CN202854880U - SMS payment system based on fingerprint identification mobile phone - Google Patents
SMS payment system based on fingerprint identification mobile phone Download PDFInfo
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- CN202854880U CN202854880U CN 201220496524 CN201220496524U CN202854880U CN 202854880 U CN202854880 U CN 202854880U CN 201220496524 CN201220496524 CN 201220496524 CN 201220496524 U CN201220496524 U CN 201220496524U CN 202854880 U CN202854880 U CN 202854880U
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Abstract
The utility model relates to an SMS payment system based on a fingerprint identification mobile phone. The system comprises a mobile phone with a fingerprint characteristic acquisition module and a payment system. The mobile phone and the payment system are interacted through a wireless network by using a respective communication module. The mobile phone comprises a first fingerprint verification module, a payment SMS editing module, a digital signature module and a mobile phone payment control module. The payment system comprises a registration module, an encryption and decryption module, a second fingerprint verification module, a payment module and a main control module. According to the system, double fingerprint identity authentication of the mobile phone and the payment system are employed, combined with digital signature technology, a legal identity of a user is confirmed, a payment SMS and a user fingerprint characteristic are encrypted and decrypted, and the security and confidentiality of SMS payment are improved.
Description
Technical field
The utility model relates to the mobile payment field, relates in particular to a kind of payment by using short messages system based on the fingerprint recognition mobile phone.
Background technology
Along with the development of the penetration of electron Electronic Business Technology of internet, mobile phone more and more has been applied to pay by mails.When paying such as logging in to online banks, payment system can send identifying code to user mobile phone, and the user confirms transaction by the input validation code.Login bank transaction website or system server input account and password by cell phone network and carry out electronic transaction.Under these modes, in case forgetting trading password, the user can't conclude the business, and very inconvenient.And in a single day user's account and password are revealed or are illegally intercepted, crack, and will cause great threat to user's property and account safety.
Thereby, be necessary to provide the hand call payment system of a kind of high security and confidentiality.
The utility model content
The technical matters that the utility model solves provides a kind of payment by using short messages system based on the fingerprint recognition mobile phone, adopt mobile phone terminal and the dual finger print identification verification of payment system, and in conjunction with digital signature technology, confirm user's legal identity, and payment note and user fingerprints feature carried out encryption and decryption, improved security and the confidentiality of payment by using short messages.
For solving the problems of the technologies described above, the utility model adopts following scheme:
A kind of payment by using short messages system based on the fingerprint recognition mobile phone comprises: have mobile phone and the payment system of fingerprint characteristic acquisition module, described mobile phone and payment system are mutual by wireless network with communication module separately, wherein,
Described mobile phone comprises:
The first fingerprint authentication module is used for fingerprint characteristic and fingerprint template that the collection of mobile fingerprint collection apparatus module is extracted are compared, the checking Fingerprint Identity;
Payment short message editing module is used for editor's payment note, and described payment note comprises account, item code, payment instruction and payment;
The digital signature module is connected with described payment short message editing module, is used for private key described payment note and described fingerprint characteristic being carried out digital signature;
The mobile-phone payment control module, be connected with described the first fingerprint authentication module, payment short message editing module and the digital signature module of being connected, be used for when the finger print identification verification of described the first fingerprint authentication module passes through, with described private key described payment note and described fingerprint characteristic are carried out digital signature, and it is sent to described payment system by its communication module;
Described payment system comprises:
Registering modules is used for user's register account number, generates fingerprint template behind the collection fingerprint fingerprint characteristic, and with described account and its phone number and the binding of described fingerprint template;
The encryption and decryption module generates a pair of public and private key, with described account generating digital certificate, and deciphers described payment note and fingerprint characteristic with described PKI;
The second fingerprint authentication module is connected with the fingerprint characteristic acquisition module of described payment system, is used for fingerprint characteristic and described fingerprint template that described encryption and decryption module decrypts obtains are compared the checking Fingerprint Identity;
Payment module is used for carrying out delivery operation according to account, item code, payment instruction and the payment of described payment note when described the second fingerprint authentication module checking Fingerprint Identity passes through;
Main control module, all be connected with described Registering modules, encryption and decryption module, the second fingerprint authentication module and payment module, be used for the described digital certificate of described encryption and decryption module generation and the fingerprint template of described Registering modules generation are provided to user mobile phone by its communication module, receive and decipher described payment note and fingerprint characteristic with described PKI, and after passing through by described the second fingerprint authentication module checking Fingerprint Identity, start described payment module and carry out delivery operation according to described payment note.
In the described payment by using short messages system, preferred, described payment system comprises a cipher code generator, is used for generating a pair of public and private key.
In the described payment by using short messages system, preferred, described payment system and described user mobile phone include the fingerprint characteristic harvester, be used for gathering fingerprint image, and the feature that therefrom takes the fingerprint.
In the described payment by using short messages system, preferred, the fingerprint acquisition device of described user mobile phone comprises sliding type semiconductor fingerprint sensor or CMOS optical fingerprint sensor.
In the described payment by using short messages system, preferred, the described private key after described digital certificate, fingerprint template and the encryption is provided to the user by the mode of USBKEY equipment or Internet Transmission.
In the described payment by using short messages system, preferred, the described fingerprint characteristic and the described fingerprint template that collect are compared, surpass reservation threshold such as both similarities, then described fingerprint characteristic is compared and is passed through.
The technical matters that the utility model solves provides a kind of payment by using short messages system based on the fingerprint recognition mobile phone, adopt mobile phone terminal and the dual finger print identification verification of payment system, confirm user's legal identity and obligation authority, and in conjunction with digital signature technology, and payment note and user fingerprints feature carried out encryption and decryption, it is in by wireless communication and transport process, can guarantee that it is not illegally modified, intercepts and decodes, improve security and the confidentiality of described payment short message content and fingerprint characteristic.
Description of drawings
Fig. 1 is the synoptic diagram based on the payment by using short messages system of fingerprint recognition mobile phone of the utility model embodiment.
Embodiment
The utility model provides a kind of payment by using short messages system based on the fingerprint recognition mobile phone, and is clearer, clear and definite for making the purpose of this utility model, technical scheme and effect, referring to the accompanying drawing examples the utility model further described.
Fig. 1 is the synoptic diagram based on the payment by using short messages system of fingerprint recognition mobile phone of the utility model embodiment.As shown in the figure, described payment by using short messages system comprises: have fingerprint characteristic acquisition module 201,301 mobile phone 20 and payment system 30, it is mutual that described mobile phone and payment system usefulness communication module 202,302 separately passes through wireless network, wherein, described mobile phone 20 comprises the first fingerprint authentication module 203, payment short message editing module 204, digital signature module 205 and mobile-phone payment control module 200, and described payment system 30 comprises Registering modules 303, encryption and decryption module 304, the second fingerprint authentication module 305, payment module 306 and main control module 300.
Described fingerprint characteristic acquisition module 201,301 comprises fingerprint sensor, can be sliding type semiconductor fingerprint sensor or COMS, CCD optical fingerprint sensor, is used for gathering fingerprint image, and then by the specific fingerprint algorithm feature that takes the fingerprint.
Described the first fingerprint authentication module 203 is connected with described fingerprint characteristic acquisition module 201, is used for that mobile phone 20 fingerprint characteristic acquisition modules 201 are gathered the fingerprint characteristic and the fingerprint template that extract and compares the checking Fingerprint Identity.The fingerprint acquisition device of described user mobile phone comprises sliding type semiconductor fingerprint sensor or CMOS optical fingerprint sensor.The described fingerprint characteristic and the described fingerprint template that collect are compared, surpass reservation threshold such as both similarities, then the legal identity of authentication of users is passed through in described fingerprint characteristic comparison.
Here, only have by the checking fingerprint, just can obtain the operating right of SMS payment, effectively avoided illegal user's direct control payment by using short messages that user's account and property safety are caused infringement.
Described payment short message editing module 204 is used for editor's payment note, and described payment note comprises account, item code, payment instruction and payment.The user can input and payment confirming information by cell phone keyboard or touch-screen.Described messaging format is: account+item code+payment instruction+payment, for example 123456789#PCEQ#ZF#5000 is expressed as with 5000 yuan of projects that are used for the PCEQ code of account 123456789 payments.Described item code can be generated when the concrete transaction business of transaction platform by the user.
Described digital signature module 205 is connected with described payment short message editing module 204, is used for private key described payment note being carried out digital signature.
Described mobile-phone payment control module 200, be connected with mobile phone CPU, described the first fingerprint authentication module 203, payment short message editing module 204 and the digital signature module 205 of being connected, be used for when the finger print identification verification of described the first fingerprint authentication module 203 passes through, with described private key described payment note and described fingerprint characteristic are carried out digital signature, and it is sent to described payment system 30 by its communication module 202.
Described Registering modules 303, be connected with described fingerprint characteristic acquisition module 301, be used for user's register account number, generate fingerprint template after gathering the fingerprint fingerprint characteristics by described fingerprint characteristic acquisition module 301, and described account and its phone number are bound with described fingerprint template.The user can apply for the registration of with effective identity certificate face to face in the log-in window of payment system 30, also can apply for the registration of by wireless network at user terminal, arranges or obtain the user account of described payment.Utilize the fingerprint acquisition device of described payment system 30 or user terminal to gather fingerprint image, and then generate fingerprint template by the specific fingerprint algorithm feature that takes the fingerprint.Described payment system 30 can be extracted the relevant user information such as described account and cell-phone number by described fingerprint template like this with described account and its phone number and the binding of described fingerprint template.
Described encryption and decryption module 304, comprise a cipher code generator, be used for generating a pair of public and private key, with described account generating digital certificate, and when receiving the payment note that the user sends over, decipher described payment note and fingerprint characteristic with described PKI by special algorithm.Described private key after described digital certificate, fingerprint template and the encryption is provided to the user by the mode of USB KEY equipment or Internet Transmission, certainly if the user registers face to face, also can provide to the user face to face by physical storage medium.The importing mobile phone 20 of described digital certificate, private key and fingerprint template can directly be downloaded by mobile phone 20 wireless networks, also can be undertaken by mobile phone 20 connection USB KEY equipment or physical storage medium.
Because payment note and described fingerprint characteristic after the digital signature are in encrypted state, it is in by wireless communication and transport process, can guarantee that it is not illegally modified, intercepts and decodes, guarantee security and the confidentiality of described payment short message content and fingerprint characteristic.
Described the second fingerprint authentication module 305 is connected with the fingerprint characteristic acquisition module 301 of described payment system 30, is used for fingerprint characteristic and described fingerprint template that described encryption and decryption module 304 deciphering obtain are compared the checking Fingerprint Identity.
If described fingerprint characteristic comparison is not passed through, then again verify fingerprint.If surpass the predetermined authentication number of times also fail by, in order to prevent that illegal user from attempting cracking, then lock described private key.Again verify fingerprint identification user's legal identity, the security that has improved described payment system 30 at payment system 30 ends.
Described payment module 306 is used for carrying out delivery operation according to account, item code, payment instruction and the payment of described payment note when described the second fingerprint authentication module 305 checking Fingerprint Identities pass through;
In sum, the payment by using short messages system based on the fingerprint recognition mobile phone that the utility model provides, adopt mobile phone terminal and the dual finger print identification verification of payment system, and in conjunction with digital signature technology, confirm user's legal identity, and payment note and user fingerprints feature carried out encryption and decryption, improved security and the confidentiality of payment by using short messages.
Be understandable that; for those of ordinary skills; can be equal to replacement or change according to the technical solution of the utility model and utility model design thereof, and all these changes or replacement all should belong to the protection domain of the appended claim of the utility model.
Claims (6)
1. payment by using short messages system based on the fingerprint recognition mobile phone comprises: have mobile phone and the payment system of fingerprint characteristic acquisition module, described mobile phone and payment system are mutual by wireless network with communication module separately, wherein,
Described mobile phone comprises:
The first fingerprint authentication module is used for fingerprint characteristic and fingerprint template that the collection of mobile fingerprint collection apparatus module is extracted are compared, the checking Fingerprint Identity;
Payment short message editing module is used for editor's payment note, and described payment note comprises account, item code, payment instruction and payment;
The digital signature module is connected with described payment short message editing module, is used for private key described payment note and described fingerprint characteristic being carried out digital signature;
The mobile-phone payment control module, be connected with described the first fingerprint authentication module, payment short message editing module and the digital signature module of being connected, be used for when the finger print identification verification of described the first fingerprint authentication module passes through, with described private key described payment note and described fingerprint characteristic are carried out digital signature, and it is sent to described payment system by its communication module;
Described payment system comprises:
Registering modules is used for user's register account number, generates fingerprint template behind the collection fingerprint fingerprint characteristic, and with described account and its phone number and the binding of described fingerprint template;
The encryption and decryption module generates a pair of public and private key, with described account generating digital certificate, and deciphers described payment note and fingerprint characteristic with described PKI;
The second fingerprint authentication module is connected with the fingerprint characteristic acquisition module of described payment system, is used for fingerprint characteristic and described fingerprint template that described encryption and decryption module decrypts obtains are compared the checking Fingerprint Identity;
Payment module is used for carrying out delivery operation according to account, item code, payment instruction and the payment of described payment note when described the second fingerprint authentication module checking Fingerprint Identity passes through;
Main control module, all be connected with described Registering modules, encryption and decryption module, the second fingerprint authentication module and payment module, be used for the described digital certificate of described encryption and decryption module generation and the fingerprint template of described Registering modules generation are provided to user mobile phone by its communication module, receive and decipher described payment note and fingerprint characteristic with described PKI, and after passing through by described the second fingerprint authentication module checking Fingerprint Identity, start described payment module and carry out delivery operation according to described payment note.
2. payment by using short messages as claimed in claim 1 system is characterized in that described payment system comprises a cipher code generator, is used for generating a pair of public and private key.
3. payment by using short messages as claimed in claim 1 system is characterized in that described payment system and described user mobile phone include the fingerprint characteristic harvester, be used for gathering fingerprint image, and the feature that therefrom takes the fingerprint.
4. payment by using short messages as claimed in claim 1 system is characterized in that the fingerprint acquisition device of described user mobile phone comprises sliding type semiconductor fingerprint sensor or CMOS optical fingerprint sensor.
5. payment by using short messages as claimed in claim 1 system is characterized in that the described private key after described digital certificate, fingerprint template and the encryption is provided to the user by the mode of USB KEY equipment or Internet Transmission.
6. payment by using short messages as claimed in claim 1 system is characterized in that, the described fingerprint characteristic and the described fingerprint template that collect are compared, and surpasses reservation threshold such as both similarities, and then described fingerprint characteristic comparison is passed through.
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| Application Number | Priority Date | Filing Date | Title |
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| CN 201220496524 CN202854880U (en) | 2012-09-26 | 2012-09-26 | SMS payment system based on fingerprint identification mobile phone |
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| CN 201220496524 CN202854880U (en) | 2012-09-26 | 2012-09-26 | SMS payment system based on fingerprint identification mobile phone |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102880960A (en) * | 2012-09-26 | 2013-01-16 | 深圳市亚略特生物识别科技有限公司 | Short message payment method and system based on fingerprint identifying mobile phone |
| CN103227716A (en) * | 2013-05-17 | 2013-07-31 | 上海云视科技有限公司 | System, method and communication method for encrypting information of user terminal capable of surfing internet |
| CN104021474A (en) * | 2014-06-20 | 2014-09-03 | 深圳市中兴移动通信有限公司 | Method, device and system for improving mobile payment security |
| CN104866744A (en) * | 2014-02-21 | 2015-08-26 | 联想(北京)有限公司 | Information processing method and electronic equipment |
| CN104915584A (en) * | 2015-06-03 | 2015-09-16 | 深圳市沃特沃德科技有限公司 | Intelligent mobile terminal random encryption and decryption system based on fingerprint characteristics |
| CN105184135A (en) * | 2015-08-31 | 2015-12-23 | 宇龙计算机通信科技(深圳)有限公司 | Fingerprint recognition method and fingerprint recognition system |
| CN105354466A (en) * | 2015-10-26 | 2016-02-24 | 维沃移动通信有限公司 | Fingerprint recognition method and mobile terminal |
| CN105488679A (en) * | 2015-11-23 | 2016-04-13 | 小米科技有限责任公司 | Mobile payment equipment, method and device based on biological recognition technology |
| CN112990927A (en) * | 2021-04-27 | 2021-06-18 | 中国工商银行股份有限公司 | Payment verification method, system, device, computer system and storage medium |
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2012
- 2012-09-26 CN CN 201220496524 patent/CN202854880U/en not_active Expired - Lifetime
Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102880960A (en) * | 2012-09-26 | 2013-01-16 | 深圳市亚略特生物识别科技有限公司 | Short message payment method and system based on fingerprint identifying mobile phone |
| CN102880960B (en) * | 2012-09-26 | 2016-01-13 | 深圳市亚略特生物识别科技有限公司 | Based on the payment by using short messages method and system of fingerprint recognition mobile phone |
| CN103227716A (en) * | 2013-05-17 | 2013-07-31 | 上海云视科技有限公司 | System, method and communication method for encrypting information of user terminal capable of surfing internet |
| CN103227716B (en) * | 2013-05-17 | 2017-02-08 | 上海云视科技股份有限公司 | System, method and communication method for encrypting information of user terminal capable of surfing internet |
| CN104866744A (en) * | 2014-02-21 | 2015-08-26 | 联想(北京)有限公司 | Information processing method and electronic equipment |
| CN104866744B (en) * | 2014-02-21 | 2018-11-13 | 联想(北京)有限公司 | A kind of information processing method and electronic equipment |
| CN104021474B (en) * | 2014-06-20 | 2016-03-02 | 努比亚技术有限公司 | A kind of method, Apparatus and system improving mobile payment security |
| CN104021474A (en) * | 2014-06-20 | 2014-09-03 | 深圳市中兴移动通信有限公司 | Method, device and system for improving mobile payment security |
| CN104915584A (en) * | 2015-06-03 | 2015-09-16 | 深圳市沃特沃德科技有限公司 | Intelligent mobile terminal random encryption and decryption system based on fingerprint characteristics |
| CN105184135A (en) * | 2015-08-31 | 2015-12-23 | 宇龙计算机通信科技(深圳)有限公司 | Fingerprint recognition method and fingerprint recognition system |
| CN105354466A (en) * | 2015-10-26 | 2016-02-24 | 维沃移动通信有限公司 | Fingerprint recognition method and mobile terminal |
| CN105354466B (en) * | 2015-10-26 | 2017-03-29 | 维沃移动通信有限公司 | A kind of fingerprint identification method and mobile terminal |
| CN105488679A (en) * | 2015-11-23 | 2016-04-13 | 小米科技有限责任公司 | Mobile payment equipment, method and device based on biological recognition technology |
| EP3171310A1 (en) * | 2015-11-23 | 2017-05-24 | Xiaomi Inc. | Biological recognition technology-based mobile payment device, method and apparatus, computer program and recording medium |
| RU2649786C2 (en) * | 2015-11-23 | 2018-04-04 | Сяоми Инк. | Mobile payment device based on biological technology, method and device |
| CN105488679B (en) * | 2015-11-23 | 2019-12-03 | 北京小米支付技术有限公司 | Mobile payment device, method and apparatus based on biological identification technology |
| US11367054B2 (en) | 2015-11-23 | 2022-06-21 | Xiaomi Inc. | Biological recognition technology-based mobile payment device, method and apparatus, and storage medium |
| CN112990927A (en) * | 2021-04-27 | 2021-06-18 | 中国工商银行股份有限公司 | Payment verification method, system, device, computer system and storage medium |
| CN112990927B (en) * | 2021-04-27 | 2024-03-08 | 中国工商银行股份有限公司 | Payment verification method, system, device, computer system and storage medium |
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Address after: 518057 t2-a2-a, high tech Industrial Village, high tech Zone, Keyuan South Road, Nanshan District, Shenzhen City, Guangdong Province Patentee after: Shenzhen yaliote Technology Co.,Ltd. Address before: 518057 t2-a2-a, high tech Industrial Village, high tech Zone, Keyuan South Road, Nanshan District, Shenzhen City, Guangdong Province Patentee before: SHENZHEN ARATEK BIOMETRICS TECHNOLOGY Co.,Ltd. |
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| CX01 | Expiry of patent term |
Granted publication date: 20130403 |
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| CX01 | Expiry of patent term |