CN108764919A - E-payment confirmation method, device, system and storage medium - Google Patents
E-payment confirmation method, device, system and storage medium Download PDFInfo
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- CN108764919A CN108764919A CN201810464070.0A CN201810464070A CN108764919A CN 108764919 A CN108764919 A CN 108764919A CN 201810464070 A CN201810464070 A CN 201810464070A CN 108764919 A CN108764919 A CN 108764919A
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- biological information
- payment account
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- Computer Security & Cryptography (AREA)
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- Computer Networks & Wireless Communication (AREA)
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Abstract
The invention discloses a kind of e-payment confirmation method, device, system and storage medium, the safety for improving e-payment especially graphic code payment.E-payment confirmation method includes：Receive the electronic payment requests for carrying the first biological information；Search its corresponding e-payment account；Search corresponding second biological information of the e-payment account；If the first biological information is consistent with the second biological information, the phone number of binding is searched；E-payment, which is sent, according to the phone number found verifies short message；If receiving e-payment verification SM status within the set duration as read state；Or the response short message for confirming payment is received, allow this payment；If the first biological information and the second biological information are inconsistent, either it is unread status or receives the response short message of refusal to pay if receiving e-payment verification SM status, refuse this payment.
Description
Technical field
The present invention relates to e-payment technical field more particularly to a kind of e-payment confirmation method, device, system and deposit
Storage media.
Background technology
E-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 electronic payment function.E-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 if once user's Quick Response Code is stolen, there are user account quilts
The risk for stealing brush, reduces the safety paid using Quick Response Code.
Invention content
A kind of e-payment confirmation method of offer of the embodiment of the present invention, device, system and storage medium, to improve electricity
The safety of son payment.
In a first aspect, a kind of e-payment confirmation system is provided, including：
Electronic payment devices, the first biological information for acquiring payment user；By the first biological characteristic of acquisition
Information carrying is sent to the Cloud Server in electronic payment requests；And
Cloud Server, for after receiving the electronic payment requests, 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 according to the e-payment account, searches the phone number of the e-payment account binding；Root
It is investigated that the phone number found, sends e-payment to corresponding mobile terminal by Short Message Service Gateway and verifies short message；With
And if it is read state to receive the e-payment verification SM status that the mobile terminal returns within the set duration；
Or the response short message for receiving the confirmation payment that the mobile terminal returns is determined within the set duration, allow this branch
It pays；If first biological information and second biological information are inconsistent, or if within the set duration
It is unread status to receive the e-payment verification SM status that the mobile terminal returns, or receives the movement
The response short message for the refusal to pay that terminal returns, then refuse this payment；
Mobile terminal, for showing that short message is verified in the e-payment received；And by Short Message Service Gateway to the cloud
Server returns to the read state that short message is verified in the e-payment in the setting duration；Or within the set duration, root
It is returned to the Cloud Server by Short Message Service Gateway according to the operation of the payment user and confirms the response short message of payment or refuse
The response short message paid absolutely.
Optionally, e-payment provided in an embodiment of the present invention confirms system, further includes terminal device, wherein：
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 electronic payment requests
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 it according to the e-payment account, searches the e-payment account and ties up
Before fixed phone number, determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
Second aspect provides a kind of e-payment confirmation method, including：
The electronic payment requests that electronic payment devices are sent are received, carry payment user's in the electronic payment requests
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, according to the e-payment
Account searches the phone number of the e-payment account binding；According to the phone number found, by Short Message Service Gateway to phase
The mobile terminal answered sends e-payment verification short message；And
If it is to have read to receive the e-payment verification SM status that the mobile terminal returns within the set duration
Read states；Or the response short message for receiving the confirmation payment that the mobile terminal returns is determined within the set duration, allow
This payment；
If first biological information and second biological information are inconsistent, or if in setting
It is unread status that the e-payment verification SM status that the mobile terminal returns is received in length, or is received described
The response short message for the refusal to pay that mobile terminal returns, 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 electronic payment requests
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 phone number for searching the e-payment account binding, further include：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
The third aspect provides a kind of e-payment confirmation device, including：
First receiving unit, the electronic payment requests for receiving electronic payment devices transmission, the electronic payment requests
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；
Third searching unit, if consistent with second biological information for first biological information,
Then according to the e-payment account, the phone number of the e-payment account binding is searched；
Transmission unit, the terminal iidentification for being found according to the third searching unit, by Short Message Service Gateway to described
Mobile terminal sends e-payment and verifies short message；
Payment processing unit, if the e-payment verification returned for receiving the mobile terminal within the set duration
SM status is read state；Or the confirmation payment for receiving that the mobile terminal returns is determined within the set duration
Short message is responded, this payment is allowed；If first biological information and second biological information are inconsistent,
Or if it is not read shape to receive the e-payment verification SM status that the mobile terminal returns within the set duration
State, or receive the response short message for the refusal to pay that the mobile terminal returns, then refuse this payment.
Optionally, e-payment provided in an embodiment of the present invention confirms device, further includes：
Second 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 electronic payment requests
Also carry the first fingerprint input sequence；And
Described device 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 before the phone number for searching the e-payment account binding, described in determination
First fingerprint input sequence is consistent with the second fingerprint input sequence.
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
State the step described in any e-payment confirmation method.
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 e-payment and confirms
Step described in method.
E-payment confirmation method, device, system and storage medium provided in an embodiment of the present invention, Cloud Server are receiving
When to electronic payment requests, first according to electronic payment devices acquisition payment user biological information to payment user into
Row authentication, if certification passes through, can also according further to the phone number that e-payment account is bound in advance to
Corresponding mobile terminal sends e-payment and verifies short message, if read state becomes having read the short message within the set duration
State or the response short message for receiving the confirmation payment for the short message, then allow to pay, if the short message is being set
Periodically the read state in length is unread state or receives the response short message of the refusal to pay sent for the short message,
Then refuse this payment, to improve the safety of e-payment.
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 structural schematic diagram that system is confirmed according to the mobile payment of embodiment of the present invention；
Fig. 2 is the implementation process diagram according to the binding electronic payment devices of embodiment of the present invention；
Fig. 3 is the e-payment account registered with it according to the biological information of the binding acquisition of embodiment of the present invention
Between correspondence implementation process diagram；
Fig. 4 is the reality for establishing the correspondence between phone number and e-payment account according to embodiment of the present invention
Apply flow diagram；
Fig. 5 is the implementation process diagram according to the e-payment confirmation method of embodiment of the present invention；
Fig. 6 is the structural schematic diagram that device is confirmed according to the e-payment of embodiment of the present invention；
Fig. 7 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific implementation mode
In order to improve the safety of e-payment, an embodiment of the present invention provides a kind of e-payment confirmation method, device,
System and storage medium.
" 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 system structure diagram of its e-payment confirmation method provided for this law embodiment.Payment is used
Family 10 and it is paid for the electronics that user (i.e. businessman user) 20 can respectively by being installed in terminal device 11 and terminal device 21
Payment client terminal logs in Cloud Server 12, wherein client can be to be installed on terminal device, such as mobile phone, in tablet computer etc.
E-payment client.It is communicatively coupled by network between terminal device 11 and terminal device 21 and Cloud Server 12,
The network can be LAN, wide area network or cellular network etc..Terminal device 11 can be portable equipment (such as：Mobile phone is put down
Plate, laptop etc.), or PC (PC, Personal Computer), Cloud Server 12 can be any
The equipment for being capable of providing electronic payment service.
Can also include mobile terminal 31 in the electronic fare payment system provided in the embodiment of the present invention, payment user 10 can be with
Payment affirmation is carried out by mobile terminal 31.
It should be noted that when it is implemented, the mobile terminal 31 and terminal device 11 may be same equipment, it is also possible to
For different equipment.Mobile terminal 31 can be that can install SIM (Subscriber Identity Module, user's identification
Module) or the movement of USIM (Universal Subscriber Identity Module, universal subscriber identity module) set
It is standby, the short message that the Short Message Service Gateway in mobile cellular network system is sent can be received and replied for short message.
Wherein, it pays user 10 and is paid for user 20 and be utilized respectively terminal device 11 and terminal device 21 by being taken to cloud
Be engaged in device 12 registration obtain user name, Cloud Server 12 store after user succeeds in registration user name and with pay user 10
Be used as authentication information with the user password for being paid for the setting of user 20, continuation payment user 10 be paid for user 20 and log on
When Cloud Server 12, Cloud Server 12 returns to login page to client, pays user 10 and is paid for user 20 in client
The login page input authentication information (i.e. user name and user password) of display simultaneously submits to Cloud Server 12, and Cloud Server 12 compares
Whether the authentication information that stores one is shown and determines whether user when submitting authentication information with from user's registration compared with user
It 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
| User name | Device identification | Biological information | E-payment account identification |
| …… | …… | …… | …… |
In addition, payment user also needs to bind the correspondence between the phone number of oneself and e-payment account, use
In carrying out e-payment confirmation, specifically, payment user using the user name of registration after logging in Cloud Server success, Ke Yixiang
Cloud Server request binding phone number, as shown in figure 4, payment user can be established using terminal device 11 according to following below scheme
Correspondence between phone number and e-payment account, includes the following steps：
The phone number bind request that S41, cloud server terminal device are sent.
When it is implemented, payment user can send phone number bind request by terminal device 11 to Cloud Server,
Wherein carry the phone number that need to be bound.
S42, Cloud Server send short message verification code according to phone number.
In this step, Cloud Server sends short message verification code by Short Message Service Gateway according to phone number to the phone number,
Short message verification code can be the random number of string.
S43, Cloud Server compare receiving terminal apparatus return short message verification code and transmission short message verification code whether one
It causes, if unanimously, thening follow the steps S44, if it is inconsistent, executing step S45.
S44, Cloud Server establish the user name and e-payment that the phone number received is currently logged in payment user
Correspondence between account identification and storage, flow terminate.
As shown in table 3, pair between phone number, user name and the e-payment account identification established for Cloud Server
It should be related to signal：
Table 3
| User name | Phone number | E-payment account identification |
When it is implemented, Cloud Server can also merge storage table 2 and table 3, the expression meaning after merging is as shown in table 4：
Table 4
| User name | Device identification | Biological information | E-payment account identification | Phone number |
| …… | …… | …… | …… | …… |
S45, refuse this request.
Based on this, in mobile payment confirmation system provided in an embodiment of the present invention, electronic payment devices 22, for acquiring branch
Pay the first biological information of user；The first biological information carrying of acquisition is sent to institute in electronic payment requests
State Cloud Server；And
Cloud Server 12, for after receiving the electronic payment requests, in pre-stored e-payment account
With in the correspondence of biological information, search the corresponding e-payment account of first biological information；According to institute
E-payment account is stated, searches and is directed to pre-stored second biological information of the e-payment account；Compare described
Whether one biological information and second biological information are consistent；If first biological information and described the
Two biological informations are consistent, then according to the e-payment account, search the phone number of the e-payment account binding；
According to the phone number found, e-payment is sent to corresponding mobile terminal by Short Message Service Gateway and verifies short message；
And if it is to have read shape to receive the e-payment verification SM status that the mobile terminal returns within the set duration
State；Or the response short message for receiving the confirmation payment that the mobile terminal returns is determined within the set duration, allow this
Payment；If first biological information and second biological information are inconsistent, or if in setting duration
It is unread status inside to receive the e-payment verification SM status that the mobile terminal returns, or receives the shifting
The response short message for the refusal to pay that dynamic terminal returns, then refuse this payment；
Mobile terminal 31, for showing that short message is verified in the e-payment received；And by Short Message Service Gateway to described
Cloud Server returns to the read state that short message is verified in the e-payment in the setting duration；Or within the set duration,
According to it is described payment user operation by Short Message Service Gateway to the Cloud Server return confirm payment response short message or
The response short message of refusal to pay.
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.
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 e-payment confirmation methods, as shown in figure 5, can
To include the following steps：
S51, the electronic payment requests that electronic payment devices are sent are received, payment is carried in the electronic payment requests and is used
First biological information at family.
S52, 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.
S53, 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 S54, comparison and second biological information are consistent, if unanimously,
S55 is thened follow the steps, otherwise, executes step S59.
S55, according to the e-payment account, search the phone number of the e-payment account binding.
The phone number that S56, basis are found sends e-payment verification by Short Message Service Gateway to corresponding mobile terminal
Short message.
Whether S57, judgement receive the e-payment verification short message shape that the mobile terminal returns within the set duration
State is read state；Or it determines that the response for receiving the confirmation payment that the mobile terminal returns is short within the set duration and disappears
Otherwise breath, executes step S59 if so, thening follow the steps S58.
S58, this payment, flow is allowed to terminate；
When it is implemented, short if whether receiving the e-payment verification that the mobile terminal returns within the set duration
Message status is read state；Or the sound for receiving the confirmation payment that the mobile terminal returns is determined within the set duration
Short message is answered, then allows this payment.
S59, refuse this payment.
When it is implemented, if first biological information and second biological information are inconsistent, or
If it is unread status to receive the e-payment verification SM status that the mobile terminal returns within the set duration, or
Person receives the response short message for the refusal to pay that the mobile terminal returns, then refuses 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 electronic payment requests
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 phone number for searching the e-payment account binding, further include：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
In e-payment confirmation method provided in an embodiment of the present invention, Cloud Server when receiving electronic payment requests,
Authentication is carried out to payment user according to the characteristic information of the payment user of e-payment acquisition first, if certification passes through,
Then electronics branch can also be sent to corresponding mobile terminal according further to the phone number that e-payment account is bound in advance
Verification short message is paid, if read state becomes read states or receive short to disappear for this short message within the set duration
The response short message of the confirmation payment of breath, then allow to pay, if the read state of the short message within the set duration is not read
State or the response short message for receiving the refusal to pay sent for the short message, then refuse this payment, to improve
The safety of e-payment.
Based on same inventive concept, a kind of e-payment confirmation device is additionally provided in the embodiment of the present invention, due to device
The principle solved the problems, such as is similar to e-payment confirmation method, therefore the implementation of above-mentioned apparatus may refer to the implementation of method, weight
Multiple place repeats no more.
As shown in fig. 6, it confirms the structural schematic diagram of device for e-payment provided in an embodiment of the present invention, including：
First receiving unit 61, the electronic payment requests for receiving electronic payment devices transmission, the e-payment are asked
The first biological information of payment user is carried in asking；
First searching unit 62, 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 63, for according to the e-payment account, searching advance for the e-payment account
Second biological information of storage；
Comparing unit 64, for first biological information and second biological information whether one
It causes；
Third searching unit 65, if for first biological information and second biological information one
It causes, then according to the e-payment account, searches the phone number of the e-payment account binding；
Transmission unit 66, the terminal iidentification for being found according to the third searching unit, by Short Message Service Gateway to institute
It states mobile terminal and sends e-payment verification short message；
Payment processing unit 67, if tested for receiving the e-payment that the mobile terminal returns within the set duration
SM status is demonstrate,proved as read state；Or it determines receive the confirmation payment that the mobile terminal returns within the set duration
Response short message, allow this payment；If first biological information differs with second biological information
It causes, or if it is not read to receive the e-payment verification SM status that the mobile terminal returns within the set duration
State, or receive the response short message for the refusal to pay that the mobile terminal returns, then refuse this payment.
Optionally, e-payment provided in an embodiment of the present invention confirms device, further includes：
Second 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 electronic payment requests
Also carry the first fingerprint input sequence；And
Described device 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 before the phone number for searching the e-payment account binding, described in determination
First fingerprint input sequence is consistent with the second fingerprint input sequence.
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.
After the e-payment confirmation method and device for describing exemplary embodiment of the invention, 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 electricity according to the various illustrative embodiments of the present invention of this specification foregoing description
Step in sub- payment affirmation method.For example, the processor can execute step S51 as shown in Figure 5, receive electronics branch
The electronic payment requests that dispensing apparatus is sent carry the first biological information of payment user in the electronic payment requests.
S52, in the correspondence of pre-stored e-payment account and biological information, search first biological characteristic letter
Cease corresponding e-payment account.S53, according to the e-payment account, lookup is deposited in advance for the e-payment account
Second biological information of storage；First biological information described in S54, comparison and second biological information whether one
It causes, if unanimously, thening follow the steps S55, otherwise, executes step S59.S55, according to the e-payment account, described in lookup
The phone number of e-payment account binding.The phone number that S56, basis are found is moved by Short Message Service Gateway to corresponding
Terminal sends e-payment and verifies short message.Whether S57, judgement receive the electricity that the mobile terminal returns within the set duration
Sub- payment verification SM status is read state；Or it determines receive what the mobile terminal returned within the set duration
Confirm the response short message of payment, if so, thening follow the steps S58, otherwise, executes step S59.S58, allow this payment,
Flow terminates；S59, refuse this payment.
The computing device 70 of this embodiment according to the present invention is described referring to Fig. 7.The calculating dress that Fig. 7 is shown
It is only an example to set 70, should not bring any restrictions to the function and use scope of the embodiment of the present invention.
As shown in fig. 7, computing device 70 is showed in the form of universal computing device.The component of computing device 70 may include
But it is not limited to：Above-mentioned at least one processor 71, above-mentioned at least one processor 72, (including the storage of connection different system component
Device 72 and processor 71) bus 73.
Bus 73 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 72 may include the readable medium of form of volatile memory, such as random access memory (RAM) 721
And/or cache memory 722, it can further include read-only memory (ROM) 723.
Memory 72 can also include program/utility 725 with one group of (at least one) program module 724, this
The program module 724 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 70 can also be communicated with one or more external equipments 74 (such as keyboard, sensing equipment etc.), may be used also
Enable a user to the equipment interacted with computing device 70 communication with one or more, and/or with enable the computing device 70
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 75.Also, computing device 70 can also pass through network adapter 76
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 76 is communicated by bus 73 with other modules for computing device 70.It will be appreciated that though figure
In be not shown, can in conjunction with computing device 70 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, the various aspects of e-payment confirmation method provided by the invention can also be real
It is now a kind of form of program product comprising program code, it is described when described program product is run on a computing device
Program code be used to make the computer equipment execute this specification foregoing description according to the various exemplary embodiment party of the present invention
Step in the e-payment confirmation method of formula, for example, the computer equipment can execute step S51 as shown in Figure 5,
The electronic payment requests that electronic payment devices are sent are received, the first biology of payment user is carried in the electronic payment requests
Characteristic information.S52, in the correspondence of pre-stored e-payment account and biological information, search described first
The corresponding e-payment account of biological information.S53, according to the e-payment account, search and be directed to the e-payment
Pre-stored second biological information of account；First biological information described in S54, comparison and second biological characteristic
Whether information is consistent, if unanimously, thening follow the steps S55, otherwise, executes step S59.S55, according to the e-payment account
The phone number of the e-payment account binding is searched at family.S56, according to the phone number that finds, by Short Message Service Gateway to
Corresponding mobile terminal sends e-payment and verifies short message.Whether S57, judgement receive described mobile whole within the set duration
The e-payment verification SM status that end returns is read state；Or determination receives the movement within the set duration
Otherwise the response short message for the confirmation payment that terminal returns, executes step S59 if so, thening follow the steps S58.S58, permission
This payment, flow terminate；S59, refuse this payment.
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.
It is read-only that portable compact disc may be used in the program product of embodiments of the present invention confirmed for e-payment
Memory (CD-ROM) and include program code, and can run on the computing device.However, the program product of the present invention is unlimited
In this, in this document, readable storage medium storing program for executing, which can be any, includes or the tangible medium of storage program, which can be referred to
Enable the either device use or in connection of execution system, device.
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 e-payment confirms system, which is characterized in that including：
Electronic payment devices, the first biological information for acquiring payment user；By the first biological information of acquisition
Carrying is sent to the Cloud Server in electronic payment requests；And
Cloud Server, for after receiving the electronic payment requests, in pre-stored e-payment account and biology
In the correspondence of characteristic information, the corresponding e-payment account of first biological information is searched；According to the electronics
Payment account is searched and is directed to pre-stored second biological information of the e-payment account；Compare first biology
Whether characteristic information and second biological information are consistent；If first biological information and second biology
Characteristic information is consistent, then according to the e-payment account, searches the phone number of the e-payment account binding；According to looking into
The phone number found sends e-payment to corresponding mobile terminal by Short Message Service Gateway and verifies short message；And such as
It is read state that fruit receives the e-payment verification SM status that the mobile terminal returns within the set duration；Or
The response short message for receiving the confirmation payment that the mobile terminal returns is determined within the set duration, allows this payment；Such as
First biological information described in fruit and second biological information are inconsistent, or if receive within the set duration
The e-payment verification SM status that the mobile terminal returns is unread status, or receives the mobile terminal and return
The response short message for the refusal to pay returned, then refuse this payment；
Mobile terminal, for showing that short message is verified in the e-payment received；And by Short Message Service Gateway to the cloud service
Device returns to the read state that short message is verified in the e-payment in the setting duration；Or within the set duration, according to institute
The operation for stating payment user returns to the response short message or refusal branch for confirming payment by Short Message Service Gateway to the Cloud Server
The response short message paid.
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 electronic payment requests；And
The Cloud Server is additionally operable to according to the e-payment account, and lookup is deposited in advance for the e-payment account
While second biological information of storage, according to the e-payment account, search advance for the e-payment account
Second fingerprint input sequence of storage；And according to the e-payment account, search the e-payment account binding
Before phone number, determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
5. a kind of e-payment confirmation method, which is characterized in that including：
The electronic payment requests that electronic payment devices are sent are received, the first of payment user is carried in the electronic payment requests
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, according to the e-payment account
The phone number of the e-payment account binding is searched at family；According to the phone number found, by Short Message Service Gateway to corresponding
Mobile terminal send e-payment verify short message；And
If it is to have read shape to receive the e-payment verification SM status that the mobile terminal returns within the set duration
State；Or the response short message for receiving the confirmation payment that the mobile terminal returns is determined within the set duration, allow this
Payment；
If first biological information and second biological information are inconsistent, or if within the set duration
It is unread status to receive the e-payment verification SM status that the mobile terminal returns, or receives the movement
The response short message for the refusal to pay that terminal returns, 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 electronic payment requests；And
According to the e-payment account, searches and be directed to pre-stored second biological information of the e-payment account
While, 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 phone number for searching the e-payment account binding, further include：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
9. a kind of e-payment confirms device, which is characterized in that including：
First receiving unit, the electronic payment requests for receiving electronic payment devices transmission are taken in the electronic payment requests
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；
Third searching unit, if consistent with second biological information for first biological information, root
According to the e-payment account, the phone number of the e-payment account binding is searched；
Transmission unit, the terminal iidentification for being found according to the third searching unit, by Short Message Service Gateway to the movement
Terminal sends e-payment and verifies short message；
Payment processing unit, if verifying short disappear for receiving the e-payment that the mobile terminal returns within the set duration
Breath state is read state；Or the response for receiving the confirmation payment that the mobile terminal returns is determined within the set duration
Short message allows this payment；If first biological information and second biological information are inconsistent, or
If it is unread status to receive the e-payment verification SM status that the mobile terminal returns within the set duration, or
Person receives the response short message for the refusal to pay that the mobile terminal returns, then refuses this payment.
10. device as claimed in claim 9, which is characterized in that further include：
Second 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 electronic payment requests；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 before the phone number for searching the e-payment account binding, determines described 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.
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Application publication date: 20181106 |