CN104616149B - Method of payment and system based on Bluetooth technology and living things feature recognition - Google Patents

Method of payment and system based on Bluetooth technology and living things feature recognition Download PDF

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Publication number
CN104616149B
CN104616149B CN201510063624.2A CN201510063624A CN104616149B CN 104616149 B CN104616149 B CN 104616149B CN 201510063624 A CN201510063624 A CN 201510063624A CN 104616149 B CN104616149 B CN 104616149B
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China
Prior art keywords
payment
payer
terminal
biological information
potential
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CN201510063624.2A
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CN104616149A (en
Inventor
冯建江
周杰
朱海洋
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Tsinghua University
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Tsinghua University
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices

Abstract

The present invention proposes a kind of method of payment and system based on Bluetooth technology and living things feature recognition, and this method includes:Receiving side terminal sends payment request by the potential payer in bluetooth discovery preset range, and to the potential payer terminal;The receiving side terminal receives the encrypted payment preparation instruction that the potential payer terminal returns, and is forwarded to Third-party payment server;The Third-party payment server obtains the payment accounts of the potential payer and corresponding biological information;The receiving side terminal gathers the biological information of current payer, and the Third-party payment server is sent to after encryption;The Third-party payment server confirms current payer according to the biological information, and completes payment according to corresponding payment preparation instruction;The receiving side terminal receives the payment result that the Third-party payment server returns, and is forwarded to payer terminal.This method can improve the efficiency of the payment based on living things feature recognition.

Description

Method of payment and system based on Bluetooth technology and living things feature recognition
Technical field
The present invention relates to payment technology field more particularly to a kind of payers based on Bluetooth technology and living things feature recognition Method and system.
Background technology
Occur means of payment under a variety of lines in recent years, such as Quick Response Code payment, sound wave payment and biological characteristic payment.Biology Feature payment is its security and convenience compared with the advantage of the means of payment under other lines.Its security is that biology is special Sign (such as fingerprint, iris, face etc.) is the unique identification sign of user identity, other people can not usurp easily.Its convenience It is, biological characteristic is by the portable identification cipher of people, eliminates the trouble for carrying extras.
But there are still some shortcomings for biological characteristic payment.One of shortcoming is that real-time is poor.Compared with account and close The exact digital informations such as code, the biological characteristic of people is fuzzy information, is determined in the biological characteristic storehouse of a million people grade , it is necessary to carry out complicated pattern-recognition computing, the time spends quite big specific user.In order to accelerate the speed of biometric matches Degree, can be improved in terms of two.On the one hand match server can be increased, improves its rate matched.On the other hand just It is to increase secondary identities information, reduces the scope of biometric matches.Although first method can realize quickening verifying speed Purpose, still, the thing followed is greatly improving for hardware cost.Therefore, comparatively, the side of secondary identities information is increased Method is more actual and effective.
Had at present using the method for secondary identities information following several:(1) personal number, such as personal mobile phone are manually entered Number, then biological characteristic only matched with the corresponding biological characteristic of individual number;(2) group # is manually entered, such as 4 after cell-phone number, then biological characteristic is matched with all biological characteristics under the group #, determines unique account;(3) Payer contains NFC (Near Field Communication, close range wireless communication) or RFID (Radio by oneself Frequency Identification radio frequency identifications) chip electronic equipment close to recipient equipment, will number accuse Know recipient, then only biological characteristic corresponding with the number is matched biological characteristic.
But above method comes with some shortcomings.It is often comparatively laborious, time-consuming to manually enter personal number, and easily loses Forget;The computational complexity of system is still very high when manually entering group #;And the use of the problem of NFC or RFID technique is payment Side needs to take out the equipment of oneself, and close to the equipment of recipient, it is inconvenient for use.
The content of the invention
It is contemplated that it solves at least some of the technical problems in related technologies.
For this purpose, an object of the present invention is to provide a kind of payers based on Bluetooth technology and living things feature recognition Method, this method can make the payment based on living things feature recognition more convenient, improve payment efficiency.
It is another object of the present invention to propose a kind of payment system based on Bluetooth technology and living things feature recognition.
In order to achieve the above objectives, the payer based on Bluetooth technology and living things feature recognition that the embodiment of the present invention proposes Method, including:By the potential payer in bluetooth discovery preset range, and send payment to the potential payer terminal and ask It asks;The receiving side terminal receives the encrypted payment that the potential payer terminal is returned according to the payment request and prepares Instruction, and it is forwarded to Third-party payment server;The Third-party payment server obtains institute according to the payment preparation instruction State the payment accounts of potential payer and corresponding biological information;The receiving side terminal gathers current payer Biological information, the Third-party payment server is sent to after encryption;The Third-party payment server is according to The biological information of current payer is matched with the biological information of the potential payer, in all potential payments Current payer is confirmed in side, and payment is completed according to corresponding payment preparation instruction;The receiving side terminal receives described the The payment result that tripartite's payment server returns, and it is forwarded to payer terminal.
The method of payment based on Bluetooth technology and living things feature recognition that the embodiment of the present invention proposes is obtained pre- by bluetooth If the potential payer terminal in scope sends payment request, matched payer user model can be reduced in the payment preparation stage It encloses, reduces operand during biometric information matches, server can run through biometric information matches to correspondence Payer account, and according to payment preparation instruction in recipient's payment accounts, payer payment accounts, payment amount and friendship Easy code is completed this time to pay, and improves the processing speed of the payment based on living things feature recognition, simple and efficient.
In order to achieve the above objectives, the payment system based on Bluetooth technology and living things feature recognition that the embodiment of the present invention proposes System, including:Receiving side terminal, it is whole to the potential payer for passing through the potential payer in bluetooth discovery preset range End sends payment request, and the encrypted payment preparation instruction that the potential payer terminal is returned is forwarded to third party's branch The biological information of pay server and the current payer of acquisition, is sent to the Third-party payment server after encryption, prop up The payment processing that the Third-party payment server sends is received after the completion of paying as a result, and being forwarded to payer terminal;Payer Terminal for receiving the payment request, and passes through bluetooth and sends the encrypted payment preparation to the receiving side terminal Instruction and the payment processing result that the receiving side terminal forwarding is received after the completion of payment;Third-party payment service Device for receiving the encrypted payment preparation instruction, is decrypted, obtains the branch preserved in Third-party payment server Square information is paid, and receives the encrypted biological information that the receiving side terminal uploads, is decrypted, according to described The biological information of current payer is matched with the biological information of the potential payer, in all potential payments Current payer is confirmed in side, and completes to pay according to corresponding payment preparation instruction and after completion of transactions, operation is tied Fruit is sent to the receiving side terminal.
The embodiment of the present invention propose the payment system based on Bluetooth technology and living things feature recognition, by Bluetooth technology to Potential payer terminal in preset range sends payment request, can reduce matched payer user in the payment preparation stage Scope, reduces operand during biometric information matches, server can run through biometric information matches to pair The payer account answered, and according to payment preparation instruction in recipient's payment accounts, payer payment accounts, payment amount and Transaction code is completed this time to pay, and improves the processing speed of the payment based on living things feature recognition, simple and efficient.
The additional aspect of the present invention and advantage will be set forth in part in the description, and will partly become from the following description It obtains substantially or is recognized by the practice of the present invention.
Description of the drawings
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments Substantially and it is readily appreciated that, wherein:
Fig. 1 is the flow signal for the method for payment based on Bluetooth technology and living things feature recognition that the embodiment of the present invention proposes Figure;
Fig. 2 is the flow for the method for payment based on Bluetooth technology and living things feature recognition that another embodiment of the present invention proposes Schematic diagram;
Fig. 3 is the structural representation of the payment system based on Bluetooth technology and living things feature recognition of another embodiment of the present invention Figure;
Fig. 4 is the structural representation of the payment system based on Bluetooth technology and living things feature recognition of another embodiment of the present invention Figure.
Specific embodiment
The embodiment of the present invention is described below in detail, the example of the embodiment is shown in the drawings, wherein from beginning to end Same or similar label represents same or similar element or has the function of same or like element.Below with reference to attached The embodiment of figure description is exemplary, and is only used for explaining the present invention, and is not considered as limiting the invention.On the contrary, this The embodiment of invention includes falling into all changes in the range of the spirit and intension of attached claims, modification and equivalent Object.
Below with reference to the accompanying drawings the description payer based on Bluetooth technology and living things feature recognition according to embodiments of the present invention Method and system.
Fig. 1 is that the flow for the method for payment based on Bluetooth technology and living things feature recognition that one embodiment of the invention proposes is shown It is intended to, this method includes:
S101:Receiving side terminal is by the potential payer terminal in bluetooth discovery preset range, and to the potential branch It pays square terminal and sends payment request.
Wherein, payer terminal includes opening bluetooth and opens the terminal device of default application program.What the crowd is dense Occasion, payer terminal may have multiple, and when using the method for payment of the present invention, the payer terminal in preset range all may be used To regard potential payer terminal as.
Specifically, receiving side terminal can be by the potential payer terminal in bluetooth discovery preset range, and is established with it Connection sends payment request to the equipment.Payment request includes payment of the recipient in the Third-party payment server Account, the payment amount currently merchandised and transaction code.
It should be noted that the terminal device in the present embodiment can be mobile terminal, computer or the future may appear Any equipment with bluetooth and network communicating function such as intelligence instrument.
S102:After the receiving side terminal receives the encryption that the potential payer terminal is returned according to the payment request Payment preparation instruction, and be forwarded to Third-party payment server.
Wherein, paying can include recipient the payment accounts in Third-party payment server in warning order, potential Payment accounts and the information such as the payment amount currently merchandised and transaction code of the payer in Third-party payment server.
Specifically, all payer terminals in preset range are after payment request is received, can be by bluetooth to reception Square terminal returns to encrypted payment preparation instruction.All encrypted payment preparation instructions that receiving side terminal can will receive It is forwarded to Third-party payment server.
S103:The Third-party payment server obtains the payment of the potential payer according to the payment preparation instruction Account and corresponding biological information.
Specifically, Third-party payment server can receive payment preparation instruction and be decrypted, and prepare to refer to according to payment Payer acquisition of information in order each pays the information of the corresponding payer of preparation instruction, and the information of payer can include branch Pay the payment accounts of side and corresponding biological information etc..
Wherein, biological information can be the information of the biological characteristics such as fingerprint, iris, face, each biological characteristic letter The corresponding unique payment account of breath, each payment account can correspond to one or more biological characteristics.
In one embodiment of the invention, payer terminal can be used asymmetric encryption mode to payment preparation instruction into Row encryption, uses the public key of Third-party payment mechanism.Only know the private key of oneself in the Third-party payment mechanism being traded, It can be decrypted in Third-party payment server, and its other party can not then decrypt.
It should be noted that receiving side terminal is only responsible for forwarding, the payment preparation instruction is not stored, with what is guaranteed payment Security.
Above step can be completed in the payment preparation stage.Payment implementation phase is introduced in step below.
S104:Receiving side terminal gathers the biological information of current payer, and third party's branch is sent to after encryption Pay server.
Specifically, receiving side terminal gathers the biological information of current payer, and third party is uploaded to after encryption Payment server.
It should be noted that receiving side terminal need to show this time payment amount of transaction and transaction to current payer user The information such as code, the payment amount and transaction code of display should be sent to the payment request of payer terminal with receiving side terminal In payment amount it is consistent with transaction code.Current payer user need to confirm the payment amount currently merchandised and transaction code Just allow the biological characteristic of receiving side terminal acquisition payer user in the case of errorless.
In order to protect the privacy information of payer, receiving side terminal does not store the biological information of payer user.
S105:Biological information and the potential branch of the Third-party payment server according to the current payer The biological information for paying side is matched, and current payer is confirmed in all potential payers, and according to corresponding payment Preparation instruction completes payment.
Further, the payment accounts of each payer and its corresponding life can be prestored in Third-party payment server Object characteristic information.After Third-party payment server receives encrypted biological information, it is decrypted, and the biology is special Reference breath is matched with the biological information of all payers in preset range, obtains the matching highest payment of fraction The information of the payer if highest matching fraction is more than predetermined threshold value, is determined as the information of current payer by side;Otherwise, It can not confirm payer, this Fail Transaction.
The payment account for the payer that the payment account of the payer is confirmed as currently merchandising, and according to corresponding payment Preparation instruction completes the payment of the corresponding amount of money.
S106:Receiving side terminal receives the payment result that the Third-party payment server is sent, and is forwarded to payer Terminal.
After the completion of payment, operating result can be sent to the receiving side terminal by Third-party payment server, and be turned Payer terminal is sent to, the relevant information of this time transaction, such as exchange hour, transaction amount, both parties' letter are shown to user Breath and transaction whether successfully etc. information.
The present embodiment sends payment request by payer terminal of the bluetooth into preset range, can prepare rank in payment Section reduces matched payer user scope, reduces operand during biometric information matches, server can lead to rapidly Biometric information matches are crossed to corresponding payer account, and recipient's payment accounts, branch in payment preparation instruction It pays square payment accounts, payment amount and transaction code to complete this time to pay, improves the place of the payment based on living things feature recognition Speed is managed, it is simple and efficient.
Fig. 2 is the flow for the method for payment based on Bluetooth technology and living things feature recognition that another embodiment of the present invention proposes Schematic diagram.As shown in Fig. 2, this method includes:
S201:Receiving side terminal is by the payer terminal in bluetooth discovery preset range, and to the payer terminal Send payment request.
Wherein, payer terminal includes opening bluetooth and opens the terminal device of default application program.What the crowd is dense Occasion, payer terminal may have multiple.
Specifically, receiving side terminal can be by the potential payer terminal in bluetooth discovery preset range, and is established with it Connection sends payment request to the equipment.Payment request includes payment of the recipient in the Third-party payment server Account, the payment amount currently merchandised and transaction code.
It should be noted that the terminal device in the present embodiment can be mobile terminal, computer or the future may appear Any equipment with bluetooth and network communicating function such as intelligence instrument.
S202:Potential payer terminal receives payment request, and passes through bluetooth and return to encrypted branch to receiving side terminal Pay preparation instruction.
Wherein, paying can include recipient the payment accounts in Third-party payment server in warning order, potential Payment accounts and the information such as the payment amount currently merchandised and transaction code of the payer in Third-party payment server.
S203:The encrypted payment preparation instruction received is forwarded to Third-party payment server by receiving side terminal.
In one embodiment of the invention, payer terminal can be used asymmetric encryption mode to payment preparation instruction into Row encryption, uses the public key of Third-party payment mechanism.Only know the private key of oneself in the Third-party payment mechanism being traded, It can be decrypted in the Third-party payment server of Third-party payment mechanism, and its other party can not then decrypt.
It should be noted that receiving side terminal is only responsible for forwarding, the payment preparation instruction is not stored, with what is guaranteed payment Security.
S204:Third-party payment server receives the encrypted payment preparation instruction, is decrypted, and obtains all Potential payer information.
Specifically, Third-party payment server receives the encrypted payment preparation instruction, and is decrypted, Ran Hou All potential payer information are obtained according to payment preparation instruction in server, the information of potential payer is potential payer Payment accounts and corresponding biological information.
Above step can be completed in the payment preparation stage.Following steps can be completed in payment implementation phase.
S205:Receiving side terminal gathers the biological information of current payer, and Third-party payment clothes are uploaded to after encryption Business device.
In order to protect the privacy information of payer, biological information will not be stored in receiving side terminal.
It should be noted that receiving side terminal need to show this time payment amount of transaction and transaction to current payer user The information such as code, the payment amount and transaction code of display should be sent to the payment request of payer terminal with receiving side terminal In payment amount it is consistent with transaction code.Current payer user need to confirm the payment amount currently merchandised and transaction code Just allow the biological characteristic of receiving side terminal acquisition payer user in the case of errorless.
S206:Third-party payment server receives encrypted biological information, is decrypted, in potential payer Determine current payer.
Specifically, the payment accounts of each payer and its corresponding biology can be prestored in Third-party payment server Characteristic information.After Third-party payment server receives encrypted biological information, it is decrypted, and by the biological characteristic Information is matched with the biological information of all potential payers in preset range, calculate the biological information with it is pre- If the matching fraction of the biological information of all potential payers in scope, the matching highest payer of fraction is obtained, if Highest matching fraction is more than predetermined threshold value, then the information of the payer is determined as to the information of current payer;It otherwise, can not be true Recognize payer, this Fail Transaction.
S207:Third-party payment server completes payment, and operating result is sent to recipient, and recipient turns result Issue payer.
Specifically, Third-party payment server is according to recipient's account in payment preparation instruction, payer account and branch It pays the amount of money and completes payment, and operating result is sent to receiving side terminal, receiving side terminal forwards the result to payer terminal. For example, when merchandising successfully, corresponding Transaction Information is returned, during Fail Transaction, the reason for returning to Fail Transaction, such as biological characteristic Information matches are unsuccessfully etc..
The present embodiment sends payment request by potential payer terminal of the bluetooth into preset range, and by potential payment The encrypted payment preparation instruction that square terminal returns is forwarded to Third-party payment server, so as to pass through biological characteristic When information is paid, matched payer scope is reduced, reduces operand during biological information matching, server can be fast Speed matches corresponding payer account, and recipient's payment accounts in payment preparation instruction, payer payment accounts, Payment amount and transaction code are completed this time to pay, and improve the processing speed of the payment based on living things feature recognition;Meanwhile it props up Paying method, apparatus only needs to keep bluetooth and is in opening for the default application client of payment, is not required in payment Mobile phone is dug out to be operated, it only need to be in receiving side terminal typing biological information, you can complete payment, more convenient operation is fast It is prompt;In addition, being encrypted by the biological information to payer and payment preparation instruction, the security of payment is improved.
In order to realize above-described embodiment, the present invention also proposes a kind of payment system based on Bluetooth technology and living things feature recognition System.
Fig. 3 is the structural representation of the payment system based on Bluetooth technology and living things feature recognition of another embodiment of the present invention Figure.
As shown in figure 3, it should be included based on Bluetooth technology and the payment system of living things feature recognition:Receiving side terminal 100, branch Pay square terminal 200 and Third-party payment server 300.
Specifically, receiving side terminal 100 is used for through the potential payer terminal in bluetooth discovery preset range, to described Potential payer terminal sends payment request, and all encrypted payment preparation instructions that potential payer terminal is returned turn Third-party payment server and the biological information of the current payer of acquisition are sent to, Third-party payment is sent to after encryption Server receives the payment processing of Third-party payment server return as a result, and result is forwarded to payer after the completion of payment Terminal.
Payer terminal 200 is for receiving the payment request, and it is encrypted to receiving side terminal transmission to pass through bluetooth It pays preparation instruction and the payment processing result of receiving side terminal forwarding is received after the completion of payment.Wherein, payer terminal Including opening bluetooth and opening the terminal device of default application program.In the occasion that the crowd is dense, payer terminal may have more It is a.
Third-party payment server 300 is decrypted, for receiving the encrypted payment preparation instruction in server It is middle to prepare all potential payer information;In payment implementation phase, for receiving the encrypted biology that the recipient uploads Characteristic information is decrypted, and current payer is determined in all potential payers, completes payment, and operating result is sent To the receiving side terminal.
In one embodiment of the invention, as shown in figure 4, receiving side terminal 100 may include:Payment request transmitting element 110, payment instruction retransmission unit 120, collecting biological feature information unit 130, biological information transmitting element 140 and payment As a result receiving unit 150;Payer terminal 200 can include:Payment request receiving unit 210, payment instruction transmitting element 220 With payment result receiving unit 230;Third-party payment server 300 can include:Payment instruction receiving unit 310, biology are special Levy information receiving unit 320, biometric information matches unit 330, transaction handling unit 340 and payment result transmitting element 350。
More specifically, payment request transmitting element 110, for passing through the end of all payers in bluetooth discovery preset range End 200, and establish a connection, send payment request to the equipment.Payment request includes recipient in third party's branch Payment accounts in pay server 300, the payment amount currently merchandised and transaction code.
It should be noted that the terminal device in the present embodiment can be mobile terminal, computer or the future may appear Any equipment with bluetooth and network communicating function such as intelligence instrument.
Payer terminal 200 receives payment request, and passes through bluetooth and return to encrypted payment standard to receiving side terminal 100 Standby instruction.
Wherein, paying can include recipient the payment accounts in Third-party payment server 300 in warning order, dive In payment accounts and the letters such as the payment amount currently merchandised and transaction code of the payer in Third-party payment server 300 Breath.
The recipient and payer being each traded by the payment platform where the Third-party payment server use Family is required for registering the account of oneself in the Third-party payment server in advance, and the corresponding biological characteristic letter for preserving user Breath, for transaction when biometric information matches.
All encrypted payments received are prepared to refer to by receiving side terminal 100 by payment instruction retransmission unit 120 Order is forwarded to Third-party payment server 300.
In one embodiment of the invention, payer terminal 200 can be used asymmetric encryption mode and payment prepared to refer to Order is encrypted, and uses the public key of Third-party payment mechanism.The private of oneself is known by the Third-party payment mechanism of progress of only merchandising Key can be decrypted in the Third-party payment server 300 of Third-party payment mechanism, and its other party can not then decrypt.
It should be noted that 100 responsible forwardings of receiving side terminal, do not store the payment preparation instruction, to ensure to prop up The security paid.
Receiving side terminal 100 gathers the biological information of current payer by collecting biological feature information unit 130, Third-party payment server 300 is sent to by biological information transmitting element 140 after encryption.
It should be noted that receiving side terminal 100 need to be shown to current payer user this time transaction payment amount and The information such as transaction code, the payment amount and transaction code of display should be sent to payer terminal 200 with receiving side terminal 100 Payment request in payment amount it is consistent with transaction code.The payment amount that current payer user need to currently merchandise in confirmation Receiving side terminal 100 is just allowed to gather the biological characteristic of payer user in the case of errorless with transaction code.
In order to protect the privacy information of payer, receiving side terminal 100 does not store the biological information of payer user.
Further, the payment accounts and its correspondence of each payer can be prestored in Third-party payment server 300 Biological information.After Third-party payment server 300 receives encrypted biological information, it is decrypted, and will The biological information is matched with the biological information of all potential payers in preset range, obtains matching fraction The information of the payer if highest matching fraction is more than predetermined threshold value, is determined as current payer by highest payer Information;Otherwise, payer can not be confirmed, this Fail Transaction.
After the completion of matching, Third-party payment server 300 is according to recipient's account in payment preparation instruction, payer Account and payment amount complete payment, and operating result is sent to receiving side terminal, and receiving side terminal simultaneously forwards result Give payer terminal.For example, when merchandising successfully, corresponding Transaction Information is returned to, during Fail Transaction, return to the original of Fail Transaction Cause, such as biometric information matches are unsuccessfully etc..
The present embodiment receiving side terminal sends payment request by potential payer terminal of the bluetooth into preset range, can To reduce matched payer user scope in the payment preparation stage, reduce operand during biometric information matches, take Business device can run through biometric information matches to corresponding payer account, and the reception in payment preparation instruction Square payment accounts, payer payment accounts, payment amount and transaction code are completed this time to pay, and improve and are known based on biological characteristic The processing speed of other payment, it is simple and efficient.
In one embodiment of the invention, payment request receiving unit 210 is logical for receiving the receiving side terminal 100 Cross the payment request that Bluetooth broadcast mode is sent;Payment instruction transmitting element 220 is sent out according to payment request to receiving side terminal 100 Send encrypted payment preparation instruction;Payment result receiving unit 230 is used to after completion of transactions, receive Third-party payment service The payment processing result that device 300 is sent.
Payment instruction receiving unit 310 is forwarded to the encrypted of Third-party payment server for receiving the recipient Preparation instruction is paid, and is decrypted;After biological information receiving unit 320 receives encrypted biological information, It is decrypted, biometric information matches unit 330 is by all potential payers in the biological information and preset range Biological information matched, the biology for calculating all potential payers in the biological information and preset range is special The matching fraction of reference breath obtains the matching highest payer of fraction, if highest matching fraction is more than predetermined threshold value, this is propped up The information for paying side is determined as the information of current payer;Otherwise, payer can not be confirmed, this Fail Transaction.
Then, transaction handling unit 340 is according to recipient's account in payment preparation instruction, payer account and payment gold Volume completes payment, and operating result is sent to receiving side terminal.
After completing payment, operating result is sent to receiving side terminal 100 by payment result transmitting element 350, and by receiving Square terminal 100 is forwarded to payer terminal 200.
The payment system based on Bluetooth technology and living things feature recognition of the present embodiment, receiving side terminal is by bluetooth to pre- If the potential payer terminal in scope sends payment request, and the encrypted payment preparation instruction that payer terminal is returned Third-party payment server is forwarded to, so as to when being paid by biological information, reduce matched payer Scope reduces operand during biological information matching;Server can match rapidly corresponding payer account, and according to Recipient's payment accounts, payer payment accounts, payment amount and transaction code in preparation instruction is paid to complete this time to pay, The processing speed of the payment based on living things feature recognition is improved, it is simple and efficient.Meanwhile payment method, apparatus only needs to keep bluetooth Opening is in for the default application client of payment, is not required to dig out mobile phone in payment and is operated, is only needed In receiving side terminal typing biological information, you can complete payment;In addition, pass through biological information and branch to payer It pays preparation instruction to be encrypted, improves the security of payment.
It should be noted that in the description of the present invention, term " first ", " second " etc. are only used for description purpose, without It is understood that indicate or imply relative importance.In addition, in the description of the present invention, unless otherwise indicated, the meaning of " multiple " It is two or more.
Any process described otherwise above or method description are construed as in flow chart or herein, represent to include Module, segment or the portion of the code of the executable instruction of one or more the step of being used to implement specific logical function or process Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discuss suitable Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention Embodiment person of ordinary skill in the field understood.
It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combination thereof.Above-mentioned In embodiment, software that multiple steps or method can in memory and by suitable instruction execution system be performed with storage Or firmware is realized.If for example, with hardware come realize in another embodiment, can be under well known in the art Any one of row technology or their combination are realized:With for the logic gates to data-signal realization logic function Discrete logic, have suitable combinational logic gate circuit application-specific integrated circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..
Those skilled in the art are appreciated that realize all or part of step that above-described embodiment method carries Suddenly it is that relevant hardware can be instructed to complete by program, the program can be stored in a kind of computer-readable storage medium In matter, the program upon execution, one or a combination set of the step of including embodiment of the method.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, it can also That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould The form that hardware had both may be employed in block is realized, can also be realized in the form of software function module.The integrated module is such as Fruit is realized in the form of software function module and is independent production marketing or in use, can also be stored in a computer In read/write memory medium.
Storage medium mentioned above can be read-only memory, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or the spy for combining the embodiment or example description Point is contained at least one embodiment of the present invention or example.In the present specification, schematic expression of the above terms is not Centainly refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any One or more embodiments or example in combine in an appropriate manner.
Although the embodiment of the present invention has been shown and described above, it is to be understood that above-described embodiment is example Property, it is impossible to limitation of the present invention is interpreted as, those of ordinary skill in the art within the scope of the invention can be to above-mentioned Embodiment is changed, changes, replacing and modification.

Claims (10)

1. a kind of method of payment based on Bluetooth technology and living things feature recognition, which is characterized in that including:
Receiving side terminal sends branch by the potential payer in bluetooth discovery preset range, and to the potential payer terminal Pay request;Wherein, payer terminal includes opening bluetooth and opens the terminal device of default application program;Receiving side terminal passes through Potential payer terminal in bluetooth discovery preset range, and establish a connection, send payment request to the equipment;
It is accurate that the receiving side terminal receives the encrypted payment that the potential payer terminal is returned according to the payment request Standby instruction, and it is forwarded to Third-party payment server;
The Third-party payment server obtains the payment accounts of the potential payer and right according to the payment preparation instruction The biological information answered;
The receiving side terminal gathers the biological information of current payer, and the Third-party payment service is sent to after encryption Device;
The Third-party payment server is according to the biological information of the current payer and the life of the potential payer Object characteristic information is matched, and current payer is confirmed in all potential payers, and according to corresponding payment preparation instruction Complete payment;Wherein, after Third-party payment server receives encrypted biological information, it is decrypted, and this is given birth to Object characteristic information is matched with the biological information of all payers in preset range, obtains the matching highest branch of fraction The information of the payer if highest matching fraction is more than predetermined threshold value, is determined as the information of current payer by Fu Fang;It is no Then, payer can not be confirmed, this Fail Transaction;
The receiving side terminal receives the payment result that the Third-party payment server returns, and is forwarded to payer terminal.
2. according to the method described in claim 1, it is characterized in that, the payment request includes:
Payment accounts of the recipient in the Third-party payment server, the payment amount currently merchandised and transaction generation Code.
3. according to the method described in claim 1, it is characterized in that, described be encrypted as asymmetric encryption.
4. according to the method in claim 2 or 3, which is characterized in that the Third-party payment server is according to described current The biological information of payer is matched with the biological information of the potential payer, in all potential payers Confirm current payer, and payment is completed according to corresponding payment preparation instruction, including:
The encrypted payment preparation instruction is decrypted, preparation instruction is got paid, is wrapped in the payment warning order Payment accounts of the recipient in Third-party payment server are included, branch of the potential payer in Third-party payment server is paid a bill Number and the payment amount and transaction code currently merchandised;
The biological characteristic of the payer is obtained according to payment accounts of the potential payer in Third-party payment server Information;
The biological information of the encrypted current payer is decrypted;
The biological information of the current payer is matched with the biological information of the potential payer;
When successful match, it is traded according to payment preparation instruction corresponding with the payer of successful match.
5. according to the method described in claim 4, it is characterized in that, the biological information by the current payer with The biological information of the potential payer is matched, including:
Calculate the biological information of the current payer and the biological information of at least one potential payer Match fraction;
The matching fraction highest and the corresponding payment accounts of the payer more than predetermined threshold value are determined as currently paying The payment accounts of side.
6. a kind of payment system based on Bluetooth technology and living things feature recognition, which is characterized in that including:
Receiving side terminal for passing through the potential payer in bluetooth discovery preset range, is sent out to the potential payer terminal Payment request is sent, and the encrypted payment preparation instruction that the potential payer terminal is returned is forwarded to Third-party payment clothes The biological information of business device and the current payer of acquisition, is sent to the Third-party payment server, has paid after encryption Payment processing that the Third-party payment server returns is received as a result, and being forwarded to payer terminal into rear;
Payer terminal for receiving the payment request, and passes through bluetooth after the receiving side terminal sends the encryption Payment preparation instruction and the payment processing result of receiving side terminal forwarding is received after the completion of payment;
Third-party payment server for receiving the encrypted payment preparation instruction, is decrypted, obtains in third party's branch The potential payer information preserved in pay server, and receive the encrypted biological characteristic that the receiving side terminal uploads Information is decrypted, according to the biological information of the current payer and the biological information of the potential payer It is matched, and completes to pay according to corresponding payment preparation instruction and after completion of transactions, operating result is sent to institute State receiving side terminal;Wherein, after Third-party payment server receives encrypted biological information, it is decrypted, and will The biological information is matched with the biological information of all payers in preset range, obtains matching fraction highest Payer, if highest matching fraction is more than predetermined threshold value, the information of the payer is determined as to the information of current payer; Otherwise, payer can not be confirmed, this Fail Transaction.
7. system according to claim 6, which is characterized in that the payment request includes:
Payment accounts of the recipient in the Third-party payment server, the payment amount currently merchandised and transaction generation Code.
8. system according to claim 6, which is characterized in that described to be encrypted as asymmetric encryption.
9. the system according to claim 7 or 8, which is characterized in that the Third-party payment server, including:
Payment instruction receiving unit for receiving the encrypted payment preparation instruction and being decrypted, gets paid preparation Instruction, the payment warning order includes payment accounts of the recipient in Third-party payment server, described potential Payment accounts of the payer in the Third-party payment server and the payment amount and transaction code currently merchandised;
Biological information receiving unit, for receiving the biological information of the encrypted current payer and being solved It is close;
Biometric information matches unit, for the payment accounts according to the potential payer in Third-party payment server Obtain the biological information of the potential payer, and by the biological information of the current payer and the potential branch The biological information for paying side is matched;
Transaction handling unit, in successful match, preparing to refer to according to payment corresponding with the payer of successful match Order is traded.
10. system according to claim 9, which is characterized in that the biometric information matches unit is additionally operable to calculate The matching fraction of the biological information of the current payer and the biological information of at least one potential payer, And it will be determined as currently propping up with the matching fraction highest and payment accounts corresponding more than the payer of predetermined threshold value Pay the payment accounts of side.
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