CN110659895A

CN110659895A - Payment method, payment device, electronic equipment and medium

Info

Publication number: CN110659895A
Application number: CN201910903133.2A
Authority: CN
Inventors: 方攀; 陈岩
Original assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Current assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Priority date: 2019-09-24
Filing date: 2019-09-24
Publication date: 2020-01-07

Abstract

The application discloses a payment method, a payment device, electronic equipment and a medium. According to the method and the device, after a first communication message sent by payment equipment is obtained, payment information of the mobile terminal is obtained, parameter information and the payment information are sent to a payment server, an authentication code is sent to the payment server when a second communication message sent by the payment equipment is obtained, and payment is carried out based on the first communication message and the second communication message when a payment request is received. By applying the technical scheme of the application, the payment information of the server, the parameter information and the authentication code sent by the mobile device can be sent to the server after the first communication message with a larger communication range and the second communication message with a smaller communication range, which are sent by the payment device, are received, so that the server can carry out payment operation after the server is successfully verified based on the plurality of information. And then can avoid the problem that the user appears in the payment process that exists among the correlation technique and takes place payment easily and steal the risk of brushing.

Description

Payment method, payment device, electronic equipment and medium

Technical Field

The present application relates to communications technologies, and in particular, to a payment method, device, electronic device, and medium

Background

Due to the rise of the communications era and society, smart devices have been continuously developed with the use of more and more users.

With the rapid development of the internet, people generally use mobile terminals to purchase various commodities. Further, the online payment operation is for an increasingly common behavior, for example, a user may pay online clothing purchased in a shopping mall through a mobile phone or a bill of a restaurant through a mobile phone. Generally, after the amount of money consumed by the user is input on the payment device by the merchant, the user makes a payment on the payment device by using payment information corresponding to various payment instruments.

However, in the related art, in the process of online payment of goods by a user, a problem that a malicious user steals an online account of the user often occurs, and thus property of the user is lost.

Disclosure of Invention

The embodiment of the application provides a payment method, a payment device, electronic equipment and a medium.

According to an aspect of an embodiment of the present application, there is provided a payment method applied to a mobile terminal, including:

acquiring a first communication message sent by payment equipment, wherein the first communication message carries parameter information of the payment equipment;

acquiring payment information of the mobile terminal, and sending the parameter information and the payment information to a payment server, wherein the payment information is payment information bound with the mobile terminal;

when a second communication message sent by the payment equipment is acquired, sending an authentication code to the payment server, wherein the authentication code is carried in the second communication message, and the communication range of the second communication message is smaller than that of the first communication message;

when a payment request is received, payment is carried out on the payment request based on a verification message, wherein the verification message is a message generated by the payment server according to the first communication message, the second communication message and the authentication code

According to an aspect of an embodiment of the present application, there is provided a payment method, applied to a payment server, including:

receiving parameter information and payment information sent by a mobile terminal, wherein the parameter information is parameter information of payment equipment, and the payment information is payment information bound with the mobile terminal;

establishing a first payment relationship based on the parameter information and the payment information, wherein the first payment relationship is the payment relationship between the payment equipment and the mobile terminal;

receiving an authentication code sent by the mobile terminal, matching the authentication code with a target authentication code to generate a matching result, wherein the target authentication code is the authentication code sent by the payment equipment;

and when a payment request sent by the payment equipment is received, generating a verification message based on the payment request, the first payment relation and the matching result.

According to another aspect of the embodiments of the present application, there is provided a payment apparatus, including:

the payment system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a first communication message sent by payment equipment, and the first communication message carries parameter information of the payment equipment;

the first sending module is used for acquiring payment information of the mobile terminal and sending the parameter information and the payment information to a payment server, wherein the payment information is bound with the mobile terminal;

the second sending module is configured to send an authentication code to the payment server when a second communication message sent by the payment device is obtained, wherein the authentication code is carried in the second communication message, and the communication range of the second communication message is smaller than that of the first communication message;

a payment module configured to pay the payment request based on a verification message generated by the payment server according to the first communication message, the second communication message, and the authentication code when the payment request is received.

According to another aspect of the embodiments of the present application, there is provided an electronic device including:

a memory for storing executable instructions; and

a display for displaying with the memory to execute the executable instructions to perform the operations of any of the payment methods described above.

According to yet another aspect of the embodiments of the present application, there is provided a computer-readable storage medium for storing computer-readable instructions, which when executed, perform the operations of any of the above-mentioned payment methods.

According to the method and the device, after a first communication message sent by payment equipment is obtained, payment information of the mobile terminal is obtained, parameter information and the payment information are sent to a payment server, an authentication code is sent to the payment server when a second communication message sent by the payment equipment is obtained, and payment is carried out based on the first communication message and the second communication message when a payment request is received. By applying the technical scheme of the application, the payment information of the server, the parameter information and the authentication code sent by the mobile device can be sent to the server after the first communication message with a larger communication range and the second communication message with a smaller communication range, which are sent by the payment device, are received, so that the server can carry out payment operation after the server is successfully verified based on the plurality of information. And then can avoid the problem that the user appears in the payment process that exists among the correlation technique and takes place payment easily and steal the risk of brushing.

The technical solution of the present application is further described in detail by the accompanying drawings and examples.

Drawings

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

The present application may be more clearly understood from the following detailed description with reference to the accompanying drawings, in which:

FIG. 1 is a schematic diagram of a payment system architecture according to the present application;

FIG. 2 is a schematic diagram of a payment method proposed in the present application;

FIG. 3 is a schematic diagram of a payment method proposed in the present application;

fig. 4 is a communication schematic diagram of a mobile terminal, a payment device and a payment server of a payment method provided in the present application;

FIG. 5 is a schematic diagram of the payment device of the present application;

fig. 6 is a schematic view of an electronic device according to the present application.

Detailed Description

Various exemplary embodiments of the present application will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the present application unless specifically stated otherwise.

Meanwhile, it should be understood that the sizes of the respective portions shown in the drawings are not drawn in an actual proportional relationship for the convenience of description.

The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the application, its application, or uses.

Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.

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, further discussion thereof is not required in subsequent figures.

In addition, technical solutions between the various embodiments of the present application may be combined with each other, but it must be based on the realization of the technical solutions by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination of technical solutions should be considered to be absent and not within the protection scope of the present application.

It should be noted that all the directional indicators (such as upper, lower, left, right, front and rear … …) in the embodiment of the present application are only used to explain the relative position relationship between the components, the motion situation, etc. in a specific posture (as shown in the drawings), and if the specific posture is changed, the directional indicator is changed accordingly.

A method for making a payment according to an exemplary embodiment of the present application is described below in conjunction with fig. 1-4. It should be noted that the following application scenarios are merely illustrated for the convenience of understanding the spirit and principles of the present application, and the embodiments of the present application are not limited in this respect. Rather, embodiments of the present application may be applied to any scenario where applicable.

Fig. 1 shows a schematic diagram of an exemplary system architecture 100 to which a video processing method or a video processing apparatus of an embodiment of the present application may be applied.

As shown in fig. 1, the system architecture 100 may include one or more of

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation. For example, server 105 may be a server cluster comprised of multiple servers, or the like.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may be various electronic devices having a display screen, including but not limited to smart phones, tablet computers, portable computers, desktop computers, and the like.

The

terminal apparatuses

101, 102, 103 in the present application may be terminal apparatuses that provide various services. For example, when a user receives a payment instruction of a target user through a terminal device 103 (which may also be the terminal device 101 or 102), obtaining biometric information of the target user and a payment data identifier, where the payment data identifier is an identifier of payment data corresponding to the payment instruction; determining a payment record for the target user based on the biometric information and a data identification; and paying the payment data based on the payment record.

It should be noted that the video processing method provided in the embodiments of the present application may be executed by one or more of the

terminal devices

101, 102, and 103, and/or the server 105, and accordingly, the video processing apparatus provided in the embodiments of the present application is generally disposed in the corresponding terminal device, and/or the server 105, but the present application is not limited thereto.

The application also provides a payment method, a payment device, a target terminal and a medium.

Fig. 2 schematically shows a flow diagram of a payment method according to an embodiment of the present application. As shown in fig. 2, the method is applied to a mobile terminal, and includes:

s101, a first communication message sent by payment equipment is obtained, and the first communication message carries parameter information of the payment equipment.

It should be noted that, in the present application, the mobile terminal is not specifically limited, and may be, for example, an intelligent device or a server. The smart device may be a PC (Personal Computer), a smart phone, a tablet PC, an e-book reader, an MP3(Moving Picture Experts Group Audio layer III, motion Picture Experts compression standard Audio layer 3) payer, an MP4(Moving Picture Experts Group Audio layer iv, motion Picture Experts compression standard Audio layer 4) payer, a portable Computer, and other mobile terminal devices with display functions.

The payment device in the present application may be an intelligent device having a payment collection function and capable of sending a communication message, such as a cash register in a supermarket, a POS machine, and the like. The system can be used for collecting the biological characteristic information of the user and transmitting the biological characteristic information to the payment server, and the payment server is used for completing payment operation according to the received biological characteristic information. Further, the payment device in the application can continuously send the first communication message, and when the mobile terminal is located near the payment device and enters a communication range of the communication message of the payment instrument, the first communication message sent by the payment instrument can be received.

In addition, the parameter information carried in the first communication message in the application may be an ID number, an identification number, a brand name, a merchant name, and the like of the payment device. This is not a limitation of the present application.

Further, with the development of internet technology, more and more users may choose to pay for goods on the internet by using mobile terminals. Generally, in electronic payment, a user is required to take out an electronic product for payment to perform payment operation, for example, take out a mobile terminal and call out a payment two-dimensional code for scanning, take out the mobile terminal, enter a code scanning interface to scan a two-dimensional code for collection in a shop, take out a bank card, and pay the bank card through a card swiping machine. In the electronic payment processes, a user needs to take out an electronic product for payment and perform corresponding operations, and the whole payment process is time-consuming.

In addition, the user may select a payment method using the feature information, in addition to presenting the two-dimensional code for payment. For example, the merchant may provide payment options to the user through face payment, fingerprint payment, iris payment, and the like. Furthermore, certain risk of embezzlement is still present when payment is made through the biometric information. It can be understood that, for example, in the case of face payment, as long as a malicious user shoots a face of the user by using a collection device of the payment device, the face payment can be performed under the condition that the user does not know. Thereby causing property damage to the user. Therefore, in the conventional payment method, the user is easily subjected to the embezzlement problem of a malicious user.

S102, obtaining payment information of the mobile terminal, and sending the parameter information and the payment information to a payment server, wherein the payment information is payment information bound with the mobile terminal.

Further, in the application, after the mobile terminal acquires the first communication message sent by the payment device, the mobile terminal may further acquire payment information stored by itself and bound to the mobile terminal, and send the payment information and the parameter information of the payment device to the payment server together.

As can be understood, the payment information is payment information for paying for the commodity, which is bound on the mobile terminal by the user. For example, the information may be a payment account number, a payment password, a bank card, etc. Further, when the mobile terminal detects that a plurality of payment information for paying for the commodity are bound on the mobile terminal, one payment information can be selected randomly to be sent to the payment server, and the payment information used by the user for the last time can also be selected to be sent to the payment server.

S103, when a second communication message sent by the payment device is obtained, an authentication code is sent to the payment server, the authentication code is carried in the second communication message, and the communication range of the second communication message is smaller than that of the first communication message.

Further, in the application, when a second communication message carrying the authentication code and sent by the payment device is received, the authentication code can be sent to the payment server in real time. So that the payment server can verify the mobile terminal in real time according to the authentication code. The authentication code is not particularly limited in this application, and may be, for example, a dynamic authentication code.

In particular, the payment device may send a dynamic authentication code to the mobile terminal every preset time period and at the same time send the authentication code to the payment server as well. And the payment server compares the authentication codes of the two parties after receiving the authentication codes, and when the authentication codes are consistent, the mobile terminal is considered to be a payable mobile terminal. It can be understood that, when the mobile terminal leaves the communication range of the payment device sending the second communication message, the authentication code sent by the payment device cannot be received, and the authentication code cannot be sent to the payment server. When the payment server does not receive the authentication code sent by the payment device, the mobile terminal is considered to be out of the payment area of the payment device, so that the mobile terminal can be judged to be an unpaid mobile terminal for the payment device.

It should be noted that the first communication message and the second communication message in this application may be communication messages in a low power consumption connectionless manner, for example, Beacon signals sent by a low power consumption bluetooth communication (BLE) technology, and a data format of the Beacon signals may be iBeacon, AltBeacon, EddyStone, or the like. Alternatively, the communication message may be a communication message sent by WiFi Aware.

Among them, bluetooth beacon uses the bluetooth BLE technology, and is one of many applications of bluetooth BLE. Further, the BLE protocol stack employs a layered structure, one of which is called gap (generic Access profile), and is responsible for broadcast communication, searching and connection between devices. The communication process involves a broadcasting device and a scanning device. The broadcasting device broadcasts out packets at regular intervals, and the information in these packets can help the scanning device determine whether the device is a device of interest. The mobile phone application can realize the positioning purpose only by utilizing the related information in the broadcast packet.

In addition, the communication message in the Beacon frame format may include 31 bytes of data, and the application may divide the 31 bytes of data into a plurality of AD Type structures, where each AD Type structure has the same structure, and is a length byte, a Type byte, and a data field. The payment device may encode data in one or more standard communication message packets, conveying the communication message.

Optionally, the communication message sent by the payment device in the present application may be a communication message that satisfies the target data format, so that the mobile terminal may correctly recognize the first communication message. The target data format may be that the data in the preset byte in the first communication message is designated as the designated data. The specified data may be preset data that is known to the payment device, the mobile terminal, and the payment server, so that it may be determined whether the communication message satisfies the target data format when the specified data is recognized. For example, the specified data is data representing a legal payment application identity, and when the data in the preset bytes in the communication message is identified as the data of the legal payment application identity, the communication message is determined to meet the target data format. As another example, the data is specified as an arbitrary data arrangement.

Further optionally, the first communication message and the second communication message sent by the payment device may be encrypted by the payment device. It will be appreciated that the encryption is a pre-known encryption by the payment device, the mobile terminal and the payment server. Further, after the mobile terminal receives the first communication message and the second communication message, the mobile terminal decrypts the communication message and extracts the information carried in the communication message according to a decryption mode corresponding to a preset encryption mode.

It should be noted that, in the present application, the communication range of the second communication message is smaller than the communication range of the first communication message. That is, because the communication range of the first communication message is larger, when the user enters the merchant, the first communication message with the larger communication range is received first. And the first communication message carries the parameter information, and the mobile terminal sends the parameter information and the payment information to the payment server. Therefore, after receiving the parameter information and the payment information, the payment server establishes a payment relationship between the parameter information and the payment information. I.e. binding the mobile terminal with the payment device. That is, the mobile terminal can only complete a payment relationship with the payment device during the binding period. And no payment can be made with other payment devices. Therefore, the problem that other malicious users steal the user after acquiring the biological characteristic information of the user by using other payment devices is solved.

And S104, when the payment request is received, the payment request is paid based on a verification message, wherein the verification message is generated by the payment server according to the first communication message, the second communication message and the authentication code.

Further, when a payment request sent by the payment device is received, it may be determined whether to complete payment of the payment request according to the first communication message, the second communication message and the verification message generated by the authentication code at the payment server. It will be appreciated that payment may only be completed upon receipt of a verification success message sent by the payment server.

In another possible embodiment of the present application, in S104 (when the payment request is received, the payment is made to the payment request based on the verification message), the following may be implemented:

when a payment request is received, sending the biological characteristic information of the target user to the payment equipment;

and when receiving a verification passing message generated by the payment server, paying based on the payment request, wherein the verification passing message is a message generated by the payment server according to the biological characteristic information, the parameter information, the payment information and the authentication code.

First, it should be noted that the present application does not specifically limit the biometric information, that is, the biometric information may be any biometric information of the user. For example, the face feature information, fingerprint feature information, iris feature information, and the like of the target user may be used.

In the application, when the mobile terminal receives a payment request sent by the payment equipment, the collection device of the mobile terminal can be called to collect characteristic information of a target user. For example, when the biometric information is face feature information, the face image of the user can be acquired by the camera device, and then the face feature information can be acquired. Or when the biological characteristic information is fingerprint characteristic information, the fingerprint identification device can be called to collect the fingerprint information of the user, and then the fingerprint characteristic information is obtained. Moreover, when the biological characteristic information is the iris characteristic information, the camera device can be called to collect the eye information of the user, and then the iris characteristic information of the target user is obtained.

In yet another possible embodiment of the present application, in S103 (when the second communication message sent by the payment device is acquired, the authentication code is sent to the payment server), the following may be implemented:

receiving a second communication message sent by the payment equipment every other preset time period;

extracting the authentication codes carried in the second communication messages;

each authentication code is sent to the payment server.

Further, in the embodiment of the application, the payment device may send the second communication message carrying the authentication code every preset time period. As described above, after the mobile terminal transmits its payment information, the parameter information transmitted by the mobile device, and the received authentication codes to the server, the server may notify the mobile terminal of the payment operation after successful verification based on the plurality of information. And then can avoid the problem that the user appears in the payment process that exists among the correlation technique and takes place payment easily and steal the risk of brushing.

The preset time period is not specifically limited in the present application, and may be, for example, 1 second or 5 seconds.

In yet another possible implementation manner of the present application, the biometric information includes at least one of face feature information, iris information, and fingerprint information.

In yet another possible implementation manner of the present application, the first communication message and the second communication message are beacon messages sent through Bluetooth Low Energy (BLE) communication or communication messages sent through WiFi Aware.

In addition, the application also provides a payment method, a payment device, a target terminal and a medium.

Fig. 3 schematically shows a flow diagram of a payment method according to an embodiment of the present application. As shown in fig. 3, the method is applied to a payment server, and includes:

s201, receiving parameter information and payment information sent by the mobile terminal, wherein the parameter information is parameter information of the payment device, and the payment information is payment information bound with the mobile terminal.

In this application, the parameter information and the payment information are described in S101, and are not described herein again.

S202, establishing a first payment relationship based on the parameter information and the payment information, wherein the first payment relationship is the payment relationship between the payment equipment and the mobile terminal.

It should be noted that, after the mobile terminal sends the parameter information and the payment information to the payment server, the payment server establishes a payment relationship between the parameter information and the payment information according to the parameter information and the payment information. I.e. binding the mobile terminal with the payment device. That is, the mobile terminal can only complete a payment relationship with the payment device during the binding period. And no payment can be made with other payment devices. Therefore, the problem that other malicious users steal the user after acquiring the biological characteristic information of the user by using other payment devices is solved.

S203, receiving the authentication code sent by the mobile terminal, matching the authentication code with a target authentication code to generate a matching result, wherein the target authentication code is the authentication code sent by the payment equipment.

Further, the payment server matches the authentication codes of the two parties after receiving the authentication codes and the target authentication code, and when the authentication codes are matched and consistent, the mobile terminal is considered to be a mobile terminal capable of payment. It can be understood that, when the mobile terminal leaves the communication range of the payment device sending the second communication message, the authentication code sent by the payment device cannot be received, and the authentication code cannot be sent to the payment server. When the payment server does not receive the authentication code sent by the payment device, the mobile terminal is considered to be out of the payment area of the payment device, so that the mobile terminal can be judged to be an unpaid mobile terminal for the payment device.

S204, when a payment request sent by the payment equipment is received, a verification message is generated based on the payment request, the first payment relation and the matching result.

In yet another possible embodiment of the present application, in S104 (generating the verification message based on the payment request, the first payment relationship and the matching result), the following may be implemented:

when a payment request is received, extracting biological characteristic information of a target user carried in the payment request;

when the biometric information is detected to be matched with the first payment relationship, detecting a matching result;

and when the matching result is determined to be successful, generating a verification passing message.

Further, the biometric information in the present application may be any biometric information of the user. For example, the face feature information, fingerprint feature information, iris feature information, and the like of the target user may be used.

Further, for example, by using the biometric information as the face feature information, first, the mobile terminal may control the acquisition device to acquire a face image containing the face of the user in front of the terminal screen. And determining the feature information of each part of the face through a preset face feature map according to the face information. And after the face feature information of the target user is determined, respectively calculating Euclidean distances by using the face feature information and the face feature data corresponding to each user in a preset database. It will be appreciated that when a plurality of euclidean distances are detected, the value in which the currian distance is the smallest is determined. And comparing the numerical value with a preset first threshold value, and if the difference value of the numerical value and the preset first threshold value is smaller than a first set value, determining that the target face feature data corresponding to the numerical value with the minimum Euclidean distance is the face feature data corresponding to the target user. Further, the biometric information of the target user is considered to be successfully matched with the target feature information in the payment database. And further acquiring payment information corresponding to the target characteristic information from the database, and generating a verification passing message if the payment information corresponding to the target characteristic information is matched with the payment information in the first payment relation.

In addition, before the face feature information of the target user is obtained, a face detection network architecture can be defined by adopting a deep convolutional neural network based on a cascade region suggestion network, a region regression network and a key point regression network structure. In the adopted deep convolution neural network, the input of the region suggestion network is 16 × 3 image data, the network is composed of a full convolution architecture, and the output is the confidence coefficient and the rough vertex position of a face region suggestion frame; the regional regression network inputs 32 × 3 image data, the network is composed of a convolution and full-connection architecture, and the output is the confidence coefficient and the accurate vertex position of the face region; the input of the key point regression network is 64 x 3 image data, the network is composed of a convolution and full-connection architecture, and the output is the confidence coefficient and the position of the face region and the position of the key point of the face.

Among them, Convolutional Neural Networks (CNN) are a kind of feed forward Neural Networks (fed forward Neural Networks) containing convolution calculation and having a deep structure, and are one of the representative algorithms of deep learning. The convolutional neural network has a representation learning (representation learning) capability, and can perform translation invariant classification on input information according to a hierarchical structure of the convolutional neural network. The CNN (convolutional neural network) has remarkable effects in the fields of image classification, target detection, semantic segmentation and the like due to the powerful feature characterization capability of the CNN on the image.

In one possible implementation manner of the present application, the present application may use face feature information extracted from a CNN neural network model. It should be noted that, before extracting the face feature information of the user by using the convolutional neural network model, the convolutional neural network model needs to be obtained first through the following steps:

obtaining a sample image, wherein the sample image includes at least one sample feature;

and training a preset neural network image classification model by using the sample image to obtain a convolutional neural network model meeting a preset condition.

Further, the present application may identify, through a neural network image classification model, a sample feature (for example, a face feature, an iris feature, an organ feature, and the like) of at least one object included in the sample image. Furthermore, the neural network image classification model may classify each sample feature in the sample image, and classify the sample features belonging to the same category into the same type, so that a plurality of sample features obtained after semantic segmentation of the sample image may be sample features composed of a plurality of different types.

It should be noted that, when the neural network image classification model performs semantic segmentation processing on the sample image, the more accurate the classification of the pixel points in the sample image is, the higher the accuracy rate of identifying the labeled object in the sample image is. It should be noted that the preset condition may be set by a user.

For example, the preset conditions may be set as: the classification accuracy of the pixel points reaches more than 70%, then, the sample image is used for repeatedly training the neural network image classification model, and when the classification accuracy of the neural network image classification model on the pixel points reaches more than 70%, then the neural network image classification model can be applied to the embodiment of the application and carries out semantic segmentation processing on the key frame data.

Optionally, for the neural network image classification model used, in one embodiment, the neural network image classification model may be trained through the sample image. Specifically, a sample image may be obtained, and a preset neural network image classification model may be trained by using the sample image to obtain a neural network image classification model satisfying a preset condition.

In yet another possible implementation manner of the present application, the present application may also match feature information corresponding to each user in the payment database based on iris feature information of the target user.

Further, first, the mobile terminal may control the acquisition device to acquire iris information of a user included in front of the terminal screen. And firstly, judging whether the acquisition is successful or not according to the acquired iris information, if the information acquisition is successful, uploading the iris information to a server which is in data connection with a terminal, detecting whether the iris information is matched with the iris information corresponding to each user pre-stored in the server, and if the target iris information matched with the iris information exists, confirming the user corresponding to the iris information, namely, considering that the biological characteristic information of the target user is successfully matched with the target characteristic information in the payment database. And further acquiring payment information corresponding to the target characteristic information from the database, and generating a verification passing message if the payment information corresponding to the target characteristic information is matched with the payment information in the first payment relation.

In yet another possible implementation manner of the present application, the present application may also generate the verification message based on the fingerprint feature information of the target user.

Further, first, the mobile terminal may control the collecting device to collect fingerprint information touched by the user. And firstly, judging whether the acquisition is successful or not according to the acquired fingerprint information, if the information acquisition is successful, uploading the fingerprint information to a server which is in data connection with the terminal, detecting whether the fingerprint information is matched with the fingerprint information corresponding to each pre-stored user, and if the target fingerprint information matched with the fingerprint information exists, confirming the user corresponding to the fingerprint information, namely, considering that the biological characteristic information of the target user is successfully matched with the target characteristic information in the payment database. And further acquiring payment information corresponding to the target characteristic information from the database, and generating a verification passing message if the payment information corresponding to the target characteristic information is matched with the payment information in the first payment relation.

In yet another possible implementation manner of the present application, in S204 (receiving the authentication code sent by the mobile terminal, and matching the authentication code with the target authentication code to generate a matching result), the following may be implemented:

receiving a target authentication code sent by the payment equipment every other first preset time period, and receiving an authentication code sent by the mobile terminal every other second preset time period;

matching each target authentication code with each authentication code one by one;

and when the target authentication codes are successfully matched with the authentication codes, generating a message that the matching result is successful.

The first preset time period and the second preset time period are not specifically limited in the present application, and may be, for example, 1 second or 5 seconds. In addition, the first preset time period and the second preset time period may be the same or different.

In another possible embodiment of the present application, as shown in fig. 4, the communication interaction diagram of the mobile terminal and the payment server is a payment device. It can be seen that, first, when the mobile terminal enters the communication range of the first communication message of the payment device, the payment device sends the first communication message carrying the parameter information to the mobile terminal. And after receiving the parameter information, the mobile terminal sends the parameter information and the payment information bound with the mobile terminal to the payment server together. So that the payment server establishes a payment relationship between the two according to the information. Further, when the mobile terminal enters the communication range of the second communication message of the payment device, the payment device sends the second communication message carrying the authentication code to the mobile terminal, and simultaneously sends the authentication code to the payment server. The mobile terminal may also send the authentication code to the payment server after receiving the authentication code. So that the payment server can judge whether the mobile terminal is a payable mobile terminal according to the matching result of the two authentication codes in real time. Further, when the payment device sends a payment request to the mobile terminal, the mobile terminal may send the biometric information of the user to the payment device, so that the payment device sends the biometric information to the payment server. And the payment server generates a verification passing message according to the biological characteristic information, the parameter information, the payment information and the authentication code and then sends the verification passing message to the mobile terminal. At this point, the mobile terminal may accordingly send a message to the payment device to approve the payment request to complete the payment.

In another embodiment of the present application, as shown in fig. 5, the present application further provides a payment apparatus. Wherein, the device comprises an acquisition module 301, a first sending module 302, a second sending module 303, a payment module 304, and a payment module 304, wherein,

an obtaining module 301, configured to obtain a first communication message sent by a payment device, where the first communication message carries parameter information of the payment device;

a first sending module 302, configured to obtain payment information of the mobile terminal, and send the parameter information and the payment information to a payment server, where the payment information is payment information bound to the mobile terminal;

a second sending module 303, configured to send, when a second communication message sent by the payment device is obtained, an authentication code to the payment server, where the authentication code is an authentication code carried in the second communication message, and a communication range of the second communication message is smaller than a communication range of the first communication message;

a payment module 304 configured to pay the payment request based on a verification message generated by the payment server according to the first communication message, the second communication message and the authentication code when the payment request is received.

In another embodiment of the present application, the payment module 304 further includes:

a payment module 304 configured to send biometric information of a target user to the payment device when the payment request is received, the target user being a user using the mobile terminal;

a payment module 304 configured to pay based on the payment request when receiving a verification passing message generated by the payment server, the verification passing message being a message generated by the payment server according to the biometric information, the parameter information, the payment information, and the authentication code.

In another embodiment of the present application, the second sending module 303 further includes:

a second sending module 303, configured to receive the second communication message sent by the payment device every preset time period;

a second sending module 303, configured to extract the authentication code carried in each of the second communication messages;

a second sending module 303 configured to send each of the authentication codes to the payment server.

In another embodiment of the present application, the biometric information includes at least one of face feature information, iris information, and fingerprint information.

In another embodiment of the present application, the first communication message and the second communication message are beacon messages sent through Bluetooth Low Energy (BLE) communication or communication messages sent through WiFi Aware.

FIG. 6 is a block diagram illustrating a logical structure of an electronic device in accordance with an exemplary embodiment. For example, the electronic device 300 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.

Referring to fig. 6, electronic device 300 may include one or more of the following components: a processor 301 and a memory 302.

The processor 301 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so on. The processor 301 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 301 may also include a main processor and a coprocessor, where the main processor is a processor for processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 301 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, the processor 301 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 302 may include one or more computer-readable storage media, which may be non-transitory. Memory 302 may also include high speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in the memory 302 is configured to store at least one instruction for execution by the processor 301 to implement the interactive special effect calibration method provided by the method embodiments of the present application.

In some embodiments, the electronic device 300 may further include: a peripheral interface 303 and at least one peripheral. The processor 301, memory 302 and peripheral interface 303 may be connected by a bus or signal lines. Each peripheral may be connected to the peripheral interface 303 by a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of radio frequency circuitry 304, touch display screen 305, camera 306, audio circuitry 307, positioning components 308, and power supply 309.

The peripheral interface 303 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 301 and the memory 302. In some embodiments, processor 301, memory 302, and peripheral interface 303 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 301, the memory 302 and the peripheral interface 303 may be implemented on a separate chip or circuit board, which is not limited by the embodiment.

The Radio Frequency circuit 304 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 304 communicates with communication networks and other communication devices via electromagnetic signals. The rf circuit 304 converts an electrical signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 304 comprises: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuitry 304 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the rf circuit 304 may further include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 305 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 305 is a touch display screen, the display screen 305 also has the ability to capture touch signals on or over the surface of the display screen 305. The touch signal may be input to the processor 301 as a control signal for processing. At this point, the display screen 305 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display screen 305 may be one, providing the front panel of the electronic device 300; in other embodiments, the display screens 305 may be at least two, respectively disposed on different surfaces of the electronic device 300 or in a folded design; in still other embodiments, the display 305 may be a flexible display disposed on a curved surface or on a folded surface of the electronic device 300. Even further, the display screen 305 may be arranged in a non-rectangular irregular figure, i.e. a shaped screen. The Display screen 305 may be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and the like.

The camera assembly 306 is used to capture images or video. Optionally, camera assembly 306 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 306 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

Audio circuitry 307 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 301 for processing or inputting the electric signals to the radio frequency circuit 304 to realize voice communication. For the purpose of stereo sound collection or noise reduction, a plurality of microphones may be provided at different portions of the electronic device 300. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 301 or the radio frequency circuitry 304 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, audio circuitry 307 may also include a headphone jack.

The positioning component 308 is used to locate the current geographic Location of the electronic device 300 to implement navigation or LBS (Location Based Service). The positioning component 308 may be a positioning component based on the GPS (global positioning System) in the united states, the beidou System in china, the graves System in russia, or the galileo System in the european union.

The power supply 309 is used to supply power to various components in the electronic device 300. The power source 309 may be alternating current, direct current, disposable batteries, or rechargeable batteries. When the power source 309 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the electronic device 300 also includes one or more sensors 310. The one or more sensors 310 include, but are not limited to: acceleration sensor 311, gyro sensor 312, pressure sensor 313, fingerprint sensor 314, optical sensor 315, and proximity sensor 316.

The acceleration sensor 311 may detect the magnitude of acceleration in three coordinate axes of a coordinate system established with the electronic device 300. For example, the acceleration sensor 311 may be used to detect components of the gravitational acceleration in three coordinate axes. The processor 301 may control the touch display screen 305 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 311. The acceleration sensor 311 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 312 may detect a body direction and a rotation angle of the electronic device 300, and the gyro sensor 312 and the acceleration sensor 311 may cooperate to acquire a 3D motion of the user on the electronic device 300. The processor 301 may implement the following functions according to the data collected by the gyro sensor 312: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensors 313 may be disposed on a side bezel of the electronic device 300 and/or an underlying layer of the touch display screen 305. When the pressure sensor 313 is arranged on the side frame of the electronic device 300, the holding signal of the user to the electronic device 300 can be detected, and the processor 301 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 313. When the pressure sensor 313 is disposed at the lower layer of the touch display screen 305, the processor 301 controls the operability control on the UI interface according to the pressure operation of the user on the touch display screen 305. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 314 is used for collecting a fingerprint of the user, and the processor 301 identifies the identity of the user according to the fingerprint collected by the fingerprint sensor 314, or the fingerprint sensor 314 identifies the identity of the user according to the collected fingerprint. Upon identifying that the user's identity is a trusted identity, processor 301 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying, and changing settings, etc. The fingerprint sensor 314 may be disposed on the front, back, or side of the electronic device 300. When a physical button or vendor Logo is provided on the electronic device 300, the fingerprint sensor 314 may be integrated with the physical button or vendor Logo.

The optical sensor 315 is used to collect the ambient light intensity. In one embodiment, the processor 301 may control the display brightness of the touch screen display 305 based on the ambient light intensity collected by the optical sensor 315. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 305 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 305 is turned down. In another embodiment, the processor 301 may also dynamically adjust the shooting parameters of the camera head assembly 306 according to the ambient light intensity collected by the optical sensor 315.

The proximity sensor 316, also referred to as a distance sensor, is typically disposed on the front panel of the electronic device 300. The proximity sensor 316 is used to capture the distance between the user and the front of the electronic device 300. In one embodiment, the processor 301 controls the touch display screen 305 to switch from the bright screen state to the dark screen state when the proximity sensor 316 detects that the distance between the user and the front surface of the electronic device 300 gradually decreases; when the proximity sensor 316 detects that the distance between the user and the front surface of the electronic device 300 is gradually increased, the processor 301 controls the touch display screen 305 to switch from the breath screen state to the bright screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 6 is not intended to be limiting of electronic device 300 and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be used.

In an exemplary embodiment, there is also provided a non-transitory computer-readable storage medium, such as the memory 304, including instructions executable by the processor 320 of the electronic device 300 to perform the payment method described above, the method including: acquiring a first communication message sent by payment equipment, wherein the first communication message carries parameter information of the payment equipment; acquiring payment information of the mobile terminal, and sending the parameter information and the payment information to a payment server, wherein the payment information is payment information bound with the mobile terminal; when a second communication message sent by the payment equipment is acquired, sending an authentication code to the payment server, wherein the authentication code is carried in the second communication message, and the communication range of the second communication message is smaller than that of the first communication message; when a payment request is received, payment is carried out on the payment request based on the first communication message and the second communication message, and the verification message is a message generated by the payment server according to the first communication message, the second communication message and the authentication code. Optionally, the instructions may also be executable by the processor 320 of the electronic device 300 to perform other steps involved in the exemplary embodiments described above. Optionally, the instructions may also be executable by the processor 320 of the electronic device 300 to perform other steps involved in the exemplary embodiments described above. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

In an exemplary embodiment, there is also provided an application/computer program product comprising one or more instructions executable by the processor 320 of the electronic device 300 to perform the above-described payment method, the method comprising: acquiring a first communication message sent by payment equipment, wherein the first communication message carries parameter information of the payment equipment; acquiring payment information of the mobile terminal, and sending the parameter information and the payment information to a payment server, wherein the payment information is payment information bound with the mobile terminal; when a second communication message sent by the payment equipment is acquired, sending an authentication code to the payment server, wherein the authentication code is carried in the second communication message, and the communication range of the second communication message is smaller than that of the first communication message; when a payment request is received, payment is carried out on the payment request based on the first communication message and the second communication message, and the verification message is a message generated by the payment server according to the first communication message, the second communication message and the authentication code. Optionally, the instructions may also be executable by the processor 320 of the electronic device 300 to perform other steps involved in the exemplary embodiments described above. Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A payment method is applied to a mobile terminal and comprises the following steps:

when a payment request is received, payment is carried out on the payment request based on the first communication message and the second communication message, and the verification message is a message generated by the payment server according to the first communication message, the second communication message and the authentication code.

2. The method of claim 1, wherein said making a payment for the payment request based on the validation message when the payment request is received comprises:

when the payment request is received, sending the biological characteristic information of a target user to the payment equipment, wherein the target user is a user using the mobile terminal;

and when a verification passing message generated by the payment server is received, performing payment based on the payment request, wherein the verification passing message is a message generated by the payment server according to the biological characteristic information, the parameter information, the payment information and the authentication code.

3. The method of claim 1, wherein sending an authentication code to the payment server upon obtaining the second communication message sent by the payment device comprises:

receiving the second communication message sent by the payment equipment every other preset time period;

and sending each authentication code to the payment server.

4. The method of claim 2, wherein the biometric information includes at least one of face feature information, iris information, and fingerprint information.

5. The method of claims 1-4, wherein the first communication message and the second communication message are beacon messages sent over Bluetooth Low Energy (BLE) communication or communication messages sent over WiFiAware.

6. A payment method is applied to a payment server and comprises the following steps:

7. The method of claim 6, wherein generating a verification message based on the payment request, the first payment relationship, and the match result comprises:

when the payment request is received, extracting the biological characteristic information of the target user carried in the payment request;

when the biometric information is detected to be matched with the first payment relationship, detecting the matching result;

8. The method according to claim 6 or 7, wherein receiving the authentication code transmitted by the mobile terminal and matching the authentication code with a target authentication code to generate a matching result comprises:

receiving the target authentication code sent by the payment equipment every other first preset time period, and receiving the authentication code sent by the mobile terminal every other second preset time period;

and when detecting that each target authentication code is successfully matched with each authentication code, generating a message that the matching result is successful.

9. The method of claim 7, wherein the biometric information includes at least one of face feature information, iris information, and fingerprint information.

10. A payment device, comprising:

11. An electronic device, comprising:

a memory for storing executable instructions; and the number of the first and second groups,

a processor for display with the memory to execute the executable instructions to perform the operations of the payment method of any one of claims 1-5.

12. A computer-readable storage medium storing computer-readable instructions that, when executed, perform the operations of the payment method of any one of claims 1-5.