CN105844456A - Payment terminal integrating fingerprint module set and payment method of payment terminal - Google Patents
Payment terminal integrating fingerprint module set and payment method of payment terminal Download PDFInfo
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- CN105844456A CN105844456A CN201610163857.4A CN201610163857A CN105844456A CN 105844456 A CN105844456 A CN 105844456A CN 201610163857 A CN201610163857 A CN 201610163857A CN 105844456 A CN105844456 A CN 105844456A
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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
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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
- G06Q20/38—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
-
- 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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- Engineering & Computer Science (AREA)
- Finance (AREA)
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- Collating Specific Patterns (AREA)
Abstract
The invention discloses a payment terminal integrating a fingerprint module set and a payment method of the payment terminal. The payment terminal comprises a POS terminal and a PINPAD; the fingerprint module set is built in the PINPAD; the POS terminal obtains a fingerprint payment instruction and starts the fingerprint module set; the fingerprint module set acquires fingerprint data of a user and transmits the fingerprint data to a payment background server through the POS terminal, so that the payment background server can verify the fingerprint data; and the POS terminal completes a payment process according to a verification result returned by the payment background server. With the payment terminal and the payment method of the invention adopted, investment for a fingerprint scanner can be reduced, and fingerprint payment transaction can be directly supported, and therefore, hardware cost can be reduced.
Description
Technical field
The present invention relates to financial payment technical field, especially relate to payment terminal and the method for payment thereof of a kind of integrated fingerprint module.
Background technology
At present, POS terminal would generally a supporting external PINPAD code keypad, after client's brush bank card input transaction key.
The typing of second-generation identification card fingerprint so that the foundation of fingerprint database is possibly realized, fingerprint and personal identification one_to_one corresponding, the feasibility paid for fingerprint provides possibility.The wallet app (Alipay and wechat) of Third-party payment company also can be transferred through the finger print data of mobile phone collection user so that fingerprint payment verification is possibly realized.Fingerprint has uniqueness, stability and is difficult to the features such as replicability so that fingerprint pays more has reliability, and safety is higher, can effectively prevent the risk that password is revealed, and improves payment safety.Existing storage POS terminal great majority the most do not possess fingerprint payment function.Storage POS terminal is in order to support fingerprint payment function; would generally need to buy one fingerprint scanner of configuration; therefore hardware input cost is high, also wastes old POS terminal resource, and the most individually the purchase cost of fingerprint scanner is higher than what PINPAD integrated fingerprint module came.
Summary of the invention
The technical problem to be solved is: provide the PINPAD Password Input scheme of a kind of band fingerprint payment function, on the basis of original payment transaction key inputs, extends the function of fingerprint authentication, reduces trade company and again buys the input of fingerprint scanner.
In order to solve above-mentioned technical problem, the technical solution used in the present invention is: provide the method for payment of the payment terminal of a kind of integrated fingerprint module, and described payment terminal includes POS terminal and PINPAD, and PINPAD is built-in with fingerprint module；Wherein,
POS terminal obtains fingerprint payment instruction, and starts fingerprint module；
Fingerprint module gathers user fingerprints data
Transmit described finger print data to payment background server by POS terminal, verify；
The result that POS terminal returns according to payment background server, completes payment flow.
For solving the problems referred to above, the present invention also provides for the payment terminal of a kind of integrated fingerprint module, is built-in with fingerprint module including POS terminal and the PINPAD, PINPAD that communicate with connection, and described fingerprint module includes finger print acquisition module and Finger print characteristic abstract module,
Described POS terminal is used for obtaining fingerprint payment instruction, and starts fingerprint module；
Described finger print acquisition module is used for gathering user fingerprints data；
Described Finger print characteristic abstract module is for extracting the fingerprint characteristic in user fingerprints data.
The beneficial effects of the present invention is: be different from prior art, the present invention passes through PINPAD built-in fingerprint module, obtains fingerprint payment instruction in POS terminal, and starts fingerprint module, and gathers user fingerprints data；After checking finger print data, return and realize paying.By the way, the present invention can reduce the input of purchase fingerprint scanner just can directly support fingerprint payment transaction, reduces hardware input cost.
Accompanying drawing explanation
Fig. 1 is the PINPAD code keypad system appearance schematic diagram with POS terminal composition of the band fingerprint payment function of the specific embodiment of the invention；
Fig. 2 is the overall structure block diagram of the payment system of the PINPAD code keypad based on POS terminal+band fingerprint payment function of the specific embodiment of the invention；
Fig. 3 is the schematic flow sheet of the payment system of the PINPAD code keypad based on POS terminal+band fingerprint payment function of the specific embodiment of the invention.
Detailed description of the invention
By describing the technology contents of the present invention in detail, being realized purpose and effect, below in conjunction with embodiment and coordinate accompanying drawing to be explained.
The design of most critical of the present invention is: by integrated fingerprint module in PINPAD, when paying, and gathers finger print data, it is achieved pay.
The embodiment of the present invention one provides the method for payment of the payment terminal of a kind of integrated fingerprint module, and described payment terminal includes POS terminal and PINPAD, and PINPAD is built-in with fingerprint module；Wherein,
POS terminal obtains fingerprint payment instruction, and starts fingerprint module；
Fingerprint module gathers user fingerprints data
Transmit described finger print data to payment background server by POS terminal, verify；
The result that POS terminal returns according to payment background server, completes payment flow.
Wherein, before starting fingerprint module, also include:
POS terminal display the means of payment, and obtain user select instruction；
Judge to select whether instruction is fingerprint payment instruction,
The most then start fingerprint module；
Otherwise, then other means of payment are performed.
After POS terminal obtains fingerprint payment instruction, start fingerprint module by PINPAD order.
PINPAD shows payment, and points out user to carry out fingerprint collecting checking；
After fingerprint module starts, gather user fingerprints data by the finger print acquisition module of fingerprint module；
Send described finger print data to Finger print characteristic abstract module, carry out Finger print characteristic abstract.
POS terminal obtains the result that payment background server returns, it is judged that finger print data is the most legal,
The most then pay；
Otherwise, then refuse to pay.
Accordingly, the present invention also provides for the payment terminal of a kind of integrated fingerprint module, is built-in with fingerprint module including POS terminal and the PINPAD, PINPAD that communicate with connection, and described fingerprint module includes finger print acquisition module and Finger print characteristic abstract module,
Described POS terminal is used for obtaining fingerprint payment instruction, and starts fingerprint module；
Described finger print acquisition module is used for gathering user fingerprints data；
Described Finger print characteristic abstract module is for extracting the fingerprint characteristic in user fingerprints data.
Wherein, POS terminal is additionally operable to show the means of payment, and obtains user and select the instruction of the means of payment；
Judge to select whether instruction is fingerprint payment instruction,
The most then start fingerprint module；
Otherwise, then other means of payment are performed.
After POS terminal obtains fingerprint payment instruction, start fingerprint module by PINPAD order.
PINPAD also includes display screen, is used for showing payment, and points out user to carry out fingerprint collecting checking.
POS terminal also includes print module, for after payment completes, prints bill of exchange；And
It is communicatively coupled by USB interface or UART interface between POS terminal and PINPAD.
Implement technical scheme of the present invention for convenience of those skilled in the art, below in conjunction with accompanying drawing 1～3, be illustrated by a specific embodiment.
The present invention provides the PINPAD code keypad of a kind of band fingerprint payment function, on the basis of original payment transaction key inputs, extends the function of fingerprint authentication, reduces trade company and again buys the input of fingerprint scanner.
It is integrated that existing PINPAD has been realized in the function such as liquid crystal tip, key-press input, and the present invention adds fingerprint module in existing module basis.Fingerprint module generally can select the scheme of finger print acquisition module+Finger print characteristic abstract module.
The PINPAD code keypad of band fingerprint authentication function of the present invention, this PINPAD code keypad constitutes payment system with POS terminal (comprising cashier's machine, intelligent PDA, self-aided terminal etc.) and server.
PINPAD code keypad embeds a finger print acquisition module, finger print acquisition module collects finger print data, after Finger print characteristic abstract resume module, send payment background server to by POS terminal verify, POS terminal itself possesses and the function of server networking, and finger print data carries out legitimate verification by background server.
Control to fingerprint module can be operated by USB or serial mode, facilitates the system of PINPAD code keypad to design.Main frame POS terminal system needs the communication command of newly-increased PINPAD code keypad, is used for extending the communication of finger print data.
The method is specific as follows:
S1:POS terminal first carries out other contactless payments operation swiping the card or sweeping Quick Response Code or stored value card app；
S2: client is from main separation payment verification mode: password authentification or fingerprint authentication or the checking of password adding fingerprint；
S3: to have selected fingerprint authentication mode, POS terminal starts finger scan by PINPAD order；
S4:PINPAD liquid crystal display payment, and point out user input password or carry out fingerprint collecting checking；
S5: user presses your finger into finger print acquisition module；
S6: finger print acquisition module gathers finger print data feeding Finger print characteristic abstract module and carries out feature extraction, sends Finger print characteristic abstract result to payment background server by POS terminal and verifies；
S7:POS terminal gets paid the transaction results that backstage returns, successful then print bill of exchange, failed then return to step S4 and again point out user to carry out payment verification；
Compared with prior art, the payment system of PINPAD code keypad based on band fingerprint payment function of the present invention and having the beneficial effects that of method: first, PINPAD code keypad embeds a fingerprint module, add the fingerprint means of payment by the payment system that is combined as of this PINPAD code keypad and POS terminal, improve safety of payment；Secondly, additionally purchase fingerprint scanner cost for the integrated fingerprint module of PINPAD than individually and come low, can effectively reduce cost.
Fig. 1 is the PINPAD code keypad system appearance schematic diagram with POS terminal composition of the band fingerprint payment function of one embodiment of the invention, as shown in Figure 1, the present invention with USB (can also is that UART) as interface, the PINPAD code keypad of band fingerprint payment function is connected with POS terminal, with the communication of both realizations.POS terminal sends Finger print characteristic abstract result by USB to POS terminal to PINPAD transmitting control commands, PINPAD by USB.
Fig. 2 is the payment system of the PINPAD code keypad based on band fingerprint payment function of the embodiment of the present invention, as it can be seen, present system includes PINPAD code keypad, POS terminal and server, wherein:
The function such as liquid crystal tip, key-press input supported by described PINPAD code keypad, the most also it is integrated with fingerprint module, fingerprint module is by finger print acquisition module and Finger print characteristic abstract module composition, gathered fingerprint by finger print acquisition module to verify through Finger print characteristic abstract feeding payment backstage, thus verify client identity.
Described POS terminal comprises the terminal units such as cashier's machine, intelligent PDA, self-aided terminal.
The present invention is adopted as the mode of PINPAD integrated fingerprint module, extends the means of payment of POS terminal, on the basis of without individually purchasing fingerprint scanner, with the addition of fingerprint payment function for POS terminal, simultaneously again without changing POS terminal, effectively reduces cost.Additionally, Finger print characteristic abstract module can be with independent research, it would however also be possible to employ other third parties authorize Finger print characteristic abstract software so that fingerprint payment system more becomes motility, is substantially reduced the technology dependence to other business mens.
nullThe present invention also provides for the fingerprint payment scheme of a kind of system as described above: POS terminal application program first carries out swipes the card、Or sweep Quick Response Code、Or other contactless payments operation of stored value card app，By client from main separation payment verification mode，Including password authentification、The modes such as fingerprint authentication and password adding fingerprint checking，To have selected fingerprint authentication mode，POS terminal starts fingerprint module by PINPAD order，PINPAD liquid crystal display payment，And point out user to carry out fingerprint collecting checking，Now，Finger is pressed at PINPAD fingerprint collecting by user，Finger print acquisition module collection fingerprint sends payment backstage to by POS terminal after Finger print characteristic abstract and verifies，POS terminal gets paid the transaction results that backstage returns，Successful then print bill of exchange，Failed then again prompting user carry out payment verification.
As it is shown on figure 3, be the payment system flow chart of the PINPAD code keypad based on band fingerprint payment function of the embodiment of the present invention.It is as follows that the embodiment of the present invention is embodied as step:
1.POS end application first carries out other contactless payments operation swiping the card or sweeping Quick Response Code or stored value card app；
2. client is from main separation payment verification mode: password authentification or fingerprint authentication or the checking of password adding fingerprint；
3. pair have selected fingerprint authentication mode, POS terminal is by PINPAD order startup fingerprint module；
4.PINPAD liquid crystal display payment, and point out user to carry out fingerprint collecting checking；
5. user presses your finger into finger print acquisition module；
6. finger print acquisition module collection finger print data feeding Finger print characteristic abstract module carries out feature extraction, sends Finger print characteristic abstract result to payment background server by POS terminal and verifies；
7.POS terminal gets paid the transaction results that backstage returns, successful then print bill of exchange, failed then return to step 4 and again point out user to carry out payment verification；
Above-mentioned fingerprint pays embodiment all to be carried out on the premise of fingerprint database is set up, and i.e. has special finger print identifying mechanism to provide fingerprint database.
Especially, in the embodiment of the present invention, USB is only used for POS terminal and sends finger print data, and other control command agreements of PINPAD to PINPAD transmitting control commands and PINPAD to POS terminal.
Additionally, Finger print characteristic abstract module with independent research or use other third parties to authorize Finger print characteristic abstract software to be identified, but can be not limited to the prototype of these Finger print characteristic abstract softwares, those skilled in the art can do some deformation on this basis and optimize.
Compared with prior art, the payment system of PINPAD code keypad based on band fingerprint payment function of the present invention and having the beneficial effects that of method: first, PINPAD code keypad embeds a fingerprint module, add the fingerprint means of payment by the payment system that is combined as of this PINPAD code keypad and POS terminal, improve safety of payment；Secondly, additionally purchase fingerprint scanner cost for the integrated fingerprint module of PINPAD than individually and come low, can effectively reduce cost.
The foregoing is only embodiments of the invention; not thereby the scope of the claims of the present invention is limited; every equivalents utilizing description of the invention and accompanying drawing content to be made, or directly or indirectly it is used in relevant technical field, the most in like manner it is included in the scope of patent protection of the present invention.
Claims (10)
1. a method of payment for the payment terminal of integrated fingerprint module, described payment terminal includes POS terminal
And PINPAD, it is characterised in that PINPAD is built-in with fingerprint module；Wherein,
POS terminal obtains fingerprint payment instruction, and starts fingerprint module；
Fingerprint module gathers user fingerprints data；
Transmit described finger print data to payment background server by POS terminal, verify；
The result that POS terminal returns according to payment background server, completes payment flow.
The method of payment of the payment terminal of integrated fingerprint module the most according to claim 1, it is characterised in that
POS terminal obtains fingerprint payment instruction, and before starting the step of fingerprint module, also includes:
POS terminal display the means of payment, and obtain user select instruction；
Judge to select whether instruction is fingerprint payment instruction,
The most then start fingerprint module；
Otherwise, then other means of payment are performed.
The method of payment of the payment terminal of integrated fingerprint module the most according to claim 1, it is characterised in that
After POS terminal obtains fingerprint payment instruction, start fingerprint module by PINPAD order.
The method of payment of the payment terminal of integrated fingerprint module the most according to claim 1, it is characterised in that
PINPAD shows payment, and points out user to carry out fingerprint collecting checking；
After fingerprint module starts, gather user fingerprints data by the finger print acquisition module of fingerprint module；
Send described finger print data to Finger print characteristic abstract module, carry out Finger print characteristic abstract.
The method of payment of the payment terminal of integrated fingerprint module the most according to claim 1, it is characterised in that
The result that POS terminal returns according to payment background server, complete the step of payment flow particularly as follows:
POS terminal obtains the result that payment background server returns, it is judged that finger print data is the most legal,
The most then pay；
Otherwise, then refuse to pay.
6. a payment terminal for integrated fingerprint module, including POS terminal and the PINPAD that communicates with connection,
It is characterized in that, PINPAD is built-in with fingerprint module, and described fingerprint module includes finger print acquisition module and fingerprint
Characteristic extracting module,
Described POS terminal is used for obtaining fingerprint payment instruction, and starts fingerprint module；
Described finger print acquisition module is used for gathering user fingerprints data；
Described Finger print characteristic abstract module is for extracting the fingerprint characteristic in user fingerprints data.
The payment terminal of integrated fingerprint module the most according to claim 6, it is characterised in that
POS terminal is additionally operable to show the means of payment, and obtains user and select the instruction of the means of payment；
Judge to select whether instruction is fingerprint payment instruction,
The most then start fingerprint module；
Otherwise, then other means of payment are performed.
The payment terminal of integrated fingerprint module the most according to claim 6, it is characterised in that
After POS terminal obtains fingerprint payment instruction, start fingerprint module by PINPAD order.
The payment terminal of integrated fingerprint module the most according to claim 6, it is characterised in that
PINPAD also includes display screen, is used for showing payment, and points out user to carry out fingerprint collecting checking.
The payment terminal of integrated fingerprint module the most according to claim 6, it is characterised in that
POS terminal also includes print module, for after payment completes, prints bill of exchange；And
It is communicatively coupled by USB interface or UART interface between POS terminal and PINPAD.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610163857.4A CN105844456A (en) | 2016-03-22 | 2016-03-22 | Payment terminal integrating fingerprint module set and payment method of payment terminal |
| PCT/CN2016/093440 WO2017161796A1 (en) | 2016-03-22 | 2016-08-05 | Payment terminal integrated with fingerprint module and payment method therefor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610163857.4A CN105844456A (en) | 2016-03-22 | 2016-03-22 | Payment terminal integrating fingerprint module set and payment method of payment terminal |
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| CN105844456A true CN105844456A (en) | 2016-08-10 |
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| CN201610163857.4A Pending CN105844456A (en) | 2016-03-22 | 2016-03-22 | Payment terminal integrating fingerprint module set and payment method of payment terminal |
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| WO (1) | WO2017161796A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111461697A (en) * | 2020-04-17 | 2020-07-28 | 支付宝(杭州)信息技术有限公司 | Payment communication method and device and electronic equipment |
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| CN103632268A (en) * | 2013-12-03 | 2014-03-12 | 康连生 | Security authentication method and security authentication payment terminal |
| CN104657858A (en) * | 2013-11-20 | 2015-05-27 | 中国移动通信集团广东有限公司 | Electronic wallet identity authentication method and device as well as mobile terminal |
| CN105225102A (en) * | 2015-09-08 | 2016-01-06 | 上海易码信息科技有限公司 | Method of mobile payment and the wearable mobile payment device for the method under line |
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| CN2357364Y (en) * | 1999-02-12 | 2000-01-05 | 北京科瑞奇技术开发有限公司 | Fingerprint cipher keyboard |
| US8589238B2 (en) * | 2006-05-31 | 2013-11-19 | Open Invention Network, Llc | System and architecture for merchant integration of a biometric payment system |
| CN102194178A (en) * | 2011-06-08 | 2011-09-21 | 钱袋网（北京）信息技术有限公司 | Payment processing system, method and device |
| CN104408615A (en) * | 2014-12-10 | 2015-03-11 | 福建联迪商用设备有限公司 | POS (Point of Sale) transaction method and system adopting fingerprint recognition |
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2016
- 2016-03-22 CN CN201610163857.4A patent/CN105844456A/en active Pending
- 2016-08-05 WO PCT/CN2016/093440 patent/WO2017161796A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104657858A (en) * | 2013-11-20 | 2015-05-27 | 中国移动通信集团广东有限公司 | Electronic wallet identity authentication method and device as well as mobile terminal |
| CN103632268A (en) * | 2013-12-03 | 2014-03-12 | 康连生 | Security authentication method and security authentication payment terminal |
| CN105225102A (en) * | 2015-09-08 | 2016-01-06 | 上海易码信息科技有限公司 | Method of mobile payment and the wearable mobile payment device for the method under line |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111461697A (en) * | 2020-04-17 | 2020-07-28 | 支付宝(杭州)信息技术有限公司 | Payment communication method and device and electronic equipment |
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| WO2017161796A1 (en) | 2017-09-28 |
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