CN103956006B - The portable bank settlement device of high security - Google Patents
The portable bank settlement device of high security Download PDFInfo
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- CN103956006B CN103956006B CN201410204050.1A CN201410204050A CN103956006B CN 103956006 B CN103956006 B CN 103956006B CN 201410204050 A CN201410204050 A CN 201410204050A CN 103956006 B CN103956006 B CN 103956006B
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Abstract
The present invention discloses the portable bank settlement device of high security, comprises memory module, payment information reads and arrange module, terminal user ID identification module, the module that communicates, input/output module, microcontroller with Receiving information. Also disclose the portable gathering and paying method of high security for this device, comprise and action, gathering action and payment action are set. When device is wearable, also can comprise and dress checking action. This device and method carries out user's identity by biosensor and sets in advance, carried out authentication and identification by biosensor during use, decrease the step that the information such as manual input password carry out login authentication, also the operation of the multistep in bank settlement process is significantly decreased, achieve convenient safe nearby electron bank settlement, greatly improve security, confidentiality and ease for use, the scope that the crowd of expanding is suitable for. This device profile can be the wearable patterns such as wrist-watch, bracelet, ring simultaneously, also can be built in wearable accessories, facilitate fashion.
Description
Technical field
The present invention relates to gathering and paying method and device, it is specifically related to a kind of Portable pocket bank settlement electronic installation, and is applicable to the gathering and paying method of bank settlement electronic installation.
Background technology
Along with high speed development and the continuous renewal of science and technology, the finance of people 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 combined toward paper money transaction and electronic transaction changes, Unionpay's POS very familiar in life is exactly well apply example, it greatly improves the clearing speed of the customer consumption amount of money, shortening the queue waiting time of client's checkout, clearing of account mode has brought great facility; What simultaneously internet retailer and shopping online paid develop popularizations rapidly, be integrated on smart mobile phone as micro-letter pay, the convenient formula modes of payments such as payment treasured wallet arise at the historic moment, change rapidly the Consumption patterns of people especially.
But this requires that user must be familiar with application and the multistep operation of network finance or intelligent terminal, especially that the person in middle and old age customer group that can not use Web bank and intelligence machine is very inconvenient. At present in the nearly payment of neck, the handheld device being usually referred to as stored value card or electronics wallet occurs, for reducing, daily transaction has used bank note frequently, it is to increase convenience in industry. But it needs user to input the information such as password by hand to carry out logging in or verifying have very big 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 present invention provides a kind of portable bank settlement device of high security, and the portable gathering and paying method of the high security being 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, for store user original identity information, for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Payment information reads and arranges module with Receiving information, for reading the payment information containing price and finance account that article are preset during payment; The Receiving information being used for the account name corresponding containing financial payment mode, described financial payment mode according to user's setting and collection amount during gathering, generates the gathering label with certain timeliness;
Terminal user ID identification module, for reading the original identity information of user by biosensor, and is stored in described memory module; Simultaneously for reading the instant identity information of user by biosensor, compare with the original identity information of user preset in memory module, complete identification and verification;
Communication module, for mutual with financial payment platform, computer, mobile phone, other electronic payment devices end messages;
Input/output module, comprises keyboard, electronics screen, for man-machine interaction;
Microcontroller, arranges the information interaction between module, terminal user ID identification module, memory module, communication module, input/output module for controlling the reading of payment information and Receiving information.
As preferably, for reading user's original identity information and the biosensor of the instant identity information of user in described terminal user ID identification module, it is one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
As preferably, described payment information reads and arranges module with Receiving information, comprise built-in NFC module, the payment information that article described in being read by NFC near-field communication during for paying the bill are preset, generate NFC electronics gathering label according to described Receiving information during gathering, read described gathering label information for paying party by NFC near-field communication.
As preferably, described payment information reads and arranges module with Receiving information, comprises built-in barcode scanning module, the payment information that the article described in being read by scanning bar code or Quick Response Code during for paying the bill are preset; Barcode and two-dimensional code generation module, generate barcode or Quick Response Code gathering label, read gathering label information for paying party by scanning bar code or Quick Response Code according to described Receiving information during for collecting money.
Above-mentioned communication module, at least comprises built-in WiFi module. As preferably, also can comprise built-in 3G module, bluetooth, USB one or more.
As preferably, the financial payment mode for user's selection stored in described memory module is more than one bank and/or more than one Third-party payment center.
As preferably, the keyboard in described input/output module is soft keyboard or hard keyboard.
Preferably, the electronics screen in described input/output module is the little size OLED screen of low-power consumption, naturally it is also possible to be LED screen, LCD screen etc.
As preferably, this device profile can be wearable pattern, such 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 shape such as wallet, lighter.
As preferably, this device profile is the small and exquisite portable shapes such as wallet, lighter, cosmetic container, lipstick.
As another kind preferably, this device is wearable bank settlement device, and its profile is wrist watch shape or the wearable pattern such as 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, it is also possible to comprise wearing induction module. Preferably, this wearing induction module comprises temperature sensor or pressure transmitter, judges whether this device is wearing state by warming or pressure sensitivity. Preferably, this wearing induction module comprises card and buckles or tactile button, is buckled by card or tactile button triggering circuit signal judges whether this device is wearing state.
Simultaneously for solving the problems of the technologies described above, a kind of portable gathering and paying method of high security provided by the invention, comprises and arranges action, gathering action and payment action:
Wherein arrange action to comprise,
Step S1, is set by biosensor and stores the original identity information of user; Set and store for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Wherein payment action comprises,
Step P1, reads the payment information containing price and finance account that article are preset, and price is displayed on electronics screen;
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 original identity information of default user, as inconsistent, then show on electronics screen because user's authentication unsuccessfully causes unsuccessful information of paying the bill, terminates payment; As unanimously then entered next step;
Step P4, the financial payment accounts information that the payment information read by step P1 is corresponding with the financial payment mode that step P2 selects, is sent to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, the account name of financial payment central authentication financial payment account, password and balance amount information; As wrong, the payment failure cause fed back by WiFi radio communication is displayed on electronics screen, terminates payment; As errorless, continue payment, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, selects gathering mode in default alternative financial payment mode, and confirms gathering;
Step R2, reads user's identity instant messages, compares with the original identity information of default user, as inconsistent, then show on electronics screen because user's authentication unsuccessfully causes unsuccessful information of collecting money, terminates gathering; As unanimously then entered next step;
Step R3, the Receiving information of the account name that the financial payment mode that contains set with step R1, described financial payment mode are corresponding and collection amount, generates the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
As preferably, the reading of described user original identity information and the instant identity information of user is read by one or more biosensors in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
As preferably, the step P1 in described payment action is read the payment information containing price and finance account on article preset electronic label; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the Receiving information in gathering label by NFC near-field communication.
As preferably, the step P1 in described payment action is that the barcode default by scan articles or two-dimension code label read the payment information containing price and finance account; The gathering label that in described gathering action, step R3 generates is the barcode or Quick Response Code that are displayed on electronics screen, and in step R4, paying party reads the Receiving 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 signalling methodss of 3G, bluetooth, USB, for mutual with financial payment platform, computer, mobile phone or other electronic payment devices end messages.
As preferably, the described user of confession selects the financial payment mode being used for bank settlement to be more than one bank and/or more than one Third-party payment center.
As preferably, in described payment action step P5, the errorless continuation of financial payment central authentication financial payment accounts information also comprises after paying the bill:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short message verification code to the binding of described financial payment account;
Step P52, user inputs on above-mentioned cell-phone number the short message verification code received, and is sent to above-mentioned financial payment central server by WiFi radio communication.
Simultaneously for solving the problems of the technologies described above, another kind of high security Wearable gathering and paying method provided by the invention, comprises and arranges action, wearing checking action, gathering action and payment action:
Wherein arrange action to comprise,
Step S1, dresses wearable bank settlement device when arranging, set by biosensor and store the original identity information of user; Set and store for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Wherein dress checking action to comprise,
Step V1, when wearable bank settlement device is not for dressing state, dresses checking outcome record and does not verify for user's identity;
Step V2, the non-state that arranges when dressing wearable bank settlement device, reads the instant identity information of user by biosensor, compares with the original identity information of default user; As inconsistent, then dressing checking outcome record is user's authentication failure; Then dressing checking outcome record as consistent is user's authentication success;
Wherein payment action comprises,
Step P1, reads the payment information containing price and finance account that article are preset, and price is displayed on electronics screen;
Step P2, user selects payment methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the result dressing checking action, as do not verified for user's identity or verify failure, then shows the information do not verified because of user's identity or verify and unsuccessfully cause payment unsuccessful on electronics screen, terminates payment; As then entered next step for user's authentication success;
Step P4, the financial payment accounts information that the payment information read by step P1 is corresponding with the financial payment mode that step P2 selects, is sent to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, the account name of financial payment central authentication financial payment account, password and balance amount information; As wrong, the payment failure cause fed back by WiFi radio communication is displayed on electronics screen, terminates payment; As errorless, continue payment, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, selects gathering mode in default alternative financial payment mode, and confirms gathering;
Step R2, reads the result dressing checking action, as do not verified for user's identity or verify failure, then shows the information do not verified because of user's identity or verify and unsuccessfully cause gathering unsuccessful on electronics screen, terminates gathering; As then entered next step for user's authentication success;
Step R3, the Receiving information of the account name that the financial payment mode that contains set with step R1, described financial payment mode are corresponding and collection amount, generates the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
As preferably, the reading of user's original identity information described in above-mentioned Wearable gathering and paying method and the instant identity information of user is read by one or more biosensors in pulse transducer, human body posture sensor, human skin sensor.
As preferably, the step P1 in payment action described in above-mentioned Wearable gathering and paying method is read the payment information containing price and finance account on article preset electronic label; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the Receiving information in gathering label by NFC near-field communication.
As preferably, the step P1 in payment action described in above-mentioned Wearable gathering and paying method is that the barcode default by scan articles or two-dimension code label read the payment information containing price and finance account; The gathering label that in described gathering action, step R3 generates is the barcode or Quick Response Code that are displayed on electronics screen, and in step R4, paying party reads the Receiving 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 signalling methodss of 3G, bluetooth, USB, for mutual with financial payment platform, computer, mobile phone or other electronic payment devices end messages.
As preferably, selecting the financial payment mode being used for bank settlement to be more than one bank and/or more than one Third-party payment center for user described in above-mentioned Wearable gathering and paying method.
As preferably, in above-mentioned Wearable gathering and paying method, in described payment action step P5, the errorless continuation of financial payment central authentication financial payment accounts information also comprises after paying the bill:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short message verification code to the binding of described financial payment account;
Step P52, user inputs on above-mentioned cell-phone number the short message verification code received, and is sent to above-mentioned financial payment central server by WiFi radio communication.
As preferably, by user identity identification pilot lamp display user's authentication result in above-mentioned Wearable gathering and paying method. When not dressing described wearable bank settlement device, this pilot lamp is OFF state; The non-state that arranges is when dressing described wearable bank settlement device, and when dressing checking outcome record and be user's authentication failure, pilot lamp is in red, and when dressing checking outcome record and be user's authentication success, pilot lamp is green.
As preferably, wearable bank settlement device described in above-mentioned Wearable gathering and paying method, its profile is wrist watch shape or the wearable pattern such as 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, a kind of mode judges whether this device is wearing state by temperature sensor or pressure transmitter, and another kind of mode is buckled by card or tactile button triggering circuit signal judges whether this device is wearing state.
In which, user only need to dress bank settlement device and namely complete identification checking, as long as not taking off this device can repeatedly carry out bank settlement operation, the former step that need to repeatedly carry out identification checking when further reducing each bank settlement action, and intuitively express user identity identification result with pilot lamp, more succinctly, fast, safety.
Useful effect: the present invention provides a kind of high security portable bank settlement device and is applicable to the portable gathering and paying method of high security of this portable bank settlement device, carry out user's identity by biosensor to set in advance, carried out authentication and identification by biosensor during use, decrease the step that the information such as manual input password carry out logging in and verifying, also the operation of the multistep in bank settlement process is significantly decreased, it is convenient to achieve, nearby electron payment and the gathering of safety, greatly improve security and confidentiality on the one hand, another aspect is fine improves ease for use, the scope that the crowd of expanding is suitable for. 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 of a kind of portable gathering and paying method for embodiment 1;
Fig. 4 is the gathering action flow chart of a kind of portable gathering and paying method for embodiment 1;
Fig. 5 is the payment action flow chart of a kind of portable gathering and paying method for embodiment 2;
Fig. 6 is the gathering action flow chart of a kind of portable gathering and paying method for embodiment 2;
Fig. 7 is the payment action flow chart of another kind of Wearable gathering and paying method for embodiment 1;
Fig. 8 is the gathering action flow chart of another kind of Wearable gathering and paying method for 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 and arranges module 2, terminal user ID identification module 3, the module that communicates 4, input/output module 5, microcontroller 6 with Receiving information. Information of wherein paying the bill reads and arranges module 2 with Receiving information, 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 electronics screen 51 and hard keyboard 52. This device electronics screen 51 is the little size OLED screen of low-power consumption.
This device can be wearable, as being built in the accessories such as watch, bracelet, bangle, ring, profile also directly can be designed to wrist watch shape or the wearable pattern such as bracelet shape or ring type; Certainly, this device can also be non-Wearable, such as small and exquisite portable patterns such as wallet, lighter, cosmetic container, lipsticks.
It is built in wearable wrist-watch for this device below, the working process of bank settlement device of the present invention is described:
When arranging: be connected with computer by WiFi module 41 by this device, being write for the financial payment mode that user selects by computer in memory module 1, this financial payment mode can be more than one bank and/or more than one Third-party payment center; Press the original identity preset key on lower hard keyboard 52, in memory module 1, write the original identity information of user read by pulse transducer. Now completing all of terminal user and arrange action, above-mentioned information after completing terminal user ID identification, can also be rewritten by the later stage.
During payment: the article wanting to buy pressed close to by the wrist-watch of this bank settlement device built-in by user; This device reads the payment information containing price and finance account preset on article electronic label by NFC module 21 near-field communication, and is displayed on electronics screen 51 by the financial payment mode of price and all alternative; After user selects payment financial payment mode, press the one-touch payment button on lower hard keyboard 52, confirm payment; This device reads the instant identity information of user by pulse transducer 31, compares with the original identity information of default user, as inconsistent, show because user's authentication unsuccessfully causes unsuccessful information of paying the bill, terminate payment on electronics screen 51; As consistent then by financial payment accounts information corresponding with the financial payment mode that user selects for the payment information read, it is sent to financial payment central server corresponding to selected financial payment mode by WiFi module 41; The account name of financial payment central authentication financial payment account, password and balance amount information, as wrong, by WiFi module 41, payment failure cause is fed back to this device, payment failure cause is displayed on electronics screen 51 by this device, terminate payment, as errorless, continue payment, complete one-touch payment.
If user's financial payment account has preset short-message verification function, after the errorless continuation of above-mentioned financial payment central authentication financial payment accounts information is paid the bill, send the cell-phone number that short message verification code is bound to this financial payment account, user inputs on binding cell-phone number the short message verification code received on the hard keyboard 52 of this bank settlement device, the short message verification code that user is inputted by this device is sent to above-mentioned financial payment central server by WiFi module 41, it is achieved short-message verification also finally completes payment.
Certainly, in this device communication module 4 except WiFi module 41, also built-in can comprise the 3G module of the corresponding mobile phone card of above-mentioned cell-phone number, and substitute WiFi and realize this device and the information interaction at financial payment center.
During gathering: user inputs collection amount on hard keyboard 52; The financial payment mode of price and all alternative is displayed on electronics screen 51 by this device; User presses the one-touch gathering button on lower hard keyboard 52 after selecting the financial payment mode of gathering, confirms gathering; This device reads the instant identity information of user by pulse transducer 31, compares with the original identity information of default user, as inconsistent, show because user's authentication unsuccessfully causes unsuccessful information of collecting money, terminate gathering on electronics screen 51; As consistent then by NFC module 21, by the Receiving information of the account name corresponding containing financial payment mode, described financial payment mode of above-mentioned setting and collection amount, generate the NFC electronic tag with certain timeliness; Paying party reads the Receiving information in gathering electronic tag by NFC near-field communication and pays, 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 and arranges module 2, terminal user ID identification module 3, the module that communicates 4, input/output module 5, microcontroller 6 with Receiving information. Information of wherein paying the bill reads and arranges module 2 with Receiving information, comprises built-in barcode scanning module 22, barcode 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 USB43; Described input/output module 5 comprises the soft keyboard 53 on electronics screen 51 and screen.
This device can be wearable, as being built in the accessories such as watch, bracelet, bangle, ring, profile also directly can be designed to the wearable patterns such as wrist watch shape, bracelet shape or ring type; Certainly, this device can also be non-Wearable, such as small and exquisite portable patterns such as wallet, lighter, cosmetic container, lipsticks.
The working process of this device is:
When arranging: this device is passed through WiFi module 41 or bluetooth 42 or USB interface 43 and is connected with computer, being write in memory module 1 for the financial payment mode that user selects by computer, this financial payment mode can be more than one bank and/or more than one Third-party payment center; Press the original identity preset key on lower soft keyboard 53, this bank settlement device is placed on 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 information of user read by human skin sensor 33; It is placed on fingerprint sensing device 32 by user's finger to scan, in memory module 1, write the original identity fingerprint information of user read by fingerprint sensing device. Now completing all of terminal user and arrange action, above-mentioned information after completing terminal user ID identification, can also be rewritten by the later stage.
During payment: user is by barcode default in barcode scanning module 22 scan articles on this bank settlement device or Quick Response Code; This device reads the payment information containing price and finance account, and is displayed on electronics screen 51 by the financial payment mode of price and all alternative; After user selects payment financial payment mode, press the one-touch payment button on lower soft keyboard 53, confirm payment; This device reads the instant identity skin information of user by human skin sensor 33, compare with the original identity skin information of default user, finger is placed on fingerprint sensing device 32 to scan by the user of this device prompting simultaneously, and the instant identity fingerprint information of user that will read, compare with the original identity fingerprint information of default user, as inconsistent in existed, electronics screen 51 shows because user's authentication unsuccessfully causes unsuccessful information of paying the bill, terminate payment; As all consistent, then by financial payment accounts information corresponding with the financial payment mode that user selects for the payment information read, it is sent to financial payment central server corresponding to selected financial payment mode by WiFi module 41; The account name of financial payment central authentication financial payment account, password and balance amount information, as wrong, by WiFi module 41, payment failure cause is fed back to this device, payment failure cause is displayed on electronics screen 51 by this device, terminate payment, as errorless, continue payment, complete one-touch payment.
If user's financial payment account has preset short-message verification function, after the errorless continuation of above-mentioned financial payment central authentication financial payment accounts information is paid the bill, send the cell-phone number that short message verification code is bound to this financial payment account, user inputs on binding cell-phone number the short message verification code received on the soft keyboard 53 of this bank settlement device, the short message verification code that user is inputted by this device is sent to above-mentioned financial payment central server by WiFi module 41, it is achieved short-message verification also finally completes payment.
This device communication module 4 also built-in can comprise the 3G module of the corresponding mobile phone card of above-mentioned cell-phone number certainly, and substitute WiFi and realize this device and the information interaction at financial payment center.
During gathering: user inputs collection amount on soft keyboard 53; The financial payment mode of price and all alternative is displayed on electronics screen 51 by this device; User presses the one-touch gathering button on lower soft keyboard 53 after selecting the financial payment mode of gathering, confirms gathering; This device reads the instant identity skin information of user by human skin sensor 33, compare with the original identity skin information of default user, finger is placed on fingerprint sensing device 32 to scan by the user of this device prompting simultaneously, and the instant identity fingerprint information of user that will read, compare with the original identity fingerprint information of default user, as inconsistent in existed, electronics screen 51 shows because user's authentication unsuccessfully causes unsuccessful information of collecting money, terminate gathering; As all consistent, then by barcode and two-dimensional code generation module 23, by the Receiving information of the account name corresponding containing financial payment mode, described financial payment mode of above-mentioned setting and collection amount, generate barcode or the Quick Response Code with certain timeliness; Paying party is by the Receiving information that scans in above-mentioned barcode or Quick Response Code and pays, and user completes gathering.
When said apparatus in the present invention is wearable bank settlement device, it is also possible to comprise and dress induction module (not shown), be used for judging whether this device is wearing state. A kind of mode is that this wearing induction module comprises temperature sensor or pressure transmitter, once on dressing, judge whether this device is wearing state by warming or pressure sensitivity; Another kind of mode is buckled (as wrist-watch strap card is buckled) by the wearing card on device, closes once snap into merit, this wearing induction module then triggering circuit signal judge whether this device is wearing state; Can also being arrange ejection formula in device contact bodies part to touch button, once dress this device upper, tactile knob be squeezed and embeds device inside, judges that whether this device is as wearing state taking this triggering circuit signal.
Now can also there is another kind of working process, not state tired with working process something in common noted earlier, below difference is described below:
When 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 in memory module, write the original identity information of user read by the biosensor such as pulse transducer, human skin sensor.
Non-when state is set: when not dressing such as user or take off this device, dress induction module and judge that this device is as the state of not dressing, dress and verify that outcome record is not verified for user's identity; Once this device is successfully dressed by user, dress induction module and judge that this device is wearing state, namely trigger this device and read the instant identity information of user by the biosensor such as pulse transducer, human skin sensor, compare with the original identity information of default user; As inconsistent in existed, then dressing checking outcome record is user's authentication failure; Then dressing checking outcome record as all consistent is user's authentication success.
During payment: when user presses the confirmation payment of lower one-touch payment button, this device reads the result dressing checking action, as do not verified for user's identity or verify failure, then on electronics screen, show the information do not verified because of user's identity or verify and unsuccessfully cause payment unsuccessful, terminate payment; As then continued payment for user's authentication success.
During gathering, when user presses the confirmation gathering of lower one-touch gathering button, this device reads the result dressing checking action, as do not verified for user's identity or verify failure, on electronics screen, then show the information do not verified because of user's identity or verify and unsuccessfully cause gathering unsuccessful, terminate gathering; As then continued gathering for user's authentication success.
Under this mode, user only need to dress bank settlement device and namely complete identification checking, as long as not taking off this device can repeatedly carry out bank settlement operation, when further reducing bank settlement action each time, originally needed the step repeatedly carrying out identification checking, more succinctly, fast, safety.
Certainly, the present invention is not limited to above-described embodiment, biosensor in terminal user ID identification module 3 also can carry out combination setting according to customer need, 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 3G module, bluetooth, USB one or more, for mutual with financial payment platform, computer, 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 keyboard.
Portable gathering and paying method for this device embodiment 1 provided by the invention, comprises and arranges action, gathering action and payment action:
Wherein arrange action to comprise,
Step S1, is set by pulse transducer and stores the original identity information of user; Set and store for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Wherein payment action is 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 displayed on the electronics screen 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 original identity information of default user, as inconsistent, then show on electronics screen because user's authentication unsuccessfully causes unsuccessful information of paying the bill, terminates payment; As unanimously then entered next step;
Step P4, the financial payment accounts information that the payment information read by step P1 is corresponding with the financial payment mode that step P2 selects, is sent to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, the account name of financial payment central authentication financial payment account, password and balance amount information; As wrong, the payment failure cause fed back by WiFi radio communication is displayed on electronics screen, terminates payment; As errorless, continue payment, complete payment;
Certainly, if user's financial payment account has preset short-message verification function, in above-mentioned payment action step P5, the errorless continuation of financial payment central authentication financial payment accounts information also comprises (not shown) after paying the bill:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short message verification code to the binding of described financial payment account;
Step P52, user inputs on above-mentioned cell-phone number the short message verification code received, and is sent to above-mentioned financial payment central server by WiFi radio communication;
Thus complete payment;
Wherein gathering action is as shown in Figure 4, comprises,
Step R1, user sets collection amount, selects gathering mode in default alternative financial payment mode, and confirms gathering;
Step R2, reads user's identity instant messages by pulse transducer, compares with the original identity information of default user, as inconsistent, then show on electronics screen because user's authentication unsuccessfully causes unsuccessful information of collecting money, terminates gathering; As unanimously then entered next step;
Step R3, the Receiving information of the account name that the financial payment mode that contains set with step R1, described financial payment mode are corresponding and collection amount, generates the NFC electronics gathering label with certain timeliness;
Step R4, paying party reads the Receiving information on electronics gathering label by NFC near-field communication and pays, and user completes gathering.
Portable gathering and paying method for this device embodiment 2 provided by the invention, comprises and arranges action, gathering action and payment action:
Wherein arrange action to comprise,
Step S1, is set by human skin sensor and fingerprint sensing device and stores the original identity skin information of user and original identity fingerprint information; Set and store for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Wherein payment action is as shown in Figure 5, comprises,
Step P1, the barcode that scan articles is preset or two-dimension code label read the payment information containing price and finance account, and price are displayed on the electronics screen of bank settlement device;
Step P2, user selects payment methods in default alternative financial payment mode, and confirms payment;
Step P3, the instant identity skin information of user is read by human skin sensor, compare with the original identity skin information of default user, read the instant identity fingerprint information of user by fingerprint sensing device, compare with the original identity fingerprint information of default user; As inconsistent in existed, then show on electronics screen because user's authentication unsuccessfully causes unsuccessful information of paying the bill, terminate payment; As all unanimously then entered next step;
Step P4, the financial payment accounts information that the payment information read by step P1 is corresponding with the financial payment mode that step P2 selects, is sent to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, the account name of financial payment central authentication financial payment account, password and balance amount information; As wrong, the payment failure cause fed back by WiFi radio communication is displayed on electronics screen, terminates payment; As errorless, continue payment, complete payment;
Certainly, if user's financial payment account has preset short-message verification function, in above-mentioned payment action step P5, the errorless continuation of financial payment central authentication financial payment accounts information also comprises (not shown) after paying the bill:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short message verification code to the binding of described financial payment account;
Step P52, user inputs on above-mentioned cell-phone number the short message verification code received, and is sent to above-mentioned financial payment central server by WiFi radio communication; Thus complete payment;
Wherein gathering action is as shown in Figure 6, comprises,
Step R1, user sets collection amount, selects gathering mode in default alternative financial payment mode, and confirms gathering;
Step R2, by reading the instant identity skin information of user by human skin sensor, compare with the original identity skin information of default user, read the instant identity fingerprint information of user by fingerprint sensing device, compare with the original identity fingerprint information of default user; As inconsistent in existed, then show on electronics screen because user's authentication unsuccessfully causes unsuccessful information of collecting money, terminate gathering; As all unanimously then entered next step;
Step R3, the Receiving information of the account name that the financial payment mode that contains set with step R1, described financial payment mode are corresponding and collection amount, generates the barcode with certain timeliness or Quick Response Code gathering label, and is displayed on electronics screen;
Step R4, paying party reads the Receiving information in gathering label by scanning bar code or Quick Response Code and pays, 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 biosensor also can carry out combination setting according to demand, 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 signalling methodss of 3G, bluetooth, USB, for mutual with financial payment platform, computer, mobile phone or other electronic payment devices end messages. Pre-set and select the financial payment mode for bank settlement for user, can be more than one bank and/or more than one Third-party payment center.
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, another kind of Wearable gathering and paying method is described in detail, it comprise arrange action, dress checking action, gathering action and payment action, and by user identity identification pilot lamp display user's authentication result:
Wherein arrange action to comprise,
Step S1, dresses this bank settlement device when arranging, set by pulse transducer and store the original identity information of user; Set and store for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Wherein dress checking action to comprise,
Step V1, when this bank settlement device is not for dressing state, dresses checking outcome record and does not verify for user's identity, and user identity identification pilot lamp is OFF state;
Step V2, the non-state that arranges when dressing this bank settlement device, reads the instant identity information of user by pulse transducer, compares with the original identity information of default user; As inconsistent, then dressing checking outcome record is user's authentication failure, and user identity identification pilot lamp is in red; Then dressing checking outcome record as consistent is user's authentication success, and user identity identification pilot lamp is in green;
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 displayed on the electronics screen 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 dressing checking action, as do not verified for user's identity or verify failure, then shows the information do not verified because of user's identity or verify and unsuccessfully cause payment unsuccessful on electronics screen, terminates payment; As then entered next step for user's authentication success;
Step P4, the financial payment accounts information that the payment information read by step P1 is corresponding with the financial payment mode that step P2 selects, is sent to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, the account name of financial payment central authentication financial payment account, password and balance amount information; As wrong, the payment failure cause fed back by WiFi radio communication is displayed on electronics screen, terminates payment; As errorless, continue payment, complete payment;
Certainly, if user's financial payment account has preset short-message verification function, in above-mentioned payment action step P5, the errorless continuation of financial payment central authentication financial payment accounts information also comprises (not shown) after paying the bill:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short message verification code to the binding of described financial payment account;
Step P52, user inputs on above-mentioned cell-phone number the short message verification code received, and is sent to above-mentioned financial payment central server by WiFi radio communication; Thus complete payment;
Wherein gathering action comprises as shown in Figure 8,
Step R1, user sets collection amount, selects gathering mode in default alternative financial payment mode, and confirms gathering;
Step R2, reads the result dressing checking action, as do not verified for user's identity or verify failure, then shows the information do not verified because of user's identity or verify and unsuccessfully cause gathering unsuccessful on electronics screen, terminates gathering; As then entered next step for user's authentication success;
Step R3, the Receiving information of the account name that the financial payment mode that contains set with step R1, described financial payment mode are corresponding and collection amount, generates the NFC electronics gathering label with certain timeliness;
Step R4, paying party reads the Receiving information on electronics gathering label by NFC near-field communication and pays, and user completes gathering.
Certainly, when embodiment 2 is wearable bank settlement device, it is possible to above-mentioned Wearable gathering and paying method, something in common is not repeated, and is described below with regard to difference below:
The described step S1 arranged in action is set by human skin sensor and fingerprint sensing device and stores the original identity skin information of user and original identity fingerprint information;
The step V2 of described wearing checking action, it is read the instant identity skin information of user by human skin sensor, compare with the original identity skin information of default user, read the instant identity fingerprint information of user by fingerprint sensing device, compare with the original identity fingerprint information of default user; As inconsistent in existed, then dressing checking outcome record is user's authentication failure, and user identity identification pilot lamp is in red; Then dressing checking outcome record as all consistent is user's authentication success, and user identity identification pilot lamp is in green;
Step P1 in described payment action is that the barcode default by scan articles or two-dimension code label read the payment information containing price and finance account;
Step R3 in described gathering action, the gathering label of generation is the barcode or Quick Response Code that are displayed on electronics screen, and in step R4, paying party reads the Receiving 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, a kind of mode judges whether this device is wearing state by temperature sensor or pressure transmitter, and another kind of mode is buckled by card or tactile button triggering circuit signal judges whether this device is wearing state.
Under this mode, user only need to dress bank settlement device and namely complete identification checking, as long as not taking off this device can repeatedly carry out bank settlement operation, originally the step repeatedly carrying out identification checking was needed when further reducing bank settlement action each time, and have pilot lamp intuitively to express user identity identification result, more succinctly, fast, 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 biosensor also can carry out combination setting according to demand, 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 signalling methodss of 3G, bluetooth, USB, for mutual with financial payment platform, computer, mobile phone or other electronic payment devices end messages. Pre-set and select the financial payment mode for bank settlement for user, can be more than one bank and/or more than one Third-party payment center.
Claims (13)
1. the portable bank settlement device of high security, comprising:
Memory module (1), for store user original identity information, for user select for the financial payment mode of bank settlement, described financial payment mode corresponding containing the financial payment accounts information of account name and password;
Payment information reads and arranges module (2) with Receiving information, for reading the payment information containing price and finance account that article are preset during payment; The Receiving information being used for the account name corresponding containing financial payment mode, described financial payment mode according to user's setting and collection amount during gathering, generates the gathering label with certain timeliness;
Terminal user ID identification module (3), for reading the original identity information of user by biosensor, and is stored in described memory module; Simultaneously for reading the instant identity information of user by biosensor, compare with the original identity information of user preset in memory module, complete identification and verification;
Communication module (4), for mutual with financial payment platform, computer, mobile phone, other electronic payment devices end messages;
Input/output module (5), comprises keyboard, electronics screen (51), for man-machine interaction;
Microcontroller (6), arranges the information interaction between module, terminal user ID identification module, memory module, communication module, input/output module for controlling the reading of payment information and Receiving information;
Described bank settlement device is wearable bank settlement device, and this wearable bank settlement device also comprises wearing induction module, while judging whether this device is wearing state, for completing the wearing checking action dressing the moment.
2. the portable bank settlement device of high security according to claim 1, it is characterized in that: for reading user's original identity information and the biosensor of the instant identity information of user in described terminal user ID identification module (3), it is one or more in pulse transducer (31), human body posture sensor, human skin sensor (33) or fingerprint Identification sensor (32).
3. the portable bank settlement device of high security according to claim 1, it is characterized in that: described payment information reads and arranges module (2) with Receiving information, comprise built-in NFC module (21), the payment information containing price and finance account that article described in being read by NFC near-field communication during for paying the bill are preset, generate NFC electronics gathering label according to described Receiving information during gathering, read described gathering label information for paying party by NFC near-field communication.
4. the portable bank settlement device of high security according to claim 1, it is characterized in that: described payment information reads and arranges module (2) with Receiving information, comprise built-in barcode scanning module (22), the payment information containing price and finance account that the article described in being read during for paying the bill are preset by scanning bar code or Quick Response Code; Barcode and two-dimensional code generation module (23), generate barcode or Quick Response Code gathering label, read gathering label information for paying party by scanning bar code or Quick Response Code according to described Receiving information during for collecting money.
5. the portable bank settlement device of high security according to claim 1, it is characterised in that: described communication module (4), comprises built-in WiFi module (41).
6. the portable bank settlement device of high security according to claim 5, it is characterised in that: described communication module (4), also comprise built-in 3G module, USB (43), bluetooth (42) one or more.
7. the portable bank settlement device of high security according to claim 1, it is characterised in that: the financial payment mode for user's selection stored in described memory module (1) is more than one bank and/or more than one Third-party payment center.
8. the portable bank settlement device of high security according to claim 1, it is characterized in that: the keyboard in described input/output module (5) is hard keyboard (52) or soft keyboard (53), and described electronics screen (51) is OLED screen.
9. the portable bank settlement device of high security according to claim 1, it is characterised in that: described bank settlement device is the wearable bank settlement device being built in watch or bangle or bracelet or ring.
10. the portable bank settlement device of high security according to claim 1, it is characterised in that: described bank settlement device is profile is wrist watch shape or the wearable bank settlement device of bracelet shape or ring shape.
The 11. portable bank settlement devices of high security according to claim 1, it is characterised in that: described wearing induction module comprises temperature sensor or pressure transmitter, judges whether this device is wearing state by warming or pressure sensitivity.
The 12. portable bank settlement devices of high security according to claim 1, it is characterised in that: described wearing induction module comprises card and buckles or tactile button, is buckled by card or tactile button triggering circuit signal judges whether this device is wearing state.
The 13. portable bank settlement devices of high security according to claim 1, it is characterised in that: described wearing checking action comprises,
Step V1, when wearable bank settlement device is not for dressing state, dresses checking outcome record and does not verify for user's identity;
Step V2, the non-state that arranges when dressing wearable bank settlement device, reads the instant identity information of user by biosensor, compares with the original identity information of default user; As inconsistent, then dressing checking outcome record is user's authentication failure; Then dressing checking outcome record as consistent is user's authentication success.
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