CN103606084A - Mobile on-line payment method and system based on biometric features recognition - Google Patents

Mobile on-line payment method and system based on biometric features recognition Download PDF

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Publication number
CN103606084A
CN103606084A CN201310642621.5A CN201310642621A CN103606084A CN 103606084 A CN103606084 A CN 103606084A CN 201310642621 A CN201310642621 A CN 201310642621A CN 103606084 A CN103606084 A CN 103606084A
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China
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biometric information
pre
stored
unit
payment
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CN201310642621.5A
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Chinese (zh)
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胡祝银
陈雁
周清华
陈欧
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深圳市赛为智能股份有限公司
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Priority to CN201310642621.5A priority Critical patent/CN103606084A/en
Publication of CN103606084A publication Critical patent/CN103606084A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transaction
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

The invention discloses a mobile on-line payment method based on biometric features recognition. The method comprises the following steps that when a payment request is received, a payment terminal acquires biometric feature information and sends the biometric feature information and the payment request to a financial service trading system; the financial service trading system judges whether pre-stored biometric feature information matched with the received biometric feature information exists; if the financial service trading system judges that the pre-stored biometric feature information matched with the acquired biometric feature information exists, the financial service trading system allows the payment terminal to conduct data interaction with a financial trading unit. The invention discloses a mobile on-line payment system based on biometric features recognition.

Description

一种基于生物特征识别的移动在线支付方法及系统 Mobile online payment method and system based on biometric

技术领域 FIELD

[0001] 本发明涉及计算机应用领域,尤其涉及一种基于生物特征识别的移动在线支付方法及系统。 [0001] The present invention relates to the field of computer applications, and particularly to a method and a mobile online payment system based on biometrics.

背景技术 Background technique

[0002] 随着移动互联网时代的到来,移动支付的发展无疑将给消费者带来极大的便捷,但随之而来的安全问题也成为广大消费者和服务提供商共同关注的焦点。 [0002] With the advent of the mobile Internet era, the development of mobile payments will undoubtedly bring consumers great convenience, but security problems attendant also become the focus of consumers and service providers of mutual concern. 安全问题如果得不到有效的解决或被忽视会直接影响整个支付产业的发展。 Security problems are not an effective solution or neglected to pay will directly affect the development of the whole industry.

[0003] 手机支付目前的安全问题主要包括:一是大多数手机受到SIM卡容量的限制,所发送的信息全部为明码,致使手机支付的安全性较低;二是通过短信支付方式的即时性较差,难免会造成资金流和物流的停滞。 [0003] The current mobile payment security issues include: First, most of the mobile phone SIM card is limited by the capacity of all information transmitted clearly, resulting in lower mobile payment security; via SMS payment of immediacy Second poor will inevitably cause capital flow and logistics of stagnation.

发明内容 SUMMARY

[0004] 为解决上述问题,本发明采用的一个技术方案是: [0004] To solve the above problems, an aspect of the present invention is that:

[0005] 提供一种基于生物特征识别的移动在线支付方法,包括步骤:当接收到支付请求时,支付终端获取生物特征信息并将获取到的生物特征信息和支付请求发送至金融服务交易系统;金融服务交易系统判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息;当判定存在与获取到的生物特征信息相匹配的预存储生物特征信息时,金融服务交易系统允许金融交易单元与支付终端进行数据交互。 [0005] to provide a mobile online payment method based on biometrics, comprising the steps of: when receiving the payment request, the payment terminal to acquire the biometric information and the acquired biometric information and the payment request to the financial service transaction system; financial services transaction system determines whether there is a pre-stored biometric information and the biometric information received matches; when there is a pre-stored biometric information and the acquired biometric information matches the determination, the financial services transaction system allow financial transactions means for data exchange with the payment terminal.

[0006] 本发明采用的另一个技术方案是: [0006] Another aspect of the present invention is that:

[0007] 提供一种基于生物特征识别的移动在线支付系统,包括分别于身份认证单元通信连接的支付终端和金融交易单元,所述支付终端与金融交易单元通信连接;所述支付终端包括采集单元以及支付单元,所述采集单元用于当接收到支付单元发送的支付请求时,获取生物特征信息并将获取到的生物特征信息和支付请求发送至身份认证单元;所述身份认证单元包括:判断单元,用于判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息;支付准许单元,用于当所述判断单元判定存在与获取到的生物特征信息相匹配的预存储生物特征信息时,允许金融交易单元与支付终端进行数据交互。 [0007] to provide a mobile online payment system based on biometric identification, including financial transactions and payment terminals units are connected to a communication unit of the authentication, the payment means in communication with the financial transaction terminal; said acquisition unit comprises a payment terminal and a payment unit, when the acquisition unit for receiving the payment request sent by the payment means, acquire the biometric information and the acquired biometric information and the payment request to the authentication unit; the authentication unit comprises: determining means for determining whether there is a pre-stored biometric information and the received biometric information matches; payments permission means for, when said determination means determines that there is pre-stored with the acquired biometric information matches the biometric when the information, allowing financial transaction data exchange unit and the payment terminal.

[0008] 本发明的基于生物特征识别的移动在线支付方法及系统,采用生物特征信息作为支付交易认证信息,通过生物特征识别技术采集并识别生物特征信息,然后根据预存储生物特征信息判断采集获取的生物特征信息是否合法,若合法则允许支付终端与金融交易单元进行数据交互,由于生物特征信息的惟一性和随身携带性使得支付更加安全快捷,进一步地,为了防止预存储生物特征信息泄露,本发明对预存储生物特征信息采用加密并存入智能卡的手段由用户本身保存。 [0008] The present invention is based on the movement online payment method and system for biometric identification using the biometric information of the payment transaction authentication information by biometrics acquisition and identification biometric information, and acquiring as the basis for the pre-stored biometric information to determine a collection the biometric information is legitimate, if legally allow payment terminals and financial transactions unit exchange data, due to the uniqueness and carry makes biometric information to pay more safe and efficient. further, in order to prevent pre-stored biometric information leakage, the present invention of a pre-stored encrypted biometric information stored in the smart card and the means saved by the user itself.

附图说明 BRIEF DESCRIPTION

[0009] 图1是本发明基于生物特征识别的移动在线支付系统的系统框图;[0010]图2是本发明第一实施方式中支付终端与金融服务交易系统的功能模块图; [0009] FIG. 1 is a system block diagram of the present invention, a mobile online payment system based on biometric; [0010] FIG 2 is a first embodiment of the present invention, the payment terminal and the functional block diagram of the financial services transaction system;

[0011]图3是本发明第二实施方式中支付终端与金融服务交易系统的功能模块图; [0011] FIG. 3 is a second embodiment of the present invention, the payment terminal and the functional block diagram of the financial services transaction system;

[0012] 图4是本发明一实施方式中一种基于生物特征识别的移动在线支付方法的执行流程图; [0012] FIG. 4 is a flowchart of the implementation of the mobile online payment method biometrics in an embodiment of the present invention based;

[0013] 图5是本发明第二实施方式中一种基于生物特征识别的移动在线支付方法的局部执行流程图。 [0013] FIG. 5 is a second embodiment of the present invention, a method of performing a partial flowchart of mobile online payment method based on biometrics.

[0014] 主要元件符号说明 [0014] Main reference numerals DESCRIPTION

[0015] 基于生物特征识别的移动在线支付系统100,身份认证单元20,支付终端10,金融交易单元30,采集单元11,支付单元12,读卡单元13,判断单元21,支付准许单元22,数据库23,解密单元24,智能卡40,发卡单元50,注册单元60,预存储生物特征信息采集单元61,预存单元62。 [0015] The mobile online payment system based on biometric-100, authentication unit 20, the payment terminal 10, the financial transaction unit 30, acquisition unit 11, the payment unit 12, a card reading unit 13, determination unit 21, 22 permit the payment means, database 23, the decryption unit 24, the smart card 40, a card issue unit 50, a registration unit 60, a pre-stored biometric information collection unit 61, pre-stored unit 62.

具体实施方式 Detailed ways

[0016] 为详细说明本发明的技术内容、构造特征、所实现目的及效果,以下结合实施方式并配合附图详予说明。 [0016] The teachings of the present invention in detail, structural features, objects and effects of the implementation, the following embodiments in conjunction with the accompanying drawings and to be described in detail.

[0017] 生物特征识别(BIOMETRICS)技术,是指通过计算机利用人体所固有的生理特征(指纹、虹膜、面部、DNA等)或行为特征(声音、步态、击键习惯等)来进行个人身份鉴定的技术。 [0017] Biometrics (BIOMETRICS) technology, refers to the use of human inherent physical characteristics (fingerprint, iris, face, and so the DNA) or behavioral characteristics by a computer (voice, gait, keystroke habits, etc.) to perform personal identity technical appraisal. 基于生物识别技术的身份识别比传统的身份鉴定方法更具保密性和安全性,还具有不易遗忘、防伪性能好、不易伪造或被盗、随身'携带'和随时随地可用等优点,将成为安全防范的主导技术之一。 Biometrics based identification than the conventional method of identification is more security and privacy, but also is not easily forgotten, performance and security, difficult to forge or stolen, portable 'carry' advantages and the like can be used anywhere, will be the security one of the leading technology to prevent.

[0018] 请参阅图1,是本发明基于生物特征识别的移动在线支付系统的系统框图。 [0018] Please refer to FIG. 1, it is a system block diagram of a mobile online payment system based on biometric of the present invention. 该基于生物特征识别的移动在线支付系统100包括身份认证单元20以及分别与身份认证单元20通信连接的支付终端10和金融交易单元30,所述支付终端10与金融交易单元30通信连接,所述身份认证单元20和金融交易单元30构成金融服务交易系统。 The biometrics-based mobile online payment system 100 comprises an identity authentication unit 20 and a payment terminal authentication unit 20 respectively 10 connected to the communication unit 30 and the financial transaction, the financial payment transaction terminal 10 and the communication unit 30 is connected, the authentication unit 20 and unit 30 constitutes a financial transaction financial services trading systems.

[0019] 请一并参阅图2、图3,图2是本发明第一实施方式中支付终端与金融服务交易系统的功能模块图,图3是本发明第二实施方式中支付终端与金融服务交易系统的功能模块图。 [0019] Referring to FIG 2, FIG 3, FIG. 2 is a first embodiment of the present invention, the payment terminal and the functional block diagram of the financial services transaction system, FIG 3 is a second embodiment of the present invention, the payment terminal and financial services functional block diagram of the trading system.

[0020] 所述支付终端10包括采集单元11以及支付单元12,所述采集单元11用于当接收到支付单元12发送的支付请求时,获取生物特征信息并将获取到的生物特征信息发送至身份认证单元20。 [0020] The payment terminal 10 includes a capture unit 11 and a payment unit 12, unit 11 when receiving the payment request sent by the payment unit 12, to acquire the biometric information and the acquired biometric information is sent to the collection authentication unit 20. 所述生物信息包含指纹、面部、声音,相应地,所述采集单元11包含指纹采集单元、图像采集单元、声音采集单元中的至少一种。 The biological information includes fingerprint, face, voice, respectively, the acquisition unit 11 includes a fingerprint acquisition unit, an image acquisition unit, at least one sound collection unit.

[0021] 所述身份认证单元20包括判断单元21和支付准许单元22,判断单元21用于判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息,所述预存储生物特征信息与银行账号相关联。 [0021] The authentication unit 20 includes a determination unit 21 and a payment permission unit 22, the judgment unit 21 for judging whether there is a pre-stored biometric information and the received biometric information matches the pre-stored biometric information associated with the bank account linked. 支付准许单元22用于当所述判断单元21判定存在与获取到的生物特征信息相匹配的预存储生物特征信息时,允许金融交易单元30与支付单元12进行数据交互,支付单元12与金融交易单元30通过所述数据交互完成所述银行账号的转账支付、余额查询等金融交易操作。 Payment unit 22 is permitted when said determination means 21 determines the presence of a pre-stored biometric information acquired biometric information matches, the transaction unit 30 allows financial payment data exchange unit 12, the payment unit 12 and the financial transaction unit 30 is completed through the bank account of the interaction data transfer payments, balance inquiries and other financial trading operations.

[0022] 请参阅图2,在第一实施方式中,所述身份认证单元20还包括用于存储所述预存储生物特征信息的数据库23,所述判断单元21具体用于读取数据库23并判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息。 [0022] Referring to FIG. 2, in the first embodiment, the authentication unit 20 further comprises a database for storing the pre-stored biometric information 23, the determination unit 21 reads the database 23 and specifically for determining whether there is a pre-stored biometric information and the received biometric information matches. 所述数据库23中的预存储生物特征信息为用户注册时录入金融服务交易系统的标准生物特征信息。 The database pre-stored biometric information in 23 standard biometric information into the financial services trading system when the user registration.

[0023] 请参阅图3,在第二实施方式中,所述基于生物特征识别的移动在线支付系统100还包括智能卡40。 [0023] Referring to FIG 3, in the second embodiment, the online payment system based on the movement of biometric smart card 100 further comprises a 40. 所述智能卡40用于存储所述预存储生物特征信息,该预存储生物信息为用户注册时录入金融服务交易系统的标准生物特征信息。 The smart card 40 for storing the pre-stored biometric information input standard financial services transaction system when the biometric information pre-stored biometric information for the user registration. 所述支付终端10还包括读卡单元13,读卡单元13用于当接收到支付单元12发送的支付请求时,判断是否有智能卡40插入,当判定有智能卡40插入时,获取存储在智能卡40中的预存储生物特征信息,并将预存储生物特征信息发送至所述身份认证单元20。 The payment terminal 10 further includes a card reading unit 13, the card reading unit 13 when receiving the payment request sent by the payment unit 12, it determines whether the smart card 40 is inserted, when it is determined there is a smart card 40 is inserted in the smart card memory 40 acquires the pre-stored biometric information, and the pre-stored biometric information to the authentication unit 20. 所述判断单元21具体用于判断接收到的生物特征信息与接收到的存储在智能卡40中的预存储生物特征信息是否相匹配。 The determination unit 21 is configured to determine whether the received biometric information stored in the received information pre-stored in the biometric smart card 40 matches.

[0024] 在第二实施方式中,所述金融服务交易系统还包括发卡单元50,所述发卡单元50用于使用预设秘钥将预存储生物特征信息加密后,存储至智能卡40中,即所述存储在智能卡中的预存储生物特征信息为加密信息。 [0024] In the second embodiment, the system further comprises a financial service transaction card issue unit 50, a card issue unit 50 using a predetermined secret key after a pre-stored encrypted biometric information, stored in the smart card 40, i.e., said pre-stored biometric information stored in the smart card is encrypted information. 所述身份认证单元20还包括解密单元24,所述解密单元24具体用于使用与所述预设秘钥相应的密码解密接收到的预存储生物特征信息,并当解密成功后通知所述判断单元21执行判断操作。 The authentication unit 20 further includes a decryption unit 24, a decrypting unit 24 for use specifically with the preset pre-stored biometric information corresponding to the secret key to decrypt the received password, and when the decryption is successful the notification determination unit 21 performs judgment operation.

[0025] 在第一和第二实施方式中,所述基于生物特征识别的移动在线支付系统100还包括注册单元60,所述注册单元60包括预存储生物特征信息采集单元61以及预存单元62,所述生物信息包含指纹、面部、声音,相应地,所述预存储生物特征信息采集单元61包含指纹采集单元、图像采集单元、声音采集单元中的至少一种。 [0025] In the first embodiment and the second embodiment, the mobile online payment system based on the biometric registration unit 100 further comprises a 60, the registration unit 60 includes a pre-stored biometric information acquisition unit 61 and a pre-stored unit 62, the biological information includes fingerprint, face, voice, accordingly, the pre-stored biometric information acquisition unit 61 comprises a fingerprint acquisition unit, an image acquisition unit, at least one sound collection unit. 所述预存储生物特征信息采集单元61用于获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息。 The biometric information pre-stored biometric information acquisition unit 61 for acquiring the biometric information is acquired and set to a pre-stored biometric information. 其中,在第一实施方式中,所述预存单元62将设定的预存储生物特征信息存储至所述数据库23 ;在第二实施方式中,所述预存单元62将设定的预存储生物特征信息发送至发卡单元50。 Pre-stored biometric In the second embodiment, the pre-stored setting unit 62; wherein, in a first embodiment, the pre-stored pre-stored biometric information storage unit 62 is set to the database 23 information transmitting unit 50 to the card issuer.

[0026] 考虑到预存储生物特征信息的安全性和隐私性,在第二实施方式中,本发明将预存储生物特征信息经过加密后写入智能卡中。 [0026] For security and privacy of a pre-stored biometric information, in the second embodiment, the present invention will be pre-stored encrypted biometric information is written after the smart card. 智能卡内的集成电路包括中央处理器CPU、可编程只读存储器EEPR0M、随机存储器RAM和固化在只读存储器ROM中的卡内操作系统COS (Chip Operating System)。 Integrated circuits in smart card comprises a central processing unit CPU, a programmable read-only memory EEPR0M, random access memory RAM and curing the card operating system in a read only memory ROM, COS (Chip Operating System). 在第一实施方式中,用户可以自己选择存在金融服务交易系统数据库中,用户无需携带智能卡。 In the first embodiment, the user can choose the financial services exist in their own trading system database, users do not need to carry a smart card.

[0027] 请参阅图4,是本发明一实施方式中一种基于生物特征识别的移动在线支付方法的执行流程图。 [0027] Please refer to FIG. 4, is an embodiment of one embodiment of the present invention, the flowchart is executed a mobile online payment method based on biometrics. 该基于生物特征识别的移动在线支付方法具体包括如下步骤: The mobile online payment method based on biometrics includes the following steps:

[0028] 步骤S1、当接收到支付请求时,支付终端获取生物特征信息并将获取到的生物特征信息和支付请求发送至金融服务交易系统; [0028] to step S1, upon receiving the payment request, the payment terminal acquires the biometric information and the acquired biometric information and the payment request to the financial service transaction system;

[0029] 步骤S2、金融服务交易系统判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息,所述预存储生物特征信息与银行账号相关联; [0029] Step S2, the financial services transaction system determines whether there is a pre-stored biometric information and the received biometric information matches the biometric information of a bank account associated with the pre-stored;

[0030] 步骤S3、当判定存在与获取到的生物特征信息相匹配的预存储生物特征信息时,金融服务交易系统允许金融交易单元与支付终端进行数据交互。 [0030] Step S3, the pre-stored when there is biometric information of the acquired biometric information matches the determination, allows financial transaction system service financial transaction unit exchanging data with the payment terminal. 支付终端与金融交易单元通过所述数据交互完成所述银行账号的转账支付、余额查询等金融交易操作。 Payment terminals and financial transactions of the bank account to complete the unit of transfer payments, balance inquiries and other financial trading operations through the data exchange.

[0031] 在第一实施方式中,所述金融服务交易系统还包括用于存储所述预存储生物特征信息的数据库,所述步骤S2的具体实现步骤包括:读取数据库并判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息。 [0031] In a first embodiment, the financial service transaction system further comprises a database for storing the pre-stored biometric information, the specific implementation of step S2 comprises the step of: reading a database and determines whether there is received the biometric information matches the pre-stored biometric information. [0032] 在第一实施方式中,所述基于生物特征识别的移动在线支付方法还包括注册步骤,所述注册步骤具体包括:金融服务交易系统获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息;以及金融服务交易系统将设定的预存储生物特征信息存储至所述数据库。 [0032] In a first embodiment, the mobile online payment method based on the biometric registration further comprises the step, said registration step comprises: a financial transaction system service to acquire the biometric information and the biometric information acquired set as a pre-stored biometric information; financial services transaction system and the set of pre-stored biometric information stored in the database.

[0033] 请参阅图5,是本发明第二实施方式中一种基于生物特征识别的移动在线支付方法的局部执行流程图。 [0033] Please refer to FIG. 5, a second embodiment of the present invention, a method of performing a partial flowchart of mobile online payment method based on biometrics. 在第二实施方式中,所述预存储生物特征信息存储在智能卡中,所述步骤S2前还包括步骤: In the second embodiment, the pre-stored biometric information stored in the smartcard, the step further comprising the step S2 front:

[0034] 步骤S11、当接收到支付请求时,支付终端判断是否有智能卡插入; [0034] step S11, and when receiving the payment request, the payment terminal determines whether a smart card is inserted;

[0035] 步骤S12、当判定有智能卡插入时,支付终端获取存储在智能卡中的预存储生物特征信息,并将预存储生物特征信息发送至所述金融服务交易系统。 [0035] In step S12, when it is determined there is a smart card is inserted, a pre-stored payment terminal acquires the biometric stored on the smart card information and pre-stored biometric information to the financial transaction system service.

[0036] 在第二实施方式中,所述步骤S2具体为:金融服务交易系统判断接收到的生物特征信息与接收到的存储在智能卡中的预存储生物特征信息是否相匹配。 [0036] In the second embodiment, the step S2 is specifically: if the pre-stored biometric information service financial transaction system determines whether the received biometric information received is stored in the smart card matches.

[0037] 在第二实施方式中,所述的一种基于生物特征识别的移动在线支付方法还包括发卡步骤:金融服务交易系统使用预设秘钥将预存储生物特征信息加密后,存储至所述智能卡中。 [0037] In the second embodiment, according to a mobile online payment method based on biometric issuing further comprising the step of: after the service financial transaction system using the default pre-stored secret key to encrypt biometric information, stored in the said smart card.

[0038] 在第二实施方式中,所述步骤S12后还包括步骤: [0038] In the second embodiment, after the step S12 further comprises the step of:

[0039] 步骤S13、金融服务交易系统使用与所述预设秘钥相应的密码解密接收到的存储在智能卡中的预存储生物特征信息。 [0039] In step S13, the service financial transaction system using biometric information pre-stored in the smart card to decrypt the received secret key corresponding to the preset password storage.

[0040] 在第二实施方式中,所述基于生物特征识别的移动在线支付方法还包括注册步骤,所述注册步骤具体包括:获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息,然后进入所述发卡步骤。 [0040] In the second embodiment, the mobile online payment method based on the biometric registration further comprises the step, said registration step comprises: acquiring the acquired biometric information and biometric information setting prestored biometric information, and then enter the issuing step.

[0041] 考虑到预存储生物特征信息的安全性和隐私性,在第二实施方式中,本发明将预存储生物特征信息经过加密后写入智能卡中。 [0041] For security and privacy of a pre-stored biometric information, in the second embodiment, the present invention will be pre-stored encrypted biometric information is written after the smart card. 智能卡内的集成电路包括中央处理器CPU、可编程只读存储器EEPR0M、随机存储器RAM和固化在只读存储器ROM中的卡内操作系统COS (Chip Operating System)。 Integrated circuits in smart card comprises a central processing unit CPU, a programmable read-only memory EEPR0M, random access memory RAM and curing the card operating system in a read only memory ROM, COS (Chip Operating System). 在第一实施方式中,用户可以自己选择存在金融服务交易系统数据库中,用户无需携带智能卡。 In the first embodiment, the user can choose the financial services exist in their own trading system database, users do not need to carry a smart card.

[0042] 本发明的基于生物特征识别的移动在线支付方法及系统,采用生物特征信息作为支付交易认证信息,通过生物特征识别技术采集并识别生物特征信息,然后根据预存储生物特征信息判断采集获取的生物特征信息是否合法,若合法则允许支付终端与金融交易单元进行数据交互,由于生物特征信息的惟一性和随身携带性使得支付更加安全快捷,进一步地,为了防止预存储生物特征信息泄露,本发明对预存储生物特征信息采用加密并存入智能卡的手段由用户本身保存。 [0042] The present invention is based on the movement online payment method and system for biometric identification using the biometric information of the payment transaction authentication information by biometrics acquisition and identification biometric information, and acquiring as the basis for the pre-stored biometric information to determine a collection the biometric information is legitimate, if legally allow payment terminals and financial transactions unit exchange data, due to the uniqueness and carry makes biometric information to pay more safe and efficient. further, in order to prevent pre-stored biometric information leakage, the present invention of a pre-stored encrypted biometric information stored in the smart card and the means saved by the user itself.

[0043] 以上所述仅为本发明的实施例,并非因此限制本发明的专利范围,凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换,或直接或间接运用在其他相关的技术领域,均同理包括在本发明的专利保护范围内。 [0043] The embodiments described above are only embodiments of the present invention, not intended to limit the scope of the present invention, all utilize the present specification and drawings taken equivalent structures or equivalent process, or other direct or indirect application Related technical fields shall fall within the scope of protection of the present invention.

Claims (10)

1.一种基于生物特征识别的移动在线支付方法,其特征在于,包括步骤: 当接收到支付请求时,支付终端获取生物特征信息并将获取到的生物特征信息和支付请求发送至金融服务交易系统; 金融服务交易系统判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息; 当判定存在与获取到的生物特征信息相匹配的预存储生物特征信息时,金融服务交易系统允许金融交易单元与支付终端进行数据交互。 A mobile online payment method based on biometrics, characterized by comprising the steps of: when receiving the payment request, the payment terminal to acquire the biometric information and the acquired biometric information and the payment request to the financial service transactions system; financial services transaction system determines whether there is a pre-stored biometric information and the biometric information received matches; when there is a pre-stored biometric information and the acquired biometric information matches the determination, the financial services transaction system allows financial transaction unit exchanging data with the payment terminal.
2.根据权利要求1所述的一种基于生物特征识别的移动在线支付方法,其特征在于,所述金融服务交易系统还包括用于存储所述预存储生物特征信息的数据库,所述“金融服务交易系统判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息”的具体实现步骤包括:读取数据库并判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息; 所述基于生物特征识别的移动在线支付方法还包括注册步骤,所述注册步骤具体包括: 金融服务交易系统获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息;以及金融服务交易系统将设定的预存储生物特征信息存储至所述数据库。 According to one of the claims 1 to mobile online payment method based on biometrics, wherein said system further comprises a financial service transaction database for storing the pre-stored biometric information, the "Financial service trading system determines whether there is a pre-stored biometric information and the received biometric information matches the "specific implementation comprises the step of: reading a pre-stored database and determines whether there is biometric information and biometric information that matches the received ; mobile online payment method based on the biometric registration further comprises the step, said registration step comprises: a financial transaction system service to acquire the biometric information and the acquired biometric information is set to a pre-stored biometric information; financial services pre-set trading system will store biometric information stored in the database.
3.根据权利要求1所述的一种基于生物特征识别的移动在线支付方法,其特征在于,所述预存储生物特征信息存储在智能卡中,所述“金融服务交易系统判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息”前还包括步骤: 当接收到支付请求时,支付终端判断是否有智能卡插入; 当判定有智能卡插入时,支付终端获取存储在智能卡中的预存储生物特征信息,并将预存储生物特征信息发送至所述金融服务交易系统; 所述“金融服务交易系统判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息”具体为:金融服务交易系统判断接收到的生物特征信息与接收到的预存储生物特征信息是否相匹配。 According to one of the claims 1 to mobile online payment method based on biometrics, wherein said pre-stored biometric information stored in the smartcard, the "financial service transaction system determines whether there is received biometric pre-stored biometric information that matches the "front further comprising the step of: when receiving the payment request, the payment terminal determines whether a smart card is inserted; when it is determined there is a smart card is inserted, the payment terminal acquires prestored stored in the smart card biometric information, and the pre-stored biometric information to the financial service transaction system; the "financial services transaction system determines whether there is a pre-stored biometric information and biometric information matches the received" specifically: financial the service system determines whether the transaction received biometric information with the received pre-stored biometric information matches.
4.根据权利要求3所述的一种基于生物特征识别的移动在线支付方法,其特征在于,所述基于生物特征识别的移动在线支付方法还包括发卡步骤:金融服务交易系统使用预设秘钥将预存储生物特征信息加密后,存储至所述智能卡中; 所述“支付终端获取存储在智能卡中的预存储生物特征信息,并将预存储生物特征信息发送至所述金融服务交易系统”后还包括步骤:金融服务交易系统使用与所述预设秘钥相应的密码解密接收到的存储在智能卡中的预存储生物特征信息。 According to one of the claim 3, mobile online payment method based on biometrics, wherein said mobile online payment method based on biometric issuing further comprising the step of: using the default financial transaction system service keys after the "payment terminal to obtain a pre-stored biometric information stored in the smart card, and pre-stored biometric information to the financial services trading system"; after a pre-stored biometric information is encrypted, stored in the smart card further comprising the step of: financial transaction system service using the preset pre-stored biometric information in the smart card's secret decryption key corresponding to the received storage.
5.根据权利要求4所述的一种基于生物特征识别的移动在线支付方法,其特征在于,所述基于生物特征识别的移动在线支付方法还包括注册步骤,所述注册步骤具体包括: 获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息,然后进入所述发卡步骤。 5. According to one claim 4, wherein the mobile online payment method based on biometrics, wherein said mobile online payment method based on biometric registration further comprises the step, said registration step comprises: obtaining a biological the acquired characteristic information and the biometric information is set to a pre-stored biometric information, then proceeds to the issuing step.
6.一种基于生物特征识别的移动在线支付系统,其特征在于,包括分别于身份认证单元通信连接的支付终端和金融交易单元,所述支付终端与金融交易单元通信连接; 所述支付终端包括采集单元以及支付单元,所述采集单元用于当接收到支付单元发送的支付请求时,获取生物特征信息并将获取到的生物特征信息和支付请求发送至身份认证单元; 所述身份认证单元包括: 判断单元,用于判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息; 支付准许单元,用于当所述判断单元判定存在与获取到的生物特征信息相匹配的预存储生物特征信息时,允许金融交易单元与支付终端进行数据交互。 A mobile online payment system based on biometrics, characterized in that the payment terminals and financial transactions comprising means respectively connected to a communication unit authentication, the payment means in communication with the financial transaction terminal; said payment terminal comprises and a payment unit acquisition unit, the acquisition unit for, when receiving the payment request sent by the payment means, acquire the biometric information and the acquired biometric information and the payment request to the authentication unit; the authentication unit comprises : determination means for determining whether there is a pre-stored biometric information and the received biometric information matches; payments permission unit for the pre-stored when the acquired biometric information matches the determination means determines that there when biometric information that allows financial transaction data exchange unit and the payment terminal.
7.根据权利要求6所述的一种基于生物特征识别的移动在线支付系统,其特征在于,所述身份认证单元还包括用于存储所述预存储生物特征信息的数据库,所述判断单元具体用于读取数据库并判断是否存在与接收到的生物特征信息相匹配的预存储生物特征信息; 所述基于生物特征识别的移动在线支付系统还包括注册单元,所述注册单元包括: 预存储生物特征信息采集单元,用于获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息;以及预存单元,用于将设定的预存储生物特征信息存储至所述数据库。 According to one of the claims 6 to online payment system based on the movement biometric, characterized in that the authentication unit further comprises a database for storing the pre-stored biometric information, the determination unit specifically for reading a pre-stored database and determines whether there is biometric information and the received biometric information matches; mobile-based online payment system further includes a biometric registration unit, the registration unit comprises: a pre-storage of a biological characteristic information acquisition unit for acquiring the biometric information and the acquired biometric information is set to a pre-stored biometric information; and a pre-stored unit for setting the pre-stored biometric information stored in the database.
8.根据权利要求6所述的一种基于生物特征识别的移动在线支付系统,其特征在于,所述基于生物特征识别的移动在线支付系统还包括智能卡,所述支付终端还包括读卡单元,所述读卡单元用于当接收到支付单元发送的支付请求时,判断是否有智能卡插入,当判定有智能卡插入时,获取存储在智能卡中的预存储生物特征信息,并将预存储生物特征信息发送至所述身份认证单元; 所述判断单元具体用于判断接`收到的生物特征信息与接收到的预存储生物特征信息是否相匹配的。 According to claim 6, wherein one of the online payment system based on the movement biometric, wherein the mobile online payment system based on biometric smart card further comprises a payment terminal further comprises a card reading unit, the card reading unit for, when receiving a payment request sent by the payment unit, determines whether a smart card is inserted, when it is determined there is a smart card is inserted, a pre-stored acquiring biometric information stored in the smart card, and the pre-stored biometric information sending to the authentication unit; the determination unit is configured to take determined `biometric information received pre-stored biometric information received matches the.
9.根据权利要求8所述的一种基于生物特征识别的移动在线支付系统,其特征在于,所述金融服务交易系统还包括发卡单元,所述发卡单元用于使用预设秘钥将预存储生物特征信息加密后,存储至所述智能卡中;所述身份认证单元还包括解密单元,所述解密单元用于使用与所述预设秘钥相应的密码解密接收到的预存储生物特征信息,并当解密成功后通知所述判断单元执行判断操作。 According to claim 8, wherein one of the online payment system based on the movement biometric, wherein said system further comprises a financial service transaction issuing unit, issuing a pre-storing unit for using the preset keys after the encrypted biometric information, stored in the smart card; the authentication unit further comprises a decryption unit, and the decryption means for using the predetermined pre-stored biometric information corresponding to the secret key to decrypt the received password, when the decryption is successful and the judgment unit performs the notification judgment operation.
10.根据权利要求9所述的一种基于生物特征识别的移动在线支付系统,其特征在于,所述基于生物特征识别的移动在线支付系统还包括注册单元,所述注册单元包括: 预存储生物特征信息采集单元,用于获取生物特征信息并将获取到的生物特征信息设定为预存储生物特征信息;以及预存单元,用于将设定的预存储生物特征信息发送至所述发卡单元。 According to one of the claim 9 online payment system based on a mobile biometric, wherein the mobile online payment system based on biometric registration unit further comprises a registration unit comprises: a pre-storage of a biological characteristic information acquisition unit for acquiring the biometric information and the acquired biometric information is set to a pre-stored biometric information; and a pre-stored unit for pre-storing the set biometric information to the issuing unit.
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