CN113822674A - Biometric identification terminal, user terminal, payment server and related methods - Google Patents
Biometric identification terminal, user terminal, payment server and related methods Download PDFInfo
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- 230000001680 brushing effect Effects 0.000 description 42
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- 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
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Abstract
The invention relates to a payment method applied to a biological characteristic identification terminal, which comprises the following steps: acquiring first biological characteristic information of a user; receiving a user unique ID corresponding to the user, the user unique ID being dynamically changing; and after determining that the first biometric information is consistent with the biometric information which is stored in advance on the payment server and corresponds to the user unique ID, sending a payment request to the payment server so as to complete the payment process. The invention also relates to a biometric identification terminal, a user terminal, a payment server, a computer storage medium and a payment method applied to the user terminal or the payment server.
Description
Technical Field
The present invention relates to the field of payment verification, and more particularly, to a biometric identification terminal, a user terminal, a payment server, a payment method applied to the terminal or the server, and a computer storage medium.
Background
With the rapid development of new technologies such as artificial intelligence, cloud computing, big data, internet of things, 5G and the like, various industries are confronted with new opportunities and challenges. In the payment industry, industry participants seek a brand-new payment mode to replace the current mobile phone two-dimensional code \ bar code payment, so that the payment experience is improved. Taking head participants in the payment industry as an example, the demands of users such as Ali baba, Tencent, Unionpay and the like are responded, and the face brushing payment is put forward in time to compete for the payment market in the new technology era and consolidate the status of the payment industry.
At present, "pay with face" still has great promotion space in the aspect of payment experience. For example, "face-brushing payment" still needs to manually input a payment password for secondary verification after a paying user brushes the face, so that the whole payment process can be completed, which causes certain inconvenience to the paying user. Therefore, how to promote the payment experience of 'face-brushing payment', solve the problem of manual secondary verification, ensure the payment safety of 'face-brushing payment', ensure the fund safety of the payment user, and become difficult points and challenges to be solved urgently.
Disclosure of Invention
According to an aspect of the present invention, there is provided a payment method applied to a biometric terminal, the method including: acquiring first biological characteristic information of a user; receiving a user unique ID corresponding to the user, the user unique ID being dynamically changing; and after determining that the first biometric information is consistent with the biometric information which is stored in advance on the payment server and corresponds to the user unique ID, sending a payment request to the payment server so as to complete the payment process.
Additionally or alternatively, in the method, before acquiring the first biometric information of the user, the method further includes: scanning the commodities purchased by the user and inputting specific information of the commodities; and generating a payment bill according to the input commodity specific information and displaying the payment bill to the user.
Additionally or alternatively, in the method, the acquiring the first biometric information of the user includes: after the user confirms the bill for payment, first biological characteristic information of the user is input through a sensor installed on the biological characteristic identification terminal.
Additionally or alternatively to the above, in the above method, receiving a user unique ID corresponding to the user comprises: based on the near field communication technology, sending a user unique ID request to a user terminal within a certain range of the biological characteristic identification terminal; and receiving the user unique ID from the user terminal.
Additionally or alternatively to the above, the method further comprises: requesting biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID; receiving the biometric information from the payment server; and comparing the received biometric information with the first biometric information.
Additionally or alternatively to the above, the method further comprises: after receiving the user unique ID, sending the first biometric information and the user unique ID to the payment server; and receiving a comparison result of the biometric information corresponding to the user unique ID and the first biometric information from the payment server.
Additionally or alternatively to the above, in the above method, the payment request includes a payment amount and the user unique ID.
Additionally or alternatively to the above, in the above method, receiving a user unique ID corresponding to the user comprises: requesting a user unique ID corresponding to a user terminal located in a certain range of the biological characteristic identification terminal from the payment server; and receiving the user unique ID from the payment server.
Additionally or alternatively, in the method, the first biometric information or the biometric information corresponding to the user unique ID includes one or more of a face feature, a fingerprint, a palm print, a voice print, an iris, and a palm vein.
According to another aspect of the present invention, there is provided a biometric terminal, the terminal including: the acquisition device is used for acquiring first biological characteristic information of a user; first receiving means for receiving a user unique ID corresponding to the user, the user unique ID being dynamically changed; and first sending means for sending a payment request to a payment server to complete a payment process upon determining that the first biometric information is consistent with biometric information corresponding to the user unique ID stored in advance on the payment server.
In addition or alternatively to the above, the terminal further includes: the scanning device is used for scanning the commodities purchased by the user and inputting the specific information of the commodities; and the generating device is used for generating a payment bill according to the input commodity specific information and displaying the payment bill to the user.
Additionally or alternatively to the above, in the above terminal, the obtaining means is configured to enter first biometric information of the user through a sensor mounted on the biometric terminal after the user confirms the bill for payment.
Additionally or alternatively to the above, in the terminal, the first receiving means is configured to: based on the near field communication technology, sending a user unique ID request to a user terminal within a certain range of the biological characteristic identification terminal; and receiving the user unique ID from the user terminal.
In addition or alternatively to the above, the terminal further includes: requesting means for requesting biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID; second receiving means for receiving the biometric information from the payment server; and the first comparison device is used for comparing the received biological characteristic information with the first biological characteristic information.
In addition or alternatively to the above, the terminal further includes: second transmitting means for transmitting the first biometric information and the user unique ID to the payment server after receiving the user unique ID; and a third receiving device, configured to receive, from the payment server, a comparison result between the biometric information corresponding to the user unique ID and the first biometric information.
In addition to or instead of the above, in the above terminal, the payment request includes a payment amount and the user unique ID.
Additionally or alternatively to the above, in the terminal, the first receiving means is configured to: requesting a user unique ID corresponding to a user terminal located in a certain range of the biological characteristic identification terminal from the payment server; and receiving the user unique ID from the payment server.
Additionally or alternatively, in the terminal, the first biometric information or the biometric information corresponding to the user unique ID may include one or more of a face feature, a fingerprint, a palm print, a voiceprint, an iris, and a palm vein.
According to still another aspect of the present invention, there is provided a payment method applied to a user terminal, the method including: receiving a user unique ID request from a biometric identification terminal; requesting a unique user ID corresponding to a current login account from a payment server; and transmitting the user unique ID to the biometric identification terminal, the user unique ID being dynamically changed.
Additionally or alternatively to the above, the method further comprises: inputting biological characteristic information of a user; and uploading the biometric information to the payment server.
According to still another aspect of the present invention, there is provided a user terminal including: a receiving unit for receiving a user unique ID request from a biometric identification terminal; a requesting unit, configured to request a unique user ID corresponding to a current login account from a payment server; and a transmitting unit for transmitting the user unique ID to the biometric identification terminal, the user unique ID being dynamically changed.
Additionally or alternatively to the above, the user terminal further includes: the input unit is used for inputting the biological characteristic information of the user; and an uploading unit for uploading the biometric information to the payment server.
According to still another aspect of the present invention, there is provided a payment method applied to a payment server, the method including: receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal; generating a user unique ID corresponding to the current login account, wherein the user unique ID is dynamically changed; and sending the user unique ID to the user terminal.
Additionally or alternatively to the above, the method further comprises: and storing the mapping relation between the current login account and the user unique ID in a valid period.
Additionally or alternatively to the above, in the method, generating the user unique ID corresponding to the current login account includes: generating a user unique ID using time plus a random code; searching whether the user unique ID exists in the stored mapping relation; and if so, regenerating the user unique ID, otherwise, generating the user unique ID to be valid.
Additionally or alternatively to the above, the method further comprises: receiving the user unique ID from a biometric identification terminal; and sending the biological characteristic information corresponding to the user unique ID to the biological characteristic identification terminal.
Additionally or alternatively to the above, the method further comprises: receiving a payment request from a biometric identification terminal; preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring mechanism; and receiving a payment result from the acquirer and returning the payment result to the biological characteristic identification terminal.
According to still another aspect of the present invention, there is provided a payment server including: first receiving means for receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal; generating means for generating a user unique ID corresponding to the current login account, the user unique ID being dynamically changed; and a first transmitting means for transmitting the user unique ID to the user terminal.
In addition or alternatively to the above, the payment server further includes: and the storage device is used for storing the mapping relation between the current login account and the unique ID of the user in the valid period.
Additionally or alternatively to the above, in the above payment server, the generating means is configured to: generating a user unique ID using time plus a random code; searching whether the user unique ID exists in the stored mapping relation; and if so, regenerating the user unique ID, otherwise, generating the user unique ID to be valid.
In addition or alternatively to the above, the payment server may further include: second receiving means for receiving the user unique ID from a biometric identification terminal; and a second transmitting means for transmitting the biometric information corresponding to the user unique ID to the biometric identification terminal.
In addition or alternatively to the above, the payment server may further include: third receiving means for receiving a payment request from the biometric identification terminal; the preprocessing device is used for preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring mechanism; and the fourth receiving device is used for receiving the payment result from the acquirer and returning the payment result to the biological characteristic identification terminal.
According to yet another aspect of the invention, there is provided a computer storage medium comprising instructions which, when executed, perform the method as previously described.
Various payment verification schemes of embodiments of the present invention may be used to "verify" a user (without the user entering a payment password) by comparing first biometric information identified by a biometric identification terminal with biometric information corresponding to a user unique ID (which is dynamically changing, rather than fixed) pre-stored on a payment server, thereby safely completing the entire payment process. The payment experience of the user is greatly improved on the premise of ensuring the payment safety. In addition, the payment verification scheme of one or more embodiments of the present invention involves the biometric terminal receiving (directly or indirectly) a user unique ID from a user terminal in the vicinity of (i.e., within a certain range of) the biometric terminal based on near field communication technology (including but not limited to NFC), and performing subsequent biometric verification based on the dynamically changing user unique ID, further ensuring security and convenience of payment.
Drawings
The above and other objects and advantages of the present invention will become more apparent from the following detailed description when taken in conjunction with the accompanying drawings, in which like or similar elements are designated by like reference numerals.
Fig. 1 shows a flow diagram of a payment method applied to a biometric terminal according to an embodiment of the present invention;
fig. 2 is a schematic structural view illustrating a biometric terminal according to an embodiment of the present invention;
fig. 3 shows a flow diagram of a payment method applied to a user terminal according to an embodiment of the present invention;
fig. 4 shows a schematic structural diagram of a user terminal according to an embodiment of the present invention;
fig. 5 shows a flow diagram of a payment method applied to a payment server according to an embodiment of the invention;
FIG. 6 shows a schematic structural diagram of a payment server according to one embodiment of the invention; and
fig. 7 shows a flow diagram of an NFC-based face-brushing payment scheme according to an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention are described in further detail below with reference to the accompanying drawings. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention.
It should be further noted that, for the convenience of description, only some but not all of the relevant aspects of the present invention are shown in the drawings. Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the operations (or steps) as a sequential process, many of the operations can be performed in parallel, concurrently or simultaneously. In addition, the order of the operations may be re-arranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, functions, procedures, subroutines, and the like.
While exemplary embodiments are described as using multiple units to perform exemplary processes, it should be understood that these exemplary processes may also be performed by one or more modules.
Furthermore, the control logic of the present invention may be embodied on a computer readable medium as executable program instructions, which are implemented by a processor or the like. Examples of computer readable media include, but are not limited to, ROM, RAM, optical disks, magnetic tape, floppy disks, flash drives, smart cards, and optical data storage devices. The computer readable recording medium CAN also be distributed in network-connected computer systems so that the computer readable medium is stored and implemented in a distributed manner, for example, through an in-vehicle telecommunication service or a Controller Area Network (CAN).
Hereinafter, a payment (authentication) scheme according to exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
Fig. 1 illustrates a payment method 1000 applied to a biometric terminal according to an embodiment of the present invention. As shown in fig. 1, the payment method 1000 includes the steps of:
in step S110, first biometric information of a user is acquired;
receiving a user unique ID corresponding to the user, the user unique ID being dynamically changed, in step S120; and
in step S130, after determining that the first biometric information is consistent with biometric information corresponding to the user unique ID stored in advance on a payment server, a payment request is sent to the payment server to complete a payment process.
In the context of the present invention, "biometric information" refers to information that includes a biometric. In one or more embodiments, the first biometric information or biometric information corresponding to the user unique ID includes one or more of a facial feature, a fingerprint, a palm print, a voice print, an iris, a palm vein.
The term "biometric terminal" refers to a terminal for recognizing a biometric. In one embodiment, the biometric terminal is a face brushing terminal. For example, in a shopping scenario, a payee merchant first enters a commodity selected by a payer; then, the face brushing terminal displays the payment bill; subsequently, after the paying user confirms the bill payment, the paying user can be authenticated by face brushing through the face brushing terminal.
The term "user unique ID" is an identification that uniquely identifies a user. The identification may be, for example, a string of values generated by time plus a random code. It is to be noted that in the context of the present invention, a "user unique ID" is dynamically changing (i.e. there is an expiry date, e.g. 2 minutes), which is distinguished from certain identities that are fixed and unchangeable (e.g. device identities). The dynamically changed 'user unique ID' can effectively prevent lawbreakers from forging wireless communication equipment to embezzle user funds, and improves the fund security.
Although not shown in fig. 1, prior to step S110, method 1000 may further include: scanning the commodities purchased by the user and inputting specific information of the commodities; and generating a payment bill according to the input commodity specific information and displaying the payment bill to the user.
In one embodiment, step S110 includes: after the user confirms the bill for payment, first biological characteristic information of the user is input through a sensor installed on the biological characteristic identification terminal. For example, the sensor is a camera mounted on a biometric recognition terminal for recognizing or entering facial features of a user. The biometric terminal can recognize the payment intention of the user through the face brushing action of the user.
In one embodiment, step S120 includes: sending a user unique ID request to a user terminal within a certain range of the biological characteristic identification terminal based on a near field communication technology (including but not limited to Bluetooth, RFID, ZigBee, UWB, NFC and the like); and receiving the user unique ID from the user terminal. That is, after the user swipes his face, the biometric terminal sends a request message requesting to obtain a user unique ID corresponding to the user, only to user terminals (e.g., the user's smartphone, bracelet, IPAD, etc.) in its vicinity (i.e., within a certain range, such as a range of 0 to 1 meter).
In another embodiment, the user unique ID is obtained from the payment server (not the user terminal). Specifically, step S120 includes: requesting a user unique ID corresponding to a user terminal located in a certain range of the biological characteristic identification terminal from the payment server; and receiving the user unique ID from the payment server.
In yet another embodiment, one or more user terminals (e.g., user handsets) in the vicinity of the location of the biometric identification terminal actively transmit the user unique ID without the biometric identification terminal transmitting the user unique ID request to the user terminals in the vicinity (e.g., in the range of 0 to 1 meter).
In one embodiment, after step S120 and before step S130, the method 1000 further comprises: requesting biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID; receiving the biometric information from the payment server; and comparing the received biometric information with the first biometric information.
The biometric information received from the payment server may be pre-uploaded prior to performing the entire payment method 1000. For example, the biometric information (for example, the face of the user) of the payment user can be input through a sensor (for example, a camera of a mobile phone) of the user terminal, and if the biometric information (for example, the face ID of some apple cell phones is prestored) exists in the user terminal, the data can be directly used, and the data can be uploaded to the payment server for storage after the input is successful.
In one embodiment, after receiving one or more dynamically changing user unique IDs, the biometric identification terminal requests the payment server for biometric information corresponding to the IDs one by one, and then compares the requested biometric information with the first biometric information (collected or acquired by the biometric identification terminal) to obtain a comparison result.
In one embodiment, after step S120 and before step S130, the method 1000 includes: after receiving the user unique ID, sending the first biometric information and the user unique ID to the payment server; and receiving a comparison result of the biometric information corresponding to the user unique ID and the first biometric information from the payment server. In the above embodiment, the comparison is performed on the payment server, not on the biometric terminal, which may reduce the hardware processing requirements of the biometric terminal.
In one embodiment, step S130 includes: after the comparison is successful, a payment request (including but not limited to the payment amount, the user unique ID) is sent to the payment server based on the network communication technology (including but not limited to Http). Further, step S130 may further include: after the payment is successful, displaying a prompt of successful payment; and if the verification or the payment fails, displaying a failure prompt.
In one embodiment, data encryption and decryption are performed in communication among the biometric identification terminal, the user terminal and the payment server, and payment safety is guaranteed.
Fig. 2 shows a schematic configuration diagram of a biometric terminal 2000 according to an embodiment of the present invention. As shown in fig. 2, the biometric terminal 2000 includes: an acquiring device 210, a first receiving device 220, and a first transmitting device 230. The obtaining device 210 is configured to obtain first biometric information of a user; the first receiving means 220 is used for receiving a user unique ID corresponding to the user, wherein the user unique ID is dynamically changed; and the first sending device 230 is used for sending a payment request to the payment server to complete the payment process after determining that the first biological characteristic information is consistent with the biological characteristic information which is stored in advance on the payment server and corresponds to the unique ID of the user.
In the context of the present invention, "biometric information" refers to information that includes a biometric. In one or more embodiments, the first biometric information or biometric information corresponding to the user unique ID includes one or more of a facial feature, a fingerprint, a palm print, a voice print, an iris, a palm vein.
The term "biometric terminal" refers to a terminal for recognizing a biometric. In one embodiment, the biometric terminal is a face brushing terminal. For example, in a shopping scenario, a payee merchant first enters a commodity selected by a payer; then, the face brushing terminal displays the payment bill; subsequently, after the paying user confirms the bill payment, the paying user can be authenticated by face brushing through the face brushing terminal.
The term "user unique ID" is an identification that uniquely identifies a user. The identification may be, for example, a string of values generated by time plus a random code. It is to be noted that in the context of the present invention, a "user unique ID" is dynamically changing (i.e. there is an expiry date, e.g. 2 minutes), which is distinguished from certain identities that are fixed and unchangeable (e.g. device identities). The dynamically changed 'user unique ID' can effectively prevent lawbreakers from forging wireless communication equipment to embezzle user funds, and improves the fund security.
Although not shown in fig. 2, the biometric terminal 2000 may further include: the system comprises a scanning device and a generating device, wherein the scanning device is used for scanning the commodities purchased by the user and inputting commodity specific information (including but not limited to commodity names, commodity quantity and commodity unit price); and the generating device is used for generating a payment bill according to the input commodity specific information and displaying the payment bill to the user. The displayed contents include but are not limited to commodity name, commodity quantity, commodity unit price and total bill amount, and a confirmation button is displayed for a user to click and confirm.
In one embodiment, the obtaining means 210 is configured to enter the first biometric information of the user through a sensor installed on the biometric terminal after the user confirms the bill for payment. For example, the sensor is a camera mounted on a biometric recognition terminal for recognizing or entering facial features of a user. The biometric terminal including the acquisition means 210 can recognize the user's willingness to pay by the user's face brushing action.
In one embodiment, the first receiving device 220 is configured to send a user unique ID request to user terminals within a range of the biometric terminal based on close range communication technology (including but not limited to bluetooth, RFID, ZigBee, UWB, NFC, etc.); and receiving the user unique ID from the user terminal. That is, after the user swipes his face, the biometric terminal sends a request message requesting to obtain a user unique ID corresponding to the user, only to user terminals (e.g., the user's smartphone, bracelet, IPAD, etc.) in its vicinity (i.e., within a certain range, such as a range of 0 to 1 meter).
In another embodiment, the user unique ID is obtained from the payment server (not the user terminal). Specifically, the first receiving device 220 is configured to request the payment server for a user unique ID corresponding to a user terminal located within a certain range of the biometric terminal; and receiving the user unique ID from the payment server.
In yet another embodiment, one or more user terminals (e.g., user handsets) in the vicinity of the location of the biometric terminal may actively transmit the user unique ID without the biometric terminal (or the first receiving means 220) transmitting the user unique ID request to user terminals in its vicinity (e.g., in the range of 0 to 1 meter).
In one embodiment, the terminal 2000 further includes: requesting means for requesting biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID; second receiving means for receiving the biometric information from the payment server; and the first comparison device is used for comparing the received biological characteristic information with the first biological characteristic information.
The biometric information received from the payment server may be pre-uploaded before the entire payment process is performed. For example, the biometric information (for example, the face of the user) of the payment user can be input through a sensor (for example, a camera of a mobile phone) of the user terminal, and if the biometric information (for example, the face ID of some apple cell phones is prestored) exists in the user terminal, the data can be directly used, and the data can be uploaded to the payment server for storage after the input is successful.
In one embodiment, the biometric terminal 2000 is configured to request the payment server for the biometric information corresponding to one or more dynamically changing user unique IDs one by one after the first receiving device 220 receives the IDs, and compare the requested biometric information with the first biometric information (collected or obtained by the biometric terminal) to obtain a comparison result.
In one embodiment, the terminal 2000 further includes: second transmitting means for transmitting the first biometric information and the user unique ID to the payment server after receiving the user unique ID; and a third receiving device, configured to receive, from the payment server, a comparison result between the biometric information corresponding to the user unique ID and the first biometric information. In the above embodiment, the comparison is performed on the payment server, not on the biometric terminal 2000, which may reduce the hardware processing requirements of the biometric terminal 2000.
In one embodiment, the first sending device 230 is configured to: after the comparison is successful, a payment request (including but not limited to the payment amount, the user unique ID) is sent to the payment server based on the network communication technology (including but not limited to Http). Further, the first sending device 230 may be further configured to: after the payment is successful, displaying a prompt of successful payment; and if the verification or the payment fails, displaying a failure prompt.
In one embodiment, the communication among the biometric terminal 2000, the user terminal and the payment server is encrypted and decrypted to ensure the security of the payment.
Fig. 3 shows a payment method 3000 applied to a user terminal according to one embodiment of the invention. As shown in fig. 3, the payment method 3000 includes the steps of:
receiving a user unique ID request from the biometric identification terminal in step S310;
in step S320, requesting a user unique ID corresponding to the current login account from the payment server; and
in step S330, the user unique ID is transmitted to the biometric terminal, the user unique ID being dynamically changed.
In the context of the present invention, a "user terminal" is a terminal device associated with a user, such as a smartphone, a headset, a smart bracelet, etc. In one embodiment, the user terminal may include software and hardware. Here, the software may include an application program in the mobile phone, which may be a program such as a mobile wallet carried by the mobile phone manufacturer or downloaded through an application store.
The term "biometric terminal" refers to a terminal for recognizing a biometric. In one embodiment, the biometric terminal is a face brushing terminal. For example, in a shopping scenario, a payee merchant first enters a commodity selected by a payer; then, the face brushing terminal displays the payment bill; subsequently, after the paying user confirms the bill payment, the paying user can be authenticated by face brushing through the face brushing terminal.
The term "user unique ID" is an identification that uniquely identifies a user. The identification may be, for example, a string of values generated by time plus a random code. It is to be noted that in the context of the present invention, a "user unique ID" is dynamically changing (i.e. there is an expiry date, e.g. 2 minutes), which is distinguished from certain identities that are fixed and unchangeable (e.g. device identities). The dynamically changed 'user unique ID' can effectively prevent lawbreakers from forging wireless communication equipment to embezzle user funds, and improves the fund security.
In one or more embodiments of the invention, the "payment server" is distinct from the user terminal or biometric terminal. Its main function is to preprocess payment requests to comply with the acquirer or UnionPay requirements. In one embodiment, the payment server is further in communication with the acquirer or the unionpay, i.e., forwards the preprocessed payment request to the acquirer or the unionpay, and receives the payment result replied by the acquirer or the unionpay. In the embodiment of fig. 3, the payment server also provides the user terminal with a user unique ID corresponding to its current login account.
Although not shown in fig. 3, in one embodiment, the method 3000 further comprises: inputting biological characteristic information of a user; and uploading the biometric information to the payment server. The uploaded biological characteristic information can be used for identity comparison and verification in a later payment scene.
With continued reference to fig. 4, fig. 4 illustrates a user terminal 4000 according to one embodiment of the invention. As shown in fig. 4, the user terminal 4000 includes a receiving unit 410, a requesting unit 420, and a transmitting unit 430. Wherein the receiving unit 410 is configured to receive a user unique ID request from a biometric identification terminal; the requesting unit 420 is configured to request a user unique ID corresponding to the current login account from the payment server; the sending unit 430 is configured to send the user unique ID to the biometric terminal, where the user unique ID is dynamically changed.
Although not shown in fig. 4, in one embodiment, the user terminal 4000 further includes: the input unit is used for inputting the biological characteristic information of the user; and an uploading unit for uploading the biometric information to the payment server.
In one embodiment, the user terminal 4000 is primarily responsible for the following functions: (1) user registration, namely, the user registers an account through information such as a mobile phone number, a password and the like; (2) user login: a user logs in through a registered mobile phone number and a registered password, and the current mobile phone number account is remembered by default after logging in; (3) inputting and uploading biological characteristic information: in a face-brushing payment scene, for example, a face of a payment user is input through a mobile phone camera, if the mobile phone has face data (such as face ID of Apple), the data can be directly used, and the face data is uploaded to a payment server for storage after the face data is successfully input; (4) binding a bank card: inputting a bank card number, displaying the terms of binding the card, verifying the identity of a payment user after the payment user agrees with the terms, and finishing binding the card after the verification is passed; (5) communicating with a biometric terminal or the like: and receiving a user unique ID request sent by the biological characteristic identification terminal, requesting the payment server for the user unique ID corresponding to the current mobile phone number account, and replying the unique ID of the user to the biological characteristic identification terminal after the user unique ID request is obtained.
Fig. 5 shows a payment method 5000 applied to a payment server according to one embodiment of the present invention. As shown in fig. 5, the payment method 5000 includes the steps of:
receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal, in step S510;
in step S520, generating a user unique ID corresponding to the current login account, where the user unique ID is dynamically changed; and
in step S530, the user unique ID is transmitted to the user terminal.
In the context of the present invention, a "user terminal" is a terminal device associated with a user, such as a smartphone, a headset, a smart bracelet, etc. In one embodiment, the user terminal may include software and hardware. Here, the software may include an application program in the mobile phone, which may be a program such as a mobile wallet carried by the mobile phone manufacturer or downloaded through an application store.
The term "user unique ID" is an identification that uniquely identifies a user. The identification may be, for example, a string of values generated by time plus a random code. It is to be noted that in the context of the present invention, a "user unique ID" is dynamically changing (i.e. there is an expiry date, e.g. 2 minutes), which is distinguished from certain identities that are fixed and unchangeable (e.g. device identities). The dynamically changed 'user unique ID' can effectively prevent lawbreakers from forging wireless communication equipment to embezzle user funds, and improves the fund security. In the embodiment of fig. 5, the user unique ID corresponds to the current login account of the user terminal.
The term "payment server" is different from a user terminal or a biometric terminal. Its main function is to preprocess payment requests to comply with the acquirer or UnionPay requirements. In one embodiment, the payment server is further in communication with the acquirer or the unionpay, i.e., forwards the preprocessed payment request to the acquirer or the unionpay, and receives the payment result replied by the acquirer or the unionpay. In the embodiment of fig. 5, the payment server also provides the user terminal with a user unique ID corresponding to its current login account.
Although not shown in fig. 5, in one embodiment, the method 5000 further comprises: receiving a payment request from a biometric identification terminal; preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring mechanism; and receiving a payment result from the acquirer and returning the payment result to the biological characteristic identification terminal.
In one embodiment, the method 5000 further includes: and storing the mapping relation between the current login account and the user unique ID in a valid period. In this embodiment, step S520 may further include: generating a user unique ID using time plus a random code; searching whether the user unique ID exists in the stored mapping relation; and if so, regenerating the user unique ID, otherwise, generating the user unique ID to be valid.
In one embodiment, the method 5000 further includes: receiving the user unique ID from a biometric identification terminal; and sending the biological characteristic information corresponding to the user unique ID to the biological characteristic identification terminal.
Fig. 6 shows a schematic structural diagram of a payment server 6000 according to an embodiment of the invention. As shown in fig. 6, the payment server 6000 includes: a first receiving means 610, a generating means 620 and a first sending means 630. Wherein the first receiving means 610 is configured to receive a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal; the generating means 620 is configured to generate a user unique ID corresponding to the current login account, where the user unique ID is dynamically changed; the first sending means 630 is used for sending the user unique ID to the user terminal.
In the context of the present invention, a "user terminal" is a terminal device associated with a user, such as a smartphone, a headset, a smart bracelet, etc. In one embodiment, the user terminal may include software and hardware. Here, the software may include an application program in the mobile phone, which may be a program such as a mobile wallet carried by the mobile phone manufacturer or downloaded through an application store.
The term "user unique ID" is an identification that uniquely identifies a user. The identification may be, for example, a string of values generated by time plus a random code. It is to be noted that in the context of the present invention, a "user unique ID" is dynamically changing (i.e. there is an expiry date, e.g. 2 minutes), which is distinguished from certain identities that are fixed and unchangeable (e.g. device identities). The dynamically changed 'user unique ID' can effectively prevent lawbreakers from forging wireless communication equipment to embezzle user funds, and improves the fund security.
The term "payment server" is different from a user terminal or a biometric terminal. Its main function is to preprocess payment requests to comply with the acquirer or UnionPay requirements. In one embodiment, the payment server 6000 further communicates with the acquirer or the unionpay by forwarding the preprocessed payment request to the acquirer or the unionpay and receiving the payment result replied by the acquirer or the unionpay.
Although not shown in fig. 6, the payment server 6000 may further include: second receiving means for receiving the user unique ID from a biometric identification terminal; and a second transmitting means for transmitting the biometric information corresponding to the user unique ID to the biometric identification terminal.
In one embodiment, the payment server 6000 may further include: third receiving means for receiving a payment request from the biometric identification terminal; the preprocessing device is used for preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring mechanism; and the fourth receiving device is used for receiving the payment result from the acquirer and returning the payment result to the biological characteristic identification terminal.
In one embodiment, the payment server 6000 further comprises: and the storage device is used for storing the mapping relation between the current login account and the unique ID of the user in the valid period. In this payment server 6000, the generating means 620 is configured to: generating a user unique ID using time plus a random code; searching whether the user unique ID exists in the stored mapping relation; and if so, regenerating the user unique ID, otherwise, generating the user unique ID to be valid.
Fig. 7 shows a flow diagram of an NFC-based face payment scheme 7000 according to an embodiment of the present invention.
Referring to fig. 7, in step 702, as a precondition for using "face-brushing payment", a payer inputs a face of the payer through a user terminal (e.g., a mobile phone camera), and if the user terminal itself has face data, the data can be directly used. In step 704, after the entry is successful, the face data is uploaded to a payment server for storage.
In one payment behavior, as shown in step 710, the payee merchant scans the purchased goods of the payer one by one, and inputs specific information of the goods, including but not limited to the name of the goods, the quantity of the goods, and the unit price of the goods, into the face-brushing terminal. Next, in step 712, the face-brushing terminal generates and displays a bill: and generating a payment bill and displaying the payment bill to a payment user according to the specific information of the input commodity, wherein the display content comprises but is not limited to the commodity name, the commodity quantity, the commodity unit price and the total amount of the bill, and meanwhile, a confirmation button is displayed for the user to click and confirm. In step 714, after the payer clicks the confirmation button, the face of the payer is entered through the camera.
Then, the face brushing terminal communicates with the user terminal. Specifically, in step 720, based on NFC technology, the swipe terminal sends a user-unique ID request to one or more user handsets located nearby (e.g., in a range of 0 to 1 meter from the swipe terminal). In step 722, after the user terminal receives the user unique ID request sent by the face brushing terminal, the user terminal requests the payment server for the user unique ID corresponding to the current mobile phone number account. In step 724, after receiving the user unique ID request sent by the user terminal, the payment server generates a user unique ID corresponding to the mobile phone number account according to a certain rule (the user unique ID has a validity period, for example, 2 minutes), and the payment service period stores the mapping relationship between the mobile phone number account and the user unique ID in the validity period. Subsequently, in step 726, the payment server replies to the user terminal with the generated user unique ID.
In one or more embodiments, the user unique ID may be generated according to a rule (i.e., time plus a random code), and after the generation, whether a newly generated user unique ID exists is searched for from a mapping relationship between a stored mobile phone number account and the user unique ID within a validity period, and if the newly generated user unique ID exists, the user unique ID is regenerated; if not, the generation is successful.
In step 730, the user terminal transmits the acquired user unique ID to the face brushing terminal.
After receiving one or more dynamically changing user unique IDs, the face brushing terminal requests the payment server for face data corresponding to these IDs one by one in step 740. In step 742, the face brushing terminal receives face data corresponding to these IDs from the payment server. In step 744, the face brushing terminal compares the requested face data with the face brushing data to obtain a comparison result.
In case the comparison is successful, the face brushing terminal sends a payment request (the payment request includes, but is not limited to, the payment amount, the user unique ID) to the payment server in step 750. In step 752, the payment server feeds back the payment result or the verification result to the face brushing terminal. In step 754, the face-brushing terminal displays a payment success prompt after the payment is successful, and displays a failure prompt if the verification fails.
Above-mentioned brush face payment scheme 7000 based on near field communication technique (NFC) has promoted the payment experience of "brushing face payment", has solved the manual secondary verification problem of "brushing face payment", ensures the payment safety of "brushing face payment" simultaneously, guarantees payment user's fund safety.
Specifically, aiming at the problem of poor payment experience of the existing method, the encryption interaction between the face brushing terminal and the mobile phone of the payment user is used for secondary verification after the face brushing of the payment user, so that the secondary verification is unaware of the user, if the original face brushing payment utilizes a payment password, a mobile phone number, voiceprint characteristics and the like as means of secondary verification, the payment process of the payment user is easy to be complicated, the payment experience is influenced, if the payment method disclosed by the patent is used, the secondary verification of the face brushing payment is completed among the face brushing terminal, the mobile phone of the payment user and the payment terminal in an encrypted mode, and the payment user can complete the whole payment process without other operations after the face brushing.
Aiming at the problem of potential payment safety hazards in the existing method, the face brushing terminal, the mobile phone of the payment user and the payment terminal are subjected to encryption interaction for secondary verification after the face of the payment user is brushed, so that the problem that the fund safety of the payment user is influenced due to the fact that personal privacy and payment elements (such as human face data) are leaked is avoided, if the original face brushing payment lacks secondary verification or voiceprint characteristics and the like are used as means of secondary verification, the leakage of the payment elements is easily caused, and the fund safety of an individual is influenced. Moreover, the encryption equipment identifier transmitted between the existing face-brushing terminal and the mobile phone of the user is unchanged for a long time and can be acquired without a threshold, and if the encryption equipment identifier and the payment element are simultaneously revealed, the personal fund security is affected. In contrast, after the payment method disclosed by the patent is used, the encrypted user unique ID transmitted between the face brushing terminal and the mobile phone of the user is dynamically changed, and even if the payment element is leaked, the lawbreaker cannot finish embezzlement of the fund of the payment user through the encrypted user unique ID and the payment element.
Aiming at the problem that the design of the existing method is incomplete, the payment will of the user is identified in a mode that the payment user actively swipes the face to express the payment will, and the risk of mistaken payment after the mobile phone of the user enters a payment area is avoided. In addition, when a plurality of user mobile phones enter the payment area at the same time, the face brushing terminal sends user unique ID requests to the plurality of user mobile phones entering the payment area, and the capability of screening payment users is achieved.
For the problem of large data transmission delay of the existing method, a face brushing terminal is used for sending a user unique ID request to one or more user mobile phones near the position, so that transmission of large data volume is avoided, and data transmission delay is reduced. After the payment method of the patent is used, the second biological characteristics are replaced by the unique ID of the user, and the data volume to be transmitted is greatly reduced.
In summary, various payment verification schemes according to embodiments of the present invention can be used to "verify" a user (without requiring the user to input a payment password) by comparing first biometric information identified by a biometric identification terminal with biometric information corresponding to a user unique ID (which is dynamically changing, rather than being fixed) stored in advance on a payment server, thereby safely completing the entire payment process. The payment experience of the user is greatly improved on the premise of ensuring the payment safety. In addition, the payment verification scheme of one or more embodiments of the present invention involves the biometric terminal receiving (directly or indirectly) a user unique ID from a user terminal in the vicinity of (i.e., within a certain range of) the biometric terminal based on near field communication technology (including but not limited to NFC), and performing subsequent biometric verification based on the dynamically changing user unique ID, further ensuring security and convenience of payment.
Although the foregoing specification describes only some embodiments of the invention, it will be appreciated by those skilled in the art that the invention may be embodied in many other forms without departing from the spirit or scope thereof. In one or more embodiments, the biometric technology used in each technical solution of the present disclosure may be adjusted, for example, the face feature recognition is changed to other biometric technologies such as fingerprint, palm print, voiceprint, iris, and palm vein, and the face-brushing terminal is correspondingly adjusted to terminals such as fingerprint, palm print, voiceprint, iris, and palm vein. In one or more embodiments, the communication technology used in various aspects of the present patent may be modified, for example, NFC may be modified to other near field communication technologies (including but not limited to bluetooth, RFID, ZigBee, UWB). In one or more embodiments, the face brushing terminal employed in the various technical solutions of this patent may be adjusted to request a dynamically changing user unique ID from one or more user handsets near the location, for example, the one or more user handsets near the location actively send the user unique ID. In one or more embodiments, after receiving one or more dynamically changing unique IDs of users, the face-brushing terminal adopted in each technical scheme of the patent may request face data corresponding to the IDs from the payment server one by one or in batches, compare the face data with the face-brushing data, and take relevant measures to adjust according to a comparison result. In one or more embodiments, the communication mode between the face brushing terminal and the mobile phone of the payment user used in each technical scheme of the patent may be adjusted to avoid direct communication, and indirect communication may be used, for example, the mobile phone of the user may synchronize GPS information with the payment server, and the face brushing terminal may request the payment server for the dynamically changing unique user ID corresponding to one or more mobile phones of the user located near the face brushing terminal, so as to complete indirect acquisition of the unique user ID.
Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.
Claims (33)
1. A payment method applied to a biological characteristic identification terminal is characterized by comprising the following steps:
acquiring first biological characteristic information of a user;
receiving a user unique ID corresponding to the user, the user unique ID being dynamically changing; and
and after determining that the first biological characteristic information is consistent with the biological characteristic information which is stored in advance on the payment server and corresponds to the user unique ID, sending a payment request to the payment server so as to complete the payment process.
2. The method of claim 1, further comprising, prior to obtaining the first biometric information of the user:
scanning the commodities purchased by the user and inputting specific information of the commodities; and
and generating a payment bill according to the input commodity specific information and displaying the payment bill to the user.
3. The method of claim 2, wherein obtaining the first biometric information of the user comprises:
after the user confirms the bill for payment, first biological characteristic information of the user is input through a sensor installed on the biological characteristic identification terminal.
4. The method of claim 1, wherein receiving a user unique ID corresponding to the user comprises:
based on the near field communication technology, sending a user unique ID request to a user terminal within a certain range of the biological characteristic identification terminal; and
receiving the user unique ID from the user terminal.
5. The method of claim 1 or 4, further comprising:
requesting biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID;
receiving the biometric information from the payment server; and
comparing the received biometric information with the first biometric information.
6. The method of claim 1 or 4, further comprising:
after receiving the user unique ID, sending the first biometric information and the user unique ID to the payment server; and
and receiving a comparison result of the biological characteristic information corresponding to the user unique ID and the first biological characteristic information from the payment server.
7. The method of claim 1, wherein the payment request includes a payment amount and the user unique ID.
8. The method of claim 1, wherein receiving a user unique ID corresponding to the user comprises:
requesting a user unique ID corresponding to a user terminal located in a certain range of the biological characteristic identification terminal from the payment server; and
receiving the user unique ID from the payment server.
9. The method of claim 1, wherein the first biometric information or biometric information corresponding to the user unique ID includes one or more of a facial feature, a fingerprint, a palm print, a voice print, an iris, a palm vein.
10. A biometric terminal, the terminal comprising:
the acquisition device is used for acquiring first biological characteristic information of a user;
first receiving means for receiving a user unique ID corresponding to the user, the user unique ID being dynamically changed; and
and the first sending device is used for sending a payment request to the payment server so as to complete the payment process after determining that the first biological characteristic information is consistent with the biological characteristic information which is stored in advance on the payment server and corresponds to the unique ID of the user.
11. The terminal of claim 10, further comprising:
the scanning device is used for scanning the commodities purchased by the user and inputting the specific information of the commodities; and
and the generating device is used for generating a payment bill according to the input commodity specific information and displaying the payment bill to the user.
12. The terminal of claim 10, wherein the obtaining means is configured to enter first biometric information of the user through a sensor installed on the biometric terminal after the user confirms the bill for payment.
13. The terminal of claim 10, wherein the first receiving means is configured to:
based on the near field communication technology, sending a user unique ID request to a user terminal within a certain range of the biological characteristic identification terminal; and
receiving the user unique ID from the user terminal.
14. The terminal of claim 10 or 13, further comprising:
requesting means for requesting biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID;
second receiving means for receiving the biometric information from the payment server; and
and the first comparison device is used for comparing the received biological characteristic information with the first biological characteristic information.
15. The terminal of claim 10 or 13, further comprising:
second transmitting means for transmitting the first biometric information and the user unique ID to the payment server after receiving the user unique ID; and
and the third receiving device is used for receiving a comparison result of the biological characteristic information corresponding to the user unique ID and the first biological characteristic information from the payment server.
16. The terminal of claim 10, wherein the payment request includes a payment amount and the user unique ID.
17. The terminal of claim 10, wherein the first receiving means is configured to:
requesting a user unique ID corresponding to a user terminal located in a certain range of the biological characteristic identification terminal from the payment server; and
receiving the user unique ID from the payment server.
18. The terminal of claim 10, wherein the first biometric information or biometric information corresponding to the user unique ID includes one or more of a facial feature, a fingerprint, a palm print, a voice print, an iris, a palm vein.
19. A payment method applied to a user terminal, the method comprising:
receiving a user unique ID request from a biometric identification terminal;
requesting a unique user ID corresponding to a current login account from a payment server; and
sending the user unique ID to the biometric identification terminal, the user unique ID being dynamically changed.
20. The method of claim 19, further comprising:
inputting biological characteristic information of a user; and
uploading the biometric information to the payment server.
21. A user terminal, characterized in that the user terminal comprises:
a receiving unit for receiving a user unique ID request from a biometric identification terminal;
a requesting unit, configured to request a unique user ID corresponding to a current login account from a payment server; and
a transmitting unit for transmitting the user unique ID to the biometric identification terminal, the user unique ID being dynamically changed.
22. The user terminal of claim 21, further comprising:
the input unit is used for inputting the biological characteristic information of the user; and
and the uploading unit is used for uploading the biological characteristic information to the payment server.
23. A payment method applied to a payment server, the method comprising:
receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal;
generating a user unique ID corresponding to the current login account, wherein the user unique ID is dynamically changed; and
and sending the user unique ID to the user terminal.
24. The method of claim 23, further comprising:
and storing the mapping relation between the current login account and the user unique ID in a valid period.
25. The method of claim 24, wherein generating the user unique ID corresponding to the current login account comprises:
generating a user unique ID using time plus a random code;
searching whether the user unique ID exists in the stored mapping relation; and
and if so, regenerating the user unique ID, otherwise, generating the user unique ID effectively.
26. The method of claim 23, further comprising:
receiving the user unique ID from a biometric identification terminal; and
and sending the biological characteristic information corresponding to the unique ID of the user to the biological characteristic identification terminal.
27. The method of claim 23, further comprising:
receiving a payment request from a biometric identification terminal;
preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring mechanism;
and receiving a payment result from the acquirer and returning the payment result to the biological characteristic identification terminal.
28. A payment server, characterized in that the payment server comprises:
first receiving means for receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal;
generating means for generating a user unique ID corresponding to the current login account, the user unique ID being dynamically changed; and
a first sending means for sending the user unique ID to the user terminal.
29. The payment server of claim 28, further comprising:
and the storage device is used for storing the mapping relation between the current login account and the unique ID of the user in the valid period.
30. The payment server of claim 29, wherein the generating means is configured to:
generating a user unique ID using time plus a random code;
searching whether the user unique ID exists in the stored mapping relation; and
and if so, regenerating the user unique ID, otherwise, generating the user unique ID effectively.
31. The payment server of claim 28, further comprising:
second receiving means for receiving the user unique ID from a biometric identification terminal; and
and second transmitting means for transmitting the biometric information corresponding to the user unique ID to the biometric identification terminal.
32. The payment server of claim 28, further comprising:
third receiving means for receiving a payment request from the biometric identification terminal;
the preprocessing device is used for preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring mechanism;
and the fourth receiving device is used for receiving the payment result from the acquirer and returning the payment result to the biological characteristic identification terminal.
33. A computer storage medium comprising instructions that when executed perform the method of any of claims 1-9, 19, 20, and 23-27.
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