CN110827017A - Intelligent watch phone for network payment and simple payment method thereof - Google Patents
Intelligent watch phone for network payment and simple payment method thereof Download PDFInfo
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- CN110827017A CN110827017A CN201810963593.XA CN201810963593A CN110827017A CN 110827017 A CN110827017 A CN 110827017A CN 201810963593 A CN201810963593 A CN 201810963593A CN 110827017 A CN110827017 A CN 110827017A
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- 238000000034 method Methods 0.000 title claims abstract description 19
- 230000000007 visual effect Effects 0.000 claims abstract description 6
- 238000012795 verification Methods 0.000 claims description 30
- 230000003287 optical effect Effects 0.000 claims description 13
- 238000012790 confirmation Methods 0.000 claims 1
- 230000009286 beneficial effect Effects 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G04—HOROLOGY
- G04B—MECHANICALLY-DRIVEN CLOCKS OR WATCHES; MECHANICAL PARTS OF CLOCKS OR WATCHES IN GENERAL; TIME PIECES USING THE POSITION OF THE SUN, MOON OR STARS
- G04B47/00—Time-pieces combined with other articles which do not interfere with the running or the time-keeping of the time-piece
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
- H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
- H04B1/3827—Portable transceivers
- H04B1/385—Transceivers carried on the body, e.g. in helmets
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
- H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
- H04B1/3827—Portable transceivers
- H04B1/385—Transceivers carried on the body, e.g. in helmets
- H04B2001/3861—Transceivers carried on the body, e.g. in helmets carried in a hand or on fingers
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a network payment intelligent watch phone and a simple payment method thereof, wherein the network payment intelligent watch phone consists of a phone body, a display screen, a camera, a light aiming code scanning frame, a fingerprint scanning screen and a switch key, the phone is pre-provided with a payment program which is matched with network payment application programs such as a payment treasure, a WeChat and the like and executes the simple payment method, the square brightness illuminated by the light aiming code scanning frame is basically consistent with the visual angle of the camera, the square brightness illuminated by the light aiming code scanning frame is aligned to a merchant to be scanned, and the camera can accurately scan; the payment method comprises the following steps that after a fingerprint scanning screen is touched by a finger, a network payment intelligent watch phone directly enters a Payment treasure home page or WeChat + page after the fingerprint is verified, a Payment treasure scanning and payment option or a WeChat scanning and payment receiving and payment option is automatically and selectively popped up, and specific payment can be carried out by selecting the required payment option by clicking a display screen.
Description
Technical Field
The invention relates to an intelligent watch phone, in particular to an intelligent watch phone capable of being used for network payment and a simple payment method thereof.
Technical Field
The existing watch telephone set has single function, and only has few functions of making a call, watching time and the like, which is very beneficial for children, but has great defects. Mainly, the existing watch phone cannot adapt to network payment. The existing watch phone is inconvenient to scan and pay the two-dimensional code, the display screen and the lens are in the same direction, and whether the two-dimensional code is aligned to be scanned or not is not easy to determine; in addition, the display screen is too small, the mobile phone program menu is not easy to be turned over, and the existing payment software is not suitable for the existing watch phone. With the fact that network payment is increasingly common, convenient and fast cashless mobile network payment becomes daily life of people, and the situation that a family always stores cash is gradually reduced. Thus, it is annoying to the adult to pay money for their children.
Disclosure of Invention
The invention provides an intelligent watch phone for network payment and a simple payment method thereof, aiming at solving the problem that the existing watch phone cannot adapt to network payment.
The specific scheme is as follows: a network payment intelligent watch telephone is composed of a network payment intelligent watch telephone body, a display screen, a camera, an optical aiming code scanning frame, a fingerprint scanning screen and a switch key; the optical aiming code scanning frame is a lamp which is close to the camera and projects square light, the square light irradiated by the optical aiming code scanning frame is basically consistent with the visual angle of the camera, and the optical aiming code scanning frame is matched with the camera and is used for conveniently scanning a payment code at a merchant end; the network payment intelligent watch phone is pre-loaded with a payment program which is matched with network payment application programs of a payment treasure and a WeChat and executes a simple payment method.
After the fingerprint scanning screen of the network payment intelligent watch phone verifies that the fingerprint passes, the display screen of the network payment intelligent watch phone can directly display a scanning and payment option of a payment bank or a scanning and payment option of a WeChat;
when the merchant cash register is selected to be scanned, the optical aiming code scanning frame is lightened to emit square light, the camera is opened at the same time, the square light lightened by the optical aiming code scanning frame is aligned to the merchant cash register to be scanned, and the camera can accurately scan the merchant cash register;
the square brightness illuminated by the light aiming code scanning frame is basically consistent with the visual angle of the camera;
when the network payment intelligent watch phone successfully scans the merchant collection code, the network payment intelligent watch phone generates voice prompt.
A simple payment method adapted to network payment intelligent watch telephone set, the operation process is, the finger touches the fingerprint scanning screen, after verifying the fingerprint to pass, the display screen of the network payment intelligent watch telephone set directly displays the scanning of the payment treasure, the payment option of paying money or the scanning of the WeChat, the payment option of receiving and paying money;
when a finger touches the fingerprint scanning screen and the verification fingerprint cannot pass, the payment password input verification is displayed on the display screen of the network payment intelligent watch phone, the password input is inconsistent for multiple times, and the network payment intelligent watch phone is prohibited from entering a payment program;
when the payment password input verification is displayed on the display screen of the network payment intelligent watch phone, the password verification is passed, and the display screen of the network payment intelligent watch phone directly displays a scanning of a payment treasure, a payment option or a scanning of a WeChat, a payment option;
when a merchant cash register (a payer or WeChat scanning payment option) is selected to be scanned successfully, the network payment intelligent watch telephone enters an amount input page, inputs the amount to be paid, clicks to determine, and puts a payment request to a payment system server, namely, the payment system server is entered to verify the fund of the account of the local machine; if the account fund is enough to pay, fingerprint or password verification is carried out, and the payment is finished and prompted after the verification is passed; if the account fund is not enough to be paid, the payment system server refuses payment and prompts;
when fingerprint or password verification is entered and the verification cannot pass, the payment system server refuses payment and prompts;
when the payment code (paying money option of the Payment treasures or payment option of WeChat receiving) is selected to be displayed, the display screen displays the payment code for the merchant to scan for collection, the merchant scans and puts forward a payment request to the payment system server, namely, the merchant enters the payment system server to verify the funds of the account of the merchant; if the account fund is not enough to be paid, the payment system server refuses payment and prompts; if the account funds are sufficiently paid, the merchant scans to complete the payment and prompts.
The invention has the beneficial effects that: 1. the intelligent watch phone can be used for network payment quickly and conveniently; 2. the payment operation action is few and simple, and is easy to master; 3. the payment is safe without worry of stolen payment.
Drawings
FIG. 1 is a diagram of a smart watch phone for network payment
FIG. 2 is a flow chart of Payment in a smart watch phone for network payment
FIG. 3 is a flow chart of WeChat payment in a smart watch phone for network payment
In the figure:
1-intelligent watch telephone body 2-display screen 3-fingerprint scanning screen for network payment
4-camera 5-optical aiming code scanning frame 6-switch key
Detailed Description
According to the illustration of FIG. 1: a network payment intelligent watch telephone is composed of a network payment intelligent watch telephone body 1, a display screen 2, a camera 4, an optical aiming code scanning frame 5, a fingerprint scanning screen 3 and a switch key 6; the light aiming code scanning frame 5 is a lamp which is close to the camera 4 and projects square light, the square light irradiated by the light aiming code scanning frame 5 is basically consistent with the visual angle of the camera 4, and the light aiming code scanning frame 5 is matched with the camera 4 and is used for conveniently scanning a payment code at a merchant end; the network payment intelligent watch phone is pre-loaded with a payment program which is matched with a network payment application program of a payment treasure and a WeChat and executes a simple payment method.
When a merchant cash register is selected to be scanned, the optical aiming code scanning frame 5 is lightened to emit square light, the camera 4 is opened, the square light emitted by the optical aiming code scanning frame 5 is basically consistent with the visual angle of the camera 4, the square light emitted by the optical aiming code scanning frame 5 is aligned to the merchant cash register to be scanned, the camera 4 performs accurate scanning, voice prompt appears on the intelligent watch telephone which is successfully scanned and pays through a network, then the intelligent watch telephone enters a cash input page, the cash required to be paid is input, fingerprint or password verification is performed again after the password is determined by clicking, the verification is passed, and the payment is completed;
when the payment code is selected to be displayed, the display screen displays the payment code for the merchant to scan for collection;
after the fingerprint scanning screen 3 of the network payment intelligent watch phone verifies that the fingerprint passes, the display screen 2 of the network payment intelligent watch phone can directly display a scanning and payment option of a payment treasure or a scanning and payment option of a WeChat.
The following description is a specific example of a simple payment method adapted to a network payment smart watch phone, with reference to the accompanying drawings:
the first implementation mode comprises the following steps:
according to the simple payment method matched with the network payment intelligent watch telephone, as shown in the figures 1 and 2, the operation flow is as follows:
(11) the fingerprint scanning screen 3 is touched by a finger, (12) after the fingerprint is verified, (13) the display screen 2 of the network payment intelligent watch phone directly displays the scanning and payment options of the payment bank;
when (11) a finger touches a fingerprint scanning screen, (12) the fingerprint cannot pass through verification, (19) payment password input verification is displayed on a display screen 2 of the network payment intelligent watch phone, and the password input is not consistent for multiple times, (20) the network payment intelligent watch phone is prohibited from entering a payment program;
when (19) the payment password input verification is displayed on the display screen 2 of the network payment intelligent watch phone, the password verification is passed, (13) the display screen 2 of the network payment intelligent watch phone directly displays the scanning and payment options of the payment treasures;
when a merchant cash register is selected to be scanned (a payer scans a payment option), (15) the smart watch telephone successfully scans the network payment to enter an amount input page, inputs the amount to be paid, clicks to determine, and puts a payment request to a payment system server, namely, (16) the payment system server is accessed to verify the fund of the local account; if the account funds are sufficient to pay, then (17) entering fingerprint or password verification, and the verification is passed, namely (18) completing the payment and prompting; if the account fund is not enough to be paid, the payment system server refuses payment and prompts;
when (17) fingerprint or password authentication is entered and the authentication cannot pass, the payment system server refuses payment and prompts;
when the payment code (Paibao pay option) is selected to be shown, (14) the display screen 2 shows the payment code for the merchant to scan for collection, the merchant scans and puts a payment request to the payment system server, namely, (16) the merchant enters the payment system server to verify the fund of the local account; if the account fund is not enough to be paid, the payment system server refuses payment and prompts; if the account funds are sufficiently paid, the merchant scans (18) to complete the payment and prompts.
The second embodiment:
according to the simple payment method matched with the network payment intelligent watch telephone, as shown in the figures 1 and 3, the operation flow is as follows:
(31) after the fingerprint is touched by a finger, the fingerprint scanning screen is verified, (32) the display screen 2 of the intelligent watch phone for network payment (33) directly displays a scanning, collection and payment option of WeChat;
when (31) a finger touches a fingerprint scanning screen, (32) the fingerprint cannot pass through verification, (39) payment password input verification is displayed on a display screen 2 of the network payment intelligent watch phone, and the password input is inconsistent for multiple times, (40) the network payment intelligent watch phone is forbidden to enter a payment program;
when (39) the payment password input verification is displayed on the display screen 2 of the network payment intelligent watch phone, and the password verification is passed, the display screen 2 of the network payment intelligent watch phone (33) directly displays a scanning, collection and payment option of WeChat;
when a merchant cash register is selected to be scanned (a payment option is scanned by WeChat), (35) an amount input page is entered by the intelligent watch telephone for network payment successfully, the amount to be paid is input, the payment is determined by clicking, a payment request is sent to a payment system server, namely, (36) the payment system server is entered to verify the fund of the local account; if the account funds are sufficient to pay, then (37) fingerprint or password verification is entered, verification is passed, i.e. (38) payment is completed and: if the account fund is not enough to be paid, the payment system server refuses payment and prompts;
when (37) fingerprint or password authentication is entered and the authentication cannot pass, the payment system server refuses payment and prompts;
when the payment code (WeChat receipt payment option) is selected to be presented, (34) the display screen presents the payment code for the merchant to scan for collection, the merchant scans and puts a payment request to the payment system server, namely, (36) the payment system server is accessed to verify the funds of the local account; if the account fund is not enough to be paid, the payment system server refuses payment and prompts; if the account funds are sufficiently paid, the merchant scans (38) to complete the payment and prompts.
The payment system server is a server which takes a payment treasure or WeChat as a network payment system service provider to support and maintain network payment.
Claims (8)
1. An intelligent watch phone for network payment, which is characterized in that: the network payment intelligent watch phone consists of a network payment intelligent watch phone body, a display screen, a camera, an optical aiming code scanning frame, a fingerprint scanning screen and a switch key; the light aiming code scanning frame is a lamp which is close to the camera and projects square light; the network payment intelligent watch phone is pre-loaded with a payment program which is matched with network payment application programs of a payment treasure and a WeChat and executes a simple payment method.
2. A network payment smart watch phone as defined in claim 1, wherein: when the network payment intelligent watch phone is pre-provided with the network payment application programs such as the payment treasures or the WeChat, and after the fingerprint of the fingerprint scanning screen of the network payment intelligent watch phone is verified to pass, the display screen of the network payment intelligent watch phone can directly display the scanning of the payment treasures, the payment options for paying money or the scanning of the WeChat, the payment options for collecting and paying the payment options.
3. A network payment smart watch phone as defined in claim 1, wherein: when the merchant collection code is selected to be scanned, the optical aiming code scanning frame is lightened to shine square light, the camera is opened at the same time, the square light lightened by the optical aiming code scanning frame is aligned to the merchant collection code to be scanned, and the camera can accurately scan the merchant collection code.
4. A network payment smart watch phone as claimed in claim 1 or claim 3 wherein: the brightness of a square illuminated by the light aiming code scanning frame is basically consistent with the visual angle of the camera.
5. A network payment smart watch phone as claimed in claim 1 or claim 3 wherein: when the network payment intelligent watch phone successfully scans the merchant collection code, the network payment intelligent watch phone generates voice prompt.
6. A simple payment method matched with a network payment intelligent watch telephone is characterized in that: the method comprises the following steps that a finger touches a fingerprint scanning screen, after the fingerprint is verified, a display screen of the network payment intelligent watch phone directly displays a scanning and payment option of a payment bank or a scanning and payment option of a WeChat;
when the merchant cash register is selected to be scanned, the scanning is successful, the network payment intelligent watch telephone enters an amount input page, the amount to be paid is input, the confirmation is clicked, a payment request is made to a payment system server, namely the payment system server is entered to verify the fund of the account of the local machine; if the account fund is enough to pay, fingerprint or password verification is carried out, and the payment is finished and prompted after the verification is passed; if the account fund is not enough to be paid, the payment system server refuses payment and prompts;
when fingerprint or password verification is entered and the verification cannot pass, the payment system server refuses payment and prompts;
when the payment code is selected to be presented, the display screen presents the payment code for the merchant to scan for collection, the merchant scans and puts forward a payment request to the payment system server, namely, the merchant enters the payment system server to verify the fund of the account of the merchant; if the account fund is not enough to be paid, the payment system server refuses payment and prompts; if the account funds are sufficiently paid, the merchant scans to complete the payment and prompts.
7. The easy payment method of claim 6 adapted to a network payment smart watch phone, wherein: when the fingerprint scanning screen is touched by a finger and the verification fingerprint cannot pass, the payment password input verification is displayed on the display screen of the network payment intelligent watch phone, the password input is inconsistent for multiple times, and the network payment intelligent watch phone is forbidden to enter the payment program.
8. The easy payment method of claim 6 adapted to a network payment smart watch phone, wherein: when the payment password input verification is displayed on the display screen of the network payment intelligent watch phone, the password verification is passed, and the display screen of the network payment intelligent watch phone directly displays a scanning of a payment treasure, a payment option of paying money or a scanning of a WeChat, a payment option of receiving payment.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810963593.XA CN110827017A (en) | 2018-08-11 | 2018-08-11 | Intelligent watch phone for network payment and simple payment method thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810963593.XA CN110827017A (en) | 2018-08-11 | 2018-08-11 | Intelligent watch phone for network payment and simple payment method thereof |
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| CN110827017A true CN110827017A (en) | 2020-02-21 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114732196A (en) * | 2021-01-08 | 2022-07-12 | 同济大学 | Finger ring and method for realizing payment |
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