CN108681902A - Mobile payment confirmation method, device, system and storage medium - Google Patents
Mobile payment confirmation method, device, system and storage medium Download PDFInfo
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- CN108681902A CN108681902A CN201810462794.1A CN201810462794A CN108681902A CN 108681902 A CN108681902 A CN 108681902A CN 201810462794 A CN201810462794 A CN 201810462794A CN 108681902 A CN108681902 A CN 108681902A
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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
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
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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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of mobile payment confirmation method, device, system and storage medium, the safety for improving mobile payment especially graphic code payment.Method of mobile payment, including：Reception carries the first biological information mobile payment request；Search the corresponding first e-payment account of the first biological information；It searches and is directed to pre-stored second biological information of the first e-payment account；If the first biological information is consistent with second biological information, according to e-payment account, the instant messaging account of its binding is searched；According to the instant messaging account found, the instant communication message of e-payment verification is sent by instant communication server；If receiving e-payment verification instant communication message state as read state；Or confirm the instant messaging response message of payment, then allow this payment；Otherwise refuse this payment.
Description
Technical field
The present invention relates to mobile payment technical field more particularly to a kind of mobile payment confirmation method, device, system and deposit
Storage media.
Background technology
Mobile payment is also referred to as mobile-phone payment, and user is using its first user terminal (being typically mobile phone) to the quotient that is consumed
A kind of mode that product or service are paid.User by mobile device, internet or closely sensing directly or indirectly to
Bank finance mechanism sends payment instruction and generates currency Zhi Fuyu fund displacement behaviors, to realize mobile payment function.It is mobile
Payment blends terminal device, internet, application provider and financial institution, provides currency payment, payment etc. to the user
Financial business.
Quick Response Code payment is a kind of new generation of wireless payment scheme built based on system of account.In the means of payment
Under, businessman can be assembled into the Transaction Informations such as account, commodity price one Quick Response Code and issue, and payment user passes through cell phone customer
End scans the two-dimensional code, and can realize payment and settlement.But still, if once user's Quick Response Code is stolen, there are user's accounts
The risk of the stolen brush in family, reduces the safety paid using Quick Response Code.
Invention content
A kind of mobile payment confirmation method of offer of the embodiment of the present invention, device, system and storage medium, to improve shifting
The safety of dynamic payment especially graphic code payment.
In a first aspect, a kind of mobile payment confirmation system is provided, including：
Electronic payment devices, the first biological information for acquiring payment user；By the first biological characteristic of acquisition
Information is carried is sent to the mobile payment server in mobile payment request；And
Mobile payment server, for after receiving mobile payment request, in pre-stored e-payment
In the correspondence of account and biological information, the corresponding e-payment account of first biological information is searched；Root
According to the e-payment account, searches and be directed to pre-stored second biological information of the e-payment account；Compare institute
It states the first biological information and whether second biological information is consistent；If first biological information and institute
It is consistent to state the second biological information, then according to the e-payment account, searches the instant of the e-payment account binding
Telecommunications account；According to the instant messaging account found, the first user terminal for currently logging in the instant messaging account is searched
Terminal iidentification；According to the terminal iidentification found, electronics is sent to first user terminal by instant communication server
The instant communication message of payment verification；And if within the set duration determine receive first user terminal pass through it is instant
The e-payment verification instant communication message state that the communication server returns is read state；Or it receives within the set duration
The instant messaging response message of the confirmation payment returned to first user terminal, then allow this payment；If described
One biological information and second biological information are inconsistent, or if receive described first within the set duration
It is unread status that user terminal verifies instant communication message state by the e-payment that instant communication server returns, or
The instant messaging response message for receiving the refusal to pay that first user terminal is returned by instant communication server, then refuse
This payment absolutely；
First user terminal, for showing that short message is verified in the e-payment received；And pass through instant messaging service
Device returns to the reading shape that instant communication message is verified in the e-payment in the setting duration to the mobile payment server
State；Or within the set duration, it is taken to the mobile payment by instant communication server according to the operation of the payment user
Business device returns to the instant messaging response message for confirming payment or refusal to pay.
Optionally, mobile payment provided in an embodiment of the present invention confirms system, further includes second user terminal, wherein：
The second user terminal is tied up for being directed to registered e-payment account to mobile payment server transmission
It is fixed to ask, the biological information of the second user terminal acquisition is carried in the bind request；
The mobile payment server, for according to the bind request, establishing the biology carried in the bind request
Correspondence between characteristic information and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
The mobile payment server is additionally operable to, according to the e-payment account, search and be directed to the e-payment
While account pre-stored second biological information, according to the e-payment account, searches and be directed to the electronics branch
It pays a bill the pre-stored second fingerprint input sequence in family；And according to the e-payment account, search the e-payment
Before the instant messaging account of account binding, the first fingerprint input sequence and the second fingerprint input sequence one are determined
It causes.
Second aspect provides a kind of mobile payment confirmation method, including：
The mobile payment request that electronic payment devices are sent is received, carries payment user's in the mobile payment request
First biological information；
In the correspondence of pre-stored e-payment account and biological information, it is special to search first biology
Reference ceases corresponding first e-payment account；
According to the first e-payment account, search for pre-stored second life of the first e-payment account
Object characteristic information；
Compare first biological information and whether second biological information is consistent；
If consistent, according to the e-payment account, the instant messaging account of the e-payment account binding is searched
Family；
According to the instant messaging account found, the first user terminal for currently logging in the instant messaging account is searched
Terminal iidentification；
According to the terminal iidentification found, e-payment is sent to first user terminal by instant communication server
The instant communication message of verification；And
If determination receives the electricity that first user terminal is returned by instant communication server within the set duration
Sub- payment verification instant communication message state is read state；Or first user terminal is received within the set duration
The instant messaging response message of the confirmation payment of return, then allow this payment；
If first biological information and second biological information are inconsistent, or if in setting
First user terminal is received in length, and instant communication message shape is verified by the e-payment that instant communication server returns
State is unread status, or receive the refusal to pay that first user terminal is returned by instant communication server i.e.
When communication response message, then refuse this payment.
Optionally, the correspondence of the e-payment account and biological information is to be obtained according to following below scheme：
It receives second user terminal and is directed to the bind request that registered e-payment account is sent, taken in the bind request
Biological information with second user terminal acquisition；
According to the bind request received, the biological information carried in the bind request and registered electronics are established
Correspondence between payment account and storage.
Optionally, first biological information or the second generation characteristic information include following any：Vocal print is special
Reference breath, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
According to the first e-payment account, searches and be directed to the first e-payment account pre-stored second
While biological information, further include：
According to the e-payment account, search suitable for the pre-stored second fingerprint input of the e-payment account
Sequence；And
According to the e-payment account, before the instant messaging account for searching the e-payment account binding, go back
Including：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
The third aspect provides a kind of mobile payment confirmation device, including：
First receiving unit, the mobile payment request for receiving electronic payment devices transmission, the mobile payment request
In carry payment user the first biological information；
First searching unit is used in the correspondence of pre-stored e-payment account and biological information,
Search the corresponding first e-payment account of first biological information；
Second searching unit, for according to the first e-payment account, searching and being directed to the first e-payment account
Pre-stored second biological information in family；
Comparing unit, it is whether consistent for first biological information and second biological information；
Third searching unit, for the comparison result according to the comparing unit, if the comparison result is consistent, root
According to the e-payment account, the instant messaging account of the e-payment account binding is searched；
4th searching unit, for according to the instant messaging account found, lookup currently to log in the instant messaging account
The terminal iidentification of first user terminal at family；
Transmission unit, it is whole to first user by instant communication server for the terminal iidentification that basis is found
End sends the instant communication message of e-payment verification；
Payment processing unit, if for determining that receiving first user terminal passes through Instant Messenger within the set duration
The e-payment verification instant communication message state that telecommunications services device returns is read state；Or it receives within the set duration
The instant messaging response message for the confirmation payment that first user terminal returns, then allow this payment；If described first
Biological information and second biological information are inconsistent, or are used if receiving described first within the set duration
It is unread status, Huo Zhejie that family terminal verifies instant communication message state by the e-payment that instant communication server returns
The instant messaging response message for receiving the refusal to pay that first user terminal is returned by instant communication server, then refuse
This payment.
Optionally, mobile payment provided in an embodiment of the present invention confirms device, further includes：
Second receiving unit is asked for receiving the binding that second user terminal is sent for registered e-payment account
It asks, the biological information of the second user terminal acquisition is carried in the bind request；
Correspondence relationship establishing unit, for according to the bind request received, establishing the life carried in the bind request
Correspondence between object characteristic information and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
Described device further includes determination unit, wherein：
Second searching unit is additionally operable to, according to the e-payment account, search and be directed to the e-payment account
While pre-stored second biological information in family, according to the e-payment account, searches and be directed to the e-payment
The pre-stored second fingerprint input sequence of account；
The determination unit is additionally operable to search the electricity according to the e-payment account in the third searching unit
Before the instant messaging account of sub- payment account binding, it is suitable to determine that the first fingerprint input sequence is inputted with second fingerprint
Sequence is consistent.
Fourth aspect provides a kind of computing device, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor so that on the processor executes
State the step described in any mobile payment confirmation method.
5th aspect, provides a kind of computer-readable storage medium, is stored with the calculating that can be executed by computing device
Machine program, when described program is run on the computing device so that the computing device executes any of the above-described mobile payment and confirms
Step described in method.
Mobile payment confirmation method, device, system and storage medium provided in an embodiment of the present invention, mobile payment server
When receiving mobile payment request, first according to the biological information of the payment user of electronic payment devices acquisition to payment
User carries out authentication can also in advance bind instant if certification passes through according further to e-payment account
Telecommunications account sends mobile payment to corresponding terminal device and verifies instant communication message, if the instant communication message is being set
Read state becomes read states or receives the response Instant Messenger of the confirmation payment for the instant communication message in duration
Believe message, then allow to pay, if the read state of the instant communication message within the set duration is unread state or reception
To the response instant communication message of the refusal to pay sent for the instant communication message, then refuse this payment, to improve
The safety of e-payment.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The purpose of the present invention and other advantages can be by the explanations write
Specifically noted structure is realized and is obtained in book, claims and attached drawing.
Description of the drawings
Attached drawing described herein is used to provide further understanding of the present invention, and constitutes the part of the present invention, this hair
Bright illustrative embodiments and their description are not constituted improper limitations of the present invention for explaining the present invention.In the accompanying drawings：
Fig. 1 is the structural schematic diagram that system is confirmed according to the mobile payment of embodiment of the present invention；
Fig. 2 is the implementation process diagram according to the binding electronic payment devices of embodiment of the present invention；
Fig. 3 is the e-payment account registered with it according to the biological information of the binding acquisition of embodiment of the present invention
Between correspondence implementation process diagram；
Fig. 4 is the correspondence established between instant messaging account and e-payment account according to embodiment of the present invention
Implementation process diagram；
Fig. 5 is the implementation process diagram according to the mobile payment confirmation method of embodiment of the present invention；
Fig. 6 is the structural schematic diagram that device is confirmed according to the mobile payment of embodiment of the present invention；
Fig. 7 is the structural schematic diagram according to the computing device of embodiment of the present invention..
Specific implementation mode
In order to improve the safety of mobile payment, an embodiment of the present invention provides a kind of mobile payment confirmation method, device,
System and storage medium.
It should be noted that the terminal device or user terminal in the present invention can be PC (full name in English：
Personal Computer, PC), tablet computer, personal digital assistant (Personal Digita l Assistant, PDA),
Personal communication service (full name in English：Personal Communication Service, PCS) phone, notebook and mobile phone etc.
Terminal device can also be the computer with mobile terminal, for example, it may be portable, pocket, hand-held, computer
Built-in or vehicle-mounted mobile device, the equipment that they can provide a user voice and/or data connectivity, and with nothing
Line access exchanges language and/or data.
In addition, term " first " in specification and claims and above-mentioned attached drawing in the embodiment of the present invention, "
Two ", " third " and " 4th " etc. are for distinguishing similar object, without being used to describe specific sequence or precedence.
It should be appreciated that the data used in this way can be interchanged in the appropriate case, so that the embodiments described herein can be in addition at this
In illustrate or description content other than sequence implement.
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
As shown in Figure 1, the application scenarios schematic diagram of its mobile payment confirmation method provided for this law embodiment.Payment is used
Family 10 and it is paid for the electronics that user (i.e. businessman user) 20 can respectively by being installed in terminal device 11 and terminal device 21
Payment client terminal logs in mobile payment server 12, wherein client can be to be installed on terminal device, such as mobile phone, tablet electricity
E-payment client in brain etc..Between terminal device 11 and terminal device 21 and mobile payment server 12 by network into
Row communication connection, the network can be LAN, wide area network or cellular network etc..Terminal device 11 can be portable equipment
(such as：Mobile phone, tablet, laptop etc.), or PC (PC, Personal Computer), mobile payment
Server 12 can be any equipment for being capable of providing electronic payment service.
It can also include the first user terminal 31 in the electronic fare payment system provided in the embodiment of the present invention, pay user 10
Payment affirmation can be carried out by the first user terminal 31.
It should be noted that when it is implemented, first user terminal 31 and terminal device 11 may be same equipment,
May be different equipment.First user terminal 31 can be communicated by communication network with instant communication server, and first
Between user terminal 31 and instant communication server.It is communicatively coupled by network, which can be LAN, wide area network
Or cellular network etc..
It pays user 10 and acquisition instant messaging account, instant messaging is registered to instant communication server by terminal device 11
The user password that server stores instant messaging account name after user succeeds in registration and is arranged with payment user 10 is made
For authentication information, when continuation payment user 10 logs on instant communication server using the first user terminal 31, instant messaging
Server returns to login page to client, and the login page input authentication information that payment user 10 shows in client is (immediately
Telecommunications account name and user password) and instant communication server is submitted to, instant communication server compares user and certification is submitted to believe
Whether the authentication information that stores one is shown and determines whether that user logs in when breath is with from user's registration.In payment user 10
After logining successfully, instant communication server needs to record the end of instant messaging account and the first user terminal that user currently logs in
Correspondence between the mark of end.
Wherein, it payment user 10 and is paid for user 20 and is utilized respectively terminal device 11 and terminal device 21 by movement
Payment server 12 registration obtain user name, mobile payment server 12 stored after user succeeds in registration user name and
With payment user 10 and the user password for being paid for the setting of user 20 as authentication information, continuation payment user 10 be paid for using
When family 20 logs on mobile payment server 12, mobile payment server 12 returns to login page to client, pays user
It 10 and is paid for login page input authentication information (i.e. user name and user password) that user 20 shows in client and submits
To mobile payment server 12, mobile payment server 12, which compares when user submits authentication information with from user's registration, to be stored
Authentication information whether one show determine whether user log in.
After user registration success, e-payment account can be sent to mobile payment server 12 and open request, with open-minded
E-payment account.
Wherein, user is paid for after e-payment account is opened successfully, can bind the electronics branch for receiving payment
Dispensing apparatus 22 includes graphic code scan module and living things feature recognition in the electronic payment devices involved in the embodiment of the present invention
Module, wherein biological characteristic recognition module may include following at least one：Voiceprint identification module, fingerprint identification module, iris
Identification module and facial picture recognition module.Correspondingly, the biological information involved in the embodiment of the present invention may include with
Under it is any：Vocal print feature information, fingerprint feature information, iris feature information and facial image feature information.
Terminal device 21 can be utilized to be taken to mobile payment according to flow shown in Fig. 2 when it is implemented, being paid for user
Business device binds electronic payment devices, includes the following steps：
S21, be paid for user by terminal device to mobile payment server send the first bind request.
In this step, it is paid for user and the first bind request is sent to mobile payment server 12 by terminal device 21.
Wherein, the first device identification of electronic payment devices is carried in the first bind request of transmission, is paid for user's registration and is obtained
User name, be paid for the e-payment account identification of user's registration and the second device identification of terminal device 21.
S22, mobile payment server establish the user name carried in the first bind request, according to the first bind request
Correspondence between one device identification and the second device identification.
It should be appreciated that before determining that allowing to be paid for account binds electronic payment devices, mobile payment server also needs
It to be authenticated according to information such as the registration username and passwords for being paid for user to being paid for user and determine that the authentication is passed.
As shown in table 1, it is the user name of mobile payment server foundation, is paid for the e-payment account of user's registration
Correspondence signal between mark, the first device identification and the second device identification.
Table 1
| User name | First device identification | Second device identification | E-payment account identification |
| …… | …… | …… | …… |
It should be noted that electronic payment devices 22 can be independent equipment, or the life in terminal device 21
Object characteristic information acquisition module and graphic code scan module etc..
User is paid after e-payment account is opened successfully, the biological characteristic of itself can be acquired by terminal device 11
Information, and bind the correspondence between the biological information of acquisition and its e-payment account registered.As shown in figure 3,
Payment user can ask the biological information of binding acquisition to be registered with it according to following below scheme to mobile payment server
Correspondence between e-payment account：
S31, payment user send the second bind request by terminal device to mobile payment server.
In this step, payment user sends the second bind request using terminal device 11 to mobile payment server.Second
The life that user name, e-payment account identification and the terminal device 11 that payment user's registration obtains acquire is carried in bind request
Object characteristic information, the device identification of terminal device 11 and payment electronic account payment cipher set by user, the biological characteristic
Information can be following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image features letter
Breath.
S32, mobile payment server establish user name, e-payment account identification and biology according to the second bind request
Correspondence between characteristic information and device identification and storage.
It should be appreciated that before determining that permission payment account binds biological information, mobile payment server also needs to
The information such as the username and password according to payment user's registration authenticate payment user and determine that the authentication is passed.Such as 2 institute of table
Show, for mobile payment server 12 establish user name, e-payment account identification, biological information, device identification with
And the correspondence signal between electronic account payment cipher set by user.
Table 2
| User name | Device identification | Biological information | E-payment account identification |
| …… | …… | …… | …… |
In addition, payment user also needs to bind the corresponding pass between registered instant messaging account and e-payment account
System, for carrying out e-payment confirmation, specifically, payment user is logging in mobile payment server 12 using the user name of registration
After success, binding immediate communication account can be asked to mobile payment server 12, as shown in figure 4, payment user can utilize
Terminal device 11 establishes the correspondence between phone number and e-payment account according to following below scheme, includes the following steps：
Instant messaging account's bind request that S41, mobile payment server receiving terminal apparatus are sent.
When it is implemented, payment user can send mobile payment account by terminal device 11 to mobile payment server
Bind request, wherein carrying the phone number that need to be bound.
S42, mobile payment server are by instant communication server according to the instant messaging account wherein carried to corresponding
Instant messaging account send identifying code.
In this step, mobile payment server sends checking request according to instant messaging account to instant communication server,
Identifying code is wherein carried, after payment user receives identifying code by instant messaging account, identifying code carrying is being verified
Mobile payment server is sent in message, mobile payment server compares the verification that the identifying code of user's submission is sent with itself
Whether code is consistent.
S43, mobile payment server compare the identifying code that receiving terminal apparatus returns and whether the identifying code of transmission is consistent,
If consistent, S44 is thened follow the steps, if it is inconsistent, executing step S45.
S44, mobile payment server establish the user name that the instant messaging account received currently logs in payment user
Correspondence between e-payment account identification and storage, flow terminate.
As shown in table 3, it is instant messaging account, user name and the e-payment account mark of mobile payment server foundation
Correspondence signal between knowledge：
Table 3
| User name | Instant messaging account | E-payment account identification |
When it is implemented, mobile payment server can also merge storage table 2 and table 3, the expression after merging is anticipated such as 4 institute of table
Show：
Table 4
| User name | Device identification | Biological information | E-payment account identification | Instant messaging account |
| …… | …… | …… | …… | …… |
S45, refuse this request.
Based on this, in mobile payment confirmation system provided in an embodiment of the present invention：
Electronic payment devices 22, the first biological information for acquiring payment user；First biology of acquisition is special
Reference breath is carried is sent to the mobile payment server in mobile payment request；
Mobile payment server 12, for after receiving mobile payment request, in pre-stored electronics branch
It pays a bill in the correspondence of family and biological information, searches the corresponding e-payment account of first biological information；
According to the e-payment account, searches and be directed to pre-stored second biological information of the e-payment account；Compare
Whether first biological information and second biological information are consistent；If first biological information with
Second biological information is consistent, then according to the e-payment account, search the e-payment account binding i.e.
When telecommunications account；According to the instant messaging account found, the first user end for currently logging in the instant messaging account is searched
The terminal iidentification at end 31；According to the terminal iidentification found, sent out to first user terminal 31 by instant communication server
The instant communication message of the sub- payment verification of power transmission；And if determination receives first user terminal 31 within the set duration
Instant communication message state is verified as read state by the e-payment that instant communication server returns；Or in setting
The instant messaging response message that the confirmation payment that first user terminal 31 returns is received in length, then allow this payment；
If first biological information and second biological information are inconsistent, or if receive within the set duration
It is not to verify instant communication message state by the e-payment that instant communication server returns to first user terminal 31
Read state, or receive the instant of the refusal to pay that first user terminal is returned by the instant communication server
Communication response message then refuses this payment；
First user terminal 31, for showing that short message is verified in the e-payment received；And convinced by Instant Messenger
Business device returns to the reading that instant communication message is verified in the e-payment in the setting duration to the mobile payment server
State；Or within the set duration, according to the operation of the payment user by instant communication server to the mobile payment
Server returns to the instant messaging response message for confirming payment or refusal to pay.
Optionally, can also include second user terminal in mobile payment confirmation system provided in an embodiment of the present invention,
In：
The second user terminal is tied up for being directed to registered e-payment account to mobile payment server transmission
It is fixed to ask, the biological information of the second user terminal acquisition is carried in the bind request；
The mobile payment server, for according to the bind request, establishing the biology carried in the bind request
Correspondence between characteristic information and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
The mobile payment server is additionally operable to, according to the e-payment account, search and be directed to the e-payment
While account pre-stored second biological information, according to the e-payment account, searches and be directed to the electronics branch
It pays a bill the pre-stored second fingerprint input sequence in family；And according to the e-payment account, search the e-payment
Before the instant messaging account of account binding, the first fingerprint input sequence and the second fingerprint input sequence one are determined
It causes.
Based on same inventive concept, an embodiment of the present invention provides a kind of mobile payment confirmation methods, as shown in figure 5, can
To include the following steps：
S51, mobile payment server receive the mobile payment request that electronic payment devices are sent, the mobile payment request
In carry payment user the first biological information.
S52, mobile payment server in the correspondence of pre-stored e-payment account and biological information,
Search the corresponding first e-payment account of first biological information.
S53, mobile payment server search according to the first e-payment account and are directed to the first e-payment account
Pre-stored second biological information in family.
Whether the first biological information described in S54, comparison and second biological information are consistent, if it is,
Step S55 is executed, if not, thening follow the steps S510.
S55, according to the e-payment account, search the instant messaging account of the e-payment account binding.
The instant messaging account that S56, basis are found searches the first user end for currently logging in the instant messaging account
The terminal iidentification at end.
The terminal iidentification that S57, basis are found sends electronics by instant communication server to first user terminal
The instant communication message of payment verification.
S58, judge to determine that receive first user terminal is returned by instant communication server within the set duration
E-payment verification instant communication message state be read state；Or first user is received within the set duration
Otherwise the instant messaging response message for the confirmation payment that terminal returns, executes step S510 if so, thening follow the steps S59.
S59, this payment, flow is allowed to terminate.
When it is implemented, passing through instant messaging service if determining receive first user terminal within the set duration
The e-payment verification instant communication message state that device returns is read state；Or described is received within the set duration
The instant messaging response message for the confirmation payment that one user terminal returns, then allow this payment.
S510, refuse this payment.
When it is implemented, if first biological information and second biological information are inconsistent, or
If receiving first user terminal within the set duration to verify i.e. by the e-payment that instant communication server returns
When communication information state be unread status, or receive what first user terminal was returned by instant communication server
The instant messaging response message of refusal to pay, then refuse this payment.
Based on same inventive concept, a kind of mobile payment confirmation device is additionally provided in the embodiment of the present invention, due to above-mentioned
The principle that device solves the problems, such as is similar to mobile payment confirmation method, therefore the implementation of above-mentioned apparatus may refer to the reality of method
It applies, overlaps will not be repeated.
As shown in fig. 6, it confirms the structural schematic diagram of device for mobile payment provided in an embodiment of the present invention, including：
First receiving unit 61, the mobile payment request for receiving electronic payment devices transmission, the mobile payment are asked
The first biological information of payment user is carried in asking；
First searching unit 62, for the correspondence in pre-stored e-payment account and biological information
In, search the corresponding first e-payment account of first biological information；
Second searching unit 63, for according to the first e-payment account, searching and being directed to first e-payment
Pre-stored second biological information of account；
Comparing unit 64, for first biological information and second biological information whether one
It causes；
Third searching unit 65, for the comparison result according to the comparing unit, if the comparison result is consistent,
According to the e-payment account, the instant messaging account of the e-payment account binding is searched；
4th searching unit 66, for according to the instant messaging account found, lookup currently to log in the instant messaging
The terminal iidentification of the first user terminal of account；
Transmission unit 67, for according to the terminal iidentification that finds, by instant communication server to first user
Terminal sends the instant communication message of e-payment verification；
Payment processing unit 68, if within the set duration determine receive first user terminal pass through it is instant
The e-payment verification instant communication message state that the communication server returns is read state；Or it receives within the set duration
The instant messaging response message of the confirmation payment returned to first user terminal, then allow this payment；If described
One biological information and second biological information are inconsistent, or if receive described first within the set duration
It is unread status that user terminal verifies instant communication message state by the e-payment that instant communication server returns, or
The instant messaging response message for receiving the refusal to pay that first user terminal is returned by instant communication server, then refuse
This payment absolutely.
Optionally, mobile payment provided in an embodiment of the present invention confirms device, further includes：
Second receiving unit is asked for receiving the binding that second user terminal is sent for registered e-payment account
It asks, the biological information of the second user terminal acquisition is carried in the bind request；
Correspondence relationship establishing unit, for according to the bind request received, establishing the life carried in the bind request
Correspondence between object characteristic information and registered e-payment account and storage.
Optionally, first biological information or the second biological information include following any：Vocal print feature
Information, fingerprint feature information, iris feature information and facial image feature information.
Optionally, first biological information is at least two fingerprint feature informations, in the mobile payment request
Also carry the first fingerprint input sequence；And
Described device further includes determination unit, wherein：
Second searching unit is additionally operable to, according to the e-payment account, search and be directed to the e-payment account
While pre-stored second biological information in family, according to the e-payment account, searches and be directed to the e-payment
The pre-stored second fingerprint input sequence of account；
The determination unit is additionally operable to search the electricity according to the e-payment account in the third searching unit
Before the instant messaging account of sub- payment account binding, it is suitable to determine that the first fingerprint input sequence is inputted with second fingerprint
Sequence is consistent.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement the function of each module (or unit) can be realized in same or multiple softwares or hardware when the present invention.
After the mobile payment confirmation method and device for describing exemplary embodiment of the invention, next, introducing
The computing device of another exemplary embodiment according to the present invention.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, i.e.,：It is complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
In some possible embodiments, computing device according to the present invention can include at least at least one processing
Device and at least one processor.Wherein, the memory has program stored therein code, when said program code is by the processing
When device executes so that the processor executes the shifting according to the various illustrative embodiments of the present invention of this specification foregoing description
Step in dynamic payment affirmation method.For example, the processor can execute step S51 as shown in Figure 5, receive electronics branch
The mobile payment request that dispensing apparatus is sent carries the first biological information of payment user in the mobile payment request.
S52, in the correspondence of pre-stored e-payment account and biological information, search first biological characteristic letter
Cease corresponding first e-payment account.S53, according to the first e-payment account, search and be directed to the first electronics branch
It pays a bill pre-stored second biological information in family.First biological information described in S54, comparison and second biology are special
Whether reference breath is consistent, if so, S55 is thened follow the steps, if not, thening follow the steps S510.S55, according to the electronics branch
It pays a bill family, searches the instant messaging account of the e-payment account binding.The instant messaging account that S56, basis are found, looks into
Look for the terminal iidentification for currently logging in the first user terminal of the instant messaging account.The terminal iidentification that S57, basis are found,
By instant communication server the instant communication message that e-payment is verified is sent to first user terminal.S58, judge
Determine that receive first user terminal is verified immediately by the e-payment that instant communication server returns in setting duration
Communication information state is read state；Or the confirmation payment that first user terminal returns is received within the set duration
Instant messaging response message otherwise, execute step S510 if so, then follow the steps S59.S59, allow this payment, flow
Journey terminates.S510, refuse this payment.
The computing device 70 of this embodiment according to the present invention is described referring to Fig. 7.The calculating dress that Fig. 7 is shown
It is only an example to set 70, should not bring any restrictions to the function and use scope of the embodiment of the present invention.
As shown in fig. 7, computing device 70 is showed in the form of universal computing device.The component of computing device 70 may include
But it is not limited to：Above-mentioned at least one processor 71, above-mentioned at least one processor 72, (including the storage of connection different system component
Device 72 and processor 71) bus 73.
Bus 73 indicates one or more in a few class bus structures, including memory bus or Memory Controller,
Peripheral bus, processor or the local bus using the arbitrary bus structures in a variety of bus structures.
Memory 72 may include the readable medium of form of volatile memory, such as random access memory (RAM) 721
And/or cache memory 722, it can further include read-only memory (ROM) 723.
Memory 72 can also include program/utility 725 with one group of (at least one) program module 724, this
The program module 724 of sample includes but not limited to：Operating system, one or more application program, other program modules and journey
Ordinal number evidence may include the realization of network environment in each or certain combination in these examples.
Computing device 70 can also be communicated with one or more external equipments 74 (such as keyboard, sensing equipment etc.), may be used also
Enable a user to the equipment interacted with computing device 70 communication with one or more, and/or with enable the computing device 70
Any equipment (such as the router, modem etc.) communication communicated with one or more of the other computing device.This
Kind communication can be carried out by input/output (I/O) interface 75.Also, computing device 70 can also pass through network adapter 76
With one or more network (such as LAN (LAN), wide area network (WAN) and/or public network, such as internet) communication.
As shown, network adapter 76 is communicated by bus 73 with other modules for computing device 70.It will be appreciated that though figure
In be not shown, can in conjunction with computing device 70 use other hardware and/or software module, including but not limited to：Microcode, equipment
Driver, redundant processor, external disk drive array, RAID system, tape drive and data backup storage system etc..
In some possible embodiments, the various aspects of mobile payment confirmation method provided by the invention can also be real
It is now a kind of form of program product comprising program code, it is described when described program product is run on a computing device
Program code be used to make the computer equipment execute this specification foregoing description according to the various exemplary embodiment party of the present invention
Step in the mobile payment confirmation method of formula, for example, the computer equipment can execute step S51 as shown in Figure 5,
The mobile payment request that electronic payment devices are sent is received, the first biology of payment user is carried in the mobile payment request
Characteristic information.S52, in the correspondence of pre-stored e-payment account and biological information, search described first
The corresponding first e-payment account of biological information.S53, according to the first e-payment account, search for described
Pre-stored second biological information of first e-payment account.First biological information described in S54, comparison with it is described
Whether the second biological information is consistent, if so, S55 is thened follow the steps, if not, thening follow the steps S510.S55, basis
The e-payment account searches the instant messaging account of the e-payment account binding.S56, basis find instant
Telecommunications account searches the terminal iidentification for currently logging in the first user terminal of the instant messaging account.S57, basis are found
Terminal iidentification, by instant communication server to first user terminal send e-payment verify instant messaging disappear
Breath.S58, judge that determination receives the electronics that first user terminal is returned by instant communication server within the set duration
Payment verification instant communication message state is read state；Or first user terminal is received within the set duration and is returned
Otherwise the instant messaging response message for the confirmation payment returned, executes step S510 if so, thening follow the steps S59.S59, permit
Perhaps this pays, and flow terminates.S510, refuse this payment.
The arbitrary combination of one or more readable mediums may be used in described program product.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or the arbitrary above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes：Electrical connection, portable disc with one or more conducting wires, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The read-only storage of portable compact disc may be used in the program product for mobile payment of embodiments of the present invention
Device (CD-ROM) and include program code, and can run on the computing device.However, the program product of the present invention is not limited to
This, in this document, readable storage medium storing program for executing, which can be any, includes or the tangible medium of storage program, which can be commanded
The either device use or in connection of execution system, device.
Readable signal medium may include in a base band or as the data-signal that a carrier wave part is propagated, wherein carrying
Readable program code.Diversified forms may be used in the data-signal of this propagation, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, which can send, propagate either transmission for being used by instruction execution system, device or device or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
It can be write with any combination of one or more programming languages for executing the program that operates of the present invention
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It executes on computing device, partly execute on a user device, being executed as an independent software package, partly in user's calculating
Upper side point is executed or is executed in remote computing device or server completely on a remote computing.It is being related to far
In the situation of journey computing device, remote computing device can pass through the network of any kind --- including LAN (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
It should be noted that although being referred to several units or subelement of device in above-detailed, this stroke
It point is only exemplary not enforceable.In fact, according to the embodiment of the present invention, it is above-described two or more
The feature and function of unit can embody in a unit.Conversely, the feature and function of an above-described unit can
It is embodied by multiple units with being further divided into.
In addition, although the operation of the method for the present invention is described with particular order in the accompanying drawings, this do not require that or
Hint must execute these operations according to the particular order, or have to carry out shown in whole operation could realize it is desired
As a result.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or by one
Step is decomposed into execution of multiple steps.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications can be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (14)
1. a kind of mobile payment confirms system, which is characterized in that including：
Electronic payment devices, the first biological information for acquiring payment user；By the first biological information of acquisition
It carries and is sent to the mobile payment server in mobile payment request；And
Mobile payment server, for after receiving mobile payment request, in pre-stored e-payment account
With in the correspondence of biological information, search the corresponding e-payment account of first biological information；According to institute
E-payment account is stated, searches and is directed to pre-stored second biological information of the e-payment account；Compare described
Whether one biological information and second biological information are consistent；If first biological information and described the
Two biological informations are consistent, then according to the e-payment account, search the instant messaging of the e-payment account binding
Account；According to the instant messaging account found, the end for currently logging in the first user terminal of the instant messaging account is searched
End mark；According to the terminal iidentification found, e-payment is sent to first user terminal by instant communication server
The instant communication message of verification；And pass through instant messaging if determining receive first user terminal within the set duration
The e-payment verification instant communication message state that server returns is read state；Or institute is received within the set duration
The instant messaging response message for stating the confirmation payment of the first user terminal return, then allow this payment；If first life
Object characteristic information and second biological information are inconsistent, or if receive first user within the set duration
It is unread status that terminal verifies instant communication message state by the e-payment that instant communication server returns, or is received
The instant messaging response message of the refusal to pay returned to first user terminal by the instant communication server, then refuse
This payment absolutely；
First user terminal, for showing that short message is verified in the e-payment received；And by instant communication server to
The mobile payment server returns to the read state that instant communication message is verified in the e-payment in the setting duration；Or
Person within the set duration, is returned by instant communication server to the mobile payment server according to the operation of the payment user
Return the instant messaging response message for confirming payment or refusal to pay.
2. the system as claimed in claim 1, which is characterized in that further include second user terminal, wherein：
The second user terminal is asked for being directed to registered e-payment account to mobile payment server transmission binding
It asks, the biological information of the second user terminal acquisition is carried in the bind request；
The mobile payment server, for according to the bind request, establishing the biological characteristic carried in the bind request
Correspondence between information and registered e-payment account and storage.
3. system as claimed in claim 1 or 2, which is characterized in that first biological information or the second biological characteristic
Information includes following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image feature information.
4. system as claimed in claim 3, which is characterized in that first biological information is at least two fingerprint characteristics
Information also carries the first fingerprint input sequence in the mobile payment request；And the mobile payment server, it is additionally operable to
According to the e-payment account, search for the same of pre-stored second biological information of the e-payment account
When, according to the e-payment account, searches and be directed to the pre-stored second fingerprint input sequence of the e-payment account；With
And before the instant messaging account for according to the e-payment account, searching the e-payment account binding, determine described in
First fingerprint input sequence is consistent with the second fingerprint input sequence.
5. a kind of mobile payment confirmation method, which is characterized in that including：
The mobile payment request that electronic payment devices are sent is received, the first of payment user is carried in the mobile payment request
Biological information；
In the correspondence of pre-stored e-payment account and biological information, the first biological characteristic letter is searched
Cease corresponding first e-payment account；
According to the first e-payment account, search special for pre-stored second biology of the first e-payment account
Reference ceases；
Compare first biological information and whether second biological information is consistent；
If consistent, according to the e-payment account, the instant messaging account of the e-payment account binding is searched；
According to the instant messaging account found, the terminal for currently logging in the first user terminal of the instant messaging account is searched
Mark；
According to the terminal iidentification found, e-payment verification is sent to first user terminal by instant communication server
Instant communication message；And
If determination receives the electronics branch that first user terminal is returned by instant communication server within the set duration
Verification instant communication message state is paid as read state；Or first user terminal is received within the set duration and is returned
Confirmation payment instant messaging response message, then allow this payment；
If first biological information and second biological information are inconsistent, or if within the set duration
Receiving the e-payment verification instant communication message state that first user terminal is returned by instant communication server is
Unread status, or receive the Instant Messenger for the refusal to pay that first user terminal is returned by instant communication server
Believe response message, then refuses this payment.
6. method as claimed in claim 5, which is characterized in that the e-payment account is corresponding with biological information to close
System is to be obtained according to following below scheme：
It receives second user terminal and is directed to the bind request that registered e-payment account is sent, carried in the bind request
The biological information of the second user terminal acquisition；
According to the bind request received, the biological information carried in the bind request and registered e-payment are established
Correspondence between account and storage.
7. such as method described in claim 5 or 6, which is characterized in that first biological information or the second generation are special
Reference breath includes following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image features letter
Breath.
8. the method for claim 7, which is characterized in that first biological information is at least two fingerprint characteristics
Information also carries the first fingerprint input sequence in the mobile payment request；And according to the first e-payment account
Family further includes while searching the second biological information pre-stored for the first e-payment account：
According to the e-payment account, searches and be directed to the pre-stored second fingerprint input sequence of the e-payment account；
And
According to the e-payment account, before the instant messaging account for searching the e-payment account binding, further include：
Determine that the first fingerprint input sequence is consistent with the second fingerprint input sequence.
9. a kind of mobile payment confirms device, which is characterized in that including：
First receiving unit, the mobile payment request for receiving electronic payment devices transmission are taken in the mobile payment request
The first biological information with payment user；
First searching unit, in the correspondence of pre-stored e-payment account and biological information, searching
The corresponding first e-payment account of first biological information；
Second searching unit, for according to the first e-payment account, searching pre- for the first e-payment account
The second biological information first stored；
Comparing unit, it is whether consistent for first biological information and second biological information；
Third searching unit, for the comparison result according to the comparing unit, if the comparison result is consistent, according to institute
E-payment account is stated, the instant messaging account of the e-payment account binding is searched；
4th searching unit, for according to the instant messaging account found, lookup currently to log in the instant messaging account's
The terminal iidentification of first user terminal；
Transmission unit, for according to the terminal iidentification found, being sent out to first user terminal by instant communication server
The instant communication message of the sub- payment verification of power transmission；
Payment processing unit, if for determining that receive first user terminal is convinced by Instant Messenger within the set duration
The e-payment verification instant communication message state that device returns of being engaged in is read state；Or it receives within the set duration described
The instant messaging response message for the confirmation payment that first user terminal returns, then allow this payment；If first biology
Characteristic information and second biological information are inconsistent, or whole if receiving first user within the set duration
It is unread status that instant communication message state is verified in end by the e-payment that instant communication server returns, or is received
The instant messaging response message for the refusal to pay that first user terminal is returned by instant communication server, then refuse this
Payment.
10. device as claimed in claim 9, which is characterized in that further include：
Second receiving unit is directed to the bind request that registered e-payment account is sent, institute for receiving second user terminal
State the biological information that the second user terminal acquisition is carried in bind request；
Correspondence relationship establishing unit, it is special for according to the bind request received, establishing the biology carried in the bind request
Reference ceases the correspondence between registered e-payment account and storage.
11. the device as described in claim 9 or 10, which is characterized in that first biological information or the second biology are special
Reference breath includes following any：Vocal print feature information, fingerprint feature information, iris feature information and facial image features letter
Breath.
12. device as claimed in claim 11, which is characterized in that first biological information is that at least two fingerprints are special
Reference ceases, and the first fingerprint input sequence is also carried in the mobile payment request；And
Described device further includes determination unit, wherein：
Second searching unit is additionally operable to, according to the e-payment account, search pre- for the e-payment account
While the second biological information first stored, according to the e-payment account, searches and be directed to the e-payment account
Pre-stored second fingerprint input sequence；
The determination unit is additionally operable to search the electronics branch according to the e-payment account in the third searching unit
It pays a bill before the instant messaging account of family binding, determines the first fingerprint input sequence and the second fingerprint input sequence one
It causes.
13. a kind of computing device, which is characterized in that including at least one processor and at least one processor, wherein institute
It states memory and is stored with computer program, when described program is executed by the processor so that the processor perform claim
It is required that the step of 5~8 any claim the method.
14. a kind of computer-readable storage medium, which is characterized in that it is stored with the computer journey that can be executed by computing device
Sequence, when described program is run on the computing device so that the computing device perform claim requires 5~8 any claims
The step of the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201810462794.1A CN108681902A (en) | 2018-05-15 | 2018-05-15 | Mobile payment confirmation method, device, system and storage medium |
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| CN201810462794.1A CN108681902A (en) | 2018-05-15 | 2018-05-15 | Mobile payment confirmation method, device, system and storage medium |
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