TWI520084B - Method, apparatus and system for online payment - Google Patents

Description

Network payment method and related equipment and system

The invention relates to a network payment method and related equipment and system, in particular to a user terminal network payment method and related equipment and system.

With the rapid development of Internet technology, using smart phones (such as Android phones, iOS phones, etc.), tablets, PDAs, and mobile Internet devices (MID), PAD and other user terminals for online payment has been Become a convenience: a popular payment method. In practical applications, when a user makes a network payment by using a user terminal, the user usually needs to manually input a payment password on the user terminal to complete the network payment. This payment method, which requires the user to manually input the payment password, not only makes the payment operation cumbersome, reduces the payment efficiency, but also makes the security of the network payment safe because the payment account is easily stolen.

The invention provides a network payment method and related equipment and system, which can simplify payment operations, improve network payment efficiency, and ensure payment security.

In the network payment method of the first embodiment of the present invention, the method includes: the payment terminal sends the order information to the payment platform server, the order information includes a payment account number, a payment amount, and a payment account number; the payment platform server Receiving the order information sent by the payment terminal, and sending the prompt information to the payment terminal and the payment terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; Receiving, by the terminal, the prompt information sent by the payment platform server, and sending payment user fingerprint information input by the payment user to the payment platform server to the payment platform server; and the payment terminal receiving the payment platform servo Sending the prompt information sent by the payment user to the payment platform server in response to the prompt information input by the payment user; the payment platform server receiving the payment sent by the payment terminal User fingerprint information, and receiving the fingerprint information of the payment user sent by the payment terminal, and authenticating the office Whether the payment user fingerprint information and the fingerprint collection user information are consistent with the payment of pre-stored fingerprint information and user fingerprint collection user information, if agreed, payment operation according to the order information.

In the network payment method of the second embodiment of the present invention, the method includes: the payment platform server receives the order information sent by the payment terminal, the order information includes a payment account number, a payment amount, and a payment account number; the payment platform servo Sending prompt information to the payment terminal and the payment terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; the payment platform server receives the Receiving user fingerprint information, and receiving the fingerprint information of the payment user sent by the payment terminal, and authenticating whether the payment user fingerprint information and the receipt user fingerprint information are respectively associated with pre-stored payment user fingerprint information The fingerprint information of the user is consistent. If they are consistent, the payment operation is performed according to the order information.

In the network payment method of the third embodiment of the present invention, the method includes: the payment terminal sends the order information to the payment platform server, the order information includes a payment account number, a payment amount, and a payment account number; the payment platform server Receiving the order information sent by the payment terminal, and sending prompt information to the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; the payment terminal receives the information sent by the payment platform server And prompting information, and sending, to the payment platform server, the payment user fingerprint information input by the payment user in response to the prompt information; the payment platform server receiving the payment user fingerprint information sent by the payment terminal, and authenticating the Whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, and if yes, deducting the payment amount from the payment account; the payment platform server sends the prompt information to the collection account binding Receiving terminal; the receiving terminal receiving the prompt sent by the payment platform server Sending, to the payment platform server, the payment user's fingerprint information input by the payment user in response to the prompt information; the payment platform server receiving the fingerprint information of the collection user sent by the payment terminal, And authenticating whether the fingerprint information of the payment user is consistent with the pre-stored fingerprint information of the payment user, and if the agreement is consistent, the deducted payment amount is paid to the collection account.

In the network payment method of the fourth embodiment of the present invention, the method includes: the payment platform server receives the order information sent by the payment terminal, the order information includes a payment account number, a payment amount, and a payment account number; the payment platform servo Sending prompt information to the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; the payment platform server receives the payment user fingerprint information sent by the payment terminal, and authenticates the payment user fingerprint Whether the information is consistent with the pre-stored payment user fingerprint information, and if the information is consistent, the payment amount is deducted from the payment account; The server sends the prompt information to the collection terminal bound by the payment account; the payment platform server receives the fingerprint information of the collection user sent by the collection terminal, and authenticates the fingerprint of the collection user Whether the information is consistent with the pre-stored receipt user fingerprint information, and if the information is consistent, the deducted payment amount is paid to the collection account.

In an embodiment of the present invention, a computer storage medium stores a program, and the program execution includes all the steps of the network payment method of the second embodiment of the present invention.

In another embodiment of the present invention, a computer storage medium stores a program, the program including all the steps of the network payment method of the fourth embodiment of the present invention.

In an embodiment of the present invention, a payment platform server includes: a receiving unit, configured to receive order information sent by a payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number; and a sending unit is configured to send And prompting information to the payment terminal and the payment terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; and the receiving unit is configured to receive the payment sent by the payment terminal User fingerprint information, and receiving the fingerprint information of the payment user sent by the payment terminal; the authentication unit is configured to authenticate whether the payment user fingerprint information and the receipt user fingerprint information are respectively associated with the pre-stored payment user fingerprint The information is consistent with the fingerprint information of the user of the payment; the operation unit is configured to perform a payment operation according to the order information when the authentication result of the authentication unit is consistent.

In another embodiment of the present invention, a payment platform server includes: a receiving unit, configured to receive order information sent by a payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number; and a sending unit is configured to: Sending prompt information to the payment terminal, wherein the prompt information is used And the receiving unit is further configured to receive the payment user fingerprint information sent by the payment terminal, and the authentication unit is configured to verify whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information. And an operation unit, configured to: when the authentication unit authenticates that the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, subtract the payment amount from the payment account received by the receiving unit; The sending unit is further configured to send the prompting information to the receiving terminal to which the receiving account is bound; the receiving unit is further configured to receive the receiving user fingerprint information sent by the receiving terminal; The authentication unit is further configured to: verify whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user; the operation unit is further configured to authenticate the fingerprint information and pre-storage of the payment user at the authentication unit. When the fingerprint information of the payee user is consistent, the deducted payment amount is paid to the payment account.

In an embodiment of the present invention, a network payment system includes: a payment terminal, configured to send order information to a payment platform server, where the order information includes a payment account number, a payment amount, and a payment account number; And receiving the order information sent by the payment terminal, and sending the prompt information to the payment terminal and the collection terminal bound by the payment account; wherein the prompt information is used to prompt input of fingerprint information The payment terminal is further configured to receive the prompt information sent by the payment platform server, and send payment user fingerprint information that the payment user inputs to the prompt information to the payment platform server; The payment terminal is configured to receive the prompt information sent by the payment platform server, and send the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server; the payment platform servo And receiving the payment user fingerprint information sent by the payment terminal, and receiving the payment terminal to send And receiving the user fingerprint information, and authenticating whether the payment user fingerprint information and the receipt user fingerprint information are consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information respectively, if consistent, according to the order Information is used for payment operations.

In another embodiment of the present invention, a network payment system includes: a payment terminal for transmitting order information to a payment platform server, the order information including a payment account, a payment amount, and a payment account; the payment platform a server, configured to receive the order information sent by the payment terminal, and send prompt information to the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; and the payment terminal is configured to receive the Sending the prompt information sent by the platform server, and sending the payment user fingerprint information input by the payment user to the payment platform server; the payment platform server is further configured to receive the payment terminal Transmitting the payment user fingerprint information, and authenticating whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, and if yes, deducting the payment amount from the payment account; the payment platform server, And is further configured to send the prompt information to a collection terminal bound by the collection account; the collection terminal further Receiving the prompt information sent by the payment platform server, and sending the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server; the payment platform server is further used Receiving the fingerprint information of the payment user sent by the payment terminal, and authenticating whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user, and if the agreement is consistent, the deducted payment amount is paid to The payment account number.

The payment platform server of the present invention can authenticate whether the payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, and if they are consistent, according to the order information Payment operation. The cumbersome operation brought by the user to manually input the payment password is saved, the payment operation is simplified, the network payment efficiency is improved, and the payment security is ensured by the fingerprint authentication of both parties.

The above and other objects, features and advantages of the present invention will become more <RTIgt;

S101~S104‧‧‧Steps

S401~S406‧‧‧Steps

S501~S519‧‧‧Steps

S601~S605‧‧‧Steps

S701~S707‧‧‧Steps

S801~S820‧‧‧Steps

900‧‧‧Payment Platform Server

901‧‧‧ receiving unit

902‧‧‧Send unit

903‧‧‧Authentication unit

904‧‧‧Operating unit

905‧‧‧ storage unit

1000‧‧‧Payment Platform Server

1001‧‧‧ processor

1002‧‧‧Communication bus

1003‧‧‧Users

1004‧‧‧Network Information

1005‧‧‧ memory

1100‧‧‧Payment Platform Server

1101‧‧‧ Receiving unit

1102‧‧‧Send unit

1103‧‧‧Authorization unit

1104‧‧‧Operating unit

1201‧‧‧Payment terminal

1202‧‧‧ Receiving terminal

1203‧‧‧Payment Platform Server

1 is a flowchart of a network payment method according to an embodiment of the present invention; FIG. 2 is a schematic diagram of a terminal prompting a user to input a fingerprint information interface in a fingerprint input area according to an embodiment of the present invention; FIG. 1 is a schematic diagram of an order information confirmation request display interface of a payment terminal of FIG. 1; FIG. 4 is a flowchart of a network payment method according to another embodiment of the present invention; FIG. 5 is a network payment according to another embodiment of the present invention. FIG. 6 is a flowchart of a network payment method according to another embodiment of the present invention; FIG. 7 is a flowchart of a network payment method according to another embodiment of the present invention; and FIG. 8 is another flowchart of the present invention. FIG. 9 is a structural diagram of a payment platform server according to an embodiment of the present invention; FIG. 10 is a structural diagram of a payment platform server according to another embodiment of the present invention; 11 is a structural diagram of a payment platform server according to another embodiment of the present invention; and FIG. 12 is a structural diagram of a network payment system disclosed in an embodiment of the present invention.

The above and other technical contents, features and advantages of the present invention will be apparent from the following detailed description of the preferred embodiments. The directional terms mentioned in the following embodiments, such as up, down, left, right, front or back, etc., are only directions referring to the additional drawings. Therefore, the directional terminology used is for the purpose of illustration and not limitation.

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

The network payment method and related device and system described in the embodiments of the present invention can simplify payment operations, improve network payment efficiency, and ensure payment security. The details are described below separately.

Please refer to FIG. 1, which is a flowchart of a network payment method according to an embodiment of the present invention. The network payment method described in FIG. 1 is mainly described from a payment platform server. The network payment method can include the following steps.

S101: The payment platform server receives the order information sent by the payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number. In this embodiment, the order information may also be included in the order information. Payment terminals include smart phones (such as Android phones, iOS phones, etc.), tablets, PDAs, and user terminals such as mobile network devices (MIDs) and PADs.

S102: The payment platform server sends the prompt information to the payment terminal and the payment terminal bound to the payment account, and the prompt information is used to prompt input of the fingerprint information. Receiving terminals include smart phones (such as Android phones, iOS phones, etc.), tablets, PDAs, mobile network devices (MID), PAD, etc. User terminal. After receiving the prompt information sent by the payment platform server, the payment terminal may prompt the payment user to input the fingerprint information by displaying a screen. Referring to FIG. 2, the payment terminal may prompt the payment user to input fingerprint information in the fingerprint input area. After receiving the prompt information sent by the payment platform server, the payment terminal may prompt the payment user to input the fingerprint information by displaying a screen. As shown in FIG. 2, the payment terminal can prompt the payee user to input fingerprint information in the fingerprint input area.

S103: The payment platform server receives the payment user fingerprint information sent by the payment terminal and the receipt user fingerprint information sent by the payment terminal.

S104: The payment platform server authentication payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information. If they are consistent, the payment operation is performed according to the order information. The payment platform server performs the payment operation according to the order information: the payment platform server may deduct the payment amount included in the order information from the payment account included in the order information, and pay the payment amount to the collection account.

In the method described in FIG. 1, before the payment platform server performs step S101, the following steps may also be performed:

11): The payment platform server receives the registration request sent by the payment terminal, wherein the registration request includes the payment terminal identifier.

The payment terminal identifier may be a SIM card number or a UIM card number of the payment terminal, or may be an International Mobile Equipment Identification Number (IMEI) of the payment terminal, which is not limited in the embodiment of the present invention.

12): The payment platform server responds to the registration request and sends a notification message to the payment terminal, wherein the notification message is used to prompt for input of the fingerprint information.

13): The payment platform server receives the payment user fingerprint information sent by the payment terminal and stores it.

In the embodiment of the present invention, the payment platform server may store the correspondence between the payment terminal identifier and the payment user fingerprint information.

14): The payment platform server sends a registration completion response to the payment terminal.

The registration of the payment terminal on the payment platform server can be completed through steps 11) to 14), and the payment user fingerprint information is stored in the payment platform server during the registration process, so as to perform subsequent security authentication.

In the method depicted in Figure 1, the payment platform server can also perform the following steps:

21): The payment platform server receives the registration request sent by the payment terminal, and the registration request includes the collection terminal identifier. The receiving terminal identifier may be the SIM card number or the UIM card number of the payment terminal, or may be the mobile communication international identification code (IMEI) of the payment terminal, which is not limited in the embodiment of the present invention.

22): The payment platform server responds to the registration request and sends a notification message to the payment terminal, and the notification message is used to prompt input of the fingerprint information.

23): The payment platform server receives the fingerprint information of the payment user sent by the payment terminal and stores it. The payment platform server can store the correspondence between the receipt terminal identifier and the fingerprint information of the payee user.

24): The payment platform server sends a registration completion response to the payment terminal.

The registration of the payment terminal on the payment platform server can be completed through steps 21) to 24), and the fingerprint information of the collection user is stored in the payment platform server during the registration process, so as to perform multi-terminal multi-fingerprint security subsequently. Certification.

In the method described in FIG. 1, the payment platform server authenticates the payment user fingerprint information and the payment user fingerprint information, respectively, with the pre-stored payment. After the fingerprint information of the household and the fingerprint information of the receiving user are consistent, and before the payment operation is performed according to the order information, the following steps can also be performed:

31): The payment platform server sends an order information confirmation request to the payment terminal, and the order information confirmation request includes a payment account number, a payment amount, and a payment account number.

32): After receiving the confirmation response sent by the payment terminal for the order information confirmation request, the payment platform server performs the step of performing the payment operation according to the order information.

The security of payment can be improved by steps 31) to 32).

As shown in FIG. 3, the payment terminal may output an order information confirmation request sent by the payment platform server, and the order information confirmation request may include a payment amount "XXXX", a payment account number "1234567899876543210", and a payment account number "9876543210123456789". The payment user can click the "OK" option in the interface shown in FIG. 3 to send a confirmation response to the order information confirmation request to the payment terminal, and the payment terminal sends a confirmation response to the order information confirmation request to the payment platform server.

In the method described in FIG. 1, the payment platform server can authenticate whether the payment user fingerprint information and the payment user fingerprint information are consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, respectively, if they are consistent, according to the order information. Payment operation. The cumbersome operation brought by the user to manually input the payment password is saved, the payment operation is simplified, the network payment efficiency is improved, and the payment security is ensured by the fingerprint authentication of both parties.

Please refer to FIG. 4. FIG. 4 is a flowchart of a network payment method according to another embodiment of the present invention. The network payment method is mainly described from three aspects: a payment terminal, a collection terminal bound by a payment account, and a payment platform server. The network payment method can include the following steps.

S401: The payment terminal sends the order information to the payment platform server, and the order information includes a payment account, a payment amount, and a payment account.

S402: The payment platform server receives the order information sent by the payment terminal, and sends the prompt information to the payment terminal; the prompt information is used to prompt input of the fingerprint information.

S403: The payment platform server receives the order information sent by the payment terminal, and sends the prompt information to the collection terminal bound to the payment account; the prompt information is used to prompt input of the fingerprint information. The execution sequence of the step S402 and the step S403 may be replaced or may be performed at the same time, which is not limited by the embodiment of the present invention.

S404: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response prompt information to the payment platform server.

S405: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server. The order of the execution of the step S404 and the step S405 may be replaced or may be performed at the same time, which is not limited by the embodiment of the present invention.

S406: The payment platform server receives the payment user fingerprint information sent by the payment terminal, and receives the receipt user fingerprint information sent by the payment terminal, and verifies whether the payment user fingerprint information and the payment user fingerprint information are respectively associated with the pre-stored payment user fingerprint. The information and the user's fingerprint information are consistent. If they are consistent, the payment operation is performed according to the order information.

If the authentication payment user fingerprint information and the payment user fingerprint information are inconsistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, the payment platform server may ignore the order information and not perform the payment operation.

The payment platform server may perform payment according to the order information. The payment operation step may be: the payment platform server may receive the payment account from the order information. The payment amount included in the order information is deducted, and the payment amount is paid to the collection account.

In the method described in FIG. 4, the payment platform server can authenticate whether the payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, and if consistent, according to the billing information Make a payment operation. The cumbersome operation brought by the user to manually input the payment password is saved, the payment operation is simplified, the network payment efficiency is improved, and the payment security is ensured by the fingerprint authentication of both parties.

Please refer to FIG. 5. FIG. 5 is a flowchart of a network payment method according to another embodiment of the present invention. The network payment method is mainly described in terms of a payment terminal, a collection terminal, and a payment platform server. The network payment method can include the following steps.

S501: The payment terminal sends a registration request to the payment platform server, and the registration request includes a payment terminal identifier.

S502: The payment platform server responds to the registration request, and sends a notification message to the payment terminal, where the notification message is used to prompt input of the fingerprint information.

S503: The payment terminal receives the notification message sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response notification message to the payment platform server.

S504: The payment platform server stores the payment user fingerprint information.

S505: The payment platform server sends a registration completion response to the payment terminal.

S506: The payment terminal sends a registration request to the payment platform server, and the registration request includes the payment terminal identifier.

S507: The payment platform server responds to the registration request, and sends a notification message to the payment terminal, and the notification message is used to prompt input of the fingerprint information.

S508: The payment terminal receives the notification message sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response notification message to the payment platform server.

S509: The payment platform server stores the fingerprint information of the payment user.

S510: The payment platform server sends a registration completion response to the payment terminal.

S511: The payment terminal sends the order information to the payment platform server, and the order information includes a payment account, a payment amount, and a payment account.

S512: The payment platform server receives the order information sent by the payment terminal, and sends the prompt information to the payment terminal; the prompt information is used to prompt input of the fingerprint information.

S513: The payment platform server receives the order information sent by the payment terminal, and sends the prompt information to the collection terminal bound to the payment account; the prompt information is used to prompt input of the fingerprint information. The execution sequence of the step S512 and the step S513 may be replaced or may be performed at the same time, which is not limited by the embodiment of the present invention.

S514: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response prompt information to the payment platform server.

S515: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server. The execution sequence of the step S514 and the step S515 may be replaced or may be performed at the same time, which is not limited by the embodiment of the present invention.

S516: The payment platform server authentication payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information. If they are consistent, the order information confirmation request is sent to the payment terminal, and the order information is confirmed. The request includes the payment account, the payment amount, and Collection account.

S517: The payment terminal receives the order information confirmation request sent by the payment platform server, and sends a confirmation response for the order information confirmation request input by the payment user to the payment platform server.

S518: After receiving the confirmation response sent by the payment terminal for the order information confirmation request, the payment platform server performs the payment operation according to the order information.

S519: The payment platform server sends the payment operation result to the payment terminal.

In the method described in FIG. 5, the payment platform server can authenticate whether the payment user fingerprint information and the payment user fingerprint information are consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, respectively, if consistent, according to the order information. Payment operation. The cumbersome operation brought by the user to manually input the payment password is saved, the payment operation is simplified, the network payment efficiency is improved, and the payment security is ensured by the fingerprint authentication of both parties.

Please refer to FIG. 6. FIG. 6 is a flowchart of a network payment method according to another embodiment of the present invention. The network payment method is mainly described from a payment platform server, and may include the following steps.

S601: The payment platform server receives the order information sent by the payment terminal, and the order information includes a payment account, a payment amount, and a payment account.

S602: The payment platform server sends the prompt information to the payment terminal, and the prompt information is used to prompt input of the fingerprint information.

S603: The payment platform server receives the payment user fingerprint information sent by the payment terminal, and verifies whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information. If the payment is consistent, the payment amount is deducted from the payment account.

S604: The payment platform server sends a prompt message to the payment account. The bound payment terminal, the prompt information is used to prompt input of fingerprint information.

S605: The payment platform server receives the fingerprint information of the payment user sent by the payment terminal, and verifies whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user. If the payment is consistent, the deducted payment amount is paid to the payment account. . If the fingerprint information of the authenticated payee user is inconsistent with the pre-stored fingerprint information of the payee user, the payment platform server may also return the deducted payment amount to the payment account.

In the method described in FIG. 6, the payment platform server may authenticate whether the payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, and if they are consistent, according to the order information. Payment operation. The method described in FIG. 6 eliminates the cumbersome operation brought by the user to manually input the payment password, simplifies the payment operation, improves the network payment efficiency, and ensures the payment security by the fingerprint authentication of both parties. In the embodiment of the present invention, the method described in FIG. 6 does not require the paying user to be online at all times, and the paying user can see the prompt information when the line is online and output the fingerprint information of the paying user to the receiving terminal, which is sent by the receiving terminal to the receiving terminal. The payment platform server performs fingerprint authentication on both sides of the payment and payment, and performs payment operation after the fingerprint authentication of both parties is passed, and performs offline secure payment.

Please refer to FIG. 7. FIG. 7 is a flowchart of a network payment method according to another embodiment of the present invention. The network payment method is mainly described by the payment terminal, the payment terminal and the payment platform server. The network payment method can include the following steps.

S701: The payment terminal sends the order information to the payment platform server, and the order information includes a payment account, a payment amount, and a payment account.

S702: The payment platform server receives the order information sent by the payment terminal, and sends the prompt information to the payment terminal, wherein the prompt information is used to raise Enter the fingerprint information.

S703: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response prompt information to the payment platform server.

S704: The payment platform server receives the payment user fingerprint information sent by the payment terminal, and verifies whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information. If they are consistent, the payment amount is deducted from the payment account.

S705: The payment platform server sends the prompt information to the payment terminal bound to the payment account, wherein the prompt information is used to prompt input of the fingerprint information.

S706: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server.

S707: The payment platform server receives the fingerprint information of the payment user sent by the payment terminal, and verifies whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user. If the payment is consistent, the deducted payment amount is paid to the payment account. .

If the authentication payment user fingerprint information is inconsistent with the pre-stored payment user fingerprint information, the payment platform server does not need to deduct the payment amount from the payment account, and may prompt the payment terminal to fail to pay.

The method described in FIG. 7 eliminates the cumbersome operation brought by the user to manually input the payment password, simplifies the payment operation, improves the network payment efficiency, and ensures the payment security through the fingerprint authentication of both parties. The method described in FIG. 7 does not require the paying user to be online at all times, and the paying user can see the prompt information when the line is online and output the fingerprint information of the paying user to the receiving terminal, and the receiving terminal sends the payment to the payment platform server for receiving. Pay the fingerprint authentication of both parties, and perform the payment operation after the fingerprint authentication of both parties is passed, and perform offline security. Pay.

Please refer to FIG. 8. FIG. 8 is a flowchart of a network payment method according to another embodiment of the present invention. The network payment method described in FIG. 8 is mainly described in three aspects of a payment terminal, a payment terminal, and a payment platform server. As shown in FIG. 8, the network payment method may include the following steps.

S801: The payment terminal sends a registration request to the payment platform server, and the registration request includes a payment terminal identifier.

S802: The payment platform server responds to the registration request, sends a notification message to the payment terminal, and the notification message is used to prompt input of the fingerprint information.

S804: The payment platform server stores the payment user fingerprint information

S805: The payment platform server sends a registration completion response to the payment terminal.

S506: The payment terminal sends a registration request to the payment platform server, and the registration request includes the payment terminal identifier.

S807: The payment platform server responds to the registration request, and sends a notification message to the payment terminal, and the notification message is used to prompt input of the fingerprint information.

S808: The payment terminal receives the notification message sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response notification message to the payment platform server.

S809: The payment platform server stores the fingerprint information of the paying user.

S810: The payment platform server sends a registration completion response to the payment terminal.

S811: The payment terminal sends the order information to the payment platform server, and the order information includes a payment account, a payment amount, and a payment account.

S812: the payment platform server receives the order information sent by the payment terminal, and sends the prompt information to the payment terminal; wherein the prompt information is used to raise Enter the fingerprint information.

S813: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user response prompt information to the payment platform server.

S814: The payment platform server receives the payment user fingerprint information sent by the payment terminal, and verifies whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information. If they are consistent, the payment amount is deducted from the payment account.

S815: The payment platform server sends the prompt information to the payment terminal bound to the payment account; wherein the prompt information is used to prompt input of the fingerprint information.

S816: The payment terminal receives the prompt information sent by the payment platform server, and sends the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server.

S817: The payment platform server authenticates the user's fingerprint information to be consistent with the pre-stored user fingerprint information. If the agreement is the same, the order information confirmation request is sent to the payment terminal, and the order information confirmation request includes the payment account, the payment amount, and the payment account. .

S818: The payment terminal receives the order information confirmation request sent by the payment platform server, and sends a confirmation response for the order information confirmation request input by the payment user to the payment platform server.

S819: After receiving the confirmation response sent by the payment terminal for the order information confirmation request, the payment platform server pays the deducted payment amount to the collection account.

S820: The payment platform server sends the payment operation result to the payment terminal.

If the fingerprint information of the authenticated payment user is inconsistent with the fingerprint information of the pre-stored payment user, the payment platform server may return the deducted payment amount. Also to the payment account. The method described in FIG. 8 eliminates the cumbersome operation brought by the user to manually input the payment password, simplifies the payment operation, improves the network payment efficiency, and ensures the payment security through the fingerprint authentication of both parties. The method described in FIG. 8 does not require the paying user to be online at all times, and the paying user can see the prompt information when the line is online and output the fingerprint information of the paying user to the receiving terminal, and the receiving terminal sends the payment to the payment platform server for receiving. The fingerprint authentication of both parties is paid, and the payment operation is performed after the fingerprint authentication of both parties is passed, and offline secure payment is performed.

Please refer to FIG. 9. FIG. 9 is a structural diagram of a payment platform server according to an embodiment of the present invention. The payment platform server 900 may include: a receiving unit 901, configured to receive order information sent by the payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number; and the sending unit 902 is configured to send the prompt information to the payment terminal and receive The payment terminal is bound to the payment terminal; wherein the prompt information is used to prompt input of the fingerprint information; the receiving unit 901 is further configured to receive the payment user fingerprint information sent by the payment terminal, and receive the receipt user fingerprint information sent by the payment terminal; The authentication unit 903 is configured to verify whether the payment user fingerprint information and the payment user fingerprint information are consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, respectively. The operation unit 904 is configured to perform the authentication result in the authentication unit 903. At the time, the payment operation is performed based on the order information.

The receiving unit 901 is further configured to: before receiving the order information sent by the payment terminal, receive the registration request sent by the payment terminal; the sending unit 902 is further configured to send the notification message to the payment terminal by responding to the registration request, where the notification message is used to prompt for inputting the fingerprint Information; receiving unit 901 is further configured to receive a payment terminal The payment user fingerprint information is sent; the payment platform server 900 further includes: a storage unit 905, configured to store payment user fingerprint information.

The receiving unit 901 is further configured to receive the registration request sent by the payment terminal. The sending unit 902 is further configured to: send the notification message to the payment terminal, the notification message is used to prompt input of the fingerprint information, and the receiving unit 901 is further configured to receive the registration request. The receiving user fingerprint information sent by the receiving terminal; the storage unit 905 is further configured to store the receiving user fingerprint information.

The authentication unit 903 is configured to verify whether the payment user fingerprint information and the payment user fingerprint information are consistent with the payment user fingerprint information and the payment user fingerprint information pre-stored by the storage unit 905, respectively. The sending unit 902 is further configured to: after the authentication unit 903 verifies that the payment user fingerprint information and the payment user fingerprint information are consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, respectively, sending an order information confirmation request to the payment terminal, the order information. The confirmation request includes a payment account, a payment amount, and a payment account; correspondingly, the receiving unit 901 is further configured to: after receiving the confirmation response sent by the payment terminal for the order information confirmation request, triggering the operation unit 904 to perform the payment operation according to the order information . The payment platform server described in FIG. 9 can save the cumbersome operation caused by the user to manually input the payment password, simplify the payment operation, improve the network payment efficiency, and ensure the payment security by the fingerprint authentication of both parties.

Please refer to FIG. 10. FIG. 10 is a structural diagram of a payment platform server according to another embodiment of the present invention. As shown in FIG. 10, the payment platform server 1000 includes at least one processor 1001, such as a CPU, at least one network port 1004, a user port 1003, a memory 1005, and at least one communication bus 1002. Among them, the communication bus 1002 is used for connection communication between these components. The user 埠 1003 may include a display screen and a keyboard, and the optional user 埠 1003 may also include a standard wired 埠, wireless 埠. Network 埠1004 Optional can include standard wired ports, wireless ports (such as WI-FI埠). The memory 1005 may be a high speed RAM memory or a non-volatile memory such as at least one disk memory. The memory 1005 can also optionally be at least one storage device located remotely from the processor 1001. As shown in FIG. 10, the memory 1005 as a computer storage medium may include an operating system, a network communication module, a user module, and a network payment application.

In the payment platform server 1000 shown in FIG. 10, the network port 1004 is mainly used to connect the payment terminal to the payment terminal for data communication; and the processor 1001 can be used to call the network payment application stored in the memory 1005. And performing the following operations: receiving the order information sent by the payment terminal through the network 埠 1004, the order information includes the payment account, the payment amount, and the payment account number; sending the prompt information to the payment terminal and the payment account binding through the network 埠 1004 a payment terminal; wherein the prompt information is used for prompting input of fingerprint information; receiving payment user fingerprint information sent by the payment terminal through the network 埠 1004, receiving the fingerprint information of the payment user sent by the payment terminal, and authenticating the payment user fingerprint information and Whether the fingerprint information of the payment user is consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, and if they are consistent, the payment operation is performed according to the order information.

In one embodiment, the processor 1001 invoking the network payment application stored in the memory 1005 may also perform the following operations: before receiving the order information sent by the payment terminal via the network port 1004, receiving the payment terminal through the network 埠 1004. In response to the registration request, the notification message is sent to the payment terminal via the network port 1004, wherein the notification message is used to prompt for input of the fingerprint information; and the payment user fingerprint information sent by the payment terminal is received through the network port 1004. storage. Wherein, the payment user fingerprint information can be saved Stored in memory 1005.

In one embodiment, the processor 1001 calls the network payment application stored in the memory 1005 to perform the following operations: receiving the registration request sent by the payment terminal through the network 埠 1004; responding to the registration request, through the network 埠 1004 Sending a notification message to the payment terminal; and receiving the payment user fingerprint information sent by the payment terminal through the network 埠 1004 and storing the information. The payment user fingerprint information can be stored in the memory 1005.

In one embodiment, the processor 1001 calls the network payment application stored in the memory 1005 to perform the following operations: authenticating the payment user fingerprint information and the payment user fingerprint information with the pre-stored payment user fingerprint information and the payment respectively. After the user fingerprint information is consistent, and before the payment operation is performed according to the order information, the order information confirmation request is sent to the payment terminal via the network 1004, and the order information confirmation request includes the payment account number, the payment amount, and the payment account number; After receiving the confirmation response to the order information confirmation request sent by the payment terminal, the router 1004 performs the step of performing the payment operation based on the order information. The implementation of the payment platform server described in FIG. 10 can save the cumbersome operation caused by the user to manually input the payment password, simplify the payment operation, improve the network payment efficiency, and ensure the payment security through the fingerprint authentication of both parties. Sex.

Referring to FIG. 11, FIG. 11 is a structural diagram of a payment platform server according to another embodiment of the present invention. As shown in FIG. 11, the payment platform server 1100 includes: a receiving unit 1101, configured to receive order information sent by a payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number; and a sending unit 1102 is configured to send the prompt information. a payment terminal, wherein the prompt information is used to prompt input of fingerprint information; the receiving unit 1101 is further configured to receive payment user fingerprint information sent by the payment terminal; and the authentication unit 1103 is configured to authenticate the payment user fingerprint information. Whether the information is consistent with the pre-stored payment user fingerprint information; the operation unit 1104 is configured to deduct the payment amount from the payment account received by the receiving unit 1101 when the authentication unit authenticates the payment user fingerprint information and the pre-stored payment user fingerprint information The sending unit 1102 is further configured to send the prompting information to the receiving terminal to which the payment account is bound; the receiving unit 1101 is further configured to receive the receiving user fingerprint information sent by the receiving terminal, and the authentication unit 1103 is further configured to perform the authentication. Whether the user fingerprint information is consistent with the pre-stored payment user fingerprint information; the operation unit 1104 is further configured to: when the authentication unit authenticates the payment user fingerprint information and the pre-stored payment user fingerprint information, the deducted payment amount is paid To the collection account.

In the embodiment of the present invention, the sending unit 1102 is further configured to send the payment operation result of the operating unit 1101 to the payment terminal. The operation unit 1104 is further configured to return the deducted payment amount to the payment account when the authentication unit 1103 verifies that the payment user fingerprint information is inconsistent with the pre-stored payment user fingerprint information. The payment platform server described in FIG. 11 can save the cumbersome operation caused by the user to manually input the payment password, simplify the payment operation, improve the network payment efficiency, and ensure the payment security by the fingerprint authentication of both parties. In the embodiment of the present invention, the payment platform server described in FIG. 11 does not require the paying user to be online at all times, and the paying user can see the prompt information when the line is online and output the fingerprint information of the paying user to the receiving terminal, and receive the payment. The terminal sends the fingerprint authentication to both the payment and the payment server, and performs the payment operation after the fingerprint authentication of both the payment and the payment is passed, and performs offline secure payment.

As another implementation manner, in the payment platform server 1000 shown in FIG. 10, the processor 1001 calls the network payment application stored in the memory 1005 to perform the following operations: receiving an order sent by the payment terminal through the network 埠 1004. Information, order information including payment account, payment amount, and receipt Account number; send prompt information to the payment terminal through the network 埠 1004, wherein the prompt information is used to prompt input of fingerprint information; receive the payment user fingerprint information sent by the payment terminal through the network 埠 1004, and verify whether the payment user fingerprint information is pre- The stored payment user fingerprint information is consistent. If the payment is consistent, the payment amount is deducted from the payment account; the prompt message is sent to the receiving terminal bound to the receiving account through the network 埠 1004, and the prompt information is used to prompt for inputting the fingerprint information;埠 1004 receives the fingerprint information of the payment user sent by the payment terminal, and certifies whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user. If they are consistent, the deducted payment amount is paid to the payment account.

In one embodiment, the processor 1001 calls the network payment application stored in the memory 1005 to perform the following operations: if the authentication payment user fingerprint information is inconsistent with the pre-stored payment user fingerprint information, the payment amount to be deducted Return to the payment account. The cumbersome operation brought by the user to manually input the payment password can be omitted, the payment operation can be simplified, the network payment efficiency can be improved, and the payment security can be ensured by the fingerprint authentication of both parties. The paying user is not required to be online at all times, and the paying user can see the prompt information and output the fingerprint information of the receiving user to the receiving terminal when the online user goes online, and the receiving terminal sends the fingerprint information to the payment platform server for the both parties to receive and pay. And after the fingerprint authentication of both parties is passed, the payment operation is performed, and offline secure payment is performed.

Referring to FIG. 12, FIG. 12 is a structural diagram of a network payment system according to an embodiment of the present invention. The payment system includes a payment terminal 1201: a collection terminal 1202 and a payment platform server 1203, wherein the payment terminal 1201 and the payment terminal 1202 respectively connect to the payment platform server 1203 via a network, wherein: The payment terminal 1201 is configured to send the order information to the payment platform server 1203. The order information includes a payment account number, a payment amount, and a payment account number. The payment platform server 1203 is configured to receive the payment terminal 1201. And the payment information is sent to the payment terminal 1201 and the collection terminal 1202 bound to the payment account; wherein the prompt information is used to prompt input of the fingerprint information; the payment terminal 1201 is further configured to receive the payment platform server 1203. And sending the prompt information to the payment platform server 1203; The payment user fingerprint information input by the prompt information is sent to the payment platform server 1203. The payment platform server 1203 is further configured to receive the payment user fingerprint information sent by the payment terminal 1201, and receive the payment user fingerprint information sent by the payment terminal 1202. And verifying that the payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, and if they are consistent, the payment operation is performed according to the order information.

In an embodiment, the payment terminal 1201 is further configured to send a registration request to the payment platform server 1203 before sending the order information to the payment platform server 1203; the payment platform server 1203 is further configured to respond to the registration request and send the notification message to The payment terminal 1201, wherein the notification message is used to prompt input of the fingerprint information; the payment terminal 1201 is further configured to receive the notification message sent by the payment platform server 1203, and send the payment user fingerprint information input by the payment user response notification message to the payment platform servo. The payment platform server 1203 is further configured to store payment user fingerprint information.

In an embodiment, the payment terminal 1202 is further configured to send a registration request to the payment platform server 1203; the payment platform server 1203 is further configured to respond to the registration request, and send a notification message to the payment terminal 1202; the payment terminal 1202 also uses Receiving the notification message sent by the payment platform server, and transmitting the payment user fingerprint information input by the payment user response notification message to the payment platform server; the payment platform server 1203 is further configured to store the payment user fingerprint information.

In an embodiment, the payment platform server 1203 is further configured to perform payment after the authentication payment user fingerprint information and the payment user fingerprint information are consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, respectively, and according to the order information. Before the operation, the order information confirmation request is sent to the payment terminal 1201, and the order information confirmation request includes a payment account number, a payment amount, and a payment account number; the payment terminal 1201 is further configured to receive the order information confirmation request sent by the payment platform server 1203, and the payment is made. The confirmation response sent by the user for the order information confirmation request is sent to the payment platform server 1203. The payment platform server 1203 is further configured to: after receiving the confirmation response sent by the payment terminal for the order information confirmation request, perform payment according to the order information. The steps of the operation.

The implementation of the network payment system described in FIG. 12 can save the cumbersome operation caused by the user to manually input the payment password, simplify the payment operation, improve the network payment efficiency, and ensure the payment security through the fingerprint authentication of both parties. Sex.

As another implementation manner, in the network payment system shown in FIG. 12, the payment terminal 1201 is configured to send order information to the payment platform server 1203, and the order information includes a payment account number, a payment amount, and a payment account number; The device 1203 is configured to receive the order information sent by the payment terminal 1201, and send the prompt information to the payment terminal 1201, wherein the prompt information is used to prompt input of the fingerprint information; the payment terminal 1201 is further configured to receive the prompt sent by the payment platform server 1203. And sending the payment user fingerprint information to the payment platform server 1203; the payment platform server 1203 is further configured to receive the payment user fingerprint information sent by the payment terminal 1201, and verify whether the payment user fingerprint information is Same as the pre-stored payment user fingerprint information. If they are consistent, the payment amount is deducted from the payment account; The server 1203 is further configured to send the prompt information to the payment terminal bound to the payment account; the payment terminal 1202 is further configured to receive the prompt information sent by the payment platform server, and input the payment user response prompt information. The payment user fingerprint information is sent to the payment platform server 1203. The payment platform server 1203 is further configured to receive the cashier user fingerprint information sent by the payment terminal 1202, and verify whether the payment user fingerprint information is related to the pre-stored payment user. The fingerprint information is consistent. If they are consistent, the deducted payment amount is paid to the receiving account.

Further, the payment platform server 1203 is further configured to return the deducted payment amount to the payment account when the authentication payment user fingerprint information is inconsistent with the pre-stored payment user fingerprint information. The cumbersome operation brought by the user to manually input the payment password can be omitted, the payment operation can be simplified, the network payment efficiency can be improved, and the payment security can be ensured by the fingerprint authentication of both parties. The paying user is not required to be online at all times, and the paying user can see the prompt information and output the fingerprint information of the receiving user to the receiving terminal when the online user goes online, and the receiving terminal sends the fingerprint information to the payment platform server for the both parties to receive and pay. And after the fingerprint authentication of both parties is passed, the payment operation is performed, and offline secure payment is performed.

The network payment method of the embodiment of the present invention can be applied not only to the situation that the payment user and the payment user are online at the same time, but also to the situation that the payment user is online and the payment user is not online. When the payment user and the payment user are online at the same time, an online secure payment operation can be performed; when the payment user is online and the payment user is not online, an offline secure payment operation can be performed.

One of ordinary skill in the art can understand that all or part of the steps in the methods shown in FIG. 1 and FIG. 6 can be completed by a program to instruct a payment platform server related hardware, and the program can be stored in a computer of the payment platform server. In a readable storage medium, the storage medium may include: a flash drive, a read-only memory (ROM), and a random access memory (Random). Access Memory, RAM), disk or CD.

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

The various embodiments in the specification are described in a progressive manner, and each embodiment focuses on differences from other embodiments, and the same similar parts between the various embodiments may be referred to each other. For the system or device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part.

In this document, relational terms such as first and second are used merely to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such. The actual relationship or order. Furthermore, the term "comprises" or "comprises" or "comprises" or any other variations thereof is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device that comprises a plurality of elements includes not only those elements but also Other elements of the process are also included in this process: methods: the elements inherent in the item or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

While the present invention has been described in its preferred embodiments, the present invention is not intended to limit the invention, and the present invention may be modified and modified without departing from the spirit and scope of the invention. The scope of protection is subject to the definition of the scope of the patent application. In addition, any embodiment of the present invention or the scope of the patent application does not need to achieve all the objects disclosed in the present invention. Or advantage or characteristic. In addition, the abstract sections and headings are only used to assist in the search of patent files and are not intended to limit the scope of the invention.

S401~S406‧‧‧Steps

Claims (26)

A network payment method, the method comprising: a payment terminal sending order information to a payment platform server, the order information including a payment account number, a payment amount, and a payment account number; the payment platform server receiving the payment terminal Receiving the order information, and sending the prompt information to the payment terminal and the payment terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; and the payment terminal receives the payment platform servo Sending the prompt information sent by the payment user and sending the payment user fingerprint information to the payment platform server; the payment terminal receiving the prompt information sent by the payment platform server And sending, to the payment platform server, the payment user fingerprint information input by the payment user in response to the prompt information; the payment platform server receiving the payment user fingerprint information sent by the payment terminal, and receiving the location Determining the fingerprint information of the payment user sent by the payment terminal, and authenticating the fingerprint of the payment user And whether the payment user fingerprint information are consistent with the payment user pre-stored fingerprint information and user fingerprint information collection, if agreed, payment operation according to the order information. The method of claim 1, wherein the step of the payment terminal transmitting the order information to the payment platform server comprises: the payment terminal transmitting the registration request to the payment platform server; the payment platform server responding to the Registration request, send notification message To the payment terminal, wherein the notification message is used to prompt input of fingerprint information; the payment terminal receives the notification message sent by the payment platform server, and the payment user responds to the payment user input by the notification message Fingerprint information is sent to the payment platform server. The method of claim 2, wherein the step before the payment terminal sends the order information to the payment platform server comprises: the payment terminal sends a registration request to the payment platform server; the payment platform server responds The registration request sends a notification message to the collection terminal, wherein the notification message is used to prompt input of fingerprint information; the collection terminal receives the notification message sent by the payment platform server, and receives the notification message The payment user fingerprint information input by the user in response to the notification message is sent to the payment platform server. The method of claim 1, wherein the payment platform server authenticates the payment user fingerprint information and the receipt user fingerprint information respectively with the pre-stored payment user fingerprint information and the payment user fingerprint information. Thereafter, and the step of performing the payment operation according to the order information comprises: the payment platform server sending an order information confirmation request to the payment terminal, the order information confirmation request including the payment account number, a payment amount, and a payment account; the payment terminal receives the order information confirmation request sent by the payment platform server, and inputs the order information for the payment user Sending a confirmation response of the confirmation request to the payment platform server; after receiving the confirmation response sent by the payment terminal for the order information confirmation request, the payment platform server performs the performing according to the order information The steps to pay for the operation. A network payment method, the method comprising: a payment platform server receiving order information sent by a payment terminal, the order information including a payment account number, a payment amount, and a payment account number; the payment platform server sending the prompt information to the a payment terminal and a collection terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; the payment platform server receives the payment user fingerprint information sent by the payment terminal, and receives The payment user fingerprint information sent by the payment terminal, and whether the payment user fingerprint information and the payment user fingerprint information are respectively consistent with the pre-stored payment user fingerprint information and the payment user fingerprint information, if Consistently, the payment operation is performed according to the order information. The method of claim 5, wherein the step of the payment platform server receiving the order information sent by the payment terminal comprises: the payment platform server receiving the registration request sent by the payment terminal; the payment platform server responding The registration request, sending a notification message to the payment terminal, wherein the notification message is used to prompt input of fingerprint information; and the payment platform server receives the payment sent by the payment terminal User fingerprint information and stored. The method of claim 6, wherein the step of the payment platform server receiving the order information sent by the payment terminal comprises: the payment platform server receiving the registration request sent by the payment terminal; the payment platform The server responds to the registration request, and sends the notification message to the collection terminal; the payment platform server receives the collection user fingerprint information sent by the collection terminal and stores the information. The method of claim 5, wherein the payment platform server authenticates the payment user fingerprint information and the receipt user fingerprint information respectively with the pre-stored payment user fingerprint information and the payment user fingerprint information. Thereafter, and the step of performing the payment operation according to the order information comprises: the payment platform server sending an order information confirmation request to the payment terminal, the order information confirmation request including the payment account number, a payment amount, and Receiving account; after receiving the confirmation response sent by the payment terminal for the order information confirmation request, the payment platform server performs the step of performing a payment operation according to the order information. A network payment method, the method comprising: the payment terminal sends the order information to a payment platform server, where the order information includes a payment account number, a payment amount, and a payment account number; Receiving, by the payment platform server, the order information sent by the payment terminal, and sending prompt information to the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; and the payment terminal receives the payment platform Sending the prompt information sent by the server, and sending payment user fingerprint information input by the payment user to the payment platform server; the payment platform server receiving the payment user sent by the payment terminal Fingerprint information, and authenticating whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, and if yes, deducting the payment amount from the payment account; the payment platform server sends the prompt information to the location a receiving terminal to which the payment account is bound; the receiving terminal receives the prompt information sent by the payment platform server, and sends the fingerprint information of the receiving user that the receiving user responds to the prompt information to the a payment platform server; the payment platform server receiving the payment user sent by the payment terminal Land information, and authenticate the user whether receivables receivables fingerprint information is consistent with the user's fingerprint pre-stored information, if agreed, the payment will be deducted from the amount paid to the account receivable. The method of claim 9, wherein if the fingerprint information of the payment user is inconsistent with the fingerprint information of the pre-stored user, the subsequent steps include: the payment that the payment platform server will deduct The amount is returned to the payment account. A network payment method, the method comprising: a payment platform server receiving order information sent by a payment terminal, the order information including a payment account number, a payment amount, and a payment account number; the payment platform server sending the prompt information to the a payment terminal, wherein the prompt information is used to prompt input of fingerprint information; the payment platform server receives the payment user fingerprint information sent by the payment terminal, and authenticates whether the payment user fingerprint information and a pre-stored payment The user fingerprint information is consistent, if the agreement is the same, the payment amount is deducted from the payment account; the payment platform server sends the prompt information to the collection terminal bound by the payment account; the payment platform server Receiving the fingerprint information of the payment user sent by the payment terminal, and authenticating whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user, and if the agreement is the same, the deducted payment amount is paid to the Describe the account number. The method of claim 10, wherein if the fingerprint information of the payment user is inconsistent with the fingerprint information of the pre-stored payment user, the subsequent steps include: the payment that the payment platform server will deduct The amount is returned to the payment account. A computer storage medium, wherein the computer storage medium stores a network payment method, the method comprising: the payment platform server receiving the order information sent by the payment terminal, the order information including a payment account, a payment amount, and a payment account ; The payment platform server sends prompt information to the payment terminal and the collection terminal bound by the payment account; wherein the prompt information is used to prompt input of fingerprint information; the payment platform server receives the payment And the payment user fingerprint information sent by the terminal, and receiving the payment user fingerprint information sent by the payment terminal, and authenticating whether the payment user fingerprint information and the payment user fingerprint information are respectively associated with pre-stored payment The user fingerprint information is consistent with the fingerprint information of the payment user. If they are consistent, the payment operation is performed according to the order information. A computer storage medium, wherein the computer storage medium stores a network payment method, the method comprising: the payment platform server receiving the order information sent by the payment terminal, the order information including a payment account, a payment amount, and a payment account The payment platform server sends prompt information to the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; the payment platform server receives the payment user fingerprint information sent by the payment terminal, and Determining whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, and if yes, deducting the payment amount from the payment account; the payment platform server sends the prompt information to the collection account a binding payment terminal; the payment platform server receives the fingerprint information of the payment user sent by the payment terminal, and authenticates whether the fingerprint information of the payment user is consistent with the fingerprint information of the pre-stored payment user, If they are consistent, the deducted payment amount is paid to the collection account. A payment platform server, the server includes: a receiving unit, configured to receive order information sent by a payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number; and the sending unit is configured to send the prompt information to the server a payment terminal and a collection terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; and the receiving unit is further configured to receive the payment user fingerprint information sent by the payment terminal And receiving the fingerprint information of the payment user sent by the payment terminal; the authentication unit is configured to authenticate whether the payment user fingerprint information and the receipt user fingerprint information are respectively associated with pre-stored payment user fingerprint information and The user fingerprint information is consistent; the operation unit is configured to perform a payment operation according to the order information when the authentication result of the authentication unit is consistent. The payment platform server of claim 15 includes a storage unit configured to store the payment user fingerprint information; wherein the receiving unit is further configured to receive the payment terminal before receiving the order information sent by the payment terminal. a sending request, the sending unit, further configured to send a notification message to the payment terminal in response to the registration request, wherein the notification message is used to prompt input of fingerprint information; and the receiving unit is further configured to receive Payment user fingerprint information sent by the payment terminal. The payment platform server of claim 16, wherein the receiving unit is further configured to receive a registration request sent by the collection terminal; the sending unit is further configured to respond to the registration Receiving, sending the notification message to the payment terminal; the receiving unit is further configured to receive the receipt user fingerprint information sent by the collection terminal; the storage unit is further configured to store the collection user Fingerprint information. The payment platform server according to claim 15, wherein the sending unit is further configured to: at the authentication unit, authenticate the payment user fingerprint information and the receipt user fingerprint information respectively After the stored payment user fingerprint information and the payment user fingerprint information are consistent, the order information confirmation request is sent to the payment terminal, and the order information confirmation request includes the payment account number, the payment amount, and the payment account number; the receiving unit, And after receiving the confirmation response sent by the payment terminal for the order information confirmation request, triggering the operation unit to perform a step of performing a payment operation according to the order information. A payment platform server, the payment platform server includes: a receiving unit, configured to receive order information sent by a payment terminal, where the order information includes a payment account number, a payment amount, and a payment account number; and the sending unit is configured to send the prompt information To the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; The receiving unit is further configured to receive the payment user fingerprint information sent by the payment terminal, and the authentication unit is configured to authenticate whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information; and the operation unit is configured to: When the authentication unit authenticates that the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, the payment amount is deducted from the payment account received by the receiving unit; the sending unit is further used for Sending the prompt information to the payment terminal to which the payment account is bound; the receiving unit is further configured to receive the collection user fingerprint information sent by the collection terminal; the authentication unit is further used to Determining whether the fingerprint information of the payee user is consistent with the pre-stored fingerprint information of the paying user; the operating unit is further configured to authenticate the fingerprint information of the paying user and the fingerprint information of the pre-stored paying user at the authentication unit When they are consistent, the deducted payment amount is paid to the collection account. The payment platform server according to claim 19, wherein the operation unit is further configured to: when the authentication unit authenticates that the fingerprint information of the payment user is inconsistent with the fingerprint information of the pre-stored payment user, The deducted payment amount is returned to the payment account. A network payment system, the network payment system comprising: a payment terminal, configured to send order information to a payment platform server, the order information including a payment account number, a payment amount, and a payment account number; the payment platform server, For receiving the payment sent by the payment terminal Determining the order information, and sending the prompt information to the payment terminal and the payment terminal to which the payment account is bound; wherein the prompt information is used to prompt input of fingerprint information; the payment terminal is further configured to receive the Sending the prompt information sent by the platform server, and sending the payment user fingerprint information input by the payment user to the payment platform server; the payment terminal is configured to receive the payment platform server Sending the prompt information, and sending the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server; the payment platform server is further configured to receive the payment sent by the payment terminal And the payment user fingerprint information, and receiving the payment user fingerprint information sent by the collection terminal, and authenticating whether the payment user fingerprint information and the receipt user fingerprint information are respectively associated with pre-stored payment user fingerprint information It is consistent with the fingerprint information of the receiving user. If they are consistent, the payment operation is performed according to the order information. The system of claim 21, wherein the payment terminal is further configured to send a registration request to a payment platform server before sending the order information to the payment platform server; the payment platform server And in response to the registration request, sending a notification message to the payment terminal, wherein the notification message is used to prompt input of fingerprint information; the payment terminal is further configured to receive the server sent by the payment platform server Transmitting the notification message, and sending the payment user fingerprint information input by the payment user to the payment platform server; the payment platform server is further configured to store the payment user fingerprint letter interest. The system of claim 22, wherein the payment terminal is further configured to send a registration request to the payment platform server; the payment platform server is further configured to respond to the registration Requesting, sending the notification message to the payment terminal; the collection terminal is further configured to receive the notification message sent by the payment platform server, and send the payment user to respond to the notification message input The user fingerprint information is sent to the payment platform server; the payment platform server is further configured to store the fingerprint information of the payment user. The system of claim 21, wherein the payment platform server is further configured to authenticate the payment user fingerprint information and the receipt user fingerprint information respectively with a pre-stored payment user fingerprint. After the information and the payment user fingerprint information are consistent, and before the performing the payment operation according to the order information, sending an order information confirmation request to the payment terminal, the order information confirmation request includes the payment account number, the payment amount, and the receipt The payment terminal is further configured to receive the order information confirmation request sent by the payment platform server, and send a confirmation response to the order information confirmation request input by the payment user to the payment platform servo The payment platform server is further configured to: after receiving the confirmation response sent by the payment terminal for the order information confirmation request, perform the step of performing a payment operation according to the order information. A network payment system, the network payment system comprising: a payment terminal, configured to send order information to a payment platform server, the order information including a payment account number, a payment amount, and a payment account number; the payment platform server, Receiving the order information sent by the payment terminal, and sending prompt information to the payment terminal, wherein the prompt information is used to prompt input of fingerprint information; the payment terminal is configured to receive the payment platform servo And sending the payment user fingerprint information that the payment user inputs to the prompt information to the payment platform server; the payment platform server is further configured to receive the information sent by the payment terminal Determining payment user fingerprint information, and authenticating whether the payment user fingerprint information is consistent with the pre-stored payment user fingerprint information, and if yes, deducting the payment amount from the payment account; the payment platform server is further used for Sending the prompt information to the collection terminal bound to the payment account; the collection terminal is further used for receiving Sending the prompt information sent by the payment platform server, and sending the payment user fingerprint information input by the payment user to the payment platform server to the payment platform server; the payment platform server is further configured to receive And the receipt user fingerprint information sent by the payment terminal, and whether the fingerprint information of the payment user is consistent with the pre-stored fingerprint information of the payment user, and if the agreement is consistent, the deducted payment amount is paid to the Collection account. The system of claim 25, wherein the payment platform server is further configured to authenticate the fingerprint information of the payment user and the pre-payment When the stored payment user fingerprint information is inconsistent, the deducted payment amount is returned to the payment account.