CN108734471A - Identity identifying method, device, system and storage medium in mobile-payment system - Google Patents
Identity identifying method, device, system and storage medium in mobile-payment system Download PDFInfo
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- CN108734471A CN108734471A CN201810462812.6A CN201810462812A CN108734471A CN 108734471 A CN108734471 A CN 108734471A CN 201810462812 A CN201810462812 A CN 201810462812A CN 108734471 A CN108734471 A CN 108734471A
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- Prior art keywords
- payment
- account
- biological information
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- request
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses a kind of, and identity identifying method, device, system and storage medium based on mobile payment improve the versatility of mobile payment to realize mobile payment under the premise of not depending on mobile terminal.The identity authorization system of mobile payment, including：Electronic payment devices, for acquiring the first biological information and being sent to Cloud Server；The Notifications page of display request the first electronic account payment cipher of input；The response message for carrying the first electronic account payment cipher is returned to Cloud Server；Cloud Server, for searching corresponding e-payment account and its corresponding second biological information；Compare the first biological information and the second biological information；If consistent, the notification message of request the first electronic account payment cipher of input is returned；If the first electronic account payment cipher is consistent with the second electronic account payment cipher, allow this payment；If any one is inconsistent for the two, refuse this payment.
Description
Technical field
The present invention relates to mobile payment technical field more particularly to a kind of identity identifying method, dresses based on mobile payment
It sets, system and storage medium.
Background technology
Mobile payment is also referred to as mobile-phone payment, user using its mobile terminal (being typically mobile phone) to the commodity consumed or
A kind of mode that service is paid.User is by mobile device, internet or closely senses directly or indirectly to bank
Financial institution sends payment instruction and generates currency Zhi Fuyu fund displacement behaviors, to realize mobile payment function.Mobile payment
Terminal device, internet, application provider and financial institution are blended, provide the finance such as currency payment, payment to the user
Business.
Quick Response Code payment is a kind of new generation of wireless payment scheme built based on system of account.In the means of payment
Under, businessman can be assembled into the Transaction Informations such as account, commodity price one Quick Response Code and issue, and payment user passes through cell phone customer
End scans the two-dimensional code, and can realize payment and settlement.But Quick Response Code payment needs to use mobile terminal as its carrier, if
User leaves behind mobile terminal or mobile terminal does not have under electricity condition, can not be paid, to reduce mobile payment
Versatility.
Invention content
The embodiment of the present invention provides a kind of identity identifying method, device, system and storage medium based on mobile payment, uses
To realize mobile payment under the premise of not depending on mobile terminal, the versatility of mobile payment is improved.
In a first aspect, providing a kind of identity authorization system based on mobile payment, including electronic payment devices and cloud service
Device, wherein：
The electronic payment devices, the first biological information for acquiring payment user；By the first biology of acquisition
Characteristic information is carried is sent to the Cloud Server in mobile payment request；And the Cloud Server is received receiving
State the notification message of request the first electronic account payment cipher of input returned after mobile payment request；Disappeared according to the notice
Breath, the Notifications page of display request the first electronic account payment cipher of input；According to the payment electronic account input by user
Payment cipher returns to the response message of the notification message to the Cloud Server, and the first electricity is carried in the response message
Sub- bill payment password；
The Cloud Server, for after receiving mobile payment request, in pre-stored e-payment account
In the correspondence of family and biological information, the corresponding e-payment account of first biological information is searched；According to
The e-payment account searches and is directed to pre-stored second biological information of the e-payment account；Compare described
Whether the first biological information and second biological information are consistent；If first biological information with it is described
Second biological information is consistent, then returns to the logical of request the first electronic account payment cipher of input to the electronic payment devices
Know message；And the first electronics carried in the response message returned for the notification message according to the electronic payment devices
Bill payment password, if it is judged that the first electronic account payment cipher and the payment of pre-stored second electronic account are close
Code is consistent, then allows this payment；If first biological information and second biological information it is inconsistent or
The first electronic account payment cipher and the second electronic account payment cipher are inconsistent described in person, then refuse this payment.
Optionally, the identity authorization system provided in an embodiment of the present invention based on mobile payment, further includes terminal device,
In：
The terminal device, for sending bind request, institute to the Cloud Server for registered e-payment account
State the biological information that the terminal device acquisition is carried in bind request；
The Cloud Server, for according to the bind request, establishing the biological characteristic carried in the bind request letter
Correspondence between breath and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
The Cloud Server is additionally operable to, according to the e-payment account, search pre- for the e-payment account
While the second biological information first stored, according to the e-payment account, searches and be directed to the e-payment account
Pre-stored second fingerprint input sequence；And returning to request the first electronic account branch of input to the electronic payment devices
Before the notification message for paying password, determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
Second aspect provides a kind of identity identifying method based on mobile payment, including：
The mobile payment request that electronic payment devices are sent is received, carries payment user's in the mobile payment request
First biological information；
In the correspondence of pre-stored e-payment account and biological information, it is special to search first biology
Reference ceases corresponding e-payment account；
According to the e-payment account, search for the pre-stored second biological characteristic letter of the e-payment account
Breath；
Compare first biological information and whether second biological information is consistent；
If first biological information is consistent with second biological information, set to the e-payment
The standby notification message for returning to request the first electronic account payment cipher of input；And
It receives the electronic payment devices and is directed to the response message that the notification message returns, carried in the response message
There is the first electronic account payment cipher；
If the first electronic account payment cipher is consistent with pre-stored second electronic account payment cipher, permit
Perhaps this pays；
If first biological information and second biological information be inconsistent or first electronics
Bill payment password and the second electronic account payment cipher are inconsistent, then refuse this payment.
Optionally, the correspondence of the e-payment account and biological information is to be obtained according to following below scheme：
Receiving terminal apparatus is directed to the bind request that registered e-payment account is sent, and is carried in the bind request
The biological information of the terminal device acquisition；
According to the bind request received, the biological information carried in the bind request and registered electronics are established
Correspondence between payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
According to the e-payment account, searches and be directed to pre-stored second biological characteristic of the e-payment account
While information, further include：
According to the e-payment account, search suitable for the pre-stored second fingerprint input of the e-payment account
Sequence；And
Before the notification message for returning to request the first electronic account payment cipher of input to the electronic payment devices, also
Including：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
The third aspect provides a kind of identification authentication system based on mobile payment, including：
First receiving unit, the mobile payment request for receiving electronic payment devices transmission, the mobile payment request
In carry payment user the first biological information；
First searching unit is used in the correspondence of pre-stored e-payment account and biological information,
Search the corresponding e-payment account of first biological information；
Second searching unit, for according to the e-payment account, lookup to be deposited in advance for the e-payment account
Second biological information of storage；
Comparing unit, it is whether consistent for first biological information and second biological information；
Returning unit, for according to the comparison result of the comparing unit, if the comparison result is consistent, to described
Electronic payment devices return to the notification message of request the first electronic account payment cipher of input；
Second receiving unit is directed to the response message that the notification message returns for receiving the electronic payment devices,
The first electronic account payment cipher is carried in the response message；
Payment processing unit, if for the first electronic account payment cipher and pre-stored second electronic account
Payment cipher is consistent, then allows this payment；If first biological information and second biological information are not
The consistent or described first electronic account payment cipher and the second electronic account payment cipher are inconsistent, then refuse this branch
It pays.
Optionally, the identification authentication system based on mobile payment further includes：
Third receiving unit is directed to the bind request that registered e-payment account is sent, institute for receiving terminal apparatus
State the biological information that the terminal device acquisition is carried in bind request；
Correspondence relationship establishing unit, for according to the bind request received, establishing the life carried in the bind request
Correspondence between object characteristic information and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
The identification authentication system based on mobile payment, further includes determination unit, wherein：
Second searching unit is additionally operable to, according to the e-payment account, search and be directed to the e-payment account
While pre-stored second biological information in family, according to the e-payment account, searches and be directed to the e-payment
The pre-stored second fingerprint input sequence of account；
The determination unit is additionally operable to return to the first electricity of request input to the electronic payment devices in the returning unit
Before the notification message of sub- bill payment password, the first fingerprint input sequence and the second fingerprint input sequence one are determined
It causes.
Fourth aspect provides a kind of computing device, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor so that on the processor executes
The step of stating any authentication the method based on mobile payment.
5th aspect, provides a kind of computer-readable storage medium, is stored with the calculating that can be executed by computing device
Machine program, when described program is run on the computing device so that the computing device executes any of the above-described based on mobile payment
Authentication the method the step of.
Identity identifying method, device, system and storage medium provided in an embodiment of the present invention based on mobile payment, into
When row e-payment is verified, the biological information that electronic payment devices acquisition payment user binds in advance, Cloud Server is connecing
After receiving mobile payment request, payment can be completed by searching for the corresponding biological information of e-payment account, into one
Step ground, in order to improve the safety of mobile payment, can also authenticate user using the payment cipher of user equipment, to
Mobile payment is realized in realization under the premise of not depending on mobile terminal, improves the versatility of mobile payment application scenarios.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The purpose of the present invention and other advantages can be by the explanations write
Specifically noted structure is realized and is obtained in book, claims and attached drawing.
Description of the drawings
Attached drawing described herein is used to provide further understanding of the present invention, and constitutes the part of the present invention, this hair
Bright illustrative embodiments and their description are not constituted improper limitations of the present invention for explaining the present invention.In the accompanying drawings：
Fig. 1 is the identity authorization system structure chart based on mobile payment according to the embodiment of the present invention；
Fig. 2 is the e-payment account mark established user name, be paid for user's registration according to mode of the embodiment of the present invention
The flow diagram of correspondence between knowledge, the first device identification and the second device identification；
Fig. 3 is establishing user name, e-payment account identification, biological information, set according to embodiment of the present invention
The flow diagram of correspondence between standby mark and electronic account payment cipher set by user；
Fig. 4 is the implementation process diagram according to the identity identifying method based on mobile payment of embodiment of the present invention；
Fig. 5 is the structural schematic diagram according to the identification authentication system based on mobile payment of embodiment of the present invention；
Fig. 6 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific implementation mode
Mobile payment is realized under the premise of not depending on mobile terminal in order to realize, improves the versatility of mobile payment, this
Inventive embodiments provide a kind of identity identifying method, device, system and storage medium based on mobile payment.
" multiple or several " refer to two or more it should be noted that referenced herein." and/
Or ", the incidence relation of affiliated partner is described, indicates may exist three kinds of relationships, for example, A and/or B, can indicate：Individually deposit
In A, A and B, these three situations of individualism B are existed simultaneously.It is a kind of "or" that character "/", which typicallys represent forward-backward correlation object,
Relationship.
In addition, term " first " in specification and claims and above-mentioned attached drawing in the embodiment of the present invention, "
Two ", " third " and " 4th " etc. are for distinguishing similar object, without being used to describe specific sequence or precedence.
It should be appreciated that the data used in this way can be interchanged in the appropriate case, so that the embodiments described herein can be in addition at this
In illustrate or description content other than sequence implement.
Terminal device in the present invention can be PC (full name in English：Personal Computer, PC), tablet
Computer, personal digital assistant (Personal Digita l Assistant, PDA), personal communication service (full name in English：
Personal Communication Service, PCS) terminal devices such as phone, notebook and mobile phone can also be to have to move
The computer of dynamic terminal, for example, it may be portable, pocket, hand-held, built-in computer or vehicle-mounted mobile dress
Set, the equipment that they can provide a user voice and/or data connectivity, and exchange with wireless access network language and/or
Data.
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
As shown in Figure 1, the structural schematic diagram of its identity authorization system based on mobile payment provided for this law embodiment.
Payment user 10 and be paid for user (i.e. businessman user) 20 can be respectively by being installed in terminal device 11 and terminal device 21
Mobile payment client log in Cloud Server 12, wherein wherein, mobile payment client can be webpage browser,
Can be to be installed on terminal device (including terminal device 11 and terminal device 21), such as mobile phone, the mobile branch in tablet computer etc.
Pay client.
It is communicatively coupled by network between terminal device 11 and terminal device 21 and Cloud Server 12, which can be with
For LAN, wide area network etc..Terminal device 11 can be portable equipment (such as：Mobile phone, tablet, laptop etc.), also may be used
Think PC (PC, Personal Computer), Cloud Server 12 can be any to be capable of providing mobile payment service
Equipment.
Wherein, payment user 10 is utilized respectively terminal device 11 and terminal with user's (being also known as seller user) 20 is paid for
Equipment 21 obtains user name by being registered to Cloud Server 12, and Cloud Server 12 stores user name after user succeeds in registration
And with payment user 10 and be paid for user password that user 20 is arranged as authentication information, continuation payment user 10 and propped up
User 20 is paid when logging on Cloud Server 12, Cloud Server 12 returns to login page to client, pays user 10 and is propped up
It pays the login page input authentication information (i.e. user name and user password) that user 20 shows in client and submits to cloud service
Device 12, Cloud Server 12 compare when user submits authentication information with oneself in user's registration whether the authentication information that stores one is shown
Determine whether that user logs in.
After user registration success, e-payment account can be sent to Cloud Server 12 and open request, to open electronics branch
It pays a bill family.
Wherein, user is paid for after e-payment account is opened successfully, can bind the electronics branch for receiving payment
Dispensing apparatus 22 includes graphic code scan module and living things feature recognition in the electronic payment devices involved in the embodiment of the present invention
Module, wherein biological characteristic recognition module may include following at least one：Voiceprint identification module, fingerprint identification module, iris
Identification module and facial picture recognition module.
When it is implemented, being paid for user can be tied up according to flow shown in Fig. 2 to Cloud Server using terminal device 21
Determine electronic payment devices, includes the following steps：
S21, be paid for user by terminal device to Cloud Server send the first bind request.
In this step, it is paid for user and the first bind request is sent to Cloud Server 12 by terminal device 21.Wherein, exist
The user for carrying the first device identification of electronic payment devices in the first bind request sent, being paid for user's registration acquisition
Name is paid for the e-payment account identification of user's registration and the second device identification of terminal device 21.
S22, Cloud Server establish the user name carried in the first bind request, the first equipment according to the first bind request
Correspondence between mark and the second device identification.
It should be appreciated that before determining that allowing to be paid for account binds electronic payment devices, Cloud Server also needs to basis
The information such as the registration username and password of user are paid for authenticate to being paid for user and determine that the authentication is passed.
As shown in table 1, be Cloud Server establish user name, be paid for user's registration e-payment account identification,
Correspondence signal between first device identification and the second device identification.
Table 1
| User name | First device identification | Second device identification | E-payment account identification |
| …… | …… | …… | …… |
It should be noted that electronic payment devices 22 can be independent equipment, or the life in terminal device 21
Object characteristic information acquisition module and graphic code scan module etc..
User is paid after e-payment account is opened successfully, the biological characteristic of itself can be acquired by terminal device 11
Information, and bind the correspondence between the biological information of acquisition and its e-payment account registered.As shown in figure 3,
Payment user can ask the electronics branch that the biological information of binding acquisition is registered with it according to following below scheme to Cloud Server
The correspondence paid a bill between family：
S31, payment user send the second bind request by terminal device to Cloud Server.
In this step, payment user sends the second bind request using terminal device 11 to Cloud Server.Second binding is asked
The biological characteristic that user name, e-payment account identification and the terminal device 11 that payment user's registration obtains acquire is carried in asking
Information, the device identification of terminal device 11 and payment electronic account payment cipher set by user, which can
Think following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image feature information.
S32, Cloud Server establish user name, e-payment account identification and biological characteristic letter according to the second bind request
Correspondence between breath and device identification and storage.
It should be appreciated that before determining that permission payment account binds biological information, Cloud Server is also needed to according to branch
The information such as the username and password of user's registration are paid to authenticate payment user and determine that the authentication is passed.As shown in table 2, it is
User name, e-payment account identification, biological information, device identification and the electricity set by user that Cloud Server 12 is established
Correspondence signal between sub- bill payment password.
Table 2
Based on this, in the identity authorization system provided in an embodiment of the present invention based on mobile payment, electronic payment devices 22,
The first biological information for acquiring payment user；First biological information of acquisition is carried and is asked in mobile payment
In be sent to the Cloud Server 12；And receive what the Cloud Server 12 returned after receiving the mobile payment request
The notification message of request the first electronic account payment cipher of input；According to the notification message, display request the first electronics of input
The Notifications page of bill payment password；According to the payment electronic account payment cipher input by user, to the Cloud Server
12 return to the response message of the notification message, and the first electronic account payment cipher is carried in the response message；
The Cloud Server 12, for after receiving mobile payment request, in pre-stored e-payment
In the correspondence of account and biological information, the corresponding e-payment account of first biological information is searched；Root
According to the e-payment account, searches and be directed to pre-stored second biological information of the e-payment account；Compare institute
It states the first biological information and whether second biological information is consistent；If first biological information and institute
It states that the second biological information is consistent, then returns to request the first electronic account payment cipher of input to the electronic payment devices
Notification message；And the first electricity carried in the response message returned for the notification message according to the electronic payment devices
Sub- bill payment password, if it is judged that the first electronic account payment cipher is paid with pre-stored second electronic account
Password is consistent, then allows this payment；If first biological information and second biological information are inconsistent
Or the first electronic account payment cipher and the second electronic account payment cipher it is inconsistent, then refuse this payment.
In one embodiment, biological information can be fingerprint feature information, make to improve fingerprint feature information
Safety, in the embodiment of the present invention, payment user, can during binding e-payment account with biological information
To bind multiple finger print informations, and the typing sequence of finger print information is recorded, in this way, when subsequently carrying out the verification of finger print information,
On the one hand it can verify whether finger print information matches, on the other hand, can also further verify the typing sequence of finger print information
Whether match, be based on this, in embodiments of the present invention, the first biological information is at least two fingerprint feature informations, described
The first fingerprint input sequence is also carried in mobile payment request；And
The Cloud Server is additionally operable to, according to the e-payment account, search pre- for the e-payment account
While the second biological information first stored, according to the e-payment account, searches and be directed to the e-payment account
Pre-stored second fingerprint input sequence；And returning to request the first electronic account branch of input to the electronic payment devices
Before the notification message for paying password, determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.If
It is both consistent, then allow this payment, if any of which is inconsistent, refuses this payment.
Based on same inventive concept, an embodiment of the present invention provides a kind of identity identifying methods based on mobile payment, such as
Shown in Fig. 4, it may comprise steps of：
S41, the mobile payment request that electronic payment devices are sent is received, carrying payment in the mobile payment request uses
First biological information at family.
S42, in the correspondence of pre-stored e-payment account and biological information, search it is described first life
The corresponding e-payment account of object characteristic information.
S43, according to the e-payment account, search special for pre-stored second biology of the e-payment account
Reference ceases.
Whether the first biological information described in S44, comparison and second biological information are consistent, if it is,
Step S45 is executed, if not, thening follow the steps S49.
S45, the notification message that request the first electronic account payment cipher of input is returned to the electronic payment devices.
S46, it the electronic payment devices is received is directed to the response message that the notification message returns, in the response message
Carry the first electronic account payment cipher.
S47, to compare the first electronic account payment cipher consistent with pre-stored second electronic account payment cipher, if
It is to execute step S48, otherwise, executes step S49.
S48, this payment, flow is allowed to terminate.
S49, refuse this payment.
Optionally, the correspondence of the e-payment account and biological information is to be obtained according to following below scheme：
Receiving terminal apparatus is directed to the bind request that registered e-payment account is sent, and is carried in the bind request
The biological information of the terminal device acquisition；
According to the bind request received, the biological information carried in the bind request and registered electronics are established
Correspondence between payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
According to the e-payment account, searches and be directed to pre-stored second biological characteristic of the e-payment account
While information, further include：
According to the e-payment account, search suitable for the pre-stored second fingerprint input of the e-payment account
Sequence；And
Before the notification message for returning to request the first electronic account payment cipher of input to the electronic payment devices, also
Including：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
Identity identifying method, device, system and storage medium provided in an embodiment of the present invention based on mobile payment, into
When row e-payment is verified, the biological information that electronic payment devices acquisition payment user binds in advance, Cloud Server is connecing
After receiving mobile payment request, payment can be completed by searching for the corresponding biological information of e-payment account, into one
Step ground, in order to improve the safety of mobile payment, can also authenticate user using the payment cipher of user equipment, to
Mobile payment is realized in realization under the premise of not depending on mobile terminal, improves the versatility of mobile payment application scenarios.
Based on same inventive concept, a kind of authentication dress based on mobile payment is additionally provided in the embodiment of the present invention
It sets, since the principle that above-mentioned apparatus solves the problems, such as is similar to the identity identifying method based on mobile payment, above system
Implementation may refer to the implementation of method, and overlaps will not be repeated.
As shown in figure 5, it is the identification authentication system provided in an embodiment of the present invention based on mobile payment, including：
First receiving unit 51, the mobile payment request for receiving electronic payment devices transmission, the mobile payment are asked
The first biological information of payment user is carried in asking；
First searching unit 52, for the correspondence in pre-stored e-payment account and biological information
In, search the corresponding e-payment account of first biological information；
Second searching unit 53, for according to the e-payment account, searching advance for the e-payment account
Second biological information of storage；
Comparing unit 54, for first biological information and second biological information whether one
It causes；
Returning unit 55, for the comparison result according to the comparing unit, if the comparison result is consistent, to institute
State the notification message that electronic payment devices return to request the first electronic account payment cipher of input；
Second receiving unit 56 disappears for receiving the response that the electronic payment devices are returned for the notification message
It ceases, the first electronic account payment cipher is carried in the response message；
Payment processing unit 57, if for the first electronic account payment cipher and pre-stored second electronics account
Family payment cipher is consistent, then allows this payment；If first biological information and second biological information
The inconsistent or described first electronic account payment cipher and the second electronic account payment cipher are inconsistent, then refuse this
Payment.
Optionally, the identification authentication system based on mobile payment further includes：
Third receiving unit is directed to the bind request that registered e-payment account is sent, institute for receiving terminal apparatus
State the biological information that the terminal device acquisition is carried in bind request；
Correspondence relationship establishing unit, for according to the bind request received, establishing the life carried in the bind request
Correspondence between object characteristic information and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
The identification authentication system based on mobile payment, further includes determination unit, wherein：
Second searching unit is additionally operable to, according to the e-payment account, search and be directed to the e-payment account
While pre-stored second biological information in family, according to the e-payment account, searches and be directed to the e-payment
The pre-stored second fingerprint input sequence of account；
The determination unit is additionally operable to return to the first electricity of request input to the electronic payment devices in the returning unit
Before the notification message of sub- bill payment password, the first fingerprint input sequence and the second fingerprint input sequence one are determined
It causes.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement the function of each module (or unit) can be realized in same or multiple softwares or hardware when the present invention.
Describe exemplary embodiment of the invention the identity authorization system based on mobile payment, method and apparatus it
Afterwards, next, introducing the computing device of another exemplary embodiment according to the present invention.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, i.e.,：It is complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
In some possible embodiments, computing device according to the present invention can include at least at least one processing
Device and at least one processor.Wherein, the memory has program stored therein code, when said program code is by the processing
When device executes so that the processor executes the shifting according to the various illustrative embodiments of the present invention of this specification foregoing description
Step in dynamic method of payment.For example, the processor can execute step S41 as shown in Figure 4, reception e-payment is set
The mobile payment request that preparation is sent carries the first biological information of payment user in the mobile payment request；Step
S42, in the correspondence of pre-stored e-payment account and biological information, search first biological characteristic letter
Cease corresponding e-payment account；Step S43, it according to the e-payment account, searches pre- for the e-payment account
The second biological information first stored；Step S44, the first biological information described in comparison is believed with second biological characteristic
Whether breath is consistent, if so, S45 is thened follow the steps, if not, thening follow the steps S49；Step S45, described first biological characteristic
Information is consistent with second biological information, then returns to request the first electronic account branch of input to the electronic payment devices
Pay the notification message of password；Step S46, the electronic payment devices are received and are directed to the response message that the notification message returns,
The first electronic account payment cipher is carried in the response message；Step S47, compare the first electronic account payment cipher with it is pre-
The the second electronic account payment cipher first stored is consistent, if so, executing step S48, otherwise, executes step S49；Step S48,
This payment, flow is allowed to terminate；Step S49, refuse this payment.
The computing device 60 of this embodiment according to the present invention is described referring to Fig. 6.The calculating dress that Fig. 6 is shown
It is only an example to set 60, should not bring any restrictions to the function and use scope of the embodiment of the present invention.
As shown in fig. 6, computing device 60 is showed in the form of universal computing device.The component of computing device 60 may include
But it is not limited to：Above-mentioned at least one processor 61, above-mentioned at least one processor 62, (including the storage of connection different system component
Device 62 and processor 61) bus 63.
Bus 63 indicates one or more in a few class bus structures, including memory bus or Memory Controller,
Peripheral bus, processor or the local bus using the arbitrary bus structures in a variety of bus structures.
Memory 62 may include the readable medium of form of volatile memory, such as random access memory (RAM) 621
And/or cache memory 622, it can further include read-only memory (ROM) 623.
Memory 62 can also include program/utility 625 with one group of (at least one) program module 624, this
The program module 624 of sample includes but not limited to：Operating system, one or more application program, other program modules and journey
Ordinal number evidence may include the realization of network environment in each or certain combination in these examples.
Computing device 60 can also be communicated with one or more external equipments 64 (such as keyboard, sensing equipment etc.), may be used also
Enable a user to the equipment interacted with computing device 60 communication with one or more, and/or with enable the computing device 60
Any equipment (such as the router, modem etc.) communication communicated with one or more of the other computing device.This
Kind communication can be carried out by input/output (I/O) interface 65.Also, computing device 60 can also pass through network adapter 66
With one or more network (such as LAN (LAN), wide area network (WAN) and/or public network, such as internet) communication.
As shown, network adapter 66 is communicated by bus 63 with other modules for computing device 60.It will be appreciated that though figure
In be not shown, can in conjunction with computing device 60 use other hardware and/or software module, including but not limited to：Microcode, equipment
Driver, redundant processor, external disk drive array, RAID system, tape drive and data backup storage system etc..
In some possible embodiments, each side of the identity identifying method provided by the invention based on mobile payment
Face is also implemented as a kind of form of program product comprising program code, when described program product on a computing device
When operation, said program code is used to make the computer equipment to execute showing according to the present invention is various for this specification foregoing description
Step in the identity identifying method based on mobile payment of example property embodiment, for example, the computer equipment can execute
The mobile payment request of step S41, reception electronic payment devices transmission as shown in Figure 4, takes in the mobile payment request
The first biological information with payment user；Step S42, in pre-stored e-payment account and biological information
Correspondence in, search the corresponding e-payment account of first biological information；Step S43, according to the electronics
Payment account is searched and is directed to pre-stored second biological information of the e-payment account；Step S44, described in comparison
Whether the first biological information and second biological information are consistent, if so, S45 is thened follow the steps, if it is not, then
Execute step S49；Step S45, described first biological information is consistent with second biological information, then to the electricity
Sub- payment devices return to the notification message of request the first electronic account payment cipher of input；Step S46, the e-payment is received
Equipment is directed to the response message that the notification message returns, and the first electronic account payment cipher is carried in the response message；
Step S47, it is consistent with pre-stored second electronic account payment cipher to compare the first electronic account payment cipher, if so,
Step S48 is executed, otherwise, executes step S49；Step S48, this payment, flow is allowed to terminate；Step S49, refuse this branch
It pays.
The arbitrary combination of one or more readable mediums may be used in described program product.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or the arbitrary above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes：Electrical connection, portable disc with one or more conducting wires, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The program product for the authentication in mobile payment of embodiments of the present invention may be used portable tight
It gathers disk read-only memory (CD-ROM) and include program code, and can run on the computing device.However, the program of the present invention
Product is without being limited thereto, in this document, readable storage medium storing program for executing can be any include or storage program tangible medium, the program
The either device use or in connection of execution system, device can be commanded.
Readable signal medium may include in a base band or as the data-signal that a carrier wave part is propagated, wherein carrying
Readable program code.Diversified forms may be used in the data-signal of this propagation, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, which can send, propagate either transmission for being used by instruction execution system, device or device or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
It can be write with any combination of one or more programming languages for executing the program that operates of the present invention
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It executes on computing device, partly execute on a user device, being executed as an independent software package, partly in user's calculating
Upper side point is executed or is executed in remote computing device or server completely on a remote computing.It is being related to far
In the situation of journey computing device, remote computing device can pass through the network of any kind --- including LAN (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
It should be noted that although being referred to several units or subelement of device in above-detailed, this stroke
It point is only exemplary not enforceable.In fact, according to the embodiment of the present invention, it is above-described two or more
The feature and function of unit can embody in a unit.Conversely, the feature and function of an above-described unit can
It is embodied by multiple units with being further divided into.
In addition, although the operation of the method for the present invention is described with particular order in the accompanying drawings, this do not require that or
Hint must execute these operations according to the particular order, or have to carry out shown in whole operation could realize it is desired
As a result.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or by one
Step is decomposed into execution of multiple steps.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications can be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (14)
1. a kind of identity authorization system based on mobile payment, which is characterized in that including electronic payment devices and Cloud Server,
In：
The electronic payment devices, the first biological information for acquiring payment user；By the first biological characteristic of acquisition
Information is carried is sent to the Cloud Server in mobile payment request；And it receives the Cloud Server and is receiving the shifting
The notification message of request the first electronic account payment cipher of input returned after dynamic payment request；According to the notification message, show
Show the Notifications page of request the first electronic account payment cipher of input；It is close according to payment electronic account payment input by user
Code, the response message of the notification message is returned to the Cloud Server, the first electronic account is carried in the response message
Payment cipher；
The Cloud Server, for after receiving mobile payment request, pre-stored e-payment account with
In the correspondence of biological information, the corresponding e-payment account of first biological information is searched；According to described
E-payment account searches and is directed to pre-stored second biological information of the e-payment account；Compare described first
Whether biological information and second biological information are consistent；If first biological information and described second
Biological information is consistent, then the notice that request the first electronic account payment cipher of input is returned to the electronic payment devices disappears
Breath；And the first electronic account carried in the response message returned for the notification message according to the electronic payment devices
Payment cipher, if it is judged that the first electronic account payment cipher and pre-stored second electronic account payment cipher one
It causes, then allows this payment；If first biological information and second biological information be inconsistent or institute
It states the first electronic account payment cipher and the second electronic account payment cipher is inconsistent, then refuse this payment.
2. the system as claimed in claim 1, which is characterized in that further include terminal device, wherein：
The terminal device, it is described to tie up for sending bind request to the Cloud Server for registered e-payment account
The biological information of the terminal device acquisition is carried in fixed request；
The Cloud Server, for according to the bind request, establish the biological information that is carried in the bind request with
Correspondence between registered e-payment account and storage.
3. system as claimed in claim 1 or 2, which is characterized in that first biological information or the second biological characteristic
Information includes following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image feature information.
4. system as claimed in claim 3, which is characterized in that first biological information is at least two fingerprint characteristics
Information also carries the first fingerprint input sequence in the mobile payment request；And the Cloud Server, it is additionally operable in basis
The e-payment account, while searching the second biological information pre-stored for the e-payment account, root
According to the e-payment account, searches and be directed to the pre-stored second fingerprint input sequence of the e-payment account；And
Before the notification message for returning to request the first electronic account payment cipher of input to the electronic payment devices, described first is determined
Fingerprint input sequence is consistent with the second fingerprint input sequence.
5. a kind of identity identifying method based on mobile payment, which is characterized in that including：
The mobile payment request that electronic payment devices are sent is received, the first of payment user is carried in the mobile payment request
Biological information；
In the correspondence of pre-stored e-payment account and biological information, the first biological characteristic letter is searched
Cease corresponding e-payment account；
According to the e-payment account, searches and be directed to pre-stored second biological information of the e-payment account；
Compare first biological information and whether second biological information is consistent；
If first biological information is consistent with second biological information, returned to the electronic payment devices
Return hospitality the notification message for seeking the first electronic account payment cipher of input；And
It receives the electronic payment devices and is directed to the response message that the notification message returns, the is carried in the response message
One electronic account payment cipher；
If the first electronic account payment cipher is consistent with pre-stored second electronic account payment cipher, allow this
Secondary payment；
If first biological information and second biological information be inconsistent or first electronic account
Payment cipher and the second electronic account payment cipher are inconsistent, then refuse this payment.
6. method as claimed in claim 5, which is characterized in that the e-payment account is corresponding with biological information to close
System is to be obtained according to following below scheme：
Receiving terminal apparatus is directed to the bind request that registered e-payment account is sent, and is carried in the bind request described
The biological information of terminal device acquisition；
According to the bind request received, the biological information carried in the bind request and registered e-payment are established
Correspondence between account and storage.
7. such as method described in claim 5 or 6, which is characterized in that first biological information or the second biological characteristic
Information includes following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image feature information.
8. the method for claim 7, which is characterized in that first biological information is at least two fingerprint characteristics
Information also carries the first fingerprint input sequence in the mobile payment request；And it according to the e-payment account, looks into
While looking for the second biological information pre-stored for the e-payment account, further include：
According to the e-payment account, searches and be directed to the pre-stored second fingerprint input sequence of the e-payment account；
And
Before the notification message for returning to request the first electronic account payment cipher of input to the electronic payment devices, also wrap
It includes：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
9. a kind of identification authentication system based on mobile payment, which is characterized in that including：
First receiving unit, the mobile payment request for receiving electronic payment devices transmission are taken in the mobile payment request
The first biological information with payment user；
First searching unit, in the correspondence of pre-stored e-payment account and biological information, searching
The corresponding e-payment account of first biological information；
Second searching unit, for according to the e-payment account, searching pre-stored for the e-payment account
Second biological information；
Comparing unit, it is whether consistent for first biological information and second biological information；
Returning unit, for the comparison result according to the comparing unit, if the comparison result is consistent, to the electronics
Payment devices return to the notification message of request the first electronic account payment cipher of input；
Second receiving unit is directed to the response message that the notification message returns for receiving the electronic payment devices, described
The first electronic account payment cipher is carried in response message；
Payment processing unit, if paid for the first electronic account payment cipher and pre-stored second electronic account
Password is consistent, then allows this payment；If first biological information and second biological information are inconsistent
Or the first electronic account payment cipher and the second electronic account payment cipher it is inconsistent, then refuse this payment.
10. device as claimed in claim 9, which is characterized in that further include：
Third receiving unit is directed to the bind request that registered e-payment account is sent for receiving terminal apparatus, described to tie up
The biological information of the terminal device acquisition is carried in fixed request；
Correspondence relationship establishing unit, it is special for according to the bind request received, establishing the biology carried in the bind request
Reference ceases the correspondence between registered e-payment account and storage.
11. the device as described in claim 9 or 10, which is characterized in that first biological information or the second biology are special
Reference breath includes following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image features letter
Breath.
12. device as claimed in claim 11, which is characterized in that first biological information is that at least two fingerprints are special
Reference ceases, and the first fingerprint input sequence is also carried in the mobile payment request；And
Described device further includes determination unit, wherein：
Second searching unit is additionally operable to, according to the e-payment account, search pre- for the e-payment account
While the second biological information first stored, according to the e-payment account, searches and be directed to the e-payment account
Pre-stored second fingerprint input sequence；
The determination unit is additionally operable to return to request the first electronics account of input to the electronic payment devices in the returning unit
Before the notification message of family payment cipher, determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
13. a kind of computing device, which is characterized in that including at least one processor and at least one processor, wherein institute
It states memory and is stored with computer program, when described program is executed by the processor so that the processor perform claim
It is required that the step of 5~8 any claim the method.
14. a kind of computer-readable storage medium, which is characterized in that it is stored with the computer journey that can be executed by computing device
Sequence, when described program is run on the computing device so that the computing device perform claim requires 5~8 any claims
The step of the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810462812.6A CN108734471A (en) | 2018-05-15 | 2018-05-15 | Identity identifying method, device, system and storage medium in mobile-payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810462812.6A CN108734471A (en) | 2018-05-15 | 2018-05-15 | Identity identifying method, device, system and storage medium in mobile-payment system |
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| CN108734471A true CN108734471A (en) | 2018-11-02 |
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| CN201810462812.6A Pending CN108734471A (en) | 2018-05-15 | 2018-05-15 | Identity identifying method, device, system and storage medium in mobile-payment system |
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| CN109741070A (en) * | 2018-12-28 | 2019-05-10 | 深圳市元征科技股份有限公司 | A kind of account management method and device based on net card |
| CN109815895A (en) * | 2019-01-23 | 2019-05-28 | 北京意锐新创科技有限公司 | Fingerprint identification method and device under screen based on cloud computing |
| CN110009335A (en) * | 2018-12-05 | 2019-07-12 | 阿里巴巴集团控股有限公司 | Payment code generation, method of mobile payment, device and equipment |
| CN110738499A (en) * | 2019-09-03 | 2020-01-31 | 平安科技（深圳）有限公司 | User identity authentication method and device, computer equipment and storage medium |
| CN110889742A (en) * | 2019-11-14 | 2020-03-17 | 扬州三只兔信息科技有限公司 | Household article online sale system |
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| CN113570360A (en) * | 2021-06-30 | 2021-10-29 | 中国银联股份有限公司 | Payment method, device, equipment and medium |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110009335A (en) * | 2018-12-05 | 2019-07-12 | 阿里巴巴集团控股有限公司 | Payment code generation, method of mobile payment, device and equipment |
| CN110009335B (en) * | 2018-12-05 | 2021-01-26 | 创新先进技术有限公司 | Payment code generation method, payment code generation device, mobile payment method, mobile payment device and equipment |
| CN109741070A (en) * | 2018-12-28 | 2019-05-10 | 深圳市元征科技股份有限公司 | A kind of account management method and device based on net card |
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| CN109815895A (en) * | 2019-01-23 | 2019-05-28 | 北京意锐新创科技有限公司 | Fingerprint identification method and device under screen based on cloud computing |
| CN109815895B (en) * | 2019-01-23 | 2021-03-30 | 北京意锐新创科技有限公司 | Cloud computing-based method and device for identifying fingerprint under screen |
| CN112016928A (en) * | 2019-05-31 | 2020-12-01 | 华控清交信息科技(北京)有限公司 | Payment method and device for payment |
| CN110738499A (en) * | 2019-09-03 | 2020-01-31 | 平安科技（深圳）有限公司 | User identity authentication method and device, computer equipment and storage medium |
| CN110889742A (en) * | 2019-11-14 | 2020-03-17 | 扬州三只兔信息科技有限公司 | Household article online sale system |
| CN113570360A (en) * | 2021-06-30 | 2021-10-29 | 中国银联股份有限公司 | Payment method, device, equipment and medium |
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Application publication date: 20181102 |