CN110807639A

CN110807639A - Payment method and device

Info

Publication number: CN110807639A
Application number: CN201911006367.3A
Authority: CN
Inventors: 李贺春; 江海燕; 张琦辉
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2019-10-22
Filing date: 2019-10-22
Publication date: 2020-02-18

Abstract

The embodiment of the invention discloses a payment method and a payment device, wherein a merchant terminal generates consumption payment information when detecting that a user consumes based on a biological identification mode on the merchant terminal, and reports the payment information to a payment platform, so that the payment platform obtains a payment rule set by the user according to the biological identification information of the user, and if the merchant information meets the payment rule, the payment operation is executed by using the payment mode corresponding to the biological identification information of the user. In the embodiment of the invention, the flexibility and the safety of the biological recognition payment function can be improved by setting the personalized payment rule by the user; and under the condition that the user presets the payment rule, the user can pay according to the payment rule even if the user goes out without carrying a mobile phone by acquiring the information of the merchant to which the merchant terminal belongs, so that the user experience is better.

Description

Payment method and device

Technical Field

The invention relates to the technical field of internet, in particular to a payment method and a payment device.

Background

At the present stage, the payment function of the intelligent terminal provides great convenience for the user, and by taking a face recognition technology as an example, the user can open the face payment function on the payment platform in advance, so that when the user swipes the face on the intelligent terminal for payment, the intelligent terminal reports the collected face recognition information to the payment platform, and the payment platform can call the face payment function to execute payment operation according to the face recognition information reported by the intelligent terminal.

In the prior art, once the face payment function is opened on the payment platform, the user can pay in all scenes with face payment by using a face-brushing payment mode, however, the flexibility of face-brushing payment in the mode is poor, the safety of face-brushing payment can not be guaranteed due to the fact that the face identification information of the user is stolen, and therefore the satisfaction degree of the user on face-brushing payment is low.

In summary, there is a need for a payment method to improve the flexibility and security of biometric payment functions (such as face-brushing payment).

Disclosure of Invention

The embodiment of the invention provides a payment method and a payment device, which are used for improving the flexibility and the safety of a biological recognition payment function (such as face brushing payment).

In a first aspect, an embodiment of the present invention provides a payment method, including:

the payment platform receives payment information reported by a merchant terminal; the payment information is generated by the merchant terminal when a user consumes on the merchant terminal based on a biological identification mode, and the payment information comprises biological identification information of the user; further, the payment platform acquires merchant information to which the merchant terminal belongs, obtains a payment rule set by the user according to the biometric information of the user, and if the merchant information meets the payment rule, executes payment operation by using a payment mode corresponding to the biometric information of the user.

In the design, a user can flexibly configure the payment rule corresponding to the payment behavior based on the biological identification information for consumption, and the flexibility and the safety of the biological identification payment function can be improved by setting the personalized payment rule by the user; in addition, the information of the merchant to which the merchant terminal belongs is obtained, payment operation can be performed according to the payment rule set by the user under the condition that the user does not carry the mobile phone, so that the user can pay according to the payment rule even if the user does not carry the mobile phone when going out as long as the user sets the payment rule in advance, and the user experience is better.

In one possible design, the payment rule includes any one or more of a payment region, a payment merchant type, a payment merchant list; the merchant information comprises any one or more of the location of the merchant terminal, the name of the merchant and the type of the merchant; in a specific implementation, the determining, by the payment platform, that the merchant information satisfies the payment rule includes: when the merchant information comprises the location of the merchant terminal and the type of the merchant, and the payment rule comprises a payment area and the type of the payment merchant, if the payment platform determines that the location of the merchant terminal is located in the payment area and the type of the merchant belongs to the type of the payment merchant, determining that the merchant information meets the payment rule; or when the merchant information includes the location of the merchant terminal and the name of the merchant, and the payment rule includes a payment area and a payment merchant list, if the payment platform determines that the location of the merchant terminal is located in the payment area and the name of the merchant is located in the payment merchant list, it determines that the merchant information satisfies the payment rule.

In the above design, the user may define, according to actual needs, merchants (for example, an area allowing payment, a type of the merchant allowing payment, and a merchant list allowing payment) allowing payment in the payment rule, so that biometric payment may be performed in the payment area and the payment merchant set by the user in advance, and biometric payment may not be performed in the payment area or the payment merchant not set by the user, thereby avoiding a large-scale payment behavior performed by a lawbreaker at each merchant after biometric information of the user is stolen, ensuring security of a biometric payment function, and improving user experience.

In one possible design, the payment rule further includes any one or more of payment aging, single payment limit and daily transaction limit, and the payment information further includes payment time and/or payment amount accordingly; in a specific implementation, before the payment platform performs the payment operation by using the payment method corresponding to the biometric information of the user, it is further determined that the payment time and/or the payment amount conform to the payment rule.

In the design, the user can also limit the payment time and/or the payment amount in the payment rule, so that the amount paid by using the biological identification payment mode can be ensured to be within the range limited by the user by judging whether the payment amount and/or the payment time of the current payment meets the payment rule before the payment operation, the payment excess is avoided, and the payment experience of the user is improved.

In a possible design, before the payment platform receives the payment information reported by the merchant terminal, the method further includes: when the payment platform detects that the user opens a biological identification payment function on the payment platform, the payment platform collects biological identification information of the user and prompts the user to enter a payment rule; further, the payment platform acquires the payment rule input by the user and establishes a corresponding relation between the biological identification information of the user and the payment rule input by the user.

In the design, a user can set a payment rule on the payment platform according to actual needs, and personalized configuration information can be customized in the payment rule, so that the flexibility of biological identification payment is good, the application scene is wide, and the satisfaction degree of the user is good.

In a second aspect, an embodiment of the present invention provides a payment method, where the method includes:

when a merchant terminal detects that a user consumes on the merchant terminal based on a biological identification mode, generating consumed payment information; the payment information includes biometric information of the user; further, the merchant terminal reports the payment information to a payment platform; the payment information is used for the payment platform to obtain merchant information to which the merchant terminal belongs, a payment rule set by the user is obtained according to the biological identification information of the user, and if the merchant information meets the payment rule, a payment mode corresponding to the biological identification information of the user is used for executing payment operation.

In a third aspect, an embodiment of the present invention provides a payment apparatus, where the apparatus includes:

the receiving and sending module is used for receiving payment information reported by the merchant terminal; the payment information is generated by the merchant terminal when a user consumes on the merchant terminal based on a biological identification mode, and the payment information comprises biological identification information of the user;

and the processing module is used for acquiring the merchant information of the merchant terminal, obtaining the payment rule set by the user according to the biological identification information of the user, and executing payment operation by using a payment mode corresponding to the biological identification information of the user if the merchant information meets the payment rule.

In one possible design, the payment rule includes any one or more of a payment region, a payment merchant type, a payment merchant list; the merchant information comprises any one or more of the location of the merchant terminal, the name of the merchant and the type of the merchant; in a specific implementation, the processing module is specifically configured to: when the merchant information comprises the location of the merchant terminal and the type of the merchant, and the payment rule comprises a payment area and the type of the payment merchant, if the location of the merchant terminal is determined to be located in the payment area and the type of the merchant belongs to the type of the payment merchant, determining that the merchant information meets the payment rule; or when the merchant information includes the location of the merchant terminal and the name of the merchant, and the payment rule includes a payment area and a payment merchant list, if it is determined that the location of the merchant terminal is located in the payment area and the name of the merchant is located in the payment merchant list, it is determined that the merchant information satisfies the payment rule.

In one possible design, the payment rule further includes any one or more of payment aging, single payment limit and daily transaction limit, and the payment information further includes payment time and/or payment amount accordingly; before the processing module executes the payment operation by using the payment mode corresponding to the biometric information of the user, the processing module is further configured to: determining that the payment time and/or the payment amount complies with the payment rule.

In a possible design, before the transceiver module receives the payment information reported by the merchant terminal, the processing module is further configured to: when the user is detected to open a biological identification payment function on a payment platform, collecting biological identification information of the user, and prompting the user to enter a payment rule; further, the payment rule input by the user is obtained, and the corresponding relation between the biological identification information of the user and the payment rule input by the user is established.

In a fourth aspect, an embodiment of the present invention provides a payment apparatus, where the apparatus includes:

the generation module is used for generating the payment information of consumption when detecting that the user consumes on the merchant terminal based on a biological identification mode; the payment information includes biometric information of the user;

the receiving and sending module is used for reporting the payment information to a payment platform; the payment information is used for the payment platform to obtain merchant information to which the merchant terminal belongs, a payment rule set by the user is obtained according to the biological identification information of the user, and if the merchant information meets the payment rule, a payment mode corresponding to the biological identification information of the user is used for executing payment operation.

In a fifth aspect, an embodiment of the present invention provides a computing device, including at least one processing unit and at least one storage unit, where the storage unit stores a computer program, and when the program is executed by the processing unit, the processing unit is caused to execute the payment method according to any one of the first aspect and the second aspect.

In a sixth aspect, an embodiment of the present invention provides a computer-readable storage medium storing a computer program executable by a computing device, where the computer program, when executed on the computing device, causes the computing device to execute the payment method according to any one of the first aspect and the second aspect.

These and other aspects of the invention are apparent from and will be elucidated with reference to the embodiments described hereinafter.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a schematic diagram of a suitable system architecture according to an embodiment of the present invention;

fig. 2 is a schematic view of an interaction flow corresponding to a payment method according to an embodiment of the present invention;

fig. 3 is a schematic view of an interaction flow corresponding to a payment method when a payment rule is set in a payment mechanism according to an embodiment of the present invention;

fig. 4 is a schematic interaction flow diagram corresponding to a payment method when a payment rule is set in a commercial bank according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a payment apparatus according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a payment device according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a computing device according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Fig. 1 is a schematic diagram of a system architecture suitable for use in the embodiment of the present invention, as shown in fig. 1, the system architecture includes a commercial bank 110, a payment mechanism 120, and at least one merchant terminal, such as a merchant terminal 131, a merchant terminal 132, and a merchant terminal 133; the payment mechanism 120 may be connected to the commercial bank 110 and each merchant terminal, for example, through a wired connection, or through a wireless connection, which is not limited in this respect.

In the embodiment of the present invention, the commercial bank 110 may be any bank that has a contract with the payment mechanism 120, and is not limited.

It should be noted that the following embodiments of the present invention collectively refer to payment institution 120 and commercial bank 110 as a payment platform.

Based on the system architecture illustrated in fig. 1, fig. 2 is an interaction flow diagram corresponding to a payment method provided in an embodiment of the present invention, where the method includes:

step 201, when a merchant terminal detects that a user consumes based on a biometric identification mode on the merchant terminal, generating consumed payment information.

In the embodiment of the invention, the merchant terminal refers to any terminal equipment capable of realizing a biological recognition payment function, such as a POS machine; the biometric payment may be any one or more of face recognition payment, fingerprint recognition payment, palm vein recognition payment, iris recognition payment, and voiceprint recognition payment, or may also be other recognition payment, such as electroencephalogram recognition payment, gesture recognition payment, and the like, which is not limited specifically.

In a specific implementation, when the user selects the biometric identification mode for consumption on the merchant terminal, the merchant terminal may acquire biometric identification information of the user and then generate payment information for the consumption. Wherein the biometric information is biometric information corresponding to a biometric method selected by the user, for example, when the user selects a face-brushing payment method on the merchant terminal for consumption if the merchant terminal supports face-brushing payment, the merchant terminal may collect face identification information of the user, when the user selects a fingerprint payment method on the merchant terminal for consumption if the merchant terminal supports fingerprint payment, the merchant terminal may collect fingerprint identification information of the user, when the user selects a palm vein payment method on the merchant terminal for consumption if the merchant terminal supports palm vein payment, the merchant terminal may collect palm vein identification information of the user, when the user selects an iris payment method on the merchant terminal for consumption if the merchant terminal supports iris payment, the merchant terminal may collect iris identification information of the user, if the merchant terminal supports voiceprint payment, when the user selects the voiceprint payment mode on the merchant terminal for consumption, the merchant terminal can acquire the voiceprint identification information of the user, and the like.

In the embodiment of the present invention, there may be a plurality of ways for the merchant terminal to generate the payment information, and several possible examples are described below:

in an example, after the merchant terminal collects the biometric information of the user, the merchant terminal may directly generate the payment information according to the biometric information of the user, and thus, the payment information may only include the biometric information of the user.

In example two, after the merchant terminal acquires the biometric information of the user, the merchant terminal may further obtain the payment amount and/or the payment time of the current consumption of the user, and then generate payment information according to the biometric information of the user, the payment amount and/or the payment time of the current consumption, so that the payment information may include the biometric information of the user, the payment amount and/or the payment time of the current consumption. Where the payment time may be specified in seconds, such as 20181011162340, i.e. 16 hours, 23 minutes, 40 seconds, 10 months, 11 days, 2018.

In an example three, after the merchant terminal acquires the biometric information of the user, the merchant terminal may further obtain merchant information to which the merchant terminal belongs, and then generate payment information according to the biometric information of the user and the merchant information, so that the payment information may include the biometric information of the user and the merchant information to which the merchant terminal belongs.

The merchant information may include any one or more of a location where the merchant terminal is located, a name of the merchant, and a type of the merchant. Taking the example that the merchant information includes the location of the merchant terminal, in a possible situation, the location of the merchant terminal may be preset in the merchant terminal by a merchant that installs the merchant terminal, in a specific implementation, after the merchant installs the merchant terminal at a certain location (for example, store No. 10 at L1 level in mall), the location of store No. 10 at L1 level in the preset file of the merchant terminal may be stored, so that, when the merchant terminal detects that the user consumes on the merchant terminal in a face-brushing payment manner, the face identification information of the user is collected, the location of the merchant terminal is obtained from the preset file, and then the payment information of this consumption is generated according to the face identification information of the user and the location of the merchant terminal. In another possible situation, the location of the merchant terminal may be obtained by automatically Positioning a Positioning module in the merchant terminal, where the Positioning module may be any one of a Global Positioning System (GPS) module, a WiFi Positioning module, a base station Positioning module, and a bluetooth Positioning module; in specific implementation, when the merchant terminal detects that the user consumes in a face-brushing payment mode on the merchant terminal, the face identification information of the user can be collected first, then the current position of the merchant terminal is located by using the positioning device, and then the payment information of the consumption is generated according to the face identification information of the user and the current position of the merchant terminal. In this case, the location of the merchant terminal is automatically located by the location module in the merchant terminal, so that the location of the merchant terminal is a real-time location during each consumption, and thus, the location of the merchant terminal is relatively accurate, and the payment accuracy can be ensured.

In an example four, after the merchant terminal collects the biometric information of the user, the merchant terminal may further obtain an identifier (such as a serial number) of the merchant terminal, and then generate payment information according to the biometric information of the user and the identifier of the merchant terminal, so that the payment information may include the biometric information of the user and the identifier of the merchant terminal. The identification of the merchant terminal can be used for the payment platform to obtain the merchant information to which the merchant terminal belongs.

The identifier of the merchant terminal is a unique identifier, and is used to uniquely identify one merchant terminal, such as an Internet Protocol (IP), a random number, a serial number, and the like of the merchant terminal. Correspondingly, the identifier of the merchant terminal is used for the payment platform to query the corresponding relation table of the identifier of the merchant terminal and the merchant information according to the identifier of the merchant terminal so as to obtain the merchant information corresponding to the identifier of the merchant terminal from the corresponding relation table.

In an example five, after the merchant terminal collects the biometric information of the user, the merchant terminal may further obtain merchant information belonging to the merchant terminal or an identifier of the merchant terminal, then obtain the payment amount and/or the payment time of the current consumption, and then generate payment information according to the merchant information or the identifier of the merchant terminal, the biometric information of the user, the payment amount and/or the payment time of the current consumption, so that the payment information may include the biometric information of the user, the merchant information belonging to the merchant terminal or the identifier of the merchant terminal, and the payment amount and/or the payment time of the current consumption.

Step 202, the merchant terminal reports the payment information to the payment platform.

In specific implementation, the merchant terminal may encode the payment information to obtain the message content, and may set the IP of the payment platform as a receiver of the message and set the IP of the merchant terminal as a sender of the message, so that the merchant terminal may send the message to the payment platform.

Step 203, after receiving the payment information reported by the merchant terminal, the payment platform acquires the merchant information to which the merchant terminal belongs, and obtains the payment rule set by the user according to the biometric information of the user.

In a specific implementation, if the payment information includes biometric information of the user and does not include merchant information to which the merchant terminal belongs or an identifier of the merchant terminal (corresponding to the first example or the second example), the payment platform may first parse the message to obtain a message content (i.e., biometric information of the user), a sender of the message (i.e., an IP of the merchant terminal), and a receiver of the message (i.e., an IP of the payment platform), then query the correspondence table according to the IP of the merchant terminal to obtain merchant information to which the merchant terminal belongs, and obtain a payment rule set by the user according to the biometric information of the user. If the payment information reported by the merchant terminal includes the biometric information of the user and the merchant information (corresponding to the third example or the fifth example), the payment platform may directly analyze the message content to obtain the biometric information of the user and the merchant information of the merchant terminal, and then obtain the payment rule set by the user according to the biometric information of the user. If the payment information reported by the merchant terminal includes the biometric information of the user and the identifier of the merchant terminal (corresponding to the fourth or fifth example), the payment platform may directly parse the message content to obtain the biometric information of the user and the identifier of the merchant terminal, then query the correspondence table according to the identifier of the merchant terminal to obtain the merchant information to which the merchant terminal belongs, which corresponds to the identifier of the merchant terminal, and then obtain the payment rule set by the user according to the biometric information of the user.

In the embodiment of the invention, the payment rule can be set on the payment platform by a user in advance, in specific implementation, the user can use the client to access a service interface provided by the payment platform and can trigger the payment platform to open the biological identification payment function for the user by clicking the function icon on the service interface, and correspondingly, when the payment platform detects that the user opens the biological identification payment function on the payment platform, the biological identification information of the user can be collected and the user can be prompted to enter the payment rule; therefore, after the user enters the payment rule, the payment platform can acquire the payment rule entered by the user and can establish the corresponding relation between the biological identification information of the user and the payment rule. The payment rule may include any one or more configuration information of a payment region, a payment merchant type, and a payment merchant list, may further include any one or more configuration information of a payment time limit, a single payment limit, and a daily transaction limit, and may further include a payment account corresponding to the biometric information, which is not limited specifically. If the user sets the payment account corresponding to the biometric information in the payment rule, the payment platform may use the payment account to perform the payment operation corresponding to the biometric mode, and if the user does not set the payment account corresponding to the biometric information in the payment rule, the payment platform may use a default payment account to perform the payment operation corresponding to the biometric mode.

Taking face payment as an example, the meaning of each configuration information set in the payment rule corresponding to the face payment by the user is described as follows:

(1) the payment account corresponding to the face identification information, that is, the user can configure one or more bound card payment accounts or other types of consumption payment accounts dedicated to face payment, and the payment account corresponding to the face identification information may be a class I account, such as a savings card, or a class II account, such as a credit card, or a class III account, such as a flash payment or a secret-free payment, opened by a commercial bank. In the embodiment of the invention, the preferentially recommended user sets the class III account as the payment account corresponding to the face identification information so as to reduce the risk of face payment and ensure the safety of the face payment.

(2) A payment area, wherein the user can configure a center coordinate and an activity radius which are allowed to pay, and thus, a circular area formed by taking the center coordinate set by the user as a circle center and the activity radius set by the user as a radius can be a payment area which is allowed to carry out face payment; alternatively, the user may define an area in a map provided by the payment platform, and the area is used as a payment area for allowing face payment.

(3) The single transaction limit is that the user can limit the single transaction limit when consuming in a face payment mode, for example, if the single transaction limit is 50, payment can be refused when the payment amount consumed in the face payment mode exceeds 50, and payment can be allowed when the payment amount consumed in the face payment mode does not exceed 50.

(4) Daily transaction limit-the daily transaction limit when the user can limit consumption using the face payment method, for example, if the daily transaction limit is 500, the payment can be rejected when the total daily payment amount (including the payment amount of the current consumption) of consumption using the face payment method exceeds 500, and the payment can be allowed when the total daily payment amount (including the payment amount of the current consumption) of consumption using the face payment method does not exceed 500.

(5) Payment time-the payment time that the user can set to allow the face payment mode to consume, the payment time can include a time validity period and a transaction time window, the time validity period refers to the payment date, and the transaction time window refers to the transaction time.

(6) Payment merchant type-the user can set the payment merchant type that allows the face payment mode to consume, wherein the payment merchant type can be catering, gymnasiums, natatoriums, supermarkets, and the like.

(7) Payment merchant list-the user may set a payment merchant list that allows a face payment method to consume, for example, a specific merchant may be selected from the merchant list provided by the payment platform.

In the embodiment of the invention, a user can set the payment rule on the payment platform according to actual needs, and can customize personalized configuration information in the payment rule, for example, any of the configuration information in the (1) to (7) can be set, so that the flexibility of biological identification payment is good, the application scene is wide, and the satisfaction degree of the user is good.

In step 204, the payment platform determines whether the merchant information meets the payment rule, if yes, step 205 is executed, and if no, step 206 is executed.

In specific implementation, the payment platform may determine whether the merchant information of the merchant terminal meets the payment rule through the following several situations:

case 1-payment rules include only payment regions (regions set by the user that allow biometric payments);

in case 1, if the merchant information includes the location of the merchant terminal, the payment platform may determine whether the location of the merchant terminal is located in the payment area, determine that the merchant information satisfies the payment rule if the location of the merchant terminal is located in the payment area, and determine that the merchant information does not satisfy the payment rule if the location of the merchant terminal is not located in the payment area. Correspondingly, if the merchant information includes the name of the merchant but does not include the location of the merchant terminal, the payment platform may first obtain the historical consumption record of the merchant from the big database according to the name of the merchant, then determine the location of the merchant terminal according to the historical consumption record, and then execute the above-mentioned determination process according to the location of the merchant terminal; the historical consumption record of the merchant refers to a consumption record generated when the historical user consumes in other payment modes on the merchant terminal, such as two-dimensional code payment.

By adopting the mode, the merchant terminal is complementarily positioned by using a big data technology, so that the payment platform can accurately acquire the position of the merchant terminal, and the accuracy of payment rule judgment can be improved.

Case 2-payment rules include only payment merchant type (user set merchant type that allows biometric payment);

in case 2, if the merchant information includes the type of the merchant, the payment platform may determine whether the type of the merchant belongs to a merchant type that is set by the user and allows biometric payment, determine that the merchant information satisfies the payment rule if the type of the merchant belongs to the merchant type that allows biometric payment, and determine that the merchant information does not satisfy the payment rule if the type of the merchant does not belong to the merchant type. Correspondingly, if the merchant information includes the name of the merchant and/or the location of the merchant terminal, but does not include the type of the merchant, the payment platform may first obtain the correspondence table between the name and the type of the merchant and/or the correspondence table between the location and the type of the merchant terminal from the payment platform, then query the correspondence table to determine the name of the merchant and/or the type of the merchant corresponding to the location of the merchant terminal, and then execute the above-mentioned determination process according to the type of the merchant. The correspondence table may be preset in the payment platform by those skilled in the art.

Case 3-payment rules include only payment merchant list (merchant list set by user to allow biometric payment);

in case 3, if the merchant information includes the name of the merchant, the payment platform may determine whether the name of the merchant is located in a merchant list that is set by the user and allows biometric payment, determine that the merchant information satisfies the payment rule if the name of the merchant is located in the merchant list, and determine that the merchant information does not satisfy the payment rule if the name of the merchant is not located in the merchant list. Correspondingly, if the merchant information includes the location of the merchant terminal and does not include the name of the merchant, the payment platform may first obtain the correspondence table between the location of the merchant terminal and the name from the payment platform, then query the correspondence table to determine the name of the merchant corresponding to the location of the merchant terminal, and then execute the above-mentioned determination process according to the name of the merchant. The correspondence table may be preset in the payment platform by those skilled in the art.

Case 4-payment rules include payment area and payment merchant type;

in case 4, if the merchant information includes the location of the merchant terminal and the type of the merchant, the payment platform may determine whether the location of the merchant terminal is located in the payment area, and determine whether the type of the merchant belongs to the payment merchant type, if the location of the merchant terminal is located in the payment area, and the type of the merchant belongs to the payment merchant type, it is determined that the merchant information satisfies the payment rule, and if the location of the merchant terminal is not located in the payment area, or the type of the merchant does not belong to the payment merchant type, it is determined that the merchant information does not satisfy the payment rule. Correspondingly, if the merchant information includes the name of the merchant, but does not include the location of the merchant terminal and the type of the merchant, the payment platform may first query the corresponding relationship table according to the name of the merchant to obtain the location of the merchant terminal and the type of the merchant, and then execute the above-mentioned determination process based on the location of the merchant terminal and the type of the merchant.

Case 5-payment rules include payment area and payment merchant list;

in case 5, if the merchant information includes the location of the merchant terminal and the name of the merchant, the payment platform may determine whether the location of the merchant terminal is located in the payment area, and determine whether the name of the merchant is located in the payment merchant list, if the location of the merchant terminal is located in the payment area, and the name of the merchant is located in the payment merchant list, it is determined that the merchant information satisfies the payment rule, and if the location of the merchant terminal is not located in the payment area, or the name of the merchant is not located in the payment merchant list, it is determined that the merchant information does not satisfy the payment rule. Or, if the merchant information includes the name of the merchant but does not include the location of the merchant terminal, the payment platform may first query the corresponding relationship table according to the name of the merchant to obtain the location of the merchant terminal, and then execute the above determination process based on the location of the merchant terminal and the name of the merchant.

In the embodiment of the invention, the user can limit the merchants (such as the payment-allowed area, the payment-allowed merchant types and the payment-allowed merchant list) allowed to pay in the payment rule according to actual needs, so that the biometric payment can be carried out in the payment area and the payment merchant preset by the user, and the biometric payment cannot be carried out in the payment area or the payment merchant not set by the user, thereby avoiding the behavior that lawbreakers carry out large-scale payment in each merchant after the biometric information of the user is stolen, ensuring the safety of the biometric payment function and improving the experience of the user.

In step 205, the payment platform executes payment operation using the payment method corresponding to the biometric information of the user.

In specific implementation, if the user binds the payment account corresponding to the biometric information in the payment rule, the payment platform may execute the payment operation through the commercial bank corresponding to the payment account, and if the user does not bind the payment account corresponding to the biometric information in the payment rule, the payment platform may query a default payment account set by the user, and then execute the payment operation through the commercial bank corresponding to the default payment account.

In an example, after determining that the merchant information satisfies the payment rule set by the user and before performing the payment operation, the payment platform may further determine whether configuration information other than the payment area, the payment merchant type, and the payment merchant list exists in the payment rule, such as a single transaction limit, a daily transaction limit, or payment time, if so, the payment platform may further obtain the payment amount and/or the payment time of the current consumption from the payment information, and determine whether the payment amount and/or the payment time satisfy the payment rule set by the user, if so, the payment operation may be performed, and if not, the step 206 may be performed. Specifically, if the payment rule includes a single transaction limit, the payment operation may be executed if the payment amount consumed this time is less than or equal to the single transaction limit, otherwise step 206 may be executed; or, if the payment rule includes the daily transaction limit, if the total payment amount (including the payment amount of the current consumption) consumed by the user in the biometric payment mode within the payment date of the current consumption is less than or equal to the daily transaction limit, the payment operation may be performed, otherwise, step 206 may be performed; or, if the payment rule includes a single transaction limit and a daily transaction limit, if the payment amount of the current consumption is less than or equal to the single transaction limit, and the total payment amount (including the payment amount of the current consumption) consumed by the user in the biometric payment mode within the payment date of the current consumption is less than or equal to the daily transaction limit, the payment operation may be performed, otherwise, step 206 may be performed; or, if the payment rule includes a single transaction limit, a daily transaction limit, and a payment time, if the payment amount of the current consumption is less than or equal to the single transaction limit, and the total payment amount (including the payment amount of the current consumption) consumed by the user using the biometric payment method within the payment date of the current consumption is less than or equal to the daily transaction limit, and the payment time of the current consumption is within the payment date and payment time range allowed by the user, the payment operation may be performed, otherwise, step 206 may be performed.

In this example, by determining whether the payment amount and/or the payment time of the current payment satisfies the payment rule before the payment operation, the payment amount over-payment consumed by the biometric identification payment method can be avoided, thereby ensuring the security of the current payment.

Further, after the payment operation is executed by using the payment method corresponding to the biometric information of the user, if the payment is successful, the payment platform may send a response message that the payment is successful to the merchant terminal, and if the payment is unsuccessful (for example, due to a network failure of a commercial bank, insufficient balance of a payment account, and the like), the payment platform may send a response message that the payment is unsuccessful to the merchant terminal.

At step 206, the payment platform denies payment.

In specific implementation, when determining that the merchant information does not satisfy the payment rule set by the user, or the payment amount and/or the payment time of the current consumption does not satisfy the payment rule set by the user, the payment platform may reject the payment, and may send a response message indicating that the payment has failed to the merchant terminal.

The following describes the payment method in the embodiment of the present invention in a specific application scenario:

if the user wants to go out for physical exercise and cannot carry cash, bank cards and various electronic devices, the user can set a payment rule of temporary face payment on the payment platform in advance, for example, a transaction account corresponding to the face payment, an area allowing the face payment, an upper limit of the allowed payment amount per day, an effective time range allowing the face payment and the like can be input on the payment platform. Therefore, when the user consumes in a face payment mode on the merchant terminal in the physical exercise process, the merchant terminal can acquire the face identification information of the user and report the face identification information of the user, the position of the merchant terminal, the transaction finance of the consumption, the transaction time of the consumption and other payment information to the payment platform; correspondingly, after the payment platform acquires the payment information, the payment platform can acquire a payment rule set by the user according to the face identification information of the user, then judges whether the position of the merchant terminal is located in an area which is set by the user and allows face payment, judges whether the transaction amount of the current consumption meets the upper limit of the daily allowed payment amount, judges whether the transaction time of the current consumption is located in the effective time range of the face payment, if yes, the payment operation can be carried out on the current consumption by using a payment account corresponding to the face payment information, and if one or more conditions are not met, the payment can be refused.

In the embodiment of the invention, the payment platform comprises a payment mechanism and a commercial bank, and when the payment rules are set in different mechanisms, the execution flow of the payment method is different.

Fig. 3 is a schematic view of an interaction flow corresponding to a payment method when a payment rule is set in a payment authority according to an embodiment of the present invention, as shown in fig. 3, the method specifically includes:

step 301, when detecting that a user sets a payment rule on a service interface provided by a payment mechanism, the payment mechanism acquires the payment rule set by the user, collects biometric information of the user, and further establishes a corresponding relationship between the biometric information of the user and the payment rule set by the user.

Step 302, when the merchant terminal detects that the user consumes based on the biometric identification mode on the merchant terminal, generating the payment information of the consumption, wherein the payment information includes the biometric identification information of the user.

In a specific implementation, when the merchant terminal detects that the user consumes based on the biometric identification mode on the merchant terminal, the biometric identification information of the user may be collected first, and then the payment information of the consumption is generated according to the biometric identification information, the payment amount and/or the payment time of the user, or the payment information of the consumption is generated according to the biometric identification information, the payment amount and/or the payment time of the user, the identification of the merchant terminal, or the merchant information to which the merchant terminal belongs. The merchant information may be any one or more of the location of the merchant terminal, the name of the merchant, and the type of the merchant.

And step 303, the merchant terminal reports the payment information of the consumption to the payment mechanism.

And 304, after receiving the payment information reported by the merchant terminal, the payment mechanism acquires the merchant information of the merchant terminal and obtains the payment rule set by the user according to the biological identification information of the user.

In a specific implementation, after receiving the payment information reported by the merchant terminal, the payment mechanism may analyze the payment information to obtain biometric information, payment amount and/or payment time of the user, or may analyze the payment information to obtain biometric information, payment amount and/or payment time of the user, an identifier of the merchant terminal, and/or merchant information to which the merchant terminal belongs. If the payment information includes the identifier of the merchant terminal, the payment mechanism may obtain, according to the identifier of the merchant terminal, the merchant information to which the merchant terminal belongs from the correspondence table, and if the payment information does not include the identifier of the merchant terminal and the merchant information to which the merchant terminal belongs, the payment mechanism may obtain, according to the IP of the merchant terminal, the merchant information to which the merchant terminal belongs from the correspondence table. Accordingly, the payment mechanism may obtain the payment rule set by the user from the correspondence between the biometric information of the user and the payment rule set by the user according to the biometric information of the user.

In step 305, the payment mechanism determines whether the merchant information of the merchant terminal meets the payment rule set by the user, if so, step 306 is executed, and if not, step 307 is executed.

Step 306, the payment mechanism determines whether the payment amount and/or the payment time satisfy the payment rule set by the user, if yes, step 308 is executed, and if no, step 307 is executed.

In step 307, the payment institution denies the payment and generates a response message indicating that the payment has failed, and then proceeds to step 314.

And 308, the payment mechanism generates deduction information according to the merchant information, the payment amount, the payment time and the payment account corresponding to the biological identification information of the user.

In step 309, the payment authority sends the deduction information to the commercial bank.

And 310, after the commercial bank receives the deduction information, the commercial bank pays the payment amount of the consumption to the commercial tenant indicated by the commercial tenant information based on the payment account corresponding to the biological identification information of the user.

In step 311, the commercial bank determines whether the payment is successful, if not, step 312 is executed, and if so, step 313 is executed.

In specific implementation, in a preset time period, if the payment amount of the current consumption is successfully deducted from the payment account corresponding to the biological identification information of the user and the payment amount of the current consumption is successfully transferred to the account of the merchant, the successful payment is determined; correspondingly, in a preset time period, if the payment amount of the current consumption is not deducted from the payment account corresponding to the biological identification information of the user, or the payment amount of the current consumption is deducted from the payment account corresponding to the biological identification information of the user, but the payment amount of the current consumption is not transferred to the account of the merchant, the payment failure is determined.

At step 312, the merchant bank sends a payment failure response message to the payment authority.

The commercial bank sends a response message to the payment authority that the payment was successful, step 313.

In step 314, the payment mechanism sends a response message of successful payment or a response message of unsuccessful payment to the merchant terminal.

In the embodiment of the invention, the payment rule is set in the payment mechanism, and the judgment process of the payment rule is executed by the payment mechanism, so that the workload of the commercial bank can be reduced, the influence on the normal money deduction operation of the commercial bank is avoided, and the payment accuracy is improved.

Fig. 4 is an interaction flow diagram corresponding to a payment method when a payment rule is set in a commercial bank according to an embodiment of the present invention, as shown in fig. 4, the method includes:

step 401, when detecting that a user sets a payment rule on a service interface provided by a payment mechanism, a payment mechanism acquires the payment rule set by the user, collects biometric information of the user, and determines a payment account corresponding to the biometric information of the user according to the payment rule set by the user.

Step 402, the payment mechanism sends the biometric information of the user and the payment rule set by the user to the commercial bank to which the payment account corresponding to the biometric information of the user belongs.

In step 403, the commercial bank establishes a correspondence between the biometric information of the user and the payment rule set by the user.

Step 404, when the merchant terminal detects that the user consumes based on the biometric identification mode on the merchant terminal, generating the payment information of the consumption, wherein the payment information includes the biometric identification information of the user.

In specific implementation, when the merchant terminal detects that the user consumes based on the biometric identification mode on the merchant terminal, the biometric identification information of the user can be acquired, and then the payment information of the consumption is generated according to the biometric identification information, the payment amount and/or the payment time of the user, or the payment information of the consumption is generated according to the biometric identification information, the payment amount and/or the payment time of the user, the identification of the merchant terminal or the merchant information to which the merchant terminal belongs. The merchant information may be any one or more of the location of the merchant terminal, the name of the merchant, and the type of the merchant.

Step 405, the merchant terminal reports the payment information of the consumption to the payment mechanism.

In step 406, the payment authority sends the payment account with the payment information corresponding to the biometric information of the user to the commercial bank.

Step 407, after receiving the payment information and the payment account sent by the payment mechanism, the commercial bank obtains information of the merchant to which the merchant terminal belongs, and obtains the payment rule set by the user according to the biometric information of the user.

In specific implementation, after receiving the payment information and the payment account sent by the payment mechanism, the commercial bank may analyze the payment information to obtain biometric information, payment amount and/or payment time of the user, or analyze the payment information to obtain biometric information, payment amount and/or payment time of the user, an identifier of the merchant terminal and/or merchant information to which the merchant terminal belongs. If the payment information includes the identifier of the merchant terminal, the commercial bank may obtain the merchant information to which the merchant terminal belongs from the corresponding relationship table according to the identifier of the merchant terminal, and if the payment information does not include the identifier of the merchant terminal and the merchant information to which the merchant terminal belongs, the commercial bank may obtain the merchant information to which the merchant terminal belongs from the corresponding relationship table according to the IP of the merchant terminal. Accordingly, the commercial bank may acquire the payment rule set by the user from the correspondence between the biometric information of the user and the payment rule set by the user according to the biometric information of the user.

In step 408, the commercial bank determines whether the merchant information of the merchant terminal meets the payment rule set by the user, if yes, step 409 is executed, and if no, step 410 is executed.

In step 409, the commercial bank determines whether the payment amount and/or the payment time satisfy the payment rule set by the user, if yes, step 411 is executed, and if no, step 410 is executed.

The merchant bank denies the payment 410 and generates a response message indicating that the payment failed, and proceeds to 415.

Step 411, the commercial bank pays the payment amount of the current consumption to the account of the merchant indicated by the merchant information based on the payment account corresponding to the biometric information of the user according to the merchant information, the payment amount, the payment time and the biometric information of the user.

In step 412, the commercial bank determines whether the payment is successful, if not, step 413 is executed, and if so, step 414 is executed.

The commercial bank sends a response message to the payment authority that the payment failed, step 413.

At step 414, the commercial bank sends a response message to the payment authority that the payment was successful.

In step 415, the payment mechanism sends a response message that the payment is successful or a response message that the payment is unsuccessful to the merchant terminal.

In the embodiment of the invention, the payment rule is set in the commercial bank, and the judgment process of the payment rule is executed by the commercial bank, so that the payment mechanism can be prevented from forging deduction information in the payment process, the unsafe influence on the payment process caused by the payment mechanism serving as a third party mechanism is avoided, and the payment safety is ensured.

In the embodiment of the invention, when a merchant terminal detects that a user consumes based on a biological identification mode on the merchant terminal, the merchant terminal generates the payment information of the consumption and reports the payment information to a payment platform, wherein the payment information comprises the biological identification information of the user; the merchant terminal; correspondingly, after receiving the payment information sent by the merchant terminal, the payment platform acquires merchant information to which the merchant terminal belongs, obtains a payment rule set by the user according to the biological identification information of the user, and executes payment operation by using a payment mode corresponding to the biological identification information of the user if the merchant information meets the payment rule. In the embodiment of the invention, the user can flexibly configure the payment rule corresponding to the payment behavior for consumption based on the biological identification characteristics, and the flexibility and the safety of the biological identification payment function can be improved by setting the personalized payment rule by the user; in addition, the information of the merchant to which the merchant terminal belongs is obtained, payment operation can be performed according to the payment rule set by the user under the condition that the user does not carry the mobile phone, so that the user can pay according to the payment rule even if the user does not carry the mobile phone when going out as long as the user sets the payment rule in advance, and the user experience is better.

For the above method flow, an embodiment of the present invention further provides a payment device, and specific contents of the payment device may be implemented with reference to the above method.

Fig. 5 is a schematic structural diagram of a payment apparatus 500 according to an embodiment of the present invention, including:

a transceiver module 501, configured to receive payment information reported by a merchant terminal; the payment information is generated by the merchant terminal when a user consumes on the merchant terminal based on a biological identification mode, and the payment information comprises biological identification information of the user;

the processing module 502 is configured to obtain merchant information to which the merchant terminal belongs, obtain a payment rule set by the user according to the biometric information of the user, and execute a payment operation using a payment method corresponding to the biometric information of the user if it is determined that the merchant information satisfies the payment rule.

Optionally, the payment rule includes any one or more of a payment region, a payment merchant type, and a payment merchant list; the merchant information comprises any one or more of the location of the merchant terminal, the name of the merchant and the type of the merchant;

the processing module 502 is specifically configured to:

when the merchant information comprises the location of the merchant terminal and the type of the merchant, and the payment rule comprises a payment area and the type of the payment merchant, if the location of the merchant terminal is determined to be located in the payment area and the type of the merchant belongs to the type of the payment merchant, determining that the merchant information meets the payment rule; or when the merchant information includes the location of the merchant terminal and the name of the merchant, and the payment rule includes a payment area and a payment merchant list, if it is determined that the location of the merchant terminal is located in the payment area and the name of the merchant is located in the payment merchant list, it is determined that the merchant information satisfies the payment rule.

Optionally, the payment rule further comprises any one or more of payment age, single payment limit and daily transaction limit;

the payment information further comprises payment time and/or payment amount;

before the processing module 502 executes the payment operation using the payment method corresponding to the biometric information of the user, the processing module is further configured to:

determining that the payment time and/or the payment amount complies with the payment rule.

Optionally, before the transceiver module 501 receives the payment information reported by the merchant terminal, the processing module 502 is further configured to:

when the user is detected to open a biological identification payment function on a payment platform, collecting biological identification information of the user, and prompting the user to enter a payment rule;

and acquiring the payment rule input by the user, and establishing the corresponding relation between the biological identification information of the user and the payment rule input by the user.

Fig. 6 is a schematic structural diagram of a payment apparatus 600 according to an embodiment of the present invention, including:

a generating module 601, configured to generate payment information for consumption when detecting that a user consumes based on a biometric identification method at a merchant terminal; the payment information includes biometric information of the user;

a transceiver module 602, configured to report the payment information to a payment platform; the payment information is used for the payment platform to obtain merchant information to which the merchant terminal belongs, a payment rule set by the user is obtained according to the biological identification information of the user, and if the merchant information meets the payment rule, a payment mode corresponding to the biological identification information of the user is used for executing payment operation.

From the above, it can be seen that: in the embodiment of the invention, when a merchant terminal detects that a user consumes based on a biological identification mode on the merchant terminal, the merchant terminal generates the payment information of the consumption and reports the payment information to a payment platform, wherein the payment information comprises the biological identification information of the user; the merchant terminal; correspondingly, after receiving the payment information sent by the merchant terminal, the payment platform acquires merchant information to which the merchant terminal belongs, obtains a payment rule set by the user according to the biological identification information of the user, and executes payment operation by using a payment mode corresponding to the biological identification information of the user if the merchant information meets the payment rule. In the embodiment of the invention, the user can flexibly configure the payment rule corresponding to the payment behavior for consumption based on the biological identification characteristics, and the flexibility and the safety of the biological identification payment function can be improved by setting the personalized payment rule by the user; in addition, the information of the merchant to which the merchant terminal belongs is obtained, payment operation can be performed according to the payment rule set by the user under the condition that the user does not carry the mobile phone, so that the user can pay according to the payment rule even if the user does not carry the mobile phone when going out as long as the user sets the payment rule in advance, and the user experience is better.

Based on the same inventive concept, an embodiment of the present invention provides a computing device, as shown in fig. 7, including at least one processor 701 and a memory 702 connected to the at least one processor, where a specific connection medium between the processor 701 and the memory 702 is not limited in the embodiment of the present invention, and the processor 701 and the memory 702 are connected through a bus in fig. 7 as an example. The bus may be divided into an address bus, a data bus, a control bus, etc.

In the embodiment of the present invention, the memory 702 stores instructions executable by the at least one processor 701, and the at least one processor 701 may execute the steps included in the payment method by executing the instructions stored in the memory 702.

The processor 701 is a control center of the computing device, and may be connected to various parts of the computing device by using various interfaces and lines, and implement data processing by executing or executing instructions stored in the memory 702 and calling data stored in the memory 702. Optionally, the processor 701 may include one or more processing units, and the processor 701 may integrate an application processor and a modem processor, where the application processor mainly processes an operating system, a user interface, an application program, and the like, and the modem processor mainly processes an issued instruction. It will be appreciated that the modem processor described above may not be integrated into the processor 701. In some embodiments, processor 701 and memory 702 may be implemented on the same chip, or in some embodiments, they may be implemented separately on separate chips.

The processor 701 may be a general-purpose processor, such as a Central Processing Unit (CPU), a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof, configured to implement or perform the methods, steps, and logic blocks disclosed in embodiments of the present invention. A general purpose processor may be a microprocessor or any conventional processor or the like. The steps of a method disclosed in connection with the payment embodiments may be embodied directly in a hardware processor, or in a combination of hardware and software modules within the processor.

Memory 702, which is a non-volatile computer-readable storage medium, may be used to store non-volatile software programs, non-volatile computer-executable programs, and modules. The Memory 702 may include at least one type of storage medium, and may include, for example, a flash Memory, a hard disk, a multimedia card, a card-type Memory, a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Programmable Read Only Memory (PROM), a Read Only Memory (ROM), a charge Erasable Programmable Read Only Memory (EEPROM), a magnetic Memory, a magnetic disk, an optical disk, and so on. The memory 702 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 702 of embodiments of the present invention may also be circuitry or any other device capable of performing a storage function to store program instructions and/or data.

Based on the same inventive concept, embodiments of the present invention also provide a computer-readable storage medium storing a computer program executable by a computing device, where the computer program is configured to cause the computing device to execute the method described in any of fig. 2 to 4 when the computer program runs on the computing device.

It should be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A method of payment, the method comprising:

the payment platform receives payment information reported by a merchant terminal; the payment information is generated by the merchant terminal when a user consumes on the merchant terminal based on a biological identification mode, and the payment information comprises biological identification information of the user;

the payment platform acquires merchant information to which the merchant terminal belongs, obtains a payment rule set by the user according to the biological identification information of the user, and executes payment operation by using a payment mode corresponding to the biological identification information of the user if the merchant information meets the payment rule.

2. The method of claim 1, wherein the payment rule comprises any one or more of a payment region, a payment merchant type, a payment merchant list; the merchant information comprises any one or more of the location of the merchant terminal, the name of the merchant and the type of the merchant;

the payment platform determining that the merchant information satisfies the payment rule includes:

when the merchant information comprises the location of the merchant terminal and the type of the merchant, and the payment rule comprises a payment area and the type of the payment merchant, if the payment platform determines that the location of the merchant terminal is located in the payment area and the type of the merchant belongs to the type of the payment merchant, determining that the merchant information meets the payment rule; or when the merchant information includes the location of the merchant terminal and the name of the merchant, and the payment rule includes a payment area and a payment merchant list, if the payment platform determines that the location of the merchant terminal is located in the payment area and the name of the merchant is located in the payment merchant list, it determines that the merchant information satisfies the payment rule.

3. The method of claim 2, wherein the payment rules further comprise any one or more of payment age, single payment limit, and daily transaction limit;

the payment information further comprises payment time and/or payment amount;

before the payment platform executes the payment operation by using the payment mode corresponding to the biometric information of the user, the method further comprises the following steps:

the payment platform determines that the payment time and/or the payment amount complies with the payment rules.

4. The method according to any one of claims 1 to 3, wherein before the payment platform receives the payment information reported by the merchant terminal, the method further comprises:

when the payment platform detects that the user opens a biological identification payment function on the payment platform, the payment platform collects biological identification information of the user and prompts the user to enter a payment rule;

and the payment platform acquires the payment rule input by the user and establishes the corresponding relation between the biological identification information of the user and the payment rule input by the user.

5. A method of payment, the method comprising:

when a merchant terminal detects that a user consumes on the merchant terminal based on a biological identification mode, generating consumed payment information; the payment information includes biometric information of the user;

the merchant terminal reports the payment information to a payment platform; the payment information is used for the payment platform to obtain merchant information to which the merchant terminal belongs, a payment rule set by the user is obtained according to the biological identification information of the user, and if the merchant information meets the payment rule, a payment mode corresponding to the biological identification information of the user is used for executing payment operation.

6. A payment device, the device comprising:

7. The apparatus of claim 6, wherein the payment rule comprises any one or more of a payment region, a payment merchant type, a payment merchant list; the merchant information comprises any one or more of the location of the merchant terminal, the name of the merchant and the type of the merchant;

the processing module is specifically configured to:

8. The apparatus of claim 7, wherein the payment rules further comprise any one or more of payment age, single payment limit, and daily transaction limit;

the payment information further comprises payment time and/or payment amount;

before the processing module executes the payment operation by using the payment mode corresponding to the biometric information of the user, the processing module is further configured to:

9. The apparatus according to any one of claims 6 to 8, wherein before the transceiver module receives the payment information reported by the merchant terminal, the processing module is further configured to:

10. A payment device, the device comprising:

11. A computing device comprising at least one processing unit and at least one memory unit, wherein the memory unit stores a computer program that, when executed by the processing unit, causes the processing unit to perform the method of any of claims 1 to 5.

12. A computer-readable storage medium storing a computer program executable by a computing device, the program, when run on the computing device, causing the computing device to perform the method of any of claims 1 to 5.