CN109377237A - A kind of fingerprint recognition method of payment and the payment terminal machine using it - Google Patents
A kind of fingerprint recognition method of payment and the payment terminal machine using it Download PDFInfo
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- CN109377237A CN109377237A CN201811389580.2A CN201811389580A CN109377237A CN 109377237 A CN109377237 A CN 109377237A CN 201811389580 A CN201811389580 A CN 201811389580A CN 109377237 A CN109377237 A CN 109377237A
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- payment
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- finger print
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Collating Specific Patterns (AREA)
Abstract
The invention discloses a kind of fingerprint recognition method of payment and using its payment terminal machine, the fingerprint template information for acquiring user in advance is simultaneously bound with the personal payment account of the user and payment cipher information respectively;The following steps are included: obtaining the finger print information of user and payment information and being associated with;It is compared according to the finger print information of user with each fingerprint template information to match personal payment account;Payment information is matched with individual's payment account in payment services system to pay, payment services system issues input payment cipher request;Payment cipher request is received, is compared further according to the finger print information of user with each fingerprint template information to match payment cipher information;Payment services system is completed to pay according to payment cipher information;The design first input finger print information in the terminal device of buyer, can be matched to personal account information by finger print information, easy to operate without the operation scanned the two-dimensional code etc., more quick, the group suitable for all age group of payment.
Description
Technical field
The present invention relates to payment technical field on line, especially a kind of fingerprint recognition method of payment and the payment terminal using it
Machine.
Background technique
As mobile payment is promoted, more and more people use mobile payment, and the universal range of mobile payment is also increasingly wider,
It may be said that it is ubiquitous, such as supermarket, shop, restaurant, pharmacy etc..However previous mobile-payment system has a necessary mistake
Journey is exactly that seller has input payment information in payment terminal, needs buyer to provide by mobile device scanning with seller and is associated with
The two dimensional code of payment services system, bar code etc., so that payment information could be bound personal account by payment services system.Cause
This, this charge method require it is personal must specific three conditions: (1) to have Intelligent mobile equipment, such as mobile phone;(2) intelligent sliding
Payment system information, such as wechat, Alipay must also be housed in dynamic equipment;(3) smart machine can be operated, payment bar shaped is provided
Code.These conditions largely limit the elderly using mobile payment, count according to Alibaba, and the elderly uses mobile branch
The ratio paid is very low, and it is convenient that many elderlys can not enjoy mobile payment bring.
Summary of the invention
In order to solve the above technical problems, the object of the present invention is to provide a kind of maneuverable fingerprint recognition method of payment and
The payment terminal machine of adopting said method.
The technical solution adopted by the present invention is that:
A kind of fingerprint recognition method of payment acquires the fingerprint template information of user, by the fingerprint template of each user in advance
Information is bound with the personal payment account of the user and payment cipher information respectively;The following steps are included:
The finger print information and payment information of user are obtained, finger print information is associated with payment information;
It is compared according to the finger print information of user with each fingerprint template information to match personal payment account;
Payment information is matched with individual's payment account in payment services system to pay, payment services system
Issue input payment cipher request;
Payment cipher request is received, is compared further according to the finger print information of user with each fingerprint template information to match payment
Encrypted message;
Payment services system is completed to pay according to payment cipher information.
Before matching personal payment account according to the finger print information of user, push selection payment services system option, and
And after receiving to the selection information of payment services system, payment information is completed in the payment services system of selection and the individual props up
The matching for the number of paying the bill.
The payment services system includes wechat payment platform, Alipay payment platform, one in Interlink Card payment platform
Kind is a variety of.
Further, the first payment of setting qualifications, judge that payment information is unsatisfactory for the first payment qualifications, then to removing
The third party of both parties is gone to send verification information and verification information to be replied, when the verification information of reply is correctly further continued for holding
Row.
The first payment qualifications include one-time payment amount of money number, payment times or time of payment.
The first payment qualifications are the amount of money number for accumulating payment within a preset period of time.
Further, the second payment of setting qualifications, judge whether payment information meets the second payment qualifications, if full
Foot, then after receiving payment cipher request, without reacquiring the finger print information of user, using obtain before and payment information
Associated finger print information matches payment cipher, if not satisfied, then after receiving payment cipher request, it is desirable that reacquire and use
The finger print information at family, and payment cipher information is matched using the finger print information of the user reacquired.
The second payment qualifications include one-time payment amount of money number, payment times or time of payment.
A kind of payment terminal machine of employing fingerprint identification method of payment, including input operation end 1, fingerprint collecting end 2, processing
Module 3 and communication module 4, processing module 3 are electrically connected with input operation end 1, fingerprint collecting end 2, communication module 4 respectively,
Input operation end acquires the finger print information of user for inputting payment information, fingerprint collecting end, and communication module handles mould for making
Block is connect with payment services system communication, and processing module sends finger print information, payment information in payment services system and matches
Personal payment account, payment services system issue input payment cipher request to payment terminal machine, and it is close that processing module receives payment
The finger print information of user is requested and resurveyed to code, and sends payment services system matches payment cipher letter for finger print information
Breath is to complete to pay;
Alternatively, communication module is for connecting processing module with payment services system communication, processing module by finger print information,
Payment information, which is sent in payment services system, matches personal payment account, and payment services system is issued to the mobile device of user
Input payment cipher request, mobile device can obtain user finger print information and with payment services Radio Communication, move
Dynamic equipment receives payment cipher and requests and resurvey the finger print information of user, and sends payment services system for finger print information
System matching payment cipher information is to complete to pay.
Beneficial effects of the present invention:
Fingerprint recognition method of payment of the present invention, in advance by the fingerprint template information of each user respectively with the individual of the user
Payment account and the binding of payment cipher information;In payment flow, finger print information and payment information, and the two phase are obtained
It is associatedly sent to payment services system, goes out personal payment account, payment services system using finger print information and fingerprint stencil matching
System implements payment flow to personal payment account according to payment information, issues input payment cipher request, can require buyer herein
Finger print information is re-entered, or the finger print information of typing matches payment cipher information directly before utilization, to complete to prop up
It pays, the design first inputs a finger print information in the terminal device of buyer, can be matched to personal account by finger print information
Information in some cases, carries Intelligent mobile equipment, operation even without user without the operation scanned the two-dimensional code etc.
Simply, payment is more quick, suitable for the group of all age group, further, in the case where possessing Intelligent mobile equipment,
It can also send payment information in mobile device after having matched personal payment account and be checked for user, user is logical
Mobile device input finger print information is crossed, payment cipher information matches are carried out, to complete to pay.
Meanwhile payment qualifications can be added in payment flow, so that payment is more safe and reliable, while not influencing
Agility.
Detailed description of the invention
A specific embodiment of the invention is described further with reference to the accompanying drawing.
Fig. 1 is fingerprint recognition method of payment flow chart of the present invention.
Fig. 2 is the schematic diagram of payment terminal machine of the present invention.
Specific embodiment
As shown in Figure 1 and Figure 2, a kind of fingerprint recognition method of payment, acquires the fingerprint of user in advance in payment services system
Template information ties up the fingerprint template information of each user with the personal payment account of the user and payment cipher information respectively
It is fixed;Include:
The finger print information and payment information of user are obtained, finger print information is associated with payment information;
It is compared according to the finger print information of user with each fingerprint template information to match personal payment account;
Payment information is matched with individual's payment account in payment services system to pay, payment services system
Issue input payment cipher request;
Payment cipher request is received, is compared further according to the finger print information of user with each fingerprint template information to match payment
Encrypted message;
Payment services system is completed to pay according to payment cipher information.
The payment terminal machine with employing fingerprint identification method of payment is combined herein, as shown in Fig. 2, payment terminal machine packet
Input operation end, fingerprint collecting end, processing module and communication module are included, processing module is adopted with input operation end, fingerprint respectively
Collect end, communication module electric connection, input operation end acquires the fingerprint letter of user for inputting payment information, fingerprint collecting end
Breath, for communication module for connecting processing module with payment services system communication, processing module sends out finger print information, payment information
It is sent in payment services system and matches personal payment account, payment services system issues input payment cipher to payment terminal machine and asks
It asks, processing module receives payment cipher and requests and resurvey the finger print information of user, and sends payment for finger print information
Service system matches payment cipher information to complete to pay;
Alternatively, communication module is for connecting processing module with payment services system communication, processing module by finger print information,
Payment information, which is sent in payment services system, matches personal payment account, and payment services system is issued to the mobile device of user
Input payment cipher request, mobile device can obtain user finger print information and with payment services Radio Communication, move
Dynamic equipment receives payment cipher and requests and resurvey the finger print information of user, and sends payment services system for finger print information
System matching payment cipher information is to complete to pay.
Wherein, fingerprint collecting end can be on the market conventional fingerprint image obtaining widget, processing module by CPU or
MCU and its peripheral circuit are constituted, and communication module can be connect by Internet Port with payment services system, are also possible to 3G/
The communication modules such as 4G/5G, mobile device then can be the equipment such as mobile phone, and payment services system includes wechat payment platform, payment
One of precious payment platform, Interlink Card payment platform are a variety of.
During being paid, seller first inputs payment information, such as the amount of money etc. on payment terminal machine, simultaneously
It is required that buyer inputs finger print information, finger print information and payment information are realized and are associated at this time, are sent to payment services system, using referring to
Line information and fingerprint stencil matching go out personal payment account, and payment services system is implemented personal payment account according to payment information
Payment flow issues input payment cipher request.
Buyer can be required to re-enter finger print information herein, or the finger print information of typing matches branch directly before utilization
Encrypted message is paid, to complete to pay, the design first inputs a finger print information in the terminal device of buyer, can pass through finger
Line information matches to personal account information, take even without user in some cases by the operation without scanning the two-dimensional code etc.
Band Intelligent mobile equipment, easy to operate, payment is more quick, further, can also in the case where possessing Intelligent mobile equipment
To send payment information in mobile device and check for user after having matched personal payment account, user is passing through shifting
Dynamic equipment inputs finger print information, payment cipher information matches is carried out, to complete to pay.
Further, before matching personal payment account according to the finger print information of user, push selection payment services system
Unite option, and receive to the selection information of payment services system after, complete payment information in the payment services system of selection
With the matching of individual's payment account, seller can according to their own situation, such as in wechat platform or Alipay platform
The personal account information for having passed fingerprint template information and having bound, then select corresponding platform to be paid.
For safety of payment, the first payment qualifications can be set, if payment information is unsatisfactory for the first payment and limits item
Part then sends verification information and verification information to be replied to the third party for removing both parties, when reply verification information just
Really it is further continued for executing.
First payment qualifications include one-time payment amount of money number, payment times or time of payment, then are either existed
The amount of money number of accumulation payment in preset time period.
For example, the first payment qualifications be that accumulate the amount of money number threshold value of payment within three hours be 1,000 yuan, when surpassing
This first payment qualifications has been crossed, then has been unsatisfactory for, buyer uploads the telephone number for having the third party in payment services platform in advance
Etc. data, the third party can be given to send verification information at this time, and send identifying code, the third party restores verifying letter after bothering about buyer
Breath, then payment flow just will continue to.
Likewise, using the fingerprint of first time since the design is in the finger print information for obtaining buyer at the very start
Information can complete entire delivery operation, but for the sake of security, usually need it is secondary obtaining finger print information, i.e., the
One this acquisition finger print information is to match personal payment account merely, and payment services system starts corresponding according to payment information
Payment flow sends at process interface in the mobile device of buyer, can also send out hereafter as conventional payment flow is general
Into payment terminal machine, user inputs finger print information, and finger print information matches payment cipher information again and completes payment, and in order to pay
It is more quick, below qualifications can also be paid in addition second:
Setting the second payment qualifications, judge whether payment information meets the second payment qualifications, if satisfied, then existing
It is associated with payment information using what is obtained before without reacquiring the finger print information of user after receiving payment cipher request
Finger print information match payment cipher, if not satisfied, then receive payment cipher request after, it is desirable that reacquire the finger of user
Line information, and payment cipher information is matched using the finger print information of the user reacquired.
The second payment qualifications herein include one-time payment amount of money number, payment times or time of payment, then or
Person is the amount of money number for accumulating payment within a preset period of time, and specific principle is similar with the first payment qualifications, to make
It must pay more safe and reliable, while not influence agility.
The above description is only a preferred embodiment of the present invention, and the present invention is not limited to above embodiment, as long as with
Essentially identical means realize that the technical solution of the object of the invention belongs within protection scope of the present invention.
Claims (9)
1. a kind of fingerprint recognition method of payment acquires the fingerprint template information of user in advance, the fingerprint template of each user is believed
Breath is bound with the personal payment account of the user and payment cipher information respectively;It is characterized in that including:
The finger print information and payment information of user are obtained, finger print information is associated with payment information;Believed according to the fingerprint of user
Breath is compared with each fingerprint template information to match personal payment account;Payment information and individual's payment account are taken in payment
To be paid, payment services system issues input payment cipher request for matching in business system;
Payment cipher request is received, is compared further according to the finger print information of user with each fingerprint template information to match payment cipher
Information;
Payment services system is completed to pay according to payment cipher information.
2. a kind of fingerprint recognition method of payment according to claim 1, it is characterised in that: in the finger print information according to user
Before matching personal payment account, push selection payment services system option, and the selection received to payment services system is believed
After breath, the matching of payment information and individual's payment account is completed in the payment services system of selection.
3. a kind of fingerprint recognition method of payment according to claim 1, it is characterised in that: the payment services system includes
One of wechat payment platform, Alipay payment platform, Interlink Card payment platform are a variety of.
4. a kind of fingerprint recognition method of payment according to claim 1, it is characterised in that: the first payment of setting limits item
Part, if payment information is unsatisfactory for the first payment qualifications, to remove both parties the third party send verification information and
Verification information to be replied, when the verification information of reply is correctly further continued for executing.
5. a kind of fingerprint recognition method of payment according to claim 4, it is characterised in that: the first payment qualifications
Including one-time payment amount of money number, payment times or time of payment.
6. a kind of fingerprint recognition method of payment according to claim 4, it is characterised in that: the first payment qualifications
For the amount of money number for accumulating payment within a preset period of time.
7. a kind of fingerprint recognition method of payment according to claim 1, it is characterised in that: the second payment of setting limits item
Part, judges whether payment information meets the second payment qualifications, if satisfied, then after receiving payment cipher request, without weight
The new finger print information for obtaining user, matches payment cipher using the finger print information associated with payment information obtained before,
If not satisfied, then after receiving payment cipher request, it is desirable that reacquire the finger print information of user, and utilize the use reacquired
The finger print information at family matches payment cipher information.
8. a kind of fingerprint recognition method of payment according to claim 7, it is characterised in that: the second payment qualifications
Including one-time payment amount of money number, payment times or time of payment.
9. a kind of payment terminal machine using fingerprint recognition method of payment described in claim 1, it is characterised in that: grasped including input
Make end, fingerprint collecting end, processing module and communication module, processing module respectively with input operation end, fingerprint collecting end, communicate
Module is electrically connected, and input operation end acquires the finger print information of user, communication module for inputting payment information, fingerprint collecting end
For connecting processing module with payment services system communication, finger print information, payment information are sent payment clothes by processing module
Personal payment account is matched in business system, payment services system issues input payment cipher request to payment terminal machine, handles mould
Block receives payment cipher and requests and resurvey the finger print information of user, and sends payment services system for finger print information
With payment cipher information to complete to pay;
Alternatively, communication module is for connecting processing module with payment services system communication, processing module by finger print information, pay
Information, which is sent in payment services system, matches personal payment account, and payment services system is issued to the mobile device of user and inputted
Payment cipher request, mobile device can obtain user finger print information and with payment services Radio Communication, movement set
The finger print information of user is requested and resurveyed to the standby payment cipher that receives, and sends payment services system for finger print information
With payment cipher information to complete to pay.
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CN201811389580.2A CN109377237A (en) | 2018-11-21 | 2018-11-21 | A kind of fingerprint recognition method of payment and the payment terminal machine using it |
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CN201811389580.2A CN109377237A (en) | 2018-11-21 | 2018-11-21 | A kind of fingerprint recognition method of payment and the payment terminal machine using it |
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Cited By (1)
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CN110245936A (en) * | 2019-05-14 | 2019-09-17 | 阿里巴巴集团控股有限公司 | The self-service contracting method of mobile payment, device and system |
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