CN111445227B - Payment method, device, electronic equipment and storage medium - Google Patents

Payment method, device, electronic equipment and storage medium Download PDF

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Publication number
CN111445227B
CN111445227B CN202010235880.6A CN202010235880A CN111445227B CN 111445227 B CN111445227 B CN 111445227B CN 202010235880 A CN202010235880 A CN 202010235880A CN 111445227 B CN111445227 B CN 111445227B
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Prior art keywords
payment
identification information
application account
interface
information
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CN202010235880.6A
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Chinese (zh)
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CN111445227A (en
Inventor
吴伟
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Shanghai Wingtech Information Technology Co Ltd
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Shanghai Wingtech Information Technology Co Ltd
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Priority to CN202010235880.6A priority Critical patent/CN111445227B/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/227Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

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 the collection equipment collects the money by scanning the payment identification information; the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at the front of the electronic device. The embodiment of the invention can reduce the complexity of payment operation and improve the payment efficiency.

Description

Payment method, device, electronic equipment and storage medium
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
Along with the development of science and technology and networks, electronic payment provides paperless payment for people, brings great convenience and quickness, and can consume shopping carts to watch movies and the like by only taking mobile phones at home.
Currently, in order to facilitate user payment, some application programs may provide a manner in which a payee scans a two-dimensional code for user payment to achieve quick payment.
In the prior art, the manner in which the payer provides the payment two-dimensional code for the payee to scan is generally: after the user firstly unlocks the mobile phone screen, the user enters a corresponding application program, then jumps to a payment page, displays a payment two-dimensional code, and is complex in operation steps and low in payment efficiency.
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 the collection equipment collects the money by scanning the payment identification information;
the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at the front of the electronic device.
Optionally, the detecting a payment triggering event includes: when the triggering operation is detected in the state that the display interface is in a screen-off state or a screen-locking state, carrying out identity authentication on the user; if the user identity verification is passed, determining that a payment triggering event is detected; wherein the trigger operation includes a trigger action and a trigger region, the trigger action including one or more of a gesture action, a click action, and a press action.
Optionally, when the triggering operation is detected, the step of performing identity verification on the user includes: when the trigger area detects a pressing operation, acquiring hand texture information matched with the pressing operation; and carrying out identity authentication on the user according to the hand texture information.
Optionally, before acquiring the payment identification information matched with the payment triggering event, the method further includes: acquiring at least one payment application account; acquiring input information of the user for each payment application account; acquiring input information of the user for each payment application account; constructing a corresponding relation between triggering operation and payment application account according to the input information of the user; the obtaining payment identification information matched with the payment triggering event comprises the following steps: inquiring a target payment application account corresponding to a triggering operation according to a corresponding relation between the triggering operation and the payment application account; and acquiring payment identification information associated with the target payment application account number as payment identification information matched with the payment triggering event.
Optionally, the acquiring at least one payment application account includes: and acquiring payment application accounts associated with at least two payment applications.
Optionally, the displaying the payment identification information through a payment interface includes: and displaying the payment identification information in a preset time through a payment interface.
Optionally, before acquiring the payment identification information matched with the payment triggering event, the method further includes: sending payment restriction information of a target payment application account to a server, wherein the payment restriction information is used for judging whether the target payment application account is successfully paid or not by the server; after displaying the payment identification information through the payment interface, further comprising: 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 the payment triggering event when the payment triggering event is detected;
the payment identification information back display module is used for displaying the payment identification information through a payment interface so that the collection equipment collects the money by scanning the payment identification information; the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at the front of the electronic device.
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 in the memory and capable of running on the processor, where the processor executes the program to implement a payment method according to any one of the embodiments of the present invention.
In a fourth aspect, embodiments of the present invention also provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment method according to any 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 at the back of the electronic equipment, so that the problem that in the prior art, a user can display the payment identification information through a plurality of complicated steps to cause low payment efficiency is solved, the payment identification information can be rapidly displayed, meanwhile, the payment identification information is directly displayed at the back of the electronic equipment, the overturning step of displaying the payment identification information through the display interface at 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 chart 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 invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
In one embodiment, as shown in fig. 1a, a flowchart of a payment method is provided, and this embodiment may be suitable for a case where an electronic device quickly displays payment identification information to enable a payment collecting device to scan and complete a payment transaction, where the method may be implemented by a payment device provided in an embodiment of the present invention, where the device may be implemented in a software and/or hardware manner, and may generally be integrated into an electronic device, for example, a terminal device may include a mobile terminal, and may specifically be a mobile phone, a tablet computer, a notebook computer, or a vehicle-mounted terminal. The embodiment is described by taking the application of the method to electronic equipment as an example, 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 payment identification information through the payment interface. In fact, the user can still display the payment identification information through the normal unlocking display interface, opening the payment application, and jumping to the display page of the payment identification information of the payment application. The payment triggering event is dedicated to triggering the display of payment identifying information on the back of the electronic device. Specifically, the payment triggering event may be configured by a holding user of the electronic device, for example, a specific fingerprint or a swipe gesture may be configured, which is not limited in the embodiment of the present invention.
The payment identification information is used for providing to the collection device to complete the payment operation, and may specifically include a bar code, a two-dimensional code, or a payment code number, etc. The payment identification information may refer to current payment identification information of a payment account of a payment application, specifically, payment identification information corresponding to different payment applications is different, payment identification information corresponding to different payment accounts is different, and payment identification information corresponding to transactions at different times or different rounds is different.
In addition, the payment identification information may further include payment means information for determining a display means of the payment identification information, specifically, a display means different from that of the payment identification information displayed 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 specifically, the determination can be made by the display manner in the payment identification information.
Specifically, when the electronic device detects the triggering 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 acquires the payment identification information by receiving a feedback result of the server.
Optionally, detecting the payment triggering event includes at least one of: when the triggering operation is detected in the state that the display interface is in a screen-off state or a screen-locking state, carrying out identity authentication on the user; if the user identity verification is passed, determining that a payment triggering event is detected; the triggering operation comprises a triggering action and a triggering area, wherein the triggering action comprises at least one of the following steps: gesture actions, click actions, and press actions.
When the display interface of the electronic device is in the screen-off state or the screen-lock state, it may be that the display interface of the electronic device does not enter the user interface, that is, the display interface cannot display the payment application currently, and the electronic device cannot respond to the user operation to run the payment application. The off-screen state may refer to a state in which the 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.
In general, the display interface of the electronic device is in a screen-off state or a screen-lock state, and the electronic device is in a standby state. The triggering operation is used for activating the electronic equipment and carrying out identity authentication on the holding user of the electronic equipment. In general, 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 action as a trigger operation. Specifically, the triggering operation may refer to a triggering action performed in a triggering area, and in particular, the triggering area may be any area specified on the electronic device, for example, the triggering area may be located in a display interface, and may also be located in an area other than a payment interface on the back of the electronic device. The trigger action may be any action specified to be made with respect to the electronic device. Specifically, the trigger actions may include gesture actions, click actions, and press actions. The gesture motion may refer to a motion of sliding a hand, and, for example, if a sliding track of the gesture motion of the user is detected to be the same as a standard sliding track in the trigger area, it is determined that a trigger operation is detected. The click action may refer to an action of being quickly lifted up after the hand touches the motor device, and by way of example, if the frequency of detecting the click action of the user 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 the hand within a set time, and, for example, if a duration of detecting the clicking action of the user in the trigger area is the same as the duration, it is determined that the trigger operation is detected.
The authentication is used for the electronic device to verify whether the user displaying the payment verification information is a legal user, in particular to verify whether the identity of the holding user is consistent with a preset identity. The legal user may refer to a holding user of the electronic device. Specifically, the authentication may be performed by at least one of text, image, audio, video, etc., for example, inputting a sentence, face recognition, voice recognition, living body detection, etc., and may be specifically set according to the actual situation, which is not particularly limited in the embodiment of the present invention. Comparing the acquired data with preset data, and if the acquired data are consistent, determining that the identity verification is passed; otherwise, determining that the identity verification fails.
And the user identity verification is passed, and the user is a legal user, and the electronic equipment determines that the payment triggering event is detected at the moment, so that the electronic equipment displays the payment identification information to carry out subsequent payment operation.
Through the fact that the electronic equipment detects triggering operation when the display interface of the electronic equipment is in the screen-off state or the screen-locking state, and when the triggering operation is detected, the electronic equipment performs identity verification on a user, and only when the identity verification passes, the electronic equipment determines that a payment triggering event is detected, so that the display of payment identification information through complicated operation of the display interface can be avoided, the display steps of the payment identification information are reduced, meanwhile, the safety of the payment identification information can be improved only when the identity verification passes, and the payment safety is guaranteed.
S120, displaying payment identification information through a payment interface so that the collection device collects money by scanning the payment identification information; the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at 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 mutually independent, display contents are not mutually interfered, and the payment interface and the display interface can be independently set by a processor of the electronic equipment. By way of example, 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 of each other. Fig. 1c provides a rear view of the electronic device 100, in which the payment interface 101 is located at a middle position of the back of the electronic device 100, the shape of the payment interface 101 is rectangular, fig. 1c is merely an exemplary illustration of the shape, position and size of the payment interface 101, 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, etc., and in this regard, the shape, position and size may be set according to practical situations, and embodiments of the present invention are not limited in particular.
Specifically, the payment interface of the electronic device is used for displaying payment identification information, and other contents may also be displayed, which is not particularly limited in the embodiment 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 may be set according to the actual situation. Correspondingly, according to different display functions, different materials can be correspondingly adopted to manufacture the payment interface of the electronic equipment. The structure of the interface generally comprises a display screen, a backlight module, a light source, a driving circuit and the like. The payment interface may be made of a material different from that of the display interface, for example, a material different from that of the display screen, a material different from that of the backlight module, a material different from that of the light source, and the like. The payment interface can be made of low-cost materials, so that the cost of displaying the payment identification information on the back of the electronic device is reduced. For example, the display interface is required to display a wide variety of contents in high definition and color, while the payment interface may display payment identification contents in low definition and black and white.
In a specific example, a light emitting diode (Light Emitting Diode, LED) display screen may be used as the payment interface, and power consumption of the payment interface to display payment identification information may be reduced.
The electronic device displays payment identification information through the payment interface, specifically, a processor in the electronic device configures display content of a display screen as payment identification information, controls a driving circuit to drive a light source to be lightened, and guides light to the display screen through a backlight module so as to display the display content on the display screen. In addition, other display modes are also possible, and the embodiment of the present invention is not particularly limited.
The payment collecting device may be an electronic device with an image collecting device, and is configured to scan a payment interface to obtain payment identification information, and perform payment processing on the transaction according to the payment identification information, specifically, send the payment identification information and an input payment amount to a server, so that the server determines transaction information according to the payment identification information and the payment amount, and perform transfer processing on a payment application account matched with the payment identification information. In fact, the checkout device and the electronic device implementing the payment method provided by any embodiment of the present invention are independent of each other.
Optionally, displaying payment identification information through a payment interface includes: and displaying payment identification information in a preset time through a 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 to cause the payment by other people can be reduced, and the safety of displaying the payment identification information on the payment interface is improved.
Optionally, before acquiring the payment identification information matched with the payment triggering 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 triggering operation and the payment application account; obtaining payment identification information matched with the payment triggering event comprises the following steps: inquiring a target payment application account corresponding to the triggering operation according to the corresponding relation between the preset triggering operation and the payment application account; and acquiring payment identification information associated with the target payment application account number as payment identification information matched with the payment triggering event.
Typically one payment application in an electronic device may be associated with multiple payment application accounts, one payment application account being associated with multiple payment identification information. One payment identification information can determine only one payment application account, and one payment application account can determine only one payment application.
The payment application in the electronic device is used for interacting with the matched server to complete the transaction operation. For example, the payment application completes the transaction operation by registering the payment application account in the server and interacting with the server with the payment application account logged in. It should be noted that, in general, only one payment application will log in one payment application account currently, when a transaction is performed, the payment application corresponds to the payment application account one by one, if the transaction is switched to log in another payment application account, the object of the performed transaction is correspondingly switched, and only one payment application account is always logged in at the same time.
The input information is used for configuring the corresponding relation between the triggering operation and the payment application account number by the electronic equipment. The input information may refer to data entered by a user into 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 triggering operation and the payment application account is used for the electronic equipment to determine the payment application account according to the triggering operation, in particular to the electronic equipment to judge which payment application needs to be transacted and judge 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 triggering operation through the electronic equipment, so that the user can correspondingly acquire the payment identification information corresponding to the payment application accounts logged in by different payment applications through different triggering 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 through receiving a first trigger operation input by a user; the second payment identification information corresponding to a second payment application account number logged in by a second payment application can also be obtained by receiving a second triggering operation; or the third triggering operation is received, so that third payment identification information corresponding to a third payment application account number logged in by the second payment application is obtained. The setting may be specifically performed according to the actual situation, and the embodiment of the present invention is not particularly limited.
The target payment application account number may refer to a registered payment application account number in the target payment application for which payment is to be made. The electronic device may determine the target payment application account according to the corresponding relationship between the pre-configured trigger operation and the payment application account, and the trigger operation. The electronic equipment obtains payment identification information associated with the target payment application account, specifically, the electronic equipment runs the target payment application in the background (at the moment, the display interface can display a target payment application page or not display the target payment application page), logs in the target payment application account based on the target payment application, sends an obtaining request of the payment identification information to the server, and obtains the payment identification information by receiving a feedback result of the server.
By configuring the corresponding relation between the triggering operation and the payment application account number in the electronic equipment, the electronic equipment is triggered to display 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 triggering 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 acquiring payment application accounts associated with at least two payment applications.
By configuring the payment application account numbers of the plurality of payment applications in the electronic device, the coverage range of the payment applications can be increased, and therefore the switching speed of the payment applications is improved.
Optionally, on the basis of the foregoing embodiment, before acquiring the payment identifier information matched with the payment triggering event, the method further includes: sending payment restriction information of the target payment application account to a server, wherein the payment restriction information is used for judging whether the target payment application account is successfully paid or not by the server; after displaying the payment identification information through the payment interface, further comprising: 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 limitation information is used by the server to determine whether the payment identification information can be used for payment, and specifically may refer to the amount and frequency of payment for which the payment identification information is available. It should be noted that the payment limitation information includes payment manner information, that is, payment limitation information corresponding to the payment identification information displayed in different manners is different, specifically, the payment limitation information of the payment identification information displayed by the electronic device through the payment interface may be used only to determine the amount and the frequency of the payment available for the payment by the payment identification information displayed by the payment interface, or may be used to determine the amount and the frequency of the payment available for the payment by the payment identification information displayed in any manner. The maximum number of times of daily payments for the electronic device to configure the target payment application account is 3, or the maximum number of times of daily payments 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 target payment application account. The server is in communication with the payment application on the electronic device, and can determine whether the target payment application account corresponding to the payment sign information has the payment capability of completing the transaction according to the payment limit information. For example, the determination of the payment capability may be determining whether the value of the payment amount accumulated on the day exceeds the amount in the payment limiting information, or determining whether the number of times of payment accumulated on the day exceeds the number of times in the payment limiting information, or determining whether the integrated statistics of the value of the payment amount accumulated on the day and the number of times of payment accumulated on the day exceeds the statistics in the payment limiting information, or the like, and in addition, there are other cases, which are not particularly limited in this embodiment of the present invention.
The payment restriction information can be sent to the server through the target payment application account which the payment application logs in, 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 identification information of a payment application included in the payment identification information, thereby determining a server providing services for the payment application, and transmits the payment identification information and a payment amount to the server. The server may first extract the target payment application account according to the payment identification information and the payment amount, and obtain the corresponding payment limitation information, so as to determine whether the target payment application account has the payment capability. If the target payment application account is determined to not have the payment capability, the server feeds back a payment result of the 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 successfully completed, the server feeds back a payment result of successful payment to the electronic equipment.
The payment result is used for the electronic device to determine the result of success or failure of payment of the transaction based on the payment identification information. The payment result can be displayed directly through the display interface of the electronic equipment, so that the user is quickly informed of the payment result, and when the payment fails, the payment is carried out again, and 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, so that the number and the condition of stolen brushing of the payment identification information displayed on the payment interface are reduced, and the safety of the display of the payment identification information 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 at the back of the electronic equipment, so that the problem that in the prior art, a user can display the payment identification information through a plurality of complicated steps to cause low payment efficiency is solved, the payment identification information can be rapidly displayed, meanwhile, the payment identification information is directly displayed at the back of the electronic equipment, the overturning step of displaying the payment identification information through the display interface at the front of the electronic equipment can be omitted, the payment speed is further accelerated, and the payment efficiency is improved.
In one embodiment, as shown in fig. 2, a flowchart of a payment method is provided, and this embodiment is implemented based on the foregoing embodiment, where when a trigger operation is detected, authentication is performed on a user, and is implemented as follows: when the trigger area detects a pressing operation, acquiring hand texture information matched with the pressing operation; and carrying out identity authentication on the user according to the hand texture information.
Specifically, the method of the embodiment specifically includes:
s210, acquiring hand texture information matched with the pressing operation when the pressing operation is detected in the triggering area under the condition that the display interface is in a screen-off state or a screen-locking state.
Reference may be made to the description of the above embodiments for a non-detailed description of the present embodiments.
The hand texture information is used for identifying the hands of the user, and further identifying the identity of the user. Specifically, the hand texture information may include at least one of a fingerprint of each finger of the user, a palm print of the user, and the like.
S220, carrying out identity authentication 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 verification passes; otherwise, the electronic device determines that the authentication fails.
S230, if the user identity verification is passed, determining that a payment triggering event is detected, and acquiring payment identification information matched with the payment triggering event.
S230, displaying payment identification information through a payment interface so that the collection device collects money by scanning the payment identification information; the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at the front of the electronic device.
Optionally, before acquiring the payment identification information matched with the payment triggering event, the method further includes: acquiring at least one payment application account; acquiring input information of the user for each payment application account; according to the input information of the user, constructing a corresponding relation between the triggering operation and the payment application account; obtaining payment identification information matched with the payment triggering event comprises the following steps: inquiring a target payment application account corresponding to the triggering operation according to the corresponding relation between the preset triggering operation and the payment application account; and acquiring payment identification information associated with the target payment application account number as payment identification information matched with the payment triggering event.
Optionally, obtaining at least one payment application account includes: and acquiring payment application accounts associated with at least two payment applications.
Optionally, displaying payment identification information through a payment interface includes: and displaying payment identification information in a preset time through a payment interface.
Optionally, before acquiring the payment identification information matched with the payment triggering event, the method further includes: sending payment restriction information of the target payment application account to a server, wherein the payment restriction information is used for judging whether the target payment application account is successfully paid or not by the server; after displaying the payment identification information through the payment interface, further comprising: 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 verification is carried out according to the hand texture information, and when the identity verification 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 of the present invention is a corresponding apparatus for implementing the payment method provided in the foregoing embodiment of the present invention, where the apparatus may be implemented in a software and/or hardware manner, and may generally be integrated with an electronic device, for example, a terminal device may include a mobile terminal, and may specifically be a mobile phone, a tablet computer, a notebook computer, or a vehicle-mounted terminal.
Accordingly, the apparatus of this embodiment may include:
a payment identification information obtaining module 310, configured to obtain payment identification information matched with a payment triggering event when the payment triggering event is detected;
the payment identification information back display module 320 is configured to display payment identification information through a payment interface, so that the collection device collects payment by scanning the payment identification information; the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at 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 at the back of the electronic equipment, so that the problem that in the prior art, a user can display the payment identification information through a plurality of complicated steps to cause low payment efficiency is solved, the payment identification information can be rapidly displayed, meanwhile, the payment identification information is directly displayed at the back of the electronic equipment, the overturning step of displaying the payment identification information through the display interface at 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 verification unit is used for carrying out identity verification on the user when the triggering operation is detected under the condition that the display interface is in a screen-off state or a screen-locking state; if the user identity verification is passed, determining that a payment triggering event is detected; the triggering operation comprises a triggering action and a triggering area, wherein the triggering action comprises at least one of the following steps: gesture actions, click actions, and press actions.
Further, the 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 triggering area; and carrying out identity authentication on the user according to the hand texture information.
Further, the payment device further includes: the payment application account association module is used for acquiring at least one payment application account to acquire input information of the user for each payment application account before acquiring payment identification information matched with a payment triggering event; the method comprises the steps of carrying out a first treatment on the surface of the According to the input information of the user, constructing a corresponding relation between the triggering operation and the payment application account; the payment identification information acquisition module 310 includes: the target payment application account determining unit is used for inquiring the target payment application account corresponding to the triggering operation according to the corresponding relation between the preset triggering operation and the payment application account; and acquiring payment identification information associated with the target payment application account number as payment identification information matched with the payment triggering event.
Further, the payment application account association module includes: and the payment application account acquisition unit is used for acquiring payment application accounts associated with at least two payment applications.
Further, the payment identification information back display module 320 includes: the setting time display unit is used for displaying payment identification information in a preset time through the payment interface.
Further, the payment device further includes: the payment limit information configuration module is used for sending the payment limit information of the target payment application account to the server before acquiring the payment identification information matched with the payment triggering event, and the payment limit information is used for judging whether the target payment application account is successfully paid or not by the server; 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 and displaying the payment result through the display interface, and the payment result is determined 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 merely an example and should not be construed as limiting the functionality and scope of use of embodiments of the present invention.
As shown in fig. 4, the electronic device 12 is in the form of a general purpose computing device. Components of the electronic device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, a bus 18 that connects the various system components, including the system memory 28 and the processing units 16. The electronic device 12 may be a device that is attached to a bus.
Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, and a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include industry standard architecture (Industry Standard Architecture, ISA) bus, micro channel architecture (Micro Channel Architecture, MCA) bus, enhanced ISA bus, video electronics standards association (Video Electronics Standards Association, VESA) local bus, and peripheral component interconnect (Peripheral Component Interconnect, PCI) bus.
Electronic device 12 typically includes a variety of computer system readable media. Such media can 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 or write to non-removable, nonvolatile magnetic media (not shown in FIG. 4, commonly referred to as a "hard disk drive"). Although not shown in fig. 4, a 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 and writing to a removable nonvolatile optical disk (e.g., a compact disk Read Only Memory (CD-ROM), digital versatile disk (Digital Video Disc-Read Only Memory, DVD-ROM), or other optical media) may be provided. In such cases, each drive may be coupled to bus 18 through one or more data medium interfaces. The system memory 28 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of the embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored in, for example, 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 or some combination of which may include an implementation of a network environment. Program modules 42 generally perform the functions and/or methods of the embodiments described herein.
The electronic device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), one or more devices that enable a user to interact with the electronic device 12, and/or any devices (e.g., network card, modem, etc.) that enable the electronic device 12 to communicate with one or more other computing devices. Such communication may be via an Input/Output (I/O) interface 22. The electronic device 12 may also communicate with one or more networks (e.g., local area network (Local Area Network, LAN), wide area network (Wide Area Network, WAN)) via the network switching component 20. As shown, the network switching component 20 communicates with other modules of the electronic device 12 via the bus 18. It should be appreciated that although not shown in FIG. 4, other hardware and/or software modules may be used in connection with the electronic device 12, including, but not limited to, microcode, device drivers, redundant processing units, external disk drive arrays, (Redundant Arrays of Inexpensive Disks, RAID) systems, tape drives, and data backup storage systems, among others.
The processing unit 16 executes various functional applications and data processing by running programs stored in the system memory 28, for example to implement a payment method as provided by any of the embodiments of the present invention.
In one embodiment, a computer readable storage medium is provided, having stored thereon a computer program which when executed by a processor implements a payment method as provided by 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 the collection equipment collects the money by scanning the payment identification information; the payment interface is located at the back of the electronic device, and is an independent display interface different from the display interface at the front of the electronic device.
The computer storage media of embodiments of the invention may take the form of 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. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any 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 (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 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.
The computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either 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 of the foregoing. 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 (RadioFrequency, RF), etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations 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. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a LAN or WAN, or may be connected to an external computer (for example, through the Internet using an Internet service provider).
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. 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, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.

Claims (9)

1. A payment method applied to an electronic device, comprising:
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 the payment equipment collects payment by scanning the payment identification information, wherein the payment identification information comprises payment mode information, the payment mode information is used for determining the display mode of the payment identification information, and the payment restriction information corresponding to the payment identification information displayed through different display modes is different;
The payment interface is positioned at the back of the electronic equipment, and is an independent display interface different from the display interface at the front of the electronic equipment;
before acquiring the payment identification information matched with the payment triggering event, the method further comprises the following steps:
acquiring at least one payment application account;
acquiring input information of the user for each payment application account;
constructing a corresponding relation between triggering operation and payment application account according to the input information of the user;
the obtaining payment identification information matched with the payment triggering event comprises the following steps:
inquiring a target payment application account corresponding to a triggering operation according to a corresponding relation between the triggering operation and the payment application account;
and acquiring payment identification information associated with the target payment application account number as payment identification information matched with the payment triggering event.
2. The method of claim 1, wherein the detecting a payment triggering event comprises:
when the triggering operation is detected in the state that the display interface is in a screen-off state or a screen-locking state, carrying out identity authentication on the user;
if the user identity verification is passed, determining that a payment triggering event is detected;
Wherein the trigger operation includes a trigger action and a trigger region, the trigger action including one or more of a gesture action, a click action, and a press action.
3. The method of claim 2, wherein the authenticating the user when the trigger operation is detected comprises:
when the trigger area detects a pressing operation, acquiring hand texture information matched with the pressing operation;
and carrying out identity authentication on the user according to the hand texture information.
4. The method of claim 1, wherein the obtaining at least one payment application account comprises:
and acquiring payment application accounts associated with at least two payment applications.
5. The method of claim 1, wherein displaying the payment identifying information via a payment interface comprises:
and displaying the payment identification information in a preset time through a payment interface.
6. The method of claim 1, further comprising, prior to obtaining payment identification information that matches the payment triggering event:
sending payment restriction information of a target payment application account to a server, wherein the payment restriction information is used for judging whether the target payment application account is successfully paid or not by the server;
After displaying the payment identification information through the payment interface, further comprising:
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.
7. A payment device configured in an electronic apparatus, comprising:
the payment identification information acquisition module is used for acquiring payment identification information matched with the payment triggering event when the payment triggering event is detected;
the payment identification information back display module is used for displaying the payment identification information through a payment interface so that the payment equipment can collect money by scanning the payment identification information, wherein the payment identification information comprises payment mode information, the payment mode information is used for determining the display mode of the payment identification information, and payment limit information corresponding to the payment identification information displayed through different display modes is different; the payment interface is positioned at the back of the electronic equipment, and is an independent display interface different from the display interface at the front of the electronic equipment;
the device also comprises a payment application account association module;
The payment application account association module is used for acquiring at least one payment application account before acquiring payment identification information matched with the payment triggering event; acquiring input information of the user for each payment application account; constructing a corresponding relation between triggering operation and payment application account according to the input information of the user;
the payment identification information acquisition module is specifically used for 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 acquiring payment identification information associated with the target payment application account number as payment identification information matched with the payment triggering event.
8. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the payment method of any of claims 1-6 when the program is executed by the processor.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the program, when executed by a processor, implements a payment method according to any one of claims 1-6.
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