WO2016123767A1 - 基于3d全息投影进行身份认证的支付方法及系统 - Google Patents
基于3d全息投影进行身份认证的支付方法及系统 Download PDFInfo
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- WO2016123767A1 WO2016123767A1 PCT/CN2015/072261 CN2015072261W WO2016123767A1 WO 2016123767 A1 WO2016123767 A1 WO 2016123767A1 CN 2015072261 W CN2015072261 W CN 2015072261W WO 2016123767 A1 WO2016123767 A1 WO 2016123767A1
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- consumer
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- pos machine
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Definitions
- the present invention relates to the field of mobile payment, and in particular, to a payment method and system for identity authentication based on 3D holographic projection.
- Swipe is one of the most common methods of payment and membership management.
- POS machines read consumer information as transaction credentials when consumers swipe their cards. Consumers must provide correct authentication information (such as passwords) to ensure the completion of the transaction. Consumer identity verification is the most important technical link, and its security and reliability are the key to credit card payment and membership management.
- the consumer's identity verification process is cumbersome and the consumer experience is poor. It is impossible to accurately verify the authenticity of the consumer's identity. Once the card is lost or the consumer information is stolen, it is easy to cause the consumer's economic loss;
- the technical problem to be solved by the present invention is to provide a payment method and system for identity authentication based on 3D holographic projection, which can accurately verify the identity of the consumer.
- the present invention is implemented as follows:
- a payment method based on 3D holographic projection for identity authentication comprising the following steps:
- the POS machine reads the identification code of the consumer payment card, and generates a payment order in combination with the consumer content of the consumer, and simultaneously sends the payment order to the payment server; the POS machine is provided with a 3D holographic projection module; the payment The server prestores a payment card identification code and a consumer account, a consumer mobile phone number, a consumer fingerprint data, and a consumer 3D holographic image bound to the payment card identification code;
- the payment server sends the payment order to a mobile phone bound to the identification code of the consumer payment card to wait for the consumer to review, and receives the order confirmation information sent by the consumer through the mobile phone after the consumer passes the review;
- the POS machine reads the fingerprint input after the consumer passes the verification, and sends the read fingerprint data to the payment server;
- the payment server After receiving the order confirmation information, the payment server verifies whether the fingerprint data read by the POS machine matches the fingerprint data bound by the identification code of the consumer payment card, and after the fingerprint verification passes, the POS machine is sent to the POS machine. Transmitting a consumer 3D holographic image bound to an identification code of the consumer payment card;
- the POS machine projects a consumer 3D holographic image bound to the identification code of the consumer payment card by the 3D holographic projection module for the merchant to review the identity of the current consumer;
- the payment server After receiving the payment command input by the merchant indicating that the consumer identity is approved, the payment server debits the account bound to the identification code of the consumer payment card according to the payment order.
- the POS machine is further provided with a recording module; the payment server further pre-stores consumer voice data, and the voice data of the consumer is bound to the identification code of the consumer payment card; the payment method further includes the following steps :
- the POS machine collects the voice of the consumer through the recording module, and sends the collected sound data to the payment server;
- the payment server verifies whether the sound data of the sound data and the identification code of the consumer payment card are matched, and returns a matching result to the POS machine for the merchant to review the identity of the current consumer.
- the payment server further pre-stores a customer record photo; the customer's record photo is bound to the identification card of the consumer payment card; and the payment method further includes the following steps:
- the payment server sends a consumer record photo bound to the identification code of the consumer payment card to the POS machine for the merchant to review the identity of the current consumer.
- the POS machine is further provided with a camera; the payment method further includes the following steps:
- the POS machine takes a photo of the payment site through the camera, and sends the photographed photo to the payment server for archiving.
- the POS machine also records the payment site through the recording module, and sends the recording to the payment server for archiving.
- a payment system based on 3D holographic projection for identity authentication comprising:
- a POS machine configured to read an identification code of the consumer payment card, and generate a payment order in combination with the consumer content of the consumer;
- the POS machine is provided with a 3D holographic projection module;
- a payment server pre-stored with a payment card identification code and a consumer account, a consumer mobile phone number, a consumer fingerprint data, and a consumer 3D holographic image bound to the payment card identification code;
- the payment server is configured to receive the payment order, and send the payment order to a mobile phone bound to an identification code of the consumer payment card to wait for a consumer to review, and receive the consumer after the consumer passes the approval Order confirmation information sent via its mobile phone;
- the POS machine is further configured to read a fingerprint input after the consumer passes the audit, and send the read fingerprint data to the payment server;
- the payment server is further configured to: after receiving the order confirmation information, verify whether the fingerprint data read by the POS machine and the fingerprint data bound by the identifier of the consumer payment card match, and after the fingerprint verification is passed, The POS machine transmits a consumer 3D holographic image bound to an identification code of the consumer payment card;
- the POS machine is further configured to project, by the 3D holographic projection module, a consumer 3D holographic image bound to an identifier of the consumer payment card, for the merchant to review the identity of the current consumer;
- the payment server is further configured to debit the account bound to the identification code of the consumer payment card according to the payment order after receiving the payment command indicating the approval of the consumer identity input by the merchant.
- the POS machine is further provided with a recording module; the payment server further pre-stores consumer voice data, and the voice data of the consumer is bound to the identification code of the consumer payment card;
- the POS machine is further configured to collect a voice of a consumer through the recording module, and send the collected sound data to the payment server;
- the payment server is further configured to verify whether the sound data of the sound data and the identification code of the consumer payment card are matched, and return a matching result to the POS machine for the merchant to review the identity of the current consumer.
- the payment server further pre-stores a consumer record photo; the customer's record photo is bound to the consumer payment card's identification code; and the payment server sends the consumer payment card to the POS machine.
- the POS machine is further provided with a camera; the POS machine is further configured to take a photo of the payment site through the camera, and send the photographed photo to the payment server for archiving.
- the POS machine also records the payment site through the recording module, and sends the recording to the payment server for archiving.
- the present invention uses a POS machine with a 3D holographic projection module to read the identification code of the consumer payment card, and generates an electronic form of payment order in combination with the consumer's consumption content and sends the payment order to
- the payment server sends the payment order to the consumer mobile phone for verification.
- the order confirmation information is sent to the payment server, and the fingerprint is input to the POS machine, and the POS machine sends the read fingerprint data to the payment server.
- the payment server also needs to verify the fingerprint input by the consumer.
- the payment server returns a consumer 3D holographic image bound to the consumer payment card identification code to the POS machine, and the POS machine projects the POS machine.
- the 3D holographic image is used by the merchant to review the identity of the consumer, and after the review is passed, the payment server performs the debit operation on the account bound to the consumer payment card.
- the invention greatly enhances payment security through multi-level auditing.
- FIG. 1 is a schematic diagram of a composition of a payment system for identity authentication based on 3D holographic projection
- FIG. 2 is a schematic flow chart of a payment method for identity authentication based on 3D holographic projection according to the present invention.
- the present invention provides a payment system for identity authentication based on 3D holographic projection, which system includes a POS machine 1 and a payment server 2 connected to each other, and the payment server 2 can simultaneously connect a plurality of POS machines 1.
- the data transmission between the POS machine 1 and the payment server 2 is encrypted to ensure secure transmission of data.
- the POS machine 1 is configured to read the identification code of the consumer payment card, and generate a payment order including the identification code of the consumer payment card and the consumption content in combination with the consumer content of the consumer, and simultaneously send the payment order to the payment server 2.
- the payment card may be a card integrated with an RFID electronic tag or an NFC tag. Accordingly, the POS machine 1 needs to set an RFID read/write module or an NFC read/write module to read the payment card, and the card is used by the consumer. Make a payment.
- the payment card stores an identification code of the payment card, and the identification code can be read by the POS machine 1 for identifying the payment card.
- the consumer presents the payment card, and the merchant POS machine 1 reads and recognizes the payment card, thereby obtaining the identification code of the payment card, and then generating a payment order in combination with the current consumption content of the consumer.
- the payment order is equivalent to a computer ticket issued by the cashier at the time of shopping mall consumption. Unlike the computer ticket, the payment order is in the form of electronic data, which includes the identification code of the consumer payment card and the consumption content. Information, the payment order will not be printed out in paper form for review by the consumer, but sent to the payment server 2.
- the payment server 2 prestores information such as a payment card identification code, a consumer account number, a consumer mobile phone number, a consumer fingerprint data, a consumer 3D holographic image, a consumer account number, a mobile phone number, fingerprint data, and a 3D hologram image with the consumer.
- the identification card of the payment card is bound.
- the payment server 2 After receiving the payment order sent by the POS machine 1, the payment server 2 sends the payment order to the mobile phone bound to the identification code of the consumer payment card to wait for the consumer to review.
- the payment server 2 can send the payment order to the mobile phone in two ways, one way is sent to the mobile phone by means of short message, and the other way is to install the corresponding APP on the mobile phone, and the payment server 2 pays through the mobile internet.
- the order is sent to the app on the phone.
- the order confirmation information can be sent to the payment server 2 by replying to the short message or confirming the payment order on the mobile APP, and the consumer also needs to input the fingerprint.
- the POS machine 1 reads the fingerprint input by the consumer and transmits the read fingerprint data to the payment server 2.
- the payment server 2 After receiving the order confirmation information, the payment server 2 also needs to verify whether the fingerprint data read by the POS machine 1 and the fingerprint data of the consumer payment card are matched, which is equivalent to allowing the consumer to perform two confirmations, that is, the mobile phone.
- Confirmation and input fingerprint confirmation only after the consumer performs the mobile phone confirmation and input fingerprint confirmation, the subsequent payment steps can be continued, which improves the security of payment.
- the merchant can perform a chargeback operation on the account bound to the identification code of the consumer payment card, thereby completing the payment. process.
- the system has joined the consumer 3D holographic image verification link.
- the payment server 2 sends the consumer 3D holographic image bound to the identification code of the consumer payment card to the POS machine 1.
- the POS machine 1 projects the 3D holographic image of the consumer through the 3D holographic projection module for the merchant to review the identity of the current consumer.
- the merchant inputs a payment command to the payment server 2, and the payment server 2 receives the payment.
- the account bound to the identifier of the consumer payment card is debited according to the payment order, thereby completing the payment.
- the system also provides two other ways to authenticate consumers: voice recognition and photo recognition.
- voice recognition When the merchant conducts the identity verification of the consumer through the 3D holographic projection method, the user can also assist in the identity verification of the consumer by means of voice recognition or photo recognition, thereby further improving the payment security.
- the consumer voice data is pre-stored in the payment server 2, and the voice data of the consumer is bound to the identification code of the consumer payment card, and the recording module is also set on the POS machine 1.
- the POS machine 1 collects the voice of the consumer through the recording module, and transmits the collected sound data to the payment server 2, and the payment server 2 verifies whether the sound data bound to the identification code of the consumer payment card matches the sound data, and goes to the POS machine. 1 returns the matching result, the merchant reviews the identity of the current consumer based on the matching result.
- the payment server 2 also pre-stores a consumer record photo, and the consumer's record photo is bound to the identification card of the consumer payment card.
- the payment server 2 transmits to the POS machine 1 a consumer record photo bound to the identification code of the consumer payment card, and the merchant reviews the identity of the current consumer based on the consumer record photo.
- the system also provides the function of archiving the payment site at the time of payment, and can record the on-site situation record of the payment, so as to trace the subsequent payment problems.
- the on-site filing of the payment specifically includes sound archiving and image archiving.
- the POS machine 1 records the payment site through the recording module and sends the recording to the payment server 2 for archiving.
- the recording should include the consumer's voice and background sound.
- Image archiving The POS machine 1 takes a photo of the paying scene through the camera and sends the photographed photo to the payment server 2 for archiving.
- the photos taken should include the consumer's photo and background photo.
- audio and video should also include consumer and on-site background.
- the payment card can be affixed to the consumer's mobile phone for the convenience of the consumer, and the payment card can be a prepaid card or a membership card.
- the payment server 2 establishes an account according to the identification code of the payment card and other material information (such as the name of the consumer, the country region, etc.), and if the payment card is a prepaid card or a membership card, the payment server 2 can directly access the corresponding account. For the deduction, the consumer's fingerprint is the payment password.
- Prepaid cards and membership cards can be produced according to uniform industry standards, and different merchants can use each other. Consumers or members can manage their own consumption records. Cardholders and members can also interact with each other. This prepaid card or membership card application can be used. It has high security on the payment system of the present invention.
- the consumer can input the payment card identification code, name, ID card number, bank card number, reserved telephone number and related information through the mobile phone of the installed App, and input the consumer fingerprint through the POS machine 1 to bind the bank card and bind the certificate.
- the bank card information and consumer personal information will be encrypted and stored in the payment system 2.
- the POS machine 1 sends the read payment card identification code, the consumer fingerprint and related transaction data to the payment system 2 for consumer identity review and verification, and the personal and bank information of the consumer after the approval and The transaction data is sent to the banking system together.
- the banking system matches the received information with the pre-stored information of the consumer, and if the match is successful, the corresponding amount is deducted from the consumer's bank account.
- FIG. 2 shows a flow of a payment method for identity authentication based on 3D holographic projection according to the present invention, comprising the following steps:
- the POS machine reads the identification code of the consumer payment card, and generates a payment order including the identification code of the consumer payment card and the consumption content in combination with the consumer content of the consumer, and simultaneously sends the payment order to the payment server;
- the POS machine is provided with 3D holographic projection module;
- payment server pre-stored payment card identification code, consumer account number, consumer mobile phone number, consumer fingerprint data, consumer 3D holographic image; consumer account number, mobile phone number, fingerprint data and 3D holographic image and The identification code of the consumer payment card is bound;
- the payment server sends the payment order to the mobile phone bound to the identification code of the consumer payment card, and waits for the consumer to review. After the consumer passes the verification, the customer sends the order confirmation information to the payment server through the mobile phone, and simultaneously inputs the fingerprint to the POS machine;
- the POS machine reads the fingerprint input after the consumer passes the verification, and sends the read fingerprint data to the payment server;
- the payment server After receiving the order confirmation information, the payment server verifies whether the fingerprint data read by the POS machine matches the fingerprint data bound by the identification code of the consumer payment card, and sends the identification of the consumer payment card to the POS machine after the fingerprint verification is passed.
- Code-bound consumer 3D holographic image
- the POS machine projects a consumer 3D holographic image bound with the identification code of the consumer payment card by the 3D holographic projection module for the merchant to review the identity of the current consumer; after the consumer identity is approved, the merchant inputs a payment command to the payment server;
- the payment server After receiving the payment command, the payment server debits the account bound to the identification code of the consumer payment card according to the payment order.
- a recording module can also be set on the POS machine, and the payment server can pre-store the consumer voice data and bind the voice data of the consumer to the identification code of the consumer payment card.
- the payment method may further comprise the following steps:
- the POS machine collects the voice of the consumer through the recording module, and sends the collected sound data to the payment server; the payment server verifies whether the sound data matched with the identification code of the consumer payment card matches, and returns the matching result to the POS machine.
- the merchant also reviews the identity of the current consumer based on the matching results.
- the payment server can also pre-store the consumer's record photo and bind the consumer's record photo to the consumer payment card's identification code.
- the payment method may further comprise the following steps:
- the payment server sends a photo of the consumer record bound to the identification code of the consumer payment card to the POS machine, and the merchant also reviews the identity of the current consumer according to the consumer record photo.
- the camera can also be set on the POS machine. Accordingly, the payment method can further include the following steps:
- the POS camera takes a photo of the payment site through the camera and sends the captured photo to the payment server for archiving.
- the POS machine can also record the payment site through the recording module and send the recording to the payment server for archiving.
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Abstract
基于3D全息投影进行身份认证的支付方法、利用带有3D全息投影模块的POS机（1）读取消费者支付卡的识别码，并结合消费内容生成了电子形式的支付订单并将订单发送到支付服务器（2），支付服务器（2）将订单发送到消费者手机上进行验证，消费者验证通过后发送订单确认信息到支付服务器，同时输入指纹到POS机（1），POS机（1）将读取的指纹数据发送到支付服务器（2），支付服务器（2）接收到订单确认信息后还需对消费者的指纹进行验证，指纹验证通过后支付服务器向POS机（1）返回与该消费者支付卡识别码绑定的消费者3D全息图像，POS机（1）投影出该3D全息图像供商家对消费者身份进行审核，审核通过后支付服务器（2）才对与消费者支付卡绑定的账号进行扣款。通过多级审核，大大增强了支付安全性。
Description
本发明涉及移动支付领域，尤其涉及一种基于3D全息投影进行身份认证的支付方法及系统。
刷卡是支付和会员管理最常见的方法之一，POS机在消费者刷卡时读取消费者信息作为交易凭证，消费者必须提供正确的身份验证信息（如密码）才能确保交易的完成。消费者身份验证是最重要的技术环节，其安全性和可靠性是刷卡支付和会员管理的关键。
目前正在广泛应用的面对面POS机刷卡支付和会员管理方法和系统存在着以下缺陷：
1、消费者的身份验证过程繁琐、消费者体验差，无法准确验证消费者身份的真实性，一旦卡丢失或消费者信息被盗用，容易造成消费者的经济损失；
2、如果携带多张卡，容易造成卡的遗失；
3、不是绿色低碳产品并且纸质交易记录容易丢失，消费者无法有对所有刷卡的交易进行有效的电子数据化管理；
4、消费者的场景交易信息难以记录，无法追踪交易详情。
本发明所要解决的技术问题是，提供一种基于3D全息投影进行身份认证的支付方法及系统，实现对消费者身份的准确验证。
本发明是这样实现的：
一种基于3D全息投影进行身份认证的支付方法，包括如下步骤：
POS机读取消费者支付卡的识别码，并结合该消费者的消费内容生成支付订单，同时，将所述支付订单发送到支付服务器；所述POS机上设置有3D全息投影模块；所述支付服务器预存有支付卡识别码以及与所述支付卡识别码绑定的消费者账号、消费者手机号码、消费者指纹数据、消费者3D全息图像；
所述支付服务器将所述支付订单发送到与所述消费者支付卡的识别码绑定的手机以等待消费者审核，并在消费者审核通过后接收消费者通过其手机发送的订单确认信息；
POS机读取消费者审核通过后输入的指纹，并将读取的指纹数据发送到所述支付服务器；
所述支付服务器接收到所述订单确认信息后，验证POS机读取的指纹数据与所述消费者支付卡的识别码绑定的指纹数据是否匹配，并在指纹验证通过后向所述POS机发送与所述消费者支付卡的识别码绑定的消费者3D全息图像；
所述POS机通过所述3D全息投影模块投影出与所述消费者支付卡的识别码绑定的消费者3D全息图像，以供商家审核当前消费者的身份；
所述支付服务器接收到商家输入的表示消费者身份审核通过的支付命令后，根据所述支付订单对与所述消费者支付卡的识别码绑定的账号进行扣款。
进一步地，所述POS机上还设置有录音模块；所述支付服务器还预存有消费者声音数据，消费者的声音数据与该消费者支付卡的识别码绑定；所述支付方法还包括如下步骤：
所述POS机通过所述录音模块采集消费者的声音，并将采集的声音数据发送到所述支付服务器；
所述支付服务器验证所述声音数据与所述消费者支付卡的识别码绑定的声音数据是否匹配，并向所述POS机返回匹配结果，以供商家审核当前消费者的身份。
进一步地，所述支付服务器还预存有消费者备案照片；消费者的备案照片与该消费者支付卡的识别码绑定；所述支付方法还包括如下步骤：
所述支付服务器向所述POS机发送与所述消费者支付卡的识别码绑定的消费者备案照片，以供商家审核当前消费者的身份。
进一步地，所述POS机上还设置有摄像头；所述支付方法还包括如下步骤：
所述POS机通过所述摄像头对支付现场进行拍照，并将拍摄的照片发送到所述支付服务器存档。
进一步地，所述POS机还通过所述录音模块对支付现场进行录音，并将录音发送到所述支付服务器存档。
一种基于3D全息投影进行身份认证的支付系统，包括：
POS机，用于读取消费者支付卡的识别码，并结合该消费者的消费内容生成支付订单；所述POS机上设置有3D全息投影模块；
支付服务器，其预存有支付卡识别码以及与所述支付卡识别码绑定的消费者账号、消费者手机号码、消费者指纹数据、消费者3D全息图像；
所述支付服务器用于接收所述支付订单，并将所述支付订单发送到与所述消费者支付卡的识别码绑定的手机以等待消费者审核，并在消费者审核通过后接收消费者通过其手机发送的订单确认信息；
所述POS机还用于读取消费者审核通过后输入的指纹，并将读取的指纹数据发送到所述支付服务器；
所述支付服务器还用于在接收到所述订单确认信息后，验证POS机读取的指纹数据与所述消费者支付卡的识别码绑定的指纹数据是否匹配，并在指纹验证通过后向所述POS机发送与所述消费者支付卡的识别码绑定的消费者3D全息图像；
所述POS机还用于通过所述3D全息投影模块投影出与所述消费者支付卡的识别码绑定的消费者3D全息图像，以供商家审核当前消费者的身份；
所述支付服务器还用于在接收到商家输入的表示消费者身份审核通过的支付命令后，根据所述支付订单对与所述消费者支付卡的识别码绑定的账号进行扣款。
进一步地，所述POS机上还设置有录音模块；所述支付服务器还预存有消费者声音数据，消费者的声音数据与该消费者支付卡的识别码绑定；
所述POS机还用于通过所述录音模块采集消费者的声音，并将采集的声音数据发送到所述支付服务器；
所述支付服务器还用于验证所述声音数据与所述消费者支付卡的识别码绑定的声音数据是否匹配，并向所述POS机返回匹配结果，以供商家审核当前消费者的身份。
进一步地，所述支付服务器还预存有消费者备案照片；消费者的备案照片与该消费者支付卡的识别码绑定；所述支付服务器向所述POS机发送与所述消费者支付卡的识别码绑定的消费者备案照片，以供商家审核当前消费者的身份。
进一步地，所述POS机上还设置有摄像头；所述POS机还用于通过所述摄像头对支付现场进行拍照，并将拍摄的照片发送到所述支付服务器存档。
进一步地，所述POS机还通过所述录音模块对支付现场进行录音，并将录音发送到所述支付服务器存档。
与现有技术相比，本发明利用带有3D全息投影模块的POS机读取消费者支付卡的识别码，并结合该消费者的消费内容生成了电子形式的支付订单并将支付订单发送到支付服务器，支付服务器将支付订单发送到消费者手机上进行验证，消费者验证通过后发送订单确认信息到支付服务器，同时输入指纹到POS机，POS机将读取的指纹数据发送到支付服务器，支付服务器接收到订单确认信息后还需对消费者输入的指纹进行验证，指纹验证通过后支付服务器向POS机返回与该消费者支付卡识别码绑定的消费者3D全息图像，POS机投影出该3D全息图像供商家对消费者身份进行审核，审核通过后支付服务器才对与消费者支付卡绑定的账号进行扣款操作。本发明通过多级审核，大大增强了支付安全性。
图1：本发明基于3D全息投影进行身份认证的支付系统组成示意图；
图2：本发明基于3D全息投影进行身份认证的支付方法流程示意图。
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。
如图1所示，本发明提供了一种基于3D全息投影进行身份认证的支付系统，该系统包括相互连接的POS机1及支付服务器2，支付服务器2可同时连接若干台POS机1。POS机1与支付服务器2之间的数据传输进行了加密处理，以保证数据的安全传输。
POS机1用于读取消费者支付卡的识别码，并结合该消费者的消费内容生成包含消费者支付卡的识别码及消费内容的支付订单，同时，将支付订单发送到支付服务器2。支付卡可以是一种集成有RFID电子标签或NFC标签的卡片，相应地，POS机1需要设置RFID读写模块或NFC读写模块对支付卡进行读取，消费者消费时就利用这张卡片进行支付。支付卡里存储有该支付卡的识别码，该识别码可被POS机1读取，用于识别该支付卡。支付时，消费者出示支付卡，商家POS机1对该支付卡进行读取识别，从而获取该支付卡的识别码，再结合当前该消费者的消费内容就可生成支付订单。该支付订单相当于在商场消费时的收银台打出的电脑小票，与电脑小票不同的是，该支付订单是电子数据形式的，其中包含了该消费者支付卡的识别码及消费内容等信息，该支付订单不会以纸质的形式打印出来提供给消费者审核，而是发送到支付服务器2。支付服务器2预存有支付卡识别码、消费者账号、消费者手机号码、消费者指纹数据、消费者3D全息图像等信息，消费者的账号、手机号码、指纹数据及3D全息图像与该消费者支付卡的识别码绑定。支付服务器2接收到POS机1发送的支付订单后，将该支付订单发送到与消费者支付卡的识别码绑定的手机等待消费者审核。支付服务器2可通过两种途径将支付订单发送到手机上，一种方式是通过短信的形式发送到手机上，另一种方式是在手机上安装相应的APP，支付服务器2通过移动互联网将支付订单发送到手机的APP上。消费者审核通过后，根据系统发送支付订单的方式的不同，可以选择回复短信或者在手机APP上对支付订单进行确认的方式将订单确认信息发送到支付服务器2，同时，消费者还需要输入指纹到POS机1，POS机1读取消费者输入的指纹，并将读取的指纹数据发送到支付服务器2。支付服务器2接收到订单确认信息后，还需要验证POS机1读取的指纹数据与消费者支付卡的识别码绑定的指纹数据是否匹配，相当于让消费者进行了两次确认，即手机确认和输入指纹确认，只有消费者同时执行了手机确认及输入指纹确认后，后续的支付步骤才能继续进行，提高了支付的安全性。当POS机1读取的指纹数据与消费者支付卡的识别码绑定的指纹数据匹配成功后，商家就可对与消费者支付卡的识别码绑定的账号进行扣款操作，从而完成支付过程。
为进一步提高支付的安全性，本系统加入了消费者3D全息图像验证环节。当POS机1读取的指纹数据与消费者支付卡的识别码绑定的指纹数据匹配成功后，支付服务器2向POS机1发送与消费者支付卡的识别码绑定的消费者3D全息图像，POS机1通过3D全息投影模块投影出该消费者的3D全息图像供商家审核当前消费者的身份，消费者身份审核通过后，商家才向支付服务器2输入支付命令，支付服务器2接收到支付命令后根据支付订单对与消费者支付卡的识别码绑定的账号进行扣款，从而完成支付。
本系统还提供了另外两种对消费者进行身份审核的方式：声音识别和照片识别。商家在通过3D全息投影的方式对消费者进行身份审核时，还可以辅助以声音识别或照片识别的方式对消费者进行身份审核，进一步提高了支付安全性。
声音识别：在支付服务器2中预存消费者声音数据，消费者的声音数据与该消费者支付卡的识别码绑定，POS机1上还设置录音模块。POS机1通过录音模块采集消费者的声音，并将采集的声音数据发送到支付服务器2，支付服务器2验证声音数据与消费者支付卡的识别码绑定的声音数据是否匹配，并向POS机1返回匹配结果，商家根据匹配结果审核当前消费者的身份。
照片识别：支付服务器2还预存有消费者备案照片，消费者的备案照片与该消费者支付卡的识别码绑定。支付服务器2向POS机1发送与消费者支付卡的识别码绑定的消费者备案照片，商家根据消费者备案照片审核当前消费者的身份。
本系统同时还提供有对支付时的支付现场进行存档的功能，可记录下支付的现场情况记录，以便后续出现支付问题时进行追查。对支付现场存档具体包括声音存档及图像存档。
声音存档：POS机1通过录音模块对支付现场进行录音，并将录音发送到支付服务器2存档。录音中应当包含消费者的声音及背景声音。
图像存档：POS机1通过摄像头对支付现场进行拍照，并将拍摄的照片发送到支付服务器2存档。拍摄的照片中应当包括消费者的照片及背景照片。
此外，还可以通过摄像头拍摄支付现场的有声视频，并将拍摄的有声视频发送到支付服务器2存档。同样的，有声视频中也应当包含消费者及现场背景。
支付卡可粘贴在消费者手机上，便于消费者随身携带，支付卡可以是预付卡或会员卡。支付服务器2中根据支付卡的识别码及其他资料信息（如消费者的姓名、国家地区等）建立有账号，如果支付卡是预付卡或会员卡，支付服务器2就可直接对其相应的账号进行扣款，消费者的指纹就是支付密码。预付卡和会员卡可以按照统一的行业标准制作、不同的商家可以互通使用，消费者或会员可管理自己的消费记录，发卡商家和会员之间还可进行互动，这种预付卡或会员卡应用在本发明的支付系统上具有很高安全性。
消费者可通过已安装App的手机输入支付卡识别码、姓名、身份证号码、银行卡号、预留电话号码及相关信息，并通过POS机1录入消费者指纹来绑定银行卡，通过认证绑定的银行卡信息及消费者个人信息将会加密保存在支付系统2中。在支付过程中，POS机1将读取到的支付卡识别码、消费者指纹和相关交易数据发送到支付系统2进行消费者身份审核和验证，审核通过后的消费者的个人和银行信息和交易数据一起发送到银行系统，
银行系统将接收到的信息与预存的该消费者的信息进行匹配，如果匹配成功，则将从消费者的银行账号扣除相应的款项。
图2示出了本发明基于3D全息投影进行身份认证的支付方法的流程，包括如下步骤：
POS机读取消费者支付卡的识别码，并结合该消费者的消费内容生成包含消费者支付卡的识别码及消费内容的支付订单，同时，将支付订单发送到支付服务器；POS机上设置有3D全息投影模块；支付服务器预存有支付卡识别码、消费者账号、消费者手机号码、消费者指纹数据、消费者3D全息图像；消费者的账号、手机号码、指纹数据及3D全息图像与该消费者支付卡的识别码绑定；
支付服务器将支付订单发送到与消费者支付卡的识别码绑定的手机等待消费者审核，消费者审核通过后通过其手机向支付服务器发送订单确认信息，同时，输入指纹到POS机；
POS机读取消费者审核通过后输入的指纹，并将读取的指纹数据发送到支付服务器；
支付服务器接收到订单确认信息后，验证POS机读取的指纹数据与消费者支付卡的识别码绑定的指纹数据是否匹配，并在指纹验证通过后向POS机发送与消费者支付卡的识别码绑定的消费者3D全息图像；
POS机通过3D全息投影模块投影出与消费者支付卡的识别码绑定的消费者3D全息图像供商家审核当前消费者的身份；消费者身份审核通过后，商家向支付服务器输入支付命令；
支付服务器接收到支付命令后根据支付订单对与消费者支付卡的识别码绑定的账号进行扣款。
POS机上还可设置录音模块，支付服务器还可预存消费者声音数据，并将消费者的声音数据与该消费者支付卡的识别码绑定。相应地，支付方法还可包括如下步骤：
POS机通过录音模块采集消费者的声音，并将采集的声音数据发送到支付服务器；支付服务器验证声音数据与消费者支付卡的识别码绑定的声音数据是否匹配，并向POS机返回匹配结果；商家还根据匹配结果审核当前消费者的身份。
支付服务器还可预存消费者备案照片，并将消费者的备案照片与该消费者支付卡的识别码绑定。相应地，支付方法还可包括如下步骤：
支付服务器向POS机发送与消费者支付卡的识别码绑定的消费者备案照片，商家还根据消费者备案照片审核当前消费者的身份。
POS机上还可设置摄像头，相应地，支付方法还可包括如下步骤：
POS机通过摄像头对支付现场进行拍照，并将拍摄的照片发送到支付服务器存档。
POS机还可通过录音模块对支付现场进行录音，并将录音发送到支付服务器存档。
以上所述仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。
Claims (10)
- 一种基于3D全息投影进行身份认证的支付方法，其特征在于，包括如下步骤：POS机读取消费者支付卡的识别码，并结合该消费者的消费内容生成支付订单，同时，将所述支付订单发送到支付服务器；所述POS机上设置有3D全息投影模块；所述支付服务器预存有支付卡识别码以及与所述支付卡识别码绑定的消费者账号、消费者手机号码、消费者指纹数据、消费者3D全息图像；所述支付服务器将所述支付订单发送到与所述消费者支付卡的识别码绑定的手机以等待消费者审核，并在消费者审核通过后接收消费者通过其手机发送的订单确认信息；POS机读取消费者审核通过后输入的指纹，并将读取的指纹数据发送到所述支付服务器；所述支付服务器接收到所述订单确认信息后，验证POS机读取的指纹数据与所述消费者支付卡的识别码绑定的指纹数据是否匹配，并在指纹验证通过后向所述POS机发送与所述消费者支付卡的识别码绑定的消费者3D全息图像；所述POS机通过所述3D全息投影模块投影出与所述消费者支付卡的识别码绑定的消费者3D全息图像，以供商家审核当前消费者的身份；所述支付服务器接收到商家输入的表示消费者身份审核通过的支付命令后，根据所述支付订单对与所述消费者支付卡的识别码绑定的账号进行扣款。
- 如权利要求1所述的基于3D全息投影进行身份认证的支付方法，其特征在于，所述POS机上还设置有录音模块；所述支付服务器还预存有消费者声音数据，消费者的声音数据与该消费者支付卡的识别码绑定；所述支付方法还包括如下步骤：所述POS机通过所述录音模块采集消费者的声音，并将采集的声音数据发送到所述支付服务器；所述支付服务器验证所述声音数据与所述消费者支付卡的识别码绑定的声音数据是否匹配，并向所述POS机返回匹配结果，以供商家审核当前消费者的身份。
- 如权利要求1所述的基于3D全息投影进行身份认证的支付方法，其特征在于，所述支付服务器还预存有消费者备案照片；消费者的备案照片与该消费者支付卡的识别码绑定；所述支付方法还包括如下步骤：所述支付服务器向所述POS机发送与所述消费者支付卡的识别码绑定的消费者备案照片，以供商家审核当前消费者的身份。
- 如权利要求1所述的基于3D全息投影进行身份认证的支付方法，其特征在于，所述POS机上还设置有摄像头；所述支付方法还包括如下步骤：所述POS机通过所述摄像头对支付现场进行拍照，并将拍摄的照片发送到所述支付服务器存档。
- 如权利要求2所述的基于3D全息投影进行身份认证的支付方法，其特征在于，所述POS机还通过所述录音模块对支付现场进行录音，并将录音发送到所述支付服务器存档。
- 一种基于3D全息投影进行身份认证的支付系统，其特征在于，包括：POS机，用于读取消费者支付卡的识别码，并结合该消费者的消费内容生成支付订单；所述POS机上设置有3D全息投影模块；支付服务器，其预存有支付卡识别码以及与所述支付卡识别码绑定的消费者账号、消费者手机号码、消费者指纹数据、消费者3D全息图像；所述支付服务器用于接收所述支付订单，并将所述支付订单发送到与所述消费者支付卡的识别码绑定的手机以等待消费者审核，并在消费者审核通过后接收消费者通过其手机发送的订单确认信息；所述POS机还用于读取消费者审核通过后输入的指纹，并将读取的指纹数据发送到所述支付服务器；所述支付服务器还用于在接收到所述订单确认信息后，验证POS机读取的指纹数据与所述消费者支付卡的识别码绑定的指纹数据是否匹配，并在指纹验证通过后向所述POS机发送与所述消费者支付卡的识别码绑定的消费者3D全息图像；所述POS机还用于通过所述3D全息投影模块投影出与所述消费者支付卡的识别码绑定的消费者3D全息图像，以供商家审核当前消费者的身份；所述支付服务器还用于在接收到商家输入的表示消费者身份审核通过的支付命令后，根据所述支付订单对与所述消费者支付卡的识别码绑定的账号进行扣款。
- 如权利要求6所述的基于3D全息投影进行身份认证的支付系统，其特征在于，所述POS机上还设置有录音模块；所述支付服务器还预存有消费者声音数据，消费者的声音数据与该消费者支付卡的识别码绑定；所述POS机还用于通过所述录音模块采集消费者的声音，并将采集的声音数据发送到所述支付服务器；所述支付服务器还用于验证所述声音数据与所述消费者支付卡的识别码绑定的声音数据是否匹配，并向所述POS机返回匹配结果，以供商家审核当前消费者的身份。
- 如权利要求6所述的基于3D全息投影进行身份认证的支付系统，其特征在于，所述支付服务器还预存有消费者备案照片；消费者的备案照片与该消费者支付卡的识别码绑定；所述支付服务器向所述POS机发送与所述消费者支付卡的识别码绑定的消费者备案照片，以供商家审核当前消费者的身份。
- 如权利要求6所述的基于3D全息投影进行身份认证的支付系统，其特征在于，所述POS机上还设置有摄像头；所述POS机还用于通过所述摄像头对支付现场进行拍照，并将拍摄的照片发送到所述支付服务器存档。
- 如权利要求7所述的基于3D全息投影进行身份认证的支付系统，其特征在于，所述POS机还通过所述录音模块对支付现场进行录音，并将录音发送到所述支付服务器存档。
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