WO2020156152A1 - 支付信息绑定方法、装置、移动终端及系统 - Google Patents

支付信息绑定方法、装置、移动终端及系统 Download PDF

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Publication number
WO2020156152A1
WO2020156152A1 PCT/CN2020/072046 CN2020072046W WO2020156152A1 WO 2020156152 A1 WO2020156152 A1 WO 2020156152A1 CN 2020072046 W CN2020072046 W CN 2020072046W WO 2020156152 A1 WO2020156152 A1 WO 2020156152A1
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WIPO (PCT)
Prior art keywords
payment
mobile terminal
broadcast message
payment account
device identification
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PCT/CN2020/072046
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English (en)
French (fr)
Inventor
黄亮
方攀
Original Assignee
Oppo广东移动通信有限公司
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Application filed by Oppo广东移动通信有限公司 filed Critical Oppo广东移动通信有限公司
Publication of WO2020156152A1 publication Critical patent/WO2020156152A1/zh

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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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • This application relates to the field of electronic payment technology, and more specifically, to a payment information binding method, device, mobile terminal and system.
  • this application proposes a payment information binding method, device, mobile terminal and system to improve the above problems.
  • an embodiment of the present application provides a payment information binding method, which is applied to a mobile terminal, and the method includes: when a broadcast message that satisfies the target data format is monitored, obtaining the device identification of the payment device from the broadcast message Obtain the payment account bound to the mobile terminal; send the payment account and the device identification to the server to instruct the server to bind the payment account and the device identification for the payment account corresponding to the biological Characteristic information for payment verification.
  • the embodiments of the present application provide a payment information binding method, which is applied to a payment information binding system.
  • the system includes a mobile terminal, a payment machine, and a server.
  • the mobile terminal and the payment machine are connected to each other.
  • the server is connected to the network, and the method includes: the payment device sends a broadcast message meeting the target data format according to a preset frequency, and the broadcast message includes the device identification of the payment device; when the mobile terminal monitors the meeting target data Format broadcast message, from which the device identification of the payment device is obtained; the mobile terminal obtains the payment account bound to the mobile terminal; the mobile terminal sends the payment account and the device identification to the server;
  • the server binds the payment account and the device identification to perform payment verification on the biometric information corresponding to the payment account.
  • an embodiment of the present application provides a payment information binding device, which is applied to a mobile terminal, and the device includes: a data processing module, which is used for monitoring a broadcast message that meets the target data format, from the broadcast message Obtain the device identification of the payment device; the account acquisition module is used to obtain the payment account number bound to the mobile terminal; the sending module is used to send the payment account number and the device identification to the server to instruct the server to send the payment The account number and the device identification are bound to perform payment verification on the biometric information corresponding to the payment account.
  • an embodiment of the present application provides a mobile terminal, including a memory and a processor, the memory is coupled to the processor, the memory stores instructions, and when the instructions are executed by the processor, The processor executes the above-mentioned method applied to a mobile terminal.
  • the embodiments of the present application provide a computer-readable storage medium.
  • the computer-readable storage medium stores program code, and the program code can be invoked by a processor to execute the above-mentioned method applied to a mobile terminal .
  • an embodiment of the present application provides a payment information binding system, including a mobile terminal, a payment device, and a server.
  • the mobile terminal and the payment device are connected to the server network respectively, wherein the payment device It is used to send a broadcast message meeting the target data format at a preset frequency, the broadcast message includes the device identification of the payment device; the mobile terminal is used to listen to the broadcast message meeting the target data format, and obtain it from the broadcast message
  • the device identification of the payment device the mobile terminal is used to obtain the payment account bound to the mobile terminal; the mobile terminal is used to send the payment account and the device identification to the server; the server is used to transfer all
  • the payment account and the device identification are bound to perform payment verification on the biometric information corresponding to the payment account.
  • Fig. 1 shows an interactive schematic diagram of a payment information binding system provided by an embodiment of the present application.
  • Fig. 2 shows another schematic diagram of interaction of the payment information binding system provided by an embodiment of the present application.
  • Fig. 3 shows a flowchart of a payment information binding method provided by an embodiment of the present application.
  • Fig. 4 shows a flowchart of a payment information binding method provided by another embodiment of the present application.
  • Fig. 5 shows a sequence state diagram of a payment information binding method provided by another embodiment of the present application.
  • FIG. 6 shows a flowchart of a payment information binding method provided by another embodiment of the present application.
  • Fig. 7 shows a functional module diagram of a payment information binding device provided by an embodiment of the present application.
  • Fig. 8 shows a structural block diagram of an electronic device provided by an embodiment of the present application.
  • Fig. 9 is a storage medium for storing or carrying program codes for implementing the payment information binding method according to the embodiment of the present application.
  • payment can be made through the user's biometric information, such as the user's face, fingerprint, palmprint, and iris, which can uniquely identify the user's identity.
  • biometric information such as the user's face, fingerprint, palmprint, and iris
  • the user can directly provide the corresponding biometric information in the biometric collection device provided by the merchant.
  • the user provides the face in front of the face collection device for the face collection device to collect, and the user does not need additional information Take out the mobile phone and other payment devices, the payment speed is faster and the operation is simpler.
  • biometric information can uniquely identify a user’s identity, there is also a very small chance of identification errors, such as identifying one user’s biometric information as another user’s biometric information; on the other hand, criminals may pass The simulation imitates the biometric information of other users and impersonates other users for payment.
  • the inventor found that if it is determined that the user enters the vicinity of the payment device, and the user receives the biometric information provided by the payment device for deduction, it can be further determined The identity feature information provided for the user himself, thereby further ensuring the security of payment. Therefore, the inventor carefully studied the payment process through the user's biometric information.
  • the biometric information usually corresponds to a payment account.
  • the payment account corresponding to the biometric information is matched, and the payment account is deducted from the matched payment account.
  • the payment account matched by the biometric information may be a payment account bound in the mobile terminal, such as an account of a certain payment application in the mobile terminal.
  • users When shopping offline, users usually carry a mobile terminal bound with a payment account. Therefore, in the case where it is determined that the mobile terminal bound with the payment account is located near the payment machine, the receiving user makes the payment through the payment machine, which can further ensure the security of the payment.
  • the payment device broadcasts the broadcast message carrying its own device identification, and the mobile terminal located near the payment device can receive the Broadcast news.
  • the mobile terminal obtains the device identification of the payment device from the received broadcast message, and sends the device identification and its bound payment account to the server for binding, so as to realize the connection between the payment account of the user near the payment device and the payment device Binding.
  • the server can verify whether the payment account corresponding to the biometric information is bound to the payment device, and verify whether the mobile terminal corresponding to the payment account is near the payment device, and the payment account corresponds to Whether the user is in the vicinity of the payment machine is verified, double verification, and the security of payment is improved.
  • the payment information binding method, device and mobile terminal can be used in the payment information binding system 100 shown in FIG. 1.
  • the payment information binding system includes a mobile terminal 110, a payment device 120, and a server 130.
  • the mobile terminal 110 and the payment device 120 are respectively connected to the server 130 via a network.
  • the payment device 120 and the server 130 may be a wired or wireless connection
  • the mobile terminal 110 and the server 130 may be a wireless connection, such as a 2G, 3G, 4G or other mobile network data connection or a wifi connection .
  • the mobile terminal 110 may be a mobile phone, a tablet computer, or other smart devices that can perform mobile electronic payments, and a payment account pre-bound by the user is stored in the mobile terminal.
  • the payment device 120 can be a smart device that has a function of collecting money and can broadcast messages, such as a cash register in a supermarket. It can be used to collect the user’s biometric information and transmit it to the server 130, and the server 130 is used to receive The biometric information completes the payment operation.
  • the payment device 120 can continuously send broadcast messages. When the mobile terminal 110 is located near the payment device 120 and enters the radiation range of the payment device broadcast message, it can receive the broadcast message sent by the payment device .
  • the payment device 120 may send a broadcast message in a set wireless communication mode, where the dotted circle around the payment device 120 in FIG. 1 represents the coverage of the broadcast message sent by the payment device.
  • the wireless communication mode includes a Bluetooth BLE mode or a Wi-Fi Aware mode.
  • the mobile terminal 110 can search for nearby wireless signals in the set wireless communication mode, so that when the mobile terminal 110 enters the range of the dashed circle shown in FIG. 1, it can receive the broadcast message sent by the payment device 120 .
  • the mobile terminal 110 can establish a wireless connection with the payment device 120 based on the currently adopted wireless communication mode, and then after the wireless connection is established, the mobile terminal 110 can obtain a device ID that uniquely identifies the payment device from the data stored in the payment device.
  • the payment device 120 may carry its own device identification in the broadcast message sent by itself, so that the mobile terminal 110 may receive the broadcast message sent by the payment device 120. , The device identification of the payment device 120 that sent the broadcast message can be obtained from the broadcast message.
  • the mobile terminal 110 may send the obtained device identification and the payment account stored by itself to the server 130 through the base station 140 and the gateway 150 of the mobile communication network. Furthermore, the mobile terminal 110 may also send the acquired device identification and the payment account stored by itself to the server 130 through the wireless hotspot 160.
  • the server 130 receives the device identification and payment account number sent by the mobile terminal 110, it binds the device identification and the payment account number, thereby indicating that the user of the payment account is near the payment device to which the device identification belongs.
  • the server 130 can complete the process after verifying that the payment account corresponding to the biometric information is bound to the device ID of the payment device. Payment operation of the payment account.
  • the mobile terminal 110 can obtain the device identification of the payment device 120 through the broadcast message sent by the payment device 120, there is no need for the user to operate the mobile terminal (for example, the mobile terminal in the figure can always be placed In the trouser pocket), the mobile terminal 110 can complete the binding operation of the payment account and the device identification of the payment device 120.
  • the user In the payment process, the user only needs to collect the biometric information at the payment machine 120, and the payment machine 120 can send the collected biometric information to the server 130 to complete the payment. There is no need for the user to operate the mobile terminal. During the process, users do not need to manually perform payment operations.
  • Fig. 3 shows the payment information binding method provided by an embodiment of the present application, which is applied to a mobile terminal. Specifically, as shown in FIG. 3, the method may include:
  • Step S110 When a broadcast message meeting the target data format is monitored, the device identification of the payment device is obtained from the broadcast message.
  • the mobile terminal can monitor broadcast messages sent by other devices.
  • the mobile terminal enters the radiation range of the payment device that sends the broadcast message, it can monitor the broadcast message sent by the payment device.
  • the broadcast message sent by the payment device may be a broadcast message that meets the target data format. Therefore, when the mobile terminal monitors a broadcast message that meets the target data format, it can be determined that the broadcast message of the payment device is monitored.
  • Step S120 Obtain a payment account bound to the mobile terminal.
  • the mobile terminal can obtain the bound payment account.
  • the payment account may be a payment account bound to a payment application in the mobile terminal, which is the account of the payment account. If the payment account is debited, the payment account corresponding to the payment account can be deducted.
  • Step S130 Send the payment account number and the device identification to the server to instruct the server to bind the payment account number and the device identification to determine whether the biometric information obtained from the payment device corresponds to The payment verification of the payment account.
  • the mobile terminal sends the payment account and the acquired device identification of the payment device to the server to instruct the server to bind the payment account and the device identification, indicating that the mobile terminal corresponding to the payment account is in the payment device corresponding to the device identification Within the broadcast radiation range, it means that the mobile terminal is not far away from the payment device.
  • the payment verification for the payment account is performed through the biometric information obtained from the payment device, it can be more certain that the biometric information is provided to the user corresponding to the payment account, which improves the security of payment.
  • the embodiment of the present application also provides a payment information binding method, which is applied to a payment information binding system.
  • the payment information binding method includes:
  • Step S210 The payment device sends a broadcast message meeting the target data format at a preset frequency, and the broadcast message includes the device identification of the payment device.
  • the payment device can continuously send out broadcast messages, so that mobile terminals that enter the radiation range of the payment device's broadcast message can receive the broadcast message and respond.
  • the power of the broadcast message sent by the payment device and the current environment will affect the receiving range.
  • the mobile terminal enters the 5 to 10 meter range of the payment device, it will receive the broadcast message sent by the payment device.
  • the payment device may send broadcast messages at a preset frequency.
  • the specific value of the preset frequency is not limited in the embodiment of the present application, and any mobile terminal that enters the radiation range of the payment device may respond quickly.
  • the payment device may send a low-power connectionless broadcast message, such as a beacon signal sent through Bluetooth Low Energy (BLE) communication.
  • BLE Bluetooth Low Energy
  • the broadcast format of the beacon signal may be iBeacon, AltBeacon or EddyStone, etc.; such as broadcast messages sent through WiFi Aware.
  • the payment device sends may be a broadcast message that meets the target data format, so that the mobile terminal can correctly recognize the broadcast message.
  • the target data format may be that the data in the preset bytes in the broadcast message is designated data.
  • the designated data may be preset data that is known to both the payment machine and the mobile terminal, so that when the designated data is recognized, it can be determined that the broadcast message meets the target data format.
  • the designated data is data representing the identity of a legal payment application, and when it is recognized that the data in the preset byte in the broadcast message is data of the identity of the legal payment application, it is determined that the broadcast message meets the target data format.
  • the designated data is an arbitrary data arrangement, but the data arrangement is commonly known by the payment machine and the mobile terminal.
  • the preset byte may be a certain byte segment in the broadcast message, which is preset and known to the payment device and the mobile terminal.
  • the sent beacon signal contains 31 bytes of data, and one or more designated bytes of the UUID data in the beacon signal are set to be used as a preset byte, and the designated data is stored in the preset byte, which is directly stored in the preset byte.
  • the specified data can be obtained by setting the byte.
  • the position of the preset byte may be stored in a preset byte that is known to the payment machine and the mobile terminal. For example, for payment devices and mobile terminals, it is known that the a byte in the broadcast message stores the byte of the specified data. If the data stored in the a byte in the broadcast message is b, it can be obtained from the a byte Data b, and then obtain the specified data from the b byte of the broadcast message.
  • the sent beacon signal contains 31 bytes of data.
  • the UUID data in the beacon signal is set to include Data data and Mask data.
  • the Data data can include the device identification of the machine, the manufacturer information of the machine, and the payment application corresponding to the machine.
  • Data data can be "0324616C64570247962587864326561612436A0100020003";
  • Mask data can identify which data in Data can be used to filter Bluetooth broadcast data through designated bytes, that is, designated bytes identify which data in Data data Bytes are designated data.
  • the Mask data can be 0000FFFFFFFFFFFFFFFFFFFFFF0000000000000.
  • the first 4 F bytes are the bytes that identify the specified data location. Only the Data data corresponding to the FFFF corresponding to the first 4 F in the Mask can filter the Bluetooth broadcast, that is, the first 4 in the Data data.
  • the data stored in the FFFF byte corresponding to each F is the specified data. Only when the data corresponding to the FFFF byte in the Mask is received is the specified data, the broadcast message that meets the target data format is considered to be received.
  • the payment device in the broadcast message sent by the payment device, there is a byte for storing the device identification of the payment device, and the payment device can add its own device identification to the byte.
  • which bytes are used to store the device identification of the implement are not limited in the embodiment of the present application.
  • the device identification of the device may be stored in a byte that is set in advance and known to both the payment device and the mobile terminal.
  • the byte position for storing the device identifier of the device may be stored in a predetermined byte set in advance and known to both the payment device and the mobile terminal.
  • the A byte in the broadcast message stores the location of the equipment identification used to store the equipment. If the data stored in the A byte in the broadcast message is B, the data in the B byte of the broadcast message is the equipment’s Equipment Identity.
  • the device identification of the payment device and the specified data can be stored in sequence, and the location of the specified data is determined from the broadcast message, and then the location of the device identification of the payment device in the broadcast message can be determined; or, By determining the location of the device identification of the payment device from the broadcast message, the location of the designated data in the broadcast message can be determined.
  • the broadcast message can also include other information, such as the device identification of the machine, the manufacturer's information of the machine, and the identity data of the payment application corresponding to the machine.
  • other information such as the device identification of the machine, the manufacturer's information of the machine, and the identity data of the payment application corresponding to the machine.
  • the storage method of other information in the broadcast message please refer to the storage method of designated data mentioned above. As well as the storage method of payment equipment and equipment identification, I will not repeat it here.
  • various information in the broadcast message may be encrypted or unencrypted, which is not limited in the embodiment of the present application.
  • Step S220 When the mobile terminal monitors the broadcast message that meets the target data format, obtain the device identification of the payment device from the broadcast message.
  • the mobile terminal can start monitoring the broadcast message, and the specific monitoring method can be determined according to the way the payment device sends the broadcast message. For example, if the payment device sends a broadcast message through Bluetooth low energy communication, the mobile terminal can receive the broadcast message sent by the device through the Bluetooth module using Bluetooth low energy communication. If the payment device sends the broadcast message through WiFi Aware, the mobile The terminal can receive broadcast messages in a manner corresponding to WiFi Aware.
  • the broadcast message When a broadcast message is monitored, it can be judged whether the broadcast message meets the target data format.
  • a specific way of judging whether the broadcast message meets the target data format may be judging whether the data in the preset bytes in the broadcast message is designated data. If it is determined that the received broadcast message is a broadcast message that satisfies the target data format, the device identification of the payment device can be obtained from the broadcast message. Specifically, the data in the byte used to store the device identification of the payment device in the broadcast message can be obtained as the device identification of the payment device.
  • the mobile terminal determines that the received broadcast message is not a broadcast message that meets the target data format, it discards the broadcast message and continues to monitor the broadcast message.
  • Step S230 The mobile terminal obtains the payment account bound to the mobile terminal.
  • the mobile terminal When the mobile terminal monitors the broadcast message in the target data format, it can obtain the payment account bound to it.
  • the payment account bound to the mobile terminal is an account that the mobile terminal can perform payment deductions.
  • the payment account corresponding to the broadcast message among the payment accounts bound to the mobile terminal may be obtained.
  • the payment account bound to the mobile terminal is obtained with the broadcast message
  • the payment account of the payment application in the mobile terminal can be directly obtained.
  • the mobile terminal obtains the payment account of payment application A installed in the mobile terminal.
  • the embodiment of this application there may be payment accounts of multiple payment applications that support the payment information binding method provided in the embodiment of this application, and different payment applications correspond to different broadcast messages.
  • the difference may be that the type information of the corresponding payment application carried in different broadcast messages is different.
  • the mobile terminal can determine that the payment application corresponding to the broadcast message is A from the byte indicating the type of payment application in the broadcast message Still W. If it is A, the payment account of payment application A is obtained; if it is W, the payment account of payment application W is obtained.
  • the broadcast messages corresponding to different payment applications are different, or the specified data in the broadcast messages corresponding to different payment applications are different.
  • the mobile terminal When acquiring the payment account corresponding to the broadcast message in the payment account bound to the mobile terminal, if the mobile terminal is bound to multiple payment accounts of payment applications that can correspond to the broadcast message, obtain the monitored broadcast message The payment account of the payment application corresponding to the specified data.
  • Step S240 The mobile terminal sends the payment account and the device identification to the server.
  • the mobile terminal sends the acquired payment account and the device identification of the payment device in the broadcast message to the server, which is a payment server corresponding to the payment account.
  • the mobile terminal can encrypt the payment account number and send it to the server.
  • the payment account number sent to the server is a string of character strings encrypted using RSA asymmetric encryption technology to enhance security.
  • the device identification of the payment device can also be encrypted and sent to the server.
  • the payment account and device identification sent by the mobile terminal may also be unencrypted, which is not limited in the embodiment of the present application.
  • Step S250 The server binds the payment account and the device identifier, and is used to verify whether the biometric information obtained from the payment device corresponds to the payment account.
  • the server binds the payment account and the device identification received from the mobile terminal, and can specifically store the payment account and the device identification correspondingly.
  • the server can verify whether the biometric information obtained from the payment device corresponds to the payment account through the bound payment account and device identification.
  • the payment machine collects the user's biometric information through the corresponding biometric information collection device, such as collecting the user's face image through the image collection device ; Collect user's fingerprint information, etc. through fingerprint collection equipment.
  • the payment device sends its own device identification and the collected biometric information to the server.
  • the payment machine can use the collected original information as the biometric information sent to the server, such as sending the collected face image to the server, and sending the collected fingerprint image to the server; the payment machine can also send the collected After the original information is processed, it is used as the biometric information sent to the server, such as encoding the collected face image and sending it to the server, and encoding the collected fingerprint image and sending it to the server.
  • the server When the server receives the biometric information and the device identification sent by the payment machine, it performs verification according to the payment account number and the device identification sent by the mobile terminal. Wherein, the server receives the biometric information and the device identification sent by the payment machine, and when determining that the payment account and the biometric information corresponding to the matching device identifications match each other, the payment account is deducted. That is, the server can determine that the device ID sent by the payment device matches the device ID sent by the mobile payment, and the biometric information sent by the payment device matches the payment account number sent by the mobile terminal, and can determine that the biometric information sent by the payment device is legal. Payment verification.
  • the server may search for the device identification that matches the device identification sent by the payment machine among the device identifications sent by the mobile terminal.
  • the matching may be that the device identifiers are the same, or some parts of the device identifiers are the same, which is not limited in the embodiment of the present application.
  • the server may pre-store biometric information matching different payment accounts, and the biometric information matching the payment account represents the biometric information of the legal user of the payment account.
  • the payment verification of the biometric information sent by the payment machine is passed.
  • the server can deduct the payment account that matches the biometric information.
  • the specific deduction amount can be sent by the payment machine.
  • the payment device sends the deduction amount at the same time as the device identification and biometric information. It can also be that when the biometric information sent by the payment device passes payment verification, the server returns a verified feedback message to the payment device and receives The payment device that passes the verified feedback message sends the deduction amount to the server, and the server deducts the payment.
  • the server sends the payment account and device identification to the mobile terminal.
  • Temporary storage Specifically, the server stores the payment account and device identification binding information sent by the mobile terminal for a preset period of time and then deletes it, so that the payment account and device identification sent to the server are no longer bound after the preset period of time and cannot be used. For payment verification.
  • the payment device can send a broadcast message that meets the target data format.
  • the mobile terminal enters the radiation range of the broadcast message of the payment device, it can listen to the broadcast message meeting the target data format, and obtain the device identification of the payment device from the broadcast message.
  • the mobile terminal sends the device identification of the payment device and the payment account bound to the server to the server, and the server binds the device identification and payment account. Therefore, when the server receives the biometric information sent by the payment machine, if the biometric information corresponds to the payment account sent by the mobile terminal within the radiation range of the payment machine’s broadcast message, the biometric information is verified through the payment account.
  • the biometric information and the device identification of the payment device sending the biometric information are jointly verified to improve the security when using the biometric information to make payments through the payment device.
  • the embodiment of the present application also provides a payment information binding method, which is applied to a payment information binding system. Specifically, please refer to Figure 6, the method includes:
  • Step S310 The payment device sends a broadcast message meeting the target data format at a preset frequency, and the broadcast message includes the device identification of the payment device.
  • Step S320 The mobile terminal judges whether the monitoring condition is met. If yes, perform step S330; if not, perform step S320.
  • the monitoring of the broadcast message can be performed only when it is determined that the mobile terminal meets the monitoring condition.
  • the monitoring condition may be that the mobile terminal is in a motion state
  • determining whether the mobile terminal meets the monitoring condition may be determining whether the mobile terminal is in a motion state.
  • the movement state of the mobile terminal can be detected by a built-in sensor for detecting the movement state of the mobile terminal, such as an accelerometer, a gyroscope, a magnetometer, and other attitude sensors.
  • the monitoring condition may be that the mobile terminal is installed with the application corresponding to the payment account, and judging whether the mobile terminal meets the monitoring condition may be judging whether the mobile terminal is installed corresponding to the payment account. application. For example, when the mobile terminal receives a broadcast message that meets the target data format and obtains the payment account of the payment application A, it is determined whether the mobile terminal has the payment application A installed.
  • the monitoring condition may be enabling network data
  • determining whether the mobile terminal meets the monitoring condition may be determining whether the mobile terminal enables network data, that is, determining whether the mobile terminal is connected to the network.
  • the network data may include mobile data networks and wireless local area networks.
  • the above-mentioned multiple implementation manners may be used as implementation manners for determining whether the mobile terminal meets the interception condition at the same time, and some of the implementation manners may also be used as implementation manners for determining whether the mobile terminal meets the interception condition.
  • the mobile terminal can determine whether the monitoring condition is met at a certain frequency, and after determining that the monitoring condition is satisfied, it can continue to determine whether the monitoring condition is satisfied. When the mobile terminal determines that the monitoring condition is not met, if the mobile terminal is in the monitoring state, the monitoring is stopped.
  • the frequency of determining whether the monitoring condition is met may be lower, which is lower than the frequency of determining whether the monitoring condition is met when the mobile terminal is not turned on.
  • step S310 and step S320 are executed by different terminal devices, and their executions do not affect each other.
  • Step S330 The mobile terminal monitors the broadcast message.
  • Step S340 When the mobile terminal monitors the broadcast message that meets the target data format, obtain the device identification of the payment device from the broadcast message.
  • the mobile terminal When the monitoring condition is met, the mobile terminal starts monitoring the broadcast message, so that the broadcast message sent by the payment device can be monitored.
  • the mobile terminal monitors a broadcast message that meets the target data format, it can determine that it has received the broadcast message sent by the payment device, so that the device identification of the payment device can be obtained from the broadcast message.
  • the power consumption of the mobile terminal can be saved by controlling the monitoring frequency of broadcast messages.
  • the specific monitoring frequency is not limited in the embodiments of the present application, such as monitoring once in two minutes, monitoring once in five minutes, and monitoring in ten minutes. Wait once.
  • the monitoring frequency is reduced. If the broadcast message that includes the same device ID is monitored within the preset number of consecutive times, or the broadcast message that has been monitored for a certain number of device IDs within the consecutive preset number of times, the monitoring frequency will be reduced; if The device identification included in the monitored broadcast message continues to be one or a few, and the monitoring frequency is continued to be reduced until the minimum monitoring frequency is set.
  • the monitoring frequency is changed from the original Change every 2 minutes to every 5 minutes.
  • the frequency reduction can be sequentially reduced at various preset frequency levels, or reduced according to the set steps.
  • Step S350 The mobile terminal judges whether the same device identification monitored within a preset time period is stored in the mobile terminal. If the mobile terminal does not store the same device identifier monitored within the preset time range, the device identifier and the time stamp corresponding to the device identifier are stored, where the time stamp represents the time when the device identifier is monitored, execute Step S360: If the same device identifier is monitored within the preset time range stored in the mobile terminal, the broadcast message monitored this time and the acquired device identifier are discarded, and the step S340 is performed.
  • Step S360 The mobile terminal obtains the payment account bound to the mobile terminal.
  • the mobile terminal After acquiring the device identification in the broadcast message, the mobile terminal can determine whether the same device identification stored within the preset time range is stored. For example, if the preset time range is 10 minutes, it can be determined whether the same device identification has been stored within ten minutes. If yes, it means that the broadcast message sent by the same payment device has been received within the preset time range, and the payment account has been obtained according to the broadcast message. In order to reduce the power consumption of the mobile terminal and the frequency of data processing, the broadcast message and the acquired device identification can be discarded this time, and the broadcast message can be monitored. After listening to the broadcast message meeting the target data format, Obtain the device identification of the payment device from the broadcast message. Through such a caching mechanism, the frequency of obtaining payment accounts is reduced, system load is saved, and meaningless data is obtained and reported.
  • the device identification can be stored corresponding to the acquisition time of the device identification, and the payment account bound to the mobile terminal is obtained, and the payment account and the device identification Send to the server for storage.
  • the mobile terminal monitors the broadcast message meeting the target data format for the first time after the monitoring is turned on, it obtains the device identification of the payment device in the broadcast message, and records a time stamp for the device identification. Store the device identification and the corresponding timestamp, and obtain the payment account bound to the mobile terminal.
  • the mobile terminal receives the broadcast message again within the preset time range and obtains the same device identifier from the broadcast message, since the mobile terminal stores the device identifier obtained within the preset time range, the currently obtained broadcast message And the extracted device identification is discarded, and the payment account is no longer obtained.
  • the mobile terminal When the mobile terminal again listens to a broadcast message that includes the same device identifier outside the preset time range, since the time of the currently acquired device identifier is relative to the previously stored time stamp of the same device identifier, the length of the difference is greater than the preset time Time range, the device identification obtained this time is stored and the timestamp is stored correspondingly.
  • the newly stored device ID can overwrite the same device ID and the corresponding time stamp stored last time, reducing storage space occupation.
  • the newly stored device identifier may also be stored at a different storage location from the same device identifier stored previously, so that the monitoring status of the broadcast message during the monitoring process can be learned.
  • the timestamp may be the time when the device identifier is monitored, that is, the time when the broadcast message is monitored; the timestamp may also be the time when the device identifier is obtained from the broadcast message.
  • Step S370 The mobile terminal sends the payment account and the device identification to the server.
  • the SDK of the payment application, the payment service unit, and the communication unit for receiving broadcast messages can be integrated in the mobile terminal.
  • the mobile terminal receives broadcast messages through the communication unit, such as receiving a beacon signal through a Bluetooth module.
  • the communication unit sends the received broadcast message to the payment service unit in the mobile terminal.
  • the payment service unit analyzes the broadcast message, determines whether the broadcast message is a broadcast message that meets the target data format, and obtains the device identification and other information of the payment device from the broadcast message.
  • the SDK of the payment application and the payment service unit communicate via broadcast to reduce coupling and security risks.
  • the payment service unit transmits the information obtained from the broadcast message to the SDK of the payment application by broadcasting in the mobile terminal to complete the payment application. Reporting of the SDK.
  • the SDK of the payment application receives the device identification and other information transmitted by the payment service unit, obtains the login or bound payment account of the payment application from the payment application, and uploads the payment account and device identification to the server.
  • the server can be A payment server corresponding to a payment application that can only be accessed by the vendor to which the payment application belongs.
  • the SDK of the integrated payment application may be a common built-in application of the mobile terminal instead of a system application, so as to avoid the security risk of the mobile terminal caused by the payment application acquiring the permissions of the system user.
  • Step S380 The server binds the payment account and the device identification, and is used to verify whether the biometric information obtained from the payment device corresponds to the payment account.
  • the mobile terminal monitors the broadcast message only when the monitoring condition is met, and the interval is greater than the time length corresponding to the preset time range, and the payment account is obtained once, thereby reducing the frequency of data processing on the mobile terminal. While improving payment security, generate the lowest possible power consumption.
  • the embodiment of the present application also provides a payment information binding device 400, which is applied to a mobile terminal.
  • the device includes: a data processing module 410, which is used to obtain the device identification of the payment device from the broadcast message when a broadcast message meeting the target data format is monitored; and an account obtaining module 420, which is used to obtain the mobile A payment account bound to the terminal; a sending module 430, used to send the payment account and the device identification to the server, to instruct the server to bind the payment account and the device identification to the payment account
  • the biometric information obtained by the machine performs payment verification whether it corresponds to the payment account.
  • the data processing module 410 may include: a judging unit for judging whether the monitored broadcast message satisfies the target data format; and a data acquiring unit for, if the judging unit judges yes, it is used for acquiring the broadcast message.
  • the data in the byte storing the equipment identification of the payment machine is used as the equipment identification of the payment machine.
  • the judging unit may be used to judge whether the data in the preset bytes in the broadcast message is designated data.
  • the account obtaining module 420 may be configured to obtain a payment account corresponding to the broadcast message among the payment accounts bound to the mobile terminal. Wherein, if the mobile terminal is bound to a payment account corresponding to a payment application that can broadcast messages, obtain the payment account of the payment application;
  • the payment account corresponding to the broadcast message is determined according to the byte indicating the type of payment application in the monitored broadcast message.
  • the embodiment of the present application may further include a monitoring module, which is used to determine whether the mobile terminal meets the monitoring condition; if so, perform monitoring of the broadcast message.
  • a monitoring module which is used to determine whether the mobile terminal meets the monitoring condition; if so, perform monitoring of the broadcast message.
  • the monitoring module determining whether the mobile terminal meets the monitoring conditions may include: determining whether the mobile terminal is in a motion state; or determining whether the mobile terminal has installed the payment application corresponding to the payment account; or determining whether the mobile terminal Whether to enable network data.
  • the embodiment of the present application may further include a data storage module, which is used to store the device identification and the corresponding device identification if the same device identification monitored within the preset time range is not stored in the mobile terminal.
  • a timestamp where the timestamp indicates the time that the device identifier is monitored; if the mobile terminal stores the same device identifier within the preset time range, the broadcast message monitored this time and the acquired Equipment Identity.
  • the coupling between the modules may be electrical, mechanical or other forms of coupling.
  • each functional module in each embodiment of the present application may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module.
  • the above-mentioned integrated modules can be implemented in the form of hardware or software functional modules.
  • FIG. 8 shows a structural block diagram of an electronic device 500 provided by an embodiment of the present application.
  • the electronic device 500 may be a mobile terminal capable of receiving broadcast messages and data processing, such as a mobile phone, a tablet computer, or an e-book.
  • it may be a mobile terminal 110 as shown in FIGS. 1 and 2.
  • the electronic device 500 may also be a payment device 120.
  • the electronic device includes a processor 510 and a memory 520, the memory is coupled to the processor, the memory stores instructions, and when the instructions are executed by the processor, the processor executes one or more of the above The method described in the embodiment.
  • the processor 510 may include one or more processing cores.
  • the processor 510 uses various interfaces and lines to connect various parts of the entire electronic device 500, and executes by running or executing instructions, programs, code sets, or instruction sets stored in the memory 520, and calling data stored in the memory 520.
  • the processor 510 may use at least one of digital signal processing (Digital Signal Processing, DSP), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA), and Programmable Logic Array (Programmable Logic Array, PLA).
  • DSP Digital Signal Processing
  • FPGA Field-Programmable Gate Array
  • PLA Programmable Logic Array
  • the processor 510 may integrate one or a combination of a central processing unit (CPU), a graphics processing unit (GPU), a modem, and the like.
  • the CPU mainly processes the operating system, user interface, and application programs; the GPU is used for rendering and drawing of display content; the modem is used for processing wireless communication. It can be understood that the above-mentioned modem may not be integrated into the processor 510, but may be implemented by a communication chip alone.
  • the memory 520 may include random access memory (RAM) or read-only memory (Read-Only Memory).
  • the memory 520 may be used to store instructions, programs, codes, code sets or instruction sets, such as instructions or code sets used to implement the payment information binding method provided in the embodiments of the present application.
  • the memory 520 may include a storage program area and a storage data area, where the storage program area may store instructions for implementing an operating system, instructions for implementing at least one function, instructions for implementing each of the foregoing method embodiments, and the like.
  • the storage data area can also be data created by the electronic device in use (such as phone book, audio and video data, chat record data), etc.
  • FIG. 9 shows a structural block diagram of a computer-readable storage medium provided by an embodiment of the present application.
  • the computer-readable storage medium 600 stores program code, and the program code can be invoked by a processor to execute the method described in the foregoing method embodiment.
  • the computer-readable storage medium 600 may be an electronic memory such as flash memory, EEPROM (Electrically Erasable Programmable Read Only Memory), EPROM, hard disk, or ROM.
  • the computer-readable storage medium 600 includes a non-transitory computer-readable storage medium.
  • the computer-readable storage medium 600 has a storage space for the program code 610 for executing any method steps in the above methods. These program codes can be read from or written into one or more computer program products.
  • the program code 610 may be compressed in an appropriate form, for example.

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Abstract

本申请公开了一种支付信息绑定方法、装置、移动终端及系统，涉及支付技术领域。其中，该方法包括：当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；获取所述移动终端绑定的支付帐号；将所述支付帐号以及所述设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证，提高支付的安全性。

Description

支付信息绑定方法、装置、移动终端及系统
本申请要求于2019年2月01日提交的申请号为201910105372.3的中国专利申请的优先权，在此通过引用将其全部内容并入本文。
技术领域
本申请涉及电子支付技术领域，更具体地，涉及一种支付信息绑定方法、装置、移动终端及系统。
背景技术
在当前社会，支付是一种高频、高密度、高流量的行为。为了简化用户在支付环节花费的时间，出现了多种不依赖于现金支付的电子支付方式。但是这些支付方式都存在一定的安全隐患。
发明内容
鉴于上述问题，本申请提出了一种支付信息绑定方法、装置、移动终端及系统，以改善上述问题。
第一方面，本申请实施例提供了一种支付信息绑定方法，应用于移动终端，所述方法包括：当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；获取所述移动终端绑定的支付帐号；将所述支付帐号以及所述设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，用于对支付帐号对应的生物特征信息进行支付验证。
第二方面，本申请实施例提供了一种支付信息绑定方法，应用于支付信息绑定系统，所述系统包括移动终端，支付机具以及服务器，所述移动终端以及所述支付机具分别与所述服务器网络连接，所述方法包括：所述支付机具按照预设频率发送满足目标数据格式的广播消息，该广播消息中包括所述支付机具的设备标识；当移动终端监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；所述移动终端获取所述移动终端绑定的支付帐号；所述移动终端将所述支付帐号以及所述设备标识发送到服务器；所述服务器将所述支付帐号以及所述设备标识绑定，用于对支付帐号对应的生物特征信息进行支付验证。
第三方面，本申请实施例提供了一种支付信息绑定装置，应用于移动终端，所述装置包括：数据处理模块，用于当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；帐号获取模块，用于获取所述移动终端绑定的支付帐号；发送模 块，用于将所述支付帐号以及所述设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，用于对支付帐号对应的生物特征信息进行支付验证。
第四方面，本申请实施例提供了一种移动终端，包括存储器以及处理器，所述存储器耦接到所述处理器，所述存储器存储指令，当所述指令由所述处理器执行时，所述处理器执行上述应用于移动终端的方法。
第五方面，本申请实施例提供了一种计算机可读取存储介质，所述计算机可读取存储介质中存储有程序代码，所述程序代码可被处理器调用执行上述应用于移动终端的方法。
第六方面，本申请实施例提供了一种支付信息绑定系统，包括移动终端，支付机具以及服务器，所述移动终端以及所述支付机具分别与所述服务器网络连接，其中，所述支付机具用于按照预设频率发送满足目标数据格式的广播消息，该广播消息中包括所述支付机具的设备标识；移动终端用于监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；所述移动终端用于获取所述移动终端绑定的支付帐号；所述移动终端用于将所述支付帐号以及所述设备标识发送到服务器；所述服务器用于将所述支付帐号以及所述设备标识绑定，用于对支付帐号对应的生物特征信息进行支付验证。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例描述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申请的一些实施例，对于本领域技术人员来讲，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。
图1示出了本申请实施例提供的支付信息绑定系统的一种交互示意图。
图2示出了本申请实施例提供的支付信息绑定系统的另一种交互示意图。
图3示出了本申请一实施例提供的支付信息绑定方法的流程图。
图4示出了本申请另一实施例提供的支付信息绑定方法的流程图。
图5示出了本申请另一实施例提供的支付信息绑定方法的时序状态图。
图6示出了本申请又一实施例提供的支付信息绑定方法的流程图。
图7示出了本申请实施例提供的支付信息绑定装置的功能模块图。
图8示出了本申请实施例提供的电子设备的结构框图。
图9是本申请实施例的用于保存或者携带实现根据本申请实施例的支付信息绑定方法的程序代码的存储介质。
具体实施方式
为了使本技术领域的人员更好地理解本申请方案，下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述。
随着互联网技术的发展，不需要依赖于现金的电子支付越来越成为人们青睐的支付方 式。通常，电子支付时，需要用户拿出用于支付的电子产品进行支付操作，如拿出手机并调出支付二维码进行扫描，拿出手机进入扫码界面扫描商店收款二维码，拿出银行卡给收银员通过刷卡机刷卡等。在这些电子支付过程中，用户需要拿出用于支付的电子产品并进行相应的操作，整个支付过程比较耗时。
为了提高支付速度，缩短支付时间，可以通过用户的生物特征信息进行支付，如通过用户的人脸、指纹、掌纹以及虹膜等可以对用户身份进行唯一标识的生物特征信息。用户在支付时，可以直接在商家提供的生物特征采集设备提供对应的生物特征信息，如通过人脸支付时，用户在人脸采集设备前提供脸部供人脸采集设备采集，不需要用户额外拿出手机等用于支付的设备，支付速度更快，操作更简单。
但是，通过生物特征信息进行支付时具有一定的安全隐患。一方面，虽然生物特征信息可以对用户身份进行唯一标识，但是也有极小几率识别出错，如将一个用户的生物特征信息识别为另一个用户的生物特征信息；另一方面，可能有不法分子通过仿真模仿其他用户的生物特征信息，假冒其他用户进行支付。
根据用户对移动终端的使用特点以及线下购物特点，发明人发现，若在确定用户进入到支付机具附近的情况下，接收到该用户通过该支付机具提供生物特征信息进行扣款，可以进一步确定为用户本人提供的身份特征信息，从而进一步保证支付的安全性。因此，发明人对通过用户的生物特征信息进行支付的流程进行了仔细研究。
发明人发现，通过生物特征信息进行支付的情况下，通常是生物特征信息对应有支付帐号。当获取到用户的生物特征信息，匹配该生物特征信息对应的支付帐号，从匹配到的支付帐号进行扣款。生物特征信息匹配的支付帐号可以是移动终端中绑定的支付帐号，如移动终端中某支付应用程序的帐号等。而用户在线下购物时，通常会携带绑定有支付帐号的移动终端。因此，在确定绑定支付帐号的移动终端位于到支付机具的附近的情况下，接收用户通过支付机具进行付款，可以进一步保证该付款的安全性。
因此，发明人提出了本申请实施例提供的支付信息绑定方法、装置、移动终端及系统，通过支付机具进行携带自身设备标识的广播消息的广播，位于支付机具附近的移动终端可以接收到该广播消息。移动终端从接收到的广播消息中获取支付机具的设备标识，并将该设备标识与自身的绑定的支付帐号发送到服务器进行绑定，从而实现将支付机具附近的用户的支付帐号与支付机具进行绑定。用户在使用生物特征信息通过支付机具进行支付时，服务器可以验证该生物特征信息对应的支付帐号是否与该支付机具绑定，实现支付帐号对应的移动终端是否在支付机具附近的验证，支付帐号对应的用户是否在支付机具附近的验证，双重验证，提高支付的安全性。
该支付信息绑定方法、装置及移动终端可以用于如图1所示的支付信息绑定系统100。请参见图1，该支付信息绑定系统包括移动终端110，支付机具120以及服务器130，移动终端110以及所述支付机具120分别与所述服务器130网络连接。其中，支付机具120与所述服务器130之间可以是有线或者无线连接，所述移动终端110与所述服务器130之间 可以是无线连接，如2G、3G、4G等移动网络数据连接或者wifi连接。
该移动终端110可以是手机、平板电脑以及其他可以进行移动电子支付的智能设备，在该移动终端中存储有用户预先绑定的支付帐号。该支付机具120可以是具有收款功能并能进行消息广播的智能设备，如超市内的收银机器，可以用于采集用户的生物特征信息并传输给服务器130，而服务器130用于根据接收到的生物特征信息完成支付操作。在该支付信息处理系统中，支付机具120可以持续性地发送广播消息，当移动终端110位于支付机具120附近，进入到支付机具广播消息的辐射范围内时，可以接收到支付机具发送的广播消息。
具体的，在系统运行过程中，支付机具120可以以设定的无线通信模式发送广播消息，其中，图1中支付机具120周围的虚线圈表征支付机具所发送的广播消息的覆盖范围。可选的，该无线通信模式包括蓝牙BLE模式或者Wi-Fi Aware模式。相应的，移动终端110可以以设定的无线通信模式搜索附近的无线信号，从而当移动终端110进入到图1中所示的虚线圈范围内时，就可以接受到支付机具120发送的广播消息。
作为一种方式，在移动终端110可以接收到支付机具120发送的广播消息后，移动终端110可以与支付机具120基于当前所采用的无线通信模式建立无线连接，进而在建立无线连接以后，移动终端110可以从支付机具存储的数据中获取到唯一性标识支付机具的设备标识。而作为另外一种方式，为了便于降低移动终端110的功耗，支付机具120可以在自己发送的广播消息中携带自己的设备标识，从而使得移动终端110在接收到支付机具120发送的广播消息后，可以从广播消息中获取到发送该广播消息的支付机具120的设备标识。
可选的，移动终端110在获取到支付机具120的设备标识以后，可以通过移动通信网络的基站140以及网关150将所获取的设备标识以及自己存储的支付帐号发送到服务器130。再者，移动终端110也可以通过无线热点160将获取的设备标识以及自己存储的支付帐号发送到服务器130。而当服务器130接收到移动终端110发送的设备标识以及支付帐号后，就会将该设备标识以及支付帐号进行绑定，从而表征支付帐号的所属用户在该设备标识所属支付机具的附近。进而，当支付机具120在支付过程中，将采集的生物特征信息发送到服务器130后，服务器130可以在验证生物特征信息对应的支付帐号与该支付机具的设备标识绑定的情况下，完成该支付帐号的支付操作。
如图2所示，因为移动终端110可以通过支付机具120所发送的广播消息而获取到支付机具120的设备标识，从而使得不需要用户对移动终端进行操作(例如，图中移动终端可以一直被放置在裤兜里)，移动终端110就可以完成支付帐号与支付机具120的设备标识的绑定操作。而在支付过程中，用户只需要在支付机具120处采集生物特征信息后，支付机具120就可以将采集的生物特征信息发送到服务器130完成支付，进而也不需要用户操作移动终端，从而使得整个过程中，用户不需要手动进行支付操作。
基于上面介绍的系统以及系统运行流程，下面将通过具体实施例对本申请实施例提供 的支付信息绑定方法、装置、移动终端及系统进行详细说明。
图3示出了本申请实施例提供的支付信息绑定方法，应用于移动终端。具体的，如图3所示，该方法可以包括：
步骤S110：当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识。
移动终端可以对其他设备发送的广播消息进行监听。当移动终端进入到发送广播消息的支付机具的辐射范围内时，可以监听到该支付机具发送的广播消息。具体的，支付机具发送的广播消息可以是满足目标数据格式的广播消息，从而当移动终端监听到满足目标数据格式的广播消息时，可以确定监听到支付机具的广播消息，可以从该广播消息中获取支付机具的设备标识。其中，该设备标识表示支付机具的身份信息。
步骤S120：获取所述移动终端绑定的支付帐号。
当监听到满足目标数据格式的广播消息，移动终端可以获取绑定的支付帐号。该支付帐号可以是移动终端中支付应用程序绑定的支付帐号，为支付账户的帐号，对该支付帐号扣款，则可以从该支付帐号对应的支付账户内扣款。
步骤S130：将所述支付帐号以及所述设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
移动终端将支付帐号以及获取到的支付机具的设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，表示该支付帐号对应的移动终端在该设备标识对应的支付机具的广播辐射范围内，表示该移动终端与该支付机具相距不远。当通过从该支付机具获取的生物特征信息进行是否对应该支付帐号的支付验证时，可以更确定进行该生物特征信息为该支付帐号对应的用户本人提供，提高支付的安全性。
本申请实施例还提供了一种支付信息绑定方法，应用于支付信息绑定系统。具体的，如图4及图5所示，该支付信息绑定方法包括：
步骤S210：所述支付机具按照预设频率发送满足目标数据格式的广播消息，该广播消息中包括所述支付机具的设备标识。
支付机具可以不断发出广播消息，以使进入该支付机具广播消息辐射范围内的移动终端可以接收到该广播消息并作出响应。支付机具发送的广播消息时的功率大小以及当前环境，都会影响接收的范围。通常当移动终端进入支付机具5米至10米范围时，会接收到支付机具发送的广播消息。
其中，支付机具可以是以预设频率发送广播消息，该预设频率的具体值在本申请实施例中并不限定，可以使任意进入该支付机具的辐射范围内的移动终端快速响应为宜。
在本申请实施例中，支付机具发送的可以是低功耗无连接方式的广播消息，如通过低功耗蓝牙通信(BLE，BluetoothLowEnergy)发送的beacon信号，该Beacon信号的广播格式可以是iBeacon，AltBeacon或者EddyStone等；如通过WiFi Aware发出的广播消息等。
另外，支付机具发送的可以是满足目标数据格式的广播消息，以使移动终端可以正确识别到该广播消息。其中，目标数据格式可以是，广播消息中预设字节中的数据为指定数据。该指定数据可以为预先设置的、对支付机具以及移动终端均为可知的数据，从而可以在识别到指定数据时判定该广播消息满足目标数据格式。例如，指定数据为表示合法的支付应用程序身份的数据，当识别到广播消息中预设字节中的数据为该合法的支付应用程序身份的数据时，判定该广播消息满足目标数据格式。又如，指定数据为任意数据排列，但是该数据排列为支付机具以及移动终端共同所知。
作为一种实施方式，该预设字节可以为预先设置的、对支付机具以及移动终端均为可知的，在广播消息中的某一字节段。例如，发送的beacon信号包含31个字节数据，设置该beacon信号中UUID数据的某一个或多个指定字节用作预设字节，该预设字节中存储指定数据，直接在该预设字节中即可获得指定数据。
作为另一种实施方式，可以从预先设置的、对支付机具以及移动终端均为可知的指定字节中存放预设字节的位置。例如，对于支付机具以及移动终端均可知，在广播消息中的a字节存放指定数据的所在字节，则若广播消息中a字节所存放的数据为b，则可以从a字节获取到数据b，再从广播消息的b字节中获取到指定数据。又如，发送的beacon信号包含31个字节数据，设置该beacon信号中UUID数据包括Data数据以及Mask数据，Data数据中可以包括有机具的设备标识、机具的厂商信息、机具对应的支付应用程序的身份数据、指定数据等，如Data数据的可以是“0324616C64570247962587864326561612436A0100020003”；Mask数据可以通过指定的字节标识Data里的哪些数据可以用来过滤蓝牙广播数据，即指定的字节标识Data数据里哪些字节为指定数据。例如Mask数据可以是0000FFFFFFFFFFFFFFFFFFFFFFFFFFFF0000000000000，前4个F所在字节为标识指定数据位置的字节，则只有Mask里前4个F对应的FFFF对应的Data数据，才能过滤蓝牙广播，即Data数据里前4个F对应的FFFF字节存储的数据为指定数据，只有收到Mask里该FFFF字节对应的数据为指定数据，才认为接收到了满足目标数据格式的广播消息。
另外，在支付机具发送的广播消息中，具有用于存放支付机具设备标识的字节，支付机具可以在该字节中添加自身的设备标识。其中，具体哪些字节用于存放机具的设备标识在本申请实施例中并不限定。
作为一种实施方式，可以以预先设置的、对支付机具以及移动终端均为可知的字节存放机具的设备标识。
作为另一种实施方式，可以在预先设置的、对支付机具以及移动终端均为可知的指定的字节中，存放用于存放机具的设备标识的字节位置。例如，在广播消息中的A字节存放用于存放机具的设备标识所在位置，则若广播消息中A字节所存放的数据为B，则在广播消息的B字节中的数据为机具的设备标识。
作为又一种实施方式，也可以将支付机具的设备标识与指定数据顺序存放，则从广播 消息中确定指定数据所在位置，则可以确定支付机具的设备标识在广播消息中的位置；或者是，从广播消息中确定支付机具的设备标识所在位置，则可以确定指定数据在广播消息中的位置。
另外，在广播消息中还可以包括其他信息，机具的设备标识、机具的厂商信息、机具对应的支付应用程序的身份数据等，其他信息在广播消息中的存放方式可以参见前述指定数据的存放方式以及支付机具设备标识的存放方式，在此不再赘述。
在本申请实施例中，广播消息中各种信息可以是加密的，也可以是不加密的，在本申请实施例中并不限定。
步骤S220：当移动终端监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识。
移动终端可以开启对广播消息的监听，具体监听方式可以根据支付机具进行广播消息发送的方式确定。例如，若支付机具通过低功耗蓝牙通信发送广播消息，则移动终端可以通过蓝牙模块采用低功耗蓝牙通信的方式接收机具发送的广播消息，若支付机具通过WiFi Aware的方式发出广播消息，移动终端可以通过对应WiFi Aware的方式进行广播消息的接收。
当监听到广播消息时，可以判断该广播消息是否满足目标数据格式。具体判断广播消息是否满足目标数据格式的方式可以是判断所述广播消息中预设字节中的数据是否为指定数据。若判定接收到的广播消息是满足目标数据格式的广播消息，则可以从该广播消息中获取支付机具的设备标识。具体可以获取所述广播消息中用于存放支付机具设备标识的字节中的数据，作为所述支付机具的设备标识。
若移动终端判定接收到的广播消息不是满足目标数据格式的广播消息，则将该广播消息丢弃，继续监听广播消息。
步骤S230：所述移动终端获取所述移动终端绑定的支付帐号。
移动终端在监听到足目标数据格式的广播消息的情况下，可以获取自身所绑定的支付帐号。其中，移动终端绑定的支付帐号为移动终端可以进行支付扣款的帐号。
本申请实施例中，在获取所述移动终端绑定的支付帐号时，可以获取所述移动终端绑定的支付帐号中与所述广播消息对应的支付帐号。
可选的，若本申请实施例在实施时，只有一种支付应用程序的支付帐号支持本申请实施例提供的支付信息绑定方法，则获取移动终端绑定的支付帐号中与所述广播消息对应的支付帐号时，可以直接获取移动终端中该支付应用程序的支付帐号。例如，只有支付应用程序A支持本申请实施例提供的支付信息绑定方法，则移动终端获取安装于该移动终端中的支付应用程序A的支付帐号。
可选的，若本申请实施例在实施时，可能有多种支付应用程序的支付帐号支持本申请实施例提供的支付信息绑定方法，不同支付应用程序对应的广播消息不同。其中，该不同可以是，不同广播消息中携带对应的支付应用程序的种类信息不同。则获取所述移动终端 绑定的支付帐号中与所述广播消息对应的支付帐号时，若移动终端绑定了多种可对应广播消息的支付应用程序的支付帐号，根据监听到的所述广播消息中表示支付应用程序种类的字节确定所述广播消息对应的支付帐号。例如，支付应用程序A以及支付应用程序W分别支持响应广播消息进行支付信息绑定，则移动终端可以从广播消息中表示支付应用程序种类的字节确定该广播消息所对应的支付应用程序为A还是W。若为A，则获取支付应用程序A的支付帐号；若为W，则获取支付应用程序W的支付帐号。
可选的，不同支付应用程序对应的广播消息不同，也可以是不同的支付应用程序所对应的广播消息中，指定数据不同。则获取所述移动终端绑定的支付帐号中与所述广播消息对应的支付帐号时，若移动终端绑定了多种可对应广播消息的支付应用程序的支付帐号，获取监听到的广播消息中指定数据所对应的支付应用程序的支付帐号。
步骤S240：所述移动终端将所述支付帐号以及所述设备标识发送到服务器。
移动终端将获取的支付帐号以及广播消息中支付机具的设备标识发送到服务器，该服务器为支付帐号对应的支付服务器。
其中，移动终端可以将支付帐号加密和发送给服务器，如发送到服务器的支付帐号为一串使用RSA非对称加密技术加密后的字符串，增强安全性。另外，支付机具的设备标识也可以加密后发送到服务器。
当然，在本申请实施例中，移动终端发送的支付帐号以及设备标识也可以是不加密的，本申请实施例中并不限定。
步骤S250：所述服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
服务器将从移动终端接收到的支付帐号以及设备标识绑定，具体可以将该支付帐号以及设备标识对应存储。
服务器可以通过绑定的支付帐号以及设备标识，对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
具体的，当用户在支付机具进行支付时，可以在支付机具提供自身的生物特征信息，支付机具通过对应的生物特征信息采集设备采集用户的生物特征信息，如通过图像采集设备采集用户人脸图像；通过指纹采集设备采集用户的指纹信息等。支付机具将自身的设备标识以及采集到的生物特征信息发送到服务器。其中，支付机具可以将采集到的原始信息作为发送到服务器的生物特征信息，如将采集到的人脸图像发送到服务器，将采集到的指纹图像发送到服务器；支付机具也可以将采集到的原始信息处理后，作为发送到服务器的生物特征信息，如将采集到的人脸图像编码后发送到服务器，将采集到的指纹图像编码后发送到服务器。
服务器接收到支付机具发送的生物特征信息以及设备标识时，根据移动终端发送的支付账号以及设备标识进行验证。其中，服务器接收所述支付机具发送的生物特征信息以及设备标识，在判定相互匹配的设备标识分别对应的支付帐号以及生物特征信息相互匹配时， 对所述支付帐号进行扣款。即服务器可以在判定同时满足支付机具发送的设备标识与移动支付发送的设备标识匹配，支付机具发送的生物特征信息与移动终端发送的支付帐号匹配时，判定支付机具发送的生物特征信息合法，通过支付验证。
具体的，服务器可以查找移动终端发送的设备标识中，与支付机具发送的设备标识相匹配的设备标识。该匹配可以是设备标识相同，也可以是设备标识中某些部分相同，本申请实施例中并不限定。
再判断查找到的设备标识所对应的支付帐号与该支付机具发送的生物特征信息是否匹配。其中，服务器中可以预先存储有不同支付帐号匹配的生物特征信息，与支付帐号匹配的生物特征信息，表示该支付帐号的合法用户的生物特征信息。当判定查找到的设备标识所对应的支付帐号与该支付机具发送的生物特征信息匹配，则通过对支付机具发送的生物特征信息的支付验证。
对于通过支付验证的生物特征信息，服务器可以对该生物特征信息匹配的支付帐号进行扣款。具体扣款数额可以由支付机具发送。可选的，支付机具在发送设备标识以及生物特征信息的同时发送扣款数额，也可以是，当支付机具发送的生物特征信息通过支付验证，服务器向支付机具返回通过验证的反馈消息，接收到通过验证的反馈消息的支付机具，将扣款数额发送到服务器，由服务器进行扣款。
在本申请实施例中，为了验证的准确性，降低用户在离开支付机具的辐射范围较长时间后，仍然使该用户的生物特征信息通过支付验证，服务器对移动终端发送的支付帐号以及设备标识临时存储。具体的，服务器将移动终端发送的支付帐号以及设备标识的绑定信息存储预设时间长度后删除，以使发送到服务器的支付帐号以及设备标识在预设时间长度后不再绑定，不能用于支付验证。
本申请实施例中，支付机具可以发送满足目标数据格式的广播消息。移动终端进入到支付机具的广播消息辐射范围内是，可以监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识。移动终端将支付机具的设备标识以及自身绑定的支付帐号发送到服务器，由服务器对该设备标识以及支付帐号进行绑定。从而服务器在接收到支付机具发送的生物特征信息时，若该生物特征信息对应有该支付机具广播消息辐射范围内的移动终端发送的支付帐号，通过对该生物特征信息的支付验证，通过支付帐号、生物特征信息以及发送生物特征信息的支付机具的设备标识共同验证，提高在使用生物特征信息通过支付机具进行支付时的安全性。
本申请实施例还提供了一种支付信息绑定方法，应用于支付信息绑定系统。具体的，请参见图6，该方法包括：
步骤S310：所述支付机具按照预设频率发送满足目标数据格式的广播消息，该广播消息中包括所述支付机具的设备标识。
步骤S320：移动终端判断是否满足监听条件。若是，执行步骤S330；若否，执行步骤S320。
若移动终端一直处于广播消息的监听状态，会产生一些不必要的功耗。为了节省功耗，可以在判定移动终端满足监听条件的情况下才进行广播消息的监听。
由于携带移动终端的用户有通过支付机具进行支付的需求时，通常用户是处于运动状态的。因此，作为一种实施方式，监听条件可以是移动终端处于运动状态，判断所述移动终端是否满足监听条件可以是，判断所述移动终端是否处于运动状态。其中，可以通过移动终端内置的检测运动状态的传感器对移动终端的运动状态进行检测，如通过加速度计、陀螺仪、磁力计等姿态传感器。
若移动终端未安装有相应的支付应用程序，则无法获得该移动终端绑定的用于进行支付验证的支付帐号，即使监听都满足目标数据格式的广播消息，也无法通过本申请实施例提供的方法进行支付信息绑定。因此，作为一种实施方式，监听条件可以是移动终端安装有所述支付帐号对应的应用程序，判断所述移动终端是否满足监听条件可以是，判断所述移动终端是否安装所述支付帐号对应的应用程序。例如，移动终端在接收到满足目标数据格式的广播消息时，获取的是支付应用程序A的支付帐号，则判定移动终端是否安装有支付应用程序A。另外，在该实施方式中，还可以进一步判断该支付应用程序A是否由用户登录，若由用户登录，则满足监听条件；或者说是否保存有用户的支付帐号，若保存有用户的支付帐号，则满足监听条件。
另外，若移动终端未开启网络数据，无法与服务器进行网络连接，则移动终端无法将获取到的设备标识以及支付帐号发送到服务器，此时，即使移动终端获取到满足目标数据格式的广播消息也无法进行支付信息绑定。因此，作为一种实施方式，监听条件可以是开启网络数据，判断所述移动终端是否满足监听条件可以是，判断所述移动终端是否开启网络数据，即判断移动终端是否连接网络。其中，该网络数据可以包括移动数据网络以及无线局域网。
在本申请实施例中，上述多种实施方式可以同时作为判断所述移动终端是否满足监听条件的实施方式，也可以以其中部分实施方式作为判断所述移动终端是否满足监听条件的实施方式。当判断所述移动终端是否满足监听条件的实施方式不止一种时，可以是若其中任意一种实施方式的判断结果为否，判定移动终端不满足监听条件。
另外，在本申请实施例中，移动终端判断是否满足监听条件可以以一定的频率进行，并且，在判定满足监听条件后，也可以继续判断是否满足监听条件。当移动终端判定不满足监听条件时，若移动终端处于监听状态，则停止监听。
可选的，为了防止出现移动终端在监听过程中偶尔出现的不满足监听条件而停止监听，例如，为了防止用户携带移动终端在超市购物时，由于暂时不动而停止监听，在移动终端进行监听过程中，判断是否满足监听条件的频率可以较低，低于在移动终端未开启监听时，对是否满足监听条件的判断频率。
可以理解的，步骤S310以及步骤S320由不同的终端设备执行，彼此之间的执行并不彼此影响。
步骤S330：移动终端进行广播消息的监听。
步骤S340：当移动终端监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识。
在满足监听条件时，移动终端开启对广播消息的监听，从而可以监听到支付机具发出的广播消息。当移动终端监听到满足目标数据格式的广播消息，可以判定接收到支付机具发送的广播消息，从而可以从该广播消息中获取到支付机具的设备标识。
在本申请实施例中，可以通过控制对广播消息的监听频率节省移动终端的功耗，具体监听频率在本申请实施例中并不限定，如两分钟监听一次、五分钟监听一次、十分钟监听一次等。
另外，可选的，若在连续预设次数内监听到的是包括相同的设备标识的广播消息，将监听频率降低。若在连续预设次数内监听到的是包括一个相同的设备标识的广播消息，或者是在连续预设次数内监听到的都为某几个设备标识的广播消息，则将监听频率降低；若监听到的广播消息包括的设备标识继续保持为某一个或某几个，则继续降低监听频率，直到降低到设置的最低的监听频率。如连续预设次数监听到的都为包括设备标识m的广播消息，或者连续预设次数内监听到的都分别为包括设备标识m和包括设备标识n的广播消息，则将监听频率由原来的2分钟一次改为五分钟一次。其中，频率的降低可以以各个预设的频率等级依次降低，或者根据设置的阶梯进行降低。
步骤S350：移动终端判断所述移动终端内是否存储有预设时长范围内监听到的相同的设备标识。若所述移动终端内未存储有预设时长范围内监听到的相同的设备标识，存储该设备标识以及该设备标识对应的时间戳，其中，该时间戳表示该设备标识监听到的时间，执行步骤S360；若所述移动终端内存储有预设时长范围内监听到相同的该设备标识，丢弃本次监听到的广播消息及获取到的设备标识，执行所述步骤S340。
步骤S360：所述移动终端获取所述移动终端绑定的支付帐号。
移动终端获取到广播消息中的设备标识后，可以判断是否存储有在预设时间范围内存储的相同的设备标识。例如，预设时间范围为10分钟，则可以判断是否在十分钟内有存储过相同的设备标识。若有，表示在预设时间范围内接收到过相同的支付机具发送的广播消息，根据该广播消息获取过支付帐号。为了降低移动终端功耗，降低数据处理频率，可以丢弃本次监听到的广播消息及获取到的设备标识，继续进行广播消息的监听，在监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识。通过这样一种缓存机制，降低获取支付帐号的频率，节省系统的负载及无意义的数据的获取和上报。
若移动终端在预设时间范围内没有存储有相同的设备标识，则可以将该设备标识对应该设备标识的获取时间存储，并且获取移动终端绑定的支付帐号，并且将支付帐号和该设备标识发送到服务器进行存储。
具体的，移动终端在开启监听后第一次监听到满足目标数据格式的广播消息时，获取该广播消息中的支付机具的设备标识，并针对该设备标识记录一个时间戳。将设备标识和 对应的时间戳进行存储，并获取移动终端绑定的支付帐号。当移动终端在预设时间范围内再次接收到广播消息，并从广播消息中获取到同样的设备标识时，由于移动终端中存储有预设时间范围内获得的设备标识，将当前获得的广播消息以及提取的设备标识丢弃，不再获取支付帐号。当移动终端在预设时间范围外再次监听到包括相同设备标识的广播消息时，由于当前获取到的设备标识的时间相对于前一次存储的相同设备标识的时间戳，相差的时间长度大于预设时间范围，则将本次获取的设备标识存储并对应存储时间戳。
其中，新存储的设备标识，可以对前一次存储的相同的设备标识以及相应的时间戳进行覆盖，减少存储空间占用。当然，新存储的设备标识，也可以与前一次存储的相同的设备标识存储位置不同，从而可以获知在开启监听过程对广播消息的监听情况。
其中，时间戳可以是该设备标识监听到的时间，即该广播消息监听到的时间；时间戳也可以是从广播消息中获得设备标识的时间。
步骤S370：所述移动终端将所述支付帐号以及所述设备标识发送到服务器。
在本申请实施例中，移动终端中可以集成支付应用程序的SDK、支付服务单元以及接收广播消息的通信单元。
移动终端通过通信单元接收广播消息，如通过蓝牙模块接收beacon信号。通信单元将接收的广播消息发送到移动终端中的支付服务单元。支付服务单元对广播消息进行分析，判断该广播消息是否是满足目标数据格式的广播消息，从广播消息中获取支付机具的设备标识及其他信息等。支付应用程序的SDK与支付服务单元通过广播通信以降低耦合以及安全风险，支付服务单元将从广播消息中获取的信息通过移动终端内广播的方式传递给支付应用程序的SDK，完成向支付应用程序的SDK的上报工作。支付应用程序的SDK接收到支付服务单元传递的设备标识等信息，从支付应用程序获取该支付应用程序的登陆或绑定的支付帐号，将该支付帐号及设备标识上传到服务器，该服务器可以是支付应用程序对应的、只有该支付应用程序所属厂商才能访问的支付服务器。
其中，集成的支付应用程序的SDK可以是移动终端的普通内置应用而非系统应用，以避免支付应用程序获取系统用户的权限而造成移动终端的安全风险。
步骤S380：所述服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
本申请实施例中，与前述实施例相同或相似的步骤可以相互参照，在此不再赘述。
本申请实施例中，移动终端在满足监听条件的情况下才对广播消息进行监听，并且，间隔大于预设时间范围对应的时间长度，获取一次支付帐号，从而降低移动终端数据处理的频率，在提高支付安全的同时，产生尽可能低的功耗。
本申请实施例还提供了一种支付信息绑定装置400，应用于移动终端。请参见图7，该装置包括：数据处理模块410，用于当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；帐号获取模块420，用于获取所述移动终端绑定的支付帐号；发送模块430，用于将所述支付帐号以及所述设备标识发送到服务器，以指示服务器 将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
可选的，数据处理模块410可以包括：判断单元，用于判断监听到的广播消息是否满足目标数据格式；数据获取单元，用于若判断单元判定为是，用于获取所述广播消息中用于存放支付机具设备标识的字节中的数据，作为所述支付机具的设备标识。
其中，判断单元可以用于判断所述广播消息中预设字节中的数据是否为指定数据。
可选的，帐号获取模块420可以用于获取所述移动终端绑定的支付帐号中与所述广播消息对应的支付帐号。其中，若所述移动终端绑定了一种可对应广播消息的支付应用程序的支付帐号，获取该支付应用程序的支付帐号；
若所述移动终端绑定了多种可对应广播消息的支付应用程序的支付帐号，根据监听到的所述广播消息中表示支付应用程序种类的字节确定所述广播消息对应的支付帐号。
可选的，本申请实施例中还可以包括监听模块，用于判断所述移动终端是否满足监听条件；若满足，进行广播消息的监听。
其中，监听模块判断所述移动终端是否满足监听条件可以包括：判断所述移动终端是否处于运动状态；或者判断所述移动终端是否安装所述支付帐号对应的支付应用程序；或者判断所述移动终端是否开启网络数据。
可选的，本申请实施例中还可以包括数据存储模块，用于若所述移动终端内未存储有预设时长范围内监听到的相同的设备标识，存储该设备标识以及该设备标识对应的时间戳，其中，该时间戳表示该设备标识监听到的时间；若所述移动终端内存储有预设时长范围内监听到相同的该设备标识，丢弃本次监听到的广播消息及获取到的设备标识。
所属领域的技术人员可以清楚地了解到，为描述的方便和简洁，上述描述装置和模块的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。
在本申请所提供的几个实施例中，模块相互之间的耦合可以是电性，机械或其它形式的耦合。
另外，在本申请各个实施例中的各功能模块可以集成在一个处理模块中，也可以是各个模块单独物理存在，也可以两个或两个以上模块集成在一个模块中。上述集成的模块既可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。
请参考图8，其示出了本申请实施例提供的一种电子设备500的结构框图。该电子设备500可以是手机、平板电脑、电子书等能够进行广播消息接收以及数据处理的移动终端，如可以是如图1及图2中所示的移动终端110。另外，该电子设备500也可以是支付机具120。
该电子设备包括处理器510以及存储器520，所述存储器耦接到所述处理器，所述存储器存储指令，当所述指令由所述处理器执行时，所述处理器执行上述一个或多个实施例所描述的方法。
处理器510可以包括一个或者多个处理核。处理器510利用各种接口和线路连接 整个电子设备500内的各个部分，通过运行或执行存储在存储器520内的指令、程序、代码集或指令集，以及调用存储在存储器520内的数据，执行电子设备500的各种功能和处理数据。可选地，处理器510可以采用数字信号处理(Digital Signal Processing，DSP)、现场可编程门阵列(Field－Programmable Gate Array，FPGA)、可编程逻辑阵列(Programmable Logic Array，PLA)中的至少一种硬件形式来实现。处理器510可集成中央处理器(Central Processing Unit，CPU)、图像处理器(Graphics Processing Unit，GPU)和调制解调器等中的一种或几种的组合。其中，CPU主要处理操作系统、用户界面和应用程序等；GPU用于负责显示内容的渲染和绘制；调制解调器用于处理无线通信。可以理解的是，上述调制解调器也可以不集成到处理器510中，单独通过一块通信芯片进行实现。
存储器520可以包括随机存储器(Random Access Memory，RAM)，也可以包括只读存储器(Read-Only Memory)。存储器520可用于存储指令、程序、代码、代码集或指令集，如用于实现本申请实施例提供的支付信息绑定方法的指令或代码集。存储器520可包括存储程序区和存储数据区，其中，存储程序区可存储用于实现操作系统的指令、用于实现至少一个功能的指令、用于实现上述各个方法实施例的指令等。存储数据区还可以电子设备在使用中所创建的数据(比如电话本、音视频数据、聊天记录数据)等。
请参考图9，其示出了本申请实施例提供的一种计算机可读存储介质的结构框图。该计算机可读存储介质600中存储有程序代码，所述程序代码可被处理器调用执行上述方法实施例中所描述的方法。
计算机可读存储介质600可以是诸如闪存、EEPROM(电可擦除可编程只读存储器)、EPROM、硬盘或者ROM之类的电子存储器。可选地，计算机可读存储介质600包括非易失性计算机可读介质(non-transitory computer-readable storage medium)。计算机可读存储介质600具有执行上述方法中的任何方法步骤的程序代码610的存储空间。这些程序代码可以从一个或者多个计算机程序产品中读出或者写入到这一个或者多个计算机程序产品中。程序代码610可以例如以适当形式进行压缩。
最后应说明的是：以上实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不驱使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围。

Claims (20)

  1. 一种支付信息绑定方法，其特征在于，应用于移动终端，所述方法包括：
    当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；
    获取所述移动终端绑定的支付帐号；
    将所述支付帐号以及所述设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
  2. 根据权利要求1所述的方法，其特征在于，所述当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识之前，包括：
    判断所述移动终端是否满足监听条件；
    若满足，进行广播消息的监听。
  3. 根据权利要求2所述的方法，其特征在于，所述判断所述移动终端是否满足监听条件，包括：
    判断所述移动终端是否处于运动状态；或者
    判断所述移动终端是否安装所述支付帐号对应的支付应用程序；或者
    判断所述移动终端是否开启网络数据。
  4. 根据权利要求1至3任一项所述的方法，其特征在于，所述获取所述移动终端绑定的支付帐号之前，还包括：
    若所述移动终端内未存储有预设时长范围内监听到的相同的设备标识，存储该设备标识以及该设备标识对应的时间戳，执行所述取所述移动终端绑定的支付帐号的步骤，其中，该时间戳表示该设备标识监听到的时间，
    若所述移动终端内存储有预设时长范围内监听到相同的该设备标识，丢弃本次监听到的广播消息及获取到的设备标识，执行所述当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识的步骤。
  5. 根据权利要求1至4任一项所述的方法，其特征在于，所述当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识，包括：
    判断监听到的广播消息是否满足目标数据格式；
    若是，获取所述广播消息中用于存放支付机具设备标识的字节中的数据，作为所述支付机具的设备标识。
  6. 根据权利要求5所述的方法，其特征在于，所述判断监听到的广播消息是否满足目标数据格式包括：
    判断所述广播消息中预设字节中的数据是否为指定数据。
  7. 根据权利要求6所述的方法，其特征在于，在预先设置的指定字节中存放所述预设字节的位置。
  8. 根据权利要求5所述的方法，其特征在于，所述支付机具的设备标识与指定数据顺 序存放，所述获取所述广播消息中用于存放支付机具设备标识的字节中的数据，作为所述支付机具的设备标识之前，还包括：
    根据从所述广播消息中指定数据所在位置，确定支付机具的设备标识在广播消息中的位置。
  9. 根据权利要求1至8任一项所述的方法，其特征在于，所述获取所述移动终端绑定的支付帐号，包括：
    获取所述移动终端绑定的支付帐号中与所述广播消息对应的支付帐号。
  10. 根据权利要求9所述的方法，其特征在于，所述获取所述移动终端绑定的支付帐号中与所述广播消息对应的支付帐号，包括：
    若所述移动终端绑定了一种可对应广播消息的支付应用程序的支付帐号，获取该支付应用程序的支付帐号；
    若所述移动终端绑定了多种可对应广播消息的支付应用程序的支付帐号，根据监听到的所述广播消息中表示支付应用程序种类的字节确定所述广播消息对应的支付帐号。
  11. 根据权利要求9所述的方法，其特征在于，所述获取所述移动终端绑定的支付帐号中与所述广播消息对应的支付帐号，包括：
    若所述移动终端绑定了一种可对应广播消息的支付应用程序的支付帐号，获取该支付应用程序的支付帐号；
    若所述移动终端绑定了多种可对应广播消息的支付应用程序的支付帐号，不同的支付应用程序所对应的广播消息中，指定数据不同，获取监听到的广播消息中指定数据所对应的支付应用程序的支付帐号。
  12. 根据权利要求1至11任一项所述的方法，其特征在于，若在连续预设次数内监听到的是包括相同的设备标识的广播消息，将监听频率降低。
  13. 根据权利要求1至12任一项所述的方法，其特征在于，所述广播消息为通过低功耗蓝牙通信(BLE，BluetoothLowEnergy)发送的beacon信号，或者通过WiFi Aware发出的广播消息。
  14. 一种支付信息绑定方法，其特征在于，应用于支付信息绑定系统，所述系统包括移动终端，支付机具以及服务器，所述移动终端以及所述支付机具分别与所述服务器网络连接，所述方法包括：
    所述支付机具按照预设频率发送满足目标数据格式的广播消息，该广播消息中包括所述支付机具的设备标识；
    当移动终端监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；
    所述移动终端获取所述移动终端绑定的支付帐号；
    所述移动终端将所述支付帐号以及所述设备标识发送到服务器；
    所述服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生 物特征信息进行是否对应所述支付帐号的支付验证。
  15. 根据权利要求14所述的方法，其特征在于，所述方法还包括：
    服务器将所述支付帐号以及所述设备标识的绑定信息存储预设时间长度后删除。
  16. 根据权利要求14或15所述的方法，其特征在于，所述方法还包括：
    所述支付机具通过生物特征采集设备采集用户的生物特征信息，并将所述生物特征信息以及设备标识发送到服务器；
    所述服务器接收所述支付机具发送的生物特征信息以及设备标识，在判定相互匹配的设备标识分别对应的支付帐号以及生物特征信息相互匹配时，对所述支付帐号进行扣款。
  17. 一种支付信息绑定装置，其特征在于，应用于移动终端，所述装置包括：
    数据处理模块，用于当监听到满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；
    帐号获取模块，用于获取所述移动终端绑定的支付帐号；
    发送模块，用于将所述支付帐号以及所述设备标识发送到服务器，以指示服务器将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
  18. 一种移动终端，其特征在于，包括存储器以及处理器，所述存储器耦接到所述处理器，所述存储器存储指令，当所述指令由所述处理器执行时，所述处理器执行如权利要求1-13任一项所述的方法。
  19. 一种计算机可读取存储介质，其特征在于，所述计算机可读取存储介质中存储有程序代码，所述程序代码可被处理器调用执行如权利要求1-13任一项所述的方法。
  20. 一种支付信息绑定系统，其特征在于，包括移动终端，支付机具以及服务器，所述移动终端以及所述支付机具分别与所述服务器网络连接，其中，
    所述支付机具用于按照预设频率发送满足目标数据格式的广播消息，该广播消息中包括所述支付机具的设备标识；
    移动终端用于监听到所述满足目标数据格式的广播消息，从该广播消息中获取支付机具的设备标识；
    所述移动终端用于获取所述移动终端绑定的支付帐号；
    所述移动终端用于将所述支付帐号以及所述设备标识发送到服务器；
    所述服务器用于将所述支付帐号以及所述设备标识绑定，用于对从所述支付机具获取的生物特征信息进行是否对应所述支付帐号的支付验证。
PCT/CN2020/072046 2019-02-01 2020-01-14 支付信息绑定方法、装置、移动终端及系统 WO2020156152A1 (zh)

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