CN106611313A - A payment method, a terminal and a payment server - Google Patents
A payment method, a terminal and a payment server Download PDFInfo
- Publication number
- CN106611313A CN106611313A CN201510694666.6A CN201510694666A CN106611313A CN 106611313 A CN106611313 A CN 106611313A CN 201510694666 A CN201510694666 A CN 201510694666A CN 106611313 A CN106611313 A CN 106611313A
- Authority
- CN
- China
- Prior art keywords
- eyeprint
- payment
- signature identification
- user
- feature templates
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
Abstract
The invention provides a payment method, a terminal and a payment server. The method comprises the steps of collecting eye print feature pictures or videos of a current user when receiving an instruction to pay the payment using an eyeprint after logging in a payment account, and extracting an eyeprint feature template of the current user from the acquired eyeprint feature pictures or the videos; comparing the eyeprint feature template of the current user with the eyeprint feature template corresponding to the stored payment account, and verifying the identity of the user according to the comparison result; and if the verification is passed, performing the payment processing. The method of the invention can make up the deficiency of the fingerprint payment, and may also replace the fingerprint payment as a new payment method.
Description
Technical field
The present invention relates to the communications field, more particularly to a kind of method of payment, terminal and paying server.
Background technology
With the fast-developing and popularization of mobile payment, pay application and start to become target of attack, wooden horse disease
The malicious attack means such as poison, fishing connection can cause payment accounts or password is stolen, monetary losses and hidden
The baneful influences such as private information leakage.Credible performing environment (Trusted Execution Environment, letter
Claim TEE) operation of uneasy total event can be separated with the operation of safety component, in main operation system
The attack performed in system or the application run in master operating system cannot arrive at shielded soft in TEE
Part and data, therefore can comprehensively protect the application of high safety (such as：Finance, payment, enterprise's application etc.).
In addition, the extensive application with fingerprint identification technology on intelligent terminal, fingerprint recognition replacement password, base
In mobile phone TEE environment, it is possible to provide the management of finger print safety, encryption, checking, storage and running environment.
Therefore, the fingerprint recognition based on TEE, both can aid in promotion biometric sensor in intelligent terminal
On application, more convenient and reliable security service can be provided service supplier and consumer again.
It is existing that biological identification technology the most universal is combined with mobile payment is fingerprint recognition.Fingerprint recognition its
Real storage is in several main safety defects：None- identified live body, easily it is replicated, touch screen, microphone etc. are often
With all easily obtaining Fingerprint Model on object；Wet handss cannot be operated, in the case that the water on finger is not dried,
None- identified.
The content of the invention
The technical problem to be solved in the present invention is to provide a kind of method of payment, terminal and paying server, with
Make up the deficiency of fingerprint payment, it is also possible to substitute fingerprint as the brand-new means of payment and pay.
In order to solve above-mentioned technical problem, the invention provides a kind of method of payment, including：
When receiving the instruction paid using eyeprint after login payment accounts, the eye of active user is gathered
Stricture of vagina feature image or video, extract the eye of active user from the eyeprint feature image or video for being gathered
Stricture of vagina feature templates；
By the eyeprint feature templates of active user eyeprint feature corresponding with the payment accounts for prestoring
Template is contrasted, and the identity of user is verified according to comparing result；
If being verified, payment processes are carried out.
Further, said method also has following feature：The payment processes that carry out include：
Payment account checking request is sent to paying server；
After receiving the payment account authentication response information that the paying server is returned, paid a bill according to described
The eyeprint signature identification that family authentication response information is carried from it is locally extracted go out corresponding validated user eyeprint it is special
Levy template；
By the eyeprint feature templates of the eyeprint feature templates of the validated user for extracting and the active user
Contrasted, it is such as consistent, then send to the paying server and pay request.
Further, said method also has following feature：It is described to receive what is paid using eyeprint
Before instruction, also include：
The eyeprint feature image or video of collection validated user, extracts the eyeprint feature of the validated user
Template, and generate corresponding eyeprint signature identification according to the eyeprint feature templates of the validated user；
Preserve the eyeprint feature templates and its corresponding eyeprint signature identification of the validated user；
Start and pay after application, payment accounts are associated with the eyeprint signature identification, to eyeprint
Pay server sends registration request, carries the related information of the payment accounts and the eyeprint signature identification.
Further, said method also has following feature：The eyeprint for preserving the validated user is special
Template and its corresponding eyeprint signature identification are levied, including：
The eyeprint feature templates of the validated user and its corresponding eyeprint signature identification are stored in into credible holding
In row environment TEE or safe unit.
Further, said method also has following feature：Also include：
Receive and cancel after the instruction that eyeprint pays, read the corresponding eyeprint signature identification of the payment accounts
With eyeprint feature templates；
It is current by what is extracted from the eyeprint feature image or video of collection active user collection active user
The eyeprint feature templates of user, eyeprint feature templates corresponding with the payment accounts are contrasted, such as right
Than consistent, then send eyeprint to the paying server and pay de-registration request message.
In order to solve the above problems, present invention also offers a kind of terminal, wherein, including：
Acquisition module, for logging in payment accounts after when receiving the instruction paid using eyeprint, adopt
The eyeprint feature image or video of collection active user, for from the eyeprint feature image or video for being gathered
Extract the eyeprint feature templates of active user；
Authentication module, for by the eyeprint feature templates of the active user and the payment accounts for prestoring
Corresponding eyeprint feature templates are contrasted, and the identity of user is verified according to comparing result；
Payment module, if being verified for the authentication module, carries out payment processes.
Further, above-mentioned terminal also has following feature：The payment module, carries out payment processes bag
Include：Payment account checking request is sent to paying server；Receive the payment that the paying server is returned
After account verification response message, according to the eyeprint signature identification that the payment account authentication response information is carried
From it is locally extracted go out corresponding validated user eyeprint feature templates；By the eye of the validated user for extracting
Stricture of vagina feature templates are contrasted with the eyeprint feature templates of the active user, such as consistent, then to described
Pay server sends and pays request.
Further, above-mentioned terminal also has following feature：Also include memory module and Registering modules,
The acquisition module, is additionally operable to gather the eyeprint feature image or video of validated user, extracts institute
The eyeprint feature templates of validated user are stated, and correspondence is generated according to the eyeprint feature templates of the validated user
Eyeprint signature identification；
The memory module, for preserving the eyeprint feature templates and its corresponding eyeprint of the validated user
Signature identification；
The Registering modules, pay after application, by payment accounts and the eyeprint signature identification for starting
It is associated, to the paying server registration request is sent, carries the payment account and the eyeprint
The related information of signature identification.
Further, above-mentioned terminal also has following feature：
The memory module, by the eyeprint feature templates of the validated user and its corresponding eyeprint feature mark
Knowledge is stored in credible performing environment TEE or SE.
Further, above-mentioned terminal also has following feature：Also include,
Cancellation module, receives and cancels after the instruction that eyeprint pays, and reads the corresponding eye of the payment accounts
Stricture of vagina signature identification and eyeprint feature templates；The eyeprint characteristic pattern of active user will be gathered from collection active user
The eyeprint feature templates of the active user extracted in piece or video, eyeprint corresponding with the payment accounts
Feature templates are contrasted, and such as contrast consistent, then paying cancellation to the paying server application eyeprint please
Ask.
In order to solve the above problems, present invention also offers a kind of method of payment, is applied to paying server,
Including：
After receiving login request message, payment accounts and corresponding eye that the registration request is carried are extracted
The related information of stricture of vagina signature identification is stored；
After receiving payment account checking request message, carried according to the payment account checking request message
Payment accounts get corresponding eyeprint signature identification, in payment account authentication response information carry should
Eyeprint signature identification；
After receiving payment request, payment transaction process is carried out.
Further, said method also has following feature：Also include：
Receive eyeprint to pay after de-registration request message, delete and specify the corresponding eyeprint feature mark of payment accounts
Know.
In order to solve the above problems, present invention also offers a kind of paying server, wherein, including：
Memory module, for receiving login request message after, extract that the registration request carries
The number of paying a bill is stored with the related information of corresponding eyeprint signature identification；
Authentication module, for receiving payment account checking request message after, tested according to the payment account
The payment accounts that card request message is carried get corresponding eyeprint signature identification, ring in payment account checking
Answer and carry in message the eyeprint signature identification；
Payment module, pays after request for receiving, and carries out payment transaction process.
Further, above-mentioned paying server also has following feature：Also include：
Cancellation module, pays after de-registration request message for receiving eyeprint, deletes and specifies payment accounts pair
The eyeprint signature identification answered.
To sum up, the present invention provides a kind of method of payment, terminal and paying server, to make up fingerprint payment
Deficiency, it is also possible to substitute fingerprint as the brand-new means of payment and pay.
Description of the drawings
Fig. 1 is the schematic diagram of the terminal of the embodiment of the present invention；
Fig. 2 is the schematic diagram of the eyeprint paying server of the embodiment of the present invention；
Fig. 3 is the flow chart of the method for the eyeprint payment register of the embodiment of the present invention；
The flow chart of the method that Fig. 4 pays for the eyeprint of the embodiment of the present invention；
Fig. 5 pays the flow chart of the method nullified for the eyeprint of the embodiment of the present invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention become more apparent, below in conjunction with accompanying drawing
Embodiments of the invention are described in detail.It should be noted that in the case where not conflicting, this Shen
Please in embodiment and the feature in embodiment can mutual combination in any.
The appearance of eyeprint feature identification technique, can both solve the problems, such as vivo identification, it is also difficult to be replicated.
The scene in mobile payment is applied, has both been possessed safety or has been possessed convenience and disguise, can be more
Mend the deficiency that fingerprint pays, it is also possible to substitute fingerprint as the brand-new means of payment.
The present embodiments relate to device include that eyeprint recognizes payment terminal and paying server.The present invention
Embodiment eyeprint identification payment terminal device be made up of four parts, respectively eyeprint collection apparatus system,
Eyeprint characteristic storage system, eyeprint inspection by attributes system A, payment transaction system C.The embodiment of the present invention
Eyeprint paying server device include：Eyeprint signature identification ID memory modules, eyeprint inspection by attributes system
System R, payment transaction system S.
Fig. 1 is the schematic diagram of the terminal of the embodiment of the present invention, as shown in figure 1, the terminal bag of the present embodiment
Include：
Acquisition module, for logging in payment accounts after when receiving the instruction paid using eyeprint, adopt
The eyeprint feature image or video of collection active user, for from the eyeprint feature image or video for being gathered
Extract the eyeprint feature templates of active user；
Authentication module, for by the eyeprint feature templates of the active user and the payment accounts for prestoring
Corresponding eyeprint feature templates are contrasted, and the identity of user is verified according to comparing result.It is responsible for
Judge pay whether scene active user is legal, and the data that inspection reads from eyeprint characteristic storage system
Whether it is tampered.
Payment module, if being verified for the authentication module, carries out payment processes.It is responsible for propping up
Pay between client and server, with reference to eyeprint characteristic information situation is checked, carry out processing business flow process.
Wherein, the acquisition module can utilize photographic head (Camera) device in terminal, record and close
The eyeprint template of method user；In the scene using eyeprint, such as pay, using Camera current using is obtained
The eyeprint feature at family, so that eyeprint feature verification module determines whether legal payment user identity.
The payment module, carrying out payment processes can include：Payment account is sent to paying server to test
Card request；After receiving the payment account authentication response information that the paying server is returned, according to described
The eyeprint signature identification that the family authentication response information of paying a bill is carried from it is locally extracted go out corresponding validated user eye
Stricture of vagina feature templates；By the eyeprint of the eyeprint feature templates of the validated user for extracting and the active user
Feature templates are contrasted, such as consistent, then paid.
The present embodiment terminal also includes：Memory module and Registering modules,
The memory module, for preserving the eyeprint feature templates and its corresponding eyeprint of the validated user
Signature identification；The eyeprint feature templates of the validated user and its corresponding eyeprint signature identification are stored in
Credible performing environment TEE or SE (safe unit) are inner.
The Registering modules, pay after application, by payment accounts and the eyeprint signature identification for starting
It is associated, to the paying server registration request is sent, carries the payment account and the eyeprint
The related information of signature identification.
The terminal of the present embodiment does not store the original image of eyeprint, only preserves from eyeprint original image/video
The eyeprint feature templates of extraction, eyeprint template can not inversely release the original image of eyeprint.Eyeprint is stored in
TEE or SE (safe unit) the insides, and encrypting storing.
The terminal of the present embodiment also includes,
Cancellation module, receives and cancels after the instruction that eyeprint pays, and reads the corresponding eye of the payment accounts
Stricture of vagina signature identification and eyeprint feature templates；The eyeprint characteristic pattern of active user will be gathered from collection active user
The eyeprint feature templates of the active user extracted in piece or video, eyeprint corresponding with the payment accounts
Feature templates are contrasted, and such as contrast consistent, then paying cancellation to the paying server application eyeprint please
Ask.
The terminal of the embodiment of the present invention must also in addition to the systems such as the necessary communication of mobile phone, display, audio frequency
Must possess Camera devices, to the characteristic information for gathering eyeprint identification, as the identity of payment system
Mark.
Fig. 2 is the schematic diagram of the eyeprint paying server of the embodiment of the present invention, as shown in Fig. 2 this enforcement
The eyeprint paying server of example includes：
Memory module, for receiving login request message after, extract that the registration request carries
The number of paying a bill is stored with the related information of corresponding eyeprint signature identification, is responsible for preserving user on the server
Eyeprint characteristic ID, this eyeprint characteristic ID is only one-to-one correspondence in eyeprint feature templates；
Authentication module, for receiving payment account checking request message after, tested according to the payment account
The payment accounts that card request message is carried get corresponding eyeprint characteristic ID, in payment account auth response
The eyeprint characteristic ID is carried in message；
Payment module, pays after request for receiving, and with reference to eyeprint characteristic information situation is checked, and carries out
Payment transaction process.
Fig. 3 is the flow chart of the method for the eyeprint payment register of the embodiment of the present invention, as shown in figure 3, this
The method of embodiment includes：
Step 11：Payment terminal records the original image or video of validated user eyeprint, extracts eyeprint special
Template is levied, and according to eyeprint template generation eyeprint characteristic ID.
In the present embodiment, using the Camera cam devices in terminal, validated user eyeprint is recorded
Original image, only preserves the eyeprint feature templates extracted from eyeprint original image/video, and eyeprint template is not
The original image of eyeprint can inversely be released.
Step 12：Preserve eyeprint feature templates and eyeprint characteristic ID；
The eyeprint feature that eyeprint feature templates and eyeprint characteristic ID are stored in eyeprint identification payment terminal is deposited
In storage system, preservation can be inside TEE or SE, and encrypting storing.
Step 13：Payment accounts are logged in, payment accounts are associated with the eyeprint characteristic ID of user,
Then the related information of payment accounts and eyeprint characteristic ID is uploaded to into eyeprint paying server.
On eyeprint identification payment client terminal, start and pay class App (application), log in payment accounts,
It is associated with the eyeprint characteristic ID of user；The information that payment accounts are associated with eyeprint characteristic ID is uploaded
To the eyeprint signature identification ID storage systems of eyeprint paying server, the registration process of eyeprint payment is completed.
The flow chart of the method that Fig. 4 pays for the eyeprint of the embodiment of the present invention, as shown in figure 4, this enforcement
The method of example includes：
Step 21：Obtain the eyeprint feature templates of active user；
In eyeprint identification payment terminal, user opens and pays App, for a certain item paying project, choosing
Select and paid with eyeprint；The eyeprint feature image of payment terminal startup Camera photographic head seizure active users/
Video, extracts the eyeprint feature templates of active user.
Step 22：The eyeprint feature templates of active user eyeprint corresponding with registered payment accounts is special
Levy template to be contrasted, the identity of user is verified according to comparing result；
Using the registered eyeprint characteristic ID of App accounts is paid from eyeprint characteristic storage system, extract
Go out the eyeprint feature templates of validated user, by comparing for active user's eyeprint feature templates and validated user,
If comparing result is consistent, 23 are gone to step, into the concrete payment flow of payment transaction system C；Such as
Fruit comparing result is inconsistent, then interrupt this and pay APP operation flows, points out disabled user.
Step 23：Payment terminal carries out payment processes.
In the present embodiment, payment transaction system C of eyeprint identification payment terminal is to eyeprint paying server
Payment transaction system S sends payment account checking request, payment of payment transaction system S in request
Account gets the eyeprint characteristic ID of its registration, payment transaction system from eyeprint signature identification ID storage systems
System S fills in eyeprint characteristic ID in payment account auth response, returns payment transaction system C,
Eyeprint characteristic ID that operation system C returned according to server is paid from local eyeprint characteristic storage system,
The eyeprint feature templates of validated user are extracted, is contrasted with the active user's eyeprint feature templates for catching, such as
Fruit is unanimously then paid.
Fig. 5 pays the flow chart of the method nullified for the eyeprint of the embodiment of the present invention, as shown in figure 5, this
The method of embodiment comprises the steps：
Step 31：Payment terminal is received to be cancelled after the instruction that eyeprint pays, and reads payment accounts corresponding
Eyeprint characteristic ID and eyeprint feature templates；
Step 32：Payment terminal opens the original graph that Camera cam devices record active user's eyeprint
Piece/video, extracts eyeprint feature templates；
Step 33：Two eyeprint feature templates of step 31 and step 32 are contrasted, if contrast
As a result consistent, then payment transaction system C of eyeprint identification payment client terminal is to eyeprint paying server application
Eyeprint pays to be nullified；Payment transaction system S is received after request, by server eyeprint signature identification ID
Corresponding data in storage system is deleted, and completes the log off procedure of eyeprint payment；If contrast is inconsistent,
Failure is nullified in then prompting.
The eyeprint means of payment in the present embodiment is one kind of intelligent terminal's means of payment, is paid as password
A kind of outer mode, can select the means of payment by user.
The eyeprint of the embodiment of the present invention pays auth method and extends locally to be recognized with server dual identity
Card：
Local verification process：Before the server authentication flow process for paying App is started, first locally entering
Row proof of identity；
The verification process of server：By the request that eyeprint is recognized expand to intelligent payment terminal and server it
Between interaction instruction in, by verify eyeprint feature it is whether legal to judge this payment transaction flow process.
The method of payment of the embodiment of the present invention can be substituted and referred to by eyeprint identification and the combination of mobile payment
Stricture of vagina pays, it is to avoid the defect that fingerprint pays.
In the application of mobile payment APP, this mode of operation of eyeprint payment is provided the user.Make
Recognized on the intelligent apparatus for paying with eyeprint, need to first pass through the eye that Camera collections pay validated user
Stricture of vagina feature templates, using the template generation ID is uniquely identified, by payment accounts and eyeprint signature identification ID
Binding, when the follow-up account moves payment, it is possible to which this mode is recognized using eyeprint.
User, when being paid the bill, can first start Camera by eyeprint feature using App applications are paid
Acquisition system catches the eyeprint feature of active user, by its eyeprint character modules with the binding of payment accounts before
Plate is contrasted, if unanimously, can carry out the Signalling exchange with paying server, now pays clothes
The eyeprint signature identification ID that business device can be over there preserved according to it, returns to payment client terminal, carries out again
Authentication, by rear, completes payment flow.
So mobile-payment system both will not carry out delivery operation with any illegal user, also to user
One very easily means of payment, allows mobile payment protection and secure communication further.
The collection of the eyeprint identification feature proposed in the embodiment of the present invention, can be realized by two ways：
1st, on the mobile terminal device in the form of app realizing, so by the Camera in terminal
And preset eyeprint feature extraction algorithm, the function of legal account eyeprint feature binding can be completed, and
And the related data of these features can be protected directly by the eyeprint characteristic storage system on terminal unit
Pipe, the proof of identity in subsequent movement payment process can be completed in this terminal.
2nd, on PC equipment realize, user can utilize home computer, office computer Camera with
And install eyeprint feature extraction algorithm plug-in unit/application come complete eyeprint feature analysiss and extract function.So
Afterwards, eyeprint characteristic can be passed on Mobile payment terminal by special instrument.Mobile payment terminal
The binding of eyeprint characteristic and payment accounts can be completed by paying App, and be responsible for account and
The mapping relations of eyeprint upload to paying server.
The storage system of the eyeprint identification feature proposed in the embodiment of the present invention can pass through on mobile terminals two
Kind of mode is realizing：
1st, hardware chip, the system higher for security level required can be by eyeprint identification feature number
According to being stored in hardware chip, such as eSE (safe unit of electronics), encryption T cards, by general
Chip interface is encrypted the protection of storage；
2nd, software storage, for the system of common level of security, can preserve eyeprint identification feature data
The encrypting storing in the TEE of equipment.
In the present invention propose eyeprint identification payment system, except substitute completely fingerprint pay, can with
Fingerprint pays and combines, the supplement and enhancing as fingerprint technique：
1st, it is simple to strengthen, it is local in Mobile payment terminal, carry out fingerprint and pay while Camera can be started
Immediately eyeprint verification is carried out, if verification does not pass through, even if fingerprint correctly also cannot pay；
2nd, deeply strengthen, it is local in Mobile payment terminal, and eyeprint is all added between paying server
Identification verification, needs eyeprint and fingerprint all to verify and passes through, and just allows to pay.
The appearance of eyeprint feature identification technique, can both solve the problems, such as vivo identification, it is also difficult to be replicated.
The method of the embodiment of the present invention is applied the scene in mobile payment by eyeprint feature identification, has both possessed safety
Also possess convenience and disguise, the deficiency of fingerprint payment can be made up, it is also possible to as brand-new payment
Mode substitutes fingerprint payment.
One of ordinary skill in the art will appreciate that all or part of step in said method can pass through program
To instruct related hardware to complete, described program can be stored in computer-readable recording medium, such as read-only
Memorizer, disk or CD etc..Alternatively, all or part of step of above-described embodiment can also be used
One or more integrated circuits are realizing.Correspondingly, each module/unit in above-described embodiment can be adopted
The form of hardware is realized, it would however also be possible to employ the form of software function module is realized.The present invention is not restricted to appoint
The combination of the hardware and software of what particular form.
The preferred embodiments of the present invention are these are only, certainly, the present invention can also there are other various embodiments,
In the case of without departing substantially from spirit of the invention and its essence, those of ordinary skill in the art work as can be according to this
Various corresponding changes and deformation are made in invention, but these corresponding changes and deformation should all belong to the present invention
Appended scope of the claims.
Claims (14)
1. a kind of method of payment, including：
When receiving the instruction paid using eyeprint after login payment accounts, the eye of active user is gathered
Stricture of vagina feature image or video, extract the eye of active user from the eyeprint feature image or video for being gathered
Stricture of vagina feature templates；
By the eyeprint feature templates of active user eyeprint feature corresponding with the payment accounts for prestoring
Template is contrasted, and the identity of user is verified according to comparing result；
If being verified, payment processes are carried out.
2. the method for claim 1, it is characterised in that：The payment processes that carry out include：
Payment account checking request is sent to paying server；
After receiving the payment account authentication response information that the paying server is returned, paid a bill according to described
The eyeprint signature identification that family authentication response information is carried from it is locally extracted go out corresponding validated user eyeprint it is special
Levy template；
By the eyeprint feature templates of the eyeprint feature templates of the validated user for extracting and the active user
Contrasted, it is such as consistent, then send to the paying server and pay request.
3. the method for claim 1, it is characterised in that：Described receiving carries out propping up using eyeprint
Before the instruction paid, also include：
The eyeprint feature image or video of collection validated user, extracts the eyeprint feature of the validated user
Template, and generate corresponding eyeprint signature identification according to the eyeprint feature templates of the validated user；
Preserve the eyeprint feature templates and its corresponding eyeprint signature identification of the validated user；
Start and pay after application, payment accounts are associated with the eyeprint signature identification, to eyeprint
Pay server sends registration request, carries the related information of the payment accounts and the eyeprint signature identification.
4. the method as described in any one of claim 1-3, it is characterised in that：It is described to preserve described legal
The eyeprint feature templates of user and its corresponding eyeprint signature identification, including：
The eyeprint feature templates of the validated user and its corresponding eyeprint signature identification are stored in into credible holding
In row environment TEE or safe unit.
5. method as claimed in claim 4, it is characterised in that：Also include：
Receive and cancel after the instruction that eyeprint pays, read the corresponding eyeprint signature identification of the payment accounts
With eyeprint feature templates；
It is current by what is extracted from the eyeprint feature image or video of collection active user collection active user
The eyeprint feature templates of user, eyeprint feature templates corresponding with the payment accounts are contrasted, such as right
Than consistent, then send eyeprint to the paying server and pay de-registration request message.
6. a kind of terminal, it is characterised in that include：
Acquisition module, for logging in payment accounts after when receiving the instruction paid using eyeprint, adopt
The eyeprint feature image or video of collection active user, for from the eyeprint feature image or video for being gathered
Extract the eyeprint feature templates of active user；
Authentication module, for by the eyeprint feature templates of the active user and the payment accounts for prestoring
Corresponding eyeprint feature templates are contrasted, and the identity of user is verified according to comparing result；
Payment module, if being verified for the authentication module, carries out payment processes.
7. terminal as claimed in claim 6, it is characterised in that：
The payment module, carrying out payment processes includes：Sending payment account checking to paying server please
Ask；After receiving the payment account authentication response information that the paying server is returned, paid a bill according to described
The eyeprint signature identification that family authentication response information is carried from it is locally extracted go out corresponding validated user eyeprint it is special
Levy template；By the eyeprint feature of the eyeprint feature templates of the validated user for extracting and the active user
Template is contrasted, such as consistent, then send to the paying server and pay request.
8. terminal as claimed in claim 6, it is characterised in that：Also include memory module and Registering modules,
The acquisition module, is additionally operable to gather the eyeprint feature image or video of validated user, extracts institute
The eyeprint feature templates of validated user are stated, and correspondence is generated according to the eyeprint feature templates of the validated user
Eyeprint signature identification；
The memory module, for preserving the eyeprint feature templates and its corresponding eyeprint of the validated user
Signature identification；
The Registering modules, pay after application, by payment accounts and the eyeprint signature identification for starting
It is associated, to the paying server registration request is sent, carries the payment account and the eyeprint
The related information of signature identification.
9. the terminal as described in any one of claim 6-8, it is characterised in that：
The memory module, by the eyeprint feature templates of the validated user and its corresponding eyeprint feature mark
Knowledge is stored in credible performing environment TEE or SE.
10. terminal as claimed in claim 9, it is characterised in that：Also include,
Cancellation module, receives and cancels after the instruction that eyeprint pays, and reads the corresponding eye of the payment accounts
Stricture of vagina signature identification and eyeprint feature templates；The eyeprint characteristic pattern of active user will be gathered from collection active user
The eyeprint feature templates of the active user extracted in piece or video, eyeprint corresponding with the payment accounts
Feature templates are contrasted, and such as contrast consistent, then paying cancellation to the paying server application eyeprint please
Ask.
A kind of 11. methods of payment, are applied to paying server, including：
After receiving login request message, payment accounts and corresponding eye that the registration request is carried are extracted
The related information of stricture of vagina signature identification is stored；
After receiving payment account checking request message, carried according to the payment account checking request message
Payment accounts get corresponding eyeprint signature identification, in payment account authentication response information carry should
Eyeprint signature identification；
After receiving payment request, payment transaction process is carried out.
12. methods as claimed in claim 11, it is characterised in that：Also include：
Receive eyeprint to pay after de-registration request message, delete and specify the corresponding eyeprint feature mark of payment accounts
Know.
13. a kind of paying servers, it is characterised in that include：
Memory module, for receiving login request message after, extract that the registration request carries
The number of paying a bill is stored with the related information of corresponding eyeprint signature identification；
Authentication module, for receiving payment account checking request message after, tested according to the payment account
The payment accounts that card request message is carried get corresponding eyeprint signature identification, ring in payment account checking
Answer and carry in message the eyeprint signature identification；
Payment module, pays after request for receiving, and carries out payment transaction process.
14. paying servers as claimed in claim 13, it is characterised in that：Also include：
Cancellation module, pays after de-registration request message for receiving eyeprint, deletes and specifies payment accounts pair
The eyeprint signature identification answered.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510694666.6A CN106611313A (en) | 2015-10-21 | 2015-10-21 | A payment method, a terminal and a payment server |
| PCT/CN2016/101182 WO2017067381A1 (en) | 2015-10-21 | 2016-09-30 | Payment method, terminal and payment server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510694666.6A CN106611313A (en) | 2015-10-21 | 2015-10-21 | A payment method, a terminal and a payment server |
Publications (1)
| Publication Number | Publication Date |
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| CN106611313A true CN106611313A (en) | 2017-05-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510694666.6A Pending CN106611313A (en) | 2015-10-21 | 2015-10-21 | A payment method, a terminal and a payment server |
Country Status (2)
| Country | Link |
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| CN (1) | CN106611313A (en) |
| WO (1) | WO2017067381A1 (en) |
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