CN108876387B

CN108876387B - Payment verification method, payment verification equipment and computer-readable storage medium

Info

Publication number: CN108876387B
Application number: CN201810526250.7A
Authority: CN
Inventors: 李林兴
Original assignee: Nubia Technology Co Ltd
Current assignee: Nubia Technology Co Ltd
Priority date: 2018-05-29
Filing date: 2018-05-29
Publication date: 2022-03-25
Anticipated expiration: 2038-05-29
Also published as: CN108876387A

Abstract

The invention discloses a payment verification method, a device and a computer readable storage medium, wherein the method comprises the following steps: monitoring the payment operation of the terminal equipment, and receiving an interrupt instruction sent by the portable equipment when the payment operation is in a payment verification link; then, identifying authentication information sent by the portable device; then, determining a reference temperature according to the equipment temperature, and determining a reference distance according to the wearing state; and finally, if the reference temperature and the reference distance both meet the matching condition, executing the payment operation. The invention realizes a humanized payment verification scheme, so that when a user uses face recognition to perform payment operation, the occurrence of embezzlement of payment by using a user mobile phone by other people is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

Description

Payment verification method, payment verification equipment and computer-readable storage medium

Technical Field

The present invention relates to the field of mobile communications, and in particular, to a payment verification method, device, and computer-readable storage medium.

Background

In the prior art, with the rapid development of mobile payment technology, more and more users start to use a facial recognition verification method to perform payment operation. However, when the user initiates the verification mode of facial recognition to perform the payment operation, there may be a case where the user is stolen, for example, when the mobile phone of the user is opened by another person for the payment operation of facial recognition, the other person may aim the mobile phone at the face of the user to complete the payment operation, which obviously is not the case of the user.

In order to avoid misuse or embezzlement of a payment verification mode of face recognition, in the prior art, verification of payment operation is performed through an additional password verification link, but the fingerprint payment operation is verified through password input, so that the operation complexity is increased undoubtedly, the safety problem of the face recognition verification link is not well solved, and the user experience is poor.

Disclosure of Invention

In order to solve the technical defects in the prior art, the invention provides a payment verification method, which comprises the following steps:

monitoring the payment operation of the terminal equipment, and receiving an interrupt instruction sent by the portable equipment when the payment operation is in a payment verification link;

identifying verification information sent by the portable device, wherein the verification information comprises distance information between the terminal device and the portable device and temperature information of the terminal device;

acquiring the equipment temperature of the terminal equipment, determining a reference temperature according to the equipment temperature, acquiring the wearing state of the portable equipment, and determining a reference distance according to the wearing state;

and matching the reference temperature by combining the temperature sensing information, matching the reference distance by combining the distance information, and executing the payment operation if the reference temperature and the reference distance both meet the matching condition.

Optionally, the monitoring the payment operation of the terminal device, and receiving the interrupt instruction sent by the portable device when the payment operation is in the payment link includes:

detecting payment operation of terminal equipment, and identifying a payment verification mode of the payment operation;

when the payment verification mode is face identification verification, a verification instruction is sent to the portable equipment;

and receiving an interrupt instruction sent by the portable device, wherein the interrupt instruction is generated according to the verification instruction.

Optionally, the identifying includes identifying verification information sent by the portable device, where the verification information includes distance information between the terminal device and the portable device, and the temperature information of the terminal device includes:

analyzing the verification information to obtain the distance information and the temperature information;

and caching the distance information and the temperature information.

Optionally, the obtaining the device temperature of the terminal device, determining the reference temperature according to the device temperature, and obtaining the wearing state of the portable device, and determining the reference distance according to the wearing state includes:

acquiring a current temperature value of the terminal equipment through a temperature sensor of the terminal equipment, and taking the current temperature value as a reference temperature;

and detecting the wearing state of the portable equipment, wherein the wearing state comprises a wearing position area, and determining the distance value between the terminal equipment and the portable equipment according to the wearing position area and the relative position of the terminal equipment, and taking the distance value as a reference distance.

Optionally, the matching the reference temperature in combination with the temperature sensing information, and the matching the reference distance in combination with the distance information, where if both the reference temperature and the reference distance satisfy a matching condition, the performing the payment operation includes:

judging whether the distance information is within the reference distance range or not, simultaneously judging whether the temperature sensing information is within the reference temperature range or not, and if the reference distance range and the reference temperature range are simultaneously met, generating a payment verification instruction;

and starting face recognition verification according to the payment verification instruction so as to finish the payment operation.

The present aspect also proposes a payment verification device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the computer program when executed by the processor implementing:

Optionally, the computer program further implements, when executed by the processor:

and caching the distance information and the temperature information.

detecting the wearing state of the portable device, wherein the wearing state comprises a wearing position area, and determining the distance value between the terminal device and the portable device according to the wearing position area and the relative position of the terminal device, and taking the distance value as a reference distance;

The invention also proposes a computer-readable storage medium having stored thereon a payment verification program which, when executed by a processor, implements the steps of the payment verification method as defined in any one of the above.

By implementing the payment verification method, the payment verification equipment and the computer readable storage medium, the payment operation of the terminal equipment is monitored, and the interruption instruction sent by the portable equipment is received when the payment operation is in a payment verification link; then, identifying verification information sent by the portable device, wherein the verification information comprises distance information between the terminal device and the portable device and temperature information of the terminal device; then, acquiring the equipment temperature of the terminal equipment, determining a reference temperature according to the equipment temperature, acquiring the wearing state of the portable equipment, and determining a reference distance according to the wearing state; and finally, matching the reference temperature by combining the temperature sensing information, matching the reference distance by combining the distance information, and executing the payment operation if the reference temperature and the reference distance both meet the matching condition. The humanized payment verification scheme is realized, so that when a user uses face recognition to perform payment operation, the condition that the user uses a mobile phone of the user to embezzle the payment is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

Drawings

The invention will be further described with reference to the accompanying drawings and examples, in which:

fig. 1 is a schematic diagram of a hardware structure of a mobile terminal according to the present invention;

fig. 2 is a communication network system architecture diagram provided by an embodiment of the present invention;

FIG. 3 is a flow chart of a first embodiment of a payment verification method of the present invention;

FIG. 4 is a flow chart of a second embodiment of the payment verification method of the present invention;

FIG. 5 is a flow chart of a third embodiment of a payment verification method of the present invention;

FIG. 6 is a flow chart of a fourth embodiment of the payment verification method of the present invention;

fig. 7 is a flow chart of a fifth embodiment of the payment verification method of the present invention.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.

The terminal may be implemented in various forms. For example, the terminal described in the present invention may include a mobile terminal such as a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a Personal Digital Assistant (PDA), a Portable Media Player (PMP), a navigation device, a wearable device, a smart band, a pedometer, and the like, and a fixed terminal such as a Digital TV, a desktop computer, and the like.

The following description will be given by way of example of a mobile terminal, and it will be understood by those skilled in the art that the construction according to the embodiment of the present invention can be applied to a fixed type terminal, in addition to elements particularly used for mobile purposes.

Referring to fig. 1, which is a schematic diagram of a hardware structure of a mobile terminal for implementing various embodiments of the present invention, the mobile terminal 100 may include: RF (Radio Frequency) unit 101, WiFi module 102, audio output unit 103, a/V (audio/video) input unit 104, sensor 105, display unit 106, user input unit 107, interface unit 108, memory 109, processor 110, and power supply 111. Those skilled in the art will appreciate that the mobile terminal architecture shown in fig. 1 is not intended to be limiting of mobile terminals, which may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

The following describes each component of the mobile terminal in detail with reference to fig. 1:

the radio frequency unit 101 may be configured to receive and transmit signals during information transmission and reception or during a call, and specifically, receive downlink information of a base station and then process the downlink information to the processor 110; in addition, the uplink data is transmitted to the base station. Typically, radio frequency unit 101 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 101 can also communicate with a network and other devices through wireless communication. The wireless communication may use any communication standard or protocol, including but not limited to GSM (Global System for Mobile communications), GPRS (General Packet Radio Service), CDMA2000(Code Division Multiple Access 2000), WCDMA (Wideband Code Division Multiple Access), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access), FDD-LTE (Frequency Division duplex Long Term Evolution), and TDD-LTE (Time Division duplex Long Term Evolution).

WiFi belongs to short-distance wireless transmission technology, and the mobile terminal can help a user to receive and send e-mails, browse webpages, access streaming media and the like through the WiFi module 102, and provides wireless broadband internet access for the user. Although fig. 1 shows the WiFi module 102, it is understood that it does not belong to the essential constitution of the mobile terminal, and may be omitted entirely as needed within the scope not changing the essence of the invention.

The audio output unit 103 may convert audio data received by the radio frequency unit 101 or the WiFi module 102 or stored in the memory 109 into an audio signal and output as sound when the mobile terminal 100 is in a call signal reception mode, a call mode, a recording mode, a voice recognition mode, a broadcast reception mode, or the like. Also, the audio output unit 103 may also provide audio output related to a specific function performed by the mobile terminal 100 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 103 may include a speaker, a buzzer, and the like.

The a/V input unit 104 is used to receive audio or video signals. The a/V input Unit 104 may include a Graphics Processing Unit (GPU) 1041 and a microphone 1042, the Graphics processor 1041 Processing image data of still pictures or video obtained by an image capturing device (e.g., a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 106. The image frames processed by the graphic processor 1041 may be stored in the memory 109 (or other storage medium) or transmitted via the radio frequency unit 101 or the WiFi module 102. The microphone 1042 may receive sounds (audio data) via the microphone 1042 in a phone call mode, a recording mode, a voice recognition mode, or the like, and may be capable of processing such sounds into audio data. The processed audio (voice) data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 101 in case of a phone call mode. The microphone 1042 may implement various types of noise cancellation (or suppression) algorithms to cancel (or suppress) noise or interference generated in the course of receiving and transmitting audio signals.

The mobile terminal 100 also includes at least one sensor 105, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 1061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 1061 and/or a backlight when the mobile terminal 100 is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when stationary, and can be used for applications of recognizing the posture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured on the mobile phone, further description is omitted here.

The display unit 106 is used to display information input by a user or information provided to the user. The Display unit 106 may include a Display panel 1061, and the Display panel 1061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 107 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the mobile terminal. Specifically, the user input unit 107 may include a touch panel 1071 and other input devices 1072. The touch panel 1071, also referred to as a touch screen, may collect a touch operation performed by a user on or near the touch panel 1071 (e.g., an operation performed by the user on or near the touch panel 1071 using a finger, a stylus, or any other suitable object or accessory), and drive a corresponding connection device according to a predetermined program. The touch panel 1071 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 110, and can receive and execute commands sent by the processor 110. In addition, the touch panel 1071 may be implemented in various types, such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 1071, the user input unit 107 may include other input devices 1072. In particular, other input devices 1072 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like, and are not limited to these specific examples.

Further, the touch panel 1071 may cover the display panel 1061, and when the touch panel 1071 detects a touch operation thereon or nearby, the touch panel 1071 transmits the touch operation to the processor 110 to determine the type of the touch event, and then the processor 110 provides a corresponding visual output on the display panel 1061 according to the type of the touch event. Although the touch panel 1071 and the display panel 1061 are shown in fig. 1 as two separate components to implement the input and output functions of the mobile terminal, in some embodiments, the touch panel 1071 and the display panel 1061 may be integrated to implement the input and output functions of the mobile terminal, and is not limited herein.

The interface unit 108 serves as an interface through which at least one external device is connected to the mobile terminal 100. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 108 may be used to receive input (e.g., data information, power, etc.) from external devices and transmit the received input to one or more elements within the mobile terminal 100 or may be used to transmit data between the mobile terminal 100 and external devices.

The memory 109 may be used to store software programs as well as various data. The memory 109 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 109 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 110 is a control center of the mobile terminal, connects various parts of the entire mobile terminal using various interfaces and lines, and performs various functions of the mobile terminal and processes data by operating or executing software programs and/or modules stored in the memory 109 and calling data stored in the memory 109, thereby performing overall monitoring of the mobile terminal. Processor 110 may include one or more processing units; preferably, the processor 110 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.

The mobile terminal 100 may further include a power supply 111 (e.g., a battery) for supplying power to various components, and preferably, the power supply 111 may be logically connected to the processor 110 via a power management system, so as to manage charging, discharging, and power consumption management functions via the power management system.

Although not shown in fig. 1, the mobile terminal 100 may further include a bluetooth module or the like, which is not described in detail herein.

In order to facilitate understanding of the embodiments of the present invention, a communication network system on which the mobile terminal of the present invention is based is described below.

Referring to fig. 2, fig. 2 is an architecture diagram of a communication Network system according to an embodiment of the present invention, where the communication Network system is an LTE system of a universal mobile telecommunications technology, and the LTE system includes a UE (User Equipment) 201, an E-UTRAN (Evolved UMTS Terrestrial Radio Access Network) 202, an EPC (Evolved Packet Core) 203, and an IP service 204 of an operator, which are in communication connection in sequence.

Specifically, the UE201 may be the terminal 100 described above, and is not described herein again.

The E-UTRAN202 includes eNodeB2021 and other eNodeBs 2022, among others. Among them, the eNodeB2021 may be connected with other eNodeB2022 through backhaul (e.g., X2 interface), the eNodeB2021 is connected to the EPC203, and the eNodeB2021 may provide the UE201 access to the EPC 203.

The EPC203 may include an MME (Mobility Management Entity) 2031, an HSS (Home Subscriber Server) 2032, other MMEs 2033, an SGW (Serving gateway) 2034, a PGW (PDN gateway) 2035, and a PCRF (Policy and Charging Rules Function) 2036, and the like. The MME2031 is a control node that handles signaling between the UE201 and the EPC203, and provides bearer and connection management. HSS2032 is used to provide registers to manage functions such as home location register (not shown) and holds subscriber specific information about service characteristics, data rates, etc. All user data may be sent through SGW2034, PGW2035 may provide IP address assignment for UE201 and other functions, and PCRF2036 is a policy and charging control policy decision point for traffic data flow and IP bearer resources, which selects and provides available policy and charging control decisions for a policy and charging enforcement function (not shown).

The IP services 204 may include the internet, intranets, IMS (IP Multimedia Subsystem), or other IP services, among others.

Although the LTE system is described as an example, it should be understood by those skilled in the art that the present invention is not limited to the LTE system, but may also be applied to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA, and future new network systems.

Based on the above mobile terminal hardware structure and communication network system, the present invention provides various embodiments of the method.

Example one

Fig. 3 is a flow chart of a first embodiment of the payment verification method of the present invention. A payment verification method, the method comprising:

s1, monitoring the payment operation of the terminal equipment, and receiving an interrupt instruction sent by the portable equipment when the payment operation is in a payment verification link;

s2, identifying verification information sent by the portable device, wherein the verification information comprises distance information between the terminal device and the portable device and temperature information of the terminal device;

s3, acquiring the equipment temperature of the terminal equipment, determining a reference temperature according to the equipment temperature, acquiring the wearing state of the portable equipment, and determining a reference distance according to the wearing state;

and S4, matching the reference temperature by combining the temperature sensing information, matching the reference distance by combining the distance information, and executing the payment operation if the reference temperature and the reference distance both meet the matching condition.

In this embodiment, first, the payment operation of the terminal device is monitored, and when the payment operation is in a payment verification link, an interrupt instruction sent by the portable device is received; then, identifying verification information sent by the portable device, wherein the verification information comprises distance information between the terminal device and the portable device and temperature information of the terminal device; then, acquiring the equipment temperature of the terminal equipment, determining a reference temperature according to the equipment temperature, acquiring the wearing state of the portable equipment, and determining a reference distance according to the wearing state; and finally, matching the reference temperature by combining the temperature sensing information, matching the reference distance by combining the distance information, and executing the payment operation if the reference temperature and the reference distance both meet the matching condition.

Specifically, in this embodiment, first, the payment operation of the terminal device is monitored, and when the payment operation is in the payment verification link, the interrupt instruction sent by the portable device is received. Taking a mobile phone as an example, when a user uses the mobile phone to perform face recognition and performs payment operation according to a face recognition verification result, the scheme verifies the face recognition verification link again by combining other portable devices worn by the user, and the verification scheme of the scheme does not need the user to perform additional operation, so that the safety of the face verification link is improved, no additional interactive operation is brought to the user, and the convenience of the face recognition verification payment operation is maintained. In this embodiment, the portable device worn by the user may be an electronic device such as a smart band, a smart watch, a smart headset, or the like, in this embodiment, the smart band is taken as an example, the payment operation of the smart phone is monitored, and when the payment operation is in the payment verification link, the interrupt instruction sent by the smart band is received, and at this time, the smart phone suspends the payment operation according to the interrupt instruction sent by the smart band.

Specifically, in this embodiment, the payment operation of the terminal device is monitored, and after the payment operation is in a payment verification link and an interrupt instruction sent by the portable device is received, verification information sent by the portable device is identified, where the verification information includes distance information between the terminal device and the portable device and temperature information of the terminal device. Similarly, as described in the above example, when the payment operation of the smart phone is monitored and the payment operation is in the payment verification link, the interrupt instruction sent by the smart band is received, and at this time, the smart phone suspends the payment operation according to the interrupt instruction sent by the smart band. Then, through required distance information of this scheme of intelligent bracelet detection and temperature sensing information, wherein, distance information is the distance information between smart mobile phone and the intelligent bracelet, and temperature sensing information is the temperature sensing information of smart mobile phone that is sensed by the intelligent bracelet. And then integrating the distance information and the temperature information to generate verification information, and sending the verification information to the smart phone.

Specifically, in this embodiment, after identifying the verification information sent by the portable device, the device temperature of the terminal device is obtained, the reference temperature is determined according to the device temperature, the wearing state of the portable device is obtained, and the reference distance is determined according to the wearing state. Similarly, as described in the above example, the device temperature of the smart phone is obtained through the temperature sensor inside the smart phone, the temperature outside the device is obtained through calculation according to the device temperature, and the temperature outside the device is used as the reference temperature. Likewise, as described in the above example, the reference distance is determined according to the wearing state, for example, when the user holds the smartphone with the left hand and wears the smartphone band with the left hand wrist, the reference distance is closer, when the user holds the smartphone with the left hand and wears the smartphone band with the right hand wrist, the reference distance is farther, and when the user holds the smartphone with another person far away from the user and wears the smartphone band with the right hand wrist, the reference distance is farther.

Specifically, in this embodiment, the device temperature of the terminal device is obtained, the reference temperature is determined according to the device temperature, the wearing state of the portable device is obtained, the reference distance is determined according to the wearing state, the reference temperature is matched in combination with the temperature sensing information, the reference distance is matched in combination with the distance information, and if both the reference temperature and the reference distance satisfy the matching condition, the payment operation is executed. Similarly, as in the above example, the temperature sensing information is combined to match the reference temperature, whether the temperature detected by the smart band matches the temperature of the smart phone or not is judged, if so, the smart band is proved to be the same smart phone, further, and simultaneously, the distance information is combined to match the reference distance, that is, whether the distance detected by the smart band matches the distance between the smart phone or not is judged, if so, the smart phone is further proved to be located near the smart band and worn by the user, and the smart phone is located in the hand of the user, so that the payment verification link of the smart phone is confirmed, the situation that other people use the mobile phone of the user to perform face recognition is avoided, and the safety is improved.

The method has the advantages that the payment operation of the terminal equipment is monitored, and the interrupt instruction sent by the portable equipment is received when the payment operation is in a payment verification link; then, identifying verification information sent by the portable device, wherein the verification information comprises distance information between the terminal device and the portable device and temperature information of the terminal device; then, acquiring the equipment temperature of the terminal equipment, determining a reference temperature according to the equipment temperature, acquiring the wearing state of the portable equipment, and determining a reference distance according to the wearing state; and finally, matching the reference temperature by combining the temperature sensing information, matching the reference distance by combining the distance information, and executing the payment operation if the reference temperature and the reference distance both meet the matching condition. The humanized payment verification scheme is realized, so that when a user uses face recognition to perform payment operation, the condition that the user uses a mobile phone of the user to embezzle the payment is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

Example two

Fig. 4 is a flowchart of a second embodiment of the payment verification method of the present invention, based on the above embodiments, where the monitoring the payment operation of the terminal device, and receiving the interrupt instruction sent by the portable device when the payment operation is in a payment link includes:

s11, detecting the payment operation of the terminal equipment, and identifying the payment verification mode of the payment operation;

s12, when the payment verification mode is face identification verification, a verification instruction is sent to the portable device;

and S13, receiving an interrupt instruction sent by the portable device, wherein the interrupt instruction is generated according to the verification instruction.

In this embodiment, first, a payment operation of a terminal device is detected, and a payment verification manner of the payment operation is identified; then, when the payment verification mode is face identification verification, a verification instruction is sent to the portable equipment; and finally, receiving an interrupt instruction sent by the portable device, wherein the interrupt instruction is generated according to the verification instruction.

Optionally, when the user wears a plurality of portable devices, one portable device is selected as the verification auxiliary device according to default configuration;

optionally, when the user wears a plurality of portable devices, at least two portable devices are selected as the verification auxiliary device according to default configuration;

optionally, when the user wears a plurality of portable devices, the user selects one or more portable devices as the authentication auxiliary device;

optionally, when the user wears a plurality of portable devices, the portable device used for the last payment verification is used as the verification auxiliary device.

The method has the advantages that the payment verification mode of the payment operation is identified by detecting the payment operation of the terminal equipment; then, when the payment verification mode is face identification verification, a verification instruction is sent to the portable equipment; and finally, receiving an interrupt instruction sent by the portable device, wherein the interrupt instruction is generated according to the verification instruction. The method and the device realize a more humanized payment verification scheme, so that when a user uses face recognition to perform payment operation, the occurrence of embezzlement of the payment condition caused by using a mobile phone of the user by other people is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

EXAMPLE III

Fig. 5 is a flowchart of a third embodiment of the payment verification method of the present invention, based on the above embodiments, the identifying is performed by the portable device, where the verification information includes distance information between the terminal device and the portable device, and the temperature information of the terminal device includes:

s21, analyzing the verification information to obtain the distance information and the temperature information;

s22, caching the distance information and the temperature information.

In this embodiment, first, the verification information is analyzed to obtain the distance information and the temperature information; then, the distance information and the temperature information are cached.

Optionally, when the user selects one portable device as the verification auxiliary device, the terminal device caches a group of distance information and the temperature information;

optionally, when the user selects a plurality of portable devices as the verification auxiliary device, the terminal device caches a plurality of groups of distance information and the temperature sensing information;

optionally, when the user selects one portable device as the verification auxiliary device, if it is detected that the payment verification operation has been completed within a short time, the terminal device retrieves the cached previous group of distance information and the temperature information.

The embodiment has the advantages that the distance information and the temperature information are obtained by analyzing the verification information; then, the distance information and the temperature information are cached. The method and the device realize a more humanized payment verification scheme, so that when a user uses face recognition to perform payment operation, the occurrence of embezzlement of the payment condition caused by using a mobile phone of the user by other people is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

Example four

Fig. 6 is a flowchart of a fourth embodiment of the payment verification method of the present invention, where based on the above embodiments, the obtaining the device temperature of the terminal device, determining the reference temperature according to the device temperature, and obtaining the wearing state of the portable device, and determining the reference distance according to the wearing state includes:

s31, acquiring the current temperature value of the terminal equipment through the temperature sensor of the terminal equipment, and taking the current temperature value as a reference temperature;

s32, detecting the wearing state of the portable device, wherein the wearing state comprises a wearing position area, and determining the distance value between the terminal device and the portable device according to the wearing position area and the relative position of the terminal device, and taking the distance value as a reference distance.

In this embodiment, first, a current temperature value of the terminal device is obtained by a temperature sensor of the terminal device, and is used as a reference temperature; then, the wearing state of the portable device is detected, wherein the wearing state comprises a wearing position area, and the distance value between the terminal device and the portable device is determined according to the wearing position area and the relative position of the terminal device and is used as a reference distance.

Optionally, when the terminal device is held, the touch area in the edge area of the terminal device is detected to identify whether the user holds the terminal device with the left hand or holds the terminal device with the right hand;

optionally, the motion parameters of the smart band worn by the user and the used arm of the user (for example, the used arm of the user is used for a right hand arm or a left hand arm) obtained by learning are detected to identify whether the user wears the smart band in the left hand or in the right hand;

optionally, if the user selects a plurality of portable devices as the verification auxiliary device, the plurality of groups of reference distances and the reference temperatures are respectively obtained.

The method has the advantages that the current temperature value of the terminal equipment is obtained through the temperature sensor of the terminal equipment and is used as the reference temperature; then, the wearing state of the portable device is detected, wherein the wearing state comprises a wearing position area, and the distance value between the terminal device and the portable device is determined according to the wearing position area and the relative position of the terminal device and is used as a reference distance. The method and the device realize a more humanized payment verification scheme, so that when a user uses face recognition to perform payment operation, the occurrence of embezzlement of the payment condition caused by using a mobile phone of the user by other people is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

EXAMPLE five

Fig. 7 is a flowchart of a fifth embodiment of the payment verification method according to the present invention, where based on the above embodiments, the matching the reference temperature with the temperature sensing information and the matching the reference distance with the distance information, and if both the reference temperature and the reference distance satisfy a matching condition, the executing the payment operation includes:

s41, judging whether the distance information is in the reference distance range, meanwhile, judging whether the temperature information is in the reference temperature range, and if the distance information meets the reference distance range and the reference temperature range, generating a payment verification instruction;

and S42, starting face recognition verification according to the payment verification instruction to finish the payment operation.

In this embodiment, first, it is determined whether the distance information is within the reference distance range, and at the same time, it is determined whether the temperature information is within the reference temperature range, and if the reference distance range and the reference temperature range are simultaneously satisfied, a payment verification instruction is generated; and then, starting face recognition verification according to the payment verification instruction so as to finish the payment operation.

Optionally, if the user selects a plurality of portable devices as the verification auxiliary devices, respectively determining whether the plurality of sets of distance information are within the reference distance range, and simultaneously determining whether the plurality of sets of temperature sensing information are within the reference temperature range;

optionally, the current reference distance range and the current reference temperature range are recorded, and the recorded reference distance range and the recorded reference temperature range can be adopted in the next payment verification link under the condition of small environmental variables.

The method has the advantages that whether the distance information is in the reference distance range or not is judged, whether the temperature sensing information is in the reference temperature range or not is judged, and if the reference distance range and the reference temperature range are met, a payment verification instruction is generated; and then, starting face recognition verification according to the payment verification instruction so as to finish the payment operation. The method and the device realize a more humanized payment verification scheme, so that when a user uses face recognition to perform payment operation, the occurrence of embezzlement of the payment condition caused by using a mobile phone of the user by other people is avoided, and the safety of a payment verification link is greatly improved while the payment verification operation is not increased.

EXAMPLE six

Based on the above embodiments, the present aspect also proposes a payment verification device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing:

EXAMPLE seven

Based on the above embodiments, the computer program further realizes when executed by the processor:

Example eight

and caching the distance information and the temperature information.

Example nine

Optionally, in this embodiment, first, it is determined whether the distance information is within the reference distance range, and meanwhile, it is determined whether the temperature sensing information is within the reference temperature range, and if the reference distance range and the reference temperature range are simultaneously satisfied, a payment verification instruction is generated; and then, starting face recognition verification according to the payment verification instruction so as to finish the payment operation.

Example ten

Based on the above embodiment, the present invention further provides a computer-readable storage medium, on which a payment verification program is stored, and the payment verification program, when executed by a processor, implements the steps of the payment verification method according to any one of the above.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

Claims

1. A payment verification method, the method comprising:

matching the reference temperature by combining the temperature sensing information, matching the reference distance by combining the distance information, and executing the payment operation if the reference temperature and the reference distance both meet the matching condition;

the obtaining of the device temperature of the terminal device, determining the reference temperature according to the device temperature, and obtaining the wearing state of the portable device, wherein the determining of the reference distance according to the wearing state includes:

wherein the matching the reference temperature in combination with the temperature sensing information and the matching the reference distance in combination with the distance information, and if the reference temperature and the reference distance both satisfy a matching condition, the executing the payment operation includes:

2. The payment verification method of claim 1, wherein monitoring the payment operation of the terminal device and receiving the interrupt instruction sent by the on-body device while the payment operation is in the payment link comprises:

3. The payment verification method of claim 2, wherein the identifying verification information sent by the wearable device, wherein the verification information includes distance information of the terminal device from the wearable device, and wherein the temperature information of the terminal device includes:

and caching the distance information and the temperature information.

4. A payment verification apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the computer program when executed by the processor effecting:

wherein the computer program further implements, when executed by the processor:

5. The payment verification apparatus of claim 4, wherein the computer program when executed by the processor further implements:

6. The payment verification apparatus of claim 5, wherein the computer program when executed by the processor further implements:

and caching the distance information and the temperature information.

7. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon a payment verification program which, when executed by a processor, implements the steps of the payment verification method according to any one of claims 1 to 3.