CN109377235A - Payment information confirmation method is pressed in the touching of screen fingerprint - Google Patents
Payment information confirmation method is pressed in the touching of screen fingerprint Download PDFInfo
- Publication number
- CN109377235A CN109377235A CN201811146447.4A CN201811146447A CN109377235A CN 109377235 A CN109377235 A CN 109377235A CN 201811146447 A CN201811146447 A CN 201811146447A CN 109377235 A CN109377235 A CN 109377235A
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- payment
- fingerprint
- payment information
- pressed
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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
-
- 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
- G06Q20/407—Cancellation of a transaction
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses the touchings of screen fingerprint to press payment information confirmation method, S1, the sending of payment information；S2, the confirmation of first time payment information；S3, first time fingerprint authentication；S4, the confirmation of second of payment information；S5, second of fingerprint authentication.The present invention is in payment process, successively by the confirmation of payment information twice, can effectively guarantee payment and number and buy the correct of article；It lays in the finger print information of two different fingers of user in advance on a mobile communications device, and is respectively used to the verifying of payment user account and payment verification, improve the safety of account and payment；The present invention is paid using the highly-safe of fingerprint payment in generating identifying code, and the biological nature of fingerprint will not steal by other people, reduces payment risk, and transaction flow, that is, succinct, and effectively guarantee safety when on-line off-line shopping payment.
Description
Technical field
The present invention relates to have intelligent payment technical field more particularly to the touching of screen fingerprint by payment information confirmation method.
Background technique
Mobile payment be exactly allow user using its mobile terminal (usually mobile phone) to the commodity consumed or service into
A kind of method of service of row account payment.Unit or it is personal by mobile device, internet or closely sense directly or
It connects to bank finance mechanism and sends payment instruction generation currency payment and fund displacement behavior, to realize mobile payment function.
Mobile payment blends terminal device, internet, application provider and financial institution, provides currency payment for user, pays
The financial business such as take, fingerprint payment is fingerprint consumption.
Existing mobile payment operating system is based on open platform more, and password or identifying code are easy quilt in Input Process
Leakage, mobile intelligent terminal are online always in the case where access to mobile network, and the mobile phone of user also has by malice
Software is kidnapped, and the danger of backstage branch can be carried out by the safety chip of mobile terminal and the password stolen, we set thus
It has counted the touching of screen fingerprint and has solved problem above by payment information confirmation method.
Summary of the invention
The purpose of the present invention is to solve disadvantages existing in the prior art, and disbursement letter is pressed in the screen fingerprint touching proposed
Cease confirmation method.
To achieve the goals above, present invention employs following technical solutions:
Payment information confirmation method is pressed in the touching of screen fingerprint, which is characterized in that includes the following steps,
S1, the sending of payment information: businessman sends payment request to user's mobile device by platform；
The confirmation of first time payment information: S2 after mobile communication equipment receives request, forms order, user needs to check
Information on order, information errors then cancel payment, and information correctly then jumps to payment application；
S3, first time fingerprint authentication: after the information that confirms an order, mobile communication equipment by page jump to payment application in,
Payment system issues first time fingerprint authentication at this time, is proved to be successful, and generates the payment page, after multiple authentication mistake, system terminal
Payment account can temporarily be freezed；
S4, the confirmation of second of payment information: after the success of first time fingerprint authentication, user confirms the pay invoice generated,
After payment confirming information is correct, the second fingerprint authentication is carried out, confirmation fails then cancel payment；
Second of fingerprint authentication: S5 when second of fingerprint authentication, such as pays fingerprint authentication success, then pays using permission
Payment can generate electronics flowing water voucher, if second of fingerprint authentication multiple authentication is unsuccessful, by paying after successfully paying
System temporarily is freezed payment account.
Preferably, in the S1, such as online lower shopping payment, then after only need to determining price with businessman, directly from step
S3 starts operation.
Preferably, in the S2, when first time payment confirming information, need to confirm attribute, the quantity, price of purchase article
And shipping address.
Preferably, the payment information for needing to confirm in the S4 is bank bound in the actual delivery amount of money and payment
Card.
Preferably, in the S3 and S5, first time fingerprint authentication and second of fingerprint authentication need to verify two of user
The fingerprint of different fingers.
Preferably, the fingerprint of two different fingers, is answered in prior typing mobile communication equipment, and be stored in database
In, when verifying, the data fingerprint saved in through manpower fingerprint and database is compared, and can be judged.
Preferably, in the S3 after the failure of first time fingerprint authentication, such as allowing to be proved to be successful in number, then can still give birth to
The payment page is produced, allows to verify number and is more than or equal to 3.
Preferably, in the S5 after second of fingerprint authentication failure, such as allowing to be proved to be successful in number, then can still pay
Money success allows to verify number and is more than or equal to 3.
Preferably, the electronics flowing water voucher generated after paying in the S5 can also lead to other than saving in payment system
It is sent to when crossing the mode of short message in mobile phone account bound in payment user.
Preferably, the mobile communication equipment can be mobile phone or tablet computer.
The invention has the benefit that
1, in payment process, successively by the confirmation of payment information twice, can effectively guarantee payment number and purchase
Buy the correct of article；
2, it lays in the finger print information of two different fingers of user in advance on a mobile communications device, and is respectively used to pay
User account verifying and payment verification, improve the safety of account and payment；
3, for the present invention using the highly-safe in generating identifying code payment of fingerprint payment, the biological nature of fingerprint will not be by him
People steals, and reduces payment risk, and transaction flow, that is, succinct, and effectively guarantee safety when on-line off-line shopping payment
Property.
Detailed description of the invention
Fig. 1 is the flow diagram that payment information confirmation method is pressed in screen fingerprint proposed by the present invention touching.
Specific embodiment
The technical scheme in the embodiments of the invention will be clearly and completely described below, it is clear that described implementation
Example is only a part of the embodiment of the present invention, instead of all the embodiments.
Payment information confirmation method is pressed in the touching of screen fingerprint, which is characterized in that includes the following steps,
S1, the sending of payment information: businessman sends payment request to user's mobile device by platform；
The confirmation of first time payment information: S2 after mobile communication equipment receives request, forms order, needs to confirm purchase
Attribute, quantity, price and the shipping address of article, information errors then cancel payment, and information correctly then jumps to payment application；
S3, first time fingerprint authentication: after the information that confirms an order, mobile communication equipment by page jump to payment application in,
Payment system issues first time fingerprint authentication at this time, is proved to be successful, and generates the payment page, after authentication failed, such as in permission number
Inside be proved to be successful, then still can produce the payment page, allow to verify number and be more than or equal to 3, after final authentication failed then by
System terminal can temporarily freeze payment account；
S4, the confirmation of second of payment information: after the success of first time fingerprint authentication, user confirms the pay invoice generated,
The payment information of confirmation is bank card bound in the actual delivery amount of money and payment, carries out the second fingerprint authentication, confirmation message
Mistake then cancels payment；
Second of fingerprint authentication: S5 when second of fingerprint authentication, such as pays fingerprint authentication success, then pays using permission
Payment, successfully pay after, electronics flowing water voucher can be generated, if when second of fingerprint authentication, such as allow number in verify at
Function, then still can successful payment, allow to verify number and be more than or equal to 3, then can be right by system terminal after final authentication failed
Payment account is temporarily freezed.
It is worth noting that in S1, such as online lower shopping payment, then after only need to determining price with businessman, directly from step
Rapid S3 starts operation.
It is worth noting that first time fingerprint authentication and second of fingerprint authentication need to verify the two of user in S3 and S5
The fingerprint of a difference finger, the fingerprint of two different fingers, is answered in prior typing mobile communication equipment, and be stored in data
In library, when verifying, the data fingerprint saved in through manpower fingerprint and database is compared, and can be judged.
It is worth noting that after being paid in the S5 electronics flowing water voucher that generates other than being saved in payment system,
It is sent to when can also be by way of short message in mobile phone account bound in payment user.
It is worth noting that the mobile communication equipment can be mobile phone or tablet computer.
The foregoing is only a preferred embodiment of the present invention, but scope of protection of the present invention is not limited thereto,
Anyone skilled in the art in the technical scope disclosed by the present invention, according to the technique and scheme of the present invention and its
Inventive concept is subject to equivalent substitution or change, should be covered by the protection scope of the present invention.
Claims (10)
1. payment information confirmation method is pressed in the touching of screen fingerprint, which is characterized in that include the following steps,
S1, the sending of payment information: businessman sends payment request to user's mobile device by platform；
The confirmation of first time payment information: S2 after mobile communication equipment receives request, forms order, user needs to check order
On information, information errors then cancel payment, and information correctly then jumps to payment application；
S3, first time fingerprint authentication: after the information that confirms an order, mobile communication equipment by page jump to payment application in, at this time
Payment system issues first time fingerprint authentication, is proved to be successful, and generates the payment page, and after multiple authentication mistake, system terminal can be right
Payment account is temporarily freezed；
S4, the confirmation of second of payment information: after the success of first time fingerprint authentication, user confirms the pay invoice generated, confirmation
After payment information is correct, the second fingerprint authentication is carried out, confirmation fails then cancel payment；
S5, second of fingerprint authentication: when second of fingerprint authentication, such as paying fingerprint authentication success, then paying to apply allows to pay the bill,
Success pay after, electronics flowing water voucher can be generated, if second of fingerprint authentication multiple authentication is unsuccessful, by payment system Lai
Temporarily freeze payment account.
2. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that in the S1, such as
Online lower shopping payment, then after only need to determining price with businessman, the directly operation since step S3.
3. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that in the S2, the
When payment confirming information, need to confirm attribute, quantity, price and the shipping address of purchase article.
4. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that needed in the S4
The payment information of confirmation is bank card bound in the actual delivery amount of money and payment.
5. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that the S3 and S5
In, first time fingerprint authentication and second of fingerprint authentication need to verify the fingerprint of two different fingers of user.
6. payment information confirmation method is pressed in screen fingerprint touching according to claim 5, which is characterized in that two differences
The fingerprint of finger is answered in prior typing mobile communication equipment, and is saved in the database, when verifying, by manpower fingerprint with
The data fingerprint saved in database compares, and can judge.
7. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that first in the S3
After secondary fingerprint authentication failure, such as is allowing to be proved to be successful in number, then still can produce the payment page, allowing to verify number and be greater than
Equal to 3.
8. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that second in the S5
After the failure of secondary fingerprint authentication, such as allowing to be proved to be successful in number, then still can successful payment, allow verifying number to be more than or equal to
3。
9. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that paid in the S5
The electronics flowing water voucher generated afterwards is outer in addition to saving in payment system, is sent to when can also be by way of short message and pays user
In bound mobile phone account.
10. payment information confirmation method is pressed in screen fingerprint touching according to claim 1, which is characterized in that the movement is logical
Believe that equipment can be mobile phone or tablet computer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811146447.4A CN109377235A (en) | 2018-09-29 | 2018-09-29 | Payment information confirmation method is pressed in the touching of screen fingerprint |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811146447.4A CN109377235A (en) | 2018-09-29 | 2018-09-29 | Payment information confirmation method is pressed in the touching of screen fingerprint |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109377235A true CN109377235A (en) | 2019-02-22 |
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ID=65402575
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811146447.4A Pending CN109377235A (en) | 2018-09-29 | 2018-09-29 | Payment information confirmation method is pressed in the touching of screen fingerprint |
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101964126A (en) * | 2010-09-13 | 2011-02-02 | 中兴通讯股份有限公司 | Mobile terminal payment method and mobile terminal |
| CN104732396A (en) * | 2015-03-24 | 2015-06-24 | 广东欧珀移动通信有限公司 | Payment control method and device |
| CN106022745A (en) * | 2016-05-20 | 2016-10-12 | 中山市厚源电子科技有限公司 | Multi-interface online payment technology |
| CN107292617A (en) * | 2016-04-01 | 2017-10-24 | 中兴通讯股份有限公司 | Method for authenticating, the device of payment |
| CN108073425A (en) * | 2016-11-15 | 2018-05-25 | 南昌欧菲生物识别技术有限公司 | A kind of application program launching method and mobile terminal |
| US10043162B1 (en) * | 2015-03-31 | 2018-08-07 | Square, Inc. | Open ticket payment handling with bill splitting |
-
2018
- 2018-09-29 CN CN201811146447.4A patent/CN109377235A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101964126A (en) * | 2010-09-13 | 2011-02-02 | 中兴通讯股份有限公司 | Mobile terminal payment method and mobile terminal |
| CN104732396A (en) * | 2015-03-24 | 2015-06-24 | 广东欧珀移动通信有限公司 | Payment control method and device |
| US10043162B1 (en) * | 2015-03-31 | 2018-08-07 | Square, Inc. | Open ticket payment handling with bill splitting |
| CN107292617A (en) * | 2016-04-01 | 2017-10-24 | 中兴通讯股份有限公司 | Method for authenticating, the device of payment |
| CN106022745A (en) * | 2016-05-20 | 2016-10-12 | 中山市厚源电子科技有限公司 | Multi-interface online payment technology |
| CN108073425A (en) * | 2016-11-15 | 2018-05-25 | 南昌欧菲生物识别技术有限公司 | A kind of application program launching method and mobile terminal |
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Application publication date: 20190222 |