CN109214811A - A kind of method of payment and equipment and computer readable storage medium - Google Patents

A kind of method of payment and equipment and computer readable storage medium Download PDF

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Publication number
CN109214811A
CN109214811A CN201810852142.9A CN201810852142A CN109214811A CN 109214811 A CN109214811 A CN 109214811A CN 201810852142 A CN201810852142 A CN 201810852142A CN 109214811 A CN109214811 A CN 109214811A
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Prior art keywords
payment
mentioned
information
connection state
default
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Granted
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CN201810852142.9A
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CN109214811B (en
Inventor
王蕾
何世强
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Nubia Technology Co Ltd
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Nubia Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • 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
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

The embodiment of the invention discloses a kind of method of payment and equipment and computer readable storage medium, method of payment includes: verification data to be obtained, according to check number it is judged that whether carrying out payment processing after receiving payment request；Wherein, payment request carries payment information；It verifies data and is used for the judgement whether legal to payment devices；When determining to carry out payment processing, current connection state is determined；Wherein, current connection state is used to characterize the communication connection state between equipment and default terminal；When current connection state is not connected, payment request is responded, stores payment information；After payment devices are connect with default terminal, payment information is sent by default terminal.Method of payment provided in an embodiment of the present invention can effectively improve the mobile payment success rate of wearable intelligent equipment, further increase intelligence.

Description

A kind of method of payment and equipment and computer readable storage medium
Technical field
The present invention relates to payment technical field more particularly to a kind of method of payment and equipment and computer readable storage mediums.
Background technique
Wearable intelligent equipment is to carry out intelligentized design to daily wearing using wearable technology, develop and can dress Equipment general name, such as glasses, gloves, wrist-watch, dress ornament and shoes.With the continuous development of wearable technology, wearable intelligent The application of equipment and function are also more and more extensive.Wherein, mobile payment function is also gradually used by a user, due to wearable intelligent Equipment is worn on, and therefore, is carried out mobile payment by wearable intelligent equipment, can be made to avoid user The troublesome operation that must take out mobile terminal when being paid the bill with mobile terminal, reduces the intelligence of wearable intelligent equipment.
Although user does not need the default terminal that will establish connection when carrying out mobile payment using wearable intelligent equipment It takes out, still, wearable intelligent equipment needs first to establish wireless communication connection with the default terminal, meanwhile, need this default eventually End is in network connection state.As it can be seen that in the prior art, when wearable intelligent equipment does not set up connection with default terminal, or Person presets terminal in no net state, and wearable intelligent equipment can not all be normally carried out mobile payment, reduce mobile payment Success rate, intelligence are lower.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of method of payment and equipment and computer readable storage medium, energy The mobile payment success rate for enough effectively improving wearable intelligent equipment, further increases intelligence.
In order to achieve the above objectives, the technical solution of the embodiment of the present invention is achieved in that
The embodiment of the invention provides a kind of methods of payment, comprising:
After receiving payment request, verification data are obtained, according to the check number it is judged that whether carrying out payment processing； Wherein, the payment request carries payment information；The verification data are used for the judgement whether legal to payment devices；
When determining to carry out the payment processing, current connection state is determined；Wherein, the current connection state is used for table Levy the communication connection state between the payment devices and default terminal；
When the current connection state is not connected, the payment request is responded, stores the payment information, is obtained The payment information of storage；
After the payment devices are connect with the default terminal, sent by the default terminal described stored Payment information.
In the above scheme, the response payment request, stores the payment information, obtains stored disbursement letter After breath, the method also includes:
Transmission prestores facility information；Wherein, the facility information that prestores is for characterizing the identity information of payer, for branch It pays requesting party and authentication is carried out to the payer.
In the above scheme, after the determining current connection state, the method also includes:
When the current connection state is to have connected, the payment request is responded, is directly sent out by the default terminal Send the payment information.
In the above scheme, the acquisition verifies data, comprising:
Read body temperature parameter, hrv parameter, Fingerprint Model and biological model；
According to the temperature parameter, the hrv parameter, the Fingerprint Model and the biological model, the school is obtained Test data.
In the above scheme, it is described according to the check number it is judged that whether carrying out payment processing, comprising:
Obtain default verification threshold value；
When the verification data are more than or equal to the default verification threshold value, determine to carry out the payment processing；
When the verification data are less than the default verification threshold value, determine without the payment processing.
In the above scheme, described according to the temperature parameter, the hrv parameter, the Fingerprint Model and the life Object model obtains the verification data, comprising:
The first check value is obtained according to the temperature parameter and pre-stored reference temperature；According to the hrv parameter and prestore ginseng It examines heart rate and obtains the second check value；Third check value is obtained according to the Fingerprint Model and pre-stored reference fingerprint；And according to institute It states biological model and pre-stored reference feature obtains the 4th check value；
According to first check value, second check value, the third check value and the 4th check value, really The fixed verification data.
In the above scheme, before the transmission prestores facility information, the method also includes:
Receive verifying password；
When the verifying password is identical as password is prestored, facility information is prestored described in acquisition.
In the above scheme, it is described according to the check number it is judged that the method is also after whether carrying out payment processing Include:
When determining without the payment processing, the payment information is deleted.
The embodiment of the invention provides a kind of payment devices, the payment devices include: processor, memory and communication Bus；The communication bus is for realizing the connection communication between the processor and the memory；The processor is used for The data transmission program stored in the memory is executed, to realize method of payment as described above.
The embodiment of the invention provides a kind of computer readable storage medium, the computer-readable recording medium storage has One or more program, one or more of programs can be executed by one or more processor, to realize institute as above The method of payment stated.
In the technical solution of the embodiment of the present invention, payment devices obtain verification data after receiving payment request, according to Whether check number is it is judged that carry out payment processing；Wherein, payment request carries payment information；Verification data are for setting payment It is standby whether legal judgement；When determining to carry out payment processing, current connection state is determined；Wherein, current connection state is used for Characterize the communication connection state between equipment and default terminal；When current connection state is not connected, payment request is responded, is deposited Store up payment information；After payment devices are connect with default terminal, payment information is sent by default terminal.It can be seen that this A kind of method of payment that inventive embodiments provide, when payment devices do not establish connection with default terminal, which can First to respond payment request, and the payment information in payment request is stored, once payment devices and default terminal are established Connection can be sent stored payment information by default terminal, so as to payment devices and it is default eventually When end does not set up connection, alternatively, default terminal is in no net state, equipment of guaranteeing payment is normally carried out mobile payment, effectively The mobile payment success rate for improving wearable intelligent equipment, further increases intelligence.
Detailed description of the invention
A kind of hardware structural diagram of Fig. 1 optional mobile terminal of each embodiment to realize the present invention；
Fig. 2 is a kind of communications network system architecture diagram provided in an embodiment of the present invention；
Fig. 3 is the implementation process schematic diagram one for the method for payment that the embodiment of the present invention proposes；
Fig. 4 is the schematic diagram of equipment during the present invention is implemented；
Fig. 5 is the schematic diagram that terminal is preset during the present invention is implemented；
Fig. 6 is the implementation process schematic diagram two for the method for payment that the embodiment of the present invention proposes；
Fig. 7 is the implementation process schematic diagram three for the method for payment that the embodiment of the present invention proposes；
Fig. 8 is the implementation process schematic diagram four for the method for payment that the embodiment of the present invention proposes；
Fig. 9 is the implementation process schematic diagram five for the method for payment that the embodiment of the present invention proposes；
Figure 10 is the schematic diagram that equipment detects biological model in the embodiment of the present invention；
Figure 11 is the implementation process schematic diagram six for the method for payment that the embodiment of the present invention proposes；
Figure 12 is the implementation process schematic diagram seven for the method for payment that the embodiment of the present invention proposes；
Figure 13 is the composed structure schematic diagram for the payment devices that the embodiment of the present invention proposes.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In subsequent description, it is only using the suffix for indicating such as " module ", " component " or " unit " of element Be conducive to explanation of the invention, itself there is no a specific meaning.Therefore, " module ", " component " or " unit " can mix Ground uses.
Terminal can be implemented in a variety of manners.For example, terminal described in the present invention may include such as mobile phone, plate Computer, laptop, palm PC, personal digital assistant (Personal Digital Assistant, PDA), portable Media player (Portable Media Player, PMP), navigation device, wearable device, Intelligent bracelet, pedometer etc. move The fixed terminals such as dynamic terminal, and number TV, desktop computer.
It will be illustrated by taking mobile terminal as an example in subsequent descriptions, it will be appreciated by those skilled in the art that in addition to special Except element for moving purpose, the construction of embodiment according to the present invention can also apply to the terminal of fixed type.
Referring to Fig. 1, its to realize the present invention a kind of optional mobile terminal of each embodiment hardware configuration signal Figure, which may include: radio frequency (Radio Frequency, RF) unit 101, Wireless Fidelity (WIreless- Fidelity, Wi-Fi) it is module 102, audio output unit 103, audio/video (A/V) input unit 104, sensor 105, aobvious Show the components such as unit 106, user input unit 107, interface unit 108, memory 109, processor 110 and power supply 111. It will be understood by those skilled in the art that mobile terminal structure shown in Fig. 1 does not constitute the restriction to mobile terminal, it is mobile whole End may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
It is specifically introduced below with reference to all parts of the Fig. 1 to mobile terminal:
Radio frequency unit 101 can be used for receiving and sending messages or communication process in, signal sends and receivees, specifically, by base station Downlink information receive after, to processor 110 handle；In addition, by the brightness regulation of uplink to base station.In general, radio frequency unit 101 Including but not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier, duplexer etc..In addition, penetrating Frequency unit 101 can also be communicated with network and other equipment by wireless communication.Any communication can be used in above-mentioned wireless communication Standard or agreement, including but not limited to global system for mobile communications (Global System of Mobile Communication, GSM), general packet radio service (General Packet Radio Service, GPRS), code it is point more Location 2000 (Code Division Multiple Access 2000, CDMA2000), wideband code division multiple access (Wideband Code Division Multiple Access, WCDMA), TD SDMA (Time Division- Synchronous Code Division Multiple Access, TD-SCDMA), frequency division duplex long term evolution (Frequency Division Duplexing-Long Term Evolution, FDD-LTE) and time division duplex long term evolution (Time Division Duplexing-Long Term Evolution, TDD-LTE) etc..
Wi-Fi belongs to short range wireless transmission technology, and mobile terminal can help user to receive and dispatch by Wi-Fi module 102 Email, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Fig. 1 Wi-Fi module 102 is shown, but it is understood that, and it is not belonging to must be configured into for mobile terminal, it completely can basis It needs to omit within the scope of not changing the essence of the invention.
Audio output unit 103 can be in call signal reception pattern, call mode, record mould in mobile terminal 100 When under the isotypes such as formula, speech recognition mode, broadcast reception mode, by radio frequency unit 101 or Wi-Fi module 102 it is received or The audio data that person stores in memory 109 is converted into audio signal and exports to be sound.Moreover, audio output unit 103 can also provide executed to mobile terminal 100 the relevant audio output of specific function (for example, call signal receive sound, Message sink sound etc.).Audio output unit 103 may include loudspeaker, buzzer etc..
A/V input unit 104 is for receiving audio or video signal.A/V input unit 104 may include graphics processor (Graphics Processing Unit, GPU) 1041 and microphone 1042, graphics processor 1041 is in video acquisition mode Or the image data of the static images or video obtained in image capture mode by image capture apparatus (such as camera) carries out Reason.Treated, and picture frame may be displayed on display unit 106.Through graphics processor 1041, treated that picture frame can be deposited Storage is sent in memory 109 (or other storage mediums) or via radio frequency unit 101 or Wi-Fi module 102.Mike Wind 1042 can connect in telephone calling model, logging mode, speech recognition mode etc. operational mode via microphone 1042 Quiet down sound (audio data), and can be audio data by such acoustic processing.Audio that treated (voice) data can To be converted to the format output that can be sent to mobile communication base station via radio frequency unit 101 in the case where telephone calling model. Microphone 1042 can be implemented various types of noises elimination (or inhibition) algorithms and send and receive sound to eliminate (or inhibition) The noise generated during frequency signal or interference.
Mobile terminal 100 further includes at least one sensor 105, such as optical sensor, motion sensor and other biographies Sensor.Specifically, optical sensor includes ambient light sensor and proximity sensor, wherein ambient light sensor can be according to environment The light and shade of light adjusts the brightness of display panel 1061, and proximity sensor can close when mobile terminal 100 is moved in one's ear Display panel 1061 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (general For three axis) size of acceleration, it can detect that size and the direction of gravity when static, can be used to identify the application of mobile phone posture (such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, percussion) etc.； The fingerprint sensor that can also configure as mobile phone, pressure sensor, iris sensor, molecule sensor, gyroscope, barometer, The other sensors such as hygrometer, thermometer, infrared sensor, details are not described herein.
Display unit 106 is for showing information input by user or being supplied to the information of user.Display unit 106 can wrap Display panel 1061 is included, liquid crystal display (Liquid Crystal Display, LCD), Organic Light Emitting Diode can be used Forms such as (Organic Light-Emitting Diode, OLED) configure display panel 1061.
User input unit 107 can be used for receiving the number or character information of input, and generate the use with mobile terminal Family setting and the related key signals input of function control.Specifically, user input unit 107 may include touch panel 1071 with And other input equipments 1072.Touch panel 1071, also referred to as touch screen collect the touch operation of user on it or nearby (for example user uses any suitable objects or attachment such as finger, stylus on touch panel 1071 or in touch panel 1071 Neighbouring operation), and corresponding attachment device is driven according to preset formula.Touch panel 1071 may include touch detection Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band The signal come, transmits a signal to touch controller；Touch controller receives touch information from touch detecting apparatus, and by it It is converted into contact coordinate, then gives processor 110, and order that processor 110 is sent can be received and executed.In addition, can To realize touch panel 1071 using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch panel 1071, user input unit 107 can also include other input equipments 1072.Specifically, other input equipments 1072 can wrap It includes but is not limited in physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick etc. It is one or more, specifically herein without limitation.
Further, touch panel 1071 can cover display panel 1061, when touch panel 1071 detect on it or After neighbouring touch operation, processor 110 is sent to determine the type of touch event, is followed by subsequent processing device 110 according to touch thing The type of part provides corresponding visual output on display panel 1061.Although in Fig. 1, touch panel 1071 and display panel 1061 be the function that outputs and inputs of realizing mobile terminal as two independent components, but in certain embodiments, it can The function that outputs and inputs of mobile terminal is realized so that touch panel 1071 and display panel 1061 is integrated, is not done herein specifically It limits.
Interface unit 108 be used as at least one external device (ED) connect with mobile terminal 100 can by interface.For example, External device (ED) may include wired or wireless headphone port, external power supply (or battery charger) port, wired or nothing Line data port, memory card port, the port for connecting the device with identification module, audio input/output (I/O) end Mouth, video i/o port, ear port etc..Interface unit 108 can be used for receiving the input from external device (ED) (for example, number It is believed that breath, electric power etc.) and the input received is transferred to one or more elements in mobile terminal 100 or can be with For transmitting data between mobile terminal 100 and external device (ED).
Memory 109 can be used for storing software program and various data.Memory 109 can mainly include storing program area The storage data area and, wherein storing program area can (such as the sound of application program needed for storage program area, at least one function Sound playing function, image player function etc.) etc.；Storage data area can store according to mobile phone use created data (such as Audio data, phone directory etc.) etc..In addition, memory 109 may include high-speed random access memory, it can also include non-easy The property lost memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts.
Processor 110 is the control centre of mobile terminal, utilizes each of various interfaces and the entire mobile terminal of connection A part by running or execute the software program and/or module that are stored in memory 109, and calls and is stored in storage Data in device 109 execute the various functions and processing data of mobile terminal, to carry out integral monitoring to mobile terminal.Place Managing device 110 may include one or more processing units；Preferably, processor 110 can integrate application processor and modulatedemodulate is mediated Manage device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is main Processing wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 110.
Mobile terminal 100 can also include the power supply 111 (such as battery) powered to all parts, it is preferred that power supply 111 Can be logically contiguous by power-supply management system and processor 110, to realize management charging by power-supply management system, put The functions such as electricity and power managed.
Although Fig. 1 is not shown, mobile terminal 100 can also be including bluetooth module etc., and details are not described herein.
Embodiment to facilitate the understanding of the present invention, the communications network system that mobile terminal of the invention is based below into Row description.
Referring to Fig. 2, Fig. 2 is a kind of communications network system architecture diagram provided in an embodiment of the present invention, the communication network system System is the LTE system of universal mobile communications technology, which includes the user equipment (User of successively communication connection Equipment, UE) 201, evolved UMTS Terrestrial radio access network (EvolvedUMTS Terrestrial Radio Access Network, E-UTRAN) 202, evolved packet-based core networks (Evolved Packet Core, EPC) 203 and operation The IP operation 204 of quotient.
Specifically, UE201 can be above equipment 100, and details are not described herein again.
E-UTRAN202 includes eNodeB2021 and other eNodeB2022 etc..Wherein, eNodeB2021 can be by returning Journey (backhaul) (such as X2 interface) is connect with other eNodeB2022, and eNodeB2021 is connected to EPC203, ENodeB2021 can provide the access of UE201 to EPC203.
EPC203 may include mobility management entity (Mobility Management Entity, MME) 2031, ownership Client server (Home Subscriber Server, HSS) 2032, other MME2033, gateway (Serving Gate Way, SGW) 2034, grouped data network gateway (PDN Gate Way, PGW) 2035 and policy and rate functional entity (Policy and Charging Rules Function, PCRF) 2036 etc..Wherein, MME2031 be processing UE201 and The control node of signaling, provides carrying and connection management between EPC203.HSS2032 is all to manage for providing some registers Such as the function of home location register (not shown) etc, and preserves some related service features, data rates etc. and use The dedicated information in family.All customer data can be sent by SGW2034, and PGW2035 can provide the IP of UE 201 Address distribution and other functions, PCRF2036 are strategy and the charging control strategic decision-making of business data flow and IP bearing resource Point, it selects and provides available strategy and charging control decision with charge execution function unit (not shown) for strategy.
IP operation 204 may include internet, Intranet, IP multimedia subsystem (IP Multimedia Subsystem, IMS) or other IP operations etc..
Although above-mentioned be described by taking LTE system as an example, those skilled in the art should know the present invention is not only Suitable for LTE system, be readily applicable to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA with And the following new network system etc., herein without limitation.
Based on above-mentioned mobile terminal hardware configuration and communications network system, each embodiment of the method for the present invention is proposed.
Embodiment one
Fig. 3 is the implementation process schematic diagram one for the method for payment that the embodiment of the present invention proposes, if Fig. 3 shows, of the invention In embodiment, the method that terminal is paid be may comprise steps of:
Step 101, after receiving payment request, obtain verification data, according to check number it is judged that whether being paid Processing.
In an embodiment of the present invention, payment devices can first receive payment request, then receive above-mentioned payment request Later, verification data are obtained, and according to above-mentioned check number it is judged that whether carrying out payment processing.
It should be noted that in an embodiment of the present invention, above-mentioned payment devices can be for wireless connecting function Wearable intelligent equipment, for example, above-mentioned payment devices can be intelligent glasses, Intelligent glove, Intelligent bracelet, smartwatch, intelligence It can dress ornament and intelligent shoe etc..
Fig. 4 is the schematic diagram of equipment during the present invention is implemented, as shown in figure 4, the payment devices are Intelligent bracelet, user can be with Intelligent bracelet is worn in wrist.
Further, in an embodiment of the present invention, above-mentioned payment devices can be established with default terminal and are wirelessly connected, on Stating default terminal can be the terminal with wireless connecting function and network connecting function, for example, above-mentioned default terminal can be Smart phone, tablet computer, portable intelligent device etc..
Fig. 5 is the schematic diagram that terminal is preset during the present invention is implemented, as shown in figure 5, the default terminal is smart phone, user Multiple equipment can be wirelessly connected with smart phone respectively.
It should be noted that in an embodiment of the present invention, above-mentioned payment devices wirelessly connect with above-mentioned default terminal foundation After connecing, can be used for motion monitoring, timing, interacted with above-mentioned default terminal, medical treatment & health monitoring and payment etc..
Further, in an embodiment of the present invention, payment information can be carried in above-mentioned payment request, specifically, The above-mentioned payment information carried in above-mentioned payment request may include: payment amount, request time, merchant information etc..
Further, in an embodiment of the present invention, above-mentioned payment devices can receive above-mentioned payment by a variety of methods and ask It asks, for example, above-mentioned payment devices can receive above-mentioned payment request by scanning the two-dimensional code, it can also be logical by near radio News technology (Near Field Communication, NFC) receives above-mentioned payment request.
Further, in an embodiment of the present invention, above-mentioned payment devices are after receiving above-mentioned payment request, Ke Yixian Verification data are obtained, then further according to above-mentioned check number it is judged that whether carrying out payment processing.Specifically, above-mentioned verification data can To determine for whether legal to above-mentioned payment devices.
It should be noted that in an embodiment of the present invention, above-mentioned verification data can detect for above-mentioned payment devices User various features parameter, for example, above-mentioned verification data can for wear or using above-mentioned payment devices user Body temperature adopts at least one of parameter, hrv parameter, Fingerprint Model and biological model data, and above-mentioned verification data can also be According to the various features parameter of the user detected a parameter obtained.
Further, in an embodiment of the present invention, above-mentioned payment devices can be by a variety of methods respectively to above-mentioned school It tests parameter to be detected, for example, above-mentioned payment devices can detect above-mentioned checking parameter by the senser element configured.
Further, in an embodiment of the present invention, above-mentioned payment devices are after detection obtains above-mentioned checking parameter, just It can judge whether above-mentioned payment devices are legitimate device according to above-mentioned checking parameter, that is, determine whether to respond above-mentioned payment request Carry out payment processing.Specifically, above-mentioned payment devices can by above-mentioned verification data and pre-set default verification threshold value into Row compares, to judge whether above-mentioned payment devices are legitimate device.
Step 102, when determine carry out payment processing when, determine current connection state.
In an embodiment of the present invention, above-mentioned payment devices according to above-mentioned check number it is judged that whether carrying out payment processing Later, if it is decided that above-mentioned payment processing is carried out, then it is determined that above-mentioned payment devices and above-mentioned default terminal is corresponding currently connects Connect state.
It should be noted that in an embodiment of the present invention, above-mentioned current connection state is for characterizing above-mentioned payment devices With the communication connection state between above-mentioned default terminal, therefore above-mentioned current connection state may include having connected or not connecting It connects.
Further, in the embodiment of invention, whether above-mentioned payment devices are according to above-mentioned check number it is judged that being propped up After paying processing, if the judgement of above-mentioned payment devices does not respond above-mentioned payment request, i.e., without above-mentioned payment processing, Above-mentioned payment information directly can be carried out delete processing by so above-mentioned payment devices.
Step 103, when current connection state is not connected, respond payment request, store payment information, stored Payment information.
In an embodiment of the present invention, above-mentioned payment devices are determining that above-mentioned payment devices and above-mentioned default terminal are corresponding After current connection state, if above-mentioned current connection state is not connected, above-mentioned payment devices can respond above-mentioned payment Request, stores above-mentioned payment information, obtains stored payment information.
It should be noted that in an embodiment of the present invention, if above-mentioned payment devices and above-mentioned default terminal are not connect State is connect, then above-mentioned payment information just cannot be sent in personal clearing by above-mentioned payment devices by above-mentioned default terminal The heart, it is therefore desirable to first store above-mentioned payment information.
Further, in an embodiment of the present invention, above-mentioned payment devices are determining above-mentioned payment devices and above-mentioned default After the corresponding current connection state of terminal, if above-mentioned current connection state is when having connected, above-mentioned payment devices can To respond above-mentioned payment request, above-mentioned payment information is directly sent by above-mentioned default terminal.
Step 104, after payment devices are connect with default terminal, pass through default terminal and send stored disbursement letter Breath.
In an embodiment of the present invention, if above-mentioned current connection state is not connected, above-mentioned payment devices are in response Payment request is stated, after storing above-mentioned payment information, can be passed through after above-mentioned payment devices are connect with above-mentioned default terminal Above-mentioned default terminal sends above-mentioned stored payment information.
It should be noted that above-mentioned payment devices, can when not connected with above-mentioned default terminal in the embodiment of invention First to store above-mentioned payment information, it is connect once being re-established with above-mentioned default terminal, above-mentioned payment devices can Above-mentioned stored payment information is sent to above-mentioned personal settlement center by above-mentioned default terminal, to can realize State delivery operation when payment devices and not connected above-mentioned default terminal.
The method of payment that the embodiment of the present invention proposes, payment devices obtain verification data, root after receiving payment request According to check number it is judged that whether carrying out payment processing；Wherein, payment request carries payment information；Data are verified to be used for payment The whether legal judgement of equipment；When determining to carry out payment processing, current connection state is determined；Wherein, current connection state is used Communication connection state between characterization equipment and default terminal；When current connection state is not connected, payment request is responded, Store payment information；After payment devices are connect with default terminal, payment information is sent by default terminal.It can be seen that A kind of method of payment provided in an embodiment of the present invention, when payment devices do not establish connection with default terminal, the payment devices Payment request can be first responded, and the payment information in payment request is stored, once payment devices are built with default terminal Vertical connection can be sent stored payment information by default terminal, so as in payment devices and default When terminal does not set up connection, alternatively, default terminal is in no net state, equipment of guaranteeing payment is normally carried out mobile payment, effectively Ground improves the mobile payment success rate of wearable intelligent equipment, further increases intelligence.
Embodiment two
One, Fig. 6 is the implementation process schematic diagram two for the method for payment that the embodiment of the present invention proposes based on the above embodiment, such as Shown in Fig. 6, in an embodiment of the present invention, above-mentioned payment devices respond the payment request, store the payment information, obtain After stored payment information, i.e., after step 103, the method that above-mentioned payment devices are paid can also include following step It is rapid:
Step 105, transmission prestore facility information.
In an embodiment of the present invention, if above-mentioned current connection state is not connected, above-mentioned payment devices are being responded Above-mentioned payment request stores above-mentioned payment information, and after obtaining stored payment information, above-mentioned payment devices can send pre- Deposit facility information.
It should be noted that in an embodiment of the present invention, the above-mentioned facility information that prestores can ask to respond above-mentioned payment The information for the payer asked, the above-mentioned facility information that prestores specifically can be used for characterizing the identity information of payer, so that payment is asked The side of asking carries out authentication to above-mentioned payer.Specifically, in an embodiment of the present invention, above-mentioned payer information may include User information, payment account and time of payment etc..
Further, in an embodiment of the present invention, above-mentioned when above-mentioned payment devices and above-mentioned default terminal are connection The pre-stored above-mentioned facility information that prestores can be sent to payment request after storing above-mentioned payment information by payment devices Side, so as to so that the user of the above-mentioned payment request of payment request side's memory response specifying information.
It should be noted that in an embodiment of the present invention, since above-mentioned payment devices and above-mentioned default terminal are not connected, Therefore above-mentioned payment information directly can not be sent to above-mentioned individual after responding above-mentioned payment request by above-mentioned payment devices Settlement center, therefore above-mentioned payment request side can not receive branch payment immediately, still, above-mentioned payment devices can will be above-mentioned pre- Deposit facility information and be sent to above-mentioned payment request side, stored for above-mentioned payment request side, with facilitate above-mentioned payment devices into The subsequent payment response processing of row.
Fig. 7 is the implementation process schematic diagram three for the method for payment that the embodiment of the present invention proposes, as shown in fig. 7, in the present invention Embodiment in, after above-mentioned payment devices determine current connection state, i.e., after step 102, above-mentioned payment devices are propped up Pay method can with the following steps are included:
Step 106, when current connection state is to have connected, respond payment request, directly pass through default terminal and send branch Pay information.
In an embodiment of the present invention, above-mentioned payment devices are determining that above-mentioned payment devices and above-mentioned default terminal are corresponding After current connection state, if above-mentioned current connection state is to have connected, above-mentioned payment devices can respond above-mentioned payment Request directly sends above-mentioned payment information by above-mentioned default terminal.
It should be noted that in an embodiment of the present invention, when above-mentioned payment devices and above-mentioned default terminal have connected, that Above-mentioned payment information directly can be sent to above-mentioned personal settlement center by above-mentioned default terminal by above-mentioned payment devices, So as to be paid according to above-mentioned payment information to above-mentioned payment request side.
Fig. 8 is the implementation process schematic diagram four for the method for payment that the embodiment of the present invention proposes, as shown in figure 8, in the present invention Embodiment in, before the transmission of above-mentioned payment devices prestores facility information, i.e., before step 105, above-mentioned payment devices are propped up Pay method can with the following steps are included:
Step 107 receives verifying password.
In an embodiment of the present invention, above-mentioned payment devices send it is above-mentioned prestore facility information before, can first receive Verify password.
It should be noted that in an embodiment of the present invention, whether above-mentioned verifying password can be used for carrying out at payment The auxiliary judgment of reason.Specifically, above-mentioned payment devices can receive above-mentioned verifying password by a variety of methods, for example, above-mentioned branch Dispensing apparatus can be operated by the input of user and receive above-mentioned verifying password, and above-mentioned payment devices can also pass through the life to user Object feature is detected to receive above-mentioned verifying password.
Further, in an embodiment of the present invention, above-mentioned verifying password can be diversified forms, for example, above-mentioned verifying Password can be numerical ciphers, or graphical passwords, sound password and biological characteristic password etc..
Step 108, when verify password it is identical with password is prestored when, obtain prestore facility information.
In an embodiment of the present invention, above-mentioned payment devices receive verify password after, if above-mentioned verifying password with Prestore password it is identical when, obtain above-mentioned payment devices information.
Further, in an embodiment of the present invention, above-mentioned payment devices can incite somebody to action after obtaining above-mentioned verifying password Above-mentioned verifying password is compared with the pre-stored above-mentioned password that prestores, when above-mentioned verifying password with above-mentioned to prestore password identical When, above-mentioned payment devices can think password authentification success, it can carry out payment processing, therefore, above-mentioned payment devices are just Available above-mentioned payment devices information, to send above-mentioned payment devices information to payment request side.
The method of payment that the embodiment of the present invention proposes, payment devices obtain verification data, root after receiving payment request According to check number it is judged that whether carrying out payment processing；Wherein, payment request carries payment information；Data are verified to be used for payment The whether legal judgement of equipment；When determining to carry out payment processing, current connection state is determined；Wherein, current connection state is used Communication connection state between characterization equipment and default terminal；When current connection state is not connected, payment request is responded, Store payment information；After payment devices are connect with default terminal, payment information is sent by default terminal.It can be seen that A kind of method of payment provided in an embodiment of the present invention, when payment devices do not establish connection with default terminal, the payment devices Payment request can be first responded, and the payment information in payment request is stored, once payment devices are built with default terminal Vertical connection can be sent stored payment information by default terminal, so as in payment devices and default When terminal does not set up connection, alternatively, default terminal is in no net state, equipment of guaranteeing payment is normally carried out mobile payment, effectively Ground improves the mobile payment success rate of wearable intelligent equipment, further increases intelligence.
Embodiment three
Based on the above embodiment one and embodiment two, Fig. 9 is the implementation process for the method for payment that the embodiment of the present invention proposes Schematic diagram five, if Fig. 9 shows, in an embodiment of the present invention, the method that above-mentioned payment devices obtain verification data may include with Lower step:
Step 201 reads body temperature parameter, hrv parameter, Fingerprint Model and biological model.
In an embodiment of the present invention, above-mentioned payment devices can read above-mentioned body temperature respectively and adopt parameter, above-mentioned heart rate ginseng Several, above-mentioned Fingerprint Model and above-mentioned biological model.Wherein, above-mentioned body temperature adopts parameter, above-mentioned hrv parameter, above-mentioned Fingerprint Model And above-mentioned biological model is various features parameter corresponding to the user of wearing or the above-mentioned payment devices of use.
Further, in an embodiment of the present invention, senser element can be configured on above-mentioned payment devices, so as to Detection reads above-mentioned body temperature and adopts parameter, above-mentioned hrv parameter, above-mentioned Fingerprint Model and above-mentioned biological model.
It should be noted that in an embodiment of the present invention, above-mentioned payment devices can be detected by the sensor part It reads above-mentioned body temperature and adopts parameter, above-mentioned hrv parameter, above-mentioned Fingerprint Model and above-mentioned biological model, for example, above-mentioned payment is set Parameter is adopted for above-mentioned body temperature can be detected by temperature sensor, above-mentioned payment devices can be detected by infrared sensor Fingerprint Model is stated, above-mentioned payment devices can also detect above-mentioned biological model by pressure sensor.
Specifically, in an embodiment of the present invention, above-mentioned biological model can be a variety of biological characteristic models of user, example Such as, if above-mentioned payment devices are Intelligent bracelet, above-mentioned biological model can be the wrist model of user.If above-mentioned branch Dispensing apparatus is intelligent glasses, then above-mentioned biological model can be the eye model of user.
Figure 10 is the schematic diagram that equipment detects biological model in the embodiment of the present invention, and as shown in Figure 10, what user wore sets Standby is Intelligent bracelet, and Intelligent bracelet can establish three-dimensional wrist mould by the pressure spot of transmission according to the pressure detecting band of wrist Type, i.e. detection biological model.
It should be noted that in an embodiment of the present invention, above-mentioned payment devices can be with the body-sensing temperature of continuous collecting user Degree and environment temperature, are stored as user model；User model can be stored as with continuous collecting user heart rate and sendible temperature； Three-dimensional wrist model can also be established by the pressure spot of transmission according to the pressure detecting band of wrist.
It should be noted that in an embodiment of the present invention, after user wears or uses above-mentioned payment devices, on Stating payment devices can identify that after being identified by, above-mentioned payment devices can be just to user based on above-mentioned multiple dimensions It is often used, after recognition failures, is only capable of using simple functions by guest mode.
Step 202, according to temperature parameter, hrv parameter, Fingerprint Model and biological model, obtain verification data.
In an embodiment of the present invention, above-mentioned payment devices adopt parameter, above-mentioned hrv parameter, above-mentioned reading above-mentioned body temperature After Fingerprint Model and above-mentioned biological model, parameter, above-mentioned hrv parameter, above-mentioned Fingerprint Model can be adopted according to above-mentioned body temperature And above-mentioned biological model, obtain above-mentioned verification data.
It should be noted that in an embodiment of the present invention, above-mentioned verification data can adopt parameter, above-mentioned for above-mentioned body temperature Hrv parameter, above-mentioned Fingerprint Model and above-mentioned biological model at least one parameter, or above-mentioned body temperature adopts parameter, above-mentioned The data that hrv parameter, above-mentioned Fingerprint Model and above-mentioned biological model any combination obtain.
Figure 11 is the implementation process schematic diagram six for the method for payment that the embodiment of the present invention proposes, if Figure 11 shows, in the present invention Embodiment in, above-mentioned payment devices are according to the temperature parameter, the hrv parameter, the Fingerprint Model and the biology Model, the method for obtaining the verification data may comprise steps of:
Step 202a, the first check value is obtained according to temperature parameter and pre-stored reference temperature；According to hrv parameter and prestore The second check value is obtained with reference to heart rate；Third check value is obtained according to Fingerprint Model and pre-stored reference fingerprint；And according to biology Model and pre-stored reference feature obtain the 4th check value.
In an embodiment of the present invention, above-mentioned payment devices adopt parameter, above-mentioned hrv parameter, above-mentioned reading above-mentioned body temperature After Fingerprint Model and above-mentioned biological model, the first school can be obtained according to above-mentioned temperature parameter and pre-stored reference temperature respectively Test value；The second check value is obtained according to above-mentioned hrv parameter and pre-stored reference heart rate；According to above-mentioned Fingerprint Model and pre-stored reference Fingerprint obtains third check value；And the 4th check value is obtained according to above-mentioned biological model and pre-stored reference feature.
It should be noted that in an embodiment of the present invention, above-mentioned first check value can characterize above-mentioned temperature parameter with The comparison result of above-mentioned preset reference temperature, above-mentioned second check value can characterize above-mentioned hrv parameter and the above-mentioned preset reference heart The comparison result of rate, above-mentioned third check value can characterize the comparison result of above-mentioned Fingerprint Model Yu above-mentioned preset reference fingerprint, Above-mentioned 4th check value can characterize the comparison result of above-mentioned biological model Yu above-mentioned pre-stored reference feature.
It should be noted that in an embodiment of the present invention, above-mentioned temperature parameter and above-mentioned preset reference temperature are closer, Above-mentioned first check value is bigger；Above-mentioned hrv parameter and above-mentioned preset reference heart rate are closer, and above-mentioned second check value is bigger；On It states Fingerprint Model and above-mentioned preset reference fingerprint is closer, above-mentioned third check value is bigger；Above-mentioned biological model is prestored with above-mentioned Fixed reference feature is closer, and above-mentioned 4th check value is bigger.
Step 202b, according to the first check value, the second check value, third check value and the 4th check value, verification is determined Data.
In an embodiment of the present invention, above-mentioned payment devices are obtaining the according to above-mentioned temperature parameter and pre-stored reference temperature One check value；The second check value is obtained according to above-mentioned hrv parameter and pre-stored reference heart rate；According to above-mentioned Fingerprint Model and prestore Reference fingerprint obtains third check value；And after according to above-mentioned biological model and pre-stored reference feature obtaining the 4th check value, It can be determined according to above-mentioned first check value, above-mentioned second check value, above-mentioned third check value and above-mentioned 4th check value Above-mentioned verification data.
It should be noted that in an embodiment of the present invention, above-mentioned verification data can be characterized to above-mentioned payment devices It wears or user carries out the detected check results of various dimensions.
Figure 12 is the implementation process schematic diagram seven for the method for payment that the embodiment of the present invention proposes, if Figure 12 shows, in the present invention Embodiment in, above-mentioned payment devices are according to the check number it is judged that the method for whether carrying out payment processing may include following Step:
Step 301 obtains default verification threshold value.
In an embodiment of the present invention, in an embodiment of the present invention, above-mentioned payment devices are available pre-set Above-mentioned default verification threshold value.
It should be noted that in an embodiment of the present invention, above-mentioned default verification threshold value for being to above-mentioned payment devices No legal judgement.Specifically, above-mentioned payment devices can be determined and be worn according to above-mentioned default verification threshold value and above-mentioned verification data It wears or the use of the user of above-mentioned payment devices whether is legitimate user.
Step 302, when verifying data and being more than or equal to default verification threshold value, determine to carry out payment processing.
In an embodiment of the present invention, above-mentioned payment devices are after obtaining above-mentioned default verification threshold value, if above-mentioned school Data are tested more than or equal to above-mentioned default verification threshold value, then above-mentioned payment devices, which can be determined that, carries out above-mentioned payment processing.
Further, in an embodiment of the present invention, above-mentioned payment devices, can after obtaining above-mentioned default verification threshold value Above-mentioned default verification threshold value and above-mentioned verification data to be compared, when above-mentioned verification data are more than or equal to above-mentioned preset When verifying threshold value, it is believed that above-mentioned payment devices are legal, then above-mentioned payment devices can carry out above-mentioned payment request Payment processing.
Step 303, when verifying data and being less than default verification threshold value, determine without payment processing.
In an embodiment of the present invention, above-mentioned payment devices are after obtaining pre-set above-mentioned default verification threshold value, If above-mentioned verification data are less than above-mentioned default verification threshold value, above-mentioned payment devices be can be determined that without at above-mentioned payment Reason.
Further, in an embodiment of the present invention, above-mentioned payment devices, can after obtaining above-mentioned default verification threshold value Above-mentioned default verification threshold value and above-mentioned verification data to be compared, when above-mentioned verification data are less than above-mentioned default verification threshold value When, it is believed that above-mentioned payment devices are illegal, then above-mentioned payment devices just cannot carry out at payment above-mentioned payment request Reason.
The method of payment that the embodiment of the present invention proposes, payment devices obtain verification data, root after receiving payment request According to check number it is judged that whether carrying out payment processing；Wherein, payment request carries payment information；Data are verified to be used for payment The whether legal judgement of equipment；When determining to carry out payment processing, current connection state is determined；Wherein, current connection state is used Communication connection state between characterization equipment and default terminal；When current connection state is not connected, payment request is responded, Store payment information；After payment devices are connect with default terminal, payment information is sent by default terminal.It can be seen that A kind of method of payment provided in an embodiment of the present invention, when payment devices do not establish connection with default terminal, the payment devices Payment request can be first responded, and the payment information in payment request is stored, once payment devices are built with default terminal Vertical connection can be sent stored payment information by default terminal, so as in payment devices and default When terminal does not set up connection, alternatively, default terminal is in no net state, equipment of guaranteeing payment is normally carried out mobile payment, effectively Ground improves the mobile payment success rate of wearable intelligent equipment, further increases intelligence.
Example IV
One to embodiment three based on the above embodiment, and Figure 13 is the composed structure for the payment devices that the embodiment of the present invention proposes Schematic diagram, in practical applications, under the same inventive concept based on embodiment one to embodiment three, as shown in figure 13, the present invention The equipment 3 of embodiment includes: processor 31, memory 32 and communication bus 33.It should be noted that in implementation of the invention In example, processor 31 and memory 32 in Figure 12 respectively correspond processor 110 and memory 109 in above-mentioned figure one.Having During body embodiment, above-mentioned processor 31 can be application-specific IC (Application Specific IntegRated CiRcuit, ASIC), digital signal processor (Digital Signal PRocessoR, DSP), number letter Number processing unit (Digital Signal PRocessing Device, DSPD), programmable logic device (PRogRammable Logic Device, PLD), field programmable gate array (Field PRogRammable Gate ARRay, FPGA), centre Manage at least one of device (CentRal PRocessing Unit, CPU), controller, microcontroller, microprocessor.It can manage Xie Di, for different equipment, the electronic device for realizing above-mentioned processor function can also be other, the embodiment of the present invention It is not especially limited.
In an embodiment of the present invention, above-mentioned communication bus 33 is for realizing the connection between processor 31 and memory 32 Communication；Above-mentioned processor 31 is for executing the brightness regulation program stored in memory 32, to perform the steps of
After receiving payment request, verification data are obtained, according to the check number it is judged that whether carrying out payment processing； Wherein, the payment request carries payment information；The verification data are used for the judgement whether legal to payment devices；
When determining to carry out the payment processing, current connection state is determined；Wherein, the current connection state is used for table Levy the communication connection state between the payment devices and default terminal；
When the current connection state is not connected, the payment request is responded, stores the payment information, is obtained The payment information of storage；
After the payment devices are connect with the default terminal, sent by the default terminal described stored Payment information.
In an embodiment of the present invention, further, above-mentioned processor 31 is also used to respond the payment request, storage The payment information, after obtaining stored payment information, transmission prestores facility information；Wherein, described to prestore facility information For characterizing the identity information of payer, so that payment request side carries out authentication to the payer.
In an embodiment of the present invention, further, above-mentioned processor 31, after being also used to determine current connection state, When the current connection state is to have connected, the payment request is responded, the branch is directly sent by the default terminal Pay information.
In an embodiment of the present invention, further, above-mentioned processor 31 is specifically used for reading body temperature parameter, heart rate ginseng Number, Fingerprint Model and biological model；And according to the temperature parameter, the hrv parameter, the Fingerprint Model and institute Biological model is stated, the verification data are obtained.
In an embodiment of the present invention, further, above-mentioned processor 31 is specifically also used to obtain default verification threshold value； And when the verification data are more than or equal to the default verification threshold value, determine to carry out the payment processing；And work as When the verification data are less than the default verification threshold value, determine without the payment processing.
In an embodiment of the present invention, further, above-mentioned processor 31, be specifically also used to according to the temperature parameter and Pre-stored reference temperature obtains the first check value；The second check value is obtained according to the hrv parameter and pre-stored reference heart rate；According to The Fingerprint Model and pre-stored reference fingerprint obtain third check value；And it is obtained according to the biological model and pre-stored reference feature Obtain the 4th check value；And according to first check value, second check value, the third check value and the described 4th Check value determines the verification data.
In an embodiment of the present invention, further, above-mentioned processor 31, be also used to send prestore facility information before, Receive verifying password；And when the verifying password is identical as password is prestored, facility information is prestored described in acquisition.
In an embodiment of the present invention, further, above-mentioned processor 31, is also used to according to the check number it is judged that being After no carry out payment processing, when determining without the payment processing, the payment information is deleted.
The equipment that the embodiment of the present invention proposes, the payment devices obtain verification data after receiving payment request, according to Whether check number is it is judged that carry out payment processing；Wherein, payment request carries payment information；Verification data are for setting payment It is standby whether legal judgement；When determining to carry out payment processing, current connection state is determined；Wherein, current connection state is used for Characterize the communication connection state between equipment and default terminal；When current connection state is not connected, payment request is responded, is deposited Store up payment information；After payment devices are connect with default terminal, payment information is sent by default terminal.It can be seen that this The equipment that inventive embodiments provide, when payment devices do not establish connection with default terminal, which can first be responded Payment request, and the payment information in payment request is stored, once payment devices and default terminal establish connection, To be sent stored payment information by default terminal, so as to not set up company in payment devices and default terminal When connecing, alternatively, default terminal is in no net state, equipment of guaranteeing payment is normally carried out mobile payment, effectively improves wearable The mobile payment success rate of smart machine, further increases intelligence.
The embodiment of the present invention provides a kind of computer readable storage medium, and above-mentioned computer-readable recording medium storage has one A perhaps multiple program said ones or multiple programs can be executed by one or more processor, be applied in terminal, should The method such as embodiment one to embodiment three is realized when program is executed by processor.
Specifically, the corresponding program instruction of one of the present embodiment method of payment can be stored in CD, hard disk, On the storage mediums such as USB flash disk, read by an electronic equipment when the program instruction corresponding with a kind of method of payment in storage medium or It is performed, includes the following steps:
After receiving payment request, verification data are obtained, according to the check number it is judged that whether carrying out payment processing； Wherein, the payment request carries payment information；The verification data are used for the judgement whether legal to payment devices；
When determining to carry out the payment processing, current connection state is determined；Wherein, the current connection state is used for table Levy the communication connection state between the payment devices and default terminal；
When the current connection state is not connected, the payment request is responded, stores the payment information, is obtained The payment information of storage；
After the payment devices are connect with the default terminal, sent by the default terminal described stored Payment information.
In an embodiment of the present invention, further, the payment request is responded, the payment information is stored, is obtained After the payment information of storage, said one or multiple programs can also be executed by said one or multiple processors, with reality Existing following steps:
Transmission prestores facility information；Wherein, the facility information that prestores is for characterizing the identity information of payer, for branch It pays requesting party and authentication is carried out to the payer.
In an embodiment of the present invention, further, it is determined that after current connection state, said one or multiple programs It can also be executed by said one or multiple processors, to perform the steps of
When the current connection state is to have connected, the payment request is responded, is directly sent out by the default terminal Send the payment information.
In an embodiment of the present invention, further, when obtaining verification data, said one or multiple programs are above-mentioned One or more processor executes, and implements following steps:
Read body temperature parameter, hrv parameter, Fingerprint Model and biological model；
According to the temperature parameter, the hrv parameter, the Fingerprint Model and the biological model, the school is obtained Test data.
In an embodiment of the present invention, further, according to the check number it is judged that when whether carrying out payment processing, on It states one or more program to be executed by said one or multiple processors, implements following steps:
Obtain default verification threshold value；
When the verification data are more than or equal to the default verification threshold value, determine to carry out the payment processing；
When the verification data are less than the default verification threshold value, determine without the payment processing.
In an embodiment of the present invention, further, according to the temperature parameter, the hrv parameter, the fingerprint mould Type and the biological model, when obtaining the verification data, said one or multiple programs are by said one or multiple Processor executes, and implements following steps:
The first check value is obtained according to the temperature parameter and pre-stored reference temperature；According to the hrv parameter and prestore ginseng It examines heart rate and obtains the second check value；Third check value is obtained according to the Fingerprint Model and pre-stored reference fingerprint；And according to institute It states biological model and pre-stored reference feature obtains the 4th check value；
According to first check value, second check value, the third check value and the 4th check value, really The fixed verification data.
In an embodiment of the present invention, further, it sends before prestoring facility information, said one or multiple programs It can also be executed by said one or multiple processors, to perform the steps of
Receive verifying password；
When the verifying password is identical as password is prestored, facility information is prestored described in acquisition.
In an embodiment of the present invention, further, according to the check number it is judged that after whether carrying out payment processing, Said one or multiple programs can also be executed by said one or multiple processors, to perform the steps of
When determining without the payment processing, the payment information is deleted.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in a storage medium In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal (can be mobile phone, computer, service Device, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited to above-mentioned specific Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much Form, all of these belong to the protection of the present invention.

Claims (10)

1. a kind of method of payment, which is characterized in that the described method includes:
After receiving payment request, verification data are obtained, according to the check number it is judged that whether carrying out payment processing；Its In, the payment request carries payment information；The verification data are used for the judgement whether legal to payment devices；
When determining to carry out the payment processing, current connection state is determined；Wherein, the current connection state is for characterizing institute State the communication connection state between payment devices and default terminal；
When the current connection state is not connected, the payment request is responded, the payment information is stored, has been stored Payment information；
After the payment devices are connect with the default terminal, the stored payment is sent by the default terminal Information.
2. the method according to claim 1, wherein the response payment request, stores the disbursement letter Breath, after obtaining stored payment information, the method also includes:
Transmission prestores facility information；Wherein, the facility information that prestores is for characterizing the identity information of payer, so that payment is asked The side of asking carries out authentication to the payer.
3. the method according to claim 1, wherein the method is also after the determining current connection state Include:
When the current connection state is to have connected, the payment request is responded, institute is directly sent by the default terminal State payment information.
4. the method according to claim 1, wherein the acquisition verifies data, comprising:
Read body temperature parameter, hrv parameter, Fingerprint Model and biological model；
According to the temperature parameter, the hrv parameter, the Fingerprint Model and the biological model, the check number is obtained According to.
5. the method according to claim 1, wherein it is described according to the check number it is judged that whether being paid Processing, comprising:
Obtain default verification threshold value；
When the verification data are more than or equal to the default verification threshold value, determine to carry out the payment processing；
When the verification data are less than the default verification threshold value, determine without the payment processing.
6. according to the method described in claim 4, it is characterized in that, described according to the temperature parameter, the hrv parameter, institute Fingerprint Model and the biological model are stated, the verification data are obtained, comprising:
The first check value is obtained according to the temperature parameter and pre-stored reference temperature；According to the hrv parameter and the pre-stored reference heart Rate obtains the second check value；Third check value is obtained according to the Fingerprint Model and pre-stored reference fingerprint；And according to the life Object model and pre-stored reference feature obtain the 4th check value；
According to first check value, second check value, the third check value and the 4th check value, institute is determined State verification data.
7. according to the method described in claim 2, it is characterized in that, it is described transmission prestore facility information before, the method is also Include:
Receive verifying password；
When the verifying password is identical as password is prestored, facility information is prestored described in acquisition.
8. the method according to claim 1, wherein it is described according to the check number it is judged that whether being paid After processing, the method also includes:
When determining without the payment processing, the payment information is deleted.
9. a kind of payment devices, which is characterized in that the payment devices include: processor, memory and communication bus；It is described Communication bus is for realizing the connection communication between the processor and the memory；The processor is for executing described deposit The data transmission program stored in reservoir, to realize the method according to claim 1.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage have one or Multiple programs, one or more of programs can be executed by one or more processor, to realize that claim 1-8 such as appoints Method described in one.
CN201810852142.9A 2018-07-30 2018-07-30 Payment method and device and computer readable storage medium Active CN109214811B (en)

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CN107085790A (en) * 2015-12-28 2017-08-22 三星电子株式会社 Electronic equipment and its payment execution method using switching
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CN104616148A (en) * 2015-01-23 2015-05-13 恒银金融科技有限公司 Payment terminal and paying method of wearable payment terminal
CN107085790A (en) * 2015-12-28 2017-08-22 三星电子株式会社 Electronic equipment and its payment execution method using switching
CN106485480A (en) * 2016-10-13 2017-03-08 上海众人网络安全技术有限公司 A kind of terminal recharge method and system, a kind of network payment system
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* Cited by examiner, † Cited by third party
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CN111815318A (en) * 2020-06-17 2020-10-23 衡水海博云科技有限公司 Equipment, system and method for aggregated payment

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