WO2017215402A1 - 双向验证移动支付方法及系统 - Google Patents

双向验证移动支付方法及系统 Download PDF

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Publication number
WO2017215402A1
WO2017215402A1 PCT/CN2017/085011 CN2017085011W WO2017215402A1 WO 2017215402 A1 WO2017215402 A1 WO 2017215402A1 CN 2017085011 W CN2017085011 W CN 2017085011W WO 2017215402 A1 WO2017215402 A1 WO 2017215402A1
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WIPO (PCT)
Prior art keywords
mobile payment
payment
publisher
information
payment terminal
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PCT/CN2017/085011
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English (en)
French (fr)
Inventor
沈志嵘
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to KR1020187032911A priority Critical patent/KR102270774B1/ko
Priority to JP2018565357A priority patent/JP6723386B2/ja
Publication of WO2017215402A1 publication Critical patent/WO2017215402A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • 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
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • 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

Definitions

  • the present invention relates to the field of mobile payment technologies, and more particularly to a two-way verification mobile payment method and system.
  • the verification object of mobile payment in security verification is generally only the payer, but the verification of the opposite end of the transaction (ie, the payee) is almost blank.
  • some responses may be fraudulent links (such as criminals who are bound to other mobile cards after they are connected to the mobile phone), making the payers vulnerable to fraud. Therefore, the existing security verification is not perfect, Users have brought security problems.
  • the present invention provides a technical solution as follows:
  • a two-way verification mobile payment method for performing electronic payment between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a receiver comprising the following steps: a), a second mobile payment terminal Receiving first information from the first mobile payment terminal, the first information including the intention of the publisher and the biometric of the publisher; b) the second mobile payment terminal verifying the biometric of the publisher; c), the biometric of the publisher passes After verification, the second mobile payment terminal acquires and verifies the biometric of the recipient; d), the recipient's creature After the feature verification is passed, the second mobile payment terminal generates the second information based on the intention of the receiver; e) the first mobile payment terminal receives the second information from the second mobile payment terminal; f), the first mobile payment terminal is based on the second The information completes the payment interaction with the second mobile payment terminal.
  • it further comprises performing the following step s) before the step a): the publisher uses the first mobile payment terminal to create a new payment buddy list, the payment buddy list includes at least one payment buddy; the first mobile payment terminal and the payment buddy list each The mobile payment terminal held by a payment friend separately performs data interaction to realize: storing the biometric feature of the publisher on the mobile payment terminal held by each payment friend.
  • step t) before step a), after step s): the publisher selects at least one payment friend from the list of payment buddies as the recipient.
  • the present invention also provides another technical solution as follows:
  • a two-way verification mobile payment method for performing electronic payment between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a receiver comprising the following steps: a), the first mobile payment terminal The third party platform sends the first information, the first information includes the publisher's intention and the publisher's biometrics; b) the third party platform verifies the publisher's biometrics; c) the publisher's biometrics are verified, and the third party The platform forwards the third information to the second mobile payment terminal; wherein the third information includes at least the publisher's intention; d) the second mobile payment terminal is based on the publisher's intention, the recipient's intention, and the recipient's biometric generation The second information; e), the second mobile payment terminal sends the second information to the third-party platform; f), the third-party platform verifies the biometric of the recipient; g), after the biometric of the recipient is verified, the third-party platform The fourth information is forwarded to the first mobile payment a terminal; wherein the fourth information includes
  • the publisher uses the first mobile payment terminal to create a new payment buddy list, the payment buddy list includes at least one payment buddy; the first mobile payment terminal and the payment buddy list each The mobile payment terminals held by a payment friend respectively perform data interaction via a third-party platform to: store the biometrics of the publisher on the third-party platform; and store the biometrics of each payment friend on the third-party platform respectively.
  • step t) before step a), after step s): the publisher selects at least one payment friend from the list of payment buddies as the recipient.
  • the present invention also provides a two-way verification mobile payment system for performing payment interaction between at least two mobile payment terminals, wherein the mobile payment terminal includes a payment friend management unit and a biometrics capture unit, and the payment friend management unit is used for Managing a payment buddy list of the mobile payment terminal holder, the biometric capture unit is configured to capture biometric characteristics of the mobile payment terminal holder, the system comprising: a first mobile payment terminal, configured to send the first information and receive the fourth information Wherein the first information includes an intention of the first mobile payment terminal holder and the biometric, the fourth information includes at least an intention of the second mobile payment terminal holder; and the second mobile payment terminal is configured to send the second information and Receiving third information; wherein the second information includes an intention of the second mobile payment terminal holder and a biometric, the third information includes at least an intention of the first mobile payment terminal holder; and a third party platform, respectively And the second mobile payment terminal performs data interaction, including the biometric storage unit and the biological Sign verification unit, wherein the third-party platform for receiving the
  • the two-way verification mobile payment method and system provided by the embodiments of the present invention provide a more secure electronic payment method through two-way verification, ensuring security and credibility on both sides of the payment, and is simple to implement and has good promotion value, and is very suitable.
  • Various payment trading scenarios in real life are also beneficial to improve the fluency of the payment interaction process, thereby bringing a better user experience.
  • FIG. 1 is a flow chart showing a two-way verification mobile payment method according to a first embodiment of the present invention.
  • FIG. 2 is a flow chart showing a two-way verification mobile payment method according to a second embodiment of the present invention.
  • FIG. 3 shows a schematic diagram of a two-way verification mobile payment system in accordance with the present invention.
  • the two-way verification mobile payment method is configured to perform electronic payment interaction between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a receiver.
  • first and second mobile payment terminals are not meant to be merely one mobile payment terminal, nor do they indicate a one-to-one communication interaction between the two.
  • the first and second mobile payment terminals may each have multiple, and may adopt one-to-one, one-to-many, many-to-one, many-to-many various communication interaction modes.
  • a two-way verification mobile payment method includes the following steps:
  • Step S10 The second mobile payment terminal receives the first information from the first mobile payment terminal, where the first information includes the intention of the publisher and the biometric of the publisher.
  • the first mobile payment terminal may desire to pay a certain amount to the second mobile payment terminal (eg, purchase an item to the micro-business, pay a meal to a friend, etc.) or ask it to pay a certain amount (eg, the school collects money from the student's parent)
  • the first mobile terminal combines the publisher's intention and the biometric of the publisher into the first information, and transmits it to the second mobile payment terminal held by the receiver.
  • the first and second mobile terminals can communicate via a mobile communication network or a wireless communication network (eg, WIFI mode, Bluetooth mode).
  • the publisher's intentions include but are not limited to: requesting payment instructions, requesting payment instructions.
  • the request for payment instruction indicates that the publisher requests the recipient to pay the corresponding amount, and the request for the payment instruction indicates that the publisher requests to pay the corresponding amount to the recipient.
  • the publisher's intent can be formed by the publisher entering a specific payment amount (whether it wants to pay or want the other party to pay) and selecting a specific recipient, or the publisher can forward the transaction information with the merchant to the recipient. Formed; the publisher's intent can be embodied by a message, a link, or an image (such as a two-dimensional code).
  • the publisher's biometrics may include the publisher's facial features, fingerprint features, and handwritten signatures.
  • Step S11 The second mobile payment terminal verifies the biometric of the publisher.
  • the second mobile payment terminal After receiving the first information, the second mobile payment terminal The publisher's biometrics are parsed or extracted and verified.
  • the second mobile payment terminal stores the biometric of the publisher in advance, and can further verify the biometric characteristics of the publisher included in the first information.
  • the second mobile payment terminal may compare the publisher biometrics received in the current interaction with the publisher biometrics received in the previous interaction to perform verification.
  • Step S12 After the biometric of the publisher passes the verification, the second mobile payment terminal acquires and verifies the biometric of the recipient.
  • the second mobile payment terminal verifies and verifies the biometrics of its holder (ie, the recipient) after passing the publisher biometric.
  • the first and second mobile terminals each include a biometrics acquiring device, such as a touch screen (for acquiring fingerprint features, a handwritten signature), and a camera device (for acquiring facial features).
  • a biometrics acquiring device such as a touch screen (for acquiring fingerprint features, a handwritten signature), and a camera device (for acquiring facial features).
  • the second mobile payment device requires the recipient to input its own biometrics and verify the biometric to determine whether the current holder is the owner of the second mobile terminal, determining the current After the holder is the owner of the second mobile terminal, the payment interaction process can be continued.
  • the above verification of the biometric characteristics of the recipient can effectively prevent the unincorporated entity from binding to the mobile phone and binding the other bank card to return the consent to the publisher.
  • Step S13 After the biometric verification of the recipient is passed, the second mobile payment terminal generates the second information based on the intention of the recipient.
  • the recipient intends to include but is not limited to: agree to pay the response and agree to receive The response, wherein the consent payment response indicates that the recipient agrees to pay the publisher a corresponding amount, and agreeing to receive the response indicates that the recipient agrees to receive the corresponding amount from the publisher.
  • the recipient inputs its intention into the second mobile payment terminal held by the second mobile payment terminal, and the second mobile payment terminal generates the second information, and then sends back to the first mobile payment terminal.
  • Step S14 The first mobile payment terminal receives the second information from the second mobile payment terminal.
  • the first information and the second information may have a configurable life cycle.
  • the first mobile payment terminal fails to receive the second information.
  • a reminder payment message will be generated after the payment period expires, and the recipient will always remind the recipient if it has not paid until the first information expires.
  • the life cycle of the first information is any of the following: (1) the recipient completes the payment;
  • the first information may be regenerated and retransmitted. If the recipient is multiple, only the unpaid recipient is issued when resending.
  • Step S15 The first mobile payment terminal completes the payment interaction with the second mobile payment terminal based on the second information.
  • the first mobile payment terminal receives the second information, which reflects the recipient's intent, which may indicate whether the recipient agrees to pay the publisher, how much to pay, or whether the recipient agrees to the publisher Receive the amount and how much to receive.
  • the first mobile payment terminal may complete with the second mobile payment terminal The entire payment interaction process.
  • the transfer of the specific account amount is realized by the mobile payment server of the management account.
  • the above two-way verification mobile payment method can ensure security and credibility on both sides of the payment, and is simple to implement.
  • step S10 additional steps are performed before step S10; and by these additional steps, the second mobile payment terminal held by the recipient will be able to know and store the payer's biometrics in advance, thereby In the actual payment interaction process, the payer biometrics included in the first information are verified; the additional steps are as follows:
  • the publisher uses the first mobile payment terminal to create a new payment buddy list.
  • the payment buddy list includes at least one payment buddy.
  • the first mobile payment terminal performs data interaction with the mobile payment terminal held by each payment friend in the payment buddy list, and stores the biometric of the publisher on the mobile payment terminal held by each payment buddy.
  • the publisher can select any one or more payment buddies as the recipient from the payment buddy list, and then perform the method of the first embodiment.
  • the second embodiment of the present invention provides another two-way verification mobile payment method, which is different from the first embodiment in that it uses a third-party platform as a special verification device for verifying the biometric characteristics of both the publisher and the receiver. . As shown in FIG. 2, it includes the following steps:
  • Step S20 The first mobile payment terminal sends the first information to the third-party platform, where the first information includes the intention of the publisher and the biometric of the publisher.
  • the publisher's intent includes requesting a payment instruction, requesting a payment instruction.
  • the request for payment instruction indicates that the publisher requests the specific recipient to pay the corresponding amount
  • the request for the payment instruction indicates that the publisher requests to pay the corresponding amount to the specific recipient.
  • the publisher maintains a list of payment buddies at the first mobile payment terminal held by the publisher, and the publisher can select any one or more payment buddies from the list of payment buddies as the recipient.
  • An implementation of a payment buddy list is described below.
  • the biometric of the publisher is, for example, the facial features of the publisher. But it can also include fingerprint features as well as handwritten signatures.
  • the third party platform can communicate with the first and second mobile payment terminals respectively via the mobile communication network and the wireless communication network.
  • the third-party platform is set up based on the cloud computing mode, or can be implemented in a distributed deployment manner, which can improve the verification efficiency.
  • Step S21 The third party platform verifies the biometric of the publisher.
  • the third-party platform may separately store the biometrics of the publisher and the receiver in advance.
  • step S20 the following additional steps may be performed before step S20:
  • the publisher uses the first mobile payment terminal to create a new payment buddy list, which includes at least one payment buddy.
  • the first mobile payment terminal and the mobile payment terminal held by each payment friend in the payment buddy list respectively perform data interaction via the third-party platform, so as to store the biometric features of the publisher on the third-party platform, and respectively Paying a friend's biometric store On a third-party platform.
  • the third party platform verifies the biometric of the publisher and notifies the second mobile payment terminal of the verification result.
  • Step S22 After the biometric of the publisher passes the verification, the third party platform forwards the third information to the second mobile payment terminal.
  • the third party platform After the publisher biometric is verified by the third party platform, the third party platform forms the third information. Specifically, the third information includes at least the intent of the publisher, and may carry the verification result obtained in the previous step S21. As a possible implementation, the third information is obtained by removing the publisher biometric from the first information and increasing the verification result of the publisher biometric.
  • Step S23 The second mobile payment terminal generates the second information based on the intention of the publisher, the intention of the recipient, and the biometric of the recipient.
  • the second mobile payment terminal receives a user input, the input reflects the intention of the recipient, and the intention of the recipient includes agreeing to the payment response and agreeing to receive the response, wherein the consent payment response indicates that the recipient agrees to
  • the publisher pays the corresponding amount (corresponding to the publisher intent included in the third information), agreeing to receive the response indicating that the recipient agrees to receive the corresponding amount from the publisher (corresponding to the publisher intent included in the third information).
  • the second mobile payment terminal acquires the biometrics of its holder (ie, the recipient) and combines the recipient biometric with the publisher's intent and the recipient's intent to form the second information.
  • the second information carries the recipient biometric in addition to indicating how much the recipient agrees to pay or how much to agree to receive.
  • Step S24 The second mobile payment terminal sends the second information to the third-party platform.
  • Step S25 The third party platform verifies the biometric of the recipient.
  • the third-party platform completely implements the two-way verification process by verifying the biometric characteristics of the recipient, and can effectively prevent the unincorporated entity from binding to the mobile phone and binding the other bank card to return the consent to the publisher. Greatly improve the security of electronic (mobile) payments.
  • the verification of the biometrics of the publisher and the verification of the biometrics of the recipient may be implemented by a dedicated module (unit) on a third-party platform, which adopts a uniform and efficient feature extraction algorithm and a pattern recognition algorithm. This allows biometric verification to always follow a uniform standard, which increases the efficiency of verification and ensures that the verification results are accurate and reliable.
  • Step S26 After the biometric of the recipient passes the verification, the third party platform forwards the fourth information to the first mobile payment terminal.
  • the third-party platform generates fourth information, where the fourth information includes at least the intention of the recipient, and may carry the verification result of the biometric of the recipient.
  • the fourth information is obtained by removing the recipient biometric from the second information and increasing the verification result of the biometric of the recipient.
  • Step S27 The first mobile payment terminal completes the payment interaction with the second mobile payment terminal based on the fourth information.
  • the first mobile payment terminal and the second mobile payment terminal complete the entire payment interaction process.
  • the transfer of a specific amount is accomplished via a mobile payment server, which is well known to those skilled in the art.
  • the first and second mobile payment ends are The end of the process does not need to perform biometric verification work, but only needs to obtain the verification result from the third-party platform, and the entire payment interaction process can be performed more smoothly.
  • the second embodiment introduces a third-party platform for performing verification work
  • the second embodiment can significantly improve the verification efficiency and improve the fluency of the payment interaction process, thereby bringing better users.
  • the second embodiment can significantly improve the verification efficiency and improve the fluency of the payment interaction process, thereby bringing better users.
  • a third embodiment of the present invention provides a two-way authentication mobile payment system including at least one first mobile payment terminal 31, at least one second mobile payment terminal 32, and a third party platform 30.
  • the mobile payment terminal (whether first or second) includes a payment friend management unit for managing a payment buddy list of the mobile payment terminal holder, and a biometrics capture unit for capturing the mobile Pay the biometrics of the terminal holder.
  • the first mobile payment terminal 31 transmits the first information and receives the fourth information; wherein the first information includes the intention of the first mobile payment terminal holder and the biometric feature, and the fourth information includes at least the second mobile payment terminal. The intention of the holder.
  • the second mobile payment terminal 32 transmits the second information and receives the third information; wherein the second information includes the intention of the second mobile payment terminal holder and the biometric feature, and the third information includes at least the first mobile payment terminal holder intention.
  • the third-party platform 30 includes a biometric storage unit 301 for storing biometrics of each mobile payment terminal, and a biometric verification unit 302 for verifying biometrics of each mobile payment terminal.
  • the third party platform 30 and the first and second mobile payment terminals 31, 32, respectively can receive the first information and send the third information, and the third-party platform can simultaneously receive the second information and send the fourth information.
  • the third information may be obtained by removing the publisher biometric from the first information, increasing the verification result of the publisher biometric
  • the fourth information may be by removing the recipient biometric from the second information, Obtained by increasing the verification result of the recipient's biometrics.

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Abstract

本发明涉及一种双向验证移动支付方法，包括如下步骤：第二移动支付终端从第一移动支付终端接收第一信息，第一信息包括发布者的意图以及发布者的生物特征；第二移动支付终端验证发布者的生物特征；发布者的生物特征通过验证后，第二移动支付终端获取并验证接收者的生物特征；接收者的生物特征验证通过后，第二移动支付终端基于接收者的意图生成第二信息；第一移动支付终端从第二移动支付终端接收第二信息；第一移动支付终端基于第二信息完成与第二移动支付终端之间的支付交互。其经由双向验证提供更安全的电子支付方式，确保了支付两侧的安全可信，实现简单、也具有很好的推广价值，非常适用于现实生活中的各种支付交易场景。

Description

双向验证移动支付方法及系统 技术领域
本发明涉及移动支付技术领域，更具体地说，涉及一种双向验证移动支付方法及系统。
背景技术
目前移动支付在安全验证方面的验证对象一般仅仅是支付者，但是对于交易的对端(即收款者)的验证几乎是空白的。然而，在现实中，有些应答可能是诈骗链接(比如不法分子捡到手机后绑定了其他银行卡而发送)，使得支付者容易受到欺骗，因此，现有的安全验证还不是很完善，给用户带来了安全方面的困扰。
本领域技术人员期望获得一种经由双向验证、进而提供更安全的电子支付方式的双向验证移动支付方法。
发明内容
本发明的目的在于提供一种双向验证移动支付方法。
为实现上述技术目的，本发明提供一种技术方案如下：
一种双向验证移动支付方法，用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付，该方法包括如下步骤：a)、第二移动支付终端从第一移动支付终端接收第一信息，第一信息包括发布者的意图以及发布者的生物特征；b)、第二移动支付终端验证发布者的生物特征；c)、发布者的生物特征通过验证后，第二移动支付终端获取并验证接收者的生物特征；d)、接收者的生物 特征验证通过后，第二移动支付终端基于接收者的意图生成第二信息；e)、第一移动支付终端从第二移动支付终端接收第二信息；f)、第一移动支付终端基于第二信息完成与第二移动支付终端之间的支付交互。
优选地，其还包括在步骤a)之前执行如下步骤s)：发布者利用第一移动支付终端新建支付好友列表，支付好友列表包括至少一个支付好友；第一移动支付终端与支付好友列表中每一支付好友所持的移动支付终端分别进行数据交互以实现：将发布者的生物特征存储于每一支付好友所持的移动支付终端上。
优选地，其还包括在步骤a)之前、步骤s)之后执行如下步骤t)：发布者从支付好友列表中选择至少一个支付好友作为接收者。
为实现上述技术目的，本发明还提供另一技术方案如下：
一种双向验证移动支付方法，用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付，方法包括如下步骤：a)、第一移动支付终端向第三方平台发送第一信息，第一信息包括发布者的意图以及发布者的生物特征；b)、第三方平台验证发布者的生物特征；c)、发布者的生物特征通过验证后，第三方平台将第三信息转发至第二移动支付终端；其中，第三信息至少包括发布者的意图；d)、第二移动支付终端基于发布者的意图、接收者的意图以及接收者的生物特征生成第二信息；e)、第二移动支付终端向第三方平台发送第二信息；f)、第三方平台验证接收者的生物特征；g)、接收者的生物特征通过验证后，第三方平台将第四信息转发至第一移动支付 终端；其中，第四信息至少包括接收者的意图；h)、第一移动支付终端基于第四信息完成与第二移动支付终端之间的支付交互。
优选地，其还包括在步骤a)之前执行如下步骤s)：发布者利用第一移动支付终端新建支付好友列表，支付好友列表包括至少一个支付好友；第一移动支付终端与支付好友列表中每一支付好友所持的移动支付终端分别经由第三方平台进行数据交互以实现：将发布者的生物特征存储于第三方平台上；以及分别将每一支付好友的生物特征存储于第三方平台上。
优选地，其还包括在步骤a)之前、步骤s)之后执行如下步骤t)：发布者从支付好友列表中选择至少一个支付好友作为接收者。
本发明还提供一种双向验证移动支付系统，其用于在至少两个移动支付终端之间进行支付交互，其中，移动支付终端包括支付好友管理单元以及生物特征捕获单元，支付好友管理单元用于管理移动支付终端持有者的支付好友列表，生物特征捕获单元用于捕获移动支付终端持有者的生物特征，该系统包括：第一移动支付终端，用于发送第一信息并接收第四信息；其中，第一信息包括第一移动支付终端持有者的意图以及生物特征，第四信息至少包括第二移动支付终端持有者的意图；第二移动支付终端，用于发送第二信息并接收第三信息；其中，第二信息包括第二移动支付终端持有者的意图以及生物特征，第三信息至少包括第一移动支付终端持有者的意图；以及第三方平台，分别与第一、第二移动支付终端进行数据交互，包括生物特征存储单元以及生物特征验证单元，其中，第三方平台用于接收第一信息以及 发送第三信息，第三方平台同时用于接收第二信息以及发送第四信息；其中，生物特征存储单元用于储存各移动支付终端的生物特征，生物特征验证单元用于验证各移动支付终端的生物特征。
本发明各实施例所提供的双向验证移动支付方法及系统，经由双向验证提供更安全的电子支付方式，确保了支付两侧的安全可信，实现简单、也具有很好的推广价值，非常适用于现实生活中的各种支付交易场景。此外，上述方法及系统也有利于提升支付交互过程的流畅度，进而带来更优秀的用户体验。
附图说明
图1示出本发明第一实施例提供的双向验证移动支付方法的流程图。
图2示出本发明第二实施例提供的双向验证移动支付方法的流程图。
图3示出根据本发明的双向验证移动支付系统的示意图。
具体实施方式
需要说明的是，根据本发明各实施例的双向验证移动支付方法，用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付交互。
应注意，“第一”、“第二”移动支付终端并非表示其仅为一个移动支付终端，也并非表明它们两者之间为一对一的通信交互方式。本发明各实施例中，第一、第二移动支付终端均可以为多个，并可采用一对一、一对多、多对一、多对多的各种通信交互方式。
如图1所示，根据本发明第一实施例，一种双向验证移动支付方法包括如下步骤：
步骤S10、第二移动支付终端从第一移动支付终端接收第一信息，第一信息包括发布者的意图以及发布者的生物特征。
具体地，第一移动支付终端可能期望向第二移动支付终端支付一定金额(例如，向微商购买物品、向朋友支付餐费等)或者要求其支付一定金额(例如，学校向学生家长收款、团体内部收取会费等)，这时，根据本发明第一实施例，第一移动终端将发布者意图以及发布者的生物特征组成第一信息，向接收者所持的第二移动支付终端发送。第一、第二移动终端之间可以经由移动通信网络、无线通信网络(例如WIFI方式、蓝牙方式)来通信。
其中，发布者的意图包括但不限于：要求支付指令、请求支付指令。要求支付指令表示发布者要求接收者支付相应金额，请求支付指令表示发布者请求向接收者支付相应金额。发布者的意图可以由发布者输入具体的支付金额(无论是其希望支付或是希望对方支付)并选择具体的接收者来形成，也可以由发布者将其与商户的交易信息转发接收者来形成；发布者的意图可以由一则信息、一条链接或一幅图片(例如二维码)等来体现。
发布者的生物特征可以包括发布者的面部特征、指纹特征以及手写签名。
步骤S11、第二移动支付终端验证发布者的生物特征。
具体地，在该步骤中，第二移动支付终端接收到第一信息后，从 中解析或提取发布者的生物特征，对其进行验证。
可以理解，作为一种具体实施方式，第二移动支付终端事先存储有发布者的生物特征，进而可以对第一信息中包含的发布者的生物特征进行验证。
作为另一具体实施方式，第二移动支付终端可以将在当前交互中接收到的发布者生物特征与在之前交互中接收的发布者生物特征进行比对，以实施验证。
步骤S12、发布者的生物特征通过验证后，第二移动支付终端获取并验证接收者的生物特征。
为实现双向验证的功能性，第二移动支付终端验证通过发布者生物特征后，还获取并验证其所持者(即接收者)的生物特征。
具体地，第一、第二移动终端均包括生物特征获取装置，例如，触摸屏(用于获取指纹特征、手写签名)、照相装置(用于获取面部特征)。在发布者的生物特征通过验证后，第二移动支付装置要求接收者输入其自身的生物特征，并对生物特征进行验证，以判定当前所持者是否是第二移动终端的所有者，在确定当前所持者是第二移动终端的所有者之后，才能继续进行支付交互过程。
上述对接收者生物特征的验证，可以有效防止不法分子捡到手机后绑定了其他银行卡而向发布者回送的同意接收应答。
步骤S13、接收者的生物特征验证通过后，第二移动支付终端基于接收者的意图生成第二信息。
该步骤中，接收者意图包括但不限于：同意支付应答和同意接收 应答，其中，同意支付应答表示接收者同意向发布者支付相应金额，同意接收应答表示接收者同意从发布者接收相应金额。
接收者将其意图输入所持的第二移动支付终端，第二移动支付终端生成第二信息，进而向第一移动支付终端回送。
步骤S14、第一移动支付终端从第二移动支付终端接收第二信息。
本发明各实施例中，第一信息、第二信息可以具有可设定的生命周期。
以发布者要求接收者支付相应金额的情况为例，如果接收者长时间未对第一信息进行应答(例如，接收者期望暂不支付)，即第一移动支付终端未能接收到第二信息，则在支付期限到期后会生成一个提醒付款消息，接收者未支付则一直对其提醒，直到第一信息到期时为止。第一信息的生命周期为以下任意一种情况：(1)接收者完成支付；
(2)接收者未支付，但已到支付时限。
在已到支付时限而接收者未支付的情况下，可以重新生成第一信息并重发，如果接收者是多个，则重发时只发布给未支付的接收者。
步骤S15、第一移动支付终端基于第二信息完成与第二移动支付终端之间的支付交互。
具体地，第一移动支付终端接收到第二信息，该第二信息体现了接收者意图，其可以表明接收者是否同意向发布者支付金额、支付多少金额，或表明接收者是否同意从发布者接收金额、接收多少金额。
基于第二信息，第一移动支付终端可以与第二移动支付终端完成 整个支付交互过程。具体帐户金额的流转，则是经由管理帐户的移动支付服务器来实现的。
上述双向验证移动支付方法，能够确保支付两侧的安全可信，实现简单。
作为对上述第一实施例的进一步改进，在步骤S10之前还执行如下附加步骤；而通过这些附加步骤，接收者所持的第二移动支付终端将能够事先获知并存储支付者的生物特征，进而在实际的支付交互过程中，对包含在第一信息中的支付者生物特征进行验证；所述附加步骤如下：
A)、发布者利用第一移动支付终端新建支付好友列表。其中，支付好友列表包括至少一个支付好友。
B)、第一移动支付终端与支付好友列表中每一支付好友所持的移动支付终端分别进行数据交互，将发布者的生物特征存储于每一支付好友所持的移动支付终端上。
优选情况下，在新建支付好友列表之后，发布者可以从支付好友列表中选择任一个或任多个支付好友作为接收者，进而执行上述第一实施例的方法。
本发明第二实施例提供另一种双向验证移动支付方法，与第一实施例中不同的是，其使用第三方平台作为专门的验证装置，用来验证发布者和接收者两方的生物特征。如图2所示，其包括如下步骤：
步骤S20、第一移动支付终端向第三方平台发送第一信息，第一信息包括发布者的意图以及发布者的生物特征。
该步骤中，发布者的意图包括要求支付指令、请求支付指令。其中，要求支付指令表示发布者要求特定接收者支付相应金额，请求支付指令表示发布者请求向特定接收者支付相应金额。
优选情况下，发布者在其所持的第一移动支付终端维护一个支付好友列表，发布者可以从支付好友列表中选择任一个或多个支付好友作为接收者。一种支付好友列表的实现方式在以下描述。
发布者的生物特征例如为发布者的面部特征。但也可以包括指纹特征以及手写签名。
第三方平台可以经由移动通信网络、无线通信网络分别与第一、第二移动支付终端通信。
优选情况下，第三方平台基于云计算方式来架设，也可以按分布式部署方式来实现，可以提升验证效率。
步骤S21、第三方平台验证发布者的生物特征。
可以理解，为了实现由第三方平台对发布者、接收者两者的生物特征分别进行验证，作为一种可能的实现方式，第三方平台可以事先分别存储发布者、接收者的生物特征。
具体地，可以在步骤S20之前执行如下附加步骤：
A1)、发布者利用第一移动支付终端新建支付好友列表，其包括至少一个支付好友。
B1)、第一移动支付终端与支付好友列表中每一支付好友所持的移动支付终端分别经由第三方平台进行数据交互，以将发布者的生物特征存储于第三方平台上，同时分别将每一支付好友的生物特征存储 于第三方平台上。
在该步骤S21中，第三方平台验证发布者的生物特征，并将验证结果通知第二移动支付终端。
步骤S22、发布者的生物特征通过验证后，第三方平台将第三信息转发至第二移动支付终端。
在发布者生物特征由第三方平台通过验证后，第三方平台形成第三信息，具体地，第三信息至少包括发布者的意图，并可以携带前一步骤S21中获得的验证结果。作为一种可能的实现方式，第三信息通过从第一信息中移除发布者生物特征、增加发布者生物特征的验证结果而获得。
步骤S23、第二移动支付终端基于发布者的意图、接收者的意图以及接收者的生物特征生成第二信息。
具体地，第二移动支付终端接收到第三信息之后，接收用户输入，该输入体现接收者的意图，接收者的意图包括同意支付应答及同意接收应答，其中，同意支付应答表示接收者同意向发布者支付相应金额(对应于第三信息中包括的发布者意图)，同意接收应答表示接收者同意从发布者接收相应金额(对应于第三信息中包括的发布者意图)。
随后，第二移动支付终端获取其所持者(即，接收者)的生物特征，并将接收者生物特征与发布者的意图、接收者的意图相组合，形成第二信息。该第二信息除了表明接收者同意支付多少金额或同意接收多少金额之外，还携带了接收者生物特征。
步骤S24、第二移动支付终端向第三方平台发送第二信息。
步骤S25、第三方平台验证接收者的生物特征。
该步骤中，第三方平台通过对接收者的生物特征进行验证，完整地实现了双向验证过程，可以有效防止不法分子捡到手机后绑定了其他银行卡而向发布者回送的同意接收应答，大大提升电子(移动)支付的安全性。
具体地，对发布者生物特征的验证与对接收者生物特征的验证可以由第三方平台上的专用模块(单元)实现，该模块采用统一、高效的特征提取算法、模式识别算法。这使得生物特征的验证始终按照统一标准来进行，即提高验证效率、又确保验证结果准确可靠。
步骤S26、接收者的生物特征通过验证后，第三方平台将第四信息转发至第一移动支付终端。
其中，第三方平台生成第四信息，第四信息至少包括接收者的意图，并可以携带接收者生物特征的验证结果。作为一种可能的实现方式，第四信息通过从第二信息中移除接收者生物特征、增加接收者生物特征的验证结果而获得。
步骤S27、第一移动支付终端基于第四信息完成与第二移动支付终端之间的支付交互。
在该步骤中，基于第四信息，第一移动支付终端与第二移动支付终端完成整个支付交互过程。具体金额的流转经由移动支付服务器来实现，这为本领域技术人员所熟知。
可以理解，在将生物特征验证工作全部交由第三方平台来完成、而第三方平台的服务器又足够高效的情况下，第一、第二移动支付终 端不再需要进行生物特征验证工作、而只需要从第三方平台获取验证结果即可，上述整个支付交互过程可以执行得更加流畅。
也就是说，虽然相对于上述第一实施例，第二实施例引入了第三方平台来进行验证工作，但其能够明显提高验证效率、提升支付交互过程的流畅度，进而带来更优秀的用户体验。
如图3所示，本发明第三实施例提供一种双向验证移动支付系统，其包括至少一个第一移动支付终端31、至少一个第二移动支付终端32以及第三方平台30。
其中，移动支付终端(无论第一还是第二)包括支付好友管理单元以及生物特征捕获单元，支付好友管理单元用于管理移动支付终端持有者的支付好友列表，生物特征捕获单元用于捕获移动支付终端持有者的生物特征。
该系统中，第一移动支付终端31发送第一信息并接收第四信息；其中，第一信息包括第一移动支付终端持有者的意图以及生物特征，第四信息至少包括第二移动支付终端持有者的意图。
第二移动支付终端32发送第二信息并接收第三信息；其中，第二信息包括第二移动支付终端持有者的意图以及生物特征，第三信息至少包括第一移动支付终端持有者的意图。
第三方平台30包括生物特征存储单元301以及生物特征验证单元302，其中，生物特征存储单元301用于储存各移动支付终端的生物特征，生物特征验证单元用于验证各移动支付终端的生物特征。
具体地，第三方平台30分别与第一、第二移动支付终端31、32 进行数据交互，第三方平台30能够接收第一信息以及发送第三信息，第三方平台同时能够接收第二信息以及发送第四信息。进一步地，例如，第三信息可以通过从第一信息中移除发布者生物特征、增加发布者生物特征的验证结果而获得，第四信息可以通过从第二信息中移除接收者生物特征、增加接收者生物特征的验证结果而获得。
上述说明仅针对于本发明的优选实施例，并不在于限制本发明的保护范围。本领域技术人员可作出各种变形设计，而不脱离本发明的思想及附随的权利要求。

Claims (11)

  1. 一种双向验证移动支付方法，用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付，所述方法包括如下步骤：
    a)、所述第二移动支付终端从所述第一移动支付终端接收第一信息，所述第一信息包括所述发布者的意图以及所述发布者的生物特征；
    b)、所述第二移动支付终端验证所述发布者的生物特征；
    c)、所述发布者的生物特征通过验证后，所述第二移动支付终端获取并验证所述接收者的生物特征；
    d)、所述接收者的生物特征验证通过后，所述第二移动支付终端基于所述接收者的意图生成第二信息；
    e)、所述第一移动支付终端从所述第二移动支付终端接收所述第二信息；
    f)、所述第一移动支付终端基于所述第二信息完成与所述第二移动支付终端之间的支付交互。
  2. 根据权利要求1所述的方法，其特征在于，其还包括在所述步骤a)之前执行如下步骤s)：
    所述发布者利用所述第一移动支付终端新建支付好友列表，所述支付好友列表包括至少一个支付好友；
    所述第一移动支付终端与所述支付好友列表中每一支付好友所 持的移动支付终端分别进行数据交互以实现：
    将所述发布者的生物特征存储于所述每一支付好友所持的移动支付终端上。
  3. 根据权利要求2所述的方法，其特征在于，其还包括在所述步骤a)之前、步骤s)之后执行如下步骤t)：
    所述发布者从所述支付好友列表中选择至少一个所述支付好友作为所述接收者。
  4. 根据权利要求1至3中任一项所述的方法，其特征在于，所述发布者的意图至少包括要求支付指令或请求支付指令，所述接收者的意图至少包括同意支付应答或同意接收应答，其中，
    所述要求支付指令表示所述发布者要求所述接收者支付相应金额，所述请求支付指令表示所述发布者请求向所述接收者支付相应金额，所述同意支付应答表示所述接收者同意向所述发布者支付相应金额，所述同意接收应答表示所述接收者同意从所述发布者接收相应金额。
  5. 根据权利要求4所述的所述的方法，其特征在于，所述生物特征包括如下项中的至少一个：
    面部特征；
    指纹特征；以及
    手写签名。
  6. 一种双向验证移动支付方法，用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付，所述 方法包括如下步骤：
    a)、所述第一移动支付终端向第三方平台发送第一信息，所述第一信息包括所述发布者的意图以及所述发布者的生物特征；
    b)、所述第三方平台验证所述发布者的生物特征；
    c)、所述发布者的生物特征通过验证后，所述第三方平台将第三信息转发至所述第二移动支付终端；其中，所述第三信息至少包括所述发布者的意图；
    d)、所述第二移动支付终端基于所述发布者的意图、所述接收者的意图以及所述接收者的生物特征生成第二信息；
    e)、所述第二移动支付终端向所述第三方平台发送所述第二信息；
    f)、所述第三方平台验证所述接收者的生物特征；
    g)、所述接收者的生物特征通过验证后，所述第三方平台将第四信息转发至所述第一移动支付终端；其中，所述第四信息至少包括所述接收者的意图；
    h)、所述第一移动支付终端基于所述第四信息完成与所述第二移动支付终端之间的支付交互。
  7. 如权利要求6所述的方法，其特征在于，其还包括在所述步骤a)之前执行如下步骤s)：
    所述发布者利用所述第一移动支付终端新建支付好友列表，所述支付好友列表包括至少一个支付好友；
    所述第一移动支付终端与所述支付好友列表中每一支付好友所 持的移动支付终端分别经由所述第三方平台进行数据交互以实现：
    将所述发布者的生物特征存储于所述第三方平台上；以及
    分别将所述每一支付好友的生物特征存储于所述第三方平台上。
  8. 根据权利要求7所述的方法，其特征在于，其还包括在所述步骤a)之前、步骤s)之后执行如下步骤t)：
    所述发布者从所述支付好友列表中选择至少一个所述支付好友作为所述接收者。
  9. 根据权利要求6至8中任一项所述的方法，其特征在于，所述发布者的意图至少包括要求支付指令或请求支付指令，所述接收者的意图至少包括同意支付应答或同意接收应答，其中，
    所述要求支付指令表示所述发布者要求所述接收者支付相应金额，所述请求支付指令表示所述发布者请求向所述接收者支付相应金额，所述同意支付应答表示所述接收者同意向所述发布者支付相应金额，所述同意接收应答表示所述接收者同意从所述发布者接收相应金额。
  10. 根据权利要求9所述的所述的方法，其特征在于，所述生物特征包括如下项中的至少一个：
    面部特征；
    指纹特征；以及
    手写签名。
  11. 一种双向验证移动支付系统，用于在至少两个移动支付终端 之间进行支付交互，其中，所述移动支付终端包括支付好友管理单元以及生物特征捕获单元，所述支付好友管理单元用于管理所述移动支付终端持有者的支付好友列表，所述生物特征捕获单元用于捕获所述移动支付终端持有者的生物特征，所述系统包括：
    第一移动支付终端，用于发送第一信息并接收第四信息；其中，所述第一信息包括所述第一移动支付终端持有者的意图以及生物特征，所述第四信息至少包括所述第二移动支付终端持有者的意图；
    第二移动支付终端，用于发送第二信息并接收第三信息；其中，所述第二信息包括所述第二移动支付终端持有者的意图以及生物特征，所述第三信息至少包括所述第一移动支付终端持有者的意图；以及
    第三方平台，分别与所述第一、第二移动支付终端进行数据交互，包括生物特征存储单元以及生物特征验证单元，其中，所述第三方平台用于接收所述第一信息以及发送所述第三信息，所述第三方平台同时用于接收所述第二信息以及发送所述第四信息；其中，所述生物特征存储单元用于储存各所述移动支付终端的生物特征，所述生物特征验证单元用于验证各所述移动支付终端的生物特征。
PCT/CN2017/085011 2016-06-16 2017-05-19 双向验证移动支付方法及系统 Ceased WO2017215402A1 (zh)

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