CN115204864A

CN115204864A - Display method of payment interface, related device, equipment and storage medium

Info

Publication number: CN115204864A
Application number: CN202110378375.1A
Authority: CN
Inventors: 颜悦强; 李子树
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2021-04-08
Filing date: 2021-04-08
Publication date: 2022-10-18

Abstract

The application discloses a display method of a payment interface, which specifically comprises the following steps: detecting a first operation action and a second operation action aiming at the terminal equipment; if the first operation action and the second operation action meet the payment awakening condition, starting the biological characteristic acquisition device; acquiring information to be verified of a target object through a biological characteristic acquisition device; and if the information to be verified is successfully matched with the pre-stored information, displaying a mobile payment interface, wherein a payment code is displayed on the mobile payment interface. The application also provides a related device, equipment and a storage medium. According to the method and the device, when the terminal equipment is in the locking state, the payment application can be directly started in a keyless operation mode, so that the convenience of payment is effectively improved. Meanwhile, the payment application is started at the background while the user unlocks the terminal device, so that the unlocked terminal device directly enters a mobile payment interface, and the payment efficiency is improved.

Description

Display method of payment interface, related device, equipment and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method, a related apparatus, a device, and a storage medium for displaying a payment interface.

Background

Today, code scanning payment has become the most important payment method for people. When shopping payment is carried out in usual, payment can be finished by scanning the payment application in the mobile phone without carrying cash and the like to change with a merchant. The efficiency of payment is greatly improved by scanning the code payment offline, and the common code payment of scanning mainly comprises two modes of scanning mainly and scanning.

Currently, the main mobile payment schemes include Pay for pal, wechat Pay, google Pay (Google Pay), and Apple Pay (Apple Pay), among others. In these payment schemes, the payer needs to unlock the mobile phone screen, then open the corresponding payment application, and finally select the payment code display function from the payment application, so as to perform code scanning payment.

However, the whole payment process is cumbersome, and especially for people with poor eyesight or older age, much time is often spent on completing the whole payment process, and the convenience brought by mobile payment is difficult to enjoy, so that the convenience of mobile payment is poor, and the time consumption is long.

Disclosure of Invention

The embodiment of the application provides a display method of a payment interface, a related device, equipment and a storage medium, and payment application can be directly started in a keyless operation mode when terminal equipment is in a locked state, so that the convenience of payment is effectively improved. Meanwhile, the payment application is started in the background when the user unlocks the terminal device, so that the unlocked terminal device directly enters a mobile payment interface, and the payment efficiency is improved.

In view of the above, an aspect of the present application provides a method for displaying a payment interface, including:

detecting a first operation action and a second operation action aiming at the terminal equipment;

if the first operation action and the second operation action meet the payment awakening condition, starting a biological characteristic acquisition device, wherein the biological characteristic acquisition device comprises at least one of an image acquisition device, a fingerprint acquisition device, an iris acquisition device and a voiceprint acquisition device;

acquiring information to be verified of a target object through a biological characteristic acquisition device;

and if the information to be verified is successfully matched with the pre-stored information, displaying a mobile payment interface, wherein a payment code is displayed on the mobile payment interface.

Another aspect of the present application provides a payment interface display apparatus, including:

the detection module is used for detecting a first operation action and a second operation action aiming at the terminal equipment;

the starting module is used for starting the biological characteristic acquisition device if the first operation action and the second operation action meet the payment awakening condition, wherein the biological characteristic acquisition device comprises at least one of an image acquisition device, a fingerprint acquisition device, an iris acquisition device and a voiceprint acquisition device;

the acquisition module is used for acquiring information to be verified of the target object through the biological characteristic acquisition device;

and the display module is used for displaying a mobile payment interface if the information to be verified is successfully matched with the pre-stored information, wherein the payment code is displayed on the mobile payment interface.

In one possible design, in another implementation manner of another aspect of the embodiment of the present application, the payment interface display device further includes an identification module and a determination module;

the identification module is used for identifying the first operation action and the second operation action;

the determining module is used for determining that the first operation action and the second operation action meet the payment awakening condition if the first operation action is shaking operation and the second operation action is turning operation;

alternatively, the first and second liquid crystal display panels may be,

the identification module is also used for identifying the first operation action and the second operation action;

the determining module is further configured to determine that the first operation action and the second operation action meet the payment awakening condition if the first operation action is a turning operation and the second operation action is a shaking operation;

alternatively, the first and second liquid crystal display panels may be,

the determining module is further used for determining that the first operation action and the second operation action meet the payment awakening condition if the first operation action is shaking operation and the second operation action is screen pressing operation;

alternatively, the first and second electrodes may be,

the determining module is further configured to determine that the first operation action and the second operation action meet the payment awakening condition if the first operation action is a flip operation and the second operation action is a screen pressing operation.

In one possible design, in another implementation of another aspect of an embodiment of the present application,

the display module is further used for responding to an operation instruction aiming at the operation setting control and displaying an operation setting interface, wherein a first control, a second control, a third control and a fourth control are displayed on the operation setting interface;

the determining module is further used for determining that the first operation action is shaking operation and the second operation action is turning operation when the payment awakening condition is met if the selecting instruction aiming at the first control is responded;

the determining module is further used for determining that the first operation action is a turning operation and the second operation action is a shaking operation when the payment awakening condition is met if the selecting instruction aiming at the second control is responded;

the determining module is further used for determining that the first operation action is shaking operation and the second operation action is screen pressing operation when the payment awakening condition is met if the selection instruction aiming at the first control is responded;

the determining module is further configured to determine that the first operation action meeting the payment awakening condition is a turning operation and the second operation action is a screen pressing operation if the selection instruction for the first control is responded.

the starting module is specifically used for displaying a screen unlocking interface if the first operation action and the second operation action meet the payment awakening condition, wherein a prompt message for information acquisition is displayed on the screen unlocking interface;

detecting the display duration of a screen unlocking interface;

and if the display duration reaches the duration threshold, starting the biological characteristic acquisition device.

the starting module is specifically used for displaying at least one of a first prompt message, a second prompt message, a third prompt message and a fourth prompt message through the screen unlocking interface, wherein the first prompt message is used for prompting to start the image acquisition device, the second prompt message is used for prompting to start the fingerprint acquisition device, the third prompt message is used for prompting to start the iris acquisition device, and the fourth prompt message is used for prompting to start the voiceprint acquisition device.

the acquisition module is specifically used for acquiring a to-be-verified face image corresponding to the target object through the image acquisition device;

sending the face image to be verified and the object identification of the target object to a server, so that the server obtains a pre-stored face image according to the object identification of the target object, and matching the face image to be verified and the pre-stored face image;

alternatively, the first and second electrodes may be,

the acquisition module is specifically used for acquiring a fingerprint image to be verified corresponding to the target object through the fingerprint acquisition device;

sending the fingerprint image to be verified and the object identification of the target object to a server, so that the server acquires a pre-stored fingerprint image according to the object identification of the target object, and matching the fingerprint image to be verified and the pre-stored fingerprint image;

alternatively, the first and second liquid crystal display panels may be,

the acquisition module is specifically used for acquiring an iris image to be verified corresponding to a target object through the iris acquisition device;

sending the iris image to be verified and the object identification of the target object to a server, so that the server acquires a pre-stored iris image according to the object identification of the target object and performs matching processing on the iris image to be verified and the pre-stored iris image;

alternatively, the first and second liquid crystal display panels may be,

the acquisition module is specifically used for acquiring the voiceprint information to be verified corresponding to the target object through the voiceprint acquisition device;

and sending the voiceprint information to be verified and the object identifier of the target object to the server, so that the server acquires pre-stored voiceprint information according to the object identifier of the target object, and matching the voiceprint information to be verified and the pre-stored voiceprint information.

acquiring a pre-stored face image according to the object identification of the target object;

matching the facial image to be verified and a pre-stored facial image;

alternatively, the first and second electrodes may be,

acquiring a pre-stored fingerprint image according to the object identifier of the target object;

matching the fingerprint image to be verified and a pre-stored fingerprint image;

alternatively, the first and second liquid crystal display panels may be,

acquiring a pre-stored iris image according to the object identification of the target object;

matching the iris image to be verified and a pre-stored iris image;

alternatively, the first and second electrodes may be,

acquiring pre-stored voiceprint information according to the object identification of the target object;

and matching the voiceprint information to be verified and the pre-stored voiceprint information.

the display module is specifically used for generating an offline payment code if the display module is not connected to the network within a preset time, wherein the payment code comprises offline payment;

displaying a mobile payment interface including a common payment code;

the display module is also used for displaying a notification message of successful payment if the payment amount is less than the upper limit value of the payment amount after the mobile payment interface is displayed;

and the display module is also used for determining a payment transaction result according to the authority of the target object, the account residual amount of the target object and the offline duration if the payment amount is greater than or equal to the upper limit value of the amount after the mobile payment interface is displayed.

the display module is specifically used for displaying a notification message of payment failure if the account residual amount of the target object is smaller than the upper limit value of the amount;

if the offline duration is greater than or equal to the duration upper limit value, displaying a notification message of payment failure;

if the authority of the target object is not the highest authority, displaying a notification message of payment failure;

and if the account residual amount of the target object is greater than or equal to the upper limit of the amount, the offline duration is less than the upper limit of the duration, and the authority of the target object is the highest authority, displaying a notification message of successful payment.

the display module is specifically used for generating a common payment code if the display module is in a network connection state or is connected to a network within a preset time, wherein the payment code comprises the common payment code;

displaying a mobile payment interface comprising a common payment code;

the display module is also used for displaying a notification message of successful payment if the account residual amount of the target object is greater than or equal to the payment amount after the mobile payment interface is displayed;

and the display module is also used for displaying a notification message of payment failure if the account remaining amount of the target object is less than the payment amount after the mobile payment interface is displayed.

In one possible design, in another implementation manner of another aspect of the embodiment of the present application, the payment interface display device further includes a sending module;

the sending module is used for sending a payment request to the first service server if the first code scanning device scans the payment code after the display module displays the mobile payment interface so that the first service server deducts the payment amount from the account residual amount of the target object according to the payment request;

and the sending module is further used for sending a payment request to the second service server after the display module displays the mobile payment interface and if the second code scanning device scans the payment code, so that the second service server deducts payment amount from the account residual amount of the target object according to the payment request, wherein the second service server and the first service server belong to servers used by different services.

In one possible design, in another implementation manner of another aspect of the embodiment of the present application, the payment interface display apparatus further includes a binding module;

the display module is also used for responding to an operation instruction aiming at the service setting control and displaying a service setting interface, wherein the service setting interface displays the service control to be bound with the service;

and the binding module is used for responding to the selection instruction aiming at the service control and binding the payment code corresponding to the service to be bound with the payment code corresponding to the original service.

Another aspect of the present application provides a terminal device, including: a memory, a processor, and a bus system;

wherein, the memory is used for storing programs;

a processor for executing the program in the memory, the processor for performing the above-described aspects of the method according to instructions in the program code;

the bus system is used for connecting the memory and the processor so as to enable the memory and the processor to communicate.

Another aspect of the present application provides a computer-readable storage medium having instructions stored thereon, which, when executed on a computer, cause the computer to perform the method of the above-described aspects.

In another aspect of the application, a computer program product or computer program is provided, the computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and executes the computer instructions, so that the computer device executes the method provided by the above aspects.

According to the technical scheme, the embodiment of the application has the following advantages:

the embodiment of the application provides a display method of a payment interface, which includes the steps of detecting a first operation action and a second operation action aiming at a terminal device, starting a biological characteristic acquisition device if the first operation action and the second operation action meet a payment awakening condition, then obtaining information to be verified of a target object through the biological characteristic acquisition device, and displaying a mobile payment interface if the information to be verified is successfully matched with pre-stored information, wherein a payment code is displayed on the mobile payment interface. Through the mode, the payment application can be directly started in a keyless operation mode when the terminal equipment is in the locking state, so that the payment convenience is effectively improved. Meanwhile, the payment application is started at the background while the user unlocks the terminal device, so that the unlocked terminal device directly enters a mobile payment interface, and the payment efficiency is improved.

Drawings

FIG. 1 is a schematic diagram of an architecture of a payment system in an embodiment of the present application;

FIG. 2 is a schematic overall flow chart of mobile payment in the embodiment of the present application;

FIG. 3 is a schematic diagram of an embodiment of a display method of a payment interface in an embodiment of the application;

FIG. 4 is a schematic diagram of a mobile payment interface in an embodiment of the present application;

FIG. 5 is a schematic diagram illustrating a comparison between a pay-by-key process and a pay-by-key process in an embodiment of the present application;

fig. 6 is a schematic diagram of a terminal device performing a shaking operation in the embodiment of the present application;

fig. 7 is a schematic diagram of a terminal device performing a flipping operation in the embodiment of the present application;

FIG. 8 is a schematic diagram of a terminal device in an embodiment of the present application performing a screen pressing operation;

fig. 9 is a schematic diagram of a terminal device in the embodiment of the present application performing a shake operation and a screen press operation;

fig. 10 is a schematic diagram of a terminal device in the embodiment of the present application executing a flip operation and a screen pressing operation;

FIG. 11 is a schematic view of an operation setup interface in an embodiment of the present application;

FIG. 12 is a schematic diagram of a screen unlock interface in an embodiment of the present application;

FIG. 13 is a schematic diagram illustrating an online payment process in accordance with an embodiment of the present application in comparison with a payment process of the present application;

FIG. 14 is a schematic diagram illustrating a comparison between the use of non-uniform payment codes in the embodiments of the present application and the payment process of the present application;

FIG. 15 is a schematic diagram of a service provisioning interface in an embodiment of the present application;

FIG. 16 is a schematic view of a payment interface display device in an embodiment of the subject application;

fig. 17 is a schematic structural diagram of a terminal device in the embodiment of the present application.

Detailed Description

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be appreciated that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be implemented, for example, in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "corresponding" and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

The technology of code scanning and mobile payment for traveling originally bringing convenience to the life of people becomes a threshold which is difficult for some old people to cross. Because the smart phone is not used or is not used to, the convenience of science and technology is hard to enjoy. In the field of mobile payment, many old people, people with poor eyesight and people who are not skilled in technology still do not use mobile payment for various reasons, which causes inconvenience in the society that is becoming cashless.

In order to help more people to better integrate into the intelligent era, the application provides a display method of a payment interface, which is applied to the payment system shown in fig. 1, as shown in the figure, the payment system comprises a server and a terminal device, and a client is deployed on the terminal device. The server related to the application can be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, and can also be a cloud server providing basic cloud computing services such as cloud service, a cloud database, cloud computing, cloud function, cloud storage, network service, cloud communication, middleware service, domain name service, security service, content Delivery Network (CDN), big data, an artificial intelligence platform and the like. The terminal device may be, but is not limited to, a smart phone, a tablet computer, a notebook computer, a palm computer, a personal computer, a smart television, a smart watch, a vehicle-mounted device, and the like. The terminal device and the server may be directly or indirectly connected through wired or wireless communication, and the application is not limited herein. The number of servers and terminal devices is not limited.

Based on the payment system shown in fig. 1, the user performs a first operation action and a second operation action on the terminal device, and after the payment evoking condition is met, the verification stage can be entered. And then, the biological characteristic information of the user is verified, and after the verification is successful, the terminal equipment pulls up the mobile payment interface of the payment application, and the payment code is displayed on the mobile payment interface. The user may use the payment code to complete payment for one or more services. For example, the user purchases a commodity by using the payment code, and after the purchase is successful, the payment server sends payment information to the service a server. In addition, the user can also use the payment code to ride a vehicle, and after ticket buying is successful, the payment server sends payment information to the service B server.

Referring to fig. 2, a flow of implementing mobile payment in the present application will be described, where fig. 2 is a schematic overall flow diagram of mobile payment in an embodiment of the present application, as shown in the figure, specifically:

in step S1, the terminal device is in a standby state.

In step S2, the terminal device detects the first operation action and the second operation action.

In step S3, if the first operation action and the second operation action satisfy the payment awakening condition, the terminal device is automatically awakened, and meanwhile, the background of the terminal device starts the payment application.

In step S4, the unlocking function of the terminal device and the unlocking function of the payment application are combined.

In step S5, the unlocked payment application is automatically opened without a key.

In step S6, in case of networking, a general payment code is generated.

In step S7, the merchant scans for a common payment code.

In step S8, the payment code can be used for payment of goods or for riding.

In step S9, the payment is successful.

In step S10, in case of offline, generation of an offline payment code is requested.

In step S11, if the offline time is less than the upper limit value of the offline time, the offline payment is generated.

In step S12, it is determined that the amount of money in the current transaction is smaller than the amount upper limit value.

In step S13, the payment is temporarily passed, and the deduction is completed after the terminal device is networked.

In step S14, it is determined that the amount of money of the present transaction is greater than or equal to the amount upper limit value.

In step S15, this offline payment does fail.

In step S16, an attempt is then continued to make a networked payment.

With reference to the above description, a method for displaying a payment interface in the present application will be described below, and referring to fig. 3, an embodiment of the method for displaying a payment interface in the present application includes:

101. the terminal equipment detects a first operation action and a second operation action aiming at the terminal equipment;

in this embodiment, the terminal device detects, in real time, an operation of a user on the terminal device, where the operation content includes a first operation action and a second operation action, and it is emphasized that both the first operation action and the second operation action belong to keyless operation.

Specifically, the terminal device may determine whether the user operates the terminal device through a built-in sensor, and it is understood that the built-in sensor includes, but is not limited to, an accelerometer, a gyroscope, a gravity sensor, and the like. The accelerometer is based on the principle that external acceleration affects the vibration characteristics of a structure, so that the acceleration is measured. The gyroscope may be a Micro-Electro-Mechanical System (MEMS) gyroscope, which has the principle of obtaining angular velocity by measuring acceleration generated by rotation. The gravity sensor judges the direction of gravity by measuring the direction of gravity acceleration.

102. If the first operation action and the second operation action meet the payment awakening condition, the terminal equipment starts a biological characteristic acquisition device, wherein the biological characteristic acquisition device comprises at least one of an image acquisition device, a fingerprint acquisition device, an iris acquisition device and a voiceprint acquisition device;

in this embodiment, the terminal device determines whether the first operation action and the second operation action satisfy the payment awakening condition, and if the first operation action and the second operation action satisfy the payment awakening condition, the terminal device starts the biometric feature acquisition device. Wherein, the biological characteristic acquisition device comprises at least one of an image acquisition device, a fingerprint acquisition device, an iris acquisition device and a voiceprint acquisition device.

103. The terminal equipment acquires information to be verified of a target object through a biological characteristic acquisition device;

in this embodiment, after the terminal device starts the biometric feature acquisition device, information to be verified of a target object may be acquired, where the target object refers to a user using the terminal device.

Specifically, in order to improve the security of information acquisition, the image acquisition device and the fingerprint acquisition device may be simultaneously started to acquire information to be verified, or the image acquisition device and the iris acquisition device may be simultaneously started to acquire information to be verified, or the image acquisition device and the voice print acquisition device may be simultaneously started to acquire information to be verified, or the fingerprint acquisition device and the voice print acquisition device may be simultaneously started to acquire information to be verified.

104. And if the information to be verified is successfully matched with the pre-stored information, the terminal equipment displays a mobile payment interface, wherein a payment code is displayed on the mobile payment interface.

In this embodiment, the collected information to be verified is compared with the pre-stored information, and if the comparison is inconsistent, it is determined that the matching between the information to be verified and the pre-stored information fails, the terminal device is not unlocked, and the mobile payment interface is not displayed. And if the comparison result is consistent, determining that the information to be verified is successfully matched with the pre-stored information, and displaying a mobile payment interface on the terminal equipment, wherein a payment code is displayed on the mobile payment interface. For convenience of understanding, please refer to fig. 4, where fig. 4 is a schematic diagram of a mobile payment interface in an embodiment of the present application, and as shown in the figure, a two-dimensional code is displayed on the mobile payment interface, and the two-dimensional code is a payment code. In practical applications, the payment code includes, but is not limited to, a two-dimensional code or a barcode, and fig. 4 is only an illustration and should not be construed as a limitation to the present application.

According to the introduction, a user can unlock the terminal device and the payment application at one time, and compared with a process of unlocking the mobile phone, unlocking the payment software, and finally opening a mobile phone code scanning or payment code page to complete payment, the payment efficiency is improved, and the time consumption of information verification is reduced.

Specifically, for the convenience of understanding, please refer to fig. 5, fig. 5 is a schematic diagram illustrating a comparison between a keyed payment process and a payment process of the present application in the embodiment of the present application, as shown in the figure, steps A1 to A7 belong to the keyed payment process, and steps B1 to B5 belong to the keyless wakeup payment process, which will be described below.

Based on the key payment process, the specific process is as follows:

in step A1, the terminal device is in a standby state.

In step A2, the user presses a wake-up key of the terminal device, for example, presses a "home" key or a power key, thereby waking up the terminal device.

In step A3, the user unlocks the terminal device, for example, inputs a password, or inputs a fingerprint, or inputs a face image, or the like.

In step A4, the information input by the user is verified, and after the verification is passed, the terminal device is unlocked. The user then finds the payment application and opens the payment application.

In step A5, the corresponding mobile payment interface is found in the payment application and opened.

In step A6, optionally, if the payment code has set locking, the payment code also needs to be unlocked.

In step A7, the payment code is opened.

Based on the keyless payment process, the specific process is as follows:

in step B1, the terminal device is in a standby state.

In step B2, the terminal device detects a first operation action and a second operation action, wherein the first operation action and the second operation action both belong to keyless operation, for example, the first operation action is a shake operation, and the second operation action is a flip operation.

In step B3, the first operation action and the second operation action are matched with a preset operation action, if the first operation action and the second operation action are matched with each other, the first operation action and the second operation action meet the payment awakening condition, so that the terminal device is automatically awakened, and meanwhile, the background of the terminal device starts the payment application.

In step B4, the unlocking function of the terminal device and the unlocking function of the payment application are combined.

In step B5, the unlocked payment application is automatically opened without a key, the mobile payment interface is pulled up, and the payment code is displayed on the mobile payment interface.

Therefore, the keyless payment process can avoid repeated user identity verification in the same way in a short time, so that the mobile payment interface is accelerated to be opened, and the payment efficiency is improved. Not only the operation is simpler and more convenient, but also the safety of payment can be ensured.

In the embodiment of the application, a display method of a payment interface is provided. Through the mode, the payment application can be directly started in a keyless operation mode when the terminal equipment is in the locking state, so that the payment convenience is effectively improved. Meanwhile, the payment application is started in the background while the user unlocks the terminal device, so that the unlocked terminal device directly enters a mobile payment interface, and the payment efficiency is improved.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in this embodiment of the present application, after the terminal device detects the first operation action and the second operation action for the terminal device, the method may further include:

the terminal equipment identifies the first operation action and the second operation action;

if the first operation action is shaking operation and the second operation action is turning operation, the terminal equipment determines that the first operation action and the second operation action meet a payment awakening condition;

alternatively, the first and second electrodes may be,

after the terminal device detects the first operation action and the second operation action for the terminal device, the method may further include:

if the first operation action is a turning operation and the second operation action is a shaking operation, the terminal equipment determines that the first operation action and the second operation action meet a payment awakening condition;

alternatively, the first and second liquid crystal display panels may be,

if the first operation action is shaking operation and the second operation action is screen pressing operation, the terminal equipment determines that the first operation action and the second operation action meet a payment awakening condition;

alternatively, the first and second liquid crystal display panels may be,

if the first operation action is a turning operation and the second operation action is a screen pressing operation, the terminal device determines that the first operation action and the second operation action meet a payment awakening condition.

In this embodiment, a manner of satisfying the payment wakeup condition is introduced. In general, in order to avoid the situation of misoperation, at least two operation actions are set to meet the payment awakening condition, the first operation action and the second operation action are taken as examples in the application, and in practical application, a third operation action or more operations may be set, which are not listed here. It is understood that the first operation action and the second operation action may be triggered sequentially or simultaneously. The following describes the case of satisfying the pay-for-wake condition with reference to four examples.

The first operation action is a shaking operation, and the second operation action is a turning operation;

specifically, the terminal device identifies a first operation action and a second operation action, and if the first operation action is a shaking operation and the second operation action is a turning operation, a payment awakening condition is satisfied, so that the biometric characteristic acquisition device can be started. It should be noted that, in a normal case, the first operation action may be executed first, and then the second operation action may be executed.

For convenience of understanding, please refer to fig. 6, where fig. 6 is a schematic diagram illustrating a shaking operation performed on a terminal device in the embodiment of the present application, and as shown in the figure, a user holds the terminal device to shake left and right, thereby triggering the shaking operation. Or, the user holds the terminal device to shake up and down, so that the shaking operation is triggered. Referring to fig. 7, fig. 7 is a schematic diagram illustrating a terminal device being flipped in an embodiment of the present application, where as shown in the figure, a user holds the terminal device to flip clockwise, thereby triggering a flipping operation. Or, the user holds the terminal device to turn over counterclockwise, so as to trigger the turning operation.

The motion trigger directions shown in fig. 6 and 7 are only illustrative, and should not be construed as limiting the present application.

The second condition is that the first operation action is a turning operation, and the second operation action is a shaking operation;

specifically, the terminal device identifies a first operation action and a second operation action, and if the first operation action is a turning operation and the second operation action is a shaking operation, a payment awakening condition is satisfied, so that the biometric characteristic acquisition device can be started. Similarly, the manner of performing the flipping operation is shown in fig. 7, and the manner of performing the shaking operation is shown in fig. 6, which is not described herein again. It should be noted that, in a normal case, the first operation action may be executed first, and then the second operation action may be executed.

The first operation action is a shaking operation, and the second operation action is a screen pressing operation;

specifically, the terminal device identifies a first operation action and a second operation action, and if the first operation action is a shaking operation and the second operation action is a screen pressing operation, a payment awakening condition is met, so that the biological characteristic acquisition device can be started. In general, the first operation and the second operation may be performed simultaneously.

For convenience of understanding, please refer to fig. 8, where fig. 8 is a schematic diagram illustrating that the terminal device performs the screen pressing operation according to the embodiment of the present application, and as shown in the figure, a user may press any position on the screen of the terminal device to trigger the screen pressing operation. Further, referring to fig. 9, fig. 9 is a schematic diagram of performing a shaking operation and a screen pressing operation on a terminal device in the embodiment of the present application, and as shown in the figure, a user holds the terminal device to shake left and right while pressing a screen of the terminal device, so as to trigger the shaking operation and the screen pressing operation. Or the user presses the screen of the terminal device and simultaneously holds the terminal device to shake up and down, so that the shaking operation and the screen pressing operation are triggered.

The first operation action is turning operation, and the second operation action is screen pressing operation;

specifically, the terminal device identifies a first operation action and a second operation action, and if the first operation action is a turning operation and the second operation action is a screen pressing operation, a payment awakening condition is met, so that the biological characteristic acquisition device can be started. In general, the first operation and the second operation may be performed simultaneously.

Similarly, the manner of performing the screen pressing operation is shown in fig. 8, which is not described herein. Further, referring to fig. 10, fig. 10 is a schematic diagram of performing a flipping operation and a screen pressing operation on a terminal device in the embodiment of the present application, and as shown in the figure, a user holds the terminal device to flip clockwise while pressing a screen of the terminal device, so as to trigger the flipping operation and the screen pressing operation. Or, when the user presses the screen of the terminal device, the terminal device is held by the hand to perform anticlockwise turning, so that the turning operation and the screen pressing operation are triggered.

Secondly, in the embodiment of the application, a mode meeting payment awakening conditions is provided, and through the mode, the payment application is allowed to be started in a keyless unlocking mode before or after the terminal equipment is locked, so that the friction of a payment process is reduced through a keyless instruction, and the payment speed is accelerated.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the terminal device may further include:

the terminal equipment responds to an operation instruction aiming at the operation setting control and displays an operation setting interface, wherein a first control, a second control, a third control and a fourth control are displayed on the operation setting interface;

if the response is directed at the selection instruction of the first control, the terminal equipment determines that the condition of payment awakening is met, namely the first operation action is a shaking operation, and the second operation action is a turning operation;

if the response is directed at the selection instruction of the second control, the terminal equipment determines that the payment awakening condition is met, namely the first operation action is a turning operation, and the second operation action is a shaking operation;

if the response is directed at the selection instruction of the first control, the terminal equipment determines that the condition of payment awakening is met, namely the first operation action is a shaking operation, and the second operation action is a screen pressing operation;

if the response is directed at the selection instruction of the first control, the terminal device determines that the payment awakening condition is met, namely the first operation action is the turning operation, and the second operation action is the screen pressing operation.

In this embodiment, a manner of setting a trigger operation action by a user is introduced. The user can also trigger an operation instruction aiming at the operation setting control, the terminal device displays an operation setting interface, at least two controls are displayed on the operation setting interface, and each control corresponds to one mode. The first control, the second control, the third control, and the fourth control are displayed on the operation setting interface as an example, however, this is merely an illustration, and should not be construed as a limitation of the present application.

Specifically, for convenience of understanding, please refer to fig. 11, where fig. 11 is a schematic view of an operation setting interface in the embodiment of the present application, and as shown in the figure, C1 is used to indicate a first control, and when a user clicks the first control, a selection instruction for the first control is triggered, where a payment wakeup condition corresponding to a first mode is that a first operation action is a shaking operation, and a second operation action is a flipping operation. And C2, the second control is indicated, and when the user clicks the second control, a selection instruction aiming at the second control is triggered, wherein the payment awakening condition corresponding to the second mode is that the first operation action is a turning operation, and the second operation action is a shaking operation. And C3, indicating a third control, and triggering a selection instruction aiming at the third control when the user clicks the third control, wherein the payment awakening condition corresponding to the third mode is that the first operation action is shaking operation, and the second operation action is screen pressing operation. And C4, the fourth control is indicated, and when the user clicks the fourth control, a selection instruction for the fourth control is triggered, wherein the payment awakening condition corresponding to the fourth mode is that the first operation action is a turning operation, and the second operation action is a screen pressing operation.

For example, the user may also customize other operation actions, for example, the user clicks on the self-defined module indicated by C5 to select one operation action, and clicks on the custom module indicated by C6 to select another operation action.

In the embodiment of the application, a mode of self-defining the trigger operation action is provided, and through the mode, a user can set the operation actions of unlocking the terminal equipment and paying the application according to the use habit or own preference, so that the flexibility of the scheme is improved.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, if the first operation action and the second operation action meet the payment wakeup condition, the starting, by the terminal device, the biometric acquisition apparatus may specifically include:

if the first operation action and the second operation action meet the payment awakening condition, the terminal device displays a screen unlocking interface, wherein prompt messages for information acquisition are displayed on the screen unlocking interface;

the terminal equipment detects the display duration of a screen unlocking interface;

and if the display duration reaches the duration threshold, the terminal equipment starts the biological characteristic acquisition device.

In this embodiment, a method for prompting a user to perform authentication is introduced. If the first operation action and the second operation action meet the payment awakening condition, a screen of the terminal device can be lightened, namely a screen unlocking interface is displayed, and a prompt message for information acquisition is further displayed on the screen unlocking interface.

Specifically, when the prompt message for information acquisition is displayed on the screen unlocking interface, the terminal device also starts a built-in timer, that is, the display duration of the screen unlocking interface is detected, and if the display duration reaches a duration threshold, the terminal device automatically starts the biological characteristic acquisition device. It is understood that the duration threshold may be 3 seconds, or 5 seconds, or other times, and is not limited herein.

The biological characteristic acquisition device is used for acquiring to-be-verified information of a user, and after the to-be-verified information passes verification, the terminal equipment can be unlocked, the payment application can be called, and equivalently, one-time verification is set for the payment application.

It can be understood that, in practical applications, if the first operation action and the second operation action satisfy the payment wakeup condition, the terminal device may further send a voice prompt, for example, "please perform fingerprint verification", or "please perform face recognition", so as to promote the user to perform corresponding verification.

Secondly, in the embodiment of the application, a mode for prompting the user to perform identity authentication is provided, and through the mode, after the payment awakening condition is determined to be met, the display duration can be further detected, and in the period of time, on one hand, the prompt message of information acquisition can be displayed, so that the use convenience is improved. On the other hand, the terminal device may start the biometric acquisition device in the background for the duration of the display, thereby increasing the feasibility and operability of the scheme.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the displaying a screen unlocking interface by the terminal device specifically may include:

the terminal equipment displays at least one of a first prompt message, a second prompt message, a third prompt message and a fourth prompt message through a screen unlocking interface, wherein the first prompt message is used for prompting to start an image acquisition device, the second prompt message is used for prompting to start a fingerprint acquisition device, the third prompt message is used for prompting to start an iris acquisition device, and the fourth prompt message is used for prompting to start a voiceprint acquisition device.

In this embodiment, a manner of prompting a user to acquire corresponding information is introduced. As can be seen from the foregoing embodiment, the terminal device may further display at least one of a first prompt message, a second prompt message, a third prompt message, and a fourth prompt message on the screen unlocking interface, and a display manner of the prompt messages will be described below with reference to the drawings.

Specifically, referring to fig. 12, fig. 12 is a schematic view of a screen unlocking interface in an embodiment of the present application, and as shown in fig. 12 (a), a first prompt message is displayed on the screen unlocking interface, where the first prompt message is used to prompt to start the image capturing device, for example, the first prompt message is "start the camera later, please aim the front face at the camera". As shown in (B) of fig. 12, a second prompt message is displayed on the screen unlock interface, where the second prompt message is used to prompt to turn on the fingerprint acquisition device, for example, the second prompt message is "start fingerprint identification later, please place the finger on the screen". As shown in (C) of fig. 12, a third prompt message is displayed on the screen unlock interface, where the third prompt message is used to prompt to turn on the iris capture device, for example, the third prompt message is "start camera later, please aim eye at camera". As shown in fig. 12 (D), a fourth prompt message is displayed on the screen unlock interface, where the fourth prompt message is used to prompt to turn on the voiceprint collection device, for example, the fourth prompt message is "start microphone later, please speak into the microphone".

The content and the display mode of the prompting message shown in fig. 12 are merely illustrative, and should not be construed as limiting the present application.

In the embodiment of the application, a mode for prompting the user to acquire corresponding information is provided, and in the mode, the user can also verify the information through corresponding prompt messages when forgetting the verification mode, so that the convenience of information verification is improved. Meanwhile, the payment application completes the process of starting the payment application in the background by using the time of unlocking the terminal equipment by the user, so that the user enters the mobile payment interface immediately after unlocking, and the speed of popping up the mobile payment interface is further accelerated.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the obtaining, by the terminal device, information to be verified of the target object through the biometric acquisition apparatus specifically may include:

the terminal equipment acquires a face image to be verified corresponding to a target object through an image acquisition device;

the terminal equipment sends the face image to be verified and the object identification of the target object to the server, so that the server obtains a pre-stored face image according to the object identification of the target object, and the face image to be verified and the pre-stored face image are matched;

alternatively, the first and second electrodes may be,

the method for acquiring the to-be-verified information of the target object by the terminal device through the biological characteristic acquisition device specifically includes:

the terminal equipment acquires a fingerprint image to be verified corresponding to a target object through a fingerprint acquisition device;

the terminal equipment sends the fingerprint image to be verified and the object identification of the target object to the server, so that the server obtains a pre-stored fingerprint image according to the object identification of the target object and matches the fingerprint image to be verified and the pre-stored fingerprint image;

alternatively, the first and second electrodes may be,

the terminal equipment acquires an iris image to be verified corresponding to a target object through an iris acquisition device;

the method comprises the steps that the terminal equipment sends an iris image to be verified and an object identifier of a target object to a server, so that the server obtains a pre-stored iris image according to the object identifier of the target object and matches the iris image to be verified and the pre-stored iris image;

alternatively, the first and second electrodes may be,

the terminal equipment acquires voiceprint information to be verified corresponding to the target object through the voiceprint acquisition device;

and the terminal equipment sends the voiceprint information to be verified and the object identification of the target object to the server, so that the server obtains pre-stored voiceprint information according to the object identification of the target object and performs matching processing on the voiceprint information to be verified and the pre-stored voiceprint information.

In this embodiment, a method for verifying information based on online status is introduced. The terminal equipment can also request the server to further verify the identity of the target object (namely the user), the terminal equipment can be unlocked after the verification is passed, and a mobile payment interface comprising a payment code is displayed. The following describes a verification method for a terminal device with reference to a specific example.

The method comprises the following steps of firstly, verifying a face image of a user;

specifically, an image acquisition device (e.g., a camera) of the terminal device is turned on to capture a face image of a target object (i.e., a user), i.e., a face image to be verified is obtained. And then the terminal equipment sends the face image to be verified and the object identification of the target object to a server, and the server preprocesses the face image to be verified. Since the face image to be verified is often not directly usable due to the limitation of various conditions and random interference, it needs to be subjected to image preprocessing such as gradation correction and noise filtering at an early stage of image processing. For the face image, the preprocessing process mainly includes light compensation, gray level transformation, histogram equalization, normalization, geometric correction, filtering, sharpening, and the like of the face image. Next, extracting facial image features, and the methods for extracting facial features are summarized into two categories: 1. one is a knowledge-based characterization method, and the other is a characterization method based on algebraic features or statistical learning. And finally, the server extracts the corresponding pre-stored facial image according to the object identifier of the target object, and on the basis, the characteristics of the facial image to be verified are matched with the characteristics of the pre-stored facial image in the database. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Secondly, verifying the fingerprint image of the user;

specifically, a fingerprint acquisition device (e.g., a fingerprint acquirer) of the terminal device is started to acquire a fingerprint image of a target object (i.e., a user), so that the fingerprint image to be verified is obtained. And then the terminal equipment sends the fingerprint image to be verified and the object identification of the target object to a server, and the server preprocesses the fingerprint image to be verified. For a fingerprint image, image quality judgment, image enhancement, fingerprint region detection, fingerprint directional diagram and frequency estimation, image binarization (setting the gray value of each pixel point in the fingerprint image to be 0 or 255), image thinning and the like are performed. And then, acquiring ridge line data of the fingerprint from the preprocessed fingerprint image to be verified. And extracting characteristic points required by fingerprint identification from ridge line data of the fingerprint. And matching the extracted fingerprint features (information of the feature points) with the features of the fingerprint images prestored in the database. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Thirdly, verifying the iris image of the user;

specifically, an iris acquisition device (e.g., a camera) of the terminal device is turned on to capture an entire eye image of a target object (i.e., a user), i.e., an iris image to be verified is obtained. And then the terminal equipment sends the iris image to be verified and the object identification of the target object to a server, and the server preprocesses the iris image to be verified. For an iris image, iris positioning is required, that is, positions of an inner circle, an outer circle and a quadratic curve in the image are determined, wherein the inner circle is a boundary between an iris and a pupil, the outer circle is a boundary between the iris and a sclera, and the quadratic curve is a boundary between the iris and upper and lower eyelids. The iris image normalization is also required, i.e. the size of the iris in the image is adjusted to a fixed size set by the recognition system. In addition, image enhancement can be performed, namely, brightness, contrast, smoothness and other processing are performed on the normalized image, so that the recognition rate of iris information in the image is improved. And matching the extracted iris features (information of the feature points) with features of the iris images prestored in the database. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Verifying the voiceprint information of the user;

specifically, a voiceprint acquisition device (e.g., a microphone) of the terminal device is turned on, and the entire voice of the target object (i.e., the user) is recorded, so that the voiceprint information to be verified is obtained. And then the terminal equipment sends the voiceprint information to be verified and the object identification of the target object to the server, the server preprocesses the voiceprint information to be verified, and then voiceprint characteristics are further extracted. And matching the extracted voiceprint characteristics with the voiceprint characteristic mechanical energy of the voiceprint information prestored in the database. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Secondly, in the embodiment of the present application, a method for verifying information based on an online state is provided, in which a server stores pre-stored information, such as a pre-stored face image, a pre-stored fingerprint image, a pre-stored iris image, or pre-stored voiceprint information, in a local device, so that after the information to be verified is obtained, the information to be verified needs to be uploaded to the server, and thus, the identity verification of a user is completed, and thus, the identity verification in the online state is implemented, and the pre-stored information does not need to be stored on a terminal device side, and thus, a storage space of the terminal device is saved. In addition, for the users who do not need additional security verification for the current payment application, a layer of verification can be simply added in a common verification mode, so that the payment security is increased, and if the users are cheated or stolen in the payment process, the users are also protected by the electronic wallet insurance.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the obtaining, by the terminal device, the to-be-verified information of the target object through the biometric acquisition apparatus specifically may include:

the terminal equipment acquires a pre-stored face image according to the object identification of the target object;

the terminal equipment performs matching processing on the face image to be verified and a pre-stored face image;

alternatively, the first and second liquid crystal display panels may be,

the terminal equipment acquires a pre-stored fingerprint image according to the object identifier of the target object;

the terminal equipment performs matching processing on the fingerprint image to be verified and a pre-stored fingerprint image;

alternatively, the first and second electrodes may be,

the terminal equipment acquires a pre-stored iris image according to the object identification of the target object;

the terminal equipment carries out matching processing on the iris image to be verified and a pre-stored iris image;

alternatively, the first and second electrodes may be,

the terminal equipment acquires pre-stored voiceprint information according to the object identification of the target object;

and the terminal equipment performs matching processing on the voiceprint information to be verified and the pre-stored voiceprint information.

In this embodiment, a method for verifying information based on an offline state is described. The terminal equipment can further verify the identity of a target object (namely a user), the terminal equipment can be unlocked after the verification is passed, and a mobile payment interface comprising a payment code is displayed. The following describes a manner of authenticating a terminal device with reference to a specific example.

specifically, an image acquisition device (e.g., a camera) of the terminal device is turned on to capture a face image of a target object (i.e., a user), i.e., a face image to be verified is obtained. Then, the terminal device preprocesses the face image to be verified, and then extracts the face image features. And finally, the terminal equipment extracts the corresponding pre-stored facial image according to the object identification of the target object, and on the basis, the characteristics of the facial image to be verified are matched with the characteristics of the local pre-stored facial image of the terminal equipment. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Secondly, verifying the fingerprint image of the user;

specifically, a fingerprint acquisition device (e.g., a fingerprint acquirer) of the terminal device is started to acquire a fingerprint image of a target object (i.e., a user), so that the fingerprint image to be verified is obtained. And then, the terminal equipment preprocesses the fingerprint image to be verified. Next, extraction of fingerprint image features is performed. And finally, the terminal equipment extracts the corresponding pre-stored fingerprint image according to the object identification of the target object, and on the basis, the characteristics of the fingerprint image to be verified are matched with the characteristics of the local pre-stored fingerprint image of the terminal equipment. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Thirdly, verifying the iris image of the user;

specifically, an iris acquisition device (e.g., a camera) of the terminal device is turned on to capture an entire eye image of a target object (i.e., a user), i.e., an iris image to be verified is obtained. Then, the terminal device preprocesses the iris image to be verified. Next, extraction of iris image features is performed. And finally, the terminal equipment extracts the corresponding pre-stored iris image according to the object identification of the target object, and based on the pre-stored iris image, the characteristics of the iris image to be verified are matched with the characteristics of the local pre-stored iris image of the terminal equipment. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Verifying the voiceprint information of the user;

specifically, a voiceprint acquisition device (e.g., a microphone) of the terminal device is turned on to record the whole voice of the target object (i.e., the user), and then the voiceprint information to be verified is obtained. And then, the terminal equipment preprocesses the voiceprint information to be verified. Next, extraction of the voiceprint information features is performed. And finally, the terminal equipment extracts corresponding pre-stored voiceprint information according to the object identification of the target object, and on the basis, the characteristics of the voiceprint information to be verified are matched with the characteristics of the local pre-stored voiceprint information of the terminal equipment. If the matching is successful, the verification is passed, and if the matching is identified, the verification fails.

Secondly, in the embodiment of the application, a method for verifying information based on an offline state is provided, and through the method, the terminal device stores pre-stored information such as a pre-stored face image, a pre-stored fingerprint image, a pre-stored iris image or pre-stored voiceprint information in the local device, so that after the information to be verified is obtained, the identity verification of a user can be completed without uploading the information to be verified to a server, and thus the identity verification in the offline state is realized, and the flexibility and the convenience of payment verification are improved. In addition, for the users who do not need additional security verification for the current payment application, a layer of verification can be simply added in a common verification mode, so that the payment security is increased, and if the users are cheated or stolen in the payment process, the users are also guaranteed by the insurance of the electronic wallet.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the displaying, by the terminal device, a mobile payment interface may specifically include:

if the terminal equipment is not connected to the network within the preset time, the terminal equipment generates an offline payment code, wherein the payment code comprises offline payment;

the terminal equipment displays a mobile payment interface comprising a common payment code;

after the terminal device displays the mobile payment interface, the method may further include:

if the payment amount is smaller than the upper limit value of the amount, the terminal equipment displays a notification message of successful payment;

and if the payment amount is greater than or equal to the upper limit value of the amount, the terminal equipment determines a payment transaction result according to the authority of the target object, the account remaining amount of the target object and the offline duration.

In this embodiment, a method for generating an offline payment code is described. If the terminal device is not connected to the network within the preset time, the terminal device can directly generate the offline payment code.

Under one strategy, assuming that the preset time is 3 seconds, the terminal device is not connected to the network within 3 seconds, an offline payment code can be generated, and the offline payment code is displayed on the mobile payment interface. After the merchant scans the offline payment code, it is also necessary to determine whether the payment amount is greater than or equal to the upper limit value of the payment amount. And if the payment amount is less than the upper limit value of the amount, the terminal equipment displays a notification message of successful payment. If the payment amount is greater than or equal to the upper limit value of the amount, the terminal device further needs to determine a payment transaction result according to the authority of the target object, the account remaining amount of the target object and the offline duration.

Illustratively, assuming that the payment amount of a single transaction of the user is 50 and the upper limit value of the amount is 200, the single payment succeeds. If the payment amount of the transaction of the user is 300 and the upper limit value of the amount is 200, further subsequent judgment is needed to determine whether the payment is successful.

Under another strategy, assuming that the preset time is 3 seconds, the terminal device is not connected to the network within 3 seconds, and an offline payment code can be generated and displayed on the mobile payment interface. After the merchant scans the offline payment code, it is also necessary to determine whether the remaining amount of the account of the target object is enough to pay the amount of the current consumption. If the account remaining amount of the target object (i.e., the user) is greater than or equal to the payment amount, the terminal device displays a notification message that the payment is successful. If the remaining amount of the account of the target object (i.e. the user) is smaller than the payment amount, the terminal device further needs to determine the payment transaction result according to the authority of the target object, the payment amount and the offline duration.

Illustratively, assuming that the account remaining amount of the user is 100 and the payment amount is 50, the payment is successful. If the remaining amount of the account of the user is 20 and the payment amount is 100, further subsequent judgment is needed to determine whether the payment is successful.

In the embodiment of the present application, a method for generating an offline payment code is provided, and in the above manner, even in the case of network outage, a payment process supporting network outage payment may be adopted, that is, an offline payment code is generated. Because in the off-line scene, whether the remaining balance of the target object is enough to pay or not can not be known, therefore, the fund can be set to carry out bottom-in advance payment. Therefore, the success rate of generating the payment code, the probability of successful payment and the speed of payment can be improved, and the user experience is optimized. Meanwhile, off-line payment can be realized in the airplane or the subway, so that the flexibility and the feasibility of payment are improved. Considering that payment scenes tend to be high frequency and low amount relatively, the set unilateral off-line payment can benefit most payment scenes. If the balance of the user's account is not enough, the user can not pay, that is, the user is firstly urged to deposit money in the payment application, and then the user is prohibited from using the payment application under the condition that the money is not cleared, so as to control the bad account rate.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the determining, by the terminal device, a payment transaction result according to the authority of the target object, the account remaining amount of the target object, and the offline duration may specifically include:

if the account residual amount of the target object is smaller than the upper limit value of the amount, the terminal equipment displays a notification message of payment failure;

if the offline duration is greater than or equal to the duration upper limit value, the terminal equipment displays a notification message of payment failure;

if the authority of the target object is not the highest authority, the terminal equipment displays a notification message of payment failure;

and if the residual amount of the account of the target object is greater than or equal to the upper limit of the amount, the offline duration is less than the upper limit of the duration, and the authority of the target object is the highest authority, the terminal equipment displays a notification message that the payment is successful.

In this embodiment, a processing method of offline payment is introduced. If one party goes offline or the network is not good, the payment is allowed to go offline. If the condition that the payment cannot be communicated with the online system within a certain time (for example, 3 seconds) after the code is scanned is met, if the account remaining amount of the target object is less than the upper limit value of the amount (for example, 200 yuan), the offline time of the user does not exceed the upper limit value of the time (for example, 10 minutes), and the authority of the target object is the highest authority, the payment is allowed to pass, after the payment passes, the system can request the appropriate money of the bank in the background under the condition of networking, and the like. Wherein, the highest authority of the target object is the real-name authority.

Under one strategy, as can be seen from the foregoing embodiment, if the payment amount of the target object (i.e., the user) is greater than or equal to the amount upper limit, it is further determined whether the account remaining amount of the target object is greater than or equal to the amount upper limit, and whether the duration that has been offline is greater than or equal to the duration upper limit, and whether the authority of the target object is the highest authority. And if the account residual amount of the target object is smaller than the upper limit value of the amount, the payment is not overdrawn, namely a notification message of payment failure is displayed. If the offline duration is greater than or equal to the duration upper limit value, the offline duration is shown to be too long, and then a notification message of payment failure is displayed. If the authority of the target object is not the highest authority, the target object is not subjected to real-name authentication, and the risk that the payment code is stolen exists. And when the residual amount of the account is greater than or equal to the upper limit of the amount, the offline duration is less than the upper limit of the duration, and the authority of the target object is the highest authority, the terminal device displays a notification message that the payment is successful.

Under another strategy, as can be seen from the foregoing embodiment, if the remaining amount of the account of the target object (i.e., the user) is less than the payment amount, it is further determined whether the amount paid this time is greater than or equal to the upper limit of the amount, and whether the time length that has been offline is greater than or equal to the upper limit of the time length, and whether the authority of the target object is the highest authority. And if the payment amount is greater than or equal to the upper limit value of the amount, the payment is not overdrawn, namely a notification message of payment failure is displayed. If the offline time length is greater than or equal to the time length upper limit value, the offline time length is too long, and then a notification message of payment failure is displayed. If the authority of the target object is not the highest authority, the target object is not subjected to real-name authentication, and the risk that the payment code is stolen exists. And when the payment amount is less than the upper limit value of the amount, the offline duration is less than the upper limit value of the duration, and the authority of the target object is the highest authority, the terminal device displays a notification message that the payment is successful.

In the embodiment of the application, an offline payment processing method is provided, and through the above method, based on the account remaining amount and the offline duration, whether an offline payment function can be provided for the target object can be determined, if the account remaining amount is small, offline payment is not allowed, and a situation that a large amount of money cannot be collected is prevented. If the offline time is long, offline payment is not allowed, and the condition of cheating payment is prevented. In addition, under the condition that the account residual amount and the offline duration meet the requirements, the payment is finished offline in a unilateral offline scene, and therefore the electronic payment use scene is expanded.

if the terminal equipment is in a network connection state or is connected to the network within preset time, the terminal equipment generates a common payment code, wherein the payment code comprises the common payment code;

if the account residual amount of the target object is larger than or equal to the payment amount, the terminal equipment displays a notification message of successful payment;

and if the account residual amount of the target object is less than the payment amount, the terminal equipment displays a notification message of payment failure.

In this embodiment, a method of generating a common payment code is described. If the terminal device is connected to the network within a preset time, the terminal device generates a common payment code, and therefore, the code scanning device can scan the common payment code. For the generated common payment code, if the account remaining amount of the target object (i.e., the user) is greater than or equal to the payment amount, a notification message that the payment is successful is displayed, and conversely, if the account remaining amount of the target object (i.e., the user) is less than the payment amount, a notification message that the payment is failed is displayed.

Specifically, for ease of understanding, please refer to fig. 13, fig. 13 is a schematic diagram illustrating a comparison between an online payment process and a payment process in the present application, as shown, steps D1 to D7 belong to the online payment process, and steps E1 to E13 include an offline payment process, which will be described below.

Based on the online payment process, the specific process is as follows:

in step D1, the user opens the payment application.

In step D2, if networking is not possible, the payment code cannot be displayed.

In step D3, if the intranet is successful within a certain time, the payment code is unlocked in case of the payment code lock.

In step D4, the payment code in the payment application is opened.

In step D5, the merchant scans the payment code.

In step D6, the system verifies the payment information.

In step D7, the payment is successful after the verification is completed.

The process based on the application comprises the following specific processes:

in step E1, the user opens the payment application by keyless unlocking.

In step E2, if the connection to the network is made within a preset time (e.g., 3 seconds), a general payment code is automatically generated.

In step E3, the merchant scans for a common payment code.

In step E4, payment is made using the unified payment code, for example, payment of a fare or payment of a commodity or the like.

In step E5, the payment is successful.

In step E6, if the network is connected within a preset time (e.g., 3 seconds) and has the highest level of real-name authentication (e.g., id card authentication), the generation of the offline payment code is requested.

In step E7, an offline payment code is automatically generated.

In step E8, the merchant scans the offline payment code.

In step E9, it is determined that the current payment amount is less than the amount upper limit value.

In step E10, the payment is temporarily passed, and the deduction is performed after the terminal device is networked.

In step E11, it is determined that the current payment amount is greater than or equal to the amount upper limit value.

In step E12, the offline payment fails.

In step E13, the attempt to make an online networked payment then continues.

And thirdly, in the embodiment of the application, a mode for generating a common payment code is provided, and through the mode, the payment application completes the process of starting the payment application in the background by utilizing the time of unlocking the terminal equipment by the user, so that the user enters the mobile payment interface immediately after unlocking, and the speed of popping up the mobile payment interface is further accelerated. Meanwhile, the payment code is directly displayed on the mobile payment interface, so that the user can pay conveniently, and the payment threshold is reduced.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, after the terminal device displays the mobile payment interface, the method may further include:

if the first code scanning device scans the payment code, the terminal device sends a payment request to the first service server so that the first service server deducts payment amount from the account residual amount of the target object according to the payment request;

and if the second code scanning device scans the payment code, the terminal device sends a payment request to a second service server so that the second service server deducts payment amount from the account residual amount of the target object according to the payment request, wherein the second service server and the first service server belong to servers used by different services.

In this embodiment, a manner of generating a unified payment code is introduced. That is, the payment code may be applied to different services, if the first code scanning device used by the first service scans the payment code, the terminal device sends a payment request to the first service server, and the first service server deducts a payment amount from the remaining amount of the account of the target object (i.e., the user) according to the payment request. And if the payment code is scanned by the second code scanning device used by the second service, the terminal device sends a payment request to the second service server, and the second service server deducts the payment amount from the account residual amount of the target object (namely the user) according to the payment request.

Specifically, for the convenience of understanding, please refer to fig. 14, fig. 14 is a schematic diagram illustrating a comparison between the non-uniform payment code used in the embodiment of the present application and the payment process of the present application, as shown in the figure, steps F1 to F8 belong to the payment process of the non-uniform payment code, and steps G1 to G4 belong to the payment process of the uniform payment code, which will be described below.

The payment process based on the non-uniform payment code comprises the following specific processes:

in step F1, the terminal device presents the payment code a.

In step F2, the merchant scans the payment code a.

In step F3, the payment code a is verified by the payment system of the a service.

In step F4, the payment is successful after the verification is completed.

In step F5, the terminal device presents the payment code B.

In step F6, the merchant scans the payment code B.

In step F7, the payment code B is verified by the payment system of the B service.

In step F8, the payment is successful after the verification is completed.

The payment process based on the unified payment code comprises the following specific processes:

in step G1, the terminal device presents the unified payment code (i.e. the payment code generated by the present application).

In step G2, the merchant scans the payment code.

In step G3, based on the specific service, the payment system adopting the service a is selected to verify the payment code, or the payment system adopting the service B is selected to verify the payment code.

In step G4, the payment is successful after the verification is completed.

Secondly, in the embodiment of the application, a way of generating a unified payment code is provided, through the way, the payment codes corresponding to multiple services are combined into a single payment code, so that the use threshold is reduced, one payment code can cover multiple payment functions, more use scenes are covered, the operation complexity is reduced, and the payment convenience is improved.

Optionally, on the basis of the embodiment corresponding to fig. 3, in another optional embodiment provided in the embodiment of the present application, the method may further include:

the terminal equipment responds to an operation instruction aiming at the service setting control and displays a service setting interface, wherein the service setting interface displays the service control of the service to be bound;

and the terminal equipment responds to the selection instruction aiming at the service control and binds the payment code corresponding to the service to be bound with the payment code corresponding to the original service.

In this embodiment, a method for setting a payment code binding service by user-defined is introduced. The target object (i.e. the user) may also customize the associated service of binding the payment code.

Specifically, assuming that a user triggers an operation instruction for a service setting control, that is, a service setting interface shown in fig. 15 may be displayed, please refer to fig. 15, where fig. 15 is a schematic view of the service setting interface in the embodiment of the present application, as shown in the figure, the user may click a "select" control on the right side of a bus code, that is, trigger a selection instruction for the service control, where the control is a service control of a service to be bound, and the service to be bound is a bus service. Based on this, the payment code corresponding to the service to be bound (e.g., the riding service) and the payment code corresponding to the original service (e.g., the originally used payment code) are bound.

It should be noted that the service to be bound includes, but is not limited to, medical insurance service, pass service, and the like, and some new services may also be customized, which is not limited herein.

In the embodiment of the application, a mode of self-defining setting of the payment code binding service is provided, and through the above mode, a user can also bind the existing information code with the payment code, so that on one hand, the binding relationship between the payment code and other information codes can be flexibly set, on the other hand, the convenience of payment can be increased, and the purpose of one code with multiple purposes is achieved.

Referring to fig. 16, fig. 16 is a schematic view of an embodiment of a payment interface display apparatus according to an embodiment of the present application, where the payment interface display apparatus 20 includes:

a detection module 201, configured to detect a first operation action and a second operation action for a terminal device;

the starting module 202 is configured to start the biometric feature acquisition device if the first operation action and the second operation action meet the payment wakeup condition, where the biometric feature acquisition device includes at least one of an image acquisition device, a fingerprint acquisition device, an iris acquisition device, and a voiceprint acquisition device;

the acquisition module 203 is used for acquiring information to be verified of the target object through the biological characteristic acquisition device;

the display module 204 is configured to display a mobile payment interface if the information to be verified is successfully matched with the pre-stored information, where a payment code is displayed on the mobile payment interface.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the payment application can be directly started in a keyless operation mode when the terminal equipment is in a locked state, so that the convenience of payment is effectively improved. Meanwhile, the payment application is started at the background while the user unlocks the terminal device, so that the unlocked terminal device directly enters a mobile payment interface, and the payment efficiency is improved.

Optionally, on the basis of the embodiment corresponding to fig. 16, in another embodiment of the payment interface display apparatus 20 provided in the embodiment of the present application, the payment interface display apparatus 20 further includes an identification module 205 and a determination module 206;

an identifying module 205, configured to identify the first operation action and the second operation action after the detecting module 201 detects the first operation action and the second operation action for the terminal device;

a determining module 206, configured to determine that the first operation action and the second operation action meet the payment wakeup condition if the first operation action is a shaking operation and the second operation action is a flipping operation;

alternatively, the first and second electrodes may be,

the identification module 205 is further configured to identify the first operation action and the second operation action after the detection module 201 detects the first operation action and the second operation action for the terminal device;

the determining module 206 is further configured to determine that the first operation action and the second operation action meet the payment awakening condition if the first operation action is a flipping operation and the second operation action is a shaking operation;

alternatively, the first and second electrodes may be,

the determining module 206 is further configured to determine that the first operation action and the second operation action meet the payment wakeup condition if the first operation action is a shaking operation and the second operation action is a screen pressing operation;

alternatively, the first and second electrodes may be,

the determining module 206 is further configured to determine that the first operation action and the second operation action satisfy the payment wakeup condition if the first operation action is a flip operation and the second operation action is a screen pressing operation.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the payment application is allowed to be started in a keyless unlocking mode before or after the terminal equipment is locked, so that the friction of a payment process is reduced through a keyless instruction, and the payment speed is accelerated.

Alternatively, on the basis of the embodiment corresponding to fig. 16, in another embodiment of the payment interface display device 20 provided in the embodiment of the present application,

the display module 204 is further configured to display an operation setting interface in response to an operation instruction for the operation setting control in the detection module 201, where a first control, a second control, a third control, and a fourth control are displayed on the operation setting interface;

the determining module 206 is further configured to determine that the first operation action meeting the payment awakening condition is a shaking operation and the second operation action is a flipping operation if the selection instruction for the first control is responded;

the determining module 260 is further configured to determine that the first operation action meeting the payment awakening condition is a turning operation and the second operation action is a shaking operation if the selection instruction for the second control is responded;

the determining module 206 is further configured to determine that the first operation action meeting the payment awakening condition is a shaking operation and the second operation action is a screen pressing operation if the selection instruction for the first control is responded;

the determining module 206 is further configured to determine that the first operation action meeting the payment wakeup condition is a flip operation and the second operation action is a screen pressing operation if the selection instruction for the first control is responded.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the user can set the operation actions of unlocking the terminal equipment and paying the application according to the use habit or the preference of the user, thereby improving the flexibility of the scheme.

Optionally, on the basis of the embodiment corresponding to fig. 16, in another embodiment of the payment interface display device 20 provided in the embodiment of the present application,

the starting module 202 is specifically configured to display a screen unlocking interface if the first operation action and the second operation action meet the payment wakeup condition, where a prompt message for information acquisition is displayed on the screen unlocking interface;

detecting the display duration of a screen unlocking interface;

In the embodiment of the application, a payment interface display device is provided. By adopting the device, after the payment awakening condition is determined to be met, the display duration can be further detected, and in the period, the prompt message of information acquisition can be displayed, so that the use convenience is improved. On the other hand, the terminal device may start the biometric acquisition device in the background for the duration of the display, thereby increasing the feasibility and operability of the protocol.

the starting module 202 is specifically configured to display at least one of a first prompt message, a second prompt message, a third prompt message, and a fourth prompt message through the screen unlocking interface, where the first prompt message is used to prompt to start the image acquisition device, the second prompt message is used to prompt to start the fingerprint acquisition device, the third prompt message is used to prompt to start the iris acquisition device, and the fourth prompt message is used to prompt to start the voiceprint acquisition device.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the verification can be carried out through the corresponding prompt message under the condition that the user forgets the verification mode, thereby improving the convenience of information verification. Meanwhile, the payment application completes the process of starting the payment application in the background by using the time of unlocking the terminal equipment by the user, so that the user enters the mobile payment interface immediately after unlocking, and the speed of popping up the mobile payment interface is further accelerated.

the obtaining module 203 is specifically configured to obtain, by an image acquisition device, a to-be-verified face image corresponding to the target object;

sending the face image to be verified and the object identifier of the target object to a server, so that the server obtains a pre-stored face image according to the object identifier of the target object, and matching the face image to be verified and the pre-stored face image;

alternatively, the first and second electrodes may be,

the acquisition module 203 is specifically configured to acquire, by using a fingerprint acquisition device, a fingerprint image to be verified corresponding to a target object;

alternatively, the first and second electrodes may be,

the acquisition module 203 is specifically configured to acquire an iris image to be verified corresponding to a target object through an iris acquisition device;

alternatively, the first and second electrodes may be,

the obtaining module 203 is specifically configured to obtain voiceprint information to be verified, which corresponds to the target object, through the voiceprint collecting device;

and sending the voiceprint information to be verified and the object identifier of the target object to the server, so that the server acquires the pre-stored voiceprint information according to the object identifier of the target object, and performing matching processing on the voiceprint information to be verified and the pre-stored voiceprint information.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the server stores the pre-stored information such as the pre-stored face image, the pre-stored fingerprint image, the pre-stored iris image or the pre-stored voiceprint information in the local equipment, so that after the information to be verified is obtained, the information to be verified is required to be uploaded to the server, and the identity verification of the user is completed, so that the identity verification in an online state is realized, the pre-stored information is not required to be stored on the side of the terminal equipment, and the storage space of the terminal equipment is saved. In addition, for the users who do not need additional security verification for the current payment application, a layer of verification can be simply added in a common verification mode, so that the payment security is increased, and if the users are cheated or stolen in the payment process, the users are also protected by the electronic wallet.

matching the face image to be verified and a pre-stored face image;

alternatively, the first and second electrodes may be,

matching the iris image to be verified and a pre-stored iris image;

alternatively, the first and second electrodes may be,

acquiring pre-stored voiceprint information according to the object identifier of the target object;

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the terminal device stores the pre-stored information such as the pre-stored face image, the pre-stored fingerprint image, the pre-stored iris image or the pre-stored voiceprint information in the local device, so that the identity verification of the user can be completed without uploading the information to be verified to the server after the information to be verified is obtained, the identity verification in an off-line state is realized, and the flexibility and the convenience of payment verification are improved. In addition, for the users who do not need additional security verification for the current payment application, a layer of verification can be simply added in a common verification mode, so that the payment security is increased, and if the users are cheated or stolen in the payment process, the users are also protected by the electronic wallet insurance.

the display module 204 is specifically configured to generate an offline payment code if the mobile terminal is not connected to the network within a preset time, where the payment code includes offline payment;

displaying a mobile payment interface including a common payment code;

the display module 204 is further configured to display a notification message that payment is successful if the payment amount is less than the upper limit value of the amount after the mobile payment interface is displayed;

the display module 204 is further configured to determine a payment transaction result according to the authority of the target object, the account remaining amount of the target object, and the offline duration if the payment amount is greater than or equal to the upper limit of the amount after the mobile payment interface is displayed.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, even under the condition of network disconnection, a payment process supporting network disconnection payment can be adopted, namely, an offline payment code is generated. In the off-line scene, whether the remaining balance of the target object is enough to pay or not cannot be known, so that fund can be set to carry out bottom-in advance payment. Therefore, the success rate of generating the payment code, the probability of successful payment and the speed of payment can be improved, and the user experience is optimized. Meanwhile, off-line payment can be realized in the airplane or the subway, so that the flexibility and feasibility of payment are improved. Considering that payment scenes tend to be high frequency and low amount relatively, the set unilateral off-line payment can benefit most payment scenes. If the balance of the user's back account is insufficient, the user cannot pay the money, that is, the user is firstly urged to deposit money in the payment application, and then the user is prohibited from using the payment application under the condition that the money is not paid back so as to control the bad account rate.

the display module 204 is specifically configured to display a notification message of payment losing if the account remaining amount of the target object is smaller than the upper limit value of the amount;

In the embodiment of the application, a payment interface display device is provided. By adopting the device, whether an offline payment function can be provided for the target object can be judged based on the account residual amount and the offline duration, if the account residual amount is smaller, offline payment is not allowed, and the condition that a large amount of amount cannot be recovered is prevented. If the offline time is long, offline payment is not allowed, and the condition of cheating payment is prevented. In addition, under the condition that the account residual amount and the offline time length both meet the requirements, the payment is allowed to be completed offline in a unilateral offline scene, and therefore the electronic payment use scene is expanded.

the display module 204 is specifically configured to generate a common payment code if the mobile terminal is in a network connection state or is connected to a network within a preset time, where the payment code includes a common payment code;

displaying a mobile payment interface including a common payment code;

the display module 204 is further configured to display a notification message that payment is successful if the remaining amount of the account of the target object is greater than or equal to the payment amount after the mobile payment interface is displayed;

the display module 204 is further configured to display a notification message of payment failure if the remaining amount of the account of the target object is less than the payment amount after the mobile payment interface is displayed.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the payment application completes the process of starting the payment application in the background by utilizing the time of unlocking the terminal equipment by the user, so that the user enters the mobile payment interface immediately after unlocking, and the speed of popping up the mobile payment interface is further accelerated. Meanwhile, the payment code is directly displayed on the mobile payment interface, so that the payment is convenient for the user, and the payment threshold is reduced.

Optionally, on the basis of the embodiment corresponding to fig. 16, in another embodiment of the payment interface display apparatus 20 provided in the embodiment of the present application, the payment interface display apparatus 20 further includes a sending module 207;

a sending module 207, configured to send a payment request to the first service server if the first code scanning device scans the payment code after the display module 204 displays the mobile payment interface, so that the first service server deducts a payment amount from the remaining account amount of the target object according to the payment request;

the sending module 207 is further configured to send a payment request to the second service server after the display module 204 displays the mobile payment interface, if the second code scanning device scans the payment code, so that the second service server deducts a payment amount from the remaining amount of the account of the target object according to the payment request, where the second service server and the first service server belong to servers used by different services.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the payment codes corresponding to various services are combined into a single payment code, so that the use threshold is reduced, one payment code can cover various payment functions, more use scenes are covered, the operation complexity is reduced, and the payment convenience is improved.

Optionally, on the basis of the embodiment corresponding to fig. 16, in another embodiment of the payment interface display apparatus 20 provided in the embodiment of the present application, the payment interface display apparatus 20 further includes a binding module 208;

the display module 20 is further configured to respond to an operation instruction for the service setting control, and display a service setting interface, where a service control of the service to be bound is displayed on the service setting interface;

and the binding module 208 is configured to respond to the selection instruction for the service control, and bind the payment code corresponding to the service to be bound with the payment code corresponding to the original service.

In the embodiment of the application, a payment interface display device is provided. By adopting the device, the user can also bind the existing information code and the payment code, on one hand, the binding relation between the payment code and other information codes can be flexibly set, on the other hand, the convenience of payment can be improved, and the purpose of one code with multiple purposes is achieved.

As shown in fig. 17, for convenience of description, only the portions related to the embodiments of the present application are shown, and details of the specific technology are not disclosed, please refer to the method portion of the embodiments of the present application. The terminal device may be any terminal device including a mobile phone, a tablet computer, a Personal Digital Assistant (PDA), a Point of Sales (POS), a vehicle-mounted computer, and the like, taking the terminal device as the mobile phone as an example:

fig. 17 is a block diagram illustrating a partial structure of a mobile phone related to a terminal device provided in an embodiment of the present application. Referring to fig. 17, the handset includes: radio Frequency (RF) circuit 310, memory 320, input unit 330, display unit 340, sensor 350, audio circuit 360, wireless fidelity (WiFi) module 370, processor 380, and power supply 390. Those skilled in the art will appreciate that the handset configuration shown in fig. 17 is not intended to be limiting and may include more or fewer components than shown, or some components may be combined, or a different arrangement of components.

The following specifically describes each component of the mobile phone with reference to fig. 17:

the RF circuit 310 may be used for receiving and transmitting signals during information transmission and reception or during a call, and in particular, for processing downlink information of a base station after receiving the downlink information to the processor 380; in addition, the data for designing uplink is transmitted to the base station. In general, the RF circuit 310 includes, but is not limited to, an antenna, at least one Amplifier, a transceiver, a coupler, a Low Noise Amplifier (LNA), a duplexer, and the like. In addition, RF circuit 310 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to Global System for Mobile communication (GSM), general Packet Radio Service (GPRS), code Division Multiple Access (CDMA), wideband Code Division Multiple Access (WCDMA), long Term Evolution (LTE), email, short Messaging Service (SMS), etc.

The memory 320 may be used to store software programs and modules, and the processor 380 executes various functional applications and data processing of the mobile phone by operating the software programs and modules stored in the memory 320. The memory 320 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phone book, etc.) created according to the use of the cellular phone, etc. Further, the memory 320 may include a high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The input unit 330 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function controls of the cellular phone. Specifically, the input unit 330 may include a touch panel 331 and other input devices 332. The touch panel 331, also referred to as a touch screen, can collect touch operations of a user (e.g., operations of the user on the touch panel 331 or near the touch panel 331 using any suitable object or accessory such as a finger, a stylus, etc.) on or near the touch panel 331, and drive the corresponding connection device according to a preset program. Alternatively, the touch panel 331 may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 380, and can receive and execute commands sent by the processor 380. In addition, the touch panel 331 may be implemented by various types such as resistive, capacitive, infrared, and surface acoustic wave. The input unit 330 may include other input devices 332 in addition to the touch panel 331. In particular, other input devices 332 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 340 may be used to display information input by the user or information provided to the user and various menus of the mobile phone. The Display unit 340 may include a Display panel 341, and optionally, the Display panel 341 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like. Further, the touch panel 331 can cover the display panel 341, and when the touch panel 331 detects a touch operation on or near the touch panel 331, the touch panel is transmitted to the processor 380 to determine the type of the touch event, and then the processor 380 provides a corresponding visual output on the display panel 341 according to the type of the touch event. Although in fig. 17, the touch panel 331 and the display panel 341 are two independent components to implement the input and output functions of the mobile phone, in some embodiments, the touch panel 331 and the display panel 341 may be integrated to implement the input and output functions of the mobile phone.

The handset may also include at least one sensor 350, such as a light sensor, motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor that adjusts the brightness of the display panel 341 according to the brightness of ambient light, and a proximity sensor that turns off the display panel 341 and/or the backlight when the mobile phone is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the acceleration in each direction (generally three axes), detect the gravity when stationary, and can be used for applications (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer, tapping) and the like for recognizing the posture of the mobile phone; other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor may be further configured on the mobile phone, which are not described herein again.

Audio circuitry 360, speaker 361, microphone 362 may provide an audio interface between the user and the handset. The audio circuit 360 may transmit the electrical signal converted from the received audio data to the speaker 361, and the audio signal is converted by the speaker 361 and output; on the other hand, the microphone 362 converts the collected sound signals into electrical signals, which are received by the audio circuit 360 and converted into audio data, which are then processed by the audio data output processor 380 and then transmitted to, for example, another cellular phone via the RF circuit 310, or output to the memory 320 for further processing.

WiFi belongs to a short-distance wireless transmission technology, and the mobile phone can help a user to receive and send e-mails, browse webpages, access streaming media and the like through a WiFi module 370, and provides wireless broadband internet access for the user. Although fig. 17 shows the WiFi module 370, it is understood that it does not belong to the essential constitution of the handset, and may be omitted entirely as needed within the scope not changing the essence of the invention.

The processor 380 is a control center of the mobile phone, connects various parts of the whole mobile phone by using various interfaces and lines, and performs various functions of the mobile phone and processes data by operating or executing software programs and/or modules stored in the memory 320 and calling data stored in the memory 320, thereby performing overall monitoring of the mobile phone. Optionally, processor 380 may include one or more processing units; optionally, processor 380 may integrate an application processor, which primarily handles operating systems, user interfaces, application programs, etc., and a modem processor, which primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into processor 380.

The phone also includes a power supply 390 (e.g., a battery) for powering the various components, and optionally, the power supply may be logically connected to the processor 380 through a power management system, so as to implement functions such as managing charging, discharging, and power consumption through the power management system.

Although not shown, the mobile phone may further include a camera, a bluetooth module, etc., which are not described herein.

The steps performed by the terminal device in the above-described embodiment may be based on the terminal device configuration shown in fig. 17.

Embodiments of the present application also provide a computer-readable storage medium, in which a computer program is stored, and when the computer program runs on a computer, the computer is caused to execute the method described in the foregoing embodiments.

Embodiments of the present application also provide a computer program product comprising a program, which when run on a computer, causes the computer to perform the methods described in the foregoing embodiments.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present application, which are essential or part of the technical solutions contributing to the prior art, or all or part of the technical solutions, may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and the like.

The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications or substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

1. A display method of a payment interface is characterized by comprising the following steps:

acquiring information to be verified of a target object through the biological characteristic acquisition device;

2. The display method according to claim 1, wherein the method further comprises:

identifying the first operation action and the second operation action;

if the first operation action is a shaking operation and the second operation action is a turning operation, determining that the first operation action and the second operation action meet the payment awakening condition; alternatively, the first and second electrodes may be,

the method further comprises the following steps:

identifying the first operation action and the second operation action;

if the first operation action is a turning operation and the second operation action is a shaking operation, determining that the first operation action and the second operation action meet the payment awakening condition; alternatively, the first and second electrodes may be,

the method further comprises the following steps:

identifying the first operation action and the second operation action;

if the first operation action is shaking operation and the second operation action is screen pressing operation, determining that the first operation action and the second operation action meet the payment awakening condition; alternatively, the first and second electrodes may be,

the method further comprises the following steps:

identifying the first operation action and the second operation action;

and if the first operation action is turning operation and the second operation action is screen pressing operation, determining that the first operation action and the second operation action meet the payment awakening condition.

3. The display method according to claim 2, characterized in that the method further comprises:

responding to an operation instruction aiming at an operation setting control, and displaying an operation setting interface, wherein a first control, a second control, a third control and a fourth control are displayed on the operation setting interface;

if the selection instruction for the first control is responded, determining that the first operation action is shaking operation and the second operation action is turning operation when the payment awakening condition is met;

if the selection instruction aiming at the second control is responded, determining that the first operation action is the turning operation and the second operation action is the shaking operation when the payment awakening condition is met;

if the selection instruction for the third control is responded, determining that the first operation action is shaking operation and the second operation action is screen pressing operation when the payment awakening condition is met;

if the selection instruction for the fourth control is responded, it is determined that the first operation action is the turning operation and the second operation action is the screen pressing operation when the payment awakening condition is met.

4. The method according to claim 1, wherein if the first operation action and the second operation action satisfy a payment wakeup condition, activating a biometric feature capturing device includes:

if the first operation action and the second operation action meet a payment awakening condition, displaying a screen unlocking interface, wherein a prompt message for information acquisition is displayed on the screen unlocking interface;

detecting the display duration of the screen unlocking interface;

and if the display duration reaches a duration threshold, starting the biological characteristic acquisition device.

5. The display method of claim 4, wherein the display screen unlock interface comprises:

displaying at least one of a first prompt message, a second prompt message, a third prompt message and a fourth prompt message through the screen unlocking interface, wherein the first prompt message is used for prompting to start the image acquisition device, the second prompt message is used for prompting to start the fingerprint acquisition device, the third prompt message is used for prompting to start the iris acquisition device, and the fourth prompt message is used for prompting to start the voiceprint acquisition device.

6. The method according to claim 1, wherein the obtaining of the information to be verified of the target object by the biometric acquisition device comprises:

acquiring a to-be-verified face image corresponding to the target object through the image acquisition device;

sending the facial image to be verified and the object identifier of the target object to a server, so that the server obtains a pre-stored facial image according to the object identifier of the target object, and matching the facial image to be verified and the pre-stored facial image;

alternatively, the first and second electrodes may be,

the acquiring of the to-be-verified information of the target object by the biological characteristic acquisition device includes:

acquiring a fingerprint image to be verified corresponding to the target object through the fingerprint acquisition device;

sending the fingerprint image to be verified and the object identifier of the target object to a server, so that the server acquires a pre-stored fingerprint image according to the object identifier of the target object, and matching the fingerprint image to be verified and the pre-stored fingerprint image;

alternatively, the first and second electrodes may be,

acquiring an iris image to be verified corresponding to the target object through the iris acquisition device;

alternatively, the first and second electrodes may be,

acquiring voiceprint information to be verified corresponding to the target object through the voiceprint acquisition device;

and sending the voiceprint information to be verified and the object identifier of the target object to a server, so that the server acquires pre-stored voiceprint information according to the object identifier of the target object, and matching the voiceprint information to be verified and the pre-stored voiceprint information.

7. The display method according to claim 1, wherein the obtaining of the information to be verified of the target object by the biometric acquisition device comprises:

matching the to-be-verified face image with the pre-stored face image;

alternatively, the first and second liquid crystal display panels may be,

matching the fingerprint image to be verified and the pre-stored fingerprint image;

alternatively, the first and second liquid crystal display panels may be,

acquiring a pre-stored iris image according to the object identifier of the target object;

matching the iris image to be verified with the pre-stored iris image;

alternatively, the first and second liquid crystal display panels may be,

the acquiring the to-be-verified information of the target object through the biological characteristic acquisition device comprises the following steps:

8. The display method according to claim 1 or 7, wherein the displaying the mobile payment interface comprises:

if the mobile terminal is not connected to the network within preset time, generating an offline payment code, wherein the payment code comprises the offline payment code;

displaying a mobile payment interface including the offline payment code;

after the displaying the mobile payment interface, the method further comprises:

if the payment amount is less than the upper limit value of the amount, displaying a notification message of successful payment;

and if the payment amount is greater than or equal to the upper limit value of the amount, determining a payment transaction result according to the authority of the target object, the account remaining amount of the target object and the offline duration.

9. The display method according to claim 7, wherein the determining a payment transaction result according to the authority of the target object, the account remaining amount of the target object and the offline duration comprises:

if the account residual amount of the target object is smaller than the upper limit value of the amount, displaying a notification message of payment failure;

and if the account remaining amount of the target object is greater than or equal to the amount upper limit value, the offline duration is less than the duration upper limit value, and the authority of the target object is the highest authority, displaying a notification message of successful payment.

10. The display method of any one of claims 1 to 7, wherein the displaying the mobile payment interface comprises:

if the payment code is in a network connection state or is connected to a network within preset time, generating a common payment code, wherein the payment code comprises the common payment code;

displaying a mobile payment interface including the common payment code;

if the account residual amount of the target object is larger than or equal to the payment amount, displaying a notification message of successful payment;

and if the account residual amount of the target object is less than the payment amount, displaying a notification message of payment failure.

11. The display method of claim 1, wherein after displaying the mobile payment interface, the method further comprises:

if the first code scanning device scans the payment code, sending a payment request to a first service server so that the first service server deducts payment amount from the account residual amount of the target object according to the payment request;

and if the second code scanning device scans the payment code, sending a payment request to a second service server so that the second service server deducts payment amount from the account residual amount of the target object according to the payment request, wherein the second service server and the first service server belong to servers used by different services.

12. The display method according to claim 11, wherein the method further comprises:

responding to an operation instruction aiming at a service setting control, and displaying a service setting interface, wherein the service setting interface displays the service control of the service to be bound;

and responding to a selection instruction aiming at the service control, and binding the payment code corresponding to the service to be bound with the payment code corresponding to the original service.

13. A payment interface display device, comprising:

the starting module is used for starting the biological characteristic acquisition device if the first operation action and the second operation action meet a payment awakening condition, wherein the biological characteristic acquisition device comprises at least one of an image acquisition device, a fingerprint acquisition device, an iris acquisition device and a voiceprint acquisition device;

and the display module is used for displaying a mobile payment interface if the information to be verified is successfully matched with the pre-stored information, wherein a payment code is displayed on the mobile payment interface.

14. A terminal device, comprising: a memory, a processor, and a bus system;

wherein the memory is used for storing programs;

the processor is configured to execute a program in the memory, the processor is configured to execute the display method of any one of claims 1 to 12 according to instructions in program code;

15. A computer-readable storage medium comprising instructions that, when executed on a computer, cause the computer to perform the display method of any one of claims 1 to 12.