CN104182871A - Mobile payment system and smart wristband - Google Patents
Mobile payment system and smart wristband Download PDFInfo
- Publication number
- CN104182871A CN104182871A CN201410055619.2A CN201410055619A CN104182871A CN 104182871 A CN104182871 A CN 104182871A CN 201410055619 A CN201410055619 A CN 201410055619A CN 104182871 A CN104182871 A CN 104182871A
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- Prior art keywords
- mobile
- dynamic password
- payment system
- disburser
- mobile terminal
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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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a mobile payment system and a smart wristband. The mobile payment system consists of an identity verification module and an internet-connected mobile terminal, wherein the identity verification module is used for verifying the identity of payers and generating the information for the completion of payment transaction of the mobile terminal. Compared with the conventional mobile payment systems, the mobile payment system of this invention is equipped with the identity verification module, and the identity verification module is used for verifying the identities of payers; thus, the safety of the mobile payment system is enhanced, and the interests of users are guaranteed. The smart wristband of this invention has the functions of decoration and identity verification.
Description
Technical field
The present invention relates to a kind of mobile-payment system and intelligent bracelet.
Background technology
As everyone knows, mobile payment is to allow user to use its mobile terminal (normally mobile phone) consumed commodity or service to be carried out to a kind of method of service of account payment.Unit or individual by mobile terminal device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism and produce monetary payoff and capital transfer behavior, thereby realize mobile payment function.Mobile payment is merged mobile terminal device, internet, application provider and financial institution mutually, for user provides the financial business such as monetary payoff, payment.
Along with the development of mobile Internet, mobile-phone payment replaces traditional currency means of paying in cash just gradually.But in the situation that mobile phone is lost or usurped, there is very big hidden danger in user's fund.
Summary of the invention
The object of the invention is to, a kind of mobile-payment system is provided, it can strengthen the security of mobile-payment system, ensures user's interests.
The present invention is achieved through the following technical solutions: a kind of mobile-payment system, described mobile-payment system comprises authentication module and mobile terminal connected to the network, and described authentication module also generates for validation of payment person's identity the information that completes payment for described mobile terminal.
As the further improvement of technique scheme, described authentication module comprises electrocardiosignal identification part and dynamic password generating unit, described electrocardiosignal identification part is for verifying disburser's identity by detection and identification disburser's electrocardiosignal, described dynamic password generating unit for disburser's authentication by time generate dynamic password, described dynamic password completes the information of payment for described mobile terminal.
As the further improvement of technique scheme, between described authentication module and described mobile terminal, do not have connected directly or indirectly.
As the further improvement of technique scheme, described dynamic password generating unit has the display screen that shows dynamic password.
As the further improvement of technique scheme, described authentication module comprises fingerprint recognition portion and Bluetooth communication portion, described fingerprint recognition portion is for by detection and identification disburser's fingerprint, disburser's identity being verified, described Bluetooth communication portion is for communicating with described mobile terminal and the result of described fingerprint recognition portion being informed to described mobile terminal.
As the further improvement of technique scheme, described authentication module is bracelet.
As the further improvement of technique scheme, described authentication module is necklace, pendant, earrings, brooch, wrist-watch or glasses.
As the further improvement of technique scheme, described mobile terminal is mobile phone, panel computer or personal computer.
According to a further aspect in the invention, a kind of intelligent bracelet is also provided, this intelligence bracelet is for mobile-payment system, this intelligence bracelet can be worn on disburser's arm, described intelligent bracelet comprises electrocardiosignal identification part and dynamic password generating unit, described electrocardiosignal identification part is for verifying disburser's identity by detection and identification disburser's electrocardiosignal, described dynamic password generating unit for disburser's authentication by time generate dynamic password, described dynamic password has been to pay required information.
As the further improvement of technique scheme, described dynamic password generating unit has the display screen that shows dynamic password.
The invention has the beneficial effects as follows: compared to existing mobile-payment system, mobile-payment system of the present invention has additional authentication module, by authentication module, disburser's identity is verified, ensured to strengthen the security of mobile-payment system, ensure user's interests.
Brief description of the drawings
Fig. 1 is the schematic formation block diagram according to the first embodiment of mobile-payment system of the present invention;
Fig. 2 is the schematic formation block diagram according to the second embodiment of mobile-payment system of the present invention;
Fig. 3 is according to the schematic appearance of the intelligent bracelet of an embodiment of the invention;
Fig. 4 is the schematic appearance of the intelligent bracelet of embodiment according to a modification of this invention;
Number in the figure implication is as follows: 1000-mobile-payment system; 200-authentication module; 100-mobile terminal; 204-electrocardiosignal identification part; 202-dynamic password generating unit; 210-intelligence bracelet; 212-display screen; 214-starts button; 204A-fingerprint recognition portion; 202A-Bluetooth communication portion; 220-intelligence bracelet; 222-fingerprint recognition screen; 224-starts button.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is further detailed.
Describe embodiments of the invention below in detail, the example of described embodiment is shown in the drawings, and wherein same or similar label represents same or similar element or has the element of identical or similar functions from start to finish.Be exemplary below by the embodiment being described with reference to the drawings, only for explaining the present invention, and can not be interpreted as limitation of the present invention.Embodiments of the invention comprise all changes, amendment and the equivalent within the scope of spirit and the intension that falls into additional claims.
In description of the invention, it should be noted that, unless otherwise clearly defined and limited, term " is connected ", " connection " should be interpreted broadly, and for example, can be to be fixedly connected with, and can be also to removably connect, or connects integratedly; Can be mechanical connection, can be also electrical connection; Can be to be directly connected, also can indirectly be connected by intermediary.For the ordinary skill in the art, can concrete condition understand above-mentioned term concrete meaning in the present invention.In addition,, in description of the invention, except as otherwise noted, the implication of " multiple " is two or more.
The first embodiment
With reference to Fig. 1, the first embodiment of mobile-payment system of the present invention is described.Mobile-payment system 1000 comprises authentication module 200 and mobile terminal 100 connected to the network.Described authentication module 200 is for validation of payment person's identity, and generation completes the information of payment for described mobile terminal 100.
In the present embodiment, between described authentication module 200 and described mobile terminal 100, do not have connected directly or indirectly.In other words, asemantic exchange between described authentication module 200 and described mobile terminal 100.Thus, can save the cost of communication aspects.
Wherein, described mobile terminal 100 can be mobile phone, panel computer or personal computer.
Described authentication module 200 can be intelligent bracelet 210 as shown in Figure 3.Intelligence bracelet 210 can be worn at disburser on hand, has concurrently and pays and decoration functions.But authentication module 200 can be also necklace, pendant, earrings, brooch, wrist-watch or glasses.
In the present embodiment, described authentication module 200 comprises electrocardiosignal identification part 204 and dynamic password generating unit 202.Described electrocardiosignal identification part 204 is verified disburser's identity for the electrocardiosignal by detection and identification disburser.Described dynamic password generating unit 202 for disburser's authentication by time generate dynamic password, described dynamic password completes for described mobile terminal 100 the required information that pays.
Compare with traditional human body biological characteristics method of identification, utilize the method for electrocardiosignal identification disburser's identity to there is advantage.Electrocardiosignal be human heart beat produce biopotential, the electrocardiosignal of human body is analyzed, its result, as biological characteristic, can be used for identifying people's identity.Because interpersonal cardiac position, size and cardiac structure are not identical, everyone electrocardiosignal is unique.Dynamic password is to generate a uncertain random digit combination according to special algorithm, and each password can only use once.Dynamic password is a kind of anti-theft technique of safe and convenient, can effectively protect the authentication security of transaction and login, adopts dynamic password just without periodic modification password, and safety is saved worry.
As shown in Figure 3, described dynamic password generating unit 202 has the display screen 212 that shows dynamic password.In addition, described authentication module 200 also has the button 214 of startup.
Then, the course of work of the first embodiment to mobile-payment system describes.Determine after institute's product of purchasing or service disburser, enter payment interface, now mobile-payment system requires disburser to input dynamic password.Then, disburser is by pressing intelligent bracelet 210(authentication module 200) on startup button 214, activate electrocardiosignal identification part 204.Disburser's electrocardiosignal is measured in electrocardiosignal identification part 204, by the electrocardiosignal of measurement be pre-stored within comparing in the data store of electrocardiosignal identification part 204 and compare with electrocardiosignal.Wherein, comparison is for example the owner's of mobile terminal and intelligent bracelet electrocardiosignal with electrocardiosignal.When the electrocardiosignal of measuring is when being pre-stored within comparing in the data store of electrocardiosignal identification part 204 and mating with electrocardiosignal, the information that the 204 transmission expression authentications of electrocardiosignal identification part are passed through is to dynamic password generating unit 202, dynamic password generating unit 202 generates dynamic password, and shows dynamic password on display screen 212.When the electrocardiosignal of measuring is when being pre-stored within comparing in the data store of electrocardiosignal identification part 204 and not mating with electrocardiosignal, electrocardiosignal identification part 204 sends and represents that the unsanctioned information of authentication is to dynamic password generating unit 202, dynamic password generating unit 202 does not generate dynamic password, and on display screen 212, shows the unsanctioned information of expression authentication.When disburser's authentication is passed through, while showing dynamic password on display screen 212, disburser inputs dynamic password on the corresponding position of payment interface, completes payment.
The second embodiment
With reference to Fig. 2, the second embodiment of mobile-payment system of the present invention is described.Mobile-payment system 1000A comprises authentication module 200A and mobile terminal 100A connected to the network.Described authentication module 200A is for validation of payment person's identity, and generation completes the information of payment for described mobile terminal 100A.
Wherein, described mobile terminal 100A is mobile phone.But described mobile terminal can be also other mobile terminals such as panel computer.
Described authentication module 200A can be intelligent bracelet 220 as shown in Figure 4.Intelligence bracelet 220 can be worn at disburser on hand, has concurrently and pays and decoration functions.But authentication module 200A can be also necklace, pendant, earrings, brooch, wrist-watch or glasses.
In the present embodiment, described authentication module 200A comprises the 204A of fingerprint recognition portion and the 202A of Bluetooth communication portion.The described fingerprint recognition 204A of portion is for verifying disburser's identity by detection and identification disburser's fingerprint.The described Bluetooth communication 202A of portion is for communicating with described mobile terminal 100A and the result of the described fingerprint recognition 204A of portion being informed to described mobile terminal 100.
As shown in Figure 4, the described fingerprint recognition 204A of portion has fingerprint recognition screen 222.Described authentication module 200A also has the button 224 of startup.
Then, the course of work of the second embodiment to mobile-payment system describes.Determine after institute's product of purchasing or service disburser, enter payment interface, now mobile-payment system prompting disburser is shielded the finger abdomen of specific finger on 222 by being pressed in fingerprint recognition.Then, disburser presses intelligent bracelet 220(authentication module 200A) on startup button 224, activate the 204A of fingerprint recognition portion.The 204A of fingerprint recognition portion scanning is by the fingerprint that is pressed in the disburser on fingerprint recognition screen 222, by the fingerprint of measurement be pre-stored within comparing in the data store of the 204A of fingerprint recognition portion and compare with fingerprint.Wherein, comparison is for example the owner's of mobile terminal and intelligent bracelet fingerprint with fingerprint.When the fingerprint of measuring is when being pre-stored within comparing in the data store of the 204A of fingerprint recognition portion and use fingerprint matching, the 204A of fingerprint recognition portion sends information that expression authentication passes through to mobile terminal 100A by the 202A of Bluetooth communication portion.When the fingerprint of measuring is when being pre-stored within comparing in the data store of the 204A of fingerprint recognition portion and not mating with fingerprint, the 204A of fingerprint recognition portion sends the unsanctioned information of expression authentication to mobile terminal 100A by the 202A of Bluetooth communication portion.When disburser's authentication is passed through, mobile-payment system passes through in payment interface demonstration authentication, then completes payment.
The present invention also provides a kind of intelligent bracelet 210.As shown in figures 1 and 3, this intelligence bracelet 210 is for the authentication of mobile-payment system 1000.Described intelligent bracelet 210 comprises electrocardiosignal identification part 204 and dynamic password generating unit 202.Described electrocardiosignal identification part 204 is verified disburser's identity for the electrocardiosignal by detection and identification disburser.Described dynamic password generating unit 202 for disburser's authentication by time generate dynamic password, described dynamic password has been to pay required information.Described dynamic password generating unit 202 has the display screen 212 that shows dynamic password.Intelligence bracelet 210 is the authentication module 200 in the first embodiment, and its principle and the course of work, with reference to the associated description in the first embodiment, repeat no more.
Although illustrated and described embodiments of the invention, those having ordinary skill in the art will appreciate that: in the situation that not departing from principle of the present invention and aim, can carry out multiple variation, amendment, replacement and modification to these embodiment, scope of the present invention is limited by claim and equivalent thereof.
Claims (10)
1. a mobile-payment system, is characterized in that, described mobile-payment system comprises authentication module and mobile terminal connected to the network, and described authentication module also generates for validation of payment person's identity the information that completes payment for described mobile terminal.
2. mobile-payment system according to claim 1, it is characterized in that, described authentication module comprises electrocardiosignal identification part and dynamic password generating unit, described electrocardiosignal identification part is for verifying disburser's identity by detection and identification disburser's electrocardiosignal, described dynamic password generating unit for disburser's authentication by time generate dynamic password, described dynamic password completes the information of payment for described mobile terminal.
3. mobile-payment system according to claim 2, is characterized in that, does not have connected directly or indirectly between described authentication module and described mobile terminal.
4. mobile-payment system according to claim 2, is characterized in that, described dynamic password generating unit has the display screen that shows dynamic password.
5. mobile-payment system according to claim 1, it is characterized in that, described authentication module comprises fingerprint recognition portion and Bluetooth communication portion, described fingerprint recognition portion is for by detection and identification disburser's fingerprint, disburser's identity being verified, described Bluetooth communication portion is for communicating with described mobile terminal and the result of described fingerprint recognition portion being informed to described mobile terminal.
6. mobile-payment system according to claim 1, is characterized in that, described authentication module is bracelet.
7. mobile-payment system according to claim 1, is characterized in that, described authentication module is necklace, pendant, earrings, brooch, wrist-watch or glasses.
8. mobile-payment system according to claim 1, is characterized in that, described mobile terminal is mobile phone, panel computer or personal computer.
9. an intelligent bracelet, for mobile-payment system, it is characterized in that, described intelligent bracelet comprises electrocardiosignal identification part and dynamic password generating unit, described electrocardiosignal identification part is for verifying disburser's identity by detection and identification disburser's electrocardiosignal, described dynamic password generating unit for disburser's authentication by time generate dynamic password, described dynamic password has been to pay required information.
10. intelligent bracelet according to claim 9, is characterized in that, described dynamic password generating unit has the display screen that shows dynamic password.
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CN201410055619.2A CN104182871A (en) | 2014-02-19 | 2014-02-19 | Mobile payment system and smart wristband |
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Cited By (25)
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CN104636926A (en) * | 2015-03-09 | 2015-05-20 | 苏州海博智能系统有限公司 | Wearing equipment |
CN104850827A (en) * | 2015-04-23 | 2015-08-19 | 小米科技有限责任公司 | Fingerprint identification method and apparatus |
CN104850769A (en) * | 2015-04-27 | 2015-08-19 | 小米科技有限责任公司 | Method and device for executing operation |
CN104850995A (en) * | 2015-04-27 | 2015-08-19 | 小米科技有限责任公司 | Operation executing method and device |
CN104992092A (en) * | 2015-06-16 | 2015-10-21 | 小米科技有限责任公司 | Method, device and system for fingerprint information verification |
CN105093911A (en) * | 2015-09-07 | 2015-11-25 | 浙江维尔科技股份有限公司 | Intelligent watch |
CN105224081A (en) * | 2015-09-22 | 2016-01-06 | 东南大学 | There is the Intelligent bracelet of fingerprint identification module and carry out the method for mobile payment with it |
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CN105550862A (en) * | 2015-06-26 | 2016-05-04 | 宇龙计算机通信科技(深圳)有限公司 | Identity authentication method for mobile payment, authentication terminal, and payment terminal |
WO2016095403A1 (en) * | 2014-12-15 | 2016-06-23 | 捷开通讯(深圳)有限公司 | Wearable device with payment function and method for implementing payment function |
CN105765614A (en) * | 2015-09-23 | 2016-07-13 | 深圳还是威健康科技有限公司 | Payment method and intelligent wristband |
CN105843385A (en) * | 2016-03-21 | 2016-08-10 | 联想(北京)有限公司 | Information processing method and electronic device |
CN106204809A (en) * | 2015-05-06 | 2016-12-07 | 国民技术股份有限公司 | A kind of communication safety device and use its mobile terminal |
WO2016170445A3 (en) * | 2015-04-24 | 2016-12-15 | Andrew Zhou | Wearable personal digital device for facilitating mobile device payments and personal use |
CN106296160A (en) * | 2015-05-12 | 2017-01-04 | 广州杰赛科技股份有限公司 | The acquisition of information of a kind of position association and authentication method |
CN106296204A (en) * | 2015-05-13 | 2017-01-04 | 广州杰赛科技股份有限公司 | A kind of convenient shopping and method of mobile payment |
CN106303937A (en) * | 2015-05-12 | 2017-01-04 | 广州杰赛科技股份有限公司 | Orientation authentication device based on bluetooth |
WO2017020630A1 (en) * | 2015-08-05 | 2017-02-09 | 腾讯科技(深圳)有限公司 | Method, apparatus and system for processing order information |
WO2017031987A1 (en) * | 2015-08-27 | 2017-03-02 | 宇龙计算机通信科技(深圳)有限公司 | Information processing method and device, and terminal |
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CN105093911A (en) * | 2015-09-07 | 2015-11-25 | 浙江维尔科技股份有限公司 | Intelligent watch |
CN105224081A (en) * | 2015-09-22 | 2016-01-06 | 东南大学 | There is the Intelligent bracelet of fingerprint identification module and carry out the method for mobile payment with it |
CN105765614A (en) * | 2015-09-23 | 2016-07-13 | 深圳还是威健康科技有限公司 | Payment method and intelligent wristband |
CN105320864A (en) * | 2015-10-28 | 2016-02-10 | 广东欧珀移动通信有限公司 | Method and apparatus for processing event operation |
CN106490777A (en) * | 2015-12-11 | 2017-03-15 | 奇酷互联网络科技(深圳)有限公司 | Motion bracelet |
CN105843385A (en) * | 2016-03-21 | 2016-08-10 | 联想(北京)有限公司 | Information processing method and electronic device |
EP3457656B1 (en) * | 2016-05-11 | 2022-04-06 | Advanced New Technologies Co., Ltd. | Identity verification method and system, and intelligent wearable device |
CN106897693B (en) * | 2017-02-23 | 2021-01-08 | 深圳先进技术研究院 | Identity recognition method, device and system |
CN106897693A (en) * | 2017-02-23 | 2017-06-27 | 深圳先进技术研究院 | A kind of personal identification method, apparatus and system |
CN108647961A (en) * | 2018-04-26 | 2018-10-12 | 华南理工大学 | Digital cash wallet based on electrocardiosignal authentication |
CN112686670A (en) * | 2020-12-31 | 2021-04-20 | 交通银行股份有限公司 | Bank branch real-time information interaction system and method based on smart band |
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