CN108764927A

CN108764927A - A kind of payment verification method, server and terminal

Info

Publication number: CN108764927A
Application number: CN201810552630.8A
Authority: CN
Inventors: 丁凌芸
Original assignee: Vivo Mobile Communication Co Ltd
Current assignee: Vivo Mobile Communication Co Ltd
Priority date: 2018-05-31
Filing date: 2018-05-31
Publication date: 2018-11-06

Abstract

The embodiment of the invention discloses a kind of payment verification method, server and terminals, are related to field of communication technology, and to solve when using joint account payment, more people use the mode of identical password authentication, the problem for causing the financing security of joint account relatively low.Method includes：The payment request that first terminal is sent is received, which includes payment account and verification mode information；According to the verification mode information, the second verification information of the first verification information and second user of the first user is obtained, which is the joint account of first user and the second user；It verifies whether first verification information meets the first presupposed information, and verifies whether second verification information meets the second presupposed information, first presupposed information and second presupposed information are the presupposed information preserved in the server.Scheme is applied particularly in the scene of e-sourcing payment.

Description

A kind of payment verification method, server and terminal

Technical field

The present embodiments relate to a kind of field of communication technology more particularly to payment verification method, server and terminals.

Background technology

With the continuous development of terminal technology, payment class in terminal is using more and more, and compared to paying in cash, User also increasingly tends to pay by paying class application.In the prior art, it is paid by paying class application In the process, it usually needs using certain verification mode come the legitimacy of validation of payment.Common verification mode has password authentication, people Face identification verification and fingerprint recognition verification etc..

With the diversification of live and work mode, multiple users, which are the shared fund of supervision and management, can be arranged one altogether Same account, currently, when using joint account payment, usually more people carry out the legitimacy of validation of payment using identical password.

However, when using joint account payment, if more people use identical password authentication, since the password is known by more people Know and use, therefore the safety of the password can be reduced, to reduce the financing security of joint account.

Invention content

A kind of payment verification method of offer of the embodiment of the present invention, server and terminal, to solve using joint account branch Fu Shi, more people use the mode of identical password authentication, the problem for causing the financing security of joint account relatively low.

In order to solve the above-mentioned technical problem, the invention is realized in this way：

In a first aspect, an embodiment of the present invention provides a kind of payment verification method, it is applied to server, this method includes：

The payment request that first terminal is sent is received, which includes payment account and verification mode information；

According to the verification mode information, the first verification information of the first user and the second verification letter of second user are obtained Breath, the payment account are the joint account of first user and the second user；

It verifies whether first verification information meets the first presupposed information, and verifies whether second verification information meets Two presupposed informations, first presupposed information and second presupposed information are the presupposed information preserved in the server.

Second aspect, an embodiment of the present invention provides a kind of payment verification method, this method includes：

Payment request is sent to server, which includes payment account and verification mode information, the authentication Formula information is used to indicate the side that the server obtains the first verification information of the first user and the second verification information of second user Formula, the payment account are the joint account of first user and the second user；

The first instruction message of server transmission is received, which is used to indicate first terminal and shows first Verify interface, which for first user inputs first verification information and the second user input this second Verification information；

Second verification information of first first verification information input by user and second user input is received, and First verification information and second verification information are sent to the server, wherein first verification information and second verification Whether information meets the first presupposed information for the server authentication first verification information, and verifies second verification information and be No to meet the second presupposed information, first presupposed information and second presupposed information are the presupposed information preserved in the server.

The third aspect, an embodiment of the present invention provides a kind of payment verification method, this method includes：

The first instruction message of server transmission is received, which is used to indicate first terminal and shows first Interface is verified, which inputs first verification information for first user；

First first verification information input by user is received, and first verification information is sent to the server；

In the case where the server determines that first verification information meets the first presupposed information, server transmission is received The second instruction message, second instruction message be used to indicate the first terminal show second verification interface, this second verification circle Face inputs second verification information for the second user, which is the presupposed information preserved in the server；

Second verification information of second user input is received, and second verification information is sent to the server, In, whether which meets the second presupposed information for the server authentication second verification information, this is second pre- If information is the presupposed information preserved in the server.

Fourth aspect, an embodiment of the present invention provides a kind of servers, including：Receiving module, acquisition module and verification mould Block；

The receiving module, the payment request for receiving first terminal transmission, the payment request include payment account with Verification mode information；

The acquisition module, for according to the verification mode information, the first verification information and second that obtain the first user to be used Second verification information at family, the payment account are the joint account of first user and the second user；

Whether the authentication module, first verification information for verifying acquisition module acquisition meet the first default letter Breath, and verify the acquisition module acquisition second verification information whether meet the second presupposed information, first presupposed information and Second presupposed information is the presupposed information preserved in the server.

5th aspect an embodiment of the present invention provides a kind of server, including processor, memory and is stored in the storage On device and the computer program that can run on the processor, the such as the firstth is realized when which is executed by the processor The step of payment verification method in aspect.

6th aspect, an embodiment of the present invention provides a kind of terminals, including：Sending module and receiving module；

The sending module, for sending payment request to server, which includes payment account and authentication Formula information, the verification mode information be used to indicate the server obtain the first user the first verification information and second user the The mode of two verification informations, the payment account are the joint account of first user and the second user；

The receiving module, the first instruction message for receiving server transmission, first instruction message are used to indicate First terminal shows the first verification interface, the first verification interface for first user input first verification information with this Two users input second verification information；Receive first first verification information input by user and second user input Second verification information, the sending module are additionally operable to send first verification information that the receiving module receives to the server With second verification information, wherein this first is tested for the server authentication for first verification information and second verification information Whether card information meets the first presupposed information, and verifies whether second verification information meets the second presupposed information, this is first pre- If information and second presupposed information are the presupposed information preserved in the server.

7th aspect, an embodiment of the present invention provides a kind of terminals, including：Sending module and receiving module；

The receiving module, the first instruction message for receiving server transmission, first instruction message are used to indicate First terminal shows the first verification interface, which inputs first verification information for first user；And it connects Receive first first verification information input by user, which is additionally operable to send the receiving module to the server and connects First verification information received；

In the case where the server determines that first verification information meets the first presupposed information, which also uses In the second instruction message for receiving server transmission, which is used to indicate the first terminal and shows the second verification Interface, the second verification interface input second verification information for the second user, which is the server The presupposed information of middle preservation；And second verification information of second user input is received, which is additionally operable to the clothes Business device sends second verification information of receiving module reception, wherein second verification information should for the server authentication Whether the second verification information meets the second presupposed information, which is the presupposed information preserved in the server.

Eighth aspect an embodiment of the present invention provides a kind of terminal, including processor, memory and is stored in the memory Computer program that is upper and can running on the processor, realizes such as second aspect when which is executed by the processor Or the step of payment verification method in the third aspect.

9th aspect, an embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage mediums Computer program is stored in matter, is realized such as the payment verification method in first aspect when which is executed by processor Step；Or the step of realizing the payment verification method in such as second aspect or the third aspect.

Tenth aspect, an embodiment of the present invention provides a kind of payment systems, including：Server and terminal；

The server includes server as described in fourth aspect or the server as described in terms of the 7th；

The terminal includes the terminal as described in terms of the 5th or in terms of the 6th or the terminal as described in eighth aspect.

In embodiments of the present invention, the payment request that first terminal is sent is received, which includes payment account With verification mode information；According to the verification mode information, the first verification information of the first user of acquisition and the second of second user Verification information, the payment account are the joint account of first user and the second user；Whether verify first verification information Meet the first presupposed information, and verify whether second verification information meets the second presupposed information, first presupposed information and should Second presupposed information is the presupposed information preserved in the server.In this scenario, due to the payment request for joint account, Need to obtain the verification information of multiple users of the joint account, and by the verification information of multiple users respectively with it is corresponding default Information is verified.In the case of corresponding with corresponding presupposed information when the verification information of multiple users, it is likely to make It completes this time to pay with the joint account.Compared with prior art, the program needs to verify the verification of multiple users of joint account Information strengthens the safety of payment to a certain extent, improves the financing security of joint account, solves using altogether When with bill payment, more people use the mode of identical password authentication, the problem for causing the financing security of joint account relatively low.

Description of the drawings

Fig. 1 is the configuration diagram of payment system provided in an embodiment of the present invention；

Fig. 2 is the configuration diagram of the Android operation system of terminal provided in an embodiment of the present invention；

Fig. 3 (a) is one of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 3 (b) is the two of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 3 (c) is the three of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 4 is one of the schematic diagram at interface of payment verification method provided in an embodiment of the present invention；

Fig. 5 (a) is the four of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 5 (b) is the five of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 6 is the two of the schematic diagram at the interface of payment verification method provided in an embodiment of the present invention；

Fig. 7 (a) is the six of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 7 (b) is the seven of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 8 (a) is the eight of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 8 (b) is the nine of the flow chart of payment verification method provided in an embodiment of the present invention；

Fig. 9 is the structural schematic diagram of server provided in an embodiment of the present invention；

Figure 10 is the hardware schematic of server provided in an embodiment of the present invention；

Figure 11 is the structural schematic diagram of terminal provided in an embodiment of the present invention；

Figure 12 is the hardware schematic of terminal provided in an embodiment of the present invention.

Specific implementation mode

Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation describes, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair Embodiment in bright, the every other implementation that those of ordinary skill in the art are obtained without creative efforts Example, shall fall within the protection scope of the present invention.

Term " first ", " second ", " third " and " the 4th " in description and claims of this specification etc. is to use In the different object of difference, rather than for the particular order of description object.For example, the first instruction message, the second instruction message, Third instruction message and the 4th instruction message etc. are for distinguishing different instruction messages, rather than for describing instruction message Particular order.

In embodiments of the present invention, " illustrative " or " such as " etc. words for indicate make example, illustration or explanation.This Be described as in inventive embodiments " illustrative " or " such as " any embodiment or design scheme be not necessarily to be construed as comparing Other embodiments or design scheme more preferably or more advantage.Specifically, use " illustrative " or " such as " etc. words purport Related notion is being presented in specific ways.

In the description of the embodiment of the present invention, unless otherwise indicated, the meaning of " plurality " is refer to two or more, For example, multiple processing units refer to two or more processing unit；Multiple element refers to two or more Element etc..

A kind of payment verification method of offer of the embodiment of the present invention, server and terminal receive the payment that first terminal is sent Request, which includes payment account and verification mode information；According to the verification mode information, obtain the first user's Second verification information of the first verification information and second user, the payment account are the common of first user and the second user Account；It verifies whether first verification information meets the first presupposed information, and verifies whether second verification information meets second Presupposed information, first presupposed information and second presupposed information are the presupposed information preserved in the server.In this scenario, Due to the payment request for joint account, the verification information for the multiple users for obtaining the joint account is needed, and by multiple use The verification information at family is verified with corresponding presupposed information respectively.To which the verification information as multiple users corresponds with correspondence Presupposed information in the case of, be likely to using the joint account complete this time pay.Compared with prior art, program needs are tested The verification information for demonstrate,proving multiple users of joint account, strengthens the safety of payment, improves joint account to a certain extent Financing security, solve when using joint account payment, more people use the mode of identical password authentication, cause common The relatively low problem of the financing security of account.

As shown in Figure 1, being a kind of configuration diagram of possible payment system provided in an embodiment of the present invention.The system packet Include multiple terminals (terminal 1, terminal 2, terminal 3 ...) and server；In Fig. 1 with terminal be mobile phone be exemplify.

Wherein, each terminal can be asked by the wireless communication link road direction server transmission data established between server Ask (including payment request, setting request etc.), server receive terminal transmission request of data after can by with multiple ends The data of request are sent to multiple terminals by the wireless communication link established between end.That is, in embodiments of the present invention, Yong Huke Payment services are asked with using terminal, and server is for providing payment services.

Terminal in the embodiment of the present invention can be the terminal with operating system.The operating system can be Android (Android) operating system can be ios operating systems, can also be other possible operating systems, the embodiment of the present invention is not Make specific limit.

Below by taking Android operation system as an example, introduce what payment verification method provided in an embodiment of the present invention was applied Software environment.

As shown in Fig. 2, being a kind of configuration diagram of possible Android operation system provided in an embodiment of the present invention.Scheming In 2, the framework of Android operation system includes 4 layers, respectively：Application layer, application framework layer, system operation library layer and Inner nuclear layer (is specifically as follows Linux inner core).

Wherein, application layer includes each application program (including system application and in Android operation system Tripartite's application program).

Application framework layer is the frame of application program, and developer can be in the exploitation of the frame in accordance with application program In the case of principle, some application programs are developed based on application framework layer.

System operation library layer includes library (also referred to as system library) and Android operation system running environment.Library is mainly Android behaviour All kinds of resources needed for it are provided as system.Android operation system running environment is used to provide software loop for Android operation system Border.

Inner nuclear layer is the operating system layer of Android operation system, belongs to the bottom of Android operation system software level.It is interior Stratum nucleare provides core system service and hardware-related driver based on linux kernel for Android operation system.

By taking Android operation system as an example, in the embodiment of the present invention, developer can be based on above-mentioned Android as shown in Figure 2 The software program of payment verification method provided in an embodiment of the present invention is realized in the system architecture of operating system, exploitation, so that The payment verification method can be run based on Android operation system as shown in Figure 2.I.e. processor or terminal can by The software program is run in Android operation system realizes payment verification method provided in an embodiment of the present invention.

Terminal in the embodiment of the present invention can be can be mobile phone, tablet computer, laptop, palm PC, vehicle Mounted terminal, wearable device, Ultra-Mobile PC (ultra-mobile personal computer, UMPC), on This or personal digital assistant (personal digital assistant, PDA) etc. are netted, the embodiment of the present invention does not limit specifically It is fixed.

It should be noted that：Second user can be a user, can also be multiple users.Illustratively, if second User is a user, then the second verification information is the verification information of second user；If second user is multiple users, second Verification information can be two in this multiple user and the verification information of two or more user.Specifically, if second user is more A user, and this multiple user and the first user identical to the administration authority of joint account (such as couple, three partners Deng), then the second verification information is the verification information of each user in this multiple user；If second user is multiple users, and this Only have certain customers and the first user in multiple users has administration authority (such as three conjunctions in five partners to joint account Partner people), then the second verification information is the verification information of each user in this certain customers.Specifically it is set according to actual conditions, The embodiment of the present invention is not construed as limiting.In embodiments of the present invention, example illustrates so that second user is a user as an example below.

It should be noted that：First terminal is the terminal for sending payment request, is the terminal of the first user, and second terminal is The terminal of second user in addition to the first user.

It should be noted that：In embodiments of the present invention, server receive first terminal send payment request after, The method for obtaining the first verification information of the first user and the second verification information of second user, at least following four realization side Formula.

The first realization method：The server obtains first verification information and second verification from the first terminal simultaneously Information, that is, require first user and the second user inputted simultaneously in the first terminal first verification information with this second Verification information.This realization method can reduce operating procedure, improve payment efficiency.

Second of realization method：The server first obtains first verification information and the second verification letter from the first terminal One in breath, and in the case that the verification information formerly obtained is proved to be successful, then obtain first verification information and this second Another in verification information requires the first user and second user successively to input first verification information and second verification Information.This realization method can reduce the several of user information leakage to a certain extent compared to the first realization method Rate improves the safety of joint account.

The third realization method：The server obtains first verification information from first terminal, while being obtained from second terminal Second verification information is taken, that is, requires the first user to input the first verification information in first terminal, and second user exists simultaneously The second verification information is inputted in second terminal.This realization method can reduce operating procedure, improve payment efficiency.

4th kind of realization method：The server obtains first verification information from first terminal, and in the first verification information In the case of being proved to be successful, then from second terminal second verification information is obtained, that is, requires the first user first in first terminal The first verification information is inputted, under the premise of the first verification information is proved to be successful, then requires second user defeated in second terminal Enter the second verification information.This realization method can reduce user information to a certain extent compared to the third realization method The probability of leakage improves the safety of joint account.

Wherein, the verification mode information of the first realization method and second of realization method is to be tested by the first terminal The verification mode information of card, the third realization method and the 4th kind of realization method is to be tested by the first terminal and second terminal Card.

Specifically, being set according to actual demand using which kind of realization method to realize, the embodiment of the present invention is not construed as limiting.Under Face illustratively illustrates four kinds of above-mentioned realization methods by taking embodiment one to example IV as an example.

Embodiment one

With reference to shown in figure 3 (a), an embodiment of the present invention provides a kind of payment verification method, this method is to above-mentioned the A kind of illustrative explanation of realization method, verification mode information are to be verified by the first terminal.Under this method may include The step 101- steps 108 stated.

Step 101, first terminal send payment request to server.

Payment account and verification mode information are included at least in the payment request, which is used to indicate the clothes Device of being engaged in obtains the mode of the first verification information of the first user and the second verification information of second user, the payment account be this The joint account of one user and the second user.Payment account can be specifically the account of the payment account, can also be other It can indicate the information of the payment account, you can be the various forms of contents for directly or indirectly indicating payment account, the present invention Embodiment is not construed as limiting.Can also include the place of payment in the payment request, payment purposes etc., the place of payment is user at what The payment request that place is initiated, payment purposes are that the payment is used for what to be bought, so as to multiple users belonging to joint account (the first user and second user) knows the use details of the payment.

Verification mode information is to be verified by the first terminal, that is, uses same portion's terminal authentication, it may also be said to be same machine It is verified with frame.If affiliated the first user and second user of joint account often in same place, such as lives together or work Make etc., then in order to reduce operating procedure, payment efficiency is improved, verification mode information of the same machine with frame can be selected.

Payment request is that the first user has input payment account and verification mode information etc. in payment interface, and clicks true Recognize what payment was sent out later.

Illustratively, when the first user buys article, if the payment account that user selects is joint account, in user After having selected joint account to pay, into before joint account payment interface, in order to ensure the safety of joint account payment, Display target verifies interface in the current interface of first terminal, which inputs for the first user for verifying Password or action gesture for verification.First terminal receives the first password input by user or action gesture, and verifying should Password meets preset password or in the case that the action gesture meets default action gesture, shows payment interface.First user exists The payment interface has input payment account and verification mode information etc., and after clicking and confirming payment, and first terminal is to server Send payment request.

It should be noted that：Payment request can be the terminal of any one user in multiple users belonging to payment account It sends, the embodiment of the present invention is not construed as limiting.In embodiments of the present invention, by the first terminal of the first user transmission for into The illustrative explanation of row.

Step 102, server receive the payment request that first terminal is sent.

Payment account and verification mode information are included at least in the payment request.It can also include payment in the payment request Place, payment purposes etc..Specific description can refer to the associated description of step 101, and details are not described herein again.

Step 103, server send the first instruction message to the first terminal.

First instruction message is used to indicate first terminal display verification interface, which is used for first user It inputs first verification information and the second user inputs second verification information.

Optionally, server generates first and refers to according to payment account and the information such as verification mode information in payment request Show message, and first instruction message is sent to the first terminal.

Step 104, first terminal receive the first instruction message of server transmission.

First instruction message is used to indicate the first terminal and shows the first verification interface, and the first verification interface is for being somebody's turn to do First user inputs first verification information and the second user inputs second verification information.

In embodiments of the present invention, verification information can be the target biometric information of user, such as the face of user At least one of characteristic information, iris feature information, retinal feature information, fingerprint feature information, hand-shaped characteristic information etc.； Or the password information (commonly referred to as encrypted message) of user setting, password information can be string number, a string of characters (at least one of punctuation mark, letter, emoticon etc.) can also be that number and character combine.It will be appreciated, of course, that real In the application of border, which can also be other verification informations arbitrarily met the actual needs, and the embodiment of the present invention is not It is construed as limiting.

In embodiments of the present invention, the first verification information and the second verification information can be same kind of verification informations, Can also be different types of verification information, such as the first verification information and the second verification information can all be the face spies of user Reference ceases；Can also the first verification information be user face feature information, the second verification information be user iris feature letter Breath；Can also the first verification information be user fingerprint feature information, the second verification information is the password information of user setting, One verification information and the second verification information can also be other arbitrary verification informations, specifically in user setting transaction verification It when information, is set according to user's self-demand, the embodiment of the present invention is not construed as limiting.

Illustratively, it if the first verification information and the second verification information are all password information, is somebody's turn to do when first terminal receives After the first instruction message that server is sent, shows and verify interface shown in (a) in Fig. 4.If the first verification information is to use The fingerprint feature information at family, the second verification information are all password information, then when first terminal receives the first of server transmission After instruction message, shows and verify interface shown in (b) in Fig. 4.

Step 105, first terminal receive first first verification information input by user and the second user input Second verification information.

Corresponding, in the embodiment of the present invention, terminal can obtain the target organism of user by biometrics identification technology Characteristic information.Wherein, the biometrics identification technology in the embodiment of the present invention can be facial recognition techniques, iris recognition skill At least one of art, retina identification technology, fingerprint identification technology, palm geometry identification technology etc..Of course, it is possible to manage It solves, in practical application, the biometrics identification technology in the embodiment of the present invention can also be that other arbitrary satisfactions actually use need The biometrics identification technology asked, the embodiment of the present invention are not construed as limiting.

Illustratively, it is illustrated so that target biometric information is face feature information as an example.Terminal obtains user's The concrete mode of target biometric information can be：Terminal can shoot photo by the front camera in terminal.If User is located within the coverage of the front camera, then terminal can by the front camera shoot photo, and from The portrait of the user is detected in an at least photo for shooting, then the portrait of the user is separated from background.Then, Terminal can get face feature information (the i.e. mesh of the user according to preset face recognition algorithm from the portrait isolated Mark biological information).

The specific method for obtaining verification information refers to existing the relevant technologies, and the embodiment of the present invention is not construed as limiting.

Illustratively, in the verification interface of (a) in such as Fig. 4 or (b) in Fig. 4 display, first terminal receive this Second verification information of one first verification information input by user and second user input.

Step 106, first terminal send first verification information and second verification information to the server.

Step 107, server receive first verification information and second verification information of first terminal transmission.

Whether step 108, server authentication first verification information meet the first presupposed information, and verify second verification Whether information meets second presupposed information.

Optionally, can be to match first verification information with the first presupposed information, by second verification information It is matched with the second presupposed information.First presupposed information and second presupposed information are the default letter preserved in the server Breath.

Optionally, if verification information is target biometric information, in the embodiment of the present invention, target biometric information symbol It refers to that the target biometric information is identical with the default biological information to close and preset biological information.Alternatively, target is given birth to Object characteristic information meets the phase that default biological information refers to the target biometric information and the default biological information It is more than or equal to predetermined threshold value like degree.For example, the predetermined threshold value can be 95%, i.e., if the target biometric information and The similarity of the default biological information is more than or equal to 95%, then the target biometric information meets default biology Characteristic information.

Meet the first presupposed information if verification result is first verification information, and second verification information meets second in advance If information, then following step 109- steps 110 are executed；Otherwise it according to above-mentioned step 103- steps 107, reacquires and tests Demonstrate,prove first verification information and second verification information.

It should be noted that：In specific implementation process, if the number that setting is obtained and verified takes after multiple authentication failure Device be engaged in ensure the safety of account, preset a period of time will be locked to the payment function of joint account, and can pass through Notification message notifies user terminal.And entire payment process (such as in 5 minutes) must be completed within a preset period of time, otherwise Think payment failure.

Illustratively, in conjunction with Fig. 3 (a), as shown in Fig. 3 (b), after the step 108, branch provided in an embodiment of the present invention It can also includes following step 109- steps 110 to pay verification method.

The payment amount is transferred to the target account by step 109, server from the payment account, and to the first terminal Send Target indication message.

Further include payment amount and target account in the payment request, during payment amount is this time paid, payment account needs The quantity for the e-sourcing to be paid to target account.E-sourcing can be fund, can also be stock, bond etc., also may be used To be other, the embodiment of the present invention is not construed as limiting.Target account can be specifically the account of target account, can also be other The information that can indicate the target account, you can be directly or indirectly to indicate the various forms of contents of target account, this hair Bright embodiment is not construed as limiting.

Meet the first presupposed information in first verification information, and second verification information meets the feelings of the second presupposed information Under condition, optionally, which is transferred to the target account by server from the payment account, generates Target indication message, Or server obtains Target indication message from its memory module, and send the Target indication message to the first terminal.The mesh Mark instruction message is used to indicate payment account success and pays the payment amount to the target account.

Illustratively, if server generates Target indication message, Target indication message can be " paying successfully ", " branch Pay and complete ", " the xx amount of money pay successfully ", " the xx amount of money be used for pay xx pay successfully ", " xx payment accounts are successfully to target account Payment xx amount of money " etc. can illustrate to pay successful message, and the embodiment of the present invention is not construed as limiting.If server is from its memory module Target indication message is obtained, then Target indication message is the Target indication message to prestore, can be " paying successfully ", " pay At " etc. it is preset, can illustrate to pay successfully, but do not show the message of the information such as payment account, payment amount, payment purposes, this Inventive embodiments are not construed as limiting.

Step 110, first terminal receive the Target indication message of server transmission.

Determine that first verification information meets the first presupposed information in the server, and second verification information meets second In the case of presupposed information, the Target indication message of server transmission is received, which is used to indicate the payment Account success pays the payment amount to target account.

Specific description can refer to the associated description of step 109, and the embodiment of the present invention is not construed as limiting.

Above-mentioned realization method can reduce operating procedure, improve payment efficiency.

Illustratively, in conjunction with Fig. 3 (b), as shown in Fig. 3 (c), before step 101, payment provided in an embodiment of the present invention Verification method can also include following step 111- steps 116：

Step 111, first terminal send setting request to server.

Be arranged request for ask setting the payment account transaction verification information, the transaction verification information include this first Presupposed information and second presupposed information, wherein for first presupposed information for verifying first verification information, this is second default Information is for verifying second verification information.

Optionally, first terminal generates setting request according to the information of the input of user, and sends setting to server and ask It asks, transaction verification information is arranged.The information of the input of user may include payment account information, the letters such as verification mode information Breath, the embodiment of the present invention are not construed as limiting.

Step 112, server receive the setting request of first terminal transmission.

Be arranged request for ask setting the payment account transaction verification information, the transaction verification information include this first Presupposed information and second presupposed information.

Specific description can refer to the associated description of step 111, and the embodiment of the present invention is not construed as limiting.

Step 113, server send third instruction message to the first terminal, and send the 4th instruction to the second terminal Message.

The third instruction message is used to indicate the first terminal and shows the first setting interface, which is used for First user inputs first presupposed information, and the 4th instruction message is used to indicate the second terminal and shows the second setting circle Face, the second setting interface input second presupposed information for the second user.

Optionally, server is asked according to setting, generates third instruction message and the 4th instruction message, and first eventually to this End sends third instruction message, and sends the 4th instruction message to the second terminal.

Step 114a, first terminal receives the third instruction message that server is sent.

Step 115a, first terminal receives the first first presupposed information input by user, and first presupposed information is sent out Give server.

Associated description in step 104 to verification information can be referred to the description of presupposed information, details are not described herein again.

Step 114b, second terminal receives the 4th instruction message that server is sent.

Step 115b, second terminal receives the second presupposed information of second user input, and second presupposed information is sent out Give server.

Step 116a, server receives first presupposed information of first terminal transmission.

Step 116b, server receives second presupposed information of second terminal transmission.

Without successively between above-mentioned steps 114a, step 114b, step 115a, step 115b, step 116a, step 116b Sequence is executed, can be executed in any order, the embodiment of the present invention is not construed as limiting.

First presupposed information and second presupposed information are saved as the transaction of the payment account by step 117, server Verification information.

Illustratively, first presupposed information and second presupposed information are saved as the transaction of the payment account by server Verification information, in order to belonging to the payment account the first user or second user initiate payment request when, for verifying first Verification information and the second verification information.

An embodiment of the present invention provides a kind of payment verification methods, in this scenario, due to the payment for joint account Request, needs the verification information for the multiple users for obtaining the joint account, and by the verification information of multiple users respectively with it is corresponding Presupposed information verified.In the case of corresponding with corresponding presupposed information when the verification information of multiple users, The joint account may be used to complete this time to pay.Compared with prior art, the program needs to verify multiple users of joint account Verification information, strengthen the safety of payment to a certain extent, improve the financing security of joint account, solve When being paid using joint account, more people use the mode of identical password authentication, cause the financing security of joint account relatively low The problem of.

Embodiment two

With reference to shown in figure 5 (a), an embodiment of the present invention provides a kind of payment verification method, this method is to above-mentioned the The illustrative explanation of two kinds of realization methods, verification mode information are to be verified by the first terminal.Under this method may include The step 201- steps 214 stated.

Step 201, first terminal send payment request to server.

Payment account and verification mode information are included at least in the payment request, which is used to indicate the clothes Device of being engaged in obtains the mode of the first verification information of the first user and the second verification information of second user, the payment account be this The joint account of one user and the second user.

Specific description can refer to the associated description of step 101 in above-described embodiment one, and details are not described herein again.

Step 202, server receive the payment request that first terminal is sent.

Payment account and verification mode information are included at least in the payment request.

Step 203, server send the first instruction message to the first terminal.

First instruction message is used to indicate the first terminal and shows the first verification interface, and the first verification interface is for being somebody's turn to do First user inputs first verification information.

The first verification interface is only used for first user and inputs first verification information in this step.Specific description can With the associated description with reference to step 103 in above-described embodiment one, details are not described herein again.

Step 204, first terminal receive the first instruction message of server transmission.

The first verification interface is only used for first user and inputs first verification information in this step.Specific description can With the associated description with reference to step 104 in above-described embodiment one, details are not described herein again.

First verification interface can show the related prompt message of " asking first user's validation information ", can not also show Show that the prompt message, the embodiment of the present invention are not construed as limiting.If the first verification interface does not show the prompt message, elder generation can be given tacit consent to The verification information of the first user is inputted, then inputs the verification information of second user；Or it can first input any one user's Verification information, then input the verification information of another user；The embodiment of the present invention is not construed as limiting.

Illustratively, if the first verification information is password information, when first terminal receives the first of server transmission After instruction message, shows and verify interface shown in (a) in Fig. 6.If the first verification information is the fingerprint feature information of user, Then after first terminal receives the first instruction message of server transmission, shows and verify interface shown in (b) in Fig. 6.

Step 205, first terminal receive first first verification information input by user.

Specific description can refer to the associated description of step 105 in above-described embodiment one, and details are not described herein again.

Step 206, first terminal send first verification information to the server.

Step 207, server receive first verification information of first terminal transmission.

Whether step 208 (optional), server authentication first verification information meet the first presupposed information.

Optionally, can be to match first verification information with the first presupposed information.First presupposed information is The presupposed information preserved in the server.

The associated description of step 108 in above-described embodiment one can be referred to by meeting verification information the description of presupposed information, Details are not described herein again.

If verification result, which is first verification information, meets the first presupposed information, following step 209- steps are executed 214；Otherwise it according to above-mentioned step 203- steps 207, reacquires and verifies first verification information.

It should be noted that：In specific implementation process, if the number that setting is obtained and verified takes after multiple authentication failure Device be engaged in ensure the safety of account, preset a period of time will be locked to the payment function of joint account, and can pass through Notification message notifies user terminal.

Step 209, server send the second instruction message to the first terminal.

In the case where first verification information meets first presupposed information, sends the second instruction to the first terminal and disappear Breath, second instruction message be used to indicate the first terminal show second verification interface, this second verification interface be used for this second User inputs second verification information.

The second verification interface is only used for the second user and inputs second verification information in this step.Specific description can With the associated description with reference to step 103 in above-described embodiment one, details are not described herein again.

Step 210, first terminal receive the second instruction message of server transmission.

In the case where the server determines that first verification information meets the first presupposed information, server transmission is received The second instruction message, second instruction message be used to indicate the first terminal show second verification interface, this second verification circle Face inputs second verification information for the second user.

The second verification interface is only used for the second user and inputs second verification information in this step.Specific description can With the associated description with reference to step 204 in above-described embodiment two, details are not described herein again.

Second verification interface can be identical with the first verification interface, can not also be identical, and the embodiment of the present invention is not construed as limiting. If the first verification information and the second verification information are information of the same race, and verify interface and do not show related prompt message, then second test It is identical as the first verification interface to demonstrate,prove interface；If the first verification information and the second verification information are information of the same race, or verification interface is aobvious Show related prompt message, then the second verification interface is differed with the first verification interface.

Step 211, first terminal receive second verification information of second user input.

Whether second verification information meets the second presupposed information for the server authentication second verification information, this Two presupposed informations are the presupposed information preserved in the server.

Step 212, first terminal send second verification information to the server.

Step 213, server receive second verification information of first terminal transmission.

Whether step 214, server authentication second verification information meet the second presupposed information.

Optionally, can be to match second verification information with the second presupposed information.Second presupposed information is The presupposed information preserved in the server.

If verification result, which is second verification information, meets the second presupposed information, following step 215- steps are executed 216；Otherwise it according to above-mentioned step 209- steps 213, reacquires and verifies second verification information.

Illustratively, in conjunction with Fig. 5 (a), as shown in Fig. 5 (b), after the step 214, branch provided in an embodiment of the present invention It can also includes following step 215- steps 216 to pay verification method.

The payment amount is transferred to the target account by step 215, server from the payment account, and to the first terminal Send Target indication message.

Further include payment amount and target account in the payment request, during payment amount is this time paid, payment account needs The quantity for the e-sourcing to be paid to target account.E-sourcing can be fund, can also be stock, bond etc., also may be used To be other, the embodiment of the present invention is not construed as limiting.

In the case where second verification information meets the second presupposed information, server pays a bill the payment amount from the branch Family is transferred to the target account, and sends Target indication message to the first terminal, which is used to indicate the branch Family success of paying a bill pays the payment amount to target account.

Specific description can refer to the associated description of step 109 in above-described embodiment one, and details are not described herein again.

Step 216, first terminal receive the Target indication message of server transmission.

In the case where the server determines that second verification information meets the second presupposed information, server transmission is received Target indication message, which is used to indicate payment account success and to target account pays the payment amount.

Illustratively, before step 201, payment verification method provided in an embodiment of the present invention can also include that setting is handed over The process of easy verification information can specifically refer to the associated description of the step 111- steps 117 of above-described embodiment one, herein not It repeats again.Above-mentioned realization method can reduce user information leakage to a certain extent compared to the realization method of embodiment one Probability, improve the safety of joint account.

Embodiment three

With reference to shown in figure 7 (a), an embodiment of the present invention provides a kind of payment verification method, this method is to above-mentioned the The illustrative explanation of three kinds of realization methods, verification mode information are to be verified by the first terminal and second terminal.This method May include following step 301- steps 308.

Step 301, first terminal send payment request to server.

Verification mode information is to be verified by the first terminal and second terminal, that is, uses two terminal authentications, can also It says as the different frame verification of different machine.If the first user and second user belonging to joint account are respectively at not within the same period Same city or country etc., when must be produced from shared account at this time or pay a fund, can select same machine with frame Verification mode information.

Step 302, server receive the payment request that first terminal is sent.

Step 303, server send the first instruction message to the first terminal, and send the second instruction to the second terminal Message.

Wherein, which is used to indicate the first terminal and shows the first verification interface, the first verification interface First verification information is inputted for first user, the second instruction message is used to indicate the second terminal and shows the second verification circle Face, the second verification interface input second verification information for the second user.

The first verification interface is only used for first user and inputs first verification information, the second verification interface in this step It is only used for the second user and inputs second verification information, specific description can refer to step 103 in above-described embodiment one Associated description, details are not described herein again.

Step 304a, first terminal receives the first instruction message of server transmission.

The first verification interface is only used for first user and inputs first verification information in this step.Specific description can With the associated description with reference to step 204 in step 104 in above-described embodiment one and embodiment two, details are not described herein again.

Step 305a, first terminal receives first first verification information input by user.

Step 306a, first terminal sends first verification information to the server.

Step 307a, server receives first verification information of first terminal transmission.

Step 304b, second terminal receives the second instruction message of server transmission.

The second verification interface is only used for the second user and inputs second verification information in this step.Specific description can With the associated description with reference to step 210 in step 104 in above-mentioned real embodiment one and embodiment two, details are not described herein again.

Step 305b, second terminal receives second verification information of second user input.

Step 306b, second terminal sends second verification information to the server.

Step 307b, server receives second verification information of second terminal transmission.

The payment account is the joint account of first user and the second user.

Step 308a, whether server authentication first verification information meets the first presupposed information.

Step 308b, whether server authentication second verification information meets second presupposed information.

Specifically, can be that server match first verification information with the first presupposed information, this second be tested Card information is matched with the second presupposed information.First presupposed information and second presupposed information are to be preserved in the server Presupposed information.

Meet the first presupposed information if verification result is first verification information, and second verification information meets second in advance If information, then following step 309- steps 311 are executed；Otherwise it reacquires and tests according to above-mentioned step 303- steps 307a First verification information is demonstrate,proved, or according to above-mentioned step 303- step 307b, reacquires and verify second verification information, or First verification information is reacquired and verifies according to above-mentioned step 303- steps 307a, and according to above-mentioned step 303- steps Rapid 307b is reacquired and is verified second verification information.

It should be noted that：In specific implementation process, above-mentioned steps 308a and step 308b can not be performed simultaneously, also may be used To be performed simultaneously, the embodiment of the present invention is not construed as limiting.And above-mentioned steps 304a- steps 308a and above-mentioned steps 304b- steps There is no fixed sequence between each steps of 308b, may be performed simultaneously, can not be performed simultaneously, can be executed with random order, The embodiment of the present invention does not limit.

Illustratively, in conjunction with Fig. 7 (a), as shown in Fig. 7 (b), after the step 308, branch provided in an embodiment of the present invention It can also includes following step 309- steps 312 to pay verification method.

The payment amount is transferred to the target account by step 309, server from the payment account, and to the first terminal Target indication message is sent with the second terminal.

Meet the first presupposed information in first verification information, and second verification information meets the feelings of the second presupposed information Under condition, which is transferred to the target account by server from the payment account, and is sent target to the first terminal and referred to Show message.The Target indication message is used to indicate payment account success and pays the payment amount to target account.

Step 310, first terminal receive the Target indication message of server transmission.

Determine that first verification information meets the first presupposed information in the server, and second verification information meets second In the case of presupposed information, first terminal receives the Target indication message of server transmission, and the Target indication message is for referring to Show that payment account success pays the payment amount to target account.

The payment amount is transferred to the target account by step 311 (optional), server from the payment account, and to this Second terminal sends Target indication message.

In the case where second verification information meets the second presupposed information, server pays a bill the payment amount from the branch Family is transferred to the target account, and sends Target indication message to the second terminal, which is used to indicate the branch Family success of paying a bill pays the payment amount to target account.

Step 312 (optional), second terminal receive the Target indication message of server transmission.

Determine that first verification information meets the first presupposed information in the server, and second verification information meets second In the case of presupposed information, second terminal receives the Target indication message of server transmission, and the Target indication message is for referring to Show that payment account success pays the payment amount to target account.

Illustratively, before step 301, payment verification method provided in an embodiment of the present invention can also include that setting is handed over The process of easy verification information can specifically refer to the associated description of the step 111- steps 117 of above-described embodiment one, herein not It repeats again.

Example IV

With reference to shown in figure 8 (a), an embodiment of the present invention provides a kind of payment verification method, this method is to above-mentioned the The illustrative explanation of four kinds of realization methods, verification mode information are to be verified by the first terminal and second terminal.This method May include following step 401- steps 414.

Step 401, first terminal send payment request to server.

Step 402, server receive the payment request that first terminal is sent.

Step 403, server send the first instruction message to the first terminal.

Step 404, first terminal receive the first instruction message of server transmission.

The first verification interface is only used for first user and inputs first verification information by first terminal in this step. Specific description can be with reference to the associated description of step 204 in step 104 in above-described embodiment one and embodiment two, herein no longer It repeats.

Step 405, first terminal receive first first verification information input by user.

Step 406, first terminal send first verification information to the server.

Step 407, server receive first verification information of first terminal transmission.

Whether step 408 (optional), server authentication first verification information meet the first presupposed information.

Specifically, can be to match first verification information with the first presupposed information.First presupposed information is The presupposed information preserved in the server.

If verification result, which is first verification information, meets the first presupposed information, following step 409- steps are executed 414；Otherwise it according to above-mentioned step 403- steps 407, reacquires and verifies first verification information.

Step 409, server send the second instruction message to the second terminal.

In the case where first verification information meets the first presupposed information, sends the second instruction to the second terminal and disappear Breath, second instruction message be used to indicate the second terminal show second verification interface, this second verification interface be used for this second User inputs second verification information.

The second verification interface is only used for the second user and inputs second verification information by second terminal in this step. Specific description can refer to the associated description of step 103 in above-described embodiment one, and details are not described herein again.

Step 410, second terminal receive the second instruction message of server transmission.

In the case where the server determines that first verification information meets the first presupposed information, second terminal receives the clothes It is engaged in the second instruction message that device sends, which is used to indicate the second terminal and show that second verifies interface, this Two verification interfaces input second verification information for the second user.

The second verification interface is only used for the second user and inputs second verification information in this step.Specific description can With the associated description with reference to step 204 in step 104 in above-mentioned real embodiment one and embodiment two, details are not described herein again.

Step 411, second terminal receive second verification information of second user input.

Step 412, second terminal send second verification information to the server.

Step 413, server receive second verification information of second terminal transmission.

Whether step 414, server authentication second verification information meet the second presupposed information.

Specifically, can be to match second verification information with the second presupposed information.Second presupposed information is The presupposed information preserved in the server.

If verification result, which is second verification information, meets the second presupposed information, following steps 415 (including step is executed Rapid 415a and step 415b)-step 416 (including step 416a and step 416b)；Otherwise according to above-mentioned step 409- steps 413, it reacquires and verifies second verification information.

Illustratively, in conjunction with Fig. 8 (a), as shown in Fig. 8 (b), after the step 414, branch provided in an embodiment of the present invention It can also includes following step 415- steps 416 to pay verification method.

Step 415a, the payment amount is transferred to the target account by server from the payment account, and first eventually to this End sends Target indication message.

Step 416a, first terminal receives the Target indication message of server transmission.

The payment amount is transferred to the target account by step 415b (optional), server from the payment account, and to The second terminal sends Target indication message.

Step 416b (optional), second terminal receive the Target indication message of server transmission.

There is no fixed sequence between above-mentioned steps 415a- steps 416a and step 415b- steps 416b, it can be with arbitrary Sequence executes, and the embodiment of the present invention is not construed as limiting.

Illustratively, before step 401, payment verification method provided in an embodiment of the present invention can also include that setting is handed over The process of easy verification information can specifically refer to the associated description of the step 111- steps 117 of above-described embodiment one, herein not It repeats again.

Above-mentioned realization method can reduce user information compared to the realization method of embodiment three and let out to a certain extent The probability of dew improves the safety of joint account.

Embodiment five

As shown in figure 9, the embodiment of the present invention provides a kind of server 120, which is characterized in that the server 120 includes：It connects Receive module 121, acquisition module 122 and authentication module 123；

The receiving module 121, the payment request for receiving first terminal transmission, which includes payment account With verification mode information；

The acquisition module 122, the verification mode information for being received according to the receiving module 121 obtain the first user The first verification information and second user the second verification information, which is being total to for first user and the second user Same account；

The authentication module 123, it is pre- whether first verification information for verifying the acquisition module 122 acquisition meets first If information, and whether second verification information for verifying the acquisition module 122 acquisition meets the second presupposed information, this is first default Information and second presupposed information are the presupposed information preserved in the server.

Optionally, which is to be verified by the first terminal；The acquisition module 122 is specifically used for this First terminal sends the first instruction message, which is used to indicate first terminal display verification interface, the verification Interface inputs first verification information for first user and the second user inputs second verification information；Receive this first First verification information and second verification information that terminal is sent；Alternatively, the acquisition module 122, be specifically used for this first Terminal sends the first instruction message, which is used to indicate the first terminal and shows the first verification interface, this first Verification interface inputs first verification information for first user；Receive first verification information of first terminal transmission； In the case where first verification information meets first presupposed information, the second instruction message is sent to the first terminal, this Two instruction messages are used to indicate the first terminal and show the second verification interface, which inputs for the second user Second verification information；Receive second verification information of first terminal transmission.

Optionally, which is to be verified by the first terminal and second terminal, which is to use The user of the first terminal, the second user are the user using the second terminal；The acquisition module 122 is specifically used for this First terminal sends the first instruction message, and sends the second instruction message to the second terminal, wherein first instruction message is used In instruction, the first terminal shows the first verification interface, which inputs the first verification letter for first user Breath, the second instruction message are used to indicate the second terminal and show the second verification interface, and the second verification interface is for second use Family inputs second verification information；First verification information of first terminal transmission is received, and receives second terminal transmission Second verification information；Alternatively, the acquisition module 122, it is specifically used for sending the first instruction message to the first terminal, this One instruction message is used to indicate the first terminal and shows the first verification interface, which inputs for first user First verification information；Receive first verification information of first terminal transmission；It is pre- to meet first in first verification information If in the case of information, sending the second instruction message to the second terminal, which is used to indicate the second terminal The second verification of display interface, the second verification interface input second verification information for the second user；Receive second end Hold second verification information sent.

Optionally, the receiving module 121 is additionally operable to before the payment request that the reception first terminal is sent, and receiving should The setting request that first terminal is sent, transaction verification information of the setting request for asking that the payment account is arranged, the transaction Verification information includes first presupposed information and second presupposed information；The server 120 further includes sending module 124, the hair Module 124 is sent, for sending third instruction message to the first terminal, and the 4th instruction message is sent to the second terminal, it should Third instruction message is used to indicate the first terminal and shows the first setting interface, which is used for first user First presupposed information is inputted, the 4th instruction message is used to indicate the second terminal and shows the second setting interface, this second Setting interface inputs second presupposed information for the second user；The receiving module 121 is additionally operable to receive first terminal hair Second presupposed information that first presupposed information sent and the second terminal are sent；The server 120 further includes：Preserving module 125, the preserving module 125, the transaction for first presupposed information and second presupposed information to be saved as to the payment account Verification information.

Optionally, further include payment amount and target account in the payment request；The server 120 further includes：Shift mould Block 126；Whether the shift module 126 meets the first presupposed information for first verification information in the verification, and verify this After whether two verification informations meet the second presupposed information, meet first presupposed information in first verification information, and this In the case that two verification informations meet second presupposed information, which is transferred to the target account from the payment account Family, the sending module are additionally operable to send Target indication message to the first terminal, which is used to indicate the payment Account success pays the payment amount to the target account.

Terminal provided in an embodiment of the present invention can realize Fig. 3 to Fig. 8 in above method embodiment one to example IV Each process shown in one of arbitrary, to avoid repeating, details are not described herein again.

An embodiment of the present invention provides a kind of servers, in the server, due to the payment request for joint account, Need to obtain the verification information of multiple users of the joint account, and by the verification information of multiple users respectively with it is corresponding default Information is verified.In the case of corresponding with corresponding presupposed information when the verification information of multiple users, it is likely to make It completes this time to pay with the joint account.Compared with prior art, the program needs to verify the verification of multiple users of joint account Information strengthens the safety of payment to a certain extent, improves the financing security of joint account, solves using altogether When with bill payment, more people use the mode of identical password authentication, the problem for causing the financing security of joint account relatively low.

Embodiment six

Refering to what is shown in Fig. 10, the embodiment of the present invention also provides a kind of server 130, including processor 131, memory 132, And it is stored in the computer program that can be run on memory 132 and on the processor 131, the computer program is by processor 131 realized when executing Fig. 3 to Fig. 8 in above method embodiment it is one of arbitrary shown in payment verification method each process, and Identical technique effect can be reached, to avoid repeating, details are not described herein again.

Embodiment seven

As shown in figure 11, the embodiment of the present invention provides a kind of terminal 140, which includes：It sending module 141 and connects Receive module 142；

The sending module 141, for sending payment request to server, which includes payment account and verification Mode information, the verification mode information are used to indicate the first verification information and second user that the server obtains the first user The mode of second verification information, the payment account are the joint account of first user and the second user；

The receiving module 142, the first instruction message for receiving server transmission, first instruction message is for referring to Show that first terminal shows the first verification interface, which inputs first verification information for first user and should Second user inputs second verification information；Receive first first verification information input by user and second user input Second verification information, the sending module 142, be additionally operable to the server send the receiving module 142 receive this first Verification information and second verification information, wherein first verification information and second verification information are used for the server authentication Whether first verification information meets the first presupposed information, and verifies whether second verification information meets the second presupposed information, First presupposed information and second presupposed information are the presupposed information preserved in the server.

Optionally, further include payment amount and target account in the payment request；The receiving module 141, is additionally operable at this After sending first verification information and second verification information to the server, first verification information is determined in the server Meet first presupposed information, and in the case that second verification information meets second presupposed information, receives server hair The Target indication message sent, the Target indication message are used to indicate payment account success and pay the payment number to the target account Volume.

Terminal provided in an embodiment of the present invention can realize in above method embodiment Fig. 3 to Fig. 8 it is one of arbitrary shown in Each process, to avoid repeating, details are not described herein again.

An embodiment of the present invention provides a kind of terminals, in the terminal, due to the payment request for joint account, need Obtain the verification information of multiple users of the joint account, and by the verification information of multiple users respectively with corresponding presupposed information It is verified.In the case of corresponding with corresponding presupposed information when the verification information of multiple users, it is likely to use and is somebody's turn to do Joint account is completed this time to pay.Compared with prior art, the program needs to verify the verification information of multiple users of joint account, The safety for strengthening payment to a certain extent improves the financing security of joint account, solves and is using common account When family is paid, more people use the mode of identical password authentication, the problem for causing the financing security of joint account relatively low.

Embodiment eight

The receiving module 142, the first instruction message for receiving server transmission, first instruction message is for referring to Show that first terminal shows the first verification interface, which inputs first verification information for first user；And First first verification information input by user is received, which is additionally operable to send the reception mould to the server First verification information that block receives；

In the case where the server determines that first verification information meets the first presupposed information, the receiving module 142, also The second instruction message for receiving server transmission, second instruction message are used to indicate the first terminal and show that second tests Interface is demonstrate,proved, which inputs second verification information for the second user, which is the service The presupposed information preserved in device；And second verification information of second user input is received, which is additionally operable to Second verification information that the receiving module 142 receives is sent to the server, wherein second verification information is used for the service Device verifies whether second verification information meets the second presupposed information, and second presupposed information is default for what is preserved in the server Information.

Optionally, further include payment amount and target account in the payment request；The receiving module 142, is additionally operable at this After sending second verification information to the server, determine that second verification information meets the second presupposed information in the server In the case of, the Target indication message of server transmission is received, which is used to indicate payment account success The payment amount is paid to the target account.

A kind of hardware architecture diagram of Figure 12 terminals of each embodiment to realize the present invention.As shown in figure 12, the end End 100 includes but not limited to：Radio frequency unit 101, network module 102, audio output unit 103, input unit 104, sensor 105, display unit 106, user input unit 107, interface unit 108, memory 109, processor 110 and power supply 111 etc. Component.It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Figure 12, terminal can be with Including than illustrating more or fewer components, either combining certain components or different components arrangement.In the embodiment of the present invention In, terminal include but not limited to mobile phone, tablet computer, laptop, palm PC, car-mounted terminal, wearable device and Pedometer etc..

Wherein, radio frequency unit 101 include at least payment number for sending payment request to server in the payment request Volume, payment account and verification mode information, the verification mode information are used to indicate the server and obtain first testing for the first user Demonstrate,prove the mode of the second verification information of information and second user, which is the common of first user and the second user Account；The first instruction message of server transmission is received, which is used to indicate the first terminal and shows first Verify interface, which for first user inputs first verification information and the second user input this second Verification information；User input unit 107, it is defeated for receiving first first verification information input by user and the second user Second verification information entered.Radio frequency unit 101 is additionally operable to send first verification information and second verification to the server Information；Determine that first verification information meets the first presupposed information in the server, and second verification information meets second in advance If in the case of information, receiving the Target indication message of server transmission, which is used to indicate the branch and pays a bill Family success pays the payment amount to target account, and first presupposed information and second presupposed information are to be preserved in the server Presupposed information.

Alternatively,

Radio frequency unit 101 includes at least payment amount, branch for sending payment request to server in the payment request It pays a bill family and verification mode information, which is used to indicate the first verification information that the server obtains the first user With the mode of the second verification information of second user, which is the joint account of first user and the second user； The first instruction message of server transmission is received, which is used to indicate the first terminal and shows the first verification circle Face, the first verification interface input first verification information for first user；User input unit 107, for receiving this First first verification information input by user, radio frequency unit 101 are additionally operable to send first verification information to the server； In the case where the server determines that first verification information meets the first presupposed information, the second finger of server transmission is received Show message, which is used to indicate the first terminal and shows the second verification interface, and the second verification interface is for being somebody's turn to do Second user inputs second verification information, which is the presupposed information preserved in the server；User inputs Unit 107 is additionally operable to receive second verification information of second user input, and radio frequency unit 101 is additionally operable to the server Send second verification information；In the case where the server determines that second verification information meets the second presupposed information, receive The Target indication message that the server is sent, the Target indication message are used to indicate payment account success and are paid to target account The payment amount, second presupposed information are the presupposed information preserved in the server.

Terminal provided in an embodiment of the present invention due to the payment request for joint account, needs to obtain in the terminal The verification information of multiple users of the joint account, and the verification information of multiple users is carried out with corresponding presupposed information respectively Verification.In the case of corresponding with corresponding presupposed information when the verification information of multiple users, it is likely to common using this Account is completed this time to pay.Compared with prior art, the program needs to verify the verification information of multiple users of joint account, one The safety for determining to strengthen payment in degree, improves the financing security of joint account, solves and is using joint account branch Fu Shi, more people use the mode of identical password authentication, the problem for causing the financing security of joint account relatively low.

It should be understood that the embodiment of the present invention in, radio frequency unit 101 can be used for receiving and sending messages or communication process in, signal Send and receive, specifically, by from base station downlink data receive after, to processor 110 handle；In addition, by uplink Data are sent to base station.In general, radio frequency unit 101 includes but not limited to antenna, at least one amplifier, transceiver, coupling Device, low-noise amplifier, duplexer etc..In addition, radio frequency unit 101 can also by radio communication system and network and other set Standby communication.

Terminal has provided wireless broadband internet to the user by network module 102 and has accessed, and such as user is helped to receive and dispatch electricity Sub- mail, browsing webpage and access streaming video etc..

It is that audio output unit 103 can receive radio frequency unit 101 or network module 102 or in memory 109 The audio data of storage is converted into audio signal and exports to be sound.Moreover, audio output unit 103 can also provide and end The relevant audio output of specific function (for example, call signal receives sound, message sink sound etc.) that end 100 executes.Sound Frequency output unit 103 includes loud speaker, buzzer and receiver etc..

Input unit 104 is for receiving audio or video signal.Input unit 104 may include graphics processor (Graphics Processing Unit, GPU) 1041 and microphone 1042, graphics processor 1041 is in video acquisition mode Or the image data of the static images or video obtained by image capture apparatus (such as camera) in image capture mode carries out Reason.Treated, and picture frame may be displayed on display unit 106.Through graphics processor 1041, treated that picture frame can be deposited Storage is sent in memory 109 (or other storage mediums) or via radio frequency unit 101 or network module 102.Mike Wind 1042 can receive sound, and can be audio data by such acoustic processing.Treated audio data can be The format output of mobile communication base station can be sent to via radio frequency unit 101 by being converted in the case of telephone calling model.

Terminal 100 further includes at least one sensor 105, such as optical sensor, motion sensor and other sensors. Specifically, optical sensor includes ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ambient light Light and shade adjusts the brightness of display panel 1061, and proximity sensor can close display panel when terminal 100 is moved in one's ear 1061 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (generally three axis) and add The size of speed can detect that size and the direction of gravity when static, can be used to identify terminal posture (such as horizontal/vertical screen switching, Dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.；Sensor 105 can be with Including fingerprint sensor, pressure sensor, iris sensor, molecule sensor, gyroscope, barometer, hygrometer, thermometer, Infrared sensor etc., details are not described herein.

Display unit 106 is for showing information input by user or being supplied to the information of user.Display unit 106 can wrap Display panel 1061 is included, liquid crystal display (Liquid Crystal Display, LCD), Organic Light Emitting Diode may be used Forms such as (Organic Light-Emitting Diode, OLED) configure display panel 1061.

User input unit 107 can be used for receiving the number or character information of input, and generates and set with the user of terminal It sets and the related key signals of function control inputs.Specifically, user input unit 107 include touch panel 1071 and other Input equipment 1072.Touch panel 1071, also referred to as touch screen, collect user on it or neighbouring touch operation (such as User is using any suitable objects or attachment such as finger, stylus on touch panel 1071 or near touch panel 1071 Operation).Touch panel 1071 may include both touch detecting apparatus and touch controller.Wherein, touch detecting apparatus is examined The touch orientation of user is surveyed, and detects the signal that touch operation is brought, transmits a signal to touch controller；Touch controller from Touch information is received on touch detecting apparatus, and is converted into contact coordinate, then gives processor 110, receives processor 110 The order sent simultaneously is executed.Furthermore, it is possible to using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves Realize touch panel 1071.In addition to touch panel 1071, user input unit 107 can also include other input equipments 1072. Specifically, other input equipments 1072 can include but is not limited to physical keyboard, function key (such as volume control button, switch Button etc.), trace ball, mouse, operating lever, details are not described herein.

Further, touch panel 1071 can be covered on display panel 1061, when touch panel 1071 is detected at it On or near touch operation after, send processor 110 to determine the type of touch event, be followed by subsequent processing device 110 according to touch The type for touching event provides corresponding visual output on display panel 1061.Although in fig. 12, touch panel 1071 with it is aobvious Show that panel 1061 is to realize the function that outputs and inputs of terminal as two independent components, but in certain embodiments, The function that outputs and inputs that can touch panel 1071 and display panel 1061 be integrated and be realized terminal, does not limit specifically herein It is fixed.

Interface unit 108 is the interface that external device (ED) is connect with terminal 100.For example, external device (ED) may include it is wired or Wireless head-band earphone port, external power supply (or battery charger) port, wired or wireless data port, memory card port, For connecting the port of device with identification module, the port audio input/output (I/O), video i/o port, ear port Etc..Interface unit 108 can be used for receiving the input (for example, data information, electric power etc.) from external device (ED) and will One or more elements that the input received is transferred in terminal 100 or can be used for terminal 100 and external device (ED) it Between transmission data.

Memory 109 can be used for storing software program and various data.Memory 109 can include mainly storing program area And storage data field, wherein storing program area can storage program area, application program (such as the sound needed at least one function Sound playing function, image player function etc.) etc.；Storage data field can store according to mobile phone use created data (such as Audio data, phone directory etc.) etc..In addition, memory 109 may include high-speed random access memory, can also include non-easy The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.

Processor 110 is the control centre of terminal, using the various pieces of various interfaces and the entire terminal of connection, is led to It crosses operation or executes the software program and/or module being stored in memory 109, and call and be stored in memory 109 Data execute the various functions and processing data of terminal, to carry out integral monitoring to terminal.Processor 110 may include one Or multiple processing units；Optionally, processor 110 can integrate application processor and modem processor, wherein application processing The main processing operation system of device, user interface and application program etc., modem processor mainly handles wireless communication.It can manage Solution, above-mentioned modem processor can not also be integrated into processor 110.

Terminal 100 can also include the power supply 111 (such as battery) powered to all parts, and optionally, power supply 111 can be with It is logically contiguous by power-supply management system and processor 110, to by power-supply management system realize management charging, electric discharge, with And the functions such as power managed.

In addition, terminal 100 includes some unshowned function modules, details are not described herein.

Embodiment nine

The embodiment of the present invention also provides a kind of terminal, may include above-mentioned processor 110 as shown in figure 12, memory 109, and it is stored in the computer program that can be run on memory 109 and on the processor 110, which is located Manage realized when device 110 executes Fig. 3 to Fig. 8 in above method embodiment it is one of arbitrary shown in payment verification method each mistake Journey, and identical technique effect can be reached, to avoid repeating, details are not described herein again.

Embodiment ten

The embodiment of the present invention also provides a kind of computer readable storage medium, and meter is stored on computer readable storage medium Calculation machine program, realized when which is executed by processor in above method embodiment Fig. 3 to Fig. 8 it is one of arbitrary shown in Each process of payment verification method, and identical technique effect can be reached, to avoid repeating, details are not described herein again.Wherein, Computer readable storage medium, such as read-only memory (Read-Only Memory, ROM), random access memory (RandomAccess Memory, RAM), magnetic disc or CD etc..

Embodiment 11

The embodiment of the present invention also provides a kind of payment system, including：Server and terminal；

Server includes the server as described in embodiment five or the server as described in embodiment six；

Terminal includes the terminal as described in embodiment seven or embodiment eight or the terminal as described in embodiment nine.

It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that process, method, article or device including a series of elements include not only those elements, and And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this There is also other identical elements in the process of element, method, article or device.

Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal (can be mobile phone, computer, service Device, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.

The embodiment of the present invention is described with above attached drawing, but the invention is not limited in above-mentioned specific Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much Form belongs within the protection of the present invention.

Claims

1. a kind of payment verification method, which is characterized in that it is applied to server, the method includes：

The payment request that first terminal is sent is received, the payment request includes payment account and verification mode information；

According to the verification mode information, the second verification information of the first verification information and second user of the first user is obtained, The payment account is the joint account of first user and the second user；

2. according to the method described in claim 1, it is characterized in that, the verification mode information is to be tested by the first terminal Card；

It is described according to the verification mode information, obtain the first verification information of the first user and the second verification letter of second user Breath, including：

The first instruction message is sent to the first terminal, first instruction message, which is used to indicate the first terminal and shows, to be tested Interface is demonstrate,proved, the verification interface is inputted for first user described in first verification information and second user input Second verification information；Receive first verification information and second verification information that the first terminal is sent；

Alternatively,

The first instruction message is sent to the first terminal, first instruction message is used to indicate the first terminal and shows the One verification interface, the first verification interface input first verification information for first user；Receive described first First verification information that terminal is sent；In the case where first verification information meets first presupposed information, to The first terminal sends the second instruction message, and second instruction message is used to indicate the first terminal and shows the second verification Interface, the second verification interface input second verification information for the second user；Receive the first terminal hair Second verification information sent.

3. according to the method described in claim 1, it is characterized in that, the verification mode information be by the first terminal and Second terminal is verified, and first user is the user using the first terminal, and the second user is to use described second The user of terminal；

The first instruction message is sent to the first terminal, and the second instruction message is sent to the second terminal, wherein is described First instruction message is used to indicate the first terminal and shows that the first verification interface, first verification interface are used for described first User inputs first verification information, and the second instruction message is used to indicate the second terminal and shows the second verification interface, institute It states the second verification interface and inputs second verification information for the second user；Receive the described of the first terminal transmission First verification information, and receive second verification information that the second terminal is sent；

Alternatively,

The first instruction message is sent to the first terminal, first instruction message is used to indicate the first terminal and shows the One verification interface, the first verification interface input first verification information for first user；Receive described first First verification information that terminal is sent；In the case where first verification information meets the first presupposed information, to described Second terminal sends the second instruction message, and second instruction message is used to indicate the second terminal and shows the second verification circle Face, the second verification interface input second verification information for the second user；The second terminal is received to send Second verification information.

4. according to the method described in claim 1, it is characterized in that, it is described receive first terminal send payment request before, Further include：

Receive the setting request that the first terminal is sent, transaction of the setting request for asking that the payment account is arranged Verification information, the transaction verification information include first presupposed information and second presupposed information；

Third instruction message is sent to the first terminal, and the 4th instruction message, the third instruction are sent to second terminal Message is used to indicate the first terminal and shows that first setting interface, first setting interface are used for first user First presupposed information is inputted, the 4th instruction message is used to indicate the second terminal and shows second setting circle Face, the second setting interface input second presupposed information for the second user；

Receive first presupposed information that the first terminal is sent and the described second default letter that the second terminal is sent Breath；

And first presupposed information and second presupposed information are saved as to the transaction verification information of the payment account.

5. according to the method described in claim 1-4, which is characterized in that further include payment amount and target in the payment request Account；

Whether verification first verification information meets the first presupposed information, and verifies whether second verification information accords with After closing the second presupposed information, further include：

Meet first presupposed information in first verification information, and second verification information meets described second and presets In the case of information, the payment amount is transferred to the target account from the payment account, and to the first terminal Target indication message is sent, the Target indication message is used to indicate the payment account success and pays institute to the target account State payment amount.

6. a kind of payment verification method, which is characterized in that the method includes：

Payment request is sent to server, the payment request includes payment account and verification mode information, the authentication Formula information is used to indicate the server and obtains the first verification information of the first user and the second verification information of second user Mode, the payment account are the joint account of first user and the second user；

The first instruction message that the server is sent is received, first instruction message is used to indicate first terminal and shows first Interface is verified, the first verification interface inputs first verification information for first user and the second user is defeated Enter second verification information；

Receive the second verification letter of the described first first verification information input by user and second user input Breath, and send first verification information and second verification information to the server, wherein first verification information Whether meet the first presupposed information for the first verification information described in the server authentication with second verification information, and tests Demonstrate,prove whether second verification information meets the second presupposed information, first presupposed information and second presupposed information are institute State the presupposed information preserved in server.

7. according to the method described in claim 6, it is characterized in that, further including payment amount and target account in the payment request Family；

It is described send first verification information and second verification information to the server after, further include：

Determine that first verification information meets first presupposed information in the server, and second verification information accords with In the case of closing second presupposed information, the Target indication message that the server is sent, the Target indication message are received It is used to indicate the payment account success and pays the payment amount to the target account.

8. a kind of payment verification method, which is characterized in that the method includes：

The first instruction message that the server is sent is received, first instruction message is used to indicate first terminal and shows first Interface is verified, the first verification interface inputs first verification information for first user；

The described first first verification information input by user is received, and the first verification letter is sent to the server Breath；

In the case where the server determines that first verification information meets the first presupposed information, the server hair is received The second instruction message sent, second instruction message are used to indicate the first terminal and show the second verification interface, and described the Two verification interfaces input second verification information for the second user, and first presupposed information is in the server The presupposed information of preservation；

Second verification information of the second user input is received, and the second verification letter is sent to the server Breath, wherein whether second verification information meets the second default letter for the second verification information described in the server authentication Breath, second presupposed information are the presupposed information preserved in the server.

9. according to the method described in claim 8, it is characterized in that, further including payment amount and target account in the payment request Family；

After second verification information to server transmission, further include：

In the case where the server determines that second verification information meets the second presupposed information, the server hair is received The Target indication message sent, the Target indication message are used to indicate the payment account success and pay institute to the target account State payment amount.

10. a kind of server, which is characterized in that including：Receiving module, acquisition module and authentication module；

The acquisition module, for the verification mode information that is received according to the receiving module, the of the first user of acquisition Second verification information of one verification information and second user, the payment account are first user and the second user Joint account；

The authentication module, for verifying whether first verification information that the acquisition module obtains meets the first default letter Breath, and verify whether second verification information that the acquisition module obtains meets the second presupposed information, described first is default Information and second presupposed information are the presupposed information preserved in the server.

11. a kind of terminal, which is characterized in that including：Sending module and receiving module；

The sending module, for sending payment request to server, the payment request includes payment account and authentication Formula information, the verification mode information are used to indicate the first verification information and second user that the server obtains the first user The second verification information mode, the payment account be first user and the second user joint account；

The receiving module, the first instruction message sent for receiving the server, first instruction message is for referring to Show that first terminal shows the first verification interface, the first verification interface is for first user input the first verification letter Breath and the second user input second verification information；Receive the described first first verification information input by user and Second verification information of the second user input, the sending module are additionally operable to connect to described in server transmission Receive first verification information and second verification information that module receives, wherein first verification information and described the Whether two verification informations meet the first presupposed information for the first verification information described in the server authentication, and verify described the Whether two verification informations meet the second presupposed information, and first presupposed information and second presupposed information are the server The presupposed information of middle preservation.

12. a kind of terminal, which is characterized in that including：Sending module and receiving module；

The receiving module, the first instruction message sent for receiving the server, first instruction message is for referring to Show that first terminal shows the first verification interface, the first verification interface is for first user input the first verification letter Breath；And the described first first verification information input by user is received, the sending module is additionally operable to send out to the server First verification information for sending the receiving module to receive；

In the case where the server determines that first verification information meets the first presupposed information, the receiving module, also The second instruction message sent for receiving the server, second instruction message are used to indicate the first terminal and show Second verification interface, the second verification interface input second verification information for the second user, and described first is pre- If information is the presupposed information preserved in the server；And second verification information of the second user input is received, The sending module is additionally operable to send second verification information that the receiving module receives to the server, wherein institute State whether the second verification information meets the second presupposed information for the second verification information described in the server authentication, described second Presupposed information is the presupposed information preserved in the server.