CN103679453A - Payment system and payment method based on biometric authentication - Google Patents
Payment system and payment method based on biometric authentication Download PDFInfo
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- CN103679453A CN103679453A CN201310656654.5A CN201310656654A CN103679453A CN 103679453 A CN103679453 A CN 103679453A CN 201310656654 A CN201310656654 A CN 201310656654A CN 103679453 A CN103679453 A CN 103679453A
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- 238000000034 method Methods 0.000 title claims abstract description 23
- 238000000605 extraction Methods 0.000 claims abstract description 39
- 238000013475 authorization Methods 0.000 claims abstract description 20
- 238000004891 communication Methods 0.000 claims abstract description 9
- 238000012790 confirmation Methods 0.000 claims description 18
- 230000005540 biological transmission Effects 0.000 claims description 16
- 230000006870 function Effects 0.000 claims description 13
- 238000010586 diagram Methods 0.000 description 6
- 230000001815 facial effect Effects 0.000 description 2
- 230000006399 behavior Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 239000000284 extract Substances 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The invention discloses a payment system and a payment method based on biometric authentication. The payment system comprises a biometric characteristic extraction device, a mobile terminal and an authorization payment subsystem. The biometric characteristic extraction device is used for extracting the biometric information of a user and storing biometric characteristic information and the authorization payment information of a paid party, and the authorization payment information is sent to the mobile terminal after the biometric characteristic information is successfully authorized through the biometric characteristic extraction device. The mobile terminal is provided with a near field communication module and used for transmitting the biometric characteristic information and the authorization payment information to the biometric characteristic extraction device in a near field mode and achieving near field payment. The mobile terminal is further used for confirming the authorization payment subsystem. The authorization payment subsystem is used for matching payment information carried in a payment request and user information stored in the authorization payment subsystem when the payment request form the mobile terminal is received. The payment system and the payment method can dually guarantee the safety of user payment.
Description
Technical Field
The invention relates to the technical field of electronics, in particular to a payment system and a payment method based on biological authentication.
Background
In the prior art, a method for combining Near Field Communication (NFC) function with bank card authorization (such as a VISA, credit card or other debit card) to realize short-distance quick payment has gradually become a trend. NFC is used as a module of the mobile terminal and is combined with application in the mobile terminal, and payment can be completed instantly as long as a payment instruction is received. Because the NFC is only a communication medium and does not authenticate the payment behavior, anyone who can contact the mobile terminal can carry out quick payment, so that the fund of the bank card bound with the mobile terminal is in a dangerous situation, and the safety of the user using the bank card cannot be guaranteed.
Disclosure of Invention
In order to solve the problems in the prior art, embodiments of the present invention provide a payment system and a payment method based on biometric authentication. The technical scheme is as follows:
in one aspect, there is provided a biometric-authentication-based payment system including: the system comprises a biological feature extraction device, a mobile terminal and an authorized payment subsystem; wherein,
the biological characteristic extraction device is used for extracting biological information of a user, storing the biological characteristic information and storing authorized payment information of a paid party, and sending the authorized payment information to the mobile terminal after the biological characteristic extraction device passes the authentication of the biological characteristic information;
the mobile terminal is provided with a near field communication module and is used for transmitting the biological characteristic information and the authorized payment information with the biological characteristic extraction device in a near field and realizing near field payment; the mobile terminal is also used for confirming with the authorized payment subsystem so as to complete effective payment;
and the authorized payment subsystem is used for matching payment information carried in the payment request with the user information stored in the authorized payment subsystem to confirm and complete payment when receiving the payment request from the mobile terminal.
In another aspect, there is provided a biometric authentication-based payment method including:
extracting biological information of a user through a biological characteristic extraction device, storing the biological characteristic information and storing authorized payment information of a paid party, and sending the authorized payment information to a mobile terminal after the biological characteristic extraction device passes the authentication of the biological characteristic information;
the biological characteristic information and the authorized payment information are transmitted in a close range through a close range communication module arranged on the mobile terminal and the biological characteristic extraction device, and close range payment is realized;
confirming with the authorized payment subsystem through the mobile terminal to complete effective payment;
when a payment request from the mobile terminal is received, the payment authorization subsystem matches payment information carried in the payment request with user information stored in the payment authorization subsystem to confirm and complete payment.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
the authorized payment information is sent to the mobile terminal after the identity of the user is authenticated through the biological characteristic extraction device, and the authorized payment information of the user is not lost when the mobile terminal is stolen because the authorized payment information is not stored in the mobile terminal, so that the safety of the payment information of the user is ensured; the payment can be finished only after the authorized payment subsystem is connected with the authorized payment subsystem and confirms the authorized payment protocol, so that the payment safety of the user can be doubly guaranteed.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a biometric authentication-based payment system according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a biometric authentication-based payment system according to a second embodiment of the present invention;
fig. 3 is a schematic flow chart of a payment method based on biometric authentication according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of a biometric authentication-based payment method to which an embodiment of the present invention is applied.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
Example one
Fig. 1 is a schematic structural diagram of a biometric authentication-based payment system according to an embodiment of the present invention; referring to fig. 1, a payment system 100 based on biometric authentication provided in an embodiment of the present invention specifically includes: the system comprises a biological feature extraction device 11, a mobile terminal 12 and an authorized payment subsystem 13.
The biometric feature extraction device 11 is configured to extract biometric information of a user, store the fingerprint information and store authorized payment information of a payee, and send the authorized payment information to the mobile terminal 12 after the biometric feature extraction device 11 passes authentication of the biometric information; the mobile terminal 12 is provided with an NFC module 121, and the NFC module 121 and the biometric feature extraction device 11 transmit the biometric feature information and the authorized payment information in a close range, and implement close range payment; the mobile terminal 12 is also used for confirming with the authorized payment subsystem 13 to complete effective payment; when receiving a payment request from the mobile terminal 12, the authorized payment subsystem 13 matches the payment information carried in the payment request with the user information stored in the authorized payment subsystem to confirm and complete the payment.
In the payment system based on the biometric authentication provided by the embodiment of the invention, the authorized payment information is sent to the mobile terminal 12 after the identity of the user is authenticated by the biometric feature extraction device 11, and the authorized payment information of the user is not lost when the mobile terminal 12 is stolen because the mobile terminal 12 does not store the authorized payment information, so that the safety of the payment information of the user is ensured; the payment can be finished only after the authorized payment subsystem 13 confirms the authorized payment protocol through the connection with the authorized payment subsystem 13, so that the safety of the user payment is doubly guaranteed.
Example two
Fig. 2 is a schematic structural diagram of a biometric authentication-based payment system according to a second embodiment of the present invention; referring to fig. 2, a payment system 200 based on biometric authentication provided in the embodiment of the present invention specifically includes: fingerprint sensing device 21, mobile terminal 22, authorization payment subsystem 23.
The fingerprint sensing device 21 is configured to extract biometric information of a user, store the fingerprint information and store authorized payment information of a payee, and send the authorized payment information to the mobile terminal 22 after the fingerprint sensing device 21 passes authentication of the fingerprint information; the mobile terminal 22 is provided with an NFC module 221, and the NFC module 121 and the fingerprint sensing device 21 transmit the fingerprint information and the authorized payment information in a close range, so as to realize close range payment; the mobile terminal 22 is also used for confirming with the authorized payment subsystem 23 to complete valid payment; when receiving a payment request from the mobile terminal 22, the authorized payment subsystem 23 matches the payment information carried in the payment request with the user information stored in the authorized payment subsystem to confirm and complete the payment.
Further, the fingerprint sensing device 21 further includes: fingerprint sensor 211, fingerprint memory 212, payment information storage module 213, fingerprint authentication server 214, and authorized payment information transmission module 215. The fingerprint sensor 211 is used for scanning fingerprint information of a user; the fingerprint memory 212 is used for registering and storing the fingerprint information of the user extracted by the fingerprint sensor 211; the payment information storage module 213 is used for storing authorized payment information of the user; the fingerprint authentication server 214 is configured to authenticate the fingerprint information extracted by the fingerprint sensor 211 with fingerprint information of an authorized user registered and stored in the fingerprint memory 212, so as to confirm that the fingerprint information extracted by the fingerprint sensor 211 is the fingerprint information of the authorized user; the authorized payment information sending module 215 is configured to send the authorized payment information to the mobile terminal 22 when the fingerprint authentication server 214 confirms that the fingerprint information is an authorized user.
Further, the mobile terminal 22 includes:
the data transmission interface 221 of the subscriber identity module is configured to implement a data transmission function of the mobile terminal, so as to perform data transmission with the authorized payment subsystem 23, thereby obtaining confirmation of the authorized payment subsystem 23; and/or the network interface 222 of the wireless fidelity network is used to implement the network connectivity functionality of the mobile terminal 23 to connect 23 with the authorized payment subsystem to obtain confirmation of the authorized payment subsystem 23.
It is understood by those skilled in the art that the embodiment of the present invention is only exemplified by the biometric feature extraction device, specifically, the fingerprint sensing device 21, and the biometric feature extraction device may also be a high-resolution image sensing device, and the image sensing device extracts facial features of the user, iris information of the user, or capillaries, and authenticates the identity of the user through the facial features, iris information of the user, or capillaries.
In the payment system based on the biometric authentication provided by the embodiment of the invention, the authorized payment information is sent to the mobile terminal 22 after the identity of the user is authenticated by the fingerprint sensing device 21, and the authorized payment information of the user is not lost when the mobile terminal 22 is stolen because the mobile terminal 22 does not store the authorized payment information; the payment can be finished only after the authorized payment subsystem 23 confirms the authorized payment protocol through the connection with the authorized payment subsystem 23, so that the safety of the user payment is doubly guaranteed.
Further, in the first and second embodiments, the authorized payment subsystem is further configured to register the biometric extraction device with corresponding information of the mobile terminal, so as to ensure that the user makes a secure payment.
Further, in the first and second embodiments, when the authorized payment subsystem fails to pass the matching, the authorized payment subsystem generates a prompt message and sends the prompt message to the mobile terminal bound to the mobile terminal, so that the mobile terminal bound to the mobile terminal knows that the authorized information is stolen.
EXAMPLE III
Fig. 3 is a schematic flow chart of a payment method based on biometric authentication according to a third embodiment of the present invention; the embodiment of the present invention may be implemented by the biometric authentication-based payment systems of the first embodiment and the second embodiment, and referring to fig. 3, the information display control method in the embodiment of the present invention specifically includes the following steps:
According to the payment method based on the biological authentication, the authorized payment information is sent to the mobile terminal after the identity of the user is authenticated through the biological feature extraction device, and the authorized payment information is not stored in the mobile terminal, so that the authorized payment information of the user is not lost when the mobile terminal is stolen, and the safety of the payment information of the user is ensured; the payment can be finished only after the authorized payment subsystem is connected with the authorized payment subsystem and confirms the authorized payment protocol, so that the safety of user payment is doubly guaranteed.
Further, in the third embodiment, when the biometric extraction device is a fingerprint sensing device, step 301 may include:
scanning fingerprint information of a user through a fingerprint sensor;
registering and storing the fingerprint information of the user extracted by the fingerprint sensor through a fingerprint memory;
storing the authorized payment information of the user through a payment information storage module;
the fingerprint information extracted by the fingerprint sensor and the fingerprint information of the authorized user registered and stored in the fingerprint memory are authenticated by a fingerprint authentication server so as to confirm that the fingerprint information extracted by the fingerprint sensor is the fingerprint information of the authorized user;
and when the fingerprint authentication server confirms that the fingerprint information is an authorized user, the authorized payment information is sent to the mobile terminal through an authorized payment information sending module.
Further, in the third embodiment, step 303 may specifically include:
the data transmission function of the mobile terminal is realized through a data transmission interface of a customer identification module arranged on the mobile terminal, so that data transmission is carried out between the mobile terminal and the authorized payment subsystem, and the confirmation of the authorized payment subsystem is obtained; and/or the presence of a gas in the gas,
and realizing the network connection function of the mobile terminal through a network interface of a wireless fidelity network arranged on the mobile terminal so as to be connected with the authorized payment subsystem, thereby obtaining the confirmation of the authorized payment subsystem.
Further, in the third embodiment, the payment method may further include:
and the authorized payment subsystem also registers the corresponding information of the biological characteristic extraction device and the mobile terminal so as to ensure that the user carries out safe payment.
Further, in the third embodiment, the payment method may further include:
and when the authorized payment subsystem fails to pass the matching, the authorized payment subsystem generates prompt information and sends the prompt information to the mobile terminal bound with the mobile terminal, so that the mobile terminal bound with the mobile terminal can know that the authorized information is stolen.
Example four
Fig. 4 is a schematic structural diagram of a biometric authentication-based payment method to which an embodiment of the present invention is applied; the embodiment of the invention takes an authorized payment subsystem, in particular a bank authorized payment confirmation system, and a biological extraction device, in particular a fingerprint sensing device as an example for illustration. Referring to fig. 4, the embodiment of the present invention specifically includes: fingerprint sensing device 41, mobile terminal 42, bank authorization payment confirmation system 43.
The fingerprint sensing device 41 may specifically be the fingerprint sensing device shown in the second embodiment, and the fingerprint sensing device 41 includes a memory for storing fingerprint information of a user and payment information of a related bank card similar to contents of an account number, an authorization protocol, and the like.
The mobile terminal 42 is provided with an NFC module 421, which can perform near field data transmission; the mobile terminal is also provided with an SIM card and/or a Wifi or other network access functions, and can realize communication confirmation with the bank authorization payment confirmation system 43 by using the data transmission/Wifi network connection function of the SIM card so as to complete effective payment.
The bank authorized payment confirmation system 43 completes the payment function through matching confirmation when receiving the payment request of the authorized agreement sent by the mobile terminal 42 for confirming the identity of the user.
Specifically, when the user needs to realize fast and secure payment in a near field by using NFC, the user only needs to connect the fingerprint sensing device 41, scan a fingerprint to authenticate the legal identity of the user, acquire the bank card information in the fingerprint sensing device 41 and acquire payment information such as a valid authorization protocol, and then connect the bank card information and the payment information with the bank authorization payment confirmation system 43 through the data transmission function or the network connection function of the mobile terminal 42, so as to obtain the confirmation of the bank authorization payment confirmation system 43, thereby completing payment.
In addition, the user needs to register the fingerprint sensing device 41, the mobile terminal 42 and related information, so as to ensure the payment is safe.
By utilizing the embodiment of the invention, firstly, the identity of the user is an authorization protocol which can not obtain the information of the bank card and the information allowed by the bank and is stored in the fingerprint sensing device after being authenticated, but the mobile terminal 42 does not store the information, once the fingerprint sensing device 41 is disconnected with the mobile terminal 42, the matching or the corresponding information can not be obtained, so that the domination can not be completed; secondly, the payment is completed by the authorized payment protocol confirmed by the bank in connection with the bank authorized payment confirmation system 43, thereby realizing double guarantee of the security of the user payment.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.
Claims (10)
1. A biometric authentication-based payment system, the payment system comprising: the system comprises a biological feature extraction device, a mobile terminal and an authorized payment subsystem; wherein,
the biological characteristic extraction device is used for extracting biological characteristic information of a user, storing the biological characteristic information and storing authorized payment information of a paid party, and sending the authorized payment information to the mobile terminal after the biological characteristic extraction device passes the authentication of the biological characteristic information;
the mobile terminal is provided with a near field communication module and is used for transmitting the biological characteristic information and the authorized payment information with the biological characteristic extraction device in a near field and realizing near field payment; the mobile terminal is also used for confirming with the authorized payment subsystem so as to complete effective payment;
and the authorized payment subsystem is used for matching payment information carried in the payment request with the user information stored in the authorized payment subsystem to confirm and complete payment when receiving the payment request from the mobile terminal.
2. A payment system as recited in claim 1, wherein the biometric extraction device is a fingerprint sensing device, the fingerprint sensing device further comprising:
the fingerprint sensor is used for scanning fingerprint information of a user;
the fingerprint memory is used for registering and storing the fingerprint information of the user extracted by the fingerprint sensor;
the payment information storage module is used for storing the authorized payment information of the user;
the fingerprint authentication server is used for authenticating the fingerprint information extracted by the fingerprint sensor and the fingerprint information of the authorized user registered and stored in the fingerprint memory so as to confirm that the fingerprint information extracted by the fingerprint sensor is the fingerprint information of the authorized user;
and the authorized payment information sending module is used for sending the authorized payment information to the mobile terminal when the fingerprint authentication server confirms that the fingerprint information is an authorized user.
3. The payment system of claim 1, wherein the mobile terminal comprises:
the data transmission interface of the client identification module is used for realizing the data transmission function of the mobile terminal so as to carry out data transmission with the authorized payment subsystem, thereby obtaining the confirmation of the authorized payment subsystem; and/or the presence of a gas in the gas,
and the network interface of the wireless fidelity network is used for realizing the network connection function of the mobile terminal so as to be connected with the authorized payment subsystem, thereby obtaining the confirmation of the authorized payment subsystem.
4. The payment system of claim 1,
the authorized payment subsystem is also used for registering the biological characteristic extraction device with corresponding information of the mobile terminal so as to ensure that the user can carry out safe payment.
5. Payment system according to any one of claims 1 to 4,
and when the authorized payment subsystem fails to pass the matching, the authorized payment subsystem generates prompt information and sends the prompt information to the mobile terminal bound with the mobile terminal, so that the mobile terminal bound with the mobile terminal can know that the authorized information is stolen.
6. A payment method based on biometric authentication, the payment method comprising:
extracting biological characteristic information of a user through a biological characteristic extraction device, storing the biological characteristic information and storing authorized payment information of a paid party, and sending the authorized payment information to a mobile terminal after the biological characteristic extraction device passes the authentication of the biological characteristic information;
the biological characteristic information and the authorized payment information are transmitted in a close range through a close range communication module arranged on the mobile terminal and the biological characteristic extraction device, and close range payment is realized;
confirming with the authorized payment subsystem through the mobile terminal to complete effective payment;
when a payment request from the mobile terminal is received, the payment authorization subsystem matches payment information carried in the payment request with user information stored in the payment authorization subsystem to confirm and complete payment.
7. The payment method as claimed in claim 6, wherein the biometric extraction device is a fingerprint sensing device, and the steps of extracting the biometric information of the user by the biometric extraction device, storing the biometric information and storing the authorized payment information of the payee comprise:
scanning fingerprint information of a user through a fingerprint sensor;
registering and storing the fingerprint information of the user extracted by the fingerprint sensor through a fingerprint memory;
storing the authorized payment information of the user through a payment information storage module;
the fingerprint information extracted by the fingerprint sensor and the fingerprint information of the authorized user registered and stored in the fingerprint memory are authenticated by a fingerprint authentication server so as to confirm that the fingerprint information extracted by the fingerprint sensor is the fingerprint information of the authorized user;
and when the fingerprint authentication server confirms that the fingerprint information is an authorized user, the authorized payment information is sent to the mobile terminal through an authorized payment information sending module.
8. Payment method according to claim 6, wherein said step of validating with said authorized payment subsystem through said mobile terminal comprises:
the data transmission function of the mobile terminal is realized through a data transmission interface of a customer identification module arranged on the mobile terminal, so as to carry out data transmission with the authorized payment subsystem, and the confirmation of the authorized payment subsystem is obtained; and/or the presence of a gas in the gas,
and realizing the network connection function of the mobile terminal through a network interface of a wireless fidelity network arranged on the mobile terminal so as to be connected with the authorized payment subsystem, thereby obtaining the confirmation of the authorized payment subsystem.
9. The payment method of claim 6, further comprising:
and the authorized payment subsystem also registers the corresponding information of the biological characteristic extraction device and the mobile terminal so as to ensure that the user carries out safe payment.
10. A payment method as claimed in any one of claims 6 to 9, wherein the payment method further comprises:
and when the authorized payment subsystem fails to pass the matching, the authorized payment subsystem generates prompt information and sends the prompt information to the mobile terminal bound with the mobile terminal, so that the mobile terminal bound with the mobile terminal can know that the authorized information is stolen.
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| CN201310656654.5A CN103679453A (en) | 2013-12-06 | 2013-12-06 | Payment system and payment method based on biometric authentication |
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