CN103473673A - Card-free payment system - Google Patents
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- CN103473673A CN103473673A CN2012101945818A CN201210194581A CN103473673A CN 103473673 A CN103473673 A CN 103473673A CN 2012101945818 A CN2012101945818 A CN 2012101945818A CN 201210194581 A CN201210194581 A CN 201210194581A CN 103473673 A CN103473673 A CN 103473673A
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D30/00—Reducing energy consumption in communication networks
- Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks
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Abstract
A card-free payment system adopts the fingerprint shape hybrid identification technology to identify the identity of an individual, and is combined with the mobile phone number detection technology to realize card-free payment. The operation of the card-free payment system is realized through links of opening an account, replacing fingerprint shape information, replacing a mobile phone number, cash-charging at an outlet self-service terminal, transfer-charging at an outlet self-service terminal, cash-charging at a shop counter, consuming, and closing an account. The card-free payment method saves complicated conventional procedures such as card issuance, card wiping, password inputting, provides a convenient and safe consumption environment for consumers, and at the same time, saves the raw material consumption caused by a large amount of card issuance, making a great contribution to energy saving and environmental protection.
Description
1, technical field:
Electronic Finance payment technical field: use biological identification technology and mobile phone technique to realize consumption and payment.
2, technical background
The technical development process paid is: pay in cash; Magnetic card pays; IC-card pays; Mobile-phone payment; Without card, pay.
The universal process of magnetic card payment technology is carried out more smoothly, because adopted this modes of payments, the user has just exempted the worry with cash, as long as being with magnetic card just can swipe the card and be consumed, met the user's request of convenience, simultaneously also safer than paying in cash, even because the magnetic card loss, as long as password is not revealed, can not cause damage yet.
The universal process of IC-card payment technology is carried out quite difficultly, and substituting IC-card with magnetic card is mainly in order to improve security, still, because magnetic card is quite universal, and IC-card prices are rather stiff, probably 30 yuan of left and right, and the cost of magnetic card ability 1 mao, under such price, want to popularize, substitute magnetic card with IC-card, will pay more a large number of expense, and also need a large number of expense because the magnetic card terminal changes the IC-card terminal into, so, bank itself just can't accept.
The universal process of Mobile-Payment Technology is just made a show, and external or domestic all do not have to popularize; The application of mobile phone has been very universal now, is almost one one of staff, allows the people naturally associate with mobile phone and to be paid, but contemplate mobile-phone payment, also has profound problem:
1, the business boundary of banking and telecom operators is unclear, if SIM cards of mobile phones is to be sent out by bank, there is the suspicion of the telecommunication service of setting foot in bank; If expense is collected by the mobile phone bill, from user's mobile phone charge, directly deduct, in this collection charges mode, there is the suspicion of the business of setting foot in financial circles in telecom operators.
2, no matter mobile-phone payment is to user or bank, and what at first need consideration ensures its security by various technological means exactly, there is no this basic premise, and the prospect of mobile-phone payment just allows of no optimist.For now, there are two obvious drawbacks in the mobile-phone payment mode: the one, and most of mobile phones are subject to the restriction of SIM card capacity, and the information sent is all plain code, causes the security of mobile-phone payment lower; The 2nd, poor by the instantaneity of payment by using short messages mode, can cause unavoidably the stagnation of cash flow and logistics.
Without card, paying is to adopt fingerprint shape to mix recognition technology, merges the mobile phone location detection technique, realizes a kind of technology paid.Exempted traditional hair fastener and swiped the card, input the complicated procedures such as password without the card modes of payments, provide the consumer with convenient and safe consumer environment, the raw materials consumption brought because having exempted a large amount of hair fasteners, be one to contribute greatly to energy-conserving and environment-protective simultaneously.
The modes of payments that pays this zero cost without card has huge market potential, especially at current national, encourages private fund to enter under the situation of banking industry, just urgently a kind of modes of payments of innovation will be arranged, and without card, paying is exactly a kind of innovation of the modes of payments.
3, summary of the invention
(1), without the card paying system setting, by open an account terminal, site of head office's server, city's row server, site, supplement Possum, trade company's charging terminal, fingerprint shape machine, phone area with money and detect server and form.
(2), the confirmation of user identity:
Adopt fingerprint shape to mix recognition technology, both identified user's fingerprint, also identify user's finger-type, greatly strengthened the applicability of identification and to the adaptability of environment.
After the user inputs fingerprint shape information on fingerprint shape machine, this information just is sent to phone area and detects server, phone area detects server from the user fingerprints shape information of all cell-phone numbers of entering this market, mix recognizer by fingerprint shape and identify this user, and this result is returned to fingerprint shape machine.
If the user is not with mobile phone, after user's input handset number, cell-phone number is sent to phone area and detects server, as there has been this user's information in server, just require fingerprint shape machine to transmit the current fingerprint shape information of this user, after phone area detection server is received this information, and already present fingerprint shape information is compared, then, comparison result is returned to fingerprint shape machine; As the information ，Jiu Cong city row server that does not have this user in server goes to download this user's information; As city's row server also this user's information not, city's row server is just first downloaded this user's information from head office's server, then, this information is returned to phone area and detect server, phone area detects server and requires fingerprint shape machine to transmit the current fingerprint shape information of this user again, and after phone area detection server is received this information, and already present fingerprint shape information is compared, then, comparison result is returned to fingerprint shape machine.
(3), open an account:
Need submit personal identity card, my cell-phone number, my fingerprint shape information of a finger when user opens an account to, bank is No. ID account number as bank of personal identity card, unique without the card payment account to guarantee that everyone only has in all banks.
The flow process of opening an account is as follows: (1), user are to the site cabinet face of bank; (2), the user shows I.D.; (3), user's cell-phone number is provided; (4), the fingerprint shape information of a finger of input on fingerprint shape machine; (5), bank outlets are sent to city's row server to data, city's row server sends to head office's server by data, head office's server return message is to city's row server, city's row server return message is to the site terminal, transaction completes.
(4), the flow process of replacing fingerprint shape information is as follows:
(1), the user is to the site cabinet face of bank; (2), the user shows I.D.; (3), user's cell-phone number is provided; (4), the fingerprint shape information of a finger of input on fingerprint shape machine; (5), bank outlets are sent to city's row server to data, city's row server sends to head office's server by data, head office's server return message is to city's row server, city's row server return message is to the site terminal, transaction completes.
(5), replacing cell-phone number flow process is as follows:
(1), the user is to the self-aided terminal of the site of bank; (2), input old cell-phone number; (3), input new hand plane No.; (4), the fingerprint shape information of the logged finger of input on fingerprint shape machine; (5), bank outlets are sent to city's row server to data, city's row server sends to head office's server by data, head office's server return message is to city's row server, city's row server return message is to the site terminal, transaction completes.
(6), site self-aided terminal recharging by cash flow process is as follows:
(1), the user is to the site self-aided terminal of bank; (2), input user's cell-phone number; (3), confirm that the information shown is correct; (4) amount of money that, input is supplemented with money; (5), cash is put into to the mouth of collecting money, the self-aided terminal gathering is errorless; (6) bank outlets are sent to city's row server to data, and city's row server sends to head office's server by data, and head office's server return message is to city's row server, and city's row server return message is to the site terminal, and transaction completes.
(7), the self-aided terminal recharge procedure of transferring accounts in site is as follows:
(1), the user is to the site self-aided terminal of bank; (2), input user's cell-phone number; (3), confirm that the information shown is correct; (4) amount of money that, input is transferred accounts and supplemented with money; (5), the credit or debit card that produces of brush, input the password of this card; (6) bank outlets are sent to the Unionpay center to data and are withholdd; (7) withhold successfully, bank outlets are sent to city's row server to data, and city's row server sends to head office's server by data, and head office's server return message is to city's row server, and city's row server return message is to the site terminal, and transaction completes.
(8), trade company's cabinet face recharging by cash flow process is as follows:
(1), the user to the cabinet face of trade company, cash is submitted to the cashier in market, cashier's counting is errorless; (2), input user's cell-phone number; (3), confirm that the information shown is correct; (4) amount of money that, input is supplemented with money; (5), the trade company site is sent to city's row server to data, city's row server sends to head office's server by data, head office's server return message is to city's row server, city's row server return message is to trade company's cabinet face terminal, transaction completes.
(9) when, the user is with mobile phone, the consumption flow process is as follows:
(1), the user arrives shop, restaurant's purchase and consumption; (2), the logged fingerprint shape information of input on fingerprint shape machine; (3), confirm that the information and the consumption amount of money that show are correct; (4), merchant equipment is sent to city's row server to data, city's row server sends to head office's server by data, head office's server return message is to city's row server, city's row server return message is to merchant equipment, transaction completes.
(10) when, the user is not with mobile phone, the consumption flow process is not as follows:
(1), the user arrives shop, restaurant's purchase and consumption; (2), input user's cell-phone number on fingerprint shape machine; (3), the logged fingerprint shape information of input on fingerprint shape machine; (4), confirm that the information and the consumption amount of money that show are correct; (5) merchant equipment is sent to city's row server to data, and city's row server sends to head office's server by data, and head office's server return message is to city's row server, and city's row server return message is to merchant equipment, and transaction completes.
The flow process of (11), cancellation is as follows:
If the user, without on the card disbursement account, going back surplus, should consume it.When account balance is zero or while approaching zero, just can arrive other bank and again open an account, after again opening an account successfully, client's old account is with regard to natural cancellation.
(12), phone area detect server:
Detecting server at phone area is in order to when user's carrying mobile phone enters market, captures this cell-phone number, and whether the fingerprint shape information of simultaneously inquiring about this user exists, and if there is not ，Jiu Cong city row server, goes to download this user's information; As city's row server also this user's information not, city's row server is just first downloaded this user's information from head office's server, then, this information is returned to phone area and detect server.
The consistance of (13), information:
Detect server repository and user fingerprints shape information at head office's server, city's row server, trade company's end phone area, this system adopts the mode of check code coupling, realizes the verification of consistency on messaging.
User profile forms:
The fingerprint shape information of the cell-phone number information of the information of the name of total information (484 byte)=20 byte identity card number+20 bytes+20 bytes+20 bytes+400 bytes+4 byte verifications (CHK).
The amount information of the cell-phone number information of the Transaction Information sent on fingerprint shape machine=5 byte information heads+20 bytes+10 bytes+4 byte verifications (CHK)+Information integrity checkout byte.
After city's row server is received this information, at first whether verification 4 byte verifications (CHK) conform to 4 byte verifications (CHK) of up-to-date this user profile, just return to Transaction Success information as conformed to, as be not inconsistent the code that return message is not inconsistent, after fingerprint shape machine is received this code, should notify phone area to detect server and download this user's up-to-date information.
4, accompanying drawing explanation
Fig. 1 is the schematic diagram without card paying system, as Fig. 1, following part, consists of: 1. head office's server; 2. bank outlets' terminal of opening an account; 3. city's row server; 4. phone area detects server; 5. fingerprint shape machine; 6. trade company's charging terminal.
5, embodiment
(1), select a city, installation Yi Tai city row server;
(2), select a bank as pilot bank, in this bank, bank outlets' terminal of opening an account is set;
(3), select ，Gai market, some markets lining to put trade company's charging terminal and fingerprint shape machine.
(4), in restriction, open an account number under the prerequisite of 10000, carry out pilot phone area is not installed is detected ，Gai city under the condition of server.
(5), under the prerequisite of achieving success in pilot, more unrestrictedly increase the number of opening an account, increase trade company's number, phone area is installed in market and is detected server.
(6) if achieve success in a city, head office's server just is installed, then, by a city, is progressively expanded to a plurality of cities.
Claims (5)
1. adopt fingerprint shape to mix recognition technology, both identified user's fingerprint, also identify user's finger-type, greatly strengthened the applicability of identification and to the adaptability of environment.After the user inputs fingerprint shape information on fingerprint shape machine, this information just is sent to phone area and detects server, phone area detects server from the user fingerprints shape information of all cell-phone numbers of entering this market, mix recognizer by fingerprint shape and identify this user, and this result is returned to fingerprint shape machine.
2. need submit personal identity card, my cell-phone number, my fingerprint shape information of a finger when user opens an account to, bank is No. ID account number as bank of personal identity card, unique without the card payment account to guarantee that everyone only has in all banks.
3. during customer consumption, if be with mobile phone, just as long as input fingerprint shape information just can realize consuming; If be not with mobile phone, with regard to first input handset number, then input fingerprint shape information and just can realize consumption.
4. during cancellation, if the user should consume it without on the card disbursement account, going back surplus.When account balance is zero or while approaching zero, just can arrive other bank and again open an account, after again opening an account successfully, client's old account is with regard to natural cancellation.
5. the consistance of information: detect server repository and user fingerprints shape information at head office's server, city's row server, trade company's end phone area, this system adopts the mode of check code coupling, realizes the verification of consistency on messaging.User profile forms:
The fingerprint shape information of the cell-phone number information of the information of the name of total information (484 byte)=20 byte identity card number+20 bytes+20 bytes+20 bytes+400 bytes+4 byte verifications (CHK).
The amount information of the cell-phone number information of the Transaction Information sent on fingerprint shape machine=5 byte information heads+20 bytes+10 bytes+4 byte verifications (CHK)+Information integrity checkout byte.
After city's row server is received this information, at first whether verification 4 byte verifications (CHK) conform to 4 byte verifications (CHK) of up-to-date this user profile, just return to Transaction Success information as conformed to, as be not inconsistent the code that return message is not inconsistent, after fingerprint shape machine is received this code, should notify phone area to detect server and download this user's up-to-date information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012101945818A CN103473673A (en) | 2012-06-05 | 2012-06-05 | Card-free payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2012101945818A CN103473673A (en) | 2012-06-05 | 2012-06-05 | Card-free payment system |
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| Publication Number | Publication Date |
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| CN103473673A true CN103473673A (en) | 2013-12-25 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2012101945818A Pending CN103473673A (en) | 2012-06-05 | 2012-06-05 | Card-free payment system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104143139A (en) * | 2014-08-07 | 2014-11-12 | 辽宁蓝卡医疗投资管理有限公司 | Payment method and system based on facial expressions |
| CN104376461A (en) * | 2014-11-15 | 2015-02-25 | 安徽省新方尊铸造科技有限公司 | Supermarket fast payment system based on hand shape recognition technology |
| CN104751326A (en) * | 2013-12-30 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Data processing method and related equipment and system |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| CN107194683A (en) * | 2016-03-14 | 2017-09-22 | 阿里巴巴集团控股有限公司 | On-line payment method and apparatus |
| CN108596629A (en) * | 2018-04-28 | 2018-09-28 | 深圳蓝贝科技有限公司 | a kind of convenient payment system and method |
-
2012
- 2012-06-05 CN CN2012101945818A patent/CN103473673A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104751326A (en) * | 2013-12-30 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Data processing method and related equipment and system |
| CN104143139A (en) * | 2014-08-07 | 2014-11-12 | 辽宁蓝卡医疗投资管理有限公司 | Payment method and system based on facial expressions |
| CN104376461A (en) * | 2014-11-15 | 2015-02-25 | 安徽省新方尊铸造科技有限公司 | Supermarket fast payment system based on hand shape recognition technology |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| CN107194683A (en) * | 2016-03-14 | 2017-09-22 | 阿里巴巴集团控股有限公司 | On-line payment method and apparatus |
| CN108596629A (en) * | 2018-04-28 | 2018-09-28 | 深圳蓝贝科技有限公司 | a kind of convenient payment system and method |
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Application publication date: 20131225 |