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

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

Mobile online payment method and system based on biometric

FIELD

[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.

Background technique

[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. Security problems are not an effective solution or neglected to pay will directly affect the development of the whole industry.

[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.

SUMMARY

[0004] To solve the above problems, an aspect of the present invention is that:

[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] Another aspect of the present invention is that:

[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] 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.

BRIEF DESCRIPTION

[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] 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] FIG. 4 is a flowchart of the implementation of the mobile online payment method biometrics in an embodiment of the present invention based;

[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] Main reference numerals DESCRIPTION

[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.

Detailed ways

[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] 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. 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] Please refer to FIG. 1, it is a system block diagram of a mobile online payment system based on biometric of the present invention. 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] 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] 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. 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] 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. 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] 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. The database pre-stored biometric information in 23 standard biometric information into the financial services trading system when the user registration.

[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. 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. 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. 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] 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. 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] 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. 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. 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] 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. 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). 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] 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. The mobile online payment method based on biometrics includes the following steps:

[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] 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] 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. 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] 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] 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] 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. In the second embodiment, the pre-stored biometric information stored in the smartcard, the step further comprising the step S2 front:

[0034] step S11, and when receiving the payment request, the payment terminal determines whether a smart card is inserted;

[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] 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] 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] In the second embodiment, after the step S12 further comprises the step of:

[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] 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] 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. 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). 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] 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] 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)

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.

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.

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.

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. 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.

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.

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.

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.

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.

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.