CN104574086A - Payment method, device and terminal - Google Patents
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- CN104574086A CN104574086A CN201410834449.8A CN201410834449A CN104574086A CN 104574086 A CN104574086 A CN 104574086A CN 201410834449 A CN201410834449 A CN 201410834449A CN 104574086 A CN104574086 A CN 104574086A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention discloses a payment method, device and terminal. The payment method comprises the steps of acquiring biological feature information of a payment user during mobile payment, and allowing the payment when the acquired biological feature information of the payment user is matched with prestored biological feature information of a safety user. According to the method, the device and the terminal, the biological feature information of the user is taken as payment verification information; the payment can be carried out after verification; and the payment safety is effectively improved.
Description
Technical field
The present invention relates to computer communication field, particularly relate to a kind of method of payment, device and terminal
Background technology
Along with the intellectuality of mobile terminal, the function of mobile terminal from strength to strength, is carried out payment funding by mobile terminal and is realized, namely realize mobile payment.Mobile payment, also referred to as mobile-phone payment, uses mobile terminal (such as mobile phone or panel computer) consumed commodity or service to be carried out to a kind of modes of payments of account payment with regard to user.Unit or individual by mobile device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism, and then produce the behavior of currency Zhi Fuyu capital transfer, thus realize mobile payment function.Terminal device, internet, application provider and financial institution merge by mobile payment mutually, provide the financial business such as currency payment, payment for user.
But existing mobile payment is all paid by the technology such as password or NFC, if password or NFC (Near Field Communication, near field communication (NFC)) equipment is stolen, the fund likely stolen or transfer of user, therefore, existing modes of payments security is lower.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of method of payment, device and terminal, in order to solve the low problem of prior art modes of payments security.
For solving the problems of the technologies described above, on the one hand, the invention provides a kind of method of payment, comprising:
When carrying out mobile payment, gather the biological information paying user;
When the biological information of the payment user gathered is with the biometric information matches prestored, allow to pay.
Further, when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, specifically comprise:
Gather and pay the health of user or the impedance spectrum data of body;
When the impedance spectrum data of one or more users that the described impedance spectrum data fit gathered prestores, both judgements are mated.
Further, before carrying out mobile payment, also comprise:
Judge whether carry out mobile payment exists risk; If exist, then gather the biological information paying user; If do not exist, then allow to pay.
Further, what meet the following conditions is one or more, then judge that carrying out mobile payment exists risk:
When needing the amount of money carrying out mobile payment to exceed default maximum dollar amount, judge that carrying out mobile payment exists risk;
The number of times carrying out mobile payment when the odd-numbered day exceedes the default odd-numbered day when paying maximum number of times, judges that carrying out mobile payment exists risk;
When the total charge that the odd-numbered day carries out mobile payment exceedes the maximum dollar amount of default odd-numbered day payment, judge that carrying out mobile payment exists risk;
When the geographic position that the geographic position paying user place when carrying out mobile payment and the carrying out of presetting pay is inconsistent, judge that carrying out mobile payment exists risk;
When the modes of payments of carrying out mobile payment belongs to default NFC payment, judge that carrying out mobile payment exists risk.
On the other hand, the present invention also provides a kind of payment mechanism, comprising:
Collecting biological feature information unit, for when carrying out mobile payment, gathers the biological information paying user;
Storage unit, pays the biological information of user and the biological information of secured user for storage of collected;
Analytic unit, for when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, allows to pay.
Further, when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, specifically comprise:
Gather and pay the health of user or the impedance spectrum data of body;
When the impedance spectrum data of one or more users that the described impedance spectrum data fit gathered prestores, both judgements are mated.
Further, also comprise payment risk judging unit,
Described payment risk judging unit, for judging whether carry out mobile payment exists risk; If exist, then gather the biological information paying user; If do not exist, then allow to pay.
Further, what meet the following conditions is one or more, then judge that carrying out mobile payment exists risk:
When needing the amount of money carrying out mobile payment to exceed default maximum dollar amount, judge that carrying out mobile payment exists risk;
The number of times carrying out mobile payment when the odd-numbered day exceedes the default odd-numbered day when paying maximum number of times, judges that carrying out mobile payment exists risk;
When the total charge that the odd-numbered day carries out mobile payment exceedes the maximum dollar amount of default odd-numbered day payment, judge that carrying out mobile payment exists risk;
When the geographic position that the geographic position paying user place when carrying out mobile payment and the carrying out of presetting pay is inconsistent, judge that carrying out mobile payment exists risk;
When the modes of payments of carrying out mobile payment belongs to default NFC payment, judge that carrying out mobile payment exists risk.
Again on the one hand, the present invention also provides a kind of terminal, and described terminal adopts the present invention's payment mechanism described arbitrarily to carry out mobile payment.
Beneficial effect of the present invention is as follows: the present invention passes through, using the biological information of user as payment verification information, just to pay, effectively raise the security of payment after by checking.
Accompanying drawing explanation
Fig. 1 is a kind of method of payment process flow diagram of the embodiment of the present invention;
Fig. 2 is a kind of payment mechanism structural representation of the embodiment of the present invention.
Embodiment
In order to solve the low problem of prior art modes of payments security, the invention provides and a kind of method of payment, device and terminal are provided, below in conjunction with accompanying drawing and two embodiments, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, do not limit the present invention.
Embodiment one,
Fig. 1 is a kind of method of payment process flow diagram of the embodiment of the present invention; As shown in Figure 1, the method comprises:
S101, when needs carry out payment funding by mobile terminal, or carries out account when transferring accounts, and needs to send payment instruction by mobile terminal to bank finance mechanism, now first judges whether to there is payment risk, if it is determined that devoid of risk, then perform S105; If it is determined that there is risk, then perform S102.
When this step is specifically implemented, can judge whether to there is payment risk according to payment risk determination strategy, if namely when there being position in wholesale payment, user ground change or occur the situations such as NFC mode payment, illustrate that current payment exists risk; Such as when needing the number of payment larger, exceed default payment maximum dollar amount, or the number of times paid on the same day is many, exceedes default payment number of times, now illustrating that account is likely stolen, may there is risk in current payment.
And for example, geographic position when payment being detected according to terminal (mobile phone) carrier network or GPS sensor is inconsistent with the geographic position of presetting, and there occurs change, such as urban changes, illustrates that current payment also may exist risk.
For another example, when paying, need to adopt NFC mode to pay, etc.
S102, gathers the biological information paying user, carries out identification to payment user.Biological characteristic has fingerprint, palmmprint, hand shape, face, iris, retina, pulse, auricle etc., and behavioural characteristic has signature, sound, gait etc.Based on these features, people have developed many recognition technologies such as fingerprint recognition, the identification of hand shape, recognition of face, iris recognition, signature identification, voice recognition, Gait Recognition and multiple biological characteristic mixing identification.
In this step, biological information preferably adopts the impedance spectrum data of body part, the impedance spectrum data of such as palm can be one or more, and the impedance spectrum data of body part can utilize bioelectrical impedance spectrum measuring device (chip) to gather.
Palm or other positions of health are the microcosmic huge systems be made up of countless cellular, the numerous conductive path of epidermis, muscle, bone and vascularization, constitute the impedance network that a complexity is incomparable on the whole, BIS (Bioimpedance Spectroscopy is carried out to palm or other positions of health, bioelectrical impedance spectrum) measure, analyze palm or the impedance property of other inherences, position of health and the rule with frequency change thereof, just can obtain abundant and stable bioassay feature.Such as palm, the personal characteristics such as distance, internal muscular bone and vascular distribution between the hand size of Different Individual, muscle thickness, finger thickness, finger vary, these factors determine the uniqueness of each palm inner structure, and therefore the BIS characteristic of palm inherence is unique; In addition, because the distribution of finger tip mastoid process line, epidermal keratinocytes Rotating fields vary with each individual, finger can reflect the otherness of interpersonal fingerprint characteristic with the contact impedance of electrode, and the BIS characteristic that therefore palm is external also can vary with each individual.
S103, according to the biological information gathered in S102, judges whether pay user belongs to secured user; If so, S105 is performed; If not, S104 is performed.
Wherein, secured user is can for one or more, the all kinsfolks such as arranging user are secured user, during concrete enforcement, the impedance spectrum data of one or more body parts of one or more user can be gathered in advance, and the impedance spectrum data gathered in advance are preserved as sample data encryption, be set to secured user by providing the user of sample data.
By the impedance spectrum data of one or more body parts that previous step gathers, carry out contrast with the impedance spectrum data of the secured user prestored to mate, if the impedance spectrum data of the payment user gathered and the arbitrary impedance spectrum Data Matching of arbitrary secured user prestored, judge that current payment user is as a secured user, perform S105, allow to pay; If the impedance spectrum data of payment user gathered are not mated with arbitrary impedance spectrum data of the arbitrary secured user prestored, judge that current payment user is as insecure user, perform S104, refusal to pay.
Wherein, when judging that current payment user is not that a secured user is when refusing to pay, payment terminal can be called and send the information such as note or micro-letter to the safety prompt function phone pre-set, risky payment in the member of secured user is reminded to occur, secured user also opens and reports the loss to bank finance mechanism application account number, more improves the security of payment.
The method of the embodiment of the present invention, by arranging payment risk evaluation model and carrying out identification based on bio-electrical impedance to payment user, effectively raises the security of payment.
Embodiment two,
Fig. 2 is the structural representation of payment mechanism corresponding to embodiment one method of payment; As shown in Figure 2, this device comprises:
Collecting biological feature information unit 201, for when carrying out mobile payment, gathers the biological information paying user;
Storage unit 202, pays the biological information of user and the biological information of secured user for storage of collected;
Analytic unit 203, for when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, allows to pay.
Impedance spectrum data due to body part have the many advantages described in embodiment one, device in the present embodiment, collecting biological feature information unit 201 preferably adopts bioelectrical impedance spectrum measuring device, utilizes bioelectrical impedance spectrum measuring device to gather the impedance spectrum data at user's body position.
Wherein, when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, specifically comprise:
Gather and pay the health of user or the impedance spectrum data of body;
The impedance spectrum data of the described impedance spectrum data gathered with the one or more users prestored compared, when the two is identical, both judgements are mated.
This device also comprises payment risk judging unit,
Described payment risk judging unit, for judging whether carry out mobile payment exists risk; If exist, then gather the biological information paying user; If do not exist, then allow to pay.
Wherein, what meet the following conditions is one or more, then judge that carrying out mobile payment exists risk:
When needing the amount of money carrying out mobile payment to exceed default maximum dollar amount, judge that carrying out mobile payment exists risk;
The number of times carrying out mobile payment when the odd-numbered day exceedes the default odd-numbered day when paying maximum number of times, judges that carrying out mobile payment exists risk;
When the total charge that the odd-numbered day carries out mobile payment exceedes the maximum dollar amount of default odd-numbered day payment, judge that carrying out mobile payment exists risk;
When the geographic position that the geographic position paying user place when carrying out mobile payment and the carrying out of presetting pay is inconsistent, judge that carrying out mobile payment exists risk;
When the modes of payments of carrying out mobile payment belongs to default NFC payment, judge that carrying out mobile payment exists risk.
The device of the embodiment of the present invention, by arranging payment risk evaluation model and carrying out identification based on bio-electrical impedance to payment user, effectively raises the security of payment.
Embodiment three,
The embodiment of the present invention provides a kind of terminal, and this terminal adopts the payment mechanism described in embodiment two to carry out mobile payment.
Owing to comprising all the elements of embodiment two and embodiment one in the present embodiment, so terminal described in the present embodiment also has embodiment two and the technique effect described in embodiment one, therefore therefore not to repeat here.
Although be example object, disclose the preferred embodiments of the present invention, it is also possible for those skilled in the art will recognize various improvement, increase and replacement, and therefore, scope of the present invention should be not limited to above-described embodiment.
Claims (9)
1. a method of payment, is characterized in that, comprising:
When carrying out mobile payment, gather the biological information paying user;
When the biological information of the payment user gathered is with the biometric information matches prestored, allow to pay.
2. the method for claim 1, is characterized in that, when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, specifically comprises:
Gather and pay the health of user or the impedance spectrum data of body;
When the impedance spectrum data of one or more users that the described impedance spectrum data fit gathered prestores, both judgements are mated.
3. method as claimed in claim 1 or 2, is characterized in that, before carrying out mobile payment, also comprise:
Judge whether carry out mobile payment exists risk; If exist, then gather the biological information paying user; If do not exist, then allow to pay.
4. method as claimed in claim 3, it is characterized in that, what meet the following conditions is one or more, then judge that carrying out mobile payment exists risk:
When needing the amount of money carrying out mobile payment to exceed default maximum dollar amount, judge that carrying out mobile payment exists risk;
The number of times carrying out mobile payment when the odd-numbered day exceedes the default odd-numbered day when paying maximum number of times, judges that carrying out mobile payment exists risk;
When the total charge that the odd-numbered day carries out mobile payment exceedes the maximum dollar amount of default odd-numbered day payment, judge that carrying out mobile payment exists risk;
When the geographic position that the geographic position paying user place when carrying out mobile payment and the carrying out of presetting pay is inconsistent, judge that carrying out mobile payment exists risk;
When the modes of payments of carrying out mobile payment belongs to default NFC payment, judge that carrying out mobile payment exists risk.
5. a payment mechanism, is characterized in that, comprising:
Collecting biological feature information unit, for when carrying out mobile payment, gathers the biological information paying user;
Storage unit, pays the biological information of user and the biological information of secured user for storage of collected;
Analytic unit, for when biometric information matches with the secured user that prestores of the biological information of the payment user gathered, allows to pay.
6. device as claimed in claim 5, is characterized in that, when biometric information matches with the secured user prestored of the biological information of the payment user gathered, specifically comprises:
Gather and pay the health of user or the impedance spectrum data of body;
When the impedance spectrum data of one or more users that the described impedance spectrum data fit gathered prestores, both judgements are mated.
7. the device as described in claim 5 or 6, is characterized in that, also comprises payment risk judging unit,
Described payment risk judging unit, for judging whether carry out mobile payment exists risk; If exist, then gather the biological information paying user; If do not exist, then allow to pay.
8. method as claimed in claim 7, it is characterized in that, what meet the following conditions is one or more, then judge that carrying out mobile payment exists risk:
When needing the amount of money carrying out mobile payment to exceed default maximum dollar amount, judge that carrying out mobile payment exists risk;
The number of times carrying out mobile payment when the odd-numbered day exceedes the default odd-numbered day when paying maximum number of times, judges that carrying out mobile payment exists risk;
When the total charge that the odd-numbered day carries out mobile payment exceedes the maximum dollar amount of default odd-numbered day payment, judge that carrying out mobile payment exists risk;
When the geographic position that the geographic position paying user place when carrying out mobile payment and the carrying out of presetting pay is inconsistent, judge that carrying out mobile payment exists risk;
When the modes of payments of carrying out mobile payment belongs to default NFC payment, judge that carrying out mobile payment exists risk.
9. a terminal, is characterized in that, the payment mechanism as described in described terminal employing is as any in claim 5-8 carries out mobile payment.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410834449.8A CN104574086A (en) | 2014-12-29 | 2014-12-29 | Payment method, device and terminal |
| PCT/CN2015/077987 WO2016107035A1 (en) | 2014-12-29 | 2015-04-30 | Payment method and device, and terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410834449.8A CN104574086A (en) | 2014-12-29 | 2014-12-29 | Payment method, device and terminal |
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| CN104574086A true CN104574086A (en) | 2015-04-29 |
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| CN201410834449.8A Pending CN104574086A (en) | 2014-12-29 | 2014-12-29 | Payment method, device and terminal |
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| WO (1) | WO2016107035A1 (en) |
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