WO2015158286A1 - Mobile terminal payment method based on fingerprint recognition - Google Patents

Mobile terminal payment method based on fingerprint recognition Download PDF

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Publication number
WO2015158286A1
WO2015158286A1 PCT/CN2015/076782 CN2015076782W WO2015158286A1 WO 2015158286 A1 WO2015158286 A1 WO 2015158286A1 CN 2015076782 W CN2015076782 W CN 2015076782W WO 2015158286 A1 WO2015158286 A1 WO 2015158286A1
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WO
WIPO (PCT)
Prior art keywords
payment
fingerprint
mobile terminal
user
information
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PCT/CN2015/076782
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French (fr)
Chinese (zh)
Inventor
邵宇
李刚
汪长洪
苏杰
Original Assignee
深圳市亚略特生物识别科技有限公司
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Application filed by 深圳市亚略特生物识别科技有限公司 filed Critical 深圳市亚略特生物识别科技有限公司
Publication of WO2015158286A1 publication Critical patent/WO2015158286A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device

Definitions

  • the present invention relates to the field of mobile payment, and in particular, to a payment method for a mobile terminal based on fingerprint recognition.
  • the technical problem to be solved by the present invention is to provide a payment method for a mobile terminal based on fingerprint identification, which solves the technical problem that the existing payment method is not high in security and the user experience is poor.
  • the present invention provides a payment method for a mobile terminal based on fingerprint identification, comprising the steps of: generating, by a merchant terminal, a two-dimensional code of payment information, the payment information including a transaction code, a payment account number, and a payment amount;
  • the mobile terminal opens and uses a fingerprint to log in to the payment client, and the payment client and the payment server verify the user fingerprint;
  • the payment client of the mobile terminal acquires the two-dimensional code and decodes the payment information;
  • the payment client of the mobile terminal extracts and stores
  • the fingerprint presets the associated payment account, generates payment request information, and sends the payment request information to the payment server, where the payment request information includes a transaction code, a payment account, a payment account, a payment amount, and a fingerprint of the user; and the payment server receives the payment request Pay after the information is verified and the user's fingerprint is verified.
  • the user fingerprint is verified to obtain the usage right.
  • the payment method further includes the step of the user performing fingerprint registration on the payment client of the mobile terminal: opening the payment client, connecting the payment server to apply for the user account, and collecting the fingerprint of the user to generate the fingerprint template as the login password; and the fingerprint of the user
  • the template is associated with a payment account.
  • the mobile terminal payment client acquires the two-dimensional code by image sensor scanning, NFC Transmission or wired wireless network transmission obtained.
  • the merchant terminal displays the payment information two-dimensional code on the display unit after generating the two-dimensional code of the payment information.
  • the mobile terminal comprises a sliding semiconductor fingerprint sensor or an optical fingerprint sensor.
  • the mobile terminal is a mobile phone, a tablet computer, a notebook or a POS machine.
  • the merchant terminal is a mobile phone, a tablet, a notebook, a POS machine, a merchant's transaction system or a transaction server.
  • the payment method further includes: the payment server transmitting payment success information to the payment client, where the successful payment information includes a transaction code, Payment account, payment account number, payment amount and payment time.
  • the successful payment information is in the form of a two-dimensional code.
  • the payment method of the mobile terminal based on the fingerprint identification provided by the present invention realizes that the mobile terminal quickly obtains the payment information by generating the two-dimensional code of the payment information, and logs the payment client and the payment server of the mobile terminal through the fingerprint verification, and extracts the associated payment account. And the fingerprint authentication is performed on the payment server, which improves the privacy of the user account information and the security of the electronic payment, and improves the user experience of the mobile payment.
  • FIG. 1 is a flowchart of a method for payment of a mobile terminal based on fingerprint identification according to an embodiment of the present invention
  • the present invention provides a payment method for a mobile terminal based on fingerprint recognition.
  • the present invention will be further described in detail below with reference to the accompanying drawings and embodiments.
  • the mobile terminal of the present invention may be any mobile electronic device with fingerprint recognition function, such as a mobile phone, a tablet computer, a notebook and a POS with a fingerprint sensor. Machine and so on.
  • the mobile terminal includes a sliding semiconductor fingerprint sensor or an optical fingerprint sensor disposed under the surface fingerprint collection window, and the fingerprint sensor is configured to collect a user fingerprint to implement a fingerprint recognition function.
  • FIG. 1 is a flowchart of a method for payment of a mobile terminal based on fingerprint identification according to an embodiment of the present invention, where the payment method includes the following steps:
  • the merchant terminal generates a two-dimensional code of the payment information, where the payment information includes a transaction code, a payment account number, and a payment amount.
  • the user terminal may be a POS at the time of on-the-spot transaction
  • the merchant terminal pre-binds the bank account or the fund account that the merchant collects, and can generate the transaction code and the payment amount according to the transaction order and the transaction type in the actual transaction process of the user and the merchant.
  • the transaction code is a unique code for the transaction, and the format can be set to 'business code + Trading time + random N digits', such as WT200404121220568550, for merchants and users to identify and confirm the transaction.
  • the random N The digits are randomly generated by the system, so each transaction uniquely corresponds to a transaction code.
  • the payment information includes a transaction code, a payment account number, and a payment amount. Of course, the order details and other transaction information may also be included for convenience of the inquiry.
  • the merchant terminal has a built-in two-dimensional code generating application or code, and the payment information can be merged to generate a two-dimensional code. It can be understood that, when the transaction is performed in the field, the two-dimensional code can be directly displayed on the display of the merchant terminal, so that the user can directly read the built-in information through the camera of the mobile phone.
  • S2 The user opens the mobile terminal and uses the fingerprint to log in to the payment client, and the payment client and the payment server verify the user fingerprint.
  • the payment client is an application built in the mobile terminal, and may be a mobile online banking client or an electronic transaction system client such as a mobile phone Alipay and WeChat payment. Since the payment client involves the security of the user's funds, it is set to verify the fingerprint to obtain the usage right when the user opens the payment client, similar to the function of the mobile phone program lock, and verify the user by verifying the user fingerprint. The legal identity greatly improves the security and privacy of the payment client, effectively avoiding the traditional lower security account. + Password 'Security' is a security risk.
  • the user when the payment client registers the fingerprint, the user first opens the payment client and registers with the payment server to obtain a user account through the network, collects a fingerprint of the user, generates a fingerprint template, and sets a fingerprint as a login payment server and a server. Determining a password of the payment client, associating with the user's payment account, the payment client storing the user's account, the payment account, and the fingerprint template information in the secure storage area of the mobile terminal, and the payment server receiving and storing the same User account information, payment account number and fingerprint template information corresponding to the user.
  • the user activates the payment client, the payment client operation interface prompts to input the user account and the registered fingerprint, and the user inputs his own user account and fingerprint according to the operation prompt, and the payment client extracts the user account.
  • the fingerprint template set at the time of registration is compared with the newly collected fingerprint, and if the verification is passed, the user authentication of the payment client is implemented.
  • the user account and the user fingerprint are transmitted to the payment server for verification and login, and the payment server extracts the user fingerprint template set by the user account and associates it with the new collection.
  • the user fingerprints are compared, and if the verification is passed, the user authentication of the payment server is implemented. In this way, fingerprint authentication is performed twice on the client side and the server side, thereby avoiding illegal login and operation of the user client by others, thereby improving the security of the electronic payment.
  • S3 The payment client of the mobile terminal acquires the two-dimensional code and decodes the payment information.
  • the payment client has a function of reading a two-dimensional code graphic and decoding its built-in information.
  • the user initiates the two-dimensional code scanning function on the operation interface of the payment client, and the mobile terminal turns on the mobile terminal camera to directly scan the payment displayed by the merchant terminal through the built-in image sensor.
  • Information QR code this method is very direct and convenient.
  • the acquiring, by the mobile terminal, the two-dimensional code by the payment client may be obtained by using another application built in the mobile terminal to start the image sensor to scan the two-dimensional code of the payment information displayed by the merchant terminal, or by using the Merchant terminal NFC transmission, wired and wireless network transmission acquisition.
  • the payment client of the mobile terminal extracts the payment account associated with the fingerprint preset, generates payment request information, and sends the payment request information to the payment server, where the payment request information includes a transaction code, a payment account, a payment account, a payment amount, and a user. fingerprint.
  • the payment client After the user logs in through the user's fingerprint, the payment client obtains the usage right, and extracts the login user account and the payment account associated with the fingerprint.
  • the user fingerprint authentication is passed, the user's payment account can be obtained, and the security and privacy of the user's payment information is improved.
  • the payment server receives the payment request information and verifies the fingerprint of the user, and then performs payment.
  • the payment server extracts the user fingerprint and compares it with the user fingerprint template associated with the registration of the payment account. If the user's fingerprint verification passes, the user's identity verification is confirmed and accepted. The payment request of the user, and then the payment request information sent by the user will be paid from the payment account of the user to the payment account, thereby implementing an electronic payment process.
  • the payment server may further include the following steps: the payment server sends the payment success information to the payment client.
  • the successful payment information includes a transaction code, a payment account number, a payment account number, a payment amount, and a payment time.
  • the information about the successful payment is sent to the payment client in the form of a two-dimensional code, so that the merchant can further confirm and quickly record the successful payment by scanning the two-dimensional code of the successful payment information by the merchant terminal. information.
  • the payment method of the mobile terminal based on fingerprint identification realizes that the mobile terminal quickly obtains the payment information by generating the two-dimensional code of the payment information, and logs in to the payment client and the payment server of the mobile terminal through fingerprint verification and extracts
  • the associated payment account and fingerprint authentication at the payment server improve the privacy of the user account information and the security of the electronic payment, and improve the user experience of the mobile payment.

Abstract

The present invention relates to a mobile terminal payment method based on fingerprint recognition, comprising: a merchant terminal generates a two-dimensional code of payment information, the payment information comprising a transaction code, a collection account number and payment amount; a user starts a payment client on a mobile terminal and logs in, and the payment client and a payment server authenticate the fingerprint of the user; the payment client of the mobile terminal obtains the two-dimensional code and decodes the two-dimensional code to obtain the payment information; the payment client of the mobile terminal extracts a payment account number associated with the fingerprint, generates payment request information and sends the payment request information to the payment server, the payment request information comprising the transaction code, the payment account number, the collection account number, the payment amount and the fingerprint of the user; the payment server receives the payment request information and pays after authenticating the fingerprint of the user. The present invention improves the privacy of user account information and security of electronic payment, and improves user experience of mobile payment.

Description

基于指纹识别的移动终端的支付方法  Payment method of mobile terminal based on fingerprint identification
技术领域 Technical field
本发明涉及移动支付领域，尤其涉及一种基于指纹识别的移动终端的支付方法。 The present invention relates to the field of mobile payment, and in particular, to a payment method for a mobile terminal based on fingerprint recognition.
背景技术 Background technique
随着移动互联网技术的高速发展，移动终端比如手机和平板电脑已经越来越多的被应用到来电子商务的支付。比如在网上购物进行付款时，商家会向用户的已绑定手机号码发送支付网页链接，用户通过手机登陆支付网页，用户输入已绑定账号对应的密码以及动态验证码，支付服务器验证庄户密码和验证码后进行支付。这种支付方式用户的账户密码信息的安全性不高，尤其在现场支付时用户的账户密码信息容易被他人偷看获取导致信息安全隐患，一旦用户的账户密码信息和手机被非法盗取，用户的财产安全将受到极大威胁。此外，在现场支付时，还需要手动输入用户绑定的手机号码和银行账号，支付操作比较繁琐和耗时，用户的现场支付体验不佳。 With the rapid development of mobile Internet technology, mobile terminals such as mobile phones and tablets have been increasingly used to pay for e-commerce. For example, when making a payment on the Internet, the merchant will send a payment webpage link to the user's bound mobile phone number, the user logs in to the payment webpage through the mobile phone, the user inputs the password corresponding to the bound account and the dynamic verification code, and the payment server verifies the user password and Pay after the verification code. The security of the user's account password information is not high in this payment method, especially when the user's account password information is easily sneaked by others to obtain information security risks, and the user's account password information and the mobile phone are illegally stolen, the user Property security will be greatly threatened. In addition, when paying in the field, it is also necessary to manually input the mobile phone number and bank account bound by the user. The payment operation is cumbersome and time consuming, and the user's on-site payment experience is not good.
发明内容 Summary of the invention
本发明所解决的技术问题是提供一种基于指纹识别的移动终端的支付方法，解决现有支付方法安全性不高和用户体验不佳的技术问题。 The technical problem to be solved by the present invention is to provide a payment method for a mobile terminal based on fingerprint identification, which solves the technical problem that the existing payment method is not high in security and the user experience is poor.
为解决上述技术问题，本发明提供一种基于指纹识别的移动终端的支付方法，包括步骤：商家终端生成支付信息的二维码，所述支付信息包括交易代码、收款账号和支付金额；用户在移动终端开启并用指纹登陆支付客户端，支付客户端和支付服务器验证用户指纹；移动终端的支付客户端获取所述二维码并解码得到所述支付信息；移动终端的支付客户端提取与所述指纹预设关联的支付账号，生成支付请求信息并向支付服务器发送，所述支付请求信息包括交易代码、支付账号、收款账号、支付金额和用户的指纹；以及所述支付服务器接收支付请求信息并验证用户指纹后进行支付。 To solve the above technical problem, the present invention provides a payment method for a mobile terminal based on fingerprint identification, comprising the steps of: generating, by a merchant terminal, a two-dimensional code of payment information, the payment information including a transaction code, a payment account number, and a payment amount; The mobile terminal opens and uses a fingerprint to log in to the payment client, and the payment client and the payment server verify the user fingerprint; the payment client of the mobile terminal acquires the two-dimensional code and decodes the payment information; and the payment client of the mobile terminal extracts and stores The fingerprint presets the associated payment account, generates payment request information, and sends the payment request information to the payment server, where the payment request information includes a transaction code, a payment account, a payment account, a payment amount, and a fingerprint of the user; and the payment server receives the payment request Pay after the information is verified and the user's fingerprint is verified.
优选的，所述支付客户端启动后要验证用户指纹才能获得使用权限。 Preferably, after the payment client starts, the user fingerprint is verified to obtain the usage right.
优选的，所述支付方法还包括用户在移动终端的支付客户端进行指纹注册的步骤：开启支付客户端，连接支付服务器申请用户账号，并采集用户指纹生成指纹模板作为登陆密码；将用户的指纹模板与支付账号进行关联。 Preferably, the payment method further includes the step of the user performing fingerprint registration on the payment client of the mobile terminal: opening the payment client, connecting the payment server to apply for the user account, and collecting the fingerprint of the user to generate the fingerprint template as the login password; and the fingerprint of the user The template is associated with a payment account.
优选的，所述移动终端支付客户端获取所述二维码是通过图像传感器扫描、 NFC 传输或有线无线网络传输获取的。 Preferably, the mobile terminal payment client acquires the two-dimensional code by image sensor scanning, NFC Transmission or wired wireless network transmission obtained.
优选的，所述商家终端在生成支付信息的二维码后在显示单元上显示所述支付信息二维码。 Preferably, the merchant terminal displays the payment information two-dimensional code on the display unit after generating the two-dimensional code of the payment information.
优选的，所述移动终端包括滑动式半导体指纹传感器或者光学指纹传感器。 Preferably, the mobile terminal comprises a sliding semiconductor fingerprint sensor or an optical fingerprint sensor.
优选的，所述移动终端为手机、平板电脑、笔记本或 POS 机。 Preferably, the mobile terminal is a mobile phone, a tablet computer, a notebook or a POS machine.
优选的，所述商户终端为手机、平板电脑、笔记本、 POS 机、商家的交易系统或交易服务器。 Preferably, the merchant terminal is a mobile phone, a tablet, a notebook, a POS machine, a merchant's transaction system or a transaction server.
优选的，在所述支付服务器接收支付请求信息并验证用户指纹后进行支付之后，所述支付方法还包括：所述支付服务器向支付客户端发送支付成功信息，所述成功支付信息包括交易代码、支付账号、收款账号、支付金额和支付时间。 Preferably, after the payment server receives the payment request information and verifies the user fingerprint, the payment method further includes: the payment server transmitting payment success information to the payment client, where the successful payment information includes a transaction code, Payment account, payment account number, payment amount and payment time.
优选的，所述成功支付信息为二维码形式。 Preferably, the successful payment information is in the form of a two-dimensional code.
本发明提供的基于指纹识别的移动终端的支付方法，通过生成支付信息二维码实现移动终端快捷地获取支付信息，通过指纹验证登陆移动终端的支付客户端和支付服务器并提取关联的支付账号，并在支付服务器进行指纹身份验证，提高了用户账户信息的隐私性和电子支付的安全性，并提升了移动支付的用户体验。 The payment method of the mobile terminal based on the fingerprint identification provided by the present invention realizes that the mobile terminal quickly obtains the payment information by generating the two-dimensional code of the payment information, and logs the payment client and the payment server of the mobile terminal through the fingerprint verification, and extracts the associated payment account. And the fingerprint authentication is performed on the payment server, which improves the privacy of the user account information and the security of the electronic payment, and improves the user experience of the mobile payment.
附图说明 DRAWINGS
图 1 为本发明实施例的基于指纹识别的移动终端的支付方法的流程图； FIG. 1 is a flowchart of a method for payment of a mobile terminal based on fingerprint identification according to an embodiment of the present invention; FIG.
具体实施方式 detailed description
本发明提供了一种基于指纹识别的移动终端的支付方法，为使本发明的目的、技术方案及效果更加清楚、明确，以下参照附图并举实例对本发明进一步详细说明。 The present invention provides a payment method for a mobile terminal based on fingerprint recognition. The present invention will be further described in detail below with reference to the accompanying drawings and embodiments.
本发明所述的移动终端可以为任何具有指纹识别功能的可移动使用的电子设备，比如具有指纹传感器的手机、平板电脑、笔记本和 POS 机等。所述移动终端包括设置在表面指纹采集窗口下的滑动式半导体指纹传感器或光学指纹传感器，所述指纹传感器用于采集用户指纹以实现指纹识别功能。 The mobile terminal of the present invention may be any mobile electronic device with fingerprint recognition function, such as a mobile phone, a tablet computer, a notebook and a POS with a fingerprint sensor. Machine and so on. The mobile terminal includes a sliding semiconductor fingerprint sensor or an optical fingerprint sensor disposed under the surface fingerprint collection window, and the fingerprint sensor is configured to collect a user fingerprint to implement a fingerprint recognition function.
图 1 为本发明实施例的基于指纹识别的移动终端的支付方法的流程图，所述支付方法包括步骤： FIG. 1 is a flowchart of a method for payment of a mobile terminal based on fingerprint identification according to an embodiment of the present invention, where the payment method includes the following steps:
S1 ：商家终端生成支付信息的二维码，所述支付信息包括交易代码、收款账号和支付金额。 S1: The merchant terminal generates a two-dimensional code of the payment information, where the payment information includes a transaction code, a payment account number, and a payment amount.
在进行交易时，所述用户终端可以是现场交易时的 POS 机、手机、平板电脑、电脑或商家进行商品交易结算的专用装置，也可以是网上交易时的商家交易结算系统或服务器。 When conducting a transaction, the user terminal may be a POS at the time of on-the-spot transaction A dedicated device for settlement of goods transactions by a mobile phone, a mobile phone, a tablet computer, a computer or a merchant, or a merchant transaction settlement system or server at the time of online transaction.
所述商家终端预先绑定商家收款的银行账号或资金账号，并可根据在用户和商家实际的交易过程的交易订单和交易类型生成交易代码和支付金额。所述交易代码为所述交易的唯一编码，格式可以设置为'商家代码 + 交易时间 + 随机 N 位数字'，比如 WT200404121220568550 ，便于商家和用户辨识和确认该交易。所述随机 N 位数字为系统随机生成的，所以每一个交易唯一对应一个交易代码。所述支付信息包括交易代码、收款账号和支付金额，当然为了方便查询还可以包括订单明细和其他交易信息。 The merchant terminal pre-binds the bank account or the fund account that the merchant collects, and can generate the transaction code and the payment amount according to the transaction order and the transaction type in the actual transaction process of the user and the merchant. The transaction code is a unique code for the transaction, and the format can be set to 'business code + Trading time + random N digits', such as WT200404121220568550, for merchants and users to identify and confirm the transaction. The random N The digits are randomly generated by the system, so each transaction uniquely corresponds to a transaction code. The payment information includes a transaction code, a payment account number, and a payment amount. Of course, the order details and other transaction information may also be included for convenience of the inquiry.
所述商家终端内置二维码生成应用或代码，可将所述支付信息汇合生成二维码。可以理解的是，在现场交易时，所述二维码可以直接显示在商家终端的显示器上，以便用户直接可以通过手机相机拍照读取内置信息。 The merchant terminal has a built-in two-dimensional code generating application or code, and the payment information can be merged to generate a two-dimensional code. It can be understood that, when the transaction is performed in the field, the two-dimensional code can be directly displayed on the display of the merchant terminal, so that the user can directly read the built-in information through the camera of the mobile phone.
S2 ：用户在移动终端开启并用指纹登陆支付客户端，支付客户端和支付服务器验证用户指纹。 S2: The user opens the mobile terminal and uses the fingerprint to log in to the payment client, and the payment client and the payment server verify the user fingerprint.
所述支付客户端为内置于所述移动终端的应用，可以是手机网上银行客户端或电子交易系统客户端如手机支付宝和微信支付等。由于所述支付客户端涉及用户的资金安全，所以其设置为在用户开启所述支付客户端时就需要验证指纹来获得其使用权限，类似于手机程序锁的功能，通过验证用户指纹来验证用户的合法身份极大地提高了所述支付客户端的安全性和隐私性，有效避免了传统较低安全性的'账号 + 密码'验证方式带来的安全隐患。 The payment client is an application built in the mobile terminal, and may be a mobile online banking client or an electronic transaction system client such as a mobile phone Alipay and WeChat payment. Since the payment client involves the security of the user's funds, it is set to verify the fingerprint to obtain the usage right when the user opens the payment client, similar to the function of the mobile phone program lock, and verify the user by verifying the user fingerprint. The legal identity greatly improves the security and privacy of the payment client, effectively avoiding the traditional lower security account. + Password 'Security' is a security risk.
具体的，所述支付客户端在指纹注册时，用户首先开启所述支付客户端并通过网络连接所述支付服务器注册获得用户账号，采集用户指纹生成指纹模板并设置以指纹作为登陆支付服务器和所述支付客户端的密码，关联设置用户的支付账号，所述支付客户端保存用户的账户、支付账号和指纹模板信息在所述移动终端的安全存储区内，同样所述支付服务器接收并存储所述用户对应的用户账户信息、支付账号和指纹模板信息。 Specifically, when the payment client registers the fingerprint, the user first opens the payment client and registers with the payment server to obtain a user account through the network, collects a fingerprint of the user, generates a fingerprint template, and sets a fingerprint as a login payment server and a server. Determining a password of the payment client, associating with the user's payment account, the payment client storing the user's account, the payment account, and the fingerprint template information in the secure storage area of the mobile terminal, and the payment server receiving and storing the same User account information, payment account number and fingerprint template information corresponding to the user.
在使用时，用户启动所述支付客户端，所述支付客户端操作界面提示输入用户账户和注册的指纹，用户按照操作提示输入自己的用户账号和指纹，所述支付客户端提取所述用户账号注册时设置的指纹模板与新采集的指纹进行比对，如果验证通过则实现所述支付客户端的用户身份验证。所述支付客户端用户身份验证通过后，进而将用户账号和用户指纹传送给所述支付服务器进行验证和登陆，所述支付服务器提取所述用户账号关联设置的用户指纹模板并将其与新采集的用户指纹进行比对，如果验证通过则实现所述支付服务器的用户身份验证。这样，在用户端和服务器端两次指纹身份验证，避免了他人非法登陆操作用户客户端，提高了电子支付的安全性。 In use, the user activates the payment client, the payment client operation interface prompts to input the user account and the registered fingerprint, and the user inputs his own user account and fingerprint according to the operation prompt, and the payment client extracts the user account. The fingerprint template set at the time of registration is compared with the newly collected fingerprint, and if the verification is passed, the user authentication of the payment client is implemented. After the payment client user authentication is passed, the user account and the user fingerprint are transmitted to the payment server for verification and login, and the payment server extracts the user fingerprint template set by the user account and associates it with the new collection. The user fingerprints are compared, and if the verification is passed, the user authentication of the payment server is implemented. In this way, fingerprint authentication is performed twice on the client side and the server side, thereby avoiding illegal login and operation of the user client by others, thereby improving the security of the electronic payment.
S3 ：移动终端的支付客户端获取所述二维码并解码得到所述支付信息。 S3: The payment client of the mobile terminal acquires the two-dimensional code and decodes the payment information.
其中，所述支付客户端具有读取二维码图形并解码出其内置信息的功能。在现场支付或网上支付模式下，用户在所述支付客户端的操作界面触控操作启动二维码扫描功能，则所述移动终端开启移动终端相机通过内置的图像传感器直接扫描获取商家终端显示的支付信息二维码，这种方式非常直接和方便快捷。 The payment client has a function of reading a two-dimensional code graphic and decoding its built-in information. In the on-site payment or online payment mode, the user initiates the two-dimensional code scanning function on the operation interface of the payment client, and the mobile terminal turns on the mobile terminal camera to directly scan the payment displayed by the merchant terminal through the built-in image sensor. Information QR code, this method is very direct and convenient.
可以理解的是，所述移动终端支付客户端获取所述二维码还可以是通过移动终端内置的其他应用启动图像传感器扫描所述商家终端显示的支付信息二维码获取的，或通过所述商家终端 NFC 传输、有线无线网络传输获取。 It can be understood that the acquiring, by the mobile terminal, the two-dimensional code by the payment client may be obtained by using another application built in the mobile terminal to start the image sensor to scan the two-dimensional code of the payment information displayed by the merchant terminal, or by using the Merchant terminal NFC transmission, wired and wireless network transmission acquisition.
S4 ：移动终端的支付客户端提取与所述指纹预设关联的支付账号，生成支付请求信息并向支付服务器发送，所述支付请求信息包括交易代码、支付账号、收款账号、支付金额和用户的指纹。 S4 The payment client of the mobile terminal extracts the payment account associated with the fingerprint preset, generates payment request information, and sends the payment request information to the payment server, where the payment request information includes a transaction code, a payment account, a payment account, a payment amount, and a user. fingerprint.
所述支付客户端在通过用户指纹登陆后，获得其使用权限，提取登陆用户账号和指纹关联的支付账号。这里，只有用户指纹身份验证通过，才能获得用户的支付账号，提高了用户支付信息的安全性和隐私性。 After the user logs in through the user's fingerprint, the payment client obtains the usage right, and extracts the login user account and the payment account associated with the fingerprint. Here, only the user fingerprint authentication is passed, the user's payment account can be obtained, and the security and privacy of the user's payment information is improved.
S5 ：所述支付服务器接收支付请求信息并验证用户指纹后进行支付。 S5: The payment server receives the payment request information and verifies the fingerprint of the user, and then performs payment.
具体的，所述支付服务器接收支付请求信息后，提取用户指纹将其与所述支付账号注册时关联的用户指纹模板进行比对，如用户的指纹验证通过，则确认用户的身份验证通过并接受用户的支付请求，进而按照用户发送的支付请求信息将从用户的支付账号中支付预定支付金额到所述收款账号中，从而实现电子支付流程。 Specifically, after receiving the payment request information, the payment server extracts the user fingerprint and compares it with the user fingerprint template associated with the registration of the payment account. If the user's fingerprint verification passes, the user's identity verification is confirmed and accepted. The payment request of the user, and then the payment request information sent by the user will be paid from the payment account of the user to the payment account, thereby implementing an electronic payment process.
优选的，为了便于用户和商户尽快确认成功支付的信息，在所述支付服务器接收支付请求信息并验证用户指纹后进行支付之后，还可包括步骤：所述支付服务器向支付客户端发送支付成功信息，所述成功支付信息包括交易代码、支付账号、收款账号、支付金额和支付时间。 Preferably, in order to facilitate the user and the merchant to confirm the information of the successful payment as soon as possible, after the payment server receives the payment request information and verifies the fingerprint of the user, the payment server may further include the following steps: the payment server sends the payment success information to the payment client. The successful payment information includes a transaction code, a payment account number, a payment account number, a payment amount, and a payment time.
进一步的，所述成功支付的信息为二维码的形式发送给所述支付客户端，这样商户可以通过商户终端扫描所述成功支付信息的二维码进一步确认和快速记录所述成功支付的相关信息。 Further, the information about the successful payment is sent to the payment client in the form of a two-dimensional code, so that the merchant can further confirm and quickly record the successful payment by scanning the two-dimensional code of the successful payment information by the merchant terminal. information.
综上所述，本发明提供的基于指纹识别的移动终端的支付方法，通过生成支付信息二维码实现移动终端快捷地获取支付信息，通过指纹验证登陆移动终端的支付客户端和支付服务器并提取关联的支付账号，并在支付服务器进行指纹身份验证，提高了用户账户信息的隐私性和电子支付的安全性，并提升了移动支付的用户体验。 In summary, the payment method of the mobile terminal based on fingerprint identification provided by the present invention realizes that the mobile terminal quickly obtains the payment information by generating the two-dimensional code of the payment information, and logs in to the payment client and the payment server of the mobile terminal through fingerprint verification and extracts The associated payment account and fingerprint authentication at the payment server improve the privacy of the user account information and the security of the electronic payment, and improve the user experience of the mobile payment.
可以理解的是，对本领域普通技术人员来说，可以根据本发明的技术方案及其发明构思加以等同替换或改变，而所有这些改变或替换都应属于本发明所附的权利要求的保护范围。 It is to be understood that those skilled in the art can make equivalent substitutions or changes to the inventions and the inventions of the present invention, and all such changes or substitutions fall within the scope of the appended claims.

Claims (10)

  1. 一种 基于指纹识别的移动终端的支付方法，其特征在于，包括步骤： A payment method for a mobile terminal based on fingerprint identification, characterized in that it comprises the steps of:
    商家终端生成支付信息的二维码，所述支付信息包括交易代码、收款账号和支付金额；The merchant terminal generates a two-dimensional code of the payment information, where the payment information includes a transaction code, a payment account number, and a payment amount;
    用户在移动终端开启并用指纹登陆支付客户端，支付客户端和支付服务器验证用户指纹；The user opens the mobile terminal and uses the fingerprint to log in to the payment client, and the payment client and the payment server verify the user fingerprint;
    移动终端的支付客户端获取所述二维码并解码得到所述支付信息；The payment client of the mobile terminal acquires the two-dimensional code and decodes the payment information;
    移动终端的支付客户端提取与所述指纹预设关联的支付账号，生成支付请求信息并向支付服务器发送，所述支付请求信息包括交易代码、支付账号、收款账号、支付金额和用户的指纹；以及The payment client of the mobile terminal extracts the payment account associated with the fingerprint preset, generates payment request information, and sends the payment request information to the payment server, where the payment request information includes a transaction code, a payment account, a payment account, a payment amount, and a fingerprint of the user. ;as well as
    所述支付服务器接收支付请求信息并验证用户指纹后进行支付。The payment server receives the payment request information and verifies the user's fingerprint and then performs the payment.
  2. 如权利要求 1 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述支付客户端启动后要验证用户指纹才能获得使用权限。Claims 1 The payment method of the mobile terminal based on the fingerprint identification is characterized in that, after the payment client starts, the user fingerprint is verified to obtain the usage right.
  3. 如权利要求 1 或 2 所述的基于指纹识别的移动终端的支付方法，其特征在于，还包括用户在移动终端的支付客户端进行指纹注册的步骤： 开启支付客户端，连接支付服务器申请用户账号，并采集用户指纹生成指纹模板作为登陆密码； 将用户的指纹模板与支付账号进行关联。According to claim 1 or 2 The payment method of the fingerprint identification-based mobile terminal is characterized in that the method further includes the step of the user performing fingerprint registration on the payment client of the mobile terminal: The payment client is opened, the payment server is connected to apply for a user account, and the fingerprint of the user is generated to generate a fingerprint template as a login password; the fingerprint template of the user is associated with the payment account.
  4. 如权利要求 1 或 2 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述移动终端支付客户端获取所述二维码是通过图像传感器扫描、 NFC 传输或有线无线网络传输获取的。 According to claim 1 or 2 The method for payment of a mobile terminal based on fingerprint identification is characterized in that the mobile terminal payment client acquires the two-dimensional code through image sensor scanning, NFC Transmission or wired wireless network transmission obtained.
  5. 如权利要求 1 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述商家终端在生成支付信息的二维码后在显示单元上显示所述支付信息二维码。Claims 1 The payment method of the mobile terminal based on the fingerprint identification is characterized in that the merchant terminal displays the two-dimensional code of the payment information on the display unit after generating the two-dimensional code of the payment information.
  6. 如权利要求 1 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述移动终端包括滑动式半导体指纹传感器或者光学指纹传感器。 Claims 1 The payment method of the fingerprint identification-based mobile terminal is characterized in that the mobile terminal comprises a sliding semiconductor fingerprint sensor or an optical fingerprint sensor.
  7. 如权利要求 1 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述移动终端为手机、平板电脑、笔记本或 POS 机。The method for payment of a fingerprint identification based mobile terminal according to claim 1, wherein the mobile terminal is a mobile phone, a tablet, a notebook or a POS Machine.
  8. 如权利要求 1 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述商户终端为手机、平板电脑、笔记本、 POS 机、商家的交易系统或交易服务器。 The method for payment of a fingerprint identification-based mobile terminal according to claim 1, wherein the merchant terminal is a mobile phone, a tablet, a notebook, or a POS Machine, merchant's trading system or trading server.
  9. 如权利要求 1 所述的基于指纹识别的移动终端的支付方法，其特征在于，在所述支付服务器接收支付请求信息并验证用户指纹后进行支付之后，还包括：所述支付服务器向支付客户端发送支付成功信息，所述成功支付信息包括交易代码、支付账号、收款账号、支付金额和支付时间。Claims 1 The payment method of the mobile terminal based on the fingerprint identification is characterized in that after the payment server receives the payment request information and verifies the user fingerprint, the payment server further includes: the payment server sends the payment success information to the payment client. The successful payment information includes a transaction code, a payment account number, a payment account number, a payment amount, and a payment time.
  10. 如权利要求 9 所述的基于指纹识别的移动终端的支付方法，其特征在于，所述成功支付信息为二维码形式。 Claims 9 The payment method of the mobile terminal based on fingerprint identification is characterized in that the successful payment information is in the form of a two-dimensional code.
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