CN109727015A - Method of payment and device - Google Patents
Method of payment and device Download PDFInfo
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- CN109727015A CN109727015A CN201811516041.0A CN201811516041A CN109727015A CN 109727015 A CN109727015 A CN 109727015A CN 201811516041 A CN201811516041 A CN 201811516041A CN 109727015 A CN109727015 A CN 109727015A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The invention discloses a kind of method of payment and devices, wherein method of payment includes: the payment request for carrying the first user biological characteristic information for receiving merchant end and sending；According to the first user biological characteristic information, second user associated with the first user biological feature is determined；It according to payment request, generates and pays information to be confirmed, and information to be confirmed will be paid and be sent to the corresponding client progress delivery operation of second user.The technical solution provided according to the present invention, realize the monitoring of delivery operation of the second user to the first user, enabling second user easily is first user's remote payment, effectively simplify delivery operation, the convenience of payment is improved, so that the first user can be readily achieved payment without carrying cash or mobile terminal.
Description
Technical field
The present invention relates to payment technology fields, and in particular to a kind of method of payment and device.
Background technique
With the continuous development of payment technology, people may not need carrying cash, be carried out using mobile terminals such as mobile phones
The operations such as barcode scanning can be readily achieved the payment of commodity purchasing.The existing common means of payment relates generally to move in mobile phone etc.
It downloads and installs in dynamic terminal and pay application, registration user account, binding bank card, setting payment cipher, scanning or generation two
Tie up the sequence of operations such as code, the selection means of payment and input payment cipher.However, being unfamiliar with movement for old man, children etc.
For the user group of terminal operation, operation involved in payment is excessively cumbersome, is not convenient to use, in addition, old man etc. are also frequent
Consumption fraud can not be efficiently identified, is easy by defraudation.For this kind of user group, someone is needed to assist or guard from side
Its delivery operation.
For the delivery operation for solving the problems, such as the user groups such as monitoring old man, application publication number is in CN104680372A
State's patent application provides a kind of transaction security method of payment, and this method payment terminal in payment process needs to be grasped according to transaction
Make instruction and send product trading information and disburser's identity information to associated verification terminal, by associated verification terminal carry out verifying and
Transaction payment can be carried out after agreeing to transaction, so that guardian can carry out far the related consumer for the personnel that needs are guarded
Journey supervision.However, still needing old man oneself at the payments such as mobile phone end after associated verification terminal agrees to transaction using this method
A series of delivery operations are carried out in end, however it remains payment involved in operation it is excessively cumbersome, the problem of being not convenient to use, lead
Cause payment efficiency lower.
Summary of the invention
In view of the above problems, it proposes on the present invention overcomes the above problem or at least be partially solved in order to provide one kind
State the method for payment and device of problem.
According to an aspect of the invention, there is provided a kind of method of payment, this method comprises:
Receive the payment request for carrying the first user biological characteristic information that merchant end is sent；
According to the first user biological characteristic information, second user associated with the first user biological feature is determined；
It according to payment request, generates and pays information to be confirmed, and information to be confirmed will be paid and be sent to second user correspondence
Client carry out delivery operation.
Further, it according to the first user biological characteristic information, determines and the first user biological feature associated second
User further comprises:
The first user biological feature is extracted from the first user biological characteristic information；
Judge the user biological feature to match with the first user biological feature whether is stored in database, if so,
Determine that user bound in the user biological feature to match is second user.
Further, this method further include:
If judge it is not stored in database have the user biological feature to match with the first user biological feature, to quotient
Family end returns to payment failure information.
Further, the first user biological characteristic information includes: the first user video information；According to payment request, generate
Paying information to be confirmed further comprises:
An at least video frame images are extracted from the first user video information；And/or generate the first user video information
Broadcast address；
The payment for carrying at least broadcast address of a video frame images and/or the first user video information is generated to true
Recognize information.
Further, the first user biological characteristic information further include: the first user speech information；
The payment for carrying at least broadcast address of a video frame images and/or the first user video information is generated to true
Recognizing information further comprises: generation carry at least the broadcast address of a video frame images and/or the first user video information,
And first user speech information payment information to be confirmed.
Further, before receiving the payment request for carrying the first user biological characteristic information that merchant end is sent,
This method further include:
Receive the first user biological feature that the corresponding client of second user is sent；
First user biological feature is verified, after verification passes through, by the first user biological characteristic storage to database
In, and the first user biological feature is bound with second user.
Further, will pay information to be confirmed be sent to the corresponding client of second user carry out delivery operation it
Afterwards, this method further include:
Video calling connection or voice communication connection are established between merchant end client corresponding with second user.
Further, this method further include:
When receiving the confirmation successful result that the corresponding client of second user is sent, from the corresponding payment of second user
Processing of withholing is carried out in account；
When receiving the confirmation failure result that the corresponding client of second user is sent, refusal to pay request.
According to another aspect of the present invention, a kind of payment affirmation method is provided, this method comprises:
Receive the payment information to be confirmed that server-side generates and sends according to payment request；Wherein, server-side is according to trade company
Hold send the payment request for carrying the first user biological characteristic information and determination it is associated with the first user biological feature
Second user；
The payment affirmation operation executed according to second user sends confirmation successful result to server-side, for server-side root
Processing of withholing is carried out from the corresponding payment account of second user according to confirmation successful result.
Further, it pays information to be confirmed and carries at least a video frame images and/or the first user video information
Broadcast address；
The payment affirmation operation executed according to second user, sending confirmation successful result to server-side further comprises: root
It is looked into according to second user by a verifying at least video frame images and/or the broadcast address by accessing the first user video information
It sees the payment affirmation operation executed after the first user video information, sends confirmation successful result to server-side.
Further, it pays information to be confirmed and also carries the first user speech information；
The payment affirmation operation executed according to second user, sending confirmation successful result to server-side further comprises: root
It is looked into according to second user by a verifying at least video frame images and/or the broadcast address by accessing the first user video information
See that the first user video information and the payment affirmation by executing after the first user speech information of verifying operate, to server-side
Send confirmation successful result.
Further, before receiving the payment information to be confirmed that server-side generates and sends according to payment request, the party
Method further include:
The the first user biological feature collected is obtained, and the first user biological feature is sent to server-side, for
Server-side verifies the first user biological feature, after verification passes through, by the first user biological characteristic storage into database,
And the first user biological feature is bound with second user.
According to another aspect of the present invention, a kind of payment mechanism is provided, which includes:
First receiving module is asked suitable for receiving the payment for carrying the first user biological characteristic information that merchant end is sent
It asks；
Determining module is suitable for according to the first user biological characteristic information, and determination is associated with the first user biological feature
Second user；
Generation module is suitable for generating according to payment request and paying information to be confirmed；
First sending module is sent to the corresponding client of second user suitable for will pay information to be confirmed and carries out payment behaviour
Make.
Further, it is determined that module is further adapted for:
The first user biological feature is extracted from the first user biological characteristic information；
Judge the user biological feature to match with the first user biological feature whether is stored in database, if so,
Determine that user bound in the user biological feature to match is second user.
Further, the first sending module is further adapted for:
If judge it is not stored in database have the user biological feature to match with the first user biological feature, to quotient
Family end returns to payment failure information.
Further, the first user biological characteristic information includes: the first user video information；Generation module is further fitted
In:
An at least video frame images are extracted from the first user video information；And/or generate the first user video information
Broadcast address；
The payment for carrying at least broadcast address of a video frame images and/or the first user video information is generated to true
Recognize information.
Further, the first user biological characteristic information further include: the first user speech information；
Generation module is further adapted for: generation carries at least a video frame images and/or the first user video information
Broadcast address and the first user speech information payment information to be confirmed.
Further, the first receiving module is further adapted for: being received the corresponding client of second user is sent first and is used
Family biological characteristic；
The device further include: verification memory module, suitable for being verified to the first user biological feature, after verification passes through,
By the first user biological characteristic storage into database, and the first user biological feature is bound with second user.
Further, the device further include:
Converse link block, suitable for established between merchant end client corresponding with second user video calling connection or
Voice communication connection.
Further, device further include: payment processing module receives the corresponding client hair of second user suitable for working as
When the confirmation successful result sent, processing of withholing is carried out from the corresponding payment account of second user；When receiving second user pair
When the confirmation failure result that the client answered is sent, refusal to pay request.
According to another aspect of the present invention, a kind of payment affirmation device is provided, which includes:
Second receiving module, the payment information to be confirmed generated and sent suitable for receiving server-side according to payment request；Its
In, server-side according to the payment request for carrying the first user biological characteristic information that merchant end is sent and determination with first use
The associated second user of family biological characteristic；
Second sending module confirms successfully suitable for the payment affirmation operation executed according to second user to server-side transmission
As a result, so that server-side carries out processing of withholing from the corresponding payment account of second user according to confirmation successful result.
Further, it pays information to be confirmed and carries at least a video frame images and/or the first user video information
Broadcast address；
Second sending module is further adapted for: by a verifying at least video frame images and/or being led to according to second user
The broadcast address for crossing the first user video information of access checks the payment affirmation operation executed after the first user video information, to clothes
Business end sends confirmation successful result.
Further, it pays information to be confirmed and also carries the first user speech information；
Second sending module is further adapted for: by a verifying at least video frame images and/or being led to according to second user
The broadcast address for crossing the first user video information of access checks the first user video information and by the first user speech of verifying
The payment affirmation operation executed after information sends confirmation successful result to server-side.
Further, device further include: module is obtained, suitable for obtaining the first user biological feature collected；
Second sending module is further adapted for: the first user biological feature being sent to server-side, so that server-side is to
One user biological feature is verified, and after verification passes through, by the first user biological characteristic storage into database, and first is used
Family biological characteristic is bound with second user.
According to another aspect of the present invention, provide a kind of calculating equipment, comprising: processor, memory, communication interface and
Communication bus, processor, memory and communication interface complete mutual communication by communication bus；
For memory for storing an at least executable instruction, it is corresponding that executable instruction makes processor execute above-mentioned method of payment
Operation.
According to another aspect of the present invention, a kind of computer storage medium is provided, at least one is stored in storage medium
Executable instruction, executable instruction make processor execute such as the corresponding operation of above-mentioned method of payment.
According to another aspect of the invention, provide a kind of calculating equipment, comprising: processor, memory, communication interface and
Communication bus, processor, memory and communication interface complete mutual communication by communication bus；
Memory makes processor execute above-mentioned payment affirmation method for storing an at least executable instruction, executable instruction
Corresponding operation.
In accordance with a further aspect of the present invention, a kind of computer storage medium is provided, at least one is stored in storage medium
Executable instruction, executable instruction make processor execute such as the corresponding operation of above-mentioned payment affirmation method.
The technical solution provided according to the present invention, can be according to the first user biological characteristic information in payment request, really
Fixed second user associated with the first user biological feature, generates and pays information to be confirmed, will pay information to be confirmed and send
Delivery operation is carried out to the corresponding client of second user, realizes the monitoring of delivery operation of the second user to the first user,
Enabling second user easily is first user's remote payment；Also, make the first user without carrying cash or movement
Terminal can be readily achieved payment, effectively simplify delivery operation, save the spent time in payment process,
The convenience for improving payment greatly improves user experience and payment efficiency, optimizes the means of payment, solves well
First user that determined not will use the problem of mobile terminal carries out delivery operation.
The above description is only an overview of the technical scheme of the present invention, in order to better understand the technical means of the present invention,
And it can be implemented in accordance with the contents of the specification, and in order to allow above and other objects of the present invention, feature and advantage can
It is clearer and more comprehensible, the followings are specific embodiments of the present invention.
Detailed description of the invention
By reading the following detailed description of the preferred embodiment, various other advantages and benefits are common for this field
Technical staff will become clear.The drawings are only for the purpose of illustrating a preferred embodiment, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings:
Fig. 1 shows the flow diagram of method of payment according to an embodiment of the present invention；
Fig. 2 shows the flow diagrams of payment affirmation method according to an embodiment of the present invention；
Fig. 3 shows the structural block diagram of payment mechanism according to an embodiment of the present invention；
Fig. 4 shows the structural block diagram of payment affirmation device according to an embodiment of the present invention；
Fig. 5 shows a kind of structural schematic diagram for calculating equipment according to an embodiment of the present invention.
Specific embodiment
Exemplary embodiments of the present disclosure are described in more detail below with reference to accompanying drawings.Although showing the disclosure in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
It is fully disclosed to those skilled in the art.
Fig. 1 shows the flow diagram of method of payment according to an embodiment of the present invention, as shown in Figure 1, this method includes
Following steps:
Step S100 receives the payment request for carrying the first user biological characteristic information that merchant end is sent.
This method is executed by server-side.Merchant end can be to be set in the super shop of quotient, Catering Pubs etc. to have camera shooting and hand over
The easily terminal device of the functions such as clearing.When the first user want in shop carry out settlement of transactions when, the first user only need to station arrive
Before merchant end in the shop, the first user biological characteristic information is acquired by merchant end.Wherein, the first user can be old man, youngster
Child etc. needs the user guarded, but is not limited to above-mentioned user.First user biological characteristic information may include the first user face
Portion's image, the first user video information and/or first user speech information etc..
By taking old man is the first user as an example, when old man, which has selected commodity in supermarket, to settle accounts, without carrying
Cash or mobile phone, need to only stand merchant end (such as cashier terminal) front in supermarket, and the biology of the old man is acquired by merchant end
Characteristic information obtains the first user biological characteristic information.Assuming that the first user biological characteristic information is the first user video information,
Old man can tell in video goes to bought which commodity needs to spend how much etc. oneself today for which supermarket, in addition, old man
In video can also be silent, only make the movement such as blink.
Collected first user biological characteristic information is added in payment request by merchant end, so that payment request carries
There is the first user biological characteristic information, in addition, can also carry merchant end ID, transaction shop, tradable commodity, friendship in payment request
The easy information such as the amount of money and/or exchange hour, herein without limitation.Then merchant end will carry the first user biological characteristic information
Payment request be sent to server-side, so that server-side is determining special with the first user biological according to the first user biological characteristic information
Levy associated second user.Wherein, second user refers to the user for guarding the first user, concretely the youngster of old man
Female, parent of children etc..
Step S101 is determined and the first user biological feature associated second according to the first user biological characteristic information
User.
After the payment request for receiving merchant end transmission, server-side is determined according to the first user biological characteristic information
Second user associated with the first user biological feature.Wherein, believed for the ease of server-side according to the first user biological feature
Breath determines that second user associated with the first user biological feature, server-side need to collect the first user biological feature in advance,
Utilize collected first user biological feature construction database.Specifically, server-side receives the corresponding client of second user
The the first user biological feature sent, then verifies the first user biological feature, after verification passes through, the first user is raw
Object characteristic storage is bound into database, and by the first user biological feature with the second user.Wherein, second user pair
The client answered can be the terminal devices such as the mobile phone of second user.
When second user carries out bindings using its client, adopted using picture pick-up device, fingerprint collecting equipment etc.
Collect the first user biological feature, wherein the first user biological feature can include: facial characteristics, phonetic feature, fingerprint characteristic, hand
Shape feature and/or iris feature etc..The the first user biological feature collected is sent to by the corresponding client of second user
Server-side；Server-side receives the first user biological feature that the corresponding client of second user is sent, and is verified using default feature
Algorithm verifies the first user biological feature；If verification passes through, by the first user biological characteristic storage into database,
First user biological feature is bound with the second user, and verifies to the corresponding client transmission of second user and successfully ties
Fruit；If verification does not pass through, verification failure result is sent to the corresponding client of second user, so that second user knows verification
Failure result is again acquired the first user biological feature.In addition, second user also needs benefit for the ease of withholing
Payment account and means of payment etc. are configured with second user corresponding client.Specifically, set payment account
The payment account that can be second user is also possible to the payment account of the first user, herein without limitation.The means of payment can be
Direct payment or confirmed rear payment.
After the payment request for receiving merchant end transmission, server-side extracts the from the first user biological characteristic information
One user biological feature judges the user biological feature to match with the first user biological feature whether is stored in database.
Wherein, using biometrics identification technology in the prior art, by what is stored in the first user biological feature and database
User biological feature is matched, and is searched special with the presence or absence of the user biological to match with the first user biological feature in database
Sign.
If judging to be stored with the user biological feature to match with the first user biological feature in database, it is determined that should
User bound in the user biological feature to match is second user；If judging not stored in database to have and the first user
The user biological feature that biological characteristic matches then returns to payment failure information to merchant end.Merchant end receives and shows service
The payment failure information returned is held, in this case, the first user may be selected to pay with other modes such as cashes, or
Person resurveys the first user biological characteristic information using merchant end, and carries the first user biological spy to server-side transmission
The payment request of reference breath.
Step S102 is generated according to payment request and is paid information to be confirmed, and will be paid information to be confirmed and be sent to second
The corresponding client of user carries out delivery operation.
If the means of payment set by second user associated with the first user biological feature is confirmed rear payment, that
It needs to generate and pay information to be confirmed according to payment request, and information to be confirmed will be paid to be sent to second user corresponding
Client is confirmed by second user to information to be confirmed is paid.Specifically, the first user biological characteristic information includes:
One user video information, wherein the first user video information includes multiple video frame images, can be from the first user video information
A middle extraction at least video frame images；And/or generate the broadcast address of the first user video information；Then it generates and carries
At least payment information to be confirmed of the broadcast address of a video frame images and/or the first user video information.Art technology
Personnel can the number according to actual needs to the video frame images extracted be configured, herein without limitation.
After generating payment information to be confirmed, server-side will pay information to be confirmed, and to be sent to second user corresponding
Client.In the corresponding client of second user, paying information to be confirmed can be showed in the form of notification message etc..It should
Second user confirms to information to be confirmed is paid, specifically, it may be verified that first shown in an at least video frame images
Whether user is oneself association user, and/or, the broadcast address of the first user video information of access checks the first user video
Information confirms whether the first user shown in the first user video information is oneself association user.
In the present invention, generation is to carry broadcasting for an at least video frame images and/or the first user video information
The payment information to be confirmed for putting address does not directly generate the payment information to be confirmed for carrying the first user video information,
To effectively reduce data processing amount and data traffic volume, improves the formation efficiency for paying information to be confirmed and send effect
Rate, while also helping to avoid the corresponding client of second user and consuming a large amount of flow due to receiving information to be confirmed；When
When paying information to be confirmed and carrying an at least video frame images, second user can be easily and quickly by checking video
Frame image confirms the identity of the first user；When the broadcasting for paying information to be confirmed and carrying the first user video information
When location, second user can check the first user video information conveniently by access broadcast address.
If paying information to be confirmed not only to have carried an at least video frame images but also carried the first user video information
Broadcast address, then second user can choose whether access broadcast address according to itself confirmation demand.If second user passes through
Checking video frame images can clearly confirm whether the first user in video frame images is oneself association user, that
Second user is not necessarily to access the broadcast address of the first user video information just to check the first user video information.
Optionally, payment request can also carry: the first user speech information；In step s 102 produce carry to
The payment of the broadcast address and the first user speech information of few video frame images and/or the first user video information to
Confirmation message.Second user more convenient, accurately can carry out really the identity of the first user according to information to be confirmed is paid
Recognize.Wherein, second user can verify that whether the first user shown in an at least video frame images is oneself association user,
And/or the broadcast address of the first user video information of access checks the first user video information to confirm that the first user video is believed
Whether the first user shown in breath is oneself association user and corresponding first user of the first user speech information of verifying
It whether is oneself association user.
When second user confirms that the first user is the association user of oneself, second user passes through its corresponding client
Payment affirmation operation is executed, then the corresponding client of second user is operated according to the payment affirmation that second user executes, to clothes
Business end sends confirmation successful result；When it is the association user of oneself that second user, which confirms the first user not, second user is logical
Its corresponding client executing refusal to pay operation is crossed, then the corresponding client of second user is refused according to what second user executed
Exhausted delivery operation sends confirmation failure result to server-side.
It is corresponding from second user when server-side receives the confirmation successful result that the corresponding client of second user is sent
Payment account in carry out processing of withholing, so that the monitoring of delivery operation of the second user to the first user is realized, so that
One user pays without using cash or the mobile phone of oneself etc., but is remotely paid by second user for it.
Payment result is known for the ease of merchant end, and after withholing successfully, server-side is paid to merchant end return successfully to be located
Reason shows that payment is successfully processed as a result, illustrating successfully to pay, then the first user is just as a result, merchant end is shown at it on screen
It may exit off shop.Using this method, old man, children etc. need to only stand in merchant end without carrying cash or mobile terminal
It is preceding that user biological characteristic information is acquired by merchant end, it can complete to pay after associated user confirmation, effectively simplify
The delivery operation of execution needed for old man, children etc., improves the convenience of payment efficiency and payment, additionally aids shortening and is lined up
Etc. the time to be paid.
Optionally, this method, which may also include that, establishes video calling between merchant end client corresponding with second user
Connection or voice communication connection.Assuming that server-side will pay information to be confirmed be sent to the corresponding client of second user it
Afterwards, the confirmation successful result that the corresponding client of second user is sent is not received always within a preset time, then can be in quotient
Video calling connection or voice communication connection are established between the client corresponding with second user of family end, enable the first user
It converses with second user, second user is reminded to execute payment affirmation operation as early as possible.
Optionally, this method may also include that when the confirmation failure result for receiving the corresponding client transmission of second user
When, refusal to pay request, and payment failure handling result is returned to merchant end.Specifically, if second user execution is refusal
Delivery operation is sent then the corresponding client of second user is operated according to the refusal to pay that second user executes to server-side
Confirm failure result.When server-side receives the confirmation failure result that the corresponding client of second user is sent, server-side is refused
The exhausted payment request, and payment failure handling is returned as a result, so merchant end shows payment on its display screen to merchant end
As a result, the failed payment of explanation, the first user can choose to pay in cash or other means of payment failure handling.
If the means of payment set by second user associated with the first user biological feature is direct payment, illustrate nothing
Need second user confirmation server-side directly can carry out processing of withholing from the corresponding payment account of second user, in success of withholing
Afterwards, payment is returned to merchant end be successfully processed result.
Method of payment provided in this embodiment can be determined according to the first user biological characteristic information in payment request
Second user associated with the first user biological feature generates and pays information to be confirmed, will pay information to be confirmed and be sent to
The corresponding client of second user carries out delivery operation, realizes the monitoring of delivery operation of the second user to the first user, makes
Second user can easily be first user's remote payment；Also, make the first user without carrying cash or movement eventually
End can be readily achieved payment, effectively simplify delivery operation, save the spent time in payment process, mention
The high convenience of payment, greatly improves user experience and payment efficiency, optimizes the means of payment, well solve
First user not will use the problem of mobile terminal carries out delivery operation.
Fig. 2 shows the flow diagrams of payment affirmation method according to an embodiment of the present invention, as shown in Fig. 2, this method
Include the following steps:
Step S200 receives the payment information to be confirmed that server-side generates and sends according to payment request.
This method is by the corresponding client executing of second user.Wherein, server-side carries according to what merchant end was sent
The payment request of one user biological characteristic information and the second user associated with the first user biological feature of determination.Specifically
Ground, server-side extract the first user biological feature from the first user biological characteristic information, judge whether be stored in database
The user biological feature to match with the first user biological feature, if judging to be stored in database and the first user biological spy
Levy the user biological feature to match, it is determined that user bound in the user biological feature to match is second user.Clothes
End be engaged according to payment request generation payment information to be confirmed, and is sent to the corresponding client of second user and pays letter to be confirmed
Breath, then in step s 200, the corresponding client of second user receives the payment information to be confirmed that server-side is sent.
Step S201 is operated according to the payment affirmation that second user executes, and sends confirmation successful result to server-side, for
Server-side carries out processing of withholing from the corresponding payment account of second user according to confirmation successful result.
Wherein, an at least video frame images and/or the first user video information can be carried by paying information to be confirmed
Broadcast address, then by a verifying at least video frame images and/or passing through access according to second user in step s 201
The broadcast address of first user video information checks the payment affirmation operation executed after the first user video information, sends out to server-side
Send confirmation successful result.After receiving payment information to be confirmed, show in the corresponding client of second user payment to
Confirmation message, second user can verify that the first user shown in an at least video frame images whether be oneself association use
Family, and/or, the broadcast address of the first user video information of access checks the first user video information to confirm the first user video
Whether the first user shown in information is oneself association user.When second user confirms that the first user is the association of oneself
When user, second user is by its corresponding client executing payment affirmation operation, then the corresponding client root of second user
The payment affirmation operation executed according to second user sends confirmation successful result to server-side.
Optionally, the first user speech information can be carried by paying information to be confirmed also, enable second user more
Easily and accurately the identity of the first user is confirmed.Specifically, in step s 201, verifying is passed through according to second user
An at least video frame images and/or the broadcast address by accessing the first user video information check that the first user video is believed
Breath and the payment affirmation by executing after the first user speech information of verifying operate, and send confirmation successful result to server-side.
Wherein, second user can verify that whether the first user shown in an at least video frame images is oneself association user, and/
Or, the broadcast address of the first user video information of access checks the first user video information to confirm in the first user video information
Whether the first user of display is the association user of oneself and whether verifies corresponding first user of the first user speech information
For the association user of oneself.When second user confirms that the first user is the association user of oneself, second user is right by its
The client executing payment affirmation operation answered, then the payment affirmation that the corresponding client of second user is executed according to second user
Operation sends confirmation successful result to server-side.
Optionally, the information such as tradable commodity, transaction amount can also be carried by paying information to be confirmed, and second user can be to friendship
Easy commodity and transaction amount are verified with the presence or absence of abnormal, help to ensure that the commodity that the first user is bought are not in ask
Topic.
Optionally, confirming the first user not when second user is the association user of oneself, alternatively, tradable commodity, transaction
The amount of money is deposited when abnormal, and second user is by its corresponding client executing refusal to pay operation, then second user is corresponding
Client is operated according to the refusal to pay that second user executes, and sends confirmation failure result to server-side.
Optionally, the payment for carrying the first user biological characteristic information sent for the ease of server-side according to merchant end
Request determines second user associated with the first user biological feature, and before step S200, this method may also include that acquisition
The the first user biological feature collected, and the first user biological feature is sent to server-side, so that server-side is to first
User biological feature is verified, after verification passes through, by the first user biological characteristic storage into database, and by the first user
Biological characteristic is bound with second user.
Specifically, the first user biological feature is acquired using picture pick-up device, fingerprint collecting equipment etc., second user is corresponding
The the first user biological feature collected is sent to server-side by client；Server-side receives the corresponding client of second user
The the first user biological feature sent, verifies the first user biological feature using default feature checking algorithm；If verification
Pass through, then server-side by the first user biological characteristic storage into database, by the first user biological feature and the second user
It is bound, and sends verification successful result to the corresponding client of second user；If verification does not pass through, server-side is to second
The corresponding client of user sends verification failure result, so that second user knows verification failure result, again to the first user
Biological characteristic is acquired.
Payment affirmation method provided in this embodiment, the payment that reception server-side generates and sends according to payment request is to true
Recognize information, and operated according to the payment affirmation that second user executes, confirmation successful result is sent to server-side, for server-side root
Processing of withholing is carried out from the corresponding payment account of second user according to confirmation successful result, realizes second user to the first user
Delivery operation monitoring, it is ensured that the commodity that the first user is bought are not in problem, effectively reduce cheated feelings
Condition, and can also be easily first user's remote payment, the delivery operation of the first user is effectively simplified, branch is improved
The convenience paid.
Fig. 3 shows the structural block diagram of payment mechanism according to an embodiment of the present invention, which may be disposed in server-side.
As shown in figure 3, the device 300 includes: the first receiving module 310, determining module 320, generation module 330 and the first sending module
340。
First receiving module 310 is suitable for: receiving the payment for carrying the first user biological characteristic information that merchant end is sent
Request.
Determining module 320 is suitable for: according to the first user biological characteristic information, determination is associated with the first user biological feature
Second user.
Optionally it is determined that module 320 is further adapted for: extracting the first user biological from the first user biological characteristic information
Feature；Judge the user biological feature to match with the first user biological feature whether is stored in database, if so, determining
User bound in the user biological feature to match is second user.
Generation module 330 is suitable for: according to payment request, generating and pays information to be confirmed.
Optionally, the first user biological characteristic information includes: the first user video information；Generation module 330 is further fitted
In: an at least video frame images are extracted from the first user video information；And/or generate broadcasting for the first user video information
Put address；The payment for carrying at least broadcast address of a video frame images and/or the first user video information is generated to true
Recognize information.
Optionally, the first user biological characteristic information may also include that the first user speech information.So generation module 330
Be further adapted for: generation carries an at least video frame images and/or broadcast address, the Yi Ji of the first user video information
The payment information to be confirmed of one user speech information.
First sending module 340 is suitable for: will pay information to be confirmed and is sent to the corresponding client of second user and props up
Pay operation.
Optionally, the first sending module 340 is further adapted for: if judging not stored in database to have and the first user is raw
The user biological feature that object feature matches then returns to payment failure information to merchant end.
First receiving module 310 is further adapted for: receiving the confirmation successful result that the corresponding client of second user is sent
Or confirmation failure result.
Optionally, which may also include that payment processing module 350, receive the corresponding client of second user suitable for working as
When holding the confirmation successful result sent, processing of withholing is carried out from the corresponding payment account of second user；When receiving the second use
When the confirmation failure result that the corresponding client in family is sent, refusal to pay request；First sending module 340 is further adapted for: when
It withholds when handling successfully, returns to payment to merchant end and be successfully processed result；It is sent when receiving the corresponding client of second user
Confirmation failure result when, to merchant end return payment failure handling result.
Optionally, the first receiving module 310 is further adapted for: being received the corresponding client of second user is sent first and is used
Family biological characteristic；The device 300 further include: verification memory module 360, suitable for being verified to the first user biological feature, school
It tests by rear, by the first user biological characteristic storage into database, and the first user biological feature and second user is carried out
Binding.
Optionally, device 300 further include: call link block 370 is suitable in merchant end visitor corresponding with second user
Video calling connection or voice communication connection are established between the end of family.
Payment mechanism provided in this embodiment can be determined according to the first user biological characteristic information in payment request
Second user associated with the first user biological feature generates and pays information to be confirmed, will pay information to be confirmed and be sent to
The corresponding client of second user carries out delivery operation, realizes the monitoring of delivery operation of the second user to the first user, makes
Second user can easily be first user's remote payment；Also, make the first user without carrying cash or movement eventually
End can be readily achieved payment, effectively simplify delivery operation, save the spent time in payment process, mention
The high convenience of payment, greatly improves user experience and payment efficiency, optimizes the means of payment, well solve
First user not will use the problem of mobile terminal carries out delivery operation.
Fig. 4 shows the structural block diagram of payment affirmation device according to an embodiment of the present invention, which may be disposed at second
In the corresponding client of user.As shown in figure 4, the device 400 includes: the second receiving module 410 and the second sending module 420.
Second receiving module 410 is suitable for: receiving the payment information to be confirmed that server-side generates and sends according to payment request.
Wherein, server-side according to the payment request for carrying the first user biological characteristic information that merchant end is sent and determination with first
The associated second user of user biological feature.
Second sending module 420 is suitable for: according to second user execute payment affirmation operate, to server-side send confirmation at
Function is as a result, so that server-side carries out processing of withholing from the corresponding payment account of second user according to confirmation successful result.
Optionally, it pays information to be confirmed and carries an at least video frame images and/or the first user video information
Broadcast address；Second sending module 420 is further adapted for: according to second user by verifying at least video frame images and/
Or the broadcast address by accessing the first user video information checks that the payment affirmation executed after the first user video information operates,
Confirmation successful result is sent to server-side.
Optionally, it pays information to be confirmed and also carries the first user speech information；Second sending module 420 is further fitted
In: a verifying at least video frame images and/or the broadcasting by accessing the first user video information are passed through according to second user
Address checks that the first user video information and the payment affirmation by executing after the first user speech information of verifying operate, to
Server-side sends confirmation successful result.
Optionally, the device 400 further include: module 430 is obtained, it is special suitable for obtaining the first user biological collected
Sign.Second sending module 420 is further adapted for: the first user biological feature being sent to server-side, so that server-side is to first
User biological feature is verified, after verification passes through, by the first user biological characteristic storage into database, and by the first user
Biological characteristic is bound with second user.
Payment affirmation device provided in this embodiment, the payment that reception server-side generates and sends according to payment request is to true
Recognize information, and operated according to the payment affirmation that second user executes, confirmation successful result is sent to server-side, for server-side root
Processing of withholing is carried out from the corresponding payment account of second user according to confirmation successful result, realizes second user to the first user
Delivery operation monitoring, it is ensured that the commodity that the first user is bought are not in problem, effectively reduce cheated feelings
Condition, and can also be easily first user's remote payment, the delivery operation of the first user is effectively simplified, branch is improved
The convenience paid.
The present invention also provides a kind of nonvolatile computer storage media, computer storage medium is stored at least one can
It executes instruction, the method for payment in above-mentioned any means embodiment can be performed in executable instruction.
Fig. 5 shows a kind of structural schematic diagram for calculating equipment according to an embodiment of the present invention, the specific embodiment of the invention
The specific implementation for calculating equipment is not limited.
As shown in figure 5, the calculating equipment may include: processor (processor) 502, communication interface
(Communications Interface) 504, memory (memory) 506 and communication bus 508.
Wherein:
Processor 502, communication interface 504 and memory 506 complete mutual communication by communication bus 508.
Communication interface 504, for being communicated with the network element of other equipment such as client or other servers etc..
Processor 502 can specifically execute the correlation step in above-mentioned method of payment embodiment for executing program 510.
Specifically, program 510 may include program code, which includes computer operation instruction.
Processor 502 may be central processor CPU or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or be arranged to implement the integrated electricity of one or more of the embodiment of the present invention
Road.The one or more processors that equipment includes are calculated, can be same type of processor, such as one or more CPU；It can also
To be different types of processor, such as one or more CPU and one or more ASIC.
Memory 506, for storing program 510.Memory 506 may include high speed RAM memory, it is also possible to further include
Nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Program 510 specifically can be used for so that processor 502 executes the method for payment in above-mentioned any means embodiment.Journey
The specific implementation of each step may refer to corresponding description in corresponding steps and unit in above-mentioned payment embodiment in sequence 510,
This will not be repeated here.It is apparent to those skilled in the art that for convenience and simplicity of description, foregoing description is set
Standby and module specific work process, can refer to corresponding processes in the foregoing method embodiment description, details are not described herein.
The present invention also provides a kind of nonvolatile computer storage media, computer storage medium is stored at least one can
It executes instruction, the payment affirmation method in above-mentioned any means embodiment can be performed in executable instruction.
The present invention also provides a kind of calculating equipment, comprising: processor, memory, communication interface and communication bus, processing
Device, memory and communication interface complete mutual communication by communication bus；Memory is for storing at least one executable finger
It enables, executable instruction makes processor execute the above-mentioned corresponding operation of payment affirmation method.The structural schematic diagram of the calculating equipment
Identical as the calculating structural schematic diagram of equipment shown in fig. 5, details are not described herein again.
Algorithm and display are not inherently related to any particular computer, virtual system, or other device provided herein.
Various general-purpose systems can also be used together with teachings based herein.As described above, it constructs required by this kind of system
Structure be obvious.In addition, the present invention is also not directed to any particular programming language.It should be understood that can use various
Programming language realizes summary of the invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the instructions provided here, numerous specific details are set forth.It is to be appreciated, however, that implementation of the invention
Example can be practiced without these specific details.In some instances, well known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this specification.
Similarly, it should be understood that in order to simplify the disclosure and help to understand one or more of the various inventive aspects,
Above in the description of exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the disclosed method should not be interpreted as reflecting the following intention: i.e. required to protect
Shield the present invention claims features more more than feature expressly recited in each claim.More precisely, as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following specific embodiment are expressly incorporated in the specific embodiment, wherein each claim itself
All as a separate embodiment of the present invention.
Those skilled in the art will understand that can be carried out adaptively to the module in the equipment in embodiment
Change and they are arranged in one or more devices different from this embodiment.It can be the module or list in embodiment
Member or component are combined into a module or unit or component, and furthermore they can be divided into multiple submodule or subelement or
Sub-component.Other than such feature and/or at least some of process or unit exclude each other, it can use any
Combination is to all features disclosed in this specification (including adjoint claim, abstract and attached drawing) and so disclosed
All process or units of what method or apparatus are combined.Unless expressly stated otherwise, this specification is (including adjoint power
Benefit require, abstract and attached drawing) disclosed in each feature can carry out generation with an alternative feature that provides the same, equivalent, or similar purpose
It replaces.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included certain features rather than other feature, but the combination of the feature of different embodiments mean it is of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
Meaning one of can in any combination mode come using.
Various component embodiments of the invention can be implemented in hardware, or to run on one or more processors
Software module realize, or be implemented in a combination thereof.It will be understood by those of skill in the art that can be used in practice
Microprocessor or digital signal processor (DSP) realize one of some or all components according to embodiments of the present invention
A little or repertoire.The present invention is also implemented as setting for executing some or all of method as described herein
Standby or program of device (for example, computer program and computer program product).It is such to realize that program of the invention deposit
Storage on a computer-readable medium, or may be in the form of one or more signals.Such signal can be from because of spy
It downloads and obtains on net website, be perhaps provided on the carrier signal or be provided in any other form.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and ability
Field technique personnel can be designed alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference symbol between parentheses should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" located in front of the element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of several different elements and being come by means of properly programmed computer real
It is existing.In the unit claims listing several devices, several in these devices can be through the same hardware branch
To embody.The use of word first, second, and third does not indicate any sequence.These words can be explained and be run after fame
Claim.
Claims (10)
1. a kind of method of payment, which comprises
Receive the payment request for carrying the first user biological characteristic information that merchant end is sent；
According to the first user biological characteristic information, second user associated with the first user biological feature is determined；
It according to the payment request, generates and pays information to be confirmed, and the payment information to be confirmed is sent to described second
The corresponding client of user carries out delivery operation.
2. described according to the first user biological characteristic information according to the method described in claim 1, wherein, determine and the
The one associated second user of user biological feature further comprises:
The first user biological feature is extracted from the first user biological characteristic information；
Judge the user biological feature to match with the first user biological feature whether is stored in database, if so,
Determine that user bound in the user biological feature to match is second user.
3. according to the method described in claim 2, wherein, the method also includes:
If judge it is not stored in database have the user biological feature to match with the first user biological feature, to institute
It states merchant end and returns to payment failure information.
4. method according to claim 1-3, wherein the first user biological characteristic information includes: first
User video information；It is described according to the payment request, generate and pay information to be confirmed and further comprise:
An at least video frame images are extracted from first user video information；And/or generate first user video
The broadcast address of information；
Generate the payment for carrying at least broadcast address of a video frame images and/or first user video information
Information to be confirmed.
5. according to the method described in claim 4, wherein, the first user biological characteristic information further include: first user's language
Message breath；
The generation carries at least broadcast address of a video frame images and/or first user video information
Paying information to be confirmed further comprises: generation carries an at least video frame images and/or first user view
The payment information to be confirmed of the broadcast address of frequency information and the first user speech information.
6. a kind of payment affirmation method, which comprises
Receive the payment information to be confirmed that server-side generates and sends according to payment request；Wherein, the server-side is according to trade company
Hold send the payment request for carrying the first user biological characteristic information and determination it is associated with the first user biological feature
Second user；
The payment affirmation operation executed according to second user, Xiang Suoshu server-side sends confirmation successful result, for the service
End carries out processing of withholing from the corresponding payment account of the second user according to the confirmation successful result.
7. a kind of payment mechanism, described device include:
First receiving module, the payment request for carrying the first user biological characteristic information sent suitable for receiving merchant end；
Determining module is suitable for according to the first user biological characteristic information, and determination is associated with the first user biological feature
Second user；
Generation module is suitable for generating according to the payment request and paying information to be confirmed；
First sending module is propped up suitable for the payment information to be confirmed is sent to the corresponding client of the second user
Pay operation.
8. a kind of payment affirmation device, described device include:
Second receiving module, the payment information to be confirmed generated and sent suitable for receiving server-side according to payment request；Wherein, institute
Server-side is stated according to the payment request for carrying the first user biological characteristic information that merchant end is sent and determination is used with first
The associated second user of family biological characteristic；
Second sending module, suitable for the payment affirmation operation executed according to second user, the transmission of Xiang Suoshu server-side confirms successfully
As a result, so that the server-side is withholdd from the corresponding payment account of the second user according to the confirmation successful result
Processing.
9. a kind of calculating equipment, comprising: processor, memory, communication interface and communication bus, the processor, the storage
Device and the communication interface complete mutual communication by the communication bus；
The memory executes the processor as right is wanted for storing an at least executable instruction, the executable instruction
Ask the corresponding operation of method of payment described in any one of 1-5.
10. a kind of computer storage medium, an at least executable instruction, the executable instruction are stored in the storage medium
Processor is set to execute the corresponding operation of method of payment according to any one of claims 1 to 5.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811516041.0A CN109727015A (en) | 2018-12-12 | 2018-12-12 | Method of payment and device |
| PCT/CN2019/124525 WO2020119713A1 (en) | 2018-12-12 | 2019-12-11 | Payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811516041.0A CN109727015A (en) | 2018-12-12 | 2018-12-12 | Method of payment and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109727015A true CN109727015A (en) | 2019-05-07 |
Family
ID=66294921
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811516041.0A Pending CN109727015A (en) | 2018-12-12 | 2018-12-12 | Method of payment and device |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN109727015A (en) |
| WO (1) | WO2020119713A1 (en) |
Cited By (5)
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| WO2020119713A1 (en) * | 2018-12-12 | 2020-06-18 | 浙江口碑网络技术有限公司 | Payment method and device |
| CN111355722A (en) * | 2020-02-25 | 2020-06-30 | 支付宝(杭州)信息技术有限公司 | Method, system and non-transitory storage medium for associating biological characteristics with virtual resources |
| CN113592468A (en) * | 2021-07-12 | 2021-11-02 | 见面(天津)网络科技有限公司 | Online payment method and device based on two-dimensional code |
| CN114936359A (en) * | 2022-07-20 | 2022-08-23 | 深圳市木浪云科技有限公司 | User authentication method and system based on biological person and social person |
| CN116308374A (en) * | 2022-12-08 | 2023-06-23 | 重庆市易平方科技有限公司 | A payment method and device based on an intelligent terminal |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115601028A (en) * | 2022-09-09 | 2023-01-13 | 中国银行股份有限公司（Cn） | Terminal device payment method and device, storage medium and electronic device |
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| CN104077689A (en) * | 2013-10-30 | 2014-10-01 | 腾讯科技（深圳）有限公司 | Information verification method, relevant device and system |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020119713A1 (en) * | 2018-12-12 | 2020-06-18 | 浙江口碑网络技术有限公司 | Payment method and device |
| CN111355722A (en) * | 2020-02-25 | 2020-06-30 | 支付宝(杭州)信息技术有限公司 | Method, system and non-transitory storage medium for associating biological characteristics with virtual resources |
| WO2021169731A1 (en) * | 2020-02-25 | 2021-09-02 | 支付宝(杭州)信息技术有限公司 | Method for associating biological characteristic with virtual resource, system, and non-transitory storage medium |
| CN113592468A (en) * | 2021-07-12 | 2021-11-02 | 见面(天津)网络科技有限公司 | Online payment method and device based on two-dimensional code |
| CN113592468B (en) * | 2021-07-12 | 2022-11-01 | 见面(天津)网络科技有限公司 | Online payment method and device based on two-dimensional code |
| CN114936359A (en) * | 2022-07-20 | 2022-08-23 | 深圳市木浪云科技有限公司 | User authentication method and system based on biological person and social person |
| CN114936359B (en) * | 2022-07-20 | 2022-11-01 | 深圳市木浪云科技有限公司 | User authentication method and system based on biological and social person |
| CN116308374A (en) * | 2022-12-08 | 2023-06-23 | 重庆市易平方科技有限公司 | A payment method and device based on an intelligent terminal |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020119713A1 (en) | 2020-06-18 |
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