fig. 7, the payment mechanism 500 includes：Current payment scene acquisition module 510, history branch
Pay scene acquisition module 520, default payment scene determining module 530, current payment scene judgment module 540, characteristics of syndrome to be tested
Data determining module 550 and payment verification module 560, wherein：
Current payment scene acquisition module 510 is used for when mobile terminal carries out barcode scanning payment to target payment code, described
Server obtains the corresponding current payment scene of the target payment code.
History pays scene acquisition module 520, and barcode scanning is carried out to the target payment code for obtaining the mobile terminal
The history of payment pays scene, wherein the history payment scene includes the current all payment fields paid before scene
Scape.Further, the history payment scene acquisition module 520 includes：Current payment frequency acquisition submodule 521, current branch
Frequency judging submodule 522 and history payment scene acquisition submodule 523 are paid, wherein：
Current payment frequency acquisition submodule 521, for obtaining the corresponding current payment frequency of the current payment scene.
Current payment frequency judging submodule 522, for judging whether the current payment frequency is more than default payment frequency
It is secondary.
History pays scene acquisition submodule 523, for being more than the default payment frequency when the current payment frequency
When, obtain the history payment scene that the mobile terminal carries out the target payment code barcode scanning payment.
Default payment scene determining module 530, for determining the default payment scene based on history payment scene.
Further, the default payment scene determining module 530 includes：History pays scene acquisition submodule 531, history pays field
Scape weights submodule 532 and default payment scene determination sub-module 533, wherein：
History pays scene acquisition submodule 531, the history for obtaining the mobile terminal to the target payment code
Payment amount, history time of payment and the history place of payment.
History pay scene weight submodule 532, for based on the history payment amount, the history time of payment,
The history place of payment and corresponding weighted value obtain the history payment amount weighted value, the history time of payment adds
Weights and history place of payment weighted value.
Default payment scene determination sub-module 533, when for paying the history payment amount weighted value, the history
Between weighted value and history place of payment weighted value be added and determine the default payment scene.
Current payment scene judgment module 540, for judging whether the current payment scene meets default payment scene.
Characteristic determining module 550 to be verified meets the default payment scene for working as the current payment scene
When, characteristic to be verified is determined according to the current payment scene.Further, the characteristic determining module to be verified
350 include：Current payment frequency acquisition submodule 551, feature payoff grade search submodule 552 and characteristic determines son
Module 553, wherein：
Current payment frequency acquisition submodule 551, meets the default payment scene for working as the current payment scene
When, obtain the corresponding current payment frequency of the current payment scene.
Feature payoff grade searches submodule 352, is paid etc. for searching feature corresponding with the current payment frequency
Grade.
Characteristic determination sub-module 553, for determining the characteristic to be verified according to the feature payoff grade.
Further, the characteristic determination sub-module 553 to be verified includes：Characteristic acquiring unit to be verified, wherein：
Characteristic acquiring unit to be verified, for when the feature payoff grade reduces, reducing initial characteristic data
In at least partly characteristic corresponding with the feature payoff grade, obtain the characteristic to be verified.
Payment verification module 560, for the characteristic to be verified to be sent to the mobile terminal, described in instruction
Mobile terminal is based on the characteristic to be verified and carries out payment verification.Further, the payment verification module 560 includes：
Payment verification submodule 561, wherein：
Payment verification submodule 561, for the characteristic to be verified to be sent to the mobile terminal, to indicate
It states mobile terminal to match the characteristic to be verified with the biological attribute data of the user of detection, and in successful match
When, complete payment.
In conclusion a kind of method of payment, device, server and storage medium provided by the embodiments of the present application, work as shifting
When dynamic terminal-pair target payment code carries out barcode scanning payment, which obtains the corresponding current payment scene of target payment code, sentences
Whether the current payment scene of breaking meets default payment scene, when the current payment scene meets default payment scene, according to
The current payment scene determines characteristic to be verified, which is sent to mobile terminal, to indicate to move
Terminal is based on characteristic to be verified and carries out payment verification, to obtain and judge by the payment scene carried out to user,
Different grades of verification is carried out based on judging result, accelerates payment verification speed, promotes user experience.
It should be noted that each embodiment in this specification is described in a progressive manner, each embodiment weight
What point illustrated is all the difference with other embodiments, and the same or similar parts between the embodiments can be referred to each other.
For device class embodiment, since it is basically similar to the method embodiment, so fairly simple, the related place ginseng of description
See the part explanation of embodiment of the method.For arbitrary processing mode described in embodiment of the method, in device reality
It applies in example and no longer can be one by one repeated in device embodiment by corresponding processing modules implement.
Referring to Fig. 8, based on above-mentioned method of payment, device, the embodiment of the present application also provides a kind of server 200, institute
It may include one or more (one is only shown in figure) processors 202, memory 204, RF (Radio to state server 200 usually
Frequency, radio frequency) module 206, power module 208.It will appreciated by the skilled person that structure shown in Fig. 8 is only
For signal, the structure of the server 200 is not caused to limit.For example, the server 200 may also include than in Fig. 8
Shown more either less components or with the correspondence different from shown in Fig. 8.
It will appreciated by the skilled person that for the processor 202, every other component belongs to
It is coupled by multiple Peripheral Interfaces 210 between peripheral hardware, the processor 202 and these peripheral hardwares.The Peripheral Interface 210 can
Based on following standard implementation：Universal Asynchronous Receive/sending device (Universal Asynchronous Receiver/
Transmitter, UART), universal input/output (General Purpose Input Output, GPIO), serial peripheral connect
Mouthful (Serial Peripheral Interface, SPI), internal integrated circuit (Inter-Integrated Circuit,
I2C), but it is not limited to above-mentioned standard.In some instances, the Peripheral Interface 210 can only include bus；In other examples
In, the Peripheral Interface 210 may also include other elements, such as one or more controller.In addition, these controllers can be with
Detached from the Peripheral Interface 210, and be integrated in the processor 202 or corresponding peripheral hardware in.
The memory 204 can be used for storing software program and module, and the processor 202 is stored in institute by operation
The software program and module in memory 204 are stated, to perform various functions application and data processing.The memory
204 may include high speed random access memory, may also include nonvolatile memory, and such as one or more magnetic storage device dodges
It deposits or other non-volatile solid state memories.In some instances, the memory 204 can further comprise relative to institute
The remotely located memory of processor 202 is stated, these remote memories can pass through network connection to the server 200.On
The example for stating network includes but not limited to internet, intranet, LAN, mobile radio communication and combinations thereof.
The RF modules 206 are used to receive and transmit electromagnetic wave, realize the mutual conversion of electromagnetic wave and electric signal, to
It is communicated with communication network or other equipment.The RF modules 206 may include various existing for executing these functions
Circuit element, for example, antenna, RF transceiver, digital signal processor, encryption/deciphering chip, subscriber identity module
(SIM) card, memory etc..The RF modules 206 can be carried out with various networks such as internet, intranet, wireless network
Communication is communicated by wireless network and other equipment.Above-mentioned wireless network may include cellular telephone networks, wireless
LAN or Metropolitan Area Network (MAN).Above-mentioned wireless network can use various communication standards, agreement and technology, including but not limited to
Global system for mobile communications (Global System for Mobile Communication, GSM), enhanced mobile communication skill
Art (Enhanced Data GSM Environment, EDGE), Wideband CDMA Technology (wideband code
Division multiple access, W-CDMA), Code Division Multiple Access (Code division access, CDMA), time-division
Multiple access technology (time division multiple access, TDMA), adopting wireless fidelity technology (Wireless, Fidelity,
WiFi) (such as American Institute of Electrical and Electronics Engineers's standard IEEE 802.10A, IEEE802.11b, IEEE802.11g and/or
IEEE 802.11n), the networking telephone (Voice over internet protocal, VoIP), worldwide interoperability for microwave accesses
(Worldwide Interoperability for Microwave Access, Wi-Max), other for mail, Instant Messenger
The agreement and any other suitable communications protocol of news and short message, or even may include that those are not developed currently yet
Agreement.
The power module 208 is used to provide supply of electric power to the processor 202 and other each components.Specifically,
The power module 208 may include power-supply management system, one or more power supply (such as battery or alternating current), charging circuit,
Power-fail detection circuit, inverter, indicator of the power supply status and any other life with electric power in the server 200
At, manage and be distributed relevant component.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is contained at least one embodiment or example of the application.In the present specification, schematic expression of the above terms are not
It must be directed to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be in office
It can be combined in any suitable manner in one or more embodiments or example.In addition, without conflicting with each other, the skill of this field
Art personnel can tie the feature of different embodiments or examples described in this specification and different embodiments or examples
It closes and combines.
In addition, term " first ", " second " are used for description purposes only, it is not understood to indicate or imply relative importance
Or implicitly indicate the quantity of indicated technical characteristic.Define " first " as a result, the feature of " second " can be expressed or
Implicitly include at least one this feature.In the description of the present application, the meaning of " plurality " is at least two, such as two, three
It is a etc., unless otherwise specifically defined.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes
It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion
Point, and the range of the preferred embodiment of the application includes other realization, wherein can not press shown or discuss suitable
Sequence, include according to involved function by it is basic simultaneously in the way of or in the opposite order, to execute function, this should be by the application
Embodiment person of ordinary skill in the field understood.
Expression or logic and/or step described otherwise above herein in flow charts, for example, being considered use
In the order list for the executable instruction for realizing logic function, may be embodied in any computer-readable medium, for
Instruction execution system, device or equipment (system of such as computer based system including processor or other can be held from instruction
The instruction fetch of row system, device or equipment and the system executed instruction) it uses, or combine these instruction execution systems, device or set
It is standby and use.For the purpose of this specification, " computer-readable medium " can any can be included, store, communicating, propagating or passing
Defeated program is for instruction execution system, device or equipment or the dress used in conjunction with these instruction execution systems, device or equipment
It sets.The more specific example (non-exhaustive list) of computer-readable medium includes following：Electricity with one or more wiring
Interconnecting piece (mobile terminal), portable computer diskette box (magnetic device), random access memory (RAM), read-only memory
(ROM), erasable edit read-only storage (EPROM or flash memory), fiber device and portable optic disk is read-only deposits
Reservoir (CDROM).In addition, computer-readable medium can even is that the paper that can print described program on it or other are suitable
Medium, because can be for example by carrying out optical scanner to paper or other media, then into edlin, interpretation or when necessary with it
His suitable method is handled electronically to obtain described program, is then stored in computer storage.
It should be appreciated that each section of the application can be realized with hardware, software, firmware or combination thereof.Above-mentioned
In embodiment, software that multiple steps or method can in memory and by suitable instruction execution system be executed with storage
Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware
Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal
Discrete logic, with suitable combinational logic gate circuit application-specific integrated circuit, programmable gate array (PGA), scene
Programmable gate array (FPGA) etc..
Those skilled in the art are appreciated that realize all or part of step that above-described embodiment method carries
Suddenly it is that relevant hardware can be instructed to complete by program, the program can be stored in a kind of computer-readable storage medium
In matter, which includes the steps that one or a combination set of embodiment of the method when being executed.In addition, in each embodiment of the application
In each functional unit can be integrated in a processing module, can also be that each unit physically exists alone, can also two
A or more than two units are integrated in a module.The form that hardware had both may be used in above-mentioned integrated module is realized, also may be used
It is realized in the form of using software function module.If the integrated module realized in the form of software function module and as
Independent product sale in use, can also be stored in a computer read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..Although having been shown and retouching above
Embodiments herein is stated, it is to be understood that above-described embodiment is exemplary, and should not be understood as the limit to the application
System, those skilled in the art can be changed above-described embodiment, change, replace and become within the scope of application
Type.
Finally it should be noted that：Above example is only to illustrate the technical solution of the application, rather than its limitations；Although
The application is described in detail with reference to the foregoing embodiments, those skilled in the art are when understanding：It still can be with
Technical scheme described in the above embodiments is modified or equivalent replacement of some of the technical features；And
These modifications or replacements, do not drive corresponding technical solution essence be detached from each embodiment technical solution of the application spirit and
Model.
Claims (11)
1. a kind of method of payment, which is characterized in that it is applied to server, the method includes：
When mobile terminal carries out barcode scanning payment to target payment code, the server acquisition target payment code is corresponding to be worked as
Preceding payment scene；
Judge whether the current payment scene meets default payment scene；
When the current payment scene meets the default payment scene, spy to be verified is determined according to the current payment scene
Levy data；
The characteristic to be verified is sent to the mobile terminal, to indicate that the mobile terminal is based on the spy to be verified
It levies data and carries out payment verification.
2. according to the method described in claim 1, it is characterized in that, described to judge whether the current payment scene meets default
Before paying scene, including：
Obtain the history payment scene that the mobile terminal carries out the target payment code barcode scanning payment, wherein the history
Payment scene includes the current all payment scenes paid before scene；
The default payment scene is determined based on history payment scene.
3. according to the method described in claim 2, it is characterized in that, when the payment scene includes at least payment amount, payment
Between and the place of payment, it is described based on the history payment scene determine the default payment scene, including：
The mobile terminal is obtained to the history payment amount of the target payment code, history time of payment and history paid place
Point；
Based on the history payment amount, the history time of payment, the history place of payment and corresponding weight
Value obtains the history payment amount weighted value, history time of payment weighted value and history place of payment weighted value；
By the history payment amount weighted value, the history time of payment weighted value and history place of payment weighted value
It is added and determines the default payment scene.
4. according to the method described in claim 2, it is characterized in that, described obtain the mobile terminal to the target payment code
The history for carrying out barcode scanning payment pays scene, including：
Obtain the corresponding current payment frequency of the current payment scene；
Judge whether the current payment frequency is more than the default payment frequency；
When the current payment frequency is more than the default payment frequency, the mobile terminal is obtained to the target payment code
The history for carrying out barcode scanning payment pays scene.
5. according to the method described in claim 1, it is characterized in that, described when the current payment scene meets the default branch
When paying scene, characteristic to be verified is determined according to the current payment scene, including：
When the current payment scene meets the default payment scene, the corresponding current branch of the current payment scene is obtained
Pay the frequency；
Search feature payoff grade corresponding with the current payment frequency；
The characteristic to be verified is determined according to the feature payoff grade.
6. according to the method described in claim 5, it is characterized in that, it is described determined according to the feature payoff grade it is described to be tested
Characteristics of syndrome data, including：
When the feature payoff grade reduces, at least portion corresponding with the feature payoff grade in initial characteristic data is reduced
Divide characteristic, obtains the characteristic to be verified.
7. according to claim 1-6 any one of them methods, which is characterized in that described to send the characteristic to be verified
To the mobile terminal, payment verification is carried out to indicate that the mobile terminal is based on the characteristic to be verified, including：
The characteristic to be verified is sent to the mobile terminal, to indicate the mobile terminal by the characteristics of syndrome to be tested
Data are matched with the biological attribute data of the user of detection, and in successful match, complete payment.
8. the method according to the description of claim 7 is characterized in that the biological attribute data include at least fingerprint, face with
And one kind in iris.
9. a kind of payment mechanism, which is characterized in that be applied to server, described device includes：
Current payment scene acquisition module is used for when mobile terminal carries out barcode scanning payment to target payment code, the server
Obtain the corresponding current payment scene of the target payment code；
Current payment scene judgment module, for judging whether the current payment scene meets default payment scene；
Characteristic determining module to be verified, for when the current payment scene meets the default payment scene, according to
The current payment scene determines characteristic to be verified；
Payment verification module, it is described mobile whole to indicate for the characteristic to be verified to be sent to the mobile terminal
End group carries out payment verification in the characteristic to be verified.
10. a kind of server, which is characterized in that including memory and processor, the memory is couple to the processor, institute
Memory store instruction is stated, the processor is executed as claim 1-8 is any when executed by the processor
Method described in.
11. a kind of computer read/write memory medium for the program code that can perform with processor, which is characterized in that the journey
Sequence code makes the processor execute such as claim 1-8 any one of them methods.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810445070.6A CN108629594A (en) | 2018-05-10 | 2018-05-10 | Method of payment, device, server and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810445070.6A CN108629594A (en) | 2018-05-10 | 2018-05-10 | Method of payment, device, server and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108629594A true CN108629594A (en) | 2018-10-09 |
Family
ID=63692611
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810445070.6A Pending CN108629594A (en) | 2018-05-10 | 2018-05-10 | Method of payment, device, server and storage medium |
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| Country | Link |
|---|---|
| CN (1) | CN108629594A (en) |
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| CN109583878A (en) * | 2018-11-21 | 2019-04-05 | 努比亚技术有限公司 | Method of payment, device, mobile terminal and computer readable storage medium |
| CN109711850A (en) * | 2018-12-29 | 2019-05-03 | 努比亚技术有限公司 | A kind of safe payment method, equipment and computer readable storage medium |
| CN109801061A (en) * | 2019-02-26 | 2019-05-24 | 努比亚技术有限公司 | Delay in payment method, mobile terminal and storage medium |
| CN110908746A (en) * | 2019-10-12 | 2020-03-24 | 平安银行股份有限公司 | Data processing method, system, readable storage medium and terminal equipment |
| CN111027979A (en) * | 2019-12-11 | 2020-04-17 | 支付宝(杭州)信息技术有限公司 | Method and device for opening, collecting and settling double off-line payment |
| CN111340486A (en) * | 2020-02-19 | 2020-06-26 | 广东小天才科技有限公司 | Payment method and device |
| CN113191852A (en) * | 2021-05-19 | 2021-07-30 | 拉扎斯网络科技（上海）有限公司 | Data verification method and device, storage medium and computer equipment |
| CN114049112A (en) * | 2021-11-17 | 2022-02-15 | 中国电信集团系统集成有限责任公司 | Method, storage medium and system for quickly starting payment mode of mobile terminal |
| CN114493579A (en) * | 2020-11-13 | 2022-05-13 | Oppo广东移动通信有限公司 | Mobile payment method, mobile payment device, electronic equipment and storage medium |
| TWI793558B (en) * | 2021-03-23 | 2023-02-21 | 兆豐國際商業銀行股份有限公司 | Method for personalized recommendation of payment code and system thereof |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109583878A (en) * | 2018-11-21 | 2019-04-05 | 努比亚技术有限公司 | Method of payment, device, mobile terminal and computer readable storage medium |
| CN109711850A (en) * | 2018-12-29 | 2019-05-03 | 努比亚技术有限公司 | A kind of safe payment method, equipment and computer readable storage medium |
| CN109711850B (en) * | 2018-12-29 | 2023-12-08 | 努比亚技术有限公司 | Secure payment method, device and computer readable storage medium |
| CN109801061A (en) * | 2019-02-26 | 2019-05-24 | 努比亚技术有限公司 | Delay in payment method, mobile terminal and storage medium |
| CN110908746A (en) * | 2019-10-12 | 2020-03-24 | 平安银行股份有限公司 | Data processing method, system, readable storage medium and terminal equipment |
| CN111027979A (en) * | 2019-12-11 | 2020-04-17 | 支付宝(杭州)信息技术有限公司 | Method and device for opening, collecting and settling double off-line payment |
| CN111027979B (en) * | 2019-12-11 | 2021-06-29 | 支付宝(杭州)信息技术有限公司 | Method and device for opening, collecting and settling double off-line payment |
| CN111340486A (en) * | 2020-02-19 | 2020-06-26 | 广东小天才科技有限公司 | Payment method and device |
| CN114493579A (en) * | 2020-11-13 | 2022-05-13 | Oppo广东移动通信有限公司 | Mobile payment method, mobile payment device, electronic equipment and storage medium |
| TWI793558B (en) * | 2021-03-23 | 2023-02-21 | 兆豐國際商業銀行股份有限公司 | Method for personalized recommendation of payment code and system thereof |
| CN113191852A (en) * | 2021-05-19 | 2021-07-30 | 拉扎斯网络科技（上海）有限公司 | Data verification method and device, storage medium and computer equipment |
| CN114049112A (en) * | 2021-11-17 | 2022-02-15 | 中国电信集团系统集成有限责任公司 | Method, storage medium and system for quickly starting payment mode of mobile terminal |
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