CN109214801A - A kind of e-payment confirmation method, device and storage medium - Google Patents
A kind of e-payment confirmation method, device and storage medium Download PDFInfo
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- CN109214801A CN109214801A CN201810942736.9A CN201810942736A CN109214801A CN 109214801 A CN109214801 A CN 109214801A CN 201810942736 A CN201810942736 A CN 201810942736A CN 109214801 A CN109214801 A CN 109214801A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The invention discloses a kind of e-payment confirmation method, device and storage mediums, for improving the safety and reliability of e-payment especially graphic code payment.Electric paying method, including: the first user terminal sends electronic payment requests to network side server, and the first biological information for being paid for user of the first e-payment account identification for being paid for user and first user terminal acquisition is carried in the electronic payment requests；The server searches corresponding second biological information of the first e-payment account identification according to the first e-payment account identification in the e-payment account identification of foundation and the corresponding relationship of user biological characteristic information；The server first biological information and the second biological information；If the first biological information and the second biometric information matches, allow this e-payment；Otherwise, refuse this e-payment.
Description
Technical field
The present invention relates to e-payment technical fields more particularly to a kind of e-payment confirmation method, device and storage to be situated between
Matter.
Background technique
E-payment is also referred to as mobile payment, user using its mobile terminal (usually mobile phone) to the commodity consumed or
A kind of mode that service is paid.User is by mobile device, internet or short distance sensing directly or indirectly to bank
Financial institution or Third-party payment mechanism send payment instruction and generate currency payment and fund displacement behavior, to realize electronics
Payment function.E-payment blends terminal device, internet, application provider and financial institution, provides goods for user
The financial business such as coin payment, payment.
Two dimensional code payment is a kind of new generation of wireless payment scheme built based on system of account.In the means of payment
Under, businessman can be assembled into the Transaction Informations such as account, commodity price one two dimensional code and issue, and payment user passes through cell phone customer
End scans the two-dimensional code, and can realize payment and settlement.
Two dimensional code is paid while bringing convenience in payment for user, and there is also some security risks, for example, businessman issues
Two-dimensional barcode information replaced by illegal user from malicious, if the two-dimensional barcode information that is replaced of payment scanning input completes e-payment
Process, then to businessman pay expense will be transferred to illegal user electronic account in, it reduce the safety of e-payment
Property and reliability.
Summary of the invention
The embodiment of the present invention provides a kind of e-payment confirmation method, device and storage medium, for improving e-payment
The especially safety and reliability of graphic code payment.
In a first aspect, providing a kind of e-payment confirmation method, comprising:
First user terminal sends electronic payment requests to network side server, carry in the electronic payment requests by
The first biology for being paid for user of the first e-payment account identification and first user terminal acquisition that pay user is special
Reference breath；
The server is according to the first e-payment account identification, in the e-payment account identification of foundation and user
Corresponding second biological information of the first e-payment account identification is searched in the corresponding relationship of biological information；
The server first biological information and the second biological information；
If the first biological information and the second biometric information matches, allow this e-payment；Otherwise, it refuses
This exhausted e-payment.
Optionally, before the first user terminal sends electronic payment requests to network side server, further includes:
Second user terminal sends biological information bind request, the biological information binding to the server
The third biological information of the second e-payment account identification and second user terminal acquisition is carried in request；
The server establishes the corresponding pass between the second e-payment account identification and the third biological information
It is and stores.
Optionally, first biological information, second biological information or third biological information
Including any one of following: vocal print feature information, fingerprint feature information, iris feature information and facial image features information.
Second aspect provides another e-payment confirmation method, comprising:
The electronic payment requests of the first user terminal transmission are received, is carried in the electronic payment requests and is paid for user's
The first biological information for being paid for user of first e-payment account identification and first user terminal acquisition；
According to the first e-payment account identification, believe in the e-payment account identification and user biological feature of foundation
Corresponding second biological information of the first e-payment account identification is searched in the corresponding relationship of breath；
If the first biological information and the second biometric information matches, allow this e-payment；Otherwise, it refuses
This exhausted e-payment.
Optionally, before receiving the electronic payment requests that the first user terminal is sent, further includes:
The biological information bind request that second user terminal is sent is received, in the biological information bind request
Carry the third biological information of the second e-payment account identification and second user terminal acquisition；
The server establishes the corresponding pass between the second e-payment account identification and the third biological information
It is and stores.
Optionally, first biological information, second biological information or third biological information
Including any one of following: vocal print feature information, fingerprint feature information, iris feature information and facial image features information.
The third aspect provides a kind of e-payment confirmation device, comprising:
First receiving unit, for receiving the electronic payment requests of the first user terminal transmission, the electronic payment requests
Middle be paid for user for carrying the first e-payment account identification for being paid for user and first user terminal acquisition
One biological information；
Searching unit, for according to the first e-payment account identification, foundation e-payment account identification with
The corresponding second biological characteristic letter of the first e-payment account identification is searched in the corresponding relationship of user biological characteristic information
Breath；
Comparing unit is used for first biological information and the second biological information；
Electronic payment unit, for the comparison result according to the comparing unit, if the first biological information and
Two biometric information matches then allow this e-payment；Otherwise, refuse this e-payment.Optionally, the present invention is implemented
The e-payment that example provides confirms device, further includes:
Second receiving unit, for receiving the biological information bind request of second user terminal transmission, the biology
The first biology of the second e-payment account identification and second user terminal acquisition is carried in characteristic information bind request
Characteristic information；
Correspondence relationship establishing unit establishes the second e-payment account identification and third biology for the server
Corresponding relationship and storage between characteristic information.
Optionally, first biological information, second biological information or third biological information
Including any one of following: vocal print feature information, fingerprint feature information, iris feature information and facial image features information.
Fourth aspect provides a kind of computing device, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor, so that the processor executes
State step described in any e-payment confirmation method.
5th aspect, provides a kind of computer-readable storage medium, is stored with the calculating that can be executed by computing device
Machine program, when described program is run on the computing device, so that the computing device executes any of the above-described e-payment confirmation
Step described in method.
E-payment confirmation method, device, system and storage medium provided in an embodiment of the present invention, server are receiving
After paying the electronic payment requests that user submits, according to the e-payment account identification for being paid for user wherein carried, look into
In the biological information for looking for the e-payment account to bind and the electronic payment requests biological information that carries whether one
It causes, and determines whether to allow e-payment accordingly, in this way, if when the e-payment account identification for being paid for user is replaced,
It can detect that the e-payment account identification for being paid for user is inconsistent with pre-stored biological information and refuses accordingly
This payment absolutely, to improve the safety and reliability of e-payment.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention can be by written explanation
Specifically noted structure is achieved and obtained in book, claims and attached drawing.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present invention, constitutes a part of the invention, this hair
Bright illustrative embodiments and their description are used to explain the present invention, and are not constituted improper limitations of the present invention.In the accompanying drawings:
Fig. 1 is the application scenarios schematic diagram of the embodiment of the present invention；
Fig. 2 is corresponding between e-payment account identification and biological information according to establishing for mode of the embodiment of the present invention
The implementation process diagram of relationship；
Fig. 3 is the implementation process diagram according to the e-payment confirmation method of embodiment of the present invention；
Fig. 4 is the implementation process diagram according to the e-payment confirmation method of another embodiment of the present invention；
Fig. 5 is the structural schematic diagram that device is confirmed according to the e-payment of embodiment of the present invention；
Fig. 6 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific embodiment
In order to improve the safety and reliability of e-payment, the embodiment of the invention provides a kind of e-payment confirmation sides
Method, device and storage medium.
It should be noted that the user terminal in the present invention can be PC (full name in English: Personal
Computer, PC), tablet computer, personal digital assistant (Personal Digita l Assistant, PDA), personal communication
The user terminals such as business (full name in English: Personal Communication Service, PCS) phone, notebook and mobile phone,
Be also possible to the computer with mobile terminal, for example, it may be portable, pocket, hand-held, built-in computer or
Vehicle-mounted mobile device, the equipment that they can provide a user voice and/or data connectivity, and handed over wireless access network
Change language and/or data.
In addition, the specification and claims in the embodiment of the present invention and the term " first " in above-mentioned attached drawing, "
Two ", " third " and " the 4th " etc. are to be used to distinguish similar objects, without being used to describe a particular order or precedence order.
It should be understood that the data used in this way are interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition at this
In illustrate or description content other than sequence implement.
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
As shown in Figure 1, the application scenarios schematic diagram of its e-payment confirmation method provided for this law embodiment.Payment is used
Family 10 can pass through the electronics installed in user terminal 11 and user terminal 21 with user (i.e. businessman user) 20 is paid for respectively
Payment client terminal login service device 12, wherein client can be to be installed on user terminal, such as mobile phone, in tablet computer etc.
E-payment client.User terminal 11 can be the first user terminal involved in the embodiment of the present invention, and user terminal 21 can
Think and is paid for the second user terminal that user uses involved in the embodiment of the present invention.
It is communicatively coupled between user terminal 11 and user terminal 21 and server 12 by network, which can be
Local area network, wide area network etc..User terminal 11 can be portable equipment (such as: mobile phone, plate, laptop etc.), can also be with
For PC (PC, Personal Computer), server 12 can be capable of providing setting for electronic payment service to be any
It is standby.
Wherein, it payment user 10 and is paid for user 20 and is utilized respectively user terminal 11 and user terminal 21 by service
Device 12 registration obtain user name, server 12 store after user succeeds in registration user name and with pay user 10 and by
Pay the user password that user 20 is arranged and be used as authentication information, continuation payment user 10 be paid for user 20 and log on service
When device 12, server 12 returns to login page to client, pays user 10 and is paid for user 20 and steps on what client was shown
Record page input authentication information (i.e. user name and user password) simultaneously submits to server 12, and server 12, which compares user's submission, to be recognized
Whether the authentication information that stores one is shown and determines whether that user logs in when card information is with from user's registration.
User registration success and after opening e-payment account, biological information binding can be sent to server 12 and be asked
Ask, in the embodiment of the present invention, for guarantee e-payment safety, for being paid for user (i.e. businessman user), its request
After opening the success of e-payment account, its biological information can be bound.It should be noted that the biological information can
Think following any: vocal print feature information, fingerprint feature information, iris feature information and facial image features information.Especially
Ground, biological information involved in the embodiment of the present invention can be facial image features information.
Based on this, in the embodiment of the present invention, e-payment account identification and biological characteristic can be established according to following below scheme
Corresponding relationship between information, as shown in Fig. 2, may comprise steps of:
S21, server receive the biological information bind request that second user terminal is sent.
Wherein, the second e-payment account identification is carried in biological information bind request and the second user is whole
Hold the third biological information of acquisition.
When it is implemented, be paid for user need to open e-payment account success after, can also further to
Server sends biological information bind request, wherein carrying the terminal device for being paid for the currently used terminal device of user
Mark is with it using the biological information for being paid for account, and wherein biological information can be carried out by second user terminal
Acquisition, can be the vocal print feature information for being paid for user, fingerprint feature information, iris feature information and facial image features
Information.When it is implemented, different information can be acquired according to the hardware configuration feature of second user terminal, for example, can lead to
Cross facial image features information and iris feature information that camera acquisition is paid for user；Quilt is acquired by fingerprint acquisition device
The fingerprint feature information etc. of user is paid, the embodiment of the present invention is to this without limiting.
S22, server establish the corresponding pass between the second e-payment account identification and the third biological information
It is and stores.
So far, the binding process of e-payment account identification and biological information is completed, as shown in table 1, for clothes
A kind of possible data structure of corresponding relationship between the e-payment account identification and biological information of business device storage is shown
Meaning:
Table 1
| Register user name | E-payment account identification | Biological information |
Wherein, e-payment account identification and biological information are one-to-one relationships.It is open-minded being paid for user
After e-payment account, graphic code can be generated for the e-payment account opened, which can be two dimensional code,
It is paid for issue after user obtains the two dimensional code, wherein include the e-payment account mark in the graphic code of generation
Know, payment user is paid for the graphic code of user's offer by scanning, can pay expense to user is paid for.
Based on this, the embodiment of the invention provides a kind of electric paying methods, as shown in figure 3, it is the embodiment of the present invention
The implementation process diagram of the electric paying method of offer, may comprise steps of:
S31, server receive the electronic payment requests that the first user terminal is sent.
Wherein, the first e-payment account identification for being paid for user and described first is carried in electronic payment requests to use
The first biological information for being paid for user of family terminal acquisition.First e-payment account identification is logical for the first user terminal
What the graphic code that overscanning is paid for user's publication obtained.
Wherein, if biological information be facial image features information or iris feature information, when it is implemented,
First user terminal can be the terminal devices such as the mobile phone with dual camera, be propped up using the scanning of one of camera
While paying the graphic code of user's publication, the facial image features information of user is paid for using the acquisition of another camera.
And if biological information is fingerprint feature information or vocal print feature information, the first user terminal is scanning
After graphic code, prompts payment user that please be paid for user and input finger print information or typing voiceprint.
In this way, obtaining e-payment account information (the first electronics i.e. in the embodiment of the present invention for being paid for user
Payment account information) and be paid for after the biological information of user, it carries be sent to clothes in electronic payment requests together
Business device.
First user terminal involved in the embodiment of the present invention is the first user terminal for paying user and using.
S32, server are according to the first e-payment account identification, in the e-payment account identification of foundation and user
Corresponding second biological information of the first e-payment account identification is searched in the corresponding relationship of biological information.
S33, server judge whether the first biological information matches with second biological information, if so,
S34 is thened follow the steps, if not, thening follow the steps S35.
Specifically, server first biological information and the second biological information, judge described first
Whether biological information matches with second biological information
S34, allow this payment, process terminates.
S35, refuse this payment, process terminates.
In e-payment confirmation method provided in an embodiment of the present invention, server is in the electronics for receiving payment user's submission
After payment request, according to the e-payment account identification for being paid for user wherein carried, searches the e-payment account and tie up
Whether the biological information carried in fixed biological information and the electronic payment requests is consistent, and determines whether to permit accordingly
Perhaps e-payment, in this way, if can detect to be paid for accordingly when the e-payment account identification for being paid for user is replaced
The e-payment account identification of user is inconsistent with pre-stored biological information and refuses this payment, to improve
The safety and reliability of e-payment.
Based on the same inventive concept, a kind of e-payment confirmation side of server implementation is additionally provided in the embodiment of the present invention
Method and device, since the principle that the above method and device solve the problems, such as is similar to above-mentioned electric paying method, server
The implementation of the e-payment confirmation method and device of implementation may refer to the implementation of the above method, and overlaps will not be repeated.
As shown in figure 4, it is the implementing procedure of server implementation e-payment confirmation method provided in an embodiment of the present invention
Schematic diagram, comprising the following steps:
S41, the electronic payment requests that the first user terminal is sent are received.
Wherein, the first e-payment account identification for being paid for user and first user are carried in electronic payment requests
The first biological information for being paid for user of terminal acquisition.
S42, according to the first e-payment account identification, it is special in the e-payment account identification and user biological of foundation
Corresponding second biological information of the first e-payment account identification is searched in the corresponding relationship of reference breath.
S43, judge whether first biological information matches with second biological information, if it is,
Step S44 is executed, if not, thening follow the steps S485.
In this step, server first biological information and the second biological information judge described
Whether one biological information matches with second biological information.
S44, allow this payment, process terminates.
S45, refuse this payment, process terminates.
As shown in figure 5, it confirms the structural schematic diagram of device for e-payment provided in an embodiment of the present invention, comprising:
First receiving unit 51, for receiving the electronic payment requests of the first user terminal transmission, the e-payment is asked
Ask it is middle carry be paid for user the first e-payment account identification and first user terminal acquisition be paid for user's
First biological information；
Searching unit 52 is used for according to the first e-payment account identification, in the e-payment account identification of foundation
The second biological characteristic corresponding with the first e-payment account identification is searched in the corresponding relationship of user biological characteristic information
Information；
Comparing unit 53 is used for first biological information and the second biological information；
Electronic payment unit 54, for the comparison result according to the comparing unit, if the first biological information with
Second biometric information matches then allow this e-payment；Otherwise, refuse this e-payment.Optionally, the present invention is real
The e-payment confirmation device of example offer is provided, further includes:
Second receiving unit, for receiving the biological information bind request of second user terminal transmission, the biology
The first biology of the second e-payment account identification and second user terminal acquisition is carried in characteristic information bind request
Characteristic information；
Correspondence relationship establishing unit establishes the second e-payment account identification and third biology for the server
Corresponding relationship and storage between characteristic information.
Optionally, first biological information, second biological information or third biological information
Including any one of following: vocal print feature information, fingerprint feature information, iris feature information and facial image features information.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement to realize the function of each module (or unit) in same or multiple softwares or hardware when the present invention.
After the e-payment confirmation method and device for describing exemplary embodiment of the invention, next, introducing
The computing device of another exemplary embodiment according to the present invention.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, it may be assumed that complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
In some possible embodiments, computing device according to the present invention can include at least at least one processing
Device and at least one processor.Wherein, the memory is stored with program code, when said program code is by the processing
When device executes, so that the processor executes the electricity of the illustrative embodiments various according to the present invention of this specification foregoing description
Step in sub- payment affirmation method.For example, the processor can execute step S31 as shown in Figure 3, server receives
Electronic payment requests and step S32 that first user terminal is sent, server according to the first e-payment account identification,
The first e-payment account is searched in the e-payment account identification of foundation and the corresponding relationship of user biological characteristic information
Family identifies corresponding second biological information；Step S33, server judges the first biological information and second biology
Whether characteristic information matches, if so, S34 is thened follow the steps, if not, thening follow the steps S35；Step S34, allow this branch
It pays, process terminates, and step S35, refuses this payment, and process terminates.
The computing device 60 of this embodiment according to the present invention is described referring to Fig. 6.The calculating dress that Fig. 6 is shown
Setting 60 is only an example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in fig. 6, computing device 60 is showed in the form of universal computing device.The component of computing device 60 may include
But it is not limited to: at least one above-mentioned processor 61, above-mentioned at least one processor 62, (including the storage of the different system components of connection
Device 62 and processor 61) bus 63.
Bus 63 indicates one of a few class bus structures or a variety of, including memory bus or Memory Controller,
Peripheral bus, processor or the local bus using any bus structures in a variety of bus structures.
Memory 62 may include the readable medium of form of volatile memory, such as random access memory (RAM) 621
And/or cache memory 622, it can further include read-only memory (ROM) 623.
Memory 62 can also include program/utility 625 with one group of (at least one) program module 624, this
The program module 624 of sample includes but is not limited to: operating system, one or more application program, other program modules and journey
It may include the realization of network environment in ordinal number evidence, each of these examples or certain combination.
Computing device 60 can also be communicated with one or more external equipments 64 (such as keyboard, sensing equipment etc.), may be used also
Enable a user to the equipment interacted with computing device 60 communication with one or more, and/or with enable the computing device 60
Any equipment (such as router, modem etc.) communicated with one or more of the other calculating equipment communicates.This
Kind communication can be carried out by input/output (I/O) interface 65.Also, computing device 60 can also pass through network adapter 66
With one or more network (such as local area network (LAN), wide area network (WAN) and/or public network, such as internet) communication.
As shown, network adapter 66 is communicated by bus 63 with other modules for computing device 60.It will be appreciated that though figure
In be not shown, can in conjunction with computing device 60 use other hardware and/or software module, including but not limited to: microcode, equipment
Driver, redundant processor, external disk drive array, RAID system, tape drive and data backup storage system etc..
In some possible embodiments, the various aspects of e-payment confirmation method provided by the invention can also be real
It is now a kind of form of program product comprising program code, it is described when described program product is run on a computing device
The exemplary embodiment party various according to the present invention that program code is used to that the computer equipment to be made to execute this specification foregoing description
Step in the e-payment confirmation method of formula, for example, the computer equipment can execute step S31 as shown in Figure 3,
Server receives the electronic payment requests that the first user terminal is sent and step S32, server according to first e-payment
Account identification searches first electricity in the e-payment account identification of foundation and the corresponding relationship of user biological characteristic information
Sub- payment account identifies corresponding second biological information；Step S33, server judge the first biological information with it is described
Whether the second biological information matches, if so, S34 is thened follow the steps, if not, thening follow the steps S35；Step S34, permit
Perhaps this pays, and process terminates, and step S35, refuses this payment, process terminates.
Described program product can be using any combination of one or more readable mediums.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or any above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes: the electrical connection with one or more conducting wires, portable disc, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The program product for e-payment confirmation of embodiments of the present invention can be read-only using portable compact disc
Memory (CD-ROM) and including program code, and can run on the computing device.However, program product of the invention is unlimited
In this, in this document, readable storage medium storing program for executing can be any tangible medium for including or store program, which can be referred to
Enable execution system, device or device use or in connection.
Readable signal medium may include in a base band or as the data-signal that carrier wave a part is propagated, wherein carrying
Readable program code.The data-signal of this propagation can take various forms, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind --- including local area network (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
It should be noted that although being referred to several unit or sub-units of device in the above detailed description, this stroke
It point is only exemplary not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
The feature and function of unit can embody in a unit.Conversely, the feature and function of an above-described unit can
It is to be embodied by multiple units with further division.
In addition, although describing the operation of the method for the present invention in the accompanying drawings with particular order, this do not require that or
Hint must execute these operations in this particular order, or have to carry out shown in whole operation be just able to achieve it is desired
As a result.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or by one
Step is decomposed into execution of multiple steps.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications can be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (11)
1. a kind of e-payment confirmation method characterized by comprising
First user terminal sends electronic payment requests to network side server, carries and is paid in the electronic payment requests
The the first biological characteristic letter for being paid for user of the first e-payment account identification of user and first user terminal acquisition
Breath；
The server is according to the first e-payment account identification, in the e-payment account identification and user biological of foundation
Corresponding second biological information of the first e-payment account identification is searched in the corresponding relationship of characteristic information；
The server first biological information and the second biological information；
If the first biological information and the second biometric information matches, allow this e-payment；Otherwise, refuse this
Secondary e-payment.
2. the method as described in claim 1, which is characterized in that send electronics branch to network side server in the first user terminal
It pays before requesting, further includes:
Second user terminal sends biological information bind request, the biological information bind request to the server
In carry the second e-payment account identification and the second user terminal acquisition third biological information；
The server establishes the corresponding relationship between the second e-payment account identification and the third biological information simultaneously
Storage.
3. method according to claim 1 or 2, which is characterized in that first biological information, second biology are special
Reference breath or third biological information include any one of following: vocal print feature information, fingerprint feature information, iris feature letter
Breath and facial image features information.
4. a kind of e-payment confirmation method characterized by comprising
The electronic payment requests of the first user terminal transmission are received, is carried in the electronic payment requests and is paid for the first of user
The first biological information for being paid for user of e-payment account identification and first user terminal acquisition；
According to the first e-payment account identification, in e-payment account identification and the user biological characteristic information of foundation
Corresponding second biological information of the first e-payment account identification is searched in corresponding relationship；
If the first biological information and the second biometric information matches, allow this e-payment；Otherwise, refuse this
Secondary e-payment.
5. method as claimed in claim 4, which is characterized in that receive the first user terminal send electronic payment requests it
Before, further includes:
The biological information bind request that second user terminal is sent is received, is carried in the biological information bind request
There is the third biological information of the second e-payment account identification and second user terminal acquisition；
The server establishes the corresponding relationship between the second e-payment account identification and the third biological information simultaneously
Storage.
6. method as described in claim 4 or 5, which is characterized in that first biological information, second biology are special
Reference breath or third biological information include any one of following: vocal print feature information, fingerprint feature information, iris feature letter
Breath and facial image features information.
7. a kind of e-payment confirms device characterized by comprising
First receiving unit is taken in the electronic payment requests for receiving the electronic payment requests of the first user terminal transmission
Band is paid for the first e-payment account identification of user and the first life for being paid for user of first user terminal acquisition
Object characteristic information；
Searching unit is used for according to the first e-payment account identification, in the e-payment account identification of foundation and user
Corresponding second biological information of the first e-payment account identification is searched in the corresponding relationship of biological information；
Comparing unit is used for first biological information and the second biological information；
Electronic payment unit, for the comparison result according to the comparing unit, if the first biological information and the second life
The matching of object characteristic information, then allow this e-payment；Otherwise, refuse this e-payment.
8. device as claimed in claim 7, which is characterized in that further include:
Second receiving unit, for receiving the biological information bind request of second user terminal transmission, the biological characteristic
The first biological characteristic of the second e-payment account identification and second user terminal acquisition is carried in information bind request
Information；
Correspondence relationship establishing unit establishes the second e-payment account identification and the third biological characteristic for the server
Corresponding relationship and storage between information.
9. device as claimed in claim 7 or 8, which is characterized in that first biological information, second biology are special
Reference breath or third biological information include any one of following: vocal print feature information, fingerprint feature information, iris feature letter
Breath and facial image features information.
10. a kind of computing device, which is characterized in that including at least one processor and at least one processor, wherein institute
It states memory and is stored with computer program, when described program is executed by the processor, so that the processor perform claim
It is required that the step of 4,5 or 6 the method.
11. a kind of computer-readable storage medium, which is characterized in that it is stored with the computer journey that can be executed by computing device
Sequence, when described program is run on the computing device, so that the computing device perform claim requires 4,5 or 6 the methods
Step.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810942736.9A CN109214801B (en) | 2018-08-17 | 2018-08-17 | Electronic payment confirmation method, device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810942736.9A CN109214801B (en) | 2018-08-17 | 2018-08-17 | Electronic payment confirmation method, device and storage medium |
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| Publication Number | Publication Date |
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| CN109214801A true CN109214801A (en) | 2019-01-15 |
| CN109214801B CN109214801B (en) | 2022-01-11 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810942736.9A Active CN109214801B (en) | 2018-08-17 | 2018-08-17 | Electronic payment confirmation method, device and storage medium |
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| CN111340504A (en) * | 2020-03-10 | 2020-06-26 | 北京意锐新创科技有限公司 | Payment method and device suitable for payment equipment |
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|---|---|
| CN109214801B (en) | 2022-01-11 |
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