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WO2019006788A1 - 基于步态的支付方法、可穿戴设备及计算机可读存储介质 - Google Patents

基于步态的支付方法、可穿戴设备及计算机可读存储介质 Download PDF

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Publication number
WO2019006788A1
WO2019006788A1 PCT/CN2017/094350 CN2017094350W WO2019006788A1 WO 2019006788 A1 WO2019006788 A1 WO 2019006788A1 CN 2017094350 W CN2017094350 W CN 2017094350W WO 2019006788 A1 WO2019006788 A1 WO 2019006788A1
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Prior art keywords
payment
gait
information
user
preset
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English (en)
French (fr)
Inventor
袁晖
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Shenzhen Ikmak Tech Co ltd
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Shenzhen Ikmak Tech Co ltd
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Publication of WO2019006788A1 publication Critical patent/WO2019006788A1/zh
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes

Definitions

  • the present invention relates to the field of payment, and in particular, to a gait-based payment method, a wearable device, and a computer readable storage medium.
  • the verification elements for ensuring account security are generally: (1) elements that only the customer himself knows, such as static passwords, and the like; (2) elements that are only held by the customer and are unique, non-replicable or non-reusable, Such as digital certificates that are securely certified, electronic signatures, and one-time passwords generated and transmitted through secure channels.
  • elements that only the customer himself knows such as static passwords, and the like
  • elements that are only held by the customer and are unique, non-replicable or non-reusable Such as digital certificates that are securely certified, electronic signatures, and one-time passwords generated and transmitted through secure channels.
  • FIG. 1 is a schematic structural diagram of a wearable device in a hardware operating environment according to an embodiment of the present invention
  • FIG. 2 is a schematic flow chart of a first embodiment of a gait-based payment method according to the present invention
  • FIG. 3 is a schematic flow chart of a second embodiment of a gait-based payment method according to the present invention.
  • FIG. 4 is a schematic flow chart of a third embodiment of a gait-based payment method according to the present invention.
  • FIG. 5 is a schematic flowchart diagram of a fourth embodiment of a gait-based payment method according to the present invention.
  • FIG. 1 is a schematic structural diagram of a wearable device in a hardware operating environment according to an embodiment of the present invention.
  • the wearable device can include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a touch screen, a sensor such as a pressure sensor, etc. to enable detection of wearable pressure of the wearable device, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the wearable device usually has a built-in payment function component, and the payment function component can be an electronic wallet or the like, and can be used for payment.
  • the wearable device can be a smart insole or a smart shoe, etc., and the structure is not limited thereto.
  • FIG. 1 does not constitute a definition of a wearable device, and may include more or fewer components than those illustrated, or some components may be combined, or different component arrangements.
  • a memory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a gait payment method.
  • the network interface 1004 is mainly used to connect to a server for data communication with the server;
  • the user interface 1003 is mainly configured to receive a payment request instruction, and the payment request instruction may be sent by the payment device. It may also be sent by other user equipment;
  • the wearable device calls the gait payment method stored in the memory 1005 through the processor 1001, and performs the following operations:
  • the wearable device detects a device status of the wearable device when acquiring a payment request instruction
  • the obtained payment gait information is matched with the preset payment gait information, and the payment operation is performed according to the matching result.
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • the user is prompted to open the prompt information
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • the payment prompt information is sent to the user again.
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • the opening prompt message is sent to the user to prompt the user to re-enter the opening gait information.
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • the obtained closed gait information is matched with the preset closed gait information.
  • the device status is set to the payment closed state.
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • the payment amount is obtained from the payment instruction, and the payment amount is compared with a preset maximum amount;
  • Performing voice detection acquiring voice information input by the user according to the confirmation prompt information, and performing a payment operation according to the voice information.
  • processor 1001 may call the gait-based payment method stored in the memory 1005, and further perform the following operations:
  • the user When the payment amount does not exceed the preset amount threshold, and the device status is the payment-on state, the user is sent a small amount of prompt information to obtain a payment password input by the user according to the small amount of prompt information, according to the Paying a password to perform a payment operation;
  • the step of issuing payment prompt information to the user when the device status is the payment open state is performed.
  • the invention obtains the payment gait information input by the user, matches the payment gait information with the preset payment gait information, and realizes payment, only through the wearable device and the step input by the user. State information completes the payment process without the need for other external devices, making payment simple and straightforward, and based on individual differences in gait, improves payment security.
  • FIG. 2 is a schematic flowchart diagram of a first embodiment of a gait-based payment method according to the present invention.
  • the gait-based payment method comprises the following steps:
  • the wearable device detects a device status of the wearable device when acquiring a payment request instruction
  • the payment request instruction may be sent by the payment device.
  • the user buys water at the convenience store, and the owner of the convenience store sends an instruction to request payment to the user's smart insole through the payment device.
  • the payment request instruction may also be sent by other user equipments.
  • the A user buys an air conditioner in the shopping mall, and because there is not enough money to pay, the B user pays for the B user, and the A user sends a request to the smart shoe of the B user through the smart phone. Payment request instruction.
  • the payment device may send a payment request instruction to the wearable device when the distance between the user and the payment device is within a certain range, for example, at the cash register. Before, the carpet is laid, and the carpet defines a distance range in which the payment instruction can be received. Within the distance, the payment device can send a payment request instruction to the wearable device.
  • a shoe print may be drawn on the carpet, and when the user steps on the shoe print, the payment device may be communicated to perform a payment operation. The shoe print is drawn on the carpet, similar to the shoe prints on the ground waiting for the subway.
  • the device status of the wearable device includes: a payment on state and a payment off state, detecting a device status of the wearable device, determining whether the device has enabled a payment function, that is, whether the device status is in The payment is turned on, and the subsequent payment operation can be performed when the device status is in the payment open state.
  • S20 Send a payment prompt message to the user when the device status is a payment open state
  • the payment prompt information is to prompt the user to input payment gait information to complete the payment operation.
  • the payment prompt information may be a voice prompt, for example, please input a voice prompt such as a payment password or a drop, or a vibration prompt, such as: continuous vibration twice or 5 seconds continuous vibration, etc., or other
  • a voice prompt such as a payment password or a drop
  • a vibration prompt such as: continuous vibration twice or 5 seconds continuous vibration, etc., or other
  • this embodiment does not limit this.
  • the wearable device has a built-in payment function component, such as an electronic wallet, etc., and the payment function component is activated, and the wearable device is in a payment open state, and the wearable device is available at this time. For payment.
  • a built-in payment function component such as an electronic wallet, etc.
  • the wearable device is a smart shoe
  • the smart shoe has an electronic wallet built in, and the electronic wallet needs to be activated to make payment using the electronic wallet, and the electronic wallet is activated, that is, the smart shoe is at Payment is turned on.
  • S30 Perform gait information detection, and obtain payment gait information input by the user according to the payment prompt information;
  • a sensor is built in the wearable device, and can be used for detecting a gait of the user.
  • the payment gait information is input, and the payment is performed.
  • the gait information is a payment password in the form of a gait for payment, and the payment gait information may be that the user picks up the toes and gently taps the ground three times with the heel, or lifts the left foot for more than three seconds, or the right toe does not
  • the gait information is pressed down vigorously, which is not limited in this embodiment.
  • the preset payment gait information is a payment password in the form of a gait preset by the user, and the preset payment gait information may be pre-stored in the memory of the wearable device, or may be stored in the memory.
  • the server obtains the preset payment gait information from the server at the time of payment.
  • the obtained payment gait information is matched with the preset payment gait information, and the matching is successful, and the obtained payment gait information and the preset payment gait information are within the allowable difference range, and the matching is successful, and the payment is made. success.
  • the gait has individual differences, and even if the payment password is leaked, other users use the wearable device to pay using the same gait action, and the payment cannot be realized.
  • the wearable device is a smart insole, and the user wears a pair of shoes equipped with the smart insole.
  • the user intends to buy a bottle of water when passing through the convenience store.
  • the owner of the convenience store uses the payment device to the user.
  • the smart insole sends a request for payment instruction, and when the smart insole receives the request for payment instruction, detecting that the smart insole is in a payment open state, a voice prompt is sent to the user: please input a payment password, and the user picks up the toes and uses The heel gently taps the ground three times.
  • the wearable device performs gait information detection, obtains the gait information input by the user and taps the ground three times with the heel, and matches it with the preset payment gait information.
  • the preset payment gait information is that when the toe is lifted and the ground is hit three times with the heel, that is, the matching is successful, the smart insole returns a payment confirmation message to the payment device of the convenience store, that is, the payment is
  • the wearable device is a smart shoe, and the user can set the smart shoe to a payment open state in advance, and the payment gait information of the smart shoe set by the user is pressed downward by the right toe. .
  • the user wears the smart shoes to take the bus, and a small piece of carpet printed on the side of the bus collection device is printed.
  • the user only needs to step on the shoe print, and the payment device on the bus sends a payment reminder to the user.
  • Information the user's right toe does not move down and press hard to complete the payment. It is convenient and quick to use the wearable device for public transportation.
  • the wearable device when the wearable device is in the payment-on state, the payment gait information input by the user is acquired, and the payment gait information is matched with the preset payment gait information to implement payment, which is only input through the wearable device and the user.
  • the gait information completes the payment process without the need for other external devices, making the payment simple and straightforward, and based on the individual differences of gait, improves the security of payment.
  • a second embodiment of the gait-based payment method of the present invention is proposed based on the first embodiment.
  • S101 Send an opening prompt message to the user when the device status is a payment off state
  • the device status includes: a payment on state and a payment off state, where the payment off state is a state when the payment function of the wearable device is not turned on, and the payment cannot be performed, and the opening prompt message is sent to the user.
  • the opening prompt information is an opening password prompting the user to input a gait form of opening the payment function of the wearable device.
  • the opening prompt information may be a voice prompt, for example, please input a voice prompt such as a password or a drip, or a vibration prompt, such as: continuous vibration three times or 3 seconds continuous vibration, etc., or other
  • the form of the prompt information this embodiment does not limit this.
  • S102 Acquire the opening gait information input by the user according to the opening prompt information, and match the opening gait information with the preset opening gait information. When the matching is successful, set the device status to a payment enabled state.
  • the wearable device has a built-in sensor, which can be used for detecting the gait of the user.
  • the gait information is input, and the opening is started.
  • the gait information is an open password for opening the gait form of the wearable device payment function, and the opening gait information may be that the user picks up the toes and gently taps the ground twice with the heel, or lifts the left foot continuously. For more than five seconds, or the right toe does not move the two gait information downwards, which is not limited in this embodiment.
  • the preset start gait information is an open password in the form of a gait preset by the user, and is used to enable the payment function of the wearable device
  • the preset open gait information may be pre-stored in the
  • the memory of the wearable device may also be stored in the server, and the preset open gait information is acquired from the server when the payment function is enabled.
  • the obtained gait information is matched with the preset gait information. If the matching is successful, the user can input the gait information and the preset gait information within the allowable difference range, and the matching is successful.
  • the payment function is successfully enabled, that is, the device status is set to the payment on state.
  • the user may wear the wearable device, and after obtaining a few steps, obtain the gait information of the user, and match the gait information with the preset gait information, and the matching is successful. Then, it is confirmed that the identity of the user is correct, and the electronic wallet built in the wearable device is activated, that is, the device state is set to the payment on state.
  • the method further includes the steps of:
  • the payment prompt information is sent to the user again.
  • the preset payment gait information preset by the user is to lift the left foot for more than three seconds, and the payment step input by the user.
  • the status information is that the heel hits the ground three times. If the two do not match, the payment prompt information is sent to the user again (for example, please input a payment password), and the user inputs the payment gait information again.
  • the method further includes:
  • the wearable device may be stolen or lost by others, and usually limits the number of times the payment gait information is input. Each time the acquired payment gait information fails to match the preset payment gait information, And sending the payment prompt information to the user again, if the number of times the payment prompt information is sent exceeds a preset number of times threshold (for example, three times), setting the device state of the wearable device to a payment closed state, and the payment is closed. The wearable device cannot make a payment.
  • a preset number of times threshold for example, three times
  • the gait has individual differences, and even if the payment password is leaked, other users use the wearable device to perform payment using the same gait action, and payment cannot be realized.
  • the wearable device is an insole, and the insole of the A user is stolen by other people.
  • the preset payment gait information of the A user is to lift the left foot for more than three seconds, and when the pirate pays, the left foot continues to exceed Three seconds, the gait information that the thief inputs to lift the left foot for more than three seconds is matched with the A user's preset payment gait information that lifts the left foot for more than three seconds, because the individual variability of the gait matches failure.
  • the smart insole sends out a payment prompt message again (voice prompt: please input a password), and the thief again lifts the left foot for more than three seconds, and again enters the gait information that the thief inputs and lifts the left foot for more than three seconds.
  • the preset number of times threshold is 3 times, and when the number of matching failures is 4 times, the prompt information is also sent 4 times, exceeding The preset number of times threshold, at this time, the smart insole sets the device state to the payment closed state, and cannot perform payment.
  • the device status is set to the payment closed state, and the method further includes:
  • the opening prompt message is sent to the user to prompt the user to re-enter the opening gait information.
  • the device state of the wearable device is set to the payment off state, and the opening prompt information is sent to the user, and the user knows the device when receiving the opening prompt information.
  • the payment function has been disabled. If the payment is required, the payment gait information needs to be entered according to the opening prompt information, and the device status is set to the payment open state before the payment can be continued.
  • the method further includes the steps of:
  • S50 Send a payment completion prompt message to the user, and obtain the closed gait information input by the user according to the payment completion prompt information;
  • the payment completion prompt information is used to prompt the user that the payment has been successful, and the payment completion prompt information may be a voice prompt, such as a voice prompt such as a successful payment or an end of payment, or may be a vibration prompt, such as:
  • the vibration prompts such as the continuous vibration for 2 seconds may also be other forms of prompt information, which is not limited in this embodiment.
  • the closing gait information is a password for closing the gait form of the wearable device payment function, and the closing gait information may be that the user picks up the toes and gently taps the ground with the heel, or lifts the left foot continuously. More than two seconds, or the right toe is pressed down and the gait information is pressed down, which is not limited in this embodiment.
  • S60 Match the obtained closed gait information with the preset closed gait information. When the matching is successful, set the device status to the payment closed state.
  • the preset closed gait information is a closed password in the form of a gait preset by the user, and is used to disable the payment function of the wearable device, and the preset closed gait information may be pre-stored in the
  • the memory of the wearable device may also be stored in the server, and the preset closed gait information is acquired from the server when the payment function is turned off.
  • the obtained closed gait information is matched with the preset closed gait information. If the matching is successful, the closed gait information input by the user and the preset closed gait information may be within the allowable difference range, and the matching is successful.
  • the payment function is turned off, that is, the device status is set to the payment off state.
  • the setting and the closing of the payment function of the wearable device are controlled by setting the device state of the wearable device, and the payment can be performed when the device state of the wearable device is the payment open state.
  • the device status is set to the payment closed state, which further ensures that the account of the electronic wallet built in the wearable device is secure.
  • the payment function needs to be started first, and the payment function is improved. The security of the payment.
  • a third embodiment of the gait-based payment method of the present invention is proposed based on the first embodiment.
  • step S40 includes the following steps:
  • the wearable device has a built-in sensor, which can be used to detect the gait of the user.
  • the payment gait information is input, and the payment is performed.
  • the gait information is a payment password in the form of a gait for payment, and the payment gait information may be that the user picks up the toes and gently taps the ground three times with the heel, or lifts the left foot for more than three seconds, or the right toe does not
  • the gait information is pressed down vigorously, which is not limited in this embodiment.
  • the preset payment gait information is a payment password in the form of a gait preset by the user.
  • the obtained payment gait information is matched with the preset payment gait information, and the matching is successful, and the obtained payment gait information and the preset payment gait information are within the allowable difference range, and the matching is successful, and the payment is made. success.
  • the user can set the maximum payment amount, that is, the preset maximum amount, and when the payment is made, if a large amount of payment is encountered, Obtaining a payment amount from the payment instruction, comparing the payment amount with the preset maximum amount, thereby allowing the user to have a further confirmation opportunity for a larger amount of payment, if not wanting to pay or encountering payment In the case of an incorrect command, the payment can also be revoked.
  • the maximum payment amount that is, the preset maximum amount
  • S403 Send a confirmation prompt message to the user when the payment amount exceeds the preset maximum amount
  • the confirmation prompt information is used to prompt the user to confirm the payment amount, so as to avoid the payment instruction error or other abnormal situation, and remind the user to confirm.
  • the prompt information may be a voice prompt, such as: please confirm the payment amount, or the voice payment exceeds the maximum payment amount, please confirm the voice prompt, or may be a vibration prompt, such as: continuous vibration three times or keep 3 seconds continuous vibration prompts, etc. It can also be other forms of prompt information, which is not limited in this embodiment.
  • S404 Perform voice detection, obtain voice information input by the user according to the confirmation prompt information, and perform a payment operation according to the voice information.
  • the voice feature and the gait feature may be combined to complete payment
  • the wearable device has a built-in sensor, which can be used to detect voice information, and the voice information is sent after the user confirms the current payment amount.
  • Payment operation instructions such as confirmation of payment or cancellation of voice information such as payment.
  • the payment operation may be a confirmation payment, or may be a cancellation of the current payment.
  • a fourth embodiment of the gait-based payment method of the present invention is proposed based on the first embodiment.
  • S103 Obtain a payment amount from the payment instruction, and determine whether the payment amount exceeds a preset amount threshold;
  • the payment instruction usually includes payment related information such as payment amount or payment commodity information, and the payment amount can be obtained from the payment instruction.
  • the preset threshold is a range of the amount of the micropayment set by the customer. For example, the user sets 300 yuan as the preset threshold, and when the payment amount is less than or equal to 300 yuan, it is determined as a small payment.
  • step S20 is performed;
  • the preset credit threshold is a credit range set by the customer, and when the payment amount exceeds the credit range set by the customer, the status of the device is enabled to be turned on.
  • the user sends a payment prompt message, the user is prompted to enter a payment password to make a payment.
  • S104 Send a small prompt message to the user when the device status is a payment open state
  • the small prompt information may be a voice prompt information, for example: current
  • the voice information for a small amount of payment or the current amount of payment may also be a vibration prompt, such as a prompt of three consecutive vibrations or three seconds of continuous vibration, and may also be other forms of prompt information, which is not used in this embodiment. limit.
  • S105 Acquire a payment password input by the user according to the small amount of prompt information, and perform a payment operation according to the payment password.
  • the payment password and the gait feature can be combined to complete the payment, and when the micropayment is performed, the payment gait information is not required, and the payment password can be used to complete the payment.
  • the payment password may be voice information, or may be fingerprint information, or may be manually input a payment code, which is not limited in this embodiment.
  • the wearable device has a built-in sensor, which can be used to detect voice information, and the payment password is voice information, for example, saying “agree” directly to the payment device or reporting the payment amount, the wearable After the device detects the voice information, the current micropayment can be completed.
  • the fingerprint information or the payment code is usually input on the payment device, and the payment device inputs the fingerprint information or the payment code.
  • the information is sent to the wearable device, and the wearable device matches the fingerprint information or the payment code information with preset fingerprint information or payment code information, and if the matching is successful, the payment is successful.
  • the preset fingerprint information or payment code information is a payment password in the form of a fingerprint set by a user or a payment password in the form of a payment code, and the payment code may be a text code formed by a number, a letter or a combination thereof.
  • the preset fingerprint information or payment code information may be pre-stored in the memory of the wearable device, or may be stored in a server, and the preset fingerprint information or payment code information is acquired from the server at the time of payment.
  • the embodiment of the present invention further provides a computer readable storage medium, where the readable payment method is stored on the computer readable storage medium, and the gait payment method is executed by the processor to:
  • the wearable device detects a device status of the wearable device when acquiring a payment request instruction
  • the obtained payment gait information is matched with the preset payment gait information, and the payment operation is performed according to the matching result.
  • the user is prompted to open the prompt information
  • the payment prompt information is sent to the user again.
  • the opening prompt message is sent to the user to prompt the user to re-enter the opening gait information.
  • the obtained closed gait information is matched with the preset closed gait information.
  • the device status is set to the payment closed state.
  • the payment amount is obtained from the payment instruction, and the payment amount is compared with a preset maximum amount;
  • Performing voice detection acquiring voice information input by the user according to the confirmation prompt information, and performing a payment operation according to the voice information.
  • the user When the payment amount does not exceed the preset amount threshold, and the device status is the payment-on state, the user is sent a small amount of prompt information to obtain a payment password input by the user according to the small amount of prompt information, according to the Pay the password to perform the payment operation.
  • the wearable device when the wearable device is in the payment-on state, the payment gait information input by the user is acquired, and the payment gait information is matched with the preset payment gait information to implement payment, which is only input through the wearable device and the user.
  • the gait information completes the payment process without the need for other external devices, making the payment simple and straightforward, and based on the individual differences of gait, improves the security of payment.
  • the embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course hardware, but in many cases the former is a better implementation.
  • the present invention The portion of the technical solution that contributes in essence or to the prior art can be embodied in the form of a software product stored in a storage medium as described above (e.g., ROM/RAM, disk, light).
  • the disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present invention.

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Abstract

一种基于步态的支付方法、可穿戴设备及计算机可读存储介质，所述方法包括：可穿戴设备在获取到支付请求指令时，检测所述可穿戴设备的设备状态（S10）；在所述设备状态为支付开启状态时，向用户发出支付提示信息（S20）；进行步态信息检测，获取用户根据所述支付提示信息输入的支付步态信息（S30）；将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作（S40）。本方法通过可穿戴设备处于支付开启状态时，获取用户输入的支付步态信息，将所述支付步态信息与预设支付步态信息匹配从而实现支付，仅通过可穿戴设备及用户输入的步态信息完成支付过程，无需借助其他外置设备，使得支付简单直接，且基于步态的个体差异性，提高了支付的安全性。

Description

基于步态的支付方法、可穿戴设备及计算机可读存储介质
技术领域
本发明涉及支付领域，尤其涉及一种基于步态的支付方法、可穿戴设备及计算机可读存储介质。
背景技术
现有技术中，确保账户安全的验证要素通常为：（1）仅客户本人知悉的要素，如静态密码等；（2）仅客户本人持有并特有的，不可复制或者不可重复利用的要素，如经过安全认证的数字证书、电子签名，以及通过安全渠道生成和传输的一次性密码等。上述两种要素不能一者泄露，以免导致其他要素连带泄露，而威胁账户安全。
现有支付方式，普遍依赖于手机等外接设备，客户在进行支付时，不够简单直接。同时，一些现有的穿戴支付工具，例如具备闪付功能的支付手环，不具备生物识别的唯一性，也就是说，谁带上这个手环，都可以向外支付，仅类似于普通的公交卡，支付安全性不高。
上述内容仅用于辅助理解本发明的技术方案，并不代表承认上述内容是现有技术。
附图说明
图1为本发明实施例方案涉及的硬件运行环境的可穿戴设备结构示意图；
图2为本发明基于步态的支付方法第一实施例的流程示意图；
图3为本发明基于步态的支付方法第二实施例的流程示意图；
图4为本发明基于步态的支付方法第三实施例的流程示意图；
图5为本发明基于步态的支付方法第四实施例的流程示意图；
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
参照图1，图1为本发明实施例方案涉及的硬件运行环境的可穿戴设备的结构示意图。
如图1所示，该可穿戴设备可以包括：处理器1001，例如CPU，通信总线1002、用户接口1003，网络接口1004，存储器1005。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如触摸屏，传感器比如压力传感器等，以实现检测可穿戴设备的穿戴处压力，可选用户接口1003还可以包括标准的有线接口、无线接口。网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
所述可穿戴设备通常内置有支付功能的部件，所述支付功能部件可以是电子钱包等，可用于支付，所述可穿戴设备可为智能鞋垫或智能鞋等，本结构对此不加以限制。
本领域技术人员可以理解，图1中示出的结构并不构成对可穿戴设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及基于步态支付方法程序。
在图1所示的可穿戴设备中，网络接口1004主要用于连接服务器，与服务器进行数据通信；用户接口1003主要用于接收支付请求指令，所述支付请求指令可为收款设备发送的，也可以是其他用户设备发送的；所述可穿戴设备通过处理器1001调用存储器1005中存储的基于步态支付方法程序，并执行以下操作：
可穿戴设备在获取到支付请求指令时，检测所述可穿戴设备的设备状态；
在所述设备状态为支付开启状态时，向用户发出支付提示信息；
进行步态信息检测，获取用户根据所述支付提示信息输入的支付步态信息；
将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
在所述设备状态为支付关闭状态时，向用户发出开启提示信息；
获取用户根据所述开启提示信息输入的开启步态信息，将所述开启步态信息与预设开启步态信息进行匹配，匹配成功时，将所述设备状态设置为支付开启状态。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
在所述获取的支付步态信息与预设支付步态信息匹配失败时，再次向用户发出所述支付提示信息。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
获取发出所述支付提示信息的次数，在所述次数超过预设次数阈值时，将所述设备状态设置为支付关闭状态。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
向用户发出所述开启提示信息，以提示用户重新输入所述开启步态信息。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
向用户发出支付完成提示信息，获取用户根据所述支付完成提示信息输入的关闭步态信息；
将获取的关闭步态信息与预设关闭步态信息进行匹配，匹配成功时，将所述设备状态设置为支付关闭状态。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
将获取的支付步态信息与预设支付步态信息进行匹配；
在所述匹配结果为匹配成功时，从所述支付指令中获取支付金额，将所述支付金额与预设最大金额进行比对；
在所述支付金额超过所述预设最大金额时，向用户发出确认提示信息；
进行语音检测，获取用户根据所述确认提示信息输入的语音信息，根据所述语音信息进行支付操作。
进一步地，处理器1001可以调用存储器1005中存储的基于步态支付方法程序，还执行以下操作：
从所述支付指令中获取支付金额，判断所述支付金额是否超过预设额度阈值；
在所述支付金额不超过所述预设额度阈值，并且所述设备状态为支付开启状态时，向用户发出小额提示信息，获取用户根据所述小额提示信息输入的支付密码，根据所述支付密码进行支付操作；
在所述支付金额超过所述预设额度阈值时，执行所述在所述设备状态为支付开启状态时，向用户发出支付提示信息的步骤。
本发明通过可穿戴设备处于支付开启状态时，获取用户输入的支付步态信息，将所述支付步态信息与预设支付步态信息匹配从而实现支付，仅通过可穿戴设备及用户输入的步态信息完成支付过程，无需借助其他外置设备，使得支付简单直接，且基于步态的个体差异性，提高了支付的安全性。
基于上述硬件结构，提出本发明基于步态的支付方法实施例。
参照图2，图2为本发明基于步态的支付方法第一实施例的流程示意图。
在第一实施例中，所述基于步态的支付方法包括以下步骤：
S10：可穿戴设备在获取到支付请求指令时，检测所述可穿戴设备的设备状态；
可理解的是，所述支付请求指令可以是收款设备发送的，例如：用户在便利店买水，便利店的老板通过收款设备向用户的智能鞋垫发送了请求支付的指令。所述支付请求指令也可以是其他用户设备发送的，比如：A用户在商场买空调，由于没有足够的金额支付，找B用户代付，A用户通过智能手机向B用户的智能鞋发送请求代付的支付请求指令。
需要说明的是，为了防止收到干扰信息，可设置当用户与收款设备的距离在一定范围内时，收款设备才可向所述可穿戴设备发送支付请求指令，例如：可在收银台前，铺置地毯，地毯上限定可接收支付指令的距离范围，在距离范围内，收款设备才可向所述可穿戴设备发送支付请求指令。在具体实现中，为了方便，可在地毯上画上鞋印，当用户踩在所述鞋印上，即可与所述收款设备进行通信，以进行支付操作。所述在地毯上画上鞋印，类似于在乘坐地铁时，等待区域地面上画有的鞋印。
应理解的是，所述可穿戴设备的设备状态包括：支付开启状态和支付关闭状态，检测所述可穿戴设备的设备状态，判断所述设备是否已经开启支付功能，即所述设备状态是否处于支付开启状态，在设备状态处于支付开启状态，才能进行后续的支付操作。
S20：在所述设备状态为支付开启状态时，向用户发出支付提示信息；
需要说明的是，所述支付提示信息为提示用户输入支付步态信息，以完成支付操作。所述支付提示信息可以为语音提示，如：请输入支付密码或滴滴两声等语音提示，也可以是震动提示，如：连续震动两次或保持5秒持续震动等提示，还可以是其他形式的提示信息，本实施例对此不加以限制。
可理解的是，通常所述可穿戴设备内置有支付功能的部件，比如电子钱包等，所述支付功能部件被激活则所述可穿戴设备处于支付开启状态，此时所述可穿戴设备才可用于支付。
例如：所述可穿戴设备为智能鞋，所述智能鞋内置有电子钱包，需激活所述电子钱包，才能使用所述电子钱包进行支付，所述电子钱包被激活，也即所述智能鞋处于支付开启状态。
S30：进行步态信息检测，获取用户根据所述支付提示信息输入的支付步态信息；
应理解的是，所述可穿戴设备中内置有传感器，可用于对用户的步态进行检测，在用户接收到所述可穿戴设备发出的支付提示信息，则输入支付步态信息，所述支付步态信息即用于支付的步态形式的支付密码，所述支付步态信息可以是用户踮起脚尖并用脚后跟轻轻敲打地面三次，或者，提起左脚持续超过三秒，或者，右脚趾不动声色地用力向下按一下等步态信息，本实施例对此不加以限制。
S40：将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作。
可理解的是，所述预设支付步态信息为用户预先设置的步态形式的支付密码，所述预设支付步态信息可以预先存储在所述可穿戴设备的存储器中，也可以存储在服务器，在支付时从服务器获取所述预设支付步态信息。将获取的支付步态信息与预设支付步态信息进行匹配，所述匹配成功，可以是所述获取的支付步态信息与预设支付步态信息在允许差异范围内，匹配成功，则支付成功。
需说明的是，步态具有个体差异性，即使支付密码泄露，其他用户使用所述可穿戴设备，使用相同的步态动作进行支付，也无法实现支付。
比如：所述可穿戴设备为智能鞋垫，用户穿了一双配有所述智能鞋垫的鞋子，用户在经过便利店时打算买一瓶水，在支付时，便利店的老板通过收款设备向用户的智能鞋垫发送了请求支付指令，所述智能鞋垫接收到所述请求支付指令时，检测到所述智能鞋垫处于支付开启状态，则向用户发出语音提示：请输入支付密码，用户踮起脚尖并用脚后跟轻轻敲打地面三次，所述可穿戴设备进行步态信息检测，获取用户输入的踮起脚尖并用脚后跟轻轻敲打地面三次的步态信息，将其与预设支付步态信息进行匹配，在预设支付步态信息为踮起脚尖并用脚后跟轻轻敲打地面三次时，即匹配成功，所述智能鞋垫向便利店的收款设备回复支付确认信息，即完成了支付。
再如：所述可穿戴设备为智能鞋，用户可预先将所述智能鞋设置为支付开启状态，用户设置的所述智能鞋的支付步态信息为右脚趾不动声色地用力向下按一下。用户穿了所述智能鞋乘坐公交，在公交收款设备旁铺有印制鞋印的小块地毯，用户只需踏上鞋印，公交上的收款设备向用户发出请投币等支付提示信息，用户右脚趾不动声色地用力向下按一下，即完成了支付。使用所述可穿戴设备进行公交支付方便快捷。
本实施例通过可穿戴设备处于支付开启状态时，获取用户输入的支付步态信息，将所述支付步态信息与预设支付步态信息匹配从而实现支付，仅通过可穿戴设备及用户输入的步态信息完成支付过程，无需借助其他外置设备，使得支付简单直接，且基于步态的个体差异性，提高了支付的安全性。
参照图3，基于第一实施例提出本发明基于步态的支付方法第二实施例。
本实施例中，在所述步骤S10之后，还包括以下步骤：
S101：在所述设备状态为支付关闭状态时，向用户发出开启提示信息；
应理解的是，所述设备状态包括：支付开启状态和支付关闭状态，所述支付关闭状态为所述可穿戴设备的支付功能未开启时的状态，不能进行支付，则向用户发出开启提示信息，所述开启提示信息为提示用户输入开启所述可穿戴设备的支付功能的步态形式的开启密码。所述开启提示信息可以为语音提示，如：请输入开启密码或滴滴滴三声等语音提示，也可以是震动提示，如：连续震动三次或保持3秒持续震动等提示，还可以是其他形式的提示信息，本实施例对此不加以限制。
S102：获取用户根据所述开启提示信息输入的开启步态信息，将所述开启步态信息与预设开启步态信息进行匹配，匹配成功时，将所述设备状态设置为支付开启状态。
可理解的是，所述可穿戴设备中内置有传感器，可用于对用户的步态进行检测，在用户接收到所述可穿戴设备发出的开启提示信息，则输入开启步态信息，所述开启步态信息即用于开启所述可穿戴设备支付功能的步态形式的开启密码，所述开启步态信息可以是用户踮起脚尖并用脚后跟轻轻敲打地面两次次，或者，提起左脚持续超过五秒，或者，右脚趾不动声色地用力向下按两下等步态信息，本实施例对此不加以限制。
需要说明的是，所述预设开启步态信息为用户预先设置的步态形式的开启密码，用于开启所述可穿戴设备的支付功能，所述预设开启步态信息可以预先存储在所述可穿戴设备的存储器中，也可以存储在服务器，在开启支付功能时从服务器获取所述预设开启步态信息。将获取的开启步态信息与预设开启步态信息进行匹配，所述匹配成功，可以是所述用户输入的开启步态信息与预设开启步态信息在允许差异范围内，匹配成功，则支付功能开启成功，即设备状态设置为支付开启状态。
在具体实现中，为了方便，也可在用户穿上所述可穿戴设备，行走几步后，获取用户的步态信息，将所述步态信息与预设步态信息进行匹配，匹配成功，则确认用户的身份正确，同时激活所述可穿戴设备中内置的所述电子钱包，即将设备状态设置为支付开启状态。
进一步地，在所述将获取的支付步态信息与预设支付步态信息进行匹配之后，还包括步骤：
在所述获取的支付步态信息与预设支付步态信息匹配失败时，再次向用户发出所述支付提示信息。
应理解的是，当用户输入的支付步态信息与预设支付步态信息匹配失败，比如：用户预先设置的预设支付步态信息为提起左脚持续超过三秒，而用户输入的支付步态信息为脚后跟敲打地面三次，两者不匹配，则再次向用户发出所述支付提示信息（例如：请输入支付密码），用户再次输入支付步态信息。
进一步地，所述在所述获取的支付步态信息与预设支付步态信息匹配失败时，再次向用户发出所述支付提示信息之后，还包括：
获取发出所述支付提示信息的次数，在所述次数超过预设次数阈值时，将所述设备状态设置为支付关闭状态。
可理解的是，所述可穿戴设备可能被其他人盗用或丢失，通常会限制输入支付步态信息的次数，每次所述获取的支付步态信息与预设支付步态信息匹配失败，会再次向用户发出所述支付提示信息，在所述支付提示信息的发出次数超过预设次数阈值（比如3次），则将所述可穿戴设备的设备状态设置为支付关闭状态，处于支付关闭状态的可穿戴设备无法进行支付。
需要说明的是，步态具有个体差异性，即使支付密码泄露，其他用户使用所述可穿戴设备，使用相同的步态动作进行支付，也无法实现支付。
例如：所述可穿戴设备为鞋垫，A用户的所述鞋垫被其他人盗用，A用户的预设支付步态信息为提起左脚持续超过三秒，当盗用者在支付时提起左脚持续超过三秒，将盗用者输入的提起左脚持续超过三秒的步态信息与A用户的提起左脚持续超过三秒的预设支付步态信息进行匹配，因为步态的个体差异性，则匹配失败。匹配失败时，所述智能鞋垫再次发出支付提示信息（语音提示：请输入密码），盗用者再次提起左脚持续超过三秒，再次将盗用者输入的提起左脚持续超过三秒的步态信息与A用户的提起左脚持续超过三秒的预设支付步态信息进行匹配，所述预设次数阈值为3次，在匹配失败次数为4次时，所述提示信息也发出4次，超过所述预设次数阈值，此时，所述智能鞋垫将设备状态设置为支付关闭状态，不能进行支付。
进一步地，在所述获取发出所述支付提示信息的次数，在所述次数超过预设次数阈值时，将所述设备状态设置为支付关闭状态之后，还包括：
向用户发出所述开启提示信息，以提示用户重新输入所述开启步态信息。
可理解的是，在多次匹配失败，所述可穿戴设备的设备状态设置为支付关闭状态后，向用户发出所述开启提示信息，用户在接收到所述开启提示信息时，知晓所述设备已经关闭支付功能，如果需要再次支付，需要根据所述开启提示信息，输入开启支付步态信息，将所述设备状态设置为支付开启状态之后，才能继续进行支付。
在所述步骤S40之后，还包括步骤：
S50：向用户发出支付完成提示信息，获取用户根据所述支付完成提示信息输入的关闭步态信息；
应理解的是，所述支付完成提示信息用于提示用户已经支付成功，所述支付完成提示信息可以为语音提示，如：支付成功或支付结束等语音提示，也可以是震动提示，如：保持2秒持续震动等震动提示，还可以是其他形式的提示信息，本实施例对此不加以限制。
可理解的是，为了保证所述可穿戴设备中内置的电子钱包的安全，在支付完成时，用户可以将所述电子钱包的支付功能关闭。所述关闭步态信息即用于关闭所述可穿戴设备支付功能的步态形式的密码，所述关闭步态信息可以是用户踮起脚尖并用脚后跟轻轻敲打地面一次，或者，提起左脚持续超过两秒，或者，右脚趾不动声色地用力向下按一下等步态信息，本实施例对此不加以限制。
S60：将获取的关闭步态信息与预设关闭步态信息进行匹配，匹配成功时，将所述设备状态设置为支付关闭状态。
需说明的是，所述预设关闭步态信息为用户预先设置的步态形式的关闭密码，用于关闭所述可穿戴设备的支付功能，所述预设关闭步态信息可以预先存储在所述可穿戴设备的存储器中，也可以存储在服务器，在关闭支付功能时从服务器获取所述预设关闭步态信息。将获取的关闭步态信息与预设关闭步态信息进行匹配，所述匹配成功，可以是所述用户输入的关闭步态信息与预设关闭步态信息在允许差异范围内，匹配成功，则支付功能关闭，即设备状态设置为支付关闭状态。
本实施例，通过设置所述可穿戴设备的设备状态，来控制所述可穿戴设备的支付功能的开启和关闭，在所述可穿戴设备的设备状态为支付开启状态时，方可进行支付，在多次支付失败及支付完成时将所述设备状态设置为支付关闭状态，进一步保证了所述可穿戴设备中内置的电子钱包的账户安全，在进行支付时，需要先开启支付功能，提高了支付的安全性。
参照图4，基于第一实施例提出本发明基于步态的支付方法第三实施例。
在本实施例中，所述步骤S40，具体包括以下步骤：
S401：将获取的支付步态信息与预设支付步态信息进行匹配；
可理解的是，所述可穿戴设备中内置有传感器，可用于对用户的步态进行检测，在用户接收到所述可穿戴设备发出的支付提示信息，则输入支付步态信息，所述支付步态信息即用于支付的步态形式的支付密码，所述支付步态信息可以是用户踮起脚尖并用脚后跟轻轻敲打地面三次，或者，提起左脚持续超过三秒，或者，右脚趾不动声色地用力向下按一下等步态信息，本实施例对此不加以限制。
应理解的是，所述预设支付步态信息为用户预先设置的步态形式的支付密码。将获取的支付步态信息与预设支付步态信息进行匹配，所述匹配成功，可以是所述获取的支付步态信息与预设支付步态信息在允许差异范围内，匹配成功，则支付成功。
S402：在所述匹配结果为匹配成功时，从所述支付指令中获取支付金额，将所述支付金额与预设最大金额进行比对；
可理解的是，为了进一步保证所述可穿戴设备中电子钱包的账户安全，用户可设置最大支付金额，即所述预设最大金额，在支付时，如果遇到较大额度的支付时，可从所述支付指令中获取支付金额，将所述支付金额与所述预设最大金额进行比对，从而让用户对于较大额度的支付有更进一步确认的机会，如果不想支付或者是遇到支付指令错误的情况，还可以撤销支付。
S403：在所述支付金额超过所述预设最大金额时，向用户发出确认提示信息；
应理解的是，所述确认提示信息用于提示用户确认支付金额，以免遇到支付指令错误或其他异常情况，提醒用户确认。所述提示信息可以为语音提示，如：请确认支付金额，或者，支付金额超过最大支付金额请确认等语音提示，也可以是震动提示，如：连续震动三次或保持3秒持续震动等提示，还可以是其他形式的提示信息，本实施例对此不加以限制。
S404：进行语音检测，获取用户根据所述确认提示信息输入的语音信息，根据所述语音信息进行支付操作。
在具体实现中，为了方便，可将语音特征与步态特征结合完成支付，所述可穿戴设备中内置传感器，可用于检测语音信息，所述语音信息为用户对当前支付金额确认后，发出的支付操作指令，例如：确认支付或者撤销支付等语音信息。所述支付操作可以是确认支付，也可以是撤销本次的支付。
本实施例中，对于出现较大金额的支付情况，通过发出确认提示信息，让用户有更进一步确认的机会，从而减少因金额输入错误等其他异常情况而出现的较大金额的支付，更进一步保证了所述可穿戴设备中的账户安全。
参照图5，基于第一实施例提出本发明基于步态的支付方法第四实施例。
在本实施例中，在所述步骤S20之前，还包括以下步骤：
S103：从所述支付指令中获取支付金额，判断所述支付金额是否超过预设额度阈值；
可理解的是，所述支付指令中通常会包含支付金额或支付商品信息等支付相关信息，则可从所述支付指令中获取支付金额。为了方便，通常在进行小额支付时，可以设置无需输入支付密码，即可完成支付。所述预设额度阈值为客户设置的小额支付的额度范围，例如用户设置300元为预设额度阈值，在支付金额小于或等于300元时，认定为小额支付。
进一步地，在所述支付金额超过所述预设额度阈值时，执行所述步骤S20；
应理解的是，所述预设额度阈值为客户设置的小额支付的额度范围，在所述支付金额超过客户设置的小额支付的额度范围时，则执行在所述设备状态为支付开启状态时，向用户发出支付提示信息的步骤，即提示用户输入支付密码，以进行支付。
进一步地，在所述支付金额不超过所述预设额度阈值，执行如下步骤：
S104：在所述设备状态为支付开启状态时，向用户发出小额提示信息；
应理解的是，将所述支付金额与预设额度阈值进行比对后，确认是小额支付，则向用户发出小额提示信息，所述小额提示信息可以是语音提示信息，比如：当前为小额度支付或当前支付金额为多少等语音信息，也可以是震动提示，如：连续震动三次或保持3秒持续震动等提示，还可以是其他形式的提示信息，本实施例对此不加以限制。
S105：获取用户根据所述小额提示信息输入的支付密码，根据所述支付密码进行支付操作。
可理解的是，为了方便，可将支付密码与步态特征结合完成支付，在进行小额支付时，无需输入支付步态信息，可使用支付密码完成支付。所述支付密码可以是语音信息，也可以是指纹信息，还可以是手动输入支付码，本实施例对此不加以限制。
应理解的是，所述可穿戴设备内置传感器，可用于检测语音信息，在所述支付密码为语音信息，例如：直接对着收款设备说“同意”或报出支付金额，所述可穿戴设备检测到所述语音信息后就能完成当前的小额支付。
需要说明的是，在所述支付密码为指纹信息或者手动输入的支付码时，通常所述指纹信息或支付码在所述收款设备上进行输入，收款设备将输入的指纹信息或支付码信息发送至所述可穿戴设备，所述可穿戴设备将所述指纹信息或支付码信息与预设的指纹信息或支付码信息进行匹配，匹配成功则支付成功。所述预设的指纹信息或支付码信息为用户预先设置的指纹形式的支付密码或支付码形式的支付密码，所述支付码可以是数字、字母或者其结合所形成的文本码。所述预设的指纹信息或支付码信息可以预先存储在所述可穿戴设备的存储器中，也可以存储在服务器，在支付时从服务器获取所述预设的指纹信息或支付码信息。
本实施例中，为了简化支付步骤，在使用所述可穿戴设备进行小金额支付时，无需输入步态支付密码，只需通过输入支付密码，即可完成支付，使得小额支付过程简单高效。
此外，本发明实施例还提出一种计算机可读存储介质，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如下操作：
可穿戴设备在获取到支付请求指令时，检测所述可穿戴设备的设备状态；
在所述设备状态为支付开启状态时，向用户发出支付提示信息；
进行步态信息检测，获取用户根据所述支付提示信息输入的支付步态信息；
将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操作：
在所述设备状态为支付关闭状态时，向用户发出开启提示信息；
获取用户根据所述开启提示信息输入的开启步态信息，将所述开启步态信息与预设开启步态信息进行匹配，匹配成功时，将所述设备状态设置为支付开启状态。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操：
在所述获取的支付步态信息与预设支付步态信息匹配失败时，再次向用户发出所述支付提示信息。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操作：
获取发出所述支付提示信息的次数，在所述次数超过预设次数阈值时，将所述设备状态设置为支付关闭状态。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操作：
向用户发出所述开启提示信息，以提示用户重新输入所述开启步态信息。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操作：
向用户发出支付完成提示信息，获取用户根据所述支付完成提示信息输入的关闭步态信息；
将获取的关闭步态信息与预设关闭步态信息进行匹配，匹配成功时，将所述设备状态设置为支付关闭状态。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操作：
将获取的支付步态信息与预设支付步态信息进行匹配；
在所述匹配结果为匹配成功时，从所述支付指令中获取支付金额，将所述支付金额与预设最大金额进行比对；
在所述支付金额超过所述预设最大金额时，向用户发出确认提示信息；
进行语音检测，获取用户根据所述确认提示信息输入的语音信息，根据所述语音信息进行支付操作。
进一步地，所述基于步态支付方法程序被处理器执行时还实现如下操作：
从所述支付指令中获取支付金额，判断所述支付金额是否超过预设额度阈值；
在所述支付金额超过所述预设额度阈值时，执行所述在所述设备状态为支付开启状态时，向用户发出支付提示信息的步骤；
在所述支付金额不超过所述预设额度阈值，并且所述设备状态为支付开启状态时，向用户发出小额提示信息，获取用户根据所述小额提示信息输入的支付密码，根据所述支付密码进行支付操作。
本实施例通过可穿戴设备处于支付开启状态时，获取用户输入的支付步态信息，将所述支付步态信息与预设支付步态信息匹配从而实现支付，仅通过可穿戴设备及用户输入的步态信息完成支付过程，无需借助其他外置设备，使得支付简单直接，且基于步态的个体差异性，提高了支付的安全性。
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体 意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或 者系统不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还 包括为这种过程、方法、物品或者系统所固有的要素。在没有更多限制的情 况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、 方法、物品或者系统中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。
在本文中，单词第一、第二、以及第三等的使用不表示任何顺序。可将这些单词解释为名称。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述 实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通 过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的 技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体 现出来，该计算机软件产品存储在如上所述的存储介质(如ROM/RAM、磁碟、光 盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (20)

  1. 一种基于步态的支付方法，其特征在于，所述方法包括以下步骤：
    可穿戴设备在获取到支付请求指令时，检测所述可穿戴设备的设备状态；
    在所述设备状态为支付开启状态时，向用户发出支付提示信息；
    进行步态信息检测，获取用户根据所述支付提示信息输入的支付步态信息；
    将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作。
  2. 如权利要求1所述的方法，其特征在于，所述可穿戴设备在获取到支付请求指令时，检测所述可穿戴设备的设备状态之后，所述方法还包括：
    在所述设备状态为支付关闭状态时，向用户发出开启提示信息；
    获取用户根据所述开启提示信息输入的开启步态信息，将所述开启步态信息与预设开启步态信息进行匹配，匹配成功时，将所述设备状态设置为支付开启状态。
  3. 如权利要求2所述的方法，其特征在于，所述将获取的支付步态信息与预设支付步态信息进行匹配之后，所述方法还包括：
    在所述获取的支付步态信息与预设支付步态信息匹配失败时，再次向用户发出所述支付提示信息。
  4. 如权利要求3所述的方法，其特征在于，所述在所述获取的支付步态信息与预设支付步态信息匹配失败时，再次向用户发出所述支付提示信息之后，所述方法还包括：
    获取发出所述支付提示信息的次数，在所述次数超过预设次数阈值时，将所述设备状态设置为支付关闭状态。
  5. 如权利要求4所述的方法，其特征在于，所述获取发出所述支付提示信息的次数，在所述次数超过预设次数阈值时，将所述设备状态设置为支付关闭状态之后，所述方法还包括：
    向用户发出所述开启提示信息，以提示用户重新输入所述开启步态信息。
  6. 如权利要求2所述的方法，其特征在于，所述将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作之后，所述方法还包括：
    向用户发出支付完成提示信息，获取用户根据所述支付完成提示信息输入的关闭步态信息；
    将获取的关闭步态信息与预设关闭步态信息进行匹配，匹配成功时，将所述设备状态设置为支付关闭状态。
  7. 如权利要求2所述的方法，其特征在于，所述将获取的支付步态信息与预设支付步态信息进行匹配，根据匹配结果进行支付操作，具体包括：
    将获取的支付步态信息与预设支付步态信息进行匹配；
    在所述匹配结果为匹配成功时，从所述支付指令中获取支付金额，将所述支付金额与预设最大金额进行比对；
    在所述支付金额超过所述预设最大金额时，向用户发出确认提示信息；
    进行语音检测，获取用户根据所述确认提示信息输入的语音信息，根据所述语音信息进行支付操作。
  8. 如权利要求2所述的方法，其特征在于，所述在所述设备状态为支付开启状态时，向用户发出支付提示信息之前，所述方法还包括：
    从所述支付指令中获取支付金额，判断所述支付金额是否超过预设额度阈值；
    在所述支付金额超过所述预设额度阈值时，执行所述在所述设备状态为支付开启状态时，向用户发出支付提示信息的步骤；
    在所述支付金额不超过所述预设额度阈值，并且所述设备状态为支付开启状态时，向用户发出小额提示信息，获取用户根据所述小额提示信息输入的支付密码，根据所述支付密码进行支付操作。
  9. 一种可穿戴设备，其特征在于，所述可穿戴设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于步态支付方法程序，所述基于步态支付方法程序配置为实现如权利要求1所述的基于步态的支付方法的步骤。
  10. 一种可穿戴设备，其特征在于，所述可穿戴设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于步态支付方法程序，所述基于步态支付方法程序配置为实现如权利要求2所述的基于步态的支付方法的步骤。
  11. 一种可穿戴设备，其特征在于，所述可穿戴设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于步态支付方法程序，所述基于步态支付方法程序配置为实现如权利要求5所述的基于步态的支付方法的步骤。
  12. 一种可穿戴设备，其特征在于，所述可穿戴设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于步态支付方法程序，所述基于步态支付方法程序配置为实现如权利要求6所述的基于步态的支付方法的步骤。
  13. 一种可穿戴设备，其特征在于，所述可穿戴设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于步态支付方法程序，所述基于步态支付方法程序配置为实现如权利要求7所述的基于步态的支付方法的步骤。
  14. 一种可穿戴设备，其特征在于，所述可穿戴设备包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的基于步态支付方法程序，所述基于步态支付方法程序配置为实现如权利要求8所述的基于步态的支付方法的步骤。
  15. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如权利要求1所述的基于步态的支付方法的步骤。
  16. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如权利要求2所述的基于步态的支付方法的步骤。
  17. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如权利要求5所述的基于步态的支付方法的步骤。
  18. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如权利要求6所述的基于步态的支付方法的步骤。
  19. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如权利要求7所述的基于步态的支付方法的步骤。
  20. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有基于步态支付方法程序，所述基于步态支付方法程序被处理器执行时实现如权利要求8所述的基于步态的支付方法的步骤。
PCT/CN2017/094350 2017-07-05 2017-07-25 基于步态的支付方法、可穿戴设备及计算机可读存储介质 Ceased WO2019006788A1 (zh)

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