CN104361492A - Embedded electronic wallet and payment method thereof - Google Patents
Embedded electronic wallet and payment method thereof Download PDFInfo
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- CN104361492A CN104361492A CN201410613090.1A CN201410613090A CN104361492A CN 104361492 A CN104361492 A CN 104361492A CN 201410613090 A CN201410613090 A CN 201410613090A CN 104361492 A CN104361492 A CN 104361492A
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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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 provides an embedded electronic wallet and a payment method thereof. The embedded electronic wallet comprises a fingerprint identification module, a fingerprint information conversion module, a user personal identification code setting module, an electronic wallet management module and a communication module. The fingerprint identification module is connected with the fingerprint information conversion module, and the electronic wallet management module is connected with the fingerprint information conversion module, the user personal identification code setting module and the communication module. The automatic fingerprint identification technique is adopted for substituting for the method that user personal identification codes are inputted by an existing bankcard keypad to serve as personal identification, so that security of bankcards is improved greatly; besides, the communication module is compatible to various transaction terminal devices, so that multiple transaction modes can be coped with, and the problem of inconvenience in carrying multiple cars by users is solved.
Description
Technical field
The present invention relates to a kind of stored value card, particularly a kind of embedded electronic wallet and method of payment thereof.
Background technology
Along with the progress of human society and the fast development of science and technology, the mankind start to march toward the intellectuality society turning to platform with digitizing, network.Compare with paying in cash, various bank card, consumption card, because it is easy to carry, it is convenient and swift more and more by everybody approval to use safely, have become at present one of means of payment the most widely.At present with bank card, consumption card for carrier, concluded the business on the transaction terminal devices such as ATM POS by fixed network, private network transmission Transaction Information.Country, bank and businessman this has been huge input, define a complete trade system, and consumer have been familiar with defining consumption habit.So in recent years, take internet as the Web bank of transmission means, and be that the mobile phone wallet of transmission means obtains and develops rapidly with wireless mobile network, but these just belong to supplementing of mode of doing business and more more options.In visible future, with bank card, consumption card, it will be main flow that existing transaction terminal device ATM, POS carry out transaction by fixed network, private network transmission.But in order to tackle various payout status, people often need to carry multiple cards multiple, and this just carries to user and use is made troubles, and what more paid close attention to by everybody is bank card, and particularly magnetic strip bank card, is easily replicated, security deficiency.Thus bringing loss to user, this has been thing of common occurrence.Therefore existing transaction platform resource should be made full use of, as magnetic strip bank card, fixed network and private network, existing ATM and POS etc., improve again bank card, consumption card security and portably use the deficiency that convenience exists, this is a problem in the urgent need to address.
Summary of the invention
In view of this, be necessary to provide a kind of utilize the security of existing transaction platform resource high and easy to carry embedded electronic wallet and method of payment.
A kind of embedded electronic wallet, comprise fingerprint identification module, finger print information modular converter, individual subscriber identification code arrange module, wallet administration module and communication module, described fingerprint identification module is connected with finger print information modular converter, described wallet administration module respectively with finger print information modular converter, individual subscriber identification code arranges module and communication module is connected; Wherein,
Described fingerprint identification module for scanning and gathering the finger print information of registered user and the finger print information of active user, and sends finger print information modular converter to;
Described finger print information modular converter is used for setting up registration wallet password and real-time wallet password respectively according to the finger print information of registered user and the finger print information of active user, relatively registration wallet password and real-time wallet password, pass to wallet administration module by comparative result;
Described individual subscriber identification code arranges module and sets up an individual subscriber identification code corresponding with the finger print information of registered user for the every identity identification information arranged according to registered user;
The comparative result that described wallet administration module is used for passing over according to finger print information modular converter is selected whether to send individual subscriber identification code to transaction system terminal;
Described communication module is for starting network service and the network set up between stored value card with transaction terminal is connected.
A kind of embedded electronic wallet, comprise fingerprint identification module, finger print information modular converter, identification parameter arrange module, wallet administration module and communication module, described fingerprint identification module is connected with finger print information modular converter, and described wallet administration module arranges module with finger print information modular converter, identification parameter respectively and communication module is connected; Wherein,
Described fingerprint identification module for scanning and gathering the finger print information of registered user and the finger print information of active user, the go forward side by side fingerprint feature information of onestep extraction registered user and the fingerprint feature information of active user, and send finger print information modular converter to;
Described finger print information modular converter sets up registration wallet password and real-time wallet password respectively according to the finger print information of the finger print information of registered user and active user, relatively registration wallet password and real-time wallet password, pass to wallet administration module by comparative result;
Described identification parameter arranges module sets up an individual subscriber identification code corresponding with the finger print information of registered user formation parameter for the every identity identification information arranged according to registered user;
The comparative result that described wallet administration module is used for passing over according to finger print information modular converter selects the formation parameter of whether releasing user PIN (Personal Identification Number);
Described communication module is for starting network service and the network set up between stored value card with transaction terminal is connected.
A kind of embedded electronic wallet method of payment, described embedded electronic wallet method of payment comprises the following steps:
The finger print information of S1, scanning recognition registered user, generates a registration wallet password according to the finger print information of registered user, and sets up an individual subscriber identification code corresponding with the finger print information of registered user;
The finger print information of S2, identification active user, the finger print information according to active user generates a real-time wallet password;
S3, comparison according to registration wallet password and real-time wallet password, select whether to send individual subscriber identification code to transaction system terminal, if be consistent, then send individual subscriber identification code and conclude the business to transaction terminal, if do not meet, then send and do not mate information prompting active user.
A kind of embedded electronic wallet method of payment, described embedded electronic wallet method of payment comprises the following steps:
The finger print information of S1, scanning recognition registered user, generates a registration wallet password according to the finger print information of registered user, and sets up the formation parameter of individual subscriber identification code in conjunction with every identity identification information that registered user is arranged;
The finger print information of S2, identification active user, the finger print information according to active user generates a real-time wallet password;
S3, comparison according to registration wallet password and real-time wallet password, select the formation parameter of whether releasing user PIN (Personal Identification Number); If be consistent, then the formation parameter of releasing user PIN (Personal Identification Number) generates individual subscriber identification code, and sends to transaction terminal to conclude the business; If do not meet, then send and do not mate information prompting active user.
A kind of embedded electronic wallet of the present invention and method of payment thereof, make the security of bank card improve energetically by the method adopting the existing bank card input through keyboard individual subscriber identification code of fingerprint automation recognition technical substitution to make person identification.And communication module can compatible multi-exchange terminal device, therefore can tackle multi-exchange mode, solve inconvenience that user need carry multiple cards.Embedded electronic wallet of the present invention directly can dock with existing transaction terminal device and use simultaneously, make the huge storage resources now dropped into, magnetic strip bank card, ATM, POS etc. can be utilized better, and the embedding of embedded electronic wallet is installed on wrist-watch, in mobile phone, make mobile phone or wrist-watch namely become one and there is several functions, cover the mobile electronic payment instrument of exchange of multi-exchange mode, solve existing bank card to carry in security, the deficiency that ease of use exists, existing huge resource is made again to utilize better, that a kind of line that can cover is reached the standard grade the instrument of exchange of lower multi-exchange mode.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of embedded electronic wallet of the present invention;
Fig. 2 is the structured flowchart increasing memory module in Fig. 1;
Fig. 3 is the structured flowchart increasing touch screen display module in Fig. 2;
Fig. 4 is the structured flowchart of embedded electronic wallet described in the embodiment of the present invention 1;
Fig. 5 is the circuit theory diagrams of embedded electronic wallet described in the embodiment of the present invention 1.
Fig. 6 is the process flow diagram of the method for payment of the embedded electronic wallet of a preferred embodiment of the present invention;
Fig. 7 is the sub-process figure of step S1 in Fig. 6;
Fig. 8 is the sub-process figure of step S2 in Fig. 6;
Fig. 9 is the sub-process figure of step S3 in Fig. 6;
Figure 10 is the workflow schematic diagram of the method for payment of the embedded electronic wallet of one embodiment of the invention;
Figure 11 is the process flow diagram of the method for payment of the embedded electronic wallet of another preferred embodiment of the present invention;
Figure 12 is the workflow schematic diagram of the method for payment of the embedded electronic wallet of another embodiment of the present invention;
Figure 13 is the sub-process figure of step S3 in Figure 11;
Figure 14 is the workflow schematic diagram of the method for payment of the embedded electronic wallet of another embodiment of the present invention.
embodiment
As shown in Figure 1, the embodiment of the present invention also provides a kind of embedded electronic wallet, comprise fingerprint identification module 10, finger print information modular converter 20, individual subscriber identification code arrange module 30, wallet administration module 40 and communication module 50, fingerprint identification module 10 is connected with finger print information modular converter 20, and wallet administration module 40 arranges module 30 with finger print information modular converter 20, individual subscriber identification code respectively and communication module 50 is connected; Wherein,
Described fingerprint identification module 10 for scanning and gathering the finger print information of registered user and the finger print information of active user, and sends finger print information modular converter 20 to; Module or scatter data that the fingerprint identification information that described fingerprint identification module 10 provides can also need identity identification information with other, form new product function.
Described finger print information modular converter 20 sets up registration wallet password and real-time wallet password respectively according to the finger print information of the finger print information of registered user and active user, relatively registration wallet password and real-time wallet password, pass to wallet administration module 40 by comparative result;
Described individual subscriber identification code arranges module 30 and sets up an individual subscriber identification code corresponding with the finger print information of registered user for the every identity identification information arranged according to registered user;
Described wallet administration module 40 is selected whether to send individual subscriber identification code to transaction system terminal for the comparative result passed over according to finger print information modular converter 20;
Described communication module 50 is for starting network service and the network set up between stored value card with transaction terminal is connected.Described communication module 50 includes wireless near field communication unit 51, RFCO2 laser communication unit 52, usb communication unit 53.
Concrete, described wallet administration module 40 receives the comparative result that finger print information modular converter 20 transmits, if be consistent, then releasing user PIN (Personal Identification Number) is to communication module 50, conclude the business with transaction terminal, if do not meet, then send and do not mate information prompting active user.
Further, described fingerprint identification module 10 comprises fingerprint image acquisition unit 11, Finger print characteristic abstract unit 12, fingerprint matching unit 13, wherein, Finger print characteristic abstract unit 12, for extracting registered fingerprint characteristic information further to the finger print information of registered user, extracts real time fingerprint characteristic information further to the finger print information of active user.
Further, as shown in Figure 2, described embedded electronic wallet also comprises a memory module 60, described memory module 60 have at least one be have protocol authentication function protocol authentication card or there is encrypting and decrypting authentication function CPU card type storer, and some important informations are comprised user fingerprints characteristic information, wallet password, PIN (Personal Identification Number), and bank account information is respectively stored in memory module 60.
Further, as shown in Figure 3, described embedded electronic wallet also has a touch screen display module 70, described touch screen display module 70 arranges module 30 with described fingerprint identification module 10, individual subscriber identification code, wallet administration module 40 is connected, for the typing of fingerprint and the setting of personal information, show Transaction Information simultaneously.
The embodiment of the present invention also provides another kind of embedded electronic wallet, comprises fingerprint identification module 10, finger print information modular converter 20, identification parameter arrange module 80, wallet administration module 40 and communication module 50; Fingerprint identification module 10 is connected with finger print information modular converter 20, and wallet administration module 40 arranges module 30 with finger print information modular converter 20, identification parameter respectively and communication module 50 is connected; Wherein,
Described fingerprint identification module 10 for scanning and gathering the finger print information of registered user and the finger print information of active user, the go forward side by side fingerprint feature information of onestep extraction registered user and the fingerprint feature information of active user, and send finger print information modular converter 20 to;
Described finger print information modular converter 20 is for setting up registration wallet password and real-time wallet password respectively according to the finger print information of registered user and the finger print information of active user, relatively registration wallet password and real-time wallet password, pass to wallet administration module 40 by comparative result;
Described identification parameter arranges module 80 sets up an individual subscriber identification code corresponding with the finger print information of registered user formation parameter for the every identity identification information arranged according to registered user;
Described wallet administration module 40 selects the formation parameter of whether releasing user PIN (Personal Identification Number) for the comparative result passed over according to finger print information modular converter 20;
Described communication module 50 is for starting network service and the network set up between stored value card with transaction terminal is connected.
Concrete, described wallet administration module 40 receives the comparative result that finger print information modular converter 20 transmits, if be consistent, then the formation parameter of releasing user PIN (Personal Identification Number) generates individual subscriber identification code, and sends to communication module 50 and transaction terminal to conclude the business; If do not meet, then send and do not mate information prompting active user.
Embedded electronic wallet of the present invention can also by fingerprint feature information, and the storage transmission of PIN (Personal Identification Number) adds encrypting and decrypting measure, improves security.All with all, no matter which kind of mode is all transaction PIN (Personal Identification Number) fingerprint identification information being converted to energy and transaction terminal device docking, for transaction.Meanwhile, described fingerprint identification module 10, finger print information modular converter 20, wallet administration module 40 and communication module 50 all may be incorporated in a microcontroller and realize.
Embodiment 1
As shown in Figure 4, embedded electronic wallet is embedded and is installed in the product of Wrist-wearing, become a wrist type stored value card.Described embedded electronic wallet comprises fingerprint identification module 10, finger print information modular converter 20, individual subscriber identification code arranges module 30, wallet administration module 40, communication module 50, memory module 60, touch screen display module 70, wherein, described fingerprint identification module 10 also comprises fingerprint image acquisition unit 11, Finger print characteristic abstract unit 12, fingerprint matching unit 13, described communication module 50 includes wireless near field communication unit 51, RFCO2 laser communication unit 52, usb communication unit 53, described fingerprint image acquisition unit 11 and Finger print characteristic abstract unit 12, fingerprint matching module 13 connects successively, the output terminal of fingerprint matching module 13 is connected with the input end of finger print information modular converter 20, finger print information modular converter 20 output terminal connects the input end of wallet administration module 40, wallet administration module 40 also respectively with communication module 50, memory module 60, touch screen display module 70 connects.The input end of the wireless communication unit 51 wherein in communication module 50, RFCO2 laser communication unit 52, usb communication unit 53 is all connected with the output terminal of described wallet administration module 40.Described fingerprint image acquisition unit 11 is installed on watchband, and all the other modular units except fingerprint image acquisition unit 11 are installed in watchcase.
As shown in Figure 5, wrist type stored value card described in the present embodiment, adopt microcontrol processor 8098, storer EPROM27128, E2PROM28256 and latch 74LS373, the system of 74LS139 external address decoder composition, realize Finger print characteristic abstract submodule 12, fingerprint matching submodule 13, finger print information modular converter 20. wallet administration module 40, the function of storer 60 is carried out integrated, adopt chip 8155 to make outside Extended Capabilities Port simultaneously and be used as keyboard and display port, the outside Extended Capabilities Port of chip 8255 is used as the transmit port of communication module 50.Fingerprint image acquisition submodule 11 is connected with the P3 interface of microcontrol processor 8098 after Phototube Coupling, for improving security, the important information of AT88SC1608 protocol authentication card to stored value card is set and is encrypted storage, as: individual subscriber identification code, wallet the bank card information etc. of being deposited.Only have after authentication check is passed through, the information that this certification card stores just can discharge use.
As shown in Figure 6, the invention provides a kind of embedded electronic wallet method of payment, described embedded electronic wallet method of payment comprises the following steps:
The finger print information of S1, scanning recognition registered user, generates a registration wallet password according to the finger print information of registered user, and sets up an individual subscriber identification code corresponding with the finger print information of registered user.
By the finger print information of registered user being converted to registration wallet password, conveniently carrying out digitizing and comparing, an individual subscriber identification code corresponding with the finger print information of registered user being set simultaneously, can reading and certification for transaction system terminal.
Particularly, as shown in Figure 7, described step S1 comprises following sub-step:
S11, scanning identify the finger print information of registered user, the finger print information according to described registered user extracts registered fingerprint characteristic information;
S12, generate registration wallet password according to described registered fingerprint characteristic information;
S13, the every identity identification information arranged according to user set up individual subscriber identification code, and described individual subscriber identification code is corresponding with registering wallet password;
S14, described registration wallet password and individual subscriber identification code to be stored.
Concrete, by carrying out the extraction of fingerprint feature information to finger print information, the identification can carrying out personal identification is more accurately distinguished, and makes the protection of fingerprint recognition system higher.
The finger print information of S2, identification active user, the finger print information according to active user generates a real-time wallet password;
Alternatively, as shown in Figure 8, described step S2 comprises following sub-step:
S21, scanning identify the finger print information of active user, the finger print information according to described active user extracts real time fingerprint characteristic information;
S22, real time fingerprint characteristic information is converted into real-time wallet password;
S3, comparison according to registration wallet password and real-time wallet password, select whether to send individual subscriber identification code to transaction system terminal, if be consistent, then send individual subscriber identification code and conclude the business to transaction terminal, if do not meet, then send and do not mate information prompting active user.
Alternatively, as shown in Figure 9, described step S3 comprises following sub-step:
S31, start network service the network set up between stored value card with transaction system terminal and be connected;
Concrete, by being connected with the network of setting up between transaction terminal, multi-exchange mode can be tackled, solving the inconvenience that user need carry multiple cards.
S32, comparison according to registration wallet password and real-time wallet password, select whether to send individual subscriber identification code to transaction system terminal;
If S33 is consistent, then sends individual subscriber identification code and conclude the business to transaction terminal, if do not meet, then send and do not mate information prompting active user.
10 be described the workflow of embedded electronic wallet method of payment of the present invention by reference to the accompanying drawings, detailed process is as follows:
Step 1: scan and identify the finger print information of registered user, the finger print information according to described registered user extracts registered fingerprint characteristic information, then enters step 2.
Step 2: generate registration wallet password according to described registered fingerprint characteristic information, and store, enter step 3.
Step 3: set up individual subscriber identification code according to every identity identification information that user is arranged, and store, enter step 4.
Step 4: scan and identify the finger print information of active user, the finger print information according to described active user extracts real time fingerprint characteristic information, enters step 5.
Step 5: generate real-time wallet password according to real time fingerprint characteristic information, enter step 6.
Step 6: start network service the network set up between stored value card with transaction system terminal and be connected, enter step 7.
Step 7: according to the comparison of registering wallet password and real-time wallet password, selects whether to send individual subscriber identification code to transaction system terminal, if be consistent, then enters step 8; If do not meet, then enter step 9.
Step 8: send individual subscriber identification code and conclude the business to transaction terminal.
Step 9: send and do not mate information prompting active user.
As shown in figure 11, the present invention also provides another embedded electronic wallet method of payment, and described embedded electronic wallet method of payment comprises the following steps:
The finger print information of S1, scanning recognition registered user, generates a registration wallet password according to the finger print information of registered user, and sets up an individual subscriber identification code corresponding with the finger print information of registered user.
Alternatively, as shown in figure 12, described step S1 comprises following sub-step:
S11, scanning identify the finger print information of registered user, the finger print information according to described registered user extracts registered fingerprint characteristic information;
S12, generate registration wallet password according to described registered fingerprint characteristic information;
S13, the every identity identification information arranged in conjunction with registered user set up the formation parameter of individual subscriber identification code, and the formation parameter of described individual subscriber identification code is corresponding with registering wallet password;
S14, the formation parameter of described registration wallet password and individual subscriber identification code to be stored.
The finger print information of S2, identification active user, the finger print information according to active user generates a real-time wallet password;
Alternatively, described step S2 comprises following sub-step:
S21, scanning identify the finger print information of active user, the finger print information according to described active user extracts real time fingerprint characteristic information;
S22, real time fingerprint characteristic information is converted into real-time wallet password;
Alternatively, as shown in figure 13, described step S3 comprises following sub-step:
S31, start network service the network set up between stored value card with transaction terminal and be connected;
S32, comparison according to registration wallet password and real-time wallet password, select the formation parameter of whether releasing user PIN (Personal Identification Number);
If S33 is consistent, then the formation parameter of releasing user PIN (Personal Identification Number) generates individual subscriber identification code, and sends to transaction terminal to conclude the business; If do not meet, then send and do not mate information prompting active user.
14 be described the workflow of another embedded electronic wallet method of payment of the present invention by reference to the accompanying drawings, detailed process is as follows:
Step 1: scan and identify the finger print information of registered user, the finger print information according to described registered user extracts registered fingerprint characteristic information, then enters step 2.
Step 2: generate registration wallet password according to described registered fingerprint characteristic information, and store, enter step 3.
Step 3: the every identity identification information in conjunction with registered user's setting sets up the formation parameter of individual subscriber identification code, and stores, and enters step 4.
Step 4: scan and identify the finger print information of active user, the finger print information according to described active user extracts real time fingerprint characteristic information, enters step 5.
Step 5: real time fingerprint characteristic information is converted into real-time wallet password, enters step 6.
Step 6: start network service the network set up between stored value card with transaction system terminal and be connected, enter step 7.
Step 7: according to registration wallet password and the comparison of real-time wallet password, selects the formation parameter of whether releasing user PIN (Personal Identification Number); If be consistent, then enter step 8; If do not meet, then enter step 9.
Step 8: the formation parameter of releasing user PIN (Personal Identification Number) generates individual subscriber identification code, and sends to transaction terminal to conclude the business.
Step 9: send and do not mate information prompting active user.
A kind of embedded electronic wallet of the present invention and method of payment thereof, make the security of bank card improve energetically by the method making person identification by the existing bank card input through keyboard individual subscriber identification code of fingerprint automation recognition technical substitution.And the compatible multi-exchange terminal device of communication module, multi-exchange mode can be tackled, solve the inconvenience that user need carry multiple cards.Adopt embedded electronic wallet of the present invention, existing transaction terminal device is made not need to change or do to change just to dock with it a little to use, thus the huge storage resources, magnetic strip bank card, ATM, POS etc. now dropped into can be utilized better, be also convenient to promoting the use of of this stored value card simultaneously.Be installed on wrist-watch by being embedded by embedded electronic wallet simultaneously, in mobile phone, make mobile phone or wrist-watch namely become one and there is several functions, cover the mobile electronic payment instrument of exchange of multi-exchange mode, can carry out with bank card fund for account, internet is the shopping online transaction of transmission channel; Or bank that is direct and banking terminal docking deposits, withdraws, business of being transferred to civilian work; Also can carry out businessman's POS and carry out purchase transaction under line with telephone network, financial private network passage.The deficiency solving that existing bank card carries in security, ease of use exists, makes again existing huge resource utilize better, is that a kind of line that can cover is reached the standard grade the instrument of exchange of lower multi-exchange mode.
Above device embodiment and embodiment of the method are one to one, and the simple part of device embodiment, see embodiment of the method.
In this instructions, each embodiment adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar portion mutually see.
Professional can also recognize further, in conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, in the above description according to the functional composition and the step that generally describe each example.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not exceed scope of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can directly use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in random access memory, internal memory, ROM (read-only memory), electrically programmable ROM, electricity can sassafras except any other forms of storage medium known in programming ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
By reference to the accompanying drawings embodiments of the invention are described above; but the present invention is not limited to above-mentioned embodiment; above-mentioned embodiment is only schematic; instead of it is restrictive; those of ordinary skill in the art is under enlightenment of the present invention; do not departing under the ambit that present inventive concept and claim protect, also can make a lot of form, these all belong within protection of the present invention.
Claims (10)
1. an embedded electronic wallet, it is characterized in that, comprise fingerprint identification module, finger print information modular converter, individual subscriber identification code arrange module, wallet administration module and communication module, described fingerprint identification module is connected with finger print information modular converter, described wallet administration module respectively with finger print information modular converter, individual subscriber identification code arranges module and communication module is connected; Wherein,
Described fingerprint identification module for scanning and gathering the finger print information of registered user and the finger print information of active user, and sends finger print information modular converter to;
Described finger print information modular converter is used for setting up registration wallet password and real-time wallet password respectively according to the finger print information of registered user and the finger print information of active user, relatively registration wallet password and real-time wallet password, pass to wallet administration module by comparative result;
Described individual subscriber identification code arranges module and sets up an individual subscriber identification code corresponding with the finger print information of registered user for the every identity identification information arranged according to registered user;
The comparative result that described wallet administration module is used for passing over according to finger print information modular converter is selected whether to send individual subscriber identification code to transaction system terminal;
Described communication module is for starting network service and the network set up between stored value card with transaction terminal is connected.
2. embedded electronic wallet according to claim 1, it is characterized in that, described wallet administration module receives the comparative result that finger print information modular converter transmits, if be consistent, then releasing user PIN (Personal Identification Number) is to communication module, conclude the business with transaction terminal, if do not meet, then send and do not mate information prompting active user.
3. embedded electronic wallet according to claim 2, it is characterized in that, described fingerprint identification module comprises a Finger print characteristic abstract unit, for extracting registered fingerprint characteristic information further to the finger print information of registered user, real time fingerprint characteristic information is extracted further to the finger print information of active user, and sends registered fingerprint characteristic information and real time fingerprint characteristic information to finger print information modular converter.
4. an embedded electronic wallet, it is characterized in that, comprise fingerprint identification module, finger print information modular converter, identification parameter arrange module, wallet administration module and communication module, described fingerprint identification module is connected with finger print information modular converter, and described wallet administration module arranges module with finger print information modular converter, identification parameter respectively and communication module is connected; Wherein,
Described fingerprint identification module for scanning and gathering the finger print information of registered user and the finger print information of active user, the go forward side by side fingerprint feature information of onestep extraction registered user and the fingerprint feature information of active user, and send finger print information modular converter to;
Described finger print information modular converter sets up registration wallet password and real-time wallet password respectively according to the finger print information of the finger print information of registered user and active user, relatively registration wallet password and real-time wallet password, pass to wallet administration module by comparative result;
Described identification parameter arranges module sets up an individual subscriber identification code corresponding with the finger print information of registered user formation parameter for the every identity identification information arranged according to registered user;
The comparative result that described wallet administration module is used for passing over according to finger print information modular converter selects the formation parameter of whether releasing user PIN (Personal Identification Number);
Described communication module is for starting network service and the network set up between stored value card with transaction terminal is connected.
5. embedded electronic wallet according to claim 4, it is characterized in that, described wallet administration module receives the comparative result that finger print information modular converter transmits, if be consistent, then the formation parameter of releasing user PIN (Personal Identification Number) generates individual subscriber identification code, and sends to communication module and transaction terminal to conclude the business; If do not meet, then send and do not mate information prompting active user.
6. an embedded electronic wallet method of payment, is characterized in that, described embedded electronic wallet method of payment comprises the following steps:
The finger print information of S1, scanning recognition registered user, generates a registration wallet password according to the finger print information of registered user, and sets up an individual subscriber identification code corresponding with the finger print information of registered user;
The finger print information of S2, identification active user, the finger print information according to active user generates a real-time wallet password;
S3, comparison according to registration wallet password and real-time wallet password, select whether to send individual subscriber identification code to transaction system terminal, if be consistent, then send individual subscriber identification code and conclude the business to transaction terminal, if do not meet, then send and do not mate information prompting active user.
7. embedded electronic wallet method of payment according to claim 6, it is characterized in that, described step S1 comprises following sub-step:
S11, scanning identify the finger print information of registered user, the finger print information according to described registered user extracts registered fingerprint characteristic information;
S12, generate registration wallet password according to described registered fingerprint characteristic information;
S13, the every identity identification information arranged according to user set up individual subscriber identification code, and described individual subscriber identification code is corresponding with registering wallet password;
S14, described registration wallet password and individual subscriber identification code to be stored.
8. embedded electronic wallet method of payment according to claim 7, it is characterized in that, described step S2 comprises following sub-step:
S21, scanning identify the finger print information of active user, the finger print information according to described active user extracts real time fingerprint characteristic information;
S22, real time fingerprint characteristic information is converted into real-time wallet password.
9. embedded electronic wallet method of payment according to claim 8, it is characterized in that, described step S3 comprises following sub-step:
S31, start network service the network set up between stored value card with transaction terminal and be connected;
S32, comparison according to registration wallet password and real-time wallet password, select whether to send individual subscriber identification code to transaction system terminal;
If S33 is consistent, then sends individual subscriber identification code and conclude the business to transaction terminal, if do not meet, then send and do not mate information prompting active user.
10. an embedded electronic wallet method of payment, is characterized in that, described embedded electronic wallet method of payment comprises the following steps:
The finger print information of S1, scanning recognition registered user, generates a registration wallet password according to the finger print information of registered user, and sets up the formation parameter of individual subscriber identification code in conjunction with every identity identification information that registered user is arranged;
The finger print information of S2, identification active user, the finger print information according to active user generates a real-time wallet password;
S3, comparison according to registration wallet password and real-time wallet password, select the formation parameter of whether releasing user PIN (Personal Identification Number); If be consistent, then the formation parameter of releasing user PIN (Personal Identification Number) generates individual subscriber identification code, and sends to transaction terminal to conclude the business; If do not meet, then send and do not mate information prompting active user.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410613090.1A CN104361492A (en) | 2014-11-05 | 2014-11-05 | Embedded electronic wallet and payment method thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410613090.1A CN104361492A (en) | 2014-11-05 | 2014-11-05 | Embedded electronic wallet and payment method thereof |
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| CN104361492A true CN104361492A (en) | 2015-02-18 |
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| CN201410613090.1A Pending CN104361492A (en) | 2014-11-05 | 2014-11-05 | Embedded electronic wallet and payment method thereof |
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| CN107609867A (en) * | 2017-09-28 | 2018-01-19 | 山西特信环宇信息技术有限公司 | A kind of electronic purse system and operating method based on biological identification technology |
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Application publication date: 20150218 |