CN109670839A - A kind of on-site payment method for processing business and smart card - Google Patents
A kind of on-site payment method for processing business and smart card Download PDFInfo
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- CN109670839A CN109670839A CN201811475691.5A CN201811475691A CN109670839A CN 109670839 A CN109670839 A CN 109670839A CN 201811475691 A CN201811475691 A CN 201811475691A CN 109670839 A CN109670839 A CN 109670839A
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- payment
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- business
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
-
- 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 present invention relates to fields of communication technology, and disclose a kind of on-site payment method for processing business and smart card, on-site payment method for processing business, comprising: when POS terminal carries out payment transaction at the scene, current network signal data is collected, the network signal data of collection is stored；Processing judgement is carried out to the network signal data being collected into, if network signal conditions are good, on-line payment carried out, the detail time of payment and the specific amount of money of payment is subjected to information storage after on-line payment success；If network signal covering is not present in network signal conditions difference, automatically prompting user carries out offline electronic payment；Offline electronic payment needs user to pass through password identification and bio-identification.The on-site payment method for processing business and smart card, so that the safety of on-site payment business is higher, and when network signal difference or smart card are located at outside network signal coverage area, the stolen risk of the amount of money will not occur for smart card.
Description
Technical field
The present invention relates to field of communication technology, specially a kind of on-site payment method for processing business and smart card.
Background technique
Smart card with radio frequency (Radio Frequency, hereinafter referred to as: RF) function, which refers to, is integrated with the intelligence of RF function
It can card (hereinafter referred to as: smart card).For example, RF common user identification card (RF Universal Subscriber Identity
Module, hereinafter referred to as: RF-USIM) card is exactly to be integrated with the usim card of non-contact 2.45G radio-frequency enabled.By RF-USIM and end
End equipment is used cooperatively, other than it can complete common USIM application, moreover it is possible to realize contactless communication function.Mobile phone on-site payment
It is a kind of application of the contactless communication function of smart card.In the prior art, when user uses this terminal device of mobile phone
When carrying out on-site payment, mobile phone can be used and point of sale (Point of Sales, hereinafter referred to as: POS) terminal is communicated.
For example with RF-USIM card, the side in RF-USIM card and POS terminal receives the use payment encryption key that other side is transmitted
When the data of encryption, that is, it can be used the payment decruption key of itself to be decrypted and verify signature, can be consumed, be looked into after
The operation such as inquiry.In entire payment process, does not need to interact with background server, user is facilitated efficiently to be paid.
Since the case where terminal device loses, happens occasionally, the prior art is using under the server of wireless network side
Hair particular message or the mode of instruction close the payment function of the smart card in the terminal device, and this mode requires the terminal to set
It is standby to be currently in wireless network signal, such as the coverage area of 2G, 3G or 4G signal, and except coverage area, such as
In subway or market place builet below the ground, then the payment function of smart card can not be closed, in this case, user prestores within a smart card
The amount of money will likely have stolen risk.
Summary of the invention
(1) the technical issues of solving
In view of the deficiencies of the prior art, the present invention provides a kind of on-site payment method for processing business and smart card, have
On-site payment service security and the advantages that effectively prevent the smart card amount of money to be stolen, solves payment transaction safety in the prior art
The property easily stolen problem of not high and smart card amount of money outside network coverage.
(2) technical solution
For the purpose realized above-mentioned on-site payment service security and effectively prevent the smart card amount of money stolen, the present invention is provided
A kind of following technical solution: on-site payment method for processing business, comprising the following steps:
Step 1: when POS terminal carries out payment transaction at the scene, collecting current network signal data, the network of collection is believed
Number is stored；
Step 2: processing judgement being carried out to the network signal data being collected into, if network signal conditions are good, is carried out
The detail time of payment and the specific amount of money of payment are carried out information storage after on-line payment success by line payment；If network is believed
Number situation difference or there is no network signals to cover, then automatically prompting user carries out offline electronic payment；
Step 3: offline electronic payment needs user by password identification and bio-identification, if being verified, can carry out this
The detail time of payment and the specific amount of money of payment are carried out information storage after offline electronic payment success by secondary on-site payment business；
If verifying does not pass through, this on-site payment business cannot be carried out.
Preferably, the network signal data includes 2G, 3G and 4G network signal.
Preferably, the bio-identification includes recognition of face, fingerprint recognition and Application on Voiceprint Recognition, recognition of face, fingerprint recognition
It can be verified by bio-identification with identification one in Application on Voiceprint Recognition.
Preferably, the offline electronic payment needs while passing through the verifying of password identification and bio-identification.
Preferably, the password identification includes continuous cipher input number, if Password Input number is more than maximum allowable company
Continuous Password Input number, then on-site payment function is locked, and does not allow to carry out on-site payment business.
The present invention also provides a kind of smart cards, comprising:
Network signal collection module for collecting network signal data when on-site payment business, and is stored；
Network signal processing module carries out processing judgement to the network signal data of network signal collection module storage；
Cue module, if network signal conditions are poor or there is no network signals to cover, automatically prompting user carries out offline
Payment；
Memory module, the specific amount of money of detail time and payment to on-line payment and offline electronic payment carry out information and deposit
Storage；
Password identification module, the password inputted to on-site payment business carry out identification judgement；
Bio-identification module, the face identified to on-site payment business, fingerprint and vocal print identify；
Judgment module judges continuous cipher input number, if continuous cipher input number is more than maximum allowable company
Continuous Password Input number, then lock on-site payment function；
Service Processing Module handles the information of on-site payment business.
Preferably, the bio-identification module includes face recognition module, fingerprint identification module and voiceprint identification module.
(3) beneficial effect
Compared with prior art, the present invention provides a kind of on-site payment method for processing business and smart card, have following
The utility model has the advantages that
1, the on-site payment method for processing business and smart card carry out offline electronic payment by password identification and bio-identification and test
Card, offline electronic payment need while passing through the verifying of password identification and bio-identification, improve the safety of on-site payment business, password
When identification, if Password Input number is more than that maximum allowable continuous cipher inputs number, on-site payment function is locked, is not allowed
On-site payment business is carried out, improves the safety of password identification, bio-identification can be known by recognition of face, fingerprint recognition and vocal print
, three's identification method can not voluntarily be selected according to user demand so that on-site payment business must user can carry out, have
Effect guarantees the safety of on-site payment business.
2, the on-site payment method for processing business and smart card, by collecting current network signal data, to Network status
Automatically determined, if network signal conditions are good, on-line payment is carried out, by the detail time of payment after on-line payment success
And the specific amount of money of payment carries out information storage；If network signal covering is not present in network signal conditions difference, mention automatically
Show that user carries out offline electronic payment, when so that network signal difference or smart card being located at outside network signal coverage area, smart card will not
The stolen risk of the amount of money occurs.
Detailed description of the invention
Fig. 1 is a kind of structural schematic diagram of smart card proposed by the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Referring to Fig. 1, a kind of on-site payment method for processing business, comprising the following steps:
Step 1: when POS terminal carries out payment transaction at the scene, collecting current network signal data, the network of collection is believed
Number is stored；
Step 2: processing judgement being carried out to the network signal data being collected into, if network signal conditions are good, is carried out
The detail time of payment and the specific amount of money of payment are carried out information storage after on-line payment success by line payment；If network is believed
Number situation difference or there is no network signals to cover, then automatically prompting user carries out offline electronic payment；
Step 3: offline electronic payment needs user by password identification and bio-identification, if being verified, can carry out this
The detail time of payment and the specific amount of money of payment are carried out information storage after offline electronic payment success by secondary on-site payment business；
If verifying does not pass through, this on-site payment business cannot be carried out.
Network signal data includes 2G, 3G and 4G network signal.
Bio-identification includes recognition of face, fingerprint recognition and Application on Voiceprint Recognition, in recognition of face, fingerprint recognition and Application on Voiceprint Recognition
Identification one can be verified by bio-identification.
Offline electronic payment needs while passing through the verifying of password identification and bio-identification.
Password identification includes continuous cipher input number, if Password Input number is more than the input time of maximum allowable continuous cipher
Number, then on-site payment function is locked, and does not allow to carry out on-site payment business.
The present invention also provides a kind of smart cards, comprising:
Network signal collection module for collecting network signal data when on-site payment business, and is stored；
Network signal processing module carries out processing judgement to the network signal data of network signal collection module storage；
Cue module, if network signal conditions are poor or there is no network signals to cover, automatically prompting user carries out offline
Payment；
Memory module, the specific amount of money of detail time and payment to on-line payment and offline electronic payment carry out information and deposit
Storage；
Password identification module carries out identification judgement to the password of on-site payment business input；
Bio-identification module identifies face, fingerprint and the vocal print of the identification of on-site payment business；
Judgment module judges continuous cipher input number, if continuous cipher input number is more than maximum allowable company
Continuous Password Input number, then lock on-site payment function；
Service Processing Module handles the information of on-site payment business.
Bio-identification module includes face recognition module, fingerprint identification module and voiceprint identification module.
In conclusion the on-site payment method for processing business and smart card, by password identification and bio-identification carry out from
Line payment verification, offline electronic payment need while passing through the verifying of password identification and bio-identification, improve the peace of on-site payment business
Quan Xing, when password identification, if Password Input number is more than that maximum allowable continuous cipher inputs number, on-site payment function is locked
Extremely, do not allow to carry out on-site payment business, improve the safety of password identification, bio-identification can be known by recognition of face, fingerprint
It can not voluntarily be selected according to user demand with Application on Voiceprint Recognition, three's identification method, so that on-site payment business must user
It can carry out, the safety of on-site payment business is effectively ensured；By collecting current network signal data, Network status is carried out
It is automatic to determine, if network signal conditions are good, carry out on-line payment, after on-line payment success by the detail time of payment and
The specific amount of money of payment carries out information storage；If network signal covering is not present in network signal conditions difference, automatic prompt is used
Family carries out offline electronic payment, and when so that network signal difference or smart card being located at outside network signal coverage area, smart card will not occur
The stolen risk of the amount of money.
It should be noted that the terms "include", "comprise" or its any other variant are intended to the packet of nonexcludability
Contain, so that the process, method, article or equipment for including a series of elements not only includes those elements, but also including
Other elements that are not explicitly listed, or further include for elements inherent to such a process, method, article, or device.
In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including the element
Process, method, article or equipment in there is also other identical elements.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
A variety of variations, modification, replacement can be carried out to these embodiments without departing from the principles and spirit of the present invention by understanding
And modification, the scope of the present invention is defined by the appended.
Claims (7)
1. a kind of on-site payment method for processing business, it is characterised in that: the following steps are included:
Step 1: when POS terminal carries out payment transaction at the scene, current network signal data is collected, by the network signal number of collection
According to being stored；
Step 2: processing judgement being carried out to the network signal data being collected into, if network signal conditions are good, is propped up online
It pays, the detail time of payment and the specific amount of money of payment is subjected to information storage after on-line payment success；If network signal shape
Network signal covering is not present in condition difference, then automatically prompting user carries out offline electronic payment；
Step 3: offline electronic payment needs user by password identification and bio-identification, if being verified, it is existing can to carry out this
The detail time of payment and the specific amount of money of payment are carried out information storage after offline electronic payment success by field payment transaction；If testing
Card does not pass through, then cannot carry out this on-site payment business.
2. a kind of on-site payment method for processing business according to claim 1, it is characterised in that: the network signal data
Including 2G, 3G and 4G network signal.
3. a kind of on-site payment method for processing business according to claim 1, it is characterised in that: the bio-identification includes
Recognition of face, fingerprint recognition and Application on Voiceprint Recognition, identification one can pass through biology in recognition of face, fingerprint recognition and Application on Voiceprint Recognition
Identification verifying.
4. a kind of on-site payment method for processing business according to claim 1, it is characterised in that: the offline electronic payment needs
Pass through the verifying of password identification and bio-identification simultaneously.
5. a kind of on-site payment method for processing business according to claim 1, it is characterised in that: the password identification includes
Continuous cipher inputs number, if Password Input number is more than that maximum allowable continuous cipher inputs number, on-site payment function quilt
It is locked, do not allow to carry out on-site payment business.
6. a kind of smart card according to claim 1, it is characterised in that: include:
Network signal collection module for collecting network signal data when on-site payment business, and is stored；
Network signal processing module carries out processing judgement to the network signal data of network signal collection module storage；
Cue module, if network signal conditions are poor or there is no network signals to cover, automatically prompting user carries out offline electronic payment；
The specific amount of money of memory module, detail time and payment to on-line payment and offline electronic payment carries out information storage；
Password identification module, the password inputted to on-site payment business carry out identification judgement；
Bio-identification module, the face identified to on-site payment business, fingerprint and vocal print identify；
Judgment module judges continuous cipher input number, if continuous cipher input number is more than maximum allowable continuous close
Code input number, then lock on-site payment function；
Service Processing Module handles the information of on-site payment business.
7. a kind of smart card according to claim 6, it is characterised in that: the bio-identification module includes recognition of face mould
Block, fingerprint identification module and voiceprint identification module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811475691.5A CN109670839A (en) | 2018-12-04 | 2018-12-04 | A kind of on-site payment method for processing business and smart card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811475691.5A CN109670839A (en) | 2018-12-04 | 2018-12-04 | A kind of on-site payment method for processing business and smart card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109670839A true CN109670839A (en) | 2019-04-23 |
Family
ID=66144681
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811475691.5A Pending CN109670839A (en) | 2018-12-04 | 2018-12-04 | A kind of on-site payment method for processing business and smart card |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113205374A (en) * | 2021-05-31 | 2021-08-03 | 上海苍苔信息技术有限公司 | Payment advertisement delivery system and method based on two-dimensional code |
-
2018
- 2018-12-04 CN CN201811475691.5A patent/CN109670839A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113205374A (en) * | 2021-05-31 | 2021-08-03 | 上海苍苔信息技术有限公司 | Payment advertisement delivery system and method based on two-dimensional code |
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20190423 |
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| WD01 | Invention patent application deemed withdrawn after publication |