CN109711850B

CN109711850B - Secure payment method, device and computer readable storage medium

Info

Publication number: CN109711850B
Application number: CN201811647496.6A
Authority: CN
Inventors: 龙浩
Original assignee: Nubia Technology Co Ltd
Current assignee: Nubia Technology Co Ltd
Priority date: 2018-12-29
Filing date: 2018-12-29
Publication date: 2023-12-08
Anticipated expiration: 2038-12-29
Also published as: CN109711850A

Abstract

The invention discloses a secure payment method, a device and a computer readable storage medium, wherein the method comprises the following steps: acquiring a payment code image through a code scanning instruction, and detecting a current payment environment according to the code scanning instruction; then, generating a payment interface by combining the payment code image and the payment environment, and inputting payment amount through the payment interface; then, acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment; and finally, starting an application program corresponding to the payment account by the background, executing face recognition verification in the payment interface, and if the face recognition verification is passed, confirming and responding to the payment demand by the application program. The humanized safe payment scheme is realized, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Description

Secure payment method, device and computer readable storage medium

Technical Field

The present invention relates to the field of mobile communications, and in particular, to a secure payment method, apparatus, and computer readable storage medium.

Background

In the prior art, along with the rapid development of intelligent terminal equipment, the situation that a user performs code scanning payment on a payment code through the terminal equipment is more and more common. However, in the prior art, the code scanning payment is complicated, firstly, the user opens the code scanning, then, a payment interface is obtained, the amount to be paid is input in the payment interface, then, a payment program is selected, the user clicks to confirm, identity verification is performed, if the verification is passed, the payment is executed, as can be known from the payment flow, the code scanning payment scheme in the prior art is complicated in operation, and particularly, under the condition of poor learning ability of the elderly and the like, any one of the steps is wrong, the payment cannot be completed, and the user experience is poor.

Disclosure of Invention

In order to solve the technical defects in the prior art, the invention provides a safe payment method, which comprises the following steps:

acquiring a payment code image through a code scanning instruction, and detecting a current payment environment according to the code scanning instruction;

generating a payment interface by combining the payment code image and the payment environment, and inputting payment amount through the payment interface;

acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment;

And starting an application program corresponding to the payment account by the background, executing face recognition verification in the payment interface, and if the face recognition verification is passed, confirming and responding to the payment demand through the application program.

Optionally, the acquiring the payment code image through the code scanning instruction, and detecting the current payment environment according to the code scanning instruction includes:

acquiring the payment code image through a code scanning instruction, and identifying a payment program corresponding to the payment code image;

and detecting the current payment environment according to the code scanning instruction, wherein the payment environment comprises a payment time interval, a payment place and a payment object.

Optionally, the generating a payment interface by combining the payment code image and the payment environment, and entering the payment amount through the payment interface includes:

generating the payment interface according to the payment program, the payment time interval, the payment place and the payment object;

and inputting payment amount through the payment interface.

Optionally, the acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment, includes:

detecting and acquiring the payment fingerprint;

Identifying a fingerprint type and a fingerprint identity of the payment fingerprint;

and determining a corresponding payment account according to the fingerprint identity, and simultaneously determining the payment condition of the payment account by combining the fingerprint type and the payment environment.

Optionally, the background starts an application program corresponding to the payment account, performs face recognition verification in the payment interface, and if the face recognition verification passes, confirms and responds to a payment demand through the application program, including:

the background starts the application program to generate a payment demand;

and judging whether the payment requirement meets the payment condition, if so, executing face recognition verification in the payment interface, and if so, confirming and responding to the payment requirement through the application program.

The invention also proposes a secure payment device comprising a memory, a processor and a computer program stored on said memory and executable on said processor, said computer program realizing when executed by said processor:

Optionally, the computer program is implemented when executed by the processor:

and inputting payment amount through the payment interface.

Optionally, the computer program is implemented when executed by the processor:

detecting and acquiring the payment fingerprint;

Determining a corresponding payment account according to the fingerprint identity, and simultaneously determining a payment condition of the payment account by combining the fingerprint type and the payment environment;

the background starts the application program to generate a payment demand;

The invention also proposes a computer readable storage medium having stored thereon a secure payment program which, when executed by a processor, implements the steps of the secure payment method as described in any of the preceding claims.

The safe payment method, the safe payment equipment and the computer readable storage medium are implemented, a payment code image is obtained through a code scanning instruction, and the current payment environment is detected according to the code scanning instruction; then, generating a payment interface by combining the payment code image and the payment environment, and inputting payment amount through the payment interface; then, acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment; and finally, starting an application program corresponding to the payment account by the background, executing face recognition verification in the payment interface, and if the face recognition verification is passed, confirming and responding to the payment demand by the application program. The humanized safe payment scheme is realized, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Drawings

The invention will be further described with reference to the accompanying drawings and examples, in which:

fig. 1 is a schematic diagram of a hardware structure of a mobile terminal according to the present invention;

fig. 2 is a schematic diagram of a communication network system according to an embodiment of the present invention;

FIG. 3 is a flow chart of a first embodiment of the secure payment method of the present invention;

FIG. 4 is a flow chart of a second embodiment of the secure payment method of the present invention;

FIG. 5 is a flow chart of a third embodiment of the secure payment method of the present invention;

FIG. 6 is a flow chart of a fourth embodiment of the secure payment method of the present invention;

fig. 7 is a flowchart of a fifth embodiment of the secure payment method of the present invention.

Detailed Description

It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.

In the following description, suffixes such as "module", "component", or "unit" for representing elements are used only for facilitating the description of the present invention, and have no specific meaning per se. Thus, "module," "component," or "unit" may be used in combination.

The terminal may be implemented in various forms. For example, the terminals described in the present invention may include mobile terminals such as cell phones, tablet computers, notebook computers, palm computers, personal digital assistants (Personal Digital Assistant, PDA), portable media players (Portable Media Player, PMP), navigation devices, wearable devices, smart bracelets, pedometers, and fixed terminals such as digital TVs, desktop computers, and the like.

The following description will be given taking a mobile terminal as an example, and those skilled in the art will understand that the configuration according to the embodiment of the present invention can be applied to a fixed type terminal in addition to elements particularly used for a moving purpose.

Referring to fig. 1, which is a schematic diagram of a hardware structure of a mobile terminal implementing various embodiments of the present invention, the mobile terminal 100 may include: an RF (Radio Frequency) unit 101, a WiFi module 102, an audio output unit 103, an a/V (audio/video) input unit 104, a sensor 105, a display unit 106, a user input unit 107, an interface unit 108, a memory 109, a processor 110, and a power supply 111. Those skilled in the art will appreciate that the mobile terminal structure shown in fig. 1 is not limiting of the mobile terminal and that the mobile terminal may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.

The following describes the components of the mobile terminal in detail with reference to fig. 1:

the radio frequency unit 101 may be used for receiving and transmitting signals during the information receiving or communication process, specifically, after receiving downlink information of the base station, processing the downlink information by the processor 110; and, the uplink data is transmitted to the base station. Typically, the radio frequency unit 101 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 101 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to GSM (Global System of Mobile communication, global System for Mobile communications), GPRS (General Packet Radio Service ), CDMA2000 (Code Division Multiple Access, CDMA 2000), WCDMA (Wideband Code Division Multiple Access ), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access, time Division synchronous code Division multiple Access), FDD-LTE (Frequency Division Duplexing-Long Term Evolution, frequency Division Duplex Long term evolution), and TDD-LTE (Time Division Duplexing-Long Term Evolution, time Division Duplex Long term evolution), etc.

WiFi belongs to a short-distance wireless transmission technology, and a mobile terminal can help a user to send and receive e-mails, browse web pages, access streaming media and the like through the WiFi module 102, so that wireless broadband Internet access is provided for the user. Although fig. 1 shows a WiFi module 102, it is understood that it does not belong to the necessary constitution of a mobile terminal, and can be omitted entirely as required within a range that does not change the essence of the invention.

The audio output unit 103 may convert audio data received by the radio frequency unit 101 or the WiFi module 102 or stored in the memory 109 into an audio signal and output as sound when the mobile terminal 100 is in a call signal reception mode, a talk mode, a recording mode, a voice recognition mode, a broadcast reception mode, or the like. Also, the audio output unit 103 may also provide audio output (e.g., a call signal reception sound, a message reception sound, etc.) related to a specific function performed by the mobile terminal 100. The audio output unit 103 may include a speaker, a buzzer, and the like.

The a/V input unit 104 is used to receive an audio or video signal. The a/V input unit 104 may include a graphics processor (Graphics Processing Unit, GPU) 1041 and a microphone 1042, the graphics processor 1041 processing image data of still pictures or video obtained by an image capturing device (e.g., a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 106. The image frames processed by the graphics processor 1041 may be stored in the memory 109 (or other storage medium) or transmitted via the radio frequency unit 101 or the WiFi module 102. The microphone 1042 can receive sound (audio data) via the microphone 1042 in a phone call mode, a recording mode, a voice recognition mode, and the like, and can process such sound into audio data. The processed audio (voice) data may be converted into a format output that can be transmitted to the mobile communication base station via the radio frequency unit 101 in the case of a telephone call mode. The microphone 1042 may implement various types of noise cancellation (or suppression) algorithms to cancel (or suppress) noise or interference generated in the course of receiving and transmitting the audio signal.

The mobile terminal 100 also includes at least one sensor 105, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor and a proximity sensor, wherein the ambient light sensor can adjust the brightness of the display panel 1061 according to the brightness of ambient light, and the proximity sensor can turn off the display panel 1061 and/or the backlight when the mobile terminal 100 moves to the ear. As one of the motion sensors, the accelerometer sensor can detect the acceleration in all directions (generally three axes), and can detect the gravity and direction when stationary, and can be used for applications of recognizing the gesture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer gesture calibration), vibration recognition related functions (such as pedometer and knocking), and the like; as for other sensors such as fingerprint sensors, pressure sensors, iris sensors, molecular sensors, gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc. that may also be configured in the mobile phone, the detailed description thereof will be omitted.

The display unit 106 is used to display information input by a user or information provided to the user. The display unit 106 may include a display panel 1061, and the display panel 1061 may be configured in the form of a liquid crystal display (Liquid Crystal Display, LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 107 may be used to receive input numeric or character information and to generate key signal inputs related to user settings and function control of the mobile terminal. In particular, the user input unit 107 may include a touch panel 1071 and other input devices 1072. The touch panel 1071, also referred to as a touch screen, may collect touch operations thereon or thereabout by a user (e.g., operations of the user on the touch panel 1071 or thereabout by using any suitable object or accessory such as a finger, a stylus, etc.) and drive the corresponding connection device according to a predetermined program. The touch panel 1071 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch azimuth of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch detection device, converts it into touch point coordinates, and sends the touch point coordinates to the processor 110, and can receive and execute commands sent from the processor 110. Further, the touch panel 1071 may be implemented in various types such as resistive, capacitive, infrared, and surface acoustic wave. The user input unit 107 may include other input devices 1072 in addition to the touch panel 1071. In particular, other input devices 1072 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, mouse, joystick, etc., as specifically not limited herein.

Further, the touch panel 1071 may overlay the display panel 1061, and when the touch panel 1071 detects a touch operation thereon or thereabout, the touch panel 1071 is transferred to the processor 110 to determine the type of touch event, and then the processor 110 provides a corresponding visual output on the display panel 1061 according to the type of touch event. Although in fig. 1, the touch panel 1071 and the display panel 1061 are two independent components for implementing the input and output functions of the mobile terminal, in some embodiments, the touch panel 1071 may be integrated with the display panel 1061 to implement the input and output functions of the mobile terminal, which is not limited herein.

The interface unit 108 serves as an interface through which at least one external device can be connected with the mobile terminal 100. For example, the external devices may include a wired or wireless headset port, an external power (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 108 may be used to receive input (e.g., data information, power, etc.) from an external device and transmit the received input to one or more elements within the mobile terminal 100 or may be used to transmit data between the mobile terminal 100 and an external device.

Memory 109 may be used to store software programs as well as various data. The memory 109 may mainly include a storage program area that may store an operating system, application programs required for at least one function (such as a sound playing function, an image playing function, etc.), and a storage data area; the storage data area may store data (such as audio data, phonebook, etc.) created according to the use of the handset, etc. In addition, memory 109 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device.

The processor 110 is a control center of the mobile terminal, connects various parts of the entire mobile terminal using various interfaces and lines, and performs various functions of the mobile terminal and processes data by running or executing software programs and/or modules stored in the memory 109 and calling data stored in the memory 109, thereby performing overall monitoring of the mobile terminal. Processor 110 may include one or more processing units; preferably, the processor 110 may integrate an application processor that primarily handles operating systems, user interfaces, applications, etc., with a modem processor that primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.

The mobile terminal 100 may further include a power source 111 (e.g., a battery) for supplying power to the respective components, and preferably, the power source 111 may be logically connected to the processor 110 through a power management system, so as to perform functions of managing charging, discharging, and power consumption management through the power management system.

Although not shown in fig. 1, the mobile terminal 100 may further include a bluetooth module or the like, which is not described herein.

In order to facilitate understanding of the embodiments of the present invention, a communication network system on which the mobile terminal of the present invention is based will be described below.

Referring to fig. 2, fig. 2 is a schematic diagram of a communication network system according to an embodiment of the present invention, where the communication network system is an LTE system of a general mobile communication technology, and the LTE system includes a UE (User Equipment) 201, an e-UTRAN (Evolved UMTS Terrestrial Radio Access Network ) 202, an epc (Evolved Packet Core, evolved packet core) 203, and an IP service 204 of an operator that are sequentially connected in communication.

Specifically, the UE201 may be the terminal 100 described above, and will not be described herein.

The E-UTRAN202 includes eNodeB2021 and other eNodeB2022, etc. The eNodeB2021 may be connected with other eNodeB2022 by a backhaul (e.g., an X2 interface), the eNodeB2021 is connected to the EPC203, and the eNodeB2021 may provide access from the UE201 to the EPC 203.

EPC203 may include MME (Mobility Management Entity ) 2031, hss (Home Subscriber Server, home subscriber server) 2032, other MMEs 2033, SGW (Serving Gate Way) 2034, pgw (PDN Gate Way) 2035 and PCRF (Policy and Charging Rules Function, policy and tariff function entity) 2036, and so on. The MME2031 is a control node that handles signaling between the UE201 and EPC203, providing bearer and connection management. HSS2032 is used to provide registers to manage functions such as home location registers (not shown) and to hold user specific information about service characteristics, data rates, etc. All user data may be sent through SGW2034 and PGW2035 may provide IP address allocation and other functions for UE201, PCRF2036 is a policy and charging control policy decision point for traffic data flows and IP bearer resources, which selects and provides available policy and charging control decisions for a policy and charging enforcement function (not shown).

IP services 204 may include the internet, intranets, IMS (IP Multimedia Subsystem ), or other IP services, etc.

Although the LTE system is described above as an example, it should be understood by those skilled in the art that the present invention is not limited to LTE systems, but may be applied to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA, and future new network systems.

Based on the above mobile terminal hardware structure and the communication network system, various embodiments of the method of the present invention are provided.

Example 1

Fig. 3 is a flow chart of a first embodiment of the secure payment method of the present invention. A secure payment method, the method comprising:

s1, acquiring a payment code image through a code scanning instruction, and detecting a current payment environment according to the code scanning instruction;

s2, generating a payment interface by combining the payment code image and the payment environment, and inputting payment amount through the payment interface;

s3, acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment;

s4, starting an application program corresponding to the payment account in the background, executing face recognition verification in the payment interface, and if the face recognition verification is passed, confirming and responding to the payment demand through the application program.

In this embodiment, firstly, a payment code image is obtained through a code scanning instruction, and a current payment environment is detected according to the code scanning instruction; then, generating a payment interface by combining the payment code image and the payment environment, and inputting payment amount through the payment interface; then, acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment; and finally, starting an application program corresponding to the payment account by the background, executing face recognition verification in the payment interface, and if the face recognition verification is passed, confirming and responding to the payment demand by the application program.

Specifically, in this embodiment, first, a payment code image is acquired through a code scanning instruction, and a current payment environment is detected according to the code scanning instruction. In the prior art, a user scans a payment code through a terminal device, then obtains a payment interface, inputs an amount to be paid in the payment interface, then selects a payment program, clicks for confirmation, performs identity verification, and executes the payment if the verification is passed. Specifically, firstly, the code scanning instruction is used for acquiring the code image, and it can be understood that the code image of the scheme comprises code images corresponding to various payment ways, then, the current payment environment is acquired, and the embodiment provides the payment condition corresponding to the current payment environment through the pre-determination of the payment environment, so that the situation of incorrect payment is avoided.

Specifically, in this embodiment, a payment interface is generated by combining the payment code image and the payment environment, and a payment amount is input through the payment interface, where a payment route corresponding to the payment code is identified, and then a payment interface corresponding to the payment route is generated, which can be understood that in the prior art, the payment interface does not embody the payment route, but needs to be popped up after a user verifies a fingerprint or verifies a face, and in order to simplify this process, the payment route is displayed and marked in a preset area in the payment interface, so that the user knows the payment route to be adopted in advance, and it can be understood that the payment route can be one or more, if the payment route is multiple, the payment route is correspondingly displayed, and the payment route is in a state to be determined.

Specifically, in this embodiment, a payment fingerprint is obtained in the payment interface, and at the same time, a corresponding payment account is determined according to the payment fingerprint and the payment environment. In this embodiment, unlike the prior art that needs to jump to the payment verification interface, in this embodiment, fingerprint information is directly obtained in the payment interface in the previous step, that is, the payment route corresponding to the fingerprint is determined through the fingerprint information, and optionally, the corresponding payment route is selected according to different finger fingerprints of the user.

Specifically, in this embodiment, the background starts an application program corresponding to the payment account, performs face recognition verification in the payment interface, and if the face recognition verification passes, confirms and responds to the payment demand through the application program. Similarly, unlike the prior art, the present embodiment needs to jump to the corresponding payment procedure and perform corresponding fingerprint or face verification, in this embodiment, the present embodiment also remains in the payment interface, after the corresponding payment paths are determined through the payment information, the selected payment paths are displayed in the multiple payment paths of the payment interface, and then the face recognition corresponding to the payment paths is invoked in the background, so as to complete the payment verification of the payment paths.

The method has the advantages that the code scanning instruction is used for acquiring the payment code image, and the current payment environment is detected according to the code scanning instruction; then, generating a payment interface by combining the payment code image and the payment environment, and inputting payment amount through the payment interface; then, acquiring a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment; and finally, starting an application program corresponding to the payment account by the background, executing face recognition verification in the payment interface, and if the face recognition verification is passed, confirming and responding to the payment demand by the application program. The humanized safe payment scheme is realized, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Example two

Fig. 4 is a flowchart of a second embodiment of the secure payment method according to the present invention, based on the above embodiment, the method for acquiring a payment code image by a code scanning instruction, and detecting a current payment environment according to the code scanning instruction includes:

s11, acquiring the payment code image through a code scanning instruction, and identifying a payment program corresponding to the payment code image;

and S12, detecting the current payment environment according to the code scanning instruction, wherein the payment environment comprises a payment time interval, a payment place and a payment object.

In this embodiment, first, the payment code image is acquired through a code scanning instruction, and a payment program corresponding to the payment code image is identified; and then, detecting the current payment environment according to the code scanning instruction, wherein the payment environment comprises a payment time interval, a payment place and a payment object.

Optionally, the payment time interval refers to a time interval between a previous payment time and a current time of each payment route in the terminal device;

optionally, the payment location refers to a payment location of a maximum probability of each payment route in the terminal device;

optionally, the payment object refers to a historical payment object of each payment route within the terminal device.

The embodiment has the advantages that the code scanning instruction is used for acquiring the payment code image, and the payment program corresponding to the payment code image is identified; and then, detecting the current payment environment according to the code scanning instruction, wherein the payment environment comprises a payment time interval, a payment place and a payment object. The method realizes a more humanized safe payment scheme, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Example III

Fig. 5 is a flowchart of a third embodiment of the secure payment method according to the present invention, based on the above embodiment, the generating a payment interface by combining the payment code image and the payment environment, and entering a payment amount through the payment interface includes:

S21, generating the payment interface according to the payment program, the payment time interval, the payment place and the payment object;

s22, inputting payment amount through the payment interface.

In this embodiment, first, the payment interface is generated according to the payment program, the payment time interval, the payment place, and the payment object; then, a payment amount is entered through the payment interface.

Optionally, the payment interface is generated according to the payment program, the payment time interval, the payment place and the payment object, wherein the payment time corresponding to each payment route, the corresponding payment place and the payment object are displayed in the payment interface, and meanwhile, a payment amount input frame is displayed in the payment interface.

The beneficial effects of this embodiment are that the payment interface is generated by the payment procedure, payment time interval, the payment location and the payment object; then, a payment amount is entered through the payment interface. The method realizes a more humanized safe payment scheme, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Example IV

Fig. 6 is a flowchart of a fourth embodiment of the secure payment method according to the present invention, based on the above embodiment, the obtaining a payment fingerprint in the payment interface, and determining a corresponding payment account according to the payment fingerprint and the payment environment, includes:

s31, detecting and acquiring the payment fingerprint;

s32, identifying the fingerprint type and the fingerprint identity of the payment fingerprint;

S33, determining a corresponding payment account according to the fingerprint identity, and simultaneously determining the payment condition of the payment account by combining the fingerprint type and the payment environment.

In this embodiment, first, the payment fingerprint is detected and acquired; then, identifying the fingerprint type and the fingerprint identity of the payment fingerprint; and finally, determining a corresponding payment account according to the fingerprint identity, and simultaneously determining the payment condition of the payment account by combining the fingerprint type and the payment environment.

Optionally, identifying the fingerprint type and the fingerprint identity of the payment fingerprint, wherein the fingerprint type refers to ten finger fingerprint types of a user, and the fingerprint identity refers to the user to which the fingerprint belongs, that is, the scheme is suitable for the condition of multi-user login;

Optionally, determining a corresponding payment account according to the fingerprint identity, and simultaneously determining a payment condition of the payment account in combination with the fingerprint type and the payment environment, that is, determining a corresponding payment condition according to a payment time, a payment place and a matching state of a payment object and a current environment, wherein the payment condition comprises a payment allowance, a limitation of a payment user identity, a limitation of a payment route and the like.

The embodiment has the beneficial effects that the payment fingerprint is detected and acquired; then, identifying the fingerprint type and the fingerprint identity of the payment fingerprint; and finally, determining a corresponding payment account according to the fingerprint identity, and simultaneously determining the payment condition of the payment account by combining the fingerprint type and the payment environment. The method realizes a more humanized safe payment scheme, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Example five

Fig. 7 is a flowchart of a fifth embodiment of the secure payment method according to the present invention, based on the above embodiment, the background starts an application corresponding to the payment account, and performs face recognition verification in the payment interface, and if the face recognition verification passes, the application confirms and responds to a payment requirement, including:

S41, starting the application program in the background to generate a payment demand;

s42, judging whether the payment requirement meets the payment condition, if so, executing face recognition verification in the payment interface, and if so, confirming and responding to the payment requirement through the application program.

In this embodiment, first, the application is started in the background to generate a payment demand; and then judging whether the payment requirement meets the payment condition, if so, executing face recognition verification in the payment interface, and if so, confirming and responding to the payment requirement through the application program.

Optionally, it is determined whether the payment requirement meets the payment condition, specifically, whether the current payment requirement meets the payment condition described above, that is, whether the payment limit, the limitation of the identity of the payment user, and the limitation of the payment route are met.

The method has the advantages that the application program is started in the background to generate payment requirements; and then judging whether the payment requirement meets the payment condition, if so, executing face recognition verification in the payment interface, and if so, confirming and responding to the payment requirement through the application program. The method realizes a more humanized safe payment scheme, so that the steps of a user in the code scanning payment process are more simplified and clear, the occurrence of the condition of payment interruption or incorrect payment is avoided, and the user experience is enhanced.

Example six

Based on the above embodiments, the present invention also proposes a secure payment apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the computer program realizing when executed by the processor:

Example seven

Based on the above embodiments, the computer program when executed by the processor implements:

Example eight

and inputting payment amount through the payment interface.

Example nine

detecting and acquiring the payment fingerprint;

the background starts the application program to generate a payment demand;

In this embodiment, the method further includes, first, starting the application program in the background to generate a payment requirement; and then judging whether the payment requirement meets the payment condition, if so, executing face recognition verification in the payment interface, and if so, confirming and responding to the payment requirement through the application program.

Examples ten

Based on the above embodiments, the present invention also proposes a computer readable storage medium having stored thereon a secure payment program which, when executed by a processor, implements the steps of the secure payment method as described in any of the above.

It should be noted that, in this document, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.

The embodiments of the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those having ordinary skill in the art without departing from the spirit of the present invention and the scope of the claims, which are to be protected by the present invention.

Claims

1. A secure payment method, the method comprising:

the background starts an application program corresponding to the payment account, face recognition verification is executed in the payment interface, and if the face recognition verification is passed, the application program confirms and responds to the payment demand;

the code scanning instruction is used for acquiring a payment code image, and detecting the current payment environment according to the code scanning instruction, and the method comprises the following steps:

detecting a current payment environment according to the code scanning instruction, wherein the payment environment comprises a payment time interval, a payment place and a payment object;

wherein,

the payment time interval is the time interval between the previous payment time and the current time of each payment route in the terminal equipment;

the payment location is the most probable payment location of each payment route within the terminal device;

the payment object is a historical payment object of each payment route in the terminal equipment;

the generation of a payment interface by combining the payment code image and the payment environment, and the entry of the payment amount through the payment interface comprises the following steps:

generating the payment interface according to the payment program, the payment time interval, the payment place and the payment object, and inputting payment amount through the payment interface;

wherein,

displaying and marking the payment time corresponding to each payment route, the corresponding payment place and the corresponding payment object in a preset area in the payment interface, and displaying that the plurality of payment routes are in a state to be determined if the plurality of payment routes are;

Displaying the corresponding payment time, the corresponding payment place and the corresponding payment object of each payment route in the payment interface, and simultaneously displaying a payment amount input frame in the payment interface;

the obtaining the payment fingerprint in the payment interface, and determining the corresponding payment account according to the payment fingerprint and the payment environment at the same time, includes:

detecting and acquiring the payment fingerprint;

wherein,

the fingerprint type is the fingerprint type of the user, and the fingerprint identity is the user to which the fingerprint belongs;

and determining the corresponding payment condition according to the payment time, the payment place and the matching state of the payment object and the current environment, wherein the payment condition comprises a payment allowance, a definition of the identity of a payment user and a payment route.

2. The secure payment method of claim 1, wherein the background starts an application corresponding to the payment account and performs face recognition verification in the payment interface, and if passed, the application confirms and responds to a payment demand, comprising:

The background starts the application program to generate a payment demand;

3. A secure payment device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the computer program implementing, when executed by the processor:

wherein,

detecting and acquiring the payment fingerprint;

wherein,

4. A secure payment device as claimed in claim 3, wherein the computer program when executed by the processor implements:

The background starts the application program to generate a payment demand;

5. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a secure payment program, which when executed by a processor, implements the steps of the secure payment method according to claim 1 or 2.