TW202213214A - Decentralized paymentsystem based on biological features - Google Patents

Abstract

A decentralized payment system based on biological features includes an acquiring server, a biological feature server, and a blockchain server. The acquiring server receives an acquiring data and a biological feature authentication data. The biological feature server authenticates user identification according to the biological feature authentication data. When the biological feature server determines that the biological feature authentication data matches the user identification, the biological feature server determines whether a payment institution of a payment account is the same with an acquiring institution. When the biological feature server determines that the payment institution is different from the acquiring institution, the blockchain server transmits a payment message to another blockchain server of the acquiring institution to require the payment account to pay the payment of the acquiring data.

Description

Decentralized biometric payment system

This case is about a payment system, and in particular a decentralized biometric payment system.

In the current financial payment behaviors, consumers must carry cash, physical credit cards or visa cards to pay, or carry electronic devices to make mobile payments. However, if the user forgets to carry cash, a physical card, an electronic device, or the power supply of the electronic device is used up, or if the cash is insufficient, any payment cannot be made at all. This is quite inconvenient for consumers in terms of payment.

The purpose of this summary is to provide a simplified abstract of the present disclosure so that the reader can have a basic understanding of the content of the present case. This summary is not an exhaustive overview of the disclosure, and it is not intended to identify key/critical elements of the present embodiments or to delimit the scope of the present disclosure.

According to an embodiment of the present case, a decentralized biometric payment system is disclosed, including an acquiring server, a biometric server and a blockchain server. The acquiring server is configured to receive an acquiring data and a biometric verification information, wherein the acquiring server is associated with an acquiring financial institution. A biometric server is coupled to the acquiring server. The biometric server is configured to verify a user identity of the acquiring information based on the biometric authentication information, and when the biometric server determines that the user identity of the acquiring information matches the biometric authentication information , judging whether a payment financial institution bound to a payment account for payment is the same as the acquiring financial institution. The blockchain server is coupled to the biometric server, wherein when the biometric server determines that the acquiring financial institution is different from the paying financial institution, the blockchain server sends a request to another area of the paying financial institution The blockchain server transmits a payment message to request payment of the acquiring data from the payment account.

The following disclosure provides many different embodiments for implementing the different features of the present case. Examples of components and arrangements are described below to simplify the present case. Of course, these embodiments are exemplary only and are not intended to be limiting. For example, the terms "first" and "second" are used to describe elements in this case, only to distinguish the same or similar elements or operations, and the terms are not used to limit the technical elements of this case, nor to Restricts the order or sequence of operations. In addition, the reference numerals and/or letters may be repeated in each embodiment, and the same technical terms may use the same and/or corresponding reference numerals in each embodiment. This repetition is for the purpose of brevity and clarity, and does not in itself indicate a relationship between the various embodiments and/or configurations discussed.

Please refer to FIG. 1, which shows a block diagram of a decentralized biometric payment system 100 according to some embodiments of the present application. The decentralized biometric payment system 100 will establish the association between the user's biometric information and the payment account in advance, and the user does not need to carry any cards or show payment barcodes when purchasing goods or services in the store. media, users only need to use their own biometric information to complete the payment.

In some embodiments, the decentralized biometric payment system 100 includes an acquiring server 110 , a biometric server 120 , a billing server 130 and a blockchain server 140 . The acquiring server 110 is coupled to the biometric server 120 . The biometric server 120 is coupled to the billing server 130 and the blockchain server 140 .

In some embodiments, the biometric server 120 of the decentralized biometric payment system 100 is communicatively coupled to the electronic device 200 . The electronic device 200 can be a portable electronic device, a mobile phone, a tablet computer, a personal digital assistant (PDA), a wearable device, a notebook computer, etc., and has a processor and/or a storage device, An electronic device that can execute applications installed on it and/or in the cloud.

In order to explain the binding method between the user's biometric information and the payment account, please refer to Figure 1 and Figure 2 together below. FIG. 2 is a flowchart illustrating a method for binding biometric information according to some embodiments of the present application. The binding method is performed by the electronic device 200 and the decentralized biometric payment system 100 . The electronic device 200 may be installed with an application program executable by a financial institution for performing financial services. For example, the electronic device 200 is installed with an application program of Huanan Bank Mobile Banking, so that the user can operate the application program on the electronic device 200 to perform binding of biometric information. Biometric information can be fingerprint (or finger vein) features, iris features of eyes, retina features, facial features, palm print (or palm vein) features, voice features, etc. Any biometric feature is within the scope of this case and can be applied to this case full text.

It is worth mentioning that, in order to simplify the content of the manual, the following biometric information is illustrated with fingerprints as an example.

As shown in FIG. 2 , in step S210 , the user's biometric information is captured through the electronic device 200 . In some embodiments, the user may operate the application program of the electronic device 200 to perform the binding procedure of the biometric feature.

In step S220 , the biometric information associated with the user's identity and the payment account are transmitted to the biometric server 120 through the electronic device 200 . In some embodiments, the payment account refers to an account with a financial institution held by the user. For example, the payment account can be, but is not limited to, the user's bank account at the bank, credit card account, etc. Any means applicable to payment fall within the scope of this case.

In step S230, the biometric server 120 associates and binds the biometric information and the payment account. In some embodiments, the biometric server 120 stores account information of all users, and after the association and binding are established, the database of the biometric server 120 has the association between the account information and the biometric information. Since biometric information is highly personal and unique, the corresponding biometric information can be used to verify whether it is the user.

In some embodiments, in the binding information of the biometric server 120, each user may have an account with one or more financial institutions as a payment account. For example, the biometric server 120 stores the user's general account with Huanan Bank and Citibank's credit card, both of which can be used as payment accounts. On the other hand, users can also have accounts with multiple payment types with one or more financial institutions. For example, the biometric server 120 stores the user's general account and two credit cards in South China Bank, the general account of First Bank, and the credit card of Cathay Bank. This case does not limit the payment method of the binding payment stored in the biometric server 120 .

Please refer to Figure 1 again. The decentralized biometric payment system 100 is communicatively coupled to the acquiring device 300 . The acquiring device 300 may be an instant point-of-sale device installed in a store, or a cash register device in any form.

In some embodiments, the acquiring device 300 includes a capture module 310 and a payment confirmation module 320 . The capturing module 310 is used for reading the biometric verification information of the user. The payment confirmation module 320 is used for generating the payment message of the acquiring data. In some embodiments, the capture module 310 may be a fingerprint (or finger vein) feature capture module, an iris feature capture module, a retinal feature capture module, a facial feature capture module, a palm print (or Palm vein) feature extraction module, sound feature extraction module, etc. For example, when a user wants to make payment in a store, he presses his finger on the fingerprint feature capturing module, and the acquiring device 300 can obtain the fingerprint feature. On the other hand, when the user wants to check out at the store, the store can create acquiring data (eg, a list of purchased goods or services and a price list) in the acquiring device 300 and generate a payment message. The payment confirmation module 320 may be a touch (screen) module and/or a mechanical button for receiving a user's payment instruction. For example, after the acquiring device 300 obtains the fingerprint feature and passes the identity verification, the acquiring device 300 may prompt on a display screen (not shown) or a speaker (not shown) whether to confirm the payment. The user can issue a confirmation payment instruction through a touch (screen) module and/or a mechanical button. In this way, the payment of the acquiring profile will be debited directly from the payment account to complete the payment process.

In some embodiments, the acquiring server 110 receives an acquiring data and biometric verification information, wherein the acquiring server 110 is associated with an acquiring financial institution. For example, when a user conducts a consumption behavior in a store, the acquiring device 300 uploads the user's fingerprint and acquiring information to the acquiring server 110 .

In some embodiments, the acquiring server 110 is associated with an acquiring financial institution. For example, the decentralized biometric payment system 100 is installed in a financial institution, such as Huanan Bank. The acquiring server 110 is provided by the same financial institution (eg, Huanan Bank). When the user makes subsequent payments, if the payment financial institution bound to the payment financial institution is different from the acquiring financial institution, the payment information needs to be forwarded to other financial institutions, which will be explained in the following paragraphs. It is worth mentioning that the acquiring device 300 and the decentralized biometric payment system 100 belong to the same financial institution. In other words, if the decentralized biometric payment system 100 is the system of Huanan Bank, the connected acquiring device 300 is also provided by Huanan Bank to maintain information security and simplify the overall system architecture.

In some embodiments, the biometric server 120 verifies the user identity of the acquiring data based on the biometric verification information. For example, the biometric server 120 searches and compares the received biometric verification information with the user biometric information stored in the database. The database refers to the data created when the aforementioned user binds the biometric information and payment account.

In some embodiments, the billing server 130 is used to perform debiting of payments for acquiring data. For example, when the biometric server 120 determines that the acquiring financial institution is the same as the paying financial institution, the biometric server 120 transmits a payment message to the billing server 130 . In this way, the billing server 130 performs debiting.

In some embodiments, the blockchain server 140 is used to exchange messages with another blockchain server (not shown). For example, the blockchain server 140 is built by South China Bank, and another blockchain server (not shown) is built by First Bank. When the acquiring financial institution to which the acquiring device 300 installed in the store belongs is Huanan Bank, and the payment financial institution bound by the user is the first bank, the billing server 130 of Huanan Bank cannot perform deduction at this time. , instead, the payment message must be forwarded to the blockchain server of the First Bank through the blockchain server 140 of South China Bank, and then debited by the account server of the First Bank.

As mentioned above, the decentralized biometric payment system 100 is established by a financial institution, so each financial institution can implement the decentralized biometric payment system 100 of the present case. On the other hand, the blockchain server in this case provides a way for financial institutions to exchange data. In other words, all financial institutions can connect with one or more financial institutions to join the payment system to form a decentralized architecture without a central system for the exchange of financial information.

For the convenience of explaining the method of payment by the user through biometric information, please refer to Figure 1 and Figure 3 together below. FIG. 3 illustrates a flow chart of a payment method applicable to the decentralized biometric payment system 100 according to some embodiments of the present application.

In step S305 , the acquiring server 110 receives the biometric verification information and the acquiring data from the acquiring device 300 . The acquiring server 110 is associated with an acquiring financial institution.

In step S310, the biometric server 120 determines whether the biometric verification information matches a user's identity. In some embodiments, the biometric server 120 searches and compares the received biometric verification information with the user biometric information stored in the database, so as to obtain a payment account that can pay the payment. If it is determined that the biometric verification information is consistent with a user identity, step S315 is executed.

In step S315, it is determined whether the payment financial institution bound to the payment account is the same as the acquiring financial institution. In some embodiments, if the acquiring financial institution is Huanan Bank and the paying financial institution is First Bank, it means that the payment cannot be made in the decentralized biometric payment system 100 of Huanan Bank. At this time, step S320 is executed. It is worth mentioning that the step S310 and the step S315 can also be executed in an alternate order, for example, the step S315 is executed first, and then the step S310 is executed.

In step S320, the blockchain server 140 transmits a payment message to the payment financial institution to request payment of the acquiring data. For example, the blockchain server 140 of Huanan Bank is in communication connection with the blockchain server (not shown) of the First Bank. The blockchain server 140 of Huanan Bank transmits a payment message to the blockchain server (not shown) of the first bank for debiting by the billing server (not shown) of the first bank.

In step S325, the payment financial institution returns a debit completion message. For example, after the first bank completes the deduction, a debit completion message is generated, and then the debit completion message is sent back to the blockchain server of Huanan Bank through the blockchain server (not shown) of the first bank. 140. In this way, the payment process across financial institutions can be completed.

If in step S310, the biometric server 120 does not find a matching user ID, which means that there is no payment account available for deduction, then the payment process ends, and the decentralized biometric payment system 100 returns a message that the deduction failed message to the acquiring device 300, requesting the user to make payment in other ways.

If in step S315, the payment financial institution bound to the payment account is the same as the acquiring financial institution, step S330 is executed.

In step S330, the biometric server 120 transmits a payment message to the billing server 130, and the billing server 130 executes the deduction of the payment of the billing data. For example, if the decentralized biometric payment system 100 and the acquiring device 300 both belong to the architecture supported by Huanan Bank, the deduction is directly performed by the accounting server 130 of Huanan Bank, and after the deduction is completed, the payment is sent to the A complete debit message is sent to the acquiring device 300 .

In some embodiments, the user can bind one or more payment accounts, and set the debit order among these payment accounts. For example, if the user is bound to debit from Huanan Bank's general account, debit from First Bank credit card and debit from Citibank credit card, and set the debit order from first to last. The billing server 130 pays the billing data in sequence according to the debit order. If the first-ranked payment account cannot pay the money, the second-ranked payment account will deduct the money.

In some embodiments, when the balance of the first-ranked payment account is insufficient to pay the entire amount of the acquiring data, the second-ranked payment account is debited for the remaining amount. For example, if the total payment of the acquiring information is 200,000 yuan, the first-order payment account is the general account which has 120,000 yuan in movable cash. Since there is still 80,000 yuan left to pay, at this time, the second-ranked first bank credit card will pay the remaining 80,000 yuan.

It is worth mentioning that, the method of debiting money through a plurality of sequential payment accounts is performed through steps S315 , S320 and S325 described in FIG. 3 above, which will not be repeated here.

To sum up, the decentralized biometric payment system 100 in this case provides financial institutions with no need to go through a central system such as a financial company, but only through a blockchain server to achieve the exchange of accounting information . Since the blockchain server in this case applies the features of blockchain that cannot be tampered with and can be independently verified, it increases the security of the overall architecture. Furthermore, due to the decentralized nature, financial institutions are more resilient in joining or withdrawing from the payment system. Furthermore, when the user consumes in the store, and when the user subsequently purchases goods or services in the store, he does not need to carry any mobile device, physical financial card, or present payment media such as payment barcodes, and the user only needs to use his own With biometric information, the payment can be completed. Compared with the existing payment mechanism, there are considerable differences and improvements. This case can take into account both convenience and security.

The foregoing outlines features of several embodiments so that those skilled in the art may better understand aspects of the present case. Those skilled in the art will appreciate that the foregoing may readily be used as a basis for designing or modifying other variations for carrying out the same purposes and/or realizations of the embodiments described herein without departing from the spirit and scope of the present case. Same advantage. The above content should be construed as an example of this case, and its protection scope should be subject to the scope of the patent application.

100: Decentralized Biometric Payment System 110:Acquiring Server 120: Biometric Server 130:Accounting Server 140: Blockchain Server 200: Electronics 300: Acquiring device 310: Capture Module 320: Payment Confirmation Module S210~S230, S305~S330: Steps

The following detailed description will facilitate a better understanding of aspects of the disclosure when read in conjunction with the accompanying drawings. It should be noted that the various features in the drawings have not necessarily been drawn to scale, as required by practice in the drawings. In fact, the dimensions of the various features may be arbitrarily increased or decreased for clarity of discussion. Figure 1 shows a block diagram of a decentralized biometric payment system according to some embodiments of the present application. Figure 2 illustrates a flow chart of a payment method suitable for use in a decentralized biometric payment system according to some embodiments of the present application. FIG. 3 is a flowchart illustrating a method for binding biometric information according to some embodiments of the present application.

Domestic storage information (please note in the order of storage institution, date and number) none Foreign deposit information (please note in the order of deposit country, institution, date and number) none

100: Decentralized Biometric Payment System

110:Acquiring Server

120: Biometric Server

130:Accounting Server

140: Blockchain Server

200: Electronics

300: Acquiring device

310: Capture Module

320: Payment Confirmation Module

Claims (10)

A decentralized biometric payment system comprising: an acquiring server configured to receive an acquiring data and a biometric verification information, wherein the acquiring server is associated with an acquiring financial institution; a biometric server coupled to the acquiring server, wherein the biometric server is configured to verify a user identity of the acquiring data according to the biometric authentication information, and when the biometric server determines the When the user identity of the acquiring information matches the biometric verification information, determine whether a payment financial institution for payment bound to a payment account is the same as the acquiring financial institution; and a blockchain server, coupled to the biometric server, wherein when the biometric server determines that the acquiring financial institution is different from the payment financial institution, the blockchain server sends the payment to another financial institution of the payment institution. A blockchain server transmits a payment message to request payment of the acquiring data from the payment account. The decentralized biometric payment system according to claim 1, further comprising an accounting server coupled to the biometric server; When the biometric server determines that the acquiring financial institution is the same as the payment financial institution, the biometric server transmits the payment message to the billing server, and the billing server executes the processing of the payment of the billing information. debit. The decentralized biometric payment system of claim 1, wherein after the blockchain server transmits the payment message to the another blockchain server of the payment financial institution, the payment financial institution pays according to the payment The message executes the deduction of the payment of the acquiring data, and returns a debit completion message to the blockchain server. The decentralized biometric payment system of claim 1, wherein the acquiring server is communicatively coupled to an acquiring device, and the acquiring device comprises: a capture module for reading the biometric authentication information; and a payment confirmation module for generating the payment message of the acquiring data. The decentralized biometric payment system according to claim 4, wherein the acquiring device is installed in a store. The decentralized biometric payment system of claim 1, wherein the payment account includes a first account and a second account, when the biometric server determines the user identity and the biometric of the acquiring data When it is verified that the information matches, the payment is performed in at least one of the first account and the second account according to the payment of the acquiring information. The decentralized biometric payment system of claim 6, wherein the first account and the second account can be set with a debit order, and the payment order of the acquiring data is paid according to the debit order. The decentralized biometric payment system of claim 6, wherein when the balance of the first account is insufficient to pay the full payment of the acquiring data, the second account is debited for the remaining payment. The decentralized biometric payment system of claim 1, wherein the biometric server is communicatively coupled to an electronic device that transmits a biometric information associated with the user's identity and the payment account to the biometric Feature server. The decentralized biometric payment system of claim 2, wherein the biometric server is further configured to associate and bind the biometric information and the payment account.

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