CN102542439A - Payment system and payment method thereof - Google Patents
Payment system and payment method thereof Download PDFInfo
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- CN102542439A CN102542439A CN2010105858487A CN201010585848A CN102542439A CN 102542439 A CN102542439 A CN 102542439A CN 2010105858487 A CN2010105858487 A CN 2010105858487A CN 201010585848 A CN201010585848 A CN 201010585848A CN 102542439 A CN102542439 A CN 102542439A
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Abstract
A payment system comprises user terminals, an information transmission system, a fingerprint input system, a finance system and a fingerprint database. The user terminals and the information transmission system are respectively communicated with the finance system in a wired or wireless manner, the fingerprint input system is communicated with the fingerprint database in a wired or wireless manner, each user terminal consists of a finance service terminal and a mobile communication terminal which are jointly arranged in mobile communication equipment, the finance service terminals are used for recording personal finance information of users, the mobile communication terminals are used for recording personal communication information of the users, the personal communication information, the corresponding personal finance information and/or fingerprint information are bound, when one of the finance service terminals is successfully communicated with the finance system and transaction payment is completed, the finance system feeds transaction completion information back to the corresponding mobile communication terminal. The invention further provides a payment method. The payment system and the payment method not only are convenient in use, but also are high in transaction security, and the problem that expense cards are stolen for transaction is stopped fundamentally.
Description
Technical field
The present invention relates to payment system and method for payment thereof, refer to especially a kind of both easy-to-use, have again the height transaction security payment system and method for payment thereof.
Background technology
At present, though the use of bank card has brought a lot of conveniences and agility for consumer's live and work; But; Along with popularizing of bank card, also rising year by year to the high-tech crime case of bank card, because the personally identifiable information that relates in most of bank card is limited; The offender has often utilized this defective; Steal or crack consumer's card number and password through various means,, brought considerable damage for the consumer who is injured to reach the purpose of usurping consumption, malicious overdraft cash.
Therefore, provide a kind of both easy-to-use, the payment system and the method for payment thereof that have the height transaction security again are necessity to address the above problem real.
Summary of the invention
The objective of the invention is to, provide a kind of both easy-to-use, have the payment system and the method for payment thereof of height transaction security again.
In order to realize the foregoing invention purpose; In one embodiment of the invention; A kind of payment system is provided; It comprises: user terminal, the information transfer system, fingerprint input system, financial sector and fingerprint database, and user terminal, the information transfer system link through wireless or wired mode with financial sector respectively, and fingerprint input system and fingerprint database also link through wireless or wired mode; Wherein, Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user, and person-to-person communication information is bound with corresponding personal financial information and/or finger print information, when financial service terminal and financial sector success UNICOM; And when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
In the present invention, the said information transfer system can be installed on the bank card POS or be furnished with in the cash register terminal of the POS.Said financial service terminal can be bank card or has the IC-card of bank card functionality.Said communication terminal can be the mobile phone card.Said personal financial information comprises subscriber identity information, account, enciphered message and Transaction Information, and said person-to-person communication information comprises mobile phone card number and log.
The invention provides another kind of method of payment, it may further comprise the steps:
Step 1) is carried out initialization setting and common the binding to user's person-to-person communication information, personal financial information and finger print information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out fingerprint authentication:
(1) when fingerprint authentication passed through, financial sector was sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplished the transaction payment task;
(2) when fingerprint authentication obstructed out-of-date, end the payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
In an embodiment of the present invention, in the step 3), further comprise the password authentification step: with the judgement of comparing of the encrypted message of encrypted message and the initial setting up of input,
(1) when password authentification and fingerprint authentication all through the time, financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
(2) when password authentification or fingerprint authentication obstructed out-of-date, end the payment task.
In step 4), financial sector will be concluded the business through wireless communication networks and accomplished information feedback to communication terminal.
Compared with prior art, payment system of the present invention and method of payment thereof can be widely used in the various financial transactions, improve the security of various transaction through fingerprint authentication, have following outstanding advantage:
1) convenience: the consumer can not carry consumption card in addition or any proof of identification can be accomplished financial transaction, has realized " no card spending ";
2) tight security: adopt fingerprint as encrypted credentials; The security and the precision of authentication have been improved; Even if password also can be avoided usurping under situation about being stolen; Fundamentally stop to usurp the phenomenon of consumption card transaction, thereby improved E-Security property and confidentiality significantly;
3) broad applicability: all have and the identification characteristics of identity that can unique definite people because fingerprint is for everybody; Have uniqueness, unchangeability, can not cracking, characteristic such as not repeated, non-reproduction; Thereby; Dry and cracked except part and the fingerprint that is difficult to extract, can be adaptable across most people;
4) personal financial information such as fingerprint and personal information, password, phone number and person-to-person communication associating information are provided with; On the one hand; Through the unique definite user's of multiple information identity, ensured the reliability and the credit rating of transaction, and; When the user loses consumption card, also can obtain again through various related data; On the other hand; Personal financial information and person-to-person communication information are associated; Make the information of transaction immediately to feed back on user's the communication apparatus through short message or other communication modes; Immediately obtaining transaction record, monitor the behaviour in service of bank card constantly, also is the effective means that ensures transaction security.
Embodiment
In the preferred embodiments of the present invention, another kind of payment system is provided, it comprises:
User terminal, the information transfer system, fingerprint input system, financial sector and fingerprint database; User terminal, the information transfer system link through wireless or wired mode with financial sector respectively; Fingerprint input system and fingerprint database also link through wireless or wired mode; Wherein, Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user, and person-to-person communication information is bound with corresponding personal financial information and/or finger print information, when financial service terminal and financial sector success UNICOM; And when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
In the present embodiment; Said fingerprint input system is installed in the finger print input device; It comprises control circuit and the fingerprint read module and the fingerprint transport module that electrically connect with it respectively; Wherein, the fingerprint read module is used to scan typing fingerprint pattern information, and the fingerprint transport module is used for the fingerprint pattern information of obtaining is sent to fingerprint database through wired or wireless mode.Said fingerprint input system can be installed on the same bank card POS jointly with the information transfer system or be furnished with in the cash register terminal of the POS, makes it both can read and transmit personal financial information, can read and transmit the finger print information that is scanned again.
Said fingerprint database is used to store user's finger print information, and wherein, each finger print information is related with corresponding user's person-to-person communication information, personal financial information respectively, corresponding coupling.Said fingerprint database comprises the fingerprint characteristic extraction module of mutual electric connection; Fingerprint characteristic identification module and database; The fingerprint characteristic extraction module receives the finger print information that the fingerprint transport module of fingerprint input system transmits through wired or wireless mode, and extracts the proper vector that characterizes the fingerprint characteristic through feature extraction algorithm; In the fingerprint characteristic identification module; Said proper vector is inserted in recognizer in database of fingerprint, searches for the identical with it proper vector of searching; Through contrast, judge thus whether finger print information to be verified is the finger print information that is complementary with the individual subscriber Financial Information.
The present invention also provides a kind of method of payment, and it may further comprise the steps:
Step 1) is carried out initialization setting and common the binding to user's person-to-person communication information, personal financial information and finger print information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out fingerprint authentication:
(1) when fingerprint authentication passes through, i.e. when the finger print information of institute's typing was consistent with initial fingerprint information, financial sector was sent payment instruction, took off the dealing money of corresponding financial service terminal, accomplished the transaction payment task;
(2) when fingerprint authentication obstructed out-of-date, end the payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
Below be example with the bank paying service, specify method of payment of the present invention.
Wherein, in step 1), further may further comprise the steps:
Step 11) user is provided with initial personal financial information in the financial sector of bank, comprise user's identity information, account and enciphered message etc., chooses a certain phone number as person-to-person communication information;
Step 12) is provided with initial fingerprint information: at first, read fingerprint through the fingerprint read module scanning of finger print input device; Then, the fingerprint pattern that reads is sent to fingerprint database through wired or wireless mode, is made as initial fingerprint information through the fingerprint transport module;
Step 13) is bound person-to-person communication information, personal financial information and the finger print information of initial setting up jointly, to confirm user's identity uniquely.
In step 2) in, further may further comprise the steps:
Step 21) when the payment behavior takes place, with the dealing money input information transmission system such as the bank card POS or the cash register terminal of being furnished with the POS;
Step 22) with built-in bank card in the information transfer system scanning mobile communication equipment, imports bank's card number information, be sent to financial sector;
In step 3), further may further comprise the steps:
Step 31) gather fingerprint: through the fingerprint read module scanning typing fingerprint of finger print input device, the fingerprint transport module is sent to fingerprint database with the fingerprint pattern information of institute's typing and verifies;
Step 32) fingerprint characteristic extracts and comparison: adopt the characteristic alignment algorithm that finger print information and the initial fingerprint information of institute's typing are compared, be judged to be same finger and the finger print characteristic is consistent, then fingerprint authentication passes through, otherwise, then through verifying;
Step 32) when fingerprint authentication passed through, financial sector was sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplished the transaction payment task; When fingerprint authentication is obstructed out-of-date, end the payment task.
In step 4), financial sector feeds back to communication terminal through the wireless communication networks mode of completion information through short message of will concluding the business, promptly on corresponding consumer's the mobile phone.
In an embodiment of the present invention, in step 3), further may further comprise the steps:
Step 31) carry out password authentification: the password input system input encrypted message through the information transfer system, be sent to financial sector, the encrypted message of encrypted message of being imported and initial setting up is compared; Consistent; Then password authentification is passed through, and is not consistent, and then password authentification is not passed through;
Step 32) carries out fingerprint authentication: through the fingerprint read module scanning typing fingerprint of finger print input device; The fingerprint transport module is sent to fingerprint database with the fingerprint pattern information of institute's typing and verifies; Adopt the characteristic alignment algorithm that the finger print information and the initial fingerprint information of institute's typing are compared, be judged to be same finger and the finger print characteristic is consistent, then fingerprint authentication passes through; Otherwise, then not through checking;
Step 33) when password and fingerprint authentication all through the time, financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task; When password authentification or fingerprint authentication are obstructed out-of-date, end the payment task.
Adopt method of payment of the present invention, have following some advantage:
1) convenience: the consumer can not carry consumption card in addition or any proof of identification can be accomplished financial transaction, has realized " no card spending ";
2) tight security: adopt identify label-fingerprint as encrypted credentials with uniqueness and unchangeability; The security and the precision of authentication have been improved; Even if password also can be avoided usurping under situation about being stolen; Fundamentally stop to usurp the phenomenon of consumption card transaction, thereby improved E-Security property and confidentiality significantly;
3) personal financial information such as fingerprint and personal information, password, phone number and person-to-person communication associating information are provided with; On the one hand; Through the unique definite user's of multiple information identity, ensured the reliability and the credit rating of transaction, and; When the user loses consumption card, also can obtain again through various related data; On the other hand; Personal financial information and person-to-person communication information are associated; Make the information of transaction immediately to feed back on user's the communication apparatus through short message or other communication modes; Immediately obtaining transaction record, monitor the behaviour in service of bank card constantly, also is the effective means that ensures transaction security.
Claims (7)
1. payment system; It is characterized in that comprising: user terminal, the information transfer system, fingerprint input system, financial sector and fingerprint database; Wherein, user terminal, the information transfer system link through wireless or wired mode with financial sector respectively, and fingerprint input system and fingerprint database also link through wireless or wired mode; Wherein, Said user terminal comprises financial service terminal that is placed in the personal financial information that is used for recording user in the mobile communication equipment jointly and the communication terminal that is used for the person-to-person communication information of recording user, and person-to-person communication information is bound with corresponding personal financial information and/or finger print information, when financial service terminal and financial sector success UNICOM; And when accomplishing transaction payment, financial sector will conclude the business the completion information feedback to communication terminal.
2. payment system as claimed in claim 1 is characterized in that: the said information transfer system is installed on the bank card POS or is furnished with in the cash register terminal of the POS.
3. payment system as claimed in claim 1 is characterized in that: said financial service terminal is bank card or IC-card with bank card functionality, and said communication terminal is the mobile phone card.
4. payment system as claimed in claim 1 is characterized in that: said personal financial information comprises subscriber identity information, account, enciphered message and Transaction Information, and said person-to-person communication information comprises mobile phone card number and log.
5. method of payment is characterized in that may further comprise the steps:
Step 1) is carried out initialization setting and common the binding to user's person-to-person communication information, personal financial information and finger print information;
Step 2) Transaction Information and the personal financial information that is built in the financial service terminal in the mobile communication equipment are sent to financial sector through the information transfer system;
Step 3) is carried out fingerprint authentication:
(1) when fingerprint authentication passed through, financial sector was sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplished the transaction payment task;
(2) when fingerprint authentication obstructed out-of-date, end the payment task;
The step 4) financial sector will be concluded the business and accomplished information feedback to communication terminal.
6. method of payment as claimed in claim 5 is characterized in that:
In step 3), further comprise the password authentification step: with the judgement of comparing of the encrypted message of encrypted message and the initial setting up of input,
(1) when password authentification and fingerprint authentication all through the time, financial sector is sent payment instruction, takes off the dealing money of corresponding financial service terminal, accomplishes the transaction payment task;
(2) when password authentification or fingerprint authentication obstructed out-of-date, end the payment task.
7. method of payment as claimed in claim 5 is characterized in that:
In step 4), financial sector will be concluded the business through wireless communication networks and accomplished information feedback to communication terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105858487A CN102542439A (en) | 2010-12-14 | 2010-12-14 | Payment system and payment method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105858487A CN102542439A (en) | 2010-12-14 | 2010-12-14 | Payment system and payment method thereof |
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| Publication Number | Publication Date |
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| CN102542439A true CN102542439A (en) | 2012-07-04 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2010105858487A Pending CN102542439A (en) | 2010-12-14 | 2010-12-14 | Payment system and payment method thereof |
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Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102760262A (en) * | 2012-08-06 | 2012-10-31 | 北京中科金财电子商务有限公司 | System and method based on biometrics identification payment risks |
| 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 |
| CN104484804A (en) * | 2014-12-24 | 2015-04-01 | 福建联迪商用设备有限公司 | Secure fingerprint transaction paying method and system |
| WO2015058529A1 (en) * | 2013-10-25 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | A fingerprint payment method and related device and system |
| CN104599130A (en) * | 2013-12-23 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Payment verification method, device and system |
| CN104657858A (en) * | 2013-11-20 | 2015-05-27 | 中国移动通信集团广东有限公司 | Electronic wallet identity authentication method and device as well as mobile terminal |
| CN105095944A (en) * | 2015-08-26 | 2015-11-25 | 广西小草信息产业有限责任公司 | Anti-theft bank card and ATM bank card swiping anti-theft method |
| CN105260889A (en) * | 2015-08-26 | 2016-01-20 | 张会珍 | Authentication payment system |
| CN106056386A (en) * | 2016-07-25 | 2016-10-26 | 重庆馥莉信息科技有限公司 | Payment method, payment terminal, server and payment system |
| CN106157014A (en) * | 2015-08-27 | 2016-11-23 | 刘晓明 | A kind of novel auth method |
-
2010
- 2010-12-14 CN CN2010105858487A patent/CN102542439A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102760262A (en) * | 2012-08-06 | 2012-10-31 | 北京中科金财电子商务有限公司 | System and method based on biometrics identification payment risks |
| 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 |
| WO2015058529A1 (en) * | 2013-10-25 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | A fingerprint payment method and related device and system |
| CN104657858A (en) * | 2013-11-20 | 2015-05-27 | 中国移动通信集团广东有限公司 | Electronic wallet identity authentication method and device as well as mobile terminal |
| CN104599130A (en) * | 2013-12-23 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Payment verification method, device and system |
| CN104484804A (en) * | 2014-12-24 | 2015-04-01 | 福建联迪商用设备有限公司 | Secure fingerprint transaction paying method and system |
| CN105095944A (en) * | 2015-08-26 | 2015-11-25 | 广西小草信息产业有限责任公司 | Anti-theft bank card and ATM bank card swiping anti-theft method |
| CN105260889A (en) * | 2015-08-26 | 2016-01-20 | 张会珍 | Authentication payment system |
| CN106157014A (en) * | 2015-08-27 | 2016-11-23 | 刘晓明 | A kind of novel auth method |
| CN106056386A (en) * | 2016-07-25 | 2016-10-26 | 重庆馥莉信息科技有限公司 | Payment method, payment terminal, server and payment system |
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Application publication date: 20120704 |