CN106096964A

CN106096964A - Method of payment and device

Info

Publication number: CN106096964A
Application number: CN201610379213.9A
Authority: CN
Inventors: 赵子龙; 史大龙; 刘玮
Original assignee: Beijing Xiaomi Mobile Software Co Ltd
Current assignee: Beijing Xiaomi Mobile Software Co Ltd
Priority date: 2016-05-31
Filing date: 2016-05-31
Publication date: 2016-11-09
Anticipated expiration: 2036-05-31
Also published as: CN106096964B

Abstract

The disclosure is directed to a kind of method of payment and device.Described method includes: when receiving the payment request that user triggers, determine the age bracket belonging to described user；If the age bracket belonging to described user is for presetting age bracket, then controls described first terminal and perform to have refused the operation of payment transaction.Disclosure technical scheme can avoid child the most just to have purchased relevant stage property and product in study and game process, the property of user is caused unnecessary loss, and then the property safety of protection user, optimizes Consumer's Experience.

Description

Method of payment and device

Technical field

It relates to networking technology area, particularly relate to a kind of method of payment and device.

Background technology

Extensive along with various electric terminals is applied, the user of contacting electronic equipments the most increasingly rejuvenation, smart mobile phone, The electronic equipments such as panel computer are also shared with the child of oneself as learning and entertainment tool by the head of a family.But in correlation technique, Payment in electronic equipment does not has corresponding payment protection so that child just buys in study and game process unconsciously Relevant stage property and product, cause unnecessary loss to the property of user.

Summary of the invention

For overcoming problem present in correlation technique, disclosure embodiment provides a kind of method of payment and device, in order to solve Certainly due to the problem not having corresponding payment protection to cause user's property loss in electronic equipment.

First aspect according to disclosure embodiment, it is provided that a kind of method of payment, applies on first terminal, including:

When receiving the payment request that user triggers, determine the age bracket belonging to described user；

If the age bracket belonging to described user is for presetting age bracket, then controls described first terminal execution refusal and complete to prop up Pay the operation of transaction.

In one embodiment, the described first terminal of described control performs to have refused the operation of payment transaction, it may include:

Close the payment transaction page；

Generating the first payment response message, wherein, the first payment response message is used for representing that refusal performs described payment and asks Ask corresponding delivery operation.

Sending checking message to the second terminal, wherein, described checking message is used for reminding user described in described second terminal Trigger described payment by described first terminal to ask；

Receive the authentication response information that described second terminal returns according to described checking message；

Determine whether the holder of described second terminal allows to perform described payment and ask according to described authentication response information Corresponding delivery operation；

If determining that the holder of described second terminal allows to perform described payment and asks according to described authentication response information Corresponding delivery operation, then generate the second payment response message, and wherein, described second payment response message is used for indicating described use Family input pays key；

Determine whether to perform described according to the payment key of described second payment response message input according to described user Pay the delivery operation that request is corresponding；

If determining that the holder of described second terminal does not allows to perform described payment and asks according to described authentication response information Ask corresponding delivery operation, then perform the described first terminal of described control and perform to have refused the step of the operation of payment transaction.

In one embodiment, described true according to the payment key of described second payment response message input according to described user The fixed delivery operation whether performing described payment request correspondence, it may include:

Determine that described user is the most correct according to the payment key of described second payment response message input；

If described payment key is correct, then perform the described delivery operation paying request correspondence；

If described payment key is incorrect, then generate described first payment response message.

Generating the second payment response message, wherein, described second payment response message is used for indicating described user input Pay key；

Determine whether to perform described according to the payment key of described second payment response message input according to described user Pay the delivery operation that request is corresponding.

In one embodiment, described default age bracket includes first presetting age bracket, second presetting age bracket and the 3rd pre- If age bracket；

When the age bracket belonging to described user be first preset age bracket time, the described first terminal of described control performs refusal Complete the operation of payment transaction, including: close the payment transaction page, and generate the first payment response message, wherein, first Pay response message for representing that refusal performs the delivery operation that described payment request is corresponding；

When the age bracket belonging to described user be second preset age bracket time, the described first terminal of described control performs refusal Complete the operation of payment transaction, including: determining whether to perform described payment by the second terminal and payment key two-layer checking please Ask corresponding delivery operation；If it is determined that perform the described delivery operation paying request correspondence, then control described first terminal and hold Row is described pays the operation that request is corresponding；If it is determined that do not perform the described delivery operation paying request correspondence, then control described First terminal performs to have refused the operation of payment transaction；

When the age bracket belonging to described user be the 3rd preset age bracket time, the described first terminal of described control performs refusal Complete the operation of payment transaction, including: generating the second payment response message, wherein, described second payment response message is used for referring to Show that described user inputs payment key；And the payment key inputted according to described second payment response message according to described user Determine whether to perform the described delivery operation paying request correspondence.

In one embodiment, the described age bracket determined belonging to described user, it may include:

The face-image of described user is obtained by camera head；

Extract the feature of described face-image, obtain the facial characteristics of described user；

According to the facial characteristics of described user, determine the age bracket belonging to described user.

Described user touch manner on described touch screen during trigger action is obtained by touch screen；

According to described touch manner, determine the age bracket belonging to described user.

Second aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies on first terminal, including:

Age bracket determines module, when being configured as the payment request receiving user's triggering, determines belonging to described user Age bracket；

Refusal to pay module, if being configured to described age bracket to determine that module determines that the age bracket belonging to user is default Age bracket, then control described first terminal and perform to have refused the operation of payment transaction.

In one embodiment, described refusal to pay module comprises the steps that

First closes closed submodule, is configured to close the payment transaction page；

First generates submodule, is configurable to generate the first payment response message, and wherein, the first payment response message is used for Represent that refusal performs described payment and asks corresponding delivery operation.

In one embodiment, described refusal to pay module comprises the steps that

First checking submodule, is configured to send checking message to the second terminal, and wherein, described checking message is used for carrying User described in described second terminal of waking up triggers described payment by described first terminal and asks；

Receive submodule, be configured to receive described second terminal and test according to described first checking submodule transmission The authentication response information that card message returns；

Payment determines submodule, is configured to the described authentication response information according to described reception submodule receives and determines Whether the holder of described second terminal allows to perform the described delivery operation paying request correspondence；

Second generates submodule, if being configured to described payment to determine that submodule determines according to described authentication response information The holder of described second terminal allows to perform the described delivery operation paying request correspondence, then generate the second payment response and disappear Breath, wherein, described second payment response message is used for indicating described user to input payment key；

First determines submodule, is configured to generate that submodule generates according to described second according to described user described the The key that pays of two payment response message inputs determines whether to perform the described delivery operation paying request correspondence；

Controlling submodule, determining if being configured to the described authentication response information according to described reception submodule receives The holder of described second terminal does not allows to perform the described delivery operation paying request correspondence, then control described refusal to pay mould Block performs the described first terminal of described control and performs to have refused the step of the operation of payment transaction.

In one embodiment, described first determines that submodule includes:

Second determines submodule, is configured to determine that the described user payment according to described second payment response message input Key is the most correct；

Paying submodule, if being configured to described second to determine that submodule determines that described payment key is correct, then performing The described delivery operation paying request correspondence；

3rd generates submodule, if being configured to described second to determine that submodule determines that described payment key is incorrect, Then generate described first payment response message.

In one embodiment, described refusal to pay module comprises the steps that

4th generates submodule, is configurable to generate the second payment response message, wherein, described second payment response message For indicating described user to input payment key；

3rd determines submodule, is configured to generate that submodule generates according to the described 4th according to described user described the The key that pays of two payment response message inputs determines whether to perform the described delivery operation paying request correspondence.

When the age bracket belonging to described user be first preset age bracket time, described refusal to pay module includes: second close Closed submodule, is configured to close the payment transaction page；5th generates submodule, is configurable to generate the first payment response and disappears Breath, wherein, the first payment response message is for representing that refusal performs the delivery operation that described payment request is corresponding；

When the age bracket belonging to described user be second preset age bracket time, described refusal to pay module includes: second tests Card submodule, is configured to the second terminal with paying key two-layer and verifying and determines whether that performing described payment asks corresponding Delivery operation；Implementation sub-module, if being configured to described second checking submodule to determine that performing described payment asks correspondence Delivery operation, then control described first terminal and perform the described operation paying request correspondence；Refusal submodule, if be configured to Described second checking submodule determines that not performing described payment asks corresponding delivery operation, then control described first terminal and perform Refuse the operation of payment transaction；

When the age bracket belonging to described user be the 3rd preset age bracket time, described refusal to pay module includes: the 6th is raw Becoming submodule, be configurable to generate the second payment response message, wherein, described second payment response message is used for indicating described use Family input pays key；4th determines submodule, is configured to generate submodule according to described user according to the described 6th and generates The key that pays of described second payment response message input determine whether to perform described to pay the delivery operation that request is corresponding.

In one embodiment, described age bracket determines that module comprises the steps that

Image Acquisition submodule, is configured to camera head and obtains the face-image of described user；

Extract submodule, be configured to extract the feature of the described face-image that described Image Acquisition submodule obtains, Facial characteristics to described user；

5th determines submodule, is configured to the facial characteristics of the described user extracted according to described extraction submodule, really Fixed age bracket belonging to described user.

Touch manner determines submodule, is configured to the touch screen described user of acquisition and triggers behaviour on described touch screen Touch manner when making；

6th determines submodule, is configured to determine, according to described touch manner, the described touch manner that submodule determines, Determine the age bracket belonging to described user.

The third aspect according to disclosure embodiment, it is provided that a kind of payment mechanism, applies on first terminal, including:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to:

Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: when first terminal receives user During the payment request triggered, it may be determined that trigger the age bracket of the user of this payment request, determine whether that execution is refused according to age bracket Complete absolutely the operation of payment transaction, if age bracket for preset age bracket, such as, if age of user section be 1-5 year age Section, owing to the user of this age bracket does not the most have a money idea, and does not have and actively buys one and service or product Consciousness, therefore can determine that this user be not subjectively trigger pay request, can perform to have refused the operation of payment transaction, because of And child can be avoided the most just to have purchased relevant stage property and product in study and game process, the property to user Cause unnecessary loss, and then the property safety of protection user, optimize Consumer's Experience.

Further, the operation of refusal to pay transaction can be realized by closing the payment transaction page, and by generating the first payment Response message can remind user's first terminal to have rejected a certain payment transaction, if the guardian presetting the user of age bracket sees This response message, then can remind guardian that some operation may trigger payment transaction, so that guardian can be to first terminal Carry out some payment protection settings, be further ensured that user's property safety.

By sending checking message to the associated terminal of first terminal, such as the second terminal, ask the holder of the second terminal true Fixed whether permission performs the delivery operation that first user triggers, and both may insure that the delivery operation of this age bracket was by the second terminal The monitoring of holder, the conscious purchase operation of the user that can realize again this age bracket can be done, and optimizes user's body Test.

The face-image of user is obtained or according to touch during user's trigger action on the touchscreen by camera head Mode, can accurately determine the age bracket of user, and then determine whether to perform to have refused payment transaction according to age bracket Operation, thus can avoid child study and game process in the most just have purchased relevant stage property and product, to The property at family causes unnecessary loss, and then the property safety of protection user, optimizes Consumer's Experience.

It should be appreciated that it is only exemplary and explanatory, not that above general description and details hereinafter describe The disclosure can be limited.

Accompanying drawing explanation

Accompanying drawing herein is merged in description and constitutes the part of this specification, it is shown that meet the enforcement of the present invention Example, and for explaining the principle of the present invention together with description.

Figure 1A is the flow chart according to the method for payment shown in an exemplary embodiment.

Figure 1B is the scene graph according to the method for payment shown in an exemplary embodiment.

Fig. 2 A is the flow chart according to the method for payment shown in an exemplary embodiment one.

Fig. 2 B is the flow chart according to the step 206 shown in an exemplary embodiment one.

Fig. 3 is the flow chart according to the method for payment shown in an exemplary embodiment two.

Fig. 4 is the flow chart according to the method for payment shown in an exemplary embodiment three.

Fig. 5 is the stream according to the method with affiliated age bracket of being determined by camera head shown in an exemplary embodiment Cheng Tu.

Fig. 6 is the stream according to the method being determined age bracket belonging to user by touch screen shown in an exemplary embodiment Cheng Tu.

Fig. 7 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment.

Fig. 8 is the block diagram according to the another kind of payment mechanism shown in an exemplary embodiment.

Fig. 9 is the block diagram according to another payment mechanism shown in an exemplary embodiment.

Figure 10 is according to a kind of block diagram being applicable to payment mechanism shown in an exemplary embodiment.

Detailed description of the invention

Here will illustrate exemplary embodiment in detail, its example represents in the accompanying drawings.Explained below relates to During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represents same or analogous key element.Following exemplary embodiment Described in embodiment do not represent all embodiments consistent with the present invention.On the contrary, they are only with the most appended The example of the apparatus and method that some aspects that described in detail in claims, the present invention are consistent.

Figure 1A is the flow chart according to the method for payment shown in an exemplary embodiment, and Figure 1B is according to an exemplary enforcement The scene graph of the method for payment exemplified；This method of payment can be applied first terminal (such as: smart mobile phone, panel computer) On, as shown in Figure 1A, this method of payment comprises the following steps:

In a step 101, when receiving the payment request that user is triggered by first terminal, the year belonging to user is determined Age section.

In one embodiment, user can trigger, by performing clicking operation on the touchscreen, the request of payment.

In one embodiment, first terminal can pass through camera head, and such as photographic head, (wherein, this photographic head can preset Rotate in angular range) obtain the face-image of user, and determine user institute according to the facial characteristics extracted in face-image The age bracket belonged to；In another embodiment, first terminal can also determine user's trigger action on the touchscreen by touch screen Time touch manner determine the age bracket belonging to user.The side of age bracket belonging to user is determined by camera head, touch screen Formula specifically can be found in the embodiment shown in Fig. 5-Fig. 6, does not first describe in detail here.

In a step 102, if the age bracket belonging to user is for presetting age bracket, then controls first terminal and perform to have refused Become the operation of payment transaction.

In one embodiment, first terminal can directly close the payment transaction page to stop the payment transaction that user triggers Operation, and the first payment response message can be generated, user's first terminal can be reminded to have rejected a certain payment transaction.

In one embodiment, first terminal can also be by the associated terminal of first terminal, and the such as second terminal is tested The double-deck checking of card and payment key controls first terminal and performs to have refused the operation of payment transaction, can be found in Fig. 2 A and implements The description of example, does not first describe in detail here.

In one embodiment, first terminal can also by pay key authentication control first terminal perform refusal complete The operation of payment transaction, can be found in the description of Fig. 3 embodiment, does not first describe in detail here.

In one embodiment, the age bracket of user can be divided into plural previously according to empirical data by first terminal Preset age bracket, such as, be divided into three default age brackets, be respectively and preset age bracket, second preset age bracket, the 3rd preset year Age section.In one embodiment, can arrange first preset age bracket be 1-5 year age bracket, the user of this age bracket is general the most not There is money idea, and do not have and actively buy a service or the consciousness of product；In another embodiment, can be arranged Two preset the age bracket that age bracket is 6-16 year, and wherein the user in 6-16 year the most only has shopping idea, does not have electronics and purchases The idea of thing；In another embodiment, the 3rd can be arranged and preset the age bracket that age bracket is more than 16 years old, the user of more than 16 years old Typically there is the idea of electronic business transaction.The concrete age corresponding to each default age bracket is not limited, also by the disclosure The number of the concrete age bracket divided is not limited.The payment request triggered for the user of each default age bracket is held The operation of row can be found in the description of Fig. 4 embodiment, does not first describe in detail here.

In an exemplary scenario, as shown in Figure 1B, first terminal and the second terminal are all illustrated with smart mobile phone, User trigger on first terminal 110 payment request time, if the age bracket belonging to the user of first terminal 110 be second preset Age bracket, then can send checking message to the second terminal 120, remind the user of holder's first terminal 110 of the second terminal 120 Triggering payment request by first terminal 110, the holder of the second terminal 120 can respond according to this checking message, with Just first terminal 110 according to the second terminal in response to determining that the holder of the second terminal whether to allow to perform the request that pays corresponding Delivery operation, both may insure that delivery operation that the second user presetting age bracket triggers the supervising of holder by the second terminal Control, the conscious purchase operation of the user that can realize again this age bracket can be done.

In the present embodiment, when first terminal receives the payment request that user triggers, it may be determined that trigger this payment request The age bracket of user, determine whether the operation performing to have refused payment transaction according to age bracket, if age bracket is default Age bracket, such as, if the age bracket that age of user section is 1-5 year, owing to the user of this age bracket does not the most have money Idea, and do not have actively buy one service or the consciousness of product, therefore can determine that this user is not subjectively to trigger Pay request, can perform to have refused the operation of payment transaction, thus child can be avoided not know in study and game process Unconsciously just have purchased relevant stage property and product, the property of user is caused unnecessary loss, and then the property of protection user Safety, optimizes Consumer's Experience.

In one embodiment, control first terminal and perform to have refused the operation of payment transaction, it may include:

Close the payment transaction page；

Generating the first payment response message, wherein, it is right that the first payment response message is used for representing that refusal performs to pay request The delivery operation answered.

Sending checking message to the second terminal, wherein, checking message passes through first terminal for reminding the second terminal use Trigger the request of payment；

Receive the authentication response information that the second terminal returns according to checking message；

Determine whether the holder of the second terminal allows to perform the payment behaviour that the request that pays is corresponding according to authentication response information Make；

If determining that the holder of the second terminal allows to perform the payment behaviour that the request that pays is corresponding according to authentication response information Making, then generate the second payment response message, wherein, the second payment response message is used for indicating user to input payment key；

Determine whether to perform to pay request correspondence according to the key that pays that user inputs according to the second payment response message Delivery operation；

If determining that the holder of the second terminal does not allow to perform to pay the payment that request is corresponding according to authentication response information Operation, then perform to control first terminal and perform to have refused the step of the operation of payment transaction.

In one embodiment, determine whether to perform to prop up according to the payment key that the second payment response message inputs according to user Pay the delivery operation that request is corresponding, it may include:

Determine that the payment key that user inputs according to the second payment response message is the most correct；

If it is correct to pay key, then perform to pay the delivery operation that request is corresponding；

If it is incorrect to pay key, then generate the first payment response message.

Generating the second payment response message, wherein, the second payment response message is used for indicating user to input payment key；

Determine whether to perform to pay request correspondence according to the key that pays that user inputs according to the second payment response message Delivery operation.

In one embodiment, default age bracket includes first presetting age bracket, second presetting age bracket and the 3rd and preset year Age section；

When the age bracket belonging to user be first preset age bracket time, control first terminal perform refusal complete payment transaction Operation, including: closing the payment transaction page, and generate the first payment response message, wherein, the first payment response message is used In representing that refusal performs to pay the delivery operation that request is corresponding；

When the age bracket belonging to user be second preset age bracket time, control first terminal perform refusal complete payment transaction Operation, including: determine whether to perform to pay delivery operation corresponding to request with paying the checking of key two-layer by the second terminal； If it is determined that perform to pay the delivery operation that request is corresponding, then control first terminal and perform to pay the operation that request is corresponding；If Determine and do not perform to pay the delivery operation that request is corresponding, then control first terminal and perform to have refused the operation of payment transaction；

When the age bracket belonging to user be the 3rd preset age bracket time, control first terminal perform refusal complete payment transaction Operation, including: generating the second payment response message, wherein, it is close that the second payment response message is used for indicating user to input payment Key；And determine whether to perform corresponding the propping up of the request that pays according to the payment key that the second payment response message inputs according to user Pay operation.

In one embodiment, the age bracket belonging to user is determined, it may include:

The face-image of user is obtained by camera head；

Extract the feature of face-image, obtain the facial characteristics of user；

According to the facial characteristics of user, determine the age bracket belonging to user.

Touch manner during user's trigger action on the touchscreen is obtained by touch screen；

According to touch manner, determine the age bracket belonging to user.

Specifically how to realize delivery operation, refer to subsequent embodiment.

With specific embodiment, the technical scheme that disclosure embodiment provides is described below.

Fig. 2 A is the flow chart according to the method for payment shown in an exemplary embodiment one, and Fig. 2 B is according to an exemplary reality Execute the flow chart of the step 206 shown in example one；The present embodiment utilizes the said method that disclosure embodiment provides, with by second Terminal carries out verifying and pay as a example by the double-deck checking of key controls the operation that first terminal performs to have refused payment transaction Illustrative, as shown in Figure 2 A, comprise the steps:

In step 201, checking message is sent to the second terminal.

In one embodiment, checking message is for reminding the second terminal use to trigger, by first terminal, the request of payment.

In one embodiment, if the age bracket of user is for presetting age bracket, such as under-18s, then guardian is needed to enter One step determines whether to perform to pay the delivery operation that request is corresponding.

In one embodiment, the second terminal can be the electronic equipment such as smart mobile phone, panel computer.

In step 202., the authentication response information that the second terminal returns is received according to checking message.

In step 203, determine whether the holder of the second terminal allows to perform to pay request according to authentication response information According to authentication response information, corresponding delivery operation, if determining that the holder of the second terminal does not allow to perform to pay request correspondence Delivery operation, then perform step 204, if determining that the holder of the second terminal allows to perform payment according to authentication response information The delivery operation that request is corresponding, then perform step 205.

In step 204, control first terminal and perform the operation of refusal to pay transaction.

In one embodiment, refusal to pay transaction can be realized by closing the payment transaction page.

In step 205, the second payment response message is generated.

In one embodiment, the second payment response message is used for indicating user to input payment key.

In one embodiment, if the holder of the second terminal allows to perform to pay the delivery operation that request is corresponding, can give birth to Become the second payment response message, remind user to input payment key and complete delivery operation.

In step 206, determine whether to perform to prop up according to the payment key that the second payment response message inputs according to user Pay the delivery operation that request is corresponding.

In one embodiment, the detailed description of step 206 may refer to Fig. 2 B, as shown in Figure 2 B, comprises the steps:

In step 211, determine that the payment key that user inputs according to the second payment response message is the most correct, if Pay key correct, perform step 212, if it is incorrect to pay key, then perform step 213.

In one embodiment, paying key can be voice key, cryptographic key, recognition of face key, fingerprint key etc. Various ways.

In the step 212, perform to pay the delivery operation that request is corresponding.

In one embodiment, the key that user can be inputted by first terminal compares with the key of storage in server, If the key of user's input and the key agreement of storage in server, then pay key correct.

In step 213, the first payment response message is generated.

In the present embodiment, by sending checking message to the associated terminal of first terminal, such as the second terminal, ask the second terminal Holder determine whether perform first user trigger delivery operation, both may insure that the delivery operation of this age bracket was subject to To the monitoring of the holder of the second terminal, the conscious purchase operation of the user that can realize again this age bracket can be done, Optimize Consumer's Experience.

Fig. 3 is the flow chart according to the method for payment shown in an exemplary embodiment two, and the present embodiment utilizes the disclosure real Execute the said method that example provides, control first terminal execution refusal with first terminal by payment key authentication and complete to pay friendship As a example by easy operation illustrative, as it is shown on figure 3, comprise the steps:

In step 301, the second payment response message is generated.

In step 302, determine whether to perform to prop up according to the payment key that the second payment response message inputs according to user Pay the delivery operation that request is corresponding.

The detailed description of step 301 and step 302 can be found in the step 205 of Fig. 2 A embodiment and the relevant of step 206 is retouched Stating, I will not elaborate.

In the present embodiment, by the age bracket belonging to user be preset age bracket, such as under-18s age bracket time, Remind user to input payment key and complete delivery operation, it is achieved that the conscious purchase operation of the user of this age bracket can be complete Become, optimize Consumer's Experience.

Fig. 4 is the flow chart according to the method for payment shown in an exemplary embodiment three；The present embodiment utilizes the disclosure real Execute the said method that example provides, enter as a example by the operation performed by the payment triggered for the user of each default age bracket is asked Row exemplary illustration, as shown in Figure 4, comprises the steps:

In step 401, when receiving the payment request that user is triggered by first terminal, the year belonging to user is determined Age section.

In step 402, if the age bracket belonging to user is first to preset age bracket, then close the payment transaction page, And generate the first payment response message.

In one embodiment, the first payment response message is for representing that refusal performs to pay the delivery operation that request is corresponding.

In step 403, if the age bracket belonging to user is second to preset age bracket, then by the second terminal and payment The checking of key two-layer determines whether to perform to pay the delivery operation that request is corresponding.

In one embodiment, if it is determined that perform the delivery operation that payment request is corresponding, then control first terminal and perform to prop up Pay the operation that request is corresponding；If it is determined that do not perform to pay the delivery operation that request is corresponding, then control first terminal and perform refusal Complete the operation of payment transaction.

In one embodiment, the detailed description of step 403 can be found in the embodiment described in Fig. 2 A, and I will not elaborate.

In step 404, if the age bracket belonging to user is the 3rd when presetting age bracket, generates the second payment response and disappear Breath, and determine whether to perform corresponding the propping up of the request that pays according to the payment key that the second payment response message inputs according to user Pay operation.

In one embodiment, the detailed description of step 404 can be found in the embodiment described in Fig. 3, and I will not elaborate.

In the present embodiment, by being first to preset age bracket at the age bracket belonging to user, the age bracket of such as less than 5 years old Time, directly close the payment transaction page, child can be avoided the most just to have purchased relevant road in study and game process Tool and product, cause unnecessary loss, and then the property safety of protection user to the property of user, optimize Consumer's Experience；Separately Outward, by being second to preset age bracket at the age bracket belonging to user, such as during the age bracket in 6-16 year, can be to first terminal Associated terminal, as the second terminal sends checking message, performing first user touches to ask the holder of the second terminal to determine whether The delivery operation sent out, both may insure that the delivery operation of this age bracket the monitoring of holder by the second terminal, again can be real The now conscious purchase operation of the user of this age bracket can be done；Additionally, by being the 3rd at the age bracket belonging to user When presetting age bracket, the such as age bracket of more than 17 years old, remind user to input and pay key and complete delivery operation, it is achieved that this year Age, the conscious purchase operation of user of section can be done, and optimizes Consumer's Experience.

It will be appreciated by persons skilled in the art that in the disclosure, the technical scheme of Fig. 2 A, Fig. 3 and Fig. 4 can be answered simultaneously In same device or same electronic equipment, each technical scheme can be combined with using, to realize secure payment.

Fig. 5 is according to determining the method with affiliated age bracket by camera head shown in an exemplary embodiment two Flow chart；The present embodiment utilizes the said method that disclosure embodiment provides, how to be determined with affiliated by camera head As a example by age bracket illustrative, as it is shown in figure 5, comprise the steps:

In step 501, the face-image of user is obtained by camera head.

In step 502, extract the feature of face-image, obtain the facial characteristics of user.

In one embodiment, the disclosure can extract the face feature in face or other can embody the feature at people's age.

In step 503, according to the facial characteristics of user, the age bracket belonging to user is determined.

In one embodiment, the disclosure can train a character classification by age device based on substantial amounts of human face data, by extracting Facial characteristics input this character classification by age device, i.e. can determine that the age bracket of user.

In one embodiment, this character classification by age device can be provided by the provider of first terminal.

In the present embodiment, obtained the face-image of user by camera head, the age bracket of user can be accurately determined, And then the operation performing to have refused payment transaction is determined whether according to age bracket, thus child can be avoided in study and game During the most just have purchased relevant stage property and product, the property of user is caused unnecessary loss, and then protection The property safety of user, optimizes Consumer's Experience.

Fig. 6 is according to the method determining age bracket belonging to user by touch screen shown in an exemplary embodiment three Flow chart；The present embodiment utilizes the said method that disclosure embodiment provides, how to be determined belonging to user by touch screen Age bracket is illustrative as a example by being divided into two default age brackets, as shown in Figure 6, comprises the steps:

In step 601, touch manner during user's trigger action on the touchscreen is obtained by touch screen.

In one embodiment, touch manner can be force value；In another embodiment, touch manner can be touch surface Long-pending；In another embodiment, touch manner can be the width touching finger.In one embodiment, this force value can be to use The average of the force value during trigger action the most on the touchscreen of family.

In one embodiment, the equal of area touch area when can be user's trigger action the most on the touchscreen is touched Value.

In one embodiment, the width touching finger can be touch hands during user's trigger action the most on the touchscreen The average of finger widths.

In step 602, according to touch manner, the age bracket belonging to user is determined.

In one embodiment, determine that carrying out signal as a example by the age bracket belonging to user says here for force value by touch manner Bright.

In one embodiment, if force value is less than the first pressure threshold, it is determined that the age bracket belonging to user is default Age bracket；If force value is more than the first pressure threshold, it is determined that affiliated age bracket is second to preset age bracket.

In one embodiment, the first pressure threshold can be actually used by the user of magnanimity by first terminal provider Data statistics obtains, and stores in first terminal, within the front setting time period that user uses wearable device, can pass through First pressure threshold is updated by actually used data, such that it is able to enable the first pressure threshold to better discriminate between not the same year Age section user.

In one embodiment, it will be appreciated by persons skilled in the art that the number of pressure threshold can be by default age bracket Division number determine, such as, if only age bracket being divided into default age bracket and second preset age bracket, then can arrange one Individual pressure threshold.

In one embodiment, when touch manner is to touch area or touch the width of finger, it is possible to by corresponding threshold Value divides the age bracket determined belonging to user.

In the present embodiment, by touch manner during user's trigger action on the touchscreen, user can be accurately determined Age bracket, and then determine whether to perform to have refused the operation of payment transaction according to age bracket, thus child can be avoided to exist Study and game process the most just have purchased relevant stage property and product, the property of user is caused unnecessary damage Lose, and then the property safety of protection user, optimize Consumer's Experience.

It will be appreciated by persons skilled in the art that in the disclosure, the technical scheme of Fig. 5 and Fig. 6 can apply simultaneously to same In one device or same electronic equipment, each technical scheme can be combined with using, to realize secure payment.

Fig. 7 is the block diagram according to a kind of payment mechanism shown in an exemplary embodiment, applies on first terminal, such as figure Shown in 7, payment mechanism includes:

Age bracket determines module 710, when being configured as the payment request receiving user's triggering, determines belonging to user Age bracket；

Refusal to pay module 720, if being configured to age bracket to determine that module 710 determines that the age bracket belonging to user is pre- If age bracket, then control first terminal and perform to have refused the operation of payment transaction.

Fig. 8 is the block diagram according to the another kind of payment mechanism shown in an exemplary embodiment, as shown in Figure 8, at above-mentioned Fig. 7 On the basis of illustrated embodiment, in one embodiment, refusal to pay module 720 comprises the steps that

First closes closed submodule 721, is configured to close the payment transaction page；

First generates submodule 722, is configurable to generate the first payment response message, wherein, the first payment response message For representing that refusal performs to pay the delivery operation that request is corresponding.

In one embodiment, refusal to pay module 720 comprises the steps that

First checking submodule 723, is configured to send checking message to the second terminal, and wherein, checking message is used for carrying Second terminal use that wakes up triggers, by first terminal, the request of payment；

Receive submodule 724, be configured to receive the checking message that the second terminal sends according to the first checking submodule 723 The authentication response information returned；

Payment determines submodule 725, is configured to determine the according to receiving the authentication response information that receives of submodule 724 Whether the holder of two terminals allows to perform to pay the delivery operation that request is corresponding；

Second generates submodule 726, determines that submodule 725 determines the according to authentication response information if being configured to pay The holder of two terminals allows to perform to pay the delivery operation that request is corresponding, then generate the second payment response message, wherein, second Payment response message is used for indicating user to input payment key；

First determines submodule 727, is configured to generate, according to second, the second payment that submodule 726 generates according to user The key that pays of response message input determines whether to perform to pay the delivery operation that request is corresponding；

Control submodule 728, if being configured to determine the according to receiving the authentication response information that receives of submodule 724 The holder of two terminals does not allow to perform to pay the delivery operation that request is corresponding, then control refusal to pay module and perform control first Terminal performs to have refused the step of the operation of payment transaction.

In one embodiment, first determines that submodule 727 includes:

Second determines submodule 7271, is configured to determine that the payment key that user inputs according to the second payment response message The most correct；

Paying submodule 7272, if being configured to second to determine that submodule 7271 determines that payment key is correct, then performing Pay the delivery operation that request is corresponding；

3rd generates submodule 7273, if being configured to second to determine that submodule 7271 determines that payment key is incorrect, Then generate the first payment response message.

In one embodiment, refusal to pay module 720 includes:

4th generates submodule 729, is configurable to generate the second payment response message, wherein, the second payment response message For indicating user to input payment key；

3rd determines submodule 730, is configured to generate, according to the 4th, the second payment that submodule 729 generates according to user The key that pays of response message input determines whether to perform to pay the delivery operation that request is corresponding.

When the age bracket belonging to user be first preset age bracket time, refusal to pay module 720 comprise the steps that second closedown son Module 731, is configured to close the payment transaction page；5th generates submodule 732, is configurable to generate the first payment response and disappears Breath, wherein, the first payment response message is for representing that refusal performs to pay the delivery operation that request is corresponding；

When the age bracket belonging to user be second preset age bracket time, refusal to pay module 720 comprise the steps that second checking son Module 733, is configured to the second terminal and determines whether to perform to pay the payment that request is corresponding with paying key two-layer and verifying Operation；Implementation sub-module 734, if being configured to the second checking submodule 733 to determine the payment behaviour performing to pay request correspondence Make, then control first terminal and perform to pay the operation that request is corresponding；Refusal submodule 735, if being configured to the second checking Module 733 determines the delivery operation not performing to pay request correspondence, then control first terminal and perform to have refused payment transaction Operation；

When the age bracket belonging to user be the 3rd preset age bracket time, refusal to pay module 720 comprise the steps that the 6th generation son Module 736, is configurable to generate the second payment response message, and wherein, the second payment response message is used for indicating user to input and props up Pay key；4th determines submodule 737, is configured to generate, according to the 6th, the second payment that submodule 736 generates according to user The key that pays of response message input determines whether to perform to pay the delivery operation that request is corresponding.

Fig. 9 is the block diagram according to another payment mechanism shown in an exemplary embodiment, as it is shown in figure 9, at above-mentioned Fig. 7 And/or on the basis of embodiment illustrated in fig. 8, in one embodiment, age bracket determines that module 710 comprises the steps that

Image Acquisition submodule 711, is configured to camera head and obtains the face-image of user；

Extract submodule 712, be configured to extract the feature of the face-image that Image Acquisition submodule 711 obtains, obtain The facial characteristics of user；

5th determines submodule 713, is configured to, according to the facial characteristics extracting the user that submodule 712 extracts, determine Age bracket belonging to user.

In one embodiment, age bracket determines that module 710 comprises the steps that

Touch manner determines submodule 714, when being configured to touch screen acquisition user's trigger action on the touchscreen Touch manner；

6th determines submodule 715, is configured to determine the touch manner that submodule 714 determines, really according to touch manner Determine the age bracket belonging to user.

About the device in above-described embodiment, wherein modules performs the concrete mode of operation in relevant the method Embodiment in be described in detail, explanation will be not set forth in detail herein.

Figure 10 is according to a kind of block diagram being applicable to payment mechanism shown in an exemplary embodiment.Such as, device 1000 Can be mobile phone, computer, digital broadcast terminal, messaging devices, game console, tablet device, armarium, Body-building equipment, personal digital assistant etc..

With reference to Figure 10, device 1000 can include following one or more assembly: processes assembly 1002, memorizer 1004, Power supply module 1006, multimedia groupware 1008, audio-frequency assembly 1010, the interface 1012 of input/output (I/O), sensor cluster 1014, and communications component 1016.

Process assembly 1002 and generally control the integrated operation of device 1000, such as with display, call, data communication, The operation that camera operation and record operation are associated.Treatment element 1002 can include that one or more processor 1020 performs Instruction, to complete all or part of step of above-mentioned method.Additionally, process assembly 1002 can include one or more mould Block, it is simple to process between assembly 1002 and other assemblies is mutual.Such as, processing component 1002 can include multi-media module, With facilitate multimedia groupware 1008 and process between assembly 1002 mutual.

Memorizer 1004 is configured to store various types of data to support the operation at equipment 1000.These data Example include on device 1000 operation any application program or the instruction of method, contact data, telephone book data, Message, picture, video etc..Memorizer 1004 can by any kind of volatibility or non-volatile memory device or they Combination realizes, such as static RAM (SRAM), Electrically Erasable Read Only Memory (EEPROM), erasable can Program read-only memory (EPROM), programmable read only memory (PROM), read only memory (ROM), magnetic memory, flash memory Reservoir, disk or CD.

The various assemblies that power supply module 1006 is device 1000 provide power supply.Power supply module 1006 can include power management System, one or more power supplys, and other generate, manage and distribute, with for device 1000, the assembly that electric power is associated.

The screen of one output interface of offer that multimedia groupware 1008 is included between device 1000 and user.At some In embodiment, screen can include liquid crystal display (LCD) and touch panel (TP).If screen includes touch panel, screen May be implemented as touch screen, to receive the input signal from user.Touch panel includes one or more touch sensor With the gesture on sensing touch, slip and touch panel.Touch sensor can not only sense touch or the border of sliding action, But also detect the persistent period relevant to touch or slide and pressure.In certain embodiments, multimedia groupware 1008 Including a front-facing camera and/or post-positioned pick-up head.When equipment 1000 is in operator scheme, such as screening-mode or video mode Time, front-facing camera and/or post-positioned pick-up head can receive the multi-medium data of outside.Each front-facing camera and rearmounted shooting Head can be a fixing optical lens system or have focal length and optical zoom ability.

Audio-frequency assembly 1010 is configured to output and/or input audio signal.Such as, audio-frequency assembly 1010 includes a wheat Gram wind (MIC), when device 1000 is in operator scheme, during such as call model, logging mode and speech recognition mode, mike quilt It is configured to receive external audio signal.The audio signal received can be further stored at memorizer 1004 or via communication Assembly 1016 sends.In certain embodiments, audio-frequency assembly 1010 also includes a speaker, is used for exporting audio signal.

I/O interface 1012 provides interface, above-mentioned peripheral interface module for processing between assembly 1002 and peripheral interface module Can be keyboard, put striking wheel, button etc..These buttons may include but be not limited to: home button, volume button, start button and Locking press button.

Sensor cluster 1014 includes one or more sensor, for providing the state of various aspects to comment for device 1000 Estimate.Such as, what sensor cluster 1014 can detect equipment 1000 opens/closed mode, the relative localization of assembly, such as group Part is display and the keypad of device 1000, and sensor cluster 1014 can also detect device 1000 or 1,000 1 groups of device The position change of part, the presence or absence that user contacts with device 1000, device 1000 orientation or acceleration/deceleration and device The variations in temperature of 1000.Sensor cluster 1014 can include proximity transducer, is configured to do not having any physics to connect The existence of object near detection when touching.Sensor cluster 1014 can also include optical sensor, as CMOS or ccd image sense Device, for using in imaging applications.In certain embodiments, this sensor cluster 1014 can also include acceleration sensing Device, gyro sensor, Magnetic Sensor, pressure transducer or temperature sensor.

Communications component 1016 is configured to facilitate the communication of wired or wireless mode between device 1000 and other equipment.Dress Put 1000 and can access wireless network based on communication standard, such as WIFI, 2G or 3G, or combinations thereof.Exemplary at one In embodiment, broadcast singal or broadcast that communication component 1016 receives from external broadcasting management system via broadcast channel are relevant Information.In one exemplary embodiment, communication component 1016 also includes near-field communication (NFC) module, to promote junction service. Such as, can be based on RF identification (RFID) technology in NFC module, Infrared Data Association (IrDA) technology, ultra broadband (UWB) skill Art, bluetooth (BT) technology and other technologies realize.

In the exemplary embodiment, device 1000 can be by one or more application specific integrated circuits (ASIC), numeral Signal processor (DSP), digital signal processing appts (DSPD), PLD (PLD), field programmable gate array (FPGA), controller, microcontroller, microprocessor or other electronic components realize, be used for performing said method.

In the exemplary embodiment, a kind of non-transitory computer-readable recording medium including instruction, example are additionally provided As included the memorizer 1004 of instruction, above-mentioned instruction can have been performed said method by the processor 1020 of device 1000.Example As, non-transitory computer-readable recording medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk and Optical data storage devices etc..

Those skilled in the art, after considering description and putting into practice disclosure disclosed herein, will readily occur to its of the disclosure Its embodiment.The application is intended to any modification, purposes or the adaptations of the disclosure, these modification, purposes or Person's adaptations is followed the general principle of the disclosure and includes the undocumented common knowledge in the art of the disclosure Or conventional techniques means.Description and embodiments is considered only as exemplary, and the true scope of the disclosure and spirit are by following Claim is pointed out.

It should be appreciated that the disclosure is not limited to precision architecture described above and illustrated in the accompanying drawings, and And various modifications and changes can carried out without departing from the scope.The scope of the present disclosure is only limited by appended claim.

Claims

1. a method of payment, it is characterised in that apply on first terminal, described method includes:

If the age bracket belonging to described user is for presetting age bracket, then controls described first terminal execution refusal and complete to pay friendship Easy operation.

Method the most according to claim 1, it is characterised in that the described first terminal of described control performs refusal and completes to pay The operation of transaction, including:

Close the payment transaction page；

Generating the first payment response message, wherein, it is right that the first payment response message is used for representing that refusal performs described payment request The delivery operation answered.

Sending checking message to the second terminal, wherein, described checking message is used for reminding user described in described second terminal to pass through Described first terminal triggers described payment and asks；

Determine whether the holder of described second terminal allows to perform described payment and ask correspondence according to described authentication response information Delivery operation；

If determining that the holder of described second terminal allows to perform described payment and asks correspondence according to described authentication response information Delivery operation, then generate the second payment response message, wherein, described second payment response message is used for indicating described user defeated Enter to pay key；

Determining whether to perform described payment according to described user according to the payment key of described second payment response message input please Ask corresponding delivery operation；

If it is right to determine that the holder of described second terminal does not allows to perform described payment request according to described authentication response information The delivery operation answered, then perform the described first terminal of described control and perform to have refused the step of the operation of payment transaction.

Method the most according to claim 3, it is characterised in that described according to described user according to described second payment response The key that pays of message input determines whether to perform the described delivery operation paying request correspondence, including:

Generating the second payment response message, wherein, it is close that described second payment response message is used for indicating described user to input payment Key；

Determining whether to perform described payment according to described user according to the payment key of described second payment response message input please Ask corresponding delivery operation.

Method the most according to claim 1, it is characterised in that described default age bracket include first preset age bracket, Two preset age bracket and the 3rd presets age bracket；

When the age bracket belonging to described user be first preset age bracket time, the described first terminal of described control perform refusal complete The operation of payment transaction, including: closing the payment transaction page, and generate the first payment response message, wherein, first pays sound Answer message for representing that refusal performs the described delivery operation paying request correspondence；

When the age bracket belonging to described user be second preset age bracket time, the described first terminal of described control perform refusal complete The operation of payment transaction, including: determine whether to perform described payment request by the second terminal and payment key two-layer checking right The delivery operation answered；If it is determined that perform the described delivery operation paying request correspondence, then control described first terminal and perform institute State the operation that the request of payment is corresponding；If it is determined that do not perform the described delivery operation paying request correspondence, then control described first Terminal performs to have refused the operation of payment transaction；

When the age bracket belonging to described user be the 3rd preset age bracket time, the described first terminal of described control perform refusal complete The operation of payment transaction, including: generating the second payment response message, wherein, described second payment response message is used for indicating institute State user and input payment key；And determine according to the payment key of described second payment response message input according to described user Whether perform the described delivery operation paying request correspondence.

Method the most according to claim 1, it is characterised in that the described age bracket determined belonging to described user, including:

The face-image of described user is obtained by camera head；

9. a payment mechanism, it is characterised in that apply on first terminal, described device includes:

Age bracket determines module, when being configured as the payment request receiving user's triggering, determines the year belonging to described user Age section；

Refusal to pay module, if being configured to described age bracket to determine that module determines that the age bracket belonging to user is for presetting the age Section, then control described first terminal and perform to have refused the operation of payment transaction.

Device the most according to claim 9, it is characterised in that described refusal to pay module includes:

First generates submodule, is configurable to generate the first payment response message, and wherein, the first payment response message is used for representing Refusal performs the described delivery operation paying request correspondence.

11. devices according to claim 9, it is characterised in that described refusal to pay module includes:

First checking submodule, is configured to send checking message to the second terminal, and wherein, described checking message is used for reminding institute State user described in the second terminal and trigger described payment request by described first terminal；

Receive submodule, be configured to receive described second terminal and disappear according to the described checking of described first checking submodule transmission The authentication response information that breath returns；

Payment determines submodule, is configured to determine according to the described authentication response information that described reception submodule receives described Whether the holder of the second terminal allows to perform the described delivery operation paying request correspondence；

Second generates submodule, if being configured to described payment, to determine that submodule determines according to described authentication response information described The holder of the second terminal allows to perform the described delivery operation paying request correspondence, then generate the second payment response message, its In, described second payment response message is used for indicating described user to input payment key；

First determines submodule, is configured to according to described user according to the described second generate submodule generation described second The key that pays paying response message input determines whether that performing described payment asks corresponding delivery operation；

Control submodule, if being configured to determine according to the described authentication response information that described reception submodule receives described The holder of the second terminal does not allows to perform the described delivery operation paying request correspondence, then control described refusal to pay module and hold The row described first terminal of described control performs to have refused the step of the operation of payment transaction.

12. devices according to claim 11, it is characterised in that described first determines that submodule includes:

Second determines submodule, is configured to determine that the described user payment key according to described second payment response message input The most correct；

Paying submodule, if being configured to described second to determine that submodule determines that described payment key is correct, then performing described Pay the delivery operation that request is corresponding；

3rd generates submodule, if being configured to described second to determine that submodule determines that described payment key is incorrect, then gives birth to Become described first payment response message.

13. devices according to claim 9, it is characterised in that described refusal to pay module includes:

4th generates submodule, is configurable to generate the second payment response message, and wherein, described second payment response message is used for Described user is indicated to input payment key；

3rd determines submodule, is configured to according to described user according to the described 4th generate submodule generation described second The key that pays paying response message input determines whether that performing described payment asks corresponding delivery operation.

14. devices according to claim 9, it is characterised in that described default age bracket include first preset age bracket, Two preset age bracket and the 3rd presets age bracket；

When the age bracket belonging to described user be first preset age bracket time, described refusal to pay module includes: second close son Module, is configured to close the payment transaction page；5th generates submodule, is configurable to generate the first payment response message, its In, the first payment response message is for representing that refusal performs described payment and asks corresponding delivery operation；

When the age bracket belonging to described user be second preset age bracket time, described refusal to pay module includes: second checking son Module, is configured to the second terminal with paying key two-layer and verifying and determines whether that performing described payment asks corresponding payment Operation；Implementation sub-module, if being configured to described second checking submodule to determine that performing described payment asks corresponding payment Operation, then control described first terminal and perform the described operation paying request correspondence；Refusal submodule, if being configured to described Second checking submodule determines that not performing described payment asks corresponding delivery operation, then control described first terminal and perform refusal Complete the operation of payment transaction；

When the age bracket belonging to described user be the 3rd preset age bracket time, described refusal to pay module includes: the 6th generate son Module, is configurable to generate the second payment response message, and wherein, described second payment response message is used for indicating described user defeated Enter to pay key；4th determines submodule, is configured to generate, according to the described 6th, the institute that submodule generates according to described user The key that pays stating the second payment response message input determines whether to perform the described delivery operation paying request correspondence.

15. devices according to claim 9, it is characterised in that described age bracket determines that module includes:

Extract submodule, be configured to extract the feature of the described face-image that described Image Acquisition submodule obtains, obtain institute State the facial characteristics of user；

5th determines submodule, is configured to the facial characteristics of the described user extracted according to described extraction submodule, determines institute State the age bracket belonging to user.

16. devices according to claim 9, it is characterised in that described age bracket determines that module includes:

Touch manner determines submodule, is configured to touch screen and obtains described user on described touch screen during trigger action Touch manner；

6th determines submodule, is configured to determine, according to described touch manner, the described touch manner that submodule determines, determines Age bracket belonging to described user.

17. 1 kinds of payment mechanisms, it is characterised in that apply on first terminal, described device includes:

Processor；

For storing the memorizer of processor executable；

Wherein, described processor is configured to: