CN109919597A

CN109919597A - Payment information processing method, device, mobile terminal and system

Info

Publication number: CN109919597A
Application number: CN201910105401.6A
Authority: CN
Inventors: 黄亮; 方攀
Original assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Current assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Priority date: 2019-02-01
Filing date: 2019-02-01
Publication date: 2019-06-21
Anticipated expiration: 2039-02-01
Also published as: WO2020156154A1; CN109919597B

Abstract

This application discloses a kind of method for processing payment information, device, electronic equipment and storage mediums, are related to payment technology field.Wherein, this method comprises: mobile terminal determines whether to listen to the meet target data format first broadcast message；If listening to, the payment account of the mobile terminal binding is obtained；The payment account is broadcasted by second, it is bound with indicating that the device identification of the payment account and the payment equipment is sent server by the payment equipment for receiving second broadcast message, the biological information obtained from the payment equipment is made whether to match the payment verification of the payment account for server, improves the safety of payment.

Description

Method for processing payment information, device, mobile terminal and system

Technical field

This application involves e-payment technical fields, more particularly, to a kind of method for processing payment information, device, shifting Dynamic terminal and system.

Background technique

In current social, payment is the behavior of a kind of high frequency, high density, high flow capacity.In order to simplify user in payment link The time of cost occurs a variety of independent of the electronic payment mode paid in cash.But these means of payment all have one Fixed security risk.

Summary of the invention

In view of the above problems, present applicant proposes a kind of method for processing payment information, device, mobile terminal and system, with Improve the above problem.

In a first aspect, the embodiment of the present application provides a kind of method for processing payment information, it is applied to mobile terminal, the side Method comprises determining whether to listen to the meet target data format first broadcast message；If listening to, the mobile terminal is obtained The payment account of binding；The payment account is broadcasted by second, it is wide to receive described second with instruction The payment equipment for broadcasting message sends server for the device identification of the payment account and the payment equipment and binds, The payment for matching the payment account, which is tested, to be made whether to the biological information obtained from the payment equipment for server Card.

Second aspect, the embodiment of the present application provide a kind of method for processing payment information, are applied to payment equipment, the side Method includes: to obtain mobile terminal binding from second broadcast message when the second broadcast message for listening to mobile terminal broadcast Payment account；Obtain the device identification of the payment equipment；Clothes are sent by the payment account and the device identification Business device, to indicate that server binds the payment account and the device identification, for being obtained to from the payment equipment Biological information be made whether to match the payment verification of the payment account.

The third aspect, the embodiment of the present application provide a kind of method for processing payment information, are applied to payment information processing system System pays equipment and server the system comprises mobile terminal, the mobile terminal and the payment equipment respectively with The server is wirelessly connected, which comprises the payment equipment meets target data format according to predeterminated frequency transmission First broadcast message；When mobile terminal listen to it is described meet target data format first broadcast message, obtain the shifting The payment account of dynamic terminal binding, and the payment account is broadcasted by second；When the payment equipment The second broadcast message for listening to mobile terminal broadcast obtains the disbursement account of mobile terminal binding from second broadcast message Number, and the device identification of the payment equipment is obtained, server is sent by the payment account and the device identification；Institute It states server and the payment account and device identification binding is used for payment verification.

Fourth aspect, the embodiment of the present application provide a kind of payment information processing apparatus, are applied to mobile terminal, the dress Setting includes: monitoring module, is used to determine whether to listen to the meet target data format first broadcast message；Account number obtains mould Block, if obtaining the payment account of the mobile terminal binding for listening to；Broadcast module, for leading to the payment account Second is crossed to be broadcasted, with indicate receive it is described second broadcast message payment equipment by the payment account with And the device identification of the payment equipment is sent to server and is bound, and pays what equipment obtained to from described for server Biological information is made whether to match the payment verification of the payment account.

5th aspect, the embodiment of the present application provide a kind of payment information processing apparatus, are applied to payment equipment, the dress Setting includes: account number extraction module, for broadcasting the message when listen to mobile terminal broadcast second, from second broadcast message Obtain the payment account of mobile terminal binding；Identity obtain module can, for obtain it is described payment equipment device identification；It sends Module, for sending server for the payment account and the device identification, to indicate server by the disbursement account Number and the device identification binding, for from it is described payment equipment obtain biological information be made whether described in matching The payment verification of payment account.

6th aspect, the embodiment of the present application provide a kind of electronic equipment, including memory and processor, the storage Device is couple to the processor, the memory store instruction, when executed by the processor, the processor It executes the above-mentioned method applied to mobile terminal or the processor executes the above-mentioned method for being applied to payment equipment.

7th aspect, the embodiment of the present application provides a kind of computer-readable storage medium, described computer-readable Program code is stored in storage medium, said program code can be called by processor and execute the above-mentioned side applied to mobile terminal Method, or execute the above-mentioned method for being applied to payment equipment.

Method for processing payment information, device, mobile terminal and system provided by the embodiments of the present application, payment equipment send full First broadcast message of foot-eye data format, when mobile terminal receives first broadcast message, the branch of available binding The number of paying the bill, and the payment account of the binding is broadcasted by second.It is wide from second received to pay equipment Broadcast middle acquisition payment account, and send server for payment account and device identification, server by the payment account with And the device identification binding, make the user with payment possibility and the equipment identity binding near payment equipment, improves Safety of the user when being paid using biological information by paying equipment.

Detailed description of the invention

In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment Attached drawing is briefly described, it should be apparent that, the drawings in the following description are only some examples of the present application, for For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached Figure.

Fig. 1 shows a kind of interactive schematic diagram of payment information processing system provided by the embodiments of the present application.

Fig. 2 shows a kind of usage scenario figures of payment information processing system provided by the embodiments of the present application.

Fig. 3 shows the flow chart of the method for processing payment information of one embodiment of the application offer.

Fig. 4 shows the flow chart for the method for processing payment information that another embodiment of the application provides.

Fig. 5 shows the flow chart for the method for processing payment information that the another embodiment of the application provides.

Fig. 6 shows the time-state method of method for processing payment information provided by the embodiments of the present application.

Fig. 7 shows the flow chart of the method for processing payment information of the application another embodiment offer.

Fig. 8 shows the flow chart of the method for processing payment information of the application a further embodiment offer.

Fig. 9 shows the functional block diagram of the payment information processing apparatus of one embodiment of the application offer.

Figure 10 shows the functional block diagram for the payment information processing apparatus that another embodiment of the application provides.

Figure 11 shows the structural block diagram of electronic equipment provided by the embodiments of the present application.

Figure 12 is realizing at according to the payment information of the embodiment of the present application for saving or carrying for the embodiment of the present application The storage medium of the program code of reason method.

Specific embodiment

In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described.

With the development of internet technology, the e-payment for being not need to rely on cash increasingly becomes the branch of people's favor The mode of paying.In general, needing user to take out when e-payment and carrying out delivery operation for the electronic product of payment, such as take out mobile phone And recall payment two dimensional code be scanned, take out mobile phone enter barcode scanning interface scanning shop gathering two dimensional code, take out bank card to Cashier is swiped the card by the POS.In these electronic payment process, user need take out for payment electronic product simultaneously Corresponding operation is carried out, entire payment process is than relatively time-consuming.

In order to improve payment speed, shortens the time of payment, can be paid by the biological information of user, such as led to The biological information of unique identification can be carried out to user identity by crossing face, fingerprint, palmmprint and iris of user etc..User In payment, corresponding biological information directly can be provided in the physical characteristics collecting equipment that businessman provides, such as pass through people When face is paid, user provides face for face acquisition equipment acquisition before face acquires equipment, does not need user and additionally takes out hand The equipment for payment such as machine, payment speed faster, operate simpler.

But there is some potential safety problems when being paid by biological information.On the one hand, although biological characteristic Information can carry out unique identification to user identity, but also have minimum probability identification error, such as that the biology of a user is special Reference ceases the biological information for being identified as another user；On the other hand, criminal may imitates other by emulation The biological information of user, personation other users are paid.

According to user to feature of doing shopping under the handling characteristics and line of mobile terminal, inventors have found that if determining user In the case where entering payment equipment nearby, receives the user and buckled by payment equipment offer biological information Money may further determine that the identity characteristic information provided for user, to be further ensured that the safety of payment.Cause This, the process that inventor pays the biological information by user is carefully studied.

Inventors have found that usually biological information is corresponding in the case where being paid by biological information Payment account.When the biological information for getting user, the corresponding payment account of the biological information is matched, from being matched to Payment account withhold.The payment account of biometric information matches can be the payment account bound in mobile terminal, The account number of certain payment application in such as mobile terminal.And user is descended online when doing shopping, it will usually which carrying binding has disbursement account Number mobile terminal.Therefore, it in the case where determining that the mobile terminal of binding payment account is located near payment equipment, connects It receives user and is paid the bill by paying equipment, may further ensure that the safety of the payment.

Therefore, method for processing payment information provided by the embodiments of the present application, device, mobile terminal are inventors herein proposed and is System carry by paying equipment the broadcast of the broadcast message of equipment of itself mark, the mobile end near payment equipment End can receive the broadcast message.Receive the payment application of itself available installation of mobile terminal of broadcast message The payment account of binding, and the payment account is broadcasted.The payment equipment for receiving mobile terminal broadcast message will broadcast Payment account and the device identification of itself in message are sent to server and are bound, so that realizing will be near payment equipment User payment account with payment equipment bind.User is being paid using biological information by paying equipment When, server can verify whether the corresponding payment account of the special information of the biology binds with the payment equipment, realize payment account Whether corresponding mobile terminal is paying the verifying near equipment, and whether the corresponding user of payment account is near payment equipment Verifying, double verification improve the safety of payment.

The method for processing payment information, device and mobile terminal can be used for payment information processing system as shown in Figure 1 100.Referring to Figure 1, which includes mobile terminal 110, pays equipment 120 and server 130, mobile Terminal 110 and the payment equipment 120 are connected to the network with the server 130 respectively.Wherein, payment equipment 120 with it is described It can be wired between server 130 or be wirelessly connected, can be between the mobile terminal 110 and the server 130 It is wirelessly connected, such as the connection of 2G, 3G, 4G mobile network data or wifi connection, as shown in Figure 1 in other words passes through base station 140 and gateway 150 connect server, or by hot spot 160 connect server.

The mobile terminal 110 can be mobile phone, tablet computer and other intelligence that can carry out mobile electronic payment and set It is standby, the payment account that user binds in advance is stored in the mobile terminal.The payment equipment 120 can be with gathering functions And the smart machine that can be carried out message broadcast can be used for acquiring the biological information of user such as the cash register machine in supermarket And it is transferred to server 130, and server 130 is used to complete delivery operation according to the biological information received.In the branch It pays in information processing system, payment equipment 120 can routinely send broadcast message, when mobile terminal 110 is located at payment machine Near tool 120, when entering in the radiation scope of payment equipment broadcast message, it can receive the broadcast that payment equipment is sent and disappear Breath.110 can also send broadcast message in mobile terminal, the payment in the radiation scope that mobile terminal 110 broadcasts the message Equipment can receive the broadcast message of the transmission of mobile terminal 110.

Specifically, payment equipment 120 can send broadcast with the wireless communications mode of setting and disappear in system operation Breath, wherein the covering model of broadcast message transmitted by the characterization payment equipment of virtual coil 121 around equipment 120 is paid in Fig. 1 It encloses.Optionally, which includes bluetooth BLE mode or Wi-Fi Aware mode.Correspondingly, mobile terminal 110 Wireless signal near being searched for the wireless communications mode of setting, thus when mobile terminal 110 enters shown in Fig. 1 When in 121 range of virtual coil, so that it may receive the broadcast message that payment equipment 120 is sent.

Mobile terminal 110 can also be sent with the wireless communications mode of setting and be broadcast the message, wherein mobile terminal in Fig. 1 Virtual coil 111 around 110 characterizes the coverage area of broadcast message transmitted by mobile terminal 110.Optionally, the wireless communication Mode includes bluetooth BLE mode or Wi-Fi Aware mode.Correspondingly, payment equipment 120 can be with the wireless communication of setting Wireless signal near pattern search, thus when payment equipment 120 is located in 111 range of virtual coil shown in Fig. 1, so that it may To receive the broadcast message of the transmission of mobile terminal 110.If also, mobile terminal 110 can receive the broadcast of payment equipment 120 Message, then corresponding, the broadcast message of mobile terminal 110, equipment 120 is also very big can receive for payment.

It is mobile after the broadcast message that mobile terminal 110 can receive that payment equipment 120 is sent as a kind of mode Terminal 110 can be established based on currently employed wireless communications mode with payment equipment 120 and is wirelessly connected, and then establish nothing After line connection, mobile terminal 110 can send the payment account of itself binding to payment equipment 120, and payment equipment 120 obtains Obtain the payment account that mobile terminal is sent.And alternatively mode is moved for the ease of reducing the power consumption of mobile terminal 110 Dynamic terminal can be after receiving the broadcast message that payment equipment 120 is sent, and broadcast carries the wide of the payment account of itself binding Message is broadcast, to allow to pay the payment account that equipment obtains binding in mobile terminal.

Optionally, payment equipment 120, can be by by institute after the payment account for getting the binding of mobile terminal 110 The device identification of itself of the payment account of acquisition and oneself storage is sent to server 130.And when server 130 receives After paying the device identification and payment account that equipment 120 is sent, the device identification and payment account will be bound, It is paid near equipment belonging to the device identification to characterize the owning user of payment account.In turn, when payment equipment 120 exists In payment process, after sending server 130 for the biological information of acquisition, server 130 can be in verifying biological characteristic In the case where the device identification binding of the corresponding payment account of information and the payment equipment, the payment behaviour of the payment account is completed Make.

As shown in Fig. 2, because mobile terminal 110 is carried out in the case where receiving the broadcast message that payment equipment is sent The broadcast of the broadcast message of payment account is carried, payment equipment 120 can be obtained by broadcast message transmitted by mobile terminal 110 The payment account for getting the binding of mobile terminal 110, by the payment account of mobile terminal 110 and payment 120 device identification of equipment It is sent to server to be bound, mobile terminal is operated (for example, mobile terminal in Fig. 2 so that not needing user Can be placed in trouser pocket always), so that it may it completes payment account and pays device identification the tying up in server of equipment 120 Fixed operation.And in payment process, after user only needs to acquire biological information at payment equipment 120, pay equipment 120 The biological information of acquisition can be sent to server 130 and complete payment, and then it is mobile eventually also not need user's operation End, so that user does not need to carry out delivery operation manually in whole process.

It, below will be by specific embodiment to the embodiment of the present application based on system presented hereinbefore and system operational process Method for processing payment information, device, mobile terminal and the system of offer are described in detail.

Fig. 3 shows method for processing payment information provided by the embodiments of the present application, and this method is applied to mobile terminal.Specifically , as shown in figure 3, this method may include:

Step S110: determine whether to listen to the meet target data format first broadcast message.

The broadcast message that mobile terminal can send other equipment is monitored.When mobile terminal enters transmission broadcast When in the radiation scope of the payment equipment of message, the broadcast message of payment equipment transmission can be listened to.Implement in the application In example, the broadcast message that definition payment equipment is sent is the first broadcast message.

Specifically, the first broadcast message that payment equipment is sent can be the broadcast message for meeting target data format, from And when mobile terminal listens to the broadcast message for meeting target data format, it can determine that listen to payment equipment first is wide Broadcast message.

Step S120: if listening to, the payment account of the mobile terminal binding is obtained.

When listen to meet target data format first broadcast message, the disbursement account of the available binding of mobile terminal Number.The payment account can be the payment account that payment application is bound in mobile terminal, be the account number of payment account, to this Payment account is withholdd, then can be withholdd out of the payment account corresponding payment account.

Step S130: the payment account is broadcasted by second, receives described second with instruction The payment equipment of broadcast message sends server for the device identification of the payment account and the payment equipment and ties up It is fixed, the biological information obtained from the payment equipment is made whether to match the payment of the payment account for server Verifying.

Dynamic terminal by payment account by broadcasting, i.e. the mobile terminal broadcast that carries out carrying payment account The broadcast of message.In the embodiment of the present application, the broadcast message for defining mobile terminal broadcast is the second broadcast message.

Mobile terminal broadcasts payment account by second, so that payment equipment be made to can receive shifting Second broadcast message of dynamic terminal broadcast.Mobile terminal can get the payment of mobile terminal binding from the second broadcast message Account number, and the payment account and the device identification of itself are jointly sent to server.Server can be by the disbursement account Number and device identification binding, indicate the corresponding mobile terminal of the payment account the device identification it is corresponding payment equipment it is wide It broadcasts in radiation scope, indicates that the mobile terminal and the payment equipment are not far from one another.When the biology by being obtained from the payment equipment When characteristic information is made whether to correspond to the payment verification of the payment account, more determining can carry out the biological information is the branch The corresponding user of the number of paying the bill provides, and improves the safety of payment.

The embodiment of the present application also provides a kind of method for processing payment information, are applied to payment equipment.Specifically, such as Fig. 4 Shown, which includes:

Step S210: it when the second broadcast message for listening to mobile terminal broadcast, obtains and moves from second broadcast message The payment account of dynamic terminal binding.

Mobile terminal carries out the broadcast of the second broadcast message, the payment equipment in mobile terminal broadcast message radiation scope It can receive the broadcast message of mobile terminal transmission.The payment account including mobile terminal binding in the second broadcast message, Payment equipment can obtain the payment account from the second broadcast message.

Step S220: the device identification of the payment equipment is obtained.

In addition, payment equipment obtains the device identification of itself when the second broadcast message for listening to mobile terminal broadcast, it should Device identification can uniquely indicate the identity of payment equipment.

Step S230: sending server for the payment account and the device identification, to indicate server by institute Payment account and device identification binding are stated, for being made whether to the biological information obtained from the payment equipment Match the payment verification of the payment account.

The device identification of itself and the payment account obtained from the second broadcast message are sent to by payment equipment jointly Server, so that server be made to bind the payment account and device identification that receive from the payment equipment.In payment equipment When receiving biological information input, biological information and equipment of itself mark are sent to server, server can To verify whether the corresponding biological information of identical device identification and payment account match, if so, can be determined that The biological information that equipment is sent is paid, payment can be carried out and withholdd, the safety of payment is improved.

The embodiment of the present application also provides a kind of method for processing payment information, are applied to payment information processing system.Specifically , as shown in Figures 5 and 6, which includes:

Step S310: the payment equipment sends the first broadcast message for meeting target data format according to predeterminated frequency.

Payment equipment can constantly issue the first broadcast message, so as to broadcast the message in radiation scope into the payment equipment Mobile terminal can receive this first broadcast the message and make a response.It is big according to power to pay the broadcast message that equipment is sent Small and current environment is inconsistent, can all influence received range.Usually when mobile terminal enters payment 5 meters to 10 meters models of equipment When enclosing, the first broadcast message that payment equipment is sent can be received.

Wherein, payment equipment, which can be, sends the first broadcast message with predeterminated frequency, and the occurrence of the predeterminated frequency is at this It is not limited in application embodiment, the mobile terminal quick response in any radiation scope into the payment equipment can be made Preferably.

In the embodiment of the present application, the broadcast message that can be low-power consumption connectionless-mode that payment equipment is sent, it is such as logical Cross the beacon signal of low-power consumption Bluetooth communication (BLE, BluetoothLowEnergy) transmission, the broadcast lattice of the Beacon signal Formula can be iBeacon, AltBeacon or EddyStone etc.；The broadcast message such as issued by WiFi Aware.

In addition, payment equipment send can be the broadcast message for meeting target data format so that mobile terminal can be with Correctly recognize the first broadcast message.Wherein, target data format can be, the data in the first broadcast message in preset byte To specify data.The specified data can be pre-set, be known data to payment equipment and mobile terminal, from And it can determine that the broadcast message meets target data format when recognizing specified data.For example, specified data are to indicate to close The data of the payment application identity of method are that the legal payment is answered when recognizing the data in broadcast message in preset byte When with the data of program identity, determine that the broadcast message meets target data format.For another example, specify data for arbitrary data row Column, but the data arrangement is that payment equipment and mobile terminal are jointly known.

As an implementation, which can be pre-set, equal to payment equipment and mobile terminal A certain byte section to be known, in broadcast message.For example, the beacon signal sent includes 31 byte datas, setting Some or multiple specified bytes of UUID data are used as preset byte in the beacon signal, and storage is specified in the preset byte Data directly can be obtained specified data in the preset byte.

As another embodiment, can from it is pre-set, be known to payment equipment and mobile terminal The position of preset byte is stored in specified bytes.For example, for payment equipment and mobile terminal it is found that disappearing in the first broadcast A byte in breath stores the place byte of specified data, can if the data that then a byte is stored in the first broadcast message are b Specified data are got to get data b from a byte, then in the b byte to broadcast the message from first.For another example, transmission Beacon signal includes 31 byte datas, and it includes Data data and Mask number that UUID data in the beacon signal, which are arranged, According to may include the device identification for having equipment, the manufacturer's information of equipment, the corresponding payment application of equipment in Data data Identity data, specified data etc., can be " 0324616C64570247962587864326561612436 such as Data data A0100020003"；Mask data can be used to filter bluetooth by which data in specified byte-identifier Data wide Multicast data, i.e., which byte is specified data in specified byte-identifier Data data.Such as Mask data can be 0000FF FFFFFFFFFFFFFFFFFFFFFFFFFF0000000000000, byte where preceding 4 F are the word for identifying specified Data Position Section, then the corresponding Data data of the corresponding FFFF of preceding 4 F only in Mask, could filter Bluetooth broadcast, i.e., in Data data before The data of the corresponding FFFF byte storage of 4 F are specified data, and only receiving the corresponding data of FFFF byte in Mask is finger Fixed number evidence just thinks to have received the broadcast message for meeting target data format.

In addition, it is optional, in the embodiment of the present application, in the first broadcast message that payment equipment is sent, has and be used for The byte of storage payment plant mark, payment equipment can add the device identification of itself in the byte.Wherein, specifically The device identification which byte is used to store equipment does not limit in the embodiment of the present application.

As an implementation, in the first broadcast message, can with it is pre-set, to payment equipment and movement Terminal is the device identification of known byte storage equipment.

As another embodiment, can it is pre-set, be known to payment equipment and mobile terminal In specified byte, the byte location for storing the device identification of equipment is stored.For example, the A word in the first broadcast message Section stores the device identification position for storing equipment, if the data that then A byte is stored in the first broadcast message are B, Then the data in the B byte of the first broadcast message are the device identification of equipment.

As another embodiment, the device identification and specified data sequence that can also will pay equipment are stored, then from Specified data position is determined in first broadcast message, then the device identification of payment equipment can be determined in the first broadcast message In position；Either, the device identification position that payment equipment is determined from the first broadcast message, then can determine specified Position of the data in broadcast message.

In addition, can also place other information in the first broadcast message, the device identification of equipment, the manufacturer of equipment believe Breath, identity data of the corresponding payment application of equipment etc., location mode of the other information in the first broadcast message can be with Referring to the location mode of aforementioned specified data and the location mode of payment plant mark, details are not described herein.

In the embodiment of the present application, various information can be encryption in the first broadcast message, be also possible to not encrypt, It does not limit in the embodiment of the present application.

Step S320: when mobile terminal listens to first broadcast message for meeting target data format, described in acquisition The payment account of mobile terminal binding, and the payment account is broadcasted by second.

Mobile terminal can open the monitoring to broadcast message, and specific listening mode can be broadcasted according to payment equipment The mode that message is sent determines.For example, movement is eventually if payment equipment sends the first broadcast message by low-power consumption bluetooth communication End can receive the first broadcast message of equipment transmission in such a way that bluetooth module is using low-power consumption bluetooth communication, if payment machine Tool issues the first broadcast message by way of WiFi Aware, mobile terminal can by way of corresponding WiFi Aware into The reception that row first broadcasts the message.

When mobile terminal listens to broadcast message, it can be determined that whether the broadcast message meets target data format, if Meet target data format, then it represents that the broadcast message is the first broadcast message for paying equipment and sending.Specific judgement broadcast disappears The mode whether breath meets target data format can be, and judge whether the data in the broadcast message in preset byte are finger Fixed number evidence.If it is determined that the broadcast message received is to meet the broadcast message of target data format, then it represents that mobile terminal receives The first broadcast message sent to payment equipment, illustrates that mobile terminal is located at payment equipment attachment, mobile terminal can carry out extensively Broadcast the broadcast of message, with to payment equipment feedback information.

Specifically, the payment account of the available binding of mobile terminal, by the payment account by second broadcast the message into Row broadcast.Wherein, the payment account of mobile terminal binding is the account number that mobile terminal can carry out that payment is withholdd.

It is available described mobile whole when obtaining the payment account of the mobile terminal binding in the embodiment of the present application Hold payment account corresponding with first broadcast message in the payment account of binding.

Optionally, if the embodiment of the present application is when implementing, only a kind of payment account of payment application supports this Shen Please embodiment provide method for processing payment information, then obtain in the payment account of mobile terminal binding with it is described first broadcast disappear When ceasing corresponding payment account, the payment account of the payment application in mobile terminal can be directly acquired.For example, there was only branch It pays application program A and supports method for processing payment information provided by the embodiments of the present application, then acquisition for mobile terminal is installed on the movement The payment account of payment application A in terminal.

Optionally, if the embodiment of the present application is when implementing, possible there are many payment accounts of payment application to support this Apply for the method for processing payment information that embodiment provides, different payment applications corresponding first broadcast the message different.Wherein, The difference can be, and the information that corresponding payment application is carried in the first broadcast message of difference is different.Then obtain institute When stating in the payment account of mobile terminal binding with the corresponding payment account of the first broadcast message, if mobile terminal binding The payment account of a variety of payment applications for corresponding to the first broadcast message, according in first broadcast message listened to Indicate that the byte of payment application type determines the corresponding payment account of the broadcast message.For example, payment application A with And payment application W supports the first broadcast message of response to carry out payment information processing respectively, then mobile terminal can be from first Indicate that the byte of payment application type determines that the corresponding payment application of first broadcast message is A in broadcast message Or W.If A, then the payment account of payment application A is obtained；If W, then the disbursement account of payment application W is obtained Number.

Optionally, corresponding first broadcast message of different payment applications is different, is also possible to different payment applications In first broadcast message corresponding to program, specify data different.Then obtain in the payment account of the mobile terminal binding with Described first broadcast the message corresponding payment account when, if a variety of payments for corresponding to the first broadcast message of mobile terminal binding The payment account of application program, obtain listen to first broadcast message middle finger fixed number according to corresponding payment application branch The number of paying the bill.

The payment account that mobile terminal will acquire is broadcasted by second.I.e. mobile terminal is getting branch The number of paying the bill sends and carries the payment account second broadcast message.Wherein, the second broadcast message is also possible to send out with certain frequency It send, specific frequency does not limit in the embodiment of the present application.

Payment equipment in the broadcast message radiation scope of mobile terminal can receive second broadcast message.Its In, the second broadcast message that mobile terminal is sent is inconsistent according to watt level and current environment, can all influence received model It encloses.Usually when paying equipment and being located at 5 meters of mobile terminal to 10 meters of ranges, the second of mobile terminal transmission can be received and broadcasted disappear Breath.The payment equipment of the first broadcast message of broadcast can receive shifting usually in the broadcast message radiation scope of mobile terminal The second broadcast message that dynamic terminal is sent.

In the embodiment of the present application, the second broadcast message is also possible to meet the broadcast message of specified data format, this refers to Determining data format can be identical as the target data format of the first broadcast message, can also be different, enables to pay equipment correctly Recognize second broadcast message.The payment equipment for receiving the second broadcast message can determine second broadcast message In the case where meeting specified data format, the first broadcast message that second broadcast message receives for mobile terminal response is determined It sends, and payment account can be obtained from second broadcast message.

Second broadcast message specified data format setting can with first broadcast message target data format it is identical or It is similar.Specifically, the specified data format can be, the data in broadcast message in preset byte are specified data.This is specified Data can be pre-set, be known data to payment equipment and mobile terminal, so as to recognize finger Fixed number according to when determine that the broadcast message meets specified data format.For example, specified data are to indicate legal payment application The data of identity, when recognizing the data that the data in broadcast message in preset byte are the legal payment application identity When, determine that the broadcast message meets target data format.For another example, specify data for arbitrary data arrangement, but the data arrangement It is jointly known for payment equipment and mobile terminal.It should be understood that the specified data of the specified data and the first broadcast message It can be same or different, set-up mode can be identical or different.The predetermined word of the preset byte and the first broadcast message Section can be same or different, and set-up mode can be identical or different.

As an implementation, second broadcast message in the preset byte can for it is pre-set, to payment machine Tool and mobile terminal are known, a certain byte section in broadcast message.

As another embodiment, in the second broadcast message, can from it is pre-set, to payment equipment and shifting Dynamic terminal is that the position of preset byte is stored in known specified bytes.

In addition, it is optional, in the embodiment of the present application, in the second broadcast message sent in mobile terminal, has and use In the byte of storage payment account, mobile terminal can add the payment account of itself binding of acquisition in the byte.Wherein, Which specific byte does not limit in the embodiment of the present application for storing payment account.

As an implementation, in the second broadcast message, can with it is pre-set, to payment equipment and movement Terminal is known byte storage payment account.

As another embodiment, can it is pre-set, be known to payment equipment and mobile terminal In specified byte, the byte location for storing payment account is stored.For example, the x byte storage in the second broadcast message For storing payment account position, if the data that then x byte is stored in the second broadcast message are y, in the second broadcast Data in the y byte of message are payment account.

As another embodiment, in the second broadcast message, payment account and specified data sequence can also be deposited It puts, then determines specified data position from the second broadcast message, then can determine payment account in the second broadcast message Position；Either, from second broadcast message in determine payment account position, then can determine specified data this second Position in broadcast message.

In addition, other information can also be placed in the second broadcast message, the device identification, payment account such as mobile terminal The identity data etc. of corresponding payment application, location mode of the other information in the second broadcast message may refer to aforementioned The location mode of specified data and the location mode of payment account, details are not described herein.

In the embodiment of the present application, various information can be encryption in the second broadcast message, be also possible to not encrypt, It does not limit in the embodiment of the present application.

In the embodiment of the present application, if mobile terminal determines that the broadcast message listened to does not meet target data format Broadcast message, then can abandon the broadcast message, continue listening broadcast message.

Step S330: when the payment equipment listens to the second broadcast message of mobile terminal broadcast, from second broadcast The payment account of mobile terminal binding is obtained in message, and obtains the device identification of the payment equipment, by the payment account And the device identification is sent to server.

Equipment is paid when the transmission that carry out first broadcasts the message, the monitoring to broadcast message can also be opened, is had The mode that body listening mode can carry out broadcast message transmission according to mobile terminal determines.

When payment equipment listens to broadcast message, need to judge whether the broadcast message is the second of mobile terminal transmission Broadcast message.Specifically, payment equipment may determine that whether the broadcast message meets specified data format.Specific judgement broadcast message Whether satisfaction specifies the mode of data format to can be judge whether the data in the broadcast message in preset byte are specified Data, the preset byte and specified data are respectively the specified corresponding preset byte of data format and specified data.If sentencing Surely the broadcast message received is to meet the broadcast message of specified data format, then can be determined that the broadcast wire message is second wide Broadcast message.

Payment equipment can obtain payment account from the second broadcast message.It is used in specific available second broadcast message Data in the byte of storage payment account, the payment account as acquisition.

Equipment is paid in the case where listening to the second broadcast message, the device identification of itself is obtained, by the device identification And the payment account obtained from the second broadcast message is sent to server, which is the corresponding payment clothes of payment account Business device can be the payment server that payment application is corresponding, only has the affiliated manufacturer of the payment application that could access.

Wherein, payment account can be encrypted and be sent to server by payment equipment, such as be sent to the disbursement account of server Number for a string use the encrypted character strings of RSA asymmetric encryption techniques, enhance safety.In addition, the equipment mark of payment equipment Knowledge is sent to server after can also encrypting.

Certainly, in the embodiment of the present application, the payment account and device identification that payment equipment is sent are also possible to be not added Close, it is not limited in the embodiment of the present application.

If it is the second broadcast message for meeting specified data format that mobile terminal, which determines the broadcast message received not, can To abandon the broadcast message, continue listening broadcast message.

Step S340: the payment account and device identification binding are used for payment verification by the server.

Server binds the payment account received from mobile terminal and device identification, specifically can be by the disbursement account Number and the corresponding storage of device identification.To which, server can be by the payment account and device identification of binding, to from described The biological information that payment equipment obtains is made whether to correspond to the payment verification of the payment account.Specifically, such as Fig. 6 and figure Shown in 7, the embodiment of the present application can also include the following steps, be sent to clothes for obtaining biological information by payment equipment Business device carries out payment verification.

Step S350: payment equipment acquires the biological information of user by physical characteristics collecting equipment, and will be described Biological information and device identification are sent to server.

Specifically, physical characteristics collecting equipment has can be set in payment equipment, for acquiring the biological characteristic of payment verification Information.

When user pay equipment pay when, can payment equipment the biological information of itself be provided, pay Equipment acquires the biological information of user by corresponding physical characteristics collecting equipment, is such as acquired and is used by image capture device Family facial image；The finger print information etc. of user is acquired by fingerprint collecting equipment.Pay equipment by the device identification of itself and Collected biological information is sent to server.Wherein, payment equipment can be using collected raw information as transmission To the biological information of server, server such as is sent by collected facial image, collected fingerprint image is sent out It is sent to server；After payment equipment can also be handled collected raw information, as the biological characteristic for being sent to server Information such as will be sent to server after collected facial image coding, will be sent to clothes after collected fingerprint image coding Business device.

Step S360: the server receives the biological information and device identification that the payment equipment is sent, When determining that the corresponding payment account of same device identification and biological information are mutually matched, to the payment account into Row is withholdd.

When server receives the biological information that payment equipment is sent and device identification, sent according to payment equipment Payment account and device identification verified.Wherein, server can determine respectively correspond biological information and When two identity of payment account are identical, which is also mutually matched with account, then determines to pay equipment The biological information of transmission is legal, passes through payment verification.

For the ease of statement, the device identification for being sent collectively to server with biological information is known as first herein and is set Standby mark, is known as the second device identification for the device identification for being sent collectively to server with payment account.Specifically, for be tested The biological information of card, server determine the first device identification sent together with the biological information by payment equipment, Server can search the second device identification identical with first device identification.Judge that the second device identification found is tied up again Whether fixed payment account matches with the biological information.Wherein, different payment accounts can be previously stored in server Matched biological information indicates the life of the legitimate user of the payment account with the matched biological information of payment account Object characteristic information.When determining the corresponding payment account of same device identification and biometric information matches, then by pair The payment verification of the biological information.

For the biological information by payment verification, server can be to the disbursement account of the biometric information matches It number withholds.Number of specifically withholing can be sent by payment equipment.Optionally, payment equipment is in sending device mark and life Number of withholing can be sent while object characteristic information, be also possible to pass through branch when the biological information that payment equipment is sent Verifying is paid, server passes back through the feedback message of verifying to payment equipment, receives the payment of the feedback message by verifying Equipment, the number that will withhold are sent to server, are withholdd by server.

In the embodiment of the present application, for the accuracy of verifying, reduce user the radiation scope for leaving payment equipment compared with After long-time, still make the biological information of the user by payment verification, server is to the payment account of binding and sets The standby interim storage of mark.Specifically, server deposits the binding information for paying payment account and device identification that equipment is sent Storage predetermined time period after delete so that be sent to server payment account and device identification after predetermined time period not It binds again, it is impossible to be used in payment verification.

In the embodiment of the present application, payment equipment can send the first broadcast message for meeting target data format.It is mobile whole End enter payment equipment broadcast message radiation model in be can listen to meet target data format first broadcast disappear Breath, and send the second broadcast message for carrying payment account.Payment equipment receives the second broadcast message, disappears from second broadcast Payment account is obtained in breath.It pays equipment and sends server for payment account and the device identification of itself, by server pair The device identification and payment account are bound.To which server is in the biological information for receiving payment equipment transmission When, if the biological information is corresponding with the payment account of the mobile terminal in payment equipment broadcast message radiation scope, lead to The payment verification to the biological information is crossed, by payment account, biological information and sends biological information The device identification mutual authentication of equipment is paid, the safety when being paid using biological information by paying equipment is improved Property.

The embodiment of the present application also provides a kind of method for processing payment information, are applied to payment information processing system.With it is preceding It states embodiment to compare, in the embodiment, mobile terminal monitors broadcast message in the case where meeting monitoring condition, reduces The power consumption of mobile terminal.Specifically, as shown in figure 8, this method comprises:

Step S410: the payment equipment sends the first broadcast message for meeting target data format according to predeterminated frequency.

Step S420: mobile terminal judges whether to meet monitoring condition.If so, executing step S430；If it is not, executing step S420。

If mobile terminal is constantly in the listening state of broadcast message, some unnecessary power consumptions can be generated.In order to save Power consumption, the monitoring that can just broadcast the message in the case where determining that mobile terminal meets monitoring condition.

When user due to carrying mobile terminal has the demand paid by payment equipment, usual user is in fortune Dynamic state.Therefore, as an implementation, judge whether the mobile terminal meets monitoring condition and can be, judge institute State whether mobile terminal is kept in motion.Wherein it is possible to pass through the sensor pair of the detection motion state built in mobile terminal The motion state of mobile terminal is detected, such as passes through accelerometer, gyroscope, magnetometer attitude transducer.

If mobile terminal is not installed with corresponding payment application, can not obtain the mobile terminal binding for into The payment account of row payment verification can not also pass through this Shen even if monitoring the first broadcast message for all meeting target data format Please embodiment provide method carry out payment information processing.Therefore, as an implementation, whether judge the mobile terminal Meeting monitoring condition can be, and judge whether the mobile terminal installs the corresponding application program of the payment account.For example, moving Dynamic terminal when receiving the first broadcast message for meeting target data format, acquisition be payment application A disbursement account Number, then determine whether mobile terminal is equipped with payment application A.In addition, in this embodiment, can also further judge Whether payment application A is logged in by user, whether preserves the payment account of user in other words.

In the embodiment of the present application, above-mentioned numerous embodiments can be used as simultaneously judges whether the mobile terminal meets The embodiment of monitoring condition, can also be using part of embodiment as judging whether the mobile terminal meets monitoring item The embodiment of part.When judging whether the mobile terminal meets the embodiment more than one of monitoring condition, if can be The judging result of any of them embodiment be it is no, determine mobile terminal be unsatisfactory for monitoring condition.

In addition, in the embodiment of the present application, mobile terminal judge whether to meet monitoring condition can with certain frequency into Row, also, after determining to meet monitoring condition, it can continue to judge whether to meet monitoring condition.When mobile terminal determines not When meeting monitoring condition, if mobile terminal is in listening state, cease listening for.

Optionally, occur that mobile terminal occurs once in a while in snoop procedure in order to prevent is unsatisfactory for monitoring condition and stops It monitors, for example, user carries mobile terminal in supermarket shopping, is ceased listening for due to temporarily motionless, carried out in mobile terminal In snoop procedure, judge whether that the frequency for meeting monitoring condition can be lower, lower than when mobile terminal does not open monitoring, to being The no determination frequency for meeting monitoring condition.

It should be understood that step S410 and step S420 is executed by different terminal devices, execution each other is simultaneously It does not affect one another.

Step S430: the monitoring that mobile terminal broadcasts the message.

Step S440: when mobile terminal listen to it is described meet target data format first broadcast message, from this first The device identification of payment equipment is obtained in broadcast message.

When meeting monitoring condition, mobile terminal opens the monitoring to broadcast message, so as to listen to payment equipment The first broadcast message issued.Meet the broadcast message of target data format when mobile terminal listens to, it is possible to determine that receive The first broadcast message that equipment is sent is paid, so as to get the equipment mark of payment equipment from first broadcast message Know.The data in byte in specific available first broadcast message for storing payment plant mark, as described Pay the device identification of equipment.

In the embodiment of the present application, the power consumption of mobile terminal can be saved to the monitoring frequency of broadcast message by controlling, Specific frequency of monitoring does not limit in the embodiment of the present application, and such as monitoring in two minutes is primary, it is primary to monitor within five minutes, supervises within ten minutes It listens one inferior.

In addition, it is optional, if what is listened in continuous preset times is include an identical device identification first Broadcast message, or what is listened in continuous preset times is all the first broadcast message of certain several device identification, then will Monitoring frequency reduces；If the device identification that the first broadcast message listened to includes continue to remain some or certain it is several, Continue to reduce and monitors frequency, the minimum monitoring frequency until being reduced to setting.What such as continuous preset times listened to is all packet The first broadcast message of device identification m is included, or what is listened in continuous preset times is all respectively including device identification m and packet The first broadcast message of device identification n is included, then will monitor frequency by original 2 minutes and once be changed to five minutes once.Wherein, frequency The reduction of rate can successively be reduced with each preset frequency level, or be reduced according to the ladder of setting.

Step S450: mobile terminal judges the phase listened within the scope of preset duration whether is stored in the mobile terminal Same device identification.If not stored in the mobile terminal have the identical device identification listened within the scope of preset duration, deposit Store up the device identification and the corresponding timestamp of the device identification, wherein the timestamp indicate that the device identification listens to when Between, execute step S460；The identical device identification is listened to if being stored within the scope of preset duration in the mobile terminal, is lost This first broadcast message listened to and the device identification got are abandoned, step S430 is executed.

Step S460: the payment account of mobile terminal binding described in the acquisition for mobile terminal.

Step S470: the mobile terminal broadcasts the payment account by second.

After acquisition for mobile terminal to the device identification in the first broadcast message, it can be determined that whether be stored in preset time The identical device identification stored in range.For example, preset time range is 10 minutes, then can decide whether in ten minutes Stored identical device identification.If so, indicating to receive what identical payment equipment was sent in preset time range First broadcast message carried out the broadcast of the second broadcast message according to first broadcast message.In order to reduce mobile terminal power consumption, Data processing frequency is reduced, this first broadcast message listened to and the device identification got can be abandoned, continued The monitoring of broadcast message is listening to the first broadcast message, and the device identification of payment equipment is obtained from first broadcast message.

In the embodiment of the present application, the identical equipment is listened to determining to be stored within the scope of preset duration in mobile terminal The step of identifying, the monitoring that mobile terminal broadcasts the message can be executed, or execute to determine whether to listen to and meet target First broadcast message of data format；Or it executes when mobile terminal listens to first broadcast for meeting target data format Message obtains the device identification of payment equipment from first broadcast message.

It, can be by the device identification if mobile terminal is not stored with identical device identification in preset time range The acquisition time storage of the corresponding device identification, and obtain the payment account of mobile terminal binding, and by the payment account It is broadcasted by second.

Specifically, mobile terminal listens to the first broadcast message for meeting target data format for the first time after opening monitoring When, the device identification of the payment equipment in the available broadcast message, and a timestamp is recorded for the device identification.It will Device identification and corresponding timestamp are stored, and obtain the payment account of mobile terminal binding.When mobile terminal is default When the first broadcast message is received in time range again, and getting same device identification from the first broadcast message, by It is stored with the device identification obtained in preset time range in mobile terminal, by the currently obtain first broadcast message and mentions The device identification taken abandons, no longer acquisition payment account.It once again listens for including phase outside preset time range when mobile terminal When broadcasting the message with the first of device identification, since the time of the device identification currently got is relative to the preceding phase once stored With the timestamp of device identification, the time span of difference is greater than preset time range, then the device identification obtained this stores And corresponding storage time stamp.A kind of caching mechanism in this way, reduce obtain payment account frequency, save system load and It the acquisition of meaningless data and reports.

Wherein, the device identification newly stored, can be to the preceding identical device identification once stored and corresponding time Stamp is covered, and is reduced memory space and is occupied.Certainly, the device identification newly stored, can also with it is preceding once store it is identical Device identification storage location is different, opens snoop procedure to the monitoring situation of broadcast message so as to be informed in.

Wherein, timestamp can be the time that the device identification listens to, i.e. time for listening to of the broadcast message；Time Stamp is also possible to obtain the time of device identification from broadcast message.

In the embodiment of the present application, can integrate in mobile terminal the SDK of payment application, payment services unit and Receive the communication unit of broadcast message.Wherein, the SDK of integrated payment application can be the common of mobile terminal and built-in answer With and nonsystematic application, to avoid payment application obtains the permission of system user and causes the security risk of mobile terminal.

Mobile terminal is received broadcast message and is sent and broadcast the message by communication unit, is such as received by bluetooth module Beacon signal and transmission beacon signal.Communication unit takes the received payment being sent in mobile terminal that broadcasts the message Business unit.Payment services unit analyzes broadcast message, judges whether the broadcast message meets target data format First broadcast message obtains device identification and other information of payment equipment etc. from the first broadcast message.Payment application SDK and payment services unit reduced and couple and security risk by broadcast communication.Payment services unit can will be from The information obtained in one broadcast message passes to the SDK, Huo Zhexiang of payment application by way of broadcasting in mobile terminal The SDK transmitting of payment application gets the information etc. of the first broadcast message, completes to report work to the SDK of payment application Make.The SDK of payment application receives the information of payment services unit transmitting, and the payment can be obtained from payment application The payment account is passed to communication unit by the payment account for logging in or binding of application program, so that communication unit passes through the The two broadcasts payment account.

Step S480: when the payment equipment listens to the second broadcast message of mobile terminal broadcast, from second broadcast The payment account of mobile terminal binding is obtained in message, and obtains the device identification of the payment equipment, by the payment account And the device identification is sent to server.

Step S490: the payment account and device identification binding are used for payment verification by server.

, can be cross-referenced with the same or similar step of previous embodiment in the embodiment of the present application, details are not described herein.

In the embodiment of the present application, mobile terminal just monitors broadcast message in the case where meeting monitoring condition, and And interval is greater than the corresponding time span of preset time range, a payment account is obtained, to reduce at mobile terminal data The frequency of reason generates alap power consumption while improving safety of payment.

In addition, if the non-opening network data of mobile terminal, can also broadcast the message by second will in the embodiment of the present application The payment account of binding passes to payment equipment, is sent to server by payment equipment.That is, not opened in mobile terminal In the case where network data, user can also complete to pay by biological information.

The embodiment of the present application also provides a kind of payment information processing apparatus 500, are applied to mobile terminal.Fig. 9 is referred to, The apparatus may include: module 510 is monitored, is used to determine whether to listen to the meet target data format first broadcast message. Account number obtains module 520, if obtaining the mobile terminal for listening to the first broadcast message for meeting target data format and tying up Fixed payment account.Broadcast module 530 is connect for broadcasting the payment account by second with instruction The payment equipment for receiving second broadcast message sends the device identification of the payment account and the payment equipment to Server is bound, and is made whether to match the branch to the biological information obtained from the payment equipment for server The payment verification for the number of paying the bill.

Optionally, account number obtain module 520 can be used for obtaining in the payment account of the mobile terminal binding with it is described The corresponding payment account of first broadcast message.Wherein, if the mobile terminal binding is a kind of can to correspond to the first broadcast message The payment account of payment application obtains the payment account of the payment application；If the mobile terminal binding is a variety of The payment account that the payment application of the first broadcast message can be corresponded to is indicated according in first broadcast message listened to The byte of payment application type determines the corresponding payment account of first broadcast message.

It optionally, can also include monitoring module in the embodiment of the present application, for judging whether the mobile terminal meets Monitoring condition；If satisfied, the monitoring to broadcast the message.

Wherein, monitoring module to judge whether the mobile terminal meets monitoring condition may include: to judge the movement eventually Whether end is kept in motion；Or judge whether the mobile terminal installs the corresponding payment of the payment account using journey Sequence.

It optionally, can also include identifier acquisition module and data memory module in the embodiment of the present application.Mark obtains Module can be used for obtaining payment from first broadcast message when listening to the first broadcast message for meeting target data format The device identification of equipment.If data memory module can be used in the mobile terminal it is not stored have within the scope of preset duration monitor The identical device identification arrived stores the device identification and the corresponding timestamp of the device identification, wherein the timestamp indicates The time that the device identification listens to jumps to account number and obtains the branch that module 520 executes the acquisition mobile terminal binding The number of paying the bill；The identical device identification is listened to if being stored within the scope of preset duration in the mobile terminal, abandons this prison The broadcast message heard and the device identification got, jump to monitor module 510 and execute and described determine whether to listen to satisfaction First broadcast message of target data format.

Optionally, identifier acquisition module may include: judging unit, and whether the first broadcast message for judging to listen to Meet target data format；Data capture unit is if being determined as judging unit, for obtaining first broadcast message In for store payment plant mark byte in data, as it is described pay equipment device identification.

Wherein, judging unit can be used for judging whether the data in first broadcast message in preset byte are specified Data.

The embodiment of the present application also provides a kind of payment information processing apparatus 600, are applied to payment equipment.Wherein, as schemed Shown in 10, which includes: account number extraction module 610, for broadcasting the message when listen to mobile terminal broadcast second, from this The payment account of mobile terminal binding is obtained in second broadcast message；Identity obtains module 620, for obtaining the payment equipment Device identification；Sending module 630, for sending server for the payment account and the device identification, with instruction Server binds the payment account and the device identification, for believing the biological characteristic obtained from the payment equipment Breath is made whether to match the payment verification of the payment account.

Optionally, which can also include broadcast module, full for sending according to predeterminated frequency Foot-eye data format first broadcast message, with indicate mobile terminal listen to meet target data format first broadcast disappear When breath, the payment account of binding is carried out to the broadcast of the second broadcast message.

Optionally, which can also include information acquisition module, for being adopted by biological characteristic Collect the biological information of equipment acquisition user；Sending module 630 can be also used for the biological information and equipment Mark is sent to server, to indicate that the server is determining that same device identification corresponds to the payment account and biology is special When reference breath is mutually matched, withhold to the payment account.

It is apparent to those skilled in the art that for convenience and simplicity of description, foregoing description device and The specific work process of module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.

In several embodiments provided herein, the mutual coupling of module can be electrical property, mechanical or other The coupling of form.

It, can also be in addition, can integrate in a processing module in each functional module in each embodiment of the application It is that modules physically exist alone, can also be integrated in two or more modules in a module.Above-mentioned integrated mould Block both can take the form of hardware realization, can also be realized in the form of software function module.

Figure 11 is please referred to, it illustrates the structural block diagrams of a kind of electronic equipment 700 provided by the embodiments of the present application.The electronics Equipment 700 can be the mobile end that mobile phone, tablet computer, e-book etc. are able to carry out broadcast message reception and data processing End, such as can be mobile terminal 110 as shown in Figures 1 and 2.In addition, the electronic equipment 700 is also possible to pay equipment 120。

The electronic equipment includes processor 710 and memory 720, and the memory is couple to the processor, described Memory store instruction, when executed by the processor, the processor execute said one or multiple implementations Method described in example.

Processor 710 may include one or more processing core.Processor 710 is whole using various interfaces and connection Various pieces in a electronic equipment 700, by run or execute the instruction being stored in memory 720, program, code set or Instruction set, and the data being stored in memory 720 are called, execute the various functions and processing data of electronic equipment 700.It can Selection of land, processor 710 can use Digital Signal Processing (Digital Signal Processing, DSP), field-programmable Gate array (Field-Programmable Gate Array, FPGA), programmable logic array (Programmable Logic Array, PLA) at least one of example, in hardware realize.Processor 710 can integrating central processor (Central Processing Unit, CPU), in image processor (Graphics Processing Unit, GPU) and modem etc. One or more of combinations.Wherein, the main processing operation system of CPU, user interface and application program etc.；GPU is for being responsible for Show the rendering and drafting of content；Modem is for handling wireless communication.It is understood that above-mentioned modem It can not be integrated into processor 710, be realized separately through one piece of communication chip.

Memory 720 may include random access memory (Random Access Memory, RAM), also may include read-only Memory (Read-Only Memory).Memory 720 can be used for store instruction, program, code, code set or instruction set, such as Instruction or code set for realizing method for processing payment information provided by the embodiments of the present application.Memory 720 may include storage Program area and storage data area, wherein storing program area can store the instruction for realizing operating system, for realizing at least one The instruction of a function, for realizing instruction of above-mentioned each embodiment of the method etc..Storage data area can be made with electronic equipment With middle created data (such as phone directory, audio, video data, chat record data) etc..

Figure 12 is please referred to, it illustrates a kind of structural frames of computer readable storage medium provided by the embodiments of the present application Figure.Program code is stored in the computer readable storage medium 800, said program code can call execution above-mentioned by processor Method described in embodiment of the method.

Computer readable storage medium 800 can be such as flash memory, EEPROM (electrically erasable programmable read-only memory), The electronic memory of EPROM, hard disk or ROM etc.Optionally, computer readable storage medium 800 includes non-volatile meter Calculation machine readable medium (non-transitory computer-readable storage medium).Computer-readable storage Medium 800 has the memory space for the program code 810 for executing any method and step in the above method.These program codes can With from reading or be written in one or more computer program product in this one or more computer program product. Program code 810 can for example be compressed in a suitable form.

Finally, it should be noted that above embodiments are only to illustrate the technical solution of the application, rather than its limitations；Although The application is described in detail with reference to the foregoing embodiments, those skilled in the art are when understanding: it still can be with It modifies the technical solutions described in the foregoing embodiments or equivalent replacement of some of the technical features；And These are modified or replaceed, do not drive corresponding technical solution essence be detached from each embodiment technical solution of the application spirit and Range.

Claims

1. a kind of method for processing payment information, which is characterized in that be applied to mobile terminal, which comprises

Determine whether to listen to the meet target data format first broadcast message；

If listening to, the payment account of the mobile terminal binding is obtained；

The payment account is broadcasted by second, to indicate to receive the payment of second broadcast message Equipment sends server for the device identification of the payment account and the payment equipment and binds, and is used for server pair The biological information obtained from the payment equipment is made whether to match the payment verification of the payment account.

2. the method according to claim 1, wherein the broadcast message for determining whether to listen to equipment broadcast Before, comprising:

Judge whether the mobile terminal meets monitoring condition；

If satisfied, the monitoring to broadcast the message.

3. according to the method described in claim 2, it is characterized in that, described judge whether the mobile terminal meets monitoring item Part, comprising:

Judge whether the mobile terminal is kept in motion；Or

Judge whether the mobile terminal installs the corresponding application program of the payment account.

4. the method according to claim 1, wherein the payment account for obtaining the mobile terminal binding it Before, further includes:

When listening to the first broadcast message for meeting target data format, setting for payment equipment is obtained from first broadcast message Standby mark；

If not stored in the mobile terminal have the identical device identification listened within the scope of preset duration, the equipment mark is stored Know and the corresponding timestamp of the device identification, wherein the timestamp indicates the time that the device identification listens to, described in execution The step of obtaining the payment account of the mobile terminal binding；

The identical device identification is listened to if being stored within the scope of preset duration in the mobile terminal, this is abandoned and listens to The first broadcast message and the device identification that gets, determine whether to listen to described in execution and meet the first of target data format The step of broadcast message.

5. according to the method described in claim 4, it is characterized in that, described meet the first wide of target data format when listening to Message is broadcast, the device identification of payment equipment is obtained from first broadcast message, comprising:

Judge whether the listen to first broadcast message meets target data format；

If so, the data in the byte in first broadcast message for storing payment plant mark are obtained, as institute State the device identification of payment equipment.

6. according to the method described in claim 5, it is characterized in that, described judge whether the listen to first broadcast message meets Target data format includes:

Judge whether the data in first broadcast message in preset byte are specified data.

7. the method according to claim 1, wherein the payment account for obtaining the mobile terminal binding, Include:

Obtain payment account corresponding with first broadcast message in the payment account of the mobile terminal binding.

8. the method according to the description of claim 7 is characterized in that in the payment account for obtaining the mobile terminal binding Payment account corresponding with first broadcast message, comprising:

If a kind of payment account for the payment application that can correspond to first broadcast message of the mobile terminal binding, obtaining should The payment account of payment application；

If the mobile terminal binding payment account of a variety of payment applications for corresponding to the first broadcast message, according to prison Indicate that the byte of payment application type determines that first broadcast message is corresponding in first broadcast message heard Payment account.

9. the method according to claim 1, wherein first broadcast message and second broadcast message For the beacon signal for communicating (BLE, BluetoothLowEnergy) transmission by low-power consumption bluetooth, or pass through WiFi The broadcast message that Aware is issued.

10. a kind of method for processing payment information, which is characterized in that be applied to payment equipment, which comprises

When the second broadcast message for listening to mobile terminal broadcast, the branch of mobile terminal binding is obtained from second broadcast message The number of paying the bill；

Obtain the device identification of the payment equipment；

Send server for the payment account and the device identification, with indicate server by the payment account and The device identification binding, for being made whether to match the disbursement account to the biological information obtained from the payment equipment Number payment verification.

11. according to the method described in claim 10, it is characterized in that, described when the second broadcast for listening to mobile terminal broadcast Message, before the payment account for obtaining mobile terminal binding in second broadcast message, further includes:

The first broadcast message for meeting target data format is sent according to predeterminated frequency, meets mesh to indicate that mobile terminal listens to When marking the first broadcast message of data format, the payment account of binding is carried out to the broadcast of the second broadcast message.

12. according to the method described in claim 10, it is characterized in that, the method also includes:

The biological information of user is acquired by physical characteristics collecting equipment；

Server is sent by the biological information and device identification, to indicate that the server is determining same equipment When the corresponding payment account of mark and biological information are mutually matched, withhold to the payment account.

13. a kind of method for processing payment information, which is characterized in that be applied to payment information processing system, the system comprises shiftings Dynamic terminal, pays equipment and server, the mobile terminal and the payment equipment wirelessly connect with the server respectively It connects, which comprises

The payment equipment sends the first broadcast message for meeting target data format according to predeterminated frequency；

When mobile terminal listen to it is described meet target data format first broadcast message, obtain the mobile terminal binding Payment account, and the payment account is broadcasted by second；

It broadcasts the message when the payment equipment listens to the second of mobile terminal broadcast, obtains movement from second broadcast message The payment account of terminal binding, and the device identification of the payment equipment is obtained, by the payment account and the equipment mark Knowledge is sent to server；

The payment account and device identification binding are used for payment verification by the server.

14. according to the method for claim 13, which is characterized in that the method also includes:

The payment equipment acquires the biological information of user by physical characteristics collecting equipment, and the biological characteristic is believed Breath and device identification are sent to server；

The server receives the biological information and device identification that the payment equipment is sent, and is determining same equipment mark Know corresponding payment account and when biological information is mutually matched, withholds to the payment account.

15. a kind of payment information processing apparatus, which is characterized in that be applied to mobile terminal, described device includes:

Module is monitored, is used to determine whether to listen to the meet target data format first broadcast message；

Account number obtains module, if obtaining the payment account of the mobile terminal binding for listening to；

Broadcast module receives described second for broadcasting the payment account by second with instruction The payment equipment of broadcast message sends server for the device identification of the payment account and the payment equipment and ties up It is fixed, the biological information obtained from the payment equipment is made whether to match the payment of the payment account for server Verifying.

16. a kind of payment information processing apparatus, which is characterized in that be applied to payment equipment, described device includes:

Account number extraction module, for being obtained from second broadcast message when the second broadcast message for listening to mobile terminal broadcast Take the payment account of mobile terminal binding；

Identity obtains module, for obtaining the device identification of the payment equipment；

Sending module, for sending server for the payment account and the device identification, to indicate server by institute Payment account and device identification binding are stated, for being made whether to the biological information obtained from the payment equipment Match the payment verification of the payment account.

17. a kind of electronic equipment, which is characterized in that including memory and processor, the memory is couple to the processing Device, the memory store instruction, when executed by the processor, the processor execute such as claim 1- 9 described in any item methods；Or execute such as the described in any item methods of claim 10-12.

18. a kind of computer-readable storage medium, which is characterized in that be stored with journey in the computer-readable storage medium Sequence code, said program code can be called by processor and execute such as the described in any item methods of claim 1-9；Or it executes as weighed Benefit requires the described in any item methods of 10-12.