CN103955823A - High-security portable collection and payment method - Google Patents
High-security portable collection and payment method Download PDFInfo
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- CN103955823A CN103955823A CN201410203185.6A CN201410203185A CN103955823A CN 103955823 A CN103955823 A CN 103955823A CN 201410203185 A CN201410203185 A CN 201410203185A CN 103955823 A CN103955823 A CN 103955823A
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
Abstract
The invention discloses a high-security portable collection and payment device which comprises a storage module, a payment information reading and collection information setting module, a terminal user identity recognition module, a communication module, an input-output module and a microcontroller. Meanwhile, the invention discloses a high-security portable collection and payment method used for the high-security portable collection and payment device. The method includes the steps of a setting action, a collection action and a payment action. When the device is wearable, the method can also include the step of a wearing verification action. The device and method conduct user identity presetting through a biosensor, when the device and method are used, identity verification and recognition are conducted through the biosensor, the step that information such as a password is input manually for login verification is omitted, a plurality of operations in the collection and payment processes are also greatly reduced, rapid and secure nearby electronic collection and payment are achieved conveniently, the security, the confidentiality and the usability are greatly improved, and the applicable crowd range is widened. Meanwhile, the device can be a wearable article such as a watch, a bracelet, a ring and the like in appearance, and the device can also be arranged in a wearable accessory and is convenient to use and fashionable.
Description
Technical field
The present invention relates to gathering and paying method and device, be specifically related to a kind of Portable pocket bank settlement electronic installation, and the gathering and paying method that is applicable to bank settlement electronic installation.
Background technology
Along with scientific and technological high speed development and continuous renewal, people's the finance mode of transferring accounts develops into Web bank, note bank, Mobile banking from traditional bank's cabinet face, ATM in bank.People buy commodity also from traditional paper money transaction, the mode that past paper money transaction and electronic transaction combine changes, Unionpay's POS machine very familiar in life is exactly good application example, it has improved the clearing speed of the customer consumption amount of money greatly, the queue waiting time that shortens client's checkout, clearing of account mode brings great convenience to people; Simultaneously internet retailer and shopping online pay develops popularization rapidly, be integrated in arising at the historic moment as portable modes of payments such as micro-letter payment, Alipay wallets on smart mobile phone, is changing rapidly especially people's consumption pattern.
Yet this application and multistep of requiring user must be familiar with network finance or intelligent terminal operate, especially to not using the very inconvenience of person in middle and old age customer group of Web bank and intelligent machine.Aspect the nearly payment of neck, occurred being conventionally referred to as the portable set of stored value card or Electronic Wallet in industry at present, for reducing in current transaction, used frequently bank note, improved convenience.But it needs user to input by hand the information such as password to login or verify have very large shortcoming in security, confidentiality, ease for use.
Summary of the invention
Goal of the invention: in order to overcome the deficiencies in the prior art, the invention provides the portable bank settlement device of a kind of high security, and the portable gathering and paying method of high security that is applicable to this device.
Technical scheme: for solving the problems of the technologies described above, the portable bank settlement device of high security provided by the invention, comprising:
Memory module, selects for the financial payment mode of bank settlement, the financial payment accounts information containing account name and password corresponding to described financial payment mode for storing user's original identity information, confession user;
Payment information reads with gathering information module is set, the payment information containing price and finance account of presetting for reading article during payment; During gathering for according to user, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Terminal user ID identification module, for read the original identity information of user by biology sensor, and is stored in described memory module; For read the instant identity information of user by biology sensor, the original identity information comparison of user with default in memory module, completes identification and verification simultaneously;
Communication module, for mutual with financial payment platform, computing machine, mobile phone, other electronic payment devices end messages;
Input/output module, comprises keyboard, electronic curtain, for man-machine interaction;
Microcontroller, for controlling, payment information reads and gathering information arranges the information interaction between module, terminal user ID identification module, memory module, communication module, input/output module.
As preferably, in described terminal user ID identification module, for reading the biology sensor of the original identity information of user and the instant identity information of user, be one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
As preferably, described payment information reads with gathering information module is set, comprise built-in NFC module, while being used for paying the bill, by NFC near-field communication, read the described default payment information of article, during gathering, according to described gathering Information generation NFC electronics gathering label, for paying party, by NFC near-field communication, read described gathering label information.
As preferably, described payment information reads with gathering information module is set, and comprises built-in barcode scanning module, reads the described default payment information of article when paying the bill by scanning bar code or Quick Response Code; Bar code and two-dimensional code generation module, according to described gathering Information generation bar code or Quick Response Code gathering label, read gathering label information for paying party by scanning bar code or Quick Response Code when collecting money.
Above-mentioned communication module, at least comprises built-in WiFi module.As preferably, also can comprise one or more of built-in 3G module, bluetooth, USB.
As preferably, the financial payment mode of selecting for user of storing in described memory module is more than one bank and/or more than one third party paying centre.
As preferably, the keyboard in described input/output module is soft keyboard or hard manual.
Preferably, the small size OLED screen that the electronic curtain in described input/output module is low-power consumption, can certainly be LED screen, LCD screen etc.
As preferably, this device profile can be wearable pattern, as wrist watch shape, bracelet shape etc.; Also can directly be built in the accessories such as wearable wrist-watch, bracelet, bangle, ring; Also can be the small and exquisite portable shapes such as wallet, lighter.
As preferably, this device profile is the small and exquisite portable shapes such as wallet, lighter, cosmetic container, lipstick.
Preferred as another kind, this device is wearable bank settlement device, and its profile is the wearable patterns such as wrist watch shape or bracelet shape or ring shape, also can be built in the accessories such as watch, bracelet, bangle, ring.
As a further improvement on the present invention, when this device is wearable bank settlement device, can also comprise wearing induction module.Preferably, this wearing induction module comprises temperature sensor or pressure transducer, by warming or pressure sensitivity, judges whether this device is wearing state.Preferably, this wearing induction module comprises buckle or touching button, by buckle or touching button trigger circuit signal, judges whether this device is wearing state.
For solving the problems of the technologies described above, the portable gathering and paying method of a kind of high security provided by the invention, comprises action, gathering action and payment action is set simultaneously:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity information by biology sensor; Set and store for user and select for the financial payment accounts information containing account name and password corresponding to financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action comprises,
Step P1, reads the default payment information containing price and finance account of article, and price is presented on electronic curtain;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the instant identity information of user, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, and finishes payment; As unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; As wrong, the Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain, finishes payment; As errorless, continue payment, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads user identity instant messages, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, and finishes gathering; As unanimously entered next step;
Step R3, with step R1, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
As preferably, reading of the original identity information of described user and the instant identity information of user, is to read by one or more biology sensors in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
As preferably, the step P1 in described payment action, is to read on the default electronic tag of article the payment information containing price and finance account by NFC near-field communication; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the gathering information in gathering label by NFC near-field communication.
As preferably, the step P1 in described payment action, is to read the payment information containing price and finance account by the default bar code of scan articles or two-dimension code label; The gathering label that in described gathering action, step R3 generates is bar code or the Quick Response Code being presented on electronic curtain, and in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
As preferably, in this gathering and paying method, except WiFi radio communication, also comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.
As preferably, described for user, to select the financial payment mode for bank settlement be more than one bank and/or more than one third party paying centre.
As preferably, in described payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise:
Step P51, financial payment central server, according to the setting of financial payment account, sends short-message verification code to the cell-phone number of described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication.
For solving the problems of the technologies described above, another kind of high security Wearable gathering and paying method provided by the invention, comprises action, wearing checking action is set, gathering action and the action of paying the bill simultaneously:
Action is wherein set and comprises,
Step S1, dresses wearable bank settlement device while arranging, set and stored user's original identity information by biology sensor; Set and store for user and select for the financial payment accounts information containing account name and password corresponding to financial payment mode, the described financial payment mode of bank settlement;
Wherein dress checking action and comprise,
Step V1, wearable bank settlement device when not dressing state, is dressed the result and is recorded as user identity and does not verify;
Step V2, non-when state being set dressing wearable bank settlement device, by biology sensor, read the instant identity information of user, compare with the default original identity information of user; As inconsistent, dress the result and be recorded as subscriber authentication failure; As unanimously dressed the result, be recorded as subscriber authentication success;
Wherein payment action comprises,
Step P1, reads the default payment information containing price and finance account of article, and price is presented on electronic curtain;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes paying the bill, and finishes to pay the bill; As entered next step for subscriber authentication success;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; As wrong, the Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain, finishes payment; As errorless, continue payment, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes collecting money, and finishes to collect money; As entered next step for subscriber authentication success;
Step R3, with step R1, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
As preferably, reading of the original identity information of user and the instant identity information of user described in above-mentioned Wearable gathering and paying method is to read by one or more biology sensors in pulse transducer, human body posture sensor, human skin sensor.
As preferably, the step P1 in the action of payment described in above-mentioned Wearable gathering and paying method, is to read on the default electronic tag of article the payment information containing price and finance account by NFC near-field communication; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the gathering information in gathering label by NFC near-field communication.
As preferably, the step P1 in the action of payment described in above-mentioned Wearable gathering and paying method, is to read the payment information containing price and finance account by the default bar code of scan articles or two-dimension code label; The gathering label that in described gathering action, step R3 generates is bar code or the Quick Response Code being presented on electronic curtain, and in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
As preferably, in above-mentioned Wearable gathering and paying method, except WiFi radio communication, also comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.
As preferably, described in above-mentioned Wearable gathering and paying method, for user, selecting the financial payment mode for bank settlement is more than one bank and/or more than one third party paying centre.
As preferably, in above-mentioned Wearable gathering and paying method, in described payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise:
Step P51, financial payment central server, according to the setting of financial payment account, sends short-message verification code to the cell-phone number of described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication.
As preferably, in above-mentioned Wearable gathering and paying method, by user identity identification pilot lamp, show subscriber authentication result.While not dressing described wearable bank settlement device, this pilot lamp is for extinguishing state; Non-when state being set dressing described wearable bank settlement device, when dressing the result and be recorded as subscriber authentication failure, pilot lamp takes on a red color, and when dressing the result and be recorded as subscriber authentication success, it is green that pilot lamp is.
As preferably, wearable bank settlement device described in above-mentioned Wearable gathering and paying method, its profile is the wearable patterns such as wrist watch shape or bracelet shape or ring shape, also can be built in the accessories such as watch, bracelet, bangle, ring.
In wearable bank settlement device in above-mentioned Wearable gathering and paying method, comprise wearing induction module, mode is to judge by temperature sensor or pressure transducer whether this device is a wearing state, and another kind of mode is to judge by buckle or touching button trigger circuit signal whether this device is wearing state.
In which, user only need dress bank settlement device and complete identification checking, only otherwise take off this device and can repeatedly carry out bank settlement operation, formerly while further having reduced the action of each bank settlement need repeatedly carry out the step of identification checking, and with pilot lamp, intuitively express user identity identification result, more succinct, quick, safety.
Beneficial effect: the portable gathering and paying method of high security that the invention provides the portable bank settlement device of a kind of high security and be applicable to this portable bank settlement device, by biology sensor, carrying out user identity presets, during use, by biology sensor, carry out authentication and identification, reduced the step that the information such as manual input password are logined and verified, also significantly reduced the multistep operation in bank settlement process, it is convenient to have realized, nearby electron payment and the gathering of safety, security and confidentiality have greatly been improved on the one hand, the fine on the other hand ease for use that promoted, expanded the applicable scope of crowd.Also can be built in the accessories such as wearable wrist-watch, bracelet, bangle or ring simultaneously, facilitate fashion.
Accompanying drawing explanation
Fig. 1 is the structural representation of bank settlement device embodiment 1 of the present invention;
Fig. 2 is the structural representation of bank settlement device embodiment 2 of the present invention;
Fig. 3 is the payment action flow chart for a kind of portable gathering and paying method of embodiment 1;
Fig. 4 is the gathering action flow chart for a kind of portable gathering and paying method of embodiment 1;
Fig. 5 is the payment action flow chart for a kind of portable gathering and paying method of embodiment 2;
Fig. 6 is the gathering action flow chart for a kind of portable gathering and paying method of embodiment 2;
Fig. 7 is the payment action flow chart for the another kind of Wearable gathering and paying method of embodiment 1;
Fig. 8 is the gathering action flow chart for the another kind of Wearable gathering and paying method of embodiment 1.
Embodiment
embodiment 1:as shown in Figure 1, bank settlement device of the present invention comprises structural representation: memory module 1, payment information read with gathering information module 2, terminal user ID identification module 3, communication module 4, input/output module 5, microcontroller 6 are set.Wherein payment information reads with gathering information module 2 is set, and comprises built-in NFC module 21; In described terminal user ID identification module 3, comprise built-in pulse transducer 31; Described communication module 4, comprises built-in WiFi module 41; Described input/output module 5 comprises electronic curtain 51 and hard manual 52.The small size OLED screen that this device electronic curtain 51 is low-power consumption.
This device can be for wearable, as be built in the accessories such as watch, bracelet, bangle, ring, also can directly profile be designed to the wearable patterns such as wrist watch shape or bracelet shape or ring-shaped; Certainly, this device can be also non-Wearable, as small and exquisite portable patterns such as wallet, lighter, cosmetic container, lipsticks.
Take that this device is built in wearable wrist-watch is below example, and the course of work of bank settlement device of the present invention is described:
While arranging: this device is connected with computing machine by WiFi module 41, writes the financial payment mode of selecting for user by computing machine in memory module 1, this financial payment mode can be more than one bank and/or more than one third party paying centre; Press the original identity preset key on lower hard manual 52, in memory module 1, write the original identity information of the user who reads by pulse transducer.What now completed terminal user allly arranges action, and the later stage also can, after completing terminal user ID identification, be rewritten above-mentioned information.
During payment: user presses close to want the article of buying by the wrist-watch of built-in this bank settlement device; This device reads the payment information containing price and finance account default on article electronic label by NFC module 21 near-field communications, and the financial payment mode of price and all alternative is presented on electronic curtain 51; User selects payment with after financial payment mode, presses the one-touch payment button on lower hard manual 52, confirms payment; This device reads the instant identity information of user by pulse transducer 31, compares with the default original identity information of user, as inconsistent, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill on electronic curtain 51, finishes payment; As financial payment accounts information corresponding to the consistent financial payment mode of payment information reading being selected with user, by WiFi module 41, send to financial payment central server corresponding to selected financial payment mode; Account name, password and the balance amount information of financial payment center checking financial payment account, as wrong, by WiFi module 41, Payment Failed reason is fed back to this device, this device is presented at Payment Failed reason on electronic curtain 51, finish payment, as errorless, continue payment, complete one-touch payment.
If user's financial payment account has been preset short-message verification function, after the errorless continuation payment of above-mentioned financial payment center checking financial payment accounts information, send short-message verification code to the cell-phone number of this financial payment account binding, user inputs the short-message verification code of receiving on binding cell-phone number on the hard manual 52 of this bank settlement device, this device sends to above-mentioned financial payment central server by the short-message verification code of user's input by WiFi module 41, realizes short-message verification and finally completes payment.
In certain this device communication module 4, except WiFi module 41, also can built-inly comprise the 3G module of the corresponding Mobile phone card of above-mentioned cell-phone number, and alternative WiFi realizes the information interaction at this device and financial payment center.
During gathering: user inputs collection amount on hard manual 52; This device is presented at the financial payment mode of price and all alternative on electronic curtain 51; User selects to collect money after the financial payment mode of use, presses the one-touch gathering button on lower hard manual 52, confirms gathering; This device reads the instant identity information of user by pulse transducer 31, compares with the default original identity information of user, as inconsistent, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money on electronic curtain 51, finishes gathering; As unanimously by NFC module 21, by above-mentioned setting containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the NFC electronic tag with certain timeliness; Paying party is read the gathering information in gathering electronic tag and is paid by NFC near-field communication, and user completes gathering.
embodiment 2:as shown in Figure 2, bank settlement device of the present invention comprises structural representation: memory module 1, payment information read with gathering information module 2, terminal user ID identification module 3, communication module 4, input/output module 5, microcontroller 6 are set.Wherein payment information reads with gathering information module 2 is set, and comprises built-in barcode scanning module 22, bar code and two-dimensional code generation module 23; In described terminal user ID identification module 3, comprise built-in human skin sensor 33 and fingerprint Identification sensor 32; Described communication module 4, comprises built-in WiFi module 41, bluetooth 42 and USB 43; Described input/output module 5 comprises the soft keyboard 53 on electronic curtain 51 and screen.
This device can be for wearable, as be built in the accessories such as watch, bracelet, bangle, ring, also can directly profile be designed to the wearable patterns such as wrist watch shape, bracelet shape or ring-shaped; Certainly, this device can be also non-Wearable, as small and exquisite portable patterns such as wallet, lighter, cosmetic container, lipsticks.
The course of work of this device is:
While arranging: this device is connected with computing machine by WiFi module 41 or bluetooth 42 or USB interface 43, by computing machine, in memory module 1, write the financial payment mode of selecting for user, this financial payment mode can be more than one bank and/or more than one third party paying centre; Press the original identity preset key on lower soft keyboard 53, this bank settlement device is placed on to user's wrist, the centre of the palm, the back of the hand or other body parts, in memory module 1, write the original identity skin of the user who reads by human skin sensor 33 information; User's finger is placed in to scanning on fingerprint sensor 32, in memory module 1, writes the original identity fingerprint information of the user who reads by fingerprint sensor.What now completed terminal user allly arranges action, and the later stage also can, after completing terminal user ID identification, be rewritten above-mentioned information.
During payment: user is by default bar code or Quick Response Code in barcode scanning module 22 scan articles on this bank settlement device; This device reads the payment information containing price and finance account, and the financial payment mode of price and all alternative is presented on electronic curtain 51; User selects payment with after financial payment mode, presses the one-touch payment button on lower soft keyboard 53, confirms payment; This device reads the instant identity skin of user information by human skin sensor 33, compare with the default original identity skin of user information, this device prompting user is placed in scanning on fingerprint sensor 32 by finger simultaneously, and by the instant identity fingerprint information of the user who reads, compare with the default original identity fingerprint information of user, as exist inconsistently, and on electronic curtain 51, show because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, finish payment; As all consistent, financial payment accounts information corresponding to financial payment mode of payment information reading being selected with user, sends to financial payment central server corresponding to selected financial payment mode by WiFi module 41; Account name, password and the balance amount information of financial payment center checking financial payment account, as wrong, by WiFi module 41, Payment Failed reason is fed back to this device, this device is presented at Payment Failed reason on electronic curtain 51, finish payment, as errorless, continue payment, complete one-touch payment.
If user's financial payment account has been preset short-message verification function, after the errorless continuation payment of above-mentioned financial payment center checking financial payment accounts information, send short-message verification code to the cell-phone number of this financial payment account binding, user inputs the short-message verification code of receiving on binding cell-phone number on the soft keyboard 53 of this bank settlement device, this device sends to above-mentioned financial payment central server by the short-message verification code of user's input by WiFi module 41, realizes short-message verification and finally completes payment.
Certainly in this device communication module 4, also can built-inly comprise the 3G module of the corresponding Mobile phone card of above-mentioned cell-phone number, and alternative WiFi realizes the information interaction at this device and financial payment center.
During gathering: user inputs collection amount on soft keyboard 53; This device is presented at the financial payment mode of price and all alternative on electronic curtain 51; User selects to collect money after the financial payment mode of use, presses the one-touch gathering button on lower soft keyboard 53, confirms gathering; This device reads the instant identity skin of user information by human skin sensor 33, compare with the default original identity skin of user information, this device prompting user is placed in scanning on fingerprint sensor 32 by finger simultaneously, and by the instant identity fingerprint information of the user who reads, compare with the default original identity fingerprint information of user, as exist inconsistently, and on electronic curtain 51, show because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, finish gathering; As all consistent, by bar code and two-dimensional code generation module 23, by above-mentioned setting containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate bar code or the Quick Response Code with certain timeliness; Paying party is by scanning the gathering information in above-mentioned bar code or Quick Response Code and paying, and user completes gathering.
When said apparatus is wearable bank settlement device in the present invention, can also comprises and dress induction module (not shown), be used for judging whether this device is wearing state.Mode is that this wearing induction module comprises temperature sensor or a pressure transducer, once dress above, by warming or pressure sensitivity, judges whether this device is wearing state; Another kind of mode is that once buckle successfully closes, this wearing induction module trigger circuit signal judges whether this device is wearing state by the wearing buckle (as watchband buckle) on device; Also can be, at device body contact, Pop-up touching button is partly set, once dress this device, the tactile knob flush mounting inside that is squeezed, take this trigger circuit signal and judges whether this device is wearing state.
Now can also there is the another kind of course of work, tired, not state with course of work something in common noted earlier, with regard to difference, be described below below:
While arranging: user presses lower original identity preset key, this device on wearing, dress induction module and judge that this device is wearing state, trigger this device and write the original identity information of the user who reads by biology sensors such as pulse transducer, human skin sensors in memory module.
Non-when state is set: while not dressing or taking off this device as user, dress induction module and judge that this device is for not dressing state, wearing the result is recorded as user identity and does not verify; Once user installs this successfully to dress, dress induction module and judge that this device is wearing state, trigger this device and read the instant identity information of user by biology sensors such as pulse transducer, human skin sensors, compare with the default original identity information of user; As exist inconsistently, dress the result and be recorded as subscriber authentication failure; As all unanimously dressed the result, be recorded as subscriber authentication success.
During payment: when user presses lower one-touch payment button confirmation payment, this device reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, show because of user identity and do not verify or the authentication failed unsuccessful information that causes paying the bill, finish payment; As continued payment for subscriber authentication success.
During gathering, when user presses lower one-touch gathering button confirmation gathering, this device reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, show because of user identity and do not verify or the authentication failed unsuccessful information that causes collecting money, finish gathering; As continued gathering for subscriber authentication success.
Under this mode, user only need dress bank settlement device and complete identification checking, only otherwise take off this device bank settlement operation can be carried out repeatedly, while further having reduced bank settlement action each time, originally need to repeatedly carry out the step of identification checking, more succinct, quick, safety.
Certainly, the present invention is not limited to above-described embodiment, biology sensor in terminal user ID identification module 3 also can combine setting according to user's request, can be one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.In above-mentioned communication module 4, at least comprise built-in WiFi module 41, can comprise in addition one or more of 3G module, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.Keyboard in above-mentioned input/output module can be any one of soft keyboard or hard manual.
Portable gathering and paying method for this device embodiment 1 provided by the invention, comprises action, gathering action and payment action is set:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity information by pulse transducer; Set and store for user and select for the financial payment accounts information containing account name and password corresponding to financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action as shown in Figure 3, comprises,
Step P1, reads the default payment information containing price and finance account of article by NFC near-field communication, and price is presented on the electronic curtain of bank settlement device;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the instant identity information of user by pulse transducer, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, and finishes payment; As unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; As wrong, the Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain, finishes payment; As errorless, continue payment, complete payment;
Certainly, if user's financial payment account has been preset short-message verification function, in above-mentioned payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise (not shown):
Step P51, financial payment central server, according to the setting of financial payment account, sends short-message verification code to the cell-phone number of described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication;
Thereby complete payment;
Wherein gathering action as shown in Figure 4, comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads user identity instant messages by pulse transducer, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, and finishes gathering; As unanimously entered next step;
Step R3, with step R1, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the NFC electronics gathering label with certain timeliness;
Step R4, paying party is by the gathering information on NFC near-field communication read electric gathering label and pay, and user completes gathering.
Portable gathering and paying method for this device embodiment 2 provided by the invention, comprises action, gathering action and payment action is set:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity skin information and original identity fingerprint information by human skin sensor and fingerprint sensor; Set and store for user and select for the financial payment accounts information containing account name and password corresponding to financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action as shown in Figure 5, comprises,
Step P1, the bar code that scan articles is default or two-dimension code label read the payment information containing price and finance account, and price are presented on the electronic curtain of bank settlement device;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, by human skin sensor, read the instant identity skin of user information, compare with the default original identity skin of user information, by fingerprint sensor, read the instant identity fingerprint information of user, compare with the default original identity fingerprint information of user; As exist inconsistently, and on electronic curtain, show because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, finish payment; As all unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; As wrong, the Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain, finishes payment; As errorless, continue payment, complete payment;
Certainly, if user's financial payment account has been preset short-message verification function, in above-mentioned payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise (not shown):
Step P51, financial payment central server, according to the setting of financial payment account, sends short-message verification code to the cell-phone number of described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication; Thereby complete payment;
Wherein gathering action as shown in Figure 6, comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, by read the instant identity skin of user information by human skin sensor, compare with the default original identity skin of user information, by fingerprint sensor, read the instant identity fingerprint information of user, compare with the default original identity fingerprint information of user; As exist inconsistently, and on electronic curtain, show because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, finish gathering; As all unanimously entered next step;
Step R3, with step R1, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate bar code or the Quick Response Code gathering label with certain timeliness, and be presented on electronic curtain;
Step R4, paying party is read the gathering information in gathering label and is paid by scanning bar code or Quick Response Code, and user completes gathering.
Certainly, except the bank settlement device for embodiment 1 and embodiment 2, in above-mentioned portable gathering and paying method, terminal user ID identification also can be combined setting according to demand with biology sensor, can be one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.Except WiFi radio communication, also can comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.Set in advance for user and select the financial payment mode for bank settlement, can be more than one bank and/or more than one third party paying centre.
Another kind of Wearable gathering and paying method provided by the invention, for wearable bank settlement device.The bank settlement device being built on wearable wrist-watch in embodiment 1 of take is example, describe another kind of Wearable gathering and paying method in detail, it comprises and action is set, dresses checking action, gathering action and payment action, and show subscriber authentication result by user identity identification pilot lamp:
Action is wherein set and comprises,
Step S1, dresses this bank settlement device while arranging, set and stored user's original identity information by pulse transducer; Set and store for user and select for the financial payment accounts information containing account name and password corresponding to financial payment mode, the described financial payment mode of bank settlement;
Wherein dress checking action and comprise,
Step V1, this bank settlement device when not dressing state, is dressed the result and is recorded as user identity and does not verify, and user identity identification pilot lamp is for extinguishing state;
Step V2, non-when state being set dressing this bank settlement device, by pulse transducer, read the instant identity information of user, compare with the default original identity information of user; As inconsistent, to dress the result and be recorded as subscriber authentication failure, user identity identification pilot lamp takes on a red color; As unanimously dressed the result, be recorded as subscriber authentication success, it is green that user identity identification pilot lamp is;
Wherein payment action comprises as shown in Figure 7,
Step P1, reads the default payment information containing price and finance account of article by NFC near-field communication, and price is presented on the electronic curtain of this bank settlement device;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes paying the bill, and finishes to pay the bill; As entered next step for subscriber authentication success;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; As wrong, the Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain, finishes payment; As errorless, continue payment, complete payment;
Certainly, if user's financial payment account has been preset short-message verification function, in above-mentioned payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise (not shown):
Step P51, financial payment central server, according to the setting of financial payment account, sends short-message verification code to the cell-phone number of described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication; Thereby complete payment;
Wherein gathering action comprises as shown in Figure 8,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes collecting money, and finishes to collect money; As entered next step for subscriber authentication success;
Step R3, with step R1, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the NFC electronics gathering label with certain timeliness;
Step R4, paying party is by the gathering information on NFC near-field communication read electric gathering label and pay, and user completes gathering.
Certainly, when embodiment 2 is wearable bank settlement device, also available above-mentioned Wearable gathering and paying method, something in common is not repeated, and is described below below with regard to difference:
The described step S1 arranging in action is by human skin sensor and fingerprint sensor, to be set and stored user's original identity skin information and original identity fingerprint information;
The step V2 of described wearing checking action, to read the instant identity skin of user information by human skin sensor, compare with the default original identity skin of user information, by fingerprint sensor, read the instant identity fingerprint information of user, compare with the default original identity fingerprint information of user; As exist inconsistently, and to dress the result and be recorded as subscriber authentication failure, user identity identification pilot lamp takes on a red color; As all unanimously dressed the result, be recorded as subscriber authentication success, it is green that user identity identification pilot lamp is;
Step P1 in described payment action is to read the payment information containing price and finance account by the default bar code of scan articles or two-dimension code label;
Step R3 in described gathering action, the gathering label of generation is bar code or the Quick Response Code being presented on electronic curtain, in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
In wearable bank settlement device in above-mentioned Wearable gathering and paying method, comprise wearing induction module, mode is to judge by temperature sensor or pressure transducer whether this device is a wearing state, and another kind of mode is to judge by buckle or touching button trigger circuit signal whether this device is wearing state.
Under this mode, user only need dress bank settlement device and complete identification checking, only otherwise take off this device and can repeatedly carry out bank settlement operation, while further having reduced bank settlement action each time, originally need to repeatedly carry out the step of identification checking, and there is pilot lamp intuitively to express user identity identification result, more succinct, quick, safety.
Equally, except the wearable bank settlement device for embodiment 1 and embodiment 2, in above-mentioned Wearable gathering and paying method, terminal user ID identification also can be combined setting according to demand with biology sensor, can be one or more in pulse transducer, human body posture sensor, human skin sensor.Except WiFi radio communication, also can comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.Set in advance for user and select the financial payment mode for bank settlement, can be more than one bank and/or more than one third party paying centre.
Claims (7)
1. the portable gathering and paying method of high security, comprises action, gathering action and payment action is set:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity information by biology sensor; Set and store for user and select for the financial payment accounts information containing account name and password corresponding to financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action comprises,
Step P1, reads the default payment information containing price and finance account of article, and price is presented on electronic curtain;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the instant identity information of user, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, and finishes payment; As unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; As wrong, the Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain, finishes payment; As errorless, continue payment, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads user identity instant messages, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, and finishes gathering; As unanimously entered next step;
Step R3, with step R1, set containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
2. the portable gathering and paying method of high security according to claim 1, it is characterized in that: reading of the original identity information of described user and the instant identity information of user is to read by one or more biology sensors in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
3. the portable gathering and paying method of high security according to claim 1, is characterized in that: the step P1 in described payment action is to read by NFC near-field communication the payment information that contains price and finance account on the default electronic tag of article; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the gathering information in gathering label by NFC near-field communication.
4. the portable gathering and paying method of high security according to claim 1, is characterized in that: the step P1 in described payment action is to read the payment information containing price and finance account by the default bar code of scan articles or two-dimension code label; The gathering label that in described gathering action, step R3 generates is bar code or the Quick Response Code being presented on electronic curtain, and in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
5. the portable gathering and paying method of high security according to claim 1, it is characterized in that: except WiFi radio communication, one or more communication modes that also comprise 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.
6. the portable gathering and paying method of high security according to claim 1, is characterized in that: it is more than one bank and/or more than one third party paying centre that the described user of confession selects the financial payment mode for bank settlement.
7. the portable gathering and paying method of high security according to claim 1, is characterized in that: in described payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise:
Step P51, financial payment central server, according to the setting of financial payment account, sends short-message verification code to the cell-phone number of described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication.
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