CN111008833A - Payment transaction method, payment terminal and computer readable storage medium - Google Patents
Payment transaction method, payment terminal and computer readable storage medium Download PDFInfo
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention provides a payment transaction method, a payment terminal and a computer readable storage medium, wherein the method comprises the following steps: responding to a payment code opening instruction, and displaying a payment code on the payment terminal; receiving a transaction application sent for the payment code; responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal; performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment; and if the matching is successful, performing payment transaction on the transaction application. In the method, under the condition of receiving the transaction application sent by aiming at the payment code, the payment terminal confirms whether the received transaction application is legal or not by shooting the current environment image and matching the current environment image with the characteristic information in the safe payment environment, and if the received transaction application is legal, the payment transaction is carried out on the transaction application, so that the risk that the account is stolen and swiped is avoided, and the property safety of a user is ensured.
Description
Technical Field
The present invention relates to the field of payment, and in particular, to a payment transaction method, a payment terminal, and a computer-readable storage medium.
Background
With the rapid development of communication technology, payment based on a mobile terminal becomes an indispensable payment means in the current society, and people enjoy the convenience of the payment means and have the risk of being stolen and brushed.
In the process that a user opens a payment code in a terminal to wait for a collection terminal of a merchant to collect money, if other collection devices exist around a payment environment, for example, other people maliciously use a mobile phone to scan the payment code in a stealing mode or use a hidden camera to shoot the payment code in a stealing mode, the payment code can be successfully scanned and illegal deduction is carried out, and therefore property loss of the user is caused. For the hidden payment risk of the embezzled brush, no effective anti-theft measure exists at present, so that the property safety of the user is threatened.
Disclosure of Invention
The invention provides a payment transaction method, a payment terminal and a computer readable storage medium, aiming at solving the problems that the existing mobile payment means has the risk of being embezzled and the property security of a user is threatened.
In a first aspect, an embodiment of the present invention provides a payment transaction method, which is applied to a payment terminal, and the method includes:
responding to a payment code opening instruction, and displaying a payment code on the payment terminal;
receiving a transaction application sent for the payment code;
responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal;
performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment;
and if the matching is successful, performing payment transaction on the transaction application.
In a second aspect, an embodiment of the present invention provides a payment terminal, where the payment terminal includes:
the display module is used for responding to a payment code opening instruction and displaying a payment code on the payment terminal;
the receiving module is used for receiving the transaction application sent aiming at the payment code;
the response module is used for responding to the transaction application and acquiring a current environment image by using a camera of the payment terminal;
the matching module is used for performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment;
and the payment module is used for carrying out payment transaction on the transaction application if the matching is successful.
In a third aspect, an embodiment of the present invention provides an electronic device, including a processor, a memory, and a computer program stored on the memory and operable on the processor, where the computer program, when executed by the processor, implements the steps of the payment transaction method according to the first aspect.
In a fourth aspect, embodiments of the present invention provide a computer-readable storage medium on which is stored a computer program, which when executed by a processor implements the steps of the payment transaction method according to the first aspect.
The embodiment of the invention has the following beneficial effects:
in the embodiment of the invention, the payment code is displayed on the payment terminal in response to the payment code opening instruction; receiving a transaction application sent for the payment code; responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal; performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment; and if the matching is successful, performing payment transaction on the transaction application. In the method, under the condition of receiving the transaction application sent by aiming at the payment code, the payment terminal confirms whether the received transaction application is legal or not by shooting the current environment image and matching the current environment image with the characteristic information in the safe payment environment, and if the received transaction application is legal, the payment transaction is carried out on the transaction application, so that the risk that the account is stolen and swiped is avoided, and the property safety of a user is ensured.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention 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 that other drawings can be obtained according to these drawings without inventive labor.
FIG. 1 shows one of the flow diagrams of a payment transaction method provided in an embodiment of the invention;
FIG. 2 is a diagram of a secure code scanning terminal provided in an embodiment of the present invention;
FIG. 3 illustrates a second flow chart of a payment transaction method provided in an embodiment of the invention;
fig. 4 shows one of the structural block diagrams of the payment terminal provided in the embodiment of the present invention;
fig. 5 shows a second block diagram of the structure of the payment terminal provided in the embodiment of the present invention;
fig. 6 is a schematic diagram of a hardware structure of an electronic device implementing various embodiments of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. 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.
Referring to fig. 1, there is shown one of the flow charts of the payment transaction method provided in an embodiment of the present invention. The method is applied to a payment terminal, and the payment terminal described in the embodiments of the present invention may include a mobile terminal such as a mobile phone, a tablet computer, a notebook computer, a palm computer, a Personal Digital Assistant (PDA), a Portable Media Player (PMP), a navigation device, a wearable device, a smart band, a pedometer, and a fixed terminal such as a Digital TV, a desktop computer, and the like.
The payment transaction method specifically comprises the following steps:
and 101, responding to a payment code opening instruction, and displaying a payment code on the payment terminal.
In the embodiment of the invention, when a user needs to pay for a merchant by using payment software of the payment terminal, the user can open the payment code in the payment software and wait for the merchant to scan the code by using a handheld code scanning device or scan the code by using a fixed code scanning terminal close to the merchant. And after the user opens the payment code in the payment software, displaying the payment code on the payment terminal, wherein the payment code is always in an exposed state in the process that the user waits for payment. Around the payment environment, if someone uses an illegal code scanning terminal to scan the payment code in a stealing mode maliciously or uses a hidden camera to shoot the payment code and sends the payment code to the illegal code scanning terminal to scan the payment code, the payment code can be scanned successfully, so that the user can deduct money from an account under the condition of no self-knowledge, and the property loss of the user is caused, and therefore the payment transaction method is provided.
The payment code is a code or a pattern for the user to perform mobile payment, and may be a payment two-dimensional code or a payment barcode, for example.
In the traditional payment step, if the payment code is scanned by the code scanning terminal, the collection terminal corresponding to the code scanning terminal sends a transaction application to the payment system, the amount of the user account is directly transferred to a receiver account, and after the transfer, the payment system sends transfer result information to the payment terminal, namely the payment terminal displaying the payment code. The payment system is a background service system corresponding to payment software displaying payment codes, such as a payment treasure and a WeChat.
In the embodiment of the invention, after the payment code is scanned by the code scanning terminal, the collection terminal corresponding to the code scanning terminal sends the transaction application to the payment system, and at the moment, the payment system does not transfer the account, but sends the transaction application to the payment terminal, namely the payment terminal operated by the user. Accordingly, the payment terminal receives the transaction application. And 103, responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal.
And under the condition that the payment terminal receives the transaction application, in order to confirm whether the transaction application is a normal transaction application, a camera is started, and the current payment environment is photographed.
In general, if there is an illegal code scanning terminal or a hidden camera, the code scanning operation should be performed on the payment code displayed on the payment terminal in front of the display screen of the payment terminal, and therefore, in this step, it is preferable to acquire the current environment image by using the camera on the same side as the display screen displaying the payment code. Specifically, for a payment terminal with a single screen, a camera on the same side of a display screen displaying a payment code is a front camera of the payment terminal, that is, an image in front of the screen is acquired by using the front camera; for a payment terminal with multiple screens, it should be determined which screen the payment interface is located on first, and then turn on the camera corresponding to the screen to acquire the image in front of the screen.
104, performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment.
In the embodiment of the invention, because the transaction application is received from the code scanning of the code scanning terminal to the payment terminal and the image is shot, the time delay in the middle is short, so that the current environment image shot by the payment terminal can be considered as the environment image around the payment terminal when the code scanning of the code scanning terminal is carried out. Therefore, whether the received transaction application is a normal transaction application can be confirmed by judging whether the current environment image is a secure environment.
First, the payment terminal needs to have preset reference feature information, which may be feature information of a secure payment environment, that is, features of an object existing in the secure payment environment. A large amount of key characteristic information can be extracted by sampling a safety payment scene, and the key characteristic information is input into the system to serve as the characteristic information of the safety payment environment.
Optionally, the reference feature information includes: at least one of a handheld code scanning device with a cable, a code scanning platform card and a code scanning box.
In the embodiment of the invention, a normal merchant code scanning terminal is a handheld code scanning device connected with an intelligent POS machine through a cable, or a code scanning platform card or a code scanning box for aggregated payment of payment treasures, WeChat and the like. The user places the payment code in the code scanning area of the code scanning terminal, and the code scanning terminal can quickly read the payment code to realize code scanning payment. Therefore, the reference feature information includes the code scanning terminal.
Referring to fig. 2, a schematic diagram of a secure code scanning terminal in an embodiment of the present invention is shown. As shown in S1 in fig. 2, is a code scanning card for placing on a cashier desk; as shown in S2 in fig. 2, the device is a handheld code scanning device connected with the POS machine through a cable; as shown at S3 in fig. 2, is a code scanning box placed on the checkout counter. The objects included in the current environment image can be identified, if any one of the objects is included, the payment terminal is facing a safe code scanning terminal, and the currently received transaction application is a transaction application sent by the safe code scanning terminal, so that the safety of the current payment environment is further confirmed.
Of course, the reference feature information may also include a cashier wearing a work clothes, a cashier counter, a cashier computer, and the like, and the object specifically included in the reference feature information may be set according to an actual situation, which is not specifically limited in the embodiment of the present invention.
And 105, if the matching is successful, performing payment transaction on the transaction application.
In the embodiment of the invention, if the current environment image is successfully matched with the preset reference characteristic information, the current payment environment is confirmed to be a safe payment environment, and the payment terminal can apply for payment transaction.
Specifically, the payment terminal may accept the transaction application and agree to transfer the amount of the user account to the payee account.
In summary, in the embodiment of the present invention, in response to a payment code opening instruction, a payment code is displayed on the payment terminal; receiving a transaction application sent for the payment code; responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal; performing characteristic matching on the characteristic information of the current environment image and preset reference characteristic information, wherein the reference characteristic information is characteristic information of a safe payment environment; and if the matching is successful, performing payment transaction on the transaction application. In the method, under the condition of receiving the transaction application sent by aiming at the payment code, the payment terminal confirms whether the received transaction application is legal or not by shooting the current environment image and matching the current environment image with the characteristic information in the safe payment environment, and if the received transaction application is legal, the payment transaction is carried out on the transaction application, so that the risk that the account is stolen and swiped is avoided, and the property safety of a user is ensured.
Referring to fig. 3, a second flowchart of a payment transaction method provided in the embodiment of the present invention is shown, where the method is applied to an electronic device, and specifically may include the following steps.
In the embodiment of the present invention, step 201 may refer to step 101, which is not described herein again.
In the embodiment of the present invention, step 202 may refer to step 102, which is not described herein again. And step 203, responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal.
In the embodiment of the present invention, step 203 may refer to step 103, which is not described herein again.
And 204, extracting the characteristic information of the target object from the current environment image to obtain the current characteristic information.
In the embodiment of the invention, the target object can be identified from the current environment image through an image identification technology, and then the information of the target object is extracted as the current characteristic information. For example, when a plurality of target objects such as a human body, a bag, a backpack, and a mobile phone, which are worn differently, are recognized from the current environment image, key information representing the objects, for example, a plurality of pieces of human leg information, foot information, human clothing information, bag strap information of the bag, and mobile phone frame information, is extracted from the target objects, and the extracted information is used as current feature information.
And step 205, matching the current characteristic information with preset reference characteristic information to obtain a matching degree parameter.
In the embodiment of the invention, the extracted current characteristic information is matched with the reference characteristic information to obtain the matching degree parameter. Specifically, the weights of different pieces of feature information in the reference feature information may be set in advance according to the occurrence probabilities of the different pieces of feature information in the secure payment environment. For example, if the reference characteristic information is: the handheld code scanning equipment, the code scanning desk card, the code scanning box, the cashier wearing the work clothes, the cashier counter and the cashier computer with the cable are provided with the normal code scanning payment environment, and the safe payment environment can be determined as long as the corresponding items are provided. A handheld code scanning device with a cable, a code scanning platform card, a code scanning box and other code scanning terminals can be set as first-class features, and any feature weight in the first-class features is set to be 0.4; other objects in the normal code scanning environment such as a cashier wearing a work clothes, a cashier counter, a cashier computer and the like can be set as the second type of characteristics, and the weight of the second type of characteristics is set to be 0.3.
Then, in the matching process, a base score is given to the current characteristic information according to whether the current characteristic information exists in the reference characteristic information; during calculation, if some current characteristic information exists in the reference characteristic information, the basis of the current characteristic information is divided into 1, and the basis of the current characteristic information is multiplied by the weight to obtain a weighted score of the current characteristic information; if the current characteristic information does not exist in the reference characteristic information, the basis of the current characteristic information is divided into 0, the basis of the current characteristic information is multiplied by the weight, and the weighted score of the current characteristic information is also 0; and finally, adding the weighted scores of all the current characteristic information to obtain a matching degree parameter.
Specifically, the calculation formula of the matching degree parameter P is:
P＝A1*λ1+A2*λ2+……+An*λn(n is a natural number) (formula 1)
Wherein A is1～AnRepresenting current characteristic information, λ1～λnAnd representing the weight corresponding to the current characteristic information.
In general, if any object in the first class of features and any object in the second class of features are simultaneously provided in the payment environment, the matching degree parameter is 1 × 0.4+1 × 0.3 — 0.7, and the payment environment can be regarded as a secure payment environment.
The current feature information in step 204 is: matching the leg information, the foot information, the clothing information, the bag belt information of the satchel, and the frame information of the mobile phone with the reference characteristic information to obtain that all current characteristic information does not exist in the reference characteristic information, the basis of all current characteristic information is 0, the weighting score is 0, and the matching degree parameter is 0.
In the embodiment of the present invention, after the current feature information is matched with the preset reference feature information in step 205, if the matching is successful, step 206 is executed, and if the matching is unsuccessful, steps 207 to 209 are executed.
And step 206, if the matching degree parameter is greater than or equal to a preset threshold value, performing payment transaction on the transaction application.
In the embodiment of the present invention, a threshold may be preset, and if the matching degree parameter is greater than or equal to the threshold, the matching is successful. For example, if the matching degree parameter is up to 1, the threshold value is set to 0.7 according to the experimental data, and if the matching degree parameter is greater than or equal to 0.7, it is determined that the matching is successful. If the matching is successful, the payment environment is safe, and the transaction application received by the payment terminal is the transaction application sent by the normal collection terminal, so that the transaction application can be allowed, and the transfer operation is allowed.
In the embodiment of the invention, if the matching degree parameter is smaller than the preset threshold value, the matching is unsuccessful. For example, in step 205, the matching degree parameter is 0, indicating that the matching is not successful.
According to the current feature information in step 204: the system comprises a plurality of character legs, foot information, character clothes information, bag strap information of a satchel and mobile phone frame information, wherein the bag strap information of the satchel, the mobile phone frame information and current environment images acquired by a camera are very likely to be a group of people who are queuing for payment according to the plurality of character legs and foot information, and the character legs and the foot information indicate that a payment terminal of a user is positioned at the lower part of the user and indicate that the user does not perform the operation of placing the payment terminal right in front of the body for normal code scanning, so that the payment code displayed on the payment terminal is probably scanned by an illegal code scanning terminal or a hidden camera in the queued group, and a transaction application received by the payment terminal is probably an illegal transaction application sent by an illegal money receiving terminal. Therefore, if the matching is unsuccessful, the payment terminal refuses to carry out payment transaction on the transaction application.
In the embodiment of the invention, after the payment code is scanned by the code scanning terminal, the collection terminal corresponding to the code scanning terminal sends the transaction application to the payment system, and at the moment, the payment system sends the transaction application to the payment terminal, namely the payment terminal operated by the user. After the payment terminal judges that the payment environment is unsafe and refuses to apply for payment transaction, prompt information for terminating transaction can be sent to the payment system, and the specific content of the prompt information can be as follows: and judging that the transaction is unsafe and rejecting the transaction. Therefore, after receiving the prompt message, the payment system can terminate the transaction behavior and continuously track the specific payee involved in the unsafe transaction, so as to facilitate the subsequent processing of the illegal payee.
In the embodiment of the invention, after the condition that the transaction environment is unsafe is confirmed, in order to prevent the payment code from being obtained again by an illegal code scanning terminal or a hidden camera, the payment code can be shielded. For example, a mosaic may be added to the pay code. Meanwhile, a reminding message of payment environment abnormity can be sent on the payment terminal to remind a user that the current payment environment is abnormal and property safety needs to be paid attention.
In summary, the payment transaction method provided in the embodiment of the present invention has the beneficial effects of the payment transaction method in fig. 1, and also matches the current characteristic information with the preset reference characteristic information, and determines whether the payment environment is safe according to the matching degree parameter, and this determination method is fast and has high accuracy; in addition, under the condition that the payment environment is judged to be unsafe, prompt information for ending the transaction is sent to the payment system initiating the transaction application, so that the payment system can track the specific payee involved in the unsafe transaction, and the subsequent processing of the illegal payee is facilitated; in addition, under the condition that the payment environment is judged to be unsafe, the payment code is shielded, and a reminding message of the abnormity of the payment environment is sent to the user, so that the payment code can be prevented from being acquired by an illegal payment terminal again, the user can know that the abnormity exists in the current payment environment, and the user is reminded of paying attention to property safety.
Referring to fig. 4, which is one of the structural block diagrams of the payment terminal provided in the embodiment of the present invention, the payment terminal 300 may specifically include:
the display module 301 is configured to display a payment code on the payment terminal in response to a payment code opening instruction;
a receiving module 302, configured to receive a transaction application sent for the payment code;
a response module 303, configured to, in response to the transaction application, obtain a current environment image by using a camera of the payment terminal;
a matching module 304, configured to perform feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment;
and the payment module 305 is configured to perform a payment transaction for the transaction application if the matching is successful.
The payment terminal provided by the embodiment of the present invention can implement each process implemented in the method embodiment of fig. 1, and is not described herein again to avoid repetition.
In this way, the payment terminal provided by the embodiment of the invention responds to the payment code opening instruction, and displays the payment code on the payment terminal; receiving a transaction application sent for the payment code; responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal; performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment; and if the matching is successful, performing payment transaction on the transaction application. In the method, under the condition of receiving the transaction application sent by aiming at the payment code, the payment terminal confirms whether the received transaction application is legal or not by shooting the current environment image and matching the current environment image with the characteristic information in the safe payment environment, and if the received transaction application is legal, the payment transaction is carried out on the transaction application, so that the risk that the account is stolen and swiped is avoided, and the property safety of a user is ensured.
Referring to fig. 5, on the basis of fig. 4, a second structural block diagram of the payment terminal according to the embodiment of the present invention is shown, wherein the matching module 304 includes:
an extracting submodule 3041, configured to extract feature information of a target object from the current environment image, so as to obtain current feature information;
a matching sub-module 3042, configured to match the current feature information with preset reference feature information, so as to obtain a matching degree parameter;
the payment module 305 includes:
the payment sub-module 3051, configured to, if the matching degree parameter is greater than or equal to a preset threshold, apply for the transaction to perform a payment transaction.
The payment terminal 300 includes:
a refusal module 306, configured to refuse to perform a payment transaction for the transaction application if the matching is unsuccessful;
a sending module 307, configured to send a prompt message for terminating the transaction to the payment system initiating the transaction application.
The payment terminal 300 further includes:
the shielding module 308 is used for shielding the payment code; and/or sending a reminding message of the payment environment abnormity.
Optionally, in the payment terminal 300, the reference feature information includes: at least one of a handheld code scanning device with a cable, a polymerization card and a code scanning box.
The payment terminal provided by the embodiment of the present invention can implement each process implemented in the method embodiment of fig. 3, and is not described herein again to avoid repetition.
The electronic equipment disclosed by the embodiment of the invention has the beneficial effects of the payment terminal in the figure 4, also matches the current characteristic information with the preset reference characteristic information, and judges whether the payment environment is safe or not according to the matching degree parameter, wherein the judging mode is quick and has high accuracy; in addition, under the condition that the payment environment is judged to be unsafe, prompt information for ending the transaction is sent to the payment system initiating the transaction application, so that the payment system can track the specific payee involved in the unsafe transaction, and the subsequent processing of the illegal payee is facilitated; in addition, under the condition that the payment environment is judged to be unsafe, the payment code is shielded, and a reminding message of the abnormity of the payment environment is sent to the user, so that the payment code can be prevented from being acquired by an illegal payment terminal again, the user can know that the abnormity exists in the current payment environment, and the user is reminded of paying attention to property safety.
Fig. 6 is a schematic diagram of a hardware structure of an electronic device in which various embodiments of the present invention are implemented.
The electronic device 400 includes, but is not limited to: radio frequency unit 401, network module 402, sound output unit 403, input unit 404, sensor 405, display unit 406, user input unit 407, interface unit 408, memory 409, processor 410, and power supply 411. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 6 does not constitute a limitation of the electronic device, and that the electronic device may include more or fewer components than shown, or some components may be combined, or a different arrangement of components. In the embodiment of the present invention, the electronic device includes, but is not limited to, a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal, a wearable device, a pedometer, and the like.
Wherein the content of the first and second substances,
the control display unit 406 responds to a payment code opening instruction, and displays a payment code on the payment terminal;
the radio frequency unit 401 receives a transaction application sent by aiming at the payment code;
the processor 410 responds to the transaction application, and acquires a current environment image by using a camera of the payment terminal;
the processor 410 performs feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment;
if the matching is successful, the processor 410 applies for the transaction to perform a payment transaction.
In the embodiment of the invention, the payment code is displayed on the payment terminal in response to the payment code opening instruction; receiving a transaction application sent for the payment code; responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal; performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment; and if the matching is successful, performing payment transaction on the transaction application. In the method, under the condition of receiving the transaction application sent by aiming at the payment code, the mobile terminal confirms whether the received transaction application is legal or not by shooting the current environment image and matching the current environment image with the characteristic information in the safe payment environment, and if the received transaction application is legal, the payment transaction is carried out on the transaction application, so that the risk that the account is stolen and swiped is avoided, and the property safety of a user is ensured.
It should be understood that, in the embodiment of the present invention, the radio frequency unit 401 may be used for receiving and sending signals during a message sending and receiving process or a call process, and specifically, receives downlink data from a base station and then processes the received downlink data to the processor 410; in addition, the uplink data is transmitted to the base station. Typically, radio unit 401 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. Further, the radio unit 401 can also communicate with a network and other devices through a wireless communication system.
The electronic device provides wireless broadband internet access to the user via the network module 402, such as assisting the user in sending and receiving e-mails, browsing web pages, and accessing streaming media.
The sound output unit 403 may convert sound data received by the radio frequency unit 401 or the network module 402 or stored in the memory 409 into a sound signal and output as sound. Also, the sound output unit 403 may also provide sound output related to a specific function performed by the electronic apparatus 400 (e.g., a call signal reception sound, a message reception sound, etc.). The sound output unit 403 includes a speaker, a buzzer, a receiver, and the like.
The input unit 404 is used to receive a sound or video signal. The input Unit 404 may include a Graphics Processing Unit (GPU) 4041 and a microphone 4042, and the Graphics processor 4041 processes image data of a still picture or video obtained by an image capturing apparatus (such as a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 406. The image frames processed by the graphic processor 4041 may be stored in the memory 409 (or other storage medium) or transmitted via the radio frequency unit 401 or the network module 402. The microphone 4042 may receive sound, and may be capable of processing such sound into sound data. The processed voice data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 401 in case of the phone call mode.
The electronic device 400 also includes at least one sensor 405, such as light sensors, motion sensors, and other sensors. Specifically, the light sensor includes an ambient light sensor that adjusts the brightness of the display panel 4061 according to the brightness of ambient light, and a proximity sensor that turns off the display panel 4061 or backlight when the electronic apparatus 400 is moved to the ear. As one type of motion sensor, an accelerometer sensor can detect the magnitude of acceleration in each direction (generally three axes), detect the magnitude and direction of gravity when stationary, and can be used to identify the posture of an electronic device (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), and vibration identification related functions (such as pedometer, tapping); the sensors 405 may also include a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, etc., which will not be described in detail herein.
The display unit 406 is used to display information input by the user or information provided to the user. The Display unit 406 may include a Display panel 4061, and the Display panel 4061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.
The user input unit 407 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic device. Specifically, the user input unit 407 includes a touch panel 4071 and other input devices 4072. Touch panel 4071, also referred to as a touch screen, may collect touch operations by a user on or near it (e.g., operations by a user on or near touch panel 4071 using a finger, a stylus, or any suitable object or attachment). The touch panel 4071 may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 410, receives a command from the processor 410, and executes the command. In addition, the touch panel 4071 can be implemented by using various types such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 4071, the user input unit 407 may include other input devices 4072. Specifically, the other input devices 4072 may include, but are not limited to, a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a track ball, a mouse, and a joystick, which are not described herein again.
Further, the touch panel 4071 can be overlaid on the display panel 4061, and when the touch panel 4071 detects a touch operation thereon or nearby, the touch operation is transmitted to the processor 410 to determine the type of the touch event, and then the processor 410 provides a corresponding visual output on the display panel 4061 according to the type of the touch event. Although in fig. 6, the touch panel 4071 and the display panel 4061 are two independent components to implement the input and output functions of the electronic device, in some embodiments, the touch panel 4071 and the display panel 4061 may be integrated to implement the input and output functions of the electronic device, and this is not limited herein.
The interface unit 408 is an interface for connecting an external device to the electronic apparatus 400. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, a sound input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 408 may be used to receive input (e.g., data information, power, etc.) from an external device and transmit the received input to one or more elements within the electronic apparatus 400 or may be used to transmit data between the electronic apparatus 400 and an external device.
The memory 409 may be used to store software programs as well as various data. The memory 409 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as voice data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 409 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The processor 410 is a control center of the electronic device, connects various parts of the entire electronic device using various interfaces and lines, performs various functions of the electronic device and processes data by operating or executing software programs or modules stored in the memory 409 and calling data stored in the memory 409, thereby integrally monitoring the electronic device. Processor 410 may include one or more processing units; preferably, the processor 410 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.
The electronic device 400 may further include a power supply 411 (e.g., a battery) for supplying power to various components, and preferably, the power supply 411 may be logically connected to the processor 410 through a power management system, so as to implement functions of managing charging, discharging, and power consumption through the power management system.
In addition, the electronic device 400 includes some functional modules that are not shown, and are not described in detail herein.
Preferably, an embodiment of the present invention further provides an electronic device, which includes a processor 410, a memory 409, and a computer program that is stored in the memory 409 and can be run on the processor 410, and when the computer program is executed by the processor 410, the processes of the display method embodiment are implemented, and the same technical effect can be achieved, and in order to avoid repetition, details are not described here again.
Based on the hardware structure of the electronic device, the embodiments of the present invention will be described in detail below.
The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the display method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (12)
1. A payment transaction method is applied to a payment terminal, and is characterized in that the method comprises the following steps:
responding to a payment code opening instruction, and displaying a payment code on the payment terminal;
receiving a transaction application sent for the payment code;
responding to the transaction application, and acquiring a current environment image by using a camera of the payment terminal;
performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment;
and if the matching is successful, performing payment transaction on the transaction application.
2. The method according to claim 1, wherein the performing feature matching on the feature information of the current environment image with preset reference feature information comprises:
extracting characteristic information of a target object from the current environment image to obtain current characteristic information;
matching the current characteristic information with preset reference characteristic information to obtain a matching degree parameter;
if the matching is successful, performing payment transaction on the transaction application, including:
and if the matching degree parameter is greater than or equal to a preset threshold value, performing payment transaction on the transaction application.
3. The method according to claim 1, wherein after the feature information of the current environment image is feature-matched with preset reference feature information, the method comprises:
if the matching is unsuccessful, refusing to carry out payment transaction on the transaction application;
and sending prompt information for ending the transaction to a payment system initiating the transaction application.
4. The method of claim 3, further comprising, after sending a prompt to terminate the transaction to a payment system that initiated the transaction application:
carrying out shielding processing on the payment code; and/or sending a reminding message of the payment environment abnormity.
5. The method of claim 1, wherein the reference feature information comprises: at least one of a handheld code scanning device with a cable, a polymerization card and a code scanning box.
6. A payment terminal, characterized in that the payment terminal comprises:
the display module is used for responding to a payment code opening instruction and displaying a payment code on the payment terminal;
the receiving module is used for receiving the transaction application sent aiming at the payment code;
the response module is used for responding to the transaction application and acquiring a current environment image by using a camera of the payment terminal;
the matching module is used for performing feature matching on the feature information of the current environment image and preset reference feature information; the reference characteristic information is characteristic information of a secure payment environment;
and the payment module is used for carrying out payment transaction on the transaction application if the matching is successful.
7. The payment terminal of claim 6, wherein the matching module comprises:
the extraction submodule is used for extracting the characteristic information of the target object from the current environment image to obtain current characteristic information;
the matching sub-module is used for matching the current characteristic information with preset reference characteristic information to obtain a matching degree parameter;
the payment module, comprising:
and the payment sub-module is used for carrying out payment transaction on the transaction application if the matching degree parameter is greater than or equal to a preset threshold value.
8. The payment terminal of claim 6, wherein the payment terminal comprises:
the rejecting module is used for rejecting the payment transaction of the transaction application if the matching is unsuccessful;
and the sending module is used for sending prompt information for ending the transaction to a payment system initiating the transaction application.
9. The payment terminal of claim 8, wherein the payment terminal further comprises:
the shielding module is used for shielding the payment code; and/or sending a reminding message of the payment environment abnormity.
10. The payment terminal of claim 6, wherein the reference characteristic information comprises: at least one of a handheld code scanning device with a cable, a polymerization card and a code scanning box.
11. An electronic device comprising a processor, a memory and a computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing the steps of the payment transaction method of any one of claims 1-5.
12. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, carries out the steps of the payment transaction method of any one of claims 1-5.
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| CN201911205896.6A CN111008833A (en) | 2019-11-29 | 2019-11-29 | Payment transaction method, payment terminal and computer readable storage medium |
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| CN201911205896.6A CN111008833A (en) | 2019-11-29 | 2019-11-29 | Payment transaction method, payment terminal and computer readable storage medium |
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