CN105225102A - Method of mobile payment and the wearable mobile payment device for the method under line - Google Patents
Method of mobile payment and the wearable mobile payment device for the method under line Download PDFInfo
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- CN105225102A CN105225102A CN201510567238.7A CN201510567238A CN105225102A CN 105225102 A CN105225102 A CN 105225102A CN 201510567238 A CN201510567238 A CN 201510567238A CN 105225102 A CN105225102 A CN 105225102A
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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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 discloses method of mobile payment and the wearable mobile payment device for the method under a kind of line, the method uses fingerprint characteristic data to carry out identification checking, or fingerprint characteristic data is used for generating static tay, thus enhances the security of mobile payment.Method of mobile payment under this line is implemented with wearable mobile payment device, can in conjunction with magnetic pulse technology and fingerprint identification technology, guaranteeing payment under safe prerequisite, use wearable structure to increase the convenience of mobile payment, and this mobile payment device can carry out mobile payment in existing POS terminal, expands the usable range of mobile payment.
Description
Technical field
The invention belongs to mobile payment field, be specifically related to method of mobile payment and the wearable mobile payment device for the method under a kind of line.
Background technology
Along with popularizing of mobile payment, increasing user adopts mobile payment mode to replace cash or the modes of payments of swiping the card.In the current digitalized network information age, mobile payment has penetrated into the every aspect of people's life, mobile payment is while bringing life convenience, also give some and carry out unreasonable or even illegal operation with chance for other people mobile payment behavior, such as, steal the payment account information etc. of user.Now, in the process promoting mobile payment, maintenance information safety, prevents the important payment information of user to be tampered, steals and just seem and be even more important.
But no matter be swipe the card payment or mobile payment, conventional cipher verification mode cannot meet current society need far away.At present, the most convenient is exactly biometrics identification technology with the solution of safety undoubtedly, such as fingerprint identification technology, everyone fingerprint lines is different on pattern, breakpoint and point of crossing, that is, the uniqueness of fingerprint characteristic and stability make fingerprint characteristic be particularly suitable for the authentication of mobile payment.
Existing mobile payment is usually based on mobile-phone payment, the mobile-phone payment means occurred on the market at present cannot use in the POS terminal of businessman, unless businessman renovates to the POS terminal that it is held or buys and facility that mobile-phone payment means match, the operation cost of businessman can be made to increase on the one hand, be unfavorable for the popularization of mobile-phone payment on the other hand.
Summary of the invention
The technical problem to be solved in the present invention is to provide method of mobile payment and the wearable mobile payment device for the method under a kind of line, the method uses fingerprint characteristic data to carry out identification checking, or fingerprint characteristic data is used for generating static tay, thus enhances the security of mobile payment.Method of mobile payment under this line is implemented with wearable mobile payment device, thus can in conjunction with magnetic pulse technology and fingerprint identification technology, guaranteeing payment under safe prerequisite, use wearable structure to increase the convenience of mobile payment, and this mobile payment device can carry out mobile payment in existing POS terminal, expands the usable range of mobile payment.
For solving the problems of the technologies described above, the present invention adopts following technical scheme:
Method of mobile payment under a kind of line, it is characterized in that, the method comprises the steps,
When S0. starting mobile payment, user is typing fingerprint on mobile payment device, calculates fingerprint characteristic data through algorithm for recognizing fingerprint module, and at fingerprint characteristic data comparison by afterwards, under line, mobile payment initiated by mobile device;
S1. with key and static tay for input, the micro-control unit of mobile payment device calls algorithm and calculates to generate and pay mark;
S2. use software integrated in micro-control unit, payment is marked successively through the process of coding unit, waveform modulated unit, generates modulation signal;
S3. the modulation signal comprising payment label information is sent to the magnetic-pulse transmitting terminal of mobile payment device by micro-control unit, and modulation signal is converted to magnetic-pulse signal by magnetic-pulse transmitting terminal;
S4. magnetic-pulse transmitting terminal launches magnetic-pulse signal to POS terminal in a non contact fashion, and POS terminal receives magnetic-pulse signal;
S5.POS terminal sends payment and settlement request to conventional payment network, and conventional payment network, after further fingerprint characteristic data comparison passes through, completes follow-up payment and settlement.
In one preferred embodiment, described static tay is by taking fingerprint characteristic data as input and generating according to mark generating algorithm.
In one preferred embodiment, described static tay passes through with payment account information for input and according to the generation of mark generating algorithm.
In one preferred embodiment, described static tay is generated by mobile payment device, high in the clouds payment services, mark service provider or Third-party payment platform.
In one preferred embodiment, the described fingerprint characteristic data comparison flow process in step S0 performs at mobile payment device, and algorithm for recognizing fingerprint module integration is at mobile payment device; Or
The mobile payment program that described fingerprint characteristic data comparison flow process in step S0 is installed on mobile terminals performs, and algorithm for recognizing fingerprint module integration is in mobile payment program; Or
Described fingerprint characteristic data comparison flow process in step S0 beyond the clouds payment services performs, the payment services beyond the clouds of algorithm for recognizing fingerprint module integration.
In one preferred embodiment, the further fingerprint characteristic data comparison flow process in step S5 performs at mark service provider, and mark service provider is integrated with algorithm for recognizing fingerprint module; Wherein
The finger print information of fingerprint sensor collection is passed to mark service provider through POS terminal with the form of message; Or
Mobile payment program, high in the clouds payment services that the finger print information of fingerprint sensor collection is installed on mobile terminal are passed to mark service provider.
In one preferred embodiment, described static tay carries out Hash operation generation by mobile payment device to fingerprint characteristic data.
In one preferred embodiment, described static tay is associated with a payment account, or described static tay is associated with multiple payment account, or multiple described static tay is associated with a payment account.
In one preferred embodiment, described static tay is associated with a fingerprint characteristic data, or described static tay is associated with multiple fingerprint characteristic data, or multiple described static tay is associated with a fingerprint characteristic data.
For the wearable mobile payment device of said method, comprise micro-control unit, safety element, magnetic-pulse transmitting terminal, communication interface, power supply and fingerprint unit, micro-control unit is electrically connected on communication interface, safety element, fingerprint unit and magnetic-pulse transmitting terminal respectively, and described power supply provides electric energy for described mobile payment device; Described fingerprint unit comprises finger print acquisition module, fingerprint identification module and fingerprint authentication module, and fingerprint unit can gather and identify that the fingerprint of user is for identifying user identity, for generating static tay.
In one preferred embodiment, described static tay and key storage are in the safety element of described mobile payment device.
In one preferred embodiment, mobile payment device carries out communication by wireline interface or wave point one of them and mobile terminal, and static tay is write described safety element.
In one preferred embodiment, described wireline interface comprises the audio interface of described mobile terminal, and described wave point comprises blue tooth interface, low-power consumption blue tooth interface, the Wifi interface of described mobile terminal.
In one preferred embodiment, be provided with health data collection unit in described mobile payment device, described health data collection unit is connected with described micro-control unit and described power electric respectively, and can gather human body physiological data.
In one preferred embodiment, in described mobile payment device, be integrated with bus IC card.
The present invention is adopted to have following beneficial effect:
1, the present invention uses fingerprint identification technology to carry out safety verification to mobile payment, to strengthen the reliability of mobile payment, can realize the convenient payment of mobile payment simultaneously, and such as fingerprint characteristic data can be used for generating static tay and is directly used in payment.
2, be combined the mobile payment device can launching magnetic-pulse signal and fingerprint identification technology, mobile payment is extended to consumption and payment market widely further, such as, commercially existing POS terminal infrastructure can promote mobile payment.
3, the static tay used in the present invention, the generate pattern of payment account Information base can be adopted, or adopt the generate pattern on fingerprint characteristic data basis, the generating mode of diversification, user can be made on the incidence relation of fingerprint and payment account to have more selection, which kind of use-pattern user can select according to self needing, and this is also use diversification interrelational form to improve the security of mobile payment and convenient payment characteristics from another point of view.
4, mobile payment device adopts wearable structure, is convenient to user and carries with, and can integrated health data collection function and bus IC card function etc. in such an embodiment, with by mobile payment function together with multiple public infrastructure function binding.
Accompanying drawing explanation
Fig. 1 is the schematic diagram of mobile payment device in conjunction with mobile payment under mobile terminal and POS terminal enforcement line;
Fig. 2 is the structured flowchart of mobile payment device in conjunction with mobile payment under mobile terminal and POS terminal enforcement line;
Fig. 3 is the generate pattern schematic diagram of static tay;
Fig. 4 is the incidence relation schematic diagram of fingerprint and payment account;
The main flow of Fig. 5 involved by fingerprint and functional diagram;
Fig. 6 is the polytropic relation figure relating to fingerprint.
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 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.
The invention discloses a kind of wearable mobile payment device, for implementing method of mobile payment under line of the present invention.Wearable mobile payment device can adopt Intelligent bracelet formula version, and as shown in the mark 40 in Fig. 1, wherein, mark 41 shows for mobile payment device, and mark 42 shows for bracelet cover.
The structured flowchart of mobile payment device is had shown in Fig. 2, mobile payment device comprises micro-control unit (MicrocontrollerUnit, MCU), power supply, safety element (SecureElement, SE), magnetic-pulse transmitting terminal, communication interface and fingerprint unit, micro-control unit is electrically connected on communication interface, safety element, fingerprint unit and magnetic-pulse transmitting terminal respectively.Power supply is electrically connected with other elements in mobile payment device except power supply self respectively, thus by power supply for mobile payment device provides electric energy, such as, power supply can be the battery of button cell and so on.
In a kind of embodiment, fingerprint unit comprises fingerprint sensor, is pre-stored with the legal finger print information holding user of mobile payment device in safety element.When carrying out fingerprint authentication, by micro-control unit, the finger print information that the finger print information and fingerprint sensor collection that are stored in safety element is compared.In another kind of embodiment, fingerprint unit comprises fingerprint sensor and corresponding fingerprint chip, and wherein, fingerprint chip refers to the chip product of embedded fingerprint identification technology, sheet can realize the image acquisition of fingerprint, feature extraction, chip that aspect ratio is right.In another embodiment, synoptically, fingerprint unit can be defined as and be made up of finger print acquisition module (such as fingerprint sensor), fingerprint identification module and extended function module, for realizing the function such as collection, comparison, storage, deletion of fingerprint characteristic.
In further embodiment, the fingerprint unit of mobile payment device comprises fingerprint sensor, and the algorithm for recognizing fingerprint module matched with fingerprint sensor can be integrated in mobile payment program or high in the clouds payment services that mobile payment device, mobile terminal are installed.Thus, different according to the integrated position of algorithm for recognizing fingerprint module, the executor of subscriber authentication flow process changes accordingly, such as, algorithm for recognizing fingerprint module integration at mobile payment device, then carrys out identifying user identity by mobile payment device according to the fingerprint characteristic data identified.
According to the difference of fingerprint recognition mode, fingerprint sensor is mainly divided into two classes at present: optical fingerprint sensor and semiconductor fingerprint sensor.By calling certain algorithm, computing being carried out to the finger print information of the user that fingerprint sensor scans collects, thus corresponding fingerprint characteristic data can be generated.The finger print information that user reserves is stored in specific storage area (such as safety element or fingerprint chip) with the form of fingerprint characteristic data, when needs carry out authentication identification, extract the fingerprint characteristic data of pre-stored, and compare with the fingerprint characteristic data comprising the finger print information that fingerprint sensor gathers again, adopt unanimously after authentication through comparison, just can continue to use mobile payment device to carry out follow-up mobile payment operation.In addition, user can add finger print information (or comprising the biological attribute data of finger print information) that is reserved or pre-stored according to actual needs, delete or the operation such as change, when carrying out this operation, still need first by authentication (such as carrying out authentication in the mode such as finger print identifying, cipher authentication).
A kind of preferred implementation of the communication interface of mobile payment device is wire communication interface, and such as, the communication interface of mobile payment device is the wireline interface of the audio connector form corresponding with the audio port of mobile terminal (as smart mobile phone).The another kind of preferred implementation of communication interface is wireless communication interface, such as, communication interface is the wave point of the bluetooth module form corresponding with the blue tooth interface of mobile terminal (as smart mobile phone), as shown in Figure 1, the mode with bluetooth communication between mobile payment device 41 with smart mobile phone 3 communicates.Thus via the communication interface of mobile payment device, user can every now and then in a wired or wireless fashion to upgrading for the information paid of storing in mobile payment device.On the one hand, user can increase or delete the information about different payment account (as bank card account, Third-party payment account etc.).On the other hand, user regularly or irregularly can change the information about same payment account, to improve the security of mobile payment.
Safety element is for storing static tay (Statictoken) and key (Key).For preventing outside malice from resolving attack, protected data safety, can encryption/decryption logic circuit be set in safety element.Micro-control unit can according to static tay and key, adopts the payment generated for mobile payment of certain algorithm mark (this payment mark belongs to content well known to those skilled in the art, such as, the E-Payment token specification can organized see EMVCo).Then, call software (comprising coding unit and waveform modulated unit, the functional unit of mobile payment program for mobile terminal is installed) and this payment mark is processed, generate modulation signal.Export this modulation signal to magnetic-pulse transmitting terminal afterwards.Magnetic-pulse transmitting terminal comprises magnet and is wound in the transmitting coil on magnet.Pass through transmitting coil, the modulation signal received (employing electrical signal form) can be converted to magnetic-pulse signal in the mode changing surrounding magnetic field by magnetic-pulse transmitting terminal, and (what can think employing is " magnetic signal " form, as marked shown in 2 in Fig. 1), and this magnetic-pulse signal is emitted to the magnetic head of POS terminal (as marked shown in 1 in Fig. 1).Wherein, the transmitting coil of magnetic-pulse transmitting terminal can be connected to the GPIO of micro-control unit (GeneralPurposeInputOutput, i.e. universal input/output) port.
Mobile payment device of the present invention adopts closed system design, in other words, after completing producer's manufacture and program setting, do not allow other mechanisms to carry out secondary development (comprising the secondary development etc. of software and hardware) to mobile device, thus stop the possibility that is tampered and suffers rogue program to attack.Can think, this design ensure that the security of the follow-up use of mobile payment device to a certain extent.
Pay mark and mainly comprise two parts data, i.e. static tay part and dynamic random number (Dynamicrandomnumber) part.For improving the security paid, the various key element contributing to improving payment safety can be introduced at dynamic random fractional part.Such as, can using dynamic time series as one of generation reference basis paying mark, the dynamic random fractional part that payment is marked is associated with dynamic time series, thus the potential safety hazard of static tay part of can preventing to a certain extent.
Wherein, the static tay stored in safety element can be generated by high in the clouds payment services, and high in the clouds payment services are the online service platform of the mobile payment program that mobile terminal is installed.Static tay also can be generated by high in the clouds payment services notification indicia service provider (such as bankcard association etc.), then by mark service provider, the static tay of generation is back to high in the clouds payment services.By high in the clouds payment services, static tay can also notify that on line, Third-party payment platform generates, and is then back to high in the clouds payment services by Third-party payment platform on line by the static tay of generation.Specifically whom generates static tay by, depend on payment account type (the such as bank card account that user uses, or hundred pairs of precious accounts, wealth pay logical account, the Third-party payment accounts such as payment account are irrigated by telecommunications wing payment account, UNICOM, etc.) and each inter-agency business associate pattern.
Fig. 3 shows the binding schematic diagram of fingerprint characteristic data and payment account information when generating static tay, the two kinds of interrelational forms exemplarily given in figure between fingerprint characteristic data and payment account information (generate static tay to mark service provider, and mark service provider has received the fingerprint characteristic data of the user sent through high in the clouds payment services), be respectively: 1) mark service provider according to the fingerprint characteristic data of user, corresponding static tay is generated with certain algorithm, then the payment account information of this static tay and user is bound together, form certain incidence relation.2) similar, mark service provider, according to the payment account information of user, generates corresponding static tay with certain algorithm, is then bound together by the fingerprint characteristic data of this static tay and user, form certain binding relationship.
Further, on the basis of the binding example shown in Fig. 3, what derive the fingerprint shown in Fig. 4 and payment account associates schematic diagram.Through binding flow process, the fingerprint of user can be made and between payment account, there is following several incidence relation: 1) fingerprint associates a payment account (or static tay); 2) fingerprint associates multiple payment account (or static tay); 3) payment account associates multiple fingerprint (or static tay); 4) combination of above-mentioned three kinds of incidence relations.Such as, the fingerprint of ten fingers of user can associate ten payment accounts respectively; Also the fingerprint of right hand thumb can be made to associate three payment accounts (payment account A as shown in Figure 4, payment account B and payment account C); Or make a payment account associate multiple fingerprint (fingerprint a as shown in Figure 4, fingerprint b and fingerprint c).
Set forth based on wearable mobile payment device mentioned above inventor design line under method of mobile payment, the various aspects that under line, method of mobile payment relates to will be launched hereinafter further.
1) user buys mobile payment device for the first time
The mobile payment device product that user buys is before dispatching from the factory, and write in safety element by manufacturer by key, key can be one or more, for realizing corresponding mobile payment function.User can use the upper mobile payment program registration user installed of mobile terminal (such as smart mobile phone) to access to your account, bind payment account, arrange the behaviors such as password, in this flow process, static tay will be written in the safety element of mobile payment device, establishes practice processes for implementing mobile payment behavior later.
In addition, user can by the fingerprint unit typing fingerprint characteristic data first that mobile payment device is arranged, and fingerprint characteristic data is stored in mobile payment device, with when follow-up use mobile payment device for verifying use identity, or uploaded for the corresponding static tay of generation by the mobile payment program of mobile terminal, or be uploaded to the legitimacy for checking mobile payment such as high in the clouds payment services and mark service provider.With reference to discussion above, the fingerprint characteristic data of user's typing may be used for realizing one or more functions following: mobile payment program login authentication; Pay after identity verification; Participate in generating static tay; Binding payment account; As the formation base paying the dynamic random fractional part marked; Etc..In a word, the function that the fingerprint characteristic data of user realizes, all holds with authentication of users the legal of payment account, mobile payment device or mobile payment program or use identity for aim.
2) user implements mobile payment
When user implements mobile payment, following mobile payment steps flow chart can be related to, include but not limited to following step content and step enforcement order.With reference to Fig. 1, have:
S1. with key and comprise payment account information or fingerprint characteristic data information static tay for input, the micro-control unit of mobile payment device calls algorithm and calculates to generate and pay mark;
S2. use software integrated in micro-control unit, payment is marked successively through the process of coding unit, waveform modulated unit, generates modulation signal;
S3. the modulation signal comprising payment label information is sent to the magnetic-pulse transmitting terminal of mobile payment device by micro-control unit;
S4. modulation signal is converted to magnetic-pulse signal by magnetic-pulse transmitting terminal;
S5. magnetic-pulse transmitting terminal launches magnetic-pulse signal to POS terminal in a non contact fashion, and POS terminal receives magnetic-pulse signal;
S6.POS terminal completes payment and settlement through conventional payment network.
The each step of mobile payment above relates to the use of the fingerprint characteristic data of user more or less, such as: in step sl, static tay may bind together with the fingerprint characteristic data of user, or static tay inherently generates based on the fingerprint characteristic data of user.
In a kind of embodiment, user, when each use mobile payment device implements mobile payment, first needs typing fingerprint on mobile payment device, to verify holder's identity.During checking, micro-control unit or fingerprint chip call the fingerprint characteristic data prestored, and are compared by the fingerprint characteristic data gathered during itself and this time mobile payment, consistent through both comparisons, be then verified.
In another kind of embodiment, when user implements mobile payment at every turn, in the payment and settlement stage, high in the clouds payment services or mark service provider or Third-party payment platform can be compared to each fingerprint characteristic data gathered equally, with identifying user identity or payment account or pay the legitimacy of behavior.
In another embodiment, the a certain fingerprint characteristic data of user has bound multiple payment account, user uses the static tay comprising this fingerprint characteristic data to carry out mobile payment, when conventional payment network carries out payment and settlement, according to the payment account use order arranged in advance, multiple payment account can be transferred successively and carries out payment and settlement.Such as, as shown in Figure 4, first conventional payment network calls payment account A and carries out payment and settlement, if in payment account A, Sorry, your ticket has not enough value to complete this payment and settlement, conventional payment network again can call payment account B and carry out payment and settlement, by that analogy.
In further embodiment, a payment account is tied to multiple fingerprint characteristic data (multiple fingerprint characteristic datas of such as user by user, or the fingerprint characteristic data of user and other relatives), any one that can use in these fingerprint characteristic datas carries out the authentication of mobile payment to complete payment and settlement.
User can store multiple static tay according to actual needs in mobile payment device, and the plurality of static tay can corresponding multiple payment account, also can corresponding multiple fingerprint characteristic data.Equally, user also can increase the static tay stored in mobile payment device, delete or change according to demand, may need to upgrade the relevant information of high in the clouds payment services or mark service provider simultaneously, these increase, delete or alter operation, come by the wired or wireless communication between mobile terminal and mobile payment device and mobile terminal and high in the clouds payment services or the communication marked between service provider, as shown in Figure 1.
In the present invention, with reference to Fig. 5, the main flow involved by fingerprint and function include, but are not limited to, and fingerprint collecting, fingerprint recognition, authentication, association payment account, generation pay mark.Wherein, fingerprint collecting can realize on mobile payment device, or realizes on mobile terminals and the finger print information of collection is passed to mobile terminal; Fingerprint recognition is then determined by whom to be realized according to the integrated position of fingerprint algorithm identification module.The fingerprint characteristic data identified can be used for authentication, association payment account and generates static tay.Wherein, fingerprint characteristic data is compared thus identifying user identity, can carry out at mobile payment device, mobile applications, high in the clouds payment services or mark service provider; In addition, both fingerprint characteristic data binding can be associated to a certain or some payment account, and can also be with fingerprint characteristic data input and generate static tay (generation of static tay can generate at mobile payment device, high in the clouds payment services or mark service provider) by mark generating algorithms such as Hash operation.
In implementation procedure of the present invention, the relation (as shown in Figure 6) that fingerprint can and occur more or less in many ways, wherein " in many ways " comprises mobile payment device, mobile applications, high in the clouds payment services, mark service provider, Third-party payment platform, payment and settlement side (bank, POS operator) etc.Such as, the finger print information of mobile payment device collection is passed to mark service provider for generating static tay or identifying user identity by POS with the form of message.
Content of the present invention and accompanying drawing thereof discuss or the mobile payment device that illustrates except the Intelligent bracelet formula version shown in Fig. 1 can be adopted, carrying with or wearable version of other can also be adopted, the versions such as such as card form, bite type, key type, key ring type.In these portable structures, mobile payment device can integrated health data collection unit or bus IC card, and wherein, health data collection unit is connected with micro-control unit and power electric respectively, and can gather human body physiological data.So far, mobile payment device not only can implement mobile payment in existing POS terminal, can also implement corresponding function on other public infrastructure.
Should be appreciated that exemplary embodiment as herein described is illustrative and nonrestrictive.Although describe one or more embodiment of the present invention by reference to the accompanying drawings, it should be understood by one skilled in the art that when not departing from the spirit and scope of the present invention limited by claims, the change of various forms and details can be made.
Claims (15)
1. a method of mobile payment under line, is characterized in that, the method comprises the steps:
When S0. starting mobile payment, user is typing fingerprint on mobile payment device, calculates fingerprint characteristic data through algorithm for recognizing fingerprint module, and at fingerprint characteristic data comparison by afterwards, under line, mobile payment initiated by mobile device;
S1. with key and static tay for input, the micro-control unit of mobile payment device calls algorithm and calculates to generate and pay mark;
S2. use software integrated in micro-control unit, payment is marked successively through the process of coding unit, waveform modulated unit, generates modulation signal;
S3. the modulation signal comprising payment label information is sent to the magnetic-pulse transmitting terminal of mobile payment device by micro-control unit, and modulation signal is converted to magnetic-pulse signal by magnetic-pulse transmitting terminal;
S4. magnetic-pulse transmitting terminal launches magnetic-pulse signal to POS terminal in a non contact fashion, and POS terminal receives magnetic-pulse signal;
S5.POS terminal sends payment and settlement request to conventional payment network, and conventional payment network, after further fingerprint characteristic data comparison passes through, completes follow-up payment and settlement.
2. according to method of mobile payment under line according to claim 1, it is characterized in that, described static tay is by taking fingerprint characteristic data as input and generating according to mark generating algorithm.
3. according to method of mobile payment under line according to claim 1, it is characterized in that, described static tay passes through with payment account information for input and according to the generation of mark generating algorithm.
4. according to method of mobile payment under the line described in Claims 2 or 3, it is characterized in that, described static tay is generated by mobile payment device, high in the clouds payment services, mark service provider or Third-party payment platform.
5. according to method of mobile payment under line according to claim 1, it is characterized in that, the described fingerprint characteristic data comparison flow process in step S0 performs at mobile payment device, and algorithm for recognizing fingerprint module integration is at mobile payment device; Or
The mobile payment program that described fingerprint characteristic data comparison flow process in step S0 is installed on mobile terminals performs, and algorithm for recognizing fingerprint module integration is in mobile payment program; Or
Described fingerprint characteristic data comparison flow process in step S0 beyond the clouds payment services performs, the payment services beyond the clouds of algorithm for recognizing fingerprint module integration.
6. according to method of mobile payment under line according to claim 1, it is characterized in that, the further fingerprint characteristic data comparison flow process in step S5 performs at mark service provider, and mark service provider is integrated with algorithm for recognizing fingerprint module; Wherein
The finger print information of fingerprint sensor collection is passed to mark service provider through POS terminal with the form of message; Or
Mobile payment program, high in the clouds payment services that the finger print information of fingerprint sensor collection is installed on mobile terminal are passed to mark service provider.
7. according to method of mobile payment under line according to claim 2, it is characterized in that, described static tay carries out Hash operation generation by mobile payment device to fingerprint characteristic data.
8. according to method of mobile payment under line according to claim 2, it is characterized in that, described static tay is associated with a payment account, or described static tay is associated with multiple payment account, or multiple described static tay is associated with a payment account.
9. according to method of mobile payment under line according to claim 3, it is characterized in that, described static tay is associated with a fingerprint characteristic data, or described static tay is associated with multiple fingerprint characteristic data, or multiple described static tay is associated with a fingerprint characteristic data.
10. for the wearable mobile payment device of method according to claim 1, it is characterized in that, described mobile payment device comprises micro-control unit, safety element, magnetic-pulse transmitting terminal, communication interface, power supply and fingerprint unit, micro-control unit is electrically connected on communication interface, safety element, fingerprint unit and magnetic-pulse transmitting terminal respectively, and described power supply provides electric energy for described mobile payment device; Described fingerprint unit comprises finger print acquisition module, fingerprint identification module and fingerprint authentication module, and fingerprint unit can gather and identify that the fingerprint of user is for identifying user identity, for generating static tay.
11., according to mobile payment device according to claim 10, is characterized in that, described static tay and key storage are in the safety element of described mobile payment device.
12., according to mobile payment device according to claim 10, is characterized in that, mobile payment device carries out communication by wireline interface or wave point one of them and mobile terminal, and static tay is write described safety element.
13., according to mobile payment device according to claim 12, is characterized in that, described wireline interface comprises the audio interface of described mobile terminal, and described wave point comprises blue tooth interface, low-power consumption blue tooth interface, the Wifi interface of described mobile terminal.
14. according to mobile payment device according to claim 10, it is characterized in that, be provided with health data collection unit in described mobile payment device, described health data collection unit is connected with described micro-control unit and described power electric respectively, and can gather human body physiological data.
15., according to mobile payment device according to claim 10, is characterized in that, are integrated with bus IC card in described mobile payment device.
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Cited By (7)
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| CN105701386A (en) * | 2016-02-18 | 2016-06-22 | 宇龙计算机通信科技(深圳)有限公司 | Security certification method and device |
| CN105787730A (en) * | 2016-03-24 | 2016-07-20 | 上海易码信息科技有限公司 | Two-factor authentication mobile payment method in offline card mode and system thereof |
| CN105844456A (en) * | 2016-03-22 | 2016-08-10 | 福建联迪商用设备有限公司 | Payment terminal integrating fingerprint module set and payment method of payment terminal |
| CN107025561A (en) * | 2017-03-24 | 2017-08-08 | 广东工业大学 | A kind of payment system based on fingerprint recognition |
| CN108564362A (en) * | 2018-05-30 | 2018-09-21 | 第美卡事业股份有限公司 | The preparation card of mobile payment |
| CN109711850A (en) * | 2018-12-29 | 2019-05-03 | 努比亚技术有限公司 | A kind of safe payment method, equipment and computer readable storage medium |
| CN112036867A (en) * | 2020-08-31 | 2020-12-04 | 深圳市兆珑科技有限公司 | Secure payment method, device and system |
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| CN105701386A (en) * | 2016-02-18 | 2016-06-22 | 宇龙计算机通信科技(深圳)有限公司 | Security certification method and device |
| CN105844456A (en) * | 2016-03-22 | 2016-08-10 | 福建联迪商用设备有限公司 | Payment terminal integrating fingerprint module set and payment method of payment terminal |
| CN105787730A (en) * | 2016-03-24 | 2016-07-20 | 上海易码信息科技有限公司 | Two-factor authentication mobile payment method in offline card mode and system thereof |
| CN107025561A (en) * | 2017-03-24 | 2017-08-08 | 广东工业大学 | A kind of payment system based on fingerprint recognition |
| CN108564362A (en) * | 2018-05-30 | 2018-09-21 | 第美卡事业股份有限公司 | The preparation card of mobile payment |
| CN109711850A (en) * | 2018-12-29 | 2019-05-03 | 努比亚技术有限公司 | A kind of safe payment method, equipment and computer readable storage medium |
| CN109711850B (en) * | 2018-12-29 | 2023-12-08 | 努比亚技术有限公司 | Secure payment method, device and computer readable storage medium |
| CN112036867A (en) * | 2020-08-31 | 2020-12-04 | 深圳市兆珑科技有限公司 | Secure payment method, device and system |
| WO2022042105A1 (en) * | 2020-08-31 | 2022-03-03 | 百富计算机技术（深圳）有限公司 | Secure payment method, apparatus and system |
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