CN103810598A - Payment system and payment method based on terminal device - Google Patents

Payment system and payment method based on terminal device Download PDF

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Publication number
CN103810598A
CN103810598A CN201410049402.0A CN201410049402A CN103810598A CN 103810598 A CN103810598 A CN 103810598A CN 201410049402 A CN201410049402 A CN 201410049402A CN 103810598 A CN103810598 A CN 103810598A
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CN
China
Prior art keywords
terminal
bank
payment
user
payment system
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201410049402.0A
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Chinese (zh)
Inventor
王国芳
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Golden Vast Macao Commercial Offshore Ltd
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Golden Vast Macao Commercial Offshore Ltd
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Publication date
Application filed by Golden Vast Macao Commercial Offshore Ltd filed Critical Golden Vast Macao Commercial Offshore Ltd
Priority to CN201410049402.0A priority Critical patent/CN103810598A/en
Publication of CN103810598A publication Critical patent/CN103810598A/en
Pending legal-status Critical Current

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Classifications

    • 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 transactions
    • G06Q20/40145Biometric identity checks

Abstract

The invention discloses a payment system and a payment method based on a terminal device. The payment system comprises a first terminal, a second terminal and a bank payment system, the first terminal is provided with a biological characteristic authentication device and triggers the biological characteristic authentication device to extract biological information of a first user when the first user of the first terminal opens an electronic payment application installed on the first terminal, so that the first user is authenticated, the first terminal transmits a payment limit to the second terminal after passing fingerprint authentication, a first bank card account number is transmitted to the bank payment system, the second terminal sends a money transferring request message to the bank payment system according to the payment limit, and the bank payment system transfers a fund of the payment limit to a second bank card account number of a second user from the first bank card account number according to the first bank card account number and the money transferring request message. Funds of the users cannot be maliciously transferred, and security of the funds of the users in the electronic payment process is improved.

Description

Payment system based on terminal device and method of payment
Technical field
The present invention relates to electronic technology field, particularly a kind of payment system and method for payment based on terminal device.
Background technology
The electronic payment mode of prior art, fills in its account No. and the corresponding amount that pays by validated user, and carries out electronic affirmation by mobile phone terminal at the webpage of e-Bank payment, can complete E-Payment.Although this kind of electronic payment mode is very quick, if other people know user's account No. and hold user's mobile phone terminal, likely exist by other people and usurp payment, thereby bring economic loss to validated user.
Summary of the invention
In order to solve the problem of prior art, the embodiment of the present invention provides a kind of payment system and method for payment based on terminal device.Described technical scheme is as follows:
On the one hand, provide a kind of payment system based on terminal device, should the payment system based on terminal device comprise: first terminal, the second terminal, bank payment system;
Described first terminal, be provided with biometric authentication apparatus, when E-Payment application in the first user opening installation of described first terminal on described first terminal, described first terminal triggers described biometric authentication apparatus and extracts the biological information of described first user, so that described first user is authenticated;
After described authentication is passed through, described payment amount is sent to described the second terminal by described first terminal, and described Bank One Corp. card account number is sent to described bank payment system;
Described the second terminal sends to described bank payment system the request message of remitting money according to described payment amount;
Described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described the second user's secondary bank card account number, and return to described first terminal the notification message of remitting money.
On the other hand, provide a kind of method of payment based on terminal device, should the method for payment based on terminal device comprise:
When E-Payment application in the first user opening installation of first terminal on described first terminal, described first terminal triggers the biometric authentication apparatus being arranged on described first terminal and extracts the biological information of described first user, so that described first user is authenticated;
After described authentication is passed through, described payment amount is sent to the second terminal by described first terminal, and described Bank One Corp. card account number is sent to bank payment system;
Described the second terminal sends to described bank payment system the request message of remitting money according to described payment amount;
Described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described the second user's secondary bank card account number, and return to described first terminal the notification message of remitting money.
The beneficial effect that the technical scheme that the embodiment of the present invention provides is brought is:
Trigger the biological information of biometric authentication apparatus extraction first user by first terminal, so that first user is authenticated, completed by user thereby guarantee to pay by mails; And the second terminal sends to bank payment system the request message of remitting money according to paying amount, the second user of the second terminal can not be remitted money to bank payment system without authorization, avoid the fund of first user to be drawn by malice, improved the security of first user in electronic payment process.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing of required use during embodiment is described is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the structural representation of a kind of payment system based on terminal device of providing of the embodiment of the present invention one;
Fig. 2 is the schematic flow sheet of a kind of method of payment based on terminal device of providing of the embodiment of the present invention two;
Fig. 3 is the schematic flow sheet of a kind of method of payment based on terminal device of providing of the embodiment of the present invention three.
Embodiment
For making the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing, embodiment of the present invention is described further in detail.
Embodiment mono-
Fig. 1 is the structural representation of a kind of payment system based on terminal device of providing of the embodiment of the present invention one; Referring to Fig. 1, the payment system based on terminal device 100 that the embodiment of the present invention provides specifically comprises: first terminal 11, the second terminal 12, bank payment system 13; Wherein, first terminal 11 arranges biometric authentication apparatus 14.
Wherein, when E-Payment application in the first user opening installation of first terminal 11 on first terminal 11, first terminal 11 triggers biometric authentication apparatus 14 and extracts the biological information of described first user, so that described first user is authenticated; After described finger print identifying passes through, described payment amount is sent to the second terminal 12 by first terminal 11, and described Bank One Corp. card account number is sent to bank payment system 13; The second terminal 12 sends to bank payment system 13 request message of remitting money according to described payment amount; Bank payment system 13 according to described Bank One Corp. card accounts and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described the second user's secondary bank card account number, and return to first terminal 11 notification message of remitting money.
The payment system based on terminal device that the embodiment of the present invention provides, is triggered biometric authentication apparatus 14 and is extracted the biological information of first user by first terminal 11, so that first user is authenticated, completed by user thereby guarantee to pay by mails; And the second terminal 12 sends to bank payment system 13 request message of remitting money according to paying amount, the second user of the second terminal can not be remitted money to bank payment system without authorization, avoid the fund of first user to be drawn by malice, improved the security of first user in electronic payment process.
Further, in above-described embodiment one, first terminal 11 and the second terminal 12 are by wired connection or wireless connections; If wireless connections, described wireless connections are any in ripple link, WIFI, BT, NFC.
Further, in above-described embodiment one, the second terminal 12 comprises camera head 15; After described authentication is passed through, first terminal 11 is to the second terminal 12 payment request message and pay amount, and camera head 15 is according to the described Bank One Corp. card account number on the bank card of first user described in described payment request message collection.Further, the camera head 15 in the embodiment of the present invention is specifically as follows the high-resolution camera being arranged in the second terminal 12.
Further, in above-described embodiment one, the second terminal 12 is to first terminal 11 Sending Payments acknowledge messages; Receiving the message of described payment amount being confirmed from first user, described in the second terminal 12 sends to bank payment system 13, remit money request message, described Bank One Corp. card account number, described payment amount; Bank payment system 13 according to described Bank One Corp. card accounts and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described secondary bank card account number, and return to first terminal 11 notification message of remitting money.
Further, in above-described embodiment one, if when in described Bank One Corp. account number, Sorry, your ticket has not enough value, bank payment system 13 sends to first terminal 11 reminder message that Sorry, your ticket has not enough value, to point out described first user to change account No. to complete transaction.
It will be understood by those skilled in the art that, biometric authentication apparatus 14 in the embodiment of the present invention is specifically as follows fingerprint certification device, biometric authentication apparatus 14 can also be high-resolution image sensing device, extract user's facial characteristics, user's iris information or capillary by image sensing device, by facial characteristics, user's iris information or capillary, user is carried out to authentication.In addition, those skilled in the art will also be appreciated that high resolving power in the present embodiment refers to and can recognize clearly the card number on bank's card.
Embodiment bis-
Fig. 2 is the schematic flow sheet of a kind of method of payment based on terminal device of providing of the embodiment of the present invention two; The embodiment of the present invention can realize by the payment system based on terminal device in embodiment mono-, and referring to Fig. 2, the method for payment in the embodiment of the present invention specifically comprises the steps:
When step 201, E-Payment application in the first user opening installation of first terminal on described first terminal, described first terminal triggers the biometric authentication apparatus being arranged on described first terminal and extracts the biological information of described first user, so that described first user is authenticated.
Step 202, after described authentication is passed through, described payment amount is sent to the second terminal by described first terminal, and described Bank One Corp. card account number is sent to bank payment system.
Step 203, described the second terminal send to described bank payment system the request message of remitting money according to described payment amount.
Step 204, described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described the second user's secondary bank card account number, and return to described first terminal the notification message of remitting money.
The method of payment based on terminal device that the embodiment of the present invention provides, triggers biometric authentication apparatus by first terminal and extracts the biological information of first user, so that first user is authenticated, is completed by user thereby guarantee to pay by mails; And the second terminal sends to bank payment system the request message of remitting money according to paying amount, the second user of the second terminal can not be remitted money to bank payment system without authorization, avoid the fund of first user to be drawn by malice, improved the security of first user in electronic payment process.
Embodiment tri-
Fig. 3 is the schematic flow sheet of a kind of method of payment based on terminal device of providing of the embodiment of the present invention three; The embodiment of the present invention can realize by the payment system based on terminal device in embodiment mono-, and referring to Fig. 3, the method for payment in the embodiment of the present invention specifically comprises the steps:
When step 301, E-Payment application in the first user opening installation of first terminal on described first terminal, described first terminal triggers the biometric authentication apparatus being arranged on described first terminal and extracts the biological information of described first user, so that described first user is authenticated.
Step 302, after described authentication is passed through, described first terminal is to described the second terminal payment request message and pay amount, is arranged on camera head in described the second terminal according to the described Bank One Corp. card account number on the bank card of first user described in described payment request message collection.
Step 303, described the second terminal are to described first terminal Sending Payments acknowledge message;
Step 304, receiving the message of described payment amount being confirmed from described first user, described in described the second terminal sends to described bank payment system, remit money request message, described Bank One Corp. card account number, described payment amount.
Step 305, described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described secondary bank card account number, and return to described first terminal the notification message of remitting money.
The method of payment based on terminal device that the embodiment of the present invention provides, triggers biometric authentication apparatus by first terminal and extracts the biological information of first user, so that first user is authenticated, is completed by user thereby guarantee to pay by mails; By the described Bank One Corp. card account number on the bank card of first user described in the described payment request message collection of camera head foundation in the second terminal, the second user of the second terminal can not be remitted money to bank payment system without authorization, avoid the fund of first user to be drawn by malice, improved the security of first user in electronic payment process.
Further, in above-described embodiment two and embodiment tri-, between described first terminal and described the second terminal, carry out data communication by wired or wireless mode; If radio communication, described radio communication is any in ripple link, WIFI, BT, NFC.
Further, in above-described embodiment two and embodiment tri-, the electric paying method based on biological identification also comprises:
If when in described Bank One Corp. account number, Sorry, your ticket has not enough value, described bank payment system sends to described first terminal the reminder message that Sorry, your ticket has not enough value, completes transaction to point out described first user to change account No..
Further, to select be also by the electronic payment mode of tri-kinds of embodiment by the modes of payments in embodiment bis-to the respective selection of first user in can the E-Payment application by first terminal.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
One of ordinary skill in the art will appreciate that all or part of step that realizes above-described embodiment can complete by hardware, also can carry out the hardware that instruction is relevant by program completes, described program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.

Claims (10)

1. the payment system based on terminal device, is characterized in that, the described payment system based on terminal device comprises: first terminal, the second terminal, bank payment system;
Described first terminal, be provided with biometric authentication apparatus, when E-Payment application in the first user opening installation of described first terminal on described first terminal, described first terminal triggers described biometric authentication apparatus and extracts the biological information of described first user, so that described first user is authenticated;
After described finger print identifying passes through, described payment amount is sent to described the second terminal by described first terminal, and described Bank One Corp. card account number is sent to described bank payment system;
Described the second terminal sends to described bank payment system the request message of remitting money according to described payment amount;
Described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described the second user's secondary bank card account number, and return to described first terminal the notification message of remitting money.
2. the payment system based on terminal device according to claim 1, is characterized in that,
Described first terminal and described the second terminal are by wired connection or wireless connections; If wireless connections, described wireless connections are any in ripple link, WIFI, BT, NFC.
3. the payment system based on terminal device according to claim 1, is characterized in that, described the second terminal comprises camera head;
After described authentication is passed through, described first terminal is to described the second terminal payment request message and pay amount, and described camera head is according to the described Bank One Corp. card account number on the bank card of first user described in described payment request message collection.
4. the payment system based on terminal device according to claim 3, is characterized in that,
Described the second terminal is to described first terminal Sending Payments acknowledge message;
Receiving the message of described payment amount being confirmed from described first user, described in described the second terminal sends to described bank payment system, remit money request message, described Bank One Corp. card account number, described payment amount;
Described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described secondary bank card account number, and return to described first terminal the notification message of remitting money.
5. according to the arbitrary described payment system based on terminal device of claim 1~4, it is characterized in that, if when in described Bank One Corp. account number, Sorry, your ticket has not enough value, described bank payment system sends to described first terminal the reminder message that Sorry, your ticket has not enough value, to point out described first user to change account No. to complete transaction.
6. the method for payment based on terminal device, is characterized in that, the described method of payment based on terminal device comprises:
When E-Payment application in the first user opening installation of first terminal on described first terminal, described first terminal triggers the biometric authentication apparatus being arranged on described first terminal and extracts the biological information of described first user, so that described first user is authenticated;
After described authentication is passed through, described payment amount is sent to the second terminal by described first terminal, and described Bank One Corp. card account number is sent to bank payment system;
Described the second terminal sends to described bank payment system the request message of remitting money according to described payment amount;
Described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described the second user's secondary bank card account number, and return to described first terminal the notification message of remitting money.
7. the payment system based on terminal device according to claim 6, is characterized in that,
Between described first terminal and described the second terminal, carry out data communication by wired or wireless mode; If radio communication, described radio communication is any in ripple link, WIFI, BT, NFC.
8. the method for payment based on terminal device according to claim 1, is characterized in that, the described method of payment based on terminal device also comprises:
After described authentication is passed through, described first terminal is to described the second terminal payment request message and pay amount, is arranged on camera head in described the second terminal according to the described Bank One Corp. card account number on the bank card of first user described in described payment request message collection.
9. the method for payment based on terminal device according to claim 8, is characterized in that, the described method of payment based on terminal device also comprises:
Described the second terminal is to described first terminal Sending Payments acknowledge message;
Receiving the message of described payment amount being confirmed from described first user, described the second terminal is to remit money described in sending to described bank payment system request message, described Bank One Corp. card account number, described payment amount;
Described bank payment system according to described Bank One Corp. card account and described in the request message of remitting money described Bank One Corp. card account, the fund of described payment amount is forwarded in described secondary bank card account number, and return to described first terminal the notification message of remitting money.
10. according to the arbitrary described method of payment based on terminal device of claim 6~9, it is characterized in that, the described method of payment based on terminal device also comprises:
If when in described Bank One Corp. account number, Sorry, your ticket has not enough value, described bank payment system sends to described first terminal the reminder message that Sorry, your ticket has not enough value, completes transaction to point out described first user to change account No..
CN201410049402.0A 2014-02-12 2014-02-12 Payment system and payment method based on terminal device Pending CN103810598A (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104572135A (en) * 2015-02-10 2015-04-29 深圳酷派技术有限公司 Command processing method, command processing device and terminal
WO2017016038A1 (en) * 2015-07-28 2017-02-02 宇龙计算机通信科技(深圳)有限公司 Payment method, payment apparatus, terminal and payment system
CN109714357A (en) * 2019-01-14 2019-05-03 上海掌门科技有限公司 Method and apparatus for distributing resource
CN111932248A (en) * 2020-09-27 2020-11-13 支付宝(杭州)信息技术有限公司 Method and system for payment based on wireless communication and biological characteristics
CN112950219A (en) * 2021-03-09 2021-06-11 支付宝(杭州)信息技术有限公司 Payment processing method and system

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101576982A (en) * 2009-03-19 2009-11-11 宇龙计算机通信科技(深圳)有限公司 Method, terminal and system for network payment

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101576982A (en) * 2009-03-19 2009-11-11 宇龙计算机通信科技(深圳)有限公司 Method, terminal and system for network payment

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104572135A (en) * 2015-02-10 2015-04-29 深圳酷派技术有限公司 Command processing method, command processing device and terminal
CN104572135B (en) * 2015-02-10 2018-04-10 深圳酷派技术有限公司 Processing method, the processing unit and terminal of instruction of instruction
WO2017016038A1 (en) * 2015-07-28 2017-02-02 宇龙计算机通信科技(深圳)有限公司 Payment method, payment apparatus, terminal and payment system
CN109714357A (en) * 2019-01-14 2019-05-03 上海掌门科技有限公司 Method and apparatus for distributing resource
CN111932248A (en) * 2020-09-27 2020-11-13 支付宝(杭州)信息技术有限公司 Method and system for payment based on wireless communication and biological characteristics
CN112950219A (en) * 2021-03-09 2021-06-11 支付宝(杭州)信息技术有限公司 Payment processing method and system

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