WO2016155470A1 - 支付设备、支付系统及支付方法 - Google Patents

支付设备、支付系统及支付方法 Download PDF

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Publication number
WO2016155470A1
WO2016155470A1 PCT/CN2016/075799 CN2016075799W WO2016155470A1 WO 2016155470 A1 WO2016155470 A1 WO 2016155470A1 CN 2016075799 W CN2016075799 W CN 2016075799W WO 2016155470 A1 WO2016155470 A1 WO 2016155470A1
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WO
WIPO (PCT)
Prior art keywords
payment
payment device
payer
information
identity
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2016/075799
Other languages
English (en)
French (fr)
Inventor
邹斌
白峰
刘淼
王立岩
叶虹呐
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
BOE Technology Group Co Ltd
Beijing BOE Display Technology Co Ltd
Original Assignee
BOE Technology Group Co Ltd
Beijing BOE Display Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by BOE Technology Group Co Ltd, Beijing BOE Display Technology Co Ltd filed Critical BOE Technology Group Co Ltd
Priority to US15/518,116 priority Critical patent/US11244298B2/en
Publication of WO2016155470A1 publication Critical patent/WO2016155470A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1365—Matching; Classification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/08—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
    • G06K7/082—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors
    • G06K7/083—Methods or arrangements for sensing record carriers, e.g. for reading patterns by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes using inductive or magnetic sensors inductive
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10316—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers
    • G06K7/10336—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers the antenna being of the near field type, inductive coil
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • G06V40/168—Feature extraction; Face representation

Definitions

  • Embodiments of the present invention relate to a payment device, a payment system, and a payment method.
  • contactless mobile payment is welcomed by people from all walks of life.
  • the payment device and the payment device can complete the payment without direct contact, that is, when the distance between the payment device and the payment device is within a certain range, the payment device can directly pay the amount of payment from the payment. Deducted from the device.
  • the payment environment in which the payment device and the payment device are located has spatial limitations, that is, the space is small, the payment device is easily erroneously triggered and the payment device generates an erroneous payment, thereby causing property loss of the payer.
  • an existing secure payment method is to set a fingerprint recognizer on the payment device. In this way, the paying party's finger is pressed on the fingerprint reader of the payment device at the time of payment, and the payment can be completed when the fingerprint is recognized for identity authentication.
  • the above payment method can realize secure payment, it is also necessary to move the payment device to a place that the payment party can touch so that the payment party's finger directly contacts the payment device, but the collection device is inconvenient when the space is small. Mobile, so when the payment is required to have a high timeliness, the payment method is not convenient and fast.
  • the present invention provides a payment device, a payment system, and a payment method, in view of the technical problem that the existing mobile payment technology is inconvenient and fast, and the payment security is not high enough.
  • a payment system comprising: a payment device, a payment device, the payment device being connected to the payment device by electromagnetic induction, enabling the payment device to receive the payment device Information, an identification device, the identification device is disposed in a payment environment and spatially separated from the payment device, and the identity recognition device is in signal connection with the payment device when the payer pays an amount
  • the identification device is configured to identify identity information of the payer, wherein the payment environment is a place where the payment device and the payment device are located at the same time.
  • the identity recognition device comprises a fingerprint recognition unit.
  • the identity recognition device is set At least one of the following locations in the payment environment: an inside door handle of the vehicle, a vehicle window lifter button, a seat belt buckle, and a seat side adjustment lever.
  • the identity recognition device comprises a face recognition unit.
  • the identity recognition device when the payment environment is in a vehicle, is disposed in at least one of the following positions in the payment environment: a seat back, a vehicle console, a seat belt buckle, and a vehicle Near the mirror.
  • an identifier recognition unit for prompting the identity information of the payer to be identified is further disposed in the payment device.
  • the payment device is connected to the payment control device via a network, and the collection device is configured to send the identity information of the payer to the payment control device and receive the identity of the payment control device to the payer The verification result of the information.
  • a payment method comprising: a payment device receiving payment information of the payment device, wherein the payment device and the payment device are in non-direct contact within a preset distance range; Receiving, by the payment device, identity information entered by the payment party through an identification device in the payment environment, wherein the payment environment is a location where the payment device and the payment device are located; and identity information of the payment party When verified to be correct, the payment device deducts the amount of consumption of the payer.
  • the receiving device receiving the payment information of the payment device includes: the payment device sending the prompt information to the payment device; and receiving the payment information when the payment device receives the prompt information sent by the payment device The device receives payment information for the payment device.
  • the payment method further includes: the payment device is configured to send the identity information through a network Transmitting to a payment control device networked with the payment device; the payment device receiving a verification result from the payment control device for the identity information of the payer, when the verification result is the identity of the payer When the information is correct, the payment device deducts the amount of consumption of the payer.
  • the payment method further includes: the payment device determines whether identification is required; and when needed, the identity device receives the identity input by the payment party information.
  • the prompt information includes voice prompt information and/or visual prompt information.
  • the identity information includes fingerprint identification information and/or face recognition information.
  • a payment device comprising: a payment device, including transceiver means for establishing a signal connection with a payment device, and capable of receiving information of the payment device, the identification device, An identification device is disposed in the payment environment and spatially separated from the payment device, and the identification device is in signal communication with the payment device, the identification device is configured to identify the location when the payer pays the amount The identity information of the payer, wherein the payment environment is a place where the payment device and the payment device are located at the same time.
  • the identity recognition device comprises a fingerprint recognition unit.
  • the identity recognition device is disposed at at least one of the following positions in the payment environment: an inner door handle of the vehicle, a vehicle glass lifter button, and a seat belt buckle And seat side adjustment lever.
  • the identity recognition device comprises a face recognition unit.
  • the identity recognition device when the payment environment is in a vehicle, is disposed in at least one of the following positions in the payment environment: a seat back, a vehicle console, a seat belt buckle, and a vehicle Near the mirror.
  • an identifier recognition unit for prompting the identity information of the payer to be identified is further disposed in the payment device.
  • FIG. 1 is a schematic structural diagram of a payment system according to Embodiment 1 of the present invention.
  • FIG. 2a is a schematic diagram showing an exemplary structure of a payment system according to Embodiment 1 of the present invention
  • FIG. 2b is a schematic diagram showing another structure of a payment system according to Embodiment 1 of the present invention.
  • FIG. 3 is another schematic structural diagram of a payment system according to Embodiment 1 of the present invention.
  • FIG. 4 is a schematic flowchart of a payment method according to Embodiment 2 of the present invention.
  • FIG. 5 is a schematic structural diagram of a payment system according to Embodiment 3 of the present invention.
  • FIG. 6 is a schematic structural diagram of a payment device according to Embodiment 4 of the present invention.
  • the first embodiment of the present invention provides a payment system 10, which includes a payment device 11 and a payment device 12, wherein the payment device can be a mobile POS machine, a computer terminal, a credit card machine, etc., and the payment device can be a smart watch. Smartphones, smart bracelets, smart cards, etc.
  • the payment device 12 and the payment device 11 are connected by electromagnetic induction.
  • the payment device 11 and the payment device 12 can pass through Bluetooth, Wi-Fi (Wireless-Fidelity), NFC (Near Field Communication, near field).
  • the communication method, the radio communication, and the like are not limited in the present invention. Thereby, communication can be made between the payment device 11 and the payment device, for example, the payment device 11 can receive the information of the payment device 12.
  • the payment system 10 includes, in addition to the payment device 11 and the payment device 12, the payment system 10 further includes an identification device 13.
  • the identification device 13 is disposed in the payment environment and spatially separated from the payment device 12, and the identification device 13 is in signal communication with the payment device. When the payer pays the amount, the identification device 13 is used to identify the identity information of the payer.
  • the identification device 13 may employ a fingerprint recognition sensor, a face recognition sensor, an audio sensor, or the like, or use them in combination, which is not limited in the embodiment of the present invention.
  • the payment environment is a place where the payment device 11 and the payment device 12 are located at the same time.
  • the location of the location may be, for example, a vehicle, a checkout counter, a payment window, etc., which is not limited in this embodiment of the present invention.
  • the identification device 13 and the payment device 11 can be connected by means of a wired connection or a wireless connection, and the wireless connection can be Bluetooth, Wi-Fi (Wireless-Fidelity), NFC (The connection method of the near field communication, the near field communication, and the radio frequency communication is not limited in the present invention.
  • the payment system 10 provided in the first embodiment of the present invention is provided with an identity recognition device in a payment environment and is connected to the payment device.
  • the identity is used to identify the identity information of the payer. It can be seen that in the payment system, by setting the identity recognition device in the payment environment instead of being disposed in the payment device, there is no need for the payer to directly contact the payment device to complete the payment. This not only improves the security of the payment, but also facilitates payment by the payer, thereby providing a higher user experience.
  • the existing fingerprint recognition unit can be placed on the payment device of the payer, it is required that each payment device needs to set a fingerprint recognition unit, thereby increasing the cost of the payment device.
  • the identification device 13 may include a fingerprint recognition unit 131, and when the payment environment is a vehicle, the identification device 13 may be disposed at at least one of the following positions in the payment environment: the inner door handle of the vehicle, the vehicle glass lift Button, seat belt buckle and seat side adjustment lever.
  • the identification device 13 may be disposed at at least one of the following positions in the payment environment: the inner door handle of the vehicle, the vehicle glass lift Button, seat belt buckle and seat side adjustment lever.
  • the identification device 13 including the fingerprint recognition unit 131 is disposed on the inner door handle of the vehicle, the customer who rides the vehicle only needs the fingerprint recognition unit on the door handle when paying the payment. 131 Click to send the customer's identity information to the payment device 11, and at the same time the door will be opened, thereby achieving both payment security and fast payment.
  • the identity recognition device 13 may include a face recognition unit 132, and when the payment environment is a vehicle, the identity recognition device 13 is disposed at at least one of the following positions in the payment environment: a seat back, a vehicle console, Seat belt buckles, near the mirror inside the vehicle, etc. As shown in FIG. 2b, the face recognition unit 132 is disposed on the seat back.
  • a fingerprint identification unit in the area within the payer's field of view, payment is both secure and convenient, providing a higher user experience.
  • the identification device 13 including the face recognition unit 132 is disposed on the seat belt buckle of the vehicle passenger seat, the customer who rides the vehicle only needs to unlock the seat belt buckle while paying. By looking down at the seat belt buckle, you can check your identity, thus achieving both payment security and fast payment.
  • the payment environment is a vehicle
  • the payment environment may also be a checkout counter, a payment window, or the like.
  • the identification device can be set at the edge of the display screen for displaying the amount, so that the customer checks the identity information while seeing the price of the item, such as checking the identity by face recognition. Information, thereby increasing the speed of customer payment.
  • the payment device 11 is further provided with an identification prompting unit 111 for prompting the identity information of the payer to be identified.
  • the identification prompting unit 111 can be, for example, a speaker or a display screen, and can prompt the payment party to input its own identity information in time to further improve the user experience.
  • the payment device 11 is connected to the payment control device 14 via a network, and the collection device 11 is configured to transmit the identity information of the payer to the payment control device 14 and to receive the payment control device 14 to the payer.
  • the verification result of the identity information may be a device such as a server for implementing payment control.
  • Such a payment device connected to a payment control device via a network increases the applicability and operability of contactless mobile payment, enabling more people such as the elderly and children to use contactless mobile payment;
  • the payer's payment device need not be networked to the payment control device. Thereby reducing the network traffic of the payment device and avoiding network congestion or network response delay caused by excessive payment of the payment device.
  • the second embodiment of the present invention provides a payment method. As shown in FIG. 4, the payment method includes the following steps S21-S23:
  • step S21 the payment device and the payment device are in non-direct contact within a preset distance range, so that the payment device can receive the payment information of the payment device.
  • the payee first inputs the amount of consumption in the payment device, and then the payer causes the payment device to be in indirect contact with the payment device within a predetermined distance, such as inductive contact, so that the payment device can receive the payment device.
  • Information such as identification code or identification code.
  • the preset distance may be set to a certain value within a range of distances at which the signal can be received, for example, 0.3 meters, 0.8 meters, etc., which may be set as a default value by a person skilled in the art according to experience, or may be set according to a specific place.
  • the embodiment of the invention is not limited.
  • step S21 may include the following steps S211-S212:
  • step 211 the payment device sends the prompt information to the payment device.
  • the prompt information may include at least one of the following information: voice prompt information and visual prompt information.
  • Step 212 When the payment device receives the prompt information sent by the payment device, the payment device and the payment device are in non-direct contact within a preset distance range, so that the payment device can receive Information of the payment device.
  • the prompt information sent by the payment device can remind the paying party to input their identity information in time, thereby improving the user experience.
  • Step S22 the payment device receives the identity information input by the payment party through the identity recognition device in the payment environment, wherein the payment environment is the location where the payment device and the payment device are located.
  • the identity information may include fingerprint identification information and/or face recognition information.
  • the payment environment can be a place such as a vehicle, a cashier, or a payment window.
  • the cash collection device and the payment device can be connected by means of a wired or wireless connection through a signal connection, and the wireless connection method can also adopt a connection mode such as Bluetooth, Wi-Fi, NFC, and radio frequency communication.
  • the payment device receives the device identification code information of the payment device, the payment party inputs the identity information through the identity recognition device in the payment environment, and then the payment device sends the input identity information to the payment device, and the payment device correspondingly Receiving the identity information sent by the payer.
  • Step S23 when the identity information of the payer is verified to be correct, the payment device deducts the amount of consumption of the payer.
  • the payment method provided by the second embodiment of the present invention includes: the payment device and the collection device are in non-direct contact within a preset distance range. After the payment device receives the information of the payment device, the payment device receives the identity information entered by the payment party through the identification device in the payment environment, wherein the payment environment is the location where the payment device and the payment device are located. When the identity information of the payer is verified to be correct, the payment device deducts the amount of consumption of the payer. It can be seen that the embodiment of the present invention not only improves the security of payment, but also does not need the direct contact between the body part of the payer and the payment device by means of setting the identification device in the payment environment, thereby facilitating payment by the payer. This in turn provides a high user experience.
  • the payment device of the present invention can be connected to the payment control device, optionally, in a specific embodiment of the present invention, the payment device receives the payment by the payment device in the payment environment in step S22.
  • the method further includes the step of: the payment device transmitting the identity information to the payment control device networked with the payment device via the network.
  • step S23 when the identity information of the payer is verified to be correct, the payment device deducting the amount of the payer's consumption may be, and the receiving device receives the The payment control device verifies the identity information of the payer. When the verification result is that the identity information of the payer is correct, the payment device deducts the amount of the payer's consumption.
  • the way in which the payment device is connected to the payment control device via the network increases the applicability and operability of the contactless mobile payment, enabling more people such as the elderly and children to use contactless mobile payment;
  • the payment device of the payer is not required to be networked to the payment control device. This reduces the network traffic of the payment device and avoids network congestion or network response delays caused by excessive payment by the payment device.
  • the payer may not need to verify the identity information before paying in certain circumstances, it can pay directly, for example, if the transaction amount is small or the payment place can be trusted. Therefore, optionally, in a specific embodiment of the present invention, after the payment amount of the payer is input in the cash collection device in step S21, for example, the payment device and the payment device are within a preset distance range. Before direct contact, the following steps are also included: the payment device determines whether identification is required.
  • the setting of the transaction security setting state may be performed according to whether the current payment place is safe, or the setting of the small quick payment limit may be performed according to the size of the transaction amount, so the payment device may be determined according to the transaction security setting state and/or the small quick payment. Whether identification is required.
  • the payment device of the payer determines whether the identity is required according to the security setting state of the transaction and/or the small quick payment limit; if the payer does not need to identify Identification, after the payment device is in non-direct contact with the payment device and the payment device receives the information of the payment device, the payment amount of the payment party is directly deducted from the payment device. If the payer needs to be identified, after the payment device is in non-direct contact with the payment device and the payment device receives the information of the payment device, the payment device receives the identity information input by the payment party through the identification device in the payment environment. Identification steps.
  • FIG. 5 is a schematic structural diagram of another payment system according to an embodiment of the present invention.
  • the payment system 50 includes a payment control device 14 in addition to the collection device 11, the payment device 12, and the identification device 13 in the payment system 10 of the first embodiment of the present invention.
  • the payment device 11 is connected to the payment control device 14 via a network.
  • the payment control device 14 is configured to receive the payment sent by the payment device 11 The identity information of the payer and verify the identity information of the payer.
  • the payment device 11 is for transmitting the identity information of the payer to the payment control device 14 and receiving the verification result of the payment control device 14 for the identity information of the payer.
  • the payment control device 14 may be a device such as a server for implementing payment control. For details, refer to the first embodiment of the present invention, and details are not described herein again.
  • FIG. 6 is a schematic structural diagram of a payment device according to Embodiment 4 of the present invention.
  • the payment device 60 includes the depositing device 11 and the identification device 13 in the first embodiment of the present invention.
  • the specific structure and function of the above two devices can be referred to the first embodiment of the present invention, which will be briefly described herein.
  • the payment device 11 includes a transceiver configured to establish a signal connection with the payment device 12 and to receive information from the payment device 12.
  • the identification device 13 is disposed in the payment environment and spatially separated from the payment device 12, and the identification device 13 is in signal connection with the payment device 11, and when the payer pays the amount, the identification device 13 is used to identify the identity of the payer Information, wherein the payment environment is a place where the payment device 11 and the payment device 12 are located at the same time.
  • the identification device 12 includes a fingerprint recognition unit.
  • the identification device when the payment environment is within the vehicle, the identification device is disposed in at least one of the following locations in the payment environment: an inside door handle of the vehicle, a vehicle window lifter button, a seat belt buckle, and a seat side adjustment lever.
  • the identity recognition device comprises a face recognition unit.
  • the identification device when the payment environment is within the vehicle, the identification device is placed in at least one of the following locations in the payment environment: the back of the chair, the vehicle console, the seat belt buckle, and the vicinity of the mirror within the vehicle.
  • an identification recognition unit for prompting the identity information of the payer to be identified is also provided in the payment device 11.
  • the payment system, the payment device and the payment method provided by the embodiments of the present invention in the payment system, by setting the identity recognition device in the payment environment, instead of being disposed in the payment device, there is no need for the payer to directly contact the payment device. To complete the payment.
  • the payment system can achieve both payment security and payment, thereby providing a high user experience.

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  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

一种支付系统(10)，包括：收款装置(11)；付款装置(12)，所述付款装置(12)与所述收款装置(11)通过电磁感应连接，使所述收款装置(11)能够接收所述付款装置(12)的信息；身份识别装置(13)，所述身份识别装置(13)设置在支付环境中且与所述付款装置(12)在空间上分离，并且身份识别装置(13)与收款装置(11)信号连接，当付款方支付金额时，所述身份识别装置(13)用于识别所述付款方的身份信息，其中所述支付环境为所述收款装置(11)和所述付款装置(12)同时所在的场所。该支付系统保证了支付安全及方便快捷。还提供了一种支付设备(60)及支付方法。

Description

支付设备、支付系统及支付方法 技术领域
本发明的实施例涉及涉及一种支付设备、支付系统及支付方法。
背景技术
目前，非接触移动支付受到各业人群的欢迎。在非接触移动支付中，付款装置和收款装置可以不用直接接触就能完成支付，也即，收款装置与付款装置的距离在一定范围内时，收款装置就能把消费金额直接从付款装置中扣除。然而，如果收款装置与付款装置所在的支付环境具有空间局限性，即空间狭小，付款装置很容易被误触发从而付款装置产生错误支付，由此造成付款方的财产损失。
对于上述易造成误触发的场景，一种现有的安全支付方式为在收款装置上设置指纹识别器。这样在支付时需付款方的手指按在收款装置的指纹识别器上，当指纹被识别以实现身份鉴定时就可完成支付。
上述支付方式虽然能够实现安全支付，但还需要将收款装置移动到付款方能碰触到的地方以便付款方的手指与收款装置直接接触，然而空间狭小的情况下收款装置是不方便移动的，因此当要求支付具有较高的时效性时，该支付方式显得不够方便快捷。
发明内容
针对现有移动支付技术不方便快捷、以及支付安全性不够高的技术问题，本发明实施例提供一种支付设备、支付系统及支付方法。
根据本发明的一个方面，提供了一种支付系统，包括：收款装置，付款装置，所述付款装置与所述收款装置通过电磁感应连接，使所述收款装置能够接收所述付款装置的信息，身份识别装置，所述身份识别装置设置在支付环境中且与所述付款装置在空间上分离，并且所述身份识别装置与所述收款装置信号连接，当所述付款方支付金额时，所述身份识别装置用于识别所述付款方的身份信息，其中所述支付环境为所述收款装置和所述付款装置同时所在的场所。
可选地，所述身份识别装置包括指纹识别单元。
可选地，当所述支付环境为车辆内时，则所述身份识别装置设置 在所述支付环境中的以下至少一处位置：车辆的内侧车门把手、车辆玻璃升降器按钮、安全带卡扣和座椅侧面调节杆。
可选地，所述身份识别装置包括人脸识别单元。
可选地，当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车椅后背、车辆控制台、安全带卡扣和车辆内的反光镜附近。
可选地，在所述收款装置内还设置有用于提示所述付款方的身份信息需要识别的身份识别提示单元。
可选地，还包括支付控制设备，其中，
所述收款装置与所述支付控制设备通过网络连接，所述收款装置用于向所述支付控制设备发送所述付款方的身份信息和接收所述支付控制设备对所述付款方的身份信息的验证结果。
根据本发明的另一个方面，提供了一种支付方法，包括：收款装置接收所述付款装置的付款信息，其中，付款装置与收款装置在预设距离范围内非直接接触；所述收款装置接收所述付款方通过所述支付环境中的身份识别装置输入的身份信息，其中所述支付环境为所述收款装置和所述付款装置所在的场所；当所述付款方的身份信息被验证正确时，所述收款装置扣除所述付款方的消费金额。
可选地，收款装置接收所述付款装置的付款信息包括：所述收款装置向所述付款装置发送提示信息；当所述付款装置接收所述收款装置发出的提示信息时，收款装置接收所述付款装置的付款信息。
可选地，在所述收款装置接收所述付款方通过所述支付环境中的身份识别装置输入的身份信息后，所述支付方法还包括：所述收款装置通过网络将所述身份信息发送至与所述收款装置联网的支付控制设备；所述收款装置接收来自所述支付控制设备对所述付款方的身份信息的验证结果，当所述验证结果为所述付款方的身份信息正确时，所述收款装置扣除所述付款方的消费金额。
可选地，在所述收款装置接收到所述付款装置的付款信息后，所述支付方法还包括：付款装置确定是否需要进行身份识别；当需要时，身份识别装置接收付款方输入的身份信息。
可选地，所述提示信息包括语音提示信息和/或视觉提示信息。
可选地，所述身份信息包括指纹识别信息和/或人脸识别信息。
根据本发明的再一个方面，提供了一种支付设备，包括：收款装置，包括收发装置，用于与付款装置建立信号连接，且能够接收所述付款装置的信息，身份识别装置，所述身份识别装置设置在支付环境中且与所述付款装置在空间上分离，并且所述身份识别装置与所述收款装置信号连接，当付款方支付金额时，所述身份识别装置用于识别所述付款方的身份信息，其中所述支付环境为所述收款装置和所述付款装置同时所在的场所。
可选地，所述身份识别装置包括指纹识别单元。
可选地，当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车辆的内侧车门把手、车辆玻璃升降器按钮、安全带卡扣和座椅侧面调节杆。
可选地，所述身份识别装置包括人脸识别单元。
可选地，当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车椅后背、车辆控制台、安全带卡扣和车辆内的反光镜附近。
可选地，在所述收款装置内还设置有用于提示所述付款方的身份信息需要识别的身份识别提示单元。
附图说明
为了更清楚地说明本发明实施例的技术方案，下面将对实施例描述中所需要使用的附图作一简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本发明实施例一提供的支付系统的一种结构示意图；
图2a为本发明实施例一提供的支付系统的一种结构示例性示意图；
图2b为本发明实施例一提供的支付系统的另一种结构示例性示意图；
图3为本发明实施例一提供的支付系统的另一种结构示意图；
图4为本发明实施例二提供的支付方法的一种流程示意图；
图5是本发明实施例三提供的支付系统的一种结构示意图；
图6是本发明实施例四提供的支付设备的一种结构示意图。
具体实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
实施例一
本发明实施例一提供一种支付系统10，该支付系统包括收款装置11和付款装置12，其中，收款装置可为移动POS机、计算机终端、刷卡机等，付款装置可为智能手表、智能手机、智能手环、智能卡等。付款装置12与收款装置11通过电磁感应连接，例如，收款装置11与付款装置12之间可以通过蓝牙、Wi-Fi(Wireless-Fidelity，无线保真)、NFC(Near Field Communication，近场通信)、射频通信等连接方式，本发明对此不做限定。从而使收款装置11与付款装置之间可以进行通信，例如，使收款装置11能够接收付款装置12的信息。
如图1所示，支付系统10除包括收款装置11和付款装置12外，支付系统10还包括：身份识别装置13。
身份识别装置13设置在支付环境中且与付款装置12在空间上分离，并且身份识别装置13与所述收款装置信号连接。当所述付款方支付金额时，身份识别装置13用于识别该付款方的身份信息。
身份识别装置13可采用指纹识别传感器、人脸识别传感器、音频传感器等或将它们结合使用，本发明实施例对此不做限定。
支付环境为收款装置11和付款装置12同时所在的场所。该场所例如可以是，车辆、收银台、支付窗口等场所，本发明实施例对此不做限定。
其中，身份识别装置13与收款装置11通过信号连接的方式可采用有线连接方式或无线连接方式，而无线连接方式又可采用蓝牙、Wi-Fi(Wireless-Fidelity，无线保真)、NFC(Near Field Communication，近场通信)、射频通信等连接方式，本发明对此不做限定。
本发明实施例一提供的支付系统10，通过在支付环境中设置身份识别装置，且并与所述收款装置信号连接。当付款方支付金额时，身份识 别装置用于识别该付款方的身份信息。由此可知，在该支付系统中通过将身份识别装置设置在支付环境中，而不是设置在收款装置中，因此无需付款方与收款装置直接接触来完成支付。这既提高了支付的安全性，又方便付款方付款，进而能够提供较高的用户体验。另外，虽然现有的指纹识别单元可放置在付款方的付款装置上，但需要每个付款装置都需要设置指纹识别单元，从而增加付款装置的成本。
可选地，身份识别装置13可包括指纹识别单元131，且当支付环境为车辆时，则身份识别装置13可设置在支付环境中的以下至少一处位置：车辆的内侧车门把手、车辆玻璃升降器按钮、安全带卡扣和座椅侧面调节杆。通过在付款方触摸范围内的区域设置指纹识别单元，付款既安全又方便，从而提供较高用户体验。
举例而言，如图2a所示，若包括指纹识别单元131的身份识别装置13设置在车辆的内侧车门把手上，则乘坐该车的顾客在付款时，只需要在车门把手上的指纹识别单元131按一下即可向收款装置11发送该顾客的身份信息，与此同时车门也将被开启，从而实现兼顾支付安全和支付快捷。
可选地，身份识别装置13可包括人脸识别单元132，且当支付环境为车辆时，则身份识别装置13设置在支付环境中的以下至少一处位置：座椅后背、车辆控制台、安全带卡扣、车辆内的反光镜附近等。如图2b所示，人脸识别单元132设置在座椅靠背上。通过在付款方视野范围内的区域设置指纹识别单元，付款既安全又方便，从而提供较高用户体验。
举例而言，若包括人脸识别单元132的身份识别装置13设置在车辆副驾驶座的安全带卡扣上，则乘坐该车的顾客在付款时，只需在解开安全带卡扣的同时低头面对该安全带卡扣即可核对身份，从而实现兼顾支付安全和支付快捷。
可理解的，上述两个实施例是以支付环境为车辆时所作的举例说明，此外支付环境还可为收银台、支付窗口等场所。例如当支付环境为超市的收银台时，身份识别装置可设置在用于显示金额的显示屏的边缘处，这样顾客在看到物品价格的同时还核对了身份信息，如通过人脸识别核对身份信息，从而提高顾客的支付速度。
可选地，收款装置11内还设置有用于提示付款方的身份信息需要识别的身份识别提示单元111。身份识别提示单元111例如可以是扬声器或显示屏，通过语音或显示画面进行提示，能够提醒付款方及时输入自己的身份信息，进一步提高用户体验。
可选地，如图3所示，收款装置11通过网络与支付控制设备14连接，收款装置11用于向支付控制设备14发送付款方的身份信息和接收支付控制设备14对付款方的身份信息的验证结果。支付控制设备14可以为用于实现支付控制的服务器等设备。
这种通过网络与支付控制设备连接的收款装置，一方面增加了非接触移动支付的适用性和可操作性，使更多人群如老年和儿童能够使用非接触移动支付；另一方面能够使付款方的付款装置无需联网于支付控制设备。从而减少付款装置的网络流量以及避免过多的付款装置同时付款而造成的网络拥堵或网络响应延时。
实施例二
本发明实施例二提供一种支付方法，如图4所示，该支付方法包括如下步骤S21-S23：
步骤S21，付款装置与收款装置在预设距离范围内非直接接触，使得所述收款装置能够接收所述付款装置的付款信息。
例如，收款方先在收款装置中输入消费金额，然后付款方使付款装置与所述收款装置在预设距离范围内非直接接触如感应接触，使得所述收款装置能够接收付款装置的标识码或识别码等信息。预设距离可设为能够接收信号的距离范围内的某一数值例如0.3米、0.8米等，其可由本领域技术人员根据经验设置为一个默认数值，也可根据特定场所来设置某一特定数值，对此发明实施例不做限定。
可选地，在本发明一个具体实施例中，在收款装置接收到付款方输入的消费金额后，步骤S21可包括以下步骤S211-S212：
步骤211，收款装置向付款装置发送提示信息。
可选地，提示信息可至少包括以下一种信息：语音提示信息和视觉提示信息。
步骤212，当付款装置接收收款装置发出的提示信息时，付款装置与收款装置在预设距离范围内非直接接触，使得所述收款装置能够接收 所述付款装置的信息。
上述步骤中收款装置发出的提示信息能够提醒付款方及时输入自己的身份信息，从而提高用户体验。
步骤S22，收款装置接收付款方通过支付环境中的身份识别装置输入的身份信息，其中支付环境为所述收款装置和所述付款装置所在的场所。
身份信息可包括指纹识别信息和/或人脸识别信息。
支付环境可为车辆、收银台、支付窗口等场所。
例如，收款装置和付款装置通过信号连接的方式可采用有线或无线连接方式，无线连接方式又可采用蓝牙、Wi-Fi、NFC、射频通信等连接方式。在收款装置接收付款装置的如装置识别码信息后，付款方通过所述支付环境中的身份识别装置输入身份信息，接下来付款装置向收款装置发送该输入的身份信息，收款装置相应地接收付款方发送的该身份信息。
步骤S23，当付款方的身份信息被验证正确时，所述收款装置扣除所述付款方的消费金额。
本发明实施例二提供的支付方法包括：付款装置与所述收款装置在预设距离范围内非直接接触。在收款装置接收付款装置的信息后，收款装置接收付款方通过支付环境中的身份识别装置输入的身份信息，其中支付环境为所述收款装置和所述付款装置所在的场所。当付款方的身份信息被验证正确时，所述收款装置扣除所述付款方的消费金额。由此可看出，本发明实施例通过在支付环境中设置身份识别装置的方式，既提高了支付的安全性，又无需付款方的身体部位与收款装置直接接触，从而方便付款方付款，进而能够提供较高的用户体验。
由于本发明中的收款装置可与支付控制设备连接，因此，可选地，在本发明的一个具体实施例中，在步骤S22中收款装置接收付款方通过支付环境中的身份识别装置输入的身份信息后，还包括以下步骤：收款装置通过网络将所述身份信息发送至与该收款装置联网的支付控制设备。
这种情况下，步骤S23当所述付款方的身份信息被验证正确时，所述收款装置扣除所述付款方的消费金额可以为，收款装置接收来自 支付控制设备对付款方的身份信息的验证结果，当验证结果为付款方的身份信息正确时，收款装置扣除付款方的消费金额。
这种收款装置通过网络与支付控制设备连接的方式，一方面增加了非接触移动支付的适用性和可操作性，使更多人群如老年和儿童能够使用非接触移动支付；另一方面能够使付款方的付款装置无需联网于支付控制设备。这减少付款装置的网络流量以及避免过多的付款装置同时付款而造成的网络拥堵或网络响应延时。
考虑到付款方在某些情形下支付之前可能不需要验证身份信息便可直接付款，例如的交易金额数目较小或支付场所可被信任的情形。因此，可选地，在本发明的一个具体实施例中，在步骤S21在收款装置中被输入付款方的消费金额后，例如在付款装置与所述收款装置在预设距离范围内非直接接触之前，还包括以下步骤：付款装置确定是否需要进行身份识别。
可根据当前的支付场所是否安全进行交易安全设置状态的设置，也可根据交易金额数目的大小进行小额快捷支付限额的设置，因此付款装置可根据交易安全设置状态和/或小额快捷支付确定是否需要进行身份识别。
可选地，在收款装置中输入付款方的消费金额后，付款方的付款装置根据交易的安全设置状态和/或小额快捷支付限额确定是否要求进行身份识别；若付款方不需要进行身份识别，则在付款装置与收款装置非直接接触且收款装置接收付款装置的信息后，直接从该付款装置中扣除付款方的消费金额。若付款方需要进行身份识别，则在付款装置与收款装置非直接接触且收款装置接收付款装置的信息后，收款装置接收付款方通过支付环境中的身份识别装置输入的身份信息以进行身份识别步骤。
实施例三
根据本发明第三个实施例，还提供了另一种支付系统。图5是本发明实施例提供的另一种支付系统的一种结构示意图。该支付系统50除了包括本发明第一个实施例的支付系统10中的收款装置11、付款装置12以及身份识别装置13之外，还包括支付控制设备14。收款装置11通过网络与支付控制设备14连接。支付控制设备14用于接收收款装置11发送的 付款方的身份信息，并验证付款方的身份信息。收款装置11用于向支付控制设备14发送付款方的身份信息和接收支付控制设备14对付款方的身份信息的验证结果。支付控制设备14可以为用于实现支付控制的服务器等设备。具体实现方式可参见本发明实施例一，在此不再赘述。
实施例四
根据本发明第四个实施例，还提供了一种支付设备60。图6是本发明实施例四提供的支付设备的一种结构示意图。参见图6，该支付设备60包括前述本发明第一个实施例中的收款装置11和身份识别装置13。上述两个装置的具体结构和功能可参见本发明的第一个实施例，在此仅作简要介绍。
根据本发明的一个示例，收款装置11包括收发装置，被配置为与付款装置12建立信号连接，且能够接收付款装置12的信息。身份识别装置13设置在支付环境中且与付款装置12在空间上分离，并且身份识别装置13与收款装置11信号连接，当付款方支付金额时，身份识别装置13用于识别付款方的身份信息，其中支付环境为收款装置11和付款装置12同时所在的场所。
可选地，身份识别装置12包括指纹识别单元。例如，当支付环境为车辆内时，则身份识别装置设置在支付环境中的以下至少一处位置：车辆的内侧车门把手、车辆玻璃升降器按钮、安全带卡扣和座椅侧面调节杆。
可选地，身份识别装置包括人脸识别单元。例如，当支付环境为车辆内时，则身份识别装置设置在支付环境中的以下至少一处位置：车椅后背、车辆控制台、安全带卡扣和车辆内的反光镜附近。
此外，在收款装置11内还设置有用于提示付款方的身份信息需要识别的身份识别提示单元。
本发明实施例提供的支付系统、支付设备及支付方法，在该支付系统中通过将身份识别装置设置在支付环境中，而不是设置在收款装置中，因此无需付款方与收款装置直接接触来完成支付。该支付系统能够既实现支付的安全性，又方便支付，进而能够提供较高的用户体验。
以上所述，仅为本发明的具体实施方式，但本发明的保护范围并不局限 于此，任何熟悉本技术领域的技术人员在本发明揭露的技术范围内，可轻易想到变化或替换，都应涵盖在本发明的保护范围之内。因此，本发明的保护范围应以所述权利要求的保护范围为准。
本申请要求于2015年4月1日递交的中国专利申请第201510152761.3号的优先权，在此全文引用上述中国专利申请公开的内容以作为本申请的一部分。

Claims (19)

  1. 一种支付系统，包括：
    收款装置，
    付款装置，所述付款装置与所述收款装置通过电磁感应连接，使所述收款装置能够接收所述付款装置的信息，
    身份识别装置，所述身份识别装置设置在支付环境中且与所述付款装置在空间上分离，并且所述身份识别装置与所述收款装置信号连接，当所述付款方支付金额时，所述身份识别装置用于识别所述付款方的身份信息，其中所述支付环境为所述收款装置和所述付款装置同时所在的场所。
  2. 根据权利要求1所述的支付系统，其中，所述身份识别装置包括指纹识别单元。
  3. 根据权利要求2所述的支付系统，其中，当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车辆的内侧车门把手、车辆玻璃升降器按钮、安全带卡扣和座椅侧面调节杆。
  4. 根据权利要求1所述的支付系统，其中，
    所述身份识别装置包括人脸识别单元。
  5. 根据权利要求4所述的支付系统，其中，
    当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车椅后背、车辆控制台、安全带卡扣和车辆内的反光镜附近。
  6. 根据权利要求1-5所述的支付系统，其中，
    在所述收款装置内还设置有用于提示所述付款方的身份信息需要识别的身份识别提示单元。
  7. 根据权利要求1-6任一项所述的支付系统，还包括支付控制设备，其中，
    所述收款装置与所述支付控制设备通过网络连接，所述收款装置用于向所述支付控制设备发送所述付款方的身份信息和接收所述支付控制设备对所述付款方的身份信息的验证结果。
  8. 一种支付方法，包括：
    收款装置接收所述付款装置的付款信息，其中，付款装置与收款装置在预设距离范围内非直接接触；
    所述收款装置接收所述付款方通过所述支付环境中的身份识别装置输入的身份信息，其中所述支付环境为所述收款装置和所述付款装置所在的场所；
    当所述付款方的身份信息被验证正确时，所述收款装置扣除所述付款方的消费金额。
  9. 根据权利要求8所述的支付方法，其中，收款装置接收所述付款装置的付款信息包括：
    所述收款装置向所述付款装置发送提示信息；
    当所述付款装置接收所述收款装置发出的提示信息时，收款装置接收所述付款装置的付款信息。
  10. 根据权利要求8所述的支付方法，其中，在所述收款装置接收所述付款方通过所述支付环境中的身份识别装置输入的身份信息后，所述支付方法还包括：
    所述收款装置通过网络将所述身份信息发送至与所述收款装置联网的支付控制设备；
    所述收款装置接收来自所述支付控制设备对所述付款方的身份信息的验证结果，当所述验证结果为所述付款方的身份信息正确时，所述收款装置扣除所述付款方的消费金额。
  11. 根据权利要求8所述的支付方法，其中，在所述收款装置接收到所述付款装置的付款信息后，所述支付方法还包括：
    付款装置确定是否需要进行身份识别；
    当需要时，身份识别装置接收付款方输入的身份信息。
  12. 根据权利要求9所述的支付方法，其中，所述提示信息包括语音提示信息和/或视觉提示信息。
  13. 根据权利要求8-12任一项所述的支付方法，其中，所述身份信息包括指纹识别信息和/或人脸识别信息。
  14. 一种支付设备，包括：
    收款装置，包括收发装置，用于与付款装置建立信号连接，且能 够接收所述付款装置的信息，
    身份识别装置，所述身份识别装置设置在支付环境中且与所述付款装置在空间上分离，并且所述身份识别装置与所述收款装置信号连接，当付款方支付金额时，所述身份识别装置用于识别所述付款方的身份信息，其中所述支付环境为所述收款装置和所述付款装置同时所在的场所。
  15. 根据权利要求14所述的支付设备，其中，所述身份识别装置包括指纹识别单元。
  16. 根据权利要求15所述的支付设备，其中，当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车辆的内侧车门把手、车辆玻璃升降器按钮、安全带卡扣和座椅侧面调节杆。
  17. 根据权利要求14所述的支付设备，其中，
    所述身份识别装置包括人脸识别单元。
  18. 根据权利要求17所述的支付设备，其中，
    当所述支付环境为车辆内时，则所述身份识别装置设置在所述支付环境中的以下至少一处位置：车椅后背、车辆控制台、安全带卡扣和车辆内的反光镜附近。
  19. 根据权利要求14-18所述的支付设备，其中，
    在所述收款装置内还设置有用于提示所述付款方的身份信息需要识别的身份识别提示单元。
PCT/CN2016/075799 2015-04-01 2016-03-07 支付设备、支付系统及支付方法 Ceased WO2016155470A1 (zh)

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CN104715373A (zh) * 2015-04-01 2015-06-17 京东方科技集团股份有限公司 一种支付设备及方法

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CN109285008B (zh) * 2018-09-02 2020-12-29 珠海横琴现联盛科技发展有限公司 结合空间信息的人脸识别支付信息防伪方法

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