WO2017028595A1 - 支付验证方法、终端和服务器 - Google Patents

支付验证方法、终端和服务器 Download PDF

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Publication number
WO2017028595A1
WO2017028595A1 PCT/CN2016/084107 CN2016084107W WO2017028595A1 WO 2017028595 A1 WO2017028595 A1 WO 2017028595A1 CN 2016084107 W CN2016084107 W CN 2016084107W WO 2017028595 A1 WO2017028595 A1 WO 2017028595A1
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WIPO (PCT)
Prior art keywords
fingerprint information
information
user
payment
predetermined
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Ceased
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PCT/CN2016/084107
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English (en)
French (fr)
Inventor
赵瑾
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Publication of WO2017028595A1 publication Critical patent/WO2017028595A1/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
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

Definitions

  • the present invention relates to the field of terminal technologies, and in particular, to a payment verification method, a terminal, and a server.
  • the terminal uses the scanner to scan the corresponding payment QR code to obtain the user's information and the price of the product, and then the user can input the corresponding account and password and other user payment information. Perform payment verification.
  • this payment verification method does not guarantee the security of the user's account and information.
  • the user's mobile phone's dynamic password is used for payment verification, the user's account and information may be stolen, and the user's account cannot be guaranteed. And the security of the information.
  • the present invention is based on the above problems, and proposes a new technical solution, which can improve the security of user payment information and ensure the security of user payment verification.
  • the first aspect of the present invention provides a payment verification method for a terminal, including: receiving user fingerprint information and user payment information; encrypting the user payment information by using the user fingerprint information; and encrypting The subsequent user payment information is sent to the server for the server to determine whether the encrypted user payment information can be decrypted according to the predetermined fingerprint information; and receiving the processing result from the server; determining according to the processing result Whether to pass the payment verification.
  • the user fingerprint information can be used to encrypt the user payment information, wherein the user fingerprint information can be a multi-fingerprint sequence, so that the server can receive the encrypted user payment information, and then according to the preset
  • the predetermined predetermined fingerprint information decrypts the encrypted user payment information, and if the decryption is successful, the payment is verified, otherwise the payment verification cannot be performed.
  • the user payment information includes: a user's account number, a payment password, an item price, and a payment fee.
  • the user payment information can be encrypted by using the user fingerprint information, and the encrypted user payment information can be decrypted by the predetermined fingerprint information, thereby being able to accurately determine whether the user himself is operating, and improving the security of the user payment information. Sexuality ensures the security of the user's payment verification.
  • the user fingerprint information includes one fingerprint information or a plurality of fingerprint information
  • the payment verification method further includes: Receiving the sequence of the plurality of fingerprint information, setting a sequence identifier for each of the plurality of fingerprint information; and encrypting, by the user fingerprint information, the user payment information, specifically: using The plurality of fingerprint information sequentially identified by the user is encrypted for the user payment information, so that the server determines whether the encrypted user payment information can be obtained according to the plurality of the predetermined fingerprint information identified by a predetermined order. Decrypt.
  • the obtained user fingerprint information may be one fingerprint information or multiple fingerprint information.
  • a corresponding sequence identifier may be set for each obtained fingerprint information of the user, so that multiple The user fingerprint information is encrypted for the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information that is preset by the user and has a predetermined order identifier, if multiple user fingerprint information and multiple The predetermined fingerprint information is consistent, and the sequence identifier is also consistent with the predetermined sequence identifier, and then the payment is verified, otherwise the payment verification cannot be performed.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • a second aspect of the present invention provides a terminal for payment verification, comprising: an information receiving unit that receives user fingerprint information and user payment information; and an encryption unit that encrypts the user payment information by using the user fingerprint information; And sending, by the sending unit, the encrypted user payment information to the server, for the server to determine whether the encrypted user payment information can be decrypted according to the predetermined fingerprint information; and the processing result receiving unit receiving the from the server Processing result; determining unit, according to the processing result, determining whether to pass the payment verification.
  • the user fingerprint information can be used to encrypt the user payment information, wherein the user fingerprint information can be a multi-fingerprint sequence, so that the server can receive the encrypted user payment information, and then according to the preset
  • the predetermined predetermined fingerprint information decrypts the encrypted user payment information, and if the decryption is successful, the payment is verified, otherwise the payment verification cannot be performed.
  • the user payment information includes: a user's account number, a payment password, an item price, and a payment fee.
  • the user payment information can be encrypted by using the user fingerprint information, and the encrypted user payment information is decrypted by the predetermined fingerprint information, thereby being able to accurately determine whether the user himself is operating, and the user payment information is improved. Security ensures the security of the user's payment verification.
  • the user fingerprint information includes one fingerprint information or a plurality of fingerprint information
  • the terminal further includes: a sequence identifier setting unit, when the user fingerprint information includes the plurality of fingerprint information And setting a sequence identifier for each of the plurality of fingerprint information in an order of receiving the plurality of fingerprint information; and the encrypting unit is specifically configured to: use the multiple fingerprints having the sequence identifier
  • the information is encrypted for the user payment information for the server to determine whether the encrypted user payment information can be decrypted according to a plurality of the predetermined fingerprint information having a predetermined order identification.
  • the obtained user fingerprint information may be one fingerprint information or multiple fingerprint information.
  • a corresponding sequence identifier may be set for each obtained fingerprint information of the user, so that multiple The user fingerprint information is encrypted for the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information that is preset by the user and has a predetermined order identifier, if multiple user fingerprint information and multiple The predetermined fingerprint information is consistent, and the sequence identifier is also consistent with the predetermined sequence identifier, and then the payment is verified, otherwise the payment verification cannot be performed.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • a third aspect of the present invention provides a payment verification method for a server, the server being connected to the terminal described in the second aspect, comprising: receiving encrypted user payment information from the terminal; The fingerprint information decrypts the encrypted user payment information; and the decrypted processing result is sent to the terminal, so that the terminal determines whether to pass the payment verification according to the processing result.
  • the encrypted user payment information can be decrypted according to predetermined fingerprint information preset by the user, and if the decryption is successful, the payment is verified, and if the decryption fails, the payment verification cannot be performed.
  • the predetermined fingerprint information may be a multi-fingerprint sequence.
  • the encrypted user payment information can be decrypted by using predetermined fingerprint information, thereby accurately determining whether the user is operating, and ensuring that the user performs payment. Verification of security.
  • the method before the receiving the encrypted user payment information from the terminal, the method further includes: setting one of the predetermined fingerprint information or the plurality of the according to the received first setting command. Predetermine fingerprint information.
  • the user can set a predetermined fingerprint information according to his actual needs or set a plurality of predetermined fingerprint information. If a predetermined fingerprint information is set, the operation is simple when the payment verification is performed, and the time for payment verification can be saved. If multiple predetermined fingerprint information is set, the safety factor is higher, and the security in the payment verification process is more guaranteed.
  • the method before the receiving the encrypted user payment information from the terminal, when a plurality of the predetermined fingerprint information are set, the method further includes: a plurality of the predetermined fingerprint information Each of the predetermined fingerprint information sets a predetermined sequence identifier; and the decrypting the encrypted user payment information by using the predetermined fingerprint information, specifically comprising: using the plurality of the predetermined fingerprint information pairs having the predetermined sequence identifier The encrypted user payment information is decrypted.
  • a corresponding sequence identifier can be set for each obtained user fingerprint information, so that multiple user fingerprint information with sequential identification can be used to encrypt the user payment information, and then the server can utilize the user in advance. And setting a plurality of predetermined fingerprint information having a predetermined order identifier to decrypt the encrypted user payment information. If the plurality of user fingerprint information is consistent with the plurality of predetermined fingerprint information, and the sequence identifier is consistent with the predetermined sequence identifier, then the payment is made. Verification, otherwise it cannot be verified by payment.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • a fourth aspect of the present invention provides a server for payment verification, the server being connected to the terminal described in the above second aspect, comprising: an encrypted information receiving unit that receives an encrypted user payment from the terminal a decryption unit that decrypts the encrypted user payment information by using predetermined fingerprint information; the processing result sending unit sends the decrypted processing result to the terminal, so that the terminal determines whether the method is based on the processing result Verified by payment.
  • the encrypted user payment information can be decrypted according to predetermined fingerprint information preset by the user, and if the decryption is successful, the payment is verified, and if the decryption fails, the payment verification cannot be performed.
  • the predetermined fingerprint information may be a multi-fingerprint sequence.
  • the encrypted user payment information can be decrypted by using predetermined fingerprint information, thereby accurately determining whether the user is operating, and ensuring that the user performs payment. Verification of security.
  • the method further includes: a first setting unit, before the receiving the encrypted user payment information from the terminal, setting one of the predetermined fingerprint information according to the received first setting command Or a plurality of said predetermined fingerprint information.
  • the user can set a predetermined fingerprint information according to his actual needs or set a plurality of predetermined fingerprint information. If a predetermined fingerprint information is set, the operation is simple when the payment verification is performed, and the time for payment verification can be saved. If multiple predetermined fingerprint information is set, the safety factor is higher, and the security in the payment verification process is more guaranteed.
  • the method further includes: a second setting unit, configured to set a predetermined order identifier for each of the plurality of predetermined fingerprint information; and the decrypting unit is specifically configured to: have a plurality of the predetermined fingerprint information pairs identified by the predetermined order The encrypted user payment information is decrypted.
  • a corresponding sequence identifier may be set for each obtained fingerprint information of the user, so that the sequential identifier can be utilized.
  • the plurality of user fingerprint information is encrypted for the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information preset by the user with a predetermined order, if the plurality of user fingerprint information Consistent with the plurality of predetermined fingerprint information, and the sequence identifier is also consistent with the predetermined sequence identifier, then the payment is verified, otherwise the payment verification cannot be performed.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • the user payment information can be encrypted by using the user fingerprint information, and the encrypted user payment information can be decrypted by the predetermined fingerprint information, thereby being able to accurately determine whether the user himself/herself operates, and the user payment information is improved.
  • the security ensures the security of the user's payment verification.
  • FIG. 1 shows a flow chart of a payment verification method in accordance with one embodiment of the present invention
  • Figure 2 shows a block diagram of a terminal in accordance with one embodiment of the present invention
  • FIG. 3 is a flow chart showing a payment verification method according to another embodiment of the present invention.
  • Figure 4 shows a block diagram of a server in accordance with one embodiment of the present invention
  • Figure 5 illustrates a flow diagram of terminal payment verification in accordance with one embodiment of the present invention.
  • FIG. 1 shows a flow chart of a payment verification method in accordance with one embodiment of the present invention.
  • a payment verification method is used for a terminal, including:
  • Step 102 Receive user fingerprint information and user payment information.
  • Step 104 Encrypt the user payment information by using the user fingerprint information.
  • Step 106 Send the encrypted user payment information to the server, so that the server determines whether the encrypted user payment information can be decrypted according to the predetermined fingerprint information.
  • Step 108 receiving a processing result from a server.
  • Step 110 Determine, according to the processing result, whether to pass the payment verification.
  • the user fingerprint information can be used to encrypt the user payment information, wherein the fingerprint information can be a multi-fingerprint sequence, so that the server can receive the encrypted user payment information, and then according to the preset
  • the predetermined fingerprint information decrypts the encrypted user payment information, and if the decryption is successful, the payment is verified, otherwise the payment verification cannot be performed.
  • the user payment information includes: a user's account number, a payment password, an item price, and a payment fee.
  • the user payment information can be encrypted by using the user fingerprint information, and the encrypted user payment information can be decrypted by the predetermined fingerprint information, thereby being able to accurately determine whether the user himself is operating, and improving the security of the user payment information. Sexuality ensures the security of the user's payment verification.
  • the user fingerprint information includes one fingerprint information or a plurality of fingerprint information
  • the payment verification method further includes: according to the order of receiving the plurality of fingerprint information, And setting a sequence identifier for each of the plurality of fingerprint information; and encrypting the user payment information by using the user fingerprint information, specifically: encrypting the user payment information by using multiple fingerprint information having the sequential identifier, for the server to determine Whether the encrypted user payment information can be decrypted based on a plurality of predetermined fingerprint information having a predetermined order identification.
  • the obtained user fingerprint information may be one fingerprint information or multiple fingerprint information.
  • the process of acquiring the fingerprint information of the plurality of users there may be a corresponding sequence, and the corresponding sequence identifier may be set for each user fingerprint information obtained according to the sequence.
  • the user can use the plurality of user fingerprint information with the sequential identification to encrypt the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information preset by the user with a predetermined order identifier.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • Figure 2 shows a block diagram of a terminal in accordance with one embodiment of the present invention.
  • the terminal 200 includes: an information receiving unit 202, which receives user fingerprint information and user payment information; and an encryption unit 204 that encrypts user payment information by using user fingerprint information; 206. Send the encrypted user payment information to the server, so that the server determines whether the encrypted user payment information can be decrypted according to the predetermined fingerprint information; and the processing result receiving unit 208 receives the processing result from the server; the determining unit 210 According to the processing result, it is determined whether or not the payment is verified.
  • an information receiving unit 202 which receives user fingerprint information and user payment information
  • an encryption unit 204 that encrypts user payment information by using user fingerprint information
  • 206 Send the encrypted user payment information to the server, so that the server determines whether the encrypted user payment information can be decrypted according to the predetermined fingerprint information
  • the processing result receiving unit 208 receives the processing result from the server; the determining unit 210 According to the processing result, it is determined whether or not the payment is verified.
  • the user fingerprint information can be used to encrypt the user payment information, wherein the fingerprint information can be a multi-fingerprint sequence, so that the server can receive the encrypted user payment information, and then according to the preset
  • the predetermined fingerprint information decrypts the encrypted user payment information, and if the decryption is successful, the payment is verified, otherwise the payment verification cannot be performed.
  • the user payment information includes: a user's account number, a payment password, an item price, and a payment fee.
  • the user payment information can be encrypted by using the user fingerprint information, and the encrypted user payment information is decrypted by the predetermined fingerprint information, thereby being able to accurately determine whether the user himself is operating, and the user payment information is improved. Security ensures the security of the user's payment verification.
  • the user fingerprint information includes one fingerprint information or a plurality of fingerprint information
  • the terminal 200 further includes: a sequence identifier setting unit 212, when the user fingerprint information includes multiple fingerprint information, according to receiving multiple fingerprints
  • the order of the information is to set a sequence identifier for each of the plurality of fingerprint information
  • the encryption unit 204 is specifically configured to: use the plurality of fingerprint information having the sequential identifiers to encrypt the user payment information, so that the server determines whether the A plurality of predetermined fingerprint information having a predetermined order identifier for the encrypted user payment information Decrypt.
  • the obtained user fingerprint information may be one fingerprint information or multiple fingerprint information.
  • a corresponding sequence identifier may be set for each obtained fingerprint information of the user, so that multiple The user fingerprint information is encrypted for the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information that is preset by the user and has a predetermined order identifier, if multiple user fingerprint information and multiple The predetermined fingerprint information is consistent, and the sequence identifier is also consistent with the predetermined sequence identifier, and then the payment is verified, otherwise the payment verification cannot be performed.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • FIG. 3 shows a flow chart of a payment verification method in accordance with another embodiment of the present invention.
  • a payment verification method is used for a server, and the server is connected to the terminal 200 shown in FIG. 2, and includes:
  • Step 302 Receive encrypted user payment information from the terminal.
  • Step 304 Decrypt the encrypted user payment information by using predetermined fingerprint information.
  • Step 306 Send the decrypted processing result to the terminal, so that the terminal determines whether to pass the payment verification according to the processing result.
  • the encrypted user payment information can be decrypted according to predetermined fingerprint information preset by the user, and if the decryption is successful, the payment is verified, and if the decryption fails, the payment verification cannot be performed.
  • the predetermined fingerprint information may be a multi-fingerprint sequence.
  • the encrypted user payment information can be decrypted by using predetermined fingerprint information, thereby accurately determining whether the user is operating, and ensuring that the user performs payment. Verification of security.
  • the method further includes: setting a predetermined fingerprint information or a plurality of predetermined fingerprint information according to the received first setting command.
  • the user can set a predetermined fingerprint information according to his actual needs or set a plurality of predetermined fingerprint information, wherein if a predetermined fingerprint information is set,
  • the simple operation when performing payment verification can save the time of payment verification. If multiple predetermined fingerprint information is set, the safety factor is higher, and the security in the payment verification process can be ensured.
  • the method further includes: setting a predetermined sequence identifier for each of the plurality of predetermined fingerprint information; and step 304 specifically includes The decrypted user payment information is decrypted by a plurality of predetermined fingerprint information having a predetermined order identification.
  • a corresponding sequence identifier may be set for each obtained fingerprint information of the user, so that the sequential identifier can be utilized.
  • the plurality of user fingerprint information is encrypted for the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information preset by the user with a predetermined order, if the plurality of user fingerprint information Consistent with the plurality of predetermined fingerprint information, and the sequence identifier is also consistent with the predetermined sequence identifier, then the payment is verified, otherwise the payment verification cannot be performed.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • Figure 4 shows a block diagram of a server in accordance with one embodiment of the present invention.
  • the server 400 is connected to the terminal 200 shown in FIG. 2, and includes: an encrypted information receiving unit 402, which receives encrypted user payment information from the terminal; and a decryption unit. 404. Decrypt the encrypted user payment information by using predetermined fingerprint information.
  • the processing result sending unit 406 sends the decrypted processing result to the terminal, so that the terminal determines whether to pass the payment verification according to the processing result.
  • the encrypted user payment information can be decrypted according to predetermined fingerprint information preset by the user, and if the decryption is successful, the payment is verified, and if the decryption fails, the payment verification cannot be performed.
  • the predetermined fingerprint information may be a multi-fingerprint sequence.
  • the encrypted user payment information can be decrypted by using predetermined fingerprint information, thereby accurately determining whether the user is operating, and ensuring that the user performs payment. Verification of security.
  • the method further includes: a first setting unit 408, configured to set according to the received first setting command before receiving the encrypted user payment information from the terminal A predetermined fingerprint information or a plurality of predetermined fingerprint information.
  • the user can set a predetermined fingerprint information according to his actual needs or set a plurality of predetermined fingerprint information. If a predetermined fingerprint information is set, the operation is simple when the payment verification is performed, and the time for payment verification can be saved. If multiple predetermined fingerprint information is set, the safety factor is higher, and the security in the payment verification process is more guaranteed.
  • the method further includes: a second setting unit 410, configured to set a predetermined order identifier for each of the plurality of predetermined fingerprint information; and the decrypting unit 404 is specifically configured to: The plurality of predetermined fingerprint information decrypts the encrypted user payment information.
  • a corresponding sequence identifier may be set for each obtained fingerprint information of the user, so that the sequential identifier can be utilized.
  • the plurality of user fingerprint information is encrypted for the user payment information, and then the server can decrypt the encrypted user payment information by using a plurality of predetermined fingerprint information preset by the user with a predetermined order, if the plurality of user fingerprint information Consistent with the plurality of predetermined fingerprint information, and the sequence identifier is also consistent with the predetermined sequence identifier, then the payment is verified, otherwise the payment verification cannot be performed.
  • a corresponding sequence identifier can be set for multiple user fingerprint information, which further improves the security of the user payment information, and ensures the security of the user to perform payment verification.
  • Figure 5 illustrates a flow diagram of terminal payment verification in accordance with one embodiment of the present invention.
  • step 502 the scanner scans the two-dimensional code for payment.
  • Step 504 issuing a prompt message prompting the user to input a multi-fingerprint sequence, wherein the multi-fingerprint sequence refers to a plurality of fingerprint information having a predetermined order.
  • Step 506 Acquire payment account and password information input by the user.
  • Step 508 Encrypt the user account and password information through the multi-fingerprint sequence, and send the encrypted user account and password information to the bank (ie, the server).
  • Step 510 The bank side decrypts the encrypted user account and password information by using a predetermined multiple fingerprint sequence preset by the user. Among them, the predetermined multiple fingerprint sequence, the user can freely combine according to their actual needs.
  • Step 512 it is judged whether the decryption is successful. When the judgment result is yes, the process proceeds to step 514. If the result of the determination is no, the process proceeds to step 516.
  • step 516 the payment verification fails.
  • the technical solution of the present invention can encrypt the user payment information by using the user fingerprint information, and decrypt the encrypted user payment information by the predetermined fingerprint information, thereby accurately Determine whether the user is operating, improve the security of the user's payment information, and ensure the security of the user's payment verification.
  • the terms “first”, “second”, “third”, “fourth” are used for the purpose of description only, and are not to be understood as indicating or implying relative importance; the term “plurality” means two Or two or more; the terms “connected”, “connected”, etc. should be understood broadly, for example, they may be fixed connections, detachable connections, or integrally connected; they may be directly connected or intermediate media Indirectly connected. For those skilled in the art, the specific meanings of the above terms in the present invention can be understood on a case-by-case basis.
  • the description of the terms “one embodiment”, “another embodiment” or the like means that a specific feature, structure, material or characteristic described in connection with the embodiment or example is included in at least one implementation of the present invention. In the example or example. In the present specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in a suitable manner in any one or more embodiments or examples.

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Abstract

一种支付验证方法、一种终端和一种服务器，其中，支付验证方法包括：接收用户指纹信息和用户支付信息（102）；通过用户指纹信息为用户支付信息进行加密（104）；将加密后的用户支付信息发送至服务器，以供服务器确定是否能够根据预定指纹信息对加密后的用户支付信息进行解密（106）；以及接收来自服务器的处理结果（108）；根据处理结果，确定是否通过支付验证（110）。利用用户指纹信息对用户支付信息进行加密，通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。

Description

支付验证方法、终端和服务器
本申请要求于2015年08月18日提交中国专利局，申请号为201510508808.5、发明名称为“支付验证方法、终端和服务器”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及终端技术领域，具体而言，涉及一种支付验证方法、一种终端和一种服务器。
背景技术
目前，在用户购买完商品进行付款时，终端都是利用扫描器扫描相应的付款二维码来获取用户的信息和商品的价格，然后，用户就可以输入相应的账号和密码等用户支付信息来进行支付验证。
但是，这种支付验证方式并不能保障用户的账号和信息的安全，另外，即使利用用户手机的动态密码来进行支付验证，也可能会导致用户的账号和信息被盗，同样不能保障用户的账号和信息的安全。
因此，需要一种新的技术方案，能够提高用户支付信息的安全性，以及保障用户进行支付验证的安全。
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，能够提高用户支付信息的安全性，以及保障用户进行支付验证的安全。
有鉴于此，本发明的第一方面提出了一种支付验证方法，用于终端，包括：接收用户指纹信息和用户支付信息；通过所述用户指纹信息为所述用户支付信息进行加密；将加密后的用户支付信息发送至服务器，以供所述服务器确定是否能够根据预定指纹信息对所述加密后的用户支付信息进行解密；以及接收来自所述服务器的处理结果；根据所述处理结果，确定 是否通过支付验证。
在该技术方案中，能够利用用户指纹信息为用户支付信息进行加密，其中，所述用户指纹信息可为多指纹序列，这样，服务器就能够接收到加密后的用户支付信息，然后再根据预先设定的预定指纹信息对该加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，否则不能通过支付验证。其中，用户支付信息包括：用户的账号、支付密码、物品价格以及支付费用等。通过上述技术方案，能够利用用户指纹信息对用户支付信息进行加密，通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，所述用户指纹信息包括一个指纹信息或多个指纹信息，其中，当所述用户指纹信息包括所述多个指纹信息时，所述支付验证方法还包括：按照接收所述多个指纹信息的顺序，为所述多个指纹信息中的每个指纹信息设置顺序标识；以及所述通过所述用户指纹信息为所述用户支付信息进行加密，具体包括：使用具有所述顺序标识的所述多个指纹信息为所述用户支付信息进行加密，以供所述服务器确定是否能够根据具有预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
在该技术方案中，获取到的用户指纹信息可以是一个指纹信息也可以是多个指纹信息，为了进一步提升支付过程的安全性，往往需要获取多个指纹信息。此时，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
本发明的第二方面提出了一种用于支付验证的终端，包括：信息接收单元，接收用户指纹信息和用户支付信息；加密单元，通过所述用户指纹信息为所述用户支付信息进行加密；发送单元，将加密后的用户支付信息发送至服务器，以供所述服务器确定是否能够根据预定指纹信息对所述加密后的用户支付信息进行解密；以及处理结果接收单元，接收来自所述服务器的处理结果；确定单元，根据所述处理结果，确定是否通过支付验证。
在该技术方案中，能够利用用户指纹信息为用户支付信息进行加密，其中，所述用户指纹信息可为多指纹序列，这样，服务器就能够接收到加密后的用户支付信息，然后再根据预先设定的预定指纹信息对该加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，否则不能通过支付验证。其中，用户支付信息包括：用户的账号、支付密码、物品价格以及支付费用等。通过上述技术方案，能够利用用户指纹信息对用户支付信息进行加密，并通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，所述用户指纹信息包括一个指纹信息或多个指纹信息，以及所述终端还包括：顺序标识设置单元，当所述用户指纹信息包括所述多个指纹信息时，按照接收所述多个指纹信息的顺序，为所述多个指纹信息中的每个指纹信息设置顺序标识；以及所述加密单元具体用于：使用具有所述顺序标识的所述多个指纹信息为所述用户支付信息进行加密，以供所述服务器确定是否能够根据具有预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
在该技术方案中，获取到的用户指纹信息可以是一个指纹信息也可以是多个指纹信息，为了进一步提升支付过程的安全性，往往需要获取多个指纹信息。此时，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个 预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
本发明的第三方面提出了一种支付验证方法，用于服务器，所述服务器与上述第二方面中所述的终端相连，包括：接收来自所述终端的加密后的用户支付信息；通过预定指纹信息对所述加密后的用户支付信息进行解密；将解密后的处理结果发送至所述终端，以供所述终端根据所述处理结果确定是否通过支付验证。
在该技术方案中，能够根据用户预先设定的预定指纹信息对加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，如果解密失败，则不能通过支付验证。其中，所述预定指纹信息可为多指纹序列，通过上述技术方案，能够通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，在所述接收来自所述终端的加密后的用户支付信息之前，还包括：根据接收到的第一设置命令，设置一个所述预定指纹信息或多个所述预定指纹信息。
在该技术方案中，用户可以根据自己的实际需要设置一个预定指纹信息也可以设置多个预定指纹信息，其中，如果设置一个预定指纹信息，在进行支付验证时操作简单能够节省支付验证的时间，如果设置多个预定指纹信息，安全系数较高，更能保证在进行支付验证过程中的安全性。
在上述技术方案中，优选地，在所述接收来自所述终端的加密后的用户支付信息之前，当设置有多个所述预定指纹信息时，还包括：多个所述预定指纹信息中的每个所述预定指纹信息设置预定顺序标识；以及所述通过预定指纹信息对所述加密后的用户支付信息进行解密，具体包括：通过具有所述预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
在该技术方案中，在获取该多个用户指纹信息的过程中会有相应的顺 序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
本发明的第四方面提出了一种用于支付验证的服务器，所述服务器与上述第二方面中所述的终端相连，包括：加密信息接收单元，接收来自所述终端的加密后的用户支付信息；解密单元，通过预定指纹信息对所述加密后的用户支付信息进行解密；处理结果发送单元，将解密后的处理结果发送至所述终端，以供所述终端根据所述处理结果确定是否通过支付验证。在该技术方案中，能够根据用户预先设定的预定指纹信息对加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，如果解密失败，则不能通过支付验证。其中，所述预定指纹信息可为多指纹序列，通过上述技术方案，能够通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，还包括：第一设置单元，在所述接收来自所述终端的加密后的用户支付信息之前，根据接收到的第一设置命令，设置一个所述预定指纹信息或多个所述预定指纹信息。
在该技术方案中，用户可以根据自己的实际需要设置一个预定指纹信息也可以设置多个预定指纹信息，其中，如果设置一个预定指纹信息，在进行支付验证时操作简单能够节省支付验证的时间，如果设置多个预定指纹信息，安全系数较高，更能保证在进行支付验证过程中的安全性。
在上述技术方案中，优选地，还包括：第二设置单元，为多个所述预定指纹信息中的每个所述预定指纹信息设置预定顺序标识；以及所述解密单元具体用于：通过具有所述预定顺序标识的多个所述预定指纹信息对所 述加密后的用户支付信息进行解密。
在该技术方案中，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
通过本发明的技术方案，能够利用用户指纹信息对用户支付信息进行加密，通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。
附图说明
图1示出了根据本发明的一个实施例的支付验证方法的流程图；
图2示出了根据本发明的一个实施例的终端的框图；
图3示出了根据本发明的另一个实施例的支付验证方法的流程图；
图4示出了根据本发明的一个实施例的服务器的框图；
图5示出了根据本发明的一个实施例的终端支付验证的流程图。
具体实施方式
为了能够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1示出了根据本发明的一个实施例的支付验证方法的流程图。
如图1所示，根据本发明的一个实施例的支付验证方法，用于终端，包括：
步骤102，接收用户指纹信息和用户支付信息。
步骤104，通过用户指纹信息为用户支付信息进行加密。
步骤106，将加密后的用户支付信息发送至服务器，以供服务器确定是否能够根据预定指纹信息对加密后的用户支付信息进行解密。
步骤108，接收来自服务器的处理结果。
步骤110，根据处理结果，确定是否通过支付验证。
在该技术方案中，能够利用用户指纹信息为用户支付信息进行加密，其中，所述指纹信息可为多指纹序列，这样，服务器就能够接收到加密后的用户支付信息，然后再根据预先设定的预定指纹信息对该加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，否则不能通过支付验证。其中，用户支付信息包括：用户的账号、支付密码、物品价格以及支付费用等。通过上述技术方案，能够利用用户指纹信息对用户支付信息进行加密，通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，用户指纹信息包括一个指纹信息或多个指纹信息，其中，当用户指纹信息包括多个指纹信息时，支付验证方法还包括：按照接收多个指纹信息的顺序，为多个指纹信息中的每个指纹信息设置顺序标识；以及通过用户指纹信息为用户支付信息进行加密，具体包括：使用具有顺序标识的多个指纹信息为用户支付信息进行加密，以供服务器确定是否能够根据具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密。
在该技术方案中，获取到的用户指纹信息可以是一个指纹信息也可以是多个指纹信息，为了进一步提升支付过程的安全性，往往需要获取多个指纹信息。此时，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这 样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
图2示出了根据本发明的一个实施例的终端的框图。
如图2所示，根据本发明的一个实施例的终端200，包括：信息接收单元202，接收用户指纹信息和用户支付信息；加密单元204，通过用户指纹信息为用户支付信息进行加密；发送单元206，将加密后的用户支付信息发送至服务器，以供服务器确定是否能够根据预定指纹信息对加密后的用户支付信息进行解密；以及处理结果接收单元208，接收来自服务器的处理结果；确定单元210，根据处理结果，确定是否通过支付验证。
在该技术方案中，能够利用用户指纹信息为用户支付信息进行加密，其中，所述指纹信息可为多指纹序列，这样，服务器就能够接收到加密后的用户支付信息，然后再根据预先设定的预定指纹信息对该加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，否则不能通过支付验证。其中，用户支付信息包括：用户的账号、支付密码、物品价格以及支付费用等。通过上述技术方案，能够利用用户指纹信息对用户支付信息进行加密，并通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，用户指纹信息包括一个指纹信息或多个指纹信息，以及终端200还包括：顺序标识设置单元212，当用户指纹信息包括多个指纹信息时，按照接收多个指纹信息的顺序，为多个指纹信息中的每个指纹信息设置顺序标识；以及加密单元204具体用于：使用具有顺序标识的多个指纹信息为用户支付信息进行加密，以供服务器确定是否能够根据具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息 进行解密。
在该技术方案中，获取到的用户指纹信息可以是一个指纹信息也可以是多个指纹信息，为了进一步提升支付过程的安全性，往往需要获取多个指纹信息。此时，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
图3示出了根据本发明的另一个实施例的支付验证方法的流程图。
如图3所示，根据本发明的另一个实施例的支付验证方法，用于服务器，服务器与图2示出的终端200相连，包括：
步骤302，接收来自终端的加密后的用户支付信息。
步骤304，通过预定指纹信息对加密后的用户支付信息进行解密。
步骤306，将解密后的处理结果发送至终端，以供终端根据处理结果确定是否通过支付验证。
在该技术方案中，能够根据用户预先设定的预定指纹信息对加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，如果解密失败，则不能通过支付验证。其中，所述预定指纹信息可为多指纹序列，通过上述技术方案，能够通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，在步骤302之前，还包括：根据接收到的第一设置命令，设置一个预定指纹信息或多个预定指纹信息。
在该技术方案中，用户可以根据自己的实际需要设置一个预定指纹信息也可以设置多个预定指纹信息，其中，如果设置一个预定指纹信息，在 进行支付验证时操作简单能够节省支付验证的时间，如果设置多个预定指纹信息，安全系数较高，更能保证在进行支付验证过程中的安全性。
在上述技术方案中，优选地，在步骤302之前，当设置有多个预定指纹信息时，还包括：为多个预定指纹信息中的每个预定指纹信息设置预定顺序标识；以及步骤304具体包括：通过具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密。
在该技术方案中，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
图4示出了根据本发明的一个实施例的服务器的框图。
如图4所示，根据本发明的一个实施例的服务器400，服务器400与图2示出的终端200相连，包括：加密信息接收单元402，接收来自终端的加密后的用户支付信息；解密单元404，通过预定指纹信息对加密后的用户支付信息进行解密；处理结果发送单元406，将解密后的处理结果发送至终端，以供终端根据处理结果确定是否通过支付验证。
在该技术方案中，能够根据用户预先设定的预定指纹信息对加密后的用户支付信息进行解密，如果解密成功，则通过支付验证，如果解密失败，则不能通过支付验证。其中，所述预定指纹信息可为多指纹序列，通过上述技术方案，能够通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，保证了用户进行支付验证的安全性。
在上述技术方案中，优选地，还包括：第一设置单元408，在接收来自终端的加密后的用户支付信息之前，根据接收到的第一设置命令，设置 一个预定指纹信息或多个预定指纹信息。
在该技术方案中，用户可以根据自己的实际需要设置一个预定指纹信息也可以设置多个预定指纹信息，其中，如果设置一个预定指纹信息，在进行支付验证时操作简单能够节省支付验证的时间，如果设置多个预定指纹信息，安全系数较高，更能保证在进行支付验证过程中的安全性。
在上述技术方案中，优选地，还包括：第二设置单元410，为多个预定指纹信息中的每个预定指纹信息设置预定顺序标识；以及解密单元404具体用于：通过具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密。
在该技术方案中，在获取该多个用户指纹信息的过程中会有相应的顺序，就可以根据该顺序为获取到的每个用户指纹信息设置相应的顺序标识，这样就能够利用具有顺序标识的多个用户指纹信息为用户支付信息进行加密，然后，服务器就可以利用用户预先设定的具有预定顺序标识的多个预定指纹信息对加密后的用户支付信息进行解密，如果多个用户指纹信息与多个预定指纹信息一致，并且顺序标识与预定顺序标识也一致，则通过支付验证，否则不能通过支付验证。通过上述技术方案，能够为多个用户指纹信息设置相应的顺序标识，进一步提高了用户支付信息的安全性，以及保障了用户进行支付验证的安全。
图5示出了根据本发明的一个实施例的终端支付验证的流程图。
步骤502，扫描器扫描二维码进行支付。
步骤504，发出提示信息，提示用户需要输入多指纹序列，其中，多指纹序列指具有预定顺序的多个指纹信息。
步骤506，获取用户输入的支付账号和密码信息。
步骤508，通过多指纹序列对用户账户和密码信息进行加密，并将加密后的用户账户和密码信息发送到银行端(即服务器)。
步骤510，银行端通过用户预先设定的预定多指纹序列，对加密后的用户的账号和密码信息进行解密。其中，预定多指纹序列，用户可以根据自己的实际需要进行自由组合。
步骤512，判断解密是否成功，当判断结果为是时，进入步骤514，当 判断结果为否时，进入步骤516。
步骤514，支付验证成功。
步骤516，支付验证失败。
以上结合附图详细说明了本发明的技术方案，通过本发明的技术方案，能够利用用户指纹信息对用户支付信息进行加密，通过预定指纹信息对加密后的用户支付信息进行解密，进而能够准确地确定是否是用户本人进行操作，提高了用户支付信息的安全性，保证了用户进行支付验证的安全性。
在本发明中，术语“第一”、“第二”、“第三”、“第四”仅用于描述的目的，而不能理解为指示或暗示相对重要性；术语“多个”表示两个或两个以上；术语“相连”、“连接”等均应做广义理解，例如，可以是固定连接，也可以是可拆卸连接，或一体地连接；可以是直接相连，也可以通过中间媒介间接相连。对于本领域的普通技术人员而言，可以根据具体情况理解上述术语在本发明中的具体含义。
在本说明书的描述中，术语“一个实施例”、“另一个实施例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或特点包含于本实用新型的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不一定指的是相同的实施例或实例。而且，描述的具体特征、结构、材料或特点可以在任何的一个或多个实施例或示例中以合适的方式结合。
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 (10)

  1. 一种支付验证方法，用于终端，其特征在于，包括：
    接收用户指纹信息和用户支付信息；
    通过所述用户指纹信息为所述用户支付信息进行加密；
    将加密后的用户支付信息发送至服务器，以供所述服务器确定是否能够根据预定指纹信息对所述加密后的用户支付信息进行解密；以及
    接收来自所述服务器的处理结果；
    根据所述处理结果，确定是否通过支付验证。
  2. 根据权利要求1所述的支付验证方法，其特征在于，所述用户指纹信息包括一个指纹信息或多个指纹信息，其中，当所述用户指纹信息包括所述多个指纹信息时，所述支付验证方法还包括：
    按照接收所述多个指纹信息的顺序，为所述多个指纹信息中的每个指纹信息设置顺序标识；以及
    所述通过所述用户指纹信息为所述用户支付信息进行加密，具体包括：
    使用具有所述顺序标识的所述多个指纹信息为所述用户支付信息进行加密，以供所述服务器确定是否能够根据具有预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
  3. 一种用于支付验证的终端，其特征在于，包括：
    信息接收单元，接收用户指纹信息和用户支付信息；
    加密单元，通过所述用户指纹信息为所述用户支付信息进行加密；
    发送单元，将加密后的用户支付信息发送至服务器，以供所述服务器确定是否能够根据预定指纹信息对所述加密后的用户支付信息进行解密；以及
    处理结果接收单元，接收来自所述服务器的处理结果；
    确定单元，根据所述处理结果，确定是否通过支付验证。
  4. 根据权利要求3所述的终端，其特征在于，所述用户指纹信息包括一个指纹信息或多个指纹信息，以及
    所述终端还包括：
    顺序标识设置单元，当所述用户指纹信息包括所述多个指纹信息时，按照接收所述多个指纹信息的顺序，为所述多个指纹信息中的每个指纹信息设置顺序标识；以及
    所述加密单元具体用于：
    使用具有所述顺序标识的所述多个指纹信息为所述用户支付信息进行加密，以供所述服务器确定是否能够根据具有预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
  5. 一种支付验证方法，用于服务器，所述服务器与如权利要求3或4所述的终端相连，其特征在于，包括：
    接收来自所述终端的加密后的用户支付信息；
    通过预定指纹信息对所述加密后的用户支付信息进行解密；
    将解密后的处理结果发送至所述终端，以供所述终端根据所述处理结果确定是否通过支付验证。
  6. 根据权利要求5所述的支付验证方法，其特征在于，在所述接收来自所述终端的加密后的用户支付信息之前，包括：
    根据接收到的第一设置命令，设置一个所述预定指纹信息或多个所述预定指纹信息。
  7. 根据权利要求6所述的支付验证方法，其特征在于，在所述接收来自所述终端的加密后的用户支付信息之前，当设置有多个所述预定指纹信息时，还包括：
    为多个所述预定指纹信息中的每个所述预定指纹信息设置预定顺序标识；以及
    所述通过预定指纹信息对所述加密后的用户支付信息进行解密，具体包括：
    通过具有所述预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
  8. 一种用于支付验证的服务器，所述服务器与如权利要求3或4所述的终端相连，其特征在于，包括：
    加密信息接收单元，接收来自所述终端的加密后的用户支付信息；
    解密单元，通过预定指纹信息对所述加密后的用户支付信息进行解密；
    处理结果发送单元，将解密后的处理结果发送至所述终端，以供所述终端根据所述处理结果确定是否通过支付验证。
  9. 根据权利要求8所述的服务器，其特征在于，还包括：
    第一设置单元，在所述接收来自所述终端的加密后的用户支付信息之前，根据接收到的第一设置命令，设置一个所述预定指纹信息或多个所述预定指纹信息。
  10. 根据权利要求9所述的服务器，其特征在于，还包括：
    第二设置单元，为多个所述预定指纹信息中的每个所述预定指纹信息设置预定顺序标识；以及
    所述解密单元具体用于：
    通过具有所述预定顺序标识的多个所述预定指纹信息对所述加密后的用户支付信息进行解密。
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