CN110245939B - Payment method and device - Google Patents
Payment method and device Download PDFInfo
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- CN110245939B CN110245939B CN201910510963.9A CN201910510963A CN110245939B CN 110245939 B CN110245939 B CN 110245939B CN 201910510963 A CN201910510963 A CN 201910510963A CN 110245939 B CN110245939 B CN 110245939B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The embodiment of the application provides a payment method and device. The user terminal acquires two-dimensional code attribute information of the target payment two-dimensional code and judges whether the two-dimensional code attribute information is the two-dimensional code attribute information of a list user in a common payment list, and if the two-dimensional code attribute information is the two-dimensional code attribute information of the list user in the common payment list, the payment operation is passed; and if not, pop-up window reminding is carried out, whether the user needs to add the two-dimension code attribute information of the target payment two-dimension code into a common payment list is prompted, if so, fingerprint matching and gesture matching are respectively carried out, and the two-dimension code attribute information of the target payment two-dimension code is added into the common payment list after the fingerprint matching and the gesture matching pass. Therefore, the potential safety hazard problem in the existing payment mode can be solved, the fund safety of a user is guaranteed, and a more convenient and reassuring consumption payment mode is provided.
Description
Technical Field
The application relates to the technical field of payment, in particular to a payment method and device.
Background
With the popularization of the intelligent user terminal (such as a smart phone), the use of two-dimensional code payment is also more and more popularized; in addition, consumers increasingly enjoy and rely on convenience brought by two-dimension code payment, and a transaction payment habit of the two-dimension code payment is widely formed. Therefore, in the current environment, merchants also strive to meet the payment habits of consumer users, providing or installing hardware capable of supporting two-dimensional code payment.
In the two-dimension code payment process, payment is generally realized by scanning the two-dimension code, and the current code scanning payment mode is mainly to carry out payment by actively scanning the two-dimension code of a payee through a user terminal and identifying payment information contained in the two-dimension code. However, since the payment information is stored in the two-dimensional code, and the two-dimensional code information cannot be directly read by human eyes, hidden danger problems of payment security are easily caused, for example, the two-dimensional code on the automatic vending machine of the merchant is maliciously tampered by people, and the loss of consumers is caused.
Disclosure of Invention
In order to overcome the above-mentioned disadvantages of the prior art, the present application aims to provide a payment method and apparatus.
In order to achieve the above purpose, the embodiments of the present application employ the following technical solutions:
in a first aspect, an embodiment of the present application provides a payment method, which is applied to a user terminal, and the method includes:
the user terminal responds to user operation and scans a target payment two-dimensional code to acquire two-dimensional code attribute information of the target payment two-dimensional code, wherein the two-dimensional code attribute information comprises payee information corresponding to the target payment two-dimensional code and position information when the target payment two-dimensional code is scanned;
judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list or not;
if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, the payment operation is passed;
if the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list, performing popup prompt to prompt the user whether to add the two-dimension code attribute information of the target payment two-dimension code to the common payment list;
when identifying that a user needs to add two-dimension code attribute information of the target payment two-dimension code into the common payment list, collecting a fingerprint image and a gesture image;
comparing each fingerprint registration image with the fingerprint image, and performing fingerprint identification on the fingerprint image according to a comparison result;
if the fingerprint identification is successful, performing gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image, which is obtained through identification, and the gesture image;
and if the gesture matching is successful, adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list.
Optionally, the step of comparing each fingerprint registration image with the fingerprint image and performing fingerprint identification on the fingerprint image according to the comparison result includes:
extracting fingerprint features corresponding to each fingerprint registration image and each fingerprint image;
comparing the fingerprint characteristics corresponding to the fingerprint images with the fingerprint characteristics corresponding to each fingerprint registration image, and calculating to obtain the fingerprint similarity between the fingerprint images and each fingerprint registration image;
and comparing the similarity of each fingerprint with a first similarity threshold, judging whether the fingerprint image can be successfully identified according to the comparison result, and obtaining a target user account corresponding to the fingerprint image when the identification is successful.
Optionally, the step of determining whether the fingerprint image is successfully identified according to the comparison result, and obtaining a target user account corresponding to the fingerprint image when the fingerprint image is successfully identified includes:
if the fingerprint similarity with the similarity value not smaller than the first similarity threshold exists, selecting the user account with the maximum similarity value from the user accounts with the similarity value not smaller than the first similarity threshold as a target user account corresponding to the fingerprint image, and judging that the identification is successful;
and if the similarity values of all the fingerprint similarities are smaller than the first similarity threshold, judging that the identification fails.
Optionally, the step of performing gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image and the gesture image, which is obtained by identification, includes:
extracting corresponding gesture features from the gesture registration image of the target user account and the gesture image respectively;
calculating to obtain gesture similarity between the gesture image and the gesture registration image according to the gesture features corresponding to the gesture registration image and the gesture features corresponding to the gesture image;
and comparing the gesture similarity with a second similarity threshold, and judging that the gesture registration image of the target user account is successfully matched with the gesture image when the gesture similarity is greater than or equal to the second similarity threshold.
Optionally, before the step of scanning, by the user terminal, the two-dimensional code for payment to obtain the two-dimensional code attribute information of the two-dimensional code for payment, the method further includes:
and the user terminal responds to user operation and sets the payment times and payment amount of each payment two-dimensional code of the list user corresponding to the common payment list.
Optionally, before the step of passing the payment operation, the method further includes:
acquiring the residual payment times of the target payment two-dimensional code, and judging whether the residual payment times of the target payment two-dimensional code is zero or not;
if the residual payment times of the target payment two-dimensional code is not zero, displaying a corresponding payment interface, judging whether the residual payment amount of the target payment two-dimensional code is larger than the payment amount in the payment information or not according to the payment information input by the payment interface, if the residual payment amount of the target payment two-dimensional code is larger than the payment amount in the payment information, finishing the payment transaction, otherwise, quitting the transaction; and
and if the residual payment times of the target payment two-dimensional code is zero, quitting the payment transaction.
Optionally, the step of determining whether the two-dimensional code attribute information is the two-dimensional code attribute information of the list user in the common payment list includes:
judging whether the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list or not;
if the payee information corresponding to the target payment two-dimensional code is not in the payee information of the list user in the common payment list, judging that the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list;
if the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list, acquiring at least one target position information when the payee information is scanned historically before the current time;
matching the position information when the target payment two-dimensional code is scanned with the at least one target position information;
when the matching is successful, judging that the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list;
and when the matching fails, judging that the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list.
Optionally, before the step of determining whether the two-dimensional code attribute information is the two-dimensional code attribute information of the list user in the common payment list, the method further includes:
and responding to the user operation, and downloading and storing the common payment list from the server.
In a second aspect, an embodiment of the present application further provides a payment apparatus, which is applied to a user terminal, where the apparatus includes:
the acquisition module is used for responding to user operation and scanning the target payment two-dimensional code to acquire two-dimensional code attribute information of the target payment two-dimensional code, wherein the two-dimensional code attribute information comprises payee information corresponding to the target payment two-dimensional code and position information when the target payment two-dimensional code is scanned;
the judging module is used for judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list users in the common payment list;
the payment passing module is used for passing the payment operation if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list;
the prompting module is used for performing popup prompting if the two-dimension code attribute information is not the two-dimension code attribute information of the list user in a common payment list, and prompting whether the user needs to add the two-dimension code attribute information of the target payment two-dimension code into the common payment list;
the acquisition module is used for acquiring a fingerprint image and a gesture image when identifying that the user needs to add the two-dimension code attribute information of the target payment two-dimension code into the common payment list;
the comparison module is used for comparing each fingerprint registration image with the fingerprint image and carrying out fingerprint identification on the fingerprint image according to a comparison result;
the matching module is used for carrying out gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image and the gesture image if the fingerprint identification is successful;
and the adding module is used for adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list if the gesture matching is successful.
In a third aspect, an embodiment of the present application further provides a readable storage medium, where a computer program is stored, and the computer program, when executed, implements the above-mentioned payment method.
Compared with the prior art, the method has the following beneficial effects:
according to the payment method and the payment device, firstly, a user terminal obtains two-dimension code attribute information of a target payment two-dimension code and judges whether the two-dimension code attribute information is the two-dimension code attribute information of a list user in a common payment list, and if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, the payment operation is carried out; if not, popup reminding is carried out, prompting whether the user needs to add the two-dimension code attribute information of the target payment two-dimension code into a common payment list, respectively carrying out fingerprint matching and gesture matching when the user recognizes that the two-dimension code attribute information of the target payment two-dimension code needs to be added into the common payment list, and adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list after the fingerprint matching and the gesture matching are passed. From this, can solve the potential safety hazard problem among the current payment methods, pass through verifying user identity information when scanning the sign indicating number payment to the payment two-dimensional code that never scanned the sign indicating number at every turn to verify the two-dimensional code attribute information with this payment two-dimensional code and save after passing, can accomplish the payment through comparing two-dimensional code attribute information when paying next time like this, thereby ensure user's fund safety, provide more convenient, reassurance consumption payment methods.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and it will be apparent to those skilled in the art that other related drawings can be obtained from the drawings without inventive effort.
Fig. 1 is a schematic view of an application scenario of a payment method according to an embodiment of the present application;
fig. 2 is a schematic flowchart of a payment method provided in an embodiment of the present application;
fig. 3 is a schematic block diagram of a user terminal for implementing the payment method according to an embodiment of the present application;
fig. 4 is a functional block diagram of the payment apparatus shown in fig. 3 according to an embodiment of the present application.
Icon: 100-a user terminal; 110-a memory; 120-a processor; 200-a payment device; 210-an obtaining module; 220-a judgment module; 230-payment pass module; 240-prompt module; 250-an acquisition module; 260-an alignment module; 270-a matching module; 280-an addition module; 300-server.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
Please refer to fig. 1, which is a schematic view of an application scenario of a payment method according to an embodiment of the present application. In this embodiment, the application scenario may include the user terminal 100 and the server 300 that are communicatively connected to each other.
In this embodiment, the user terminal 100 may transmit or receive a signal through a manner such as wired or wireless network, or may process or store the signal in a physical storage state such as a memory. Each user terminal 100 may be an electronic device comprising hardware, software, or embedded logic elements, or a combination of two or more such elements, and capable of performing the appropriate functions implemented or supported by the user terminal 100. Alternatively, the user terminal 100 may be a device with wireless transceiving function, including an indoor or outdoor, handheld, wearable, or vehicle-mounted device. For example, the user terminal 100 may be a mobile phone (mobile phone), a tablet computer (Pad), or the like. The embodiments of the present application do not limit the application scenarios.
According to some embodiments of the present invention, the user terminal 100 may include: a processing device including an application processing section and a radio frequency/digital signal processor; a display screen; a keypad that may include physical keys, touch keys overlaid on a display, or a combination thereof; a subscriber identity module card; memory devices that may include ROM, RAM, flash memory, or any combination thereof; a Wi-Fi and/or Bluetooth interface; a wireless telephone interface; a power management circuit with an associated battery; a USB interface and a connector; an audio management system with associated microphone, speaker and headphone jack; and various optional accessory components such as cameras, global positioning systems, accelerators, etc. In addition, various client applications may be installed on the user terminal 100, and the client applications may be used to allow the user terminal 100 to be used to transmit commands suitable for operation with other devices. Such applications may be downloaded from the server 300 and installed in the memory of the user terminal 100, or may have been previously installed on the user terminal 100.
In the present embodiment, the server 300 should be understood as a service point providing processes, databases, and communication facilities. By way of example, server 300 may refer to a single physical processor with associated communication and data storage and library facilities, or it may refer to a networked or clustered collection of processors, associated networks, and storage devices, and operates on software and one or more library systems and application software that support the services provided by server 300. The servers 300 may vary widely in configuration or performance, but the servers 300 may generally include one or more central processing units and memory units. The Server 300 may also include one or more large storage devices, one or more power supplies, one or more wired or wireless network components, one or more input/output components, or one or more operating systems, such as Windows Server, Mac OS X, Unix, Linux, FreeBSD.
Referring to fig. 2, a flowchart of a payment method according to an embodiment of the present application is shown, where the method is executed by the user terminal 100 shown in fig. 1. It should be noted that the payment method provided by the embodiment of the present application is not limited by the specific sequence described in fig. 2 and below. The method comprises the following specific steps:
step S110, the user terminal 100 responds to a user operation, and scans the target payment two-dimensional code to obtain the two-dimensional code attribute information of the target payment two-dimensional code.
In this embodiment, when the user needs to initiate a payment operation, the user terminal 100 responds to the payment operation, and scans the target payment two-dimensional code to obtain the two-dimensional code attribute information of the target payment two-dimensional code. The two-dimension code attribute information comprises payee information corresponding to the target payment two-dimension code and position information when the target payment two-dimension code is scanned. The payee information corresponding to the payment two-dimensional code is also the corresponding information such as the name of the merchant, the head portrait of the merchant, the ID of the merchant, the creation time of the merchant, and the like of the merchant, the location information when the payment two-dimensional code is scanned is also the location information of the user terminal 100 which needs to be started when the two-dimensional code is scanned, and the location information at this time is obtained through the location function when the two-dimensional code is scanned each time.
And step S120, judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list.
In detail, before the step S120, the user terminal 100 needs to download and store the common payment list from the server 300 in response to a user operation. And then, firstly, judging whether the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list, and if the payee information corresponding to the target payment two-dimensional code is not in the payee information of the list user in the common payment list, judging that the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list. If the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list, acquiring at least one target position information when the payee information is scanned historically before the current time, matching the position information when the target payment two-dimensional code is scanned with the at least one target position information, judging that the two-dimensional code attribute information is the two-dimensional code attribute information of the list user in the common payment list when matching is successful, and judging that the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list when matching is failed.
Step S130, if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, the payment operation is passed.
Optionally, before the step S110, the user terminal 100 may further set the payment times and payment amount of each payment two-dimensional code of the list user corresponding to the common payment list in response to a user operation. In detail, in this embodiment, the user terminal 100 may set the payment times and the payment amount of each payment two-dimensional code in the common payment list, for example, for a payment two-dimensional code of a merchant who pays frequently, the payment times and the payment amount may be set higher, and for a payment two-dimensional code of a merchant who pays less, the payment times and the payment amount may be set lower.
Based on the design, different payment strategies can be conveniently executed for merchants under different payment scenes in subsequent payment, and therefore fund management is facilitated.
On the basis, in this step S130, as an implementation manner, if the two-dimensional code attribute information is two-dimensional code attribute information of a list user in a common payment list, the remaining payment times of the target payment two-dimensional code may be obtained, and it is determined whether the remaining payment times of the target payment two-dimensional code is zero, if the remaining payment times of the target payment two-dimensional code is not zero, a corresponding payment interface is displayed, and it is determined whether the remaining payment amount of the target payment two-dimensional code is greater than the payment amount in the payment information according to the payment information input by the payment interface, if the remaining payment amount of the target payment two-dimensional code is greater than the payment amount in the payment information, the payment transaction is completed, otherwise, the transaction is exited. In addition, if the residual payment times of the target payment two-dimensional code is zero, the payment transaction is quitted.
Step S140, if the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list, a popup window is prompted to prompt the user whether the two-dimension code attribute information of the target payment two-dimension code needs to be added to the common payment list.
In this embodiment, if the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list, a pop-up window may be displayed to prompt the user whether to add the two-dimensional code attribute information of the target payment two-dimensional code to the common payment list, and the user may select yes or no in the pop-up window.
And S150, when the condition that the user needs to add the two-dimension code attribute information of the target payment two-dimension code to the common payment list is identified, collecting a fingerprint image and a gesture image.
In this embodiment, when it is recognized that the user needs to add the two-dimensional code attribute information of the target payment two-dimensional code to the common payment list, a fingerprint image may be collected by the fingerprint collecting unit, and a gesture image may be collected by the gesture collecting unit.
Step S160, comparing each fingerprint registration image with the fingerprint image, and performing fingerprint identification on the fingerprint image according to the comparison result.
In this embodiment, as an implementation manner, fingerprint features corresponding to each fingerprint registration image and each fingerprint image may be extracted from the fingerprint registration images, the fingerprint features corresponding to the fingerprint images are compared with the fingerprint features corresponding to each fingerprint registration image, a fingerprint similarity between each fingerprint image and each fingerprint registration image is obtained through calculation, finally, each fingerprint similarity is compared with a first similarity threshold, whether the fingerprint image can be successfully identified is determined according to a comparison result, and a target user account corresponding to the fingerprint image is obtained when the fingerprint image is successfully identified. More specifically, if there is a fingerprint similarity with a similarity value not less than the first similarity threshold, selecting the user account with the largest similarity value from among the user accounts with similarity values not less than the first similarity threshold as the target user account corresponding to the fingerprint image, and determining that the identification is successful, or determining that the identification is failed if the similarity values of all the fingerprint similarities are less than the first similarity threshold.
Step S170, if the fingerprint identification is successful, performing gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image, which is obtained through identification, and the gesture image.
In this embodiment, if the fingerprint identification is successful, corresponding gesture features may be extracted from the gesture registration image of the target user account and the gesture image, and a gesture similarity between the gesture image and the gesture registration image is calculated according to the gesture feature corresponding to the gesture registration image and the gesture feature corresponding to the gesture image, and finally, the gesture similarity is compared with a second similarity threshold, and when the gesture similarity is greater than or equal to the second similarity threshold, it is determined that the gesture matching between the gesture registration image of the target user account and the gesture image is successful.
And step S180, if the gesture matching is successful, adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list.
In this embodiment, if the gesture matching is successful, the two-dimension code attribute information of the target payment two-dimension code may be added to the common payment list, so that payment may be completed by comparing the two-dimension code attribute information during the next payment, thereby ensuring the fund security of the user and providing a more convenient and secure consumption payment method.
Further, please refer to fig. 3, which is a schematic diagram of a user terminal 100 for implementing the payment method according to an embodiment of the present application. In this embodiment, the user terminal 100 includes a payment device 200, a memory 110, and a processor 120. In the embodiment of the present application, the payment apparatus 200 includes at least one software functional module, which may be stored in the memory 110 in the form of software or Firmware (Firmware) or solidified in an Operating System (OS) of the user terminal 100. The processor 120 is used for executing executable software modules stored in the memory 110, such as software functional modules and computer programs included in the payment device 200. In this embodiment, the payment apparatus 200 may also be integrated into the operating system as a part of the operating system. Specifically, referring to fig. 4, the payment apparatus 200 may include:
the obtaining module 210 is configured to scan a target payment two-dimensional code in response to a user operation to obtain two-dimensional code attribute information of the target payment two-dimensional code, where the two-dimensional code attribute information includes payee information corresponding to the target payment two-dimensional code and location information when the target payment two-dimensional code is scanned.
The judging module 220 is configured to judge whether the two-dimensional code attribute information is two-dimensional code attribute information of a list user in a common payment list.
And the payment passing module 230 is configured to pass the payment operation this time if the two-dimensional code attribute information is the two-dimensional code attribute information of the list user in the common payment list.
And the prompting module 240 is configured to perform popup prompting if the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list, and prompt the user whether to add the two-dimensional code attribute information of the target payment two-dimensional code to the common payment list.
And the acquisition module 250 is used for acquiring a fingerprint image and a gesture image when the user is identified to add the two-dimensional code attribute information of the target payment two-dimensional code to the common payment list.
And the comparison module 260 is configured to compare each fingerprint registration image with the fingerprint image, and perform fingerprint identification on the fingerprint image according to a comparison result.
And the matching module 270 is configured to, if the fingerprint identification is successful, perform gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image, which is obtained through identification, and the gesture image.
And the adding module 280 is used for adding the two-dimension code attribute information of the target payment two-dimension code to the common payment list if the gesture matching is successful.
Optionally, the determining module 220 may be further configured to:
judging whether the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list or not;
if the payee information corresponding to the target payment two-dimensional code is not in the payee information of the list user in the common payment list, judging that the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list;
if the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list, acquiring at least one target position information when the payee information is scanned historically before the current time;
judging that the position information when the target payment two-dimensional code is scanned is matched with the at least one target position information;
when the matching is successful, judging that the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list;
and when the matching fails, judging that the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list.
Further, corresponding to the payment method in fig. 2, the present application also provides a readable storage medium, on which a computer program is stored, where the computer program is executed by the processor 120 to perform the steps of the payment method in fig. 2.
In particular, the readable storage medium can be a general-purpose storage medium, such as a removable disk, a hard disk, etc., on which a computer program can be executed when executed to perform the payment method described above.
In summary, according to the payment method and the payment device provided by the embodiment of the application, firstly, the user terminal obtains the two-dimension code attribute information of the target payment two-dimension code and judges whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, the payment operation is passed; if not, popup reminding is carried out, prompting whether the user needs to add the two-dimension code attribute information of the target payment two-dimension code into a common payment list, respectively carrying out fingerprint matching and gesture matching when the user recognizes that the two-dimension code attribute information of the target payment two-dimension code needs to be added into the common payment list, and adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list after the fingerprint matching and the gesture matching are passed. From this, can solve the potential safety hazard problem among the current payment methods, pass through verifying user identity information when scanning the sign indicating number payment to the payment two-dimensional code that never scanned the sign indicating number at every turn to verify the two-dimensional code attribute information with this payment two-dimensional code and save after passing, can accomplish the payment through comparing two-dimensional code attribute information when paying next time like this, thereby ensure user's fund safety, provide more convenient, reassurance consumption payment methods.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The apparatus and method embodiments described above are illustrative only, as the flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
Alternatively, all or part of the implementation may be in software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the application to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website site, computer, server, or data center to another website site, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
It will be evident to those skilled in the art that the present application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Claims (2)
1. A payment method applied to a user terminal, the method comprising:
the user terminal responds to user operation and scans a target payment two-dimensional code to acquire two-dimensional code attribute information of the target payment two-dimensional code, wherein the two-dimensional code attribute information comprises payee information corresponding to the target payment two-dimensional code and position information when the target payment two-dimensional code is scanned;
judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list or not;
if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, the payment operation is passed;
if the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list, performing popup prompt to prompt the user whether to add the two-dimension code attribute information of the target payment two-dimension code to the common payment list;
when identifying that a user needs to add two-dimension code attribute information of the target payment two-dimension code into the common payment list, collecting a fingerprint image and a gesture image;
comparing each fingerprint registration image with the fingerprint image, and performing fingerprint identification on the fingerprint image according to a comparison result;
if the fingerprint identification is successful, performing gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image, which is obtained through identification, and the gesture image;
if the gesture matching is successful, adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list;
the step of comparing each fingerprint registration image with the fingerprint image and carrying out fingerprint identification on the fingerprint image according to the comparison result comprises the following steps:
extracting fingerprint features corresponding to each fingerprint registration image and each fingerprint image;
comparing the fingerprint characteristics corresponding to the fingerprint images with the fingerprint characteristics corresponding to each fingerprint registration image, and calculating to obtain the fingerprint similarity between the fingerprint images and each fingerprint registration image;
comparing each fingerprint similarity with a first similarity threshold, judging whether the fingerprint image can be successfully identified according to the comparison result, and obtaining a target user account corresponding to the fingerprint image when the identification is successful;
judging whether the fingerprint image can be successfully identified according to the comparison result, and obtaining a target user account corresponding to the fingerprint image when the identification is successful, wherein the steps comprise:
if the fingerprint similarity with the similarity value not smaller than the first similarity threshold exists, selecting the user account with the maximum similarity value from the user accounts with the similarity value not smaller than the first similarity threshold as a target user account corresponding to the fingerprint image, and judging that the identification is successful;
if the similarity values of all the fingerprint similarities are smaller than the first similarity threshold, judging that the identification fails;
the step of performing gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image and the gesture image, which is obtained by identification, comprises the following steps:
extracting corresponding gesture features from the gesture registration image of the target user account and the gesture image respectively;
calculating to obtain gesture similarity between the gesture image and the gesture registration image according to the gesture features corresponding to the gesture registration image and the gesture features corresponding to the gesture image;
comparing the gesture similarity with a second similarity threshold, and when the gesture similarity is greater than or equal to the second similarity threshold, judging that the gesture registration image of the target user account is successfully matched with the gesture image in a gesture mode;
before the step of scanning the target payment two-dimensional code by the user terminal in response to the user operation to acquire the two-dimensional code attribute information of the target payment two-dimensional code, the method further comprises the following steps:
the user terminal responds to user operation and sets the payment times and payment amount of each payment two-dimensional code of the list user corresponding to the common payment list;
before the step of passing the payment operation, the method further comprises:
acquiring the residual payment times of the target payment two-dimensional code, and judging whether the residual payment times of the target payment two-dimensional code is zero or not;
if the residual payment times of the target payment two-dimensional code is not zero, displaying a corresponding payment interface, judging whether the residual payment amount of the target payment two-dimensional code is larger than the payment amount in the payment information or not according to the payment information input by the payment interface, if the residual payment amount of the target payment two-dimensional code is larger than the payment amount in the payment information, finishing the payment transaction, otherwise, quitting the transaction; if the residual payment times of the target payment two-dimensional code are zero, quitting the payment transaction;
the step of judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list comprises the following steps:
judging whether the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list or not;
if the payee information corresponding to the target payment two-dimensional code is not in the payee information of the list user in the common payment list, judging that the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list;
if the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list, acquiring at least one target position information when the payee information is scanned historically before the current time; matching the position information when the target payment two-dimensional code is scanned with the at least one target position information;
when the matching is successful, judging that the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list;
when the matching fails, judging that the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list;
before the step of judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, the method further comprises the following steps:
and responding to the user operation, and downloading and storing the common payment list from the server.
2. A payment apparatus, applied to a user terminal, the apparatus comprising:
the acquisition module is used for responding to user operation and scanning the target payment two-dimensional code to acquire two-dimensional code attribute information of the target payment two-dimensional code, wherein the two-dimensional code attribute information comprises payee information corresponding to the target payment two-dimensional code and position information when the target payment two-dimensional code is scanned;
the judging module is used for judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list users in the common payment list;
the payment passing module is used for passing the payment operation if the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list;
the prompting module is used for performing popup prompting if the two-dimension code attribute information is not the two-dimension code attribute information of the list user in a common payment list, and prompting whether the user needs to add the two-dimension code attribute information of the target payment two-dimension code into the common payment list;
the acquisition module is used for acquiring a fingerprint image and a gesture image when identifying that the user needs to add the two-dimension code attribute information of the target payment two-dimension code into the common payment list; the comparison module is used for comparing each fingerprint registration image with the fingerprint image and carrying out fingerprint identification on the fingerprint image according to a comparison result;
the matching module is used for carrying out gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image and the gesture image if the fingerprint identification is successful;
the adding module is used for adding the two-dimension code attribute information of the target payment two-dimension code into the common payment list if the gesture matching is successful;
the judging module is further configured to:
judging whether the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list or not;
if the payee information corresponding to the target payment two-dimensional code is not in the payee information of the list user in the common payment list, judging that the two-dimensional code attribute information is not the two-dimensional code attribute information of the list user in the common payment list;
if the payee information corresponding to the target payment two-dimensional code is in the payee information of the list user in the common payment list, acquiring at least one target position information when the payee information is scanned historically before the current time;
matching the position information when the target payment two-dimensional code is scanned with the at least one target position information;
when the matching is successful, judging that the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list;
when the matching fails, judging that the two-dimension code attribute information is not the two-dimension code attribute information of the list user in the common payment list;
the implementation mode of comparing each fingerprint registration image with the fingerprint image and carrying out fingerprint identification on the fingerprint image according to the comparison result comprises the following steps:
extracting fingerprint features corresponding to each fingerprint registration image and each fingerprint image;
comparing the fingerprint characteristics corresponding to the fingerprint images with the fingerprint characteristics corresponding to each fingerprint registration image, and calculating to obtain the fingerprint similarity between the fingerprint images and each fingerprint registration image;
comparing each fingerprint similarity with a first similarity threshold, judging whether the fingerprint image can be successfully identified according to the comparison result, and obtaining a target user account corresponding to the fingerprint image when the identification is successful;
judging whether the fingerprint image can be successfully identified according to the comparison result, and obtaining an implementation mode of a target user account corresponding to the fingerprint image when the identification is successful, wherein the implementation mode comprises the following steps:
if the fingerprint similarity with the similarity value not smaller than the first similarity threshold exists, selecting the user account with the maximum similarity value from the user accounts with the similarity value not smaller than the first similarity threshold as a target user account corresponding to the fingerprint image, and judging that the identification is successful;
if the similarity values of all the fingerprint similarities are smaller than the first similarity threshold, judging that the identification fails;
the implementation mode of performing gesture matching on the gesture registration image of the target user account corresponding to the fingerprint image and the gesture image, which is obtained by identification, comprises the following steps:
extracting corresponding gesture features from the gesture registration image of the target user account and the gesture image respectively;
calculating to obtain gesture similarity between the gesture image and the gesture registration image according to the gesture features corresponding to the gesture registration image and the gesture features corresponding to the gesture image;
comparing the gesture similarity with a second similarity threshold, and when the gesture similarity is greater than or equal to the second similarity threshold, judging that the gesture registration image of the target user account is successfully matched with the gesture image in a gesture mode;
the user terminal responds to user operation, before scanning a target payment two-dimensional code to obtain a realization mode of two-dimensional code attribute information of the target payment two-dimensional code, the user terminal responds to the user operation and sets payment times and payment amount of each payment two-dimensional code of a list user corresponding to the common payment list;
before the implementation mode of the payment operation is passed, obtaining the residual payment times of the target payment two-dimensional code, and judging whether the residual payment times of the target payment two-dimensional code is zero or not;
if the residual payment times of the target payment two-dimensional code is not zero, displaying a corresponding payment interface, judging whether the residual payment amount of the target payment two-dimensional code is larger than the payment amount in the payment information or not according to the payment information input by the payment interface, if the residual payment amount of the target payment two-dimensional code is larger than the payment amount in the payment information, finishing the payment transaction, otherwise, quitting the transaction; if the residual payment times of the target payment two-dimensional code are zero, quitting the payment transaction;
and responding to user operation before the implementation mode of judging whether the two-dimension code attribute information is the two-dimension code attribute information of the list user in the common payment list, and downloading and storing the common payment list from the server.
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| CN107590654A (en) * | 2017-08-11 | 2018-01-16 | 深圳市金立通信设备有限公司 | A kind of method of on-line payment, terminal and computer-readable medium |
| CN108256979A (en) * | 2018-02-08 | 2018-07-06 | 宁夏宁信信息科技有限公司 | Mobile payment type app control method and device |
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| US7748620B2 (en) * | 2002-01-11 | 2010-07-06 | Hand Held Products, Inc. | Transaction terminal including imaging module |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107590654A (en) * | 2017-08-11 | 2018-01-16 | 深圳市金立通信设备有限公司 | A kind of method of on-line payment, terminal and computer-readable medium |
| CN108256979A (en) * | 2018-02-08 | 2018-07-06 | 宁夏宁信信息科技有限公司 | Mobile payment type app control method and device |
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