CN102314731A - Mobile payment method and equipment for implementing same - Google Patents
Mobile payment method and equipment for implementing same Download PDFInfo
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- CN102314731A CN102314731A CN2010102207802A CN201010220780A CN102314731A CN 102314731 A CN102314731 A CN 102314731A CN 2010102207802 A CN2010102207802 A CN 2010102207802A CN 201010220780 A CN201010220780 A CN 201010220780A CN 102314731 A CN102314731 A CN 102314731A
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Abstract
The invention relates to an electronic payment technology, in particular to a mobile payment method, and a mobile terminal and a payment processing system for implementing the mobile payment method. According to the invention, the mobile payment method comprises the following steps of: acquiring an iris image of a user by using the mobile terminal which is provided with an image acquisition unit; determining the identity of the user according to the acquired iris image; and with the payment processing system, performing payment processing by using a judgment result. Compared with the conventional mobile payment method, the embodiment of the invention has the advantages that: by using iris information as the authentication information of the identity of the user, the safety of the payment service of a mobile phone is greatly improved; and by using the iris information, the burden on password memorization of the user is eliminated. In the embodiment of the invention, the safety capacity of a smart card technology is fully utilized in the processing of the iris information. Moreover, a camera serves as the standard hardware configuration of the mobile terminal such as the mobile phone, so system hardware can be less modified by using the iris information, stead of password inputting.
Description
Technical field
The present invention relates to the E-Payment technology, particularly utilize the portable terminal and the payment processing system of method of mobile payment and this method of realization.
Background technology
Mobile payment allows the mobile subscriber to use its portable terminal (for example mobile phone) that the account payment is carried out in the commodity or the service of being consumed.As emerging disbursement and sattlement mode, because it has advantage such as convenient, fast, cheap and receives the favor of moving operator, businessman and consumer day by day.
Fig. 1 is a kind of synoptic diagram of typical mobile payment process.As shown in Figure 1; When the user after businessman order goods or service, payment processing system 100 is through 200 couples of users' of portable terminal authenticating identity, authentication mode for example can be following: the user is through identity informations such as portable terminal 200 input passwords; Payment processing system 100 is with identity information that receives and canned data comparison in advance; If coupling, then the judges identity is legal, and the user gets final product authority to pay disposal system 100 to its account operation of paying like this.Subsequently, payment processing system 100 is with the marketing system 300 of delivery operation message of successful notice businessman, and businessman then provides commodity or service to the consumer, and completion is promptly accused in transaction thus.
In the superincumbent mobile payment process,, must guarantee that user's input password is not stolen for the safety that guarantees to conclude the business.For this reason, industry has proposed multiple solution.For example the smart card of user mobile phone and user's bank card account number are set up a kind of relation one to one,,, still can guarantee the safety of user account as long as smart card is not stolen or bootlegging even user cipher is stolen like this.Yet it is fragile that such security mechanism remains, because the portable terminal such as mobile phone has become communication indispensable in the daily life or issued transaction instrument, is carried at body every day and stolen unavoidably or lose.
Summary of the invention
One of the object of the invention provides a kind of method of mobile payment, and it has improved the security of mobile payment greatly.
For realizing above-mentioned purpose, the method for mobile payment that is provided comprises the following steps:
Utilization is equipped with the portable terminal of image acquisition unit to obtain user's iris image;
Judge said user's identity according to the iris image that obtains; And
The result that the payment processing system utilization is judged accomplishes payment processes.
In above-mentioned method of mobile payment, said portable terminal is for being equipped with the mobile phone of camera.
In above-mentioned method of mobile payment, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner in said portable terminal:
Extract minutiae from the iris image that obtains; And
Unique point of extracting and the iris templates information corresponding to said user that is stored in the portable terminal are in advance compared, if coupling judges that then said user is the validated user of binding with disbursement account.
In above-mentioned method of mobile payment, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner:
Said portable terminal is extract minutiae from the iris image that obtains;
Said portable terminal is encrypted the unique point of extracting and is transmitted through the encrypted feature point to authenticating unit through Radio Link; And
Said authenticating unit compares the iris templates information corresponding to said user of unique point with storage in advance, if coupling judges that then said user is the validated user of binding with disbursement account.
In above-mentioned method of mobile payment, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner:
Said portable terminal is extract minutiae from the iris image that obtains;
Said portable terminal is encrypted the unique point of extracting and is transmitted through the encrypted feature point to point-of-sale terminal through Radio Link;
Said point-of-sale terminal is transmitted to authenticating unit with the encrypted feature point; And
Said authenticating unit compares the iris templates information corresponding to said user of unique point with storage in advance, if coupling judges that then said user is the validated user of binding with disbursement account.
In above-mentioned method of mobile payment, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner:
Said portable terminal is extract minutiae from the iris image that obtains;
Said portable terminal compares unique point of extracting and the iris templates information corresponding to said user that is stored in the portable terminal in advance, if coupling judges that then said user is the validated user of binding with disbursement account; And
Said portable terminal transmits judged result through the Radio Link mode to point-of-sale terminal.
In above-mentioned method of mobile payment, said portable terminal transmits through encrypted feature point or judged result to said point-of-sale terminal with the contactless communication mode.
In above-mentioned method of mobile payment, the communication frequency of said contactless communication mode is 13.56MHz or 2.4GHz.
In above-mentioned method of mobile payment, said iris templates information stores is in the smart card of mobile phone.
Of the present invention also have a purpose to provide a kind of portable terminal of realizing above-mentioned method of mobile payment, and it has improved the security of mobile payment greatly.
For realizing above-mentioned purpose, the portable terminal that is provided comprises:
Image acquisition unit is used to obtain user's iris image;
Comparing unit is used for judging according to the iris image that obtains said user's identity; And
Output unit is used for sending judged result through Radio Link.
In above-mentioned portable terminal, further comprise:
Graphics processing unit is used for from the iris image extract minutiae that obtains and is sent to said comparing unit;
Storage unit is used to store the iris templates information corresponding to said user,
Said graphics processing unit is deleted this unique point after sending said unique point to said comparing unit, said comparing unit compares unique point and iris templates information, if coupling judges that then said user is the validated user of binding with disbursement account.
In above-mentioned portable terminal, said storage unit is the smart card of mobile phone.
Above-mentioned purpose can also realize that this portable terminal comprises through following portable terminal:
Image acquisition unit is used to obtain user's iris image;
Graphics processing unit is used for from the iris image extract minutiae that obtains; And
Output unit is used for sending the unique point that is extracted through Radio Link.
In above-mentioned portable terminal, said graphics processing unit also is used to encrypt the unique point of extraction, and after encrypted feature point, deletes this unique point.
Of the present invention also have a purpose to provide a kind of payment processing system of realizing above-mentioned method of mobile payment, and it has improved the security of mobile payment greatly.
For realizing above-mentioned purpose, the payment processing system that is provided comprises:
Authenticating unit, whether the iris image judges that is used for obtaining according to portable terminal is the validated user of binding with disbursement account; And
The payment processes unit is used for when said authenticating unit judges that said user is the validated user of binding with disbursement account, accomplishing payment processes.
In above-mentioned payment processing system; Whether said authenticating unit is the validated user of binding with disbursement account according to the following manner judges: the unique point that will from iris image, extract compares with the iris templates information corresponding to said user of storage in advance; If coupling judges that then said user is the validated user of binding with disbursement account.
Compare with existing method of mobile payment; According to embodiments of the invention; Adopt the authentication information of iris information as user identity; Because therefore advantages such as iris recognition technology itself has pinpoint accuracy, high stability, high antifalsification, carries, is difficult for losing, is difficult for being stolen, noncontact is obtained have improved mobile-phone payment service security property greatly.In addition, utilize iris information also to remove the burden of user's memory cipher from.In an embodiment of the present invention, iris information relatively or handle and can in smart card, accomplish, therefore made full use of the security capabilities of smart card techniques.Moreover camera has become the standard hardware configuration of the portable terminal of mobile phone and so on, therefore in the mobile payment process, adopts iris information to replace the password input less relatively to the transformation amount of system hardware, helps popularizing.
Description of drawings
From the following detailed description that combines accompanying drawing, will make above and other objects of the present invention and advantage clear more fully.
Fig. 1 is a kind of synoptic diagram of typical mobile payment process.
Fig. 2 shows the synoptic diagram of the memory location of iris templates information.
Fig. 3 is the process flow diagram according to the remote Mobile method of payment of one embodiment of the invention.
Fig. 4 is the process flow diagram according to the remote Mobile method of payment of another embodiment of the present invention.
Fig. 5 is the process flow diagram according to the on-the-spot method of mobile payment of one embodiment of the invention.
Fig. 6 is the process flow diagram according to the on-the-spot method of mobile payment of another embodiment of the present invention.
Fig. 7 is the synoptic diagram according to the portable terminal of the realized off line authentication of one embodiment of the present of invention.
Fig. 8 is the synoptic diagram according to the portable terminal of realizing online authentication of one embodiment of the present of invention.
Fig. 9 is the synoptic diagram according to the payment processing system of realizing online authentication of one embodiment of the present of invention.
Embodiment
Accompanying drawing according to the expression embodiment of the present invention specifically describes embodiments of the invention below.
Iris recognition
Iris is the circular part between eyes black pupil and white sclera; Present a kind of radial structure from inside to outside generally; Fibr tissue by quite complicated constitutes, and includes a lot of interlaced minutias such as spot, filament, crown, striped, crypts that are similar to, and these characteristics were promptly decided with the mode of combination at random before birth; In case form constantly throughout one's life, so the accuracy of iris recognition is the highest in the various bio-identification.Iris recognition technology converts the visual properties of iris the iris code of several bytes to, and this Code Template (below be also referred to as iris templates information) is stored so that later stage identification is used.
Can adopt mode shown in Figure 2 to obtain iris templates information.As shown in Figure 2, at first use the high precision camera to absorb user's iris image, form unique point thereby select Algorithm of Iris Recognition that image information is handled subsequently, then unique point is encoded to generate this user's iris templates information.The selection of Algorithm of Iris Recognition will be considered factors such as computational complexity, recognition accuracy usually.
Referring to Fig. 2, iris templates information can have different memory locations according to the type of payment transaction.For example; For the payment transaction of using based on debit/credit; Can adopt storage mode one, iris templates information only is stored in (for example in the smart card of mobile phone) in the portable terminal, like this; At the portable terminal place is the identification that iris information capable of using is accomplished user identity, thereby replaces off line checking PIN.And for example, use, can adopt storage mode two, iris templates information only is stored in the authenticating unit of payment processing system, thereby uses identification to replace online validation PIN based on iris information for magnetic stripe card.Can also adopt storage mode three, in portable terminal and authenticating unit, store iris templates information simultaneously and use and the magnetic stripe card application to adapt to debit/credit.
When each payment; Utilize the image acquisition unit (the for example camera of mobile phone) of portable terminal to obtain user's iris image; Select same Algorithm of Iris Recognition that the iris image that obtains is handled (comprise image is carried out pre-service (recovery of image and enhancing), extract minutiae and unique point is encoded) then, thereby form the unique point coding, then with the iris templates information comparison of authorization information and storage as authorization information; If the two coupling; Then judge this user for the validated user bound with disbursement account and according to user's the instruction operation of paying, otherwise, refuse to pay operation.
Because iris templates information can be stored in a plurality of positions, therefore correspondingly, comparison procedure also can be carried out at different places, unit.In the preferred embodiment of the present invention, in order to improve security, authorization information can not be stored.For example; If relatively in portable terminal, carrying out of unique point or authorization information and iris templates information; Then promptly delete authorization information in case accomplish comparison procedure; (for example smartcard internal) carries out if perhaps comparison procedure is under security context, in case then get into comparison procedure then delete the outside authorization information of security context.On the other hand; If relatively in authenticating unit, carrying out of authorization information and iris templates information; Then portable terminal is promptly deleted authorization information after in a single day accomplishing the encryption of authorization information; (for example smartcard internal) carries out if perhaps ciphering process is under security context, in case then get into ciphering process then delete the outside authorization information of security context.In addition, in order further to improve security, the encrypted storage of iris templates information.
The remote Mobile payment
Below be example with the mobile-phone payment, the remote Mobile method of payment according to one embodiment of the present of invention is described.
Fig. 3 is the process flow diagram according to the method for mobile payment of one embodiment of the invention.As shown in Figure 3, in step 310, the user utilizes mobile phone through wireless network access payment processing system (for example e-bank).Then get into step 320, payment processing system prompting user imports account number and authorization information.
Following step 330-350 is relevant with the checking of user identity.Particularly, in step 330, the user obtains its iris image through the camera of mobile phone.In step 340; The iris image that obtains is sent to the graphics processing unit (the for example microprocessor in the mobile phone) of mobile phone and handles accordingly; For example graphics processing unit carries out pre-service (the for example recovery of image and enhancing) according to previously selected Algorithm of Iris Recognition to iris image and feature extraction is handled, thereby forms the unique point coding.In step 350, the smart card that is arranged in the mobile phone compares the iris templates information of storing in advance in unique point coding and the smart card.Meanwhile, in step 360, graphics processing unit deletion unique point coding.
Then in step 370, the result that mobile phone will compare sends to payment processing system together with account number through wireless network.
Then get into step 380, payment processing system determines whether to allow logging in system by user and account to operate (for example transfer accounts, remit money etc.) according to relatively result.That is to say, be the validated user of binding with current account if result relatively shows the user of present visit, then allows its login system, otherwise, refuse its logging request.
In the embodiment shown in fig. 3, the checking of user identity is accomplished in mobile phone, but this checking also can long-rangely realize.Fig. 4 shows the process flow diagram according to the remote Mobile method of payment of another embodiment of the present invention.
As shown in Figure 4, in step 410, the user utilizes mobile phone through the wireless network access payment processing system.Then get into step 420, payment processing system prompting user imports account number and authorization information.
Following step 430-450 is relevant with the generation of unique point coding or authorization information.Particularly, in step 430, the user obtains its iris image through the camera of mobile phone.In step 440; The iris image that obtains is sent to the graphics processing unit (the for example microprocessor in the mobile phone) of mobile phone and handles accordingly; For example graphics processing unit carries out pre-service according to previously selected Algorithm of Iris Recognition to iris image and feature extraction is handled, thereby forms the unique point coding.In step 450, unencrypted unique point coding is encrypted and deleted to graphics processing unit to the unique point coding.
Then get into step 460, the unique point coding after mobile phone will be encrypted sends to payment processing system together with account number through wireless network.In step 470, № then gets into step 480 subsequently, and payment processing system determines whether to allow logging in system by user and account to operate (for example transfer accounts, remit money etc.) according to relatively result.
On-the-spot mobile payment
Below be example with the mobile-phone payment, the on-the-spot method of mobile payment according to one embodiment of the present of invention is described.
Fig. 5 is the process flow diagram according to the on-the-spot method of mobile payment of one embodiment of the invention.As shown in Figure 5, in step 510, point-of-sale terminal reads the account number and the prompting of user's debit card stored card user's identity is verified.It is pointed out that the field apparatus that point-of-sale terminal described here refers to provides function for receiving cash, for example include but not limited to POS machine terminal and electronic cash register.
Following step 520-540 is relevant with the checking of user identity.Particularly, in step 520, the user obtains its iris image through the camera of mobile phone.In step 530, the graphics processing unit of mobile phone according to previously selected Algorithm of Iris Recognition the iris image that obtains is carried out pre-service and feature extraction is handled, thereby forms the unique point coding.In step 540, the smart card that is arranged in the mobile phone compares the iris templates information of storing in advance in unique point coding and the smart card.Meanwhile, in step 550, the unique point coding that the graphics processing unit deletion is generated.
Then in step 560, the result that mobile phone will compare sends to point-of-sale terminal through Radio Link.Reasonablely be, adopt contactless communication mode based on near-field communication technology through Radio Link with communicating by letter of point-of-sale terminal at mobile phone, communication frequency can be 13.56MHz or 2.4GHz.
In step 570, point-of-sale terminal is sent to payment processing system with account number with result relatively subsequently.In step 580, payment processing system determines whether to allow logging in system by user and account to operate (for example transfer accounts, remit money etc.) according to relatively result.
In the embodiment shown in fig. 5, the checking of user identity is accomplished in mobile phone, and still for the application of magnetic stripe card and so on, this checking must be accomplished in payment processing system.Fig. 6 shows the process flow diagram according to the on-the-spot method of mobile payment of another embodiment of the present invention, and this embodiment can satisfy this type application.
As shown in Figure 6, in step 610, point-of-sale terminal reads the account number and the prompting of user's magnetic stripe card stored card user's identity is verified.
Following step 620-640 is relevant with the generation of unique point coding or authorization information.Particularly, in step 620, the user obtains its iris image through the camera of mobile phone.In step 630, the graphics processing unit of mobile phone according to previously selected Algorithm of Iris Recognition iris image is carried out pre-service and feature extraction is handled, thereby forms the unique point coding.In step 640, unencrypted unique point coding is encrypted and deleted to graphics processing unit to the unique point coding.
Then get into step 650, the unique point coding after mobile phone will be encrypted sends to point-of-sale terminal through Radio Link.As stated, communicating by letter between mobile phone and the point-of-sale terminal can adopt the near-field communication technology to realize.
In step 660, point-of-sale terminal is sent to payment processing system with account number and encrypted feature point coding subsequently.
Then in step 670, the authenticating unit of payment processing system is with the deciphering of unique point coding and the unique point after will deciphering is encoded and the iris templates information of storage in advance compares.Get into step 680 subsequently, payment processing system determines whether to allow logging in system by user and account to operate (for example transfer accounts, remit money etc.) according to relatively result.
Portable terminal
The following portable terminal can realize above-mentioned method of mobile payment of describing with reference to Fig. 7 and 8.
Fig. 7 is the synoptic diagram according to the portable terminal with off line authentication ability of one embodiment of the present of invention.
As shown in Figure 7, portable terminal 700 comprises image acquisition unit 710, graphics processing unit 720, comparing unit 730, storage unit 740 and output unit 750.
In Fig. 7, image acquisition unit 710 is responsible for obtaining user's iris image.Portable terminal for mobile phone and so on; Camera has become configuration and the pixel count of standard generally in 1,000,000 magnitudes; The precision of the image of its picked-up has been enough to guarantee to get access to enough information and has generated feature coding, therefore can adopt its camera as image acquisition unit.
The iris image that obtains is transfused to graphics processing unit 720 and carries out Flame Image Process, for example according to previously selected Algorithm of Iris Recognition iris image is carried out pre-service and feature extraction processing, thereby forms the unique point coding.Can utilize existing computing unit in the portable terminal (for example microprocessor or digital signal processor) to realize the function of graphics processing unit; Also can dispose special graphic process unit separately and carry out above-mentioned Flame Image Process, these different modes all belong to spirit of the present invention and essential scope.
In addition, in order to improve security performance, graphics processing unit 720 is deleted this unique point immediately and is encoded in case illegally read after comparing unit 730 output characteristic points coding or simultaneously.
In the unique point coding of the iris image that comparing unit 730 generates graphics processing unit 720 and the storage unit 740 in advance the iris templates information of storage compare; If the two coupling; The iris of then confirming the active user is consistent with the iris of registration, judges that thus the user is the validated user of binding with disbursement account.
Preferably, can adopt the hardware of similar mobile phone intelligent card (SIM) form to come to realize simultaneously the function of above-mentioned comparing unit 730 and storage unit 740.Smart card is a kind of IC chip card, and modules such as microprocessor CPU, program memory ROM, working storage RAM, data-carrier store EEPROM and serial communication unit himself are housed.It can store user related data (the for example data of fixed data of international mobile subscriber identifier (IMSI), KI (KI) and so on and the related network temporarily deposited), the ability that has authentication functions and the data of storage are maintained secrecy.In the present embodiment; Can utilize the computing power of the microprocessor of smart card to realize the function of comparing unit 730; And the safety storing ability of utilizing smart card realizes the function of storage unit 740; For example can iris templates information be encrypted storage as sensitive data and forbidden reading from the smart card outside, thereby will make the unique point coding of iris image and the comparison procedure of iris templates information carry out at the smart card inner sealing.
Fig. 8 is the synoptic diagram according to the portable terminal of the online authentication ability of having of one embodiment of the present of invention.
As shown in Figure 8, portable terminal 800 comprises image acquisition unit 810, graphics processing unit 820, ciphering unit 830 and output unit 840.
Image acquisition unit 810, graphics processing unit 820 among image acquisition unit 810, graphics processing unit 820 and Fig. 7 are similar, repeat no more here.
In addition, in order to improve security performance, graphics processing unit 820 is deleted this unique point and is encoded in case illegally read after ciphering unit 830 output characteristic points coding or simultaneously.
The unique point coding of the iris image that 830 pairs of graphics processing units of ciphering unit 820 generate is encrypted.The hardware that preferably, can adopt similar mobile phone intelligent card form is as ciphering unit 830.
Output unit 840 is responsible for sending the unique point coding after encrypting through Radio Link to payment processing system or point-of-sale terminal etc.In addition, in order further to improve security performance, can be after output encrypted feature point coding or the while, delete this encrypted feature point and encode.
It is worthy of note that except mobile phone, portable terminal for example can also be various electronic equipments with wireless communication ability such as personal digital assistant and portable computer.
Payment processing system
The following payment processing system that can realize above-mentioned method of mobile payment of describing with reference to Fig. 9.
Fig. 9 is the synoptic diagram according to the payment processing system of one embodiment of the present of invention, and it can be worked in coordination with above-mentioned portable terminal and realize online authentication.
As shown in Figure 9, payment processing system 900 comprises authenticating unit 910, payment processes unit 920 and database 930.Portable terminal or point-of-sale terminal are sent to authenticating unit 910 with encrypted feature point coding.Authenticating unit 910 is with the deciphering of unique point coding and the unique point after will deciphering is encoded and the iris templates information that are stored in advance in the database 930 compare; If the two coupling; The iris of then confirming the active user is consistent with the iris of registration, judges that thus the user is the validated user of binding with disbursement account.Payment processes unit 920 determines whether to allow logging in system by user and account to operate (for example transfer accounts, remit money etc.) according to result of determination.Alternatively, database also can be included in authenticating unit 910 but not is independent of the unit of authenticating unit 910.
Since can be under the situation that does not deviate from essence spirit of the present invention, with the various forms embodiment of the present invention, therefore above-described embodiment only is illustrative rather than restrictive.Scope of the present invention is defined by accompanying claims, and various variations that top describing mode is done or change all belong to the protection domain of accompanying claims.
Claims (19)
1. a method of mobile payment is characterized in that, comprises the following steps:
Utilization is equipped with the portable terminal of image acquisition unit to obtain user's iris image;
Judge said user's identity according to the iris image that obtains; And
The result that the payment processing system utilization is judged accomplishes payment processes.
2. method of mobile payment as claimed in claim 1, wherein, said portable terminal is for being equipped with the mobile phone of camera.
3. method of mobile payment as claimed in claim 2, wherein, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner in said portable terminal:
Extract minutiae from the iris image that obtains; And
Unique point of extracting and the iris templates information corresponding to said user that is stored in the portable terminal are in advance compared, if coupling judges that then said user is the validated user of binding with disbursement account.
4. method of mobile payment as claimed in claim 1, wherein, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner:
Said portable terminal is extract minutiae from the iris image that obtains;
Said portable terminal is encrypted the unique point of extracting and is transmitted through the encrypted feature point to authenticating unit through Radio Link; And
Said authenticating unit compares the iris templates information corresponding to said user of unique point with storage in advance, if coupling judges that then said user is the validated user of binding with disbursement account.
5. method of mobile payment as claimed in claim 1, wherein, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner:
Said portable terminal is extract minutiae from the iris image that obtains;
Said portable terminal is encrypted the unique point of extracting and is transmitted through the encrypted feature point to point-of-sale terminal through Radio Link;
Said point-of-sale terminal is transmitted to authenticating unit with the encrypted feature point; And
Said authenticating unit compares the iris templates information corresponding to said user of unique point with storage in advance, if coupling judges that then said user is the validated user of binding with disbursement account.
6. method of mobile payment as claimed in claim 1, wherein, judge that according to the iris image that obtains the step of said user's identity is accomplished in the following manner:
Said portable terminal is extract minutiae from the iris image that obtains;
Said portable terminal compares unique point of extracting and the iris templates information corresponding to said user that is stored in the portable terminal in advance, if coupling judges that then said user is the validated user of binding with disbursement account; And
Said portable terminal transmits judged result through Radio Link to point-of-sale terminal.
7. like claim 5 or 6 described method of mobile payment, wherein, said portable terminal transmits through encrypted feature point or judged result to said point-of-sale terminal with the contactless communication mode.
8. method of mobile payment as claimed in claim 7, wherein, the communication frequency of said contactless communication mode is 13.56MHz or 2.4GHz.
9. like claim 3 or 6 described method of mobile payment, wherein, said iris templates information stores is in the smart card of mobile phone.
10. like any described method of mobile payment among the claim 3-6, wherein, said unique point and/or encrypted feature point can not be stored.
11. a portable terminal is characterized in that, comprises:
Image acquisition unit is used to obtain user's iris image;
Comparing unit is used for judging according to the iris image that obtains said user's identity; And
Output unit is used for sending judged result through Radio Link.
12. portable terminal as claimed in claim 11, wherein, said portable terminal is for being equipped with the mobile phone of camera.
13. portable terminal as claimed in claim 12 wherein, further comprises:
Graphics processing unit is used for from the iris image extract minutiae that obtains and is sent to said comparing unit;
Storage unit is used to store the iris templates information corresponding to said user,
Said graphics processing unit is deleted this unique point after sending said unique point to said comparing unit, said comparing unit compares unique point and iris templates information, if coupling judges that then said user is the validated user of binding with disbursement account.
14. portable terminal as claimed in claim 11, wherein, said comparing unit and storage unit adopt the smart card of mobile phone to realize.
15. a portable terminal is characterized in that, comprises:
Image acquisition unit is used to obtain user's iris image;
Graphics processing unit is used for from the iris image extract minutiae that obtains; And
Output unit is used for sending the unique point that is extracted through Radio Link.
16. portable terminal as claimed in claim 15, wherein, said portable terminal is for being equipped with the mobile phone of camera.
17. portable terminal as claimed in claim 15, wherein, said graphics processing unit also is used to encrypt the unique point of extraction, and after encrypted feature point, deletes this unique point.
18. a payment processing system is characterized in that, comprises:
Authenticating unit, whether the iris image judges that is used for obtaining according to portable terminal is the validated user of binding with disbursement account; And
The payment processes unit is used for when said authenticating unit judges that said user is the validated user of binding with disbursement account, accomplishing payment processes.
19. payment processing system as claimed in claim 18; Wherein, Whether said authenticating unit is the validated user of binding with disbursement account according to the following manner judges: the unique point that will from iris image, extract compares with the iris templates information corresponding to said user of storage in advance; If coupling judges that then said user is the validated user of binding with disbursement account.
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| CN2010102207802A CN102314731A (en) | 2010-07-06 | 2010-07-06 | Mobile payment method and equipment for implementing same |
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| CN2010102207802A CN102314731A (en) | 2010-07-06 | 2010-07-06 | Mobile payment method and equipment for implementing same |
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Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102930436A (en) * | 2012-10-23 | 2013-02-13 | 江苏乐买到网络科技有限公司 | Mobile payment method and device |
| CN102968865A (en) * | 2012-11-23 | 2013-03-13 | 广州易联商业服务有限公司 | Authentication method and system for mobile payment |
| CN103376896A (en) * | 2012-04-13 | 2013-10-30 | 邝景熙 | Method for electronic code drawing by eyes and electronic payment verification method |
| CN103455913A (en) * | 2013-08-26 | 2013-12-18 | 天地融科技股份有限公司 | NFC payment method, device, system and mobile terminal |
| CN103778537A (en) * | 2014-03-02 | 2014-05-07 | 郭沁谊 | Mobile terminal payment system having iris identification mechanism and application method thereof |
| CN104361324A (en) * | 2014-11-15 | 2015-02-18 | 安徽省新方尊铸造科技有限公司 | Supermarket quick payment system based on iris recognition technology |
| CN104463589A (en) * | 2014-12-25 | 2015-03-25 | 北京释码大华科技有限公司 | Payment authentication method, device and system |
| CN105141331A (en) * | 2012-12-22 | 2015-12-09 | 华为技术有限公司 | Glasses type communication device, system and method |
| CN105787477A (en) * | 2016-04-11 | 2016-07-20 | 北京奇虎科技有限公司 | Iris recognition method and terminal |
| CN105913019A (en) * | 2016-04-11 | 2016-08-31 | 北京奇虎科技有限公司 | Iris identification method and terminal |
| CN106033572A (en) * | 2015-03-20 | 2016-10-19 | 镇江华锐科技信息有限公司 | Mobile terminal system based on iris recognition system |
| CN106603237A (en) * | 2015-10-16 | 2017-04-26 | 中兴通讯股份有限公司 | Security payment method and apparatus |
| CN106611313A (en) * | 2015-10-21 | 2017-05-03 | 中兴通讯股份有限公司 | A payment method, a terminal and a payment server |
| CN106652134A (en) * | 2016-12-19 | 2017-05-10 | 北京公共交通控股（集团）有限公司 | Vehicle identification and control system and method of bus station |
| CN106991311A (en) * | 2017-03-30 | 2017-07-28 | 维沃移动通信有限公司 | A kind of information processing method and mobile terminal |
| CN107079031A (en) * | 2014-11-25 | 2017-08-18 | 微软技术许可有限责任公司 | The approval based on user authentication via the communication with the second equipment to the first equipment |
| CN107330699A (en) * | 2017-06-27 | 2017-11-07 | 王田 | Mobile terminal payment system based on image processing algorithm |
| CN103927651B (en) * | 2014-04-23 | 2018-05-04 | 百度在线网络技术（北京）有限公司 | Method of commerce, system and server |
| CN110443619A (en) * | 2019-08-05 | 2019-11-12 | 中国工商银行股份有限公司 | Method of payment and device by bus based on iris recognition and face recognition |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103376896A (en) * | 2012-04-13 | 2013-10-30 | 邝景熙 | Method for electronic code drawing by eyes and electronic payment verification method |
| CN102930436A (en) * | 2012-10-23 | 2013-02-13 | 江苏乐买到网络科技有限公司 | Mobile payment method and device |
| CN102968865A (en) * | 2012-11-23 | 2013-03-13 | 广州易联商业服务有限公司 | Authentication method and system for mobile payment |
| CN102968865B (en) * | 2012-11-23 | 2016-08-31 | 易联支付有限公司 | The authentication method of a kind of mobile payment and system |
| CN105141331A (en) * | 2012-12-22 | 2015-12-09 | 华为技术有限公司 | Glasses type communication device, system and method |
| CN103455913A (en) * | 2013-08-26 | 2013-12-18 | 天地融科技股份有限公司 | NFC payment method, device, system and mobile terminal |
| CN103455913B (en) * | 2013-08-26 | 2017-09-19 | 天地融科技股份有限公司 | NFC payment, device, system and mobile terminal |
| CN103778537A (en) * | 2014-03-02 | 2014-05-07 | 郭沁谊 | Mobile terminal payment system having iris identification mechanism and application method thereof |
| CN103927651B (en) * | 2014-04-23 | 2018-05-04 | 百度在线网络技术（北京）有限公司 | Method of commerce, system and server |
| CN104361324A (en) * | 2014-11-15 | 2015-02-18 | 安徽省新方尊铸造科技有限公司 | Supermarket quick payment system based on iris recognition technology |
| CN107079031B (en) * | 2014-11-25 | 2020-12-18 | 微软技术许可有限责任公司 | User authentication-based approval of a first device via communication with a second device |
| CN107079031A (en) * | 2014-11-25 | 2017-08-18 | 微软技术许可有限责任公司 | The approval based on user authentication via the communication with the second equipment to the first equipment |
| CN104463589B (en) * | 2014-12-25 | 2018-09-14 | 北京释码大华科技有限公司 | A kind of payment authentication method, equipment and system |
| CN104463589A (en) * | 2014-12-25 | 2015-03-25 | 北京释码大华科技有限公司 | Payment authentication method, device and system |
| CN106033572A (en) * | 2015-03-20 | 2016-10-19 | 镇江华锐科技信息有限公司 | Mobile terminal system based on iris recognition system |
| CN106603237A (en) * | 2015-10-16 | 2017-04-26 | 中兴通讯股份有限公司 | Security payment method and apparatus |
| CN106611313A (en) * | 2015-10-21 | 2017-05-03 | 中兴通讯股份有限公司 | A payment method, a terminal and a payment server |
| CN105913019A (en) * | 2016-04-11 | 2016-08-31 | 北京奇虎科技有限公司 | Iris identification method and terminal |
| CN105787477A (en) * | 2016-04-11 | 2016-07-20 | 北京奇虎科技有限公司 | Iris recognition method and terminal |
| CN106652134A (en) * | 2016-12-19 | 2017-05-10 | 北京公共交通控股（集团）有限公司 | Vehicle identification and control system and method of bus station |
| CN106991311A (en) * | 2017-03-30 | 2017-07-28 | 维沃移动通信有限公司 | A kind of information processing method and mobile terminal |
| CN107330699A (en) * | 2017-06-27 | 2017-11-07 | 王田 | Mobile terminal payment system based on image processing algorithm |
| CN110443619A (en) * | 2019-08-05 | 2019-11-12 | 中国工商银行股份有限公司 | Method of payment and device by bus based on iris recognition and face recognition |
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Application publication date: 20120111 |