WO2017167214A1 - 一种移动支付终端和支付系统 - Google Patents

一种移动支付终端和支付系统 Download PDF

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Publication number
WO2017167214A1
WO2017167214A1 PCT/CN2017/078730 CN2017078730W WO2017167214A1 WO 2017167214 A1 WO2017167214 A1 WO 2017167214A1 CN 2017078730 W CN2017078730 W CN 2017078730W WO 2017167214 A1 WO2017167214 A1 WO 2017167214A1
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account
payment
fingerprint
component
information
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PCT/CN2017/078730
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English (en)
French (fr)
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才华
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中国银联股份有限公司
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Publication of WO2017167214A1 publication Critical patent/WO2017167214A1/zh

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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
    • G06Q20/40—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

Definitions

  • the invention belongs to the field of mobile payment technologies and relates to a mobile payment terminal and a payment system.
  • cardless payment is greatly facilitated by the user's payment (the user does not need to carry any bank card or financial card, nor does it need to swipe the card). It is widely accepted by users, for example, the use of smart phones for cardless payment is becoming more and more widely used.
  • a user usually has multiple bank accounts, that is, multiple bank cards, and each account can be adapted to perform cardless payment on different occasions.
  • biometric authentication technologies such as fingerprint recognition are widely used in the payment authentication process
  • the traditional fingerprint information authentication method cannot achieve flexible association of different accounts of the same user. Therefore, the following methods are usually used to solve the problem: from multiple accounts.
  • Select to determine a default account ie, the default card, for example, the Apple Pay application of the Apple mobile phone needs to set the default card in advance when performing payment authentication
  • the default account replacement operation needs to be performed first, and the same fingerprint information is continued to be used for payment authentication after the replacement.
  • this payment authentication method on the one hand, the operation of replacing the default account is complicated on the one hand, especially when the temporary change of payment is cumbersome, and the flexible selection of the account for payment authentication cannot be realized, thereby greatly reducing the user experience; Multiple accounts correspond to the same fingerprint information. Only the Authenticator of the default account can not perform account identification. Once the fingerprint information is copied, it will cause security risks to all accounts.
  • a mobile payment terminal comprising: a fingerprint identification component for collecting fingerprint information of different fingerprint combinations of users, a storage component, and a user identity verification and account matching component; wherein the user Identity verification and account matching components And performing the identity verification on the fingerprint information of a fingerprint combination collected by the fingerprint identification component by being coupled to the fingerprint identification component and the storage component and based on the fingerprint information of the plurality of fingerprint combinations recorded in the registration phase stored by the storage component. And based on the fingerprint combination information of the fingerprint information collected by the fingerprint identification component, the fingerprint information is matched with one of the account information of the plurality of accounts respectively corresponding to the user generated in the registration phase stored by the storage component.
  • the mobile payment terminal is a smart phone.
  • a mobile payment terminal according to an embodiment of the present invention, wherein the mobile payment terminal is provided with a first near field communication component.
  • a mobile payment terminal according to an embodiment of the present invention, wherein the mobile payment terminal is connected to a payment acceptance terminal based on the first near field communication component at the time of payment.
  • a payment system comprising:
  • a payment acceptance terminal coupled to the mobile payment terminal
  • the background system is provided with an account authentication component that receives fingerprint information collected from the mobile payment terminal and matching account information, and performs from the plurality of accounts of the user based on the matched account information.
  • Account identification performing account verification on the identified account based on the fingerprint information.
  • a payment system according to an embodiment of the present invention, wherein the account authentication component comprises:
  • An account identification subcomponent for performing account identification from a plurality of accounts of the user based on the matched account information, thereby associating the fingerprint information to a corresponding account;
  • a fingerprint verification subcomponent for performing account verification on the identified account based on the fingerprint information is provided.
  • a payment system wherein the payment accepting terminal is provided with a first logical processing component for performing packet assembling and encryption processing on at least matching account information and fingerprint information to form a message;
  • a second logic processing component for performing message parsing and decryption processing on the message is provided in the background system.
  • the payment receiving terminal is further provided with a second near field communication component, a display component, and a message transmitting component.
  • a payment system according to an embodiment of the present invention, wherein the background system is further configured There are a message receiving part and a transaction information sending part.
  • a payment system according to an embodiment of the invention, wherein the background system is coupled to a card issuer.
  • FIG. 1 is a block diagram showing the structure of a payment system according to an embodiment of the present invention, in which a mobile payment terminal according to an embodiment of the present invention is provided and shown.
  • an "account” may be a variety of financial accounts that can complete a payment transaction, for example, it may be an account corresponding to a bank card, which may be formed by opening an account in a financial institution of various card issuers.
  • the payment system of the embodiment of the present invention includes a mobile payment terminal 410, a payment acceptance terminal 420, a background system 430, and a card issuing mechanism 440.
  • the mobile payment terminal 410 can be a smart phone, a palmtop computer, etc., preferably a smart phone, which can be a smart phone with an application payment (APP) installed.
  • APP application payment
  • the mobile payment terminal 410 is provided with a fingerprint identification component 411, which can collect fingerprint information of a fingerprint combination of one or more fingers, wherein “one or more fingers” here reflect “fingerprint combination” . Therefore, the fingerprint recognition component 411 can collect fingerprint information of different fingerprint combinations.
  • the fingerprint combination can be any finger of five fingers, or any two fingers Combine, or even a combination of any three or four fingers.
  • the user can choose to use the fingerprint combination of any finger according to his or her personal habits.
  • the fingerprint combination can be any one of the five finger fingerprints. For example, if the user has 5 accounts, five fingers can be used as fingerprint combinations to correspond to 5 accounts, that is, 5 fingerprint combinations are formed.
  • the corresponding fingerprint information must have corresponding fingerprint combination information, which reflects which finger combination is the fingerprint information.
  • the fingerprint information of the collected middle finger carries the fingerprint combination information of the middle finger.
  • the mobile payment terminal 410 is provided with a storage component 413, and the storage component 413 can store a plurality of tokens (Tokens) generated during the registration phase, each token corresponding to an account of the user, which reflects the account information of the account, which is the user's a virtual representation of the account; if there are N accounts (N is greater than or equal to 2), N tokens are generated; the storage component 413 also stores fingerprint information of multiple fingerprint combinations recorded in the registration phase, and the fingerprint information pair of each fingerprint combination An account of the user should be recorded, for example, fingerprint information of N fingerprint combinations. Specifically, each Token is stored in the storage section 413 in association with the fingerprint information of each fingerprint combination.
  • Tokens tokens
  • each account of the user is bound by the mobile payment terminal 410, and each account generates a Token correspondingly, and fingerprint information of different fingerprint combinations is completed in each binding, thereby Tokens (e.g., Token 1 , Token 2 , ..., Token N ) are stored in the storage unit 413 in association with a corresponding plurality of fingerprint information.
  • Tokens e.g., Token 1 , Token 2 , ..., Token N
  • the mobile payment terminal 410 is further provided with a user identity verification and account matching component 412, which can identify the fingerprint information of a certain fingerprint combination collected by the fingerprint identification component 411 and the fingerprint information stored by the storage component 413.
  • the fingerprint combination information based on the fingerprint information is matched with one of the plurality of Tokens (for example, matched to Token 2 ), and if it cannot be matched with one of the Tokens, it indicates that the fingerprint input is incorrect.
  • the user identity check and account matching component 412 can not only verify the identity but also match the Token of one of the plurality of accounts of the user, such that the first payment authentication can be completed in the mobile payment terminal 410.
  • the mobile payment terminal 410 can be in communication connection with the payment acceptance terminal 420, specifically, NFC (Near Field Communication) implementation, and communication between the two, for example, the NFC component 414 can be provided on the mobile payment terminal 410, and accordingly, A corresponding NFC section 421 is provided on the payment accepting terminal 420, so that based on the NFC section 414 and the NFC section 421, it is possible to transmit a matching Token (e.g., Token 2 ) and corresponding fingerprint information from the mobile payment terminal 410 to the payment accepting terminal 420.
  • NFC Near Field Communication
  • the payment acceptance terminal 420 further includes a first logic processing module 423 that can perform message assembly and encryption processing on the Token (eg, Token 2 ) and the corresponding fingerprint information.
  • the payment accepting terminal 420 is further provided with a display unit 422 and a message transmitting unit 424, wherein the display unit 422 can display the progress of the transaction processing, and the message transmitting unit 424 can pass the assembled and encrypted message. Sent to the background system 430.
  • the background system 430 is provided with a message receiving unit 431 corresponding to the message transmitting unit 424.
  • the message transmitting unit 424 is provided with an interactive communication connection with the message receiving unit 431.
  • the background system 430 is also provided with a second logic processing module 433 for performing message parsing and decryption processing on the received message.
  • the backend system 430 is mainly provided with an account authentication component 434, which performs account identification from a plurality of accounts of the user based on the fingerprint information and the Token (for example, Token 2 ) in the parsed message, and identifies the pair based on the fingerprint information.
  • account authentication component 434 which performs account identification from a plurality of accounts of the user based on the fingerprint information and the Token (for example, Token 2 ) in the parsed message, and identifies the pair based on the fingerprint information.
  • Token for example, Token 2
  • the account authentication component 434 includes an account identification sub-component 4341 and an account identification sub-component 4342.
  • the account identification sub-component 4341 may be associated with a certain account of the user in the background system 430 based on the Token in the message, where the Token represents matching account information, which may reflect the fingerprint combination information of the fingerprint information entered by the user. , that is, the account identification is completed based on the matched account information.
  • the account identification sub-component 4432 performs account verification on the identified account (ie, the associated account) based on the fingerprint information in the message, thereby completing the second payment authentication.
  • the back-end system 430 is further provided with a transaction information sending module 432, which can send at least the transaction information through the payment authentication to the card issuer 440, and the card issuer 440 can, for example, complete the authorization in the transaction process and return the transaction information to the background system 430. And finally return to the mobile payment terminal 410.
  • a transaction information sending module 432 which can send at least the transaction information through the payment authentication to the card issuer 440, and the card issuer 440 can, for example, complete the authorization in the transaction process and return the transaction information to the background system 430. And finally return to the mobile payment terminal 410.
  • the authentication process can be realized twice, and the security of the payment transaction is high. In this way, visa-free and password-free payment can be made for small or non-small transactions, and the transaction security is guaranteed while the transaction complexity is reduced.
  • the user can input the fingerprint of the corresponding fingerprint combination according to the account to be selected during the transaction process, for example, the middle finger corresponding to the middle finger input fingerprint, without setting the default account nor being restricted by the default account, the user can flexibly Select an account to make a payment, and when you need to change the payment account, switch the input finger, so It is very convenient and flexible to select and switch payment accounts.
  • the user closes the mobile payment terminal 410 to the payment acceptance terminal 420, and according to an account to be used, the fingerprint information of the input fingerprint combination can be used to perform cardless payment using the account. Easy to operate and user experience.
  • the payment of the mobile payment terminal and the payment system of the above embodiment is safe, and the default account does not need to be set for multiple accounts of the user, and the selection and switching between the multiple accounts of the user are convenient and flexible, and the user payment experience is good.

Abstract

本发明提供一种移动支付终端和支付系统，属于移动支付技术领域。本发明的移动支付终端包括：用于采集用户的不同指纹组合的指纹信息的指纹识别部件、存储部件和用户身份校验及账户匹配部件；本发明的支付系统包括所述移动支付终端、支付受理终端以及后台系统；其中，所述后台系统中设置有账户认证部件。本发明的移动支付终端和支付系统的支付安全好，多个账户之间的选择、切换也方便灵活，用户支付体验好。

Description

一种移动支付终端和支付系统 技术领域
本发明属于移动支付技术领域，涉及移动支付终端和支付系统。
背景技术
在线上支付或者线下支付的过程中，一般都需要对进行支付认证过程以保证支付的安全性。并且，随着网络支付技术的发展，无卡支付由于能给用户的支付带来极大的便利性(用户不需携带任何银行卡或金融卡、也不需要刷卡操作)，其越来越被用户广泛接受，例如，采用智能手机进行无卡支付被越来越广泛使用。
当前，一个用户通常有多个银行账户，也即有多个银行卡，每个账户可以分别适合于在不同的场合进行无卡支付。
尽管指纹识别等生物验证技术在支付认证过程中被广泛使用，但是，传统的指纹信息认证方法不能实现同一用户的不同账户的灵活关联，因此，通常采用以下办法来解决该问题：从多个账户中选择确定一个默认账户(即默认卡，例如的苹果手机的Apple Pay应用在进行支付认证时需要提前设置默认卡)，采用多个账户对应相同的指纹信息并基于该相同的指纹信息进行支付认证。这样，在例如默认账户余额不够或默认账户异常的情况下，需要首先进行默认账户更换操作，并且更换后会继续采用相同的指纹信息进行支付认证。
然后，这种支付认证方法，一方面，更换默认账户的操作一方面是复杂的，特别是在支付的临时更改时很繁琐，无法实现灵活选择账户进行支付认证，大大降低用户体验；另一方面，多个账户对应相同的指纹信息，只能对默认账户进行认证人不能进行账户识别，一旦指纹信息被复制，导致对所有的账户产生安全隐患。
有鉴于此，有必要提出一种新型的移动支付终端和支付系统。
发明内容
按照本发明的一方面，提供一种移动支付终端，其包括：用于采集用户的不同指纹组合的指纹信息的指纹识别部件、存储部件和用户身份校验及账户匹配部件；其中，所述用户身份校验及账户匹配部件分 别与所述指纹识别部件和存储部件耦接并且基于所述存储部件存储的在注册阶段记录的多个指纹组合的指纹信息对所述指纹识别部件采集的一指纹组合的指纹信息进行身份校验、基于所述指纹识别部件采集的该指纹信息的指纹组合信息实现该指纹信息与所述存储部件存储的在注册阶段生成的分别对应用户的多个账户的账户信息的一个相匹配。
在一实施例中，所述移动支付终端为智能手机。
根据本发明一实施例的移动支付终端，其中，所述移动支付终端设置有第一近场通信部件。
根据本发明一实施例的移动支付终端，其中，所述移动支付终端在支付时基于所述第一近场通信部件与支付受理终端连接。
按照本发明的又一方面，提供一种支付系统，其包括：
以上所述及的任一种移动支付终端；
与所述移动支付终端耦接的支付受理终端；以及
与所述支付受理终端耦接的后台系统；
其中，所述后台系统中设置有账户认证部件，其接收来自所述移动支付终端所采集的指纹信息和匹配的账户信息，并且基于所述匹配的账户信息从所述用户的多个账户中进行账户识别、基于所述指纹信息对识别的账户进行账户验证。
根据本发明一实施例的支付系统，其中，所述账户认证部件包括：
账户识别子部件，其用于基于所述匹配的账户信息从所述用户的多个账户中进行账户识别，从而将该指纹信息关联到相应的账户；以及
指纹验证子部件，其用于基于所述指纹信息对识别的账户进行账户验证。
根据本发明一实施例的支付系统，其中，所述支付受理终端中设置有用于至少对匹配的账户信息和指纹信息进行报文组装和加密处理以形成报文的第一逻辑处理部件；所述后台系统中设置有用于对所述报文进行报文解析和解密处理的第二逻辑处理部件。
根据本发明一实施例的支付系统，其中，所述支付受理终端中还设置有第二近场通信部件、显示部件、报文发送部件。
根据本发明一实施例的支付系统，其中，所述后台系统中还设置 有报文接收部件和交易信息发送部件。
根据本发明一实施例的支付系统，其中，所述后台系统与发卡机构耦接。
根据以下描述和附图本发明的以上特征和操作将变得更加显而易见。
附图说明
从结合附图的以下详细说明中，将会使本发明的上述和其他目的及优点更加完整清楚，其中，相同或相似的要素采用相同的标号表示。
图1是按照本发明一实施例的支付系统的模块结构示意图，其中设置并示出了本发明一实施例的移动支付终端。
具体实施方式
现在将参照附图更加完全地描述本发明，附图中示出了本发明的示例性实施例。但是，本发明可按照很多不同的形式实现，并且不应该被理解为限制于这里阐述的实施例。相反，提供这些实施例使得本公开变得彻底和完整，并将本发明的构思完全传递给本领域技术人员。
在本文中，“账户”可以是各种可以完成支付交易的金融账户，例如，其可以为银行卡对应的账户，其可以在各种发卡机构的金融机构中开户形成。
图1所示为按照本发明一实施例的支付系统的模块结构示意图，其中设置并示出了本发明又一实施例的支付系统。如图1所示，本发明实施例的支付系统包括移动支付终端410、支付受理终端420、后台系统430以及发卡机构440。其中，移动支付终端410可以为智能手机、掌上电脑等，优选地为智能手机，其可以为安装支付应用(APP)的智能手机。
继续如图1所示，移动支付终端410设置有指纹识别部件411，其可以采集一个或多个手指的指纹组合的指纹信息，其中，“一个或多个手指”在此即反映“指纹组合”。因此，指纹识别部件411可以采集不同指纹组合的指纹信息。
指纹组合可以是五个指头的任意一个手指、或者任意两个手指的 组合、或者甚至任意三个或四个手指的组合。用户可以根据自身个人习惯选择使用任意手指的指纹组合，优选地，指纹组合可以为5个手指的任意一个手指指纹。例如，如果用户有5个账户，可以采用五个手指分别作为指纹组合来对应5个账户，即形成5个指纹组合。
需要说明的是，对应采集的指纹信息中必然同时具有相应的指纹组合信息，其反映该指纹信息是哪些手指的组合，例如，采集的中指的指纹信息中，其携带该中指的指纹组合信息。
移动支付终端410设置有存储部件413，存储部件413可以存储注册阶段生成的多个令牌(Token)，每个令牌即对应该用户的一个账户，其反映该账户的账户信息，是用户的账户的虚拟表达形式；如果存在N个账户(N大于或等于2)，则生成N个Token；存储部件413还存储注册阶段记录的多个指纹组合的指纹信息，每个指纹组合的指纹信息对应该用户的一个账户，例如，记录N个指纹组合的指纹信息。具体地，每个Token与每个指纹组合的指纹信息关联地存储在存储部件413中。
具体地，在注册过程中，通过移动支付终端410绑定用户的每个账户，每个账户对应生成一个Token，并在每次绑定中完成不同指纹组合的指纹信息的录入，从而将多个Token(例如Token1、Token2、…、TokenN)和相应的多个指纹信息关联地存储在存储部件413中。
继续如图1所示，移动支付终端410还设置有用户身份校验及账户匹配部件412，其可以将指纹识别部件411采集的某一指纹组合的指纹信息与存储部件413存储的指纹信息进行身份校验、并基于该指纹信息的指纹组合信息完成与多个Token中的一个相匹配(例如匹配到Token2)，如果不能完成与其中一个Token匹配，则表示指纹输入错误。因此，用户身份校验及账户匹配部件412不但能校验身份而且能匹配到该用户的多个账户的其中一个账户的Token，这样在移动支付终端410中可以完成第一次支付认证。
移动支付终端410可以与支付受理终端420通信连接，具体地，采用NFC(近场通信)实现而二者之间的通信，例如，可以在移动支付终端410上设置NFC部件414，相应地，也在支付受理终端420上设置相应的NFC部件421，从而基于NFC部件414和NFC部件421，可以实现从移动支付终端410向支付受理终端420传输匹配的Token (例如Token2)和相应的指纹信息。
继续如图1所示，支付受理终端420还包括第一逻辑处理模块423，其可以对包括接收的Token(例如Token2)和相应的指纹信息来进行报文的组装和加密处理。在一实施例中，支付受理终端420还设置有显示部件422和报文发送部件424，其中，显示部件422可以显示交易处理进度，报文发送部件424可以通过将组装和加密处理后的报文发送至后台系统430。
继续如图1所示，后台系统430对应于报文发送部件424设置有报文接收部件431。报文发送部件424设和报文接收部件431之间相互交互通信连接。后台系统430也相应地设置有第二逻辑处理模块433，其用于对接收到的报文进行报文解析和解密处理。
后台系统430中主要地设置有账户认证部件434，其基于解析后的报文中的指纹信息和Token(例如Token2)，从用户的多个账户中进行账户识别，并且基于该指纹信息对识别的账户进行账户验证。
具体地，在一实施例中，账户认证部件434包括账户识别子部件4341和账户识别子部件4342。其中，账户识别子部件4341可以基于报文中的Token来在后台系统430中关联到用户的某一账户，此处的Token表示匹配的账户信息，其可以反映用户录入的指纹信息的指纹组合信息，也即基于匹配的账户信息完成了账户识别。账户识别子部件4342基于报文中的指纹信息对识别的账户(即关联到的账户)进行账户验证，从而完成第二次的支付认证。
后台系统430中还设置有交易信息发送模块432，其可以至少将通过支付认证的交易信息上送到发卡机构440，发卡机构440例如可以完成交易过程中的授权，并返回交易信息至后台系统430，并最终返回至移动支付终端410。
因此，在该实施例的支付系统中，可以实现两次认证过程，支付交易的安全性高。这样，可以对小额或非小额的交易进行免签和免密码支付，交易繁琐程度降低的同时，交易安全性能得到保证。
而且尤其地，用户在交易过程中可以根据欲选择使用的账户来输入相应的指纹组合的指纹，例如对应中指的账户输入中指指纹，不需要设置默认账户也不受默认账户的限制，可以灵活地选择某个账户进行支付，并且在需要更换支付账户时，切换输入的手指即可，因此， 选择、切换支付账户非常方便、灵活性好。
在实际支付的过程中，对应用户端，用户将移动支付终端410靠近支付受理终端420，并根据欲使用的某个账户，对应输入指纹组合的指纹信息即可完成使用该账户进行无卡支付，操作方便，用户体验好。
因此，以上实施例的移动支付终端和支付系统的支付安全好，并且不需要针对用户的多个账户设置默认账户，用户的多个账户之间的选择、切换也方便灵活，用户支付体验好。
将理解，当据称将部件“连接”或“耦接”到另一个部件时，它可以直接连接或耦接到另一个部件或可以存在中间部件。
以上例子主要说明了本发明的各种移动支付终端和支付系统。尽管只对其中一些本发明的实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (10)

  1. 一种移动支付终端，其特征在于，包括：用于采集用户的不同指纹组合的指纹信息的指纹识别部件、存储部件和用户身份校验及账户匹配部件；其中，所述用户身份校验及账户匹配部件分别与所述指纹识别部件和存储部件耦接并且基于所述存储部件存储的在注册阶段记录的多个指纹组合的指纹信息对所述指纹识别部件采集的一指纹组合的指纹信息进行身份校验、基于所述指纹识别部件采集的该指纹信息的指纹组合信息实现该指纹信息与所述存储部件存储的在注册阶段生成的分别对应用户的多个账户的账户信息的一个相匹配。
  2. 如权利要求1所述的移动支付终端，其特征在于，所述移动支付终端为智能手机。
  3. 如权利要求1或2所述的移动支付终端，其特征在于，所述移动支付终端设置有第一近场通信部件。
  4. 如权利要求3所述的移动支付终端，其特征在于，所述移动支付终端在支付时基于所述第一近场通信部件与支付受理终端连接。
  5. 一种支付系统，其特征在于，包括：
    如权利要求1至4中任一项所述的移动支付终端；
    与所述移动支付终端耦接的支付受理终端；以及
    与所述支付受理终端耦接的后台系统；
    其中，所述后台系统中设置有账户认证部件，其接收来自所述移动支付终端所采集的指纹信息和匹配的账户信息，并且基于所述匹配的账户信息从所述用户的多个账户中进行账户识别、基于所述指纹信息对识别的账户进行账户验证。
  6. 如权利要求5所述的支付系统，其特征在于，所述账户认证部件包括：
    账户识别子部件，其用于基于所述匹配的账户信息从所述用户的多个账户中进行账户识别，从而将该指纹信息关联到相应的账户；以及
    指纹验证子部件，其用于基于所述指纹信息对识别的账户进行账户验证。
  7. 如权利要求5所述的支付系统，其特征在于，所述支付受理终 端中设置有用于至少对匹配的账户信息和指纹信息进行报文组装和加密处理以形成报文的第一逻辑处理部件；所述后台系统中设置有用于对所述报文进行报文解析和解密处理的第二逻辑处理部件。
  8. 如权利要求7所述的支付系统，其特征在于，所述支付受理终端中还设置有第二近场通信部件、显示部件、报文发送部件。
  9. 如权利要求7所述的支付系统，其特征在于，所述后台系统中还设置有报文接收部件和交易信息发送部件。
  10. 如权利要求5所述的支付系统，其特征在于，所述后台系统与发卡机构耦接。
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