CN113570360B - Payment method, device, equipment and medium - Google Patents
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- CN113570360B CN113570360B CN202110741731.1A CN202110741731A CN113570360B CN 113570360 B CN113570360 B CN 113570360B CN 202110741731 A CN202110741731 A CN 202110741731A CN 113570360 B CN113570360 B CN 113570360B
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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 application discloses a payment method, a payment device, a payment equipment and a payment medium. The payment method comprises the following steps: receiving a first input of a target application program to pay a target order; in response to the first input, determining a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, the plurality of pre-stored payment accounts including at least one of: multiple payment accounts of the same user and payment accounts corresponding to each user in the multiple users; acquiring target biological feature verification information corresponding to a target application program according to the association information of the application program and the biological feature verification information; in the case where the target biometric verification information includes biometric verification information corresponding to the first input, payment is made for the target order through the target payment account. According to the embodiment of the application, the safety of the payment information in the payment process can be ensured, and the payment efficiency is improved.
Description
Technical Field
The application belongs to the technical field of internet, and particularly relates to a payment method, a payment device, a payment equipment and a payment medium.
Background
Electronic equipment has become an indispensable tool in people's life, has brought a great deal of convenience for people's daily life. For example, the electronic device provides a fingerprint authentication function by which a user can make an online payment.
However, there are many problems in the current online payment method through fingerprint authentication, for example, on an electronic device, after user a normally uses its own fingerprint authentication, payment is performed through account a, when account a logs off, and when user B logs in after switching account B of user B, user a can use its own fingerprint authentication, and then pay by account B, thus affecting the security of account B. Therefore, how to perform online payment through fingerprint authentication to ensure the security and payment efficiency of the payment process is a problem that needs to be solved gradually.
Disclosure of Invention
The embodiment of the application provides a payment method, a device, equipment and a medium, which can ensure the safety of payment information in the payment process and improve the payment efficiency.
In a first aspect, embodiments of the present application provide a payment method, which may include:
receiving a first input of a target application program to pay a target order;
In response to the first input, determining a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, the plurality of pre-stored payment accounts including at least one of: multiple payment accounts of the same user and payment accounts corresponding to each user in the multiple users;
acquiring target biological feature verification information corresponding to a target application program according to the association information of the application program and the biological feature verification information;
in the case where the target biometric verification information includes biometric verification information corresponding to the first input, payment is made for the target order through the target payment account.
In a second aspect, embodiments of the present application provide a payment device, which may include:
the receiving module is used for receiving a first input of a target order paid by a target application program;
a determining module, configured to determine, in response to the first input, a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, the plurality of pre-stored payment accounts including at least one of: multiple payment accounts of the same user and payment accounts corresponding to each user in the multiple users;
The acquisition module is used for acquiring target biological characteristic verification information corresponding to the target application program according to the association information of the application program and the biological characteristic verification information;
and a payment module for paying the target order through the target payment account if the target biometric verification information includes biometric verification information corresponding to the first input.
In a third aspect, embodiments of the present application provide a payment device, including: a processor and a memory storing computer program instructions;
the processor when executing the computer program instructions implements the payment method as shown in the first aspect.
In a fourth aspect, embodiments of the present application provide a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement a payment method as shown in the first aspect.
According to the payment method, device, equipment and medium, through receiving input of a target order paid by a target application program, a target payment account is determined from a plurality of payment accounts corresponding to the target application program, such as a plurality of payment accounts corresponding to a plurality of users or a plurality of payment accounts corresponding to each user, and under the condition that target biometric characteristic verification information such as fingerprint verification information, iris verification information and voiceprint verification information corresponding to the target application program passes verification, the target order is paid through the target payment account, so that in the same electronic equipment, order payment is carried out by the plurality of users by storing the payment accounts of the plurality of users and biometric characteristic verification information corresponding to each application program, namely on one electronic equipment, when the account A of the user A logs off, the account B of the user B is switched, the user B can adopt the biometric characteristic verification information of the user B to carry out identity authentication payment order, the account B is prevented from being stolen by other users, and the security of the payment information of the user B is ensured. Meanwhile, the user B can carry out identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in the non-self electronic equipment, and after the identity authentication is passed, the user B carries out payment order through the account B, so that the user B can finish fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, and meanwhile, various payment modes are provided for the user, and the user experience is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.
FIG. 1 is a schematic diagram of one embodiment of a payment architecture provided in accordance with the present application;
FIG. 2 is a schematic diagram of the architecture of an electronic device according to the payment architecture provided herein;
FIG. 3 is a three-stage flow diagram according to one embodiment of the payment method provided herein;
FIG. 4 is a flow diagram of one embodiment of a payment method provided in accordance with the present application;
FIG. 5 is a flow diagram of a stage of enrolling a fingerprint in accordance with one embodiment of the payment method provided herein;
FIG. 6 is a schematic structural diagram of one embodiment of a payment device provided in accordance with the present application;
fig. 7 is a schematic diagram of a hardware structure of an embodiment of a payment device provided according to the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application are described in detail below to make the objects, technical solutions and advantages of the present application more apparent, and to further describe the present application in conjunction with the accompanying drawings and the detailed embodiments. It should be understood that the specific embodiments described herein are merely configured to explain the present application and are not configured to limit the present application. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by showing examples of the present application.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.
The embodiment of the application provides a payment method, which is implemented in the same electronic device, and stores payment accounts of a plurality of users (such as payment accounts corresponding to each user in the plurality of users or a plurality of payment accounts of the same user) and biometric authentication information corresponding to an application program, so that when the plurality of users use the same electronic device to pay an order, identity authentication is performed through biometric authentication information of each user, and after the identity authentication is passed, the account corresponding to each user is adopted in a target application program to pay the order.
Based on this, the payment method provided in the embodiment of the present application is described in detail below with reference to fig. 1-2 through a specific embodiment and an application scenario thereof.
Embodiments of the present application provide a payment architecture that may include an electronic device 10 and a plurality of users, such as user 1 through user N, as shown in fig. 1. The electronic device may store a payment account, such as a bank card account, of each of the plurality of users, and biometric authentication information of each user, so that the payment account of each user is associated with biometric authentication information, such as fingerprint authentication information, iris authentication information, voiceprint authentication information, etc., corresponding thereto, to obtain the associated information. Based on this, when the electronic device receives input of the payment target order, a target payment account corresponding to the first input may be determined from a plurality of pre-stored payment accounts, then target biometric verification information corresponding to the target payment account may be acquired according to association information of the payment account and the biometric verification information, and then, in a case where the target biometric verification information includes biometric verification information corresponding to the first input, the target order may be paid through the target payment account.
In order to better handle the payment process, as shown in fig. 2, the electronic device in the embodiment of the present application may include at least one trusted application program supporting a payment order, an operating system, a payment control, and a trusted execution environment (Trusted Execution Environment, TEE) space, where the TEE control includes a fingerprint TA module.
Based on the above, the trusted application communicates with the payment control by calling an application programming interface (Application Programming Interface, API) of the payment control, and the white list of the plurality of applications stored in the payment control is stored in the payment control and authorized with the fingerprint TA module in the TEE space, so that the fingerprint TA module can be accessed when the biometric authentication information sent by the application in the white list is received, thereby realizing the process of storing the fingerprint authentication information. Similarly, when the first input is received and its target payment account is determined based on the payment control, the process of the target fingerprint authentication information is invoked from the fingerprint TA module after the target fingerprint authentication information corresponding to the target application is determined according to the association information stored in the payment control. In addition, although the application program in the related art can also perform interactive communication with the fingerprint TA module, the fingerprint TA module in the related art can only perform communication with a few application programs, and has no generality. The payment control provided in the embodiment of the application is a bridge for connecting the application program and the fingerprint TA module, so that more application programs can be in interactive communication with the fingerprint TA module through the payment control, and the utilization rate of the application programs in a payment scene is improved.
It should be noted that the payment control may be an application program built into an operating system of the electronic device. The application program built in the operating system is a default application program of the system preset by the electronic equipment, has higher authority and priority, and can not be uninstalled without being installed by a user. In this way, the payment control can be used to establish a bridge for communication between the trusted application and the fingerprint TA module, so as to implement the authentication process for storing the biometric authentication information and the biometric authentication information.
The fingerprint TA module is a necessary module for realizing that the biometric authentication information corresponding to a plurality of trusted application programs is stored in the same electronic equipment, so that a plurality of users log in the account of the trusted application programs by each user when using the same electronic equipment, and order payment is verified by using the fingerprints of the users. It should be noted that, in the current process of binding a specific fingerprint, a specific application program X is required to access the TA of the application program X specifically set by the application program X, which has no versatility. The method and the device for generating the first target interface in the embodiment of the application have universality by providing a unified interface such as a TEE interface, so that for the development end of the application program, the difficulty of developing a special interface by the development end of the application program can be reduced. For the electronic device, the memory capacity of the special interface can be reduced, namely, the communication between the plurality of application programs and the fingerprint TA module can be realized only through the first target interface.
Based on the above architecture, the three stages related to the payment method are described in detail with reference to fig. 3, where the payment method provided in the embodiment of the present application may include three stages, namely, a registration fingerprint stage, an authentication fingerprint stage, and an update fingerprint stage.
Here, 3 users, user a and user B, user C, will be described as an example. Based on this, user a, user B, and user C may each enter a corresponding payment account for each user in order to pay the order, respectively, at a trusted application on the electronic device.
First, during the register fingerprint phase, user A may bind applications A1 and A2 on the electronic device, user B binds applications A1, A2, and B on the electronic device, and user C binds payment account C on applications A1, A2, and B. The electronic device binds each user of each application program with biometric authentication information such as fingerprint authentication information, iris authentication information, voiceprint authentication information, etc., where, taking binding one or more fingerprint authentication information as an example, user a binds application program A1 and A2 with fingerprint 1 of his right thumb, user B binds application program A1, A2, and B with fingerprint 2 of his left thumb and fingerprint 3 of his right thumb, and user C binds application program A1, A2, and C with fingerprint 4 of his right index finger and fingerprint 5 of the middle finger. In this way, the electronic device will store the above-mentioned plural trusted applications (i.e., application A1, application A2, application B, and application C) and the association information of each of the plural applications with the biometric authentication information such as the association information 1 of application A1 and application A2 corresponding to the fingerprint 1 of user a, the association information 2 of applications A1, A2, and B corresponding to the fingerprint 2 and fingerprint 3 of user B, and the association information 3 of applications A1, A2, and C corresponding to the fingerprint 4 and fingerprint 5 of user C. And storing the fingerprint 1, the fingerprint 3, the fingerprint 4 and the fingerprint 5 in the fingerprint TA module. It should be noted that, in the stage of registering the fingerprint, if the electronic device does not support the fingerprint TA module, the original operating system is adopted to acquire the fingerprint function of the electronic device from the second target interface; otherwise, the payment control calls a first target interface defined by the fingerprint TA module, acquires fingerprint verification information stored by a user, and performs security encryption and signature on the fingerprint verification information, wherein the fingerprint TA module and the server respectively store the fingerprint verification information, and the purpose of storing the fingerprint verification information by the server is to prevent the fingerprint verification information from being unable to be verified when the fingerprint TA module in the electronic equipment fails.
Next, the electronic device receives a first input of a target order for the trusted application, and in response to the first input, the trusted application invokes a payment control to determine a target payment account, such as payment account B, corresponding to the first input from a plurality of pre-stored payment accounts, such as payment account A1, payment account A2, payment account B, and payment account C. Judging whether the fingerprint TA module stores the associated information corresponding to the target application program, and if the fingerprint TA module stores the associated information 2 corresponding to the target application program, calling the fingerprint TA module to acquire target biological feature verification information such as fingerprint 2 and fingerprint 3 corresponding to the target application program based on the associated information of the target application program and the biological feature verification information. Thus, in case fingerprint 2 and fingerprint 3 comprise first fingerprint information corresponding to a first input, such as fingerprint 2, the target order is paid through payment account B in the target application. Otherwise, if the fingerprint 2 and the fingerprint 3 do not include the first fingerprint information corresponding to the first input, such as the fingerprint X, the authentication failure information is displayed, and the user B is prompted to pay for the target order by other means, such as inputting an account password; or, in the case that the fingerprint 2 and the fingerprint 3 do not include the first fingerprint information corresponding to the first input, such as the fingerprint X, information of authentication failure is displayed, and fourth prompt information is displayed, where the fourth prompt information is used to prompt the user to add fingerprint verification information corresponding to the payment account B, so that the user can use the newly added fingerprint verification information to perform identity verification on the payment account B when the user pays an order next time.
Then, in the fingerprint updating stage, if the associated information is missing or the authorization time limit exceeds a preset threshold, third prompt information is displayed, and the third prompt information is used for prompting a user to update the associated information; and updating the association information under the condition that the user identity information is confirmed to pass verification.
In this way, by receiving input of a target order paid by a target application program, the payment method, device, equipment and medium of the embodiment of the present application determine a target payment account from a plurality of payment accounts corresponding to the target application program, such as a plurality of payment accounts corresponding to a plurality of users or a plurality of payment accounts corresponding to each user, and pay the target order through the target payment account when target biometric authentication information such as fingerprint authentication information, iris authentication information and voiceprint authentication information corresponding to the target application program passes, so that in the same electronic device, order payment is performed by the plurality of users by storing the payment accounts of the plurality of users and biometric authentication information corresponding to each application program, that is, on one electronic device, when the account a of the user a logs in, the account B of the user B is logged out, the user B can use the biometric authentication payment information of the user B to perform identity authentication payment, thereby avoiding the account B from being stolen by other users, and ensuring the security of payment information of the user B. Meanwhile, the user B can carry out identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in the non-self electronic equipment, and after the identity authentication is passed, the user B carries out payment order by adopting the account B, so that the user B can finish fingerprint, iris or voiceprint payment by the non-self electronic equipment, the payment efficiency is improved, and meanwhile, various payment modes are provided for the user, and the user experience is improved.
For a better understanding of the present application, a payment method, apparatus, device, and storage medium according to embodiments of the present application will be described in detail below with reference to fig. 4 to 7, and it should be noted that these embodiments are not intended to limit the scope of the present disclosure.
Fig. 4 is a flow diagram of one embodiment of a payment method provided in accordance with the present application.
As shown in fig. 4, the payment method may be applied to a payment apparatus or a payment device, i.e. any of the electronic devices shown in fig. 1-3, and the payment method may specifically include the following steps:
first, in step 410, a first input is received from a target application to pay for a target order.
Next, in response to the first input, a target payment account corresponding to the first input is determined from a plurality of pre-stored payment accounts corresponding to the target application, the plurality of pre-stored payment accounts including at least one of: multiple payment accounts of the same user, and a payment account corresponding to each user in the multiple users.
Next, in step 430, target biometric information corresponding to the target application is obtained according to the association information of the application and the biometric information.
Then, in step 440, the target order is paid through the target payment account in the event that the target biometric verification information includes biometric verification information corresponding to the first input.
Therefore, through receiving input of target order payment by the target application program, determining the target payment account from a plurality of payment accounts corresponding to the target application program, such as a plurality of payment accounts corresponding to a plurality of users or a plurality of payment accounts corresponding to each user, and when target biometric characteristic verification information such as fingerprint verification information, iris verification information and voiceprint verification information corresponding to the target application program passes verification, paying the target order by the target payment account, realizing that in the same electronic device, the plurality of users pay orders by storing the payment accounts of the plurality of users and biometric characteristic verification information corresponding to each application program, so that the plurality of users pay orders by using the same electronic device through biometric characteristic verification information of each user, namely, when the account A of the user A logs out, the account B of the user B is switched, the user B can adopt the biometric characteristic verification information of the user B to conduct identity authentication payment order, thereby avoiding that the account B is stolen by other users, and ensuring the safety of the payment information of the user B. Meanwhile, the user B can carry out identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in the non-self electronic equipment, and after the identity authentication is passed, the user B carries out payment order by adopting the account B, so that the user B can finish fingerprint, iris or voiceprint payment by the non-self electronic equipment, the payment efficiency is improved, and meanwhile, various payment modes are provided for the user, and the user experience is improved.
Based on this, the following describes the above steps in detail, specifically as follows:
first, in one or more possible embodiments, before referring to step 420, the payment method may further include:
receiving a second input of the login application;
determining, in response to the second input, whether biometric authentication information corresponding to the application is stored;
displaying first prompt information for prompting a user to add first biometric authentication information when the biometric authentication information corresponding to the application program is determined not to be stored;
and under the condition that the third input of the first biological characteristic verification information added by the user is received, the application program and the first biological characteristic verification information are associated, and the associated information is obtained.
It should be noted that, by default, when the target application program is logged in, the target application program may correspond to one or more payment accounts, and the one or more payment accounts are the same as the stored biometric authentication information of the user. Thus, here, the identity of the user can be verified against the target biometric verification information corresponding to the target application.
Based on this, in another or more possible embodiments, it may also be detected whether the account logged in the electronic device is the same as the account logged in to the target application, and if so, it proves that the user holding the electronic device and the user logged in to the target application are the same user, and at this time, the target order can be directly paid through the target payment account without authentication, so that the time for payment by the user is reduced, and the payment efficiency is improved. Based on this, the payment method may further include, before step 420:
detecting whether the first identity information of the login electronic equipment is the same as the second identity information of the login target application program;
and under the condition that the first identity information of the login electronic equipment is detected to be the same as the second identity information of the login target application program, paying the target order through the target payment account.
Here, the first identity information and the second identity information in the application embodiment are used to verify whether the holding electronic device and the login target application are the same user, so the identity information may include at least one of the following: any identity information of the same user can be verified using the same electronic device, using the same communication number, using the same identity credential, etc.
Based on this, in the case where it is determined that the biometric authentication information corresponding to the application program is stored, second prompting information for prompting the user whether to determine the stored biometric authentication information as the first biometric authentication information corresponding to the application program is displayed;
and displaying the first prompt information when a fourth input that the user does not determine the stored biometric authentication information as the first biometric authentication information is received.
Otherwise, in the case that the fifth input that the user determines the stored biometric authentication information as the first biometric authentication information is received, the application and the first biometric authentication information are associated, and the associated information is obtained.
Illustratively, as shown in fig. 5, biometric authentication information is taken as fingerprint authentication information for example. Step 501, the electronic device receives a second input of a login application; step 502, in response to the second input, determining whether fingerprint authentication information is stored in the fingerprint TA module; step 503, displaying first prompt information for prompting a user to add the first fingerprint verification information when it is determined that the fingerprint verification information corresponding to the application program is not stored in the fingerprint TA module; in step 504, in the case that it is determined that the first fingerprint verification information corresponding to the application program already exists in the fingerprint TA module, it is determined that the first fingerprint verification information is successfully added. Step 505, displaying second prompt information when it is determined that the fingerprint TA module stores fingerprint verification information, where the second prompt information is used to prompt a user whether to determine the stored fingerprint verification information as first fingerprint verification information corresponding to the application program; in step 506, in case a fifth input is received that the user determines the stored fingerprint authentication information as the first fingerprint authentication information, the application and the first fingerprint authentication information are associated, resulting in associated information. And step 507, storing the associated information in the fingerprint TA module and the background server respectively.
In yet another or more possible embodiments, which may be described in connection with the architecture shown in fig. 1, it may be determined whether the application that pays the target order is a target application, i.e., a trusted application, before responding to the first input, and if so, step 420 may be performed, whereby, before step 420, the payment method may further comprise:
when the electronic equipment comprises a payment control, determining whether an application program of a payment target order is a trusted application program or not through the payment control, wherein the payment control is a built-in application program of an operating system in the electronic equipment;
and determining the application program for paying the target order as the target application program in the case that the application program for paying the target order is determined to be a trusted application program.
Next, based on step 420, in one or more possible embodiments, step 430 may specifically include:
in response to the first input, detecting whether the electronic device comprises a first target interface, wherein the first target interface is an interface for information exchange between a module for storing associated information and a payment control;
and under the condition that the electronic equipment comprises the first target interface, acquiring target biological characteristic verification information corresponding to the target application program from a module storing the association information through the first target interface according to the result information of the target application program determined from the payment control program as the trusted application program.
It should be noted that, the biometric authentication information in the embodiment of the present application includes at least one of the following: fingerprint verification information, iris verification information, and voiceprint verification information.
Here, step 430 is described taking biometric authentication information as fingerprint authentication information as an example, that is, in the case where biometric authentication information is fingerprint authentication information, at least two different target fingerprint authentication information corresponding to a target application program are obtained according to first association information of the application program and the fingerprint authentication information, where the at least two different target fingerprint authentication information include fingerprints of fingers or toes at different positions of a user.
Thus, step 440 may specifically include: in the event that the at least two different target fingerprint verification information include first fingerprint information corresponding to the first input, payment is made to the target order through the target payment account.
Then, in one or more possible embodiments, after step 440, the payer may further include:
displaying third prompt information, wherein the third prompt information is used for prompting a user to update the associated information;
and updating the association information under the condition that the user identity information is confirmed to pass verification.
In another or more possible embodiments, after step 440, the payer may further include:
and displaying fourth prompt information for prompting the user to add the target biological characteristic verification information corresponding to the target application program when the condition that the biological characteristic verification information corresponding to the target application program is not stored is detected.
In summary, the payment method, the device, the equipment and the medium of the embodiment of the application determine the target payment account from a plurality of payment accounts corresponding to the target application, such as a plurality of payment accounts corresponding to a plurality of users or a plurality of payment accounts corresponding to each user, by receiving input of the target order paid by the target application, and pay the target order through the target payment account under the condition that target biometric authentication information such as fingerprint authentication information, iris authentication information and voiceprint authentication information corresponding to the target application passes, so that in the same electronic equipment, order payment is performed by the plurality of users by storing the payment accounts of the plurality of users and biometric authentication information corresponding to each application, namely on one electronic equipment, when the account A of the user A logs out, the account B of the user B is switched, the account B can adopt the biometric authentication information of the user B to authenticate the payment order, thereby avoiding the account B from being stolen by other users, and ensuring the security of the payment information of the user B. Meanwhile, the user B can carry out identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in the non-self electronic equipment, and after the identity authentication is passed, the user B carries out payment order by adopting the account B, so that the user B can finish fingerprint, iris or voiceprint payment by the non-self electronic equipment, the payment efficiency is improved, and meanwhile, various payment modes are provided for the user, and the user experience is improved.
Based on the same inventive concept, the application also provides a payment device. This is described in detail with reference to fig. 6.
Fig. 6 is a schematic structural diagram of an embodiment of a payment device provided according to the present application.
In some embodiments of the present application, the payment device 60 shown in fig. 6 may be provided in a payment apparatus or an electronic apparatus as shown in fig. 1-3.
As shown in fig. 6, the payment device 60 may specifically include:
a receiving module 601, configured to receive a first input of a target application program to pay a target order;
a determining module 602, configured to determine, in response to the first input, a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, where the plurality of pre-stored payment accounts includes at least one of: multiple payment accounts of the same user and payment accounts corresponding to each user in the multiple users;
an obtaining module 603, configured to obtain target biometric verification information corresponding to the target application according to the association information of the application and the biometric verification information;
a payment module 604 for paying the target order through the target payment account if the target biometric verification information includes biometric verification information corresponding to the first input.
Therefore, by receiving input of target order payment by the target application program, determining the target payment account from a plurality of payment accounts corresponding to the target application program, such as a plurality of payment accounts corresponding to a plurality of users or a plurality of payment accounts corresponding to each user, and paying the target order by the target payment account under the condition that target biometric characteristic verification information such as fingerprint verification information, iris verification information and voiceprint verification information corresponding to the target application program passes verification, the payment of the target order is realized in the same electronic device by storing the payment accounts of a plurality of users and biometric characteristic verification information corresponding to each application program, so that a plurality of users pay the order by using the same electronic device through biometric characteristic verification information of each user, namely, when the account A of the user A logs out, the account B of the user B is switched, the user B can adopt the biometric characteristic verification information of the user B to carry out identity authentication payment order, thereby avoiding the account B from being stolen and brushed by other users, and ensuring the safety of the payment information of the user B. Meanwhile, the user B can carry out identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in the non-self electronic equipment, and after the identity authentication is passed, the user B carries out payment order by adopting the account B, so that the user B can finish fingerprint, iris or voiceprint payment by the non-self electronic equipment, the payment efficiency is improved, and meanwhile, various payment modes are provided for the user, and the user experience is improved.
The following describes the payment device 60 in detail, as follows:
in one or more possible embodiments, the payment device 60 may further include a determination module, a first display module, and a first association module; wherein,
the receiving module 601 may also be configured to receive a second input of the login application; based on this, a determination module for determining whether biometric authentication information corresponding to the application is stored in response to the second input; the display module is used for displaying first prompt information when the fact that the biometric authentication information corresponding to the application program is not stored is determined, and the first prompt information is used for prompting a user to add the first biometric authentication information; and the first association module is used for associating the application program with the first biological characteristic verification information to obtain association information under the condition that a third input of the first biological characteristic verification information added by the user is received.
In another or more possible embodiments, the payment apparatus 60 may further include a second display module for displaying second prompt information for prompting the user whether to determine the stored biometric authentication information as the first biometric authentication information corresponding to the application program, in case it is determined that the biometric authentication information corresponding to the application program is stored;
And displaying the first prompt information when a fourth input that the user does not determine the stored biometric authentication information as the first biometric authentication information is received.
In yet another or more possible embodiments, the payment device 60 may further include a second association module for associating the application and the first biometric verification information to obtain association information upon receiving a fifth input from the user to determine the stored biometric verification information as the first biometric verification information.
In yet another or more possible embodiments, the determining module 602 may be further configured to determine, when the electronic device includes a payment control, whether the application for the payment target order is a trusted application, the payment control being a built-in application of an operating system in the electronic device;
in the case where the application that pays the target order is determined to be a trusted application, the application that pays the target order is determined to be the target application.
In still another or more possible embodiments, the obtaining module 603 may be specifically configured to, in response to the first input, detect whether the electronic device includes a first target interface, where the first target interface is an interface for exchanging information between a module storing associated information and the payment control;
And under the condition that the electronic equipment comprises the first target interface, acquiring target biological characteristic verification information corresponding to the target application program from a module storing the association information through the first target interface according to the result information of the target application program determined from the payment control program as the trusted application program.
The biometric verification information includes at least one of the following: fingerprint verification information, iris verification information, and voiceprint verification information.
In still another or more possible embodiments, the obtaining module 603 may be specifically configured to obtain, in a case where the biometric authentication information is fingerprint authentication information, at least two different target fingerprint authentication information corresponding to the target application program according to the first association information of the application program and the fingerprint authentication information, where the at least two different target fingerprint authentication information includes fingerprints of fingers or toes of different locations of the user.
Based on this, the payment module 604 may be specifically configured to pay the target order through the target payment account if the at least two different target fingerprint verification information includes first fingerprint information corresponding to the first input.
In still another or more possible embodiments, the payment device 60 may further include a detection module for detecting whether the first identity information of the login electronic device is the same as the second identity information of the login target application;
and under the condition that the first identity information of the login electronic equipment is detected to be the same as the second identity information of the login target application program, paying the target order through the target payment account.
In yet another or more possible embodiments, the payment device 60 may further include a third display module and an update module; wherein,
the third display module is used for displaying third prompt information, and the third prompt information is used for prompting a user to update the associated information; and the updating module is used for updating the associated information under the condition that the user identity information is confirmed to pass verification.
In still another or more possible embodiments, the payment apparatus 60 may further include a fourth display module for displaying fourth prompt information for prompting the user to add the target biometric authentication information corresponding to the target application in case that it is detected that the target biometric authentication information corresponding to the target application is not stored.
In summary, the payment method, the device, the equipment and the medium of the embodiment of the application determine the target payment account from a plurality of payment accounts corresponding to the target application, such as a plurality of payment accounts corresponding to a plurality of users or a plurality of payment accounts corresponding to each user, by receiving input of the target order paid by the target application, and pay the target order through the target payment account under the condition that target biometric authentication information such as fingerprint authentication information, iris authentication information and voiceprint authentication information corresponding to the target application passes, so that in the same electronic equipment, order payment is performed by the plurality of users by storing the payment accounts of the plurality of users and biometric authentication information corresponding to each application, namely on one electronic equipment, when the account A of the user A logs out, the account B of the user B is switched, the account B can adopt the biometric authentication information of the user B to authenticate the payment order, thereby avoiding the account B from being stolen by other users, and ensuring the security of the payment information of the user B. Meanwhile, the user B can carry out identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in the non-self electronic equipment, and after the identity authentication is passed, the user B carries out payment order by adopting the account B, so that the user B can finish fingerprint, iris or voiceprint payment by the non-self electronic equipment, the payment efficiency is improved, and meanwhile, various payment modes are provided for the user, and the user experience is improved.
It should be noted that, the payment device 60 shown in fig. 6 may perform the steps in the payment method embodiments shown in fig. 1 to 5, and implement the processes and effects in the payment method embodiments shown in fig. 1 to 5, which are not described herein.
Based on the same inventive concept, the application also provides a payment device. This is described in detail with reference to fig. 6.
Fig. 7 shows a schematic hardware structure of a payment device according to an embodiment of the present application.
As shown in fig. 7, the payment device may be a server or an electronic device, and the payment device may include a processor 701 and a memory 702 storing computer program instructions.
In particular, the processor 701 described above may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits of embodiments of the present application.
Memory 702 may include mass storage for data or instructions. By way of example, and not limitation, memory 702 may comprise a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the foregoing. The memory 702 may include removable or non-removable (or fixed) media, where appropriate. Memory 702 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 702 is a non-volatile solid state memory. In a particular embodiment, the memory 702 includes Read Only Memory (ROM). The ROM may be mask programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically Erasable PROM (EEPROM), electrically rewritable ROM (EAROM), or flash memory, or a combination of two or more of these, where appropriate.
The processor 701 implements any of the payment methods of the above embodiments by reading and executing computer program instructions stored in the memory 702.
In one example, the payment device may also include a communication interface 703 and a bus 704. As shown in fig. 7, the processor 701, the memory 702, and the communication interface 703 are connected by a bus 704 and perform communication with each other.
The communication interface 703 is mainly used for implementing communication between each module, device, unit and/or apparatus in the embodiments of the present application.
Bus 704 includes hardware, software, or both, coupling components of the flow control device to one another. By way of example, and not limitation, the buses may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a micro channel architecture (MCa) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus, or a combination of two or more of the above. Bus 704 may include one or more buses, where appropriate. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.
The data processing device may perform the payment method in the embodiments of the present application, thereby implementing the payment method and apparatus described in connection with fig. 1 to 6.
In addition, in connection with the payment method in the above embodiments, the embodiments of the present application may be implemented by providing a computer readable storage medium. The computer readable storage medium has stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the payment methods of the above embodiments.
It should be clear that the present application is not limited to the particular arrangements and processes described above and illustrated in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions, or change the order between steps, after appreciating the spirit of the present application.
The functional blocks shown in the above block diagrams may be implemented in hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, a plug-in, a function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine readable medium or transmitted over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be different from the order in the embodiments, or several steps may be performed simultaneously.
In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, which are intended to be included in the scope of the present application.
Claims (14)
1. A payment method, comprising:
receiving a first input of a target application program to pay a target order;
in response to the first input, determining a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, the plurality of pre-stored payment accounts including at least one of: multiple payment accounts of the same user and payment accounts corresponding to each user in the multiple users;
Acquiring target biological characteristic verification information corresponding to a target application program according to the associated information of the application program and the biological characteristic verification information, wherein the associated information is the biological characteristic verification information of different application programs corresponding to a user, and the target biological characteristic verification information corresponding to the target application program is the biological verification information of the user on different application programs;
and in the case that the target biometric verification information includes first biometric verification information corresponding to the first input, paying the target order through the target payment account.
2. The method of claim 1, wherein before the acquiring the target biometric verification information corresponding to the target application according to the association information of the application and the biometric verification information, the method further comprises:
receiving a second input of the login application;
determining, in response to the second input, whether biometric authentication information corresponding to the application is stored;
displaying first prompt information for prompting a user to add first biometric authentication information under the condition that biometric authentication information corresponding to the application program is not stored;
And under the condition that a third input of the first biological characteristic verification information added by the user is received, associating the application program with the first biological characteristic verification information to obtain the association information.
3. The method according to claim 2, wherein the method further comprises:
displaying second prompt information for prompting a user whether to determine the stored biometric authentication information as first biometric authentication information corresponding to the application program when the biometric authentication information corresponding to the application program is determined to be stored;
and displaying the first prompt information under the condition that the fourth input that the stored biological characteristic verification information is not determined as the first biological characteristic verification information by the user is received.
4. A method according to claim 3, characterized in that the method further comprises:
and under the condition that the fifth input of the stored biological characteristic verification information determined by the user as the first biological characteristic verification information is received, the application program is associated with the first biological characteristic verification information, and the association information is obtained.
5. The method of claim 1, wherein, in response to the first input, prior to determining a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, the method further comprises:
When the electronic equipment comprises a payment control, determining whether an application program for paying a target order is a trusted application program or not through the payment control, wherein the payment control is a built-in application program of an operating system in the electronic equipment;
in the case where the application that pays the target order is determined to be a trusted application, the application that pays the target order is determined to be the target application.
6. The method of claim 5, wherein the obtaining the target biometric verification information corresponding to the target application based on the association information of the application and the biometric verification information comprises:
detecting whether the electronic equipment comprises a first target interface, wherein the first target interface is an interface for information exchange between a module for storing the associated information and the payment control;
and under the condition that the electronic equipment comprises a first target interface, according to the result information that the target application program determined from the payment control is a trusted application program, acquiring target biological feature verification information corresponding to the target application program from a module storing the association information through the first target interface.
7. The method of claim 1 or 6, wherein the biometric verification information comprises at least one of: fingerprint verification information, iris verification information, and voiceprint verification information; the obtaining the target biometric verification information corresponding to the target application program according to the association information of the application program and the biometric verification information comprises the following steps:
and under the condition that the biological characteristic verification information is fingerprint verification information, acquiring at least two different target fingerprint verification information corresponding to the target application program according to first association information of the application program and the fingerprint verification information, wherein the at least two different target fingerprint verification information comprise fingerprints of fingers or toes at different positions of a user.
8. The method of claim 7, wherein, in the event that the target biometric verification information includes first biometric verification information corresponding to the first input, paying the target order through the target payment account comprises:
and in the case that the at least two different target fingerprint verification information include first fingerprint information corresponding to the first input, paying the target order through the target payment account.
9. The method of claim 1, wherein before the acquiring the target biometric verification information corresponding to the target application according to the association information of the application and the biometric verification information, the method further comprises:
detecting whether the first identity information of the login electronic equipment is the same as the second identity information of the login target application program;
and under the condition that the first identity information of the login electronic equipment is detected to be the same as the second identity information of the login target application program, paying the target order through the target payment account.
10. The method of claim 1, wherein after the payment of the target order through the target payment account, the method further comprises:
displaying third prompt information, wherein the third prompt information is used for prompting a user to update the associated information;
and updating the association information under the condition that the authentication of the user identity information is confirmed to pass.
11. The method of claim 1, wherein after determining the target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, the method further comprises:
And displaying fourth prompt information when the condition that the target biological characteristic verification information corresponding to the target application program is not stored is detected, wherein the fourth prompt information is used for prompting a user to add the target biological characteristic verification information corresponding to the target application program.
12. A payment device, comprising:
the receiving module is used for receiving a first input of a target order paid by a target application program;
a determining module, configured to determine, in response to the first input, a target payment account corresponding to the first input from a plurality of pre-stored payment accounts corresponding to the target application, where the plurality of pre-stored payment accounts includes at least one of: multiple payment accounts of the same user and payment accounts corresponding to each user in the multiple users;
the device comprises an acquisition module, a storage module and a storage module, wherein the acquisition module is used for acquiring target biological characteristic verification information corresponding to a target application program according to the association information of the application program and the biological characteristic verification information, wherein the association information is the biological characteristic verification information of different application programs corresponding to a user, and the target biological characteristic verification information corresponding to the target application program is the biological verification information of the user on different application programs;
And the payment module is used for paying the target order through the target payment account when the target biometric verification information comprises biometric verification information corresponding to the first input.
13. A payment device, the payment device comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a payment method as claimed in any one of claims 1 to 11.
14. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon computer program instructions, which when executed by a processor, implement a payment method according to any of claims 1-11.
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