CN110570183A

CN110570183A - checking method and system for secret-free payment transaction

Info

Publication number: CN110570183A
Application number: CN201910792549.1A
Authority: CN
Inventors: 钱微
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-08-26
Filing date: 2019-08-26
Publication date: 2019-12-13

Abstract

The invention discloses a checking method and system for secret-free payment transaction, which is applied to intelligent equipment of a user and is associated with a bank card, and comprises the following steps: scanning a collection code or any payment mode shown by a merchant to generate a payment list, wherein the payment list comprises a commodity name, a commodity price and a store address; judging whether the user executes a payment instruction; if yes, starting a camera on the user intelligent equipment and prompting the user to capture the commodity to be paid by using the camera; extracting a shot image acquired by a camera, and judging whether the shot image comprises all commodities in a payment list or not; if so, skipping the camera interface to a payment interface and completing the password-free payment; if not, extracting commodity names which are not obtained and are contained in the payment list, and outputting the commodity names to the user until all commodities are obtained; when the user uses the bank card to carry out secret-free payment, the intelligent device sends check information to the user, and the user judges whether to execute a payment instruction according to the check information.

Description

checking method and system for secret-free payment transaction

Technical Field

the invention relates to the field of financial transactions, in particular to a verification method and a verification system for a secret-free payment transaction.

Background

Nowadays, when people transact bank cards, a password-free payment function is opened by default, users are required to apply for closing the function in channels such as online banks or bank counters, but most of the users do not pay attention to the password-free payment function in a card transaction protocol or feel that the password-free payment function plays a positive role in payment, so that most of the users' bank cards have the password-free payment function, but the password-free payment function has certain defects.

For example, a bank card which is not commonly used by a user is lost and picked up or stolen by people, the user is difficult to find in time, the risk of being stolen and swiped is greatly existed, in addition, when the bank card is close to a POS machine, payment can be completed without inputting a password, so that a part of lawless persons can hide a micro POS machine in a pocket, and when the bank card and the POS machine are close to other people intentionally, especially a female holding a bag, the bank card of the user is easy to be stolen and swiped when the POS machine and the bank card are within a range of 5 cm.

Disclosure of Invention

The purpose of the invention is as follows: in order to overcome the disadvantages in the background art, embodiments of the present invention provide a verification method for a secret-free payment transaction and a system thereof, which can effectively solve the problems related to the background art.

the technical scheme is as follows: a checking method for a secret-free payment transaction is applied to a smart device of a user and is associated with a bank card, and comprises the following steps:

S101: scanning a collection code or any payment mode shown by a merchant to generate a payment list, wherein the payment list comprises a commodity name, a commodity price and an address of a store;

s102: judging whether the user executes a payment instruction;

S103: if yes, starting a camera on the user intelligent equipment, and synchronously skipping the payment interface to the camera interface;

s104: outputting a prompt to a user, the prompt configured to capture a commodity to be paid for with a camera;

s105: extracting a shot image acquired by the camera, and judging whether the shot image comprises all commodities in the payment list;

S106: if so, skipping the camera interface to a payment interface and completing the password-free payment;

S107: if not, extracting commodity names which are not obtained and are contained in the payment list, and outputting the commodity names to a user until all commodities are obtained;

When the user uses the bank card to carry out secret-free payment, the intelligent device sends check information to the user, and the user judges whether to execute a payment instruction according to the check information.

As a preferred embodiment of the present invention, the present invention further comprises:

When the user manually inputs the amount for payment, judging whether the total amount of the payment list is equal to the amount input by the user before the password-free payment is finished;

If yes, secret payment is completed;

if not, prompting the user to check the payment amount.

if the total amount of the payment list is not equal to the amount of money input by the user, judging whether the payment has a voucher or a red packet;

if yes, the total amount of the payment list minus the voucher or the red packet is compared with the amount input by the user, and whether the total amount of the payment list is equal to the amount input by the user is judged;

If yes, secret payment is completed;

if not, prompting the user to check the payment amount.

as a preferred embodiment of the present invention, S101 further includes:

extracting collection account information, and judging whether the collection account information is a legal collection account of the store or not by a big data analysis method according to the store address;

If yes, continuing to execute S102;

if not, closing the transaction.

as a preferred embodiment of the present invention, S105 further includes:

Capturing one or more images including all commodities in a payment list from the shot image;

And establishing a corresponding relation between the image and the payment list, and storing the image.

A reconciliation system for a privacy-exempt payment transaction, comprising:

A payment list generation module configured to generate a payment list including a commodity name, a commodity price, and a store address;

The payment processing device comprises a first judging module, a second judging module and a payment processing module, wherein the first judging module is configured to judge whether a user executes a payment instruction;

The camera starting module is configured to start a camera on the user intelligent equipment and synchronously jump the payment interface to the camera interface;

A first prompting module configured to prompt a user to capture an item to be paid for with a camera;

A second judgment module configured to judge whether the photographed image of the camera includes all the commodities in the payment list;

the payment module is configured to jump the camera interface to a payment interface and complete the password-free payment;

The first extraction module is configured to extract commodity names which are not acquired and are contained in the payment list, and output the commodity names to a user;

The sending module is configured to send the check information to the user when the user uses the bank card to carry out the secret-free payment.

a second extraction module configured to extract an amount manually input by a user;

the third judging module is configured to judge whether the amount manually input by the user is equal to the total amount of the payment list;

and the second prompting module is configured to prompt the user to check whether the manually input amount is correct.

the fourth judgment module is configured to judge whether the payment uses the voucher or the red packet;

A calculation module configured to subtract the voucher or red pack from the payment statement total;

And the fifth judging module is configured to judge whether the amount calculated by the calculating module is equal to the amount manually input by the user.

The third extraction module is configured to extract the collection account information transacted with the user;

the sixth judging module is configured to judge whether the collection account information is a legal collection account of the store according to the store address by a big data analysis method;

And the closing module is configured to close the transaction.

The intercepting module is configured to intercept one or more images including all commodities in the payment list from the shot image;

and the storage module is configured to establish a corresponding relation between the image and the payment list and store the image.

The invention realizes the following beneficial effects:

1. This application verifies the entity commodity that the user purchased before the user exempted from secret payment, only when all commodity all check the back that finishes, the side can exempt from secret payment to present big data computing power, in the one second when commodity appears under the camera, can check the completion to commodity, can not influence user's payment efficiency.

2. the method and the device are applied to the intelligent equipment of the user and are associated with the bank card, even if the bank card of the user is lost or stolen, if no account number of the user is checked and confirmed, the bank card cannot be stolen and swiped, and the security of secret payment is greatly improved.

3. and a plurality of payment amount comparison modes are provided according to the payment list, so that the user can be prevented from paying redundant amount.

4. When the commodity is checked, the real image of the commodity is reserved, and the later-stage after-sale proof can be conveniently provided for the user.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.

FIG. 1 is a flow chart of a verification method for a crypto-payment transaction according to the present invention;

FIG. 2 is a flowchart of a method for storing a real image of a commodity according to the present invention;

FIG. 3 is a flow chart of a method for checking a manually entered payment amount according to the present invention;

FIG. 4 is a flow chart of another method for checking the manually entered payment amount provided by the present invention;

FIG. 5 is a flowchart of a method for checking a collection account according to the present invention;

fig. 6 is a block diagram of a checking system for a secret-free payment transaction according to the present invention.

Detailed Description

the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments.

example one

As shown in fig. 1, the present embodiment provides a checking method for a secret-free payment transaction, which is applied to a smart device of a user and is associated with a bank card, and includes the following steps:

s101: and scanning a collection code or any form of payment method shown by a merchant to generate a payment list, wherein the payment list comprises a commodity name, a commodity price and a store address.

S102: and judging whether the user executes the payment instruction.

S103: if yes, a camera on the user intelligent equipment is started, and the payment interface is synchronously jumped to the camera interface.

s104: outputting a prompt to the user, the prompt configured to capture the item to be paid for with the camera.

S105: and extracting the shot image acquired by the camera, and judging whether the shot image comprises all commodities in the payment list.

S106: and if so, skipping the camera interface to a payment interface and completing the password-free payment.

s107: if not, the commodity name which is not obtained and is contained in the payment list is extracted, and the commodity name is output to the user until all commodities are obtained.

as shown in fig. 2, S105 further includes:

and intercepting one or more images including all commodities in the payment list from the shot image.

specifically, the method is applied to the intelligent terminal of the user in the form of app, and is associated with a regular card, so that the user is required to register an account and log in a party to use the account.

in S101, when a user purchases goods at a merchant for consumption, the method comprises two electronic payment modes, wherein one mode is that the merchant sets a collection amount according to the amount of the goods purchased by the user when the collection code is displayed, the user can complete payment by scanning the collection code displayed by the merchant by using an intelligent device, the intelligent device takes a smart phone as an example, and when the password-free payment is set, the payment can be completed without inputting a payment password after code scanning; secondly, the user presents the payment code to the merchant, and the merchant sets the amount and then scans the payment code to finish payment.

in this embodiment, the user can check before completing payment, the first payment method is taken as an example, after a merchant presents a collection code, the collection code is integrated with commodity information, the commodity information comprises a commodity name and a commodity price, the user scans the collection code by using a mobile phone, and the system automatically extracts the commodity information and generates a payment list.

After scanning the checkout code, the user may choose whether to confirm the payment in S102.

In S103, if the user confirms payment, the system starts a camera function on the mobile phone of the user, specifically, a rear camera function of the mobile phone, and simultaneously jumps a display interface of the mobile phone from the payment interface to the camera interface.

If the payment is abandoned, the transaction is closed.

in S104, a prompt message may be output to the user in the top area of the screen of the mobile phone, where the prompt message may be set to "please focus the mobile phone on the goods that you buy".

In S105, the user focuses the camera on the commodity, the system performs intelligent analysis on the captured image of the camera, sequentially extracts the items included in the captured image and analyzes whether the items are the commodities purchased by the user, and after all the items in the captured image are analyzed, determines whether all the commodities purchased by the user are included in the captured image.

In S106, if all the commodities are included in the captured image, it indicates that the checking is completed, the display interface of the mobile phone is skipped from the camera interface to the payment interface, and the password-free payment is completed.

in S107, if all the commodities are not included in the captured image, the commodity name that is not acquired and included in the payment list is extracted, the commodity name is output to the user at the top of the mobile phone screen, and when a missing commodity is acquired, the process goes to S106.

the present embodiment will also retain a true image of the goods purchased by the user for later post-sale certification.

When the camera function of the mobile phone is started, when the system identifies commodities, the system automatically intercepts a complete image of the commodities from the system until images of all the commodities are intercepted, establishes a corresponding relation between the intercepted image and a payment list and uploads the image to a server of the system.

the user can check the corresponding commodity image according to the payment list.

Example two

As shown in fig. 3, the present embodiment provides a checking method, when the user manually inputs the amount of money for payment, before the password-free payment is completed, it is determined whether the total amount of the payment list is equal to the amount of money input by the user.

If yes, the secret payment is completed.

If not, prompting the user to check the payment amount.

As shown in fig. 4, if the total amount of the payment list is not equal to the amount of money input by the user, it is determined whether there is a voucher or a red envelope in the payment.

If yes, the total amount of the payment list minus the voucher or the red packet is compared with the amount input by the user, and whether the total amount of the payment list and the money input by the user are equal is judged.

If yes, the secret payment is completed.

If not, prompting the user to check the payment amount.

specifically, there are two situations in the transaction mode in which the merchant presents the collection code, one of which is that the merchant has set the amount of money in the collection code and the user can complete payment by scanning the collection code, and the other of which is that the merchant does not set the amount of money in the collection code, the first situation is described in the first embodiment, and the second situation is described in this embodiment.

The user manually inputs the amount of money for payment after code scanning, and the steps from S103 to S105 in the embodiment are repeated, when the shot image comprises all commodities in the payment list, the camera interface jumps to the payment interface, whether the total amount of the payment list is equal to the amount of money manually input by the user is judged, and if so, secret-free payment is completed; if not, the payment is suspended, prompt information is output to the user at the top of the mobile phone screen, and the prompt information can be set as 'please check the input payment amount' until the total amount of the payment list is equal to the amount input by the user, and the secret-free transaction is completed.

in addition, in order to expand the online payment service, the platform provides preferential items for users using the online payment function, the coupon items include a voucher, a red pack, etc., and when the user uses the voucher or the red pack, the actual amount paid is less than the total amount of the payment list, therefore, when the amount manually input by the user is not equal to the total amount of the payment list, whether the merchant has available cash coupon or red packet is judged, if yes, the voucher or red envelope is subtracted from the total amount of the bill of payment and it is determined whether the subtracted amount is equal to the amount manually entered by the user, and if so, and if not, outputting prompt information to the user at the top of the mobile phone screen, wherein the prompt information can be set as 'please check the input payment amount', and completing the secret-free transaction until the total amount of the payment list is equal to the amount input by the user.

EXAMPLE III

As shown in fig. 5, in the present embodiment, a collection account checking method is provided, which extracts collection account information, and determines whether the collection account information is a legal collection account of a store according to a store address by a big data analysis method.

If yes, the process continues to S102.

if not, closing the transaction.

specifically, when a user scans a checkout code displayed by a merchant, the processor analyzes big data according to the name of a store consumed by the user, sorts the checkout account used by the store to obtain a checkout account, allows the user to confirm payment if the store has no special checkout account, determines whether the checkout account is located in the store if the big data analyzes that the store has a plurality of checkout accounts, allows the user to confirm payment if the checkout account is located in the store, closes the transaction if the checkout account is not located in the store, and can prevent illegal stores from falsely filling business.

example four

as shown in fig. 6, the present embodiment provides a verification system for a secret-less payment transaction, including:

a payment list generation module 401 configured to generate a payment list including the commodity name, the commodity price, and the store address.

a first determining module 402 configured to determine whether the user executes the payment instruction.

a camera turn-on module 403 configured to turn on the camera on the user smart device and to synchronously jump the payment interface to the camera interface.

a first prompting module 404 configured to prompt the user to proceed with capturing the item to be paid for with the camera.

a second determination module 405 configured to determine whether the photographed image of the camera includes all the commodities in the payment list.

a payment module 406 configured to jump the camera interface to a payment interface and complete the privacy-free payment.

the first extracting module 407 is configured to extract the commodity name that is not obtained and is included in the payment list, and output the commodity name to the user.

The sending module 408 is configured to send the verification information to the user when the user uses the bank card to make the password-free payment.

a second extraction module 409 configured to extract the amount manually input by the user.

A third determining module 410, configured to determine whether the amount manually input by the user is equal to the total amount of the payment list.

a second prompting module 411 configured to prompt the user to check whether the manually input amount is correct.

a fourth determining module 412 configured to determine whether the payment uses a voucher or a red envelope.

a calculation module 413 configured to subtract the voucher or red pack from the payment invoice total.

A fifth judging module 414 configured to judge whether the amount calculated by the calculating module is equal to the amount manually input by the user.

a third extraction module 415 configured to extract collection account information for the transaction with the user.

a sixth determining module 416, configured to determine whether the collection account information is a legal collection account of the store according to the store address through a big data analysis method.

a closing module 417 configured to close the transaction.

An intercept module 418 configured to intercept one or more images in the captured image including all items in the payment list.

And the storage module 419 is configured to establish a corresponding relationship between the image and the payment list and store the image.

The system provided in the fourth embodiment is only illustrated by dividing the functional modules, and in practical applications, the functions may be distributed by different functional modules according to needs, that is, the internal structure of the system is divided into different functional modules to complete all or part of the functions described above.

the above embodiments are merely illustrative of the technical ideas and features of the present invention, and are intended to enable those skilled in the art to understand the contents of the present invention and implement the present invention, and not to limit the scope of the present invention. All equivalent changes or modifications made according to the spirit of the present invention should be covered within the protection scope of the present invention.

Claims

1. a checking method for a secret-free payment transaction is applied to a smart device of a user and is associated with a bank card, and is characterized by comprising the following steps:

s102: judging whether the user executes a payment instruction;

2. A verification method for a crypto payment transaction according to claim 1, wherein: further comprising:

If yes, secret payment is completed;

If not, prompting the user to check the payment amount.

3. a verification method for a crypto payment transaction according to claim 2, wherein: further comprising:

If yes, secret payment is completed;

If not, prompting the user to check the payment amount.

4. a verification method for a crypto payment transaction according to claim 1, wherein: s101 further includes:

If yes, continuing to execute S102;

If not, closing the transaction.

5. a verification method for a crypto payment transaction according to claim 1, wherein: s105 further includes:

6. A verification system for a privacy-exempt payment transaction, characterized by: the method comprises the following steps:

7. A verification system for a crypto payment transaction according to claim 6, wherein: further comprising:

8. a verification system for a crypto payment transaction according to claim 6, wherein: further comprising:

9. A verification system for a crypto payment transaction according to claim 6, wherein: further comprising:

and the closing module is configured to close the transaction.

10. A verification system for a crypto payment transaction according to claim 6, wherein: further comprising: