CN109493079A - Payment authentication method and equipment - Google Patents
Payment authentication method and equipment Download PDFInfo
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- CN109493079A CN109493079A CN201811408450.9A CN201811408450A CN109493079A CN 109493079 A CN109493079 A CN 109493079A CN 201811408450 A CN201811408450 A CN 201811408450A CN 109493079 A CN109493079 A CN 109493079A
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- payment
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- finger print
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- print information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The present invention provides a kind of payment authentication method and equipment, and the payment authentication method includes: to acquire the biological information of user during receiving the operation for being confirmed to payment information of user's input；The biological information for operating and acquiring based on the received determines payment authentication result.In the payment authentication method and equipment of embodiment according to the present invention, during the operation that input confirms payment information, the biological information of user is acquired, accurately to carry out authentication to user, operating procedure can be reduced and safety of payment degree can be improved.
Description
Technical field
The present invention relates to mobile communication fields, more particularly, are related to a kind of payment authentication method and equipment.
Background technique
With the development of electronic technology and the communication technology, mobile terminal come by way of being paid increasingly by user
Favor.It when being paid, needs to authenticate the identity of user by mobile terminal, including password authentification or dynamic code
Verifying.In password authentification, the process of the process and input password that confirm payment is two individual processes.For example, some
It pays and has supported fingerprint payment function using (such as Alipay), the diagram of existing payment authentication process as shown in Figure 1, when
When user pays the bill or transfers accounts, the amount of money can be inputted, after clicking confirmation payment button, will pop up input password or fingerprint
Input frame needed after this interface inputs fingerprint just if it is user's operation and it is desirable that when being paid with fingerprint
It can pay successfully.Dynamic code is verified, as long as input dynamic verification code can be by verifying, but dynamic verification code has leakage
The problem of, it cannot be guaranteed that being that user inputs dynamic verification code.Therefore, existing payment authentication method there are complex steps or
The not high problem of degree of safety.
Summary of the invention
The purpose of the present invention is to provide a kind of payment authentication method and equipment, are deposited with solving existing payment authentication method
The step of the not high technical problem of cumbersome or degree of safety.
An aspect of of the present present invention provides a kind of payment authentication method, which includes: defeated in reception user
During the operation for being confirmed to payment information entered, the biological information of user is acquired；It grasps based on the received
Make and the biological information of acquisition determines payment authentication result.
Optionally, further includes: show payment control in the display device, wherein the payment control is inputted for user
Touch operation for being confirmed to payment information.
Optionally, during receiving the operation for being confirmed to payment information of user's input, user is acquired
Biological information the step of include: when detecting that user executes the touch operation in the payment control, start
Acquire the biological information.
Optionally, the payment control is also used to acquire user biological characteristic information, wherein in the use for receiving user's input
During the operation confirmed to payment information, the step of acquiring the biological information of user includes: the biology
Characteristic information is finger print information, when detecting that user executes the touch operation in the payment control, begins through institute
It states payment control and acquires the finger print information；And/or the biological information is facial information, when detecting user in institute
It states in payment control when executing the touch operation, begins through camera acquisition user's face image；And/or the biology
Characteristic information is iris information, when detecting that user executes the touch operation in the payment control, begins through and takes the photograph
As head acquires client iris；And/or the biological information is body-sensing information, when detecting user in the payment control
When the middle execution touch operation, the body-sensing information of camera acquisition user is begun through.
Optionally, when the biological information is finger print information, the payment authentication method further include: in acquisition institute
During stating finger print information, user is prompted to acquire finger print information, and/or, during acquiring the finger print information, pass through
Ripple animation is shown in the payment control to prompt user acquiring finger print information, and/or, the portion of the display equipment
Divide display area that there is finger print collecting function, wherein the step of showing payment control in the display device includes: to obtain the portion
The position data for dividing display area, shows the payment control in the part display area according to the position data；
And/or all display areas of the display equipment have finger print collecting function, wherein when detecting user in the payment
When executing the touch operation in control, starting the step of acquiring the biological information includes: to work as to detect user in institute
It states in payment control when executing the touch operation, begins through the payment control acquisition finger print information.
Optionally, the payment control includes the ACK button or input payment affirmation for inputting payment affirmation information
The identifying code input frame of information.
Optionally, when the payment control includes the ACK button for inputting payment affirmation information, wherein according to connecing
The step of biological information of operation and the acquisition of receipts determines payment authentication result includes: whether to confirm the touch operation
Effectively touch the ACK button；It operates in response to the touch and effectively touches the ACK button, by the fingerprint of acquisition
Information is compared with the payment finger print information prestored；When the finger print information of acquisition is consistent with payment finger print information, branch is determined
Authentication result instruction is paid to authenticate successfully.
Optionally, when the payment control includes inputting the identifying code input frame of payment affirmation information, wherein according to connecing
The step of finger print information of operation and the acquisition of receipts determines payment authentication result includes: by the finger print information of acquisition and to prestore
Payment finger print information compares；When the finger print information of acquisition is consistent with the payment finger print information prestored, allow to continue in institute
It states in payment control and executes the touch operation；Operation terminates in response to the touch, is identified through the touch operation in institute
Whether correct state the payment verification code inputted in identifying code input frame；When the payment verification code of input is correct, determine that payment is recognized
Card result instruction authenticates successfully, alternatively, the finger print information for operating and acquiring based on the received determines the step of payment authentication result
Suddenly include: that operation in response to the touch terminates, be identified through what the touch operation inputted in the identifying code input frame
Whether payment verification code is correct；When the payment verification code of input is correct, by the finger print information of acquisition and the payment fingerprint prestored
Information compares；When the finger print information of acquisition is consistent with the payment finger print information prestored, determine that payment authentication result indicates
It authenticates successfully, alternatively, the finger print information for operating and acquiring based on the received includes: that will adopt the step of determining payment authentication result
The finger print information of collection is compared with the payment finger print information prestored, and operation terminates in response to the touch, is identified through
Whether the payment verification code that the touch operation inputs in the identifying code input frame is correct；When input payment verification code just
When really and when the finger print information of acquisition is consistent with the payment finger print information prestored, determine that the instruction of payment authentication result authenticates successfully.
Optionally, the step of determining payment authentication result according to the finger print information of the touch operation and acquisition is also wrapped
It includes: when the finger print information of acquisition and the inconsistent payment finger print information prestored, prompting user authentication failure, and close the branch
Pay control.
Optionally, it is described operation be somatosensory operation, the biological information be it is following at least one: finger print information, face
Portion's information and iris information, wherein the step of acquiring the biological information of user includes: the life that user is acquired by camera
Object characteristic information.
Optionally, the payment authentication method further include: in reception user's input for confirming to payment information
Somatosensory operation before, prompt user to input somatosensory operation for being confirmed to payment information, and prompt user defeated
At least one following operation is carried out during entering the somatosensory operation: will be used to input the finger pulp face of the finger of finger print information
Camera, by face's face camera and by eyes face camera.
Another aspect of the present invention also provides a kind of payment authentication equipment, including receiving unit and processor, wherein described
Receiving unit is configured as: during receiving the operation for being confirmed to payment information of user's input, acquisition is used
The biological information at family；The processor is configured to the biological information for operating and acquiring based on the received determines branch
Pay authentication result.
Optionally, the payment authentication equipment further includes display equipment, wherein the processor is also configured to control
Payment control is shown in the display equipment, wherein the payment control inputs true for carrying out to payment information for user
The touch operation recognized.
Optionally, wherein during receiving the operation for being confirmed to payment information of user's input, acquisition
The processing of the biological information of user include: when detecting that user executes the touch operation in the payment control,
Start to acquire the biological information.
Optionally, the payment control is also used to acquire user biological characteristic information, wherein in the use for receiving user's input
During the operation confirmed to payment information, the processing for acquiring the biological information of user includes: the biology
Characteristic information is finger print information, when detecting that user executes the touch operation in the payment control, begins through institute
It states payment control and acquires the finger print information；And/or the biological information is facial information, when detecting user in institute
It states in payment control when executing the touch operation, begins through camera acquisition user's face image；And/or the biology
Characteristic information is iris information, when detecting that user executes the touch operation in the payment control, begins through and takes the photograph
As head acquires client iris；And/or the biological information is body-sensing information, when detecting user in the payment control
When the middle execution touch operation, the body-sensing information of camera acquisition user is begun through.
Optionally, when the biological information is finger print information, the processor is also configured to described in the acquisition
During finger print information, prompt user acquiring finger print information, and/or, during acquiring the finger print information, by
Ripple animation is shown in the payment control to prompt user acquiring finger print information, and/or, the part of the display equipment
Display area has finger print collecting function, wherein the processing for showing payment control in the display device includes: to obtain the part
The position data of display area shows the payment control in the part display area according to the position data；With/
Or, all display areas of the display equipment have finger print collecting function, wherein when detecting user in the payment control
When the middle execution touch operation, the processing for starting to acquire the biological information includes: to work as to detect user in the branch
It pays in control when executing the touch operation, begins through the payment control acquisition finger print information.
Optionally, the payment control includes the ACK button or input payment affirmation for inputting payment affirmation information
The identifying code input frame of information.
Optionally, when the payment control includes the ACK button for inputting payment affirmation information, wherein according to connecing
The biological information of operation and the acquisition of receipts determines the processing of payment authentication result includes: whether to confirm the touch operation
Effectively touch the ACK button；It operates in response to the touch and effectively touches the ACK button, by the fingerprint of acquisition
Information is compared with the payment finger print information prestored；When the finger print information of acquisition is consistent with payment finger print information, branch is determined
Authentication result instruction is paid to authenticate successfully.
Optionally, when the payment control includes inputting the identifying code input frame of payment affirmation information, wherein according to connecing
The finger print information of operation and the acquisition of receipts determines that the processing of payment authentication result includes: by the finger print information of acquisition and to prestore
Payment finger print information compares；When the finger print information of acquisition is consistent with the payment finger print information prestored, allow to continue in institute
It states in payment control and executes the touch operation；Operation terminates in response to the touch, is identified through the touch operation in institute
Whether correct state the payment verification code inputted in identifying code input frame；When the payment verification code of input is correct, determine that payment is recognized
Card result instruction authenticates successfully, alternatively, the finger print information for operating and acquiring based on the received determines the place of payment authentication result
Reason includes: that operation in response to the touch terminates, and is identified through what the touch operation inputted in the identifying code input frame
Whether payment verification code is correct；When the payment verification code of input is correct, by the finger print information of acquisition and the payment fingerprint prestored
Information compares；When the finger print information of acquisition is consistent with the payment finger print information prestored, determine that payment authentication result indicates
It authenticates successfully, alternatively, the finger print information for operating and acquiring based on the received determines that the processing of payment authentication result includes: that will adopt
The finger print information of collection is compared with the payment finger print information prestored, and operation terminates in response to the touch, is identified through
Whether the payment verification code that the touch operation inputs in the identifying code input frame is correct；When input payment verification code just
When really and when the finger print information of acquisition is consistent with the payment finger print information prestored, determine that the instruction of payment authentication result authenticates successfully.
Optionally, determine that the processing of payment authentication result is also wrapped according to the finger print information of the touch operation and acquisition
It includes: when the finger print information of acquisition and the inconsistent payment finger print information prestored, prompting user authentication failure, and close the branch
Pay control.
Optionally, it is described operation be somatosensory operation, the biological information be it is following at least one: finger print information, face
Portion's information and iris information, wherein the processing for acquiring the biological information of user includes: that the life of user is acquired by camera
Object characteristic information.
Optionally, the processor be also configured to receive user's input for being confirmed to payment information
Before somatosensory operation, user is prompted to input the somatosensory operation for being confirmed to payment information, and prompt user is inputting
At least one following operation is carried out during the somatosensory operation: the finger pulp face for being used to input the finger of finger print information is taken the photograph
As head, by face's face camera and by eyes face camera.
Another aspect of the present invention provides a kind of computer readable storage medium, is stored with and makes when being executed by a processor
Processor executes the computer program of method as described above.
In the payment authentication method and equipment of embodiment according to the present invention, payment information is confirmed in input
During operation, the biological information of user is acquired, accurately to carry out authentication to user, operating procedure can be reduced
And safety of payment degree can be improved.
Part in following description is illustrated into the other aspect and/or advantage of the present invention, some is by retouching
Stating will be apparent, or can learn by implementation of the invention.
Detailed description of the invention
By the detailed description carried out below in conjunction with the accompanying drawings, above and other objects of the present invention, features and advantages will
It becomes more fully apparent, in which:
Fig. 1 is the diagram for showing existing payment authentication process；
Fig. 2 is the flow chart for showing the payment authentication method of embodiment according to the present invention；
Fig. 3 is the flow chart for showing payment authentication method according to another embodiment of the present invention；
Fig. 4 shows the example that the payment interface of payment authentication is carried out using finger print information；
Fig. 5 is the flow chart for showing payment authentication method according to another embodiment of the present invention.
Specific embodiment
Detailed description of the present invention embodiment with reference to the accompanying drawings.
Fig. 2 is the flow chart for showing the payment authentication method of embodiment according to the present invention.Embodiment according to the present invention
Payment authentication method can be applied to the various electronic equipments for carrying out e-payment, for example, mobile communication terminal, individual calculus
Machine, tablet computer, game machine, digital multimedia player etc..
Referring to Fig. 2, in step S201, in the process for the operation for being confirmed to payment information for receiving user's input
In, acquire the biological information of user.
In step S202, the biological information for operating and acquiring based on the received determines payment authentication result.
The operation for being confirmed to payment information of user's input can be various receivable operations, such as voice
Operation, touch operation or somatosensory operation etc..
In step S202, if received operation instruction user confirms payment information, and the biology acquired is special
Reference breath is consistent with pre-stored biological information, it is determined that payment authentication result is to pass through certification；If received behaviour
Make instruction user not confirm payment information, or the biological information acquired and pre-stored biological information are not
Unanimously, it is determined that payment authentication result is unauthenticated.
In the payment authentication method of embodiment according to the present invention, in the operation that input confirms payment information
In the process, the biological information of user is acquired, accurately to carry out authentication to user, operating procedure can be reduced and can
Improve safety of payment degree.
The example that operation for being confirmed to payment information is touch operation is described below with reference to Fig. 3.
Fig. 3 is the flow chart for showing payment authentication method according to another embodiment of the present invention.
Referring to Fig. 3, in step S301, payment control is shown in the display device.
The payment control inputs the touch operation for being confirmed to payment information for user.The payment control can be with
It is the various controls that can receive touch operation, for example, ACK button, the identifying code input frame for inputting payment affirmation information etc..
In step S302, when detecting that user executes touch operation in paying control, start to acquire biological characteristic letter
Breath.
As an example, payment control can also be used to acquire user biological characteristic information.It can be fed back by the payment control
User biological characteristic information.
In step S303, the biological information for operating and acquiring based on the received determines payment authentication result.
The biological information may include at least one of following: finger print information, facial information, body-sensing information and iris letter
Breath.It will be described in detail the specific example that payment authentication is carried out using different biological features information below.
It will be described in detail the specific example that payment authentication is carried out using finger print information below.
As an example, when biological information is finger print information, in step S302, when detecting user in payment control
When middle execution touch operation, start to acquire the finger print information.
As an example, prompting user acquiring finger print information during acquiring the finger print information.For example, can lead to
It crosses and shows ripple animation in payment control to prompt user acquiring finger print information, it should be appreciated that the invention is not limited thereto,
Other modes that can be used for that user is prompted to acquire finger print information are used equally for the present invention.When the fingerprint of successful acquisition user is believed
When breath, stop display ripple animation.
As an example, full screen fingerprint collecting is not supported for display equipment, and only part display area has fingerprint
The case where acquiring function obtains the position data with the part display area of finger print collecting function in step S301, according to
Position data will pay control and show in the part display area.
As an example, opposite (upper and lower, left and right) coordinate of the part display area with finger print collecting function can be deposited
Storage provides the coordinate bit that an interface is used to return the part display area with finger print collecting function in common storage area
It sets, in payment application operation, the payment control for verifying fingerprint function if necessary is shown, this interface is just called
Coordinate position data is obtained, payment control can be allowed to utilize the display position of the position data positioning payment control returned itself.
As another example, it can also directly be arranged and be adopted using the general fingerprint of the model of the electronic equipment of the authentication method
The displaing coordinate range for collecting space, carries out within the scope of preset displaing coordinate when step S301 calls the fingerprint collecting control
Display.
For showing that all display areas of equipment have the case where finger print collecting function, then branch can be shown at an arbitrary position
Control is paid, when detecting that user executes the touch operation in paying control, the control is begun through and acquires the finger
Line information.
The payment control includes the ACK button or input payment affirmation information for inputting payment affirmation information
Identifying code input frame.
As an example, when paying control includes the ACK button for inputting payment affirmation information, in step S303, really
Recognize whether touch operation effectively touches ACK button, operates effectively touch the ACK button in response to the touch, it will
The finger print information of acquisition is compared with the payment finger print information prestored；When the finger print information of acquisition is consistent with payment finger print information
When, determine that the instruction of payment authentication result authenticates successfully；When the finger print information of acquisition and inconsistent payment finger print information, branch is determined
It pays authentication result and indicates authentification failure.As an example, can continue waiting for using when touch operation not operatively touches ACK button
The effective touch operation in family, or prompt the user with touch operation and not operatively touch ACK button, so that user can be defeated again
Enter touch operation.
As an example, prediction payment finger print information can be the dedicated finger print information of payment authentication, be also possible to and its
His identical finger print information of finger print information (such as unlocking screen finger print information).
Fig. 4 shows the payment interface example that payment authentication is carried out using finger print information.As shown in figure 4, user can pay
Touch operation is inputted in interface in ACK button, to be confirmed to payment information and input finger print information simultaneously.
Referring again to Fig. 3, as an example, when paying control includes inputting the identifying code input frame of payment affirmation information,
In step S303, the finger print information of acquisition is compared with the payment finger print information prestored；When the finger print information of acquisition and pre-
When the payment finger print information deposited is consistent, allow to continue to execute the touch operation in payment control；It grasps in response to the touch
Work terminates, and whether correct is identified through the payment verification code that the touch operation inputs in the identifying code input frame；When defeated
When the payment verification code entered is correct, determine that the instruction of payment authentication result authenticates successfully, when the payment verification code of input is incorrect,
It determines that payment authentication result indicates authentification failure, closes the payment control.As an example, in step S303, when the finger of acquisition
When line information and the payment finger print information prestored are inconsistent, user authentication failure is prompted, and close the payment control, without testing
Demonstrate,prove payment verification code.
As another example, when paying control includes inputting the identifying code input frame of payment affirmation information, in step
S303, operation terminates in response to the touch, is identified through the branch that the touch operation inputs in the identifying code input frame
Whether correct pay identifying code；When the payment verification code of input is correct, the finger print information of acquisition is believed with the payment fingerprint prestored
Breath compares, and when the payment verification code of input is incorrect, determines that payment authentication result indicates authentification failure, closes the branch
Control is paid, without verifying finger print information；When the finger print information of acquisition is consistent with the payment finger print information prestored, determine that payment is recognized
Card result instruction authenticates successfully, when the finger print information of acquisition and the inconsistent payment finger print information prestored, prompts user authentication
Failure, and close the payment control.
As another example, when paying control includes inputting the identifying code input frame of payment affirmation information, in step
S303 compares the finger print information of acquisition with the payment finger print information prestored, and operation terminates in response to the touch,
Whether correct it is identified through the payment verification code that the touch operation inputs in the identifying code input frame；When the payment of input
When identifying code is correct and when the finger print information of acquisition is consistent with the payment finger print information prestored, determine that the instruction of payment authentication result is recognized
Demonstrate,prove successfully, when the payment verification code of input is incorrect, or acquisition finger print information and the payment finger print information that prestores it is inconsistent
When, determine that payment authentication result indicates authentification failure.
It will be described in detail the specific example that payment authentication is carried out using face image below.
As an example, when detecting that user executes the touch operation in paying control, starting to lead in step S302
Camera acquisition user's face image is crossed, in step S303, user's face image of acquisition is carried out with the face image prestored
Comparison；When user's face image of acquisition is consistent with the face image prestored, determine that the instruction of payment authentication result authenticates successfully,
When user's face image of acquisition and the inconsistent face image prestored, determine that payment authentication result indicates authentification failure.
It will be described in detail the specific example that payment authentication is carried out using client iris below.
As an example, when detecting that user executes the touch operation in the payment control, being opened in step S302
Begin to acquire client iris by camera；In step S303, the client iris of acquisition is compared with the client iris prestored；
When the client iris of acquisition is consistent with the client iris prestored, determine that the instruction of payment authentication result authenticates successfully, when acquisition
When client iris and the client iris prestored are inconsistent, determine that payment authentication result indicates authentification failure.
It will be described in detail the specific example that payment authentication is carried out using body-sensing information below.
As an example, when detecting that user executes the touch operation in the payment control, being opened in step S302
Begin the body-sensing information that user is acquired by camera；In step S303, by the body-sensing information of the user of acquisition and the user prestored
Body-sensing information compare；When the body-sensing information of the user of acquisition is consistent with the body-sensing information of user prestored, branch is determined
Authentication result instruction is paid to authenticate successfully, when the body-sensing information of the user of acquisition and the inconsistent body-sensing information of the user prestored,
Determine that payment authentication result indicates authentification failure.
The example that operation for being confirmed to payment information is somatosensory operation is described below with reference to Fig. 5.
Fig. 5 is the flow chart for showing payment authentication method according to another embodiment of the present invention.In this embodiment, it uses
It may include at least one of following in the biological information of payment authentication: finger print information, facial information and iris information.In the reality
It applies in example, the display equipment for display interface can be touch screen or projection display screen.
Referring to Fig. 5, in step S501, before the somatosensory operation confirmed to payment information for receiving user's input,
Prompt user inputs the somatosensory operation confirmed to payment information, and prompt user in the process for inputting the somatosensory operation
At least one is operated below middle progress: being taken the photograph by the finger pulp face camera for being used to input the finger of finger print information, by face's face
As head and by eyes face camera.
Pass through during receiving the somatosensory operation of user's input confirmed to payment information in step S502
At least one following biological information of camera acquisition: finger print information, facial information and iris information.
In step S503, somatosensory operation and the biological information of acquisition determine payment authentication result based on the received.
In addition, in another embodiment, the operation for being confirmed to payment information can be voice operating, it is used for
The biological information of payment authentication can be voiceprint.Receiving the voice operating for being confirmed to payment information
In the process, acquisition is by the vocal print in the voice operating, and voice operating and the voiceprint of acquisition determine payment based on the received
Authentication result.
The embodiment of the present invention also provides a kind of payment authentication equipment.The payment authentication equipment of embodiment according to the present invention
To be the various electronic equipments for carrying out e-payment, for example, mobile communication terminal, personal computer, tablet computer, game
Machine, digital multimedia player etc..
The payment authentication equipment of embodiment according to the present invention includes receiving unit and processor.
Receiving unit is configured as during receiving the operation for being confirmed to payment information of user's input,
Acquire the biological information of user.
The biological information that processor is configured as operating based on the received and acquire determines payment authentication result.
The operation for being confirmed to payment information of user's input can be various receivable operations, such as voice
Operation, touch operation or somatosensory operation etc..
The biology that payment information is confirmed if processor is configured as received operation instruction user, and is acquired
Characteristic information is consistent with pre-stored biological information, it is determined that payment authentication result is to pass through certification；If received
Operation instruction user does not confirm payment information, or the biological information and pre-stored biological information of acquisition
It is inconsistent, it is determined that payment authentication result is unauthenticated.
In the payment authentication equipment of embodiment according to the present invention, in the operation that input confirms payment information
In the process, the biological information of user is acquired, accurately to carry out authentication to user, operating procedure can be reduced and can
Improve safety of payment degree.
As an example, the payment authentication equipment may also include display equipment, wherein the processor is also configured to
Control shows payment control in the display device, wherein the payment control is inputted for user for carrying out to payment information
The touch operation of confirmation.
As an example, acquisition is used during receiving the operation for being confirmed to payment information of user's input
The processing of the biological information at family includes: to open when detecting that user executes the touch operation in the payment control
Begin to acquire the biological information.
As an example, the payment control is also used to acquire user biological characteristic information, wherein receiving user's input
During operation for being confirmed to payment information, the processing for acquiring the biological information of user includes: the life
Object characteristic information is that finger print information is begun through when detecting that user executes the touch operation in the payment control
The payment control acquires the finger print information；And/or the biological information is facial information, when detecting that user exists
When executing the touch operation in the payment control, camera acquisition user's face image is begun through；And/or the life
Object characteristic information is that iris information is begun through when detecting that user executes the touch operation in the payment control
Camera acquires client iris；And/or the biological information is body-sensing information, when detecting that user controls in the payment
When executing the touch operation in part, the body-sensing information of camera acquisition user is begun through.
As an example, the processor is also configured to receiving list when the biological information is finger print information
During member acquires the finger print information, user is prompted to acquire finger print information, and/or, acquiring the finger print information
Period prompts user acquiring finger print information by showing ripple animation in the payment control, and/or, it is described aobvious
Show that the part display area of equipment has finger print collecting function, wherein show that the processing for paying control includes: in the display device
The payment control is shown according to the position data and is shown in the part by the position data for obtaining the part display area
Show in region；And/or all display areas of the display equipment have finger print collecting function, wherein when detecting that user exists
When executing the touch operation in the payment control, the processing for starting to acquire the biological information includes: to work as to detect
When user executes the touch operation in the payment control, begins through the payment control and acquire the finger print information.
As an example, the payment control includes that ACK button for inputting payment affirmation information or input payment are true
Recognize the identifying code input frame of information.
As an example, when the payment control includes the ACK button for inputting payment affirmation information, wherein according to
The biological information of received operation and acquisition determines that the processing of payment authentication result includes: that the confirmation touch operation is
It is no effectively to touch the ACK button；It operates in response to the touch and effectively touches the ACK button, by the finger of acquisition
Line information is compared with the payment finger print information prestored；When the finger print information of acquisition is consistent with payment finger print information, determine
The instruction of payment authentication result authenticates successfully.
As an example, when the payment control includes inputting the identifying code input frame of payment affirmation information, wherein according to
It is received operation and acquisition finger print information determine payment authentication result processing include: by the finger print information of acquisition with prestore
Payment finger print information compare；When the finger print information of acquisition is consistent with the payment finger print information prestored, allow to continue
The touch operation is executed in the payment control；Operation terminates in response to the touch, is identified through the touch operation and exists
Whether the payment verification code inputted in the identifying code input frame is correct；When the payment verification code of input is correct, payment is determined
Authentication result instruction authenticates successfully, alternatively, the finger print information for operating and acquiring based on the received determines payment authentication result
Processing includes: that operation in response to the touch terminates, and is identified through the touch operation and inputs in the identifying code input frame
Payment verification code it is whether correct；When the payment verification code of input is correct, the finger print information of acquisition is referred to the payment prestored
Line information compares；When the finger print information of acquisition is consistent with the payment finger print information prestored, determine that payment authentication result refers to
Show and authenticate successfully, alternatively, based on the received operate and acquire finger print information determine payment authentication result processing include: by
The finger print information of acquisition is compared with the payment finger print information prestored, and operation terminates in response to the touch, and confirmation is logical
Whether correct cross the payment verification code that the touch operation inputs in the identifying code input frame；When the payment verification code of input
When correct and when the finger print information of acquisition is consistent with the payment finger print information prestored, determine the instruction of payment authentication result authenticate at
Function.
As an example, determining that the processing of payment authentication result is also wrapped according to the finger print information of the touch operation and acquisition
It includes: when the finger print information of acquisition and the inconsistent payment finger print information prestored, prompting user authentication failure, and close the branch
Pay control.
As an example, it is described operation be somatosensory operation, the biological information be it is following at least one: finger print information,
Facial information and iris information, wherein the processing for acquiring the biological information of user includes: to acquire user by camera
Biological information.
As an example, the processor is also configured in reception user's input for confirming to payment information
Somatosensory operation before, prompt user to input somatosensory operation for being confirmed to payment information, and prompt user defeated
At least one following operation is carried out during entering the somatosensory operation: will be used to input the finger pulp face of the finger of finger print information
Camera, by face's face camera and by eyes face camera.
In the payment authentication method and equipment of embodiment according to the present invention, payment information is confirmed in input
During operation, the biological information of user is acquired, accurately to carry out authentication to user, operating procedure can be reduced
And safety of payment degree can be improved.
Embodiment according to the present invention also provides a kind of computer readable storage medium.The computer readable storage medium is deposited
Contain the computer program for making processor execute method as described above when being executed by a processor.
Although being particularly shown and describing the present invention, those skilled in the art referring to its exemplary embodiment
It should be understood that in the case where not departing from the spirit and scope of the present invention defined by claim form can be carried out to it
With the various changes in details.
Claims (13)
1. a kind of payment authentication method characterized by comprising
During receiving the operation for being confirmed to payment information of user's input, the biological characteristic letter of user is acquired
Breath；
The biological information for operating and acquiring based on the received determines payment authentication result.
2. payment authentication method according to claim 1, which is characterized in that further include:
Payment control is shown in the display device, wherein the payment control is inputted for user for carrying out to payment information
The touch operation of confirmation.
3. payment authentication method according to claim 2, which is characterized in that wherein, receive user input for pair
During the operation that payment information is confirmed, the step of acquiring the biological information of user, includes:
When detecting that user executes the touch operation in the payment control, start to acquire the biological information.
4. payment authentication method according to claim 2, which is characterized in that it is raw that the payment control is also used to acquire user
Object characteristic information,
Wherein, during receiving the operation for being confirmed to payment information of user's input, the biology of user is acquired
The step of characteristic information includes: that the biological information is finger print information, when detecting that user holds in the payment control
When the row touch operation, begins through the payment control and acquire the finger print information；
And/or the biological information is facial information, when detecting that user executes the touch in the payment control
When operation, camera acquisition user's face image is begun through；
And/or the biological information is iris information, when detecting that user executes the touch in the payment control
When operation, camera acquisition client iris is begun through；
And/or the biological information is body-sensing information, when detecting that user executes the touch in the payment control
When operation, the body-sensing information of camera acquisition user is begun through.
5. payment authentication method according to claim 3 or 4, which is characterized in that when the biological information is fingerprint
When information,
The payment authentication method further include: during acquiring the finger print information, user is prompted to acquire finger print information,
And/or during acquiring the finger print information, user is prompted by showing ripple animation in the payment control
Finger print information is being acquired,
And/or the part display area of the display equipment has finger print collecting function,
Wherein, the step of showing payment control in the display device includes: the position data for obtaining the part display area, root
The payment control is shown in the part display area according to the position data；
And/or all display areas of the display equipment have finger print collecting function,
Wherein, when detecting that user executes the touch operation in the payment control, start to acquire the biological characteristic
The step of information includes: to begin through the branch when detecting that user executes the touch operation in the payment control
It pays control and acquires the finger print information.
6. payment authentication method according to claim 2, which is characterized in that the payment control includes for inputting payment
The ACK button of confirmation message or the identifying code input frame for inputting payment affirmation information.
7. payment authentication method according to claim 6, which is characterized in that when the payment control includes for inputting branch
When paying the ACK button of confirmation message,
Wherein, the biological information the step of determining payment authentication result for operating and acquiring based on the received includes:
Confirm whether the touch operation effectively touches the ACK button；
It operates in response to the touch and effectively touches the ACK button, by the finger print information of acquisition and the payment fingerprint prestored
Information compares；
When the finger print information of acquisition is consistent with payment finger print information, determine that the instruction of payment authentication result authenticates successfully.
8. payment authentication method according to claim 6, which is characterized in that when the payment control includes that input payment is true
When recognizing the identifying code input frame of information,
Wherein, the finger print information the step of determining payment authentication result for operating and acquiring based on the received includes:
The finger print information of acquisition is compared with the payment finger print information prestored；
When the finger print information of acquisition is consistent with the payment finger print information prestored, allow to continue to execute institute in the payment control
State touch operation；
Operation terminates in response to the touch, is identified through the payment that the touch operation inputs in the identifying code input frame
Whether identifying code is correct；
When the payment verification code of input is correct, determine that the instruction of payment authentication result authenticates successfully,
Alternatively, the finger print information for operating and acquiring based on the received includes: the step of determining payment authentication result
Operation terminates in response to the touch, is identified through the payment that the touch operation inputs in the identifying code input frame
Whether identifying code is correct；
When the payment verification code of input is correct, the finger print information of acquisition is compared with the payment finger print information prestored；
When the finger print information of acquisition is consistent with the payment finger print information prestored, determine that the instruction of payment authentication result authenticates successfully,
Alternatively, the finger print information for operating and acquiring based on the received includes: the step of determining payment authentication result
The finger print information of acquisition is compared with the payment finger print information prestored, and operation terminates in response to the touch,
Whether correct it is identified through the payment verification code that the touch operation inputs in the identifying code input frame；
When the payment verification code of input is correct and when the finger print information of acquisition is consistent with the payment finger print information prestored, branch is determined
Authentication result instruction is paid to authenticate successfully.
9. payment authentication method according to claim 8, which is characterized in that according to the finger of the touch operation and acquisition
Line information determines the step of payment authentication result further include:
When the finger print information of acquisition and the inconsistent payment finger print information prestored, user authentication failure is prompted, and described in closing
Pay control.
10. payment authentication method according to claim 1, which is characterized in that the operation is somatosensory operation, the biology
Characteristic information be it is following at least one: finger print information, facial information and iris information,
Wherein, the step of acquiring the biological information of user include:
The biological information of user is acquired by camera.
11. payment authentication method according to claim 10, which is characterized in that the payment authentication method further include:
Before the somatosensory operation for being confirmed to payment information for receiving user's input, prompt user's input for branch
The somatosensory operation that information is confirmed is paid, and prompt user carries out following at least one during inputting the somatosensory operation
A operation: it will be used to input the finger pulp face camera of the finger of finger print information, by face's face camera and by eyes face
Camera.
12. a kind of payment authentication equipment, which is characterized in that including processor and receiving unit, wherein the receiving unit is matched
It is set to: during receiving the operation for being confirmed to payment information of user's input, acquiring the biological characteristic of user
Information；The processor is configured to: the biological information for operating and acquiring based on the received determines payment authentication result.
13. a kind of computer readable storage medium is stored with and processor is made to execute such as claim 1 when being executed by a processor
To the computer program of method described in any one of 11.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811408450.9A CN109493079A (en) | 2018-11-23 | 2018-11-23 | Payment authentication method and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811408450.9A CN109493079A (en) | 2018-11-23 | 2018-11-23 | Payment authentication method and equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109493079A true CN109493079A (en) | 2019-03-19 |
Family
ID=65696639
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811408450.9A Pending CN109493079A (en) | 2018-11-23 | 2018-11-23 | Payment authentication method and equipment |
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| Country | Link |
|---|---|
| CN (1) | CN109493079A (en) |
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| CN111352501A (en) * | 2019-12-09 | 2020-06-30 | 华为技术有限公司 | Service interaction method and device |
| CN112883352A (en) * | 2021-02-08 | 2021-06-01 | 维沃移动通信有限公司 | Control method and device and electronic equipment |
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