WO2020156255A1 - Procédé de paiement, dispositif, système, terminal mobile, machine de paiement et serveur - Google Patents

Procédé de paiement, dispositif, système, terminal mobile, machine de paiement et serveur Download PDF

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Publication number
WO2020156255A1
WO2020156255A1 PCT/CN2020/072843 CN2020072843W WO2020156255A1 WO 2020156255 A1 WO2020156255 A1 WO 2020156255A1 CN 2020072843 W CN2020072843 W CN 2020072843W WO 2020156255 A1 WO2020156255 A1 WO 2020156255A1
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WIPO (PCT)
Prior art keywords
payment
device identification
mobile terminal
biometric information
broadcast data
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PCT/CN2020/072843
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English (en)
Chinese (zh)
Inventor
陈岩
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Oppo广东移动通信有限公司
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Publication of WO2020156255A1 publication Critical patent/WO2020156255A1/fr

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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
    • 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 communication technology, and more specifically, to a payment method, device, system, mobile terminal, payment device, and server.
  • this application proposes a payment method, device, system, mobile terminal, payment machine, and server to improve the above-mentioned problems.
  • this application provides a payment method applied to a mobile terminal.
  • the method includes: the mobile terminal obtains the device identification of the payment device from the broadcast data sent by the payment device; A bound payment account; sending the device identification and the payment account to the payment server, the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and to detect all The payment account corresponding to the biometric information has been bound to the device identification of the payment machine, and the payment operation of the payment account corresponding to the biometric information is completed.
  • this application provides a payment method applied to a payment device, the method comprising: the payment device sending broadcast data carrying the device identification of the payment device, and the broadcast data is used for the mobile terminal to obtain After the device identification of the payment device, the device identification and the payment account bound to the mobile terminal are sent to the payment server; the payment device sends the device identification and the collected biometric information to the payment server, so The device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and to detect that the payment account corresponding to the biometric information is bound to the device identification of the payment machine, and complete the connection with the payment machine. The payment operation of the payment account corresponding to the biometric information.
  • this application provides a payment method, applied to a payment server, the method includes: the payment server receives a payment account number and a device identifier of a payment device sent by a mobile terminal, and combines the payment account number and the payment device The device identification is bound; after receiving the biometric information sent by the payment machine and the device identification of the payment machine, the payment server searches whether the payment account pre-bound with the biometric information is connected to the payment machine The device identification is bound; if bound, the payment server completes the payment operation of the payment account corresponding to the biometric information.
  • the present application provides a payment method applied to a payment system.
  • the payment system includes a payment device and a mobile terminal.
  • the method includes: the payment device sends a broadcast carrying the device identification of the payment device Data; the mobile terminal obtains the device identification of the payment device from the broadcast data sent by the payment device; the mobile terminal obtains the bound payment account, and sends the device identification and the payment account to the payment Server; the payment machine sends a device identification and collected biometric information to the payment server, the biometric information is used by the payment server to detect the biometric information corresponding to the payment account and the device identification of the payment machine After binding, the payment operation of the payment account corresponding to the biometric information is completed.
  • this application provides a payment device that runs on a mobile terminal, and the device includes:
  • the identification acquisition unit is used to acquire the device identification of the payment device from the broadcast data sent by the payment device; the account acquisition unit is used to acquire the payment account number bound to the mobile terminal; and the data communication unit is used to transfer the
  • the device identification and the payment account are sent to the payment server, and the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and detect that the payment account and the payment account corresponding to the biometric information
  • the device identification of the payment device is bound, and the payment operation of the payment account corresponding to the biometric information is completed.
  • the present application provides a payment device that runs on a payment device, the device includes: a data broadcasting unit, configured to send broadcast data carrying a device identifier of the payment device, and the broadcast data is used for mobile
  • the terminal sends the device identification and the payment account bound to the mobile terminal to the payment server
  • the payment unit is used to send the device identification and the collected biometrics to the payment server Information
  • the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and to detect that the payment account corresponding to the biometric information is bound to the device identification of the payment machine, complete The payment operation of the payment account corresponding to the biometric information.
  • the present application provides a payment device that runs on a payment server.
  • the device includes an account binding unit for receiving a payment account and a device identifier of a payment device sent by a mobile terminal, and combining the payment account with The device identification of the payment device is bound;
  • the information verification unit is used to, after receiving the biometric information sent by the payment device and the device identification of the payment device, find whether the payment account pre-bound with the biometric information is compatible with The device identifier of the payment device has been bound;
  • the payment execution unit is configured to complete the payment operation of the payment account corresponding to the biometric information if bound.
  • the application provides a payment system
  • the payment system includes a payment device and a mobile terminal; the payment device is used to send broadcast data carrying the device identification of the payment device; the mobile terminal, It is used to obtain the device identification of the payment device from the broadcast data sent by the payment device; obtain the bound payment account, and send the device identification and the payment account to the payment server; the payment device, and Used to send device identification and collected biometric information to the payment server, where the biometric information is used by the payment server after detecting that the payment account corresponding to the biometric information is bound to the device identification of the payment device Complete the payment operation of the payment account corresponding to the biometric information.
  • this application provides a mobile terminal including one or more processors and a memory; one or more programs are stored in the memory and configured to be executed by the one or more processors, The one or more programs are configured to perform the methods described above.
  • the present application provides a computer-readable storage medium having program code stored in the computer-readable storage medium, wherein the above-mentioned method is executed when the program code is running.
  • FIG. 1 shows a schematic diagram of an application environment of a payment method provided by an embodiment of the present application
  • FIG. 2 shows a schematic diagram of a user using the payment method provided in an embodiment of the present application to make a payment
  • Figure 3 shows a flowchart of a payment method proposed in an embodiment of the present application
  • FIG. 4 shows a flowchart of a payment method proposed by another embodiment of the present application.
  • Figure 5 shows a flow chart of a payment method proposed in another embodiment of the present application.
  • Fig. 6 shows a flowchart of a payment method proposed in another embodiment of the present application.
  • FIG. 7 shows a schematic diagram of a touch area of a payment machine according to an embodiment of the present application.
  • FIG. 8 shows a structural block diagram of a payment device proposed in an embodiment of the application.
  • FIG. 9 shows a structural block diagram of a payment device proposed by another embodiment of the present application.
  • FIG. 10 shows a structural block diagram of a payment device proposed in another embodiment of the present application.
  • FIG. 11 shows a structural block diagram of a mobile terminal proposed in this application.
  • Figure 12 shows a structural block diagram of a payment device proposed in this application
  • FIG. 13 shows a structural block diagram of a payment server proposed by this application
  • Fig. 14 is a storage unit for storing or carrying program code for implementing the payment 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 inventor proposes the payment method, device, system, mobile terminal, payment device, and server provided by the embodiment of the application.
  • the payment method provided by the embodiment of the application allows the mobile terminal user to pass the payment device without operating the mobile terminal. Payment is completed by collecting biometric information, thereby improving payment efficiency and user experience in the payment process.
  • the mobile terminal can directly obtain the device identification of the payment device from the broadcast data, thereby reducing the power consumption of the mobile terminal.
  • the payment server completes the payment, it will first verify the biometric information uploaded by the payment device. Whether the corresponding payment account has been bound with the device identification of the payment device, thereby improving the security of payment.
  • the system involved in FIG. 1 includes a mobile terminal 100, a payment device 200 and a payment server 300.
  • the mobile terminal 100 may be a mobile phone or a tablet computer, etc., and a payment account pre-bound by the user is stored in the mobile terminal.
  • the payment device 200 is used to collect the user's biometric information and transmit it to the payment server 300, and the payment server 300 is used to complete the payment operation according to the received biometric information.
  • the payment device 200 may send broadcast data in a set wireless communication mode.
  • the dotted circle around the payment device 200 in FIG. 1 represents the coverage of the broadcast data sent by the payment device.
  • the wireless communication mode includes a Bluetooth BLE mode or a Wi-Fi Aware mode.
  • the mobile terminal 100 can search for nearby wireless signals in the set wireless communication mode, so that when the mobile terminal 100 enters the range of the dashed circle shown in FIG. 1, it can receive the broadcast data sent by the payment device 200 .
  • the mobile terminal 100 can establish a wireless connection with the payment device 200 based on the currently adopted wireless communication mode, and then after the wireless connection is established, the mobile terminal 100 can obtain a device ID that uniquely identifies the payment device from the data stored in the payment device.
  • the payment device 200 can carry its own device identification in the broadcast data sent by itself, so that the mobile terminal 100 may receive the broadcast data sent by the payment device 200.
  • the device identification of the payment device 200 that sends the broadcast data can be obtained from the broadcast data 200.
  • the mobile terminal 100 may send the acquired device identification and the stored payment account number to the payment server 300 through the base station 310 and the gateway 311 of the mobile communication network. Furthermore, the mobile terminal 100 may also send the acquired device identification and the payment account stored by itself to the payment server 300 through the wireless hotspot 320.
  • the payment server 300 receives the device identification and payment account number sent by the mobile terminal 100, it binds the device identification and the payment account number to indicate that the user of the payment account is near the payment device to which the device identification belongs.
  • the payment server 300 can verify that the payment account corresponding to the biometric information is bound to the device identification of the payment device, Complete the payment operation of the payment account.
  • the mobile terminal 100 can obtain the device identification of the payment device 200 through the broadcast data sent by the payment device 200, so that the user does not need to operate the mobile terminal (for example, the mobile terminal in the figure can Always placed in the trouser pocket), the mobile terminal 100 can complete the binding operation of the payment account and the device identification of the payment device 200.
  • the user only needs to collect the biometric information at the payment machine 200, and the payment machine 200 can send the collected biometric information to the payment server 300 to complete the payment, and the user does not need to operate the mobile terminal, thereby making During the whole process, users do not need to manually perform payment operations.
  • a payment method provided by an embodiment of the present application is applied to a mobile terminal, and the method includes:
  • Step S110 The mobile terminal obtains the device identification of the payment device from the broadcast data sent by the payment device.
  • the payment device can send broadcast data based on Bluetooth BLE mode or Wi-Fi Aware mode.
  • the payment device can carry its own device identification in a specific field in the sent data packet during the process of sending broadcast data in the Bluetooth BLE mode.
  • the format of a broadcast data packet is shown in the following table.
  • the Length field is used to represent the length of the data packet
  • the field named Type represents the connection type of the current data packet
  • the field named MFG ID represents the Bluetooth module sending the data packet
  • the ID of the manufacturer indicates that the current data packet is generated based on the iBeacon mode
  • the field named MD5 indicates the device identification encrypted based on the MD5 method carried in the data packet.
  • the field names Major, Minor and Ref are all Used to carry characteristic values to distinguish different data packets sent by the same device. Then it can be seen that in the data packet shown in the above table, the device identification of the payment device can be added in the 16Byte length field.
  • the data packet format and the name of each field shown in the above table are only exemplary, and the data packet format and field names of the broadcast data sent by the payment device can also be changed according to the actual data carried.
  • the mobile terminal can also scan the broadcast data based on the Bluetooth BLE mode or Wi-Fi Aware mode, so that after scanning the broadcast data sent by the payment machine, the mobile terminal can obtain the broadcast data from the scanned payment machine.
  • the equipment identification of the payment machine For example, if the mobile terminal scans broadcast data in Bluetooth BLE mode, after scanning the broadcast data that the payment device also sends in Bluetooth BLE mode, it can be parsed from the 16Byte length field of the broadcast data packet shown in the table above The equipment identification of the payment machine.
  • the payment device can also broadcast its own device identification in a similar manner. Accordingly, the mobile terminal can also use a similar method to obtain the device identification of the payment device .
  • the payment device can encrypt the device identification during the process of generating the broadcast data packet, so that even if other devices can obtain the broadcast data, What you get is the encrypted device ID.
  • illegal electronic devices can still send the user's payment account number and the device identification of a certain payment machine to the payment server, thereby posing security risks to the user's payment account.
  • the payment device can add a specific field to the data packet of the broadcast data in the process of generating broadcast data.
  • the user stores a designated identifier.
  • the designated identifier is used to identify whether the broadcast data is legal Payment equipment is sent.
  • the mobile terminal receives broadcast data, it recognizes whether there is a designated identifier in the received broadcast data; if it recognizes that there is a designated identifier in the received broadcast data, the received broadcast data is determined
  • the device identification of the payment machine is obtained from the broadcast data sent by the payment machine.
  • the designated identifier can also be dynamically updated, thereby further improving the security of broadcast data.
  • the designated identification of each payment device can be stored in the payment server, and the stored designated identification of each payment device can be updated regularly, and when the payment server has a designated identification of a certain payment device After the identification is updated, the updated designated identification will be pushed to the corresponding payment machine so that the payment machine will write the updated designated identification into the generated broadcast data.
  • the mobile terminal when the mobile terminal receives the broadcast data, it will send the parsed specified identifier to the payment server for verification. Only when the verification passed by the payment server is received, will the received broadcast data be included
  • the device ID of the carried payment device is used as the device ID sent by the legal payment device.
  • the mobile terminal can determine the currently received identifier according to the format of the designated identifier that is parsed Whether the designated identifier in the broadcast data is fixedly configured or will be dynamically updated, and the subsequent verification method is determined according to the determined configuration of the designated identifier. For example, a fixedly configured designated identifier can be set to start with the character "G”, and a dynamically configured designated identifier can be set to start with the character "D”, and then the mobile terminal can be based on the designated identifier parsed from the broadcast data The first character to determine its configuration.
  • the mobile terminal when the mobile terminal determines that the designated identifier is a fixed configuration, it can directly verify whether the format of the designated identifier parsed by the mobile terminal meets the designated rules for verification, and when the mobile terminal determines the designated identifier In the case of dynamic configuration, the mobile terminal will send the specified identification to the payment server, so that the payment server can verify the specified identification according to the latest configuration. Then through the above method, even if the configuration of the designated identifier in the broadcast data sent by different payment devices is different, the mobile terminal can be flexibly adapted, thereby improving the compatibility between the mobile terminal and different payment devices. With capacity.
  • the working state of the CPU of the mobile terminal can have two modes: a sleep state and an awake state.
  • the CPU does not need to perform a large amount of data processing, so that the CPU can run in a low power consumption mode, thereby reducing the overall power consumption of the mobile terminal.
  • the mobile terminal is in a dormant state before receiving the broadcast data sent by the payment device, and after receiving the broadcast data, it wakes up the CPU to the awake state to process the broadcast data packet.
  • the mobile terminal detects the working status of the CPU when it determines that the broadcast data carries the specified identifier. If it detects that the CPU of the mobile terminal is in the sleep state, the CPU in the sleep state is Switch to the awake state.
  • Step S120 Obtain the payment account bound to the mobile terminal.
  • the application with payment function will be stored in a set storage area, and the mobile terminal can read the bound payment account from the set storage area.
  • the designated storage area corresponding to some applications is private, and other other applications are inaccessible.
  • the mobile terminal needs to obtain the payment account corresponding to the application, Then the mobile terminal needs to call up the application first, trigger the application itself to obtain the payment account stored in the privately set storage area, and in this process, because the application is called, it will cause certain functions. Increase in consumption.
  • the mobile terminal can run a system service locally to process the step of obtaining a payment account.
  • the system service can send a broadcast message after it is started, so as to inform other applications in the mobile terminal that the corresponding account can be transmitted to the system service for storage.
  • the application with the payment function receives the broadcast message, it can transmit the logged-in payment account to the system service through inter-process communication, so that the system service can be stored accordingly.
  • the system service can store the package name of each application and the account correspondingly in order to facilitate the distinction between accounts transferred from different applications. Furthermore, in this way, when the mobile terminal needs to obtain the bound payment account, it can directly run the aforementioned system service, and obtain the payment account from the storage area corresponding to the system service, so that it cannot be started without triggering the application. In the case of, the payment account bound to the application can be obtained, which reduces the overall power consumption of the mobile terminal.
  • the payment device can support multiple payment platforms at the same time. In this way, the user can select a payment platform from multiple payment platforms supported by the payment device to complete the payment operation as needed.
  • the mobile terminal may first query the payment platform supported by the payment device; in obtaining the payment platform supported by the payment device, the mobile terminal is bound to The payment platform of the past payment account is used as the target platform, and then the payment account corresponding to the target platform and the device identifier are respectively sent to the respective payment servers of the target platform.
  • Step S130 Send the device identification and the payment account number to the payment server, where the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and detect the biometric feature The payment account corresponding to the information has been bound to the device identification of the payment device, and the payment operation of the payment account corresponding to the biometric information is completed.
  • the payment server that finally performs the payment operation is the payment platform selected by the user during the payment process.
  • the corresponding payment server is the payment platform selected by the user during the payment process.
  • the mobile terminal obtains the device of the payment device from the broadcast data sent by the payment device After the identification, the mobile terminal sends the device identification and the payment account to the payment server in the payment account bound to the mobile terminal, so that the payment server receives the biometric information sent by the payment machine and Device identification, and detects that the payment account corresponding to the biometric information has been bound to the device identification of the payment device, and completes the payment operation of the payment account corresponding to the biometric information, thereby enabling the mobile terminal to The user does not need to operate the mobile terminal to complete the payment by collecting biometric information in the payment machine, thereby improving the payment efficiency and the user experience in the payment process.
  • the mobile terminal can directly obtain the device identification of the payment device through broadcast data, thereby reducing the power consumption of the mobile terminal.
  • a payment method provided by an embodiment of the present application is applied to a payment machine, and the method includes:
  • Step S210 The payment device sends broadcast data carrying the device identification of the payment device, and the broadcast data is used by the mobile terminal to obtain the device identification of the payment device, and then associate the device identification with the mobile terminal The bound payment account is sent to the payment server.
  • Step S220 The payment machine sends a device identification and the collected biometric information to the payment server, where the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and detect The payment account corresponding to the biometric information is bound to the device identification of the payment device, and the payment operation of the payment account corresponding to the biometric information is completed.
  • the payment device After responding to the payment instruction, the payment device starts to collect biometric information, and sends the device identification and the collected biometric information to the payment server.
  • the payment instruction can be triggered in multiple ways.
  • the payment device detects the touch operation of the payment button configured on the touch area of the payment device, it starts to collect biometric information; after the biometric information is collected, it sends to the payment server Device identification and collected biometric information.
  • the user can touch the payment button in the touch area of the payment device after knowing the fee to be paid, thereby triggering the payment device to start collecting biometric information (for example, facial information or fingerprint information). Then, after the payment device collects the biometric information, it will send the collected biometric information and its own device identification to the payment server. After the payment server completes the payment operation, it can send a feedback message to the payment device to display it to the user for viewing. In addition, the payment server can also send a feedback message to the mobile terminal for the user to view.
  • biometric information for example, facial information or fingerprint information
  • the payment method provided by the embodiment of the present application allows the payment device to broadcast its own device identification, so that the mobile terminal can obtain the device identification of the payment device without establishing a connection with the payment device, thereby enabling the mobile terminal
  • the user does not need to operate the mobile terminal to complete the payment by collecting biometric information in the payment machine, thereby improving the payment efficiency and the user experience in the payment process.
  • the mobile terminal can directly obtain the device identification of the payment device through broadcast data, thereby reducing the power consumption of the mobile terminal.
  • a payment method provided by an embodiment of the present application is applied to a payment server, and the method includes:
  • Step S310 The payment server receives the payment account and the device identification of the payment machine sent by the mobile terminal, and binds the payment account and the device identification of the payment machine.
  • the payment server can establish a data table to store the device identification and payment account. Then, in this manner, the device identification and payment account number corresponding to the same data ID in the data table can be recognized by the payment server as the payment account number and the device identification of the payment device that are bound to each other.
  • the field "ID” is used to uniquely identify data
  • the field “Device_id” represents the device identification
  • the field “User_id” is used to represent the payment account.
  • the IDs corresponding to the device identifier "G001" and the payment account “zhangshan” are both "1"
  • the mobile terminal can then be identified as the device identifier and payment account that are bound to each other.
  • Step S320 After receiving the biometric information sent by the payment machine and the device identification of the payment machine, the payment server searches for whether the payment account pre-bound with the biometric information matches the device identification of the payment machine. Binding.
  • the payment server In the case that the payment server stores the device ID and payment account that are bound to each other based on the data table, the payment server will first query the corresponding payment based on the biometric information after receiving the biometric information and the device ID sent by the payment machine And then check whether there is a payment account corresponding to the biometric information in the data table. If a payment account corresponding to the biometric information is found, it is determined that the payment account pre-bound with the biometric information and the payment account The device identification of the payment device has been bound.
  • Step S330 If bound, the payment server completes the payment operation of the payment account corresponding to the biometric information.
  • Step S340 If it is not bound, return a payment failure prompt message to the payment machine.
  • the payment server may only associate the storage device identification and the payment account within a certain period of time. For example, the payment server may use the time when the device identification and payment account number sent by the mobile terminal are received as the starting time, and start counting for a set time length. When it is detected that the set time period expires, the associated stored device identification and payment account are deleted. It is understandable that if the payment server repeatedly receives the same payment account to associate with the same payment device, the payment server will re-timing the set time length at the time of the most recent receipt.
  • the payment method provided by the embodiment of the application allows the payment server to perform the corresponding binding after obtaining the device identification and payment account number sent by the mobile terminal, so as to further obtain the biometric information sent by the payment machine and the payment After the device’s device identification, it can be determined that the payment account corresponding to the biometric information has been bound to the payment device before the subsequent payment operations will be completed, thereby improving the security of the payment, and during the payment process, mobile
  • the terminal user does not need to operate the mobile terminal to complete the payment by collecting the biometric information in the payment machine, thereby improving the payment efficiency and the user experience in the payment process.
  • the mobile terminal can directly obtain the device identification of the payment device from the broadcast data, thereby reducing the power consumption of the mobile terminal
  • a payment method provided by an embodiment of the present application is applied to a payment system, the payment system includes a payment device and a mobile terminal, and the method includes:
  • Step S410 The payment device sends broadcast data carrying the device identification of the payment device.
  • Step S420 The mobile terminal obtains the device identification of the payment device from the broadcast data sent by the payment device.
  • Step S430 The mobile terminal obtains the bound payment account, and sends the device identifier and the payment account to the payment server.
  • Step S440 The payment machine sends the device identification and the collected biometric information to the payment server.
  • Step S450 After detecting that the payment account corresponding to the biometric information is bound to the device identifier of the payment device, the payment server completes the payment operation of the payment account corresponding to the biometric information.
  • the payment device can support multiple payment platforms.
  • the following will introduce in detail how the payment system operates in this case.
  • the payment device in addition to querying which payment platforms the payment device supports through the mobile terminal according to the device identification of the received payment device, the payment device can also directly add the payment platform it supports to the broadcast data for mobile After the terminal receives the broadcast data, it can directly analyze the payment platform that the payment device can support. Then obtain the payment platform supported by the payment machine, the payment platform of the payment account bound to the mobile terminal as the target platform; send the payment account corresponding to the target platform and the device identification to all The respective payment server of the target platform.
  • the platform of the payment account bound to the mobile terminal in order to facilitate the mobile terminal to identify the payment platform supported by the payment machine, the platform of the payment account bound to the mobile terminal.
  • the payment device can use the package name of the payment platform application installed on the mobile terminal as the identification of the payment platform. Therefore, after the mobile terminal obtains the platform supported by the payment device, that is to say, obtains the package name of the application corresponding to the supported payment platform, it can check whether there is a corresponding account in the stored payment account. If so, Then use the payment platform described in the corresponding payment account as the target platform.
  • the payment device sends the device identification and the collected biometric information to the payment server of the payment platform determined from the supported platforms.
  • the payment trigger button 99 corresponding to payment platform A and the payment trigger corresponding to payment platform B can be displayed in the touch area.
  • Button 98 if the user touches the payment trigger button 99, the payment device will send the collected biometric information and its own device identification to the payment server of the payment platform A, and if the user touches the payment trigger button 98, then the payment The machine will send the collected biometric information and its own device identification to the payment server of the payment platform B.
  • the payment operation can be completed smoothly only when the balance in the payment account is not less than the amount currently to be paid.
  • the user is usually required to manually select the payment method corresponding to the payment account.
  • the payment method includes payment with account balance or payment with a bank card bound to the payment account.
  • the payment device can send it separately after collecting the user’s biometric information for the first time. Perform payment capability verification for the payment server of the payment platform that you support to verify whether the payment can be successfully completed through the payment account, so that only the payment trigger buttons of the verified payment platform are displayed in the touch area.
  • the payment platforms supported by the payment machine include payment platform A, payment platform B, and payment platform C.
  • the payment machine collects the user's facial information for the first time, it will first send the verification information to the payment server, so that the facial information can be sent to the payment server corresponding to the payment platform A, the payment platform B, and the payment platform C respectively.
  • the payment server receives the facial information, it will first verify the payment ability. For example, it can verify whether the current payment amount sent by the payment device along with the facial information is greater than the current balance. If it is greater, the payment server will pay The machine returns a verified message.
  • the payment device may send verification information to the payment server once after detecting that the amount currently to be paid has increased.
  • the payment server of payment platform A receives the verification information and obtains the facial information from the verification information, it can query whether the balance in the payment account corresponding to the facial information is greater than the current payment. The amount, or whether the payment account is bound with a bank card. If the payment server finds that the balance in the payment account of payment platform A is greater than the amount that needs to be paid, or the payment account is bound with a bank card, it will return a successful verification message to the payment machine, and the payment machine will display the payment in the touch area The payment trigger button corresponding to platform A.
  • the method based on this embodiment can not only improve payment efficiency and user experience in the payment process.
  • the mobile terminal can directly obtain the device identification of the payment device through the broadcast data, thereby reducing the power consumption of the mobile terminal.
  • the payment device supports multiple payment platforms, only allowing the user to touch can be smooth
  • the payment trigger button of the payment platform of the payment account that completes the payment prevents the user from choosing a payment account that cannot complete the payment without knowing which of the multiple payment accounts can complete the payment smoothly.
  • the user needs to operate the mobile terminal to query the balance of the payment account, which in turn also improves the payment efficiency in the payment process and improves the user experience.
  • a payment device 500 provided by an embodiment of the present application runs on a mobile terminal, and the device 500 includes:
  • the identification acquiring unit 510 is configured to acquire the device identification of the payment device from the broadcast data sent by the payment device.
  • the account obtaining unit 520 is configured to obtain the payment account bound to the mobile terminal.
  • the data communication unit 530 is configured to send the device identification and the payment account number to the payment server, where the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and to detect The payment account corresponding to the biometric information has been bound to the device identifier of the payment device, and the payment operation of the payment account corresponding to the biometric information is completed.
  • a payment device 600 provided by an embodiment of the present application runs on a payment machine, and the device 600 includes:
  • the data broadcasting unit 610 is configured to send broadcast data carrying the device identification of the payment device, and the broadcast data is used by the mobile terminal to obtain the device identification of the payment device and then associate the device identification with the mobile terminal.
  • the bound payment account is sent to the payment server.
  • the payment unit 620 is configured to send a device identification and collected biometric information to the payment server, where the device identification is used by the payment server to receive the biometric information and the device identification sent by the payment machine, and to detect the biometric information.
  • the payment account corresponding to the characteristic information has been bound with the device identification of the payment device, and the payment operation of the payment account corresponding to the biological characteristic information is completed.
  • a payment device 700 provided by an embodiment of the present application runs on a payment server, and the device 700 includes:
  • the account binding unit 710 is configured to receive the payment account and the device identification of the payment machine sent by the mobile terminal, and bind the payment account and the device identification of the payment machine.
  • the information verification unit 720 is configured to, after receiving the biometric information sent by the payment machine and the device identification of the payment machine, find out whether the payment account pre-bound with the biometric information is compatible with the device identification of the payment machine. Binding.
  • the payment execution unit 730 is configured to complete the payment operation of the payment account corresponding to the biometric information if it is bound.
  • 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.
  • the mobile terminal 100 includes one or more (only one is shown in the figure) a processor 102, a memory 104, and a wireless module 106 coupled to each other.
  • the memory 104 stores a program that can execute the content in the foregoing embodiment
  • the processor 102 can execute the program stored in the memory 104.
  • the processor 102 may include one or more processing cores.
  • the processor 102 uses various interfaces and lines to connect various parts of the entire mobile terminal 100, and executes by running or executing instructions, programs, code sets, or instruction sets stored in the memory 104, and calling data stored in the memory 104.
  • the processor 102 may adopt 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 102 may integrate one or a combination of a central processing unit (Central Processing Unit, CPU), a graphics processing unit (Graphics Processing Unit, GPU), and a modem.
  • CPU Central Processing Unit
  • GPU Graphics Processing Unit
  • 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 102, but may be implemented by a communication chip alone.
  • the memory 104 may include random access memory (RAM) or read-only memory (Read-Only Memory).
  • the memory 104 may be used to store instructions, programs, codes, code sets or instruction sets.
  • the memory 104 may include a storage program area and a storage data area.
  • the storage program area may store instructions for implementing the operating system and instructions for implementing at least one function (such as touch function, sound playback function, image playback function, etc.) , Instructions for implementing the following method embodiments, etc.
  • the data storage area can also store data (such as phone book, audio and video data, chat record data) created by the terminal 100 during use.
  • a payment device is stored in the memory 104, and the payment device may be the device 500 in the foregoing embodiment.
  • the wireless module 106 is used to receive and send electromagnetic waves, realize the mutual conversion between electromagnetic waves and electrical signals, so as to communicate with a communication network or other devices, such as communication with audio playback devices.
  • the wireless module 106 may include various existing circuit elements for performing these functions, such as an antenna, a radio frequency transceiver, a digital signal processor, an encryption/decryption chip, a subscriber identity module (SIM) card, a memory, etc. .
  • SIM subscriber identity module
  • the wireless module 106 can communicate with various networks such as the Internet, an intranet, and a wireless network, or communicate with other devices through a wireless network.
  • the aforementioned wireless network may include a cellular telephone network, a wireless local area network, or a metropolitan area network.
  • FIG. 12 another payment device 200 that can execute the foregoing payment method is also provided in an embodiment of the present application.
  • This payment device is first compared to the aforementioned mobile terminal 100, and also includes a camera 108 and a touch screen 110.
  • the processor 102 and the memory 104 included in the payment machine 200 may be the same as the processor 102 and the memory 104 included in the mobile terminal.
  • the memory 104 shown in FIG. 12 stores a payment device
  • the payment device may be the device 600 in the foregoing embodiment.
  • an embodiment of the present application also provides another payment server 300 that can execute the foregoing payment method.
  • the main difference between the payment server 300 and the aforementioned mobile terminal 100 is that the payment server 300 includes a network module 112.
  • the network module 112 may be a network adapter.
  • the processor 102 and memory 104 included in the payment server 300 may be the same as the processor 102 and memory 104 included in the mobile terminal.
  • the memory 104 shown in FIG. 13 stores a payment device
  • the payment device may be the device 700 in the foregoing embodiment.
  • FIG. 14 shows a structural block diagram of a computer-readable storage medium provided by an embodiment of the present application.
  • the computer-readable medium 800 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 800 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 800 includes a non-transitory computer-readable storage medium.
  • the computer-readable storage medium 800 has storage space for the program code 810 for executing any method steps in the above-mentioned methods. These program codes can be read from or written into one or more computer program products.
  • the program code 810 may be compressed in a suitable form, for example.
  • the payment method, device, system, mobile terminal, payment device, and server provided by the present application transmit broadcast data carrying the device identification of the payment device through the payment device, the mobile terminal After acquiring the device identification of the payment device from the broadcast data sent by the payment device, the mobile terminal sends the device identification and the payment account number to the payment server using the payment account bound to the mobile terminal, so that all The payment server receives the biometric information and the device identification sent by the payment machine, and detects that the payment account corresponding to the biometric information is bound to the device identification of the payment machine, and completes the exchange with the biometric information.
  • the payment operation of the corresponding payment account allows the mobile terminal user to complete the payment by collecting biometric information in the payment machine without operating the mobile terminal, thereby improving payment efficiency and user experience in the payment process.
  • the mobile terminal can directly obtain the device identification of the payment device through broadcast data, thereby reducing the power consumption of the mobile terminal.

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  • General Physics & Mathematics (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Selon divers modes de réalisation, la présente invention concerne un procédé de paiement, un dispositif, un système, un terminal mobile, une machine de paiement et un serveur. Le procédé comprend les étapes suivantes : le terminal mobile acquiert un identifiant d'appareil de machine de paiement à partir de données de diffusion envoyées par la machine de paiement ; acquisition d'un compte de paiement lié au terminal mobile ; et envoi de l'identifiant d'appareil et du compte de paiement à un serveur de paiement, l'identifiant d'appareil permettant au serveur de paiement de recevoir des informations biométriques et l'identifiant d'appareil envoyés par la machine de paiement, détection du fait qu'un compte de paiement correspondant aux informations biométriques a été lié à l'identifiant d'appareil de la machine de paiement, et accomplissement d'une opération de paiement du compte de paiement correspondant aux informations biométriques. Le procédé permet à des utilisateurs de terminal mobile d'effectuer un paiement au moyen de l'acquisition d'informations biométriques au niveau de la machine de paiement sans actionner un terminal mobile, ce qui permet d'améliorer l'efficacité de paiement et l'expérience utilisateur pendant un paiement.
PCT/CN2020/072843 2019-02-01 2020-01-17 Procédé de paiement, dispositif, système, terminal mobile, machine de paiement et serveur WO2020156255A1 (fr)

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