CN108197945A - A kind of fingerprint method of payment and device - Google Patents

A kind of fingerprint method of payment and device Download PDF

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Publication number
CN108197945A
CN108197945A CN201810217266.XA CN201810217266A CN108197945A CN 108197945 A CN108197945 A CN 108197945A CN 201810217266 A CN201810217266 A CN 201810217266A CN 108197945 A CN108197945 A CN 108197945A
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China
Prior art keywords
characteristic point
fingerprint
user
exchange
bank account
Prior art date
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Pending
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CN201810217266.XA
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Chinese (zh)
Inventor
蒋勇
蒋际涛
张昕晖
洪滢彬
李健保
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Bank of China Ltd
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Bank of China Ltd
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 Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN201810217266.XA priority Critical patent/CN108197945A/en
Publication of CN108197945A publication Critical patent/CN108197945A/en
Pending legal-status Critical Current

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    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Collating Specific Patterns (AREA)

Abstract

A kind of fingerprint method of payment and device are disclosed in the embodiment of the present invention, the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange is obtained, the target feature point that the characteristic point of fingerprint inputted in process of exchange with the user matches is searched in characteristic point data library;Judge whether to search successfully, obtain the first judging result;When first judging result expression is searched successfully, the corresponding bank account of the target feature point is determined;The process of exchange is completed based on the bank account.Above-mentioned fingerprint method of payment and device, can simplify payment step, improve the payment experience of user, have ensured user's property safety.

Description

A kind of fingerprint method of payment and device
Technical field
The present invention relates to mobile payment technical fields, and in particular to a kind of fingerprint method of payment and device.
Background technology
With the raising of quality of social life and rhythm of life, people increasingly pursue the conveniently means of payment, than Such as, mobile payments mode and the bank card payment such as Alipay, wechat payment.But the above-mentioned means of payment user into Third party's medium (for example, mobile phone or bank card) is all necessarily dependent upon when row consumption could complete consumption, on the one hand more One consumption step, increases the operation difficulty of user, the consumption experience for leading to user to a certain extent is ineffective, another Aspect also easily increases the risk of missing of third party's medium (for example, mobile phone or credit card), leads to the property loss of user.Than Such as, user is held from supermarket when commodity queuing is checked under scene, and user looks after the commodity of oneself purchase again, digs out again Mobile phone or wallet are consumed, and undoubtedly consumption time are allowed to lengthen, and consumption step is complicated, meanwhile, mobile phone or wallet are all valuables, Frequently take out the loss for also be easy to causeing article in public arena.
Invention content
In view of this, the embodiment of the present invention provides a kind of fingerprint method of payment and device, can simplify payment step, improves The payment experience of user, has ensured user's property safety.
To achieve the above object, the embodiment of the present invention provides following technical solution:
A kind of fingerprint method of payment, including:
Obtain the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange;The first terminal is set It puts in consumption place;
Search what the characteristic point of fingerprint inputted in process of exchange with the user matched in characteristic point data library Target feature point;
Judge whether to search successfully, obtain the first judging result;
When first judging result expression is searched successfully, the corresponding bank account of the target feature point is determined;
The process of exchange is completed based on the bank account.
Optionally, it is described that the process of exchange is completed based on the bank account, it specifically includes:
Determine corresponding transaction amount in the process of exchange;
Determine the Merchant Account in the process of exchange;
The transaction amount is gone into the Merchant Account from the bank account corresponding fund.
Optionally, it is described that the feature of fingerprint inputted in process of exchange with the user is searched in characteristic point data library The target feature point that point matches, specifically includes:
Using 1:The algorithm of N searches the spy of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point that sign point matches.
Optionally, it is described obtain the characteristic point of fingerprint that is inputted in process of exchange of the collected user of first terminal it Before, it further includes:
The characteristic point for the fingerprint that the user inputs in second terminal is obtained, and the characteristic point is stored to feature and is counted According to library;
Obtain the bank account information of the user;
Obtain the identity document information of the user;
Establish being associated between the characteristic point of the fingerprint and the bank account information and the identity document information System.
Optionally, the characteristic point of fingerprint for obtaining the user and being inputted in second terminal, and the characteristic point is deposited It stores up to characteristic point data library, including:
Obtain the characteristic point of multiple fingerprints that the user inputs in second terminal, and by the characteristic point of the multiple fingerprint It stores to characteristic point data library.
A kind of fingerprint payment mechanism, including:
Acquisition module, for obtaining the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange; The first terminal is arranged on consumption place;
Searching module, for searching the spy of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point that sign point matches;
Judgment module for judging whether to search successfully, obtains the first judging result;
Bank account determining module, for when first judging result expression is searched successfully, determining that the target is special The corresponding bank account of sign point;
Transaction modules complete the process of exchange for being based on the bank account.
Optionally, the transaction modules, are specifically used for:
Determine corresponding transaction amount in the process of exchange;
Determine the Merchant Account in the process of exchange;
The transaction amount is gone into the Merchant Account from the bank account corresponding fund.
Optionally, the searching module, is specifically used for:
Using 1:The algorithm of N searches the spy of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point that sign point matches.
Optionally, described device further includes:
Registration module, for obtain the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange it Before, the characteristic point for the fingerprint that the user inputs in second terminal is obtained, and the characteristic point is stored to characteristic point data library; Obtain the bank account information of the user;Obtain the identity document information of the user;Establish the characteristic point of the fingerprint with Incidence relation between the bank account information and the identity document information.
Optionally, the registration module, is specifically used for:
Obtain the characteristic point of multiple fingerprints that the user inputs in second terminal, and by the characteristic point of the multiple fingerprint It stores to characteristic point data library.
Based on above-mentioned technical proposal, a kind of fingerprint method of payment and device are disclosed in the embodiment of the present invention, obtains first The characteristic point of fingerprint that the collected user of terminal inputs in process of exchange is searched and the user in characteristic point data library The target feature point that the characteristic point of the fingerprint inputted in process of exchange matches;Judge whether to search successfully, obtain first and sentence Disconnected result;When first judging result expression is searched successfully, the corresponding bank account of the target feature point is determined;It is based on The bank account completes the process of exchange.Above-mentioned fingerprint method of payment and device can simplify payment step, improve user Payment experience, ensured user's property safety.
Description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, to embodiment or will show below There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this The embodiment of invention, for those of ordinary skill in the art, without creative efforts, can also basis The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow diagram of fingerprint method of payment provided in an embodiment of the present invention;
Fig. 2 is the flow diagram of another fingerprint method of payment provided in an embodiment of the present invention;
Fig. 3 is a kind of concrete structure schematic diagram of fingerprint payment mechanism provided in an embodiment of the present invention;
Fig. 4 is the concrete structure schematic diagram of another fingerprint payment mechanism provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work Embodiment shall fall within the protection scope of the present invention.
Please refer to attached drawing 1, Fig. 1 is a kind of flow diagram of fingerprint method of payment provided in an embodiment of the present invention, the party Method includes the following steps:
Step S100 obtains the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange;
The first terminal is arranged on consumption place;First terminal is specifically as follows smart mobile phone, tablet computer, portable The equipment such as computer can acquire the finger that user inputs in process of exchange by the fingerprint capturer being set on above equipment Line, the fingerprint that collected user is inputted in process of exchange carry out the characteristic point that parsing obtains the fingerprint, and by user The characteristic point of the fingerprint inputted in process of exchange is sent to background system, so that background system acquisition first terminal is collected The characteristic point for the fingerprint that user inputs in process of exchange.First terminal can set any one that can carry out disappearing for small amount payment Take place, for example, being arranged on supermarket, buffet, market, natatorium, community shop etc..
Step S110 searches the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match;
Characteristic point data library is that the fingerprint of user is stored in a manner of characteristic point, and characteristic point data library can adopt It is stored, can also be stored using the other systems different from background system, memory space is sufficiently large with background system And it is expansible, background system obtain the characteristic point of fingerprint that is inputted in process of exchange of the collected user of first terminal it Afterwards, it is special that the target that the characteristic point of fingerprint inputted in process of exchange with the user matches is searched in characteristic point data library Levy point, the characteristic point of fingerprint mentioned here that refer to that target feature point is inputted with the user in process of exchange that matches It is identical.
Step S120 judges whether to search successfully, obtains the first judging result;
When the characteristic point phase that the fingerprint inputted in process of exchange with the user is found in characteristic point data library During the target feature point matched, expression is searched successfully, is being merchandised when not found in characteristic point data library with the user During the target feature point that the characteristic point of the fingerprint inputted in journey matches, represent to search failure, if searching failure, return to mistake Information is lost to the first terminal.
Step S130 when first judging result expression is searched successfully, determines the corresponding silver of the target feature point Row account;
Step S140 completes the process of exchange based on the bank account.
It is described that the process of exchange is completed based on the bank account, it specifically includes:It determines corresponding in the process of exchange Transaction amount;Determine the Merchant Account in the process of exchange;By the transaction from the corresponding fund of the bank account The amount of money goes to the Merchant Account.The transaction amount is being gone into businessman's account from the bank account corresponding fund After family, show that process of exchange is completed, the successful information of transaction can be returned to first terminal.
Present embodiment discloses a kind of fingerprint methods of payment, and it is defeated in process of exchange to obtain the collected user of first terminal The characteristic point of the fingerprint entered searches the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match;Judge whether to search successfully, obtain the first judging result;When first judging result expression is looked into When looking for successfully, the corresponding bank account of the target feature point is determined;The process of exchange is completed based on the bank account.On Fingerprint method of payment is stated, payment step can be simplified, the payment experience of user is improved, has ensured user's property safety.
Attached drawing 2 is please referred to, Fig. 2 is the flow diagram of another fingerprint method of payment provided in an embodiment of the present invention, should Method specifically comprises the following steps:
Step S200 obtains the characteristic point for the fingerprint that the user inputs in second terminal, and the characteristic point is stored To characteristic point data library;
Specifically, the characteristic point of multiple fingerprints that the user inputs in second terminal can be obtained, and will be the multiple The characteristic point of fingerprint is stored to characteristic point data library.
Step S210 obtains the bank account information of the user;
Step S220 obtains the identity document information of the user;
Step S230 is established between the characteristic point of the fingerprint and the bank account information and the identity document information Incidence relation.
Step S240 obtains the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange;
The first terminal is arranged on consumption place;First terminal is specifically as follows smart mobile phone, tablet computer, portable The equipment such as computer can acquire the finger that user inputs in process of exchange by the fingerprint capturer being set on above equipment Line, the fingerprint that collected user is inputted in process of exchange carry out the characteristic point that parsing obtains the fingerprint, and by user The characteristic point of the fingerprint inputted in process of exchange is sent to background system, so that background system acquisition first terminal is collected The characteristic point for the fingerprint that user inputs in process of exchange.First terminal can set any one that can carry out disappearing for small amount payment Take place, for example, being arranged on supermarket, buffet, market, natatorium, community shop etc..
Step S250 searches the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match;
Characteristic point data library is that the fingerprint of user is stored in a manner of characteristic point, and characteristic point data library can adopt It is stored, can also be stored using the other systems different from background system, memory space is sufficiently large with background system And it is expansible, background system obtain the characteristic point of fingerprint that is inputted in process of exchange of the collected user of first terminal it Afterwards, it is special that the target that the characteristic point of fingerprint inputted in process of exchange with the user matches is searched in characteristic point data library Levy point, the characteristic point of fingerprint mentioned here that refer to that target feature point is inputted with the user in process of exchange that matches It is identical.
Specifically, it can be used 1:The algorithm of N is searched in characteristic point data library and is inputted in process of exchange with the user Fingerprint the target feature point that matches of characteristic point.Using 1:The algorithm of N can accurately distinguish different user fingerprints Characteristic point, and have very high match query efficiency, background system can quickly obtain matching result.
Step S260 judges whether to search successfully, obtains the first judging result;
When the characteristic point phase that the fingerprint inputted in process of exchange with the user is found in characteristic point data library During the target feature point matched, expression is searched successfully, is being merchandised when not found in characteristic point data library with the user During the target feature point that the characteristic point of the fingerprint inputted in journey matches, represent to search failure, if searching failure, return to mistake Information is lost to the first terminal.
Step S270 when first judging result expression is searched successfully, determines the corresponding silver of the target feature point Row account;
Step S280 completes the process of exchange based on the bank account.
It is described that the process of exchange is completed based on the bank account, it specifically includes:It determines corresponding in the process of exchange Transaction amount;Determine the Merchant Account in the process of exchange;By the transaction from the corresponding fund of the bank account The amount of money goes to the Merchant Account.The transaction amount is being gone into businessman's account from the bank account corresponding fund After family, show that process of exchange is completed, the successful information of transaction can be returned to first terminal.
Present embodiment discloses a kind of fingerprint methods of payment, and it is defeated in process of exchange to obtain the collected user of first terminal The characteristic point of the fingerprint entered searches the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match;Judge whether to search successfully, obtain the first judging result;When first judging result expression is looked into When looking for successfully, the corresponding bank account of the target feature point is determined;The process of exchange is completed based on the bank account.On Fingerprint method of payment is stated, payment step can be simplified, the payment experience of user is improved, has ensured user's property safety.
Attached drawing 3 is please referred to, Fig. 3 is a kind of concrete structure schematic diagram of fingerprint payment mechanism provided in an embodiment of the present invention, The device includes:
Acquisition module 10, for obtaining the feature of fingerprint that the collected user of first terminal inputs in process of exchange Point;The first terminal is arranged on consumption place;
Searching module 11, for searching the fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point that characteristic point matches;
Judgment module 12 for judging whether to search successfully, obtains the first judging result;
Bank account determining module 13, for when first judging result expression is searched successfully, determining the target The corresponding bank account of characteristic point;
Transaction modules 14 complete the process of exchange for being based on the bank account.
Optionally, the transaction modules, are specifically used for:
Determine corresponding transaction amount in the process of exchange;
Determine the Merchant Account in the process of exchange;
The transaction amount is gone into the Merchant Account from the bank account corresponding fund.
Optionally, the searching module, is specifically used for:
Using 1:The algorithm of N searches the spy of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point that sign point matches.
Attached drawing 4 is please referred to, Fig. 4 is the concrete structure signal of another fingerprint payment mechanism provided in an embodiment of the present invention Figure, the device further include other than including modules shown in Fig. 3:
Registration module 15, for obtaining the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange Before, the characteristic point for the fingerprint that the user inputs in second terminal is obtained, and the characteristic point is stored to characteristic point data Library;Obtain the bank account information of the user;Obtain the identity document information of the user;Establish the characteristic point of the fingerprint With the incidence relation between the bank account information and the identity document information.
Optionally, the registration module, is specifically used for:
Obtain the characteristic point of multiple fingerprints that the user inputs in second terminal, and by the characteristic point of the multiple fingerprint It stores to characteristic point data library.
It should be noted that the concrete function realization of above-mentioned modules is described in detail in embodiment of the method, this reality Example is applied to repeat no more.
In summary:
A kind of fingerprint method of payment and device are disclosed in the embodiment of the present invention, the collected user of first terminal is obtained and exists The characteristic point of the fingerprint inputted in process of exchange searches what is inputted in process of exchange with the user in characteristic point data library The target feature point that the characteristic point of fingerprint matches;Judge whether to search successfully, obtain the first judging result;Sentence when described first When disconnected result expression is searched successfully, the corresponding bank account of the target feature point is determined;Institute is completed based on the bank account State process of exchange.Above-mentioned fingerprint method of payment and device, can simplify payment step, improve the payment experience of user, ensure User's property safety.
It should be understood by those skilled in the art that, embodiments herein can be provided as method, system or computer program Product.Therefore, the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware can be used in the application Apply the form of example.Moreover, the computer for wherein including computer usable program code in one or more can be used in the application The computer program production that usable storage medium is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of product.
The application is with reference to the flow according to the method for the embodiment of the present application, equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided The processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices is generated for real The device of function specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that the instruction generation being stored in the computer-readable memory includes referring to Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or The function of being specified in multiple boxes.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted Series of operation steps are performed on calculation machine or other programmable devices to generate computer implemented processing, so as in computer or The instruction offer performed on other programmable devices is used to implement in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in a box or multiple boxes.
In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/ Or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable Jie The example of matter.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer-readable instruction, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, CD-ROM read-only memory (CD-ROM), Digital versatile disc (DVD) or other optical storages, magnetic tape cassette, the storage of tape magnetic rigid disk or other magnetic storage apparatus Or any other non-transmission medium, available for storing the information that can be accessed by a computing device.It defines, calculates according to herein Machine readable medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, term " comprising ", "comprising" or its any other variant are intended to nonexcludability Comprising so that process, method, commodity or equipment including a series of elements are not only including those elements, but also wrap Include other elements that are not explicitly listed or further include for this process, method, commodity or equipment it is intrinsic will Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including element Also there are other identical elements in process, method, commodity or equipment.
It will be understood by those skilled in the art that embodiments herein can be provided as method, system or computer program product. Therefore, complete hardware embodiment, complete software embodiment or the embodiment in terms of combining software and hardware can be used in the application Form.It is deposited moreover, the application can be used to can be used in one or more computers for wherein including computer usable program code The shape of computer program product that storage media is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.
It these are only embodiments herein, be not limited to the application.To those skilled in the art, The application can have various modifications and variations.All any modifications made within spirit herein and principle, equivalent replacement, Improve etc., it should be included within the scope of claims hereof.

Claims (10)

1. a kind of fingerprint method of payment, which is characterized in that including:
Obtain the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange;The first terminal is arranged on Consume place;
The target that the characteristic point of fingerprint inputted in process of exchange with the user matches is searched in characteristic point data library Characteristic point;
Judge whether to search successfully, obtain the first judging result;
When first judging result expression is searched successfully, the corresponding bank account of the target feature point is determined;
The process of exchange is completed based on the bank account.
2. according to the method described in claim 1, it is characterized in that, described complete described merchandised based on the bank account Journey specifically includes:
Determine corresponding transaction amount in the process of exchange;
Determine the Merchant Account in the process of exchange;
The transaction amount is gone into the Merchant Account from the bank account corresponding fund.
3. according to the method described in claim 1, it is characterized in that, described searched in characteristic point data library exists with the user The target feature point that the characteristic point of the fingerprint inputted in process of exchange matches, specifically includes:
Using 1:The algorithm of N searches the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match.
4. according to the method described in claim 1, it is characterized in that, the acquisition collected user of first terminal was merchandising Before the characteristic point of the fingerprint inputted in journey, further include:
The characteristic point for the fingerprint that the user inputs in second terminal is obtained, and the characteristic point is stored to characteristic point data Library;
Obtain the bank account information of the user;
Obtain the identity document information of the user;
Establish the incidence relation between the characteristic point of the fingerprint and the bank account information and the identity document information.
5. the according to the method described in claim 4, it is characterized in that, fingerprint for obtaining the user and being inputted in second terminal Characteristic point, and the characteristic point is stored to characteristic point data library, including:
The characteristic point of multiple fingerprints that the user inputs in second terminal is obtained, and the characteristic point of the multiple fingerprint is stored To characteristic point data library.
6. a kind of fingerprint payment mechanism, which is characterized in that including:
Acquisition module, for obtaining the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange;It is described First terminal is arranged on consumption place;
Searching module, for searching the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match;
Judgment module for judging whether to search successfully, obtains the first judging result;
Bank account determining module, for when first judging result expression is searched successfully, determining the target feature point Corresponding bank account;
Transaction modules complete the process of exchange for being based on the bank account.
7. device according to claim 6, which is characterized in that the transaction modules are specifically used for:
Determine corresponding transaction amount in the process of exchange;
Determine the Merchant Account in the process of exchange;
The transaction amount is gone into the Merchant Account from the bank account corresponding fund.
8. device according to claim 6, which is characterized in that the searching module is specifically used for:
Using 1:The algorithm of N searches the characteristic point of fingerprint inputted in process of exchange with the user in characteristic point data library The target feature point to match.
9. device according to claim 6, which is characterized in that described device further includes:
Registration module, for before obtaining the characteristic point of fingerprint that the collected user of first terminal inputs in process of exchange, The characteristic point for the fingerprint that the user inputs in second terminal is obtained, and the characteristic point is stored to characteristic point data library;It obtains Take the bank account information of the user;Obtain the identity document information of the user;Establish characteristic point and the institute of the fingerprint State the incidence relation between bank account information and the identity document information.
10. device according to claim 9, which is characterized in that the registration module is specifically used for:
The characteristic point of multiple fingerprints that the user inputs in second terminal is obtained, and the characteristic point of the multiple fingerprint is stored To characteristic point data library.
CN201810217266.XA 2018-03-16 2018-03-16 A kind of fingerprint method of payment and device Pending CN108197945A (en)

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Application Number Priority Date Filing Date Title
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Application Number Priority Date Filing Date Title
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Publication Number Publication Date
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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1760904A (en) * 2005-11-17 2006-04-19 张晔 Charging system based on validation of fingerprint
CN104036176A (en) * 2014-07-03 2014-09-10 南昌欧菲生物识别技术有限公司 Fingerprint feature point registration method based on security levels, authentication method based on security levels and terminal equipment
CN105631673A (en) * 2015-08-07 2016-06-01 宇龙计算机通信科技(深圳)有限公司 Cloud payment method, payment terminal, cloud payment platform and cloud payment system
US9805370B1 (en) * 2016-03-31 2017-10-31 Square, Inc. Device fingerprinting at a merchant location

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1760904A (en) * 2005-11-17 2006-04-19 张晔 Charging system based on validation of fingerprint
CN104036176A (en) * 2014-07-03 2014-09-10 南昌欧菲生物识别技术有限公司 Fingerprint feature point registration method based on security levels, authentication method based on security levels and terminal equipment
CN105631673A (en) * 2015-08-07 2016-06-01 宇龙计算机通信科技(深圳)有限公司 Cloud payment method, payment terminal, cloud payment platform and cloud payment system
US9805370B1 (en) * 2016-03-31 2017-10-31 Square, Inc. Device fingerprinting at a merchant location

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Application publication date: 20180622