CN103295129B - The method that circumstantial evidence formula fingerprint pays is realized on mobile phone - Google Patents

The method that circumstantial evidence formula fingerprint pays is realized on mobile phone Download PDF

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Publication number
CN103295129B
CN103295129B CN201310030022.8A CN201310030022A CN103295129B CN 103295129 B CN103295129 B CN 103295129B CN 201310030022 A CN201310030022 A CN 201310030022A CN 103295129 B CN103295129 B CN 103295129B
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fingerprint
client
circumstantial evidence
mobile phone
payment
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CN201310030022.8A
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Chinese (zh)
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CN103295129A (en
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毛德操
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Hangzhou Fahui Data Technology Co ltd
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Individual
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Abstract

The method that circumstantial evidence formula fingerprint pays is realized on mobile phone the invention discloses a kind of, the payment account of client is bound with its reserved fingerprint and phone number, the reserved fingerprint and phone number of standby circumstantial evidence people are also bound with the payment account of the client;Client asks to pay to payment services end, and answers the requirement at payment services end to scan input fingerprint;Payment services end requires that client gives side evidence;Client puts through its certain standby circumstantial evidence people, and request other side provides fingerprint and testifies, and standby circumstantial evidence people firmly believes that this is client itself, is just obtested to payment services end, and answers the requirement at payment services end to scan input fingerprint;The fingerprint that payment services end is only input into client and standby circumstantial evidence people is consistent with its reserved fingerprint, just performs asked payment.The beneficial effects of the invention are as follows:The fingerprint input of client just obtains the confirmation of standby circumstantial evidence people, forgery is become extremely difficult, so as to significantly improve the security paid with fingerprint on the mobile devices such as mobile phone.

Description

The method that circumstantial evidence formula fingerprint pays is realized on mobile phone
Technical field
The present invention relates to a kind of method that fingerprint pays, more specifically, it is related to one kind to realize that circumstantial evidence formula refers on mobile phone The method that line pays, be it is a kind of be the method for only completing mobile payment and high safety with fingerprint on mobile phone.
Background technology
The present invention is another patent application to applicant《A kind of high safety with fingerprint method of payment and device》 The popularization and development of methods described.《A kind of high safety with fingerprint method of payment and device》Described method is substantially one Plant witness formula fingerprint to pay, that is, have being paid with fingerprint for witness, because also scanning shop assistant while the fingerprint of client is scanned That is the fingerprint of eye-witness, and the fingerprint of two people is sent to payment services end simultaneously, wherein client and shop assistant must pay Service end has the fingerprint and identity information of advance typing, and shop assistant must play eye-witness's in advance by certification and mandate Effect, payment services end should compare the fingerprint of client, and the fingerprint of shop assistant is compared again.This method makes bank or payment provider It is believed that the fingerprint of client is pressed in real time under conditions of someone witnesses, so there is security very high.But, it is this Method is but unsuitable to apply on the mobile terminal of the class of mobile phone one or personal computer, because without battalion under conditions of personal use Industry person or others can witness.
On the other hand, the embedded fingerprint scan device on mobile phone, personal identification number is replaced with fingerprint, but has become people The topic discussed warmly.In fact, since fingerprint scan device on some notebook computer bands, such that it is able to fingerprint start and After login, a slight fingerprint scan device is similarly increased on mobile phone, technically without much difficulties, also not Need great imagination.Industry has many people guessing, to follow-on iPhone out, it is likely that just band fingerprint is swept Retouch, because industry consults the master for merging a research and development and production finger scan chip in legend Apple Inc. already Want manufacturer.So, from terms of trend, the mobile phone for being embedded with fingerprint scan device is the thing of morning and evening, once and fingerprint is swept on mobile phone belt Retouch, most directly, it is most important application be exactly undoubtedly to pay.
But, because that do not have under conditions of personal use shop assistant or others can witness, just limit The use scope paid with fingerprint on mobile phone, the only payment of number very little can just be completed with fingerprint, and number is slightly larger just Feel dangerous.Because, if unmanned witness, bank or payment provider just have no way of firmly believing whether gathered fingerprint is true simultaneously And it is fresh, for example either with or without the file for being from storing in advance, or even from a plastic pattern.Although reason By above can also according to temperature, color, humidity, the absorption and reflection of ultrasonic wave etc. physical features are judged whether from true Finger, also research of certain someone in terms of these are carried out, but according in this field 2009 publish authority 《Handbook of Fingerprint Recognition (fingerprint recognition handbook, Davide Maltoni et al., 2ndEdition,2009,Springer)》Introduce, these technologies all also under study for action, not yet into can be with the practical stage.And In terms of user, can also feel to worry a little, because just in case a little what is with regard to A mere verbal statement is no guarantee without circumstantial evidence.
As can be seen here, if a kind of method can be had, to allow and can also carry out the payment of witness formula fingerprint using the individual of mobile phone or PC, That can just make payment in individual environment or the use scope of mobile payment be expanded, and both improve the security of payment, Also increase the convenience for using.
Present disclosure and feature are exactly:Allow need to be carried out on mobile phone the client of fingerprint payment voluntarily specify one or Several standby circumstantial evidence people for knowing well, and by the fingerprint of client and standby circumstantial evidence people, phone number and other prespecified letters Breath is reserved in the database of bank or payment provider together, it is necessary to when paying, client is first in terminal device such as mobile phone, PAD or PC The upper input fingerprint of oneself, the payment services end of bank or payment provider through compare it is errorless after allow client's automatic or manual to put through certain The mobile phone of individual standby circumstantial evidence people(Or other terminal devices, similarly hereinafter), other side is become actual standby circumstantial evidence people, then both sides omit Talk, if what exception eye-witness is felt without, it is possible to fingerprint is also scanned on oneself mobile phone, as circumstantial evidence. So, client have input fingerprint on oneself mobile phone, have predetermined standby circumstantial evidence people to prove this person's Zeng Yuqi call lists at that time again Bright to ask to pay, two conditions are combined together, so that it may which judging the fingerprint of client's input is real and is real-time. It is mentioned here to be " circumstantial evidence " and not " witness ", because not that circumstantial evidence seen with one's own eyes on letter, but Slightly talked on mobile phone with party by standby circumstantial evidence people, confirmed with the sound according to other side, the tone, custom and chat script It is party, you can fingerprint is input on the mobile phone of oneself and is testified.
To realize this kind of method, in addition to finger scan, the mobile phone of client and standby circumstantial evidence people, and bank or payment public affairs The payment services end of department, is required for increasing some functions, but these functions be all in fact general mobile phone and call center , simply to combine them.
The content of the invention
For the defect of prior art, the method that circumstantial evidence formula fingerprint pays is carried out on mobile phone the invention provides a kind of. The account of client is not only bound with the reserved fingerprint and phone number of oneself, also to specify one or several parents for knowing well by client Friend also binds the reserved fingerprint and phone number of these standby circumstantial evidence people as standby circumstantial evidence people together, stores in bank Or in the database of payment provider.When request pays, on the one hand client is input into the fingerprint of oneself on mobile phone, on the one hand puts through certain The mobile phone of standby circumstantial evidence people, both sides slightly talk, if what exception standby circumstantial evidence people is felt without, it is possible in oneself mobile phone On also scan fingerprint, as circumstantial evidence.Bank or the payment services end of payment provider, then only two fingerprints all with reserved fingerprint Asked payment can be just completed when being consistent.Here, what standby circumstantial evidence people was proved is:On that mobile phone made a phone call, Owner of the people for talking exactly bound in that mobile phone, and ask to pay.As for it is specific pay content then with Eye-witness is unrelated.
Obviously, this makes the fraud of ruffian become extremely difficult, and ruffian is in jeopardy in itself.Because, even if Ruffian has stolen the mobile phone of client, and copies out the fingerprint (for example producing a finger for vacation with certain material) of client, The preassigned standby circumstantial evidence people of client cannot be allowed to believe oneself to be exactly that client itself;And, even if ruffian threatens client by force Talked with standby circumstantial evidence people on mobile phone, be also easy to recognize different million by standby circumstantial evidence people, wake suspicion even alarm.
The purpose of the present invention is achieved through the following technical solutions.It is this to realize what circumstantial evidence formula fingerprint paid on mobile phone Method, the method comprises the following steps:
(1.1)The payment account of client is bound with its reserved fingerprint and phone number, and it is standby to register specified at least one The reserved fingerprint and phone number of circumstantial evidence people, standby circumstantial evidence people is used also to be bound with the payment account of the client;
(1.2)Client and standby circumstantial evidence people use the mobile phone with finger scan function;
(1.3)When needing to pay, client asks to pay to payment services end, and answers the requirement at payment services end on mobile phone Scanning input fingerprint;
(1.4)Payment services end requires that client gives side evidence;
(1.5)Client puts through its certain standby circumstantial evidence people, and request other side provides fingerprint and testifies, and double-talk is slightly talked, The standby circumstantial evidence people firmly believes that this is client itself according to the sound and chat script of other side, is just obtested to payment services end, And answer the requirement at payment services end that input fingerprint is scanned on mobile phone;
(1.6)Payment services end is only consistent in the fingerprint of client's input with its reserved fingerprint, and standby circumstantial evidence people is defeated The fingerprint for the entering fingerprint reserved with its just performs asked payment under conditions of being consistent, and otherwise refuses to pay.
Preferably, the mobile phone is used instead including other terminal devices including PAD, PC.
Preferably, payment services end for specific client predefine a threshold value, only when require pay Number just requires to give side evidence when meeting or exceeding this threshold value.
Preferably, described fingerprint circumstantial evidence carries out circumstantial evidence replacement using password password, its flow is constant.
The beneficial effects of the invention are as follows:Because number exceedes the payment of certain threshold value and requires client and its pre- on mobile phone Fixed standby circumstantial evidence people almost scans fingerprint simultaneously, and the fingerprint input of client just obtains the confirmation of standby circumstantial evidence people, becomes forgery Obtain extremely difficult, and adulterator is in jeopardy in itself, paid with fingerprint on the mobile devices such as mobile phone so as to significantly improve Security, make this method turn into a kind of safe method that payment is moved with fingerprint.
Brief description of the drawings
Fig. 1 is the operating process schematic diagram that shopping online and the payment of circumstantial evidence formula fingerprint are realized on mobile phone;
Fig. 2 is the schematic diagram of payment services end finite state machine.
Specific embodiment
The present invention is described further with reference to the accompanying drawings and examples.Although the present invention will enter with reference to preferred embodiment Row description, it should be understood that in being not offered as limiting the invention in the embodiment.Conversely, the present invention will cover can be included in The alternative in the scope of the present invention, modified and equivalent that appended claims is limited.
Four vertical lines of overstriking represent online shopping mall, client, standby circumstantial evidence people and payment services end respectively in accompanying drawing 1 Time shaft, the time from up to down passs.Although depicting interacting between client and net business in figure, purpose does not lie in net yet Purchase, and be to draw the operating process that circumstantial evidence formula fingerprint pays.Client in figure first accesses online shopping mall, Ran Hou on mobile phone Browsed in online shopping mall, until placing an order.Played after order, client just starts the fingerprint payment software on mobile phone, to bank or The payment services end of payment provider sends payment request, and object, the amount of money, order number that will be paid etc. information is together with the mobile phone of oneself Together, encryption is sent to payment services end to number.The payment account of client is then found at payment services end according to phone number, checks Whether its remaining sum is enough to pay its order, if requiring that client is input into fingerprint.Then client is input into fingerprint on mobile phone, and It is sent to payment services end.It is right that the finger print information from client is compared at payment services end with its reserved fingerprint, if not being inconsistent It is required that re-enter, this process can back and forth for several times, until obtain the fingerprint input being consistent with reserved fingerprint, or because of the frequency of failure Terminate this payment too much.Then, this state for paying is arranged to " wait circumstantial evidence " by payment services end, and requires client Give side evidence, such circumstantial evidence must come from the preassigned standby circumstantial evidence people of client.One pays request in " wait is other The time of card " state can not exceed predetermined limitation, otherwise just stop this payment.Obtain requirement to instruct with giving side evidence, visitor Family just calls, puts through certain standby circumstantial evidence people, it is desirable to which it gives side evidence.Start after call, standby circumstantial evidence people is of short duration with client Talk, after having understood the intention of client and firmly believing that other side is exactly client itself, just starts the fingerprint circumstantial evidence software on its mobile phone. The software sends request of testifying to payment services end, and the other party number conversed and loCal number are sent collectively to pay Service end.Payment services end knows that this is who will for Whom testify according to two phone numbers, and confirms that target customer has payment to ask Ask in " wait circumstantial evidence " state and have not timed out, it is desirable to which standby circumstantial evidence people is input into fingerprint.The fingerprint of standby circumstantial evidence people is defeated Enter process similar to the process of client.When payment services end is successful by the fingerprint from standby circumstantial evidence people and its reserved fingerprint comparison When, confirmation just is sent to standby circumstantial evidence people, and this payment is actually accomplished, then with short message(Or other manner such as instant messaging)To Client confirms to pay successfully.
In the process, communication of the mobile phone with payment client terminal can walk the GPRS or 3G of cellular service business offer, also may be used The Wifi wireless services of locality are walked, or even can also walk the Short Message Service of cellular service business, but last is all with the shape of IP bags Formula passes in and out payment client terminal, what route specifically walked belongs to realize details, and the essence with the method for the invention is unrelated.And client With the communication between standby circumstantial evidence people, then the substantially calling of mobile phone, but can also using such as VoIP and immediately The communication mode of the class that communicates, or even video can be also taken, this also belongs to realize details, also with the reality of the method for the invention Matter is unrelated.
Accompanying drawing 2 is the schematic diagram of payment services end finite state machine.Payment services end one has six states, i.e.,:It is ready, Payment request is received, client's fingerprint to be entered is waited, circumstantial evidence is waited, request of testifying is received, and wait circumstantial evidence fingerprint to be entered.Drawn in figure The state transformation gone out between six states, and transformation condition and operation, the italics in square frame represents the condition of transformation, Upright letters represents now performed operation.For example, when state machine is in " wait circumstantial evidence " state, receiving a request of testifying " receiving request of testifying " state is proceeded to, but the request of testifying for receiving is probably invalid, because the people that request gives side evidence May not be within the predetermined standby circumstantial evidence roster of client;Also a kind of is probably that target customer described in asking has no just In the payment of wait circumstantial evidence, or it has been rejected because of time-out;Request of testifying at this time is exactly invalid, so just refusing Exhausted circumstantial evidence and be transferred to original ready state, wait other to pay the arrival of request.
This method that the payment of circumstantial evidence formula fingerprint is realized on mobile phone of the present invention, its main operational steps are as follows:
(1.1)The payment account of client is bound with its reserved fingerprint and phone number, and must register specified one or several Standby circumstantial evidence people, these standby circumstantial evidence people also will each bind with the phone number of their own and be reserved in bank or payment company Fingerprint, these information are all stored in the database of bank or payment company, and are bound with the payment account of client.
(1.2)The mobile phone of client and standby eye-witness has a finger scan function, and equipped with provide it is of the present invention please The software of function such as ask payment, obtest.
(1.3)When needing to pay, client is by network into its bank for opening an account or the payment services website for paying company Request pays, and provides the phone number of oneself.
(1.4)Bank pays account of the payment services end of company according to bound in phone number finds, and requires visitor Family is input into fingerprint.
(1.5)Client scans input fingerprint on mobile phone, and the information of the fingerprint is sent to payment services end.
(1.6)Payment services end compares the fingerprint and its reserved fingerprint of client's input, if be not inconsistent requiring client again Input, refuses to pay if being repeatedly input into and not corresponding.
(1.7)If be consistent, payment services end requires that client gives side evidence.
(1.8)Client puts through its certain standby circumstantial evidence people, and request other side provides fingerprint and testifies.
(1.9)Double-talk is slightly talked, and standby circumstantial evidence people firmly believes that this is client according to the sound and chat script of other side I, just starts the function of obtesting on its mobile phone, and partner and the phone number of itself are sent into payment services end, Ask to be testified for partner.
(1.10)Payment services end requires standby circumstantial evidence people input fingerprint.
(1.11)Standby circumstantial evidence people is input into fingerprint, and the information of the fingerprint is sent to payment services end.
(1.12)Payment services end compares the fingerprint and its reserved fingerprint of standby circumstantial evidence people input, if be not inconsistent requiring again Secondary input, refuses to pay, and pay failure with SMS notification client if being repeatedly input into and not corresponding.
(1.13)If the fingerprint comparison success of standby circumstantial evidence people, just completes this payment, and with SMS notification client's branch Pay successfully.
(1.14)If payment services end cannot get this circumstantial evidence for paying within the time of regulation, just refuse to pay, and Paid with SMS notification client and failed.
In actual use, bank or payment provider can predefine a threshold value for specific client, only when It is required that the number for paying just requires to give side evidence when meeting or exceeding this threshold value.Additionally, bank or payment company go back certainly Other security means can be on this basis added, for example, adds password etc..
Payment services end embodiment
The function at payment services end is implemented in server in the form of software.The time shaft at payment services end in accompanying drawing 1 Taking it by and large the flow of software is understood, accompanying drawing 2 is then further refined.
Payment from Client handset is asked with IP messages(message)Form received by payment services end, ask The letters such as the phone number containing client in message, the title and its bank of deposit's account, order number, payment for paying other side Breath.How to be encrypted as message, then belong to and realize details, and where essence not of the invention.
Here is the false code description of payment services end software.
Payment client terminal embodiment
Payer first passes through net purchase client or browser on mobile phone and is interacted with online shopping mall website, until place an order, and It is stored in temporary file by order and for information about, then starts the payment client terminal software on mobile phone, here is to pay visitor The false code of family end software.
Standby circumstantial evidence people client embodiment
Standby circumstantial evidence people is subject to the call of payer, learns it is that requirement is testified after receiving calls, by of short duration talk, Firmly believe that partner is payer and is determined as after it testifies, so that it may which the circumstantial evidence software started on mobile phone gives side evidence. Here is the false code of circumstantial evidence software:
Standby circumstantial evidence people can hang up the telephone after circumstantial evidence process is started, it is also possible to maintain talking state until inciting somebody to action Result is just hung up after informing other side.
Simply one embodiment recited above, it is specific to implement have many changes.For example, mistake described above In journey and false code, it is desirable to paid on the mobile phone that payer must be bound in oneself, standby circumstantial evidence people must also firmly believe Payer be on bound mobile phone.But, as long as slightly increasing some complexities, this requirement can be in fact to loosen 's.If not requiring to be paid on the mobile phone of oneself, an input must be increased in payer's client software and is paid The link of people ID, payer ID can be ID card No., or the phone number bound in payer.Taken with payment It is engaged in that in the interaction at end a link for input password can also be further added by, further to improve security.At payment services end, then The cell-phone number that payer is currently located is write down, but the account of payer is but looked for payer ID.As for standby circumstantial evidence People, then can still provide partner cell-phone number at that time, and payment services end is known that according to the information for above being recorded The owner of not this mobile phone for being paid on this mobile phone at that time, this is similar to " indirect addressing " in computer technology.Certainly, May also require that standby circumstantial evidence people is input into the ID of other side, these are all to realize details or trickle improvement, have no effect on the present invention and exist The essence paid with fingerprint for having circumstantial evidence is carried out on mobile phone.
Again for example, in the above-described embodiment, payer puts through circumstantial evidence people and and circumstantial evidence under the requirement at payment services end The of short duration talk of people, it is desirable to which artificial its of circumstantial evidence is testified;But, implement as another kind, it is also possible to allow payer to circumstantial evidence human hair one Short message, it is desirable to which he testifies for it, and circumstantial evidence people then starts and obtests and be input into the ID of payer, such as phone number, makes payment Service end can according to this find and wait the payment testified to ask, that also have no can not, that does not change essence of the invention yet, The fingerprint for having circumstantial evidence pays.However, the above embodiments are apparently more reliable and safety, because real time phone call can allow circumstantial evidence People according to sound, the tone, conversation content, even some details that only two people know and to firmly believe other side be really payer. And if permission is obtested simply by short message, reliability, real-time and the peace of method of payment are just reduced to a certain extent Quan Xing.

Claims (4)

1. it is a kind of that the method that circumstantial evidence formula fingerprint pays is realized on mobile phone, it is characterized in that:The method comprises the following steps:
(1.1) payment account of client is bound with its reserved fingerprint and phone number, and must the specified at least one standby side of registration Witness, the reserved fingerprint and phone number of standby circumstantial evidence people are also bound with the payment account of the client;
(1.2) client and standby circumstantial evidence people use the mobile phone with finger scan function;
(1.3) when needing to pay, client asks to pay to payment services end, and answers the requirement at payment services end to be scanned on mobile phone Input fingerprint;
(1.4) payment services end requires that client gives side evidence;
(1.5) client puts through its certain standby circumstantial evidence people, and request other side provides fingerprint and testifies, and double-talk is slightly talked, and this is standby Firmly believe that this is client itself according to the sound and chat script of other side with circumstantial evidence people, just obtested to payment services end, and should The requirement at payment services end scans input fingerprint on mobile phone;
(1.6) payment services end is only consistent in the fingerprint of client's input with its reserved fingerprint, and standby circumstantial evidence people input The fingerprint fingerprint reserved with its just performs asked payment under conditions of being consistent, and otherwise refuses to pay.
2. the method that circumstantial evidence formula fingerprint pays is realized on mobile phone according to claim 1, it is characterised in that:The mobile phone changes With including other terminal devices including PAD, PC.
3. the method that circumstantial evidence formula fingerprint pays is realized on mobile phone according to claim 1, it is characterised in that:Payment services end A threshold value is predefined for specific client, only when the number for requiring to pay meets or exceeds this threshold value It is required that giving side evidence.
4. the method that circumstantial evidence formula fingerprint pays is realized on mobile phone according to claim 1, it is characterised in that:Described fingerprint Circumstantial evidence is substituted using password password circumstantial evidence.
CN201310030022.8A 2012-12-28 2013-01-24 The method that circumstantial evidence formula fingerprint pays is realized on mobile phone Expired - Fee Related CN103295129B (en)

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