WO2017016038A1 - 支付方法、支付装置、终端和支付系统 - Google Patents

支付方法、支付装置、终端和支付系统 Download PDF

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Publication number
WO2017016038A1
WO2017016038A1 PCT/CN2015/088497 CN2015088497W WO2017016038A1 WO 2017016038 A1 WO2017016038 A1 WO 2017016038A1 CN 2015088497 W CN2015088497 W CN 2015088497W WO 2017016038 A1 WO2017016038 A1 WO 2017016038A1
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WIPO (PCT)
Prior art keywords
information
payment
terminal
user
biometric information
Prior art date
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Ceased
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PCT/CN2015/088497
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English (en)
French (fr)
Inventor
董志伟
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Publication of WO2017016038A1 publication Critical patent/WO2017016038A1/zh
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Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Definitions

  • the present invention relates to the field of terminal technologies, and in particular, to a payment method for a receiver terminal, a payment device, a terminal, a payment method for a sender terminal, a payment device, a terminal, and A payment system.
  • the account of the sender terminal is displayed in the payment interface of the sender terminal, that is, the account of the user of the receiver terminal is selected, and after the sender terminal selects, As shown in FIG. 2, the payment information of the sender terminal is displayed on the payment interface of the recipient terminal, and the recipient terminal can perform payment on behalf of the sender terminal according to the payment information.
  • the user of the receiver terminal cannot effectively identify whether the user of the sender terminal is a legitimate user of the sender terminal, and therefore, the user at the sender terminal is illegal when the account is stolen.
  • the use of its account for illegal operations results in a certain economic loss to the users of the recipient terminal.
  • the present invention is based on the above problems, and proposes a new technical solution.
  • the first aspect of the present invention proposes a payment method for receiving end End, comprising: receiving current biometric information and payment information collected from the sender terminal; matching the current biometric information with the authentication biometric information of the sender terminal; and when the current biometric information is When the authentication biometric information matches, the payment is made according to the received payment instruction.
  • the user of the sender terminal is received.
  • the current biometric information is matched with the authentication biometric information of the legitimate user of the sender terminal to determine whether the user who sends the payment information is a legitimate user.
  • the payment information is determined. It is sent by a legitimate user, that is, the payment information sent by the sender terminal is secure and reliable, and the receiver terminal can perform payment on behalf of the sender terminal, thereby effectively preventing the receiver terminal from paying for the illegal user, thereby avoiding the receiver.
  • the user of the terminal brings economic loss and improves the user experience.
  • the payment information includes personal information of a user of the sender terminal; and matching the biometric identification information with the authentication biometric information of the sender terminal.
  • the method includes: acquiring biometric information corresponding to the personal information in the pre-stored biometric information as the authentication biometric information.
  • the biometric information corresponding to the personal information in the payment information is acquired as the authentication biometric information in the pre-stored at least one biometric information, and the personal information is the information of the legitimate user of the sender terminal. Therefore, it is possible to quickly and accurately determine whether the user who sent the payment information is a legitimate user according to the authentication biometric information.
  • the method further includes: when the current biometric information does not match the authentication biometric information, prohibiting payment according to the payment information, and prompting a user of the recipient terminal.
  • the user who sends the payment information through the sender terminal is an illegal user, that is, the payment information is unsecure and untrustworthy, and the receiving party is prohibited.
  • the terminal performs payment on behalf of the sender terminal, and prompts the user of the receiver terminal, for example, the user who prompts the receiver terminal that the payment information is insecure, from And avoiding economic losses to users of the receiver terminal.
  • the current biometric identification information and the authentication biometric identification information comprise one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information.
  • the current biometric identification information and the authentication biometric identification information include, but are not limited to, one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, due to collecting current biometric information and It is very convenient and fast to authenticate biometric information, so that it is quick and convenient to judge whether the user of the sender terminal is a legitimate user.
  • a second aspect of the present invention provides a payment apparatus for a receiving terminal, comprising: a receiving unit, configured to receive collected current biometric information and payment information from a sender terminal; and a matching unit, configured to: The current biometric information is matched with the authentication biometric information of the sender terminal; the payment unit is configured to perform payment according to the received payment instruction when the current biometric information matches the authentication biometric information .
  • the user of the sender terminal is received.
  • the current biometric information is matched with the authentication biometric information of the legitimate user of the sender terminal to determine whether the user who sends the payment information is a legitimate user.
  • the payment information is determined. It is sent by a legitimate user, that is, the payment information sent by the sender terminal is secure and reliable, and the receiver terminal can perform payment on behalf of the sender terminal, thereby effectively preventing the receiver terminal from paying for the illegal user, thereby avoiding the receiver.
  • the user of the terminal brings economic loss and improves the user experience.
  • the payment information includes personal information of a user of the sender terminal; and further includes: an acquiring unit, configured to acquire the personal information in the pre-stored at least one biometric information Corresponding biometric information is used as the authentication biometric information.
  • the biometric information corresponding to the personal information in the payment information is acquired as the authentication biometric information in the pre-stored at least one biometric information, and the personal information is the information of the legitimate user of the sender terminal.
  • Biometric identification letter The information is quickly and accurately determined whether the user who sent the payment information is a legitimate user.
  • the method further includes: an executing unit, configured to prohibit payment according to the payment information when the current biometric information does not match the authentication biometric information, and prompt the receiving The user of the party terminal.
  • the user who sends the payment information through the sender terminal is an illegal user, that is, the payment information is unsecure and untrustworthy, and the receiving party is prohibited.
  • the terminal performs payment on behalf of the sender terminal, and prompts the user of the receiver terminal, for example, the user who prompts the receiver terminal that the payment information is unsecure, thereby avoiding economic loss to the user of the receiver terminal.
  • the current biometric identification information and the authentication biometric identification information comprise one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information.
  • the current biometric identification information and the authentication biometric identification information include, but are not limited to, one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, due to collecting current biometric information and It is very convenient and fast to authenticate biometric information, so that it is quick and convenient to judge whether the user of the sender terminal is a legitimate user.
  • a third aspect of the present invention provides a terminal, comprising the payment device according to any one of the above aspects, wherein the terminal has the same technical effect as the payment device according to any one of the above aspects, This will not be repeated here.
  • a fourth aspect of the present invention provides a payment method, for a sender terminal, comprising: collecting current biometric information of a user of the sender terminal; and transmitting the current biometric information and payment information to a receiver terminal And determining, by the receiving terminal, whether to perform payment according to the current biometric information.
  • the current biometric information of the user of the sender terminal may be collected and sent together with the payment information to the receiver terminal for the receiver terminal.
  • the current biometric identification information is identified to determine whether the user of the sender terminal is a legitimate user, thereby effectively avoiding the recipient terminal from paying for the illegal user, thereby avoiding economic loss to the user of the receiver terminal and improving the user experience. .
  • the method before the step of collecting current biometric information of the user of the sender terminal, the method includes: turning on a proxy payment mode of the sender terminal.
  • the current biometric identification information and the payment information collected are sent to the receiver terminal in the generation payment mode by turning on the generation payment mode of the sender terminal, thereby improving the reliability of the payment.
  • the current biometric information includes one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and face recognition information.
  • the current biometric information includes but is not limited to one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, since collecting current biometric information is very convenient and fast, thereby The sender terminal requests the recipient terminal to make payment for it to ensure the convenience of payment.
  • a fifth aspect of the present invention provides a payment apparatus, for a sender terminal, comprising: an acquisition unit, configured to collect current biometric information of a user of the sender terminal; and a sending unit, configured to: use the current biometric
  • the identification information and the payment information are transmitted to the recipient terminal for the recipient terminal to determine whether to make a payment based on the biometric information.
  • the current biometric information of the user of the sender terminal may be collected and sent together with the payment information to the receiver terminal for the receiver terminal to The current biometric information is identified to determine whether the user of the sender terminal is a legitimate user, thereby effectively avoiding the recipient terminal from paying for the illegal user, thereby avoiding economic loss to the user of the receiver terminal and improving the user experience.
  • the method further includes: an opening unit, configured to enable the generation payment mode of the sender terminal.
  • the current biometric identification information and the payment information collected are sent to the receiver terminal in the generation payment mode by turning on the generation payment mode of the sender terminal, thereby improving the reliability of the payment.
  • the current biometric information includes one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and face recognition information.
  • the current biometric information includes but is not limited to one of the following or a group thereof Combining: fingerprint identification information, voice recognition information, iris recognition information and face recognition information, since collecting current biometric information is very convenient and fast, the convenience of payment is ensured when the sender terminal requests the recipient terminal to pay for it.
  • a sixth aspect of the present invention provides a terminal, comprising the payment device for a sender terminal according to any one of the above aspects, wherein the terminal has the same as described in any one of the above aspects.
  • the same technical effects of the payment device of the sender terminal are not described herein.
  • a seventh aspect of the present invention provides a payment system, comprising: a terminal in the above technical solution, the terminal includes a payment device for a receiver terminal; and a terminal in the above technical solution, the terminal includes a terminal for a sender
  • the payment device has the same technical effect as any of the above-mentioned technical solutions, and details are not described herein again.
  • the technical solution of the present invention can accurately determine whether the user who sends the payment information is a legitimate user by identifying the current biometric information of the user of the sender terminal, thereby effectively preventing the recipient terminal from making an payment for the illegal user. In turn, economic losses to the users of the recipient terminal are avoided.
  • FIG. 1 is a schematic diagram showing a payment interface of a sender terminal in the related art
  • FIG. 2 is a schematic diagram showing a payment interface of a receiver terminal in the related art
  • FIG. 3 is a flow chart showing a payment method for a receiver terminal according to an embodiment of the present invention
  • FIG. 4 is a block diagram showing the structure of a payment device for a receiver terminal according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
  • FIG. 6 is a flow chart showing a payment method for a sender terminal according to an embodiment of the present invention.
  • FIG. 7 is a block diagram showing the structure of a payment device for a sender terminal according to an embodiment of the present invention.
  • FIG. 8 is a block diagram showing the structure of a terminal according to another embodiment of the present invention.
  • FIG. 9 is a block diagram showing the structure of a payment system according to an embodiment of the present invention.
  • FIG. 10 is a block diagram showing the structure of a payment system according to another embodiment of the present invention.
  • FIG. 11 is a schematic diagram showing a payment interface of a sender terminal according to an embodiment of the present invention.
  • FIG. 12 is a schematic diagram showing fingerprint matching of a receiver terminal according to an embodiment of the present invention.
  • Figure 13 shows a schematic diagram of a payment interface of a recipient terminal in accordance with one embodiment of the present invention.
  • FIG. 3 shows a flow chart of a payment method for a recipient terminal according to an embodiment of the present invention.
  • a payment method for a receiver terminal according to an embodiment of the present invention, for a receiver terminal includes:
  • Step 302 Receive current biometric identification information and payment information collected from a sender terminal.
  • Step 304 Match the current biometric identification information with the authentication biometric identification information of the sender terminal.
  • Step 306 When the current biometric information matches the authentication biometric information, the payment is performed according to the received payment instruction.
  • the user of the sender terminal is received.
  • the current biometric information is matched with the authentication biometric information of the legitimate user of the sender terminal to determine whether the user who sent the payment information is legal.
  • the receiving terminal may perform the sending on behalf of the sending terminal. Payment, thereby effectively avoiding the payment of the illegal user by the receiving terminal, thereby avoiding economic loss to the user of the receiving terminal and improving the user experience.
  • the payment information includes personal information of a user of the sender terminal; and before step 304, including: acquiring, in the pre-stored at least one biometric information, the personal information corresponding to the personal information Biometric information and as the authentication biometric information.
  • the biometric information corresponding to the personal information in the payment information is acquired as the authentication biometric information in the pre-stored at least one biometric information, and the personal information is the information of the legitimate user of the sender terminal. Therefore, it is possible to quickly and accurately determine whether the user who sent the payment information is a legitimate user according to the authentication biometric information.
  • the method further includes: when the current biometric information does not match the authentication biometric information, prohibiting payment according to the payment information, and prompting a user of the recipient terminal.
  • the user who sends the payment information through the sender terminal is an illegal user, that is, the payment information is unsecure and untrustworthy, and the receiving party is prohibited.
  • the terminal performs payment on behalf of the sender terminal, and prompts the user of the receiver terminal, for example, the user who prompts the receiver terminal that the payment information is unsecure, thereby avoiding economic loss to the user of the receiver terminal.
  • the current biometric identification information and the authentication biometric identification information comprise one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information.
  • the current biometric identification information and the authentication biometric identification information include, but are not limited to, one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, due to collecting current biometric information and It is very convenient and fast to authenticate biometric information, so that it is quick and convenient to judge whether the user of the sender terminal is a legitimate user.
  • Figure 4 illustrates a payment device for a recipient terminal in accordance with one embodiment of the present invention. Schematic.
  • a payment device 400 for a receiver terminal is used for a receiver terminal, and includes: a receiving unit 402, configured to receive the collected current biometric information from the sender terminal. And the payment information; the matching unit 404 is configured to match the current biometric information with the authentication biometric information of the sender terminal; the payment unit 406 is configured to use the current biometric information and the authentication When the biometric information is matched, the payment is made according to the received payment instruction.
  • the user of the sender terminal is received.
  • the current biometric information is matched with the authentication biometric information of the legitimate user of the sender terminal to determine whether the user who sends the payment information is a legitimate user.
  • the payment information is determined. It is sent by a legitimate user, that is, the payment information sent by the sender terminal is secure and reliable, and the receiver terminal can perform payment on behalf of the sender terminal, thereby effectively preventing the receiver terminal from paying for the illegal user, thereby avoiding the receiver.
  • the user of the terminal brings economic loss and improves the user experience.
  • the payment information includes personal information of a user of the sender terminal; and further includes: an obtaining unit 408, configured to acquire the personal information in the pre-stored at least one biometric information The biometric information corresponding to the information is used as the authentication biometric information.
  • the biometric information corresponding to the personal information in the payment information is acquired as the authentication biometric information in the pre-stored at least one biometric information, and the personal information is the information of the legitimate user of the sender terminal. Therefore, it is possible to quickly and accurately determine whether the user who sent the payment information is a legitimate user according to the authentication biometric information.
  • the method further includes: an executing unit 410, when the current biometric information does not match the authentication biometric information, prohibiting payment according to the payment information, and prompting the The user of the recipient terminal.
  • the user who sends the payment information through the sender terminal is an illegal user, that is, the payment information is not If the user is secure and untrustworthy, the receiver terminal is prohibited from making payment on behalf of the sender terminal, and the user of the receiver terminal, for example, prompting the user of the receiver terminal, that the payment information is insecure, thereby avoiding the user of the receiver terminal.
  • the receiver terminal is prohibited from making payment on behalf of the sender terminal, and the user of the receiver terminal, for example, prompting the user of the receiver terminal, that the payment information is insecure, thereby avoiding the user of the receiver terminal.
  • the current biometric identification information and the authentication biometric identification information comprise one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information.
  • the current biometric identification information and the authentication biometric identification information include, but are not limited to, one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, due to collecting current biometric information and It is very convenient and fast to authenticate biometric information, so that it is quick and convenient to judge whether the user of the sender terminal is a legitimate user.
  • FIG. 5 shows a schematic structural diagram of a terminal according to an embodiment of the present invention.
  • a terminal 500 according to an embodiment of the present invention includes the payment device 400 according to any one of the above aspects, and therefore, the terminal 500 has the payment described in any one of the above technical solutions.
  • the same technical effects of the device 400 are not described herein.
  • FIG. 6 shows a flow chart of a payment method for a sender terminal according to an embodiment of the present invention.
  • a payment method for a sender terminal according to an embodiment of the present invention, for a sender terminal includes:
  • Step 602 Collect current biometric information of a user of the sender terminal.
  • Step 604 Send the current biometric identification information and payment information to the receiver terminal, so that the receiver terminal determines whether to perform payment according to the current biometric identification information.
  • the current biometric information of the user of the sender terminal may be collected and sent together with the payment information to the receiver terminal for the receiver terminal to The current biometric information is identified to determine whether the user of the sender terminal is a legitimate user, thereby effectively avoiding the recipient terminal from paying for the illegal user, thereby avoiding economic loss to the user of the receiver terminal and improving the user experience.
  • the method includes: turning on a generation payment mode of the sender terminal.
  • the current biometric identification information and the payment information collected are sent to the receiver terminal in the generation payment mode by turning on the generation payment mode of the sender terminal, thereby improving the reliability of the payment.
  • the current biometric information includes one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and face recognition information.
  • the current biometric information includes but is not limited to one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, since collecting current biometric information is very convenient and fast, thereby The sender terminal requests the recipient terminal to make payment for it to ensure the convenience of payment.
  • FIG. 7 is a block diagram showing the structure of a payment device for a sender terminal according to an embodiment of the present invention.
  • a payment device 700 for a sender terminal is used for a sender terminal, and includes: an acquisition unit 702, configured to collect current biometric identification of a user of the sender terminal.
  • the sending unit 704 is configured to send the current biometric information and the payment information to the receiving terminal, so that the receiving terminal determines whether to perform payment according to the biometric information.
  • the current biometric information of the user of the sender terminal may be collected and sent together with the payment information to the receiver terminal for the receiver terminal to The current biometric information is identified to determine whether the user of the sender terminal is a legitimate user, thereby effectively avoiding the recipient terminal from paying for the illegal user, thereby avoiding economic loss to the user of the receiver terminal and improving the user experience.
  • the method further includes: an opening unit 706, configured to enable a proxy payment mode of the sender terminal.
  • the current biometric identification information and the payment information collected are sent to the receiver terminal in the generation payment mode by turning on the generation payment mode of the sender terminal, thereby improving the reliability of the payment.
  • the current biometric information includes one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and face recognition information.
  • the current biometric information includes but is not limited to one or a combination of the following: fingerprint identification information, voice recognition information, iris recognition information, and facial recognition information, since collecting current biometric information is very convenient and fast, thereby The sender terminal requests the recipient terminal to make payment for it to ensure the convenience of payment.
  • FIG. 8 is a block diagram showing the structure of a terminal according to another embodiment of the present invention.
  • a terminal 800 according to another embodiment of the present invention includes the payment device 700 for a sender terminal according to any one of the foregoing technical solutions. Therefore, the terminal 800 has the above technical solution.
  • the same technical effects of the payment device 700 for the sender terminal described in any one of the above are not described herein.
  • FIG. 9 is a block diagram showing the structure of a payment system in accordance with one embodiment of the present invention.
  • a payment system 900 includes: a terminal 500 in the above technical solution, the terminal 500 includes a payment device for a receiver terminal; and a terminal 800 in the above technical solution, The terminal 800 includes a payment device for the sender terminal. Therefore, the payment system 900 has the same technical effects as the terminal 500 and the terminal 800 in the above technical solution, and details are not described herein again.
  • FIG. 10 is a block diagram showing the structure of a payment system according to another embodiment of the present invention.
  • a payment system 1000 includes a sender terminal 1002 and a receiver terminal 1004.
  • the sender terminal 1002 includes a first data module 10022 for initiating generation of the sender terminal 1002.
  • the current fingerprint information current biometric information
  • the current fingerprint information and the payment information are written into the transaction list, wherein the payment information includes the personal information of the legitimate user of the sender terminal 1002.
  • the transaction list is sent to the recipient terminal 1004.
  • the receiver terminal 1004 includes a second data module 10042, an authentication module 10044, and a processing module 10046.
  • the second data module 10042 is configured to open a transaction list sent by the sender terminal 1002, and obtain current fingerprint information in the transaction list.
  • the authentication module 10044 is configured to acquire, in the pre-stored at least one piece of fingerprint information (at least one biometric information), authentication fingerprint information (authentication biometric information) corresponding to the personal information of the sender terminal 1002, and the current The fingerprint information is matched with the authentication fingerprint information.
  • the processing module 10046 uses When the user identifying the sender terminal 1002 is a legitimate user, if the correct payment password input by the user is received, the payment is performed according to the payment information, and the processing module 10046 is further configured to acquire the authentic user of the sender terminal 1002.
  • the fingerprint information is stored, and the authentication fingerprint information is stored in association with a legitimate user of the sender terminal 1002.
  • FIG. 11 is a schematic diagram showing a payment interface of a sender terminal according to an embodiment of the present invention
  • FIG. 12 is a schematic diagram showing fingerprint matching of a receiver terminal according to an embodiment of the present invention
  • the sender terminal requests the receiver terminal to pay on behalf of the sender terminal, in addition to inputting the user account of the receiver terminal, the verification code, or the message to the user of the receiver terminal, on the payment interface of the sender terminal. And collecting current fingerprint information (current biometric information) of the user of the sender terminal to jointly send the current fingerprint information and the payment information to the receiver terminal, where the payment information includes personal information of the user of the sender terminal, Whether the user of the sender terminal is a legitimate user for the receiver terminal to identify.
  • current fingerprint information current biometric information
  • the receiving terminal when the receiving terminal receives the current fingerprint information and the payment information from the sender terminal, the authentication fingerprint information corresponding to the personal information is acquired in the pre-stored at least one fingerprint information, and the current fingerprint information is obtained. Matching with the authentication fingerprint information to determine whether the user of the recipient terminal is a legitimate user.
  • the display is performed in the payment interface of the receiver terminal to prompt the user that the payment information is secure and trusted payment information. For example, on the display interface of the receiving terminal, the prompt "confirmation of the fingerprint is confirmed by the fingerprint", so that the user of the receiving terminal can make a secure payment.
  • the receiver can identify the current biometric information of the user of the sender terminal to accurately determine whether the user who sends the payment information is a legitimate user, thereby effectively avoiding the receiver terminal. Paying for illegal users, thereby avoiding economic losses to users of the recipient terminal.

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Abstract

一种支付方法、支付装置和终端，其中，所述支付方法包括：接收来自发送方终端的采集的当前生物识别信息和支付信息（302）；将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配（304）；当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付（306）。通过接收方终端识别发送方终端的用户的当前生物识别信息可以准确地确定发送支付信息的用户是否为合法用户，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失。

Description

支付方法、支付装置、终端和支付系统 技术领域
本发明涉及终端技术领域，具体而言，涉及一种用于接收方终端的支付方法、一种支付装置、一种终端、用于发送方终端的支付方法、一种支付装置、一种终端和一种支付系统。
背景技术
如图1所示，发送方终端在请求接收方终端代其支付时，发送方终端的支付界面中显示有选择好友的账户，即选择接收方终端的用户的账户，在发送方终端选择后，如图2所示，在接收方终端的支付界面上显示有发送方终端的支付信息，接收方终端可以根据支付信息代发送方终端进行支付。但是，相关技术中的代支付方案中，接收方终端的用户不能有效地识别出发送方终端的用户是否为发送方终端的合法用户，因此，在发送方终端的用户在账号被盗时非法用户使用其账号进行非法操作，导致给接收方终端的用户带来一定的经济损失。
因此，在发送方终端在向接收方终端发送代发送方终端进行支付的请求时，如何使接收方终端的用户准确有效地识别出发送方终端的用户是否为合法用户，从而避免接收方终端的用户为非法用户进行支付成为亟待解决的问题。
发明内容
本发明正是基于上述问题，提出了一种新的技术方案，通过接收方终端识别发送方终端的用户的当前生物识别信息可以准确地确定发送支付信息的用户是否为合法用户，从而有效地避免了接收方终端为非法用户进行支付，进而避免了给接收方终端的用户带来经济损失。
有鉴于此，本发明的第一方面提出了一种支付方法，用于接收方终 端，包括：接收来自发送方终端的采集的当前生物识别信息和支付信息；将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配；当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付。
在该技术方案中，当接收到来自发送方终端的当前生物识别信息和支付信息时，即在接收到来自发送方终端的代发送方终端进行支付的请求时，通过对发送方终端的用户的当前生物识别信息与发送方终端的合法用户的鉴权生物识别信息进行匹配来判断发送支付信息的用户是否为合法用户，当判定当前生物识别信息与鉴权生物识别信息匹配时，确定该支付信息是合法用户发送的，即发送方终端发送的支付信息是安全可靠的，则接收方终端可以代发送方终端进行支付，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，所述支付信息包括所述发送方终端的用户的个人信息；以及在所述将所述生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配的步骤之前，包括：在预存储的至少一个生物识别信息中获取与所述个人信息对应的生物识别信息并作为所述鉴权生物识别信息。
在该技术方案中，通过在预存储的至少一个生物识别信息中获取与支付信息中的个人信息对应的生物识别信息并作为鉴权生物识别信息，由于个人信息为发送方终端的合法用户的信息，从而可以根据鉴权生物识别信息快速、准确地确定发送支付信息的用户是否为合法用户。
在上述技术方案中，优选地，还包括：当所述当前生物识别信息与所述鉴权生物识别信息不匹配时，禁止根据所述支付信息进行支付，并提示所述接收方终端的用户。
在该技术方案中，若当前生物识别信息与鉴权生物识别信息不匹配，说明通过发送方终端发送支付信息的用户为非法用户，即该支付信息是不安全、不可信任的，则禁止接收方终端代发送方终端进行支付，并提示接收方终端的用户，例如提示接收方终端的用户该支付信息是不安全的，从 而避免给接收方终端的用户带来经济损失。
在上述技术方案中，优选地，所述当前生物识别信息和所述鉴权生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息和鉴权生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息和鉴权生物识别信息非常方便和快捷，从而可以快速、便捷地判断发送方终端的用户是否为合法用户。
本发明的第二方面提出了一种支付装置，用于接收方终端，包括：接收单元，用于接收来自发送方终端的采集的当前生物识别信息和支付信息；匹配单元，用于将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配；支付单元，用于当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付。
在该技术方案中，当接收到来自发送方终端的当前生物识别信息和支付信息时，即在接收到来自发送方终端的代发送方终端进行支付的请求时，通过对发送方终端的用户的当前生物识别信息与发送方终端的合法用户的鉴权生物识别信息进行匹配来判断发送支付信息的用户是否为合法用户，当判定当前生物识别信息与鉴权生物识别信息匹配时，确定该支付信息是合法用户发送的，即发送方终端发送的支付信息是安全可靠的，则接收方终端可以代发送方终端进行支付，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，所述支付信息包括所述发送方终端的用户的个人信息；以及还包括：获取单元，用于在预存储的至少一个生物识别信息中获取与所述个人信息对应的生物识别信息并作为所述鉴权生物识别信息。
在该技术方案中，通过在预存储的至少一个生物识别信息中获取与支付信息中的个人信息对应的生物识别信息并作为鉴权生物识别信息，由于个人信息为发送方终端的合法用户的信息，从而可以根据鉴权生物识别信 息快速、准确地确定发送支付信息的用户是否为合法用户。
在上述技术方案中，优选地，还包括：执行单元，用于当所述当前生物识别信息与所述鉴权生物识别信息不匹配时，禁止根据所述支付信息进行支付，并提示所述接收方终端的用户。
在该技术方案中，若当前生物识别信息与鉴权生物识别信息不匹配，说明通过发送方终端发送支付信息的用户为非法用户，即该支付信息是不安全、不可信任的，则禁止接收方终端代发送方终端进行支付，并提示接收方终端的用户，例如提示接收方终端的用户该支付信息是不安全的，从而避免给接收方终端的用户带来经济损失。
在上述技术方案中，优选地，所述当前生物识别信息和所述鉴权生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息和鉴权生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息和鉴权生物识别信息非常方便和快捷，从而可以快速、便捷地判断发送方终端的用户是否为合法用户。
本发明的第三方面提出了一种终端，包括上述技术方案中任一项所述的支付装置，因此，该终端具有和上述技术方案中任一项所述的支付装置相同的技术效果，在此不再赘述。
本发明的第四方面提出了一种支付方法，用于发送方终端，包括：采集所述发送方终端的用户的当前生物识别信息；将所述当前生物识别信息和支付信息发送至接收方终端，以供所述接收方终端根据所述当前生物识别信息确定是否进行支付。
在该技术方案中，当发送方终端请求接收方终端代发送方终端进行支付时，可以采集发送方终端的用户的当前生物识别信息并与支付信息共同发送至接收方终端，以供接收方终端对当前生物识别信息进行识别以确定发送方终端的用户是否为合法用户，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，在所述采集所述发送方终端的用户的当前生物识别信息的步骤之前，包括：开启所述发送方终端的代支付模式。
在该技术方案中，通过开启发送方终端的代支付模式，在代支付模式下将采集的当前生物识别信息和支付信息发送至接收方终端，从而提高支付的可靠性。
在上述技术方案中，优选地，所述当前生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息非常方便和快捷，从而在发送方终端请求接收方终端为其进行支付时保证了支付的便捷性。
本发明的第五方面提出了一种支付装置，用于发送方终端，包括：采集单元，用于采集所述发送方终端的用户的当前生物识别信息；发送单元，用于将所述当前生物识别信息和支付信息发送至接收方终端，以供所述接收方终端根据所述生物识别信息确定是否进行支付。
在该技术方案中，当发送方终端请求接收方终端代发送方终端支付时，可以采集发送方终端的用户的当前生物识别信息并与支付信息共同发送至接收方终端，以供接收方终端对当前生物识别信息进行识别以确定发送方终端的用户是否为合法用户，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，还包括：开启单元，用于开启所述发送方终端的代支付模式。
在该技术方案中，通过开启发送方终端的代支付模式，在代支付模式下将采集的当前生物识别信息和支付信息发送至接收方终端，从而提高支付的可靠性。
在上述技术方案中，优选地，所述当前生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息包括但不限于以下之一或其组 合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息非常方便和快捷，从而在发送方终端请求接收方终端为其进行支付时保证了支付的便捷性。
本发明的第六方面提出了一种终端，包括上述技术方案中任一项所述的用于发送方终端的支付装置，因此，该终端具有和上述技术方案中任一项所述的用于发送方终端的支付装置相同的技术效果，在此不再赘述。
本发明的第七方面提出了一种支付系统，包括：上述技术方案中的终端，该终端包括用于接收方终端的支付装置；以及上述技术方案中的终端，该终端包括用于发送方终端的支付装置，因此，该支付系统具有和上述技术方案中的任一项终端相同的技术效果，在此不再赘述。
通过本发明的技术方案，通过接收方终端识别发送方终端的用户的当前生物识别信息可以准确地确定发送支付信息的用户是否为合法用户，从而有效地避免了接收方终端为非法用户进行支付，进而避免了给接收方终端的用户带来经济损失。
附图说明
图1示出了相关技术中的发送方终端的支付界面的示意图；
图2示出了相关技术中的接收方终端的支付界面的示意图；
图3示出了根据本发明的一个实施例的用于接收方终端的支付方法的流程示意图；
图4示出了根据本发明的一个实施例的用于接收方终端的支付装置的结构示意图；
图5示出了根据本发明的一个实施例的终端的结构示意图；
图6示出了根据本发明的一个实施例的用于发送方终端的支付方法的流程示意图；
图7示出了根据本发明的一个实施例的用于发送方终端的支付装置的结构示意图；
图8示出了根据本发明的另一个实施例的终端的结构示意图；
图9示出了根据本发明的一个实施例的支付系统的结构示意图；
图10示出了根据本发明的另一个实施例的支付系统的结构示意图；
图11示出了根据本发明的一个实施例的的发送方终端的支付界面的示意图；
图12示出了根据本发明的一个实施例的接收方终端的指纹匹配的示意图；
图13示出了根据本发明的一个实施例的接收方终端的支付界面的示意图。
具体实施方式
为了可以更清楚地理解本发明的上述目的、特征和优点，下面结合附图和具体实施方式对本发明进行进一步的详细描述。需要说明的是，在不冲突的情况下，本申请的实施例及实施例中的特征可以相互组合。
在下面的描述中阐述了很多具体细节以便于充分理解本发明，但是，本发明还可以采用其他不同于在此描述的其他方式来实施，因此，本发明的保护范围并不受下面公开的具体实施例的限制。
图3示出了根据本发明的一个实施例的用于接收方终端的支付方法的流程示意图。
如图3所示，根据本发明的一个实施例的用于接收方终端的支付方法，用于接收方终端，包括：
步骤302，接收来自发送方终端的采集的当前生物识别信息和支付信息；
步骤304，将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配；
步骤306，当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付。
在该技术方案中，当接收到来自发送方终端的当前生物识别信息和支付信息时，即在接收到来自发送方终端的代发送方终端进行支付的请求时，通过对发送方终端的用户的当前生物识别信息与发送方终端的合法用户的鉴权生物识别信息进行匹配来判断发送支付信息的用户是否为合法用 户，当判定当前生物识别信息与鉴权生物识别信息匹配时，确定该支付信息是合法用户发送的，即发送方终端发送的支付信息是安全可靠的，则接收方终端可以代发送方终端进行支付，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，所述支付信息包括所述发送方终端的用户的个人信息；以及在步骤304之前，包括：在预存储的至少一个生物识别信息中获取与所述个人信息对应的生物识别信息并作为所述鉴权生物识别信息。
在该技术方案中，通过在预存储的至少一个生物识别信息中获取与支付信息中的个人信息对应的生物识别信息并作为鉴权生物识别信息，由于个人信息为发送方终端的合法用户的信息，从而可以根据鉴权生物识别信息快速、准确地确定发送支付信息的用户是否为合法用户。
在上述技术方案中，优选地，还包括：当所述当前生物识别信息与所述鉴权生物识别信息不匹配时，禁止根据所述支付信息进行支付，并提示所述接收方终端的用户。
在该技术方案中，若当前生物识别信息与鉴权生物识别信息不匹配，说明通过发送方终端发送支付信息的用户为非法用户，即该支付信息是不安全、不可信任的，则禁止接收方终端代发送方终端进行支付，并提示接收方终端的用户，例如提示接收方终端的用户该支付信息是不安全的，从而避免给接收方终端的用户带来经济损失。
在上述技术方案中，优选地，所述当前生物识别信息和所述鉴权生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息和鉴权生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息和鉴权生物识别信息非常方便和快捷，从而可以快速、便捷地判断发送方终端的用户是否为合法用户。
图4示出了根据本发明的一个实施例的用于接收方终端的支付装置的 结构示意图。
如图4所示，根据本发明的一个实施例的用于接收方终端的支付装置400，用于接收方终端，包括：接收单元402，用于接收来自发送方终端的采集的当前生物识别信息和支付信息；匹配单元404，用于将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配；支付单元406，用于当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付。
在该技术方案中，当接收到来自发送方终端的当前生物识别信息和支付信息时，即在接收到来自发送方终端的代发送方终端进行支付的请求时，通过对发送方终端的用户的当前生物识别信息与发送方终端的合法用户的鉴权生物识别信息进行匹配来判断发送支付信息的用户是否为合法用户，当判定当前生物识别信息与鉴权生物识别信息匹配时，确定该支付信息是合法用户发送的，即发送方终端发送的支付信息是安全可靠的，则接收方终端可以代发送方终端进行支付，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，所述支付信息包括所述发送方终端的用户的个人信息；以及还包括：获取单元408，用于在预存储的至少一个生物识别信息中获取与所述个人信息对应的生物识别信息并作为所述鉴权生物识别信息。
在该技术方案中，通过在预存储的至少一个生物识别信息中获取与支付信息中的个人信息对应的生物识别信息并作为鉴权生物识别信息，由于个人信息为发送方终端的合法用户的信息，从而可以根据鉴权生物识别信息快速、准确地确定发送支付信息的用户是否为合法用户。
在上述技术方案中，优选地，还包括：执行单元410，用于当所述当前生物识别信息与所述鉴权生物识别信息不匹配时，禁止根据所述支付信息进行支付，并提示所述接收方终端的用户。
在该技术方案中，若当前生物识别信息与鉴权生物识别信息不匹配，说明通过发送方终端发送支付信息的用户为非法用户，即该支付信息是不 安全、不可信任的，则禁止接收方终端代发送方终端进行支付，并提示接收方终端的用户，例如提示接收方终端的用户该支付信息是不安全的，从而避免给接收方终端的用户带来经济损失。
在上述技术方案中，优选地，所述当前生物识别信息和所述鉴权生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息和鉴权生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息和鉴权生物识别信息非常方便和快捷，从而可以快速、便捷地判断发送方终端的用户是否为合法用户。
图5示出了根据本发明的一个实施例的终端的结构示意图。
如图5所示，根据本发明的一个实施例的终端500，包括上述技术方案中任一项所述的支付装置400，因此，该终端500具有和上述技术方案中任一项所述的支付装置400相同的技术效果，在此不再赘述。
图6示出了根据本发明的一个实施例的用于发送方终端的支付方法的流程示意图。
如图6所示，根据本发明的一个实施例的用于发送方终端的支付方法，用于发送方终端，包括：
步骤602，采集所述发送方终端的用户的当前生物识别信息；
步骤604，将所述当前生物识别信息和支付信息发送至接收方终端，以供所述接收方终端根据所述当前生物识别信息确定是否进行支付。
在该技术方案中，当发送方终端请求接收方终端代发送方终端支付时，可以采集发送方终端的用户的当前生物识别信息并与支付信息共同发送至接收方终端，以供接收方终端对当前生物识别信息进行识别以确定发送方终端的用户是否为合法用户，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，在步骤602之前，包括：开启所述发送方终端的代支付模式。
在该技术方案中，通过开启发送方终端的代支付模式，在代支付模式下将采集的当前生物识别信息和支付信息发送至接收方终端，从而提高支付的可靠性。
在上述技术方案中，优选地，所述当前生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息非常方便和快捷，从而在发送方终端请求接收方终端为其进行支付时保证了支付的便捷性。
图7示出了根据本发明的一个实施例的用于发送方终端的支付装置的结构示意图。
如图7所示，根据本发明的一个实施例的用于发送方终端的支付装置700，用于发送方终端，包括：采集单元702，用于采集所述发送方终端的用户的当前生物识别信息；发送单元704，用于将所述当前生物识别信息和支付信息发送至接收方终端，以供所述接收方终端根据所述生物识别信息确定是否进行支付。
在该技术方案中，当发送方终端请求接收方终端代发送方终端支付时，可以采集发送方终端的用户的当前生物识别信息并与支付信息共同发送至接收方终端，以供接收方终端对当前生物识别信息进行识别以确定发送方终端的用户是否为合法用户，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失，提升了用户体验。
在上述技术方案中，优选地，还包括：开启单元706，用于开启所述发送方终端的代支付模式。
在该技术方案中，通过开启发送方终端的代支付模式，在代支付模式下将采集的当前生物识别信息和支付信息发送至接收方终端，从而提高支付的可靠性。
在上述技术方案中，优选地，所述当前生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
在该技术方案中，当前生物识别信息包括但不限于以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息，由于采集当前生物识别信息非常方便和快捷，从而在发送方终端请求接收方终端为其进行支付时保证了支付的便捷性。
图8示出了根据本发明的另一个实施例的终端的结构示意图。
如图8所示，根据本发明的另一个实施例的终端800，包括上述技术方案中任一项所述的用于发送方终端的支付装置700，因此，该终端800具有和上述技术方案中任一项所述的用于发送方终端的支付装置700相同的技术效果，在此不再赘述。
图9示出了根据本发明的一个实施例的支付系统的结构示意图。
如图9所示，根据本发明的一个实施例的支付系统900，包括：上述技术方案中的终端500，该终端500包括用于接收方终端的支付装置；以及上述技术方案中的终端800，该终端800包括用于发送方终端的支付装置，因此，该支付系统900具有和上述技术方案中的终端500和终端800相同的技术效果，在此不再赘述。
图10示出了根据本发明的另一个实施例的支付系统的结构示意图。
如图10所示，根据本发明的另一个实施例的支付系统1000，包括发送方终端1002和接收方终端1004，发送方终端1002包括第一数据模块10022，用于启动发送方终端1002的代支付模式，采集发送方终端1002的用户的当前指纹信息(当前生物识别信息)，将当前指纹信息和支付信息写入到交易列表中，其中，支付信息包括发送方终端1002的合法用户的个人信息，将该交易列表发送至接收方终端1004。另外，接收方终端1004包括第二数据模块10042、鉴权模块10044和处理模块10046，第二数据模块10042用于打开发送方终端1002发来的交易列表，并获取该交易列表中的当前指纹信息；鉴权模块10044，用于在预存储的至少一个指纹信息(至少一个生物识别信息)中获取与发送方终端1002的个人信息对应的鉴权指纹信息(鉴权生物识别信息)，并对当前指纹信息和鉴权指纹信息进行匹配，若两者匹配则说明发送方终端1002的用户为合法用户，否则说明发送方终端1002的用户为非法用户；处理模块10046，用 于在识别发送方终端1002的用户为合法用户时，若接收到用户输入的正确的支付密码时，根据支付信息进行支付，另外，处理模块10046还用于获取发送方终端1002的合法用户的鉴权指纹信息，并将该鉴权指纹信息和发送方终端1002的合法用户进行对应存储。
图11示出了根据本发明的一个实施例的的发送方终端的支付界面的示意图；图12示出了根据本发明的一个实施例的接收方终端的指纹匹配的示意图；图13示出了根据本发明的一个实施例的接收方终端的支付界面的示意图。
下面结合图11至图13详细说明本发明的技术方案：
如图11所示，在发送方终端请求接收方终端代发送方终端支付时，在发送方终端的支付界面上除输入接收方终端的用户账号、验证码或者给接收方终端的用户留言之外，还采集发送方终端的用户的当前指纹信息(当前生物识别信息)，以将当前指纹信息和支付信息共同发送至接收方终端，其中，支付信息中包括有发送方终端的用户的个人信息，以供接收方终端识别发送方终端的用户是否为合法用户。
如图12所示，在接收方终端接收到来自发送方终端的当前指纹信息和支付信息时，在预存储的至少一个指纹信息中获取与个人信息对应的鉴权指纹信息，并对当前指纹信息与鉴权指纹信息进行匹配，以确定接收方终端的用户是否为合法用户。
如图13所示，在确定接收方终端的用户为合法用户时，在接收方终端的支付界面中进行显示，以提示用户该支付信息为安全、可信任的支付信息。例如，在接收方终端的显示界面上提示“经过指纹对比，确认张三为其本人”，从而使接收方终端的用户可以进行安全支付。
以上结合附图详细说明了本发明的技术方案，通过接收方终端识别发送方终端的用户的当前生物识别信息可以准确地确定发送支付信息的用户是否为合法用户，从而有效地避免了接收方终端为非法用户支付，进而避免了给接收方终端的用户带来经济损失。
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明可以有各种更改和变化。凡在本发明的精 神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (17)

  1. 一种支付方法，用于接收方终端，其特征在于，包括：
    接收来自发送方终端的采集的当前生物识别信息和支付信息；
    将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配；
    当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付。
  2. 根据权利要求1所述的支付方法，其特征在于，所述支付信息包括所述发送方终端的用户的个人信息；以及在所述将所述生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配的步骤之前，包括：
    在预存储的至少一个生物识别信息中获取与所述个人信息对应的生物识别信息并作为所述鉴权生物识别信息。
  3. 根据权利要求1所述的支付方法，其特征在于，还包括：
    当所述当前生物识别信息与所述鉴权生物识别信息不匹配时，禁止根据所述支付信息进行支付，并提示所述接收方终端的用户。
  4. 根据权利要求1至3中任一项所述的支付方法，其特征在于，所述当前生物识别信息和所述鉴权生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
  5. 一种支付装置，用于接收方终端，其特征在于，包括：
    接收单元，用于接收来自发送方终端的采集的当前生物识别信息和支付信息；
    匹配单元，用于将所述当前生物识别信息与所述发送方终端的鉴权生物识别信息进行匹配；
    支付单元，用于当所述当前生物识别信息与所述鉴权生物识别信息匹配时，根据接收到的支付指令进行支付。
  6. 根据权利要求5所述的支付装置，其特征在于，所述支付信息包括所述发送方终端的用户的个人信息；以及还包括：
    获取单元，用于在预存储的至少一个生物识别信息中获取与所述个人 信息对应的生物识别信息并作为所述鉴权生物识别信息。
  7. 根据权利要求5所述的支付装置，其特征在于，还包括：
    执行单元，用于当所述当前生物识别信息与所述鉴权生物识别信息不匹配时，禁止根据所述支付信息进行支付，并提示所述接收方终端的用户。
  8. 根据权利要求5至7中任一项所述的支付装置，其特征在于，所述当前生物识别信息和所述鉴权生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
  9. 一种终端，其特征在于，包括：如权利要求5至8中任一项所述的支付装置。
  10. 一种支付方法，用于发送方终端，其特征在于，包括：
    采集所述发送方终端的用户的当前生物识别信息；
    将所述当前生物识别信息和支付信息发送至接收方终端，以供所述接收方终端根据所述当前生物识别信息确定是否进行支付。
  11. 根据权利要求10所述的支付方法，其特征在于，在所述采集所述发送方终端的用户的当前生物识别信息的步骤之前，包括：
    开启所述发送方终端的代支付模式。
  12. 根据权利要求10或11所述的支付方法，其特征在于，所述当前生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
  13. 一种支付装置，用于发送方终端，其特征在于，包括：
    采集单元，用于采集所述发送方终端的用户的当前生物识别信息；
    发送单元，用于将所述当前生物识别信息和支付信息发送至接收方终端，以供所述接收方终端根据所述生物识别信息确定是否进行支付。
  14. 根据权利要求13所述的支付装置，其特征在于，还包括：
    开启单元，用于开启所述发送方终端的代支付模式。
  15. 根据权利要求13或14所述的支付装置，其特征在于，所述当前生物识别信息包括以下之一或其组合：指纹识别信息、声音识别信息、虹膜识别信息和面部识别信息。
  16. 一种终端，其特征在于，包括：如权利要求13至15中任一项所述的支付装置。
  17. 一种支付系统，其特征在于，包括：
    如权利要求9所述的终端；
    如权利要求16所述的终端，连接至如权利要求9所述的终端。
PCT/CN2015/088497 2015-07-28 2015-08-30 支付方法、支付装置、终端和支付系统 Ceased WO2017016038A1 (zh)

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