CN113139811A

CN113139811A - Compound authentication payment method and device and server

Info

Publication number: CN113139811A
Application number: CN202110452523.XA
Authority: CN
Inventors: 骆伯俊
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-04-26
Filing date: 2021-04-26
Publication date: 2021-07-20

Abstract

The invention provides a composite authentication payment method, a device and a server, which can be used in the technical field of finance, and the method comprises the following steps: receiving a transaction payment instruction containing transaction payment information, collecting first biological characteristic information of a user, transmitting the first biological characteristic information to the transaction server so that the transaction server authenticates the first biological characteristic information, and if the authentication is passed, returning user information corresponding to the first biological characteristic information; receiving the user information and feeding back the user information to the user so that the user can confirm the user information, and if the user information passes the confirmation, receiving confirmation information input by the user; and forming a transaction payment request according to the transaction payment information and transmitting the transaction payment request to the transaction server so that the transaction server completes transaction deduction according to the transaction payment request.

Description

Compound authentication payment method and device and server

Technical Field

The invention relates to the technical field of payment equipment, can be used in the financial field, and particularly relates to a composite authentication payment method, a device and a server.

Background

In recent years, with the rapid increase of Chinese economy and the continuous improvement of people's living standard, financial transaction payment means are more and more diversified. When the POS equipment is used for transaction payment, the user mainly uses a bank card and a password for payment. On one hand, the transaction payment method adopting the bank card needs the user to carry the bank card with him, and when the user forgets or loses the bank card, the transaction payment can not be completed. In addition, when the user pays by the bank card, the user can only realize payment by deduction by inputting the bank card password to complete identity authentication, the bank card password is usually composed of a string of simple numbers, the safety coefficient is not high, and once the bank card password is leaked, unnecessary loss can be caused to the user. On the other hand, although there is a POS device using biometric authentication such as fingerprint recognition, which adds an authentication aid, there is a risk that fingerprint information may be stolen because of the presence of counterfeit POS or fraudulent POS, and the like, which is a risk that a consumer cannot recognize the POS device.

Disclosure of Invention

In order to solve at least one of the above problems, it is an object of the present invention to provide a compound authentication payment method for ensuring security of transaction payment through a plurality of authentication methods. Another object of the present invention is to provide a composite authentication payment apparatus. It is yet another object of the present invention to provide a transaction server. It is a further object of the present invention to provide a computer apparatus. It is a further object of this invention to provide such a readable medium.

In order to achieve the above object, the present invention discloses a composite authentication payment method, including:

receiving a transaction payment instruction containing transaction payment information, collecting first biological characteristic information of a user, transmitting the first biological characteristic information to the transaction server so that the transaction server authenticates the first biological characteristic information, and if the authentication is passed, returning user information corresponding to the first biological characteristic information;

receiving the user information and feeding back the user information to the user so that the user can confirm the user information, and if the user information passes the confirmation, receiving confirmation information input by the user;

and forming a transaction payment request according to the transaction payment information and transmitting the transaction payment request to the transaction server so that the transaction server completes transaction deduction according to the transaction payment request.

Preferably, before forming a transaction payment request based on the transaction payment information, further comprising:

and acquiring second biological characteristic information of the user, transmitting the second biological characteristic information to the transaction server so that the transaction server authenticates the second biological characteristic information, and if the second biological characteristic information passes the authentication, returning authentication passing information to form a transaction payment request according to the transaction payment information.

Preferably, the acquiring the second biometric information of the user specifically includes:

and determining whether the transaction payment information reaches a preset condition, and if so, acquiring second biological characteristic information of the user.

Preferably, after receiving the confirmation information input by the user, the method further comprises:

and sending the confirmation information to the transaction server so that the transaction server verifies the confirmation information, and if the verification is passed, returning verification passing information to form a transaction payment request according to the transaction payment information.

Preferably, the first biometric information is fingerprint information, and the second biometric information is finger vein information.

Preferably, the acquiring the first biometric information of the user specifically includes:

forming a corresponding electric signal based on the fingerprint of the finger of the user through a semiconductor assembly of a biological characteristic acquisition module, wherein the semiconductor assembly comprises an electrode array;

and acquiring the electric signal formed by the semiconductor component to obtain fingerprint information of a user.

infrared light is emitted through an infrared module of the biological characteristic acquisition module, and infrared light irradiation is carried out on fingers placed in the finger grooves of the user;

collecting vein pattern images of the fingers under the irradiation of infrared light through an imaging module of a biological characteristic collecting module;

and obtaining the finger vein information of the user according to the vein line image.

Preferably, the method further comprises the following steps:

when the first biological characteristic information or the second biological characteristic information is collected, the rotating assembly is controlled to rotate under the action of the driving torque of the driving assembly and drive the cover plate to expose the biological characteristic collecting module, wherein the cover plate is arranged above the biological characteristic collecting module and is connected with the payment device body through the rotating assembly;

and after the first biological characteristic information or the second biological characteristic information is acquired, controlling the rotating assembly to rotate under the action of the driving torque of the driving assembly and driving the cover plate to cover the biological characteristic acquisition module.

Preferably, the controlling the rotation assembly to rotate under the action of the driving torque of the driving assembly specifically comprises:

the control rocker arm rotates under the action of the driving torque output by the driving assembly to drive the cover plate with one end fixed to the rocker arm to rotate, wherein one end of the rocker arm is fixedly connected with the cover plate, and the other end of the rocker arm is fixedly connected with the driving assembly.

Preferably, the rotation of the control rocker arm under the action of the driving torque output by the driving assembly specifically comprises:

the power output shaft of the control driving motor rotates to drive the gear set to rotate, the gear set rotates to drive the rocker arm to rotate, the driving assembly comprises the driving motor and the gear set, and the gear set is connected with the other end of the rocker arm.

The invention also discloses a composite authentication payment method, which comprises the following steps:

receiving first biological characteristic information transmitted by a payment device, wherein the first biological characteristic information is obtained by acquiring first biological characteristic information of a user when the payment device receives a transaction payment instruction containing transaction payment information;

authenticating the first biological characteristic information, if the authentication is passed, determining user information corresponding to the first biological characteristic information and sending the user information to the payment device so that the payment device feeds the user information back to the user to enable the user to confirm the user information, if the user information is passed, receiving confirmation information input by the user, and forming a transaction payment request according to the transaction payment information;

and receiving the payment request transmitted by the payment device, and completing transaction deduction according to the transaction payment request.

Preferably, the method further comprises, before receiving the payment request transmitted by the payment device:

receiving second biological characteristic information transmitted by the payment device, wherein the second biological characteristic information is obtained by acquiring second biological characteristic information of a user by the payment device;

and authenticating the second biological characteristic information, and if the second biological characteristic information passes the authentication, returning authentication passing information to the payment device so that the payment device forms a transaction payment request according to the transaction payment information.

receiving confirmation information transmitted by the payment device;

and checking the confirmation information, and if the confirmation information passes the checking, returning checking passing information to the payment device so that the payment device forms a transaction payment request according to the transaction payment information.

The invention also discloses a composite authentication payment device, comprising;

the information acquisition module is used for receiving a transaction payment instruction containing transaction payment information, acquiring first biological characteristic information of a user, transmitting the first biological characteristic information to the transaction server so that the transaction server authenticates the first biological characteristic information, and if the authentication is passed, returning user information corresponding to the first biological characteristic information;

the information confirmation module is used for receiving the user information and feeding back the user information to ensure that the user confirms the user information, and if the user information passes the confirmation, the information confirmation module receives confirmation information input by the user;

and the transaction payment module is used for forming a transaction payment request according to the transaction payment information and transmitting the transaction payment request to the transaction server so that the transaction server completes transaction deduction according to the transaction payment request.

The invention also discloses a transaction server, comprising:

the payment device comprises an information receiving module, a payment processing module and a payment processing module, wherein the information receiving module is used for receiving first biological characteristic information transmitted by the payment device, and the first biological characteristic information is obtained by acquiring first biological characteristic information of a user, wherein the first biological characteristic information is a transaction payment instruction which contains transaction payment information and is received by the payment device;

the information verification module is used for authenticating the first biological characteristic information, determining user information corresponding to the first biological characteristic information and sending the user information to the payment device if the authentication is passed so that the payment device feeds the user information back to a user to confirm the user information, receiving confirmation information input by the user if the confirmation is passed, and forming a transaction payment request according to the transaction payment information;

and the transaction deduction module is used for receiving the payment request transmitted by the payment device and finishing transaction deduction according to the transaction payment request.

The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the program.

The invention also discloses a computer-readable medium, on which a computer program is stored which, when executed by a processor, implements a method as described above.

The composite authentication payment method receives a transaction payment instruction containing transaction payment information, collects first biological characteristic information of a user, transmits the first biological characteristic information to a transaction server so that the transaction server authenticates the first biological characteristic information, and returns user information corresponding to the first biological characteristic information if the authentication is passed. And receiving the user information and feeding back the user information to the user so that the user confirms the user information, and receiving confirmation information input by the user if the user information passes the confirmation. And forming a transaction payment request according to the transaction payment information and transmitting the transaction payment request to the transaction server so that the transaction server completes transaction deduction according to the transaction payment request. The invention authenticates the user identity through the interactive authentication mode of biological characteristic identification and confirmation information to finish off-line payment, solves the inconvenience brought by the fact that a consumer needs to carry a bank card to pay and needs to input a password, provides safer and more convenient transaction payment service for the user and improves the user experience.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 illustrates a flow diagram of a particular embodiment of a compound authentication payment method of the present invention;

fig. 2 shows a flowchart of a specific embodiment S210 of the payment method of the present invention;

fig. 3 shows a flowchart of a specific embodiment S211 of the payment method of the present invention with composite authentication;

fig. 4 shows a flowchart of a specific embodiment S220 of the payment method of the present invention;

FIG. 5 is a schematic block diagram illustrating a particular embodiment of a compound authentication payment device of the present invention;

FIG. 6 is a block diagram illustrating a particular embodiment of a compound authentication payment device of the present invention;

fig. 7 and 8 are schematic structural diagrams illustrating a specific embodiment of the compound authentication payment device of the invention;

fig. 9 shows a flowchart of a specific embodiment S100 of the payment method of the present invention;

fig. 10 shows a flowchart of a method for payment authentication based on a specific embodiment of the present invention, S220, for collecting second biometric information of a user;

fig. 11 shows a flowchart of a specific embodiment S500 of the payment method of the present invention;

fig. 12 is a flowchart of a specific embodiment S531 of the payment method by compound authentication of the present invention;

13-16 show schematic views of a dust prevention assembly of a particular embodiment of the compound authentication payment device of the present invention;

fig. 17 shows a flowchart of a specific embodiment S532 of the payment method by compound authentication of the present invention;

FIG. 18 illustrates a flow chart of an application of a particular embodiment of the compound authentication payment device of the present invention;

FIG. 19 is a flow diagram illustrating a particular embodiment of a compound authentication payment method (transaction Server) of the present invention;

fig. 20 is a flowchart illustrating a method for payment authentication based on a specific embodiment of the present invention, S620, for collecting second biometric information of a user;

FIG. 21 is a flow chart illustrating verification of validation information in accordance with an embodiment of the present invention;

FIG. 22 is a block diagram illustrating verification of validation information for a particular embodiment of a compound authentication payment device in accordance with the present invention;

FIG. 23 is a block diagram illustrating validation information verification for a particular embodiment of a transaction server of the present invention;

FIG. 24 illustrates a schematic block diagram of a computer device suitable for use in implementing embodiments of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the composite authentication payment method, the device and the server disclosed by the invention can be used in the financial field and can also be used in any field except the financial field, and the application fields of the composite authentication payment method, the device and the server disclosed by the invention are not limited.

In the prior art, when current POS equipment performs transaction payment, a user usually needs to use a bank card to swipe the card first, the POS equipment reads information in the bank card, then the user manually inputs a bank card password, and the bank card and the password can be verified to pass to complete payment. The payment mode of the existing POS equipment needs a user to carry a bank card, needs the user to memorize a bank card password, and cannot complete payment under the condition that the user forgets to carry the bank card or forget the password. In addition, under the condition that the bank card is lost, the password is leaked or the password is illegally stolen, the POS equipment cannot identify the identity of the user holding the bank card and inputting the password of the bank card, so that the user can not be guaranteed to pay for the transaction through the bank card, and the bank card can be stolen. That is, the conventional user authentication method includes identification articles (such as keys, certificates, ATM cards, etc.) and identification knowledge (such as user names and passwords), and since foreign objects are mainly used, once the identification articles and identification knowledge for proving the identity are stolen or forgotten, the identity of the user is easily faked or replaced by others. At present, POS equipment adopting feature authentication such as fingerprint identification exists, but the POS equipment generally adopts static biological features of a user, and the biological features are dangerous to be stolen, for example, for POS adopting fingerprints to carry out biological feature authentication, the fingerprints of the user are easy to collect and copy, so that the user can not be ensured to pay for transactions by using the single static biological features, and the property safety of the user still has threat. Finally, the biometric authentication module on the existing POS device usually needs to be provided with a sensor to collect the biometric features of the user, and the long-term exposure of the sensor to the external environment has risks of being damaged and polluted, which may cause the POS to be damaged. Thus, sensor exposure can affect the useful life of the POS device, increasing the probability of failure of the POS device.

The compound authentication payment system provided by the embodiment of the invention comprises a transaction terminal, a compound authentication payment device 1 and a transaction server. The composite authentication payment device 1 can receive a transaction payment instruction transmitted by a transaction terminal, collects information such as biological characteristic information and confirmation information of a user according to the transaction payment instruction, can communicate with a transaction server, and transmits the collected information to the transaction server for user identity authentication. The transaction server checks the information transmitted by the composite authentication payment device 1, if the check is passed and the user identity authentication is passed, the transaction deduction is carried out, and the transaction deduction result is returned to the composite authentication payment device 1.

The following describes an implementation process of the compound authentication payment method provided by the embodiment of the present invention, taking the compound authentication payment apparatus 1 as an execution subject. It can be understood that the executing subject of the composite authentication payment method provided by the embodiment of the invention includes, but is not limited to, the composite authentication payment device 1.

In order to provide safer and more convenient transaction payment service for users, the user experience is improved. The embodiment discloses a composite authentication payment method. As shown in fig. 1, in this embodiment, the method includes:

s100: receiving a transaction payment instruction containing transaction payment information, collecting first biological characteristic information of a user, transmitting the first biological characteristic information to the transaction server so that the transaction server authenticates the first biological characteristic information, and if the authentication is passed, returning user information corresponding to the first biological characteristic information.

S200: and receiving the user information and feeding back the user information to the user so that the user confirms the user information, and receiving confirmation information input by the user if the user information passes the confirmation.

S300: and forming a transaction payment request according to the transaction payment information and transmitting the transaction payment request to the transaction server so that the transaction server completes transaction deduction according to the transaction payment request.

In a preferred embodiment, as shown in fig. 2, the method further comprises, prior to forming a transaction payment request from the transaction payment information:

s210: and acquiring second biological characteristic information of the user, transmitting the second biological characteristic information to the transaction server so that the transaction server authenticates the second biological characteristic information, and if the second biological characteristic information passes the authentication, returning authentication passing information to form a transaction payment request according to the transaction payment information.

Specifically, it can be understood that, in order to further ensure the accuracy of the user identity authentication, in the preferred embodiment, the second biometric information of the user may be collected, and the second biometric information is sent to the transaction server, so that the transaction server verifies the second biometric information collected by the payment device 1 in real time according to the pre-stored second biometric information of the user, and if the verification is passed, the transaction server returns authentication passing information to the payment device 1. The payment device 1 can form a transaction payment request according to the transaction payment information after receiving the authentication passing information transmitted by the transaction server, and then continues transaction payment.

In a preferred embodiment, as shown in fig. 3, the acquiring 210 second biometric information of the user specifically includes:

s211: and determining whether the transaction payment information reaches a preset condition, and if so, acquiring second biological characteristic information of the user.

It can be understood that, in each offline transaction, the first biometric information and the second biometric information of the user are collected for multiple times, and mutual authentication is performed through the confirmation information, which may result in a decrease in the efficiency of user transaction payment. Therefore, for the transaction with low risk such as small transaction amount, the composite authentication payment of a plurality of authentication modes can be omitted. Therefore, in the preferred embodiment, by presetting the preset condition, after the user inputs the confirmation information, the payment device 1 may determine whether the preset condition is reached according to the transaction payment information, if so, collect the second biometric information of the user, otherwise, indicate that the transaction risk is low, and may form a transaction payment request to directly perform the transaction. The preset condition may be a transaction financial threshold, a transaction object, and the like, and may be set according to an actual situation in an actual application, which is not limited in the present invention.

In a preferred embodiment, as shown in fig. 4, the method further comprises, after said receiving confirmation information input by the user:

s220: and sending the confirmation information to the transaction server so that the transaction server verifies the confirmation information, and if the verification is passed, returning verification passing information to form a transaction payment request according to the transaction payment information.

In particular, it will be appreciated that, after receiving the user information transmitted by the transaction server, the payment device 1 may be presented to the user for the user to input confirmation information. The confirmation information may be confirmation operation information for confirming that the user information is correct, for example, the user presses the confirmation button 41 on the payment apparatus 1, and the confirmation button 41 transmits the confirmation information to the main control module 2 of the payment apparatus 1. In the preferred embodiment, in order to further authenticate the user identity, information interaction can be performed with the user to preset a specific confirmation message. When the user performs online transaction payment, after confirming the user information, inputting the preset confirmation information into the payment device 1, and the payment device 1 transmits the confirmation information to the transaction server so that the transaction server verifies the user identity according to the confirmation information preset by the user, and the payment device 1 can perform the next operation after the verification is passed, so that the authentication accuracy of the user identity is further ensured, and the security of the transaction payment is ensured. For example, in a specific example, as shown in fig. 5 to 8, the confirmation information may be "confirmation" information input by the user through the input module 4 of the payment apparatus 1, that is, confirmation information confirming that the user information displayed by the display module 3 is accurate. The confirmation information may also be preset confirmation information in the transaction server, and the user account may be registered or may be subjected to transaction payment after obtaining the confirmation information in other processes. For example, the confirmation information may be a check code, and after the user confirms that the user information displayed by the display module 3 is accurate, the user can input the check code through the input module 4, the transaction server performs comparison and verification on the check code and a pre-stored check code, and if the verification passes, it indicates that the confirmation information input by the user is accurate, and the information authentication passes.

More preferably, as shown in fig. 6-8, the composite authentication payment apparatus 1 includes a main body, and a main control module 2, a communication module 5, a display module 3, an input module 4 and a biometric acquisition module 6 which are disposed on the main body. Wherein, the main control module 2 can receive a transaction payment instruction containing transaction payment information, the biological characteristic acquisition module 6 is used for acquiring first biological characteristic information of a user, and transmits the first biological characteristic information to the transaction server through the communication module 5 so that the transaction server authenticates the first biological characteristic information, if the authentication is passed, returns user information corresponding to the first biological characteristic information, receives the user information and feeds the user information back to the user through the display module 3 so that the user confirms the user information, if the user information is confirmed, receives confirmation information input by the user through the input module 4, and forming a transaction payment request according to the transaction payment information and transmitting the transaction payment request to the transaction server through the communication module 5 so that the transaction server completes transaction deduction according to the transaction payment request. The input module 4 may comprise, among other things, a numeric function keypad including a plurality of keys 41. For example, as shown in fig. 3 and 4, in this specific example, the input module 4 includes a numeric function keypad composed of a plurality of keys 41, and the keys 41 can be divided into numeric keys (1-9, 0, 00, decimal point) and function keys (confirm, cancel, return). Each key 41 may form corresponding information based on a pressing operation of a user, and may transmit the formed information to the main control module 2.

In a preferred embodiment, the first biometric information is fingerprint information, and the second biometric information is finger vein information.

It will be appreciated that biometric identification techniques are more secure, confidential and convenient than traditional methods of identity authentication. The biological characteristic identification technology also has the advantages of difficult forgetting, good anti-counterfeiting performance, difficult counterfeiting or theft, portability, availability at any time and any place, and the like. The biometric identification technology mainly refers to a technology for identity authentication through human biometric features, and the human biometric features generally have the characteristics of uniqueness, measurable or automatic identification and verification, heredity or lifelong invariance and the like, so that the biometric identification technology has great advantages compared with the traditional identification technology. The biometric identification technology is a close combination of computers and high-tech means such as optics, acoustics, biosensors and biometric principles, and utilizes the inherent physiological characteristics (such as fingerprints, human faces, irises, etc.) and behavior characteristics (such as handwriting, voice, gait, etc.) of human bodies to identify the identity of individuals.

Biometric identification is the sampling of biometric features, extraction of their unique biometric features and conversion into digital codes, and further composing these codes into a feature template. As the cost of the microprocessor and various electronic components is continuously reduced and the precision is gradually improved, the biological identification system is gradually applied to the fields of commercial authorization control such as entrance guard, enterprise attendance management systems, consumption safety certification and the like. The biometric features used for biometric identification include hand shape, fingerprint, face shape, iris, retina, pulse, auricle, vein, etc., and the behavioral features include signature, voice, button 41 strength, etc. Based on these features, various biometric identification technologies such as hand shape recognition, fingerprint recognition, face recognition, pronunciation recognition, iris recognition, signature recognition, and vein recognition have been developed.

Because the human body characteristics have the unique property that the human body is not copied, the biological secret key cannot be copied, stolen or forgotten, and the identity identification is carried out by utilizing the biological identification technology, so that the method is safe, reliable and accurate. The common password, IC card, bar code, magnetic card or key have many disadvantages such as missing, forgetting, copying and being stolen. Therefore, by adopting the biological 'key', a user does not need to carry a large string of keys and does not need to remember or change the password with worry. The system administrator is not bound by forgetting the password. The biological recognition technology products are realized by means of modern computer technology, and are easy to be integrated with a computer and a safety, monitoring and management system to realize automatic management.

Specifically, for fingerprint recognition, there are various methods for implementing fingerprint recognition. Some of these are comparing local minutiae of fingerprints; some are directly identified by all features; still others use more unique methods such as moire fringe patterns and ultrasound of the fingerprint. Some devices are capable of measuring finger fingerprints instantaneously, and some are not. Among all biometric techniques, fingerprint recognition is currently the most widely used one.

In addition, for the biometric technology vein recognition, the vein pattern is read by using near infrared rays, and compared with the stored vein pattern, the recognition technology for recognizing the identity of the user is performed. The working principle is that the blood flowing in the human finger can absorb the light with specific wavelength, and the finger is irradiated by the light with specific wavelength, so that a clear image of the finger vein can be obtained. By using the inherent scientific characteristics, the acquired images are analyzed and processed, so that the biological characteristics of the finger veins are obtained, and then the obtained finger vein characteristic information is compared with the finger vein characteristics acquired in advance, so that the identity of the user is confirmed.

The vein recognition is that firstly, a personal vein distribution diagram is obtained through a vein recognition instrument, characteristic values are extracted from the vein distribution diagram according to a special comparison algorithm, images of veins of fingers, palms and backs of hands are obtained through an infrared CCD camera, digital images of the veins are stored in a computer system, and the characteristic values are stored. When vein is compared, a vein image is adopted in real time, characteristic values are extracted, advanced filtering, image binarization and refining means are used for extracting characteristics of the digital image, the characteristics are compared with vein characteristic values stored in a host computer, and a complex matching algorithm is used for matching the vein characteristics, so that identity identification is carried out on individuals, and the identities are confirmed. The finger vein recognition technology belongs to the living body recognition technology, the finger which is not a living body can not obtain the vein image characteristics, and the finger can not be copied or counterfeited by recognizing the internal information of the finger, so that the finger vein recognition technology has high safety and anti-counterfeiting property.

In the preferred embodiment, the security and anti-counterfeiting characteristics of biological characteristic identification are utilized, the accuracy of user identity authentication is ensured through two biological identification modes of fingerprint identification and finger vein identification, and the fingerprint identification card can be used as a payment certificate instead of a bank card and a password of a user. It should be noted that, in this embodiment, two biometric identification manners, namely fingerprint identification and finger vein identification, are adopted to perform identity authentication of transaction payment, in other embodiments, a person skilled in the art may select other biometric identification manners according to actual situations, which is not limited in the present invention.

In particular, in a preferred embodiment, the biometric acquisition module 6 may include a fingerprint acquisition module 61 and a finger vein acquisition module 62. When transaction payment is performed, the main control module 2 of the payment device 1 may receive a transaction payment instruction sent by an external transaction terminal, and send a fingerprint acquisition instruction to the fingerprint acquisition module 61 according to the transaction payment instruction. The fingerprint collection module 61 starts fingerprint collection after receiving the fingerprint collection instruction, collects the fingerprint of the user to obtain the fingerprint information of the user, and feeds back the fingerprint information to the main control module 2. The main control module 2 can further transmit the received fingerprint information of the user to the communication module 5, and the fingerprint information is transmitted to the transaction server through the wired or wireless transmission mode of the communication module 5.

After receiving the fingerprint information of the user, the transaction server may compare the fingerprint information of the user with the pre-stored fingerprint information, and if the comparison is successful, may obtain the user information corresponding to the fingerprint information of the user, and return the user information to the payment device 1. After receiving the user information transmitted by the transaction server, the communication module 5 of the payment device 1 forwards the user information to the main control module 2, and then the main control module 2 can display the user information through the display module 3, so that the user can see the user information fed back by the transaction server through the display module 3 and confirm whether the user information is accurate. After confirming that the user information is accurate, the user can input confirmation information through the input module 4. The input module 4 forms confirmation information based on the operation of the user and transmits the confirmation information to the main control module 2, and the main control module 2 can start a finger vein information acquisition process of the user according to the confirmation information to perform secondary authentication. Preferably, the confirmation information is transmitted to the transaction server through the communication module 5 so that the transaction server verifies the confirmation information, and if the verification is passed, the confirmation information input by the user is accurate and correct. After the confirmation information is verified, the transaction server may feed back information of successful authentication to the payment apparatus 1. The communication module 5 receives the successful authentication information transmitted by the transaction server and then forwards the successful authentication information to the main control module 2, and the main control module 2 starts the finger vein information acquisition process of the user after receiving the successful authentication information.

When the main control module 2 starts the finger vein collection process of the user, a finger vein collection instruction is transmitted to the finger vein collection module 62. The finger vein collection module 62 collects the finger vein information of the user after receiving the finger vein collection instruction, and then transmits the finger vein information to the main control module 2. The main control module 2 receives the finger vein information transmitted by the finger vein acquisition module 62 and transmits the finger vein information to the transaction server through the communication module 5, so that the transaction server can deduct money and pay for the finger vein information. The trading server further compares the finger vein information with pre-stored user finger vein information, and if the comparison is successful, the user identity verification is passed. And after the identity verification is passed, the transaction server can deduct money from the user account based on the transaction amount in the transaction payment instruction, and after the money deduction is successful, the result information of the successful money deduction is fed back to the payment device 1. The communication module 5 receives the deduction payment result information returned by the transaction server and forwards the deduction payment result information to the main control module 2, and the main control module 2 can display the deduction payment result information through the display module 3 after receiving the payment result information transmitted by the communication module 5.

In summary, in the preferred embodiment, the user identity is verified by triple authentication modes of fingerprint information authentication, confirmation information authentication and finger vein information authentication of the user in sequence, accuracy of user identity authentication is guaranteed by multiple biological characteristic authentication and information authentication modes, and security of transaction payment is guaranteed, so that property safety of the user is protected, and a bank card is prevented from being embezzled. Meanwhile, the inconvenience that the user needs to carry a bank card and memorize the password is avoided, and the user experience is improved.

In a preferred embodiment, in the process of composite authentication payment, a collection two-dimensional code can be formed according to transaction payment information, and the collection two-dimensional code is transmitted to the display module 3 to be displayed, so that a user can complete transaction payment in a two-dimensional code payment mode, and can complete transaction payment in multiple payment modes, and a multifunctional POS device is provided.

It should be noted that the user information may include one or more of information such as a user name, an account number, an account type, an account level, and the like, and in practical application, other user information may also be set according to practical situations, which is not limited in the present invention.

In a preferred embodiment, as shown in fig. 6-8, the display module 3 may be controlled by the payment device 1 to display user information to the user. More preferably, the display module 3 may include a liquid crystal display panel 31. The lcd 31 can display various information transmitted by the main control module 2 under the control of the main control module 2. In other embodiments, the display module 3 may also realize the display function by other structures, which is not limited in the present invention.

Thus, in the preferred embodiment, the process of performing the compound authentication payment by the payment apparatus 1 is: the main control module 2 responds to a transaction payment instruction to form a fingerprint acquisition instruction and transmits the fingerprint acquisition instruction to the fingerprint acquisition module 61, and the fingerprint acquisition module 61 is used for receiving the fingerprint acquisition instruction to acquire user fingerprint information; the main control module 2 receives the user fingerprint information transmitted by the fingerprint acquisition module 61, transmits the user fingerprint information to a transaction server through a communication module 5, receives user information returned by the transaction server according to the user fingerprint information, and transmits the user information to the display module 3 for display; the input module 4 receives confirmation information input by a user based on the user information and transmits the confirmation information to the main control module 2, and the main control module 2 receives the confirmation information and transmits a finger vein acquisition instruction to the finger vein acquisition module 62; the finger vein collection module 62 receives the finger vein collection instruction to collect the finger vein information of the user, the main control module 2 receives the finger vein information transmitted by the finger vein collection module 62 and transmits the finger vein information to the transaction server through the communication module 5, so that the transaction server can carry out payment deduction on the finger vein information, receive payment deduction result information returned by the transaction server and display the payment deduction result information through the display module 3.

In a preferred embodiment, the payment device 1 may interact with the transaction server via the communication module 5. More preferably, the communication module 5 includes an antenna 51 and a communication chip 52. The antenna 51 is configured to receive a wireless signal sent by the transaction server to obtain wireless information, transmit the wireless information to the communication chip 52, receive the wireless information transmitted by the communication chip 52 to obtain a corresponding wireless signal, and send the wireless signal; the communication chip 52 is configured to receive the wireless information, obtain corresponding transaction process information, transmit the transaction process information to the main control module 2, receive the transaction process information transmitted by the main control module 2 to form wireless information, and transmit the wireless information to the antenna 51.

Specifically, the antenna 51 of the communication module 5 may exchange information with the transaction server in a wireless transmission mode, and send the information transmitted by the communication chip 52 in a radio wave mode. The transaction server can also be provided with a communication module 5, and after receiving the radio waves transmitted by the antenna 51 of the payment device 1, the communication module 5 of the transaction server forms corresponding current signals and performs corresponding processing and conversion to obtain corresponding information. Similarly, the transaction server forms a corresponding current signal after the radio wave emitted by the communication module 5 is wirelessly captured by the payment device 1, and the communication chip 52 outputs corresponding information to the main control module 2 based on the current signal. The communication chip 52 may be a 2G, 3G, 4G or 5G communication chip 52.

Preferably, as shown in fig. 3 and 4, the body may include a housing 11, and a receiving groove matched with the shape of the antenna 51 may be provided on the housing 11, so that the antenna 51 may be rotatably received in the receiving groove, which facilitates the receiving and arranging of the payment apparatus 1.

In a preferred embodiment, as shown in fig. 9, the acquiring, by S100, first biometric information of a user specifically includes:

s110: a corresponding electrical signal is formed based on the user's finger fingerprint by a semiconductor component 612 of the biometric acquisition module 6, said semiconductor component 612 comprising an array of electrodes.

S120: acquiring the electrical signal formed by the semiconductor component 612 obtains fingerprint information of a user.

In particular, in the preferred embodiment, the user fingerprint information may be collected by a capacitive principle. In one specific example, the fingerprint acquisition module 61 may include a fingerprint acquisition chip 611, a semiconductor component 612, and a fingerprint identification indicator light 613. Wherein the semiconductor component 612 comprises an electrode array, and forms a corresponding electrical signal based on the fingerprint of the finger of the user; the acquisition chip is used for receiving a fingerprint acquisition instruction transmitted by the main control module 2, starting the semiconductor component 612 to acquire fingerprint information, acquiring the electrical signal formed by the semiconductor component 612 to obtain the fingerprint information of a user, and controlling the fingerprint identification indicator lamp 613 to flash.

The semiconductor assembly 612 is mainly composed of capacitive semiconductor sensors, and thousands of semiconductor sensors are integrated on one "flat plate" to form an electrode array. The electrode array forms one side of the capacitor, the user finger is attached to the electrode array to form the other side of the capacitor, the finger plane is uneven, the actual distances between the convex point and the concave point, which are contacted with the sensors in the electrode array, are different, the formed capacitance values are also different, so that the current signals formed by circuit loops of different sensors in the electrode array are different in size, the different current signals correspond to different values, all the current signals formed by the electrode array based on the user finger fingerprint are collected through the fingerprint collection chip 611, the current signals are converted into values, a fingerprint image in the form of a value array can be obtained, and the fingerprint image can reflect the distribution characteristics of the user fingerprint.

The fingerprint acquisition chip 611 further performs the following preprocessing on the acquired fingerprint image: the method comprises the steps of image quality judgment, image enhancement, fingerprint area detection, fingerprint directional diagram and frequency estimation, image binarization (setting the gray value of each pixel point in a fingerprint image to be 0 or 255) and image thinning. From the preprocessed image, ridge line data of the fingerprint can be acquired. And extracting feature point information required by fingerprint identification from the ridge line data of the fingerprint to obtain the fingerprint information of the user. The fingerprint collection chip 611 can transmit the fingerprint information to the main control module 2. The main control module 2 can transmit the fingerprint information to the transaction server through the communication module 5, and the transaction server matches the fingerprint information with the fingerprint information of all users pre-stored in the database one by one, and judges whether the fingerprint information identical to the fingerprint information acquired by the fingerprint acquisition module 61 exists in the database.

The fingerprint identification indicator lamp 613 may be a single color light emitting diode. The fingerprint identification indicator lamp 613 is controlled by the fingerprint acquisition chip 611 to be turned on or off. Specifically, in the preferred embodiment, when collecting fingerprint information, the fingerprint collection chip 611 controls the fingerprint identification indicator lamp 613 to flash to prompt the user to collect a fingerprint, and the fingerprint collection chip 611 controls the fingerprint identification indicator lamp 613 to extinguish and keep normally closed after the collection is completed.

In a preferred embodiment, as shown in fig. 10, the step S220 of acquiring the second biometric information of the user specifically includes:

s221: infrared light is emitted by the infrared module 623 of the biometric acquisition module 6, and the finger of the user placed in the finger slot 622 is irradiated with the infrared light.

S222: the vein pattern image of the finger under the irradiation of the infrared light is acquired by the imaging module 624 of the biometric acquisition module 6.

S223: and obtaining the finger vein information of the user according to the vein line image.

Specifically, in a specific example, the finger vein collection module 62 includes a finger vein collection chip 621, a finger slot 622, an infrared module 623, an imaging module 624, and a finger vein identification indicator 625. Wherein the finger slot 622 comprises a bottom surface and a side wall, the side wall is provided with the infrared module 623, and the bottom surface is provided with the imaging module 624; the infrared module 623 is configured to emit infrared light, and irradiate the finger placed in the finger slot 622 by the user with the infrared light; the imaging module 624 is configured to collect vein images of a finger under irradiation of infrared light. The finger vein collection chip 621 is configured to receive a finger vein collection instruction transmitted by the main control module 2, start the infrared module 623 and the imaging module 624 to collect finger vein information, receive the vein pattern image transmitted by the imaging module 624 to obtain user finger vein information, and control the finger vein identification indicator light 625 to flash. The imaging module 624 may preferably use a CCD camera.

Specifically, the finger vein collection module 62 performs near-infrared light irradiation on the finger of the user through the infrared module 623, and acquires a vein pattern image of the finger vein by using the CCD camera. Finger slot 622 may guide the user into position to place a finger to be collected. The finger slot 622 includes a bottom surface and a side wall, the side wall being provided with the infrared module 623, and the bottom surface being provided with the imaging module 624. When a finger of a user is placed on the finger groove 622, the infrared module 623 on the side wall of the finger groove 622 emits near infrared light to penetrate through the finger, and the CCD camera on the side wall of the finger groove 622 shoots the finger under the irradiation of the near infrared light to obtain a vein pattern image of the finger of the user, so that the collection of the vein image of the finger is completed.

The finger vein collection chip 621 is responsible for finger vein identification work, and specifically, advanced filtering, image binarization and refining means are applied to the collected finger vein image to extract characteristic value information, namely finger vein information, required by the finger vein identification from the digital image extraction characteristics. The finger vein collection chip 621 may transmit the finger vein information to the main control module 2. The main control module 2 can transmit the finger vein information to the transaction server through the communication module 5, and the transaction server matches the finger vein information with finger vein information of all users stored in the database one by one, and judges whether the database has the same finger vein information as the finger vein information acquired by the finger vein acquisition module 62. And if the same pre-stored finger vein information is obtained through matching, the identity of the user can be determined according to the pre-stored finger vein information.

Preferably, the finger vein recognition indicator 625 may be a single color led, and the finger vein recognition indicator 625 may be turned on and off under the control of the finger vein collection chip 621. Specifically, in the preferred embodiment, when collecting finger vein information, the finger vein collection chip 621 controls the finger vein identification indicator lamp 625 to flash to prompt the user to collect the finger vein information, the finger vein identification indicator lamp 625 is made to flash continuously during the finger vein information collection work of the user, and after the collection is completed, the finger vein collection chip 621 controls the finger vein identification indicator lamp 625 to be turned off and to keep a normally-closed state.

In a preferred embodiment, as shown in fig. 11, the method further includes S500:

s510: when the first biological characteristic information or the second biological characteristic information is collected, the rotating assembly 72 is controlled to rotate under the action of the driving torque of the driving assembly and drive the cover plate 71 to expose the biological characteristic collection module 6, wherein the cover plate 71 is arranged above the biological characteristic collection module 6 and is connected with the body through the rotating assembly 72.

S520: after the first biometric information or the second biometric information is acquired, the rotating assembly 72 is controlled to rotate under the action of the driving torque of the driving assembly and drive the cover plate 71 to cover the biometric acquisition module 6.

Specifically, in a specific example, the payment device 1 is provided with a dust-proof component 7, and the main control module 2 in the payment device 1 is further configured to control the dust-proof component 7 to rotate relative to the body so that the dust-proof component 7 covers or exposes the biometric feature acquisition module 6.

The dust-proof assembly 7 comprises a cover plate 71, a rotating assembly 72 and a driving assembly. The cover plate 71 is disposed above the biometric acquisition module 6 and connected to the body through the rotating component 72, and the rotating component 72 rotates under the driving torque of the driving component and drives the cover plate 71 to cover or expose the biometric acquisition module 6.

Specifically, as shown in fig. 6 to 8, the dustproof assembly 7 includes a cover plate 71, a rotating assembly 72 and a driving assembly, and can effectively protect the exposed sensors and cameras of the fingerprint acquisition module 61 and the finger vein acquisition module 62 from being polluted and scratched by dust in the external environment. Wherein, the cover plate 71 is arranged above the biological characteristic acquisition module 6, and the cover plate 71 is connected with the body of the payment device 1 through the rotating component 72. The driving assembly connected to the rotating assembly 72 can apply a driving torque to the rotating assembly 72, and the rotating assembly 72 rotates under the driving torque, so as to drive the cover plate 71 connected to the rotating assembly 72 to rotate. The drive assembly may effect rotation of the cover plate 71 in different directions by changing the direction of the drive torque applied to the rotating assembly 72. The default position of the cover plate 71 may be set to a position covering the biometric acquisition module 6 when the biometric acquisition module 6 is not operating. When the biometric information of the user is collected by the biometric acquisition module 6 under the control of the main control module 2, the main control module 2 can control the driving assembly to start, so that the driving assembly applies a driving torque in a first rotating direction to the rotating assembly 72, the rotating assembly 72 rotates under the action of the driving torque and drives the cover plate 71 to rotate towards a direction far away from the biometric acquisition module 6 so as to expose the biometric acquisition module 6, and the biometric acquisition module 6 can collect the biometric information of the user. For example, when the biometric acquisition module 6 includes the fingerprint acquisition module 61 and the finger vein acquisition module 62, the cover 71 may be opened to allow a user to place a finger on the fingerprint acquisition module 61 or the finger vein acquisition module 62 for biometric information acquisition.

After the collection of the biological characteristic collection module 6 is completed, the main control module 2 can control the driving assembly to start, so that the driving assembly applies a driving torque in a second rotation direction to the rotating assembly 72, the rotating assembly 72 rotates under the action of the driving torque and drives the cover plate 71 to rotate towards the direction close to the biological characteristic collection module 6 so as to cover the biological characteristic collection module 6 again, and the biological characteristic collection module 6 is protected when the biological characteristic collection module 6 is not started.

In a preferred embodiment, as shown in fig. 12, the step S500 of controlling the rotating assembly 72 to rotate under the driving torque of the driving assembly specifically includes:

s531: the control rocker arm rotates under the action of the driving torque output by the driving assembly to drive the cover plate 71 fixed at one end of the rocker arm to rotate, wherein one end of the rocker arm is fixedly connected with the cover plate 71, and the other end of the rocker arm is fixedly connected with the driving assembly.

Specifically, as shown in fig. 13-16, in this particular example, the pivot assembly 72 includes at least one rocker arm. One end of the rocker arm is fixedly connected with the cover plate 71, the other end of the rocker arm is fixedly connected with the driving assembly, and the rocker arm rotates under the action of driving torque output by the driving assembly to drive the cover plate 71 fixed at one end of the rocker arm to rotate.

Specifically, in the particular example illustrated in fig. 13-16, the body may include a housing 11 and the pivot assembly 72 includes a first rocker arm 721 and a second rocker arm 722. The first and

second swing arms

721 and 722 are connected at first ends to the driving assembly and at second ends to the cover 71, respectively. The first and

second swing arms

721 and 722 may be disposed on both sides of the cover plate 71, respectively. The edge of the cover plate 71 may further be provided with a dust-proof sealing strip 12, and when the cover plate 71 covers the biometric feature acquisition module 6, the dust-proof sealing strip 12 is in close contact with the housing 11, so as to prevent dust from contacting the biometric feature acquisition module 6.

In a preferred embodiment, the cover plate 71 may be provided as translucent frosted perspex to facilitate inspection of the interior of the identification unit.

In a preferred embodiment, as shown in fig. 17, the step S500 of controlling the rocker arm to rotate under the action of the driving torque output by the driving assembly specifically comprises:

s532: and controlling a power output shaft of the driving motor 73 to rotate to drive a gear set 74 to rotate, wherein the gear set 74 rotates to drive the rocker arm to rotate, the driving assembly comprises the driving motor 73 and the gear set 74, and the gear set 74 is connected with the other end of the rocker arm.

Specifically, the driving assembly comprises a driving motor 73 and a gear set 74, and the gear set 74 is connected with the other end of the rocker arm. The driving motor 73 is started under the control of the main control module 2, a power output shaft of the driving motor 73 rotates to drive the gear set 74 to rotate, and the gear set 74 rotates to drive the rocker arm to rotate.

Specifically, the driving torque of the driving motor 73 can be output to the gear set 74 through the power output shaft, and is transmitted to the rocker arm of the rotating assembly 72 through the gear set 74, so as to drive the rocker arm to rotate. In one specific example, gear set 74 includes a drive gear 741 and a driven gear 742, with drive gear 741 and driven gear 742 being in mesh. Further, the first end of the swing arm may be relatively fixedly connected to the driven gear 742 via the rotating shaft 76, and the power output shaft of the driving motor 73 may be coaxially connected to the rotating shaft of the driving gear 741. The power output shaft of the driving motor 73 drives the driving gear 741 to rotate, the driving gear 741 rotates to drive the driven gear 742 to rotate, the driven gear 742 rotates to drive the rocker arm thereon to rotate, and the cover 71 can be opened or closed by the forward rotation or the reverse rotation of the motor, respectively.

Note that in this specific example, the gear set 74 includes a driving gear 741 and a driven gear 742. In practice, gear set 74 may include other numbers of gears. Moreover, the number of teeth of the gear can be set to be different and appropriate, so that the rotation of the rocker arm is reduced to an appropriate speed, and the dust cover plate 71 is opened and closed slowly.

The invention will be further illustrated by means of a specific example. In this specific embodiment, as shown in fig. 18, the composite authentication payment method includes:

step 201: the payment device 1 is started and can accept transaction payment information.

Step 202: the merchant inputs transaction information including transaction amount and the like, confirms the transaction payment information by pressing a confirmation key, and transmits the transaction payment information to the payment device 1.

Step 203: the payment apparatus 1 starts fingerprint authentication, opens the dust-proof cover 71, lights the fingerprint identification indicator lamp 613, and simultaneously prompts the customer to collect a fingerprint on the display screen 31.

Step 204: the payment device 1 collects the customer fingerprint, extracts the feature code to form fingerprint information, encrypts and transmits the fingerprint information to the transaction server.

Step 205: and the transaction server performs fingerprint information matching in the fingerprint repository.

Step 206: if the fingerprint matching is successful, step 207 is executed if the fingerprint matching is successful, and step 216 is executed if the fingerprint matching is unsuccessful.

Step 207: and extracting the reserved user information of the corresponding client from the reserved information storage bank according to the client identifier corresponding to the fingerprint information which is successfully authenticated and paired, and encrypting and transmitting the information back to the payment device 1.

Step 208: the payment device 1 decrypts and displays the reserved user information, and the client performs authentication.

Step 209: if the reserved user information is correct, step 210 is executed, and if not, step 217 is executed.

Step 210: after the customer judges that the reserved user information is correct, the customer selects to continue authentication, the payment device 1 starts finger vein authentication, the finger vein identification indicator lamp 625 is lightened, and meanwhile the customer is prompted to collect finger veins on the display screen 31.

Step 211: the payment device 1 collects the finger vein of the customer, extracts the feature code to obtain finger vein information, encrypts and transmits the finger vein information to the transaction server.

Step 212: and the transaction server performs finger vein information pairing on the finger vein storage bank, and after the finger veins are successfully paired, simultaneously judges whether the client identification corresponding to the paired finger veins is consistent with the client identification corresponding to the paired fingerprints.

Step 213: if the pairing of the veins is successful, step 214 is executed if the pairing is successful, and step 218 is executed if the pairing is not successful.

Step 214: the transaction server extracts the bank card information of the corresponding customer from the card information repository according to the corresponding customer identification, carries out a deduction operation, and returns the transaction result to the payment device 1.

Step 215: the payment apparatus 1 displays the transaction result information and completes the transaction.

Step 216: the transaction server returns a prompt message that the fingerprint pairing is unsuccessful to the payment device 1 and terminates the transaction, and step 201 is executed.

Step 217: after the client judges that the reservation information is incorrect, a cancel key is pressed to select to cancel the transaction, and step 201 is executed.

Step 218: the transaction server returns a prompt message that the finger vein pairing is unsuccessful to the payment device 1, and terminates the transaction, and step 201 is executed.

In summary, the invention solves the inconvenience brought by carrying and using the bank card to pay and needing to input the secret by the consumer through the biometric authentication means on one hand, and on the other hand, the invention enables the consumer to accurately identify the legality of the POS transaction equipment through the composite authentication and interactive authentication technology, creates safer and more convenient financial service for the consumer and continuously improves the customer experience. On the other hand, by adopting the dustproof measures, the sensor of the payment device 1 is well protected, the service life of the equipment is prolonged, and the failure rate is reduced.

Based on the same principle, the embodiment also discloses a composite authentication payment method. As shown in fig. 19, in the present embodiment, the method includes:

s610: receiving first biological characteristic information transmitted by a payment device 1, wherein the first biological characteristic information is obtained by acquiring first biological characteristic information of a user when the payment device 1 receives a transaction payment instruction containing transaction payment information.

S620: and authenticating the first biological characteristic information, if the authentication is passed, determining user information corresponding to the first biological characteristic information and sending the user information to the payment device 1 so that the payment device 1 feeds the user information back to the user to ensure that the user confirms the user information, if the user information is passed, receiving confirmation information input by the user, and forming a transaction payment request according to the transaction payment information.

S630: and receiving the payment request transmitted by the payment device 1, and completing transaction deduction according to the transaction payment request.

The composite authentication payment method receives first biological characteristic information transmitted by a payment device 1, wherein the first biological characteristic information is obtained by acquiring first biological characteristic information of a user when the payment device 1 receives a transaction payment instruction containing transaction payment information. And authenticating the first biological characteristic information, if the authentication is passed, determining user information corresponding to the first biological characteristic information and sending the user information to the payment device 1 so that the payment device 1 feeds the user information back to the user to ensure that the user confirms the user information, if the user information is passed, receiving confirmation information input by the user, and forming a transaction payment request according to the transaction payment information. And receiving the payment request transmitted by the payment device 1, and completing transaction deduction according to the transaction payment request. . The invention authenticates the user identity through the interactive authentication mode of biological characteristic identification and confirmation information to finish off-line payment, solves the inconvenience brought by the fact that a consumer needs to carry a bank card to pay and needs to input a password, provides safer and more convenient transaction payment service for the user and improves the user experience.

In a preferred embodiment, as shown in fig. 20, the method further comprises, before receiving the payment request transmitted by the payment apparatus 1:

s621: and receiving second biological characteristic information transmitted by the payment device 1, wherein the second biological characteristic information is obtained by acquiring second biological characteristic information of the user by the payment device 1.

S622: and authenticating the second biological characteristic information, and if the second biological characteristic information passes the authentication, returning authentication passing information to the payment device 1 so that the payment device 1 forms a transaction payment request according to the transaction payment information.

In a preferred embodiment, as shown in fig. 21, the method further comprises, before receiving the payment request transmitted by the payment apparatus 1:

s631: receiving the confirmation information transmitted by the payment device 1.

S632: and checking the confirmation information, and if the confirmation information passes the checking, returning checking passing information to the payment device 1 so that the payment device 1 forms a transaction payment request according to the transaction payment information.

Because the principle of solving the problems by the method is similar to that of the method, the implementation of the method can be referred to the implementation of the method, and details are not repeated herein.

Based on the same principle, the embodiment also discloses a composite authentication payment device 1. As shown in fig. 22, the composite authentication payment apparatus 1 includes a main control module 2. The main control module 2 may include an information collection module 11, an information confirmation module 12, and a transaction payment module 13.

The information acquisition module 11 is configured to receive a transaction payment instruction including transaction payment information, acquire first biometric characteristic information of a user, transmit the first biometric characteristic information to the transaction server so that the transaction server authenticates the first biometric characteristic information, and if the authentication passes, return user information corresponding to the first biometric characteristic information.

The information confirmation module 12 is configured to receive the user information and feed back the user information to the user so that the user confirms the user information, and if the user information passes the confirmation, receive confirmation information input by the user.

The transaction payment module 13 is configured to form a transaction payment request according to the transaction payment information and transmit the transaction payment request to the transaction server so that the transaction server completes a transaction deduction according to the transaction payment request.

Since the principle of the device for solving the problems is similar to the method, the implementation of the device can refer to the implementation of the method, and the detailed description is omitted here.

In a preferred implementation, the embodiment also discloses a transaction server. As shown in fig. 23, the server includes an information receiving module 21, an information verifying module 22 and a transaction deduction module 23.

The information receiving module 21 is configured to receive first biometric information transmitted by the payment device 1, where the first biometric information is obtained by acquiring first biometric information of a user when the payment device 1 receives a transaction payment instruction including transaction payment information.

The information checking module 22 is configured to authenticate the first biometric information, determine, if the authentication passes, user information corresponding to the first biometric information, and send the user information to the payment device 1, so that the payment device 1 feeds the user information back to the user to confirm the user information, and if the user information passes the confirmation, receives confirmation information input by the user, and forms a transaction payment request according to the transaction payment information.

The transaction deduction module 23 is configured to receive the payment request transmitted by the payment device 1, and complete transaction deduction according to the transaction payment request.

Since the principle of solving the problem by the server is similar to the above method, the implementation of the server may refer to the implementation of the method, and is not described herein again.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

In a typical example, the computer device comprises in particular a memory, a processor and a computer program stored on the memory and executable on the processor, which when executed by the processor implements the method as described above.

Referring now to FIG. 24, shown is a schematic block diagram of a computer device 600 suitable for use in implementing embodiments of the present application.

As shown in fig. 24, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.

In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A compound authenticated payment method, comprising:

2. The composite authenticated payment method of claim 1, further comprising, prior to forming a transaction payment request from the transaction payment information:

3. The payment method with composite authentication according to claim 2, wherein the collecting the second biometric information of the user specifically comprises:

4. The composite authenticated payment method of claim 1, further comprising, after said receiving user input confirmation information:

5. The composite authentication payment method according to claim 2 or 3, wherein the first biometric information is fingerprint information, and the second biometric information is finger vein information.

6. The composite authentication payment method according to claim 5, wherein the collecting the first biometric information of the user specifically comprises:

7. The payment method with composite authentication according to claim 5, wherein the collecting the second biometric information of the user specifically comprises:

8. The composite authenticated payment method of claim 7, further comprising:

9. The composite authentication payment method according to claim 8, wherein the controlling of the rotation component to rotate under the driving torque of the driving component specifically comprises:

10. The composite authentication payment method of claim 9, wherein the rotation of the control rocker arm under the action of the driving torque output by the driving assembly specifically comprises:

11. A compound authenticated payment method, comprising:

12. The composite authentication payment method of claim 11, further comprising, prior to receiving the payment request transmitted by the payment device:

13. The composite authentication payment method of claim 11, further comprising, prior to receiving the payment request transmitted by the payment device:

receiving confirmation information transmitted by the payment device;

14. A compound authentication payment apparatus, comprising;

15. A transaction server, comprising:

16. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1-13 when executing the program.

17. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 13.