CN114997873A

CN114997873A - Payment method, device, equipment and storage medium based on biological characteristic authentication

Info

Publication number: CN114997873A
Application number: CN202110231628.2A
Authority: CN
Inventors: 廖锡光
Original assignee: Tencent Technology Beijing Co Ltd
Current assignee: Tencent Technology Beijing Co Ltd
Priority date: 2021-03-02
Filing date: 2021-03-02
Publication date: 2022-09-02

Abstract

The application provides a payment method, a device, equipment and a computer readable storage medium based on biometric authentication; the method comprises the following steps: presenting a payment page containing payment prompt information, wherein the payment prompt information is used for indicating the biological characteristics of an input user; receiving a biological characteristic input based on a control device, wherein the biological characteristic corresponds to the payment prompt information; and when the user is determined to pass the authentication based on the biological characteristics, calling a payment interface provided by a third-party application, carrying out payment through the third-party application, and presenting a payment success page after the payment is finished. Through the method and the device, the payment efficiency and the payment safety can be improved.

Description

Payment method, device, equipment and storage medium based on biological characteristic authentication

Technical Field

The present application relates to artificial intelligence technology, and in particular, to a payment method, apparatus, device and computer readable storage medium based on biometric authentication.

Background

Artificial Intelligence (AI) is a theory, method, technique and application system that uses a digital computer or a machine controlled by a digital computer to simulate, extend and expand human Intelligence, perceive the environment, acquire knowledge and use the knowledge to obtain the best results. Computer vision technology and voice technology are important technologies for artificial intelligence.

With the development and progress of the intelligent terminal technology, people are more and more accustomed to purchasing video resources such as high-definition videos, games, MVs and education on an intelligent terminal (such as a television terminal) or directly performing television shopping. In a payment scheme of a television terminal in the related art, a two-dimensional code is presented through the television terminal, and then the two-dimensional code is scanned through a mobile phone terminal so as to complete payment on the mobile phone terminal. The payment link of the scheme is long, the threshold is high, the payment loss rate is high, the two-dimensional code for payment has risks of being phished and hijacked, and the payment safety is low.

Disclosure of Invention

The embodiment of the application provides a payment method, a payment device, computer equipment and a computer readable storage medium based on biological characteristic authentication, and the payment efficiency and the payment security can be improved.

The technical scheme of the embodiment of the application is realized as follows:

the embodiment of the application provides a payment method based on biometric authentication, which comprises the following steps:

presenting a payment page containing payment prompt information, wherein the payment prompt information is used for indicating the biological characteristics of an input user;

receiving a biometric feature based on an input with a control device, the biometric feature corresponding to the payment prompt information;

when the user authentication is determined to be passed based on the biological characteristics, a payment interface provided by a third-party application is called, payment is carried out through the third-party application, and

a payment success page is presented after payment is completed.

The embodiment of the application provides a payment device based on biometric authentication, which comprises:

the system comprises a presentation module, a payment module and a payment module, wherein the presentation module is used for presenting a payment page containing payment prompt information, and the payment prompt information is used for indicating the input of the biological characteristics of a user;

the receiving module is used for receiving biological characteristics input based on the control equipment, and the biological characteristics correspond to the payment prompt information;

a payment module for calling a payment interface provided by a third party application when the user passes the authentication determined based on the biological characteristics, and making payment through the third party application

A payment success page is presented after payment is completed.

In the above scheme, the payment module is further configured to obtain device information of the current device and a password used for encrypting the device information;

generating an encrypted bill based on the device information and the corresponding password;

sending the encrypted bill, wherein the encrypted bill is used for verifying the validity of the current equipment by the server;

receiving a validity verification result which is returned by the server and aims at the current equipment;

and when the legality verification result represents that the current equipment is legal equipment and the user is determined to pass the authentication based on the biological characteristics, calling a payment interface provided by a third-party application.

In the above scheme, the payment module is further configured to establish an association relationship between a user account of a third-party application for payment and the current device;

acquiring a user account of a third-party application associated with the current equipment;

and paying through the acquired user account of the third-party application.

In the above solution, the payment module is further configured to receive a target biometric characteristic of the user input based on the control device;

establishing an incidence relation between the target biological characteristics and the equipment information of the current equipment;

searching a target biological characteristic associated with the equipment information, and matching the biological characteristic with the target biological characteristic;

determining that the user is authenticated when it is determined that the biometric characteristic matches the target biometric characteristic.

In the foregoing solution, the receiving module is further configured to receive the voice information input based on the voice function button of the control device when the payment prompt information indicates to input the voice information, and the receiving module is further configured to receive the voice information input based on the voice function button of the control device

Taking the voice information as a biological characteristic corresponding to the payment prompt information;

the payment module is also used for extracting voiceprint features in the voice information;

matching the voiceprint features with stored target voiceprint features;

and when the voiceprint characteristics are matched with the stored target voiceprint characteristics, determining that the user is authenticated.

In the foregoing solution, the receiving module is further configured to receive the voice information input based on the voice function button of the control device when the payment prompt information indicates that the voice information corresponding to the target text is input, and receive the voice information input based on the voice function button of the control device

the payment module is also used for carrying out voice recognition on the voice information to obtain a text corresponding to the voice information, and

extracting voiceprint information in the voice information;

matching the text obtained by voice recognition with the target text, and matching the voiceprint information with the stored target voiceprint characteristics;

and when the text obtained by voice recognition is matched with the target text and the voiceprint characteristics are matched with the stored target voiceprint characteristics, determining that the user passes the authentication.

In the above scheme, the receiving module is further configured to receive fingerprint information input through touch operation in a touch area of the control device when the payment prompt information indicates that the fingerprint information is input;

extracting fingerprint features of the fingerprint information to obtain the fingerprint features of the user, and

and taking the fingerprint characteristics as biological characteristics corresponding to the payment prompt information.

In the above scheme, the receiving module is further configured to receive a camera opening instruction triggered by a camera function button based on the control device when the payment prompt information indicates that image information is input;

acquiring an image containing eyes of a user through a camera;

extracting iris features of the image to obtain iris features of the user, and

and taking the iris characteristics as biological characteristics corresponding to the payment prompt information.

In the above scheme, the receiving module is further configured to present a type selection interface for selecting a biometric type;

receiving a selection operation based on the biological feature type triggered by the control equipment, and taking the biological feature type corresponding to the selection operation as a target biological feature type for authentication;

a biometric based on the target biometric type input by the control device is received.

In the above scheme, the payment module is further configured to obtain a user account logged in by the current application when the user account logged in by the current application is associated with the third-party application;

and logging in the third-party application through the user account logged in by the current application and carrying out payment.

In the above scheme, the payment module is further configured to run the third-party application and obtain a user account currently logged in by the third-party application;

and paying through the currently logged-in user account.

In the above scheme, the payment module is further configured to obtain at least two target biometrics;

storing each target biological characteristic and a corresponding user account of a third-party application in a correlated manner;

acquiring a target biological characteristic matched with the biological characteristic;

acquiring a user account of the third-party application corresponding to the biological characteristics according to the incidence relation between the target biological characteristics and the user account of the third-party application;

and paying through the acquired user account.

An embodiment of the present application provides a computer device, including:

a memory for storing executable instructions;

and the processor is used for realizing the payment method based on the biological characteristic authentication provided by the embodiment of the application when the executable instructions stored in the memory are executed.

Embodiments of the present application provide a computer-readable storage medium storing executable instructions for causing a processor to implement a payment method based on biometric authentication provided in embodiments of the present application.

The embodiment of the application has the following beneficial effects:

by applying the embodiment of the application, a payment page containing payment prompt information is presented through a terminal, and the payment prompt information is used for indicating the input of the biological characteristics of a user; receiving a biological characteristic input by a control device, wherein the biological characteristic corresponds to the payment prompt information; when the user authentication is determined to be passed based on the biological characteristics, the terminal calls a payment interface provided by a third-party application, payment is carried out through a user account of the third-party application, and a payment success page is presented after the payment is finished; therefore, when a user needs to pay, the payment process can be directly completed based on the terminal, the control device only performs the acquisition and sending of the biological characteristics, other electronic devices are not needed in the payment process, the process is simple, and the payment success rate can be improved; moreover, compared with a payment mode of scanning the two-dimensional code, information leakage is avoided, and payment safety is improved.

Drawings

FIG. 1 is a schematic diagram of a payment flow provided by the related art;

fig. 2 is a schematic diagram of an alternative architecture of a payment system 100 based on biometric authentication according to an embodiment of the present application;

fig. 3 is a schematic flowchart of a payment method based on biometric authentication according to an embodiment of the present application;

FIG. 4A is a schematic diagram of a payment page provided by an embodiment of the present application;

FIG. 4B is a schematic diagram of a payment page provided by an embodiment of the present application;

fig. 5 is a schematic diagram of a touch area of a control device according to an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of a target biometric type selection process provided in an embodiment of the present application;

fig. 7 is a schematic flowchart of a payment method for biometric authentication provided in an embodiment of the present application;

fig. 8 is a schematic diagram of a device registration process provided in an embodiment of the present application;

FIG. 9 is a schematic diagram of a first payment process provided by an embodiment of the application;

FIG. 10 is a schematic diagram of a payment process based on voiceprint feature authentication according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of a payment apparatus based on biometric authentication according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of a computer device provided in an embodiment of the present application.

Detailed Description

In order to make the objectives, technical solutions and advantages of the present application clearer, the present application will be described in further detail with reference to the attached drawings, the described embodiments should not be considered as limiting the present application, and all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

In the following description, reference is made to "some embodiments" which describe a subset of all possible embodiments, but it is understood that "some embodiments" may be the same subset or different subsets of all possible embodiments, and may be combined with each other without conflict.

In the following description, references to the terms "first \ second \ third" are only to distinguish similar objects and do not denote a particular order, but rather the terms "first \ second \ third" are used to interchange specific orders or sequences, where appropriate, so as to enable the embodiments of the application described herein to be practiced in other than the order shown or described herein.

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. The terminology used herein is for the purpose of describing embodiments of the present application only and is not intended to be limiting of the application.

Before further detailed description of the embodiments of the present application, terms and expressions referred to in the embodiments of the present application will be described, and the terms and expressions referred to in the embodiments of the present application will be used for the following explanation.

1) In response to the condition or state on which the performed operation depends, one or more of the performed operations may be in real-time or may have a set delay when the dependent condition or state is satisfied; there is no restriction on the order of execution of the operations performed unless otherwise specified.

Fig. 1 is a schematic view of a payment process provided in the related art, referring to fig. 1, in the related art, a television terminal and a mobile terminal (e.g., a mobile phone terminal) need to be combined to complete payment, that is, when a user needs to perform payment, such as opening a member and purchasing a video, the television terminal presents a two-dimensional code for payment, and then the user scans the two-dimensional code through a third-party application (e.g., a payment application) on the mobile terminal using the mobile terminal to obtain payment order information, thereby completing payment for the payment order information.

The applicant finds that in each payment process, the code scanning and payment are carried out through the mobile terminal, and the whole payment link is long and the threshold is high, so that the payment loss rate is high; moreover, the payment two-dimensional code of the user is risked to be phished and hijacked, for example, the two-dimensional code may include login information of the user, the user account may be obtained through the two-dimensional code, and then virtual money, such as diamonds and coins, on the user account may be consumed.

Based on this, embodiments of the present application provide a payment method, apparatus, device and computer-readable storage medium based on biometric authentication, which can improve payment efficiency and payment security.

Referring to fig. 2, fig. 2 is an alternative architecture diagram of the payment system 100 based on biometric authentication according to the embodiment of the present application, in order to support an exemplary application, a control device (such as the control device 200-1 or the control device 200-2) implements data transmission by establishing a communication connection with a terminal 400, for example, when the terminal 400 is a television terminal, a communication connection with the television terminal is established through a radio frequency module included in the television terminal, so as to implement data transmission through wireless communication; the terminals are connected to the server 300 via a network, which may be a wide area network or a local area network, or a combination thereof.

In practical application, the terminal may be a television terminal, such as an internet television all-in-one machine, a set-top box + a television, a projector, or the like, or may be a notebook computer, a desktop computer, an intelligent vehicle-mounted terminal, or the like, and embodiments of the present application are not limited. The control device includes but is not limited to a keyboard, a remote controller, a mobile phone terminal or other handheld terminal. The terminal 400 may be provided with a client, such as a video playing client, through which a user may purchase a video resource.

A terminal 400 that presents a payment page containing payment hint information for indicating to input a biometric characteristic of a user;

a control device (e.g., control device 200-1) that receives the input biometric characteristic corresponding to the payment prompt information and transmits the biometric characteristic to the terminal 400;

the terminal 400 sends an authentication request carrying the biological characteristics to the server 300;

the server 300 authenticates the user based on the biological characteristics to obtain an authentication result, and returns the authentication result to the terminal 400;

and when the authentication result is that the user passes the authentication, the terminal 400 calls a payment interface provided by the third-party application, performs payment through the third-party application, and presents a payment success page after the payment is completed.

In some embodiments, the server 300 may be an independent physical server, may also be a server cluster or a distributed system formed by a plurality of physical servers, and may also be a cloud server providing basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a Network service, cloud communication, a middleware service, a domain name service, a security service, a Content Delivery Network (CDN), a big data and artificial intelligence platform, and the like.

Based on the above description of the biometric authentication-based payment system provided in the embodiment of the present application, the following describes a biometric authentication-based payment method provided in the embodiment of the present invention. Referring to fig. 3, fig. 3 is a schematic flowchart of a payment method based on biometric authentication according to an embodiment of the present application; in some embodiments, the payment method based on biometric authentication may be implemented by a terminal alone, or implemented by a terminal and a server in cooperation, taking the terminal as an example, the payment method based on biometric authentication provided in the embodiments of the present application includes:

step 301: the terminal presents a payment page containing payment prompt information.

Here, the payment prompt information is used to prompt the input of the biometric characteristic of the user. The payment prompt information can be presented in a text form, an image form or a voice form, and the biological characteristics refer to inherent physiological characteristics (such as fingerprints, voiceprints, irises, faces and the like) or behavior characteristics (such as gait) of the human body.

In actual implementation, a client is arranged on the terminal, such as a video client, a music client and the like, a user can purchase video or audio resources through the client, or directly perform television shopping, when the user triggers a purchase instruction, the terminal presents a corresponding payment page, and presents payment prompt information in the payment page so as to prompt the user to input the biological characteristics of the user for payment. The payment prompt information can be presented in the payment page through the floating window, and can also be presented in the payment page through a covering layer with preset transparency.

In practical applications, the purchase instruction may be triggered by a control device, where the control device is an auxiliary device for controlling the terminal to perform video playing, for example, when the terminal is a television terminal, the control device may be a remote control device (such as a remote controller, a mobile phone terminal, or another handheld terminal), the terminal presents a page including a purchase function item (such as a member activation button), the user may trigger the purchase function item through the remote control device, the television terminal receives a trigger operation for the purchase function item, presents a corresponding payment page, and presents payment prompt information in the payment page; when the terminal is a desktop computer, the control device may be a keyboard, a mouse, or the like of the desktop computer, for example, a user may trigger a key on the keyboard for triggering a purchase instruction to trigger the purchase instruction, and then the keyboard sends the object identification instruction to the desktop computer, and the desktop computer receives the identification instruction, presents a corresponding payment page, and presents payment prompt information in the payment page.

Step 302: the terminal receives a biometric input based on the control device.

Here, the biometric feature corresponds to the payment advice information.

In actual implementation, the input of the biological characteristics is realized through the control equipment, for example, the input biological characteristics can be received through the control equipment, and then the received biological characteristics are sent to the terminal through the control equipment; alternatively, the biometric receiving function of the terminal may be triggered by the control device, and then the biometric of the user is acquired by the terminal. That is, the control device is used for the acquisition and transmission of the biometric features, so that the terminal receives the acquired biometric features.

Here, the input biometric features may be one or more, that is, a biometric feature may be input, the biometric feature may be verified, and when the biometric feature is verified, the authentication may be considered to be passed; multiple biological characteristics can be input, namely, multiple biological characteristics are combined for authentication, and the authentication is considered to be passed only if the multiple characteristics are verified.

In some embodiments, the terminal may receive the biometric characteristic corresponding to the payment prompt information input based on the control device by: when the payment prompt information indicates that voice information is input, receiving the voice information input by a voice function button based on the control equipment, and taking the voice information as a biological characteristic corresponding to the payment prompt information; the terminal can also extract the voiceprint characteristics in the voice information before calling a payment interface provided by the third-party application and carrying out payment through the third-party application; matching the voiceprint features with stored target voiceprint features; and when the voiceprint characteristics are matched with the stored target voiceprint characteristics, determining that the user authentication is passed.

In actual implementation, when the payment prompt message indicates to input the voice message, the user can trigger the voice function button of the control device to start the voice acquisition function of the control device, so that the control device can receive the voice message input by the user; and after receiving the voice information, the control equipment sends the voice information to the terminal, and the terminal receives the voice information and takes the voice information as the biological characteristics.

Here, when transmitting voice information, the control device may modulate the voice information to obtain a modulated signal, transmit the modulated signal to the terminal, and demodulate the modulated signal by the terminal to obtain the voice information.

In some embodiments, after acquiring the voice information, the terminal may extract the voiceprint features in the voice information by: firstly, preprocessing voice information, namely extracting effective audio information in the voice information through voice activity detection; cutting the extracted audio information into a plurality of frame data; then, voice feature processing is performed, that is, the discrete periodic signal in the time domain is converted into the discrete signal in the frequency domain, for example, the discrete periodic signal in the time domain can be converted into the discrete signal in the frequency domain through fast fourier transform, then, the signal in the frequency domain is filtered and dimensionality reduced, for example, mel filtering can be adopted, and finally, a signal feature value is extracted to obtain a voiceprint feature of the user, for example, the signal feature value is extracted through discrete cosine transform.

In some embodiments, after obtaining the voiceprint feature, the terminal may match the voiceprint feature with the stored target voiceprint feature by: and calculating the similarity between the voiceprint features and the stored target voiceprint features, such as cosine similarity, when the similarity reaches a similarity threshold, determining that the voiceprint features are matched with the stored target voiceprint features, and otherwise, considering that the voiceprint features are not matched with the stored target voiceprint features.

The target voiceprint feature is pre-input and stored locally or in the server.

It should be noted that, when performing authentication, only the voiceprint feature in the voice information needs to be extracted, and the content spoken by the user does not need to be identified and matched, where the voice information may be any voice information, that is, the user may speak a sentence at will, and the content spoken by the user is collected by the control device to obtain the voice information; therefore, the input difficulty of the voice information can be reduced, and the authentication efficiency is improved.

In some embodiments, receiving the biometric corresponding to the payment advice information based on the control device input: when the payment prompt information indicates that voice information corresponding to the target text is input, receiving the voice information input by a voice function button based on the control equipment, and taking the voice information as a biological characteristic corresponding to the payment prompt information; the terminal can also perform voice recognition on the voice information before calling a payment interface provided by the third-party application and performing payment through the third-party application to obtain a text corresponding to the voice information and extract voiceprint information in the voice information; matching the text obtained by voice recognition with the target text, and matching the voiceprint information with the stored target voiceprint characteristics; and when the text obtained by voice recognition is matched with the target text and the voiceprint characteristics are matched with the stored target voiceprint characteristics, determining that the user authentication is passed.

The target text may be preset, and the user is prompted to input voice information corresponding to the preset target text through the payment prompt information, fig. 4A is a schematic view of a payment page provided in the embodiment of the present application, and referring to fig. 4A, the payment prompt information 401 is presented in the payment page through a floating window to instruct the user to input the voice information of the previous device; alternatively, the target text may be randomly generated and then presented by the terminal, and the user is prompted to input the voice information corresponding to the presented target text through the payment prompt information, fig. 4B is a schematic view of a payment page provided in the embodiment of the present application, and referring to fig. 4B, the payment prompt information 402 is presented in the payment page through a floating window to instruct the user to input the randomly generated voice information "fast payment".

In actual implementation, the voice information corresponding to the target text can be input through the payment prompt information indication, that is, the user needs to speak the content of the target text, and the content spoken by the user is collected through the control equipment to obtain the voice information; after the control device sends the voice information to the terminal, the terminal not only needs to extract voiceprint information from the voice information, but also needs to identify a text corresponding to the voice information, then when authentication is carried out based on the voice information, voiceprint characteristics and voice content need to be verified simultaneously, the voiceprint information extracted from the voice information is matched with target voiceprint information, meanwhile, the text obtained by voice recognition is matched with the target text, and only if the two are successfully matched, the user authentication is determined to pass.

Matching a text obtained by voice recognition with a target text, and matching voiceprint information with stored target voiceprint characteristics; when the text obtained by voice recognition is matched with the target text and the voiceprint characteristics are matched with the stored target voiceprint characteristics, determining that the user authentication is passed; therefore, authentication is prevented from being performed by using the pre-recorded sound recording file, and payment safety is improved.

In some embodiments, the biometric corresponding to the payment prompt information input based on the control device may be received by: when the payment prompt information indicates that the fingerprint information is input, receiving the fingerprint information input through touch operation in a touch area of the control equipment; and fingerprint feature extraction is carried out on the fingerprint information to obtain the fingerprint feature of the user, and the fingerprint feature is used as the biological feature corresponding to the payment prompt information.

In actual implementation, the biometric feature may be a fingerprint feature, the control device is provided with a touch area capable of receiving fingerprint information, see fig. 5, and fig. 5 is a schematic diagram of the touch area of the control device provided in the embodiment of the present application, a user may input the fingerprint information by touching the touch area, and the control device sends the fingerprint information to the terminal after acquiring the fingerprint information.

The fingerprint information may be in an image form, and after the terminal acquires the fingerprint image, the fingerprint image is preprocessed, including fingerprint segmentation, fingerprint enhancement, binarization, and thinning, and then fingerprint feature extraction is performed, where the feature may be extracted from a grayscale image or a thinned binary image.

In practical application, after the fingerprint features are acquired, the acquired fingerprint features are matched with the stored target fingerprint features, and when the fingerprint features are matched with the stored target fingerprint features, the user authentication is determined to be passed.

In some embodiments, the terminal may receive the biometric characteristic corresponding to the payment prompt information input based on the control device by: when the payment prompt information indicates that image information is input, a camera opening instruction triggered by a camera function button based on the control equipment is received; acquiring an image containing eyes of a user through a camera; and extracting iris features of the image to obtain the iris features of the user, and taking the iris features as biological features corresponding to the payment prompt information.

Here, the biometric feature may be an iris feature, which refers to a feature of an iris in a human eye, and thus it is necessary to acquire an image including the user's eye. In practical implementation, when the terminal is provided with the camera, the camera of the terminal is used for collecting an image containing eyes of a user, then the iris is positioned, the positions of an inner circle, an outer circle and a quadratic curve in the image are determined, then the size of the iris in the image is adjusted to a fixed size set by a recognition system, and the normalized image is subjected to processing such as brightness, contrast, smoothness and the like; and finally, extracting characteristic points required by iris recognition from the image, and coding the characteristic points to obtain the iris characteristics of the user.

In some embodiments, when the control device is provided with a camera, an image containing the eyes of the user may be captured by the control device; and then, sending the acquired image to a terminal, and extracting iris features of the terminal image to obtain the iris features of the user.

In practical application, after the iris features are obtained, the obtained iris features are matched with the stored target iris features, and when the iris features are matched with the stored target iris features, the user authentication is determined to be passed.

In some embodiments, before receiving the biometric features corresponding to the payment prompt information input based on the control device, the terminal may further present a type selection interface for selecting a biometric type; receiving a selection operation of the biological characteristic type triggered by the control equipment, and taking the biological characteristic type corresponding to the selection operation as a target biological characteristic type for authentication; the terminal can receive the biological characteristics corresponding to the payment prompt information and input based on the control device in the following modes: a biometric based on the target biometric type input by the control device is received.

Here, a plurality of selectable biometric types may be set, and the user may effect payment through one or more of the plurality of biometric types. In practical implementation, the terminal may present a type selection interface, and present a plurality of options of biometric types and selection boxes in the type selection interface, where the selection boxes may be presented at options of any biometric type; the user can select the biological feature type based on the selection frame through the control equipment, after the control equipment receives a selection instruction based on the selection frame triggered by the user, the control equipment sends a modulation signal carrying selection indication information to the terminal, and after the terminal receives the modulation signal, the terminal demodulates the modulation signal to obtain the selection indication information, so that the selection frame is controlled to move among the selection items of the plurality of biological feature types based on the selection indication information, and the user can conveniently select the biological feature type; when the mobile terminal moves to a selection item of a biological feature type which a user wants to select, the control equipment triggers a determination operation and sends a system signal carrying confirmation selection indication information to the terminal; and after receiving the modulation signal, the terminal demodulates the modulation signal to obtain confirmation selection indication information, and accordingly the biological characteristics selected by the selection frame are used as the target biological characteristic type selected by the user based on the confirmation selection indication information.

After the user selects the target biometric type, the biometric of the target biometric type selected by the user needs to be input, and here, the biometric acquisition function of the target biometric type can be automatically started to receive the biometric of the target biometric type input by the user.

For example, fig. 6 is a schematic diagram of a target biometric type selection process provided by an embodiment of the present application, and referring to fig. 6, a type selection interface is presented, and a plurality of biometric type options including a fingerprint, a voiceprint, and an iris are presented in the type selection interface, and a selection box is presented at the fingerprint option; the control equipment sends a modulation signal carrying the selection indication information to the terminal, the terminal demodulates the modulation signal to obtain the selection indication information, and controls the selection frame to move from the option of the fingerprint to the option of the voiceprint based on the selection indication information; if the control equipment sends a modulation signal carrying confirmation selection indication information to the terminal, the terminal demodulates the modulation signal to obtain the confirmation selection indication information, and takes the voiceprint selected by the selection frame as the target biological characteristic type based on the confirmation selection indication information; at this time, the voice acquisition function is automatically started to acquire the voice information of the user.

Step 303: and when the terminal determines that the user passes the authentication based on the biological characteristics, calling a payment interface provided by the third-party application, carrying out payment through the third-party application, and presenting a payment success page after the payment is completed.

The payment interface is a payment interface provided by the third-party application for the terminal, so that the terminal can call the payment interface to realize payment through the third-party application.

Here, the third-party application is an application for payment, and here, the terminal passes authentication of the user, calls the third-party application, sends a payment request to a server of the third-party application to perform payment through the third-party application, and presents a payment success page after payment is completed to prompt the user of a payment result.

In some embodiments, a payment interface provided by the third-party application is called, and before payment is performed through a user account of the third-party application, the terminal can also obtain equipment information of current equipment and a password used for encrypting the equipment information; generating an encrypted bill based on the device information and the corresponding password; sending an encrypted bill for the server to verify the validity of the current equipment; receiving a validity verification result which is returned by the server and aims at the current equipment; the terminal may invoke the payment interface provided by the third party application by: when the user is determined to be authenticated based on the biometric, invoking a payment interface provided by the third-party application: and when the legality verification result represents that the current equipment is legal equipment and the user is determined to pass the authentication based on the biological characteristics, calling a payment interface provided by the third-party application.

Here, the current device refers to a currently used terminal, and correspondingly, the corresponding device information may be a device account identifier of the terminal, and when the terminal is actually implemented, the terminal may be verified, that is, only when the terminal is a legal device and the user is determined to pass the authentication based on the biometric features, a payment interface provided by a third-party application is invoked, so as to further improve the security of payment; for example, when the terminal is a television terminal, the television terminal acquires the device account id and the password of the television terminal to generate an encrypted ticket and send the encrypted ticket to the server, so that the server can verify the validity of the television terminal.

In actual implementation, the terminal and the server both store the equipment information of the current equipment and the password for encrypting the equipment information, and the terminal can use a symmetric encryption algorithm to perform symmetric encryption, namely, the password is used as an encryption key, and the equipment information is used as encryption content to generate an encryption bill; and then sending the encrypted bill to a server, decrypting the encrypted bill by using the stored password by using the server, if the decryption is successful and the device information obtained by decryption is the device information of the current device, indicating that the current device is a legal device, otherwise, indicating that the current device is an illegal device.

Here, the encrypted content may further include a timestamp, that is, a valid time is set, so that when the current device is verified, only if the decryption is successful, the decrypted device information is consistent with the device information of the current device, and the timestamp is within the valid time (for example, 30 seconds), it is determined that the current device is a valid device.

In some embodiments, a payment interface provided by the third-party application is called, and before payment is performed through a user account of the third-party application, the terminal can also establish an association relationship between the user account of the third-party application used for payment and the current device; making a payment through a third party application, comprising: acquiring a user account of a third-party application associated with the current equipment; and paying through the acquired user account of the third-party application.

In actual implementation, an association relationship between a user account of a third-party application for payment and current equipment can be established in a manual input mode, for example, a user account binding instruction is triggered, a terminal presents a user account binding page, and a user account is input based on the user account binding page so as to associate the input user account with equipment information of the current equipment; the association relationship between the user account and the current device can also be automatically established, for example, in the process of first payment, the terminal presents a payment page, and displays a two-dimensional code for payment in the payment page, wherein the two-dimensional code comprises payment order information and device information of the terminal; the user uses a mobile terminal (such as a mobile phone) to scan the two-dimensional code through a third-party application (such as a payment application) in the mobile terminal so as to complete payment; when the payment is successful, the mobile terminal sends the user account of the third-party application for payment and the obtained equipment information to the terminal or the server; and the terminal or the server stores the user account of the third-party application of the user and the equipment information in an associated manner.

If the user account and the equipment information of the third-party application are stored in the terminal, directly acquiring the user account of the third-party application from the local place, and carrying out payment through the acquired user account of the third-party application; if the user account and the equipment information of the third-party application are stored in the server, sending an account acquisition request carrying the equipment information of the current equipment to the server so as to acquire the user account of the third-party application associated with the current equipment from the server, and carrying out payment through the acquired user account of the third-party application.

In some embodiments, a payment interface provided by the third-party application is called, and before payment is performed through a user account of the third-party application, the terminal may further receive a target biological characteristic of the user input based on the control device; establishing an incidence relation between the target biological characteristics and the equipment information of the current equipment; after receiving the biological characteristics corresponding to the payment prompt information input based on the control device, the method further comprises the following steps: searching a target biological characteristic associated with the equipment information, and matching the biological characteristic with the target biological characteristic; when it is determined that the biometric matches the target biometric, it is determined that the user is authenticated.

In actual implementation, a user can input a target biological characteristic in advance and establish an association relationship between the target biological characteristic and equipment information, for example, the user triggers a biological characteristic binding operation at a terminal, and the terminal presents a biological characteristic management page to realize the binding of the biological characteristic; at the moment, the user acquires the biological characteristics of the user through the control equipment, and the control equipment sends the acquired biological characteristics to the terminal; the terminal transmits the biological characteristics and the equipment information to the server; and the server stores the extracted biological characteristics and the equipment information in an associated manner. When the user is authenticated, the received biological characteristics and the equipment information are sent to a server, the server obtains target biological characteristics corresponding to the equipment information, and the biological characteristics are matched with the target biological characteristics; and when the biological characteristics are determined to be matched with the target biological characteristics, determining that the user is authenticated.

Here, by searching for the target biometric associated with the device information, it is limited that the biometric can only be used by the current device, for example, the target biometric input by the user through the terminal a, and only when the user pays on the terminal a, the corresponding biometric can be used for payment, but the payment cannot be realized on other terminals, so that the payment security is improved.

In some embodiments, the terminal may make the payment through the third party application by: when the user account logged in by the current application is associated with the third-party application, acquiring the user account logged in by the current application; and logging in the third-party application through the user account logged in by the current application to carry out payment.

In actual implementation, when the user account logged in by the current application is associated with the third-party application, if the user account logged in by the current application is the user account logged in by the third-party application, the user account logged in by the current application is the same as the user account of the third-party application, the user account logged in by the current application can be directly obtained, and then the third-party application is logged in through the user account logged in by the current application, so that payment is performed through the user account logged in by the current application.

In some embodiments, the terminal may make the payment through the third party application by: running the third-party application and acquiring a user account currently logged in by the third-party application; and paying through the currently logged-in user account.

In actual implementation, the payment can be directly performed through the currently logged user account of the third-party application, that is, before the payment is performed through the third-party application, the user logs in the third-party application through the user account of the third-party application, and then the payment can be directly performed based on the currently logged user account when the third-party application is operated.

In some embodiments, the terminal may further obtain at least two target biometrics before presenting the payment page containing the payment prompt information; storing each target biological characteristic and a corresponding user account of a third-party application in a correlated manner; making a payment through a third party application, comprising: acquiring a target biological characteristic matched with the biological characteristic; acquiring a user account of the third-party application corresponding to the biological characteristics according to the association relationship between the target biological characteristics and the user account of the third-party application; and paying through the acquired user account.

In actual implementation, a plurality of target biological characteristics may be obtained in advance, for example, in a home application scenario, the target biological characteristics of all family members are obtained, and each target biological characteristic is stored in association with a corresponding user account of a third-party application.

In some embodiments, a user account of a third-party application may be associated with target biometrics of multiple users, for example, in a home application scenario, all family members may use the same user account to make payment, then, multiple target biometrics and one user account may be stored in advance, then, when making payment through the third application, it is directly verified whether the received biometrics matches the stored target biometrics, and if the matching target biometrics is stored, then, payment is directly made using the stored user account.

By applying the embodiment of the application, the payment page containing the payment prompt information is presented through the terminal, and the payment prompt information is used for indicating the biological characteristics of the input user; receiving a biological characteristic input based on the control device, wherein the biological characteristic corresponds to the payment prompt information; when the user passes the authentication based on the biological characteristics, calling a payment interface provided by the third-party application, carrying out payment through a user account of the third-party application, and presenting a payment success page after the payment is completed; therefore, the payment process can be directly completed based on the terminal, the process is simple, and the payment success rate can be improved; moreover, compared with a payment mode of scanning the two-dimensional code, information leakage is avoided, and payment safety is improved.

The following is a description of the biometric authentication payment method provided in the embodiments of the present application. Taking a terminal as a television terminal as an example, the biometric authentication payment method provided in the embodiment of the present application may be cooperatively implemented by a control device, the television terminal, and a server, where a biometric is taken as an example, refer to fig. 7, where fig. 7 is a schematic flow diagram of the biometric authentication payment method provided in the embodiment of the present application, and the biometric authentication payment method provided in the embodiment of the present application includes:

step 701: and the control equipment sends the iris characteristic binding instruction to the television terminal.

Step 702: the television terminal presents a management page containing the binding prompt information and acquires images containing eyes of the user through the camera.

Here, the binding prompt information is used to instruct the user to input an image containing the user's eyes.

Step 703: and sending the equipment information of the television terminal and the target image containing the eyes of the user to a server.

Step 704: the server extracts iris features of the target image to obtain target iris features, and stores the target iris features and the equipment information in an associated mode.

Step 705: and the control equipment sends a payment instruction to the television terminal.

Step 706: and the television terminal presents a payment page containing payment prompt information.

Here, the payment prompting information is used to instruct the user to input an image containing the eyes of the user, and may not carry any payment information (such as a payment order).

Step 707: and receiving a camera opening instruction triggered by a camera shooting function button based on the control equipment.

Step 708: an image containing the eyes of the user is acquired by the camera.

Step 709: and sending the equipment information of the television terminal and the image containing the eyes of the user to a server.

Step 710: and the server extracts the iris features of the image to obtain the iris features of the user.

Step 711: based on the device information, target iris features associated with the device information are obtained and matched with the iris features.

Step 712: and when the iris features are matched with the target iris features, determining that the user passes the authentication, and sending the authentication result to the television terminal.

Step 713: and the television terminal runs the third-party application and passes and acquires the user account currently logged in by the third-party application.

Step 714: and paying through the currently logged-in user account.

By applying the embodiment of the application, the payment process can be directly completed based on the television terminal without other terminals, the process is simple, and the payment success rate can be improved; moreover, compared with a payment mode of scanning the two-dimensional code, information leakage is avoided, and payment safety is improved.

In the following, an exemplary application of the embodiments of the present application in a practical application scenario will be described. The payment method based on the biometric authentication is applied to the scene of a living room, and comprises payment behaviors such as member opening, single-chip purchase and the like through an intelligent television, a box, a projector and the like.

In actual implementation, equipment registration is carried out when a client is started for the first time; when the payment is carried out for the first time, user registration is carried out, wherein the user registration comprises voiceprint registration and account binding; and in subsequent payment, authentication is performed based on the device information and the voiceprint information, which is specifically described below.

Fig. 8 is a schematic diagram of a device registration process provided in an embodiment of the present application, and referring to fig. 8, when a current device starts a client for the first time, a device registration request is sent to a server through the client; the server allocates a device information guid (such as device account id) and a password secret for encrypting the device information to the current device.

In actual implementation, when a client is started for the first time, whether a guid is stored is searched locally, and if not, a device registration request is sent to a server; the server receives the request, generates a new guid through an account system as the guid of the current equipment, and randomly allocates a secret; then storing the guid and secret into a database, and returning the guid and secret to the client; and after the client acquires the guid and the secret, storing the guid and the secret in the local.

Here, the guid may be generated in a manner of increasing integer values or in a manner of 32-bit random codes, as long as it is ensured that the guid generated each time is unique.

After the television terminal is registered, in order to realize payment based on voiceprint feature authentication, the television terminal needs to be bound with a user account and voiceprint features. In some embodiments, the binding of the user account may be performed manually by the user, for example, before payment is made through the television terminal, the user establishes a binding relationship between the user account and the voiceprint feature input by the user and the television terminal by setting a function item;

in some embodiments, the binding relationship may also be automatically bound in a process of first payment through a television terminal, fig. 9 is a schematic diagram of a first payment process provided in an embodiment of the present application, and referring to fig. 9, in the process of first payment, two parts including binding a user account and binding a voiceprint feature are included, which are described below respectively.

As shown in 901 in fig. 9, when payment is performed through a television terminal for the first time, payment may be performed in a code scanning manner, a user triggers a purchase button (e.g., a button such as a member opening button or a single-chip purchase button) presented by the television terminal on the television terminal (e.g., a smart television), the television terminal receives a payment instruction, presents a payment page, and presents a two-dimensional code for payment in the payment page, where the two-dimensional code includes payment order information and device information of the television terminal; the user uses a mobile terminal (such as a mobile phone) to scan the two-dimensional code through a third-party application (such as a payment application) in the mobile terminal so as to complete payment; when the payment is successful, the television terminal presents a prompt of successful payment; the mobile terminal sends a user account of the third-party application for payment and the acquired equipment information (such as equipment ID) of the television terminal to a server; and the server stores the user account of the third-party application of the user and the equipment information in an associated manner.

As shown in 902 in fig. 9, a user triggers a voiceprint binding operation at a television terminal, the television terminal presents a voiceprint management page, and presents a target text at the voiceprint management page, where the target text is a text that needs to be pronounced by the user; the user recites the text, voice information of the user is collected through the control device, and the control device sends the collected voice information to the television terminal; the television terminal transmits the voice information and the equipment information to the server; the server extracts the voice information according to the voiceprint characteristics, stores the extracted voiceprint characteristics in the database, generates an ID corresponding to the voiceprint characteristics, and associates the equipment information (such as the equipment ID) of the television terminal with the ID of the voiceprint characteristics.

In practical implementation, the voiceprint feature extraction can be performed in the following manner: firstly, preprocessing voice information, namely extracting effective audio information in the voice information through voice activity detection; cutting the extracted audio information into a plurality of frame data; then, voice feature processing is performed, that is, the discrete periodic signal in the time domain is converted into the discrete signal in the frequency domain, for example, the discrete periodic signal in the time domain can be converted into the discrete signal in the frequency domain through fast fourier transform, then, the signal in the frequency domain is filtered and dimensionality reduced, for example, mel filtering can be adopted, and finally, a signal feature value is extracted to obtain a voiceprint feature of the user, for example, the signal feature value is extracted through discrete cosine transform.

In some embodiments, as applied to a living room scenario, a user account may be bound to voiceprint features of multiple family members, i.e., a voiceprint feature of any family member may complete a payment behavior under the device; in other embodiments, voiceprint characteristics of different family members may be associated with different user accounts, and when a voice is input, the user account corresponding to the voiceprint characteristics is automatically identified, and then payment is performed through the user account.

Fig. 10 is a schematic diagram of a payment process based on voiceprint feature authentication provided in an embodiment of the present application, and referring to fig. 6, the payment process based on voiceprint feature authentication provided in the embodiment of the present application includes:

step 1001: and the television terminal receives the payment instruction and presents a payment page containing the target text.

The target text here is text that requires a user speech input.

Step 1002: and receiving voice information input by a user through the remote control terminal.

Step 1003: and the server verifies the equipment information and the voice information of the television terminal.

In practical implementation, the device information may be verified in the following manner: the television terminal uses the stored device information (guid) and the password (secret) to generate an encrypted bill, wherein, symmetric encryption is carried out by using a symmetric encryption algorithm, namely, secret is used as an encryption key, and information such as guid and a time stamp is used as encrypted content; and the television terminal sends the generated encrypted bill to the server, the server decrypts by using the secret stored in the server, if the decryption is successful, the decrypted guid is consistent with the guid of the request, and the timestamp is within the valid time (such as 30 seconds), the encrypted bill is considered to be valid, the request is considered to be from a legal device, and the device information verification is successful.

In practical implementation, the voice information may be verified in the following manner: the television terminal sends the voice information to the server, and the server performs voiceprint extraction on the voice information to obtain voiceprint characteristics of the user; and reading the stored voiceprint feature ID through the guid of the television terminal, further acquiring a target voiceprint feature corresponding to the voiceprint feature ID, matching the target voiceprint feature with the received voiceprint feature, and if the matching is successful, considering that the request is from a legal user, and verifying the voiceprint feature.

Here, the verification may be performed through a cosine value of an included angle between two voiceprint feature vectors, that is, a cosine value of an included angle between the target voiceprint feature and the received voiceprint feature is calculated, and if the cosine value is smaller than a threshold, the matching is considered to be successful.

Step 1004: and when the equipment information and the voice information are verified to be passed, calling the third-party application, and paying through the user account of the third-party application.

The server acquires the user account of the third-party application associated with the device information of the television terminal according to the association relationship between the stored device information and the user account when the payment is carried out for the first time, and requests the server of the third-party application to carry out the payment through the acquired user account of the third-party application.

The embodiment of the application has the following beneficial effects:

1. the user can complete voiceprint recognition through voice input, so that the payment verification process is reduced, the payment threshold is reduced, and the payment conversion rate is improved;

2. the voice voiceprint recognition method is applied to a living room scene, the problem that the old and children cannot perform complicated payment operations such as code scanning through mobile phones can be solved, and the payment group of the living room scene is greatly expanded;

3. the equipment authentication and the voiceprint authentication are combined, the payment action is limited to be only generated in the current account of the current equipment, and the safety problem caused by cross-terminal payment is solved.

Continuing to describe an exemplary structure of the biometric authentication-based payment device 455 provided in the embodiment of the present application implemented as a software module, referring to fig. 11, fig. 11 is a schematic structural diagram of the biometric authentication-based payment device provided in the embodiment of the present application, and the biometric authentication-based payment device provided in the embodiment of the present application includes:

a presentation module 4551, configured to present a payment page including payment hint information, where the payment hint information is used to indicate a biometric characteristic of an input user;

a receiving module 4552, configured to receive a biometric characteristic input based on a control device, where the biometric characteristic corresponds to the payment prompting information;

a payment module 4553, configured to invoke a payment interface provided by a third party application, perform payment through the third party application, and determine that the user is authenticated based on the biometric characteristic

A payment success page is presented after payment is completed.

In some embodiments, the payment module 4553 is further configured to obtain device information of a current device and a password for encrypting the device information;

In some embodiments, the payment module 4553 is further configured to establish an association relationship between a user account of the third party application for payment and the current device;

and paying through the acquired user account of the third-party application.

In some embodiments, the payment module 4553 is further configured to receive a target biometric of the user based on the control device input;

determining that the user is authenticated when it is determined that the biometric matches the target biometric.

In some embodiments, the receiving module 4552 is further configured to receive voice information input based on a voice function button of the control device when the payment prompt information indicates that voice information is input, and use the voice information as a biometric feature corresponding to the payment prompt information;

the payment module 4553 is further configured to extract voiceprint features from the voice information;

matching the voiceprint features with stored target voiceprint features;

In some embodiments, the receiving module 4552 is further configured to receive the voice information input based on the voice function button of the control device when the payment prompt information indicates that the voice information corresponding to the target text is input, and

the payment module 4553 is further configured to perform voice recognition on the voice information to obtain a text corresponding to the voice information, and

extracting voiceprint information in the voice information;

In some embodiments, the receiving module 4552 is further configured to receive, when the payment hint information indicates that fingerprint information is input, fingerprint information input by a touch operation in a touch area of the control device;

extracting fingerprint characteristics of the fingerprint information to obtain the fingerprint characteristics of the user, and

In some embodiments, the receiving module 4552 is further configured to receive a camera start instruction triggered based on a camera function button of the control device when the payment hint information indicates that image information is input;

acquiring an image containing eyes of a user through a camera;

extracting iris features of the image to obtain iris features of the user, and

In some embodiments, the receiving module 4552 is further configured to present a type selection interface for selecting a biometric type;

In some embodiments, the payment module 4553 is further configured to, when the user account logged in by the current application is associated with the third-party application, acquire the user account logged in by the current application;

In some embodiments, the payment module 4553 is further configured to run the third-party application, and obtain a user account to which the third-party application is currently logged in;

and paying through the currently logged-in user account.

In some embodiments, the payment module 4553 is further configured to obtain at least two target biometrics;

storing each target biological characteristic and a corresponding user account of the third-party application in an associated manner;

and paying through the acquired user account.

By applying the embodiment of the application, the payment process can be directly completed based on the current equipment without other terminals, the process is simple, and the payment success rate can be improved; moreover, compared with a payment mode of scanning the two-dimensional code, information leakage is avoided, and payment safety is improved.

An embodiment of the present application further provides a computer device, where the computer device may be a terminal or a server, see fig. 12, and fig. 12 is a schematic structural diagram of the computer device provided in the embodiment of the present application, and the computer device provided in the embodiment of the present application includes:

a memory 450 for storing executable instructions;

and a processor 410, configured to execute the executable instructions stored in the memory, to implement the biometric authentication-based payment method provided in the embodiment of the present application.

Here, the Processor 410 may be an integrated circuit chip having Signal processing capabilities, such as a general purpose Processor, a Digital Signal Processor (DSP), or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, or the like, wherein the general purpose Processor may be a microprocessor or any conventional Processor, or the like.

The memory 450 may be removable, non-removable, or a combination thereof. Exemplary hardware devices include solid state memory, hard disk drives, optical disk drives, and the like. Memory 450 optionally includes one or more storage devices physically located remote from processor 410.

The memory 450 includes either volatile memory or nonvolatile memory, and may include both volatile and nonvolatile memory. The nonvolatile memory may be a Read Only Memory (ROM), and the volatile memory may be a Random Access Memory (RAM). The memory 450 described in embodiments herein is intended to comprise any suitable type of memory.

At least one network interface 420 and user interface 430 may also be included in some embodiments. The various components in the computer device are coupled together by a bus system 440. It is understood that the bus system 440 is used to enable communications among the components. The bus system 440 includes a power bus, a control bus, and a status signal bus in addition to a data bus. For clarity of illustration, however, the various buses are labeled as bus system 440 in FIG. 7.

Embodiments of the present application provide a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to execute the biometric authentication-based payment method described in the embodiment of the present application.

Embodiments of the present application provide a computer-readable storage medium having stored therein executable instructions that, when executed by a processor, cause the processor to perform a method provided by embodiments of the present application, for example, the method as illustrated in fig. 3.

In some embodiments, the computer-readable storage medium may be memory such as FRAM, ROM, PROM, EP ROM, EEPROM, flash memory, magnetic surface memory, optical disk, or CD-ROM; or may be various devices including one or any combination of the above memories.

In some embodiments, the executable instructions may be in the form of a program, software module, script, or code written in any form of programming language, including compiled or interpreted languages, or declarative or procedural languages, and it may be deployed in any form, including as a stand-alone program or as a module, component, subroutine, or other unit suitable for use in a computing environment.

By way of example, executable instructions may correspond, but do not necessarily have to correspond, to files in a file system, and may be stored in a portion of a file that holds other programs or data, such as in one or more scripts in a hypertext Markup Language (H TML) document, in a single file dedicated to the program in question, or in multiple coordinated files (e.g., files that store one or more modules, sub-programs, or portions of code).

As an example, executable instructions may be deployed to be executed on one computing device or on multiple computing devices located at one site or distributed across multiple sites and interconnected by a communication network.

The above description is only an example of the present application, and is not intended to limit the scope of the present application. Any modification, equivalent replacement, and improvement made within the spirit and scope of the present application are included in the protection scope of the present application.

Claims

1. A method of payment based on biometric authentication, the method comprising:

presenting a payment page containing payment prompt information, wherein the payment prompt information is used for indicating the input of the biological characteristics of the user;

receiving a biological characteristic input based on a control device, wherein the biological characteristic corresponds to the payment prompt information;

a payment success page is presented after payment is completed.

2. The method of claim 1, wherein the invoking a payment interface provided by a third party application, prior to making a payment through the third party application, the method further comprises:

acquiring equipment information of current equipment and a password for encrypting the equipment information;

the invoking a payment interface provided by a third party application when the user authentication is determined to be passed based on the biometric characteristic comprises:

3. The method of claim 1, wherein prior to presenting the payment page containing the payment advice information, the method further comprises:

establishing an incidence relation between a user account of a third-party application for payment and current equipment;

the making of the payment by the third party application comprises:

and paying through the acquired user account of the third-party application.

4. The method of claim 1, wherein prior to presenting the payment page containing the payment hint information, the method further comprises:

receiving a target biometric of a user based on the control device input;

after receiving the biometric features corresponding to the payment prompt information input based on the control device, the method further comprises:

5. The method of claim 1, wherein the receiving a biometric corresponding to the payment prompt information based on a control device input comprises:

when the payment prompt message indicates to input voice message, receiving the voice message input based on the voice function button of the control device, and

the method further comprises the following steps that a payment interface provided by the third party application is called, and before payment is carried out through the third party application, the method further comprises the following steps:

extracting voiceprint features in the voice information;

matching the voiceprint features with stored target voiceprint features;

6. The method of claim 1, wherein the receiving a biometric corresponding to the payment prompt information based on a control device input comprises:

when the payment prompt information indicates that voice information corresponding to the target text is input, receiving the voice information input based on the voice function button of the control equipment, and

the method further comprises the following steps that before the payment interface provided by the third-party application is called and payment is carried out through the third-party application:

performing voice recognition on the voice information to obtain a text corresponding to the voice information, and

extracting voiceprint information in the voice information;

7. The method of claim 1, wherein the receiving a biometric corresponding to the payment advice information based on a control device input comprises:

when the payment prompt information indicates that fingerprint information is input, receiving the fingerprint information input through touch operation in a touch area of the control equipment;

8. The method of claim 1, wherein the receiving a biometric corresponding to the payment advice information based on a control device input comprises:

when the payment prompt information indicates that image information is input, a camera opening instruction triggered by a camera function button based on the control equipment is received;

acquiring an image containing eyes of a user through a camera;

extracting iris features of the image to obtain iris features of the user, and

9. The method of claim 1, wherein prior to receiving the biometric corresponding to the payment advice information based on the control device input, the method further comprises:

presenting a type selection interface for selecting a biometric type;

the receiving of the biological features corresponding to the payment prompt information based on the input of the control device comprises:

10. The method of claim 1, wherein the making of the payment by the third party application comprises:

when the user account logged in by the current application is associated with the third-party application, acquiring the user account logged in by the current application;

11. The method of claim 1, wherein the making of the payment by the third party application comprises:

running the third-party application and acquiring a user account currently logged in by the third-party application;

and paying through the currently logged-in user account.

12. The method of claim 1, wherein prior to presenting the payment page containing the payment hint information, the method further comprises:

acquiring at least two target biological characteristics;

the making of the payment by the third party application includes:

and paying through the acquired user account.

13. A payment apparatus based on biometric authentication, the apparatus comprising:

a payment module for calling a payment interface provided by a third party application when the user is authenticated based on the biological characteristics, making payment through the third party application, and making payment

A payment success page is presented after payment is completed.

14. A computer device, comprising:

a memory for storing executable instructions;

a processor for implementing the biometric authentication based payment method of any one of claims 1 to 12 when executing executable instructions stored in the memory.

15. A computer readable storage medium storing executable instructions for implementing the biometric authentication-based payment method of any one of claims 1 to 12 when executed by a processor.