CN106779722A - The method of payment and mobile terminal of a kind of mobile terminal - Google Patents
The method of payment and mobile terminal of a kind of mobile terminal Download PDFInfo
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- CN106779722A CN106779722A CN201611189887.9A CN201611189887A CN106779722A CN 106779722 A CN106779722 A CN 106779722A CN 201611189887 A CN201611189887 A CN 201611189887A CN 106779722 A CN106779722 A CN 106779722A
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- clouds
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention discloses the method for payment and mobile terminal of a kind of mobile terminal, its method includes：Interface to be paid is entered according to the order to be paid for getting；Interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selecting high in the clouds bill payment mode to be paid, the first biological information that identification mobile terminal is collected；The reference biological information that first biological information and mobile terminal are locally stored is matched；If the first biological information searches the first high in the clouds account matched with the first biological information beyond the clouds with reference to biometric information matches failure in account；When the payment cipher of the payment cipher for getting and the first high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is paid.The present invention is paid by biometric information matches to high in the clouds account, while security is guaranteed payment, simplifies the operating procedure paid across mobile terminal, improves Consumer's Experience.
Description
Technical field
The present invention relates to communication technical field, more particularly to a kind of mobile terminal method of payment and mobile terminal.
Background technology
With continuing to develop for electronic information technology, the intelligent terminal miscellaneous such as smart mobile phone, panel computer
It is increasingly becoming the requirement during we live.Thereupon, mobile payment as a kind of emerging means of payment gradually by people
Received, by the function of the living things feature recognition of intelligent terminal, can make the security of mobile payment technology has more preferably
Guarantee, can be paid by scanning Quick Response Code or near-field communication (NFC, Near Field Communication) in the prior art
Payment function is moved etc. mode.But the limitation or user due to mobile terminal endurance leave behind, needing
When being paid the bill by the payment accounts of mobile terminal binding, need to log in oneself original account again using other mobile terminals
Number, middle operating procedure is excessively cumbersome, drastically influence Consumer's Experience.
The content of the invention
The method of payment and mobile terminal of a kind of mobile terminal are the embodiment of the invention provides, to solve in the prior art more
When changing mobile terminal and being paid, the excessively cumbersome problem of intermediate operation step.
In a first aspect, the embodiment of the invention provides a kind of method of payment of mobile terminal, method of payment includes：
Interface to be paid is entered according to the order to be paid for getting；Wherein, interface to be paid pays including local account
Mode and high in the clouds bill payment mode；
When selecting high in the clouds bill payment mode to be paid, the first biological characteristic letter that identification mobile terminal is collected
Breath；
The reference biological information that first biological information and mobile terminal are locally stored is matched；
If the first biological information is searched and first in account beyond the clouds with reference to biometric information matches failure
The first high in the clouds account that biological information matches；
When the payment cipher of the payment cipher for getting and the first high in the clouds account matches, by the first high in the clouds account pair
Order to be paid is paid.
Second aspect, the embodiment of the present invention additionally provides a kind of mobile terminal, including：
Starting module, for entering interface to be paid according to the order to be paid for getting；Wherein, interface to be paid includes
The local account means of payment and high in the clouds bill payment mode；
First identification module, for when selecting high in the clouds bill payment mode to be paid, identification mobile terminal to be collected
The first biological information；
First matching module, for the reference biological characteristic letter that the first biological information and mobile terminal are locally stored
Breath is matched；
First processing module, for when the first biological information with reference to biometric information matches with failing, in cloud
The the first high in the clouds account matched with the first biological information is searched in the account of end；
First payment module, for when the payment cipher of the payment cipher for getting and the first high in the clouds account matches,
Pay invoice is treated by the first high in the clouds account to be paid.
So, the beneficial effect of embodiments of the invention is：High in the clouds bill payment and local account are provided at interface to be paid
Family pays two kinds of means of payment, and high in the clouds account branch may be selected when needing the mobile terminal by other users to be paid for user
The mode of paying, and by identification and matching biological information carries out the selection of high in the clouds account, account is logical after the match is successful beyond the clouds
Cross and be input into corresponding payment cipher and paid, simplify the operating procedure that payment account between multi-mobile-terminal is changed, be easy to use
Family is changed different mobile terminals and is paid, and due to the uniqueness of biological information, it is ensured that the security of payment.
Brief description of the drawings
Technical scheme in order to illustrate more clearly the embodiments of the present invention, below by institute in the description to the embodiment of the present invention
The accompanying drawing for needing to use is briefly described, it should be apparent that, drawings in the following description are only some implementations of the invention
Example, for those of ordinary skill in the art, without having to pay creative labor, can also be according to these accompanying drawings
Obtain other accompanying drawings.
Fig. 1 represents the flow chart of the first embodiment of method of payment of the invention；
Fig. 2 represents the display schematic diagram at interface to be paid in method of payment of the invention；
Fig. 3 represents the flow chart of the second embodiment of method of payment of the invention；
Fig. 4 represents the flow chart of the 3rd embodiment of method of payment of the invention；
Fig. 5 represents the flow chart of the fourth embodiment of method of payment of the invention；
Fig. 6 represents the flow chart of the 5th embodiment of method of payment of the invention；
Fig. 7 represents the structural representation of the sixth embodiment of mobile terminal of the invention；
Fig. 8 represents the block diagram of the 7th embodiment of mobile terminal of the present invention；
Fig. 9 represents the block diagram of the 8th embodiment of mobile terminal of the present invention.
Specific embodiment
Exemplary embodiment of the invention is more fully described below with reference to accompanying drawings.Although showing the present invention in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the present invention without should be by embodiments set forth here
Limited.Conversely, there is provided these embodiments are able to be best understood from the present invention, and can be by the scope of the present invention
Complete conveys to those skilled in the art.
First embodiment
As shown in figure 1, The embodiment provides a kind of method of payment of mobile terminal, the method specifically include with
Lower step：
Step 101：Interface to be paid is entered according to the order to be paid for getting.
Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode.When user needs to utilize
When mobile terminal is paid, after getting the information of order to be paid, into interface to be paid, as shown in Fig. 2 showing this
Ground bill payment mode and high in the clouds bill payment mode are selected for user, when user uses the mobile terminal of oneself
When, can be paid using the local account means of payment；When user uses the mobile terminal of other users, cloud can be used
End bill payment mode.
Step 102：When selecting high in the clouds bill payment mode to be paid, the first biology that identification mobile terminal is collected
Characteristic information.
After it is determined that user's selection high in the clouds bill payment mode is paid, obtain and recognize that mobile terminal collects the
One biological information, wherein, biological information includes finger print information, retinal information, facial information or iris information.Know
The first biological information that other mobile terminal is collected, can be fingerprint recognition button by pressing mobile terminal or other
The finger print information of fingerprint identification device collection, or retinal information, facial information or the iris of user are gathered by camera
Information.
Step 103：The reference biological information that first biological information and mobile terminal are locally stored is carried out
Match somebody with somebody.
Wherein, the reference biological information that mobile terminal is locally stored refer to that user pre-sets for paying
Biological information or the biological information for solving lock screen and pay.After identifying the first biological information, by
Whether one biological information is matched with reference to biological information, to judge the corresponding user of the first biological information
It is the local user of mobile terminal.
Step 104：If the first biological information is looked into account beyond the clouds with reference to biometric information matches failure
Look for the first high in the clouds account matched with the first biological information.
If the first biological information illustrates the first biological information pair with reference to biometric information matches failure
The user for answering is not the local user of the mobile terminal, that is to say, that the user that request pays is the mobile end for borrowing other users
End paid, at this moment need to send the first biological information to high in the clouds, with searched whether in account beyond the clouds exist with
The high in the clouds account that first biological information matches, and the high in the clouds account that the match is successful is defined as the first high in the clouds account.
Step 105：When the payment cipher of the payment cipher for getting and the first high in the clouds account matches, by the first cloud
End account is treated pay invoice and is paid.
After matching obtains the first high in the clouds account, in order to further strengthen the security for paying, it is necessary to user input first
The corresponding payment cipher of high in the clouds account, if also the match is successful for password, treating pay invoice by the first high in the clouds account is carried out
Pay, otherwise pay failure.
The embodiment of the present invention, provides high in the clouds bill payment and local account pays two kinds of means of payment at interface to be paid,
High in the clouds bill payment mode may be selected when needing the mobile terminal by other users to be paid for user, and by identification simultaneously
Matching biological information carries out the selection of high in the clouds account, beyond the clouds account after the match is successful by being input into corresponding payment cipher
Paid, simplified the operating procedure that payment account is changed between multi-mobile-terminal, be easy to user to change different mobile terminals
Paid, and due to the uniqueness of biological information, it is ensured that the security of payment.
Second embodiment
First embodiment above has carried out simple introduction to method of payment of the invention, below the present embodiment will be with reference to accompanying drawing
It is described further with concrete application scene.
As shown in figure 3, method of payment of the invention is comprised the following steps：
Step 301：Interface to be paid is entered according to the order to be paid for getting.
When user needs to be paid using mobile terminal, after getting the information of order to be paid, into be paid
Interface, as shown in Fig. 2 showing the local account means of payment and high in the clouds bill payment mode is selected for user, works as user
When using the mobile terminal of oneself, can be paid using the local account means of payment；When user uses other to use
During the mobile terminal at family, high in the clouds bill payment mode can be used.
Step 302：When selecting high in the clouds bill payment mode to be paid, the first biology that identification mobile terminal is collected
Characteristic information.
Wherein, biological information includes finger print information, retinal information, facial information or iris information.Identification movement
The first biological information that terminal is collected, can be that the fingerprint recognition button or other fingerprints by pressing mobile terminal are known
The finger print information of other device collection, or retinal information, facial information or the iris information of user are gathered by camera.
Step 303：The reference biological information that first biological information and mobile terminal are locally stored is carried out
Match somebody with somebody.
Wherein, with reference to biological information refer to that user pre-sets for the biological characteristic that pays and/or unlock
Information.After identifying the first biological information, the first biological information is matched with reference to biological information, with
Judge the corresponding user of the first biological information whether be mobile terminal local user.
Step 304：If the first biological information is looked into account beyond the clouds with reference to biometric information matches success
Look for the second high in the clouds account matched with the first biological information, and directly treat pay invoice by the second high in the clouds account
Row pays.
Because the first biological information matches with the reference biological information being locally stored, then illustrate that first is biological
User corresponding to characteristic information is local user, with security higher, therefore without carrying out secondary checking again, you can directly
Pay invoice is treated by the second high in the clouds account for matching to be paid.
So, high in the clouds bill payment mode may be selected when user needs to pay, and further passes through matching biological
Information carries out whether the selection of high in the clouds account and checking user are local user or degree of belief high user, so by cloud
End account is directly paid after the match is successful, simplifies the operating procedure that payment account between multi-mobile-terminal is changed, and is easy to use
Family is changed different mobile terminals and is paid, and due to the uniqueness of biological information, it is ensured that the security of payment.
3rd embodiment
First embodiment above and second embodiment describe method of payment of the invention from different scenes respectively, below this
Embodiment will be described further explanation with reference to accompanying drawing and Another Application scene to it.
As shown in figure 4, the method for payment of the embodiment of the present invention is comprised the following steps：
Step 401：Interface to be paid is entered according to the order to be paid for getting.
Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode.
Step 402：When selecting the local account means of payment to be paid, the second biology that identification mobile terminal is collected
Characteristic information.
Wherein, the second biological information includes finger print information, retinal information, facial information or iris information.
Step 403：Second biological information is matched with reference to biological information.
Due to the uniqueness of biological information, by the second biological information and matching with reference to biological information
To verify user, the security for paying can be strengthened.
Step 404：If the second biological information is successful with reference to biometric information matches, directly by local account
Treat pay invoice and paid in family.
When the second biological information with reference to biometric information matches success, then illustrate the user for local user or
Degree of belief high user, directly can treat pay invoice and be paid, to simplify payment step with local account.
Fourth embodiment
The present embodiment will be described further with reference to another application scenarios to method of payment of the invention below.
As shown in figure 5, method of payment of the invention includes：
Step 501：Interface to be paid is entered according to the order to be paid for getting.
Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode.
Step 502：When selecting high in the clouds bill payment mode to be paid, the first biology that identification mobile terminal is collected
Characteristic information.
Wherein, the first biological information includes finger print information, retinal information, facial information or iris information.
Step 503：The reference biological information that first biological information and mobile terminal are locally stored is carried out
Match somebody with somebody.
After identifying the first biological information, the first biological information is carried out with reference to biological information
Match somebody with somebody, with judge the corresponding user of the first biological information whether be mobile terminal local user.
Step 504：If the first biological information fails with reference to biometric information matches, by the first biological characteristic
Information is sent to cloud server.
So that the high in the clouds account matched with the first biological information is searched and fed back to cloud server.
Step 505：When getting the high in the clouds account matched with the first biological information and having multiple, it is determined that being chosen
High in the clouds account be the first high in the clouds account.
If that is server side matches multiple high in the clouds accounts matched with the first biological information beyond the clouds
When, it is necessary to user selection user pay account as the first high in the clouds account.
Step 506：When the payment cipher of the payment cipher for getting and the first high in the clouds account matches, by the first cloud
End account is treated pay invoice and is paid.
After matching obtains the first high in the clouds account, in order to further strengthen the security for paying, it is necessary to user input first
The corresponding payment cipher of high in the clouds account.
So, provide high in the clouds bill payment at interface to be paid and local account pays two kinds of means of payment, user is needing
When being paid by the mobile terminal of other users, high in the clouds bill payment mode may be selected, and by recognizing and match life
Thing characteristic information carries out the selection of high in the clouds account, and account is propped up after the match is successful by being input into corresponding payment cipher beyond the clouds
Pay, simplify the operating procedure that payment account is changed between multi-mobile-terminal, be easy to user to change different mobile terminals and propped up
Pay, and due to the uniqueness of biological information, it is ensured that the security of payment.
5th embodiment
Above example is described from different application scenarios to method of payment of the invention respectively, below the present embodiment
Its detailed implementation method will be described further with reference to multiple scenes.
As shown in fig. 6, the method for payment of the embodiment of the present invention is comprised the following steps：
Step 601：It is provided for the high in the clouds account of high in the clouds payment.The data system of high in the clouds account is set, including：
Store bank's card number information, biological information and both mapping relations of user.By taking finger print information as an example, fingerprint branch is set
The system of paying, sets up a set of fingerprint information data storehouse, and the bank account card number and corresponding finger print information that holder is held enter
Row binding, and by this information Store to finger print information server.
Step 602：Interface to be paid is entered according to the order to be paid for getting.In payment, boundary to be paid is introduced into
Face, the interface display to be paid has the amount of money and bank account information to be paid, wherein, local payment account information is defaulted as,
Bank's card number information that i.e. this mobile terminal once set.
Step 603：Detect whether to be switched to the switching command of high in the clouds bill payment mode.If it is not, then performing step
604, if so, then performing step 606.I.e. user can select the local account means of payment of acquiescence in interface to be paid, also
High in the clouds bill payment mode can be selected to be paid.
Step 604：The biological information of user is obtained, and detects whether to match with local biological information.If
Matching, then perform step 605, and otherwise prompting pays failure.By taking finger print information as an example, when the local account branch of user's selection acquiescence
During the mode of paying, clicking on after fingerprint pays, the finger print information of system of fingerprints identified input whether with local fingerprint set in advance
Information match.
Step 605：Paid by local account.I.e. when it is determined that the finger print information of input is the machine fingerprint, immediately
Bank's processing system is sent to complete to pay.Wherein, local account card number and finger print information whether be transferred to cloud server can
Set with the demand according to oneself, if being transferred to the fingerprint storage server of cloud server, will be easy to be moved at other
Device end carries out fingerprint payment transaction.
Step 606：The biological information of input is obtained, and detects whether to match with local biological information.If
It is then to perform step 607, if otherwise performing step 608., it is necessary to will once be stored in i.e. when being paid using high in the clouds account
The biological information (both can be oneself, or other users) of cloud server is pressed against adopting for mobile terminal
On acquisition means.
Step 607：The biological information is sent to cloud server end account matching of racking of going forward side by side, in account matching
After success and payment confirming information, paid by correspondence high in the clouds account.If it fails to match, point out to pay failure.To refer to
As a example by line information, if it is determined that when the fingerprint of input is for the machine pre-set fingerprint, finger is transferred to by Fingerprint Processing Module
Line information server, finger print information storage server goes out the identity information of disburser according to the fingerprint recognition for receiving, according to branch
Its corresponding bank card in person's information matches is paid, from the corresponding high in the clouds accounts information that cloud server gets, is displayed in and is treated
In payment interface and for user input payment, because the finger print information matches with local finger print information, then the use is illustrated
Family is local user or degree of belief high user, can input password, is immediately transmitted to bank's processing system and completes to pay.
Step 608：The biological information is sent to cloud server end account matching of racking of going forward side by side, in account matching
After success and payment confirming information, the payment cipher of input correspondence high in the clouds account is simultaneously paid.If it fails to match, branch is pointed out
Pay failure.When being mismatched with local biological information due to the biological information being input into, illustrate that user is not local user
And degree of belief is relatively low, it is therefore desirable to which the payment cipher of input correspondence high in the clouds account is paid.
To sum up, method of payment of the invention can support the local account means of payment, also support high in the clouds bill payment mode,
The means of payment is more flexible, and by biometric information matches to corresponding high in the clouds account during using high in the clouds bill payment mode
Information, it is ensured that payment safety, and payment step is convenient, effectively increases the payment experience of user.
Sixth embodiment
First embodiment above describes the method for payment under different scenes in detail to the 5th embodiment respectively, below will knot
Fig. 7 is closed to be described further corresponding mobile terminal.
Mobile terminal provided in an embodiment of the present invention, specifically includes：
Starting module 710, for entering interface to be paid according to the order to be paid for getting；Wherein, interface to be paid
Including the local account means of payment and high in the clouds bill payment mode；
First identification module 720, for when selecting high in the clouds bill payment mode to be paid, identification mobile terminal to be gathered
The first biological information for arriving；
First matching module 730, the reference for the first biological information and mobile terminal to be locally stored is biological special
Reference breath is matched；
First processing module 740, during for when the first biological information and with reference to biometric information matches failure,
The the first high in the clouds account matched with the first biological information is searched in the account of high in the clouds；
First payment module 750, for matching with the payment cipher of the first high in the clouds account when the payment cipher for getting
When, pay invoice is treated by the first high in the clouds account and is paid.
Wherein, the mobile terminal also includes：
Second processing module, for when the first biological information is with reference to biometric information matches success, in cloud
Search the second high in the clouds account matched with the first biological information in the account of end, and directly treated by the second high in the clouds account
Pay invoice is paid.
Wherein, the mobile terminal also includes：
Second identification module, for when selecting the local account means of payment to be paid, identification mobile terminal to be collected
The second biological information；
Second matching module, for the second biological information to be matched with reference to biological information；
Second payment module, during for when the second biological information and with reference to biometric information matches success, directly
Pay invoice is treated by local account to be paid.
Wherein, the first processing module 740 also includes：
Transmitting element, for the first biological information to be sent to cloud server, so that cloud server is searched simultaneously
The high in the clouds account that feedback matches with the first biological information；
Determining unit, for when getting the high in the clouds account matched with the first biological information and having multiple, it is determined that
Selected high in the clouds account is the first high in the clouds account.
Wherein, biological information at least includes：Finger print information, retinal information, facial information or iris information.
It is worthy of note that, the mobile terminal of the embodiment of the present invention is mobile terminal corresponding with above-mentioned method of payment, on
State method implementation method and realize technique effect suitable for the embodiment of the mobile terminal.Wherein, the mobile terminal
High in the clouds bill payment being provided at interface to be paid and local account paying two kinds of means of payment, user is being needed by other users
Mobile terminal high in the clouds bill payment mode may be selected when being paid, and enter to rack by identification and matching biological information
The selection of account is held, account is paid after the match is successful by being input into corresponding payment cipher beyond the clouds, is simplified and is moved more
The operating procedure that terminal room payment account is changed, is easy to user to change different mobile terminals and is paid, and due to biological special
The uniqueness of reference breath, it is ensured that the security of payment.
7th embodiment
Fig. 8 is the block diagram of the mobile terminal 800 of another embodiment of the present invention, and mobile terminal as shown in Figure 8 includes：Extremely
Few processor 801, memory 802 and a user interface 803.Each component in mobile terminal 800 passes through bus system 804
It is coupled.It is understood that bus system 804 is used to realize the connection communication between these components.Bus system 804 is removed to be included
Outside data/address bus, also including power bus, controlling bus and status signal bus in addition.But for the sake of for clear explanation, in Fig. 8
It is middle that various buses are all designated as bus system 804.
Wherein, user interface 803 can be including display or pointing device (such as touch-sensitive plate or touch-screen etc..
It is appreciated that the memory 802 in the embodiment of the present invention can be volatile memory or nonvolatile memory,
Or may include both volatibility and nonvolatile memory.Wherein, nonvolatile memory can be read-only storage (Read-
Only Memory, ROM), programmable read only memory (Programmable ROM, PROM), the read-only storage of erasable programmable
Device (Erasable PROM, EPROM), Electrically Erasable Read Only Memory (Electrically EPROM, EEPROM) or
Flash memory.Volatile memory can be random access memory (Random Access Memory, RAM), and it is used as outside height
Speed caching.By exemplary but be not restricted explanation, the RAM of many forms can use, such as static RAM
(Static RAM, SRAM), dynamic random access memory (Dynamic RAM, DRAM), Synchronous Dynamic Random Access Memory
(Synchronous DRAM, SDRAM), double data speed synchronous dynamic RAM (Double Data Rate
SDRAM, DDRSDRAM), enhanced Synchronous Dynamic Random Access Memory (Enhanced SDRAM, ESDRAM), synchronized links
Dynamic random access memory (Synchlink DRAM, SLDRAM) and direct rambus random access memory (Direct
Rambus RAM, DRRAM).The memory 802 of system and method described herein be intended to including but not limited to these and it is any its
It is adapted to the memory of type.
In some embodiments, memory 802 stores following element, can perform module or data structure, or
Person their subset, or their superset：Operating system 8021 and application program 8022.
Wherein, operating system 8021, comprising various system programs, such as ccf layer, core library layer, driving layer etc. are used for
Realize various basic businesses and process hardware based task.Application program 8022, comprising various application programs, such as media
Player (Media Player), browser (Browser) etc., for realizing various applied business.Realize the embodiment of the present invention
The program of method may be embodied in application program 8022.
In an embodiment of the present invention, by the program for calling memory 802 to store or instruction, specifically, can be should
With the program or instruction that are stored in program 8022.Wherein, processor 801 is used to be entered according to the order to be paid for getting and waits to prop up
Pay interface；Wherein, interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selection high in the clouds account branch
When the mode of paying is paid, the first biological information that identification mobile terminal is collected；By the first biological information and shifting
The reference biological information of dynamic terminal local storage is matched；If the first biological information with refer to biological information
It fails to match, then search the first high in the clouds account matched with the first biological information in account beyond the clouds；When what is got
When the payment cipher of payment cipher and the first high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is propped up
Pay.
The method that the embodiments of the present invention are disclosed can apply in processor 801, or be realized by processor 801.
Processor 801 is probably a kind of IC chip, the disposal ability with signal.In implementation process, the above method it is each
Step can be completed by the instruction of the integrated logic circuit of the hardware in processor 801 or software form.Above-mentioned treatment
Device 801 can be general processor, digital signal processor (Digital Signal Processor, DSP), special integrated electricity
Road (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field
Programmable Gate Array, FPGA) or other PLDs, discrete gate or transistor logic,
Discrete hardware components.Can realize or perform disclosed each method in the embodiment of the present invention, step and logic diagram.It is general
Processor can be microprocessor or the processor can also be any conventional processor etc..With reference to embodiment of the present invention institute
The step of disclosed method, can be embodied directly in hardware decoding processor and perform completion, or with the hardware in decoding processor
And software module combination performs completion.Software module may be located at random access memory, and flash memory, read-only storage may be programmed read-only
In the ripe storage medium in this area such as memory or electrically erasable programmable memory, register.The storage medium is located at
Memory 802, processor 801 reads the information in memory 802, with reference to the step of its hardware completion above method.
It is understood that embodiments described herein can with hardware, software, firmware, middleware, microcode or its
Combine to realize.Realized for hardware, processing unit can be realized in one or more application specific integrated circuits (Application
Specific Integrated Circuits, ASIC), digital signal processor (Digital Signal Processing,
DSP), digital signal processing appts (DSP Device, DSPD), programmable logic device (Programmable Logic
Device, PLD), field programmable gate array (Field-Programmable Gate Array, FPGA), general processor,
In controller, microcontroller, microprocessor, other electronic units for performing herein described function or its combination.
Realized for software, can be realized by performing the module (such as process, function etc.) of function described herein herein
Described technology.Software code is storable in memory and by computing device.Memory can within a processor or
Realize processor outside.
Specifically, processor 801 is additionally operable to：If the first biological information is successful with reference to biometric information matches,
The the second high in the clouds account matched with the first biological information is then searched in account beyond the clouds, and directly passes through the second high in the clouds account
Treat pay invoice and paid in family.
Specifically, processor 801 is additionally operable to：When selecting the local account means of payment to be paid, mobile terminal is recognized
The second biological information for collecting；Second biological information is matched with reference to biological information；If second
Biological information is then directly treated pay invoice and is propped up with reference to biometric information matches success by local account
Pay.
Specifically, processor 801 is additionally operable to：First biological information is sent to cloud server, so that high in the clouds takes
The high in the clouds account matched with the first biological information is searched and fed back to business device；When getting and the first biological information phase
When the high in the clouds account of matching has multiple, determine that selected high in the clouds account is the first high in the clouds account.
Further, biological information at least includes：Finger print information, retinal information, facial information or iris information.
The mobile terminal 800 of the embodiment of the present invention, interface to be paid is entered according to the order to be paid for getting；Wherein,
Interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selection high in the clouds bill payment mode is propped up
Fu Shi, the first biological information that identification mobile terminal is collected；First biological information and mobile terminal are locally deposited
The reference biological information of storage is matched；If the first biological information fails with reference to biometric information matches,
The the first high in the clouds account matched with the first biological information is searched in account beyond the clouds；When the payment cipher for getting and
When the payment cipher of one high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is paid.
8th embodiment
Fig. 9 is the structural representation of the mobile terminal of another embodiment of the present invention.Specifically, the mobile terminal in Fig. 9
900 can be mobile phone, panel computer, personal digital assistant (Personal Digital Assistant, PDA) or vehicle mounted electric
Brain etc..
Mobile terminal 900 in Fig. 9 includes power supply 910, memory 920, input block 930, display unit 940, treatment
Device 950, WIFI (Wireless Fidelity) module 960, voicefrequency circuit 970 and RF circuits 980.
Wherein, input block 930 can be used to receive the information of user input, and produce the user with mobile terminal 900
Set and the relevant signal input of function control.Specifically, in the embodiment of the present invention, the input block 930 can include touching
Control panel 931.Contact panel 931, also referred to as touch-screen, can collect user thereon or neighbouring touch operation (such as user
Use the operation of any suitable object such as finger, stylus or annex on contact panel 931), and according to journey set in advance
Formula drives corresponding attachment means.Optionally, contact panel 931 may include two portions of touch detecting apparatus and touch controller
Point.Wherein, touch detecting apparatus detect the touch orientation of user, and detect the signal that touch operation brings, and transmit a signal to
Touch controller；Touch controller receives touch information from touch detecting apparatus, and is converted into contact coordinate, then gives
The processor 950, and the order sent of receiving processor 950 and can be performed.Furthermore, it is possible to using resistance-type, condenser type,
The polytype such as infrared ray and surface acoustic wave realizes contact panel 931.Except contact panel 931, input block 930 can be with
Including other input equipments 932, other input equipments 932 can include but is not limited to physical keyboard, function key (such as volume control
Button processed, switch key etc.), trace ball, mouse, one or more in action bars etc..
Wherein, display unit 940 can be used for display by the information of user input or be supplied to information and the movement of user
The various menu interfaces of terminal.Display unit 940 may include display panel 941, optionally, can use LCD or organic light emission
The forms such as diode (Organic Light-Emitting Diode, OLED) configure display panel 941.
It should be noted that contact panel 931 can cover display panel 941, touch display screen is formed, when touch display screen inspection
Measure thereon or after neighbouring touch operation, processor 950 is sent to determine the type of touch event, with preprocessor
950 provide corresponding visual output according to the type of touch event in touch display screen.
Touch display screen includes Application Program Interface viewing area and conventional control viewing area.The Application Program Interface viewing area
And the arrangement mode of the conventional control viewing area is not limited, can be arranged above and below, left-right situs etc. can distinguish two and show
Show the arrangement mode in area.The Application Program Interface viewing area is displayed for the interface of application program.Each interface can be with
The interface element such as the icon comprising at least one application program and/or widget desktop controls.The Application Program Interface viewing area
It can also be the empty interface not comprising any content.The conventional control viewing area be used for show utilization rate control higher, for example,
Application icons such as settings button, interface numbering, scroll bar, phone directory icon etc..
Wherein processor 950 is the control centre of mobile terminal, using each of various interfaces and connection whole mobile phone
Individual part, by running or performing software program and/or module of the storage in first memory 921, and calls storage to exist
Data in second memory 922, perform the various functions and processing data of mobile terminal, so as to carry out entirety to mobile terminal
Monitoring.Optionally, processor 950 may include one or more processing units.
In embodiments of the present invention, by call store the first memory 921 in software program and/or module and/
To the data in second memory 922, interface to be paid is entered according to the order to be paid for getting；Wherein, interface to be paid
Including the local account means of payment and high in the clouds bill payment mode；When selecting high in the clouds bill payment mode to be paid, identification
The first biological information that mobile terminal is collected；The reference life that first biological information and mobile terminal are locally stored
Thing characteristic information is matched；If the first biological information fails with reference to biometric information matches, beyond the clouds account
The first high in the clouds account that middle lookup matches with the first biological information；When the payment cipher for getting and the first high in the clouds account
Payment cipher when matching, pay invoice is treated by the first high in the clouds account and is paid.
Specifically, processor 950 is additionally operable to：If the first biological information is successful with reference to biometric information matches,
The the second high in the clouds account matched with the first biological information is then searched in account beyond the clouds, and directly passes through the second high in the clouds account
Treat pay invoice and paid in family.
Specifically, processor 950 is additionally operable to：When the selection local account means of payment is paid, identification mobile terminal is adopted
The second biological information for collecting；Second biological information is matched with reference to biological information；If the second life
Thing characteristic information is then directly treated pay invoice and is paid with reference to biometric information matches success by local account.
Further, processor 950 is additionally operable to：First biological information is sent to cloud server, so that high in the clouds
Whois lookup simultaneously feeds back the high in the clouds account matched with the first biological information；When getting and the first biological information
When the high in the clouds account for matching has multiple, determine that selected high in the clouds account is the first high in the clouds account.
Wherein, biological information at least includes：Finger print information, retinal information, facial information or iris information.
The mobile terminal 900 of the embodiment of the present invention, interface to be paid is entered according to the order to be paid for getting；Wherein,
Interface to be paid includes the local account means of payment and high in the clouds bill payment mode；When selection high in the clouds bill payment mode is propped up
Fu Shi, the first biological information that identification mobile terminal is collected；First biological information and mobile terminal are locally deposited
The reference biological information of storage is matched；If the first biological information fails with reference to biometric information matches,
The the first high in the clouds account matched with the first biological information is searched in account beyond the clouds；When the payment cipher for getting and
When the payment cipher of one high in the clouds account matches, pay invoice is treated by the first high in the clouds account and is paid.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Unit and algorithm steps, can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
Performed with hardware or software mode, depending on the application-specific and design constraint of technical scheme.Professional and technical personnel
Described function, but this realization can be realized it is not considered that exceeding using distinct methods to each specific application
The scope of the present invention.
It is apparent to those skilled in the art that, for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
In embodiment provided herein, it should be understood that disclosed apparatus and method, can be by other
Mode is realized.For example, device embodiment described above is only schematical, for example, the division of the unit, is only
A kind of division of logic function, can there is other dividing mode when actually realizing, such as multiple units or component can combine or
Person is desirably integrated into another system, or some features can be ignored, or does not perform.Another, shown or discussed is mutual
Between coupling or direct-coupling or communication connection can be the INDIRECT COUPLING or communication link of device or unit by some interfaces
Connect, can be electrical, mechanical or other forms.
The unit that is illustrated as separating component can be or may not be it is physically separate, it is aobvious as unit
The part for showing can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be according to the actual needs selected to realize the mesh of this embodiment scheme
's.
In addition, during each functional unit in each embodiment of the invention can be integrated in a processing unit, it is also possible to
It is that unit is individually physically present, it is also possible to which two or more units are integrated in a unit.
If the function is to realize in the form of SFU software functional unit and as independent production marketing or when using, can be with
Storage is in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used to so that a computer equipment (can be individual
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the invention.
And foregoing storage medium includes：USB flash disk, mobile hard disk, ROM, RAM, magnetic disc or CD etc. are various can be with store program codes
Medium.
Above-described is the preferred embodiment of the present invention, it should be pointed out that the ordinary person for the art comes
Say, some improvements and modifications can also be made under the premise of principle of the present invention is not departed from, and these improvements and modifications also exist
In protection scope of the present invention.
Claims (10)
1. a kind of method of payment of mobile terminal, it is characterised in that the method for payment includes：
Interface to be paid is entered according to the order to be paid for getting；Wherein, the interface to be paid pays including local account
Mode and high in the clouds bill payment mode；
When selecting high in the clouds bill payment mode to be paid, the first biological information that identification mobile terminal is collected；
The reference biological information that first biological information is locally stored with the mobile terminal is matched；
If first biological information fails with the reference biometric information matches, beyond the clouds in account search with
The first high in the clouds account that first biological information matches；
When the payment cipher for getting matches with the payment cipher of first high in the clouds account, by first high in the clouds account
Family pays to the order to be paid.
2. the method for payment of mobile terminal according to claim 1, it is characterised in that the method for payment also includes：
If first biological information and the reference biometric information matches success, beyond the clouds in account search with
The second high in the clouds account that first biological information matches, and directly by second high in the clouds account wait to prop up to described
Order is paid to be paid.
3. the method for payment of mobile terminal according to claim 1, it is characterised in that the method for payment also includes：
When selecting the local account means of payment to be paid, the second biological characteristic letter that the mobile terminal is collected is recognized
Breath；
Second biological information is matched with the reference biological information；
If second biological information and reference biometric information matches success, directly pass through local account pair
The order to be paid is paid.
4. the method for payment of mobile terminal according to claim 1, it is characterised in that searched in the account beyond the clouds with
The step of the first high in the clouds account that first biological information matches, includes：
First biological information is sent to cloud server so that the cloud server search and feed back with it is described
The high in the clouds account that first biological information matches；
When getting the high in the clouds account matched with first biological information and having multiple, selected high in the clouds account is determined
Family is the first high in the clouds account.
5. the method for payment of mobile terminal according to claim 1, it is characterised in that the biological information is at least wrapped
Include：Finger print information, retinal information, facial information or iris information.
6. a kind of mobile terminal, it is characterised in that including：
Starting module, for entering interface to be paid according to the order to be paid for getting；Wherein, the interface to be paid includes
The local account means of payment and high in the clouds bill payment mode；
First identification module, for when selecting high in the clouds bill payment mode to be paid, identification mobile terminal collect the
One biological information；
First matching module, the reference for first biological information and the mobile terminal to be locally stored is biological special
Reference breath is matched；
First processing module, for when first biological information fails with the reference biometric information matches,
The the first high in the clouds account matched with first biological information is searched in account beyond the clouds；
First payment module, for when the payment cipher for getting matches with the payment cipher of first high in the clouds account,
The order to be paid is paid by first high in the clouds account.
7. mobile terminal according to claim 6, it is characterised in that also include：
Second processing module, for when the success of first biological information and the reference biometric information matches,
The the second high in the clouds account matched with first biological information is searched in account beyond the clouds, and directly passes through described second
High in the clouds account pays to the order to be paid.
8. mobile terminal according to claim 6, it is characterised in that also include：
Second identification module, for when selecting the local account means of payment to be paid, recognizing that the mobile terminal is collected
The second biological information；
Second matching module, for second biological information to be matched with the reference biological information；
Second payment module, for when the success of second biological information and the reference biometric information matches,
The order to be paid is paid by local account directly.
9. mobile terminal according to claim 6, it is characterised in that first processing module includes：
Transmitting element, for first biological information to be sent to cloud server, so that the cloud server is looked into
Look for and feed back the high in the clouds account matched with first biological information；
Determining unit, for when getting the high in the clouds account matched with first biological information and having multiple, it is determined that
Selected high in the clouds account is the first high in the clouds account.
10. mobile terminal according to claim 6, it is characterised in that the biological information at least includes：Fingerprint is believed
Breath, retinal information, facial information or iris information.
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| CN201611189887.9A CN106779722B (en) | 2016-12-21 | 2016-12-21 | A kind of method of payment and mobile terminal of mobile terminal |
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| CN201611189887.9A CN106779722B (en) | 2016-12-21 | 2016-12-21 | A kind of method of payment and mobile terminal of mobile terminal |
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| CN106779722B CN106779722B (en) | 2018-09-04 |
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| CN107301543A (en) * | 2017-06-29 | 2017-10-27 | 维沃移动通信有限公司 | A kind of method of mobile payment and mobile terminal |
| CN107423979A (en) * | 2017-06-30 | 2017-12-01 | 珠海市魅族科技有限公司 | A kind of method of payment and device, computer installation, readable storage medium storing program for executing |
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| CN110096996A (en) * | 2019-04-28 | 2019-08-06 | 深圳前海达闼云端智能科技有限公司 | Biological information identification method, device, terminal, system and storage medium |
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| CN110175834A (en) * | 2019-05-21 | 2019-08-27 | 王桂荣 | Minor's special electronic payment mechanism |
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| CN107301543A (en) * | 2017-06-29 | 2017-10-27 | 维沃移动通信有限公司 | A kind of method of mobile payment and mobile terminal |
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| CN106779722B (en) | 2018-09-04 |
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