CN102509400A - Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal - Google Patents

Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal Download PDF

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Publication number
CN102509400A
CN102509400A CN2011103452717A CN201110345271A CN102509400A CN 102509400 A CN102509400 A CN 102509400A CN 2011103452717 A CN2011103452717 A CN 2011103452717A CN 201110345271 A CN201110345271 A CN 201110345271A CN 102509400 A CN102509400 A CN 102509400A
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China
Prior art keywords
fingerprint
fixed network
user
network payment
information
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CN2011103452717A
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Chinese (zh)
Inventor
李健
梁敏
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ZHONGZHENG BIOLOGICAL IDENTIFICATION TECHNOLOGY Co Ltd HANGZHOU
Miaxis Biometrics Co Ltd
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ZHONGZHENG BIOLOGICAL IDENTIFICATION TECHNOLOGY Co Ltd HANGZHOU
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Priority to CN2011103452717A priority Critical patent/CN102509400A/en
Publication of CN102509400A publication Critical patent/CN102509400A/en
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Abstract

The invention discloses a fingerprint fixed-line phone network payment terminal, a system based on the fingerprint fixed-line phone network payment terminal and a method based on the fingerprint fixed-line phone network payment terminal. The fingerprint fixed-line phone network payment terminal comprises a main processor, an encryption unit, a fingerprint reading unit and a communication unit, wherein the encryption unit, the fingerprint reading unit and the communication unit are connected with the main processor respectively; the main processor accesses a fixed-line network through the communication unit, and receives and processes instructions from an upper computer and a user; the communication unit is used for making the fingerprint fixed-line phone network payment terminal access the fixed-line network; the fingerprint reading unit is used for reading the field fingerprint information of the user; and the encryption unit is used for security control over the payment terminal. A bank account or a password can be returned only in a fingerprint acquisition way without inputting the bank account or the password; therefore, compared with the prior fixed-line art, the terminal, the system and the method are high in security.

Description

Fingerprint fixed network payment terminal and based on the system and method at this terminal
Technical field
The present invention relates to a kind of fingerprint fixed network payment terminal and based on the system and method at this terminal.
 
Background technology
The fixed network payment is a kind of value-added service of on landline telephone, swiping the card and paying to individual, family, enterprise and medium and small trade company, and it realizes multi-functional payment based on the telephone terminal with function of swiping card, fixed telephone network, fixed network payment platform, banking network.
Like Fig. 1, the fixed network payment system generally comprises fixed network payment terminal, fixed network network, fixed network payment platform, Unionpay's payment platform, and said fixed network payment terminal is connected with said fixed network network, and said fixed network network is connected with said fixed network payment platform; Said fixed network payment platform is connected with said Unionpay payment platform.
Wherein, fixed network payment platform generally comprises fixed network payment platform network, terminal access server, encryption equipment, bank interface server; Said terminal access server, encryption equipment, bank interface server all are connected with said fixed network payment platform network.Below its function is done an explanation:
A, fixed network payment terminal: have the fixed telephone terminal of function of swiping card, generally possess standard magnetic stripe reader, IC-card card reader, be linked into fixed network payment platform through PSTN (Public Switched Telephone Network).
B, PSTN network, i.e. fixed network network.
C, fixed network payment platform:
A. terminal access server: be used for the access of fixed network payment terminal, accomplish the adaptive of communication protocol and conversion.
B. Service Process Server: realize the control of fixed network payment core business logic, be used for functions such as user management, terminal management, terminal authentication, the control of payment transaction flow process.
C. encryption equipment: encryption function is provided, the safety of guarantee information data.
D. bank interface server: financial institution's payment networks such as realization and bank, Unionpay interconnected, normally interconnected with the Unionpay payment platform, support all payment of bank card functions.
D, Unionpay's payment platform: financial payment network.
At present, the defective below the payment of the fixed network of above-mentioned technology exists:
[defective 1] fixed network payment terminal is the new terminals that on the basis of legacy telephony equipment, grows up; But because initial access threshold is low; Once causing that product brand is numerous, the index specification is low, the not first-class very different situation of technical manual, security situation allows of no optimist.
[defective 2] part fixed network payment terminal lacks sound security mechanism; Like security module and intrusion detection etc., security performance is relatively poor, is only applicable to family expenses; If but such terminal uses in commercial kitchen area in a large number, will stay great potential safety hazard to the application at phone-payment terminal.
The defective that [defective 3] can not avoid the close mode of legacy card to exist, card are lost, and password is forgotten, leakage etc.
 
Summary of the invention
In order to overcome the shortcoming of prior art, one of the object of the invention is to propose a kind of fingerprint fixed network payment terminal, with the defective that solves the prior art poor safety performance, can not avoid the close mode of legacy card to exist, only can be applied to the problem of family.
Two of the object of the invention is to propose a kind of fingerprint fixed network payment system, with the defective that solves the prior art poor safety performance, can not avoid the close mode of legacy card to exist, only can be applied to the problem of family.
Three of the object of the invention is to propose a kind of fingerprint fixed network method of payment, with the defective that solves the prior art poor safety performance, can not avoid the close mode of legacy card to exist, only can be applied to the problem of family.
Technical scheme of the present invention is following:
A kind of fingerprint fixed network payment terminal comprises: primary processor, ciphering unit, fingerprint reading unit, communication unit; Said ciphering unit, fingerprint reading unit, communication unit are connected with said primary processor respectively; Wherein:
Primary processor through communication unit access fixed network network, receives the instruction of handling host computer and user;
Communication unit is used for said fingerprint fixed network payment terminal access fixed network network;
The fingerprint reading unit is used to read user's fingerprint on site information;
Ciphering unit, be used for IC-card information, card information, finger print information etc. encryption and and host computer between safety communication.
Preferably, also comprise IC-card read-write cell, magnetic card read-write cell, demonstration output unit, keyboard input block, storage unit; Said each unit all is connected with said primary processor; Wherein:
Show output unit, be used for lcd screen and show output information;
The IC-card read-write cell is used for the IC-card Card read/write;
The magnetic card read-write cell is used for the bank magnetic stripe card Card read/write;
The keyboard input block is used for user's command information input.
Preferably, comprise fingerprint fixed network payment terminal, fingerprint recognition server, fixed network network, fixed network payment platform and Unionpay's payment platform, said fingerprint fixed network payment terminal is connected with said fixed network network, and said fixed network network is connected with said fixed network payment platform; Said fixed network payment platform is connected with said Unionpay payment platform;
Said fingerprint recognition server is used to the user fingerprints of verifying that the fingerprint fixed network payment terminal reads.
Preferably, said fingerprint recognition server is connected with said fixed network payment platform.
Preferably, said fingerprint recognition server is connected with said Unionpay payment platform.
Preferably, fixed network payment platform comprises Service Process Server; Said fingerprint recognition server is connected with said Service Process Server.
A kind of fingerprint fixed network method of payment based on above-mentioned system may further comprise the steps:
SA1: the user registers finger print information to appointed bank site or other stipulated places;
SA2:, and be stored in the fingerprint recognition server with the related binding of finger print information of registration with user's Bank Account Number;
SA3: according to prompting, the on-the-spot input of user finger print information; The fingerprint reading unit reads the finger print information of the on-the-spot input of user, and gives primary processor this fingerprint on site information transmission;
SA4: primary processor is transferred to fixed network payment platform after handling above-mentioned fingerprint on site information; Fixed network payment platform is sent to the fingerprint recognition server to the fingerprint on site information of this processing and verifies;
SA5: if verify successfully, the fingerprint recognition server returns the bank account information of binding with corresponding finger print information, and through fixed network payment platform, transmits back the fingerprint fixed network payment terminal; After the user confirms said accounts information, continue normal delivery operation;
SA6: if authentication failed is then returned step SA3.
A kind of fingerprint fixed network method of payment based on above-mentioned system may further comprise the steps:
SB1: the user registers finger print information to appointed bank site or other stipulated places;
SB2: the finger print information of registration and the password of user's bank account are bound, be stored in the fingerprint recognition server;
SB3: the payment transaction that the user need carry out in the selection of fingerprint fixed network payment terminal;
SB4: according to prompting, the user is at fingerprint fixed network payment terminal brush magnetic card;
SB5: according to prompting, the on-the-spot input of user finger print information; The fingerprint reading unit reads the finger print information of the on-the-spot input of user, and is transferred to primary processor to this finger print information;
SB6: primary processor is transferred to fixed network payment platform after handling above-mentioned fingerprint on site information; Fixed network payment platform is sent to Unionpay's payment platform to the fingerprint on site information of this processing; Unionpay's payment platform is sent to the fingerprint recognition server to this finger print information and verifies;
SB7: if verify successfully, the fingerprint recognition server returns the password of the Bank Account Number of binding with corresponding fingerprint, accomplishes payment work;
SB8: if authentication failed is then returned step SB5.
Compared with prior art, beneficial effect of the present invention is following:
The mode that the present invention only obtains through fingerprint just can realize returning of Bank Account Number or password.Need not to input Bank Account Number or password, safe.
First kind of fingerprint fixed network method of payment of the present invention, the finger print identifying server is connected with the solid payment platform of net, through the on-the-spot input of user fingerprint, can return Bank Account Number.So, the user can realize not having the card operation after registration, the problem that do not worry that card is stolen, lose, the close mode of legacy card such as personation exists.
The solid method of payment of second kind of fingerprint net of the present invention, the finger print identifying server is connected with the Unionpay payment platform.Behind the user card punching,, can directly obtain bank cipher and pay through the on-the-spot input of user fingerprint.Replaced password with fingerprint like this, the hidden danger of having avoided password to forget, leak well.
Description of drawings
Fig. 1 is the structural representation of the solid payment system of prior art net;
Fig. 2 is the structural representation of a kind of fingerprint fixed network payment terminal of the specific embodiment of the invention;
Fig. 3 is the structural representation of 1 one kinds of fingerprint fixed networks of embodiment of the invention payment system;
Fig. 4 is the process flow diagram of 1 one kinds of fingerprint fixed networks of embodiment of the invention method of payment;
Fig. 5 is the structural representation of 2 one kinds of fingerprint fixed networks of embodiment of the invention payment system;
Fig. 6 is the process flow diagram of 2 one kinds of fingerprint fixed networks of embodiment of the invention method of payment.
Embodiment
The below combines accompanying drawing and specific embodiment that further description is done in invention.
Embodiment 1
Like Fig. 2; A kind of fingerprint fixed network payment terminal 10 comprises: primary processor 11, ciphering unit 18, fingerprint reading unit 15, communication unit 12, IC-card read-write cell 16, magnetic card read-write cell 17, demonstration output unit 13, keyboard input block 14, storage unit 19; Said each unit all is connected with primary processor 11;
Wherein, primary processor 11 through communication unit 12 access fixed network networks, receives the instruction of handling host computer and user.
Communication unit 12 is used for said fingerprint fixed network payment terminal access fixed network network.
Fingerprint reading unit 15 is used to read user's fingerprint on site information.
Ciphering unit 18, be used for IC-card information, card information, finger print information etc. encryption and and host computer between safety communication.
Show output unit 13, be used for lcd screen and show output information.
IC-card read-write cell 16 is used for the IC-card Card read/write.
Magnetic card read-write cell 17 is used for the bank magnetic stripe card Card read/write.
Keyboard input block 14 is used for user's command information input.
Storage unit 19 is used to store information such as site information, fontlib information, transaction log.
Like Fig. 3, a kind of fingerprint fixed network payment terminal system 300 that comprises above-mentioned terminal 10 comprises fingerprint fixed network payment terminal 10, fingerprint recognition server 20, fixed network network 30, fixed network payment platform 40 and Unionpay's payment platform 50.Fingerprint fixed network payment terminal 10 is connected with fixed network network 30, and fixed network network 30 is connected with fixed network payment platform 40; Fixed network payment platform 40 is connected with Unionpay payment platform 50.
In the present embodiment, two fingerprint fixed network payment terminals 10 are connected with fixed network network 30.Be merely for example, during specific embodiment, can have a plurality of or a fingerprint fixed network payment terminal is connected with the fixed network network, the present invention does not make qualification to this.
Fingerprint recognition server 20 is used to the user fingerprints of verifying that the fingerprint fixed network payment terminal reads.Fingerprint recognition server 20 is connected with fixed network payment platform 40.
Fixed network payment platform 40 comprises: fixed network payment platform network 41, terminal access server 42, encryption equipment 43, bank interface server 44, Service Process Server 45; Terminal access server 42, encryption equipment 43, bank interface server 44, Service Process Server 45 all are connected with fixed network payment platform network 41.
Fingerprint recognition server 20 is connected with Service Process Server 45.
Like Fig. 4, a kind of fingerprint fixed network method of payment based on said system 300 may further comprise the steps:
SA1: the user registers finger print information to appointed bank site or other stipulated places;
SA2:, and be stored in the fingerprint recognition server with the related binding of finger print information of registration with user's Bank Account Number;
SA3: according to prompting, the on-the-spot input of user finger print information; The fingerprint reading unit reads the finger print information of the on-the-spot input of user, and gives primary processor this fingerprint on site information transmission;
SA4: primary processor is transferred to the network payment platform after handling above-mentioned fingerprint on site information; The network payment platform is sent to the fingerprint recognition server to the fingerprint on site information of this processing and verifies;
SA5: if verify successfully, the fingerprint recognition server returns the bank account information of binding with corresponding finger print information, and through fixed network payment platform, transmits back the fingerprint fixed network payment terminal; After the user confirms said accounts information, continue normal delivery operation;
SA6: if authentication failed is then returned step SA3.
Compared with prior art, a kind of fingerprint fixed network method of payment of the utility model, the finger print identifying server is connected with the solid payment platform of net, through the on-the-spot input of user fingerprint, can return Bank Account Number.So, the user can realize not having the card operation after registration, the problem that do not worry that card is stolen, lose, the close mode of legacy card such as personation exists.
Embodiment 2
Like Fig. 2; A kind of fingerprint fixed network payment terminal 10 comprises: primary processor 11, ciphering unit 18, fingerprint reading unit 15, communication unit 12, IC-card read-write cell 16, magnetic card read-write cell 17, demonstration output unit 13, keyboard input block 14, storage unit 19; Said each unit all is connected with primary processor 11;
Wherein, primary processor 11 through communication unit 12 access fixed network networks, receives the instruction of handling host computer and user.
Communication unit 12 is used for said fingerprint fixed network payment terminal access fixed network network.
Fingerprint reading unit 15 is used to read user's fingerprint on site information.
Ciphering unit 18, be used for IC-card information, card information, finger print information etc. encryption and and host computer between safety communication.
Show output unit 13, be used for lcd screen and show output information.
IC-card read-write cell 16 is used for the IC-card Card read/write.
Magnetic card read-write cell 17 is used for the bank magnetic stripe card Card read/write.
Keyboard input block 14 is used for user's command information input.
Storage unit 19 is used to store information such as site information, fontlib information, transaction log.
Like Fig. 5, a kind of fingerprint fixed network payment terminal system 600 that comprises above-mentioned terminal 10 comprises fingerprint fixed network payment terminal 10, fingerprint recognition server 20, fixed network network 30, fixed network payment platform 40 and Unionpay's payment platform 50.Fingerprint fixed network payment terminal 10 is connected with fixed network network 30, and fixed network network 30 is connected with fixed network payment platform 40; Fixed network payment platform 40 is connected with Unionpay payment platform 50.
In the present embodiment, two fingerprint fixed network payment terminals 10 are connected with fixed network network 30.Be merely for example, during specific embodiment, can have a plurality of or a fingerprint fixed network payment terminal is connected with the fixed network network, the present invention does not make qualification to this.
Fingerprint recognition server 20 is used to the user fingerprints of verifying that the fingerprint fixed network payment terminal reads.Fingerprint recognition server 20 is connected with Unionpay payment platform 50.
Fixed network payment platform 40 comprises: fixed network payment platform network 41, terminal access server 42, encryption equipment 43, bank interface server 44, Service Process Server 45; Terminal access server 42, encryption equipment 43, bank interface server 44, Service Process Server 45 all are connected with fixed network payment platform network 41.
Like Fig. 6, a kind of fingerprint fixed network method of payment based on said system 600 may further comprise the steps:
SB1: the user registers finger print information to appointed bank site or other stipulated places;
SB2: the finger print information of registration and the password of user's bank account are bound, be stored in the fingerprint recognition server;
SB3: the payment transaction that the user need carry out in the selection of fingerprint fixed network payment terminal;
SB4: according to prompting, the user is at fingerprint fixed network payment terminal brush magnetic card;
SB5: according to prompting, the on-the-spot input of user finger print information; The fingerprint reading unit reads the finger print information of the on-the-spot input of user, and is transferred to primary processor to this finger print information;
SB6: primary processor is transferred to the network payment platform after handling above-mentioned fingerprint on site information; The network payment platform is sent to Unionpay's payment platform to the fingerprint on site information of this processing; Unionpay's payment platform is sent to the fingerprint recognition server to this finger print information and verifies;
SB7: if verify successfully, the fingerprint recognition server returns the password of the Bank Account Number of binding with corresponding fingerprint, accomplishes payment work;
SB8: if authentication failed is then returned step SB5.
Compared with prior art, the solid method of payment of a kind of fingerprint net of present embodiment, the finger print identifying server is connected with the Unionpay payment platform.Behind the user card punching,, can directly obtain bank cipher and pay through the on-the-spot input of user fingerprint.Replaced password with fingerprint like this, the hidden danger of having avoided password to forget, leak well.
The preferred embodiment of the present invention just is used for helping to set forth the present invention.Preferred embodiment does not have all details of detailed descriptionthe, does not limit this invention yet and is merely described embodiment.Obviously, according to the content of this instructions, can do a lot of modifications and variation.These embodiment are chosen and specifically described to this instructions, is in order to explain principle of the present invention and practical application better, thereby person skilled can be utilized the present invention well under making.The present invention only receives the restriction of claims and four corner and equivalent.

Claims (8)

1. a fingerprint fixed network payment terminal is characterized in that, comprising: primary processor, ciphering unit, fingerprint reading unit, communication unit; Said ciphering unit, fingerprint reading unit, communication unit are connected with said primary processor respectively; Wherein:
Primary processor through communication unit access fixed network network, receives the instruction of handling host computer and user;
Communication unit is used for said fingerprint fixed network payment terminal access fixed network network;
The fingerprint reading unit is used to read user's fingerprint on site information;
Ciphering unit, be used for IC-card information, card information, finger print information etc. encryption and and host computer between safety communication.
2. a kind of fingerprint fixed network payment terminal according to claim 1 is characterized in that, also comprises IC-card read-write cell, magnetic card read-write cell, shows output unit, keyboard input block, storage unit; Said each unit all is connected with said primary processor; Wherein:
Show output unit, be used for lcd screen and show output information;
The IC-card read-write cell is used for the IC-card Card read/write;
The magnetic card read-write cell is used for the bank magnetic stripe card Card read/write;
The keyboard input block is used for user's command information input.
3. one kind comprises the fingerprint fixed network payment terminal system at terminal according to claim 1; It is characterized in that; Comprise fingerprint fixed network payment terminal, fingerprint recognition server, fixed network network, fixed network payment platform and Unionpay's payment platform; Said fingerprint fixed network payment terminal is connected with said fixed network network, and said fixed network network is connected with said fixed network payment platform; Said fixed network payment platform is connected with said Unionpay payment platform;
Said fingerprint recognition server is used to the user fingerprints of verifying that the fingerprint fixed network payment terminal reads.
4. system according to claim 3 is characterized in that, said fingerprint recognition server is connected with said fixed network payment platform.
5. system according to claim 3 is characterized in that, said fingerprint recognition server is connected with said Unionpay payment platform.
6. system according to claim 4 is characterized in that fixed network payment platform comprises Service Process Server; Said fingerprint recognition server is connected with said Service Process Server.
7. the fingerprint fixed network method of payment based on the described system of claim 4 is characterized in that, may further comprise the steps:
SA1: the user registers finger print information to appointed bank site or other stipulated places;
SA2:, and be stored in the fingerprint recognition server with the related binding of finger print information of registration with user's Bank Account Number;
SA3: according to prompting, the on-the-spot input of user finger print information; The fingerprint reading unit reads the finger print information of the on-the-spot input of user, and gives primary processor this fingerprint on site information transmission;
SA4: primary processor is transferred to fixed network payment platform after handling above-mentioned fingerprint on site information; Fixed network payment platform is sent to the fingerprint recognition server to the fingerprint on site information of this processing and verifies;
SA5: if verify successfully, the fingerprint recognition server returns the bank account information of binding with corresponding finger print information, and through fixed network payment platform, transmits back the fingerprint fixed network payment terminal; After the user confirms said accounts information, continue normal delivery operation;
SA6: if authentication failed is then returned step SA3.
8. the fingerprint fixed network method of payment based on the described system of claim 5 is characterized in that, may further comprise the steps:
SB1: the user registers finger print information to appointed bank site or other stipulated places;
SB2: the finger print information of registration and the password of user's bank account are bound, be stored in the fingerprint recognition server;
SB3: the payment transaction that the user need carry out in the selection of fingerprint fixed network payment terminal;
SB4: according to prompting, the user is at fingerprint fixed network payment terminal brush magnetic card;
SB5: according to prompting, the on-the-spot input of user finger print information; The fingerprint reading unit reads the finger print information of the on-the-spot input of user, and is transferred to primary processor to this finger print information;
SB6: primary processor is transferred to fixed network payment platform after handling above-mentioned fingerprint on site information; Fixed network payment platform is sent to Unionpay's payment platform to the fingerprint on site information of this processing; Unionpay's payment platform is sent to the fingerprint recognition server to this finger print information and verifies;
SB7: if verify successfully, the fingerprint recognition server returns the password of the Bank Account Number of binding with corresponding fingerprint, accomplishes payment work;
SB8: if authentication failed is then returned step SB5.
CN2011103452717A 2011-11-04 2011-11-04 Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal Pending CN102509400A (en)

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Application publication date: 20120620