WO2018232667A1 - Network payment method and system - Google Patents

Network payment method and system Download PDF

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Publication number
WO2018232667A1
WO2018232667A1 PCT/CN2017/089451 CN2017089451W WO2018232667A1 WO 2018232667 A1 WO2018232667 A1 WO 2018232667A1 CN 2017089451 W CN2017089451 W CN 2017089451W WO 2018232667 A1 WO2018232667 A1 WO 2018232667A1
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WO
WIPO (PCT)
Prior art keywords
server
location information
verification
user terminal
payment
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PCT/CN2017/089451
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French (fr)
Chinese (zh)
Inventor
王苏娜
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深圳支点电子智能科技有限公司
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Priority to PCT/CN2017/089451 priority Critical patent/WO2018232667A1/en
Publication of WO2018232667A1 publication Critical patent/WO2018232667A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to a network payment method and system.
  • Online payment has become a common method of people's generation, such as online shopping, credit card repayment or online transfer.
  • the main method of network payment is the payment account and the payment password verification method.
  • the payment account and password can be entered in the corresponding payment page to complete the payment.
  • passwords and payment accounts are easily stolen, which leads to the loss of the user's property.
  • mobile phone SMS verification has been added, but mobile phones are also likely to be stolen. It can be seen that the current payment has a problem of relatively poor security.
  • the object of the present invention is to provide a network payment method and system, which solves the problem that payment security is relatively poor.
  • an embodiment of the present invention provides a network payment method, including:
  • the server When receiving the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal;
  • the user terminal collects current location information of the user terminal according to the location information acquisition request, and sends the current location information to the server;
  • the method is at least used for verifying the payment password and the image information;
  • the server verifies the payment password and the image information, and when the verification passes, the payment is completed.
  • the method further includes:
  • the server selects a second verification mode by acquiring a plurality of verification modes in advance, and sends the second verification mode to the user terminal. a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
  • the user terminal After receiving the second verification request, the user terminal records the input duration of the user inputting the payment password, and determines whether the input duration exceeds a preset duration. If the input duration exceeds a preset duration, the facial image is collected. And the server sends the payment password, and an image verification request for requesting verification of the face image;
  • the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance And the first verification method corresponding to the current location information is selected in the multiple verification manners, and the first verification request corresponding to the first verification mode is sent to the user terminal, including:
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance
  • the method further includes:
  • the server selects a third verification mode corresponding to the current location information, and sends the location information to the user terminal. Transmitting, by the third verification mode, a third verification request, where the third verification mode is used to verify at least a payment password and a user double image information, where the user double image information is a person indicating at least two people Image information.
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance
  • the method further includes:
  • the server selects a fourth verification mode corresponding to the current location information, and sends the location information to the user terminal. Sending a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to at least verify the payment password, the user double image information, and the target terminal, where the user double image information indicates that the indication includes at least two Personal image information;
  • the server Receiving, by the server, the verification information sent by the target terminal, and verifying the verification information, if the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed, if the target terminal If any of the verification information sent, the payment password sent by the user terminal, and the image information of the user's double is not passed, it is determined that the payment verification has failed.
  • the embodiment of the invention further provides a network payment system, comprising: a server and a user terminal, wherein:
  • the server is configured to send a location information acquisition request to the user terminal when receiving a payment request sent by the user terminal;
  • the user terminal is configured to collect current location information of the user terminal according to the location information acquisition request, and send the current location information to the server;
  • the server is further configured to determine whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported to the server by the user terminal in advance And the first verification mode corresponding to the current location information is selected in the plurality of verification modes, and the first verification request corresponding to the first verification mode is sent to the user terminal, where The first verification mode is at least used for verifying the payment password and the image information;
  • the user terminal is further configured to send, to the server, a payment password and image information requested by the first verification request;
  • the server is further configured to verify the payment password and the image information, and when the verification passes, complete the payment.
  • the server is further configured to select a second verification mode by acquiring a plurality of verification modes in advance, and The user terminal sends the second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
  • the user terminal is further configured to: after receiving the second verification request, record an input duration of the user inputting the payment password, and determine whether the input duration exceeds a preset duration, and if the input duration exceeds a preset duration, the user is collected. a face image, and the server sends the payment password, and an image verification request requesting verification of the face image;
  • the server is further configured to receive the payment password and an image verification request, and match the face image with a face image previously sent by the user terminal to the server, if the face image is If the face image sent by the user terminal to the server is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
  • the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
  • the server is further configured to determine whether the current location information is the resident location information reported by the user terminal to the server, if the current location information is not given to the server by the user terminal.
  • the reported resident location information is used to determine whether the current location information is the payment scenario location information pre-stored by the server. If the current location information is the payment scenario location information pre-stored by the server, the pre-acquisition is obtained in advance.
  • Select the current location letter in the verification mode Corresponding to the first verification mode, and sending the first verification request corresponding to the first verification mode to the user terminal, where the first verification mode is used to verify at least the payment password and the user single image information. .
  • the server is further configured to select a third verification mode corresponding to the current location information by acquiring a plurality of verification modes in advance, And sending, to the user terminal, a third verification request corresponding to the third verification mode, where the third verification mode is used to verify at least the payment password and the user double image information, where the user double image information is an indication. At least two person image information is included.
  • the server is further configured to select a fourth verification mode corresponding to the current location information by acquiring a plurality of verification modes in advance, And sending, to the user terminal, a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to verify at least the payment password, the user double image information, and the target terminal, where the user double image
  • the information is information indicating the character image including at least two people;
  • the server is further configured to send a verification request to the target terminal
  • the server is further configured to receive the verification information sent by the target terminal, and verify the verification information. If the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed. If any one of the verification information sent by the target terminal, the payment password sent by the user terminal, and the image information of the user is not passed, it is determined that the payment verification fails.
  • the server when the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal; the user terminal collects the current location information of the user terminal according to the location information acquisition request, And sending the current location information to the server; the server determining whether the current location information is resident location information reported by the user terminal to the server, if the current location information is not the user And the first verification mode corresponding to the current location information is selected by the terminal, and the first verification mode corresponding to the first verification mode is sent to the user terminal.
  • a first verification request wherein the first verification mode is used at least to verify a payment password and image information; and the user terminal sends the payment password and image information requested by the first verification request to the server; The server verifies the payment password and the image information, and when the verification passes, the end is completed. Payment. This It can realize the verification of payment password and image information, thereby improving the security of payment.
  • FIG. 1 is a schematic flowchart of a network payment method according to an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a network payment system according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of another network payment system according to an embodiment of the present invention.
  • FIG. 1 is a network payment method according to an embodiment of the present invention, including:
  • the server When the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal.
  • the user terminal collects current location information of the user terminal according to the location information acquisition request, and sends the current location information to the server.
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not the resident station reported by the user terminal to the server in advance And the first verification mode corresponding to the current location information is selected in the plurality of verification modes, and the first verification request corresponding to the first verification mode is sent to the user terminal, where the first A verification method is used at least for verifying the payment password and image information;
  • the user terminal sends, to the server, a payment password and image information requested by the first verification request.
  • the server verifies the payment password and the image information, and when the verification passes, the payment is completed.
  • the above steps it is possible to perform verification of the payment password and image information when the geographic location of the user terminal is not in the resident location, so as to improve the security performance of the payment. Because, often the payment password is stolen, then it must not be the location of the user's resident location to pay.
  • the above image information may be face image information.
  • the method further includes:
  • the server selects a second verification mode by acquiring a plurality of verification modes in advance, and sends the second verification mode to the user terminal. a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
  • the user terminal After receiving the second verification request, the user terminal records the input duration of the user inputting the payment password, and determines whether the input duration exceeds a preset duration. If the input duration exceeds a preset duration, the facial image is collected. And the server sends the payment password, and an image verification request for requesting verification of the face image;
  • the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
  • the determination of the input duration of the payment password by the user may be implemented to improve the payment difficulty, thereby achieving the effect of improving payment security. Because in practice, if a legitimate user enters a password, it is often very fast, because the password is familiar, and the other is to avoid being peeked by them. When an illegal user is unfamiliar with the password, the input is often slow.
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance Resident location information, then select the current one among multiple acquisition verification methods in advance
  • the first verification mode corresponding to the location information, and the first verification request corresponding to the first verification mode is sent to the user terminal, including:
  • the payment password and the user single image information are verified by the above payment scenario location information to improve the security of the payment. Because users may have a business trip, and travel is often done at some of the more common payment scenario locations.
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance
  • the method further includes:
  • the server selects a third verification mode corresponding to the current location information, and sends the location information to the user terminal. Transmitting, by the third verification mode, a third verification request, where the third verification mode is used to verify at least a payment password and a user double image information, where the user double image information is a person indicating at least two people Image information.
  • the payment verification difficulty may be increased to improve the security of the payment.
  • the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance
  • the method further includes:
  • the server selects the fourth verification corresponding to the current location information by acquiring a plurality of verification modes in advance. And sending, to the user terminal, a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to at least verify the payment password, the user double image information, and the target terminal, where the user
  • the double image information is character image information indicating at least two people;
  • the server Receiving, by the server, the verification information sent by the target terminal, and verifying the verification information, if the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed, if the target terminal If any of the verification information sent, the payment password sent by the user terminal, and the image information of the user's double is not passed, it is determined that the payment verification has failed.
  • the payment verification difficulty may be increased to improve the security of the payment.
  • the server when the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal; the user terminal collects the current location information of the user terminal according to the location information acquisition request, And sending the current location information to the server; the server determining whether the current location information is resident location information reported by the user terminal to the server, if the current location information is not the user And the first verification mode corresponding to the current location information is selected by the terminal, and the first verification mode corresponding to the first verification mode is sent to the user terminal.
  • a first verification request wherein the first verification mode is used at least to verify a payment password and image information; and the user terminal sends the payment password and image information requested by the first verification request to the server; The server verifies the payment password and the image information, and when the verification passes, the end is completed. Payment. This can verify the payment password and image information, thereby improving the security of payment.
  • FIG. 2 is a schematic structural diagram of a network payment system according to an embodiment of the present invention. As shown in FIG. 2, the method includes: a server 201 and a user terminal 202, where:
  • the server 201 is configured to send a location information acquisition request to the user terminal 202 when receiving a payment request sent by the user terminal 202;
  • the user terminal 202 is configured to collect current location information of the user terminal 202 according to the location information acquisition request, and send the current location information to the server 201;
  • the server 201 is further configured to determine whether the current location information is the resident location information reported by the user terminal 202 to the server 201, if the current location information is not used.
  • the resident terminal 202 sends the first location verification mode corresponding to the current location information to the resident terminal location, and sends the first verification mode corresponding to the current location information to the user terminal 202.
  • a first verification request corresponding to the verification mode, wherein the first verification mode is used to verify at least the payment password and the image information
  • the user terminal 202 is further configured to send, to the server 201, a payment password and image information requested by the first verification request;
  • the server 201 is further configured to verify the payment password and the image information, and when the verification passes, complete the payment.
  • the server 201 is further configured to select a second verification mode by acquiring a plurality of verification modes in advance. Sending, to the user terminal 202, a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
  • the user terminal 202 is further configured to: after receiving the second verification request, record an input duration of the user inputting the payment password, and determine whether the input duration exceeds a preset duration; if the input duration exceeds a preset duration, the collection is performed. a face image, and the server 201 sends the payment password, and an image verification request requesting verification of the face image;
  • the server 201 is further configured to receive the payment password and an image verification request, and match the face image with a face image previously sent by the user terminal 202 to the server 201, if the face image If the face image previously transmitted by the user terminal 202 to the server 201 is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
  • the face image is not successfully matched with the face image previously sent by the user terminal 202 to the server 201, it is determined that the payment verification fails.
  • the server 201 is further configured to determine whether the current location information is the resident location information reported by the user terminal 202 to the server 201, if the current location information is not in advance for the user terminal 202.
  • the resident location information reported by the server 201 is determined whether the current location information is the payment scenario location information pre-stored by the server 201, and the current location information is a payment scenario location pre-stored by the server 201.
  • the first verification mode corresponding to the current location information is selected in the multiple verification manners, and the first verification request corresponding to the first verification mode is sent to the user terminal 202, where the a verification method to Less used to verify payment passwords and user single image information.
  • the server 201 is further configured to select a third verification corresponding to the current location information by acquiring a plurality of verification modes in advance. And sending, to the user terminal 202, a third verification request corresponding to the third verification mode, where the third verification mode is used to verify at least the payment password and the user double image information, the user double image
  • the information is character image information indicating at least two people.
  • the system further includes a target terminal 203.
  • the server 201 is further configured to acquire more in advance.
  • the fourth verification mode corresponding to the current location information is selected in the verification mode, and the fourth verification request corresponding to the fourth verification mode is sent to the user terminal 202, where the fourth verification mode is used at least for The payment password, the user double image information, and the target terminal 203 perform verification, the user double image information is character image information indicating at least two people;
  • the server 201 is further configured to send a verification request to the target terminal 203.
  • the server 201 is further configured to receive the verification information sent by the target terminal 203, and verify the verification information. If the verification passes and the payment password and the user double image information sent by the user terminal 202 are verified, When the payment is completed, if any of the verification information sent by the target terminal 203, the payment password sent by the user terminal 202, and the image information of the user is not passed, it is determined that the payment verification has failed.
  • the server when the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal; the user terminal collects the current location information of the user terminal according to the location information acquisition request, And sending the current location information to the server; the server determining whether the current location information is resident location information reported by the user terminal to the server, if the current location information is not the user And the first verification mode corresponding to the current location information is selected by the terminal, and the first verification mode corresponding to the first verification mode is sent to the user terminal.
  • a first verification request wherein the first verification mode is used at least to verify a payment password and image information; and the user terminal sends the payment password and image information requested by the first verification request to the server; The server verifies the payment password and the image information, and when the verification passes, the end is completed. Payment. This It can realize the verification of payment password and image information, thereby improving the security of payment.
  • the disclosed method and apparatus may be implemented in other manners.
  • the device embodiments described above are merely illustrative.
  • the division of the unit is only a logical function division.
  • there may be another division manner for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored or not executed.
  • the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in an electrical, mechanical or other form.
  • each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may be physically included separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of hardware plus software functional units.
  • the above-described integrated unit implemented in the form of a software functional unit can be stored in a computer readable storage medium.
  • the above software functional unit is stored in a storage medium and includes a plurality of instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform part of the steps of the transceiving method of the various embodiments of the present invention.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, and the program code can be stored. Medium.

Abstract

Provided are a network payment method and system. The method comprises: when receiving a payment request sent by a user terminal, a server sending to the user terminal a position information acquisition request; according to the position information acquisition request, the user terminal collecting current position information about the user terminal and sending to the server the current position information; the server determining whether the current position information is resident position information pre-reported to the server by the user terminal, and selecting, if the current position information is not the resident position information pre-reported to the server by the user terminal, a first verification mode corresponding to the current position information from a plurality of pre-acquired verification modes, and sending to the user terminal a first verification request corresponding to the first verification mode; the user terminal sending to the server a payment password and image information requested by the first verification request; and the server verifying the payment password and the image information, and completing payment when the verification is passed. The embodiments of the present invention can improve the security of payment.

Description

一种网络支付方法和系统Network payment method and system 技术领域Technical field
本发明涉及通信技术领域，尤其涉及一种网络支付方法和系统。The present invention relates to the field of communications technologies, and in particular, to a network payment method and system.
背景技术Background technique
网络支付已经成为人们生成中常用的方式，例如：网上购物、信用卡还款或者网上转账等等。目前网络支付主要的方式是支付帐号和支付密码的验证方式，例如：用户需要在网上购买某件物品时，只要在对应的支付网页中输入支付帐号和密码就可以完成支付。但在实际生活中，密码和支付帐号是很容易被盗取的，这样导致用户的财产丢失。虽然，现在针对一些比较大金额的支付，增加了手机短信验证，但手机同样存在被盗取的可能。可见，目前支付存在安全性比较差的问题。Online payment has become a common method of people's generation, such as online shopping, credit card repayment or online transfer. At present, the main method of network payment is the payment account and the payment password verification method. For example, when the user needs to purchase an item on the Internet, the payment account and password can be entered in the corresponding payment page to complete the payment. But in real life, passwords and payment accounts are easily stolen, which leads to the loss of the user's property. Although, for some relatively large amounts of payment, mobile phone SMS verification has been added, but mobile phones are also likely to be stolen. It can be seen that the current payment has a problem of relatively poor security.
发明内容Summary of the invention
本发明的目的在于提供一种网络支付方法和系统，解决了支付存在安全性比较差的问题。The object of the present invention is to provide a network payment method and system, which solves the problem that payment security is relatively poor.
为了达到上述目的，本发明实施例提供一种网络支付方法，包括：To achieve the above objective, an embodiment of the present invention provides a network payment method, including:
服务器接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；When receiving the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal;
所述用户终端根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；The user terminal collects current location information of the user terminal according to the location information acquisition request, and sends the current location information to the server;
所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；Determining, by the server, whether the current location information is the resident location information reported by the user terminal to the server in advance, if the current location information is not the resident location information reported by the user terminal to the server in advance And the first verification mode corresponding to the current location information is selected, and the first verification request corresponding to the first verification mode is sent to the user terminal, where the first verification is performed. The method is at least used for verifying the payment password and the image information;
所述用户终端向所述服务器发送所述第一验证请求所请求的支付密码和图像信息； Sending, by the user terminal, the payment password and image information requested by the first verification request to the server;
所述服务器对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。The server verifies the payment password and the image information, and when the verification passes, the payment is completed.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息的步骤之后，所述方法还包括：Preferably, after the step of determining, by the server, that the current location information is the resident location information reported by the user terminal to the server in advance, the method further includes:
若所述当前位置信息为所述用户终端预先给所述服务器上报的常驻位置信息，则所述服务器在预先获取多个验证方式中选择第二验证方式，并向所述用户终端发送所述第二验证方式对应的第二验证请求，其中，所述第一验证方式至少用于对支付密码进行验证；If the current location information is the resident location information reported by the user terminal to the server in advance, the server selects a second verification mode by acquiring a plurality of verification modes in advance, and sends the second verification mode to the user terminal. a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
所述用户终端接收所述第二验证请求后，记录用户输入支付密码的输入时长，并判断所述输入时长是否超过预设时长，若所述输入时长超过预设时长，则采集人脸图像，并所述服务器发送所述支付密码，以及请求对所述人脸图像进行验证的图像验证请求；After receiving the second verification request, the user terminal records the input duration of the user inputting the payment password, and determines whether the input duration exceeds a preset duration. If the input duration exceeds a preset duration, the facial image is collected. And the server sends the payment password, and an image verification request for requesting verification of the face image;
所述服务器接收到所述支付密码和图像验证请求，对所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像进行匹配，若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配成功，则对所述支付密码进行验证，若验证通过，则完成支付；Receiving, by the server, the payment password and the image verification request, matching the face image with a face image previously sent by the user terminal to the server, if the face image and the user terminal are If the face image sent by the server is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配不成功，则确定支付验证失败。If the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，包括：Preferably, the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance And the first verification method corresponding to the current location information is selected in the multiple verification manners, and the first verification request corresponding to the first verification mode is sent to the user terminal, including:
所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息，若所述当前位置信息为所述服务器预先存储的支付场景位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其 中，所述第一验证方式至少用于对支付密码和用户单人图像信息进行验证。Determining, by the server, whether the current location information is the resident location information reported by the user terminal to the server in advance, if the current location information is not the resident location information reported by the user terminal to the server in advance And determining whether the current location information is the payment scenario location information pre-stored by the server, and if the current location information is the payment scenario location information pre-stored by the server, selecting the multiple verification manners in advance Determining a first verification mode corresponding to the current location information, and transmitting, to the user terminal, a first verification request corresponding to the first verification mode, where The first verification mode is used to verify at least the payment password and the user single image information.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息的步骤之后，所述方法还包括：Preferably, the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance After the step of determining whether the current location information is the location information of the payment scenario pre-stored by the server, the method further includes:
若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器在预先获取多个验证方式中选择所述当前位置信息对应的第三验证方式，并向所述用户终端发送所述第三验证方式对应的第三验证请求，其中，所述第三验证方式至少用于对支付密码和用户双人图像信息进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息。If the current location information is not the location information of the payment scenario that is pre-stored by the server, the server selects a third verification mode corresponding to the current location information, and sends the location information to the user terminal. Transmitting, by the third verification mode, a third verification request, where the third verification mode is used to verify at least a payment password and a user double image information, where the user double image information is a person indicating at least two people Image information.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息的步骤之后，所述方法还包括：Preferably, the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance After the step of determining whether the current location information is the location information of the payment scenario pre-stored by the server, the method further includes:
若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器在预先获取多个验证方式中选择所述当前位置信息对应的第四验证方式，并向所述用户终端发送所述第四验证方式对应的第四验证请求，其中，所述第四验证方式至少用于对支付密码、用户双人图像信息和目标终端进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息；If the current location information is not the pre-stored payment scenario location information, the server selects a fourth verification mode corresponding to the current location information, and sends the location information to the user terminal. Sending a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to at least verify the payment password, the user double image information, and the target terminal, where the user double image information indicates that the indication includes at least two Personal image information;
所述服务器向所述目标终端发送验证请求；Sending, by the server, a verification request to the target terminal;
所述服务器接收所述目标终端发送的验证信息，并对所述验证信息进行验证，若验证通过且所述用户终端发送的支付密码和用户双人图像信息均验证通过，则完成支付，若目标终端发送的验证信息、用户终端发送的支付密码和用户双人图像信息中有任一项验证不通过，则确定支付验证失败。Receiving, by the server, the verification information sent by the target terminal, and verifying the verification information, if the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed, if the target terminal If any of the verification information sent, the payment password sent by the user terminal, and the image information of the user's double is not passed, it is determined that the payment verification has failed.
本发明实施例还提供一种网络支付系统，包括：服务器和用户终端，其中：The embodiment of the invention further provides a network payment system, comprising: a server and a user terminal, wherein:
所述服务器，用于接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；The server is configured to send a location information acquisition request to the user terminal when receiving a payment request sent by the user terminal;
所述用户终端，用于根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息； The user terminal is configured to collect current location information of the user terminal according to the location information acquisition request, and send the current location information to the server;
所述服务器还用于判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；The server is further configured to determine whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported to the server by the user terminal in advance And the first verification mode corresponding to the current location information is selected in the plurality of verification modes, and the first verification request corresponding to the first verification mode is sent to the user terminal, where The first verification mode is at least used for verifying the payment password and the image information;
所述用户终端还用于向所述服务器发送所述第一验证请求所请求的支付密码和图像信息；The user terminal is further configured to send, to the server, a payment password and image information requested by the first verification request;
所述服务器还用于对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。The server is further configured to verify the payment password and the image information, and when the verification passes, complete the payment.
优选的，若所述当前位置信息为所述用户终端预先给所述服务器上报的常驻位置信息，则所述服务器还用于在预先获取多个验证方式中选择第二验证方式，并向所述用户终端发送所述第二验证方式对应的第二验证请求，其中，所述第一验证方式至少用于对支付密码进行验证；Preferably, if the current location information is the resident location information reported by the user terminal to the server in advance, the server is further configured to select a second verification mode by acquiring a plurality of verification modes in advance, and The user terminal sends the second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
所述用户终端还用于接收所述第二验证请求后，记录用户输入支付密码的输入时长，并判断所述输入时长是否超过预设时长，若所述输入时长超过预设时长，则采集人脸图像，并所述服务器发送所述支付密码，以及请求对所述人脸图像进行验证的图像验证请求；The user terminal is further configured to: after receiving the second verification request, record an input duration of the user inputting the payment password, and determine whether the input duration exceeds a preset duration, and if the input duration exceeds a preset duration, the user is collected. a face image, and the server sends the payment password, and an image verification request requesting verification of the face image;
所述服务器还用于接收到所述支付密码和图像验证请求，对所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像进行匹配，若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配成功，则对所述支付密码进行验证，若验证通过，则完成支付；The server is further configured to receive the payment password and an image verification request, and match the face image with a face image previously sent by the user terminal to the server, if the face image is If the face image sent by the user terminal to the server is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配不成功，则确定支付验证失败。If the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
优选的，所述服务器还用于判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息，若所述当前位置信息为所述服务器预先存储的支付场景位置信息，则在预先获取多个验证方式中选择所述当前位置信 息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和用户单人图像信息进行验证。Preferably, the server is further configured to determine whether the current location information is the resident location information reported by the user terminal to the server, if the current location information is not given to the server by the user terminal. The reported resident location information is used to determine whether the current location information is the payment scenario location information pre-stored by the server. If the current location information is the payment scenario location information pre-stored by the server, the pre-acquisition is obtained in advance. Select the current location letter in the verification mode Corresponding to the first verification mode, and sending the first verification request corresponding to the first verification mode to the user terminal, where the first verification mode is used to verify at least the payment password and the user single image information. .
优选的，若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器还用于在预先获取多个验证方式中选择所述当前位置信息对应的第三验证方式，并向所述用户终端发送所述第三验证方式对应的第三验证请求，其中，所述第三验证方式至少用于对支付密码和用户双人图像信息进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息。Preferably, if the current location information is not the pre-stored payment scenario location information, the server is further configured to select a third verification mode corresponding to the current location information by acquiring a plurality of verification modes in advance, And sending, to the user terminal, a third verification request corresponding to the third verification mode, where the third verification mode is used to verify at least the payment password and the user double image information, where the user double image information is an indication. At least two person image information is included.
优选的，若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器还用于在预先获取多个验证方式中选择所述当前位置信息对应的第四验证方式，并向所述用户终端发送所述第四验证方式对应的第四验证请求，其中，所述第四验证方式至少用于对支付密码、用户双人图像信息和目标终端进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息；Preferably, if the current location information is not the payment scenario location information that is pre-stored by the server, the server is further configured to select a fourth verification mode corresponding to the current location information by acquiring a plurality of verification modes in advance, And sending, to the user terminal, a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to verify at least the payment password, the user double image information, and the target terminal, where the user double image The information is information indicating the character image including at least two people;
所述服务器还用于向所述目标终端发送验证请求；The server is further configured to send a verification request to the target terminal;
所述服务器还用于接收所述目标终端发送的验证信息，并对所述验证信息进行验证，若验证通过且所述用户终端发送的支付密码和用户双人图像信息均验证通过，则完成支付，若目标终端发送的验证信息、用户终端发送的支付密码和用户双人图像信息中有任一项验证不通过，则确定支付验证失败。The server is further configured to receive the verification information sent by the target terminal, and verify the verification information. If the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed. If any one of the verification information sent by the target terminal, the payment password sent by the user terminal, and the image information of the user is not passed, it is determined that the payment verification fails.
本发明实施例中，服务器接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；所述用户终端根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；所述用户终端向所述服务器发送所述第一验证请求所请求的支付密码和图像信息；所述服务器对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。这 样可以实现对支付密码和图像信息进行验证，从而提高支付的安全性。In the embodiment of the present invention, when the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal; the user terminal collects the current location information of the user terminal according to the location information acquisition request, And sending the current location information to the server; the server determining whether the current location information is resident location information reported by the user terminal to the server, if the current location information is not the user And the first verification mode corresponding to the current location information is selected by the terminal, and the first verification mode corresponding to the first verification mode is sent to the user terminal. a first verification request, wherein the first verification mode is used at least to verify a payment password and image information; and the user terminal sends the payment password and image information requested by the first verification request to the server; The server verifies the payment password and the image information, and when the verification passes, the end is completed. Payment. This It can realize the verification of payment password and image information, thereby improving the security of payment.
附图说明DRAWINGS
为了更清楚地说明本发明实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings to be used in the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without paying any creative work.
图1是本发明实施例提供的一种网络支付方法的流程示意图；1 is a schematic flowchart of a network payment method according to an embodiment of the present invention;
图2是本发明实施例提供的一种网络支付系统的结构示意图；2 is a schematic structural diagram of a network payment system according to an embodiment of the present invention;
图3是本发明实施例提供的另一种网络支付系统的结构示意图。FIG. 3 is a schematic structural diagram of another network payment system according to an embodiment of the present invention.
具体实施方式Detailed ways
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.
请参考图1，图1是本发明实施例提供的一种网络支付方法，包括：Please refer to FIG. 1. FIG. 1 is a network payment method according to an embodiment of the present invention, including:
101、服务器接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；101. When the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal.
102、所述用户终端根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；102. The user terminal collects current location information of the user terminal according to the location information acquisition request, and sends the current location information to the server.
103、所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；The server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not the resident station reported by the user terminal to the server in advance And the first verification mode corresponding to the current location information is selected in the plurality of verification modes, and the first verification request corresponding to the first verification mode is sent to the user terminal, where the first A verification method is used at least for verifying the payment password and image information;
104、所述用户终端向所述服务器发送所述第一验证请求所请求的支付密码和图像信息； 104. The user terminal sends, to the server, a payment password and image information requested by the first verification request.
105、所述服务器对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。105. The server verifies the payment password and the image information, and when the verification passes, the payment is completed.
通过上述步骤可以实现在用户终端的地理位置不在常驻位置时，进行付密码和图像信息的验证，以提高支付的安全性能。因为，往往支付密码被盗，那么，一定不可能是用户常驻的地理位置进行支付。另外，上述图像信息可以是人脸图像信息。Through the above steps, it is possible to perform verification of the payment password and image information when the geographic location of the user terminal is not in the resident location, so as to improve the security performance of the payment. Because, often the payment password is stolen, then it must not be the location of the user's resident location to pay. In addition, the above image information may be face image information.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息的步骤之后，所述方法还包括：Preferably, after the step of determining, by the server, that the current location information is the resident location information reported by the user terminal to the server in advance, the method further includes:
若所述当前位置信息为所述用户终端预先给所述服务器上报的常驻位置信息，则所述服务器在预先获取多个验证方式中选择第二验证方式，并向所述用户终端发送所述第二验证方式对应的第二验证请求，其中，所述第一验证方式至少用于对支付密码进行验证；If the current location information is the resident location information reported by the user terminal to the server in advance, the server selects a second verification mode by acquiring a plurality of verification modes in advance, and sends the second verification mode to the user terminal. a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
所述用户终端接收所述第二验证请求后，记录用户输入支付密码的输入时长，并判断所述输入时长是否超过预设时长，若所述输入时长超过预设时长，则采集人脸图像，并所述服务器发送所述支付密码，以及请求对所述人脸图像进行验证的图像验证请求；After receiving the second verification request, the user terminal records the input duration of the user inputting the payment password, and determines whether the input duration exceeds a preset duration. If the input duration exceeds a preset duration, the facial image is collected. And the server sends the payment password, and an image verification request for requesting verification of the face image;
所述服务器接收到所述支付密码和图像验证请求，对所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像进行匹配，若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配成功，则对所述支付密码进行验证，若验证通过，则完成支付；Receiving, by the server, the payment password and the image verification request, matching the face image with a face image previously sent by the user terminal to the server, if the face image and the user terminal are If the face image sent by the server is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配不成功，则确定支付验证失败。If the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
该实施方式中，可以实现通过用户输入支付密码的输入时长的判断，以提高支付难度，进而达到提高支付安全性的效果。因为在实际中如果是合法用户输入密码，往往是速度很快的，一定因为密码很熟悉，另一个是为了避免被他们偷看。而非法用户时，由于对密码不熟悉，往往会输入的比较慢。In this embodiment, the determination of the input duration of the payment password by the user may be implemented to improve the payment difficulty, thereby achieving the effect of improving payment security. Because in practice, if a legitimate user enters a password, it is often very fast, because the password is familiar, and the other is to avoid being peeked by them. When an illegal user is unfamiliar with the password, the input is often slow.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前 位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，包括：Preferably, the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance Resident location information, then select the current one among multiple acquisition verification methods in advance The first verification mode corresponding to the location information, and the first verification request corresponding to the first verification mode is sent to the user terminal, including:
所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息，若所述当前位置信息为所述服务器预先存储的支付场景位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和用户单人图像信息进行验证。Determining, by the server, whether the current location information is the resident location information reported by the user terminal to the server in advance, if the current location information is not the resident location information reported by the user terminal to the server in advance And determining whether the current location information is the payment scenario location information pre-stored by the server, and if the current location information is the payment scenario location information pre-stored by the server, selecting the multiple verification manners in advance a first verification mode corresponding to the current location information, and sending a first verification request corresponding to the first verification mode to the user terminal, where the first verification mode is used at least for a payment password and a user single image The information is verified.
该实施方式中，通过上述支付场景位置信息来实现对支付密码和用户单人图像信息进行验证，以提高支付的安全性。因为，用户可能会存在出差的情况，而出差时往往都是在一些比较常见支付场景位置进行支付。In this embodiment, the payment password and the user single image information are verified by the above payment scenario location information to improve the security of the payment. Because users may have a business trip, and travel is often done at some of the more common payment scenario locations.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息的步骤之后，所述方法还包括：Preferably, the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance After the step of determining whether the current location information is the location information of the payment scenario pre-stored by the server, the method further includes:
若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器在预先获取多个验证方式中选择所述当前位置信息对应的第三验证方式，并向所述用户终端发送所述第三验证方式对应的第三验证请求，其中，所述第三验证方式至少用于对支付密码和用户双人图像信息进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息。If the current location information is not the location information of the payment scenario that is pre-stored by the server, the server selects a third verification mode corresponding to the current location information, and sends the location information to the user terminal. Transmitting, by the third verification mode, a third verification request, where the third verification mode is used to verify at least a payment password and a user double image information, where the user double image information is a person indicating at least two people Image information.
该实施方式中，可以实现如果前位置信息不为所述服务器预先存储的支付场景位置信息，则增加支付验证难度，以提高支付的安全性。In this implementation manner, if the front location information is not the payment scenario location information pre-stored by the server, the payment verification difficulty may be increased to improve the security of the payment.
优选的，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息的步骤之后，所述方法还包括：Preferably, the server determines whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported by the user terminal to the server in advance After the step of determining whether the current location information is the location information of the payment scenario pre-stored by the server, the method further includes:
若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器在预先获取多个验证方式中选择所述当前位置信息对应的第四验证 方式，并向所述用户终端发送所述第四验证方式对应的第四验证请求，其中，所述第四验证方式至少用于对支付密码、用户双人图像信息和目标终端进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息；If the current location information is not the pre-stored payment scenario location information, the server selects the fourth verification corresponding to the current location information by acquiring a plurality of verification modes in advance. And sending, to the user terminal, a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to at least verify the payment password, the user double image information, and the target terminal, where the user The double image information is character image information indicating at least two people;
所述服务器向所述目标终端发送验证请求；Sending, by the server, a verification request to the target terminal;
所述服务器接收所述目标终端发送的验证信息，并对所述验证信息进行验证，若验证通过且所述用户终端发送的支付密码和用户双人图像信息均验证通过，则完成支付，若目标终端发送的验证信息、用户终端发送的支付密码和用户双人图像信息中有任一项验证不通过，则确定支付验证失败。Receiving, by the server, the verification information sent by the target terminal, and verifying the verification information, if the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed, if the target terminal If any of the verification information sent, the payment password sent by the user terminal, and the image information of the user's double is not passed, it is determined that the payment verification has failed.
该实施方式中，可以实现如果前位置信息不为所述服务器预先存储的支付场景位置信息，则增加支付验证难度，以提高支付的安全性。In this implementation manner, if the front location information is not the payment scenario location information pre-stored by the server, the payment verification difficulty may be increased to improve the security of the payment.
本发明实施例中，服务器接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；所述用户终端根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；所述用户终端向所述服务器发送所述第一验证请求所请求的支付密码和图像信息；所述服务器对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。这样可以实现对支付密码和图像信息进行验证，从而提高支付的安全性。In the embodiment of the present invention, when the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal; the user terminal collects the current location information of the user terminal according to the location information acquisition request, And sending the current location information to the server; the server determining whether the current location information is resident location information reported by the user terminal to the server, if the current location information is not the user And the first verification mode corresponding to the current location information is selected by the terminal, and the first verification mode corresponding to the first verification mode is sent to the user terminal. a first verification request, wherein the first verification mode is used at least to verify a payment password and image information; and the user terminal sends the payment password and image information requested by the first verification request to the server; The server verifies the payment password and the image information, and when the verification passes, the end is completed. Payment. This can verify the payment password and image information, thereby improving the security of payment.
请参考图2，图2是本发明实施例提供的一种网络支付系统的结构示意图，如图2所示，包括：服务器201和用户终端202，其中：Please refer to FIG. 2. FIG. 2 is a schematic structural diagram of a network payment system according to an embodiment of the present invention. As shown in FIG. 2, the method includes: a server 201 and a user terminal 202, where:
所述服务器201，用于接收到用户终端202发送的支付请求时，向所述用户终端202发送位置信息获取请求；The server 201 is configured to send a location information acquisition request to the user terminal 202 when receiving a payment request sent by the user terminal 202;
所述用户终端202，用于根据所述位置信息获取请求，采集所述用户终端202的当前位置信息，并向所述服务器201发送所述当前位置信息；The user terminal 202 is configured to collect current location information of the user terminal 202 according to the location information acquisition request, and send the current location information to the server 201;
所述服务器201还用于判断所述当前位置信息是否为所述用户终端202预先给所述服务器201上报的常驻位置信息，若所述当前位置信息不为所述用 户终端202预先给所述服务器201上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端202发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；The server 201 is further configured to determine whether the current location information is the resident location information reported by the user terminal 202 to the server 201, if the current location information is not used. The resident terminal 202 sends the first location verification mode corresponding to the current location information to the resident terminal location, and sends the first verification mode corresponding to the current location information to the user terminal 202. a first verification request corresponding to the verification mode, wherein the first verification mode is used to verify at least the payment password and the image information;
所述用户终端202还用于向所述服务器201发送所述第一验证请求所请求的支付密码和图像信息；The user terminal 202 is further configured to send, to the server 201, a payment password and image information requested by the first verification request;
所述服务器201还用于对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。The server 201 is further configured to verify the payment password and the image information, and when the verification passes, complete the payment.
优选的，若所述当前位置信息为所述用户终端202预先给所述服务器201上报的常驻位置信息，则所述服务器201还用于在预先获取多个验证方式中选择第二验证方式，并向所述用户终端202发送所述第二验证方式对应的第二验证请求，其中，所述第一验证方式至少用于对支付密码进行验证；Preferably, if the current location information is the resident location information reported by the user terminal 202 to the server 201, the server 201 is further configured to select a second verification mode by acquiring a plurality of verification modes in advance. Sending, to the user terminal 202, a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
所述用户终端202还用于接收所述第二验证请求后，记录用户输入支付密码的输入时长，并判断所述输入时长是否超过预设时长，若所述输入时长超过预设时长，则采集人脸图像，并所述服务器201发送所述支付密码，以及请求对所述人脸图像进行验证的图像验证请求；The user terminal 202 is further configured to: after receiving the second verification request, record an input duration of the user inputting the payment password, and determine whether the input duration exceeds a preset duration; if the input duration exceeds a preset duration, the collection is performed. a face image, and the server 201 sends the payment password, and an image verification request requesting verification of the face image;
所述服务器201还用于接收到所述支付密码和图像验证请求，对所述人脸图像与所述用户终端202向所述服务器201预先发送的人脸图像进行匹配，若所述人脸图像与所述用户终端202向所述服务器201预先发送的人脸图像匹配成功，则对所述支付密码进行验证，若验证通过，则完成支付；The server 201 is further configured to receive the payment password and an image verification request, and match the face image with a face image previously sent by the user terminal 202 to the server 201, if the face image If the face image previously transmitted by the user terminal 202 to the server 201 is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
若所述人脸图像与所述用户终端202向所述服务器201预先发送的人脸图像匹配不成功，则确定支付验证失败。If the face image is not successfully matched with the face image previously sent by the user terminal 202 to the server 201, it is determined that the payment verification fails.
优选的，所述服务器201还用于判断所述当前位置信息是否为所述用户终端202预先给所述服务器201上报的常驻位置信息，若所述当前位置信息不为所述用户终端202预先给所述服务器201上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器201预先存储的支付场景位置信息，若所述当前位置信息为所述服务器201预先存储的支付场景位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端202发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至 少用于对支付密码和用户单人图像信息进行验证。Preferably, the server 201 is further configured to determine whether the current location information is the resident location information reported by the user terminal 202 to the server 201, if the current location information is not in advance for the user terminal 202. The resident location information reported by the server 201 is determined whether the current location information is the payment scenario location information pre-stored by the server 201, and the current location information is a payment scenario location pre-stored by the server 201. And the first verification mode corresponding to the current location information is selected in the multiple verification manners, and the first verification request corresponding to the first verification mode is sent to the user terminal 202, where the a verification method to Less used to verify payment passwords and user single image information.
优选的，若所述当前位置信息不为所述服务器201预先存储的支付场景位置信息，则所述服务器201还用于在预先获取多个验证方式中选择所述当前位置信息对应的第三验证方式，并向所述用户终端202发送所述第三验证方式对应的第三验证请求，其中，所述第三验证方式至少用于对支付密码和用户双人图像信息进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息。Preferably, if the current location information is not the payment scenario location information that is pre-stored by the server 201, the server 201 is further configured to select a third verification corresponding to the current location information by acquiring a plurality of verification modes in advance. And sending, to the user terminal 202, a third verification request corresponding to the third verification mode, where the third verification mode is used to verify at least the payment password and the user double image information, the user double image The information is character image information indicating at least two people.
优选的，如图3所示，所述系统还包括目标终端203，若所述当前位置信息不为所述服务器201预先存储的支付场景位置信息，则所述服务器201还用于在预先获取多个验证方式中选择所述当前位置信息对应的第四验证方式，并向所述用户终端202发送所述第四验证方式对应的第四验证请求，其中，所述第四验证方式至少用于对支付密码、用户双人图像信息和目标终端203进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息；Preferably, as shown in FIG. 3, the system further includes a target terminal 203. If the current location information is not the payment scenario location information pre-stored by the server 201, the server 201 is further configured to acquire more in advance. The fourth verification mode corresponding to the current location information is selected in the verification mode, and the fourth verification request corresponding to the fourth verification mode is sent to the user terminal 202, where the fourth verification mode is used at least for The payment password, the user double image information, and the target terminal 203 perform verification, the user double image information is character image information indicating at least two people;
所述服务器201还用于向所述目标终端203发送验证请求；The server 201 is further configured to send a verification request to the target terminal 203.
所述服务器201还用于接收所述目标终端203发送的验证信息，并对所述验证信息进行验证，若验证通过且所述用户终端202发送的支付密码和用户双人图像信息均验证通过，则完成支付，若目标终端203发送的验证信息、用户终端202发送的支付密码和用户双人图像信息中有任一项验证不通过，则确定支付验证失败。The server 201 is further configured to receive the verification information sent by the target terminal 203, and verify the verification information. If the verification passes and the payment password and the user double image information sent by the user terminal 202 are verified, When the payment is completed, if any of the verification information sent by the target terminal 203, the payment password sent by the user terminal 202, and the image information of the user is not passed, it is determined that the payment verification has failed.
本发明实施例中，服务器接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；所述用户终端根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；所述用户终端向所述服务器发送所述第一验证请求所请求的支付密码和图像信息；所述服务器对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。这 样可以实现对支付密码和图像信息进行验证，从而提高支付的安全性。In the embodiment of the present invention, when the server receives the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal; the user terminal collects the current location information of the user terminal according to the location information acquisition request, And sending the current location information to the server; the server determining whether the current location information is resident location information reported by the user terminal to the server, if the current location information is not the user And the first verification mode corresponding to the current location information is selected by the terminal, and the first verification mode corresponding to the first verification mode is sent to the user terminal. a first verification request, wherein the first verification mode is used at least to verify a payment password and image information; and the user terminal sends the payment password and image information requested by the first verification request to the server; The server verifies the payment password and the image information, and when the verification passes, the end is completed. Payment. This It can realize the verification of payment password and image information, thereby improving the security of payment.
在本申请所提供的几个实施例中，应该理解到，所揭露方法和装置，可以通过其它的方式实现。例如，以上所描述的装置实施例仅仅是示意性的，例如，所述单元的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式，例如多个单元或组件可以结合或者可以集成到另一个系统，或一些特征可以忽略，或不执行。另一点，所显示或讨论的相互之间的耦合或直接耦合或通信连接可以是通过一些接口，装置或单元的间接耦合或通信连接，可以是电性，机械或其它的形式。In the several embodiments provided in the present application, it should be understood that the disclosed method and apparatus may be implemented in other manners. For example, the device embodiments described above are merely illustrative. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in an electrical, mechanical or other form.
另外，在本发明各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理包括，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用硬件加软件功能单元的形式实现。In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may be physically included separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of hardware plus software functional units.
上述以软件功能单元的形式实现的集成的单元，可以存储在一个计算机可读取存储介质中。上述软件功能单元存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本发明各个实施例所述收发方法的部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(Read-Only Memory，简称ROM)、随机存取存储器(Random Access Memory，简称RAM)、磁碟或者光盘等各种可以存储程序代码的介质。The above-described integrated unit implemented in the form of a software functional unit can be stored in a computer readable storage medium. The above software functional unit is stored in a storage medium and includes a plurality of instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform part of the steps of the transceiving method of the various embodiments of the present invention. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, and the program code can be stored. Medium.
以上所述是本发明的优选实施方式，应当指出，对于本技术领域的普通技术人员来说，在不脱离本发明所述原理的前提下，还可以作出若干改进和润饰，这些改进和润饰也应视为本发明的保护范围。 The above is a preferred embodiment of the present invention, and it should be noted that those skilled in the art can also make several improvements and retouchings without departing from the principles of the present invention. It should be considered as the scope of protection of the present invention.

Claims (10)

  1. 一种网络支付方法，其特征在于，包括：A network payment method, comprising:
    服务器接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；When receiving the payment request sent by the user terminal, the server sends a location information acquisition request to the user terminal;
    所述用户终端根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；The user terminal collects current location information of the user terminal according to the location information acquisition request, and sends the current location information to the server;
    所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；Determining, by the server, whether the current location information is the resident location information reported by the user terminal to the server in advance, if the current location information is not the resident location information reported by the user terminal to the server in advance And the first verification mode corresponding to the current location information is selected, and the first verification request corresponding to the first verification mode is sent to the user terminal, where the first verification is performed. The method is at least used for verifying the payment password and the image information;
    所述用户终端向所述服务器发送所述第一验证请求所请求的支付密码和图像信息；Sending, by the user terminal, the payment password and image information requested by the first verification request to the server;
    所述服务器对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。The server verifies the payment password and the image information, and when the verification passes, the payment is completed.
  2. 如权利要求1所述的方法，其特征在于，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息的步骤之后，所述方法还包括：The method of claim 1, wherein the method further comprises: after the step of determining, by the server, that the current location information is the resident location information reported by the user terminal to the server in advance, the method further comprises:
    若所述当前位置信息为所述用户终端预先给所述服务器上报的常驻位置信息，则所述服务器在预先获取多个验证方式中选择第二验证方式，并向所述用户终端发送所述第二验证方式对应的第二验证请求，其中，所述第一验证方式至少用于对支付密码进行验证；If the current location information is the resident location information reported by the user terminal to the server in advance, the server selects a second verification mode by acquiring a plurality of verification modes in advance, and sends the second verification mode to the user terminal. a second verification request corresponding to the second verification mode, where the first verification mode is used to verify at least the payment password;
    所述用户终端接收所述第二验证请求后，记录用户输入支付密码的输入时长，并判断所述输入时长是否超过预设时长，若所述输入时长超过预设时长，则采集人脸图像，并所述服务器发送所述支付密码，以及请求对所述人脸图像进行验证的图像验证请求；After receiving the second verification request, the user terminal records the input duration of the user inputting the payment password, and determines whether the input duration exceeds a preset duration. If the input duration exceeds a preset duration, the facial image is collected. And the server sends the payment password, and an image verification request for requesting verification of the face image;
    所述服务器接收到所述支付密码和图像验证请求，对所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像进行匹配，若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配成功，则对所述支付密码进行 验证，若验证通过，则完成支付；Receiving, by the server, the payment password and the image verification request, matching the face image with a face image previously sent by the user terminal to the server, if the face image and the user terminal are If the face image sent by the server is successfully matched, the payment password is performed. Verification, if the verification is passed, the payment is completed;
    若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配不成功，则确定支付验证失败。If the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
  3. 如权利要求1或2所述的方法，其特征在于，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，包括：The method according to claim 1 or 2, wherein the server determines whether the current location information is resident location information reported by the user terminal to the server in advance, if the current location information is not And the first verification mode corresponding to the current location information is selected by the user terminal, and the first verification mode is sent to the user terminal, and the first verification mode is sent to the user terminal. The first verification request corresponding to the mode includes:
    所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息，若所述当前位置信息为所述服务器预先存储的支付场景位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和用户单人图像信息进行验证。Determining, by the server, whether the current location information is the resident location information reported by the user terminal to the server in advance, if the current location information is not the resident location information reported by the user terminal to the server in advance And determining whether the current location information is the payment scenario location information pre-stored by the server, and if the current location information is the payment scenario location information pre-stored by the server, selecting the multiple verification manners in advance a first verification mode corresponding to the current location information, and sending a first verification request corresponding to the first verification mode to the user terminal, where the first verification mode is used at least for a payment password and a user single image The information is verified.
  4. 如权利要求3所述的方法，其特征在于，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息的步骤之后，所述方法还包括：The method of claim 3, wherein the server determines whether the current location information is resident location information reported by the user terminal to the server in advance, if the current location information is not the After the step of the user terminal pre-determining the resident location information reported by the server, and determining whether the current location information is the location information of the payment scenario stored in advance by the server, the method further includes:
    若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器在预先获取多个验证方式中选择所述当前位置信息对应的第三验证方式，并向所述用户终端发送所述第三验证方式对应的第三验证请求，其中，所述第三验证方式至少用于对支付密码和用户双人图像信息进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息。If the current location information is not the location information of the payment scenario that is pre-stored by the server, the server selects a third verification mode corresponding to the current location information, and sends the location information to the user terminal. Transmitting, by the third verification mode, a third verification request, where the third verification mode is used to verify at least a payment password and a user double image information, where the user double image information is a person indicating at least two people Image information.
  5. 如权利要求3所述的方法，其特征在于，所述服务器判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息的步骤之 后，所述方法还包括：The method of claim 3, wherein the server determines whether the current location information is resident location information reported by the user terminal to the server in advance, if the current location information is not the The step of determining, by the user terminal, the resident location information reported by the server, whether the current location information is the location information of the payment scenario pre-stored by the server Thereafter, the method further includes:
    若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器在预先获取多个验证方式中选择所述当前位置信息对应的第四验证方式，并向所述用户终端发送所述第四验证方式对应的第四验证请求，其中，所述第四验证方式至少用于对支付密码、用户双人图像信息和目标终端进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息；If the current location information is not the pre-stored payment scenario location information, the server selects a fourth verification mode corresponding to the current location information, and sends the location information to the user terminal. Sending a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to at least verify the payment password, the user double image information, and the target terminal, where the user double image information indicates that the indication includes at least two Personal image information;
    所述服务器向所述目标终端发送验证请求；Sending, by the server, a verification request to the target terminal;
    所述服务器接收所述目标终端发送的验证信息，并对所述验证信息进行验证，若验证通过且所述用户终端发送的支付密码和用户双人图像信息均验证通过，则完成支付，若目标终端发送的验证信息、用户终端发送的支付密码和用户双人图像信息中有任一项验证不通过，则确定支付验证失败。Receiving, by the server, the verification information sent by the target terminal, and verifying the verification information, if the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed, if the target terminal If any of the verification information sent, the payment password sent by the user terminal, and the image information of the user's double is not passed, it is determined that the payment verification has failed.
  6. 一种网络支付系统，其特征在于，包括：服务器和用户终端，其中：A network payment system, comprising: a server and a user terminal, wherein:
    所述服务器，用于接收到用户终端发送的支付请求时，向所述用户终端发送位置信息获取请求；The server is configured to send a location information acquisition request to the user terminal when receiving a payment request sent by the user terminal;
    所述用户终端，用于根据所述位置信息获取请求，采集所述用户终端的当前位置信息，并向所述服务器发送所述当前位置信息；The user terminal is configured to collect current location information of the user terminal according to the location information acquisition request, and send the current location information to the server;
    所述服务器还用于判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和图像信息进行验证；The server is further configured to determine whether the current location information is the resident location information reported by the user terminal to the server in advance, and if the current location information is not reported to the server by the user terminal in advance And the first verification mode corresponding to the current location information is selected in the plurality of verification modes, and the first verification request corresponding to the first verification mode is sent to the user terminal, where The first verification mode is at least used for verifying the payment password and the image information;
    所述用户终端还用于向所述服务器发送所述第一验证请求所请求的支付密码和图像信息；The user terminal is further configured to send, to the server, a payment password and image information requested by the first verification request;
    所述服务器还用于对所述支付密码和图像信息进行验证，当验证通过时，则完成支付。The server is further configured to verify the payment password and the image information, and when the verification passes, complete the payment.
  7. 如权利要求6所述的系统，其特征在于，若所述当前位置信息为所述用户终端预先给所述服务器上报的常驻位置信息，则所述服务器还用于在预先获取多个验证方式中选择第二验证方式，并向所述用户终端发送所述第二验证 方式对应的第二验证请求，其中，所述第一验证方式至少用于对支付密码进行验证；The system according to claim 6, wherein the server is further configured to acquire a plurality of verification methods in advance if the current location information is the resident location information reported by the user terminal to the server in advance. Selecting a second verification mode, and transmitting the second verification to the user terminal a second verification request corresponding to the mode, wherein the first verification mode is used to verify at least the payment password;
    所述用户终端还用于接收所述第二验证请求后，记录用户输入支付密码的输入时长，并判断所述输入时长是否超过预设时长，若所述输入时长超过预设时长，则采集人脸图像，并所述服务器发送所述支付密码，以及请求对所述人脸图像进行验证的图像验证请求；The user terminal is further configured to: after receiving the second verification request, record an input duration of the user inputting the payment password, and determine whether the input duration exceeds a preset duration, and if the input duration exceeds a preset duration, the user is collected. a face image, and the server sends the payment password, and an image verification request requesting verification of the face image;
    所述服务器还用于接收到所述支付密码和图像验证请求，对所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像进行匹配，若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配成功，则对所述支付密码进行验证，若验证通过，则完成支付；The server is further configured to receive the payment password and an image verification request, and match the face image with a face image previously sent by the user terminal to the server, if the face image is If the face image sent by the user terminal to the server is successfully matched, the payment password is verified, and if the verification is passed, the payment is completed;
    若所述人脸图像与所述用户终端向所述服务器预先发送的人脸图像匹配不成功，则确定支付验证失败。If the face image is not successfully matched with the face image previously sent by the user terminal to the server, it is determined that the payment verification fails.
  8. 如权利要求6或7所述的系统，其特征在于，所述服务器还用于判断所述当前位置信息是否为所述用户终端预先给所述服务器上报的常驻位置信息，若所述当前位置信息不为所述用户终端预先给所述服务器上报的常驻位置信息，则判断所述当前位置信息是否为所述服务器预先存储的支付场景位置信息，若所述当前位置信息为所述服务器预先存储的支付场景位置信息，则在预先获取多个验证方式中选择所述当前位置信息对应的第一验证方式，并向所述用户终端发送所述第一验证方式对应的第一验证请求，其中，所述第一验证方式至少用于对支付密码和用户单人图像信息进行验证。The system according to claim 6 or 7, wherein the server is further configured to determine whether the current location information is resident location information reported by the user terminal to the server in advance, if the current location If the information is not the resident location information reported by the user terminal to the server in advance, determining whether the current location information is the payment scenario location information pre-stored by the server, if the current location information is the server in advance The stored payment scenario location information, the first verification mode corresponding to the current location information is selected in a plurality of verification manners, and the first verification request corresponding to the first verification mode is sent to the user terminal, where The first verification mode is used to verify at least the payment password and the user single image information.
  9. 如权利要求8所述的系统，其特征在于，若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器还用于在预先获取多个验证方式中选择所述当前位置信息对应的第三验证方式，并向所述用户终端发送所述第三验证方式对应的第三验证请求，其中，所述第三验证方式至少用于对支付密码和用户双人图像信息进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息。The system according to claim 8, wherein if the current location information is not the payment scenario location information pre-stored by the server, the server is further configured to select the plurality of verification modes in advance. The third verification mode corresponding to the current location information, and the third verification request corresponding to the third verification mode is sent to the user terminal, where the third verification mode is used to perform at least the payment password and the user double image information. It is verified that the user double image information is character image information indicating at least two people.
  10. 如权利要求8所述的系统，其特征在于，若所述当前位置信息不为所述服务器预先存储的支付场景位置信息，则所述服务器还用于在预先获取多个验证方式中选择所述当前位置信息对应的第四验证方式，并向所述用户终端发 送所述第四验证方式对应的第四验证请求，其中，所述第四验证方式至少用于对支付密码、用户双人图像信息和目标终端进行验证，所述用户双人图像信息是指示至少包括两个人的人物图像信息；The system according to claim 8, wherein if the current location information is not the payment scenario location information pre-stored by the server, the server is further configured to select the plurality of verification modes in advance. a fourth verification mode corresponding to the current location information, and sent to the user terminal Sending a fourth verification request corresponding to the fourth verification mode, where the fourth verification mode is used to at least verify the payment password, the user double image information, and the target terminal, where the user double image information indicates that the indication includes at least two Personal image information;
    所述服务器还用于向所述目标终端发送验证请求；The server is further configured to send a verification request to the target terminal;
    所述服务器还用于接收所述目标终端发送的验证信息，并对所述验证信息进行验证，若验证通过且所述用户终端发送的支付密码和用户双人图像信息均验证通过，则完成支付，若目标终端发送的验证信息、用户终端发送的支付密码和用户双人图像信息中有任一项验证不通过，则确定支付验证失败。 The server is further configured to receive the verification information sent by the target terminal, and verify the verification information. If the verification is passed and the payment password and the user double image information sent by the user terminal are verified, the payment is completed. If any one of the verification information sent by the target terminal, the payment password sent by the user terminal, and the image information of the user is not passed, it is determined that the payment verification fails.
PCT/CN2017/089451 2017-06-21 2017-06-21 Network payment method and system WO2018232667A1 (en)

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