CN116308374A - Payment method and device based on intelligent terminal - Google Patents
Payment method and device based on intelligent terminal Download PDFInfo
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- CN116308374A CN116308374A CN202211576080.6A CN202211576080A CN116308374A CN 116308374 A CN116308374 A CN 116308374A CN 202211576080 A CN202211576080 A CN 202211576080A CN 116308374 A CN116308374 A CN 116308374A
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Abstract
The invention provides a payment method based on an intelligent terminal, which comprises the following steps: s1, responding to a current payment request of the intelligent terminal, generating a payment order corresponding to the payment request, and acquiring current human body biological characteristic information acquired by the intelligent terminal; s2, verifying the current human body biological characteristic information obtained in the step S1; s3, executing a pre-configured payment strategy of the payment account number related to the human body biological characteristic information according to the verification result of the current human body biological characteristic information in the step S2.
Description
Technical Field
The present invention relates to the field of mobile payment, and in particular, to a payment method based on an intelligent terminal, a computer-readable storage medium, and an electronic device.
Background
The mobile client uses electronic products such as mobile terminals (e.g. mobile phones) to carry out electronic money payment, the mobile payment effectively combines the Internet, the terminal equipment and the financial institutions, a novel payment system is formed, and the mobile payment not only can carry out money payment, but also can pay telephone fees, fuel gas, water and electricity and other living fees. The mobile payment creates a new payment mode, so that the electronic money starts to be popularized.
However, with the increasing number of payment scenarios, the payment methods in the prior art are not easy to satisfy a specific payment scenario. In a home payment scenario, an existing intelligent terminal such as a television pays, a purchaser needs to hold other payable intelligent terminals such as a mobile phone, and the code scanning is performed on the television to finally finish payment on a mobile terminal associated with a payment account, such as the mobile phone. In the home payment scenario, when a family having a payment account is not viewing a movie in the home, a purchaser is a child or an elderly person (no payment account is available), and payment cannot be completed independently. In the prior art, the payment method adopted for the method is as follows: the child or the old needs to pay by sending a payment page to a family with a payment account through a terminal or sending a payment link to the family with the payment account through the terminal. The payment method brings inconvenience to the user.
In summary, in the existing mobile payment method, in a home payment scenario, especially when a family with a payment account is not watching a movie in a home, mobile payment is inconvenient, and a user with a payment account is bothered with tedious payment.
Disclosure of Invention
It is therefore an object of the present invention to overcome the above-mentioned drawbacks of the prior art and to provide a payment method based on an intelligent terminal, a computer readable storage medium and an electronic device.
The invention aims at realizing the following technical scheme:
according to a first aspect of the present invention, there is provided a payment method based on an intelligent terminal, the method comprising: s1, responding to a current payment request of the intelligent terminal, generating a payment order corresponding to the payment request, and acquiring current human body biological characteristic information acquired by the intelligent terminal; s2, verifying the current human body biological characteristic information obtained in the step S1; and S3, executing a pre-configured payment strategy of a payment account associated with the human body biological characteristic information according to the verification result of the current human body biological characteristic information in the step S2.
In some embodiments of the invention, the pre-configured payment policy of the payment account associated with the human biometric information comprises: and S31, judging whether the payment order meets the preset condition or not when the current human body biological characteristic information in the step S2 passes verification, and processing the payment order according to the judgment result.
In some embodiments of the present invention, the pre-configured payment policy of the payment account number associated with the human body biometric information further includes S32, when it is determined that the current human body biometric information in step S2 fails to pass verification, acquiring a payment password currently input by the intelligent terminal, verifying the payment password, and processing the payment order according to a verification result of the payment password.
In some embodiments of the present invention, the payment request includes a transaction object, a transaction amount, a transaction item, and a transaction time, and in the step S1, a payment order corresponding to the payment request is generated by: s11, responding to a current payment request of the intelligent terminal, and extracting a transaction object, transaction amount, transaction items and transaction time in the payment request; s12, filling the transaction object, the transaction amount, the transaction items and the transaction time extracted in the step S11 into a preset transaction template to generate a payment order corresponding to the payment request.
In some embodiments of the present invention, in the step S1, current human body biometric information acquired by the intelligent terminal is acquired through the following steps: t21, responding to the current payment request of the intelligent terminal, generating a human body biological characteristic information acquisition request and sending the human body biological characteristic information acquisition request to the intelligent terminal;
and T22, taking the received human body biological characteristic information acquired by the intelligent terminal in response to the human body biological characteristic information acquisition request as the current human body biological characteristic information acquired by the intelligent terminal.
In some embodiments of the present invention, in the step S2, the current human body biometric information obtained in the step S1 is verified by: s21, judging the similarity between the current human body biological characteristic information obtained in the step S1 and the human body biological characteristic information stored in advance; s21, when the current human body biological characteristic information obtained in the step S1 is similar to the pre-stored human body biological characteristic information, determining that the current human body biological characteristic information in the step S2 passes verification; when the current human body biological characteristic information obtained in the step S1 is dissimilar to the human body biological characteristic information stored in advance, it is determined that the current human body biological characteristic information in the step S2 is not verified.
In some embodiments of the invention, the step S21 includes: s211, respectively extracting feature vectors in the current human body biological feature information and the pre-stored human body biological feature information according to a preset feature template; s212, calculating the similarity by adopting the following rule based on the feature vector obtained in the step S211:
wherein S is similarity, N is length of feature vector, N 'i is first element in feature vector of pre-stored human body biological feature information, N' i is first element in feature vector of previous human body biological feature information; s212, comparing the similarity obtained in the step S212 with a preset similarity threshold, and determining that the current human body biological characteristic information is similar to the pre-stored human body biological characteristic information when the similarity obtained in the step S212 is determined to be larger than the preset similarity threshold; and when the similarity obtained in the determining step S212 is smaller than or equal to the preset similarity threshold, determining that the current human body biological characteristic information is dissimilar to the pre-stored human body biological characteristic information.
In some embodiments of the invention, the human biometric information is associated with the payment policy by: the method comprises the steps of obtaining a logged-in payment account, creating a payment strategy corresponding to a current payment account, inputting human body biological characteristic information of payable personnel, and associating and storing the input human body biological characteristic information with the payment strategy of the current payment account, wherein the payment account is associated with a mobile terminal.
In some embodiments of the invention, the step S31 includes: s311, determining a quota period in which the current payment order is located according to the transaction time in the current payment order; s312, summing the transaction amount in the current payment order with all transaction amounts in the limit time period determined in the step S311; s313, summing operation is carried out on the basis of each transaction amount before the transaction amount in the current payment order and the transaction amount in the current payment order; s314, comparing the calculated result in the step S313 with a pre-configured transaction amount, and determining that the payment order does not meet a preset condition when the calculated result in the step S313 is greater than or equal to the pre-configured transaction amount; when the calculation result in step S313 is smaller than the transaction amount limit configured in advance, it is determined that the payment order meets the preset condition.
In some embodiments of the present invention, the step S31 further includes:
s315, determining that the payment order does not meet a preset condition according to the judgment result, stopping the payment order, generating payment failure information, and sending the payment failure information to the intelligent terminal; and determining that the payment order meets the preset condition according to the judgment result, executing the payment order, generating payment information, and sending the payment information to the mobile terminal associated with the payment account.
According to a second aspect of the present invention there is provided a computer readable storage medium having stored thereon a computer program executable by a processor to perform the steps of the method according to the first aspect.
According to a third aspect of the present invention, there is provided an electronic device comprising: one or more processors; storage means for storing one or more programs which, when executed by the one or more processors, cause the electronic device to perform the steps of the method of the first aspect.
Compared with the prior art, the invention has the advantages that: according to the invention, through the pre-configured payment strategy of the payment account number associated with the human body biological characteristic information, when the payment order is paid, under the condition that the human body biological characteristic information passes verification, the payment is directly performed by verifying whether the payment order information meets the preset condition, so that the convenience of transaction is improved, and the application range of the payment account number in a home payment scene is enlarged.
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Embodiments of the invention are further described below with reference to the accompanying drawings, in which:
fig. 1 is a schematic flow chart of a payment method based on an intelligent terminal according to an embodiment of the present invention;
fig. 2 is a flowchart of a payment policy association method of a payment account according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of a payment method based on an intelligent terminal according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail by means of specific examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
As mentioned in the background art, in a home payment scene, particularly when a family with a payment account is not watching a movie in a home, the conventional mobile payment method is inconvenient in mobile payment, and the trouble of tedious payment is brought to the family with the payment account. In order to solve the problems, the invention carries out payment association with the human body biological characteristic information through the payment account number, and pre-configures the payment strategy of the payment account number associated with the human body biological characteristic information, and when specific payment is carried out, the payment is directly carried out by verifying whether the payment order information meets the preset condition or not under the condition that the human body biological characteristic information passes verification, so that the transaction convenience of the payment account number is improved. In summary, there is provided a payment method based on an intelligent terminal, as shown in fig. 1, the method comprising: s1, responding to a current payment request of the intelligent terminal, generating a payment order corresponding to the payment request, and acquiring current human body biological characteristic information acquired by the intelligent terminal; s2, verifying the current human body biological characteristic information obtained in the step S1; and S3, executing a pre-configured payment strategy of a payment account associated with the human body biological characteristic information according to the verification result of the current human body biological characteristic information in the step S2. In some embodiments of the invention, the pre-configured payment policy of the payment account associated with the human biometric information comprises: and S31, judging whether the payment order meets the preset condition or not when the current human body biological characteristic information in the step S2 passes verification, and processing the payment order according to the judgment result. In order to make the payment method provided by the invention bring convenience and better experience to users, in some embodiments of the invention, the payment policy of the pre-configured payment account number associated with the human body biological feature information further includes: s32, when the current human body biological characteristic information in the step S2 is determined to not pass the verification, acquiring a payment password currently input by the intelligent terminal, verifying the payment password, and processing the payment order according to the verification result of the payment password. The following will explain the steps of payment policy association from the payment account number and the human body biological characteristic information, the detailed explanation of each step in the payment method based on the intelligent terminal provided by the invention, and the three aspects of the application process of the invention.
In some embodiments of the invention, the intelligent terminal has a display screen, a communication module, and a camera; in particular, the smart terminal is preferably a smart television. In the step of carrying out payment policy association between the payment account and the human body biological characteristic information, the payment account is firstly logged in the intelligent television and stored in the intelligent television, and then the information of the payment policy is recorded under the condition that the payment account is logged in. It should be noted that, the payment policy is preconfigured in the payment server, and the information of the payment policy is input by storing the payment account number and the human body biological feature information in an associated manner, so as to be directly invoked in the subsequent payment method. As shown in fig. 2, a payment APP is started on the smart television, a payment account is logged in or after the payment account is registered, and then binding the payment account, setting a daily amount and a payment password, and inputting face information of a payable person are performed. The specific execution logic of this process is known to those skilled in the art, and will not be described in detail herein. In some embodiments of the invention, the human biometric information is associated with the payment policy by: the method comprises the steps of obtaining a logged-in payment account, creating a payment strategy corresponding to a current payment account, inputting human body biological characteristic information of a payable person, and associating and storing the human body biological characteristic information currently input by the payment account with the payment strategy of the payment account, wherein the payment account is associated with a mobile terminal. The human body biological characteristic information is associated with a payment policy of a payment account, and necessary preparation is made for subsequent payment method calling information, wherein the payment account is associated with a mobile terminal, namely the payment account is associated with an SIM card number in mobile communication, and when the payment account is known, a message can be sent to the mobile terminal associated with the payment account, such as a mobile phone, according to the SIM card number. The process of sending the message here is well known to those skilled in the art and will not be described in detail here.
In step S1, a payment order corresponding to a current payment request of the intelligent terminal is generated in response to the payment request, and current human body biological feature information acquired by the intelligent terminal is acquired. In some embodiments of the present invention, the payment request includes a transaction object, a transaction amount, a transaction item, and a transaction time, and in the step S1, a payment order corresponding to the payment request is generated by: s11, responding to a current payment request of the intelligent terminal, and extracting a transaction object, transaction amount, transaction items and transaction time in the payment request; s12, filling the transaction object, the transaction amount, the transaction items and the transaction time extracted in the step S11 into a preset transaction template to generate a payment order corresponding to the payment request. The preset transaction template is preset in the transaction service, and is simply called here, and those skilled in the art can understand the preset transaction template and will not be described here. In some embodiments of the present invention, in the step S1, current human body biometric information acquired by the intelligent terminal is acquired through the following steps: t21, responding to the current payment request of the intelligent terminal, generating a human body biological characteristic information acquisition request and sending the human body biological characteristic information acquisition request to the intelligent terminal; and T22, taking the received human body biological characteristic information acquired by the intelligent terminal in response to the human body biological characteristic information acquisition request as the current human body biological characteristic information acquired by the intelligent terminal. It should be noted that, in this embodiment, the step of acquiring the current human body biometric information acquired by the intelligent terminal is configured in the payment server to implement, the human body biometric information may be determined according to the definition in the prior art, for example, fingerprint and face information, and as a preferred preference, the human body biometric information is preferably face information. Specifically, a payment server responds to a current payment request of the intelligent terminal, generates a human body biological characteristic information acquisition request and sends the human body biological characteristic information acquisition request to the intelligent terminal; the intelligent terminal receives a human body biological characteristic information acquisition request, invokes a camera in the intelligent terminal to acquire human face information to be recorded, sends the human body biological characteristic information acquired in response to the human body biological characteristic information acquisition request to a payment server through a communication module, and the payment server uses the human body biological characteristic information acquired in response to the human body biological characteristic information acquisition request received by the intelligent terminal as current human body biological characteristic information acquired by the intelligent terminal so as to be used as prestored human body biological characteristic information for verification during specific payment.
In step S2, the current human body biometric information obtained in step S1 is verified. In some embodiments of the present invention, in the step S2, the current human body biometric information obtained in the step S1 is verified by: s21, judging the similarity between the current human body biological characteristic information obtained in the step S1 and the human body biological characteristic information stored in advance; s21, when the current human body biological characteristic information obtained in the step S1 is similar to the pre-stored human body biological characteristic information, determining that the current human body biological characteristic information in the step S2 passes verification; when the current human body biological characteristic information obtained in the step S1 is dissimilar to the human body biological characteristic information stored in advance, it is determined that the current human body biological characteristic information in the step S2 is not verified. In some embodiments of the invention, the step S21 includes: s211, respectively extracting feature vectors in the current human body biological feature information and the pre-stored human body biological feature information according to a preset feature template; s212, calculating the similarity by adopting the following rule based on the feature vector obtained in the step S211:
wherein S is similarity, N is length of feature vector, N 'i is first element in feature vector of pre-stored human body biological feature information, N' i is first element in feature vector of previous human body biological feature information; s212, comparing the similarity obtained in the step S212 with a preset similarity threshold, and determining that the current human body biological characteristic information is similar to the pre-stored human body biological characteristic information when the similarity obtained in the step S212 is determined to be larger than the preset similarity threshold; and when the similarity obtained in the determining step S212 is smaller than or equal to the preset similarity threshold, determining that the current human body biological characteristic information is dissimilar to the pre-stored human body biological characteristic information. Preferably, the preset similarity threshold is set to 0.9 for security and verification efficiency. It should be noted that, in step S211, the feature vectors in the current human body biological feature information and the pre-stored human body biological feature information are extracted according to the preset feature templates, where the preset feature templates refer to feature extraction networks obtained through training of the existing data set, such as CNN, and the extraction process and the training process are known to those skilled in the art and are not repeated herein.
In some embodiments of the invention, the step S31 includes: s311, determining a quota period in which the current payment order is located according to the transaction time in the current payment order; s312, summing the transaction amount in the current payment order with all transaction amounts in the limit time period determined in the step S311; s313, summing operation is carried out on the basis of each transaction amount before the transaction amount in the current payment order and the transaction amount in the current payment order; s314, comparing the calculated result in the step S313 with the transaction amount limit which is pre-configured, and determining that the payment order does not meet the preset condition when the calculated result in the step S313 is greater than or equal to the transaction amount limit which is pre-configured (i.e. the daily amount); when the calculation result in step S313 is smaller than the transaction amount limit configured in advance, it is determined that the payment order meets the preset condition. It should be noted that, in step S311, according to the transaction time determined in the current payment order, a quota period in which the current payment order is located is determined, for example, when the transaction time is 2020, 11, 5, 12, 50 minutes, and the quota period is one day, i.e. 0 to 24 points; the quota period in which the current payment order is located is the day of 11 months and 5 days 2020. Each transaction amount before the transaction amount in the current payment order refers to each transaction between 0 point and 12 points and 50 points in the 5 th month of 2020, wherein the information of each payment order of the account is stored on a payment server, and the transaction amount is directly called for simple summation according to the transaction time during summation operation so as to judge whether the current payment order meets the preset condition, so that the problem of complex transaction in the payment method is reduced.
In some embodiments of the present invention, the step S31 further includes: s315, determining that the payment order does not meet a preset condition according to the judgment result, stopping the payment order, generating payment failure information, and sending the payment failure information to the intelligent terminal; and determining that the payment order meets the preset condition according to the judgment result, executing the payment order, generating payment information, and sending the payment information to the mobile terminal associated with the payment account. It should be noted that, in the step S32, when it is determined that the current biometric information of the human body in the step S2 fails to pass the verification, the payment password currently input by the intelligent terminal is obtained, the payment password is verified, and the payment order is processed according to the verification result of the payment password. The steps of obtaining the payment password currently input by the intelligent terminal in the step S32, verifying the payment password, and processing the payment order according to the verification result of the payment password are all known in the art and are not described herein again; and processing the payment order according to the verification result of the payment password is the same as processing the payment order according to the payment order judgment result, and will not be described here again.
In order to better illustrate the technical effects of the present invention, the following detailed description will be made in connection with specific application scenarios. The intelligent terminal is set as an intelligent television, the mobile terminal associated with the payment account is set as a mobile phone, and the human body biological characteristic information is set as the face information of the child (namely, the payable personnel). As shown in fig. 3, a payable person selects a content to be paid on an intelligent television, and finally, a current payment request of an intelligent terminal (intelligent television) is generated by clicking a payment virtual button displayed on the intelligent television, the intelligent television sends the request to a payment server, and the payment server responds to the current payment request of the intelligent television to generate a human body biological characteristic information acquisition request and sends the human body biological characteristic information acquisition request to the intelligent television; the intelligent television receives a human body biological characteristic information acquisition request, starts and calls a camera in the intelligent terminal to acquire human face information to be input (a child is in front of a television certificate to input child human face information to be verified in a transaction), sends human body biological characteristic information acquired in response to the human body biological characteristic information acquisition request (human face information of a person to be paid) to a payment server through a communication module, and the payment server takes the human body biological characteristic information acquired in response to the human body biological characteristic information acquisition request received by the intelligent terminal as current human body biological characteristic information (human face information of the person to be paid) acquired by the intelligent terminal and carries out similarity judgment with prestored child human face information so as to judge whether the person to be paid is currently, if the person to be paid is payable, judges whether the payment order meets preset conditions (namely judges whether the current limit is met), and if the preset conditions are met, the payment order is executed, and the payment is successful; if the preset conditions are not met, the payment order is not executed, and the payment fails. If the payment password is not the payable person, the payment server acquires the payment password which is required to be input by the payable person currently by the intelligent terminal, verifies the payment password, and if the verification of the payment password is passed, executes the payment order, and the payment is successful; if the verification of the payment password is not passed or the input payment password is not obtained, the payment order is not executed, and the payment fails.
In summary, before the smart television terminal pays, the user is required to log in, bind the payment account number and set the daily limit and the payment password, and the face information of the payable person is recorded through the television camera. And when the television terminal pays, starting the camera to carry out face recognition, and initiating deduction to the bound payment account through the face recognition. And selecting a password for payment after the face recognition fails, and initiating deduction when the payment password is correctly input. The invention simplifies the television payment flow by utilizing face recognition through a traditional online payment mode different from a television, and simultaneously enables the whole family member to pay on the television without using a mobile phone through face information input.
It should be noted that, although the steps are described above in a specific order, it is not meant to necessarily be performed in the specific order, and in fact, some of the steps may be performed concurrently or even in a changed order, as long as the required functions are achieved.
The present invention may be a system, method, and/or computer program product. The computer program product may include a computer readable storage medium having computer readable program instructions embodied thereon for causing a processor to implement aspects of the present invention.
The computer readable storage medium may be a tangible device that retains and stores instructions for use by an instruction execution device. The computer readable storage medium may include, for example, but is not limited to, an electronic storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: portable computer disks, hard disks, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), static Random Access Memory (SRAM), portable compact disk read-only memory (CD-ROM), digital Versatile Disks (DVD), memory sticks, floppy disks, mechanical coding devices, punch cards or in-groove structures such as punch cards or grooves having instructions stored thereon, and any suitable combination of the foregoing.
The foregoing description of embodiments of the invention has been presented for purposes of illustration and description, and is not intended to be exhaustive or limited to the embodiments disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the various embodiments described. The terminology used herein was chosen in order to best explain the principles of the embodiments, the practical application, or the technical improvements in the marketplace, or to enable others of ordinary skill in the art to understand the embodiments disclosed herein.
Claims (10)
1. A payment method based on an intelligent terminal, the method comprising:
s1, responding to a current payment request of the intelligent terminal, generating a payment order corresponding to the payment request, and acquiring current human body biological characteristic information acquired by the intelligent terminal;
s2, verifying the current human body biological characteristic information obtained in the step S1;
s3, executing a pre-configured payment strategy of a payment account number associated with the human body biological characteristic information according to the verification result of the current human body biological characteristic information in the step S2, wherein the pre-configured payment strategy of the payment account number associated with the human body biological characteristic information comprises the following steps:
and S31, judging whether the payment order meets the preset condition or not when the current human body biological characteristic information in the step S2 passes verification, and processing the payment order according to the judgment result.
2. The method according to claim 1, wherein in the step S3, the pre-configured payment policy of the payment account number associated with the human biometric information further comprises:
s32, when the current human body biological characteristic information in the step S2 is determined to not pass the verification, acquiring a payment password currently input by the intelligent terminal, verifying the payment password, and processing the payment order according to the verification result of the payment password.
3. The method according to claim 2, characterized in that the payment request comprises a transaction object, a transaction amount, a transaction item, a transaction time, in which step S1 a payment order corresponding to the payment request is generated by:
s11, responding to a current payment request of the intelligent terminal, and extracting a transaction object, transaction amount, transaction items and transaction time in the payment request;
s12, filling the transaction object, the transaction amount, the transaction items and the transaction time extracted in the step S11 into a preset transaction template to generate a payment order corresponding to the payment request.
4. The method according to claim 2, wherein in the step S1, the current human body biometric information collected by the intelligent terminal is obtained by:
t21, responding to the current payment request of the intelligent terminal, generating a human body biological characteristic information acquisition request and sending the human body biological characteristic information acquisition request to the intelligent terminal;
and T22, taking the received human body biological characteristic information acquired by the intelligent terminal in response to the human body biological characteristic information acquisition request as the current human body biological characteristic information acquired by the intelligent terminal.
5. The method according to claim 4, wherein in the step S2, the current human body biometric information obtained in the step S1 is verified by:
s21, judging the similarity between the current human body biological characteristic information obtained in the step S1 and the human body biological characteristic information stored in advance;
s21, when the current human body biological characteristic information obtained in the step S1 is similar to the pre-stored human body biological characteristic information, determining that the current human body biological characteristic information in the step S2 passes verification; when the current human body biological characteristic information obtained in the step S1 is dissimilar to the human body biological characteristic information stored in advance, it is determined that the current human body biological characteristic information in the step S2 is not verified.
6. The method according to claim 5, wherein the step S21 includes:
s211, respectively extracting feature vectors in the current human body biological feature information and the pre-stored human body biological feature information according to a preset feature template;
s212, calculating the similarity by adopting the following rule based on the feature vector obtained in the step S211:
wherein S is similarity, N is length of feature vector, N 'i is first element in feature vector of pre-stored human body biological feature information, N' i is first element in feature vector of previous human body biological feature information;
s212, comparing the similarity obtained in the step S212 with a preset similarity threshold, and determining that the current human body biological characteristic information is similar to the pre-stored human body biological characteristic information when the similarity obtained in the step S212 is determined to be larger than the preset similarity threshold; and when the similarity obtained in the determining step S212 is smaller than or equal to the preset similarity threshold, determining that the current human body biological characteristic information is dissimilar to the pre-stored human body biological characteristic information.
7. The method of claim 2, wherein the human biometric information is associated with the payment policy by:
the method comprises the steps of obtaining a logged-in payment account, creating a payment strategy corresponding to a current payment account, inputting human body biological characteristic information of a payable person, and associating and storing the human body biological characteristic information currently input by the payment account with the payment strategy of the payment account, wherein the payment account is associated with a mobile terminal.
8. The method according to claim 7, wherein the step S31 includes:
s311, determining a quota period in which the current payment order is located according to the transaction time in the current payment order;
s312, summing the transaction amount in the current payment order with all transaction amounts in the limit time period determined in the step S311;
s313, summing operation is carried out on the basis of each transaction amount before the transaction amount in the current payment order and the transaction amount in the current payment order;
s314, comparing the calculated result in the step S313 with a pre-configured transaction amount, and determining that the payment order does not meet a preset condition when the calculated result in the step S313 is greater than or equal to the pre-configured transaction amount; when the calculation result in step S313 is smaller than the transaction amount limit configured in advance, determining that the determination result is that the payment order meets the preset condition;
s315, determining that the payment order does not meet a preset condition according to the judgment result, stopping the payment order, generating payment failure information, and sending the payment failure information to the intelligent terminal; and determining that the payment order meets the preset condition according to the judgment result, executing the payment order, generating payment information, and sending the payment information to the mobile terminal associated with the payment account.
9. A computer readable storage medium, having stored thereon a computer program executable by a processor to implement the steps of the method of any one of claims 1 to 8.
10. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the electronic device to perform the steps of the method of any of claims 1-8.
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| CN202211576080.6A CN116308374A (en) | 2022-12-08 | 2022-12-08 | Payment method and device based on intelligent terminal |
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