CN113570360A - Payment method, device, equipment and medium - Google Patents
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- 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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- 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
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- 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, payment equipment and payment media. Wherein, a payment method comprises the following steps: receiving a first input of a target application 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: a plurality of payment accounts of the same user and a payment account corresponding to each user in a plurality of users; 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; in a case where the target biometric authentication information includes biometric authentication information corresponding to the first input, the target order is paid through the target payment account. According to the embodiment of the application, the safety of the payment information in the payment process can be guaranteed, 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, payment equipment and payment media.
Background
Electronic equipment has become an essential tool in people's life, and brings great convenience to people's daily life. For example, the electronic device provides a function of fingerprint authentication, and a user can perform online payment through the fingerprint authentication.
However, there are many problems in the current online payment method through fingerprint authentication, for example, in an electronic device, a user a performs payment through an account a after normally using his own fingerprint authentication, and when the account a logs off and the account B of the user B is switched to log on, the user a can perform payment through the account B after using his own fingerprint authentication, which may affect the security of the account B. Therefore, how to carry out online payment through fingerprint authentication to ensure the security and payment efficiency of the payment process becomes an urgent problem to be solved.
Disclosure of Invention
The embodiment of the application provides a payment method, a payment device, equipment and a medium, which can ensure the safety of payment information in a payment process and improve the payment efficiency.
In a first aspect, an embodiment of the present application provides a payment method, which may include:
receiving a first input of a target application 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: a plurality of payment accounts of the same user and a payment account corresponding to each user in a plurality of users;
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;
in a case where the target biometric authentication information includes biometric authentication information corresponding to the first input, the target order is paid through the target payment account.
In a second aspect, an embodiment of the present application provides a payment apparatus, which may include:
a receiving module for receiving a first input of a target application to pay a target order;
a determination module 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: a plurality of payment accounts of the same user and a payment account corresponding to each user in a plurality of 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;
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, an embodiment of the present application provides a payment device, including: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a payment method as shown in the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium, on which computer program instructions are stored, and the computer program instructions, when executed by a processor, implement the payment method as shown in the first aspect.
The payment method, the payment device, the payment equipment and the payment medium of the embodiment of the application determine a target payment account from a plurality of payment accounts corresponding to a 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 by receiving the input of the target application program payment target order, and pay the target order through the target payment account under the condition that target biological characteristic verification information corresponding to the target application program, such as fingerprint verification information, iris verification information and voiceprint verification information, passes verification, so that in the same electronic equipment, the payment accounts of a plurality of users and the biological characteristic verification information corresponding to each application program are stored, so that the plurality of users can use the same electronic equipment to pay orders through the own biological characteristic verification information of each user, namely on the same electronic equipment, when the account A of the user A is cancelled and the account B of the user B is switched to log in, the user B can adopt the own biological characteristic verification information to carry out identity authentication payment orders, so that the account B is prevented from being stolen by other users, and the safety of the payment information of the user B is ensured. Meanwhile, the user B can perform identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in non-self electronic equipment, and after the identity authentication is passed, a payment order is performed through the account B, so that the user B can complete fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, 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 needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic structural diagram of one embodiment of a payment framework provided in accordance with the present application;
FIG. 2 is a schematic diagram of an electronic device according to the payment architecture provided herein;
FIG. 3 is a three-stage flow diagram according to one embodiment of a payment method provided herein;
FIG. 4 is a schematic flow chart diagram illustrating one embodiment of a payment method provided herein;
FIG. 5 is a schematic flow chart diagram illustrating a fingerprint enrollment phase according to one embodiment of a payment method provided herein;
FIG. 6 is a schematic diagram of an embodiment of a payment device provided in accordance with the present application;
fig. 7 is a hardware architecture diagram of one embodiment of a payment device provided in accordance with the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended 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 illustrating examples thereof.
It is noted that, herein, relational terms such as first and second, and the like may be 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. Also, 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 identical elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the application provides a payment method, which is implemented by storing payment accounts of multiple users (such as a payment account corresponding to each user in multiple users or multiple payment accounts of the same user) and biological characteristic verification information corresponding to an application program in the same electronic device, so that when multiple users use the same electronic device to perform order payment, identity authentication is performed through the biological characteristic verification information of each user, and after the identity authentication is passed, order payment is performed in a target application program by using the account corresponding to each user.
Based on this, the following describes in detail the payment method provided by the embodiment of the present application through a specific embodiment and an application scenario thereof with reference to fig. 1 to fig. 2.
The present embodiment provides a payment framework, as shown in fig. 1, which may include an electronic device 10 and a plurality of users, such as user 1 to user N. The electronic device may store a payment account of each of the plurality of users, such as a bank card account, and biometric authentication information of each user, such that the payment account of each user is associated with the biometric authentication information corresponding thereto, such as fingerprint authentication information, iris authentication information, voiceprint authentication information, and the like, to obtain associated information. Based on this, when the electronic device receives an input of a payment target order, a target payment account corresponding to a first input may be determined from a plurality of pre-stored payment accounts, then, target biometric authentication information corresponding to the target payment account may be acquired according to association information of the payment account and the biometric authentication information, and then, in a case where the target biometric authentication information includes the biometric authentication 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 supporting a payment order, an operating system, a payment control, and a Trusted Execution Environment (TEE) space, where the TEE control includes a fingerprint TA module.
Based on this, the trusted Application program communicates with the payment control by calling an Application Programming Interface (API) of the payment control, and the white lists of the plurality of Application programs authorized by the fingerprint TA module in the TEE space are stored in the payment control, so that the fingerprint TA module can be accessed when the white lists of the plurality of Application programs stored in the payment control receive the biometric authentication information sent by the Application programs in the white lists, thereby implementing the process of storing the fingerprint authentication information. Similarly, when the first input is received and the target payment account is determined based on the payment control, the target fingerprint verification information corresponding to the target application program is determined according to the associated information stored in the payment control, and then the target fingerprint verification information is called from the fingerprint TA module. 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 and the fingerprint TA module, so that more applications can be in interactive communication with the fingerprint TA module through the payment control, and the utilization rate of the applications in a payment scene is improved.
It should be noted that the payment control may be an application program built in the operating system of the electronic device. Here, the application program built in the operating system is a system default application program preset by the electronic device, and has a higher authority and priority, and a user cannot uninstall the application program without installation. Thus, the payment control can be used for establishing a communication bridge between the trusted application program and the fingerprint TA module so as to realize the authentication process for storing the biometric verification information and the biometric verification information.
The fingerprint TA module is a necessary module which is realized in the same electronic equipment and stores biological characteristic verification information corresponding to a plurality of credible application programs so that a plurality of users log in accounts of the credible application programs of the users by using the same electronic equipment through each user and use fingerprint verification of the users to pay orders, and the fingerprint TA module can provide a first target interface (TEE interface) for the payment control and is convenient to communicate with the payment control. 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, and the process is not universal. The method and the device for the development of the application program have universality by providing a unified interface such as a TEE interface externally, so that for the development end of the application program, the first target interface provided by the embodiment of the application program can reduce the difficulty of the development end of the application program in developing a special interface. For the electronic device, the storage capacity of the dedicated 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 framework, with reference to fig. 3, the above three phases related to the payment method are described in detail, wherein the payment method provided by the embodiment of the present application may include three phases, namely, a fingerprint registration phase, a fingerprint authentication phase, and a fingerprint updating phase.
Here, a description will be given taking, as an example, 3 users, i.e., user a and user B, user C. Based on this, user a, user B, and user C may enter a payment account corresponding to each user, respectively, at the trusted application on the electronic device in order to pay for the order.
First, in 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 with biometric authentication information, such as fingerprint authentication information, iris authentication information, voiceprint authentication information, etc., corresponding to the authentication identity information, and here, taking binding of one or more fingerprint authentication information as an example, for example, user a binds application a1 and a2 with fingerprint 1 of his right thumb, user B binds application a1, a2 and B with fingerprint 2 of his left thumb and fingerprint 3 of his right thumb, and user C binds application a1, a2 and C with fingerprint 4 and fingerprint 5 of his right index finger. Thus, the electronic device will store the above-mentioned association information of each of the plurality of trusted applications (i.e., application a1, application a2, application B, and application C) and the biometric authentication information, such as association information 1 of application a1 and application a2 for fingerprint 1 of user a, association information 2 of applications a1, a2, and B for fingerprint 2 and fingerprint 3 of user B, and association information 3 of applications a1, a2, and C for fingerprint 4 and fingerprint 5 of user C. And storing fingerprint 1, fingerprint 3, fingerprint 4 and fingerprint 5 in the fingerprint TA module. It should be noted that, in the stage of registering a fingerprint, if the electronic device does not support the fingerprint TA module, the fingerprint function of the electronic device is acquired by using the second target interface of the original operating system; otherwise, the payment control calls a first target interface defined by the fingerprint TA module to acquire fingerprint verification information stored by the user, and performs security encryption and signature on the fingerprint verification information, and the fingerprint TA module and the server respectively store the fingerprint verification information, wherein the purpose of storing the fingerprint verification information by the server is to prevent the fingerprint TA module in the electronic equipment from being incapable of verifying the fingerprint verification information when the fingerprint TA module fails.
Next, the fingerprint authentication phase, the electronic device receives a first input of a trusted application to pay the target order, 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. And judging whether the associated information corresponding to the target application program is stored in the fingerprint TA module, and if the associated information 2 corresponding to the target application program is stored in the fingerprint TA module, calling the fingerprint TA module to acquire target biological characteristic verification information such as a fingerprint 2 and a fingerprint 3 corresponding to the target application program based on the associated information of the target application program and the biological characteristic verification information. Thus, in the case where the fingerprint 2 and the fingerprint 3 comprise first fingerprint information corresponding to the first input, such as fingerprint 2, the payment for the target order is made via the payment account B in the target application. On the contrary, when 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 in other modes, such as the mode of inputting the account password; or, in a 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, the authentication failure information is displayed, and fourth prompt information is displayed, where the fourth prompt information is used to prompt the user to add the fingerprint verification information corresponding to the payment account B, so that the user can perform identity verification on the payment account B by using the newly added fingerprint verification information next time when the user uses the payment order of the account B.
Then, in a fingerprint updating stage, if the associated information is lost or the authorization time limit exceeds a preset threshold value, displaying third prompt information, wherein the third prompt information is used for prompting a user to update the associated information; and updating the associated information under the condition that the user identity information is determined to pass the verification.
Therefore, the payment method, the payment device, the payment equipment and the payment medium of the embodiment of the application determine 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 by receiving the input of the target application program payment target order, pay the target order through the target payment account under the condition that the target biological characteristic verification information corresponding to the target application program, such as fingerprint verification information, iris verification information and voiceprint verification information, passes the verification, realize that in the same electronic equipment, the payment accounts of a plurality of users and the biological characteristic verification information corresponding to each application program are stored, so that a plurality of users can use the same electronic equipment to pay the order through the own biological characteristic verification information of each user, namely, on one electronic device, when the account A of the user A is logged out and the account B of the user B is switched to log in, the user B can use the own biological characteristic verification information to carry out identity authentication payment orders, so that the account B is prevented from being stolen by other users, and the safety of the payment information of the user B is ensured. Meanwhile, the user B can perform identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in non-self electronic equipment, and after the identity authentication is passed, a payment order is made by adopting the account B, so that the user B can complete fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, meanwhile, various payment modes are provided for the user, and the user experience is improved.
For better understanding of the present application, a payment method, an apparatus, a device and a 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 schematic flow chart diagram illustrating one embodiment of a payment method provided herein.
As shown in fig. 4, the payment method may be applied to a payment apparatus or a payment device, that is, any electronic device shown in fig. 1 to 3, and specifically may include the following steps:
first, a first input is received that a target application pays for a target order, step 410.
Next, step 420, 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: the payment account management method comprises the steps of multiple payment accounts of the same user and payment accounts corresponding to each user in multiple users.
Next, in step 430, target biometric authentication information corresponding to the target application program is obtained according to the association information between the application program and the biometric authentication information.
Then, at step 440, payment is made to 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 the input of the target application program to pay the target order, 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 through the target payment account under the condition that the target biological characteristic verification information corresponding to the target application program, such as fingerprint verification information, iris verification information and voiceprint verification information, passes verification, the payment accounts of a plurality of users and the biological characteristic verification information corresponding to each application program are stored in the same electronic equipment, so that the plurality of users can pay orders through the biological characteristic verification information of each user by using the same electronic equipment, namely on the same electronic equipment, when the account A of the user A is cancelled, when the account B of the user B is switched to log in, the user B can adopt the own biological characteristic verification information to carry out identity authentication payment order, so that the account B is prevented from being stolen by other users, and the safety of the payment information of the user B is ensured. Meanwhile, the user B can perform identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in non-self electronic equipment, and after the identity authentication is passed, a payment order is made by adopting the account B, so that the user B can complete fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, meanwhile, various payment modes are provided for the user, and the user experience is improved.
Based on this, the above steps are described in detail as follows:
first, in one or more possible embodiments, before step 420 is involved, the payment method may further include:
receiving a second input to log in to the application;
determining whether biometric authentication information corresponding to the application program is stored in response to the second input;
under the condition that the biological characteristic verification information corresponding to the application program is determined not to be stored, displaying first prompt information, wherein the first prompt information is used for prompting a user to add the first biological characteristic verification information;
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 associated information.
It should be noted that, in the embodiment of the present application, by default, when the target application is logged in, the target application may correspond to one or more payment accounts, and since the one or more payment accounts are of one user, the stored biometric authentication information thereof is also the same. Thus, the identity of the user can be verified with respect to the target biometric authentication information corresponding to the target application.
Based on this, in another or a plurality of possible embodiments, it may also be detected whether the account of logging in the electronic device is the same as the account of logging in the target application program, and if so, it is verified that the user holding the electronic device and the user logging in the target application program are the same user, and at this time, the target order may be directly paid through the target payment account without identity authentication, so that the time for user payment is reduced, and the payment efficiency is improved. Based on this, prior to step 420, the payment method may further include:
detecting whether first identity information of the logged electronic equipment is the same as second identity information of the logged target application program or not;
and under the condition that the first identity information for logging in the electronic equipment is the same as the second identity information for logging in the target application program, paying the target order through the target payment account.
Here, the first identity information and the second identity information in the embodiment of the application 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 by using the same electronic device, the same communication number, the same identity certificate and the like.
Based on this, in the case where it is determined that the biometric authentication information corresponding to the application program is stored, 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 a case where a fourth input that the user does not determine the stored biometric authentication information as the first biometric authentication information is received, the first prompt information is displayed.
Conversely, in the case of receiving a fifth input that the user determines the stored biometric authentication information as the first biometric authentication information, the application program and the first biometric authentication information are associated to obtain the associated information.
For example, as shown in fig. 5, the biometric authentication information is taken as the fingerprint authentication information for explanation. Step 501, the electronic device receives a second input for logging in an application program; step 502, in response to a second input, determining whether fingerprint authentication information is stored in the fingerprint TA module; step 503, displaying first prompt information under the condition that it is determined that the fingerprint TA module does not store the fingerprint verification information corresponding to the application program, wherein the first prompt information is used for prompting a user to add the first fingerprint verification information; and step 504, in the case that the first fingerprint verification information corresponding to the application program is determined to exist in the fingerprint TA module, determining that the first fingerprint verification information is added successfully. Step 505, displaying second prompt information under the condition that the fingerprint TA module is determined to store the fingerprint verification information, wherein the second prompt information is used for prompting a user whether to determine the stored fingerprint verification information as the first fingerprint verification information corresponding to the application program; in step 506, in case a fifth input that the user determines the stored fingerprint authentication information as the first fingerprint authentication information is received, the application program and the first fingerprint authentication information are associated to obtain associated information. And 507, respectively storing the associated information in the fingerprint TA module and the background server.
In yet another possible embodiment, which may be described in connection with the architecture shown in fig. 1, it may be determined whether the application paying for the target order is the 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 include:
under the condition that 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;
determining the application paying for the target order as the target application if the application determining the target order is a trusted application.
Then, based on step 420, in one or more possible embodiments, step 430 may specifically include:
responding to the first input, and detecting whether the electronic equipment comprises a first target interface, wherein the first target interface is an interface for exchanging information between a module for storing associated information and the payment control;
and under the condition that the electronic equipment is detected to comprise the first target interface, acquiring target biological characteristic verification information corresponding to the target application program from the module for storing the associated information through the first target interface according to result information that the target application program determined from the payment control is 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, voiceprint verification information.
Here, the description of step 430 is given by taking the biometric authentication information as the fingerprint authentication information as an example, that is, when the biometric authentication information is the fingerprint authentication information, at least two different target fingerprint authentication information corresponding to the target application program are obtained according to the first association information between the application program and the fingerprint authentication information, where the at least two different target fingerprint authentication information include fingerprints of fingers or toes of different positions of the user.
Thus, step 440 may specifically include: in the event that the at least two different target fingerprint verification information includes first fingerprint information corresponding to the first input, payment is made for 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 associated information under the condition that the user identity information is determined to pass the verification.
In another possible embodiment or embodiments, after step 440, the payer may further include:
and under the condition that the biometric authentication information corresponding to the target application program is not stored, displaying fourth prompt information, wherein the fourth prompt information is used for prompting the user to add the target biometric authentication information corresponding to the target application program.
To sum up, the payment method, apparatus, device and medium according to the embodiments of the present application determine a target payment account from a plurality of payment accounts corresponding to a 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 an input of a target application to pay a target order, and pay the target order through the target payment account when target biometric authentication information corresponding to the target application, such as fingerprint authentication information, iris authentication information and voiceprint authentication information, passes the authentication, so that a plurality of users pay the order through their own biometric authentication information by using the same electronic device by storing the payment accounts of the plurality of users and the biometric authentication information corresponding to each application in the same electronic device, namely, on one electronic device, when the account A of the user A is logged out and the account B of the user B is switched to log in, the user B can use the own biological characteristic verification information to carry out identity authentication payment orders, so that the account B is prevented from being stolen by other users, and the safety of the payment information of the user B is ensured. Meanwhile, the user B can perform identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in non-self electronic equipment, and after the identity authentication is passed, a payment order is made by adopting the account B, so that the user B can complete fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, 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. The details are described with reference to fig. 6.
Fig. 6 is a schematic structural diagram of one embodiment of a payment device provided in accordance with the present application.
In some embodiments of the present application, the payment apparatus 60 shown in fig. 6 may be provided in a payment device or an electronic device as shown in fig. 1-3.
As shown in fig. 6, the payment apparatus 60 may specifically include:
a receiving module 601, configured to receive a first input of a target application 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: a plurality of payment accounts of the same user and a payment account corresponding to each user in a plurality of users;
an obtaining module 603, configured to obtain target biometric authentication information corresponding to the target application program according to the association information between the application program and the biometric authentication information;
a payment module 604 for paying for the target order via the target payment account if the target biometric authentication information includes biometric authentication information corresponding to the first input.
Therefore, by receiving the input of the target application program to pay the target order, 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 through the target payment account under the condition that the target biological characteristic verification information corresponding to the target application program, such as fingerprint verification information, iris verification information and voiceprint verification information, passes verification, the payment accounts of a plurality of users and the biological characteristic verification information corresponding to each application program are stored in the same electronic equipment, so that the plurality of users can pay orders through the biological characteristic verification information of each user by using the same electronic equipment, namely on the same electronic equipment, when the account A of the user A is cancelled, when the account B of the user B is switched to log in, the user B can adopt the own biological characteristic verification information to carry out identity authentication payment order, so that the account B is prevented from being stolen by other users, and the safety of the payment information of the user B is ensured. Meanwhile, the user B can perform identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in non-self electronic equipment, and after the identity authentication is passed, a payment order is made by adopting the account B, so that the user B can complete fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, meanwhile, various payment modes are provided for the user, and the user experience is improved.
The payment device 60 is described in detail below, specifically as follows:
in one or more possible embodiments, the payment apparatus 60 may further include a determination module, a first display module, and a first association module; wherein,
the receiving module 601 may be further configured to receive a second input for logging in to the application; based on the above, the judging module is used for responding to the second input and determining whether the biological characteristic verification information corresponding to the application program is stored or not; the display module is used for displaying first prompt information under the condition that the biological characteristic verification information corresponding to the application program is determined not to be stored, wherein the first prompt information is used for prompting a user to add the first biological characteristic verification information; and the first association module is used for associating the application program with the first biological characteristic verification information to obtain associated information under the condition that a third input of the first biological characteristic verification information added by the user is received.
In another possible embodiment or embodiments, the payment apparatus 60 may further include a second display module, configured to display, in a case where it is determined that the biometric authentication information corresponding to the application program is stored, 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 a case where a fourth input that the user does not determine the stored biometric authentication information as the first biometric authentication information is received, the first prompt information is displayed.
In yet another possible embodiment or embodiments, the payment apparatus 60 may further include a second associating module, configured to associate the application program with the first biometric authentication information to obtain associated information, in case a fifth input is received by the user to determine the stored biometric authentication information as the first biometric authentication information.
In still another possible embodiment or embodiments, the determining module 602 may be further configured to, in a case that the electronic device includes a payment control, determine, through the payment control, whether the application program of the payment target order is a trusted application program, where the payment control is a built-in application program of an operating system in the electronic device;
in a case where the application program paying for the target order is determined to be a trusted application program, the application program paying for the target order is determined to be a target application program.
In still another possible embodiment or 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 the associated information and the payment control;
and under the condition that the electronic equipment is detected to comprise the first target interface, acquiring target biological characteristic verification information corresponding to the target application program from the module for storing the associated information through the first target interface according to result information that the target application program determined from the payment control is the trusted application program.
Note that the biometric authentication information includes at least one of the following: fingerprint verification information, iris verification information, voiceprint verification information.
In one or more possible embodiments, the obtaining module 603 may be specifically configured to, when the biometric authentication information is fingerprint authentication information, obtain at least two different target fingerprint authentication information corresponding to the target application program according to the first association information between the application program and the fingerprint authentication information, where the at least two different target fingerprint authentication information include fingerprints of fingers or toes in different positions 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 include first fingerprint information corresponding to the first input.
In still another possible embodiment or embodiments, the payment apparatus 60 may further include a detection module, configured to detect whether the first identity information of the logged electronic device is the same as the second identity information of the logged target application;
and under the condition that the first identity information of the logged electronic equipment is detected to be the same as the second identity information of the logged target application program, paying the target order through the target payment account.
In still another possible embodiment or embodiments, the payment apparatus 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 authentication of the user identity information is determined to pass.
In still another possible embodiment, the payment apparatus 60 may further include a fourth display module, configured to display a fourth prompt message for prompting the user to add the target biometric authentication information corresponding to the target application program in case that it is detected that the target biometric authentication information corresponding to the target application program is not stored.
To sum up, the payment method, apparatus, device and medium according to the embodiments of the present application determine a target payment account from a plurality of payment accounts corresponding to a 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 an input of a target application to pay a target order, and pay the target order through the target payment account when target biometric authentication information corresponding to the target application, such as fingerprint authentication information, iris authentication information and voiceprint authentication information, passes the authentication, so that a plurality of users pay the order through their own biometric authentication information by using the same electronic device by storing the payment accounts of the plurality of users and the biometric authentication information corresponding to each application in the same electronic device, namely, on one electronic device, when the account A of the user A is logged out and the account B of the user B is switched to log in, the user B can use the own biological characteristic verification information to carry out identity authentication payment orders, so that the account B is prevented from being stolen by other users, and the safety of the payment information of the user B is ensured. Meanwhile, the user B can perform identity authentication by adopting the account B of the user B and the biological characteristic verification information of the user B in non-self electronic equipment, and after the identity authentication is passed, a payment order is made by adopting the account B, so that the user B can complete fingerprint, iris or voiceprint payment through the non-self electronic equipment, the payment efficiency is improved, meanwhile, various payment modes are provided for the user, and the user experience is improved.
It should be noted that the payment apparatus 60 shown in fig. 6 may perform each step in the payment method embodiments shown in fig. 1 to fig. 5, and implement each process and effect in the payment method embodiments shown in fig. 1 to fig. 5, which are not described herein again.
Based on the same inventive concept, the application also provides a payment device. The details are described with reference to fig. 6.
Fig. 7 shows a hardware structure diagram of a payment device provided in an embodiment of the present application.
As shown in fig. 7, the payment device, which may be a server or an electronic device, may include a processor 701 and a memory 702 storing computer program instructions.
Specifically, the processor 701 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.
The processor 701 may implement any of the payment methods described in 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 to complete mutual communication.
The communication interface 703 is mainly used for implementing communication between modules, apparatuses, units and/or devices in this embodiment of the application.
The data processing device may execute the payment method in the embodiment of the present application, thereby implementing the payment method and apparatus described in conjunction with fig. 1 to 6.
In addition, in combination with the payment method in the foregoing embodiments, the embodiments of the present application may be implemented by providing a computer-readable storage medium. The computer readable storage medium having 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 is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. 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 the steps after comprehending the spirit of the present application.
The functional blocks shown in the above structural block diagrams may be implemented as 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, plug-in, 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 by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, 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 so forth. The code segments may be downloaded via computer networks such as the internet, intranet, 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 performed in an order different from the order in the embodiments, or may be performed simultaneously.
As will be apparent to those skilled in the art, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to corresponding processes in the foregoing method embodiments, and are not described herein again. 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, and these modifications or substitutions should be covered within the scope of the present application.
Claims (14)
1. A payment method, comprising:
receiving a first input of a target application 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: a plurality of payment accounts of the same user and a payment account corresponding to each user in a plurality of users;
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;
paying the target order through the target payment account if the target biometric verification information includes first biometric verification information corresponding to the first input.
2. The method according to claim 1, wherein before obtaining the target biometric authentication information corresponding to the target application program according to the association information between the application program and the biometric authentication information, the method further comprises:
receiving a second input to log in to the application;
determining whether biometric authentication information corresponding to the application program is stored in response to the second input;
under the condition that the biological characteristic verification information corresponding to the application program is determined not to be stored, displaying first prompt information, wherein the first prompt information is used for prompting a user to add first biological characteristic verification information;
and under the condition that a third input of 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 associated information.
3. The method of claim 2, further comprising:
displaying second prompt information under the condition that the biological characteristic verification information corresponding to the application program is determined to be stored, wherein the second prompt information is used for prompting the user whether the stored biological characteristic verification information is determined to be the first biological characteristic verification information corresponding to the application program;
displaying the first prompt information in a case where a fourth input that the user does not determine the stored biometric authentication information as the first biometric authentication information is received.
4. The method of claim 3, further comprising:
and under the condition that a fifth input that the user determines the stored biological characteristic verification information as the first biological characteristic verification information is received, associating the application program with the first biological characteristic verification information to obtain the associated information.
5. The method of claim 1, wherein prior to determining, 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 method further comprises:
under the condition that 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;
in a case where the application program paying for the target order is determined to be a trusted application program, the application program paying for the target order is determined to be a target application program.
6. The method according to claim 5, wherein the obtaining target biometric authentication information corresponding to the target application program according to the association information between the application program and the biometric authentication information comprises:
detecting whether the electronic equipment comprises a first target interface, wherein the first target interface is an interface for exchanging information 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, acquiring target biological characteristic verification information corresponding to the target application program from a module for storing the associated information through the first target interface according to result information that the target application program determined from the payment control is a trusted application program.
7. The method according to claim 1 or 6, wherein the biometric authentication information comprises at least one of: fingerprint verification information, iris verification information, voiceprint verification information; the 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 comprises the following steps:
under the condition that the biological characteristic verification information is fingerprint verification information, at least two different target fingerprint verification information corresponding to the target application program are obtained according to the first associated 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 of different positions of a user.
8. The method of claim 7, wherein the paying for the target order via the target payment account if the target biometric verification information includes first biometric verification information corresponding to the first input comprises:
in a case that the at least two different target fingerprint verification information includes first fingerprint information corresponding to the first input, paying the target order through the target payment account.
9. The method according to claim 1, wherein before obtaining the target biometric authentication information corresponding to the target application level according to the association information between the application program and the biometric authentication information, the method further comprises:
detecting whether first identity information of the logged electronic equipment is the same as second identity information of the logged target application program or not;
and under the condition that the first identity information for logging in the electronic equipment is the same as the second identity information for logging in the 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 via 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 associated information under the condition that the authentication of the user identity information is determined 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 under the condition that target biological characteristic verification information corresponding to the target application program is not stored, 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:
a receiving module for receiving a first input of a target application to pay a target order;
a determination module 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: a plurality of payment accounts of the same user and a payment account corresponding to each user in a plurality of 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;
a payment module to pay the target order through the target payment account if the target biometric verification information includes biometric verification information corresponding to the first input.
13. A payment device, characterized in that the payment device comprises: 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 1-11.
14. A computer-readable storage medium having computer program instructions stored thereon which, when executed by a processor, implement a payment method as claimed in any one of claims 1 to 11.
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| CN118297600A (en) * | 2024-05-29 | 2024-07-05 | 快捷通支付服务有限公司 | Method, device, medium and program product for payment identity verification of a user |
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