CN111445227A - Payment method, payment device, electronic equipment and storage medium - Google Patents
Payment method, payment device, electronic equipment and storage medium Download PDFInfo
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- CN111445227A CN111445227A CN202010235880.6A CN202010235880A CN111445227A CN 111445227 A CN111445227 A CN 111445227A CN 202010235880 A CN202010235880 A CN 202010235880A CN 111445227 A CN111445227 A CN 111445227A
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- 238000000034 method Methods 0.000 title claims abstract description 49
- 238000003860 storage Methods 0.000 title claims abstract description 18
- 238000003825 pressing Methods 0.000 claims description 13
- 238000012795 verification Methods 0.000 claims description 8
- 238000004590 computer program Methods 0.000 claims description 7
- 238000012545 processing Methods 0.000 description 7
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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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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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Abstract
The embodiment of the invention discloses a payment method, a payment device, electronic equipment and a storage medium. The method is applied to the electronic equipment and comprises the following steps: when a payment triggering event is detected, acquiring payment identification information matched with the payment triggering event; displaying the payment identification information through a payment interface so that a payment device receives payment by scanning the payment identification information; the payment interface is located on the back of the electronic equipment, and the payment interface is an independent display interface different from a display interface on the front of the electronic equipment. The embodiment of the invention can reduce the complexity of the payment operation and improve the payment efficiency.
Description
Technical Field
The embodiment of the invention relates to the field of data processing, in particular to a payment method, a payment device, electronic equipment and a storage medium.
Background
With the development of science and technology and networks, electronic payment provides paperless payment for people, brings great convenience and rapidness, and almost all living requirements that people can consume shopping, sit in a car and watch movies and the like only by taking a mobile phone when going out.
At present, some application programs can provide a mode that a payee scans a user payment two-dimensional code to realize quick payment in order to facilitate user payment.
In the prior art, the method for the payer to provide the payment two-dimensional code for the payee to scan is generally as follows: the user unlocks the mobile phone screen firstly, then enters the corresponding application program, then jumps to the payment page, and displays the payment two-dimensional code, so that the operation steps are complex, and the payment efficiency is low.
Disclosure of Invention
The embodiment of the invention provides a payment method, a payment device, electronic equipment and a storage medium, which can reduce the complexity of payment operation and improve the payment efficiency.
In a first aspect, an embodiment of the present invention provides a payment method applied to an electronic device, including:
when a payment triggering event is detected, acquiring payment identification information matched with the payment triggering event;
displaying the payment identification information through a payment interface so that a payment device receives payment by scanning the payment identification information;
the payment interface is located on the back of the electronic equipment, and the payment interface is an independent display interface different from a display interface on the front of the electronic equipment.
Optionally, the detecting of the payment triggering event includes: when the display interface is in the screen-off state or the screen-locking state and the trigger operation is detected, performing identity authentication on the user; determining that a payment triggering event is detected if the user identity verification passes; the trigger operation comprises a trigger action and a trigger area, and the trigger action comprises one or more of a gesture action, a click action and a pressing action.
Optionally, when the trigger operation is detected, performing identity authentication on the user includes: when the pressing operation is detected in the trigger area, acquiring hand texture information matched with the pressing operation; and performing identity authentication on the user according to the hand texture information.
Optionally, before obtaining the payment identification information matched with the payment trigger event, the method further includes: acquiring at least one payment application account; acquiring input information of the user aiming at each payment application account; acquiring input information of the user aiming at each payment application account; constructing a corresponding relation between a trigger operation and a payment application account according to the input information of the user; the acquiring of the payment identification information matched with the payment triggering event includes: inquiring a target payment application account corresponding to a preset trigger operation according to the corresponding relation between the trigger operation and the payment application account; and obtaining payment identification information associated with the target payment application account as payment identification information matched with the payment triggering event.
Optionally, the obtaining at least one payment application account includes: and obtaining payment application accounts associated with at least two payment applications.
Optionally, the displaying the payment identification information through the payment interface includes: and displaying the payment identification information in preset time through a payment interface.
Optionally, before obtaining the payment identification information matched with the payment trigger event, the method further includes: sending payment limiting information of a target payment application account to a server, wherein the payment limiting information is used for judging whether the target payment application account is paid successfully or not by the server; after the payment identification information is displayed through a payment interface, the method further comprises the following steps: and receiving a payment result sent by the server, displaying the payment result through the display interface, and determining the payment result through the server according to the payment limit information and the payment identification information.
In a second aspect, an embodiment of the present invention provides a payment apparatus configured in an electronic device, including:
the payment identification information acquisition module is used for acquiring payment identification information matched with a payment trigger event when the payment trigger event is detected;
the payment identification information back display module is used for displaying the payment identification information through a payment interface so that a money receiving device can receive money by scanning the payment identification information; the payment interface is located on the back of the electronic equipment, and the payment interface is an independent display interface different from a display interface on the front of the electronic equipment.
In a third aspect, an embodiment of the present invention further provides an electronic device, including a memory, a processor, and a computer program stored on the memory and operable on the processor, where the processor executes the computer program to implement the payment method according to any one of the embodiments of the present invention.
In a fourth aspect, the embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the payment method according to any one of the embodiments of the present invention.
According to the embodiment of the invention, when the payment triggering event is detected, the payment identification information is obtained and is directly displayed by the payment interface on the back of the electronic equipment, so that the problem of low payment efficiency caused by the fact that a user can display the payment identification information through a plurality of complicated steps in the prior art is solved, the payment identification information can be rapidly displayed, meanwhile, the display is directly performed on the back of the electronic equipment, the turning step of displaying the payment identification information through the display interface on the front of the electronic equipment can be omitted, the payment speed is further accelerated, and the payment efficiency is improved.
Drawings
FIG. 1a is a flow chart of a payment method in one embodiment of the invention;
FIG. 1b is a left side view of an electronic device in one embodiment of the invention;
FIG. 1c is a rear view of an electronic device in one embodiment of the invention;
FIG. 2 is a flow diagram of a payment method in another embodiment of the invention;
FIG. 3 is a schematic diagram of a payment device in one embodiment of the invention;
fig. 4 is a schematic structural diagram of an electronic device in an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
In an embodiment, as shown in fig. 1a, a flowchart of a payment method is provided, where the method is applicable to a situation where an electronic device rapidly displays payment identification information to enable a payment receiving device to scan and complete a payment transaction, and the method may be executed by a payment apparatus provided in an embodiment of the present invention, where the apparatus may be implemented in a software and/or hardware manner, and may be generally integrated into an electronic device, for example, a terminal device may include a mobile terminal, and specifically may be a mobile phone, a tablet computer, a notebook computer, or a vehicle-mounted terminal. The embodiment is described by taking an example that the method is applied to an electronic device, and specifically includes the following steps:
s110, when the payment triggering event is detected, acquiring payment identification information matched with the payment triggering event.
The payment triggering event is used for triggering the electronic equipment to display the payment identification information through the payment interface. In fact, the user can still display the payment identification information through the steps of normally unlocking the display interface, opening the payment application, jumping to the display page of the payment identification information of the payment application, and the like. The payment triggering event is dedicated to triggering display of payment identification information at the back of the electronic device. Specifically, the payment trigger event may be configured by a holding user of the electronic device, for example, a specific fingerprint or a swipe gesture may be configured, and the embodiment of the present invention is not limited in this respect.
The payment identification information is used for providing to the payment apparatus to complete the payment operation, and may specifically include a barcode, a two-dimensional code, or a payment code number. The payment identification information may refer to current payment identification information of a payment account of the payment application, specifically, the payment identification information corresponding to different payment applications is different, the payment identification information corresponding to different payment accounts is different, and the payment identification information corresponding to different transactions at different times or in different rounds is different.
In addition, the payment identification information may further include payment method information, where the payment method information is used to determine a display method of the payment identification information, and is specifically different from the display method of displaying the payment identification information through the display interface. That is, the payment identification information displayed through the payment interface is different from the payment identification information displayed through the display interface, and may be specifically determined by a display mode in the payment identification information.
Specifically, when the electronic device detects the trigger operation, the electronic device starts the payment application, sends an acquisition request of the payment identification information to the server through a payment application account number logged in by the payment application, and receives a feedback result of the server to acquire the payment identification information.
Optionally, detecting the payment triggering event comprises at least one of: when the display interface is in the screen-off state or the screen-locking state and the trigger operation is detected, carrying out identity verification on the user; if the user identity authentication is passed, determining that a payment triggering event is detected; the trigger operation comprises a trigger action and a trigger area, and the trigger action comprises at least one of the following items: gesture actions, click actions, and press actions.
When the display interface of the electronic device is in the screen-off state or the screen-locking state, it may mean that the display interface of the electronic device does not enter the user interface, that is, the display interface cannot currently display the payment application, and the electronic device cannot respond to the user operation to run the payment application. The screen-off state may refer to a state in which a display interface of the electronic device is in a black screen and no content is displayed on the display interface. The screen locking state may refer to a state in which a display interface of the electronic device is in a state of locking a part of functions of the electronic device to protect data security of the electronic device.
Generally, the display interface of the electronic device is in a screen-off state or a screen-locking state, and the electronic device is in a standby state. The trigger operation is used for activating the electronic equipment and authenticating a holding user of the electronic equipment. Generally, an electronic device detects an input operation of a user, and determines whether the input operation of the user is consistent with a preset input operation, and if so, the electronic device determines the input operation as a trigger operation. Specifically, the trigger operation may refer to a trigger action made in a trigger area, and specifically, the trigger area may be any area designated on the electronic device, for example, the trigger area may be located in the display interface, and may also be located in an area other than the payment interface on the back of the electronic device. The trigger action may be any action that is specified to be made with respect to the electronic device. In particular, the trigger action may include a gesture action, a click action, and a press action. The gesture motion may refer to a motion of a hand sliding, for example, if a sliding track of the gesture motion of the user detected in the trigger area is the same as a standard sliding track, it is determined that the trigger operation is detected. The click action may refer to an action of rapidly lifting up after the hand touches the motor device, and for example, if the frequency of the click action of the user detected in the trigger area is the same as the standard frequency, it is determined that the trigger operation is detected. The pressing action may refer to an action of touching the electronic device by a hand within a set time, for example, if the click action of the user is detected in the trigger area for the same duration as the time, it is determined that the trigger operation is detected.
The identity authentication is used for the electronic equipment to authenticate whether the user displaying the payment authentication information is a legal user, specifically, to authenticate whether the identity of the user is consistent with a preset identity. The valid user may refer to a holding user of the electronic device. Specifically, the identity authentication may be performed through at least one of text, image, audio, video and the like, for example, inputting a sentence, face recognition, voice recognition, living body detection and the like, and specifically, the identity authentication may be set according to an actual situation, which is not limited in the embodiment of the present invention. Comparing the acquired data with preset data, and if the acquired data is consistent with the preset data, determining that the identity authentication is passed; otherwise, the authentication is determined to fail.
And when the user identity passes the verification, the user is a legal user, and the electronic equipment determines that the payment triggering event is detected, so that the electronic equipment displays the payment identification information to perform subsequent payment operation.
The electronic equipment detects the trigger operation when the display interface of the electronic equipment is in the screen off state or the screen locking state, and carries out authentication on a user when the trigger operation is detected, and the electronic equipment determines that a payment trigger event is detected only when the authentication passes, so that the payment identification information can be displayed by the complicated operation of the display interface, the display steps of the payment identification information are reduced, meanwhile, the safety of the payment identification information can be improved only when the authentication passes through the display of the payment identification information by the electronic equipment, and the payment safety is ensured.
S120, displaying the payment identification information through the payment interface so that the collection equipment collects money through scanning the payment identification information; the payment interface is located on the back of the electronic device and is an independent display interface different from a display interface on the front of the electronic device.
The payment interface is located on the back of the electronic device and the display interface is located on the front of the electronic device. That is, the display interface and the payment interface are respectively located on the front side and the rear side of the electronic device. The payment interface and the display interface are independent from each other, the display contents are not interfered with each other, and the payment interface and the display interface can be independently set by a processor of the electronic equipment. Illustratively, fig. 1b provides a left side view of the electronic device 100, as shown in fig. 1b, the payment interface 101 is located on the back of the electronic device 100, the display interface 102 is located on the front of the electronic device 100, and the payment interface 101 and the display interface 102 are independent from each other. Fig. 1c provides a rear view of the electronic device 100, wherein the payment interface 101 is located at a middle position on the back of the electronic device 100, the payment interface 101 is rectangular, fig. 1c only shows the shape, position and size of the payment interface 101 by way of example, the payment interface 101 may also be located at the bottom or top of the electronic device 100, the shape of the payment interface 101 may also be circular or triangular, and the like, for which the shape, position and size may be set according to practical situations, and the embodiment of the present invention is not particularly limited.
Specifically, the payment interface of the electronic device is used for displaying the payment identification information and may also display other content, which is not limited in the embodiments of the present invention. In addition, the payment interface may also be used only to display payment identification information.
Specifically, the display function of the payment interface can be set according to the actual situation. Correspondingly, different materials can be correspondingly adopted to manufacture the payment interface of the electronic equipment according to different display functions. The structure of a common interface includes a display screen, a backlight module, a light source, a driving circuit, and the like. The payment interface can be made of materials different from those of the display interface, for example, the display screen is made of different materials, the backlight module is made of different materials, the light source is made of different materials, and the like. The payment interface can be made of materials with low cost, and the cost of displaying the payment identification information on the back of the electronic equipment is reduced. For example, the display interface needs to display various contents in high definition and color, and the payment interface may display the payment identification contents in low definition and black and white.
In a specific example, a light Emitting Diode (L light Emitting Diode, L ED) display screen can be used as the payment interface, so that the power consumption of the payment interface for displaying the payment identification information can be reduced.
The electronic equipment displays payment identification information through the payment interface, specifically, the display content of the display screen is configured through a processor in the electronic equipment to be the payment identification information, the driving circuit is controlled to drive the lightening light source, and light is guided to the display screen through the backlight module so that the display content on the display screen is displayed. In addition, other display modes are also possible, and the embodiment of the present invention is not particularly limited.
The payment receiving device can be an electronic device with an image acquisition device, and is used for scanning a payment interface to obtain payment identification information and performing payment processing on the transaction according to the payment identification information, specifically, the payment identification information and the input payment amount are sent to a server, so that the server determines transaction information according to the payment identification information and the payment amount and performs transfer processing on a payment application account matched with the payment identification information. In fact, the payment apparatus and the electronic device implementing the payment method provided by any of the embodiments of the present invention are independent of each other.
Optionally, displaying payment identification information through a payment interface includes: and displaying the payment identification information in the preset time through the payment interface.
The preset time is used for limiting the display time of the payment identification information on the payment interface. Specifically, the electronic device controls the payment interface to display the payment identification information within a preset time, and if the preset time is exceeded, the electronic device controls the payment interface to stop displaying the payment identification information. By configuring the display time of the payment interface for the payment identification information, the condition that the payment identification information is displayed for a long time so as to be stolen and brushed by other people can be reduced, and therefore the safety of displaying the payment identification information on the payment interface is improved.
Optionally, before obtaining the payment identification information matched with the payment trigger event, the method further includes: acquiring at least one payment application account; acquiring input information of a user aiming at each payment application account; according to the input information of the user, constructing a corresponding relation between the trigger operation and the payment application account; acquiring payment identification information matched with a payment triggering event, wherein the acquisition comprises the following steps: inquiring a target payment application account corresponding to the trigger operation according to the corresponding relation between the preset trigger operation and the payment application account; and obtaining payment identification information associated with the target payment application account as payment identification information matched with the payment triggering event.
Generally, one payment application in the electronic device may be associated with a plurality of payment application accounts, and one payment application account is associated with a plurality of payment identification information. One payment identification information can only determine one payment application account, and one payment application account can only determine one payment application.
And the payment application in the electronic equipment is used for interacting with the matched server to complete transaction operation. For example, the payment application completes the transaction operation by registering a payment application account with the server and interacting with the server upon logging into the payment application account. It should be noted that, generally, only one payment application account is logged in by one payment application currently, when a transaction is performed, the payment application and the payment application account are in one-to-one correspondence, and if the transaction is switched to logging in another payment application account, an object of the executed transaction is correspondingly switched, and only one payment application account is logged in at the same time all the time.
The input information is used for the electronic equipment to configure the corresponding relation between the trigger operation and the payment application account. The input information may refer to data input by a user to the electronic device. The input information is used for the electronic equipment to configure each payment application account, and the number of the payment application accounts is at least one. The corresponding relation between the trigger operation and the payment application account is used for the electronic equipment to determine the payment application account according to the trigger operation, specifically for the electronic equipment to determine which payment application needs to be transacted and to determine which payment application account under the payment application needs to be transacted. The user can pre-configure the corresponding relation between each payment application account and the trigger operation through the electronic equipment, so that the electronic equipment can correspondingly acquire payment identification information corresponding to the payment application accounts logged in by different payment applications through different trigger operations. For example, the electronic device obtains first payment identification information corresponding to a first payment application account number logged in by a first payment application by receiving a first trigger operation input by a user; second payment identification information corresponding to a second payment application account number logged in by a second payment application can be acquired by receiving a second trigger operation; or acquiring third payment identification information corresponding to a third payment application account number logged in by the second payment application by receiving a third trigger operation. The specific setting may be performed according to actual situations, and the embodiment of the present invention is not particularly limited.
The target payment application account may refer to a registered payment application account in the target payment application for which payment is to be made. The electronic device can determine the target payment application account according to the preset corresponding relation between the trigger operation and the payment application account and the trigger operation. The electronic equipment acquires payment identification information associated with a target payment application account, specifically, the electronic equipment runs a target payment application in the background (at this time, a display interface may or may not display a target payment application page), logs in the target payment application account based on the target payment application, sends an acquisition request of the payment identification information to the server, and acquires the payment identification information by receiving a feedback result of the server.
Through the configuration of the corresponding relation between the trigger operation and the payment application account number in the electronic equipment by the user, the electronic equipment triggers and displays different payment identification information corresponding to the payment application account number logged in different payment applications or different payment identification information corresponding to different payment application account numbers logged in the same payment application by receiving different trigger operations, so that the payment identification information of different payment applications or different payment application account numbers is rapidly displayed, the coverage range of the payment identification information is increased, and the switching speed of the payment application account numbers is improved.
Optionally, obtaining at least one payment application account includes: and obtaining payment application accounts associated with at least two payment applications.
The payment application accounts of the payment applications are configured in the electronic equipment, so that the coverage range of the payment applications can be increased, and the switching speed of the payment applications is improved.
Optionally, on the basis of the foregoing embodiment, before obtaining the payment identification information matched with the payment trigger event, the method further includes: sending payment limiting information of the target payment application account to a server, wherein the payment limiting information is used for judging whether the target payment application account is paid successfully or not by the server; after the payment identification information is displayed through the payment interface, the method further comprises the following steps: and receiving a payment result sent by the server, displaying the payment result through a display interface, and determining the payment result through the server according to the payment limit information and the payment identification information.
The payment restriction information is used by the server to determine whether the payment identification information can be used for payment, and specifically, may refer to a quota and a frequency that the payment identification information can be used for payment. It should be noted that the payment restriction information includes payment method information, that is, the payment restriction information corresponding to the payment identification information displayed in different manners is different, specifically, the payment restriction information of the payment identification information displayed by the electronic device through the payment interface may be used only to determine the amount and frequency that the payment identification information displayed through the payment interface is available for payment, or may also be used to determine the amount and frequency that the payment identification information displayed in any manner is available for payment. For example, the maximum number of payments per day for the electronic device to configure the target payment application account is 3, or the maximum number of payments per day for the electronic device to configure the target payment application account to display the payment identification information through the payment interface is 4.
A server may refer to a computer device that provides services for a targeted payment application account. The server is communicated with the payment application on the electronic equipment, and whether the target payment application account corresponding to the payment sign information has the payment capability of completing the transaction can be determined according to the payment limit information. For example, the determination of the payment capability may be to determine whether the value of the payment amount accumulated on the day exceeds the amount in the payment limiting information, or determine whether the number of times of payment accumulated on the day exceeds the number in the payment limiting information, or determine whether the comprehensive statistic of the value of the payment amount accumulated on the day and the number of times of payment accumulated on the day exceeds the statistic in the payment limiting information, or the like.
The target payment application account logged in by the payment application sends payment limit information to the server, so that the server determines the payment condition of the target payment application account to judge whether the target payment application account can pay through the payment identification information. And the server receives the payment limit information, establishes a corresponding relation with the payment application account and stores the corresponding relation.
The payment receiving device scans the payment identification information, determines the identification information of the payment application contained in the payment identification information, thereby determining a server providing services for the payment application, and sends the payment identification information and the payment amount to the server. The server can extract the target payment application account according to the payment identification information and the payment amount, acquire corresponding payment limiting information and judge whether the target payment application account has payment capacity. If the target payment application account is determined not to have the payment capability, the server feeds back a payment result of payment failure to the electronic equipment; and if the target payment application account is determined to have the payment capability, the server executes the payment operation, and when the payment operation is completed successfully, the server feeds back a payment result of successful payment to the electronic equipment.
And the payment result is used for determining the result of the payment success or failure of the transaction for payment based on the payment identification information by the electronic equipment. The payment system can directly display the payment result through the display interface of the electronic equipment, quickly inform a user of the payment result, and re-pay when the payment fails, so that the payment efficiency is improved.
The payment condition of the payment identification information can be configured by configuring the payment limiting information through the electronic equipment, the times and the situations that the payment identification information displayed on the payment interface is embezzled are reduced, and the safety of the payment identification information displayed on the payment interface is improved.
According to the embodiment of the invention, when the payment triggering event is detected, the payment identification information is obtained and is directly displayed by the payment interface on the back of the electronic equipment, so that the problem of low payment efficiency caused by the fact that a user can display the payment identification information through a plurality of complicated steps in the prior art is solved, the payment identification information can be rapidly displayed, meanwhile, the display is directly performed on the back of the electronic equipment, the turning step of displaying the payment identification information through the display interface on the front of the electronic equipment can be omitted, the payment speed is further accelerated, and the payment efficiency is improved.
In an embodiment, as shown in fig. 2, a flowchart of a payment method is provided, and the present embodiment is embodied on the basis of the foregoing embodiment, and when a trigger operation is detected, the user is authenticated, which is embodied as: when the pressing operation is detected in the trigger area, acquiring hand texture information matched with the pressing operation; and performing identity verification on the user according to the hand texture information.
Specifically, the method of this embodiment specifically includes:
s210, when the display interface is in the screen-off state or the screen-locking state and the pressing operation is detected in the trigger area, acquiring hand texture information matched with the pressing operation.
Detailed description of the present embodiment reference is made to the description of the above embodiments.
The hand texture information is used to identify the hands of the user, and thus the identity of the user. Specifically, the hand texture information may include at least one of fingerprints of respective fingers of the user, palm prints of the user, and the like.
And S220, performing identity verification on the user according to the hand texture information.
Specifically, the authentication may be comparing the hand texture information with preset standard texture information. If the similarity exceeds a set threshold, the electronic equipment determines that the user identity authentication is passed; otherwise, the electronic device determines that the authentication fails.
And S230, if the user identity authentication is passed, determining that the payment triggering event is detected, and acquiring payment identification information matched with the payment triggering event.
S230, displaying the payment identification information through the payment interface so that the collection equipment collects money through scanning the payment identification information; the payment interface is located on the back of the electronic device and is an independent display interface different from a display interface on the front of the electronic device.
Optionally, before obtaining the payment identification information matched with the payment trigger event, the method further includes: acquiring at least one payment application account; acquiring input information of the user aiming at each payment application account; according to the input information of the user, constructing a corresponding relation between the trigger operation and the payment application account; acquiring payment identification information matched with a payment triggering event, wherein the acquisition comprises the following steps: inquiring a target payment application account corresponding to the trigger operation according to the corresponding relation between the preset trigger operation and the payment application account; and obtaining payment identification information associated with the target payment application account as payment identification information matched with the payment triggering event.
Optionally, obtaining at least one payment application account includes: and obtaining payment application accounts associated with at least two payment applications.
Optionally, displaying payment identification information through a payment interface includes: and displaying the payment identification information in the preset time through the payment interface.
Optionally, before obtaining the payment identification information matched with the payment trigger event, the method further includes: sending payment limiting information of the target payment application account to a server, wherein the payment limiting information is used for judging whether the target payment application account is paid successfully or not by the server; after the payment identification information is displayed through the payment interface, the method further comprises the following steps: and receiving a payment result sent by the server, displaying the payment result through a display interface, and determining the payment result through the server according to the payment limit information and the payment identification information.
According to the embodiment of the invention, when the hand texture information of the user is detected, the identity authentication is carried out according to the hand texture information, and when the identity authentication passes, the payment identification information is displayed on the payment interface, so that the legality of the user identity displaying the payment identification information is ensured, and the safety of the payment identification information is improved.
In one embodiment, as shown in FIG. 3, a schematic diagram of a payment device is provided. The third embodiment is a corresponding device for implementing the payment method provided by the foregoing embodiments of the present invention, and the device may be implemented in a software and/or hardware manner, and may generally integrate an electronic device, for example, a terminal device, which may include a mobile terminal, and specifically may be a mobile phone, a tablet computer, a notebook computer, or a vehicle-mounted terminal.
Accordingly, the apparatus of the present embodiment may include:
a payment identifier information obtaining module 310, configured to, when a payment trigger event is detected, obtain payment identifier information matching the payment trigger event;
the payment identification information back display module 320 is configured to display the payment identification information through a payment interface, so that a payment device receives payment by scanning the payment identification information; the payment interface is located on the back of the electronic device and is an independent display interface different from a display interface on the front of the electronic device.
According to the embodiment of the invention, when the payment triggering event is detected, the payment identification information is obtained and is directly displayed by the payment interface on the back of the electronic equipment, so that the problem of low payment efficiency caused by the fact that a user can display the payment identification information through a plurality of complicated steps in the prior art is solved, the payment identification information can be rapidly displayed, meanwhile, the display is directly performed on the back of the electronic equipment, the turning step of displaying the payment identification information through the display interface on the front of the electronic equipment can be omitted, the payment speed is further accelerated, and the payment efficiency is improved.
Further, the payment identification information obtaining module 310 includes: the identity authentication unit is used for authenticating the identity of the user when the display interface is in the screen-off state or the screen-locking state and the trigger operation is detected; if the user identity authentication is passed, determining that a payment triggering event is detected; the trigger operation comprises a trigger action and a trigger area, and the trigger action comprises at least one of the following items: gesture actions, click actions, and press actions.
Further, the identity authentication unit includes: the hand texture verification subunit is used for acquiring hand texture information matched with the pressing operation when the pressing operation is detected in the trigger area; and performing identity verification on the user according to the hand texture information.
Further, the payment device further includes: the payment application account number association module is used for acquiring at least one payment application account number to acquire input information of the user for each payment application account number before acquiring payment identification information matched with a payment trigger event; (ii) a According to the input information of the user, constructing a corresponding relation between the trigger operation and the payment application account; the payment identification information obtaining module 310 includes: the target payment application account determining unit is used for inquiring a target payment application account corresponding to the trigger operation according to the corresponding relation between the preset trigger operation and the payment application account; and obtaining payment identification information associated with the target payment application account as payment identification information matched with the payment triggering event.
Further, the payment application account number association module includes: the payment application account number acquisition unit is used for acquiring payment application account numbers related to at least two payment applications.
Further, the payment identification information back display module 320 includes: and the set time display unit is used for displaying the payment identification information in the preset time through the payment interface.
Further, the payment device further includes: the payment limiting information configuration module is used for sending payment limiting information of the target payment application account to the server before payment identification information matched with the payment triggering event is obtained, and the payment limiting information is used for the server to judge whether the target payment application account is paid successfully or not; and the payment result receiving module is used for receiving the payment result sent by the server after the payment identification information is displayed through the payment interface, displaying the payment result through the display interface, and determining the payment result through the server according to the payment limit information and the payment identification information.
The payment device can execute the payment method provided by the embodiment of the invention, and has the corresponding functional modules and beneficial effects of the executed payment method.
In one embodiment, as shown in fig. 4, a schematic structural diagram of an electronic device is provided. FIG. 4 illustrates a block diagram of an exemplary electronic device 12 suitable for use in implementing embodiments of the present invention. The electronic device 12 shown in fig. 4 is only an example and should not bring any limitation to the function and the scope of use of the embodiment of the present invention.
As shown in FIG. 4, electronic device 12 is embodied in the form of a general purpose computing device. The components of electronic device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16. The electronic device 12 may be a device that is attached to a bus.
Electronic device 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by electronic device 12 and includes both volatile and nonvolatile media, removable and non-removable media.
The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)30 and/or cache memory 32. The electronic device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 4, and commonly referred to as a "hard drive"). Although not shown in FIG. 4, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a Compact disk Read-Only Memory (CD-ROM), Digital Video disk (DVD-ROM), or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. System memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.
Electronic device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), and may also communicate with one or more devices that enable a user to interact with electronic device 12, and/or with any devices (e.g., Network card, modem, etc.) that enable electronic device 12 to communicate with one or more other computing devices.
The processing unit 16 executes various functional applications and data processing, such as implementing a payment method provided by any of the embodiments of the present invention, by executing programs stored in the system memory 28.
In one embodiment, there is provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment method as provided in all inventive embodiments of the present application: when a payment triggering event is detected, acquiring payment identification information matched with the payment triggering event; displaying the payment identification information through a payment interface so that a payment device receives payment by scanning the payment identification information; the payment interface is located on the back of the electronic equipment, and the payment interface is an independent display interface different from a display interface on the front of the electronic equipment.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a RAM, a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM), a flash Memory, an optical fiber, a portable CD-ROM, an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, Radio Frequency (RF), etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including AN object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A payment method is applied to an electronic device and is characterized by comprising the following steps:
when a payment triggering event is detected, acquiring payment identification information matched with the payment triggering event;
displaying the payment identification information through a payment interface so that a payment device receives payment by scanning the payment identification information;
the payment interface is located on the back of the electronic equipment, and the payment interface is an independent display interface different from a display interface on the front of the electronic equipment.
2. The method of claim 1, wherein the detecting a payment triggering event comprises:
when the display interface is in the screen-off state or the screen-locking state and the trigger operation is detected, performing identity authentication on the user;
determining that a payment triggering event is detected if the user identity verification passes;
the trigger operation comprises a trigger action and a trigger area, and the trigger action comprises one or more of a gesture action, a click action and a pressing action.
3. The method of claim 2, wherein authenticating the user when the trigger operation is detected comprises:
when the pressing operation is detected in the trigger area, acquiring hand texture information matched with the pressing operation;
and performing identity authentication on the user according to the hand texture information.
4. The method of claim 2, prior to obtaining payment identification information that matches the payment trigger event, further comprising:
acquiring at least one payment application account;
acquiring input information of the user aiming at each payment application account;
constructing a corresponding relation between a trigger operation and a payment application account according to the input information of the user;
the acquiring of the payment identification information matched with the payment triggering event includes:
inquiring a target payment application account corresponding to a preset trigger operation according to the corresponding relation between the trigger operation and the payment application account;
and obtaining payment identification information associated with the target payment application account as payment identification information matched with the payment triggering event.
5. The method of claim 4, wherein obtaining at least one payment application account number comprises:
and obtaining payment application accounts associated with at least two payment applications.
6. The method of claim 1, wherein the displaying the payment identification information through a payment interface comprises:
and displaying the payment identification information in preset time through a payment interface.
7. The method of claim 1, prior to obtaining payment identification information that matches the payment trigger event, further comprising:
sending payment limiting information of a target payment application account to a server, wherein the payment limiting information is used for judging whether the target payment application account is paid successfully or not by the server;
after the payment identification information is displayed through a payment interface, the method further comprises the following steps:
and receiving a payment result sent by the server, displaying the payment result through the display interface, and determining the payment result through the server according to the payment limit information and the payment identification information.
8. A payment apparatus configured in an electronic device, comprising:
the payment identification information acquisition module is used for acquiring payment identification information matched with a payment trigger event when the payment trigger event is detected;
the payment identification information back display module is used for displaying the payment identification information through a payment interface so that a money receiving device can receive money by scanning the payment identification information; the payment interface is located on the back of the electronic equipment, and the payment interface is an independent display interface different from a display interface on the front of the electronic equipment.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements a payment method as claimed in any one of claims 1 to 7.
10. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out a payment method according to any one of claims 1-7.
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