CN104835040A - Payment method and system - Google Patents
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- CN104835040A CN104835040A CN201510275219.7A CN201510275219A CN104835040A CN 104835040 A CN104835040 A CN 104835040A CN 201510275219 A CN201510275219 A CN 201510275219A CN 104835040 A CN104835040 A CN 104835040A
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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
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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Abstract
The invention discloses a payment method and a payment system. When the payment method provided by the invention is used, user biological characteristic information is used to determine a user account, and one user account corresponds to biological characteristic information of one or more users, thereby overcoming the limitation in the prior art that one account corresponds to one password, eliminating the limitation that a bank card must be used during a transaction, realizing a payment method of safety payment with a single account being corresponding to multiple users, simplifying an operational process, and realizing control of capital of a user account such as a bank card.
Description
Technical field
The present invention relates to modes of payments technical field, in particular, relate to a kind of method of payment and system.
Background technology
Along with the high speed development of network economy and mobile Internet are to the intervention of people this locality life and improvement, fingerprint is paid, sound wave is paid, NFC marches into the arena pays and Quick Response Code pays and is able to popular gradually, and online lower various consumption scene is able to widespread use.Receive singlehanded section under the line of current main flow to comprise: (1) bank, Unionpay and Third-party payment (communications and liaison payment, China fir moral, Sheng Ju etc.) existing POS receive single network; (2) with Alipay be representative mobile phone sound wave pay; (3) with Tengxun be representative barcode scanning pay; (4) based on the payment of marching into the arena of NFC technique and in-plant home control network communication protocol; (5) the Alipay fingerprint modes of payments of taking as the leading factor.At present, under the most frequently used line, acquirer's formula is still for POS receives single network, when consumer is after trade company chooses the commodity (or service) of needs, is swiped the card and after inputting password, complete payment by bank card that consumer holds on cash register POS tool.Similar product also has the product such as " sound wave is paid ", " barcode scanning is paid ".Receiving single instrument under these lines take smart mobile phone as carrier, take mobile communications network as information communication channel, with acoustic coded or Quick Response Code for coded system, between merchandise news (merchant information and receive single amount of money etc.), intelligent mobile phone terminal and payment system, carry out information transmission and process, thus complete the transaction of commodity or service and the clearance of fund or transfer.The above modes of payments is mostly card, has the modes of payments that is close or dependence smart mobile phone, all payments all relate to the systems such as front end cash register, payment terminal, communication network and online transaction/payment, the fund account of user is present in payment system (or banking system) inside, and transferring and clearing of fund completes in payment system.
Existing payment terminal, system and channel still cannot cover old man and child market, this is because, for the singlehanded section of existing receipts, there is numerous restrictions such as bank card medium, password, such as, an a bank card only corresponding password, user can only be concluded the business by the unique password of input.When using bank card to conclude the business in cash register POS, needing trade company's input amount of money, user takes out card, swipe the card, input unique password, print receipt, signature etc., complex operation; When the modes of payments such as mode such as using sound wave is paid, Quick Response Code payment, NFC payment are concluded the business, user needs to use smart mobile phone and relevant APP applies, input account, payment cipher and payment etc. in a network environment to conclude the business, operating process is longer, needs to wait for the long period.No matter any modes of payments above, old man and child is all needed to remember card password, when bank card is numerous, easily there is the situation that password is forgotten or bank card same password is obscured in old man or child, sometimes multiple bank cards use same payment cipher, pay uneasy congruent situation and occur.
As can be seen here, existing method of payment also exists numerous restrictions such as bank card medium, password, old man cannot be realized and child carries out Secure Transaction, family cannot be realized and unify payment function, the modes of payments of the secure payment of the corresponding multiple user of single account cannot be realized, operating process is loaded down with trivial details, and cannot at any time to user account as bank card etc. carries out the management and control of fund and scope.
Summary of the invention
In view of this, the object of the present invention is to provide a kind of method of payment and system, the method can cover old man and child pays, thus realizes the unified payment of family, simplify the operation flow process, and to user account as bank card etc. carries out the management and control of fund and scope.
In order to achieve the above object, the invention provides following technical scheme:
A kind of method of payment, comprising:
Obtain user biological characteristic information;
Determine in user information database and the user biological characteristic information that described user biological characteristic information matches, generate user's confirmation;
According to described user's confirmation determination user account, a corresponding one or more described user biological characteristic information of described user account;
Payment is sent to Third-party payment module, to pay according to described user biological characteristic information and described user account;
If complete payment, send payment and complete information to payment terminal.
Preferably, in the above-mentioned methods, described acquisition user biological characteristic information specifically comprises: obtain user biological characteristic information according to user biological characteristic type, described user biological characteristic type comprises fingerprint pattern, face type, vein type, iris type, vocal print type, and described user biological characteristic information comprises finger print information, face information, venous information, iris information, voiceprint.
Preferably, in the above-mentioned methods, describedly to determine in described biological characteristic type and the user biological characteristic information that described user biological characteristic information matches, generate user's confirmation and also comprise:
Corresponding relation according to described user biological characteristic information and subscriber identity information determines described subscriber identity information in described user information database;
Send according to described subscriber identity information and confirm that information is to subscriber terminal equipment;
If receive confirmation information, input validation code, generates user's confirmation.
Preferably, in the above-mentioned methods, described subscriber identity information comprises the combination of the combination of address name and ID (identity number) card No., address name and phone number.
Preferably, in the above-mentioned methods, described confirmation code comprises any digit in stochastic and dynamic code, mobile phone or ID (identity number) card No..
Preferably, in the above-mentioned methods, described terminal device comprises mobile phone, computer or IPAD.
Preferably, in the above-mentioned methods, describedly send described payment to Third-party payment module according to described user biological characteristic information and described user account, specifically comprise to carry out paying:
According to described user biological characteristic information and described user account determination customer transaction restricted information, described customer transaction restricted information comprises trading limit and trader's threshold system;
According to described customer transaction restricted information, described payment and described trader's threshold system are audited;
If not by examination & verification, send Fail Transaction information to described subscriber terminal equipment;
If by examination & verification, send described payment to Third-party payment module, to pay.
The present invention also provides a kind of payment system, comprising:
Payment terminal, for gathering user biological characteristic information, display payment completes information;
Identification module, for judging user biological characteristic type;
Confirming module, for determining in user information database and the user biological characteristic information that described user biological characteristic information matches, generating user's confirmation;
Account management module, for according to described user's confirmation determination user account, the biological information of a corresponding one or more described user of described user account;
Amount of money sending module, for sending payment to Third-party payment module according to described user biological characteristic information and described user account;
Third-party payment module, pays for the payment determined according to described user biological characteristic information and described user account.
As can be seen from technique scheme, when applying method of payment provided by the invention, utilize user biological characteristic information to determine user account, and the biological information of a corresponding one or more user of user account, overcome the restriction of a corresponding password of account in prior art, the restriction of bank card must be used when eliminating transaction, achieve the modes of payments of the secure payment realizing the corresponding multiple user of single account, simplify operating process, achieve user account as the fund in bank card etc. carries out management and control simultaneously.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only embodiments of the invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the accompanying drawing provided.
A kind of method of payment schematic diagram that Fig. 1 provides for the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
See a kind of method of payment schematic diagram that Fig. 1, Fig. 1 provide for the embodiment of the present invention.
In a kind of embodiment, a kind of method of payment provided by the invention, comprises the following steps:
Step S01: obtain user biological characteristic information.
Utilize payment terminal to obtain user biological characteristic information in the present embodiment, user biological characteristic information comprises the intrinsic physiological property of human body and behavioural characteristic.
Further, described acquisition user biological characteristic information specifically comprises: obtain user biological characteristic information according to user biological characteristic type, described user biological characteristic type comprises fingerprint pattern, face type, vein type, iris type, vocal print type, and described user biological characteristic information comprises finger print information, face information, venous information, iris information, voiceprint.Namely be closely combined with high-tech means such as optics, acoustics, biology sensor and biostatistics principles by computing machine, utilize the physiological property that human body is intrinsic, (as fingerprint, referring to vein, face, iris etc.) and behavioural characteristic (as person's handwriting, sound, gait etc.) carry out the qualification of personal identification.The biological information of the corresponding finger print information of fingerprint pattern, face type, vein type, iris type, vocal print type difference, face information, venous information, iris information, voiceprint.
Step S02: determine in user information database and the user biological characteristic information that described user biological characteristic information matches, generates user's confirmation.
Further, owing to including the multiple biological information of multiple user in user information database, for the ease of the biological information of the user that subsequent query matches, first a certain biological information of multiple user is sorted out, form a certain body types feature.Described biological characteristic type comprises fingerprint pattern or face type, includes multiple biological characteristic type in user information database, and such as, fingerprint pattern, face type and other biological characteristic type are all within protection domain.Such as, the finger print information of the B old man in the finger print information of the A old man in A family and B family is all ranged in fingerprint pattern, the human face image information of the B old man in the human face image information of the A old man in A family and B family is all ranged in face type.After obtaining the finger print information of a certain user, determine finger print information and belong to fingerprint pattern, but the finger print information of who user in uncertain specifically which family, then in fingerprint pattern, search the finger print information matched with it, find the latter two to contrast, determining is the finger print information of A old man in A family.
Such as, the user profile of prestored in user information database A family and B family, includes the finger print information of two old men respectively in A, B family, and the finger print information of wife and husband and the finger print information of child, finger print information used is all categorized in fingerprint pattern.After obtaining the finger print information of A old man in A family, because finger print information belongs to fingerprint pattern, in fingerprint pattern, so find the finger print information mated with A family A old man, after confirming that coupling is correct, generate the confirmation of A family A old man, describe the A old man in the user A family now carrying out paying.
False possibility is recognized because fingerprint recognition or other recognition method have, be about to obtain the biological information of user is mated with the user biological characteristic information in User Information Database time, likely there is the situation of matching error, a people has been identified as another one people, to this, need to issue a notice to all potential crowds found, carry out secondary identity authentication by user, eliminate possible wrong identification problem.
Further, the basis of step S03 also comprises: the corresponding relation according to described user biological characteristic information and subscriber identity information determines described subscriber identity information in described user information database; Send according to described subscriber identity information and confirm that information is to subscriber terminal equipment; If receive confirmation information, input validation code, generates user's confirmation.If confirm that the confidence level of identity information step is very high above, do not judge risk by accident, then this step can be omitted.Alternative identity if possible has a lot, then need this step to carry out secondary-confirmation.
Further, described subscriber identity information comprises the combination of the combination of address name and ID (identity number) card No., address name and phone number.Confirmation code comprises any digit in stochastic and dynamic code, mobile phone or ID (identity number) card No..Described subscriber terminal equipment comprises mobile phone, computer or IPAD.For the A old man in A family, determine in fingerprint pattern with the finger print information that the finger print information of A family A old man matches after, in user information database, the identity information of A family old man has been inquired according to described finger print information, include but not limited to the name of A family A old man and cell-phone number or identification card number, or other can prove the evidence of A old man's identity, all within protection domain, send and confirm that information is on the mobile phone of A family A old man, A old man is according to after four or identification card number after prompting input handset four, or other prove information, all within protection domain, generate user's confirmation, reaffirm the A old man in the A family really of this people consumed.Or can say, the finger print information that 100,000,000 people reserve is had in fingerprint pattern, in payment process, the people that first will this be found to consume in this 100,000,000 user, likely finds 10 (or n), at this moment needs these 10 people initiatively to submit user's confirmation to, when adding customer consumption, the uniqueness of finger print information payment terminal, the consumption user that therefore unique identification is concrete, ensure that the security of payment.
Step S03: according to described user's confirmation determination user account, a corresponding one or more described user biological characteristic information of described user account.Specifically can be interpreted as, in user information database, prestored many users and one or more user biological characteristic informations corresponding to each user, and meanwhile, user account is corresponding multiple user, this multiple user can be the same family member.Such as, the identity of A old man jointly can be determined according to the finger print information of the A old man in A family and iris image information, also the identity of A old man can be confirmed according to the finger print information of A old man, the user account corresponding to corresponding A old man can be inquired about, in like manner, after the identity validation of child A in A family after confirming identity, the user account that child A is corresponding can be inquired about, A old man and child A come from the same family, i.e. A family, and the only corresponding user account of A family.When registering domestic consumer, the a certain biological information of the bank card account number of the husband in A family is simultaneously corresponding husband, old man, wife and child, the i.e. finger print information of the finger print information of husband, the finger print information of old man or wife and child.Or alternatively, the member in one family uses same account, achieve the secure payment mode of the corresponding multiple user of single account, achieve the possibility that family pays.Can certainly set up the mode that lovers pay, i.e. two corresponding same accounts of people, its operational mode is identical with the operational mode that family pays, and sets up the relation of the corresponding same account of multi-user in a word, all can realize paying.
Step S04: send payment to Third-party payment module, to pay according to described user biological characteristic information and described user account.User biological characteristic information confirms user identity, the user account of user's binding therewith according to user identification confirmation, fund in user account and payment to be transferred accounts to Third-party payment module, to pay, wherein Third-party payment module includes but not limited to Alipay, bank payment system, Unionpay's payment system etc.
Further, for the ease of supervising the flowing of fund and the consumption of user, specifically comprise according to described user biological characteristic information and described user account determination customer transaction restricted information, described customer transaction restricted information comprises trading limit and trader's threshold system; According to described customer transaction restricted information, described payment and described trader's threshold system are audited; If not by examination & verification, send Fail Transaction information to described subscriber terminal equipment; If by examination & verification, send described payment to Third-party payment module, to pay.Such as, the customer transaction restricted information determining A family old man according to the finger print information of the old man in A family and user account is one-time-consumption limit is 500 yuan, trader's threshold is made as and is only limitted to Wu-Mart or market, Wangfujing, has carried out real-time supervision to the Capital Flow in user account and customer consumption situation.
Step S05: if complete payment, sends payment and completes information to payment terminal.After completing payment, the information of payment has been sent to payment terminal, and user can see this consumption in payment terminal, leaves after confirming payment.
Core of the present invention sets up the counterlogic of " account " and " user ", wherein same " account " may correspond to multiple " user ", multiple " users " include the biological information of user, and to the attribute field such as each " user " configuration " region ", " trade company " and " amount of money restriction ", thus when system receives transaction request, according to the logic of propositions in user property, transaction is processed, and by redefining transaction data, be sent to Third-party payment module, complete the funds transaction in account and record.
The present invention is supplementing and expansion original online payment system, utilize user biological characteristic information to determine user account, and the biological information of a corresponding one or more user of user account, overcome the restriction of a corresponding password of account in prior art, owing to confirming user identity by finger print information or eye information, any password is inputted without the need to user, bank card is not had to limit yet, only need the biological information confirming user, simultaneously due to Fail Transaction information can be sent to described subscriber terminal equipment, namely by note verification secondary identifying user identity, transaction is avoided to make a mistake.Use single account multi-user method of payment that the present invention proposes, multi-user's attribute is provided to expand to third-party payment system, thus realize the payment rule of single account multi-user, the value-added services such as trade company, channel, VIP member management and integration managing can be increased on basis of the present invention simultaneously.Realize the unified Spending Limit management, fence etc. paying and extend out of family based on biological information.
Present invention also offers a kind of payment system, comprising: payment terminal, for gathering user biological characteristic information, display payment completes information; Identification module, for judging user biological characteristic type; Confirming module, for determining in user information database and the user biological characteristic information that described user biological characteristic information matches, generating user's confirmation; Account management module, for according to described user's confirmation determination user account, the biological information of a corresponding one or more described user of described user account; Amount of money sending module, for sending payment to Third-party payment module according to described user biological characteristic information and described user account; Third-party payment module, pays for the payment determined according to described user biological characteristic information and described user account.Payment system provided by the invention achieves short-message verification, positioning service, encryption and decryption process, account management (corresponding relation of the biological information of account and user, account and trader's threshold system and trading limit) function, finally completes the management to multi-user.
In present disclosure, 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.
To the above-mentioned explanation of the disclosed embodiments, professional and technical personnel in the field are realized or uses the present invention.To be apparent for those skilled in the art to the multiple amendment of these embodiments, General Principle as defined herein can without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention can not be restricted to these embodiments shown in this article, but will meet the widest scope consistent with principle disclosed herein and features of novelty.
Claims (8)
1. a method of payment, is characterized in that, comprising:
Obtain user biological characteristic information;
Determine in user information database and the user biological characteristic information that described user biological characteristic information matches, generate user's confirmation;
According to described user's confirmation determination user account, a corresponding one or more described user biological characteristic information of described user account;
Payment is sent to Third-party payment module, to pay according to described user biological characteristic information and described user account;
If complete payment, send payment and complete information to payment terminal.
2. the method for claim 1, is characterized in that, described acquisition user biological characteristic information specifically comprises:
User biological characteristic information is obtained according to user biological characteristic type, described user biological characteristic type comprises fingerprint pattern, face type, vein type, iris type, vocal print type, and described user biological characteristic information comprises finger print information, face information, venous information, iris information, voiceprint.
3. the method for claim 1, is characterized in that, describedly determines in user information database and the user biological characteristic information that described user biological characteristic information matches, and generates user's confirmation and also comprises:
Corresponding relation according to described user biological characteristic information and subscriber identity information determines described subscriber identity information in described user information database;
Send according to described subscriber identity information and confirm that information is to subscriber terminal equipment;
If receive confirmation information, input validation code, generates user's confirmation.
4. method as claimed in claim 3, is characterized in that, described subscriber identity information comprises the combination of the combination of address name and ID (identity number) card No., address name and phone number.
5. the method as described in claim 3 or 4, is characterized in that, described confirmation code comprises any digit in stochastic and dynamic code, mobile phone or ID (identity number) card No..
6. method as claimed in claim 3, it is characterized in that, described subscriber terminal equipment comprises mobile phone, computer or IPAD.
7. the method for claim 1, is characterized in that, describedly sends described payment to Third-party payment module according to described user biological characteristic information and described user account, specifically comprises to carry out paying:
According to described user biological characteristic information and described user account determination customer transaction restricted information, described customer transaction restricted information comprises trading limit and trader's threshold system;
According to described customer transaction restricted information, described payment and described trader's threshold system are audited;
If not by examination & verification, send Fail Transaction information to described subscriber terminal equipment;
If by examination & verification, send described payment to Third-party payment module, to pay.
8. a payment system, is characterized in that, comprising:
Payment terminal, for gathering user biological characteristic information, display payment completes information;
Identification module, for judging user biological characteristic type;
Confirming module, for determining in user information database and the user biological characteristic information that described user biological characteristic information matches, generating user's confirmation;
Account management module, for according to described user's confirmation determination user account, a corresponding one or more described user biological characteristic information of described user account;
Amount of money sending module, for sending payment to Third-party payment module according to described user biological characteristic information and described user account;
Third-party payment module, pays for the payment determined according to described user biological characteristic information and described user account.
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| CN201510275219.7A CN104835040A (en) | 2015-05-26 | 2015-05-26 | Payment method and system |
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