CN102930436A - Mobile payment method and device - Google Patents
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- CN102930436A CN102930436A CN201210405588XA CN201210405588A CN102930436A CN 102930436 A CN102930436 A CN 102930436A CN 201210405588X A CN201210405588X A CN 201210405588XA CN 201210405588 A CN201210405588 A CN 201210405588A CN 102930436 A CN102930436 A CN 102930436A
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Abstract
The invention provides a mobile payment method and a mobile payment device. The mobile payment method comprises the following steps of: acquiring one or more biological characteristics of a user; comparing the acquired biological characteristics of the user with corresponding records in a biological characteristic database to authenticate the identity of the user; and when the user passes identity authentication, allowing the user to operate the mobile payment system, and when the user does not pass the identity authentication, forbidding a mobile payment function. The biological characteristics of the user are used for safety authentication, so that unauthorized person is effectively prevented from performing payment transaction by utilizing a mobile terminal, and mobile payment safety and reliability are greatly improved.
Description
Technical field
The present invention relates to mobile payment, especially a kind of method of mobile payment and device with user biological feature recognition function.
Background technology
Mobile payment (Mobile Payment) is also referred to as mobile-phone payment usually, refers to allow the mobile subscriber to use its portable terminal (normally mobile phone) that a kind of method of service that account is paid is carried out in commodity or the service of consuming.
The below will briefly introduce mobile payment as an example of mobile phone example.One of ordinary skill in the art will appreciate that to have other portable terminals of respective application, such as notebook, PDA, panel computer, POS machine etc. also can be used for mobile payment.
In mobile payment, be that user mobile phone SIM card and user's bank card account number is set up a kind of one to one relation, the user finishes the transaction payment request by sending the mode of note under the guiding of system's short-message instruction, simple to operate, can conclude the business whenever and wherever possible.The user can also pay by WAP and client dual mode, need not any binding, and the user finishes transaction under the note guiding, only needs to input bank's card number and password and gets final product, Unionpay's clearing.
Mobile payment is convenient, fast, and worldwide development is swift and violent at present, and userbase increases very fast.
In traditional mobile payment, only depend on the password of mobile phone and SIM card to lock to authenticate, there are many potential safety hazards in this mode, more and more can not satisfy people to the requirement of mobile payment security.For example, the password of mobile phone and SIM card lock crack than being easier to comparatively speaking, when the hand-set from stolen time spent, owing to can't carry out more efficiently authentication, might bring very large economic loss to the user.
Therefore, need a kind of safer, reliable mobile payment solution.
Summary of the invention
According to an aspect of the present invention, provide a kind of method of mobile payment, it comprises the steps: to gather user's one or more biological characteristic; The user's that collects one or more biological characteristic and the respective record in the biological attribute data storehouse are compared that the user is carried out authentication; With as user during by authentication, allow the user to operate mobile-payment system, as user during not by authentication, forbid mobile payment function.
Wherein, described user's biological characteristic is user's fingerprint, image surface, palmmprint, sound or person's handwriting.
Wherein, when only selecting a biological character for identity authentication, set predetermined number of comparisons, when through pre-determined number relatively after still can't reach the next user of being judged as of situation of characteristic matching by authenticating.
Wherein, when adopting multinomial biological character for identity authentication, wherein one or more biological characteristic is set to main feature, and the other biological feature is set to supplemental characteristic, when still not mating through the judgement of pre-determined number, main feature directly makes the not judgement by authenticating of user, for supplemental characteristic, arrange and when allowing the user to focus on still not mate through the judgement of pre-determined number another biological characteristic is set and authenticates, if just make the judgement by authentication of user when still not mating.
According to a further aspect in the invention, provide a kind of mobile-payment system, it comprises: the physical characteristics collecting module, for the one or more biological characteristic that gathers the user; The biological attribute data storehouse is used for storing user's one or more biological characteristic; The biological characteristic authentication module, this module authenticates user identity according to the comparative result of the corresponding biological characteristic of storing in the one or more biological characteristic of physical characteristics collecting module collection and the biological attribute data storehouse; With the mobile payment transaction module, operate accordingly according to the authentication result of biological characteristic authentication module.
Wherein, described physical characteristics collecting module, biological attribute data storehouse, biological characteristic authentication module and mobile payment transaction module all are integrated on user's the portable terminal.
Wherein, with cipher mode with the biological attribute data library storage in the storer of described portable terminal, and the access rights of database are carried out authentication management.
Wherein, described physical characteristics collecting module and mobile payment transaction module are arranged on mobile terminal side, and biological attribute data storehouse and biological characteristic authentication module are arranged on server side.
Wherein, the data in the biological attribute data storehouse are committed to server in advance by the user.
Wherein, described portable terminal is mobile phone, notebook, PDA, panel computer, POS machine.
Description of drawings
Fig. 1 is the schematic diagram according to the mobile-payment system of embodiment of the present invention;
Fig. 2 is the process flow diagram according to the method for mobile payment of embodiment of the present invention; With
Fig. 3 is the schematic block diagram of hand call payment system of the present invention.
Embodiment
The below is described in detail the preferred embodiment to the method and apparatus of mobile payment of the present invention with reference to the accompanying drawings; it should be noted that; following description only is schematic; wherein related content does not consist of inventing the restriction of related content; those skilled in the art can also have many different variation patterns on the basis of disclosure below, and these all belong to protection scope of the present invention.
Consider the security hidden danger that exists in the existing mobile payment technology, embodiments of the present invention provide a kind of method of mobile payment and device with user biological feature recognition function.Biological characteristic is that each individuality has unique physiological property or the behavior that can measure or can automatically identify and verify.Biological characteristic can be divided into physiological characteristic and and behavioural characteristic.Physiological characteristic is such as comprising such as fingerprint, image surface, iris, palmmprint etc.Behavioural characteristic is such as comprising gait, sound, person's handwriting etc.
According to the embodiment of the present invention, identification is used for mobile payment user's personal identification with physiological characteristic with behavioural characteristic, thereby improves the security of mobile payment.
Fig. 1 is the schematic diagram of mobile-payment system of the present invention.As shown in Figure 1, mobile-payment system comprises: physical characteristics collecting module 101, for the one or more biological characteristic that gathers the user; Biological attribute data storehouse 102 is used for storing user's one or more biological characteristic; The comparative result of the corresponding biological characteristic of storing in the one or more biological characteristic that biological characteristic authentication module 103, this module gather according to physical characteristics collecting module 101 and the biological attribute data storehouse 103 authenticates user identity; With mobile payment transaction module 104, operate accordingly according to the authentication result of biological characteristic authentication module 103.
Fig. 2 is the process flow diagram of method of mobile payment of the present invention.As shown in Figure 2, the method for mobile payment comprises the steps:
Step S201, collection user's one or more biological characteristic.As indicated above, user's biological characteristic can comprise its physiological characteristic and and behavioural characteristic.Consider the feasibility of enforcement, can select the behavioural characteristics such as the physiological characteristics such as fingerprint, image surface, palmmprint and sound, person's handwriting, multinomial feature can be combined with.
Step S202 compares that with the user's that collects one or more biological characteristic and the respective record in the biological attribute data storehouse user is carried out authentication.One with ordinary skill in the art would appreciate that in the process of carrying out authentication and can use known identifying algorithm.For example, in the situation that only adopt a biological characteristic to authenticate, can set predetermined number of comparisons, when through pre-determined number relatively after still can't reach characteristic matching the next user of being judged as of situation by authenticating.In the situation that adopt multinomial biological characteristic to authenticate, wherein one or more biological characteristic is set to main feature, and the other biological feature is set to supplemental characteristic.When still not mating through the judgement of pre-determined number, main feature directly makes the not judgement by authenticating of user.For supplemental characteristic, can arrange and when allowing the user to focus on still not mate through the judgement of pre-determined number another biological characteristic is set and authenticates, if just make the judgement by authentication of user when still not mating.Above-mentioned identifying algorithm can arrange according to real needs, repeats no more herein.
When the user is by authentication in step S202, carry out step S203, allow the user to operate mobile-payment system.One of ordinary skill in the art will appreciate that, according to the setting of mobile-payment system, before this this step, can also carry out to the user authentication of other modes, for example authentication of the desired username and password mode of banking system.
As user in step S202 during not by authentication, carry out step S204, the payment function of forbidding portable terminal.
Mobile-payment system and method according to embodiment of the present invention can realize at mobile terminal side, also can jointly realize at mobile terminal side and bank server side.
In the situation that the mobile terminal side realization, above-mentioned physical characteristics collecting module 101, biological attribute data storehouse 102, biological characteristic authentication module 103 and mobile payment transaction module 104 can be integrated on user's the portable terminal.Biological characteristic this locality of user is stored in the storer of portable terminal, and carries out biological characteristic authentication by the processor of portable terminal.In this case, suggestion is stored biological attribute data with cipher mode, and the access rights of database are carried out authentication management.
Realize in the situation that mobile terminal side and bank server side are common, above-mentioned physical characteristics collecting module 101 and mobile payment transaction module 104 can be arranged on mobile terminal side, and biological attribute data storehouse 102, biological characteristic authentication module 103 are carried out by server side.In this case, the user need to be committed to server side with secured fashion in advance with its biological characteristic, and by the memory stores user's of server side biological characteristic, and server is carried out biological characteristic authentication.Be appreciated that in this kind situation, portable terminal and server will have corresponding communication module to authenticate required data communication.
Instantiation below in conjunction with a mobile-phone payment comes further embodiments of the present invention to be described.
Fig. 3 is the schematic block diagram of hand call payment system of the present invention.As shown in Figure 3, mobile phone 301 comprises a scanner 3011, the one or more biological characteristic that is used for the input user, for example can be fingerprint and two biological characteristics of user's signature of certain finger of user, and scan-data is sent to the communication module 3021 of server 302 by communication module 3012.Server 302 receives the biological attribute data that mobile phone 301 sends by communication module 3021, and is sent to certified processor 3022.Certified processor 3022 compares to carry out the user with relative users biological characteristic pre-stored in the biological attribute data received and the database 3023 and authenticates.
In the verification process, can be set to main feature by fingerprint, user's signature is set to supplemental characteristic.For fingerprint characteristic, when user's first input results does not mate, can allow the user again to input and judge.If twice judgement all do not mated, then certified processor 3022 is made the not conclusion by authenticating of user.For signature character, the permission user also can be set carry out twice input.If twice judgement all do not mated, can give chance of user and select an other biological characteristic to authenticate.For example the user can select the fingerprint of another one finger or image surface (in such cases, mobile phone 301 need to be equipped with camera head and corresponding code device) or sound characteristic (in such cases, mobile phone 301 need to be equipped with voice collection device and corresponding code device) authenticate.If Speech input still can not with database 3023 in corresponding biological characteristic be complementary, certified processor 3022 will make the user by the authentication conclusion.
By by communication module 3021 and 3012 information interaction, the authentication result of certified processor 3022 is sent to mobile phone 301.If the user has passed through authentication, then can pay by the transaction software of installing on the mobile phone 301.If by authentication, then can not carry out mobile payment, even server 302 can not be set in the again transaction authentication request that does not receive mobile phone 301 in the special time period.
In sum, utilize user's biological characteristic to carry out safety certification according to the mobile-payment system of embodiment of the present invention, effectively avoided the unauthorized personnel to utilizing portable terminal to carry out payment transaction, thereby mentioned widely the safe reliability of mobile payment.
Claims (10)
1. a method of mobile payment is characterized in that, comprises the steps:
Gather user's one or more biological characteristic (S201);
The user's that collects one or more biological characteristic and the respective record in the biological attribute data storehouse are compared the user to be carried out authentication (S202); With
As user during by authentication, allow the user to operate mobile-payment system (S203), as user during not by authentication, forbid mobile payment function (S204).
2. method of mobile payment as claimed in claim 1, wherein, described user's biological characteristic is user's fingerprint, image surface, palmmprint, sound or person's handwriting.
3. method of mobile payment as claimed in claim 1 or 2, wherein, when only selecting a biological character for identity authentication, set predetermined number of comparisons, when through pre-determined number relatively after still can't reach the next user of being judged as of situation of characteristic matching by authenticating.
4. method of mobile payment as claimed in claim 1 or 2, wherein, when adopting multinomial biological character for identity authentication, wherein one or more biological characteristic is set to main feature, and the other biological feature is set to supplemental characteristic, when still not mating through the judgement of pre-determined number, main feature directly makes the not judgement by authenticating of user, for supplemental characteristic, arrange and when allowing the user to focus on still not mate through the judgement of pre-determined number another biological characteristic is set and authenticates, if just make the judgement by authentication of user when still not mating.
5. a mobile-payment system is characterized in that, comprising:
Physical characteristics collecting module (101) is for the one or more biological characteristic that gathers the user;
Biological attribute data storehouse (102) is used for storing user's one or more biological characteristic;
Biological characteristic authentication module (103), this module authenticates user identity according to the one or more biological characteristic of physical characteristics collecting module (101) collection and the comparative result of biological attribute data storehouse (103) middle corresponding biological characteristic of storing; With
Mobile payment transaction module (104) operates accordingly according to the authentication result of biological characteristic authentication module (103).
6. mobile-payment system as claimed in claim 5, wherein, described physical characteristics collecting module (101), biological attribute data storehouse (102), biological characteristic authentication module (103) and mobile payment transaction module (104) all are integrated on user's the portable terminal.
7. mobile-payment system as claimed in claim 6 wherein, is stored in biological attribute data storehouse (102) in the storer of described portable terminal with cipher mode, and the access rights of database (102) is carried out authentication management.
8. mobile-payment system as claimed in claim 5, wherein, described physical characteristics collecting module (101) and mobile payment transaction module (104) are arranged on mobile terminal side, and biological attribute data storehouse (102) and biological characteristic authentication module (103) are arranged on server side.
9. mobile-payment system as claimed in claim 8, wherein, the data in biological attribute data storehouse (102) are committed to server in advance by the user.
10. mobile-payment system as claimed in claim 8, wherein, described portable terminal is mobile phone, notebook, PDA, panel computer, POS machine.
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| CN201210405588XA CN102930436A (en) | 2012-10-23 | 2012-10-23 | Mobile payment method and device |
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