TWI810485B - Decentralized paymentsystem based on biological features - Google Patents

Abstract

A decentralized payment system based on biological features includes an acquiring server, a biological feature server, and a blockchain server. The acquiring server receives an acquiring data and a biological feature authentication data. The biological feature server authenticates user identification according to the biological feature authentication data. When the biological feature server determines that the biological feature authentication data matches the user identification, the biological feature server determines whether a payment institution of a payment account is the same with an acquiring institution. When the biological feature server determines that the payment institution is different from the acquiring institution, the blockchain server transmits a payment message to another blockchain server of the acquiring institution to require the payment account to pay the payment of the acquiring data.

Description

Decentralized biometric payment system

This case relates to a payment system, and in particular to a decentralized biometric payment system.

For various current financial payment behaviors, consumers must carry cash, physical credit cards or visa cards to pay, or carry electronic devices to make mobile payments. However, if the user forgets to carry cash, the physical card, the electronic device or the power supply of the electronic device is exhausted, or the cash is insufficient, any payment cannot be made at all. This is quite inconvenient for consumers in terms of payment.

The Summary of the Invention is intended to provide a simplified summary of the disclosure to provide the reader with a basic understanding of the content of the case. This summary is not an extensive overview of the disclosure and it is not intended to identify key/critical elements of the embodiments or to delineate the scope of the disclosure.

According to one embodiment of this case, a decentralized biometric payment system is disclosed, including an acquiring server, a biometric server, and a blockchain server. The acquiring server is configured to receive an acquiring data and a biometric verification information, wherein the acquiring server is associated with an acquiring financial institution. The biometric server is coupled to the receiving server. The biometric server is configured to verify a user identity of the billing data based on the biometric verification information, and when the biometric server determines that the user identity of the billing data matches the biometric verification information , judging whether a payment financial institution bound to a payment account is the same as the acquiring financial institution. The block chain server is coupled to the biometric server, wherein when the biometric server determines that the acquiring financial institution is different from the paying financial institution, the block chain server sends a message to another area of the paying financial institution The block chain server sends a payment message to request payment of the billing information from the payment account.

The following disclosure provides many different embodiments in order to implement the different features of the present disclosure. Embodiments of components and arrangements are described below to simplify the present case. Of course, these examples are exemplary only and are not intended to be limiting. For example, the use of terms such as "first" and "second" in this case to describe components is only used to distinguish the same or similar components or operations. These terms are not used to limit the technical components of this case, nor are they intended to Restricts the order or sequence of operations. In addition, in this application, element symbols and/or letters may be repeated in each embodiment, and the same technical terms may use the same and/or corresponding element symbols in each embodiment. This repetition is for simplicity and clarity and does not in itself indicate a relationship between the various embodiments and/or configurations discussed.

Please refer to FIG. 1 , which shows a block diagram of a decentralized biometric payment system 100 according to some embodiments of the present application. The decentralized biometric payment system 100 will establish the association and binding between the user's biometric information and the payment account in advance, and the user does not need to carry any card or show the payment barcode when purchasing goods or services in the store. As a medium, users only need to use their own biometric information to complete the payment.

In some embodiments, the decentralized biometric payment system 100 includes an acquiring server 110 , a biometric server 120 , an accounting server 130 and a blockchain server 140 . The acquiring server 110 is coupled to the biometric server 120 . The biometric server 120 is coupled to the accounting server 130 and the blockchain server 140 .

In some embodiments, the biometric server 120 of the decentralized biometric payment system 100 is communicatively coupled to the electronic device 200 . The electronic device 200 may be a portable electronic device, a mobile phone, a tablet computer (tablet computer), a personal digital assistant (PDA, personal digital assistant), a wearable device, a notebook computer, etc., equipped with a processor and/or a storage device, An electronic device that can execute applications installed on it and/or in the cloud.

In order to facilitate the description of the binding method between the user's biometric information and the payment account, please refer to Figure 1 and Figure 2 together below. FIG. 2 shows a flowchart of a method for binding biometric information according to some embodiments of the present invention. The binding method is executed by the electronic device 200 and the decentralized biometric payment system 100 . The electronic device 200 may be installed with an executable financial institution application for performing financial services. For example, the electronic device 200 is installed with the mobile banking application program of Huanan Bank, so that the user can operate the application program on the electronic device 200 to bind the biometric information. Biological feature information can be fingerprint (or finger vein) feature, eye iris feature, retina feature, face feature, palm print (or palm vein) feature, voice feature, etc. Any biological feature falls within the scope of this case and can be applied to this case full text.

It is worth mentioning that, for the sake of brevity, the following biometric information uses fingerprints as an example.

As shown in FIG. 2 , in step S210 , the biometric information of the user is captured through the electronic device 200 . In some embodiments, the user can operate the application program of the electronic device 200 to execute the biometric binding procedure.

In step S220 , the electronic device 200 transmits the biometric information associated with the user identity and the payment account to the biometric server 120 . In some embodiments, the payment account refers to an account of a financial institution held by the user. For example, the payment account may be, but not limited to, the user's bank account in a bank, credit card account, etc. Any means applicable to payment shall fall within the scope of this case.

In step S230, the biometric server 120 associates the biometric information with the payment account. In some embodiments, the biometric server 120 stores account information of all users, and after the association binding is established, the database of the biometric server 120 has the correlation between the account information and the biometric information. Since the biometric information is highly personal and unique, the corresponding biometric information can be used to verify whether the user is himself or not.

In some embodiments, in the binding information of the biometric server 120, each user may have accounts of one or more financial institutions as payment accounts. For example, the biometric server 120 stores the user's general account in Huanan Bank and the credit card of Citibank, both of which can be used as payment accounts. On the other hand, the user may also have multiple payment-type accounts in one or more than one financial institution. For example, the biometric server 120 stores the user's general account in Huanan Bank and two credit cards, the general account of First Bank, and the credit card of Cathay Bank. This case does not limit the payment method of the binding payment stored in the biometric server 120 .

Please refer to Figure 1 again. The decentralized biometric payment system 100 is communicatively coupled to the acquirer 300 . The acquiring device 300 may be an instant point-of-sale device installed in a store, or any cash register device.

In some embodiments, the acquiring device 300 includes a capture module 310 and a payment confirmation module 320 . The capture module 310 is used for reading the biometric verification information of the user. The payment confirmation module 320 is used to generate the payment information of the receipt data. In some embodiments, the capture module 310 may be a fingerprint (or finger vein) feature capture module, an iris feature capture module, a retina feature capture module, a facial feature capture module, a palm print (or palm vein) feature extraction module, voice feature extraction module, etc. For example, when a user wants to pay at a shop, he presses his finger on the fingerprint feature capturing module, and the acquiring device 300 can acquire the fingerprint feature. On the other hand, when the user wants to checkout at the store, the store can create acquiring information (such as a list of purchased goods or services and a list of price) on the acquiring device 300, and generate a payment message. The payment confirmation module 320 can be a touch (screen) module and/or a mechanical button for receiving the user's payment instruction. For example, after the acquiring device 300 obtains the fingerprint feature and passes the identity verification, the acquiring device 300 may prompt on a display screen (not shown) or a speaker (not shown) whether to confirm the payment. The user can send a confirmation payment instruction through the touch (screen) module and/or the mechanical button. In this way, the payment for the billing information will be directly deducted from the payment account to complete the payment procedure.

In some embodiments, the acquiring server 110 receives acquiring data and biometric verification information, wherein the acquiring server 110 is associated with an acquiring financial institution. For example, when a user makes a purchase in a store, the acquiring device 300 uploads the user's fingerprint and acquiring information to the acquiring server 110 .

In some embodiments, the acquiring server 110 is associated with an acquiring financial institution. For example, the decentralized biometric payment system 100 is set up in a financial institution, such as Huanan Bank. The acquiring server 110 is provided by the same financial institution (such as Huanan Bank). If the user pays later, if the binding payment financial institution is different from the acquiring financial institution, the payment information needs to be transferred to other financial institutions, which will be explained in the following paragraphs. It is worth mentioning that the acquiring device 300 and the decentralized biometric payment system 100 belong to the same financial institution. In other words, if the decentralized biometric payment system 100 is a system of Hua Nan Bank, then the connected acquiring device 300 is also provided by Hua Nan Bank to maintain information security and simplify the overall system architecture.

In some embodiments, the biometric server 120 verifies the user identity of the receiving data according to the biometric verification information. For example, the biometric server 120 searches and compares the received biometric verification information with the user biometric information stored in the database. The database refers to the data created when the aforementioned user binds biometric information and payment account.

In some embodiments, the accounting server 130 is used to perform deduction of the payment of the billing data. For example, when the biometric server 120 determines that the acquiring financial institution is the same as the paying financial institution, the biometric server 120 will send a payment message to the accounting server 130 . In this way, the accounting server 130 executes deduction.

In some embodiments, the blockchain server 140 is used to exchange messages with another blockchain server (not shown). For example, the blockchain server 140 is built by Huanan Bank, and another blockchain server (not shown) is built by First Bank. When the acquiring financial institution of the acquiring device 300 installed in the store is Huanan Bank, and the payment financial institution bound by the user is the first bank, the account server 130 of Huanan Bank cannot perform deduction at this time , but the payment information must be forwarded to the blockchain server of the First Bank through the blockchain server 140 of South China Bank, and then the account server of the First Bank will deduct the payment.

As mentioned above, the decentralized biometric payment system 100 is built by a financial institution, so every financial institution can implement the decentralized biometric payment system 100 of this case. On the other hand, the blockchain server in this case provides a way for financial institutions to exchange data. In other words, all financial institutions can connect with one or more financial institutions to join the payment system to form a decentralized structure without a central system for the exchange of financial information.

In order to facilitate the description of the method for the user to make payment through biometric information, please refer to FIG. 1 and FIG. 3 together below. FIG. 3 shows a flowchart of a payment method applicable to the decentralized biometric payment system 100 according to some embodiments of the present invention.

In step S305 , the acquiring server 110 receives the biometric verification information and acquiring data from the acquiring device 300 . The acquiring server 110 is associated with the acquiring financial institution.

In step S310, the biometric server 120 determines whether the biometric verification information matches a user's identity. In some embodiments, the biometric server 120 searches and compares the received biometric verification information with the user biometric information stored in the database, so as to obtain a payment account that can pay. If it is determined that the biometric verification information matches a user's identity, step S315 is executed.

In step S315, it is determined whether the payment financial institution bound to the payment account is the same as the acquiring financial institution. In some embodiments, if the acquiring financial institution is Huanan Bank and the paying financial institution is First Bank, it means that payment cannot be made in Huanan Bank's decentralized biometric payment system 100 . At this point, step S320 is executed. It is worth mentioning that the steps S310 and S315 can also be executed in exchange order, for example, step S315 is executed first, and then step S310 is executed.

In step S320, the blockchain server 140 sends a payment message to the payment financial institution to request payment for the billing information. For example, the blockchain server 140 of South China Bank is in communication connection with the blockchain server (not shown) of First Bank. The block chain server 140 of South China Bank sends a payment message to the block chain server (not shown) of the first bank, so that the account server (not shown) of the first bank executes the deduction.

In step S325, the payment financial institution returns a deduction completion message. For example, after the first bank completes the deduction, it generates a deduction completion message, and then returns the deduction completion message to the Huanan Bank's blockchain server through the first bank's blockchain server (not shown) 140. In this way, the payment procedure across financial institutions can be completed.

If in step S310, the biometric server 120 does not find a matching user identity, which means that there is no payment account available for deduction, then the payment process ends, and the decentralized biometric payment system 100 returns a deduction failure message to the acquiring device 300, requesting the user to make payment in other ways.

If in step S315, the payment financial institution bound to the payment account is the same as the acquiring financial institution, then step S330 is executed.

In step S330, the biometric server 120 sends a payment message to the billing server 130, and the billing server 130 executes the deduction of the payment of the billing information. For example, if both the decentralized biometric payment system 100 and the acquirer device 300 belong to the architecture supported by Huanan Bank, the accounting server 130 of Huanan Bank will directly execute the deduction, and after the deduction is completed, send Once the deduction is completed, the message is sent to the acquiring device 300 .

In some embodiments, the user can bind one or more payment accounts, and set the debit order among these payment accounts. For example, if the user binds Huanan Bank general account deduction, First Bank credit card deduction and Citibank credit card deduction, and set the deduction sequence in order. The accounting server 130 pays the billing data according to the order of deduction. If the first payment account fails to make the payment, the payment will be deducted from the second payment account.

In some embodiments, when the balance of the first payment account is not enough to pay the entire amount of the billing information, the second payment account is used to debit the remaining amount. For example, if the total amount of the receiving data is 200,000 yuan, the first payment account is a general account with 120,000 yuan in movable cash. Since the remaining 80,000 yuan has not been paid, the second-ranked First Bank credit card will pay the remaining 80,000 yuan at this time.

It is worth mentioning that the method of debiting money through multiple sequential payment accounts is performed through step S315, step S320, and step S325 described in FIG. 3 above, and will not be repeated here.

To sum up, the decentralized biometric payment system 100 in this case provides that financial institutions do not need to go through a central system such as a financial company, but only through a blockchain server to exchange account information. . Since the blockchain server in this case applies the characteristics of the blockchain that cannot be tampered with and can be independently verified, the security of the overall structure is increased. In addition, due to the decentralized nature, financial institutions are more resilient in joining or exiting the payment system. Furthermore, when the user consumes in the store, the user does not need to carry any mobile device, physical financial card, or present payment media such as payment barcodes when purchasing goods or services in the store. The user only needs to use his own The biometric information can be used to complete the payment. Compared with the existing payment mechanism, there are considerable differences and improvements. This case can take both convenience and security into account.

The above content summarizes the characteristics of several embodiments, so that those skilled in the art can better understand the aspect of the present application. Those skilled in the art should understand that without departing from the spirit and scope of the present application, the above content can be easily used as a basis for designing or modifying other changes, so as to achieve the same purpose and/or realize the embodiments described herein. same advantage. The above content should be understood as an example of this case, and the scope of protection should be based on the scope of the patent application.

100: Decentralized Biometric Payment System 110:Acquiring server 120: Biometric server 130:Accounting server 140:Blockchain server 200: electronic device 300:Acquiring device 310: Capture module 320:Payment confirmation module S210~S230, S305~S330: steps

When the following detailed description is read in conjunction with the accompanying drawings, it will help to better understand the aspect of the disclosed document. It should be noted that, as required by illustrative practice, features in the drawings are not necessarily drawn to scale. In fact, the dimensions of the various features may be arbitrarily increased or decreased for clarity of discussion. FIG. 1 shows a block diagram of a decentralized biometric payment system according to some embodiments of the present application. FIG. 2 shows a flowchart of a payment method applicable to a decentralized biometric payment system according to some embodiments of the present application. FIG. 3 shows a flowchart of a method for binding biometric information according to some embodiments of the present invention.

Domestic deposit information (please note in order of depositor, date, and number) none Overseas storage information (please note in order of storage country, institution, date, and number) none

100: Decentralized Biometric Payment System

110:Acquiring server

120: Biometric server

130:Accounting server

140:Blockchain server

200: electronic device

300:Acquiring device

310: Capture module

320:Payment confirmation module

Claims (6)

A decentralized biometric payment system, comprising: an acquiring server configured to receive an acquiring data and a biometric verification information, wherein the acquiring server is associated with an acquiring financial institution; a biometric a server associated with the acquiring financial institution, coupled to the acquiring server, wherein the biometric server is configured to verify a user identity of the acquiring data based on the biometric verification information, and when the biometric When the server determines that the user identity of the acquiring data matches the biometric verification information, it determines whether a payment financial institution bound to a payment account is the same as the acquiring financial institution; an accounting server is associated with The acquiring financial institution is coupled to the biometric server; and a blockchain server is associated with the acquiring financial institution and is coupled to the biometric server, wherein when the biometric server determines that the acquiring financial When the institution is the same as the payment financial institution, the biometric server sends the payment message to the accounting server, and the accounting server executes the deduction of the payment of the billing information, and when the biometric server determines that the When the acquiring financial institution is different from the paying financial institution, the blockchain server of the acquiring financial institution sends a payment message to another blockchain server of the paying financial institution, and the paying financial institution according to the payment The message executes the deduction of the payment of the acquiring data, and returns a deduction completion message to the acquiring financial institution's A blockchain server, wherein the biometric server is further configured to associate the biometric information with the payment account, wherein the payment account includes an account associated with the acquiring financial institution, and an account associated with the acquiring financial institution Accounts of different financial institutions of the acquiring financial institution, wherein the payment account includes a first account and a second account, when the biometric server determines that the user identity of the acquiring data matches the biometric verification information, performing payment according to the billing data in at least one of the first account and the second account. The decentralized biometric payment system as described in Claim 1, wherein the acquiring server is communicatively coupled to an acquiring device, and the acquiring device includes: an acquisition module for reading the biometric verification information; and a payment confirmation module, used to generate the payment information of the billing data. The decentralized biometric payment system as described in claim 2, wherein the acquiring device is set in a store. In the decentralized biometric payment system as described in Claim 1, wherein the first account and the second account can be set with a debit sequence, and the payment of the receiving data is paid according to the deduction sequence. The decentralized biometric payment system as described in claim 1, wherein when the balance of the first account is not enough to pay the entire amount of the billing information, the remaining amount is deducted from the second account. The decentralized biometric payment system as described in claim 1, wherein the biometric server is communicatively coupled to an electronic device, and the electronic device transmits a biometric information associated with the user identity and the payment account to the biometric Feature server.