CN111127027A - Payment method based on human body chip, system and storage medium - Google Patents
Payment method based on human body chip, system and storage medium Download PDFInfo
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- CN111127027A CN111127027A CN201911308076.XA CN201911308076A CN111127027A CN 111127027 A CN111127027 A CN 111127027A CN 201911308076 A CN201911308076 A CN 201911308076A CN 111127027 A CN111127027 A CN 111127027A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q20/4014—Identity check for transactions
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Abstract
The embodiment of the application discloses a payment method based on a human body chip, the human body chip, a system and a storage medium, wherein the method is applied to a payment system based on the human body chip; the payment system comprises a first human body chip and a second human body chip; the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user; the method comprises the following steps: the first human body chip sends a payment instruction to the second human body chip, wherein the payment instruction comprises payment amount and first user information; the second human body chip verifies the first user information; and under the condition that the first user information passes the verification, the second human body chip executes payment operation corresponding to the payment amount. The embodiment of the application can improve the convenience of payment.
Description
Technical Field
The application relates to the technical field of communication, in particular to a payment method based on a human body chip, the human body chip, a system and a storage medium.
Background
With the widespread use of mobile terminals (such as mobile phones, tablet computers, and the like), the applications that the mobile terminals can support are increasing, and the functions are becoming more and more powerful, and becoming indispensable electronic products in the life of users.
In life, mobile payment becomes an indispensable thing in life of people. The current payment mode, no matter pay treasured or believe a little, mainly sweeps code recognition through the camera and pays, needs the user to input biological information or payment password, needs the user initiative input information, and the convenience is lower.
Disclosure of Invention
The embodiment of the application provides a payment method based on a human body chip, the human body chip, a system and a storage medium, payment can be achieved through the human body chip, and convenience of payment is improved.
In a first aspect, an embodiment of the present application provides a payment method based on a human body chip, where the method is applied to a payment system, and the payment system includes a first human body chip and a second human body chip; the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user; the method comprises the following steps:
the first human body chip sends a payment instruction to the second human body chip, wherein the payment instruction comprises payment amount and first user information;
the second human body chip verifies the first user information;
and under the condition that the first user information passes the verification, the second human body chip executes the payment operation corresponding to the payment amount.
In a second aspect, an embodiment of the present application provides a payment system based on a body chip, including a first body chip and a second body chip; the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user;
the first human body chip is used for sending a payment instruction to the second human body chip, and the payment instruction comprises payment amount and first user information;
the second human body chip is used for verifying the first user information;
the second human body chip is further used for executing payment operation corresponding to the payment amount under the condition that the first user information passes verification.
In a third aspect, an embodiment of the present application provides a body chip, including:
the payment processing device comprises a receiving unit, a payment processing unit and a payment processing unit, wherein the receiving unit is used for receiving a payment instruction sent by a first human body chip, and the payment instruction comprises payment amount and first user information;
the verification unit is used for verifying the first user information;
and the processing unit is used for executing payment operation corresponding to the payment amount under the condition that the first user information passes the verification.
In a fourth aspect, embodiments of the present application provide a body chip, including a processor, and a memory, where the memory is configured to store one or more programs, where the one or more programs are configured to be executed by the processor, and where the program includes instructions for performing some or all of the steps performed by the first body chip in the first aspect of the embodiments of the present application.
In a fifth aspect, embodiments of the present application provide a body chip, including a processor, and a memory, where the memory is configured to store one or more programs, where the one or more programs are configured to be executed by the processor, and where the program includes instructions for performing some or all of the steps performed by the second body chip in the first aspect of the embodiments of the present application.
In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for electronic data exchange, where the computer program causes a computer to execute instructions of some or all of the steps performed by the first body chip or the second body chip in the first aspect of the embodiment of the present application.
In a seventh aspect, this application provides a computer program product, where the computer program product includes a non-transitory computer-readable storage medium storing a computer program, where the computer program is operable to cause a computer to execute some or all of the steps performed by the first body chip or the second body chip in the first aspect of this application. The computer program product may be a software installation package.
It can be seen that the payment method in the embodiment of the application is applied to a payment system, and the payment system includes a first human body chip and a second human body chip; the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user; the first human body chip sends a payment instruction to the second human body chip, wherein the payment instruction comprises payment amount and first user information; the second human body chip verifies the first user information; and under the condition that the first user information passes the verification, the second human body chip executes payment operation corresponding to the payment amount. The embodiment of the application can send the payment instruction to the second human body chip through the first human body chip under the condition that the first user does not make physical contact with the second user, and the second human body chip executes the payment operation corresponding to the payment amount under the condition that the first user information in the payment instruction passes verification, so that the payment operation can be realized through the human body chip without inputting biological information (such as fingerprints, human faces, irises and the like) or payment passwords, and the convenience of payment is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a payment system based on a body chip according to an embodiment of the present application;
FIG. 2 is a schematic flow chart of a payment method based on a body chip disclosed in an embodiment of the present application;
FIG. 3 is a schematic flow chart of another payment method based on a human body chip disclosed in the embodiments of the present application
FIG. 4 is a schematic flow chart of another payment method based on a body chip disclosed in the embodiments of the present application;
FIG. 5 is a schematic flow chart of another payment method based on a body chip disclosed in the embodiments of the present application;
FIG. 6 is a schematic structural diagram of a first body chip disclosed in an embodiment of the present application;
FIG. 7 is a schematic structural diagram of a second body chip disclosed in an embodiment of the present application;
fig. 8 is a schematic structural diagram of a human body chip disclosed in an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present invention better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," and the like in the description and claims of the present invention and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
The human body chip related to the embodiment of the application can comprise a processor, a memory and a transceiver, wherein the human body chip can realize a short-distance wireless communication function, and the human body chip can also comprise various sensors (such as a temperature sensor, a blood fat detection sensor, a blood sugar detection sensor, a blood pressure detection sensor, a blood temperature detection sensor and the like) which can realize cooperation with a human body.
The following describes embodiments of the present application in detail.
Referring to fig. 1, fig. 1 is a schematic structural diagram of a body-chip-based payment system according to an embodiment of the present disclosure, and as shown in fig. 1, the body-chip-based payment system 100 may include a first chip 11 and a second chip 12, the first body chip being embedded in a first user 10, and the second body chip being embedded in a second user 20;
the first human body chip 11 is used for sending a payment instruction to the second human body chip 12, wherein the payment instruction comprises payment amount and first user information;
a second body chip 12 for verifying the first user information;
the second body chip 12 is further configured to perform a payment operation corresponding to the payment amount if the first user information is verified.
In the embodiment of the present application, the first body chip 11 and the second body chip 12 may be connected through a low power wireless communication network. The payment instructions may include payment instructions or payment instructions. The payment operation may include a collection operation or a payment operation.
Wherein the first body chip 11 may be bound with at least one first account, and the first body chip 11 may deposit money to the first account or withdraw money from the first account. The second biochip 12 may be bound to at least one second account, and the second biochip 12 may deposit money to or withdraw money from the second account. When the payment instruction is a payment instruction, the second body chip 12 performs a payment operation. Specifically, the second body chip 12 sends the account number of the second account to the first body chip 11, and the first body chip 11 extracts the payment amount from the first account and transfers the payment amount from the first account to the second account. When the payment instruction is a payment instruction, the second body chip 12 performs a payment operation. Specifically, the second body chip 12 acquires an account number of the first account from the first body chip 11, and the second body chip 12 extracts the payment amount from the second account and transfers the payment amount from the second account to the first account.
According to the embodiment of the application, the payment instruction can be sent to the second human body chip through the first human body chip under the condition that the first user and the second user are not in physical contact, the second human body chip executes the payment operation corresponding to the payment amount under the condition that the first user information in the payment instruction is verified, the payment operation can be realized through the human body chip, biological information or payment passwords do not need to be input, and the convenience of payment is improved.
Referring to fig. 2, fig. 2 is a schematic flowchart of a payment method based on a body chip according to an embodiment of the present application, where the method may be applied to the payment system based on a body chip shown in fig. 1. As shown in fig. 2, the body-chip-based payment method includes the following steps.
And 201, the first human body chip sends a payment instruction to the second human body chip, wherein the payment instruction comprises payment amount and first user information.
In the embodiment of the application, the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user. The payment instructions may include payment instructions or payment instructions. The payment amount may include a collection amount or a payment amount.
The first user information may include a first user identification, the first user identification being an identification of the first user.
The first user information may further include at least one of first environmental parameter information where the first user is located, current physiological parameter information of the first user, and current geographic position information of the first body chip.
The first environmental parameter information of the first user includes environmental parameter information such as an environmental temperature, an environmental humidity, an environmental light intensity and the like of the first user. The first human body chip can be directly connected with the temperature and humidity sensor and the optical sensor in a wireless communication mode. The first human body chip can also establish wireless communication connection with a first intelligent wearable device (such as an intelligent bracelet, an intelligent head, intelligent glasses and the like) worn on a first user, and the first intelligent wearable device can be integrated with a temperature and humidity sensor and an optical sensor. The temperature and humidity sensor is used for detecting the ambient temperature and the ambient humidity, and the optical sensor is used for detecting the intensity (unit, lux) of the ambient light.
The current physiological parameter information of the first user may include a heart rate, a blood pressure, a blood lipid, a blood glucose, a blood temperature, etc. of the first user. Wherein, first human chip can integrate heart rate detection sensor, blood lipid detection sensor, blood glucose detection sensor, blood pressure detection sensor, blood temperature detection sensor etc.. The heart rate detection sensor is used for detecting the heart rate of the first user, the blood fat detection sensor is used for detecting the blood fat of the first user, the blood sugar detection sensor is used for detecting the blood sugar of the first user, the blood pressure detection sensor is used for detecting the blood pressure of the first user, and the blood temperature detection sensor is used for detecting the blood temperature of the first user.
The current geographical location information of the first body chip may include geographical latitude information and geographical longitude information where the first body chip is currently located. The first body chip may integrate a Global Positioning System (GPS) module, and the GPS module is configured to obtain geographic latitude information and geographic longitude information of the first body chip at the present location.
Optionally, before performing step 201, the first human body chip may detect whether the first user generates a preset action through a sensor (e.g., a gyroscope sensor, an acceleration sensor, a gravity sensor, etc. on a smart band or a smart headband). If the predetermined action is generated, step 201 is executed. The preset action can be an action of shaking the arm, a nodding action and the like.
202, the second body chip verifies the first user information.
In this embodiment of the application, the first user information may include a first user identifier, and the first human body chip may verify whether the first user identifier belongs to a set of trusted user identifiers maintained by the second human body chip, and if so, determine that the first user information passes the verification.
The set of trusted user identifications maintained by the second body chip may be determined by a historical payment record of the second body chip, and the second body chip may place the user identifications in the historical payment record into the set of trusted user identifications. The second body chip may be bound to a second user device (e.g., a mobile phone), and the second user device may manage a set of trusted user identifiers maintained by the second body chip, and may allow operations such as deleting and adding elements (i.e., user identifiers) of the set of trusted user identifiers.
Optionally, the first user information includes a first user identifier, first environmental parameter information where the first user is located, current physiological parameter information of the first user, and current geographic position information of the first body chip; step 202 may include the steps of:
the second body chip acquires the current geographic position information of the second body chip and acquires second environment parameter information of a second user;
the second human body chip verifies whether the first user identification belongs to a trust user identification set maintained by the second human body chip; verifying whether the matching degree of the first environmental parameter information and the second environmental parameter information is greater than a first threshold value; verifying whether the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than a second threshold value or not, and verifying whether the current physiological parameter information of the first user falls into a physiological parameter range corresponding to the first user identification or not;
if the first user identifier belongs to a trusted user identifier set maintained by the second body chip, the matching degree of the first environment parameter information and the second environment parameter information is greater than a first threshold, the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than a second threshold, the current physiological parameter information of the first user falls into a physiological parameter range corresponding to the first user identifier, and the second body chip determines that the first user information passes verification.
In this embodiment of the application, the first environmental parameter information includes an environmental temperature, an environmental humidity, an environmental light intensity, and the like of the first user. The second environment parameter information includes an environment temperature, an environment humidity, an environment light intensity, and the like of the second user. The second human body chip verifies whether the matching degree of the first environmental parameter information and the second environmental parameter information is greater than a first threshold value, and specifically comprises the following steps: the second human body chip verifies whether the difference value between the ambient temperature of the first user and the ambient temperature of the second user is smaller than a preset temperature threshold value or not; the second human body chip verifies whether the difference value between the environment humidity of the first user and the environment humidity of the second user is smaller than a preset humidity threshold value or not; and the second human body chip verifies whether the difference value of the intensity of the ambient light of the first user and the intensity of the ambient light of the second user is smaller than a preset light intensity threshold value. If the difference value between the ambient temperature of the first user and the ambient temperature of the second user is smaller than a preset temperature threshold value; the second human body chip verifies that the difference value between the environment humidity of the first user and the environment humidity of the second user is smaller than a preset humidity threshold value; and the second human body chip verifies that the difference value of the intensity of the ambient light of the first user and the intensity of the ambient light of the second user is smaller than a preset light intensity threshold value, and determines that the matching degree of the first environmental parameter information and the second environmental parameter information is larger than a first threshold value.
The preset temperature threshold, the preset humidity threshold, and the preset light intensity threshold may be preset and stored in a memory (e.g., a non-volatile memory) of the second body chip.
The current geographical location information of the first body chip may include a geographical latitude and a geographical longitude at which the first body chip is currently located. The current geographical location information of the second body chip may include a geographical latitude and a geographical longitude at which the second body chip is currently located. The specific steps of the second body chip verifying whether the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than a second threshold value are as follows: the second body chip verifies the latitude similarity between the current geographic latitude of the first body chip and the current geographic latitude of the second body chip, verifies the longitude similarity between the current geographic longitude of the first body chip and the current geographic longitude of the second body chip, and obtains the matching degree between the current geographic position information of the first body chip and the current geographic position information of the second body chip based on the latitude similarity and the longitude similarity. The latitude similarity is S1 ═ 1- | L1-L2|/(L1+ L2), and the longitude similarity is S2 ═ 1- | m1-m2|/(m1+ m 2). The matching degree P is (S1+ S2)/2. L1 is the current geographical latitude of the first monolithic chip, L2 is the current geographical latitude of the first monolithic chip, m1 is the current geographical longitude of the first monolithic chip, and m2 is the current geographical longitude of the first monolithic chip. The value of P is 0-1, generally speaking, the closer the matching degree P is to 1, the higher the matching degree is, the closer the matching degree P is to 0, and the lower the matching degree is. For example, the second threshold may be set to 0.9.
The current physiological parameter information of the first user may include a current heart rate, a current blood pressure, a current blood lipid, a current blood glucose, a current blood temperature, and the like of the first user. The physiological parameter range corresponding to the first user identifier may be determined based on historical physiological parameter information of the first user in historical first user information sent by the first body chip to the second body chip in the historical payment records of the first body chip and the second body chip. The physiological parameter range corresponding to the first user identifier may include a heart rate range, a blood pressure range, a blood lipid range, a blood glucose range, and a blood temperature range of the first user. For example, the historical physiological parameter information of the first user includes heart rates of N first users, blood pressures of N first users, blood lipids of N first users, blood sugar of N first users, and blood temperatures of N first users. The upper limit value in the heart rate range of the first user is larger than or equal to the maximum value in the heart rates of the N first users, and the lower limit value in the heart rate range of the first user is smaller than or equal to the minimum value in the heart rates of the N first users. The upper limit value in the blood pressure range of the first user is larger than or equal to the maximum value in the blood pressures of the N first users, and the lower limit value in the blood pressure range of the first user is smaller than or equal to the minimum value in the blood pressures of the N first users. The upper limit value in the blood lipid range of the first user is greater than or equal to the maximum value in the blood lipids of the N first users, and the lower limit value in the blood lipid range of the first user is less than or equal to the minimum value in the blood lipids of the N first users. The upper limit value in the blood sugar range of the first user is larger than or equal to the maximum value in the blood sugar of the N first users, and the lower limit value in the blood sugar range of the first user is smaller than or equal to the minimum value in the blood sugar of the N first users. The upper limit value in the blood temperature range of the first user is greater than or equal to the maximum value of the blood temperatures of the N first users, and the lower limit value in the blood temperature range of the first user is less than or equal to the minimum value of the blood temperatures of the N first users. If the current heart rate of the first user falls within the heart rate range of the first user, the current blood pressure of the first user falls within the blood pressure range of the first user, the current blood fat of the first user falls within the blood fat range of the first user, the current blood sugar of the first user falls within the blood sugar range of the first user, and the current blood temperature of the first user falls within the blood temperature range of the first user, it is determined that the current physiological parameter information of the first user falls within the physiological parameter range corresponding to the first user identification.
According to the embodiment of the application, the first user identification in the first user information, the first environment parameter information where the first user is located, the current physiological parameter information of the first user and the current geographic position information of the first human body chip are verified respectively, and only under the condition that the parameters pass authentication, the payment operation is executed, so that the payment safety can be improved, and the payment safety problem caused after the first human body chip is stolen by other users is avoided.
And 203, in the case that the first user information is verified, the second body chip performs a payment operation corresponding to the payment amount.
In an embodiment of the application, the first human body chip may bind at least one first account, and the first human body chip may deposit money to the first account or withdraw money from the first account. The second biochip may bind at least one second account, and the second biochip may deposit money to the second account or withdraw money from the second account.
And when the payment instruction is a payment instruction, the second human body chip executes payment operation. The second human body chip executes payment operation corresponding to the payment amount, specifically: the second body chip sends the account number of the second account to the first body chip, and the first body chip extracts the payment amount from the first account and transfers the payment amount from the first account to the second account.
And when the payment instruction is a payment instruction, the second human body chip executes payment operation. The second human body chip executes payment operation corresponding to the payment amount, specifically: the second body chip acquires the account number of the first account from the first body chip, extracts the payment amount from the second account, and transfers the payment amount from the second account to the first account.
Optionally, the second body chip refuses to perform the payment operation corresponding to the payment amount and opens a communication connection with the first body chip segment when the first user information is not verified. For the payment instruction sent by the untrusted user, the communication connection can be actively disconnected in order to avoid property loss, and the payment safety can be improved.
Referring to fig. 3, fig. 3 is a schematic flow chart of another payment method based on a body chip according to an embodiment of the present application, which can be applied to the payment system based on a body chip shown in fig. 1. As shown in fig. 3, the body-chip-based payment method includes the following steps.
301, the first human body chip searches for a communicable human body chip in the vicinity, and establishes communication connection with the communicable human body chip.
In this embodiment, the first human body chip may search a communicable human body chip near a preset frequency band, where the preset frequency band may be a 2.4G frequency band or a 5G frequency band. The first body chip and the communicable body chip both use the same communication protocol (e.g., WiFi/IEEE 802.11 protocol, Mesh/IEEE 802.11s protocol, bluetooth/IEEE 802.15.1 protocol, ZigBee/802.15.4 protocol, Thread/IEEE 802.15.4 protocol, etc.). The first human body chip can periodically search other communicable human body chips in a preset frequency band. After the first human body chip searches for other communicable human body chips, communication connection can be established with the communicable human body chips. The first body chip and the communicable body chip may be low-power wireless communication devices.
302, the first body chip acquires a user identification of a user in which the communicable body chip is implanted from the communicable body chip.
After the first body chip establishes communication connection with the searched communicable body chip, the first body chip may acquire a user identifier of the user into which the communicable body chip is implanted from the communicable body chip.
303, if the user identifier of the user implanted with the communicable body chip does not belong to the communicable set of the first body chip, the first body chip verifies the user identifier of the user implanted with the communicable body chip, and after the verification is passed, the first body chip establishes a corresponding relationship between the user identifier of the user implanted with the communicable body chip and stores the corresponding relationship in the communicable set.
In an embodiment of the application, the first body chip may verify a user identifier of a user into which the communicable body chip is implanted. Specifically, the first body chip may send a user identifier of a user, which can be implanted by the body chip capable of communicating, to the first user equipment bound to the first body chip for verification, and after the first user equipment is successfully verified, the first user equipment sends a notification message that the verification is passed to the first body chip, and after the first user equipment is failed to be verified, the first user equipment sends a notification message that the verification is failed to the first body chip.
Wherein the communicable set is a set of authenticated user identifications maintained by the first body chip.
Alternatively, if the user identifier of the user into which the communicable body chip is implanted belongs to a communicable set of the first body chip, step 304 is performed.
304, the first body chip sends the user identification in the communicable set to the first user equipment.
The first user equipment is bound with the first body chip, the first user may be a mobile device (for example, a mobile phone) carried by the first user, and the first user may know the communication condition of the first body chip through the first user equipment and may manage a communicable set maintained by the first body chip through the first user equipment. The first user equipment can delete, add and the like the user identification in the communicable set maintained by the first human body chip.
The first user device receives 305 a payment request selected by the first user for a second user identification, the second user identification being one of a communicable set.
And 306, the first user equipment sends a payment request to the first personal chip implanted into the first user, wherein the payment request carries the payment amount and the second user identification.
307, the first body chip determines a second body chip corresponding to the second user identification.
In an embodiment of the application, the payment request may be initiated by the first user to the second user on the first user device. For example, after the first body chip sends the user identifier in the communicable set to the first user equipment, the first user equipment may display the user identifier in the communicable set in the display interface, and the user may select a second user identifier from the user identifier in the communicable set displayed in the display interface of the first user equipment through touch operation and initiate a payment request to the second user identifier. After the first user equipment receives the payment request, the first user equipment sends the payment request to a first human body chip implanted in the first user, and the payment request carries payment amount which can be negotiated in advance between the first user and the second user or set according to a preset transaction rule, which is not limited herein. The first human body chip can determine a second human body chip corresponding to the second user identification according to the second user identification carried by the payment request, and sends a payment instruction to the second human body chip.
308, the first body chip sends a payment instruction to the second body chip, the payment instruction includes a payment amount and the first user information.
309, the second body chip verifies the first user information.
And 310, in case that the first user information is verified, the second body chip performs a payment operation corresponding to the payment amount.
The specific implementation of steps 308 to 310 may refer to steps 201 to 203 shown in fig. 2, which are not described herein again.
The method and the device for payment request initiation can be applied to a scene that the first user actively initiates a payment request to the second user. For example, a first user may actively initiate a collection request or a payment request to a second user. The payment request can be initiated by a first user on first user equipment, because the first body chip and the second body chip are in short-distance wireless communication, a payment instruction can be sent to the second body chip through the first body chip under the condition that the first user does not make physical contact with the second user, and the second body chip executes payment operation corresponding to the payment amount under the condition that first user information in the payment instruction is verified.
Referring to fig. 4, fig. 4 is a schematic flowchart of another payment method based on a body chip according to an embodiment of the present disclosure, which can be applied to the payment system based on a body chip shown in fig. 1. As shown in fig. 4, the body-chip-based payment method includes the following steps.
401, the first body chip searches for a nearby communicable second body chip, and establishes a communication connection with the second body chip.
The method and the device can be applied to entrance ticket charging scenes. Wherein, the first human body chip can be a human body chip implanted in the body of the person responsible for charging. The second human body chip can be a person needing payment, such as a tourist. The person responsible for the charge may be the first user and the person needing to pay may be the second user.
402, the first body chip obtains current geographical location information of the second body chip from the second body chip.
403, the first human body chip detects whether the current geographic position information of the second human body chip falls into a first preset geographic position range. If yes, go to step 404, otherwise, end the process.
In the embodiment of the application, after the second body chip establishes the communication connection with the first body chip, the second body chip can report the current geographic position information. The first preset geographical location range may be preset. For example, the first preset geographic location range may be an area with a radius not equal to R and centered on the current geographic location of the first human body chip. For example, the radius may be set to 10 meters, 15 meters, 20 meters, etc.
And if the current geographic position information of the second body chip falls into the first preset geographic position range, indicating that the second body chip implanted into the second user is close to a charging entrance for charging the entrance ticket.
404, the first body chip sends a payment instruction to the second body chip, the payment instruction including a payment amount and the first user information.
405, the second body chip verifies the first user information.
And 406, in case that the first user information is verified, the second body chip performs a payment operation corresponding to the payment amount.
The specific implementation of steps 404 to 406 may refer to steps 201 to 203 shown in fig. 2, which are not described herein again.
Optionally, after step 406 is executed, the following steps may also be executed:
if the payment operation is successful, the second human body chip sends a notification message that the payment is successful to the first human body chip;
and if the payment operation fails, the second human body chip sends a notification message of the failure of the payment to the first human body chip.
Wherein, after the second body chip sends the notification message that the payment is successful to the first body chip, the following steps may be further performed:
the first body chip sends payment vouchers to the second body chip;
and the second body chip sends the payment certificate to the second user equipment bound with the payment certificate.
Wherein the payment credentials may include: payment content, payment time, payment amount, etc. The second user device may pass through a channel (e.g., gate, manual validation channel, etc.) that requires ticket validation by virtue of the payment credentials.
In the embodiment of the application, in the entrance ticket charging scene, the second user who implants the second human body chip can realize the non-inductive payment, and the payment can be easily finished through the process of the entrance ticket verification channel without inputting biological information (such as fingerprints, human faces, irises and the like) or payment passwords, so that the convenience of the payment is improved, and the payment efficiency is improved.
Referring to fig. 5, fig. 5 is a schematic flow chart of another payment method based on a body chip according to an embodiment of the present application, which can be applied to the payment system based on a body chip shown in fig. 1. As shown in fig. 5, the body-chip-based payment method includes the following steps.
501, a first human body chip searches a nearby second human body chip capable of communicating, and establishes a communication connection with the second human body chip.
502, the first body chip obtains current geographical position information of the second body chip and historical geographical position information of the second body chip from the second body chip.
503, the first human body chip detects whether the current geographic position information of the second human body chip falls into a first preset geographic position range. If yes, go to step 504, otherwise, end the process.
And 504, the first human body chip determines the accumulated time length of the second human body chip in the second preset geographic position range according to the historical geographic position information of the second human body chip.
505, the first human body chip determines the payment amount according to the accumulated time length of the second human body chip in the second preset geographic position range.
The embodiment of the application can be applied to a time charging scene. Such as a parking fee scenario. The second predetermined geographical location range may be a parking lot area where the first body chip is responsible for charging. The first user may be a worker in a parking kiosk and the first body chip may be implanted in the worker in the parking kiosk.
And 506, the first body chip sends a payment instruction to the second body chip, wherein the payment instruction comprises payment amount and first user information.
507, the second body chip verifies the first user information.
And 508, under the condition that the first user information is verified, the second human body chip executes a payment operation corresponding to the payment amount.
The specific implementation of steps 506 to 508 can refer to steps 201 to 203 shown in fig. 2, which are not described herein again.
Optionally, after step 508 is executed, the following steps may also be executed:
if the payment operation is successful, the second human body chip sends a notification message that the payment is successful to the first human body chip;
and if the payment operation fails, the second human body chip sends a notification message of the failure of the payment to the first human body chip.
Wherein, after the second body chip sends the notification message that the payment is successful to the first body chip, the following steps may be further performed:
the first body chip sends payment vouchers to the second body chip;
the second body chip sends the payment certificate to the vehicle device bound with the payment certificate.
Wherein the payment credentials may include: payment content, payment time, payment amount, etc. The vehicle device may pass through a toll station requiring a parking fee by virtue of the payment credential. When the vehicle device passes through the toll station, the toll station can scan the vehicle device, acquire the payment certificate of the vehicle device, and verify the payment certificate so as to allow the vehicle device to communicate.
In the parking fee charging scene, the second user implanted with the second human body chip can realize non-inductive payment, can easily complete payment in the process of a charging station which needs to collect parking fees, does not need to input biological information (such as fingerprints, human faces, irises and the like) or payment passwords, improves the convenience of payment and improves the payment efficiency.
The above description has introduced the solution of the embodiment of the present application mainly from the perspective of the method-side implementation process. It is understood that the mobile terminal includes hardware structures and/or software modules for performing the respective functions in order to implement the above-described functions. Those of skill in the art will readily appreciate that the present invention can be implemented in hardware or a combination of hardware and computer software, with the exemplary elements and algorithm steps described in connection with the embodiments disclosed herein. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiment of the present application, the mobile terminal may be divided into the functional units according to the method example, for example, each functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. It should be noted that the division of the unit in the embodiment of the present application is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
Referring to fig. 6, fig. 6 is a schematic structural diagram of a first body chip disclosed in the embodiment of the present application. As shown in fig. 6, the first human body chip 600 includes a transmission unit 601.
The sending unit 601 is configured to send a payment instruction to the second microchip, where the payment instruction includes a payment amount and first user information.
Optionally, the first body chip 600 may further include a communication connection unit 602, an acquisition unit 603, a verification unit 604, a processing unit 605, and a determination unit 606.
The communication connection unit 602 is configured to search for a nearby communicable body chip and establish communication connection with the communicable body chip;
the obtaining unit 603 is configured to obtain, from the communicable body chip, a user identifier of a user in which the communicable body chip is implanted;
the verification unit 604, configured to verify the user identifier of the user implanted with the communicable body chip if the user identifier of the user implanted with the communicable body chip does not belong to a communicable set of the first body chip;
the processing unit 605 is configured to establish a corresponding relationship between the communicable body chip and the user identifier of the user into which the communicable body chip is implanted and store the user identifier in a communicable set after the verification of the verifying unit 604 is passed;
the sending unit 601 is further configured to send the user identifier in the communicable set to the first user equipment; the first user device is configured to receive a payment request selected by a first user for a second user identity, the second user identity being one of a communicable set; the first user equipment is also used for sending a payment request to a first human body chip implanted into a first user, wherein the payment request carries payment amount and a second user identification;
the determining unit 606 is configured to determine a second human body chip corresponding to the second user identifier.
Optionally, the first body chip 600 may further include a detection unit 607.
The communication connection unit 602 is further configured to search a nearby second human body chip capable of communicating, and establish a communication connection with the second human body chip;
the obtaining unit 603 is further configured to obtain current geographic position information of the second body chip from the second body chip;
the detection unit 607 is configured to detect whether the current geographic position information of the second human body chip falls within a first preset geographic position range;
the sending unit 601 is further configured to send a payment instruction to the second microchip when the current geographical location information of the second microchip falls within the first preset geographical location range.
Optionally, the obtaining unit 603 is further configured to obtain historical geographic position information of the second body chip from the second body chip;
the determining unit 606 is further configured to determine, after the detecting unit 607 detects whether the current geographic position information of the second human body chip falls within a first preset geographic position range, an accumulated duration of the second human body chip within a second preset geographic position range according to the historical geographic position information of the second human body chip under the condition that the current geographic position information of the second human body chip falls within the first preset geographic position range;
the determining unit 606 is further configured to determine the payment amount according to the accumulated time length of the second human body chip in a second preset geographic position range;
the sending unit 601 is further configured to send a payment instruction to the second microchip.
The verification unit 604, the processing unit 605, the determination unit 606, and the detection unit 607 shown in fig. 6 may be specifically processors in a first human body chip, the communication connection unit 602 and the obtaining unit 603 may be transceivers in the first human body chip, and the sending unit 601 may be specifically transmitters in the first human body chip.
The first human body chip shown in fig. 6 is implemented, so that a payment instruction can be sent to the second human body chip through the first human body chip under the condition that the first user is not in physical contact with the second user, the payment operation can be realized through the human body chip, the input of biological information or payment passwords is not needed, and the payment convenience is improved.
Referring to fig. 7, fig. 7 is a schematic structural diagram of a second body chip disclosed in the embodiment of the present application. As shown in fig. 7, the second body chip 700 includes a receiving unit 701, an authenticating unit 702, and a processing unit 703.
The receiving unit 701 is configured to receive a payment instruction sent by a first human body chip, where the payment instruction includes a payment amount and first user information;
the verification unit 702 is configured to verify the first user information;
the processing unit 703 is configured to execute a payment operation corresponding to the payment amount if the first user information is verified.
Optionally, the first user information includes a first user identifier, first environmental parameter information where the first user is located, current physiological parameter information of the first user, and current geographic position information of the first body chip; the verification unit 702 verifies the first user information, specifically: acquiring current geographical position information of the second body chip, and acquiring second environment parameter information of the second user; verifying whether the first user identifier belongs to a trusted user identifier set maintained by the second human body chip; verifying whether the matching degree of the first environmental parameter information and the second environmental parameter information is greater than a first threshold value; verifying whether the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than a second threshold value, and verifying whether the current physiological parameter information of the first user falls into a physiological parameter range corresponding to the first user identification; and determining that the first user information passes verification under the condition that the first user identification belongs to a trusted user identification set maintained by the second body chip, the matching degree of the first environment parameter information and the second environment parameter information is greater than the first threshold, the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than the second threshold, and the current physiological parameter information of the first user falls into a physiological parameter range corresponding to the first user identification.
Optionally, the second body chip 700 may further include a transmitting unit 704.
The sending unit 704 is configured to send a notification message that payment is successful to the first human body chip if the payment operation is successful;
the sending unit 704 is further configured to send a notification message of payment failure to the first human body chip when the payment operation fails to pay.
The verification unit 702 and the processing unit 703 shown in fig. 7 may be specifically a processor in a second human body chip, and the receiving unit 701 and the transmitting unit 704 may be transceivers in the second human body chip.
By implementing the second body chip shown in fig. 7, the payment instruction sent by the first body chip can be received through the second body chip under the condition that the first user does not make physical contact with the second user, and the second body chip executes the payment operation corresponding to the payment amount under the condition that the first user information in the payment instruction passes verification, so that the payment operation can be realized through the body chip without inputting biological information or a payment password, and the convenience of payment is improved.
Referring to fig. 8, fig. 8 is a schematic structural diagram of a body chip according to an embodiment of the present application. As shown in fig. 8, the body chip 800 includes a processor 801 and a memory 802, wherein the body chip 800 may further include a bus 803, the processor 801 and the memory 802 may be connected to each other through the bus 803, and the bus 803 may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The bus 803 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 8, but this is not intended to represent only one bus or type of bus. The body chip 800 may also include a transceiver 804, the transceiver 804 being used to communicate with other body chips or user devices. The memory 802 is used to store one or more programs containing instructions; the processor 801 is configured to call instructions stored in the memory 802 to perform some or all of the method steps performed by the first body chip or the second body chip of fig. 2 to 5.
The body chip shown in fig. 8 is implemented, a payment instruction can be sent to the second body chip through the first body chip under the condition that the first user does not make physical contact with the second user, the second body chip executes payment operation corresponding to the payment amount under the condition that the first user information in the payment instruction passes verification, the payment operation can be realized through the body chip without inputting biological information (such as fingerprints, human faces, irises and the like) or payment passwords, and the payment convenience is improved.
Embodiments of the present application also provide a computer storage medium, wherein the computer storage medium stores a computer program for electronic data exchange, the computer program enabling a computer to perform part or all of the steps performed by the first human body chip or the second human body chip of any one of the human body chip-based payment methods as set forth in the above method embodiments.
Embodiments of the present application also provide a computer program product comprising a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps performed by the first body chip or the second body chip of any of the body chip based payment methods as recited in the above method embodiments.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one type of division of logical functions, and there may be other divisions when actually implementing, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable memory. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a memory and includes several instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned memory comprises: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.
The foregoing embodiments of the present invention have been described in detail, and the principles and embodiments of the present invention are explained herein by using specific examples, which are only used to help understand the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. The payment method based on the human body chip is characterized by being applied to a payment system, wherein the payment system comprises a first human body chip and a second human body chip; the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user; the method comprises the following steps:
the first human body chip sends a payment instruction to the second human body chip, wherein the payment instruction comprises payment amount and first user information;
the second human body chip verifies the first user information;
and under the condition that the first user information passes the verification, the second human body chip executes the payment operation corresponding to the payment amount.
2. The method of claim 1, wherein the first user information comprises a first user identifier, first environmental parameter information where the first user is located, current physiological parameter information of the first user, and current geographic location information of the first body chip; the second human body chip verifies the first user information, and the verification comprises the following steps:
the second body chip acquires the current geographical position information of the second body chip and acquires second environment parameter information of the second user;
the second human body chip verifies whether the first user identification belongs to a trust user identification set maintained by the second human body chip; verifying whether the matching degree of the first environmental parameter information and the second environmental parameter information is greater than a first threshold value; verifying whether the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than a second threshold value, and verifying whether the current physiological parameter information of the first user falls into a physiological parameter range corresponding to the first user identification;
if the first user identifier belongs to a trusted user identifier set maintained by the second body chip, the matching degree of the first environment parameter information and the second environment parameter information is greater than the first threshold, the matching degree of the current geographic position information of the first body chip and the current geographic position information of the second body chip is greater than the second threshold, and the current physiological parameter information of the first user falls into a physiological parameter range corresponding to the first user identifier, the second body chip determines that the first user information passes verification.
3. The method according to claim 1 or 2, wherein before the first body chip sends a payment instruction to the second body chip, the method further comprises:
the first human body chip searches for a nearby communicable human body chip and establishes communication connection with the communicable human body chip;
the first body chip acquires a user identifier of a user in which the communicable body chip is implanted from the communicable body chip;
if the user identification of the user implanted with the communication human body chip does not belong to the communication set of the first human body chip, the first human body chip verifies the user identification of the user implanted with the communication human body chip, and after the verification is passed, the first human body chip establishes a corresponding relation between the communication human body chip and the user identification of the user implanted with the communication human body chip and stores the corresponding relation in the communication set;
the first human body chip sends the user identification in the communicable set to first user equipment;
the first user device receiving a payment request selected by the first user for a second user identification, the second user identification being one of the communicable sets;
the first user equipment sends a payment request to a first human body chip implanted into a first user, wherein the payment request carries payment amount and a second user identification;
and the first human body chip determines a second human body chip corresponding to the second user identification, and the first human body chip executes the step of sending a payment instruction to the second human body chip.
4. The method according to claim 1 or 2, wherein before the first body chip sends a payment instruction to the second body chip, the method further comprises:
the first human body chip searches a nearby second human body chip capable of communicating and establishes communication connection with the second human body chip;
the first human body chip acquires current geographic position information of the second human body chip from the second human body chip;
the first human body chip detects whether the current geographic position information of the second human body chip falls into a first preset geographic position range;
and if the current geographic position information of the second human body chip falls into the first preset geographic position range, the first human body chip executes the step of sending a payment instruction to the second human body chip.
5. The method of claim 4, wherein after the first body chip establishes a communication connection with the second body chip, the method further comprises:
the first human body chip acquires historical geographic position information of the second human body chip from the second human body chip;
after the first human body chip detects whether the current geographic position information of the second human body chip falls into a first preset geographic position range, the method further comprises the following steps:
under the condition that the current geographic position information of the second human body chip falls into the first preset geographic position range, the first human body chip determines the accumulated time length of the second human body chip in the second preset geographic position range according to the historical geographic position information of the second human body chip;
the first human body chip determines the payment amount according to the accumulated time length of the second human body chip in a second preset geographic position range;
the first body chip performs a step of transmitting a payment instruction to the second body chip.
6. The method according to any one of claims 1 to 5, wherein after the second biochip performs a payment operation corresponding to the payment amount, the method further comprises:
if the payment operation is successful, the second human body chip sends a notification message of successful payment to the first human body chip;
and if the payment operation fails, the second human body chip sends a notification message of payment failure to the first human body chip.
7. A payment system based on a human body chip is characterized by comprising a first human body chip and a second human body chip; the first human body chip is implanted into a first user, and the second human body chip is implanted into a second user;
the first human body chip is used for sending a payment instruction to the second human body chip, and the payment instruction comprises payment amount and first user information;
the second human body chip is used for verifying the first user information;
the second human body chip is further used for executing payment operation corresponding to the payment amount under the condition that the first user information passes verification.
8. A body chip comprising a processor and a memory for storing one or more programs configured for execution by the processor, the programs comprising instructions for performing the method as claimed in any one of claims 1 to 6.
9. A body chip comprising a processor and a memory for storing one or more programs configured for execution by the processor, the programs comprising instructions for performing the method as claimed in any of claims 1 to 6.
10. A computer-readable storage medium for storing a computer program for electronic data exchange, wherein the computer program causes a computer to perform the method as claimed in any one of claims 1 to 6 performed by the first body chip or the second body chip.
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| CN105321071A (en) * | 2014-07-31 | 2016-02-10 | Lg电子株式会社 | Wearable device and method for controlling the same |
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