CN112967050A - Payment method and device - Google Patents
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- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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Abstract
The application discloses a payment method and a payment device. The specific implementation scheme is as follows: the method comprises the following steps: acquiring a collection request, wherein the collection request comprises collection amount and authorized user information; generating a 5G bill message according to the collection request, and sending the 5G bill message to the user side so as to select a bound account according to authorized user information; and deducting the amount of money to be collected from the selected account, and sending the payment result to the user side. The method and the device not only support the merchant to actively send the 5G bill information to the user terminal, but also support the bank card payment in the payment process, and can complete the payment without inputting user information.
Description
Technical Field
The application relates to the technical field of communication, in particular to the field of payment.
Background
The short message payment refers to a service for performing electronic commerce consumption by using a mobile communication network and an internet of China Mobile, Unicom, telecommunication based on a communication charge account or a special short message payment account corresponding to a mobile phone number through a short message, a web page or a mobile phone client. Fig. 1 shows the whole process of short message payment in the prior art. The short message payment process has the following defects: firstly, only payment behaviors initiated by a user can be supported, and the method is mainly characterized in that the user can complete payment only by actively editing a short message and sending the short message to a specific short message platform according to the prompt of a ordering page after ordering operation is carried out, and the payment requirements of scenes such as payment initiated by an offline merchant actively can not be met. Secondly, only the communication charge account or the special short message payment account corresponding to the mobile phone number is supported for payment, and the user is not supported to use the bank card for payment. Third, there is a lack of means for user payment security management and verification.
Disclosure of Invention
The embodiment of the application provides a payment method and a payment device, which are used for solving the problems in the related technology, and the technical scheme is as follows:
in a first aspect, an embodiment of the present application provides a payment method, including:
acquiring a collection request, wherein the collection request comprises collection amount and authorized user information;
generating a 5G bill message according to the collection request, and sending the 5G bill message to the user side so as to select a bound account according to authorized user information;
and deducting the amount of money to be collected from the selected account, and sending the payment result to the user side.
In one embodiment, the method further comprises:
acquiring a card binding request sent by a user side, wherein the card binding request comprises authorized user information, and the user information comprises a communication signal and identity information;
inquiring a corresponding opened account list according to the communication number so as to select an account to be bound from the account list;
sending the authorized user information to a card issuing mechanism corresponding to the account to be bound for verification;
and in the case of passing the verification, adding the account number to the authorized user information.
In one embodiment, the bind request is in the form of a 5G message.
In one embodiment, the method further comprises:
and acquiring the secret-free payment information set in the 5G message interface by the user, wherein the secret-free payment information comprises a payment password and a secret-free payment amount.
In one embodiment, deducting the collection amount from the selected account number includes:
and deducting the collection amount in the selected account according to the payment password under the condition that the collection amount is smaller than the password-free payment amount.
In one embodiment, the method further comprises:
and acquiring the password verification payment information set in the 5G message interface by the user, wherein the password verification payment information comprises face information, fingerprint information and a password verification payment amount.
In one embodiment, deducting the collection amount from the selected account number includes:
under the condition that the collection amount is larger than the password-checking payment amount, sending a verification request to a user side for face recognition or fingerprint recognition;
acquiring a face or a fingerprint fed back by a user side, and verifying the fed face or fingerprint by using face information or fingerprint information;
and in the case of passing the verification, deducting the collection amount in the selected account number.
In a second aspect, an embodiment of the present application provides a payment apparatus, including:
the system comprises a collection request acquisition module, a collection processing module and a processing module, wherein the collection request acquisition module is used for acquiring a collection request, and the collection request comprises collection amount and authorized user information;
the bill message sending module is used for generating a 5G bill message according to the collection request, sending the 5G bill message to the user side and selecting a bound account according to authorized user information;
and the payment module is used for deducting the amount of money to be collected from the selected account number and sending the payment result to the user side.
In one embodiment, the method further comprises:
the system comprises a card binding request acquisition module, a card binding request processing module and a card binding request processing module, wherein the card binding request acquisition module is used for acquiring a card binding request sent by a user side, the card binding request comprises authorized user information, and the user information comprises communication signals and identity information;
the account number query module is used for querying a corresponding opened account number list according to the communication number so as to select an account number to be bound from the account number list;
the verification module is used for sending the authorized user information to a card issuing mechanism corresponding to the account to be bound so as to carry out verification;
and the account binding module is used for adding the account to the authorized user information under the condition of passing the verification.
In one embodiment, the bind request is in the form of a 5G message.
In one embodiment, the method further comprises:
and the secret payment information acquisition module is used for acquiring secret payment information set in a 5G message interface by a user, and the secret payment information comprises a payment password and a secret payment amount.
In one embodiment, the payment module comprises:
and the small payment sub-module is used for deducting the payment amount in the selected account according to the payment password under the condition that the payment amount is smaller than the password-free payment amount.
In one embodiment, the method further comprises:
and the password verification payment information acquisition module is used for acquiring password verification payment information set in the 5G message interface by the user, and the password verification payment information comprises face information, fingerprint information and a password verification payment amount.
In one embodiment, the payment module comprises:
the verification request sending submodule is used for sending a verification request to the user side to perform face recognition or fingerprint recognition under the condition that the collection amount is larger than the password verification payment amount;
the user verification sub-module is used for acquiring the face or the fingerprint fed back by the user side and verifying the fed face or the fingerprint by using the face information or the fingerprint information;
and the large amount payment sub-module is used for deducting the collection amount from the selected account number under the condition of passing the verification.
In a third aspect, an electronic device is provided, including:
at least one processor; and a memory communicatively coupled to the at least one processor;
wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform any of the methods described above.
In a fourth aspect, there is provided a non-transitory computer readable storage medium having stored thereon computer instructions for causing a computer to perform the method of any of the above.
One embodiment in the above application has the following advantages or benefits: by establishing the 5G bill payment system, the merchant can actively send 5G bill information to the user, and under the condition that the user side confirms to pay bills after receiving the 5G bill information, the 5G bill payment system sends a bound account list to the user side, the user can select the bound account, and the 5G bill payment system deducts the amount of money to be collected from the selected account and sends the payment result to the user side. Through the safe and convenient payment experience in the 5G message, the information interaction steps required by payment are effectively reduced. The method and the device not only support the merchant to actively send the 5G bill information to the user terminal, but also support the bank card payment in the payment process, and can complete the payment without inputting user information.
Other effects of the above-described alternative will be described below with reference to specific embodiments.
Drawings
The drawings are included to provide a better understanding of the present solution and are not intended to limit the present application. Wherein:
FIG. 1 is a schematic diagram of a prior art payment method;
FIG. 2 is a schematic diagram of a payment method according to an embodiment of the present application;
FIG. 3 is a diagram of a scenario of a bank card binding service according to an embodiment of the present application;
FIG. 4 is a diagram of a scenario of a micropayment privacy-free method according to an embodiment of the present application;
FIG. 5 is a diagram of a scenario of a large amount of secret-check payment method according to an embodiment of the present application;
FIG. 6 is a block diagram of a payment device according to an embodiment of the present application;
fig. 7 is a block diagram of an electronic device for implementing a payment method according to an embodiment of the present application.
Detailed Description
The following description of the exemplary embodiments of the present application, taken in conjunction with the accompanying drawings, includes various details of the embodiments of the application for the understanding of the same, which are to be considered exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present application. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
With the popularization of 5G networks, the existing short message entry of the mobile phone terminal can be upgraded to a 5G message entry, and the 5G message can support various media such as audio and video, pictures and the like and messages with various formats. With 5G messaging, governments and businesses can deliver public and commercial services directly to users, and users can communicate and communicate with each other through 5G messaging. Due to the attributes of geographic position information, fixed mobile phone numbers, bottom layer security and the like in the 5G message standard, new payment modes can be derived in more transaction scenes. Therefore, in order to solve the technical problems that the payment requirement of scenes that an off-line merchant actively initiates collection and the like cannot be met in the short message payment process, a user does not support the payment by using a bank card and the like, the embodiment provides a payment method, the merchant can use 5G information to perform bill payment push service, a bill is sent to a mobile phone of the user in a 5G information form, the payment is completed after the user confirms, and the account paid by the user is a bank card account.
In one embodiment, a payment method is provided, comprising the steps of:
step S110: acquiring a collection request, wherein the collection request comprises collection amount and authorized user information;
step S120: generating a 5G bill message according to the collection request, and sending the 5G bill message to the user side so as to select a bound account according to authorized user information;
step S130: and deducting the amount of money to be collected from the selected account, and sending the payment result to the user side.
In one example, a 5G bill payment system is constructed, and a bill is sent between a merchant terminal and a user terminal or between the user terminal and the user terminal through the 5G bill payment system to perform transactions such as payment. Before transaction, aiming at a user side, the user needs to input user information, such as real-name authentication information such as an identity card number, a name, a mobile phone number and the like, in a short message interface or an APP interface of a 5G message of a mobile phone, and the user side sends the user information to a 5G bill payment system for authorization to obtain authorized user information, which indicates that the user does not need to input the user information in the interface in the future transaction process. Then, the user can perform a card binding process, that is, the user clicks 'card binding' in a short message interface or an APP interface of the 5G message, and confirms a relevant protocol. The method comprises the steps that an operator obtains a mobile phone number of a user through a bottom layer short message channel, a bank card list bound by the mobile phone number is obtained from a bank, after the user selects one bank card, the operator sends authorized user information to the bank in a 5G message mode for verification, and after the bank verification is passed, an account number of the bank card is bound to the authorized user information in the 5G message mode.
In a payment scenario, in a scenario of transaction between a merchant end and a user end or between the user end and another user end, the merchant end (another user end) sends a payment request to a 5G bill payment system, wherein the payment request includes a payment amount and authorized user information. And after the 5G bill payment system acquires the collection request, generating a 5G bill message according to the collection request, and sending the 5G bill message to the user side. After the user confirms that the 5G bill needs to be paid, the 5G bill payment system sends the bank card list bound in the authorized user information to the user side, the user selects the payment bank card according to the bank card list bound in the authorized user information and sends the payment bank card to the 5G bill payment system, and the 5G bill payment system deducts the amount of money collected from the payment bank card to complete payment. The 5G bill payment system sends the payment result to the merchant side (another user side) and the user side.
In another payment scenario, a user side can send a query request to a 5G bill payment system, the 5G bill payment system generates a 5G bill push message according to the query request and feeds the 5G bill push message back to the user side, after a user confirms that the 5G bill needs to be paid, the 5G bill payment system sends a bank card list bound in authorized user information to the user side, the user selects a payment bank card according to the bank card list bound in the authorized user information and sends the payment bank card to the 5G bill payment system, and the 5G bill payment system deducts collection amount from the payment bank card to complete payment. And the 5G bill payment system returns the payment result to the user terminal.
The embodiment is suitable for various payment scenes, for example, most merchants register and manage members by acquiring the mobile phone numbers of users, in a scenario of bill pushing and payment by the merchants, the merchants can actively upload collection information when a transaction occurs, and a 5G bill payment system instantly sends the collection information to a mobile phone of the user in the form of a 5G short message to promote business and pay, so that bill pushing service is realized for the merchants and payment service is provided for the users. In a bank card management scene, a user binds a bank card through a mobile phone number bank, the bank can issue a credit card bill of 5G messages every month and complete payment in the messages, and credit card bill pushing and payment services are realized for bank service numbers. In a water, electricity and coal payment scene, a water and electricity fee company can push payment bills to users every month and guide the users to pay in time. The method not only provides the merchant bill push service, but also supports the bill query operation actively initiated by the user. Not only provides the payment service of the personal bank card, but also supports the convenient and fast binding function of a plurality of bank cards. The bill payment function in the 5G message can enable the payment experience in a specific scene to be more convenient and the information to be more transparent.
In this embodiment, by establishing the 5G bill payment system, it is realized that the merchant can actively send a 5G bill message to the user, and when the user side confirms payment of the bill after receiving the 5G bill message, the 5G bill payment system sends the bound account list to the user side, and the user can select the bound account, and the 5G bill payment system deducts a payment amount from the selected account and sends a payment result to the user side. Through the safe and convenient payment experience in the 5G message, the information interaction steps required by payment are effectively reduced. The method and the device not only support the merchant to actively send the 5G bill information to the user terminal, but also support the bank card payment in the payment process, and can complete the payment without inputting user information.
In one embodiment, the method further comprises:
step S140: acquiring a card binding request sent by a user side, wherein the card binding request comprises authorized user information, and the user information comprises a communication signal and identity information;
step S150: inquiring a corresponding opened account list according to the communication number so as to select an account to be bound from the account list;
step S160: sending the authorized user information to a card issuing mechanism corresponding to the account to be bound for verification;
step S170: and in the case of passing the verification, adding the account number to the authorized user information.
In an example, as shown in fig. 3, the user mobile phone performs a card binding process in a 5G message short message entry interface or an APP interface. Specifically, the method comprises the following steps: (1) and selecting a new bank card to be bound in the interface, and requesting the binding card to the 5G bill payment system. (2) The 5G bill payment system acquires a card binding request, wherein the card binding request comprises authorized user information, and the user information comprises real-name authentication information such as communication signals, identity information, names and the like. (3) The 5G bill payment system applies for inquiring the account list of the opened bank card corresponding to the communication signal (mobile phone number) to the user information system through the user information, and the user information system feeds the inquired bank card list back to the 5G bill payment system. (4) And after the user selects the bank card account to be bound, sending the mobile phone number and the identity authentication related real-name information corresponding to the user to a 5G bill payment system. (5) And the 5G bill payment system sends a card binding request and authorized user information to an issuing institution (bank) of the bank card account number to be bound, and after the issuing institution (bank) completes verification, the issuing institution (bank) returns an opening result to the 5G bill payment system, and then returns to the user side to complete the binding of the bank card.
In one embodiment, the bind request is in the form of a 5G message.
In one example, in the card binding process, a card binding request may also be sent to the 5G bill payment system in the form of a 5G message. The process of binding the card and the process of subsequent payment can use 5G messages for information interaction.
In one embodiment, the method further comprises:
step S180: and acquiring the secret-free payment information set in the 5G message interface by the user, wherein the secret-free payment information comprises a payment password and a secret-free payment amount.
In one embodiment, step S130, deducting a collection amount from the selected account number includes:
step S131: and deducting the collection amount in the selected account according to the payment password under the condition that the collection amount is smaller than the password-free payment amount.
In one example, as shown in fig. 4, in a small amount password-free payment scenario, the user sets password-free payment information in a 5G message interface, where the password-free payment information includes a payment password and a password-free payment amount, and sends the password-free payment information to the 5G bill payment system. The merchant side uploads collection information (namely, sends a collection request) to the 5G bill payment system, wherein the collection information (the collection request) comprises a collection amount, a bill abstract, a mobile phone number of a payment user or other user identifications and the like. And the Unionpay 5G bill payment system generates a 5G bill message according to the collection information, and immediately issues the 5G bill message, issues the 5G bill message at regular time or issues the 5G bill message to the user side by user inquiry. And after the user checks the bill, the user confirms the bill for payment and notifies the 5G bill payment system in the form of an uplink message. The 5G bill payment system issues a bank card list which can be used by the user, the user selects to pay the bank card, and the 5G bill payment system is informed in the form of an uplink message. And the 5G bill payment system judges that the bill payment is free of secret payment according to the amount and the scene, and informs the user and the merchant after deduction is finished. The method realizes the payment safety management and verification of the user and provides a verification means of the short message-free verification code.
In one embodiment, the method further comprises:
step S190: and acquiring the password verification payment information set in the 5G message interface by the user, wherein the password verification payment information comprises face information, fingerprint information and a password verification payment amount.
In one embodiment, deducting the collection amount from the selected account number includes:
step S132: under the condition that the collection amount is larger than the password-checking payment amount, sending a verification request to a user side for face recognition or fingerprint recognition;
step S133: acquiring a face or a fingerprint fed back by a user side, and verifying the fed face or fingerprint by using face information or fingerprint information;
step S134: and in the case of passing the verification, deducting the collection amount in the selected account number.
In one example, as shown in fig. 5, in a large-amount password-checking payment scenario, the user sets password-checking payment information in a 5G message interface, where the password-checking payment information includes face information, fingerprint information, and a password-checking payment amount, and sends the password-checking payment information to a 5G bill payment system. The merchant side uploads collection information (namely, sends a collection request) to the 5G bill payment system, wherein the collection information (the collection request) comprises a collection amount, a bill abstract, a mobile phone number of a payment user or other user identifications and the like. And the Unionpay 5G bill payment system generates a 5G bill message according to the collection information, and immediately issues the 5G bill message, issues the 5G bill message at regular time or issues the 5G bill message to the user side by user inquiry. And after the user checks the bill, the user confirms the bill for payment and notifies the 5G bill payment system in the form of an uplink message. The 5G bill payment system issues a bank card list which can be used by the user, the user selects to pay the bank card, and the 5G bill payment system is informed in the form of an uplink message. The 5G bill payment system judges that the large amount of bill payment is verified according to the amount and the scene, and the user performs the password verification operation, for example, verification modes such as a simkey card shield, face recognition, fingerprint recognition and the like can be used. And after the user completes the password verification, the 5G bill payment system completes payment deduction according to the password verification result to obtain a payment result, and sends the payment result to inform the user and the merchant. The payment safety management and verification of the user are realized, and a verification means of the short message-free verification code is provided.
In addition, the verification can be carried out in a short message mode. After the user selects the payment bank card from the bank card list, a card issuing organization of the payment bank card issues a short message verification code to the 5G bill payment system, and after the 5G bill payment system receives the short message verification code, the user identity verification is carried out according to the safety payment setting (including the setting information such as the amount, whether the password is not used and the like) of the user. For example, if the user sets a password exemption within a certain amount, the 5G bill payment system automatically analyzes the received short message verification code and uploads the short message verification code to the card issuing organization to complete the verification of the user identity.
In another embodiment, as shown in fig. 6, there is provided a payment apparatus including:
a collection request obtaining module 110, configured to obtain a collection request, where the collection request includes a collection amount and authorized user information;
the billing message sending module 120 is configured to generate a 5G billing message according to the collection request, and send the 5G billing message to the user side, so as to select a bound account according to the authorized user information;
and the payment module 130 is configured to deduct a payment amount from the selected account, and send a payment result to the user side.
In one embodiment, the method further comprises:
the system comprises a card binding request acquisition module, a card binding request processing module and a card binding request processing module, wherein the card binding request acquisition module is used for acquiring a card binding request sent by a user side, the card binding request comprises authorized user information, and the user information comprises communication signals and identity information;
the account number query module is used for querying a corresponding opened account number list according to the communication number so as to select an account number to be bound from the account number list;
the verification module is used for sending the authorized user information to a card issuing mechanism corresponding to the account to be bound so as to carry out verification;
and the account binding module is used for adding the account to the authorized user information under the condition of passing the verification.
In one embodiment, the bind request is in the form of a 5G message.
In one embodiment, the method further comprises:
and the secret payment information acquisition module is used for acquiring secret payment information set in a 5G message interface by a user, and the secret payment information comprises a payment password and a secret payment amount.
In one embodiment, the payment module comprises:
and the small payment sub-module is used for deducting the payment amount in the selected account according to the payment password under the condition that the payment amount is smaller than the password-free payment amount.
In one embodiment, the method further comprises:
and the password verification payment information acquisition module is used for acquiring password verification payment information set in the 5G message interface by the user, and the password verification payment information comprises face information, fingerprint information and a password verification payment amount.
In one embodiment, the payment module comprises:
the verification request sending submodule is used for sending a verification request to the user side to perform face recognition or fingerprint recognition under the condition that the collection amount is larger than the password verification payment amount;
the user verification sub-module is used for acquiring the face or the fingerprint fed back by the user side and verifying the fed face or the fingerprint by using the face information or the fingerprint information;
and the large amount payment sub-module is used for deducting the collection amount from the selected account number under the condition of passing the verification.
The functions of each module in each apparatus in the embodiment of the present application may refer to corresponding descriptions in the above method, and are not described herein again.
According to an embodiment of the present application, an electronic device and a readable storage medium are also provided.
As shown, a block diagram of an electronic device for a payment method according to an embodiment of the application is shown. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the present application that are described and/or claimed herein.
As shown, the electronic device includes: one or more processors 01, memory 02, and interfaces for connecting the various components, including high-speed interfaces and low-speed interfaces. The various components are interconnected using different buses and may be mounted on a common motherboard or in other manners as desired. The processor may process instructions for execution within the electronic device, including instructions stored in or on the memory to display Graphical information for a Graphical User Interface (GUI) on an external input/output device, such as a display device coupled to the Interface. In other embodiments, multiple processors and/or multiple buses may be used, along with multiple memories and multiple memories, as desired. Also, multiple electronic devices may be connected, with each device providing portions of the necessary operations (e.g., as a server array, a group of blade servers, or a multi-processor system). One processor 01 is illustrated as an example.
The memory 02 is a non-transitory computer readable storage medium provided herein. The memory stores instructions executable by the at least one processor to cause the at least one processor to perform a payment method provided herein. A non-transitory computer-readable storage medium of the present application stores computer instructions for causing a computer to perform a payment method provided herein.
Memory 02, as a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to a payment method in embodiments of the present application. The processor 01 executes various functional applications of the server and data processing by running non-transitory software programs, instructions and modules stored in the memory 02, that is, implements one of the payment methods in the above method embodiments.
The memory 02 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by use of the electronic device according to a payment method, and the like. Further, the memory 02 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory 02 may optionally include memory located remotely from the processor 01, and these remote memories may be connected to the electronic devices described above via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The electronic device may further include: an input device 03 and an output device 04. The processor 01, the memory 02, the input device 03, and the output device 04 may be connected by a bus or other means, and are illustrated as being connected by a bus.
The input device 03 may receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic apparatus, such as a touch screen, a keypad, a mouse, a track pad, a touch pad, a pointing stick, one or more mouse buttons, a track ball, a joystick, or the like. The output device 04 may include a display apparatus, an auxiliary lighting device (e.g., an LED), a tactile feedback device (e.g., a vibration motor), and the like. The display device may include, but is not limited to, a Liquid Crystal Display (LCD), a Light Emitting Diode (LED) display, and a plasma display. In some implementations, the display device can be a touch screen.
Various implementations of the systems and techniques described here can be realized in digital electronic circuitry, Integrated circuitry, Application Specific Integrated Circuits (ASICs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.
These computer programs (also known as programs, software applications, or code) include machine instructions for a programmable processor, and may be implemented using high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. As used herein, the terms "machine-readable medium" and "computer-readable medium" refer to any computer program product, apparatus, and/or device (e.g., magnetic discs, optical disks, memory, Programmable Logic Devices (PLDs)) used to provide machine instructions and/or data to a programmable processor, including a machine-readable medium that receives machine instructions as a machine-readable signal. The term "machine-readable signal" refers to any signal used to provide machine instructions and/or data to a programmable processor.
To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (Cathode Ray Tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.
The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), and the internet.
The computer system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other.
It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present application may be executed in parallel, sequentially, or in different orders, as long as the desired results of the technical solutions disclosed in the present application can be achieved, and the present invention is not limited herein.
The above-described embodiments should not be construed as limiting the scope of the present application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (16)
1. A payment method, comprising:
acquiring a collection request, wherein the collection request comprises collection amount and authorized user information;
generating a 5G bill message according to the collection request, and sending the 5G bill message to a user side so as to select a bound account according to the authorized user information;
and deducting the collection amount from the selected account, and sending the payment result to the user side.
2. The method of claim 1, further comprising:
acquiring a card binding request sent by the user side, wherein the card binding request comprises authorized user information, and the user information comprises a communication signal and identity information;
inquiring a corresponding opened account list according to the communication signal so as to select an account to be bound from the account list;
sending the authorized user information to a card issuing mechanism corresponding to the account to be bound for verification;
and adding the account number to the authorized user information under the condition of passing the verification.
3. The method of claim 2, wherein the card bind request is in the form of a 5G message.
4. The method of claim 1, further comprising:
and acquiring the secret-free payment information set in the 5G message interface by the user, wherein the secret-free payment information comprises a payment password and a secret-free payment amount.
5. The method of claim 4, wherein deducting the collection amount from the selected account number comprises:
and deducting the collection amount in the selected account according to the payment password under the condition that the collection amount is smaller than the password-free payment amount.
6. The method of claim 1, further comprising:
and acquiring the password verification payment information set in the 5G message interface by the user, wherein the password verification payment information comprises face information, fingerprint information and a password verification payment amount.
7. The method of claim 6, wherein deducting the collection amount from the selected account number comprises:
under the condition that the collection amount is larger than the password verification payment amount, sending a verification request to the user side for face recognition or fingerprint recognition;
acquiring a face or a fingerprint fed back by the user side, and verifying the fed face or the fingerprint by using the face information or the fingerprint information;
and in the case of passing the verification, deducting the collection amount in the selected account number.
8. A payment device, comprising:
the system comprises a collection request acquisition module, a collection processing module and a processing module, wherein the collection request acquisition module is used for acquiring a collection request, and the collection request comprises collection amount and authorized user information;
the bill message sending module is used for generating a 5G bill message according to the collection request, sending the 5G bill message to the user side and selecting a bound account according to the authorized user information;
and the payment module is used for deducting the collection amount from the selected account and sending a payment result to the user side.
9. The apparatus of claim 8, further comprising:
the system comprises a card binding request acquisition module, a card binding request processing module and a card binding request processing module, wherein the card binding request acquisition module is used for acquiring a card binding request sent by a user side, the card binding request comprises authorized user information, and the user information comprises a communication signal and identity information;
the account number query module is used for querying a corresponding opened account number list according to the communication number so as to select an account number to be bound from the account number list;
the verification module is used for sending the authorized user information to a card issuing mechanism corresponding to the account to be bound for verification;
and the account binding module is used for adding the account to the authorized user information under the condition of passing the verification.
10. The apparatus of claim 9, wherein the card bind request is in the form of a 5G message.
11. The apparatus of claim 9, further comprising:
and the secret payment information acquisition module is used for acquiring secret payment information set in a 5G message interface by a user, and the secret payment information comprises a payment password and a secret payment amount.
12. The apparatus of claim 11, wherein the payment module comprises:
and the small amount payment sub-module is used for deducting the collection amount according to the payment password in the selected account under the condition that the collection amount is smaller than the password-free payment amount.
13. The apparatus of claim 9, further comprising:
and the password verification payment information acquisition module is used for acquiring password verification payment information set in a 5G message interface by a user, and the password verification payment information comprises face information, fingerprint information and a password verification payment amount.
14. The apparatus of claim 13, wherein the payment module comprises:
the verification request sending submodule is used for sending a verification request to the user side to perform face recognition or fingerprint recognition under the condition that the collection amount is larger than the password verification payment amount;
the user verification sub-module is used for acquiring the face or the fingerprint fed back by the user side and verifying the fed back face or the fingerprint by using the face information or the fingerprint information;
and the large amount payment sub-module is used for deducting the collection amount from the selected account number under the condition of passing the verification.
15. An electronic device, comprising:
at least one processor; and a memory communicatively coupled to the at least one processor;
wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-7.
16. A non-transitory computer readable storage medium having stored thereon computer instructions for causing the computer to perform the method of any one of claims 1-7.
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