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Payment method, device and terminal

A payment device and terminal technology, applied in the field of computer communication, can solve the problem of low security of payment methods, and achieve the effect of improving security

Inactive Publication Date: 2015-04-29
YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The technical problem to be solved by the present invention is to provide a payment method, device and terminal to solve the problem of low security of payment methods in the prior art

Method used

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  • Payment method, device and terminal
  • Payment method, device and terminal

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0040] figure 1 It is a flow chart of a payment method according to an embodiment of the present invention; figure 1 As shown, the method includes:

[0041] S101. When it is necessary to make fund payment or account transfer through the mobile terminal, it is necessary to send a payment instruction to the banking financial institution through the mobile terminal. At this time, first determine whether there is a payment risk. If it is determined that there is no risk, then execute S105; if it is determined If there is a risk, execute S102.

[0042] During the specific implementation of this step, it can be judged whether there is a payment risk according to the payment risk judgment strategy, that is, if there is a large amount of payment, the location of the user changes, or the occurrence of NFC payment, etc., it means that the current payment is at risk; for example, when payment is required If the amount is relatively large, exceeding the preset maximum amount of payment,...

Embodiment 2

[0054] figure 2 is a schematic structural diagram of the payment device corresponding to the payment method in Embodiment 1; as figure 2 As shown, the device includes:

[0055] The biological feature information collection unit 201 is used to collect the biological feature information of the payment user when performing mobile payment;

[0056] The storage unit 202 is used to store the biometric information of the payment user and the biometric information of the security user;

[0057] The analysis unit 203 is configured to allow the payment when the collected biometric information of the paying user matches the pre-stored biometric information of the security user.

[0058] Since the electrical impedance spectrum data of body parts has many advantages described in Embodiment 1, in the device in this embodiment, the biometric information collection unit 201 preferably adopts a bioelectrical impedance spectrum measurement device, and uses a bioelectrical impedance spectrum...

Embodiment 3

[0072] An embodiment of the present invention provides a terminal, which uses the payment device described in Embodiment 2 to perform mobile payment.

[0073] Since this embodiment includes all the content of Embodiment 2 and Embodiment 1, the terminal described in this embodiment also has the technical effects described in Embodiment 2 and Embodiment 1, so details are not described here.

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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 [0001] The present invention relates to the field of computer communication, in particular to a payment method, device and terminal Background technique [0002] With the intelligentization of mobile terminals, the functions of mobile terminals are becoming more and more powerful, and fund payment through mobile terminals has been realized, that is, mobile payment. Mobile payment, also known as mobile payment, is a payment method in which users use mobile terminals (such as mobile phones or tablet computers) to pay for the goods or services they consume. Units or individuals directly or indirectly send payment instructions to banking and financial institutions through mobile devices, the Internet or proximity sensing, and then generate currency payment and fund transfer behaviors, thereby realizing the mobile payment function. Mobile payment integrates terminal equipment, the Internet, application providers, and financial institutions to provide users with f...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06F21/32
CPCG06Q20/40
Inventor 夏锦峰张云奎朱攀
Owner YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD