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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CN
China
Prior art keywords
biological information
stored
unit
payment
living things
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CN201310642621.5A
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Chinese (zh)
Inventor
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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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING; COUNTING
    • G06Q—DATA 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING; COUNTING
    • G06Q—DATA 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks 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

A kind of Mobile Online's method of payment and system based on living things feature recognition

Technical field

The present invention relates to computer application field, relate in particular to a kind of Mobile Online's method of payment and system based on living things feature recognition.

Background technology

Along with the arrival in mobile Internet epoch, it is convenient greatly that the development of mobile payment will bring to consumer undoubtedly, but thing followed safety problem also becomes consumers in general and the common focus of paying close attention to of service provider.If safety problem can not get effectively solving or the directly development of the whole payment industry of impact of meeting out in the cold.

The current safety problem of mobile-phone payment mainly comprises: the one, and most of mobile phones are subject to SIM card and hold quantitative limitation, and the information sending 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.

Summary of the invention

For addressing the above problem, the technical scheme that the present invention adopts is:

A kind of Mobile Online's method of payment based on living things feature recognition is provided, comprises step: when receiving payment request, payment terminal is obtained biological information and the biological information getting and the request that pays are sent to financial services transactions system; Financial services transactions system judges whether to exist the pre-stored biological information matching with the biological information receiving; When judging the pre-stored biological information that existence and the biological information getting match, financial services transactions system allows financial transaction unit and payment terminal to carry out data interaction.

Another technical solution used in the present invention is:

A kind of Mobile Online's payment system based on living things feature recognition is provided, comprises the payment terminal and the financial transaction unit that respectively at authentication unit communication, connect, described payment terminal is connected with financial transaction unit communication; Described payment terminal comprises collecting unit and payment unit, and described collecting unit, for when receiving the payment request of payment unit transmission, obtains biological information and the biological information getting and the request that pays are sent to authentication unit; Described authentication unit comprises: judging unit, for judging whether to exist the pre-stored biological information matching with the biological information receiving; Pay and permit unit, while there is for judging when described judging unit the pre-stored biological information matching with the biological information getting, allow financial transaction unit and payment terminal to carry out data interaction.

Mobile Online's method of payment and system based on living things feature recognition of the present invention, adopt biological information as payment transaction authentication information, by biometrics identification technology, gather and identify biological information, whether the biological information then obtaining according to pre-stored biological information judgement collection is legal, if legal, allow payment terminal and financial transaction unit to carry out data interaction, because the uniqueness of biological information and the property carried make to pay more safe and efficient, further, in order to prevent pre-stored biological information, reveal, the present invention adopts the means of encrypting and deposit in smart card to be preserved by user itself to pre-stored biological information.

Accompanying drawing explanation

Fig. 1 is the system chart that the present invention is based on Mobile Online's payment system of living things feature recognition;

Fig. 2 is the functional block diagram of payment terminal and financial services transactions system in first embodiment of the invention;

Fig. 3 is the functional block diagram of payment terminal and financial services transactions system in second embodiment of the invention;

Fig. 4 is the flowchart of a kind of Mobile Online's method of payment based on living things feature recognition in an embodiment of the present invention;

Fig. 5 is the local flowchart of a kind of Mobile Online's method of payment based on living things feature recognition in second embodiment of the invention.

Main element symbol description

Mobile Online's payment system 100 based on living things feature recognition, authentication unit 20, payment terminal 10, financial transaction unit 30, collecting unit 11, payment unit 12, card reading unit 13, judging unit 21, pays and permits unit 22, database 23, decryption unit 24, smart card 40, hair fastener unit 50, registering unit 60, pre-stored collecting biological feature information unit 61, unit 62 prestores.

Embodiment

By describing technology contents of the present invention, structural attitude in detail, being realized object and effect, below in conjunction with embodiment and coordinate accompanying drawing to be explained in detail.

Living things feature recognition (BIOMETRICS) technology, refers to the technology of utilizing the intrinsic physiological characteristic of human body (fingerprint, iris, face, DNA etc.) or behavioural characteristic (sound, gait, keystroke custom etc.) to carry out personal identification evaluation by computing machine.Identification based on biological identification technology has more confidentiality and security than traditional identity identifying method, also have be difficult for forgeing, anti-counterfeiting performance is good, be difficult for to forge or stolen, carry-on ' carrying ' and the advantage such as available whenever and wherever possible, will become one of dominant technology of safety precaution.

Referring to Fig. 1, is the system chart that the present invention is based on Mobile Online's payment system of living things feature recognition.Mobile Online's payment system 100 that should be based on living things feature recognition comprise authentication unit 20 and respectively with payment terminal 10 and the financial transaction unit 30 of authentication unit 20 communication connections, described payment terminal 10 forms financial services transactions system with 30 communication connections of financial transaction unit, described authentication unit 20 and financial transaction unit 30.

See also Fig. 2, Fig. 3, Fig. 2 is the functional block diagram of payment terminal and financial services transactions system in first embodiment of the invention, and Fig. 3 is the functional block diagram of payment terminal and financial services transactions system in second embodiment of the invention.

Described payment terminal 10 comprises collecting unit 11 and payment unit 12, and described collecting unit 11, for when receiving the payment request of payment unit 12 transmissions, obtains biological information and the biological information getting is sent to authentication unit 20.Described biological information comprises fingerprint, face, sound, and correspondingly, described collecting unit 11 comprises at least one in fingerprint collecting unit, image acquisition units, sound collection unit.

Described authentication unit 20 comprises judging unit 21 and pays permits unit 22, there is for judging whether the pre-stored biological information matching with the biological information receiving in judging unit 21, described pre-stored biological information is associated with Bank Account Number.Pay and permit unit 22 for when described judging unit 21 judgements exist the pre-stored biological information matching with the biological information getting, allow financial transaction unit 30 and payment unit 12 to carry out data interaction, payment unit 12 and financial transaction unit 30 the complete described Bank Account Number financial transactions such as payment by the transfer of accounts, inquiry into balance by described data interaction operate.

Refer to Fig. 2, in the first embodiment, described authentication unit 20 also comprises for storing the database 23 of described pre-stored biological information, and described judging unit 21 is specifically for reading database 23 and judge whether to exist the pre-stored biological information matching with the biological information receiving.The standard biological characteristic information of typing financial services transactions system when the pre-stored biological information in described database 23 is registered for user.

Refer to Fig. 3, in the second embodiment, described Mobile Online's payment system 100 based on living things feature recognition also comprises smart card 40.Described smart card 40 is for storing described pre-stored biological information, the standard biological characteristic information of typing financial services transactions system when this pre-stored biological information is registered for user.Described payment terminal 10 also comprises card reading unit 13, card reading unit 13 is for when receiving the payment request of payment unit 12 transmissions, judged whether that smart card 40 inserts, when being determined with smart card 40 insertion, obtain the pre-stored biological information being stored in smart card 40, and pre-stored biological information is sent to described authentication unit 20.Whether the biological information that described judging unit 21 receives specifically for judgement matches with the pre-stored biological information being stored in smart card 40 receiving.

In the second embodiment, described financial services transactions system also comprises hair fastener unit 50, described hair fastener unit 50 is for after being used default secret key that pre-stored biological information is encrypted, be stored in smart card 40, the pre-stored biological information being stored in smart card described in is enciphered message.Described authentication unit 20 also comprises decryption unit 24, described decryption unit 24 presets specifically for using with described the pre-stored biological information that the corresponding password to decipher of secret key receives, and after successful decryption, notifies described judging unit 21 to carry out decision operation.

In the first and second embodiments, described Mobile Online's payment system 100 based on living things feature recognition also comprises registering unit 60, described registering unit 60 comprises pre-stored collecting biological feature information unit 61 and the unit 62 that prestores, described biological information comprises fingerprint, face, sound, correspondingly, described pre-stored collecting biological feature information unit 61 comprise in fingerprint collecting unit, image acquisition units, sound collection unit at least one.Described pre-stored collecting biological feature information unit 61 is for obtaining biological information and the biological information getting being set as to pre-stored biological information.Wherein, in the first embodiment, described in the unit 62 that prestores the pre-stored biological information of setting is stored to described database 23; In the second embodiment, described in the unit 62 that prestores the pre-stored biological information of setting is sent to hair fastener unit 50.

Consider security and the privacy of pre-stored biological information, in the second embodiment, the present invention writes pre-stored biological information in smart card after encrypting.Integrated circuit in smart card comprises central processor CPU, programmable read only memory EEPROM, random access memory ram and is solidificated in the card internal operating system COS (Chip Operating System) in read only memory ROM.In the first embodiment, user can oneself select to exist in financial services transactions system database, and user is without carrying smart card.

Referring to Fig. 4, is the flowchart of a kind of Mobile Online's method of payment based on living things feature recognition in an embodiment of the present invention.Should the Mobile Online's method of payment based on living things feature recognition specifically comprise the steps:

Step S1, when receiving while paying request, payment terminal is obtained biological information and the biological information getting and the request that pays is sent to financial services transactions system;

Step S2, financial services transactions system judge whether to have the pre-stored biological information matching with the biological information receiving, and described pre-stored biological information is associated with Bank Account Number;

Step S3, when judge there is the pre-stored biological information matching with the biological information getting, financial services transactions system allows financial transaction unit and payment terminal to carry out data interaction.Payment terminal and financial transaction unit complete the financial transactions such as the payment by the transfer of accounts, inquiry into balance of described Bank Account Number and operate by described data interaction.

In the first embodiment, described financial services transactions system also comprises that the specific implementation step of described step S2 comprises for storing the database of described pre-stored biological information: reading database also judges whether to exist the pre-stored biological information matching with the biological information receiving.

In the first embodiment, described Mobile Online's method of payment based on living things feature recognition also comprises registration step, and described registration step specifically comprises: financial services transactions system acquisition biological information is also set as pre-stored biological information by the biological information getting; And financial services transactions system is stored to described database by the pre-stored biological information of setting.

Referring to Fig. 5, is the local flowchart of a kind of Mobile Online's method of payment based on living things feature recognition in second embodiment of the invention.In the second embodiment, described pre-stored biological information is stored in smart card, also comprises step before described step S2:

Step S11, when receiving while paying request, payment terminal has judged whether that smart card inserts;

Step S12, when being determined with smart card and inserting, payment terminal is obtained the pre-stored biological information being stored in smart card, and pre-stored biological information is sent to described financial services transactions system.

In the second embodiment, described step S2 is specially: whether the biological information that the judgement of financial services transactions system receives matches with the pre-stored biological information being stored in smart card receiving.

In the second embodiment, described a kind of Mobile Online's method of payment based on living things feature recognition also comprises hair fastener step: financial services transactions system is stored in described smart card after using default secret key that pre-stored biological information is encrypted.

In the second embodiment, after described step S12, also comprise step:

Step S13, financial services transactions system are used with the described default corresponding password to decipher of secret key receives and are stored in the pre-stored biological information in smart card.

In the second embodiment, described Mobile Online's method of payment based on living things feature recognition also comprises registration step, described registration step specifically comprises: obtain biological information and the biological information getting is set as to pre-stored biological information, then enter described hair fastener step.

Consider security and the privacy of pre-stored biological information, in the second embodiment, the present invention writes pre-stored biological information in smart card after encrypting.Integrated circuit in smart card comprises central processor CPU, programmable read only memory EEPROM, random access memory ram and is solidificated in the card internal operating system COS (Chip Operating System) in read only memory ROM.In the first embodiment, user can oneself select to exist in financial services transactions system database, and user is without carrying smart card.

Mobile Online's method of payment and system based on living things feature recognition of the present invention, adopt biological information as payment transaction authentication information, by biometrics identification technology, gather and identify biological information, whether the biological information then obtaining according to pre-stored biological information judgement collection is legal, if legal, allow payment terminal and financial transaction unit to carry out data interaction, because the uniqueness of biological information and the property carried make to pay more safe and efficient, further, in order to prevent pre-stored biological information, reveal, the present invention adopts the means of encrypting and deposit in smart card to be preserved by user itself to pre-stored biological information.

The foregoing is only embodiments of the invention; not thereby limit the scope of the claims of the present invention; every equivalent structure or conversion of equivalent flow process that utilizes instructions of the present invention and accompanying drawing content to do; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.

Claims (10)

1. the Mobile Online's method of payment based on living things feature recognition, is characterized in that, comprises step:
When receiving payment request, payment terminal is obtained biological information and the biological information getting and the request that pays is sent to financial services transactions system;
Financial services transactions system judges whether to exist the pre-stored biological information matching with the biological information receiving;
When judging the pre-stored biological information that existence and the biological information getting match, financial services transactions system allows financial transaction unit and payment terminal to carry out data interaction.
2. a kind of Mobile Online's method of payment based on living things feature recognition according to claim 1, it is characterized in that, described financial services transactions system also comprises for storing the database of described pre-stored biological information, and the specific implementation step of described " financial services transactions system judges whether to exist the pre-stored biological information matching with the biological information receiving " comprising: reading database also judges whether to exist the pre-stored biological information matching with the biological information receiving;
Described Mobile Online's method of payment based on living things feature recognition also comprises registration step, and described registration step specifically comprises:
Financial services transactions system acquisition biological information is also set as pre-stored biological information by the biological information getting; And
Financial services transactions system is stored to described database by the pre-stored biological information of setting.
3. a kind of Mobile Online's method of payment based on living things feature recognition according to claim 1, it is characterized in that, described pre-stored biological information is stored in smart card, described " financial services transactions system judges whether to exist the pre-stored biological information matching with the biological information receiving " front step that also comprises:
When receiving payment request, payment terminal has judged whether that smart card inserts;
When being determined with smart card insertion, payment terminal is obtained the pre-stored biological information being stored in smart card, and pre-stored biological information is sent to described financial services transactions system;
Described " financial services transactions system judges whether to exist the pre-stored biological information matching with the biological information receiving " is specially: whether the biological information that the judgement of financial services transactions system receives matches with the pre-stored biological information receiving.
4. a kind of Mobile Online's method of payment based on living things feature recognition according to claim 3, it is characterized in that, described Mobile Online's method of payment based on living things feature recognition also comprises hair fastener step: financial services transactions system is stored in described smart card after using default secret key that pre-stored biological information is encrypted;
After described " payment terminal is obtained the pre-stored biological information being stored in smart card, and pre-stored biological information is sent to described financial services transactions system ", also comprise step: financial services transactions system is used with the described default corresponding password to decipher of secret key receives and is stored in the pre-stored biological information in smart card.
5. a kind of Mobile Online's method of payment based on living things feature recognition according to claim 4, is characterized in that, described Mobile Online's method of payment based on living things feature recognition also comprises registration step, and described registration step specifically comprises:
Obtain biological information and the biological information getting is set as to pre-stored biological information, then enter described hair fastener step.
6. the Mobile Online's payment system based on living things feature recognition, is characterized in that, comprises the payment terminal and the financial transaction unit that respectively at authentication unit communication, connect, and described payment terminal is connected with financial transaction unit communication;
Described payment terminal comprises collecting unit and payment unit, and described collecting unit, for when receiving the payment request of payment unit transmission, obtains biological information and the biological information getting and the request that pays are sent to authentication unit;
Described authentication unit comprises:
Judging unit, for judging whether to exist the pre-stored biological information matching with the biological information receiving;
Pay and permit unit, while there is for judging when described judging unit the pre-stored biological information matching with the biological information getting, allow financial transaction unit and payment terminal to carry out data interaction.
7. a kind of Mobile Online's payment system based on living things feature recognition according to claim 6, it is characterized in that, described authentication unit also comprises for storing the database of described pre-stored biological information, and described judging unit is specifically for reading database and judge whether to exist the pre-stored biological information matching with the biological information receiving;
Described Mobile Online's payment system based on living things feature recognition also comprises registering unit, and described registering unit comprises:
Pre-stored collecting biological feature information unit, for obtaining biological information and the biological information getting being set as to pre-stored biological information; And
The unit that prestores, for being stored to described database by the pre-stored biological information of setting.
8. a kind of Mobile Online's payment system based on living things feature recognition according to claim 6, it is characterized in that, described Mobile Online's payment system based on living things feature recognition also comprises smart card, described payment terminal also comprises card reading unit, described card reading unit is for when receiving the payment request of payment unit transmission, judged whether that smart card inserts, when being determined with smart card insertion, obtain the pre-stored biological information being stored in smart card, and pre-stored biological information is sent to described authentication unit;
Whether the biological information that described judging unit receives specifically for judgement matches with the pre-stored biological information receiving.
9. a kind of Mobile Online's payment system based on living things feature recognition according to claim 8, it is characterized in that, described financial services transactions system also comprises hair fastener unit, described hair fastener unit is stored in described smart card after being used for using default secret key that pre-stored biological information is encrypted;
Described authentication unit also comprises decryption unit, and described decryption unit presets for using with described the pre-stored biological information that the corresponding password to decipher of secret key receives, and after successful decryption, notifies described judging unit to carry out decision operation.
10. a kind of Mobile Online's payment system based on living things feature recognition according to claim 9, is characterized in that, described Mobile Online's payment system based on living things feature recognition also comprises registering unit, and described registering unit comprises:
Pre-stored collecting biological feature information unit, for obtaining biological information and the biological information getting being set as to pre-stored biological information; And
The unit that prestores, for being sent to described hair fastener unit by the pre-stored biological information of setting.
CN201310642621.5A 2013-12-03 2013-12-03 Mobile on-line payment method and system based on biometric features recognition CN103606084A (en)

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