CN106447331A - Fingerprint payment card and system and payment method - Google Patents

Fingerprint payment card and system and payment method Download PDF

Info

Publication number
CN106447331A
CN106447331A CN201610151371.9A CN201610151371A CN106447331A CN 106447331 A CN106447331 A CN 106447331A CN 201610151371 A CN201610151371 A CN 201610151371A CN 106447331 A CN106447331 A CN 106447331A
Authority
CN
China
Prior art keywords
fingerprint
card
payment
module
finger
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CN201610151371.9A
Other languages
Chinese (zh)
Other versions
CN106447331B (en
Inventor
王乐思
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to CN201610151371.9A priority Critical patent/CN106447331B/en
Publication of CN106447331A publication Critical patent/CN106447331A/en
Application granted granted Critical
Publication of CN106447331B publication Critical patent/CN106447331B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352Contactless payments by cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357Cards having a plurality of specified features
    • G06Q20/3574Multiple applications on card
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Collating Specific Patterns (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention discloses a fingerprint payment card. The fingerprint payment card comprises a card skin and a fingerprint receiver located in the card skin. The fingerprint receiver is provided with a fingerprint receiving module, a fingerprint processing module and a payment card induction module, and the payment card induction module is configured to transmit the fingerprint information after the encryption processing to the fingerprint card receiving device. The present invention further discloses a fingerprint payment system and a fingerprint payment method. The system comprises a fingerprint payment card, a fingerprint payment server and a main account client communicated with the fingerprint payment server. The fingerprint payment card only has the fingerprint receiving device to solve the problem that the information on the card is lost after the payment card is lost, the fingerprint control terminal can ensure the user's usage safety through arrangement of the usage amount authority, the currency authority and the place authority of the fingerprint. The people in the family who do not know how to use a credit card or mobile phone payment can also conveniently perform fingerprint payment.

Description

A kind of fingerprint pays card, system and method for payment
Technical field
The invention belongs to fingerprint payment technology field, pay card, system and payment particularly to a kind of fingerprint Method.
Background technology
In addition to cash, the most method of payment in current business is to pay with card, including credit card, Bank card, and the similar card provided by various companies or mechanism;Occur in that fingerprint pays now, fingerprint Password need not be remembered, do not worry that password on little book for the note is seen by others, bring greatly to consumer Facility;Current fingerprint pays has mobile fingerprint to pay, fingerprint pays pos machine, and finger print mobile phones is existing Cell phone mainboard on access fingerprint collecting chip, in the primary control program of mobile phone increase fingerprint recognition processing module, Thus the fingerprint of user can be gathered, and and identified, to reach to write from memory control to mobile phone operation, Or provide fingerprint identity validation function for some mobile service.Card and mobile phone are all the carriers of identity information, If it occur that lose, identity information is easily revealed, it is possible to causes loss greatly to consumer, needs horse On report the loss, use and there is a problem.
The patent application document of State Intellectual Property Office's application number 201310513258.7 discloses a kind of fingerprint and props up Paying method and relevant device, system, the method includes that checkout terminal sends sequence information to payment platform service Device, sequence information includes payment account number and Payment Amount;This patent of invention is defeated in the payment terminal of businessman Entering finger print information, the finger print information of client is easily revealed.
At present, mobile phone authority to pay has the emotional affection of Taobao to pay, and opens emotional affection account to the other side, then each The moon is opened certain amount to him and uses, but using method is more complicated, operates cumbersome, for greatly For the people of urban work, it is desirable to the head of a family utilizes more convenient means payment consumption also immature.
Both the above means of payment are deposited all in safety of payment problem and the problem paying simplicity not.
Content of the invention
For solving above-mentioned technical problem.The present invention provides a kind of fingerprint to pay card, system and method for payment, After solving Credit Card Payments card loss, identity information leakage risk problem on card, credit card will not be used Or the people of mobile-phone payment also can pay easily.
The present invention realizes by the following technical solutions, and a kind of fingerprint pays card, including card skin, be positioned at The fingerprint of card intracutaneous receives plate, described fingerprint receive plate be provided with fingerprint receiver module, Fingerprint Processing Module and Payment Card induction module;
Described fingerprint receiver module, for gathering the finger print information of holder;
Described Fingerprint Processing Module, for being converted to characteristic by the finger print information collecting and being encrypted Process;
Described Payment Card induction module, for passing to fingerprint clamping by the finger print information after encryption Receive device.
Preferably, described Payment Card induction module is NFC induction module or IC-card induction module.
NFC is Near Field Communication abbreviation, i.e. near field communication (NFC).It is one Plant non contact angle measurement and interconnection technique, can be in mobile device, consumer electronics product, PC and intelligence control Part Tool Room carries out close range wireless communication.NFC provides the solution of a kind of simple touch, Neng Gourang Consumer's simple, intuitive ground exchange information, accesses content and service.
Preferably, described fingerprint receives and is additionally provided with networking safety code transmitter module, described networking safety code on plate Transmitter module is for being sent to finger-print card receiver by certification instruction request order.
Preferably, described payment card is additionally provided with different colours indicator lamp, described indicator lamp when paying successfully, Send display signal.
Preferably, described fingerprint receives and also includes alarm module on plate, and described alarm module is for referring to warning Order is sent to finger-print card receiver.
Present invention simultaneously provides a kind of fingerprint payment system, including aforesaid fingerprint pays card, fingerprint pays Server and the main account client communicating with fingerprint paying server;
Described fingerprint pays card, all mutual communications with finger-print card receiver of fingerprint paying server;
Described fingerprint paying server includes Truth cards and true official processor authentication module, payment module;
Described Truth cards and true official processor authentication module include that certification request receives submodule and certification Submodule, described certification request receives submodule please for receiving the next certification instruction of finger-print card receiver transmission Asking order, whether described authentication sub module is for being true according to certification instruction request order to finger-print card receiver Real official processor is authenticated, and verifies that fingerprint pays whether card is truly to pay card simultaneously, will be true Real official processor and the real authentication result paying card are sent to fingerprint Payment Card by finger-print card receiver The described Payment Card induction module of piece;
Described payment module, including finger print information approved unit, authority confirmation unit and payment affirmation unit;
Described finger print information approved unit, for receive finger-print card receiver transmit come through encryption Finger print information, and compare at main account client pre-typing finger print information with holder, comparison is consistent Information be sent to authority confirmation unit;
Described authority confirmation unit, for validation of payment authority whether with main account client pre-typing Authority TO Pay Limit is consistent, and will verify that consistent information is sent to described payment affirmation unit;
According to obligation authority, described payment affirmation unit, for verifying that consistent information is sent out to main account client Send the instruction confirming to pay;
Described main account client includes fingerprint typing module and obligation authority typing module;
Described fingerprint typing module is used for holder's pre-typing finger print information in main account client;
Described obligation authority typing module, for the finger print information typing obligation authority of corresponding pre-typing.
Preferably, described main account client is mobile phone, IPAD or PC.
Preferably, described fingerprint paying server also includes closing payment module, described closedown payment module bag Include reception warning submodule and alert process submodule;Described reception warning submodule receives finger-print card receiver Transmit the alarm command of coming, and pass through described alert process submodule, freeze all of of main account client Pay function.
Preferably, described main account client also includes authority to pay people's fingerprint typing module, and described mandate is propped up Pay people's fingerprint typing module, be used for authority to pay people pre-typing finger print information.
Pay the pre-typing finger print information of card authority to pay people, facilitate the modification to obligation authority for the authority to pay people, Authority to pay people also becomes holder, can pay card payment by fingerprint.
The present invention discloses a kind of fingerprint method of payment, comprise the following steps,
1) main account client pre-typing finger print information and obligation authority;
2) finger plaster is paid on card at the fingerprint near finger-print card receiver by holder, gathers holder's Finger print information;
3) finger print information collecting be converted to characteristic and be encrypted, and being sent to finger-print card Receiver (4);
4) certification instruction request order is sent to finger-print card receiver;
5) whether certification finger-print card receiver and fingerprint pay card is real true official processor and real Pay card, if true official processor and real payment card, step will be carried out, if it is not, Step will be carried out;
6) finger print information through encryption is compared with pre-typing finger print information, if comparison is consistent Carry out step 7), comparison is inconsistent will carry out step 10);
7) whether validation of payment authority is consistent with the obligation authority of pre-typing, if unanimously, will carry out step 8), If inconsistent will carry out step 10);
8) send, to main account client, the instruction confirming to pay;
9) the bank card payment of main account client binding is to trade company;
10) terminate to pay.
The present invention has techniques below effect:
1st, pay card and only have fingerprint receiver, the problem solving information dropout on card after Payment Card is lost, Namely even if card loses, the people finding also can only be with oneself the fingerprint payment account amount of money of oneself, it is impossible to Pay the amount of money of loss person.
2nd, main account client can arrange the amount authority of this fingerprint, time authority, currency type authority, Place authority, it is ensured that the safety in utilization of user, also gives and thinks that mobile-phone payment or fingerprint pay dangerous People provide one extremely facilitate and safety means of payment.
3 if it occur that mobile phone terminal is lost, and available fingerprint payment snaps into nearest payment terminal and carries out a key Reporting to the police, all payment client terminals of counter-notification mobile phone close ability to pay.
4 is different from fingerprint payment machine, and the safety code transmitter module that fingerprint pays on card is to judge that fingerprint pays Whether machine is the necessary measuring means without the payment machine of wooden horse for the official, thus avoids fingerprint and be leaked to other people Situation.
Brief description
Fig. 1 is the structural representation of the fingerprint payment card of the embodiment of the present invention 1.
Fig. 2 is the structural representation of the fingerprint payment card of the embodiment of the present invention 2.
Fig. 3 is the structural representation of the fingerprint payment card of the embodiment of the present invention 3.
Fig. 4 is the structural representation of the fingerprint payment card of the embodiment of the present invention 4.
Fig. 5 is the structural representation of the fingerprint payment system of the embodiment of the present invention 5.
Fig. 6 is the structural representation of the fingerprint paying server of the fingerprint payment system of the embodiment of the present invention 5.
Fig. 7 is the structural representation of the Truth cards of the embodiment of the present invention 5 and true official processor authentication module Figure.
Fig. 8 is the structural representation of the payment module of the embodiment of the present invention 5.
Fig. 9 is the structural representation of the main account client of the embodiment of the present invention 5.
Figure 10 is the structural representation of the fingerprint paying server of the fingerprint payment system of the embodiment of the present invention 6.
Figure 11 is the structural representation of the closedown payment module of the embodiment of the present invention 6.
Figure 12 is the structural representation of the main account client of the fingerprint payment system of the embodiment of the present invention 7.
Figure 13 is the flow chart of the fingerprint method of payment of the embodiment of the present invention 8.
Detailed description of the invention
Embodiment 1
Fig. 1 gives first embodiment of the present invention, as it is shown in figure 1, a kind of fingerprint pays card, bag Including card skin the 11st, to be positioned at the fingerprint of card skin 11 and receive plate 12, described fingerprint receives plate 12 and is provided with fingerprint and connects Receive module the 13rd, Fingerprint Processing Module 14 and Payment Card induction module 15;
Described fingerprint receiver module 13, for gathering the finger print information of holder;
Described Fingerprint Processing Module 14, for being converted to characteristic by the finger print information collecting and adding Close process;
Described Payment Card induction module 15, for passing to finger-print card by the finger print information after encryption Receiver 4.
Described Payment Card induction module 15 is NFC induction module or IC-card induction module.
As disposable embodiment, described Payment Card induction module 15 is alternatively IC-card induction module.
Embodiment 2
Fig. 2 gives the present invention the 2nd embodiment, as in figure 2 it is shown, embodiment 1 is different from embodiment 2 , described fingerprint receives and is additionally provided with networking safety code transmitter module 16 on plate 12, and described networking safety code is sent out Penetrate module 16 for certification instruction request order is sent to finger-print card receiver.
Remaining is same as in Example 1 for embodiment 2.
Embodiment 3
Fig. 3 gives the 3rd embodiment of the present invention, as it is shown on figure 3, embodiment 3 is with embodiment 2 not With, described payment card is additionally provided with different colours indicator lamp the 17th, described indicator lamp 17 when paying successfully, Send display signal.
Remaining is same as in Example 2 for embodiment 3.
Embodiment 4
Fig. 4 gives the 4th embodiment of the present invention, and as shown in Figure 4, embodiment 4 is with embodiment 3 not With described fingerprint receives and also includes alarm module 18 on plate 12, and described alarm module 18 will be for reporting Alert instruction is sent to finger-print card receiver 4.
Remaining is same as in Example 3 for embodiment 4.
Embodiment 5
The present invention gives a kind of fingerprint payment system simultaneously, as it is shown in figure 5, a kind of fingerprint payment system, Including fingerprint described in embodiment 2 pay card the 1st, fingerprint paying server 2 and with fingerprint paying server 2 The main account client 3 communicating;
Described fingerprint pays all mutual communications with finger-print card receiver 4 of card the 1st, fingerprint paying server 2;
As shown in Figure 6, described fingerprint paying server 2 includes Truth cards and the processor certification of true official Module the 21st, payment module 22;
As it is shown in fig. 7, described Truth cards and true official processor authentication module 21 include that certification request connects Receiving submodule 211 and authentication sub module 212, described certification request receives submodule 211 and is used for receiving finger-print card Receiver 4 transmits the certification instruction request order of coming, and described authentication sub module 212 is for instructing according to certification Whether request command is that true official processor is authenticated to finger-print card receiver 4, verifies that fingerprint props up simultaneously Pay whether card 1 is truly to pay card, will be true official processor and the real certification knot paying card Fruit is sent to, by finger-print card receiver 4, the described Payment Card induction module 15 that fingerprint pays card 1;
As shown in Figure 8, described payment module 22, including finger print information approved unit the 221st, authority confirmation form Unit 222 and payment affirmation unit 223;
Described finger print information approved unit 221, for receive finger-print card receiver 4 transmit come at encryption The finger print information of reason, and compare at main account client 3 pre-typing finger print information with holder, will compare Authority confirmation unit 222 is sent to consistent information;
Described authority confirmation unit 222, for validation of payment authority, whether pre-typing pays with main account client Authority is consistent, and will verify that consistent information is sent to described payment affirmation unit 223;
Described payment affirmation unit 223, for verifying consistent information to main account client according to obligation authority 3 send the instruction confirming to pay;
As it is shown in figure 9, described main account client 3 includes fingerprint typing module 31 and obligation authority typing mould Block 32;
Described fingerprint typing module 31 is used for holder's pre-typing finger print information in main account client 3;
Described obligation authority typing module 32, for the finger print information typing obligation authority of corresponding pre-typing.
Described main account client 3 is mobile phone, IPAD or PC.
Embodiment 6
Figure 10 gives another embodiment of fingerprint payment system of the present invention, as shown in Figure 10, Figure 11, As different from Example 5, described fingerprint paying server 2 also includes closing payment module 24 embodiment 6, Described closedown payment module 24 includes receiving warning submodule 241 and alert process submodule 242;Described connect The alert submodule 241 of receiving receives finger-print card receiver 4 and transmits the alarm command of coming, and by described warning at Reason submodule 242, freezes all of payment function of main account client 3.
Embodiment 7
Figure 12 gives the further embodiment of fingerprint payment system of the present invention, as shown in figure 13, embodiment 7 As different from Example 5, described main account client 3 also includes authority to pay people's fingerprint typing module 33, Described authority to pay people's fingerprint typing module 33, is used for authority to pay people pre-typing finger print information.
Remaining is same as in Example 5 for embodiment 7.
Embodiment 8
The present invention gives a kind of fingerprint method of payment simultaneously, as shown in figure 13, comprises the following steps,
1) main account client 3 pre-typing finger print information and obligation authority;
2) finger plaster is paid on card 1 by holder at the fingerprint near finger-print card receiver 4, and collection holds The finger print information of people;
3) finger print information collecting be converted to characteristic and be encrypted, and being sent to finger-print card Receiver 4;
4) certification instruction request order is sent to finger-print card receiver 4;
5) certification finger-print card receiver 4 and fingerprint pay card 1 be whether real true official processor and Real payment card, if true official processor pays card with real, will carry out step 6), if Not, step 10 will be carried out);
6) finger print information through encryption is compared with pre-typing finger print information, if comparison is consistent Carry out step 7), comparison is inconsistent will carry out step 10);
7) whether validation of payment authority is consistent with the obligation authority of pre-typing, if unanimously, will carry out step 8), If inconsistent will carry out step 10);
8) send, to main account client 3, the instruction confirming to pay;
9) the bank card payment of main account client 3 binding is to trade company;
10) terminate to pay.
Embodiment described above is only that the preferred embodiment of the present invention is described, not to the present invention's Scope is defined, and on the premise of designing spirit without departing from the present invention, those of ordinary skill in the art are to this Invention technical scheme make various deformation and improve, all should fall into claims of the present invention determine In protection domain.

Claims (10)

1. a fingerprint pays card, it is characterised in that includes card skin (11), be positioned at card skin (11) Fingerprint receive plate (12), described fingerprint receive plate (12) be provided with fingerprint receiver module (13), fingerprint Processing module (14) and Payment Card induction module (15);
Described fingerprint receiver module (13), for gathering the finger print information of holder;
Described Fingerprint Processing Module (14), for being converted to characteristic and carrying out by the finger print information collecting Encryption;
Described Payment Card induction module (15), for passing to fingerprint by the finger print information after encryption Card receiver (4).
2. fingerprint according to claim 1 pays card, it is characterised in that described Payment Card senses mould Block (15) is NFC induction module or IC-card induction module.
3. fingerprint according to claim 1 pays card, it is characterised in that described fingerprint receives plate (12) On be additionally provided with networking safety code transmitter module (16), described networking safety code transmitter module (16) will be for will recognize Card instruction request order is sent to finger-print card receiver (4).
4. fingerprint according to claim 1 pays card, it is characterised in that described payment card also sets Have different colours indicator lamp (17), described indicator lamp (17) when paying successfully, send display signal.
5. fingerprint according to claim 1 pays card, it is characterised in that described fingerprint receives plate (12) On also include alarm module (18), described alarm module (18) for being sent to fingerprint clamping by alarm command Receive device (4).
6. a fingerprint payment system, it is characterised in that include in Claims 1-4 described in any one Fingerprint pay card (1), fingerprint paying server (2) and communicating with fingerprint paying server (2) Main account client (3);
Described fingerprint pay card (1), fingerprint paying server (2) all with finger-print card receiver (4) phase Mutual communication;
Described fingerprint paying server (2) include Truth cards and true official's processor authentication module (21), Payment module (22);
Described Truth cards and true official's processor authentication module (21) include that certification request receives submodule (211) and authentication sub module (212), described certification request receives submodule (211) and is used for receiving fingerprint Card receiver (4) transmits the certification instruction request order of coming, and described authentication sub module (212) is used for basis Whether certification instruction request order is that true official processor is authenticated to finger-print card receiver (4), simultaneously Checking fingerprint pays whether card (1) is truly to pay card, will be that true official processor pays with real The authentication result of card is sent to, by finger-print card receiver (4), the described payment that fingerprint pays card (1) Card induction module (15);
Described payment module (22), including finger print information approved unit (221), authority confirmation unit (222) With payment affirmation unit (223);
Described finger print information approved unit (221), is used for receiving finger-print card receiver (4) and transmits the process of coming The finger print information of encryption, and compare at the pre-typing finger print information of main account client (3) with holder Right, information consistent for comparison is sent to authority confirmation unit (222);
Whether described authority confirmation unit (222) is pre-with main account client (3) for validation of payment authority Typing obligation authority is consistent, and will verify that consistent information is sent to described payment affirmation unit (223);
Described payment affirmation unit (223), for verifying consistent information to main account visitor according to obligation authority Family end (3) sends the instruction confirming to pay;
Described main account client (3) includes fingerprint typing module (31) and obligation authority typing module (32);
Described fingerprint typing module (31) is believed at the upper pre-typing fingerprint of main account client (3) for holder Breath;
Described obligation authority typing module (32), for the finger print information typing obligation authority of corresponding pre-typing.
7. fingerprint payment system according to claim 6, it is characterised in that described main account client (3) it is mobile phone, IPAD or PC.
8. fingerprint payment system according to claim 6, it is characterised in that described fingerprint payment services Device (2) also includes cutting out payment module (24), and described closedown payment module (24) includes receiving son of reporting to the police Module (241) and alert process submodule (242);Described reception warning submodule (241) receives fingerprint Card receiver (4) transmits the alarm command of coming, and passes through described alert process submodule (242), freezes main The all of payment function of account client (3).
9. fingerprint payment system according to claim 6, it is characterised in that described main account client (3) authority to pay people's fingerprint typing module (33) is also included, described authority to pay people's fingerprint typing module (33), For authority to pay people pre-typing finger print information.
10. a fingerprint method of payment, comprises the following steps,
1) the pre-typing finger print information of main account client (3) and obligation authority;
2) finger plaster is paid on card (1) by holder at the fingerprint near finger-print card receiver (4), adopts The finger print information of collection holder;
3) finger print information collecting be converted to characteristic and be encrypted, and being sent to finger-print card Receiver (4);
4) certification instruction request order is sent to finger-print card receiver (4);
5) certification finger-print card receiver (4) and fingerprint pay whether card (1) is at real true official Reason device and really payment card, if true official processor and real payment card, will carry out step 6), If it is not, will carry out step 10);
6) finger print information through encryption is compared with pre-typing finger print information, if comparison is consistent Carry out step 7), comparison is inconsistent will carry out step 10);
7) whether validation of payment authority is consistent with the obligation authority of pre-typing, if unanimously, will carry out step 8), If inconsistent will carry out step 10);
8) send, to main account client (3), the instruction confirming to pay;
9) the bank card payment that main account client (3) is bound is to trade company;
10) terminate to pay.
CN201610151371.9A 2016-03-16 2016-03-16 A kind of fingerprint payment card, system and method for payment Active CN106447331B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201610151371.9A CN106447331B (en) 2016-03-16 2016-03-16 A kind of fingerprint payment card, system and method for payment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610151371.9A CN106447331B (en) 2016-03-16 2016-03-16 A kind of fingerprint payment card, system and method for payment

Publications (2)

Publication Number Publication Date
CN106447331A true CN106447331A (en) 2017-02-22
CN106447331B CN106447331B (en) 2019-08-20

Family

ID=58183232

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201610151371.9A Active CN106447331B (en) 2016-03-16 2016-03-16 A kind of fingerprint payment card, system and method for payment

Country Status (1)

Country Link
CN (1) CN106447331B (en)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108665267A (en) * 2018-07-05 2018-10-16 中国工商银行股份有限公司 Safety certification device and system
CN108764895A (en) * 2018-03-14 2018-11-06 顾馨媛 A kind of Enhancement Method of mobile payment
CN108805581A (en) * 2018-06-29 2018-11-13 芜湖市联网汇通电子科技有限公司 A kind of electronic card safety payment system and its method
CN109426848A (en) * 2017-08-28 2019-03-05 万事达卡亚太私人有限公司 Payment Card with integrated bio feature sensor and power supply
CN109636376A (en) * 2019-01-30 2019-04-16 上海剑桥科技股份有限公司 Smart card payment system
CN110533428A (en) * 2019-08-30 2019-12-03 捷德(中国)信息科技有限公司 Payment mechanism, method of payment and Payment Card
CN113408500A (en) * 2021-08-19 2021-09-17 飞天诚信科技股份有限公司 Fingerprint card and working method thereof, electronic equipment and computer readable storage medium
TWI831596B (en) * 2023-02-03 2024-02-01 華南商業銀行股份有限公司 Mark trading system

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102609839A (en) * 2011-01-25 2012-07-25 张龙其 Payment system supporting non-contact intelligent card, and method thereof
CN102789587A (en) * 2011-05-20 2012-11-21 陶礼安 Smart card, smart card reader and smart card operation method
CN104063791A (en) * 2013-10-30 2014-09-24 腾讯科技(深圳)有限公司 Safety payment method and related device and system
CN105205667A (en) * 2015-08-14 2015-12-30 北京奇虎科技有限公司 Safety payment verification method, device and system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102609839A (en) * 2011-01-25 2012-07-25 张龙其 Payment system supporting non-contact intelligent card, and method thereof
CN102789587A (en) * 2011-05-20 2012-11-21 陶礼安 Smart card, smart card reader and smart card operation method
CN104063791A (en) * 2013-10-30 2014-09-24 腾讯科技(深圳)有限公司 Safety payment method and related device and system
CN105205667A (en) * 2015-08-14 2015-12-30 北京奇虎科技有限公司 Safety payment verification method, device and system

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109426848A (en) * 2017-08-28 2019-03-05 万事达卡亚太私人有限公司 Payment Card with integrated bio feature sensor and power supply
CN108764895A (en) * 2018-03-14 2018-11-06 顾馨媛 A kind of Enhancement Method of mobile payment
CN108805581A (en) * 2018-06-29 2018-11-13 芜湖市联网汇通电子科技有限公司 A kind of electronic card safety payment system and its method
CN108805581B (en) * 2018-06-29 2021-10-08 南京中景辉创网络科技有限公司 Electronic card safety payment system and method thereof
CN108665267A (en) * 2018-07-05 2018-10-16 中国工商银行股份有限公司 Safety certification device and system
CN109636376A (en) * 2019-01-30 2019-04-16 上海剑桥科技股份有限公司 Smart card payment system
CN110533428A (en) * 2019-08-30 2019-12-03 捷德(中国)信息科技有限公司 Payment mechanism, method of payment and Payment Card
CN113408500A (en) * 2021-08-19 2021-09-17 飞天诚信科技股份有限公司 Fingerprint card and working method thereof, electronic equipment and computer readable storage medium
CN113408500B (en) * 2021-08-19 2021-11-26 飞天诚信科技股份有限公司 Fingerprint card and working method thereof, electronic equipment and computer readable storage medium
TWI831596B (en) * 2023-02-03 2024-02-01 華南商業銀行股份有限公司 Mark trading system

Also Published As

Publication number Publication date
CN106447331B (en) 2019-08-20

Similar Documents

Publication Publication Date Title
CN106447331A (en) Fingerprint payment card and system and payment method
CN202210326U (en) Personal payment terminal provided with keyboard
CN203102365U (en) Terminal and authentication apparatus
CN104881779A (en) Device, system, and method for mobile convergence payment
CN103049850A (en) Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)
CN103164738A (en) Mobile phone user identification card based on mobile payment multichannel digital certificate
CN103269326A (en) Safety equipment, multi-application system and safety method for ubiquitous networks
JPH03179863A (en) Method and equipment for automatic transaction
CN104463575A (en) NFC payment communication method based on payment command
CN103268547A (en) NFC (Near Field Communication) mobile phone payment system with fingerprint authentication mechanism
CN204759626U (en) Electronic payment terminating machine
CN102298683A (en) Authentication device, system and method for short-distance radio-frequency communication authentication
CN104778579A (en) Induction payment method and device based on electronic identity recognition carrier
TW201508701A (en) Money withdrawing system based on NFC function, money withdrawing method of money withdrawing system based on NFC function and money withdrawing machine
CN105354518B (en) Virtual chip card system based on mobile intelligent terminal soft excitation electromagnetic near field mutual inductance
CN103020822A (en) Financial order-receiving method based on double secure channels
CN205384643U (en) Depositor of multiple -factor bank identity verification system
CN109118198B (en) Point-of-sale management device and point-of-sale service management system based on intelligent terminal
CN102487319A (en) Method for carrying out unidirectional or multidirectional communication by virtue of vibration
CN103258158A (en) Fingerprint authentication electronic commerce scrambler
CN103870958B (en) A kind of method of mobile payment and mobile payment special equipment
CN101127954A (en) A method for transmitting data via mobile phone dialing communication or GRPS packet communication technology
CN106779715A (en) A kind of method and merchant client of point-to-point E-Payment
CN101443722A (en) Wireless telecommunication device with output control function and transaction authentication system using the same
CN111210221A (en) NFC digital currency payment system based on block chain technology

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
GR01 Patent grant
GR01 Patent grant