CN110210853A - A kind of method of mobile payment and platform - Google Patents
A kind of method of mobile payment and platform Download PDFInfo
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- CN110210853A CN110210853A CN201910510939.5A CN201910510939A CN110210853A CN 110210853 A CN110210853 A CN 110210853A CN 201910510939 A CN201910510939 A CN 201910510939A CN 110210853 A CN110210853 A CN 110210853A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- 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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- 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
- G06Q20/403—Solvency checks
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V10/00—Arrangements for image or video recognition or understanding
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- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/12—Fingerprints or palmprints
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Abstract
The embodiment of the present application provides a kind of method of mobile payment and platform.Mobile scanning terminal payment two dimensional code is first to obtain the corresponding beneficiary information of payment two dimensional code, and carry out fingerprint matching and gesture matching, corresponding payment interface is shown in fingerprint and gesture successful match, and after the payment information inputted according to payment interface completes payment transaction, trading processing result is pushed to server.The two dimensional code attribute information for two dimensional code of paying the bill is stored in the name single user of corresponding common payment list by server.Thus, the security hidden trouble being able to solve in the existing means of payment, when carrying out barcode scanning payment to the payment two dimensional code that never barcode scanning is crossed every time by being verified to subscriber identity information, and the two dimensional code attribute information of the payment two dimensional code is stored after being verified, payment can be completed by comparing two dimensional code attribute information in payment next time in this way, to ensure user's fund security, consumption and payment mode that is more convenient, trusting is provided.
Description
Technical field
This application involves mobile payment fields, in particular to a kind of method of mobile payment and platform.
Background technique
As the use of intelligent mobile terminal (such as smart phone) is universal, the use of two dimensional code payment is also more more and more universal
Extensively；Also, consumer more enjoys and relies on two dimensional code payment bring convenience, forms the friendship of two dimensional code payment extensively
Easily payment habit.Therefore, under the present circumstances, businessman is also in the payment habit for making great efforts to meet consumer-user, in hardware aspect
All provide or install the device that two dimensional code can be supported to pay.
In two dimensional code payment process, payment is realized generally by scanning the two-dimensional code, a kind of current barcode scanning payment
Mode be mainly pass through mobile terminal active scan beneficiary two dimensional code and identify payment information included in two dimensional code into
Row payment.However since payment information is stored entirely in two dimensional code, and human eye can not directly read two-dimensional barcode information, thus
It is easy to generate the potential problem of safety of payment, such as the two dimensional code on businessman's automatic vending machine is distorted by people's malice, is resulted in
The loss of consumer.
Summary of the invention
In order to overcome above-mentioned deficiency in the prior art, the application's is designed to provide a kind of method of mobile payment and flat
Platform is able to solve the security hidden trouble of the existing means of payment, is carrying out barcode scanning to the payment two dimensional code that never barcode scanning is crossed every time
Payment needs to verify subscriber identity information, and by the two dimensional code of the payment two dimensional code of common beneficiary after being verified
Attribute information is stored, and payment can be completed by comparing two dimensional code attribute information in payment next time in this way, to ensure
User's fund security provides consumption and payment mode that is more convenient, trusting.
To achieve the goals above, the embodiment of the present application the technical solution adopted is as follows:
In a first aspect, the embodiment of the present application provides a kind of method of mobile payment, it is applied to mobile payment platform, the movement
Payment platform includes mobile terminal and the server that connect with the communication of mobile terminal, which comprises
The mobile scanning terminal payment two dimensional code is adopted simultaneously with obtaining the corresponding beneficiary information of the payment two dimensional code
Collect fingerprint image and images of gestures；
Each fingerprint register image is compared with the fingerprint image, and according to comparison result to the fingerprint image into
Row fingerprint recognition；
If the gesture of fingerprint recognition success, target user's account corresponding with the fingerprint image that identification is obtained is registered
Image carries out gesture matching with the images of gestures；
When gesture successful match, corresponding payment interface is shown, and complete according to the payment information that payment interface is inputted
After payment transaction, trading processing result is pushed to the server, wherein the trading processing result includes the payment
The two dimensional code attribute information of two dimensional code, the two dimensional code attribute information include the corresponding beneficiary information of the payment two dimensional code with
And scanning it is described payment two dimensional code when location information；
User where the two dimensional code attribute information of the payment two dimensional code is stored in the mobile terminal by the server
Common payment list name single user in.
Optionally, the two dimensional code attribute information of the payment two dimensional code is stored in the mobile terminal institute by the server
After the step in the common payment list of user, the method also includes:
The mobile terminal responds user's operation, and Xiang Suoshu server sends each payment two in the common payment list
Tie up the payment times setting instruction and payment amount setting instruction of code；
The server is based on payment times setting instruction and payment amount setting instruction to the mobile terminal institute
It is configured in the payment times and payment amount of the payment two dimensional code of the corresponding name single user of the common payment list of user.
Optionally, the server is based on payment times setting instruction and payment amount setting instruction to described
The payment times and amount paid of the payment two dimensional code of the corresponding name single user of the common payment list of user where mobile terminal
After the step of degree is configured, the method also includes:
The mobile terminal responds user's operation, and scanning target payment two dimensional code is to obtain the target payment two dimensional code
Two dimensional code attribute information, wherein the two dimensional code attribute information includes the corresponding beneficiary information of the target payment two dimensional code
And location information when scanning target payment two dimensional code；
The two dimensional code attribute information of target payment two dimensional code is sent to the server；
The server judge the two dimensional code attribute information whether be user where the mobile terminal common payment
The two dimensional code attribute information of name single user in list；
If the two dimensional code attribute information is the two dimensional code attribute information of the name single user in the common payment list,
The remaining payment times of target payment two dimensional code are obtained, and judge that the remaining payment times of the target payment two dimensional code are
No is zero；
If the remaining payment times of the target payment two dimensional code are not zero, payment input is sent to the mobile terminal
Prompt information；
The mobile terminal shows corresponding payment interface after receiving the payment input prompt information, and will be described
The payment information that payment interface is inputted is sent to the server；
The server judges the surplus of the target payment two dimensional code according to the payment information that the payment interface is inputted
Whether remaining payment amount is greater than the payment amount in the payment information, if the remaining payment amount of target payment two dimensional code
Greater than the payment amount in the payment information, then payment transaction is completed, otherwise exits this transaction；And
If the remaining payment times of the target payment two dimensional code are zero, this payment transaction is exited.
Optionally, the server judges whether the two dimensional code attribute information is the name single user commonly used in payment list
Two dimensional code attribute information the step of, comprising:
Judge the corresponding beneficiary information of the payment two dimensional code whether the name single user in the common payment list
Beneficiary information in；
If the receipts of the name single user of the corresponding beneficiary information of two dimensional code not in the common payment list of paying the bill
In money side's information, then determining the two dimensional code attribute information not is the two dimensional code attribute letter for commonly using the name single user in payment list
Breath；
If the gathering of the name single user of the corresponding beneficiary information of two dimensional code in the common payment list of paying the bill
In square information, then at least one target position information when the history before current time scans the beneficiary information is obtained；
Location information when scanning the payment two dimensional code is matched at least one described target position information；
In successful match, determine that the two dimensional code attribute information is the two dimensional code of the name single user in common payment list
Attribute information；
When it fails to match, determining the two dimensional code attribute information not is the two dimension for commonly using the name single user in payment list
Code attribute information.
Optionally, described that each fingerprint register image is compared with the fingerprint image, and according to comparison result to institute
State the step of fingerprint image carries out fingerprint recognition, comprising:
Corresponding fingerprint characteristic is extracted from each fingerprint register image and the fingerprint image；
The corresponding fingerprint characteristic of fingerprint image fingerprint characteristic corresponding with each fingerprint register image is compared, and
The fingerprint similarity between the fingerprint image and each fingerprint register image is calculated；
Each fingerprint similarity is compared with the first similarity threshold, and the fingerprint image is judged according to comparison result
It can identify success, and obtain target user's account corresponding with the fingerprint image when identifying successfully.
Optionally, judge that can the fingerprint image identify success according to comparison result, and obtain when identifying successfully with
The step of fingerprint image corresponding target user's account, comprising:
When similarity numerical value is not less than the fingerprint similarity of first similarity threshold if it exists, not from similarity numerical value
In each user account less than first similarity threshold, choose the maximum user account of similarity numerical value as with the finger
The corresponding target user's account of print image, and determine to identify successfully；
If the similarity numerical value of all fingerprint similarities is less than first similarity threshold, recognition failures are determined.
Optionally, the gesture registration figure of target user's account corresponding with the fingerprint image that identification is obtained
Picture, with the images of gestures carry out gesture matching the step of include:
Corresponding gesture is extracted from the gesture registered images of target user's account and the images of gestures respectively
Feature；
According to the corresponding gesture feature of the gesture registered images and the corresponding gesture feature of the images of gestures, calculate
Gesture similarity between the images of gestures and the gesture registered images；
The gesture similarity is compared with the second similarity threshold, and is greater than or equal in the gesture similarity
When second similarity threshold, determine that the gesture registered images of target user's account are matched with the images of gestures gesture
Success.
Second aspect, the embodiment of the present application also provide a kind of mobile payment platform, and the mobile payment platform includes movement
Terminal and the server being connect with the communication of mobile terminal；
The mobile terminal, for scanning payment two dimensional code to obtain the corresponding beneficiary information of the payment two dimensional code,
Fingerprint image and images of gestures are acquired simultaneously, each fingerprint register image is compared with the fingerprint image, and according to comparison
As a result fingerprint recognition is carried out to the fingerprint image, if fingerprint recognition success, identification is obtained corresponding with the fingerprint image
Target user's account gesture registered images, with the images of gestures carry out gesture matching, when gesture successful match, display
Corresponding payment interface, and after the payment information inputted according to payment interface completes payment transaction, trading processing result is pushed away
Give the server, wherein the trading processing result include it is described payment two dimensional code two dimensional code attribute information, described two
Position when dimension code attribute information includes the corresponding beneficiary information of the payment two dimensional code and scans the payment two dimensional code
Information；
The server, for the two dimensional code attribute information of the payment two dimensional code to be stored in where the mobile terminal
In the name single user of the common payment list of user.
Optionally, the mobile terminal, is also used to respond user's operation, and Xiang Suoshu server sends the common payment name
The payment times setting instruction and payment amount setting instruction of each payment two dimensional code in list；
The server is also used to that instruction is arranged based on the payment times and commonly uses to user where the mobile terminal
The payment times and payment amount of the payment two dimensional code of the corresponding name single user of payment list are configured.
Optionally, the mobile terminal is also used to respond user's operation, and scanning target payment two dimensional code is to obtain the mesh
The two dimensional code attribute information of mark payment two dimensional code, wherein the two dimensional code attribute information includes the target payment two dimensional code pair
Location information when the beneficiary information answered and the scanning target payment two dimensional code；
The two dimensional code attribute information of the mobile terminal, the two dimensional code that is also used to pay the bill the target is sent to the service
Device；
The server is also used to judge whether the two dimensional code attribute information is the normal of user where the mobile terminal
With payment list in name single user two dimensional code attribute information, if the two dimensional code attribute information be the common payment list
In name single user two dimensional code attribute information, then obtain the remaining payment times of target payment two dimensional code, and judge institute
Whether the remaining payment times for stating target payment two dimensional code are zero, if the remaining payment times of target payment two dimensional code are not
Zero, then payment input prompt information is sent to the mobile terminal；
The mobile terminal is also used to show corresponding payment interface after receiving payment input prompt information,
And the payment information that the payment interface is inputted is sent to the server；
The server is also used to judge according to the payment information that the payment interface is inputted the target payment two dimension
Whether the remaining payment amount of code is greater than the payment amount in the payment information, if the remaining branch of target payment two dimensional code
The payment amount that amount is greater than in the payment information is paid, then completes payment transaction, otherwise exits this transaction；And
The server exits this branch if the remaining payment times for being also used to the target payment two dimensional code are zero
Pay transaction.
In terms of existing technologies, the application has the advantages that
Method of mobile payment and platform provided by the embodiments of the present application.Mobile scanning terminal pays the bill two dimensional code to obtain first
The corresponding beneficiary information of payment two dimensional code, and fingerprint matching and gesture matching are carried out, it is shown in fingerprint and gesture successful match
Show corresponding payment interface, and after completing payment transaction according to the payment information that payment interface is inputted, by trading processing result
It is pushed to server.The two dimensional code attribute information for two dimensional code of paying the bill is stored in the list of corresponding common payment list by server
In user.Thereby, it is possible to solve the security hidden trouble in the existing means of payment, in the payment two dimension crossed every time to never barcode scanning
By being verified to subscriber identity information when code progress barcode scanning payment, and by the two dimension of the payment two dimensional code after being verified
Code attribute information is stored, and payment can be completed by comparing two dimensional code attribute information in payment next time in this way, to protect
Hinder user's fund security, consumption and payment mode that is more convenient, trusting is provided.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only some embodiments of the application, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 is the interaction schematic diagram of mobile payment platform provided by the embodiments of the present application；
Fig. 2 is a kind of flow diagram of method of mobile payment provided by the embodiments of the present application；
Fig. 3 is another flow diagram of method of mobile payment provided by the embodiments of the present application.
Icon: 10- mobile payment platform；100- mobile terminal；300- server.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Usually herein
The component of the embodiment of the present application described and illustrated in place's attached drawing can be arranged and be designed with a variety of different configurations.
Therefore, the detailed description of the embodiments herein provided in the accompanying drawings is not intended to limit below claimed
Scope of the present application, but be merely representative of the selected embodiment of the application.Based on the embodiment in the application, this field is common
Technical staff's all other embodiment obtained without creative efforts belongs to the model of the application protection
It encloses.
It should also be noted that similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi
It is defined in a attached drawing, does not then need that it is further defined and explained in subsequent attached drawing.
Referring to Fig. 1, being the interaction schematic diagram of mobile payment platform 10 provided by the embodiments of the present application, the mobile payment is flat
Platform 10 may include the mobile terminal 100 and server 300 communicated to connect between each other.
In the present embodiment, the mobile terminal 100 can be sent or received by modes such as wired or wireless networks
Signal, or by signal processing or physical store state can be stored as in such as memory.Each mobile terminal 100 can be
Combined electronic device including hardware, software or embedded logic element or this two or more class component, and be able to carry out
The suitable function of being implemented or supported by mobile terminal 100.Optionally, the mobile terminal 100 can be a kind of with wireless
The equipment of transmission-receiving function, including indoor or outdoors, hand-held, wearing or mobile unit.For example, the mobile terminal 100 can be
Mobile phone (mobile phone), tablet computer (Pad) etc..Embodiments herein to application scenarios without limitation.
According to some embodiments of the present invention, mobile terminal 100 may include: comprising using processing unit and radio frequency/numerical digit
The processing unit of signal processor；Display screen；It may include secondary or physical bond, the membrane keyboard being covered on display screen or their combination
Keypad；SIM card；It may include the memory device of ROM, RAM, flash memory or their any combination
It sets；Wi-Fi and/or blue tooth interface；Wireless phone interface；Electric power management circuit with relevant battery；USB interface and connection
Device；Message management system with relevant microphone, loudspeaker and earphone jack；And various such as cameras, global location
The selectable appurtenances of system, accelerator etc..In addition, various user terminal applications can be installed on mobile terminal 100, use
The application of family end can be used for allowing to transmit using mobile terminal 100 order for being suitable for operating with other equipment.This kind of application
Can be from the memory downloaded and installed to mobile terminal 100 of server 300, it can also be installed in advance mobile whole
On end 100.
In embodiments of the present invention, the server 300 should be understood offer processing, data bank, the industry of communications service
Business point.For example, server 300 can refer at the single physics with related communication and data storage and document library facility
Reason device or it can refer to the aggregate of networking or the processor gathered, related network and storing unit, and to software and one
Or the application software serviced provided by multiple document library systems and support server 300 is operated.Server 300 can be
It is widely different in configuration or performance, but server 300 generally may include that one or more central processing unit and storage are single
Member.Server 300 can also be wired including one or more large-scale storage area equipment, one or more power supplys, one or more
Or wireless network components, one or more input output assemblies or one or more operating systems, such as, Windows
Server、Mac OS X、Unix、Linux、FreeBSD。
Referring to Fig. 2, be method of mobile payment provided by the embodiments of the present application a kind of flow diagram, the method by
Mobile payment platform 10 shown in Fig. 1 executes.It should be noted that method of mobile payment provided by the embodiments of the present application not with
Fig. 2 and specific order as described below are limitation.The detailed process of the method is as follows:
Step S110, the scanning of the mobile terminal 100 payment two dimensional code is to obtain the corresponding gathering of the payment two dimensional code
Square information, while acquiring fingerprint image and images of gestures.
In the present embodiment, when mobile terminal 100 when scanning some payment two dimensional code for the first time, the acquisition payment is two-dimentional
The corresponding beneficiary information of code, while acquiring fingerprint image and images of gestures.
Each fingerprint register image is compared step S120 with the fingerprint image, and according to comparison result to described
Fingerprint image carries out fingerprint recognition.
As an implementation, the mobile terminal 100 can be from each fingerprint register image and the fingerprint image
Corresponding fingerprint characteristic is extracted as in, the corresponding fingerprint characteristic of the fingerprint image is corresponding with each fingerprint register image
The fingerprint characteristic fingerprint similarity that is compared, and is calculated between the fingerprint image and each fingerprint register image, most
Each fingerprint similarity is compared with the first similarity threshold afterwards, and judges that can the fingerprint image be known according to comparison result
Not Cheng Gong, and target user's account corresponding with the fingerprint image is obtained when identifying successfully.For example, similar degree if it exists
When value is not less than the fingerprint similarity of first similarity threshold, it is not less than first similarity threshold from similarity numerical value
Each user account in, choose the maximum user account of similarity numerical value as target user's account corresponding with the fingerprint image
Number, and determine to identify successfully, if the similarity numerical value of all fingerprint similarities is less than first similarity threshold, determine to know
Do not fail.
Step S130, if fingerprint recognition success, target user's account corresponding with the fingerprint image that identification is obtained
Gesture registered images, with the images of gestures carry out gesture matching.
In the present embodiment, if fingerprint recognition success, respectively the gesture registered images from target user's account and institute
It states and extracts corresponding gesture feature in images of gestures, and according to the corresponding gesture feature of the gesture registered images and the hand
The gesture similarity between the images of gestures and the gesture registered images is calculated in the corresponding gesture feature of gesture image,
Finally the gesture similarity is compared with the second similarity threshold, and in the gesture similarity more than or equal to described
When the second similarity threshold, determine that the gesture registered images of target user's account are matched into the images of gestures gesture
Function.
Step S140 shows corresponding payment interface, and the branch inputted according to payment interface when gesture successful match
After paying information completion payment transaction, trading processing result is pushed to the server 300.
In the present embodiment, after gesture successful match, corresponding payment interface is shown to prompt the user to input disbursement letter
Breath, such as this payment amount etc., after completing payment transaction, generation trading processing is as a result, and by the trading processing result
Two dimensional code attribute information including the payment two dimensional code, the two dimensional code attribute information includes that the payment two dimensional code is corresponding
Beneficiary information and scanning it is described payment two dimensional code when location information.Wherein, the corresponding beneficiary of the payment two dimensional code
The Merchant name of information namely corresponding businessman, businessman's head portrait, Merchant ID, businessman's creation time etc. information, the scanning institute
Location information namely the mobile terminal 100 when stating payment two dimensional code need to open self poisoning function when scanning the two-dimensional code,
Location information at this time is obtained by positioning function when each scanning.
The two dimensional code attribute information of the payment two dimensional code is stored in the movement by step S150, the server 300
In the name single user of the common payment list of 100 place user of terminal.
In the present embodiment, the server 300 is after the two dimensional code attribute information for receiving the payment two dimensional code by institute
State payment two dimensional code two dimensional code attribute information be stored in the 100 place user of mobile terminal common payment list list
In user.
Based on above-mentioned steps, the security hidden trouble being able to solve in the existing means of payment, every time to never barcode scanning mistake
Payment two dimensional code when carrying out barcode scanning payment by being verified to subscriber identity information, and by the payment two after being verified
The two dimensional code attribute information of dimension code is stored, and branch can be completed by comparing two dimensional code attribute information in payment next time in this way
It pays, to ensure user's fund security, provides consumption and payment mode that is more convenient, trusting.
Further, Fig. 3 is please referred to, after the step S150, the method can also include the following steps:
Step S160, the mobile terminal 100 respond user's operation, and Xiang Suoshu server 300 sends the common payment
The payment times setting instruction and payment amount setting instruction of each payment two dimensional code in list.
Step S170, the server 300 are based on payment times setting instruction and payment amount setting instruction to institute
State the payment times and branch of the payment two dimensional code of the corresponding name single user of the common payment list of 100 place user of mobile terminal
Amount is paid to be configured.
In the present embodiment, the mobile terminal 100 can be to each payment two dimensional code in the common payment list
Payment times and payment amount are configured, such as the payment two dimensional code for paying more frequent businessman, can will be paid
Number is higher with payment amount setting, can be by payment times and payment for the payment two dimensional code of the businessman of less payment
Amount is arranged lower.
It, can be in order to executing different payments for the businessman under different payment scenes when continuation payment based on above-mentioned design
Strategy, consequently facilitating capital management.
Further, in application, after the step S170, the method can also include the following steps:
Firstly, the mobile terminal 100 responds user's operation when user is after initiate delivery operation next time, mesh is scanned
Mark pays the bill two dimensional code to obtain the two dimensional code attribute information of the target payment two dimensional code, wherein the two dimensional code attribute information
Location information when including the corresponding beneficiary information of target payment two dimensional code and scanning the target payment two dimensional code.
Then, the two dimensional code attribute information of target payment two dimensional code is sent to the server 300.
Then, the server 300 judges whether the two dimensional code attribute information is the 100 place user of mobile terminal
Common payment list in name single user two dimensional code attribute information.In detail, the server 300 first determines whether described pay
Whether the corresponding beneficiary information of money two dimensional code is in the beneficiary information of the name single user in the common payment list, if institute
State the corresponding beneficiary information of payment two dimensional code not in the beneficiary information of the name single user in the common payment list, then
Determining the two dimensional code attribute information not is the two dimensional code attribute information for commonly using the name single user in payment list, if the payment
The corresponding beneficiary information of two dimensional code then obtains and is working as in the beneficiary information of the name single user in the common payment list
At least one target position information when history scans the beneficiary information before the preceding moment, and the payment two dimensional code will be scanned
When location information matched at least one described target position information, in successful match, determine the two dimensional code category
Property information be that the two dimensional code attribute information of name single user in common payment list determines the two dimensional code when it fails to match
Attribute information is not the two dimensional code attribute information of the name single user in common payment list.
On the basis of the above, if the two dimensional code attribute information is the two dimension of the name single user in the common payment list
Code attribute information, then obtain the remaining payment times of the target payment two dimensional code, and judges the target payment two dimensional code
Whether remaining payment times are zero, if the remaining payment times of target payment two dimensional code are not zero, eventually to the movement
End 100 sends payment input prompt information, and the mobile terminal 100 shows phase after receiving the payment input prompt information
The payment interface answered, and the payment information that the payment interface is inputted is sent to the server 300, the server
300 judge whether the remaining payment amount of the target payment two dimensional code is big according to the payment information that the payment interface is inputted
Payment amount in the payment information, if the remaining payment amount of target payment two dimensional code is greater than the payment information
In payment amount, then complete payment transaction, otherwise exit this transaction.
In addition, exiting this payment transaction if the remaining payment times of target payment two dimensional code are zero.
Based on above-mentioned design, payment can be completed by comparing two dimensional code attribute information in continuation payment, to ensure
User's fund security provides consumption and payment mode that is more convenient, trusting.
In conclusion method of mobile payment provided by the embodiments of the present application and platform.Mobile scanning terminal payment two first
Dimension code carries out fingerprint matching and gesture matching to obtain the corresponding beneficiary information of payment two dimensional code, in fingerprint and gesture
Corresponding payment interface is shown when with success, and after completing payment transaction according to the payment information that payment interface is inputted, will be handed over
Easy to handle result is pushed to server.The two dimensional code attribute information for two dimensional code of paying the bill is stored in corresponding common payment by server
In the name single user of list.Thereby, it is possible to solve the security hidden trouble in the existing means of payment, every time to never barcode scanning mistake
Payment two dimensional code when carrying out barcode scanning payment by being verified to subscriber identity information, and by the payment two after being verified
The two dimensional code attribute information of dimension code is stored, and branch can be completed by comparing two dimensional code attribute information in payment next time in this way
It pays, to ensure user's fund security, provides consumption and payment mode that is more convenient, trusting.
In embodiment provided herein, it should be understood that disclosed device and method, it can also be by other
Mode realize.Device and method embodiment described above is only schematical, for example, flow chart and frame in attached drawing
Figure shows the system frame in the cards of the system of multiple embodiments according to the application, method and computer program product
Structure, function and operation.In this regard, each box in flowchart or block diagram can represent a module, section or code
A part, a part of the module, section or code includes one or more for implementing the specified logical function
Executable instruction.It should also be noted that function marked in the box can also be with not in some implementations as replacement
It is same as the sequence marked in attached drawing generation.For example, two continuous boxes can actually be basically executed in parallel, they have
When can also execute in the opposite order, this depends on the function involved.It is also noted that in block diagram and or flow chart
Each box and the box in block diagram and or flow chart combination, can function or movement as defined in executing it is dedicated
Hardware based system realize, or can realize using a combination of dedicated hardware and computer instructions.
In addition, each functional module in each embodiment of the application can integrate one independent portion of formation together
Point, it is also possible to modules individualism, an independent part can also be integrated to form with two or more modules.
It can replace, can be realized wholly or partly by software, hardware, firmware or any combination thereof.When
When using software realization, can entirely or partly it realize in the form of a computer program product.The computer program product
Including one or more computer instructions.It is all or part of when loading on computers and executing the computer program instructions
Ground is generated according to process or function described in the embodiment of the present application.The computer can be general purpose computer, special purpose computer,
Computer network or other programmable devices.The computer instruction may be stored in a computer readable storage medium, or
Person is transmitted from a computer readable storage medium to another computer readable storage medium, for example, the computer instruction
Wired (such as coaxial cable, optical fiber, digital subscriber can be passed through from a web-site, computer, server or data center
Line (DSL)) or wireless (such as infrared, wireless, microwave etc.) mode to another web-site, computer, server or data
It is transmitted at center.The computer readable storage medium can be any usable medium that computer can access and either wrap
The data storage devices such as server, the data center integrated containing one or more usable mediums.The usable medium can be magnetic
Property medium, (for example, floppy disk, hard disk, tape), optical medium (for example, DVD) or semiconductor medium (such as solid state hard disk
Solid State Disk (SSD)) etc.
It should be noted that, in this document, term " including ", " including " or its any other variant are intended to non-row
Its property includes, so that the process, method, article or equipment for including a series of elements not only includes those elements, and
And further include the other elements being not explicitly listed, or further include for this process, method, article or equipment institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence " including one ... ", it is not excluded that including institute
State in the process, method, article or equipment of element that there is also other identical elements.
It is obvious to a person skilled in the art that the application is not limited to the details of above-mentioned exemplary embodiment, Er Qie
In the case where without departing substantially from spirit herein or essential characteristic, the application can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and scope of the present application is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included in the application.Any reference signs in the claims should not be construed as limiting the involved claims.
Claims (10)
1. a kind of method of mobile payment, which is characterized in that be applied to mobile payment platform, the mobile payment platform includes movement
Terminal and the server being connect with the communication of mobile terminal, which comprises
The mobile scanning terminal payment two dimensional code is to obtain the corresponding beneficiary information of the payment two dimensional code, while acquisition refers to
Print image and images of gestures；
Each fingerprint register image is compared with the fingerprint image, and the fingerprint image is referred to according to comparison result
Line identification；
If fingerprint recognition success, the gesture registration figure for target user's account corresponding with the fingerprint image that identification is obtained
Picture carries out gesture matching with the images of gestures；
When gesture successful match, corresponding payment interface is shown, and branch is completed according to the payment information that payment interface is inputted
After paying transaction, trading processing result is pushed to the server, wherein the trading processing result includes the payment two dimension
The two dimensional code attribute information of code, the two dimensional code attribute information include the corresponding beneficiary information of the payment two dimensional code and sweep
Retouch the location information when payment two dimensional code；
User's is normal where the two dimensional code attribute information of the payment two dimensional code is stored in the mobile terminal by the server
In name single user with payment list.
2. method of mobile payment according to claim 1, which is characterized in that the server is by the payment two dimensional code
After step where two dimensional code attribute information is stored in the mobile terminal in the common payment list of user, the method is also
Include:
The mobile terminal responds user's operation, and Xiang Suoshu server sends each payment two dimensional code in the common payment list
Payment times setting instruction and payment amount setting instruction；
The server is based on payment times setting instruction and payment amount setting instruction is used where the mobile terminal
The payment times and payment amount of the payment two dimensional code of the corresponding name single user of the common payment list at family are configured.
3. method of mobile payment according to claim 2, which is characterized in that the server is based on the payment times and sets
Instruction and the payment amount setting instruction are set to the corresponding list of the common payment list of user where the mobile terminal
After the step of payment times and payment amount of the payment two dimensional code of user are configured, the method also includes:
The mobile terminal responds user's operation, and scanning target pays the bill two dimensional code to obtain the two dimension of the target payment two dimensional code
Code attribute information, wherein the two dimensional code attribute information include the corresponding beneficiary information of target payment two dimensional code and
Scan the location information when target payment two dimensional code；
The two dimensional code attribute information of target payment two dimensional code is sent to the server；
The server judge the two dimensional code attribute information whether be user where the mobile terminal common payment list
In name single user two dimensional code attribute information；
If the two dimensional code attribute information is the two dimensional code attribute information of the name single user in the common payment list, obtain
The remaining payment times of target payment two dimensional code, and judge the target payment two dimensional code remaining payment times whether be
Zero；
If the remaining payment times of the target payment two dimensional code are not zero, payment input prompt is sent to the mobile terminal
Information；
The mobile terminal shows corresponding payment interface after receiving payment input prompt information, and by the payment
The payment information that interface is inputted is sent to the server；
The server judges that the remaining of target payment two dimensional code props up according to the payment information that the payment interface is inputted
Pay whether amount is greater than the payment amount in the payment information, if the remaining payment amount of target payment two dimensional code is greater than
Payment amount in the payment information, then complete payment transaction, otherwise exits this transaction；And
If the remaining payment times of the target payment two dimensional code are zero, this payment transaction is exited.
4. method of mobile payment according to claim 3, which is characterized in that the server judges the two dimensional code attribute
Whether information is the step of commonly using the two dimensional code attribute information of the name single user in payment list, comprising:
Judge the corresponding beneficiary information of the payment two dimensional code whether the receipts of the name single user in the common payment list
In money side's information；
If the beneficiary of the name single user of the corresponding beneficiary information of two dimensional code not in the common payment list of paying the bill
In information, then determining the two dimensional code attribute information not is the two dimensional code attribute information for commonly using the name single user in payment list；
If the beneficiary letter of the name single user of the corresponding beneficiary information of two dimensional code in the common payment list of paying the bill
In breath, then at least one target position information when the history before current time scans the beneficiary information is obtained；
Location information when scanning the payment two dimensional code is matched at least one described target position information；
In successful match, determine that the two dimensional code attribute information is the two dimensional code attribute of the name single user in common payment list
Information；
When it fails to match, determining the two dimensional code attribute information not is the two dimensional code category for commonly using the name single user in payment list
Property information.
5. method of mobile payment according to claim 1, which is characterized in that described by each fingerprint register image and the finger
Print image is compared, and the step of carrying out fingerprint recognition to the fingerprint image according to comparison result, comprising:
Corresponding fingerprint characteristic is extracted from each fingerprint register image and the fingerprint image；
The corresponding fingerprint characteristic of fingerprint image fingerprint characteristic corresponding with each fingerprint register image is compared, and is calculated
Obtain the fingerprint similarity between the fingerprint image and each fingerprint register image；
Each fingerprint similarity is compared with the first similarity threshold, and judges that can the fingerprint image according to comparison result
It identifies successfully, and obtains target user's account corresponding with the fingerprint image when identifying successfully.
6. method of mobile payment according to claim 5, which is characterized in that judge the fingerprint image according to comparison result
It can identify success, and the step of obtaining when identifying successfully target user's account corresponding with the fingerprint image, comprising:
When similarity numerical value is not less than the fingerprint similarity of first similarity threshold if it exists, it is not less than from similarity numerical value
In each user account of first similarity threshold, choose the maximum user account of similarity numerical value as with the fingerprint image
As corresponding target user's account, and determine to identify successfully；
If the similarity numerical value of all fingerprint similarities is less than first similarity threshold, recognition failures are determined.
7. method of mobile payment according to claim 1, which is characterized in that it is described will identification it is obtaining with the fingerprint image
As the gesture registered images of corresponding target user's account, include: with the step of images of gestures progress gesture matching
Corresponding gesture feature is extracted from the gesture registered images of target user's account and the images of gestures respectively；
According to the corresponding gesture feature of the gesture registered images and the corresponding gesture feature of the images of gestures, institute is calculated
State the gesture similarity between images of gestures and the gesture registered images；
The gesture similarity is compared with the second similarity threshold, and in the gesture similarity more than or equal to described
When the second similarity threshold, determine that the gesture registered images of target user's account are matched into the images of gestures gesture
Function.
8. a kind of mobile payment platform, which is characterized in that the mobile payment platform include mobile terminal and with the movement
The server of terminal communication connection；
The mobile terminal, for scanning payment two dimensional code to obtain the corresponding beneficiary information of the payment two dimensional code, simultaneously
Fingerprint image and images of gestures are acquired, each fingerprint register image is compared with the fingerprint image, and according to comparison result
Fingerprint recognition is carried out to the fingerprint image, if fingerprint recognition success, the mesh corresponding with the fingerprint image that identification is obtained
The gesture registered images for marking user account carry out gesture matching with the images of gestures, and when gesture successful match, display is corresponding
Payment interface, and after the payment information inputted according to payment interface completes payment transaction, trading processing result is pushed to
The server, wherein the trading processing result includes the two dimensional code attribute information of the payment two dimensional code, the two dimensional code
Location information when attribute information includes the corresponding beneficiary information of the payment two dimensional code and scans the payment two dimensional code；
The server, for user where the two dimensional code attribute information of the payment two dimensional code is stored in the mobile terminal
Common payment list name single user in.
9. mobile payment platform according to claim 8, it is characterised in that:
The mobile terminal, is also used to respond user's operation, and Xiang Suoshu server sends in the common payment list each pair
The payment times setting instruction and payment amount setting instruction of money two dimensional code；
The server is also used to that common payment of the instruction to user where the mobile terminal is arranged based on the payment times
The payment times and payment amount of the payment two dimensional code of the corresponding name single user of list are configured.
10. mobile payment platform according to claim 9, it is characterised in that:
The mobile terminal is also used to respond user's operation, and scanning target payment two dimensional code is to obtain the target payment two dimension
The two dimensional code attribute information of code, wherein the two dimensional code attribute information includes the corresponding beneficiary of the target payment two dimensional code
Location information when information and scanning target payment two dimensional code；
The two dimensional code attribute information of the mobile terminal, the two dimensional code that is also used to pay the bill the target is sent to the server；
The server is also used to judge whether the two dimensional code attribute information is that the common of user where the mobile terminal is paid
The two dimensional code attribute information of name single user in money list, if the two dimensional code attribute information is in the common payment list
The two dimensional code attribute information of name single user, then obtain the remaining payment times of the target payment two dimensional code, and judges the mesh
Whether the remaining payment times of mark payment two dimensional code are zero, if the remaining payment times of target payment two dimensional code are not zero,
Then payment input prompt information is sent to the mobile terminal；
The mobile terminal is also used to show corresponding payment interface after receiving the payment input prompt information, and incites somebody to action
The payment information that the payment interface is inputted is sent to the server；
The server is also used to judge according to the payment information that the payment interface is inputted the target payment two dimensional code
Whether residue payment amount is greater than the payment amount in the payment information, if the remaining amount paid of target payment two dimensional code
Degree is greater than the payment amount in the payment information, then completes payment transaction, otherwise exit this transaction；And
The server exits this payment and hands over if the remaining payment times for being also used to the target payment two dimensional code are zero
Easily.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910510939.5A CN110210853A (en) | 2019-06-13 | 2019-06-13 | A kind of method of mobile payment and platform |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910510939.5A CN110210853A (en) | 2019-06-13 | 2019-06-13 | A kind of method of mobile payment and platform |
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| Publication Number | Publication Date |
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| CN110210853A true CN110210853A (en) | 2019-09-06 |
Family
ID=67792508
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| Application Number | Title | Priority Date | Filing Date |
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| CN201910510939.5A Withdrawn CN110210853A (en) | 2019-06-13 | 2019-06-13 | A kind of method of mobile payment and platform |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113630735A (en) * | 2021-10-13 | 2021-11-09 | 南京云联数科科技有限公司 | Method and device for correcting position of commercial place, electronic device, and storage medium |
-
2019
- 2019-06-13 CN CN201910510939.5A patent/CN110210853A/en not_active Withdrawn
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113630735A (en) * | 2021-10-13 | 2021-11-09 | 南京云联数科科技有限公司 | Method and device for correcting position of commercial place, electronic device, and storage medium |
| CN113630735B (en) * | 2021-10-13 | 2022-01-28 | 南京云联数科科技有限公司 | Method and device for correcting position of commercial place, electronic device, and storage medium |
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Application publication date: 20190906 |