CN113259866A - Mobile phone bank payment verification method and wearable bracelet - Google Patents
Mobile phone bank payment verification method and wearable bracelet Download PDFInfo
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- CN113259866A CN113259866A CN202110538264.2A CN202110538264A CN113259866A CN 113259866 A CN113259866 A CN 113259866A CN 202110538264 A CN202110538264 A CN 202110538264A CN 113259866 A CN113259866 A CN 113259866A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/12—Messaging; Mailboxes; Announcements
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/30—Services specially adapted for particular environments, situations or purposes
- H04W4/35—Services specially adapted for particular environments, situations or purposes for the management of goods or merchandise
Abstract
The invention discloses a mobile banking payment verification method and a wearable bracelet, which can be used in the technical field of mobile interconnection, wherein the method comprises the following steps: the wearable bracelet receives an image verification activation instruction sent by a user terminal; the wearable bracelet acquires finger vein distribution images according to the image verification activation instruction; the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after a user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated by the 5G message center after a user sets a mobile phone bank payment mode; and the wearable bracelet performs mobile banking payment verification according to the comparison result. The invention can carry out payment verification of the mobile phone bank, avoids safety problems such as password loss, password embezzlement, short message verification code cracking and the like, simplifies the operation process and improves the user experience.
Description
Technical Field
The invention relates to the technical field of mobile internet, in particular to a mobile banking payment verification method and a wearable bracelet.
Background
With the rapid development of internet finance, online financial services become a place for banks, most of the existing payment verification of mobile phone banks is verified by short message verification codes and reserved payment passwords, so that the safety problems of password loss, password embezzlement, short message verification code cracking and the like exist, a user needs to manually input verification, the process is complicated, and the user experience is poor.
Therefore, a mobile banking payment verification scheme that can overcome the above problems is needed.
Disclosure of Invention
The embodiment of the invention provides a mobile banking payment verification method, which is used for performing mobile banking payment verification, avoiding safety problems of password loss, password embezzlement, short message verification code cracking and the like, simplifying the operation process and improving the user experience, and comprises the following steps:
the wearable bracelet receives an image verification activation instruction sent by a user terminal, wherein the image verification activation instruction is sent by the user terminal after receiving a payment 5G message sent by a 5G message center, and the payment 5G message is generated by the 5G message center after receiving a payment request;
the wearable bracelet acquires a finger vein distribution image according to the image verification activation instruction;
the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after a user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated after a mobile phone bank payment mode is set by the user through the 5G message center;
and the wearable bracelet performs mobile banking payment verification according to the comparison result.
The embodiment of the invention provides a wearable bracelet, which is used for carrying out payment verification of a mobile phone bank, avoiding safety problems of password loss, password embezzlement, short message verification code cracking and the like, simplifying the operation process and improving the user experience, and comprises the following components:
the system comprises an instruction receiving module, an image verification activating module and a payment processing module, wherein the instruction receiving module is used for receiving an image verification activating instruction sent by a user terminal, the image verification activating instruction is sent by the user terminal after receiving a payment 5G message sent by a 5G message center, and the payment 5G message is generated by the 5G message center after receiving a payment request;
the image acquisition module is used for acquiring a finger vein distribution image according to the image verification activation instruction;
the image comparison module is used for comparing the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after the user terminal receives a recording 5G message sent by the 5G message center, and the recording 5G message is generated after the user sets a mobile phone bank payment mode by the 5G message center;
and the payment verification module is used for performing payment verification of the mobile phone bank according to the comparison result.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor realizes the mobile banking payment verification method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the mobile banking payment verification method.
The image verification activation instruction sent by the user terminal is received through the wearable bracelet, the image verification activation instruction is sent after the user terminal receives a payment 5G message sent by a 5G message center, and the payment 5G message is generated after the 5G message center receives a payment request; the wearable bracelet acquires a finger vein distribution image according to the image verification activation instruction; the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after a user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated after a mobile phone bank payment mode is set by the user through the 5G message center; and the wearable bracelet performs mobile banking payment verification according to the comparison result. The embodiment of the invention is based on the technical characteristics of biological identification, namely the finger vein distribution image of each person has uniqueness, when a user wants to perform mobile banking payment verification, the currently operated finger vein distribution image of the user is collected and verified according to 5G messages in the payment process, manual input verification by the user is not needed, non-inductive payment is realized, the user experience is good, the 5G messages are used for replacing network message transmission in the process, and the safety problems of password loss, password embezzlement, short message verification code cracking and the like are avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic diagram of a payment verification method of a mobile banking machine according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of another mobile banking payment verification method for collecting finger vein distribution images according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of another preset image of a payment verification method for a mobile banking system according to an embodiment of the present invention;
FIG. 4 is a diagram of a wearable bracelet structure according to an embodiment of the invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
First, terms appearing in the embodiments of the present invention are introduced:
in order to perform payment verification for a mobile banking, avoid security problems such as password loss, password embezzlement, short message verification code cracking, etc., simplify an operation process, and improve user experience, an embodiment of the present invention provides a payment verification method for a mobile banking, which may include:
102, the wearable bracelet acquires a finger vein distribution image according to the image verification activation instruction;
103, the wearable bracelet compares the finger vein distribution image with a preset image, wherein the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after the user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated after the user sets a mobile phone bank payment mode by the 5G message center;
and step 104, the wearable bracelet performs mobile banking payment verification according to the comparison result.
As shown in fig. 1, in the embodiment of the present invention, an image verification activation instruction sent by a user terminal is received through a wearable bracelet, where the image verification activation instruction is sent after the user terminal receives a payment 5G message sent by a 5G message center, and the payment 5G message is generated after the 5G message center receives a payment request; the wearable bracelet acquires a finger vein distribution image according to the image verification activation instruction; the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after a user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated after a mobile phone bank payment mode is set by the user through the 5G message center; and the wearable bracelet performs mobile banking payment verification according to the comparison result. The embodiment of the invention is based on the technical characteristics of biological identification, namely the finger vein distribution image of each person has uniqueness, when a user wants to perform mobile banking payment verification, the currently operated finger vein distribution image of the user is collected and verified according to 5G messages in the payment process, manual input verification by the user is not needed, non-inductive payment is realized, the user experience is good, the 5G messages are used for replacing network message transmission in the process, and the safety problems of password loss, password embezzlement, short message verification code cracking and the like are avoided.
In the embodiment, the wearable bracelet receives an image verification activation instruction sent by a user terminal, wherein the image verification activation instruction is sent by the user terminal after receiving a payment 5G message sent by a 5G message center, and the payment 5G message is generated by the 5G message center after receiving a payment request; the wearable bracelet acquires finger vein distribution images according to the image verification activation instruction.
In this embodiment, as shown in fig. 2, the receiving, by the wearable bracelet, an image verification activation instruction sent by the user terminal includes: 105, the wearable bracelet receives an image verification activation instruction sent by the user terminal in a Bluetooth information form;
the wearable bracelet is according to the image verification activation instruction gathers finger vein distribution image, includes: 106, the wearable bracelet acquires a finger vein distribution image after performing Bluetooth connection with the user terminal according to the image verification activation instruction;
in an embodiment, the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording activation instruction, the image recording activation instruction is sent to the wearable bracelet after the user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated by the 5G message center after a user sets a mobile banking payment mode.
The finger vein distribution image is a vein blood vessel image formed by collecting the absorption of near infrared light by proteins in finger flowing blood, and the finger vein structure of each person is different.
In specific implementation, firstly, respectively extracting the characteristics of the finger vein distribution image and the preset image by adopting filtering processing, image binarization and thinning processing means to obtain the characteristic values of the finger vein distribution image and the preset image; and comparing the characteristic values of the finger vein distribution image and the preset image by adopting a matching algorithm so as to finish identity authentication.
In this embodiment, the listing 5G message is generated by the 5G message center after the user sets a mobile banking payment mode, and includes:
the included 5G message is generated by a 5G message center after a mobile phone bank payment mode is set as a finger vein distribution image payment mode by a user.
In this embodiment, as shown in fig. 3, the image recording activation instruction is sent to the wearable bracelet by the user terminal after receiving the recording 5G message sent by the 5G message center, and includes: step 107, the image recording activation instruction is sent to the wearable bracelet in a Bluetooth information form after the user terminal receives the recording 5G message sent by the 5G message center;
the preset image is collected by the wearable bracelet according to the image recording and activating instruction, and comprises the following steps: and step 108, the preset image is acquired after the wearable bracelet collects and activates instructions according to the image and is connected with the user terminal through Bluetooth.
In the embodiment, the wearable bracelet performs mobile banking payment verification according to the comparison result.
In this embodiment, wearable bracelet carries out mobile banking payment check-up according to the result of comparing, includes:
and sending the comparison result of the wearable bracelet to the user terminal, wherein the comparison result is used for confirming whether the wearable bracelet is the same person by the user terminal, and if the wearable bracelet is the same person, generating a result 5G message and feeding back the result to the 5G message center.
A specific embodiment is given below to illustrate a specific application of the mobile banking payment verification in the embodiment of the present invention. In the specific embodiment, the mobile banking payment verification is performed according to the following steps:
1. when a user sets a mobile phone bank payment method, if the finger vein distribution image payment is selected, a 5G message center sends a recording 5G message for recording the finger vein distribution image of the user to a mobile phone of the user;
2. after the user receives the information, activating a wearable bracelet issued by a bank in advance according to the 5G information and collecting finger vein distribution images;
3. and storing the collected finger vein distribution image as a preset image in a later payment transaction.
4. When a user carries out a certain transaction and needs to carry out payment verification, a payment request is sent to a 5G message center, a 5G message center generates a payment 5G message, and the payment 5G message is sent to a mobile phone of the user;
5. after receiving the 5G message, the mobile phone of the user activates the bracelet by using the Bluetooth signal, and the user puts fingers on a finger vein image collection component in the bracelet to finish finger vein collection;
6. carrying out consistency comparison on the finger vein distribution image and a preset image;
7. sending the comparison result to the user terminal;
8. if the user terminal is the same person, the user terminal generates a message and feeds the message back to the 5G message center to finish payment.
According to the mobile phone bank payment verification provided by the embodiment of the invention, when a user sets a mobile phone bank payment method, if the user selects finger vein distribution image payment, a 5G message center sends a recording 5G message of recording the finger vein distribution image of the user to the mobile phone of the user, and after the user receives the message, the mobile phone activates the bracelet, records the finger vein distribution image for the first time, and stores the message in the bracelet. When the user needs to perform payment verification, a 5G message verification center sends a payment 5G message to a mobile phone of the user, a bracelet is called to collect a finger vein distribution image of the current user, consistency verification is performed on the finger vein distribution image and a reserved finger vein distribution image, and if the verification is passed, payment is completed. The whole process is not sensible to users.
The embodiment of the invention can effectively solve the safety problems of password loss, password embezzlement and short message verification code cracking caused by the fact that the short message verification code and the reserved payment password are required to be verified in the APP in the prior art, does not need to be manually input and verified by a user, realizes non-inductive payment and has good user experience. In addition, in the traditional http/https message transmission, the transmission process has the risk of being tampered. The embodiment of the invention uses the 5G message, thereby avoiding the interception and tampering of the traditional http and https messages.
Based on the same inventive concept, the embodiment of the invention also provides a wearable bracelet, as described in the following embodiments. Because the principles of solving the problems are similar to the payment verification method of the mobile phone bank, the implementation of the wearable bracelet can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 4 is a structural diagram of a wearable bracelet in an embodiment of the present invention, and as shown in fig. 4, the wearable bracelet includes:
the instruction receiving module 401 is configured to receive an image verification activation instruction sent by a user terminal, where the image verification activation instruction is sent by the user terminal after receiving a payment 5G message sent by a 5G message center, and the payment 5G message is generated by the 5G message center after receiving a payment request;
an image acquisition module 402, configured to acquire a finger vein distribution image according to the image verification activation instruction;
an image comparison module 403, configured to compare the finger vein distribution image with a preset image, where the preset image is acquired by the wearable bracelet according to an image recording activation instruction, the image recording activation instruction is sent to the wearable bracelet after the user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated by the 5G message center after the user sets a mobile banking payment mode;
and the payment checking module 404 is configured to perform payment checking for the mobile banking according to the comparison result.
In one embodiment, the listing 5G message is generated by a 5G message center after a user sets a mobile banking payment mode, and includes:
the included 5G message is generated by a 5G message center after a mobile phone bank payment mode is set as a finger vein distribution image payment mode by a user.
In one embodiment, the instruction receiving module 401 is further configured to: the wearable bracelet receives an image verification activation instruction sent by a user terminal in a Bluetooth information form;
the image recording activation instruction is sent to the wearable bracelet after the user terminal receives the recording 5G message sent by the 5G message center, and the image recording activation instruction comprises the following steps: the image receiving and recording activation instruction is sent to the wearable bracelet in a Bluetooth information mode after the user terminal receives the receiving and recording 5G message sent by the 5G message center;
the preset image is collected by the wearable bracelet according to the image recording and activating instruction, and comprises the following steps: the preset image is acquired after the wearable bracelet collects and records an activation instruction according to the image and is connected with the user terminal through Bluetooth.
In one embodiment, the payment verification module 404 is further configured to:
and sending the comparison result of the wearable bracelet to the user terminal, wherein the comparison result is used for confirming whether the wearable bracelet is the same person by the user terminal, and if the wearable bracelet is the same person, generating a result 5G message and feeding back the result to the 5G message center.
In summary, in the embodiment of the present invention, an image verification activation instruction sent by a user terminal is received through a wearable bracelet, the image verification activation instruction is sent after the user terminal receives a payment 5G message sent by a 5G message center, and the payment 5G message is generated after the 5G message center receives a payment request; the wearable bracelet acquires a finger vein distribution image according to the image verification activation instruction; the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after a user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated after a mobile phone bank payment mode is set by the user through the 5G message center; and the wearable bracelet performs mobile banking payment verification according to the comparison result. The embodiment of the invention is based on the technical characteristics of biological identification, namely the finger vein distribution image of each person has uniqueness, when a user wants to perform mobile banking payment verification, the currently operated finger vein distribution image of the user is collected and verified according to 5G messages in the payment process, manual input verification by the user is not needed, non-inductive payment is realized, the user experience is good, the 5G messages are used for replacing network message transmission in the process, and the safety problems of password loss, password embezzlement, short message verification code cracking and the like are avoided.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored on the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned mobile banking payment verification method.
Based on the above inventive concept, the present invention provides a computer-readable storage medium, which stores a computer program, and the computer program, when executed by a processor, implements the foregoing mobile banking payment verification method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A mobile banking payment verification method is characterized by comprising the following steps:
the wearable bracelet receives an image verification activation instruction sent by a user terminal, wherein the image verification activation instruction is sent by the user terminal after receiving a payment 5G message sent by a 5G message center, and the payment 5G message is generated by the 5G message center after receiving a payment request;
the wearable bracelet acquires a finger vein distribution image according to the image verification activation instruction;
the wearable bracelet compares the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after a user terminal receives a recording 5G message sent by a 5G message center, and the recording 5G message is generated after a mobile phone bank payment mode is set by the user through the 5G message center;
and the wearable bracelet performs mobile banking payment verification according to the comparison result.
2. The mobile banking payment verification method of claim 1, wherein the listing 5G message is generated by a 5G message center after a user sets a mobile banking payment mode, and comprises:
the included 5G message is generated by a 5G message center after a mobile phone bank payment mode is set as a finger vein distribution image payment mode by a user.
3. The mobile banking payment verification method of claim 1, wherein the wearable bracelet receives an image verification activation instruction sent by a user terminal, and comprises: the wearable bracelet receives an image verification activation instruction sent by a user terminal in a Bluetooth information form;
the wearable bracelet is according to the image verification activation instruction gathers finger vein distribution image, includes: the wearable bracelet acquires finger vein distribution images after performing Bluetooth connection with the user terminal according to the image verification activation instruction;
the image recording activation instruction is sent to the wearable bracelet after the user terminal receives the recording 5G message sent by the 5G message center, and the image recording activation instruction comprises the following steps: the image receiving and recording activation instruction is sent to the wearable bracelet in a Bluetooth information mode after the user terminal receives the receiving and recording 5G message sent by the 5G message center;
the preset image is collected by the wearable bracelet according to the image recording and activating instruction, and comprises the following steps: the preset image is acquired after the wearable bracelet collects and records an activation instruction according to the image and is connected with the user terminal through Bluetooth.
4. The mobile banking payment verification method of claim 1, wherein the wearable bracelet performs mobile banking payment verification according to the comparison result, and comprises:
and sending the comparison result of the wearable bracelet to the user terminal, wherein the comparison result is used for confirming whether the wearable bracelet is the same person by the user terminal, and if the wearable bracelet is the same person, generating a result 5G message and feeding back the result to the 5G message center.
5. A wearable bracelet, comprising:
the system comprises an instruction receiving module, an image verification activating module and a payment processing module, wherein the instruction receiving module is used for receiving an image verification activating instruction sent by a user terminal, the image verification activating instruction is sent by the user terminal after receiving a payment 5G message sent by a 5G message center, and the payment 5G message is generated by the 5G message center after receiving a payment request;
the image acquisition module is used for acquiring a finger vein distribution image according to the image verification activation instruction;
the image comparison module is used for comparing the finger vein distribution image with a preset image, the preset image is acquired by the wearable bracelet according to an image recording and activating instruction, the image recording and activating instruction is sent to the wearable bracelet after the user terminal receives a recording 5G message sent by the 5G message center, and the recording 5G message is generated after the user sets a mobile phone bank payment mode by the 5G message center;
and the payment verification module is used for performing payment verification of the mobile phone bank according to the comparison result.
6. The wearable bracelet of claim 5, wherein the listing 5G message is generated by a 5G message center after a user sets a cell phone banking payment method, comprising:
the included 5G message is generated by a 5G message center after a mobile phone bank payment mode is set as a finger vein distribution image payment mode by a user.
7. The wearable bracelet of claim 5, wherein the instruction receiving module is further to: the wearable bracelet receives an image verification activation instruction sent by a user terminal in a Bluetooth information form;
the image acquisition module is further configured to: the wearable bracelet acquires finger vein distribution images after performing Bluetooth connection with the user terminal according to the image verification activation instruction;
the image recording activation instruction is sent to the wearable bracelet after the user terminal receives the recording 5G message sent by the 5G message center, and the image recording activation instruction comprises the following steps: the image receiving and recording activation instruction is sent to the wearable bracelet in a Bluetooth information mode after the user terminal receives the receiving and recording 5G message sent by the 5G message center;
the preset image is collected by the wearable bracelet according to the image recording and activating instruction, and comprises the following steps: the preset image is acquired after the wearable bracelet collects and records an activation instruction according to the image and is connected with the user terminal through Bluetooth.
8. The wearable bracelet of claim 5, wherein the payment verification module is further to:
and sending the comparison result of the wearable bracelet to the user terminal, wherein the comparison result is used for confirming whether the wearable bracelet is the same person by the user terminal, and if the wearable bracelet is the same person, generating a result 5G message and feeding back the result to the 5G message center.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN202110538264.2A CN113259866B (en) | 2021-05-18 | 2021-05-18 | Mobile phone bank payment verification method and wearable bracelet |
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Cited By (2)
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| US11308473B2 (en) * | 2018-04-20 | 2022-04-19 | Banks And Acquirers International Holding | Device for determining a transactional device, corresponding method and computer program |
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| CN113259866B (en) | 2022-10-18 |
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