CN107194699B - Payment system, method and device based on biological characteristics and readable storage medium - Google Patents
Payment system, method and device based on biological characteristics and readable storage medium Download PDFInfo
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- CN107194699B CN107194699B CN201710421786.8A CN201710421786A CN107194699B CN 107194699 B CN107194699 B CN 107194699B CN 201710421786 A CN201710421786 A CN 201710421786A CN 107194699 B CN107194699 B CN 107194699B
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- 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
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- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention discloses a payment system, a method, a device and a readable storage medium based on biological characteristics, wherein the payment system based on biological characteristic identification comprises a charging foreground, an account subsystem and an associated subsystem which are in communication connection with each other; the charging foreground sends the acquired biological characteristic information to the association subsystem so that the association subsystem acquires account information corresponding to the biological characteristic information, and the association subsystem sends the account information to the account subsystem; and the account subsystem carries out fee deduction payment on the account corresponding to the account information. According to the scheme, the charge foreground and the account subsystem are associated through the association subsystem, and the payment can be carried out through the account corresponding to the account information by means of the biological characteristic information acquired by the charge foreground, so that the payment is separated from the physical voucher and the hardware requirement, the risk of losing the physical voucher is avoided, the operation cost is reduced, the money receiving process is simplified, and the payment convenience is improved.
Description
Technical Field
The invention mainly relates to the technical field of electronic payment, in particular to a payment system, a method and a device based on biological characteristics and a readable storage medium.
Background
Along with the improvement of the living standard of people, the consumption capability of people is also greatly improved. Under the development of science and technology, payment modes of people also become various, and from cash payment to bank card swiping consumption and to the current mobile payment popularity, the requirements of people on the convenience and the safety of payment are continuously improved. However, although today's payment techniques and means have been significantly developed, various inconveniences remain, such as: physical payment certificates (currency, bank cards, mobile terminals and the like) still need to be carried, so that the physical payment certificates are inconvenient to carry and easy to lose; for two-dimension code payment, the two-dimension code is required to be used as a connection means for payment, and inconvenience is caused when conditions are not allowed; if the merchant needs to open a two-dimensional code collection means, hardware facilities such as a code scanning gun and the like need to be arranged, and the cost of the merchant is increased.
Disclosure of Invention
The invention mainly aims to provide a payment system, a method, a device and a readable storage medium based on biological characteristics, and aims to solve the problem that in the prior art, payment is inconvenient due to the fact that payment depends on physical certificates or hardware.
In order to achieve the above object, the present invention provides a biometric-based payment system, which includes a charging foreground, an account subsystem and an association subsystem, which are communicatively connected to each other; the charging foreground sends the acquired biological characteristic information to the association subsystem so that the association subsystem acquires account information corresponding to the biological characteristic information, and the association subsystem sends the account information to the account subsystem; and the account subsystem carries out fee deduction payment on the account corresponding to the account information.
Preferably, the charging foreground comprises a main control module, and an extraction module array and a communication module which are respectively in communication connection with the main control module; the extraction module array is used for acquiring biological characteristic information, the communication module is used for establishing communication connection between a charging foreground and an account subsystem or an associated subsystem, and the main control module is used for scheduling the extraction module array and communication module resources.
Preferably, the payment system further includes a service subsystem, and the service subsystem is in communication connection with the main control module to execute the service authorization instruction sent by the main control module and record service authorization execution conditions.
Preferably, the association subsystem is integrated with a charging foreground, or the association subsystem is deployed in the account subsystem;
the association subsystem is used for storing the biological characteristic information of the signed user input by the charging foreground, storing the association information of the biological characteristic information and the account information association and comparing the biological characteristic information to index the account information.
In addition, in order to achieve the above object, the present invention further provides a payment method based on biometric features, wherein the payment method based on biometric features comprises the following steps:
when a payment operation is received, acquiring current biological characteristic information corresponding to the payment operation;
identifying the current biological characteristic information and indexing account information matched with the current biological characteristic information;
and sending the account information to an account subsystem so as to carry out deduction payment on the corresponding account through the account subsystem.
Preferably, the step of identifying the current biometric information and indexing account information matching the current biometric information comprises:
comparing the current biological characteristic information with a biological characteristic information base stored in the association subsystem to acquire target biological characteristic information corresponding to the current biological characteristic information in the biological characteristic information base;
and acquiring account information according to the target biological characteristic information.
Preferably, when the payment operation is received, the step of acquiring the current biometric information corresponding to the payment operation includes:
receiving the biological characteristic information and account information input operation of the signed user, and storing the biological characteristic information and the corresponding account information in an association subsystem in an associated manner.
Preferably, the step of paying for the corresponding account information by the account subsystem is followed by:
and receiving feedback information of successful payment, executing a service authorization instruction sent by the main control module according to the feedback information, and recording service authorization execution conditions.
In addition, to achieve the above object, the present invention also provides a biometric-based payment apparatus, including: a memory, a processor, a communication bus, and a biometric-based payment program stored on the memory;
the communication bus is used for realizing connection communication between the processor and the memory;
the processor is configured to execute the biometric-based payment program to perform the steps of:
when a payment operation is received, acquiring current biological characteristic information corresponding to the payment operation;
identifying the current biological characteristic information and indexing account information matched with the current biological characteristic information;
and sending the account information to an account subsystem so as to carry out deduction payment on the corresponding account through the account subsystem.
Further, to achieve the above object, the present invention also provides a readable storage medium storing one or more programs, the one or more programs being executable by one or more processors for:
when a payment operation is received, acquiring current biological characteristic information corresponding to the payment operation;
identifying the current biological characteristic information and indexing account information matched with the current biological characteristic information;
and sending the account information to an account subsystem so as to carry out deduction payment on the corresponding account through the account subsystem.
The payment system based on the biological characteristics comprises a charging foreground, an account subsystem and a correlation subsystem which are in communication connection with each other, wherein the charging foreground is used for obtaining the biological characteristic information during payment and sending the obtained biological characteristic information to the correlation subsystem, and the correlation subsystem is used for obtaining the account information corresponding to the biological characteristic information and sending the account information to the account subsystem so as to carry out fee deduction payment on an account corresponding to the account information through the account subsystem. According to the scheme, the charge foreground and the account subsystem are associated through the association subsystem, and the payment can be carried out through the account corresponding to the account information by means of the biological characteristic information acquired by the charge foreground, so that the payment is separated from the physical voucher and the hardware requirement, the risk of losing the physical voucher is avoided, the operation cost is reduced, the money receiving process is simplified, and the payment convenience is improved.
Drawings
FIG. 1 is a data flow diagram of a biometric-based payment system of the present invention;
FIG. 2 is a schematic flow chart diagram of a first embodiment of a biometric-based payment method of the present invention;
FIG. 3 is a schematic flow chart diagram of a second embodiment of a biometric-based payment method of the present invention;
FIG. 4 is a schematic flow chart diagram of a third embodiment of a biometric-based payment method of the present invention;
fig. 5 is a schematic device structure diagram of a hardware operating environment related to a method according to an embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides a payment system based on biological characteristics.
Referring to fig. 1, fig. 1 is a schematic flow chart of a first embodiment of a biometric-based payment system according to the present invention. In this embodiment, the biometric-based payment system includes a charging front platform, an account subsystem and an association subsystem, which are communicatively connected to each other; the charging foreground sends the acquired biological characteristic information to the association subsystem so that the association subsystem acquires account information corresponding to the biological characteristic information, and the association subsystem sends the account information to the account subsystem; and the account subsystem carries out fee deduction payment on the account corresponding to the account information.
The payment system based on the biological characteristics can be applied to self-service equipment shared by multiple persons, such as a self-service vending machine, a self-service washing machine, a self-service doll grabbing machine, a shared bicycle, a shared charging treasure and the like, and can also be applied to charging terminals of charging places, such as supermarkets, canteens, restaurants, shopping malls, parking lots and the like. The biometric features may be, but are not limited to, biometric information such as fingerprints, human iris, human face, palm print, and voiceprint, which are used to characterize the uniqueness of the user. The payment system based on the biological characteristics comprises a charging foreground, an account subsystem and an association subsystem which are mutually in communication connection, wherein the association subsystem associates the charging foreground with the account subsystem. When a user uses shared self-service equipment or pays at a charging terminal, the part carrying the biological characteristic information is placed on a charging foreground for induction, if the biological characteristic information is a fingerprint or a human face, the finger or the human face where the fingerprint is located is close to the charging foreground for induction, the charging foreground obtains the biological characteristic information of the finger or the human face and sends the obtained biological characteristic information to an association subsystem, and the association subsystem obtains account information corresponding to the biological characteristic information. The method comprises the steps that an account subsystem background is connected with a payment system, after a correlation subsystem acquires account information corresponding to user biological characteristic information, the account information is sent to the account subsystem, and confirmation of the account information and a user operation environment is carried out, wherein the confirmation of the account information comprises confirmation of whether an account is a blacklist account or not and whether balance in the account is sufficient or not, and the confirmation of the user operation environment comprises confirmation of whether equipment operated by a user normally runs or not, such as whether a self-service washing machine is in fault or not. And only when the account information and the user operation environment are confirmed to be normal, starting a payment system through the account subsystem to carry out fee deduction payment on the account corresponding to the account information. And when the account information or the user operating environment is abnormal, the payment system cannot be started to carry out fee deduction payment on the account corresponding to the account information, so that the benefit of the merchant or the user is prevented from being lost. The payment system can be a third-party payment platform such as a payment bank, a WeChat, a credit card, a bank card and the like, and can also pay and deduct money by means of charging or purchasing virtual money in the charging account through a charging account or a virtual money account built in the system.
In a further technical scheme, the charging foreground comprises a main control module, and an extraction module array and a communication module which are respectively in communication connection with the main control module; the extraction module array is used for acquiring biological characteristic information, the communication module is used for establishing communication connection between a charging foreground and an account subsystem or an associated subsystem, and the main control module is used for scheduling the extraction module array and communication module resources.
Specifically, the charging foreground comprises a main control module, an extraction module array and a communication module. The extraction module array is used for acquiring biological characteristic information, the form of the module array can acquire one type of biological characteristic information to identify the identity of a user, such as identifying the identity of the user through any one of fingerprints or human irises, and can also identify the identity of the user through acquiring mixed multiple types of biological characteristic information, such as identifying the identity of the user through a fingerprint and human face mode, so that the accuracy of user identity identification is enhanced. The charging foreground is provided with a contact or non-contact sensing device, a user places a part carrying biological characteristic information on the sensing device for sensing, and the extraction module acquires the biological characteristic information sensed by the sensing device. The communication module is used for establishing communication connection between the charging foreground and the account subsystem or the associated subsystem, and the implementation mode can be 2G, 3G, 4G, WIFI and other networks, and can also be any one of Bluetooth or NB-iot and other communication modes. The association subsystem can be integrated in the charging foreground and also can be integrated in the account subsystem, when the association subsystem is integrated in the charging foreground, the biological characteristic information acquired by the charging foreground is correspondingly matched with the account information in the association subsystem, the communication module establishes the communication connection between the charging foreground and the account subsystem, and the matched account information is uploaded to the account subsystem. When the association subsystem is integrated in the account subsystem, the communication module establishes communication connection between the charging front end and the association subsystem, sends the biological characteristic information acquired by the charging front end to the association subsystem, and matches the account information in the association subsystem. In addition, the communication module is also used for issuing the payment information, the consumption information and the like of the account subsystem to a charging foreground and the like. The main control module is respectively in communication connection with the extraction module array and the communication module and is used for regulating and controlling resources of the extraction module array and the communication module, controlling the extraction module array to acquire the biological characteristic information on one hand, controlling the communication module to send account information corresponding to the biological characteristic information to the account subsystem on the other hand, and controlling the communication module to receive payment information issued by the account subsystem and the like.
Furthermore, the payment system also comprises a service subsystem, wherein the service subsystem is in communication connection with the main control module to execute the service authorization instruction sent by the main control module and record the service authorization execution condition.
The payment system of the embodiment further includes a service subsystem, and the service subsystem is related to a service scene, such as a selling service of a vending machine or a charging service of a shopping mall. When the account subsystem starts the payment system to carry out fee deduction payment on the account corresponding to the account information successfully, the information of successful payment is sent to the charging foreground through the communication module. And according to the successful payment information, the main control module establishes communication connection with the service subsystem and sends a service authorization instruction to the service subsystem. And the service subsystem executes the service authorization instruction sent by the main control module and records the service authorization execution condition. The service authorization is service content related to a service scene, for example, when a charging foreground of the vending machine receives successful payment information, goods need to be given. The main control module authorizes an instruction that the business subsystem can sell goods, corresponding goods are spitted out through a goods outlet of the vending machine according to the instruction, and business authorization execution conditions are recorded. Specifically, the service volume and the inventory of the service subsystem after the service subsystem executes the service authorization instruction can be recorded, for example, after the goods are delivered from the delivery port of the vending machine, the selling volume and the inventory of the goods after the service authorization instruction of the delivered goods is executed are recorded. The execution time of the service authorization instruction, such as the shipment time of the self-service vending machine, can also be recorded.
In a further technical solution, the association subsystem is integrated with a charging foreground, or the association subsystem is deployed in the account subsystem;
the association subsystem is used for storing the biological characteristic information of the signed user input by the charging foreground, storing the association information of the biological characteristic information and the account information association and comparing the biological characteristic information to index the account information.
Further, the biometric-based payment system of the present scheme involves a fund transaction of a user, and needs to provide protection for a contracted user who is in an agreement with the contracted user so as to ensure the fund security of the contracted user. Before a user uses a payment system for payment, the user needs to enter the biological characteristic information in a charging foreground, and meanwhile, the user needs to associate account information for realizing payment. Specifically, the user registers at the charging foreground, signs a security agreement with the payment system, becomes a signing user, and inputs the biological characteristic information and the binding account information. The association subsystem stores and inputs the biological characteristic information of the signed user and the association information of the biological characteristic information and the account information. Because the number of subscribers using the payment system is large, the biometric information and the associated information stored by the associated subsystem are also large, and the large number of biometric information forms a biometric information base. And when the biological characteristic information is received, comparing the received biological characteristic information with the biological characteristic information base, identifying the biological characteristic information, and indexing account information according to an identification result. As in the biometric information base, the biometric information a corresponds to account information a1, and the biometric information B corresponds to account information B1; and when the received biological characteristic information is B, comparing the B with the biological characteristic information in the biological characteristic information base one by one until the B is identified, and indexing the corresponding account information B1 according to the B. The association subsystem can be integrated with the charging foreground or deployed in the account subsystem. When the system is integrated with the charging foreground, the system is electrically connected with the extraction module array and the communication module of the charging foreground so that the extraction module array sends the biological characteristic information to the association subsystem after acquiring the biological characteristic information, and the association subsystem compares the biological characteristic information with a biological characteristic information base stored by the association subsystem to find out the corresponding biological characteristic information. And acquiring corresponding account information according to the corresponding biological characteristic information, and sending the account information to the account subsystem through the communication module so that the account subsystem starts the payment system to deduct the fee of the account corresponding to the account information to finish payment. When the charging front-end is deployed in the account subsystem, the charging front-end communicates with the charging front-end through the communication module. The extraction module array at the front end of the charging sends the biological characteristic information to the association subsystem through the communication module after acquiring the biological characteristic information, and the association subsystem compares the biological characteristic information with a biological characteristic information base stored by the association subsystem to find out the corresponding biological characteristic information. And acquiring corresponding account information according to the corresponding biological characteristic information, and sending the account information to the account subsystem through the communication module so that the account subsystem starts the payment system to deduct the fee of the account corresponding to the account information to finish payment. The account subsystem can be deployed at the cloud, when the association subsystem is deployed at the account subsystem, the association subsystem is correspondingly deployed at the cloud, and a user can use the system in any equipment or charging place where the system is deployed only by inputting the biological characteristic information once, and does not need to rely on the system equipment or the charging place to input the biological characteristic information for multiple times.
The present invention further provides a payment method based on biological characteristics, and referring to fig. 2, in an embodiment, the payment method based on biological characteristics provided by the present invention includes the following steps:
step S10, when receiving payment operation, obtaining the current biological characteristic information corresponding to the payment operation;
according to the payment method based on the biological characteristics, when a user performs purchase operation and pays, payment operation is triggered, and when the payment operation is received by a charging foreground, current biological characteristic information corresponding to the payment operation is acquired. For shared self-service equipment such as a self-service vending machine or a self-service washing machine, a biological part carrying biological characteristic information, such as a finger carrying a fingerprint, a face of a human face and the like, can be directly placed on a sensing device of a charging front desk of the self-service vending machine or the self-service washing machine, and the placing operation is payment operation. When the payment operation is received, the extraction module array of the charging foreground acquires the biological characteristic information corresponding to the payment operation, and the biological characteristic information is sent by the current operation user, so that the biological characteristic information is set as the current biological characteristic information.
Step S20, identifying the current biological characteristic information and indexing the account information matched with the current biological characteristic information;
further, after the current biological characteristic information is obtained through the extraction module array of the charging foreground, the current biological characteristic information is identified according to a biological characteristic information base stored in the association subsystem, and account information matched with the current biological characteristic information is indexed according to the identified current biological characteristic information. Specifically, the steps of identifying the current biometric information and indexing account information that matches the current biometric information include:
step S21, comparing the current biological characteristic information with the biological characteristic information base stored in the association subsystem, and acquiring the target biological characteristic information corresponding to the current biological characteristic information in the biological characteristic information base;
and step S22, acquiring account information according to the target biological characteristic information.
In the embodiment, a biological characteristic information base of the subscriber is stored in the association subsystem, and the current biological characteristic information is compared with the biological characteristic information base stored in the association subsystem to identify the current biological characteristic information. When the biological characteristic information which is the same as the current biological characteristic information exists in the biological characteristic information base, the current biological characteristic information is successfully identified; otherwise, when the biological characteristic information which is the same as the current biological characteristic information does not exist in the biological characteristic information base, the current biological characteristic information identification is failed. The reason for the identification failure may be that the current biometric information is not entered into the association subsystem for storage, or that the user corresponding to the current biometric information is a blacklisted user and does not have the right to use the payment system. When the reason of the identification failure is that the current biological characteristic information is not recorded into the association subsystem for storage, prompting the user to perform registration and signing operations to become a signed user of the payment system, and recording the biological characteristic information and the account information into the association subsystem so as to identify the current biological characteristic information. And when the reason of the identification failure is that the user corresponding to the current biological characteristic information is the blacklist user, inquiring whether the user becomes the blacklist user, and whether the payment system is maliciously used or not, or the credit problem of the account subsystem is solved. And successfully identifying the current biological characteristic information, wherein the biological characteristic information which is the same as the current biological characteristic information exists in the current biological characteristic information base, and the biological characteristic information which is the same as the current biological characteristic information is obtained and is used as the target biological characteristic information. The biological characteristic information in the association subsystem is correspondingly associated and stored with the account information, so that the corresponding account information can be acquired from the association subsystem according to the target biological characteristic information.
And step S30, sending the account information to an account subsystem so as to carry out deduction payment on the corresponding account through the account subsystem.
Further, after the account information corresponding to the target biological characteristic information is obtained, the account information is sent to the account subsystem. The account subsystem background is connected with a payment system, the payment system can be a third party payment platform bound by a user, such as a payment treasure, a WeChat, a credit card, a bank card and the like, and also can pay and deduct money by means of charging or purchasing virtual money in a charging account through a charging account or a virtual money account built in the system. After the account information is sent to the account subsystem, the account subsystem searches for a corresponding account according to the account information, and the account information may include a corresponding user and a bound payment method, for example, a certain account information represents a user K, the bound payment method in the account subsystem is a payment instrument and a bank card, and the default payment method is a payment instrument. When the account subsystem receives the account information, the payment treasure account corresponding to the user K is searched for payment, and when the balance of the payment treasure account is insufficient, the user can be reminded to switch the payment treasure into other payment modes for payment, so that the payment for deducting the account corresponding to the account information through the account subsystem is realized.
Further, referring to fig. 3, in the first embodiment of the biometric-based payment method according to the present invention, in the second embodiment of the biometric-based payment method according to the present invention, the step S10, when receiving the payment operation, includes the steps of obtaining the current biometric information corresponding to the payment operation:
and step S40, receiving the biological characteristic information and account information input operation of the signed user, and storing the biological characteristic information and the corresponding account information in an association subsystem in an associated manner.
Understandably, the biometric-based payment method of the present scheme involves the fund transaction of the user, and needs to provide protection for the contracted user who is in an agreement with the contracted user so as to ensure the fund security of the contracted user. Before payment, a user needs to enter biological characteristic information in a charging foreground, and meanwhile, account information needs to be associated to achieve payment. Specifically, the user registers in the charging foreground, signs a security agreement with the payment system, becomes a signing user, and performs operations of entering the biological characteristic information and binding the account information. The association subsystem stores and inputs the biological characteristic information of the signed user and the association information of the biological characteristic information and the account information. Because the number of subscribers using the payment system is large, the biometric information and the associated information stored by the associated subsystem are also large, and the large number of biometric information forms a biometric information base. When the biological characteristic information is received, the received biological characteristic information is compared with the biological characteristic information base, the biological characteristic information is identified, and the account information is indexed according to the identification result.
Further, referring to fig. 4, in the second embodiment of the biometric-based payment method according to the present invention, in the third embodiment of the biometric-based payment method according to the present invention, the step S30 of paying the corresponding account information through the account subsystem includes:
and step S50, receiving feedback information of successful payment, executing a service authorization instruction sent by the main control module according to the feedback information, and recording service authorization execution conditions.
In this embodiment, after the account subsystem starts the payment system and successfully deducts the payment from the account corresponding to the account information, the communication module feeds back the successful payment feedback information to the charging foreground. When receiving the feedback information, the main control module of the charging foreground establishes communication connection with the service subsystem and sends a service authorization instruction to the service subsystem. And the service subsystem executes the service authorization instruction sent by the main control module and records the service authorization execution condition. The service authorization is service content related to a service scene, for example, when a charging foreground of the vending machine receives successful payment information, goods need to be given. The main control module authorizes an instruction that the business subsystem can sell goods, corresponding goods are spitted out through a goods outlet of the vending machine according to the instruction, and business authorization execution conditions are recorded. Specifically, the service volume and the inventory of the service subsystem after the service subsystem executes the service authorization instruction can be recorded, for example, after the goods are delivered from the delivery port of the vending machine, the selling volume and the inventory of the goods after the service authorization instruction of the delivered goods is executed are recorded. The execution time of the service authorization instruction, such as the shipment time of the self-service vending machine, can also be recorded.
Referring to fig. 5, fig. 5 is a schematic device structure diagram of a hardware operating environment related to a method according to an embodiment of the present invention.
The payment device based on the biological characteristics can be part of self-service equipment shared by multiple persons, such as a self-service vending machine, a self-service washing machine, a self-service doll grabbing machine, a shared bicycle, a shared charger and the like, and can also be part of a charging terminal of a supermarket, a canteen, a restaurant, a shopping mall, a parking lot and other charging places.
As shown in fig. 5, the biometric-based payment apparatus may include: a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002. The communication bus 1002 is used for realizing connection communication between the processor 1001 and the memory 1005. The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Optionally, the biometric-based payment device may further include a user interface, a network interface, a camera, RF (Radio Frequency) circuitry, sensors, audio circuitry, a WiFi module, and the like. The user interface may comprise a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may also comprise a standard wired interface, a wireless interface. The network interface may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface).
Those skilled in the art will appreciate that the biometric-based payment device configuration shown in fig. 5 does not constitute a limitation of biometric-based payment devices, and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 5, a memory 1005, which is a type of computer storage medium, may include an operating system, a network communication module, and a biometric-based payment program therein. The operating system is a program that manages and controls the biometric-based payment device hardware and software resources, supporting the operation of the biometric-based payment program as well as other software and/or programs. The network communication module is used to enable communication between the various components within the memory 1005, as well as with other hardware and software in the biometric-based payment device.
In the biometric-based payment apparatus shown in fig. 5, the processor 1001 is configured to execute the biometric-based payment program stored in the memory 1005, and implements the following steps:
when a payment operation is received, acquiring current biological characteristic information corresponding to the payment operation;
identifying the current biological characteristic information and indexing account information matched with the current biological characteristic information;
and sending the account information to an account subsystem so as to carry out deduction payment on the corresponding account through the account subsystem.
Further, the step of identifying the current biometric information and indexing account information matching the current biometric information comprises:
comparing the current biological characteristic information with a biological characteristic information base stored in the association subsystem to acquire target biological characteristic information corresponding to the current biological characteristic information in the biological characteristic information base;
and acquiring account information according to the target biological characteristic information.
Further, when the payment operation is received, the step of obtaining the current biological characteristic information corresponding to the payment operation is preceded,
the processor 1001 is configured to execute a biometric-based payment program stored in the memory 1005, implementing the steps of:
receiving the biological characteristic information and account information input operation of the signed user, and storing the biological characteristic information and the corresponding account information in an association subsystem in an associated manner.
Further, after the step of paying for the corresponding account information by the account subsystem,
the processor 1001 is configured to execute a biometric-based payment program stored in the memory 1005, implementing the steps of:
and receiving feedback information of successful payment, executing a service authorization instruction sent by the main control module according to the feedback information, and recording service authorization execution conditions.
The specific implementation of the payment device based on the biological characteristics of the present invention is basically the same as that of the above-mentioned embodiments of the payment method based on the biological characteristics, and is not described herein again.
The present invention provides a computer readable storage medium storing one or more programs, the one or more programs further executable by one or more processors for:
when a payment operation is received, acquiring current biological characteristic information corresponding to the payment operation;
identifying the current biological characteristic information and indexing account information matched with the current biological characteristic information;
and sending the account information to an account subsystem so as to carry out deduction payment on the corresponding account through the account subsystem.
Further, the step of identifying the current biometric information and indexing account information matching the current biometric information comprises:
comparing the current biological characteristic information with a biological characteristic information base stored in the association subsystem to acquire target biological characteristic information corresponding to the current biological characteristic information in the biological characteristic information base;
and acquiring account information according to the target biological characteristic information.
Further, when the payment operation is received, the step of obtaining the current biological characteristic information corresponding to the payment operation is preceded,
the one or more programs are also executable by the one or more processors for:
receiving the biological characteristic information and account information input operation of the signed user, and storing the biological characteristic information and the corresponding account information in an association subsystem in an associated manner.
Further, after the step of paying for the corresponding account information by the account subsystem,
the one or more programs are also executable by the one or more processors for:
and receiving feedback information of successful payment, executing a service authorization instruction sent by the main control module according to the feedback information, and recording service authorization execution conditions.
The specific implementation of the computer-readable storage medium of the present invention is substantially the same as the embodiments of the above-mentioned biometric-based payment method, and is not described herein again.
It should also be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all modifications and equivalents of the present invention, which are made by the contents of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A biometric-based payment system, wherein the biometric-based payment system comprises a charging foreground, an account subsystem and an association subsystem, which are communicatively connected to each other; the charging foreground sends the acquired biological characteristic information to an association subsystem so that the association subsystem acquires account information corresponding to the biological characteristic information after successfully identifying the biological characteristic information, determines the reason of identification failure after failing to identify the biological characteristic information, and inquires the reason of forming a blacklist user if the reason of identification failure is that the user corresponding to the current biological characteristic information is a blacklist user;
the correlation subsystem sends the account information to the account subsystem for confirmation of the account information and the operating environment; and after the account information is confirmed to be normal, deducting and paying the account corresponding to the account information through the account subsystem, wherein the confirmation of the account information comprises whether the account is a blacklist account or not, and the confirmation of the operating environment comprises whether the operated equipment is normally operated or not.
2. The biometric-based payment system of claim 1, wherein the charging front desk comprises a master control module, and an extraction module array and a communication module communicatively coupled to the master control module, respectively; the extraction module array is used for acquiring biological characteristic information, the communication module is used for establishing communication connection between a charging foreground and an account subsystem or an associated subsystem, and the main control module is used for scheduling the extraction module array and communication module resources.
3. The biometric-based payment system of claim 2, further comprising a service subsystem, wherein the service subsystem is communicatively connected to the master control module to execute the service authorization command sent by the master control module and record the service authorization execution.
4. The biometric-based payment system of claim 2, wherein the association subsystem is integrated with a charging front desk or is deployed at the account subsystem;
the association subsystem is used for storing the biological characteristic information of the signed user input by the charging foreground, storing the association information of the biological characteristic information and the account information association and comparing the biological characteristic information to index the account information.
5. A biometric-based payment method, comprising the steps of:
when a payment operation is received, acquiring current biological characteristic information corresponding to the payment operation;
identifying the current biological characteristic information, indexing account information matched with the current biological characteristic information after successful identification, determining the reason of failed identification after failed identification, and inquiring the reason of forming a blacklist user if the reason of failed identification is that the user corresponding to the current biological characteristic information is a blacklist user;
and sending the account information to an account subsystem for confirmation of the account information and the operating environment, and carrying out deduction payment on the corresponding account through the account subsystem after the confirmation is normal, wherein the confirmation of the account information comprises whether the account is a blacklist account, and the confirmation of the operating environment comprises whether the operated equipment is normally operated.
6. The biometric-based payment method of claim 5, wherein the steps of identifying the current biometric information and indexing account information that matches the current biometric information after successful identification comprise:
comparing the current biological characteristic information with a biological characteristic information base stored in the association subsystem, and judging that the current biological characteristic information is successfully identified when the biological characteristic information base has the biological characteristic information which is the same as the current biological characteristic information, so as to obtain target biological characteristic information corresponding to the current biological characteristic information in the biological characteristic information base;
and acquiring account information according to the target biological characteristic information.
7. The biometric-based payment method of claim 5 or 6, wherein the step of obtaining current biometric information corresponding to the payment operation when the payment operation is received is preceded by:
receiving the biological characteristic information and account information input operation of the signed user, and storing the biological characteristic information and the corresponding account information in an association subsystem in an associated manner.
8. The biometric-based payment method of claim 5 or 6, wherein the step of paying for the corresponding account information by the account subsystem is followed by:
and receiving feedback information of successful payment, executing a service authorization instruction sent by the main control module according to the feedback information, and recording service authorization execution conditions.
9. A biometric-based payment device, the biometric-based payment device comprising: a memory, a processor, a communication bus, and a biometric-based payment program stored on the memory:
the communication bus is used for realizing connection communication between the processor and the memory;
the processor is configured to execute the biometric-based payment program to implement the steps of the biometric-based payment method according to any one of claims 5-8.
10. A readable storage medium having stored thereon a biometric-based payment program which, when executed by a processor, carries out the steps of the biometric-based payment method according to any one of claims 5 to 8.
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