CN103956006A - High-safety portable payment receiving device - Google Patents
High-safety portable payment receiving device Download PDFInfo
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- CN103956006A CN103956006A CN201410204050.1A CN201410204050A CN103956006A CN 103956006 A CN103956006 A CN 103956006A CN 201410204050 A CN201410204050 A CN 201410204050A CN 103956006 A CN103956006 A CN 103956006A
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Abstract
The invention discloses a high-safety portable payment receiving device which comprises a storage module, a payment information reading and setting module, a terminal user identity recognition module, a communication module, an input-output module and a microcontroller. The invention further discloses a high-safety portable payment receiving method for the device. The high-safety portable payment receiving method comprises the steps of setting, payment receiving and payment. When the device is worn, the method can also comprise the step of wearing verification. The device and the method perform user identity pre-setting through a biosensor and perform authentication and recognition through the biosensor when being used, a step of manually inputting passwords and other information to perform login authentication is omitted, multiple-step operation in the payment receiving process is also remarkably decreased, convenient, fast and safe adjacent electronic payment receiving is achieved, the safety, confidentiality and usability are greatly improved, and an application range of population is widened. In addition, the device can be a watch, a bracelet, a ring or other wearable styles, can also built in a wearable accessory and is convenient and fashionable.
Description
Technical field
The present invention relates to gathering and paying method and device, be specifically related to a kind of Portable pocket bank settlement electronic installation, and be applicable to the gathering and paying method of bank settlement electronic installation.
Background technology
Along with scientific and technological high speed development and continuous renewal, people's the finance mode of transferring accounts develops into Web bank, note bank, Mobile banking from traditional bank's cabinet face, ATM in bank.People buy commodity also from traditional paper money transaction, the mode that past paper money transaction and electronic transaction combine changes, Unionpay's POS machine very familiar in life is exactly good application example, it has improved the clearing speed of the customer consumption amount of money greatly, the queue waiting time that shortens client's checkout, clearing of account mode has brought great facility; What simultaneously internet retailer and shopping online paid develop popularization rapidly, be integrated in arising at the historic moment as portable modes of payments such as micro-letter payment, Alipay wallets on smart mobile phone, changing rapidly especially people's consumption pattern.
But this requires user must be familiar with the application of network finance or intelligent terminal and multistep operation, especially to not using the very inconvenience of person in middle and old age customer group of Web bank and intelligent machine.Aspect the nearly payment of neck, there is being conventionally referred to as in industry the portable set of stored value card or Electronic Wallet at present, used frequently bank note for reducing in current transaction, improved convenience.But it needs user to input by hand the information such as password to login or verify have very large shortcoming in security, confidentiality, ease for use.
Summary of the invention
Goal of the invention: in order to overcome the deficiencies in the prior art, the invention provides the portable bank settlement device of a kind of high security, and be applicable to the portable gathering and paying method of high security of this device.
Technical scheme: for solving the problems of the technologies described above, the portable bank settlement device of high security provided by the invention, comprising:
Memory module, for storing user's original identity information, selecting for the financial payment mode of bank settlement, the financial payment accounts information containing account name and password corresponding to described financial payment mode for user;
Payment information reads with gathering information module is set, the payment information containing price and finance account of presetting for reading article when payment; When gathering for set according to user containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Terminal user ID identification module, for read the original identity information of user by biology sensor, and is stored in described memory module; For read the instant identity information of user by biology sensor, the original identity information comparison of user with default in memory module, completes identification and verification simultaneously;
Communication module, for mutual with financial payment platform, computing machine, mobile phone, other electronic payment devices end messages;
Input/output module, comprises keyboard, electronic curtain, for man-machine interaction;
Microcontroller, for controlling, payment information reads and gathering information arranges the information interaction between module, terminal user ID identification module, memory module, communication module, input/output module.
As preferably, in described terminal user ID identification module, for reading the biology sensor of the original identity information of user and the instant identity information of user, be one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
As preferably, described payment information reads with gathering information module is set, comprise built-in NFC module, while being used for paying the bill, read the described default payment information of article by NFC near-field communication, when gathering, according to described gathering Information generation NFC electronics gathering label, read described gathering label information for paying party by NFC near-field communication.
As preferably, described payment information reads with gathering information module is set, and comprises built-in barcode scanning module, reads the described default payment information of article when paying the bill by scanning bar code or Quick Response Code; Bar code and two-dimensional code generation module, according to described gathering Information generation bar code or Quick Response Code gathering label, read gathering label information for paying party by scanning bar code or Quick Response Code when collecting money.
Above-mentioned communication module, at least comprises built-in WiFi module.As preferably, also can comprise one or more of built-in 3G module, bluetooth, USB.
As preferably, the financial payment mode of selecting for user of storing in described memory module is more than one bank and/or more than one third party paying centre.
As preferably, the keyboard in described input/output module is soft keyboard or hard manual.
Preferably, the small size OLED screen that the electronic curtain in described input/output module is low-power consumption, can certainly be LED screen, LCD screen etc.
As preferably, this device profile can be wearable pattern, as wrist watch shape, bracelet shape etc.; Also can directly be built in the accessories such as wearable wrist-watch, bracelet, bangle, ring; Also can be the small and exquisite portable shape such as wallet, lighter.
As preferably, this device profile is the small and exquisite portable shapes such as wallet, lighter, cosmetic container, lipstick.
Preferred as another kind, this device is wearable bank settlement device, and its profile is the wearable pattern such as wrist watch shape or bracelet shape or ring shape, also can be built in the accessories such as watch, bracelet, bangle, ring.
As a further improvement on the present invention, in the time that this device is wearable bank settlement device, can also comprise wearing induction module.Preferably, this wearing induction module comprises temperature sensor or pressure transducer, judges by warming or pressure sensitivity whether this device is wearing state.Preferably, this wearing induction module comprises buckle or touching button, judges by buckle or touching button trigger circuit signal whether this device is wearing state.
For solving the problems of the technologies described above, the portable gathering and paying method of a kind of high security provided by the invention, comprises action, gathering action and payment action is set simultaneously:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity information by biology sensor; Set and store for user and select the financial payment accounts information containing account name and password corresponding for financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action comprises,
Step P1, reads the default payment information containing price and finance account of article, and price is presented on electronic curtain;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the instant identity information of user, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, and finishes payment; As unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; The Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain as wrong, finishes payment; Continue payment as errorless, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads user identity instant messages, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, and finishes gathering; As unanimously entered next step;
Step R3, set with step R1 containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
As preferably, reading of the original identity information of described user and the instant identity information of user, is to read by one or more biology sensors in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.
As preferably, the step P1 in described payment action, is to read the payment information containing price and finance account on the default electronic tag of article by NFC near-field communication; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the gathering information in gathering label by NFC near-field communication.
As preferably, the step P1 in described payment action, is that bar code or the two-dimension code label default by scan articles reads the payment information containing price and finance account; The gathering label that in described gathering action, step R3 generates is bar code or the Quick Response Code being presented on electronic curtain, and in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
As preferably, in this gathering and paying method, except WiFi radio communication, also comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.
As preferably, described to select for the financial payment mode of bank settlement for user be more than one bank and/or more than one third party paying centre.
As preferably, in described payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short-message verification code to described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication.
For solving the problems of the technologies described above, another kind of high security Wearable gathering and paying method provided by the invention, comprises action, wearing checking action is set, gathering action and the action of paying the bill simultaneously:
Action is wherein set and comprises,
Step S1, dresses wearable bank settlement device while setting, set and stored user's original identity information by biology sensor; Set and store for user and select the financial payment accounts information containing account name and password corresponding for financial payment mode, the described financial payment mode of bank settlement;
Wherein dress checking action and comprise,
Step V1, wearable bank settlement device when not dressing state, is dressed the result and is recorded as user identity and does not verify;
Step V2, non-when state is set dresses wearable bank settlement device, read the instant identity information of user by biology sensor, compare with the default original identity information of user; As inconsistent, dress the result and be recorded as subscriber authentication failure; Be recorded as subscriber authentication success as unanimously dressed the result;
Wherein payment action comprises,
Step P1, reads the default payment information containing price and finance account of article, and price is presented on electronic curtain;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes paying the bill, and finishes to pay the bill; As entered next step for subscriber authentication success;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; The Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain as wrong, finishes payment; Continue payment as errorless, complete payment;
Wherein gathering action comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes collecting money, and finishes to collect money; As entered next step for subscriber authentication success;
Step R3, set with step R1 containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Step R4, paying party reads gathering label information and pays, and user completes gathering.
As preferably, reading of the original identity information of user and the instant identity information of user described in above-mentioned Wearable gathering and paying method is to read by one or more biology sensors in pulse transducer, human body posture sensor, human skin sensor.
As preferably, the step P1 in the action of payment described in above-mentioned Wearable gathering and paying method, is to read the payment information containing price and finance account on the default electronic tag of article by NFC near-field communication; The gathering label that in described gathering action, step R3 generates is NFC electronic tag, and in step R4, paying party reads the gathering information in gathering label by NFC near-field communication.
As preferably, the step P1 in the action of payment described in above-mentioned Wearable gathering and paying method, is that bar code or the two-dimension code label default by scan articles reads the payment information containing price and finance account; The gathering label that in described gathering action, step R3 generates is bar code or the Quick Response Code being presented on electronic curtain, and in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
As preferably, in above-mentioned Wearable gathering and paying method, except WiFi radio communication, also comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.
As preferably, described in above-mentioned Wearable gathering and paying method, be more than one bank and/or more than one third party paying centre for user's selection for the financial payment mode of bank settlement.
As preferably, in above-mentioned Wearable gathering and paying method, in described payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise:
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short-message verification code to described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication.
As preferably, in above-mentioned Wearable gathering and paying method, show subscriber authentication result by user identity identification pilot lamp.While not dressing described wearable bank settlement device, this pilot lamp is for extinguishing state; The non-state that arranges is dressed when described wearable bank settlement device, and in the time dressing the result and be recorded as subscriber authentication failure, pilot lamp takes on a red color, and in the time dressing the result and be recorded as subscriber authentication success, it is green that pilot lamp is.
As preferably, wearable bank settlement device described in above-mentioned Wearable gathering and paying method, its profile is the wearable pattern such as wrist watch shape or bracelet shape or ring shape, also can be built in the accessories such as watch, bracelet, bangle, ring.
In wearable bank settlement device in above-mentioned Wearable gathering and paying method, comprise wearing induction module, a kind of mode is to judge by temperature sensor or pressure transducer whether this device is wearing state, and another kind of mode is to judge by buckle or touching button trigger circuit signal whether this device is wearing state.
In which, user only need dress bank settlement device and complete identification checking, only otherwise take off this device and can repeatedly carry out bank settlement operation, the former step that need repeatedly carry out identification checking while further having reduced each bank settlement action, and intuitively express user identity identification result, more succinct, quick, safety with pilot lamp.
Beneficial effect: the invention provides the portable bank settlement device of a kind of high security and be applicable to the portable gathering and paying method of high security of this portable bank settlement device, carrying out user identity by biology sensor presets, when use, carry out authentication and identification by biology sensor, reduce the step that the information such as manual input password are logined and verified, also significantly reduced the multistep operation in bank settlement process, it is convenient to have realized, nearby electron payment and the gathering of safety, security and confidentiality are greatly improved on the one hand, the fine on the other hand ease for use that promoted, expand the applicable scope of crowd.Also can be built in the accessories such as wearable wrist-watch, bracelet, bangle or ring simultaneously, facilitate fashion.
Brief description of the drawings
Fig. 1 is the structural representation of bank settlement device embodiment 1 of the present invention;
Fig. 2 is the structural representation of bank settlement device embodiment 2 of the present invention;
Fig. 3 is the payment action flow chart for a kind of portable gathering and paying method of embodiment 1;
Fig. 4 is the gathering action flow chart for a kind of portable gathering and paying method of embodiment 1;
Fig. 5 is the payment action flow chart for a kind of portable gathering and paying method of embodiment 2;
Fig. 6 is the gathering action flow chart for a kind of portable gathering and paying method of embodiment 2;
Fig. 7 is the payment action flow chart for the another kind of Wearable gathering and paying method of embodiment 1;
Fig. 8 is the gathering action flow chart for the another kind of Wearable gathering and paying method of embodiment 1.
Embodiment
embodiment 1:as shown in Figure 1, bank settlement device of the present invention comprises structural representation: memory module 1, payment information read with gathering information module 2, terminal user ID identification module 3, communication module 4, input/output module 5, microcontroller 6 are set.Wherein payment information reads with gathering information module 2 is set, and comprises built-in NFC module 21; In described terminal user ID identification module 3, comprise built-in pulse transducer 31; Described communication module 4, comprises built-in WiFi module 41; Described input/output module 5 comprises electronic curtain 51 and hard manual 52.The small size OLED screen that this device electronic curtain 51 is low-power consumption.
This device can be wearable, as is built in the accessories such as watch, bracelet, bangle, ring, also can directly profile be designed to the wearable pattern such as wrist watch shape or bracelet shape or ring-shaped; Certainly, this device can be also non-Wearable, as small and exquisite portable patterns such as wallet, lighter, cosmetic container, lipsticks.
Be built in wearable wrist-watch as example taking this device below, the course of work of bank settlement device of the present invention be described:
While setting: this device is connected with computing machine by WiFi module 41, writes the financial payment mode of selecting for user by computing machine in memory module 1, this financial payment mode can be more than one bank and/or more than one third party paying centre; Press the original identity preset key on lower hard manual 52, in memory module 1, write the original identity information of the user who reads by pulse transducer.What now completed terminal user allly arranges action, and the later stage also can, completing after terminal user ID identification, be rewritten above-mentioned information.
When payment: user presses close to want the article of buying by the wrist-watch of built-in this bank settlement device; This device reads the payment information containing price and finance account default on article electronic label by NFC module 21 near-field communications, and the financial payment mode of price and all alternative is presented on electronic curtain 51; User selects, after payment financial payment mode, to press the one-touch payment button on lower hard manual 52, confirms payment; This device reads the instant identity information of user by pulse transducer 31, compares with the default original identity information of user, as inconsistent, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill on electronic curtain 51, finishes payment; As financial payment accounts information corresponding to the consistent financial payment mode of payment information reading being selected with user, send to financial payment central server corresponding to selected financial payment mode by WiFi module 41; Account name, password and the balance amount information of financial payment center checking financial payment account, by WiFi module 41, Payment Failed reason is fed back to this device as wrong, this device is presented at Payment Failed reason on electronic curtain 51, finish payment, continue payment as errorless, complete one-touch payment.
If user's financial payment account has been preset short-message verification function, after the errorless continuation payment of above-mentioned financial payment center checking financial payment accounts information, send the cell-phone number of short-message verification code to this financial payment account binding, user inputs the short-message verification code of receiving on binding cell-phone number on the hard manual 52 of this bank settlement device, this device sends to above-mentioned financial payment central server by the short-message verification code of user's input by WiFi module 41, realizes short-message verification and finally completes payment.
In certain this device communication module 4, except WiFi module 41, also can built-inly comprise the 3G module of the corresponding Mobile phone card of above-mentioned cell-phone number, and alternative WiFi realizes the information interaction at this device and financial payment center.
When gathering: user inputs collection amount on hard manual 52; This device is presented at the financial payment mode of price and all alternative on electronic curtain 51; User selects to collect money after the financial payment mode of use, presses the one-touch gathering button on lower hard manual 52, confirms gathering; This device reads the instant identity information of user by pulse transducer 31, compares with the default original identity information of user, as inconsistent, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money on electronic curtain 51, finishes gathering; As unanimously by NFC module 21, by above-mentioned setting containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the NFC electronic tag with certain timeliness; Paying party is read the gathering information in gathering electronic tag and is paid by NFC near-field communication, and user completes gathering.
embodiment 2:as shown in Figure 2, bank settlement device of the present invention comprises structural representation: memory module 1, payment information read with gathering information module 2, terminal user ID identification module 3, communication module 4, input/output module 5, microcontroller 6 are set.Wherein payment information reads with gathering information module 2 is set, and comprises built-in barcode scanning module 22, bar code and two-dimensional code generation module 23; In described terminal user ID identification module 3, comprise built-in human skin sensor 33 and fingerprint Identification sensor 32; Described communication module 4, comprises built-in WiFi module 41, bluetooth 42 and USB 43; Described input/output module 5 comprises the soft keyboard 53 on electronic curtain 51 and screen.
This device can be wearable, as is built in the accessories such as watch, bracelet, bangle, ring, also can directly profile be designed to the wearable patterns such as wrist watch shape, bracelet shape or ring-shaped; Certainly, this device can be also non-Wearable, as small and exquisite portable patterns such as wallet, lighter, cosmetic container, lipsticks.
The course of work of this device is:
While setting: this device is passed through to WiFi module 41 or bluetooth 42 or USB interface 43 and be connected with computing machine, in memory module 1, write the financial payment mode of selecting for user by computing machine, this financial payment mode can be more than one bank and/or more than one third party paying centre; Press the original identity preset key on lower soft keyboard 53, this bank settlement device is placed on to user's wrist, the centre of the palm, the back of the hand or other body parts, in memory module 1, write the original identity skin of the user who reads by human skin sensor 33 information; User's finger is placed in to scanning on fingerprint sensor 32, in memory module 1, writes the original identity fingerprint information of the user who reads by fingerprint sensor.What now completed terminal user allly arranges action, and the later stage also can, completing after terminal user ID identification, be rewritten above-mentioned information.
When payment: user is by default bar code or Quick Response Code in barcode scanning module 22 scan articles on this bank settlement device; This device reads the payment information containing price and finance account, and the financial payment mode of price and all alternative is presented on electronic curtain 51; User selects, after payment financial payment mode, to press the one-touch payment button on lower soft keyboard 53, confirms payment; This device reads the instant identity skin of user information by human skin sensor 33, compare with the default original identity skin of user information, finger is placed in scanning on fingerprint sensor 32 by this device prompting user simultaneously, and by instant the user who reads identity fingerprint information, compare with the default original identity fingerprint information of user, as exist inconsistently, and on electronic curtain 51, show and unsuccessfully cause the unsuccessful information of paying the bill because of subscriber authentication, finish payment; As all consistent, financial payment accounts information corresponding to financial payment mode of payment information reading being selected with user, sends to financial payment central server corresponding to selected financial payment mode by WiFi module 41; Account name, password and the balance amount information of financial payment center checking financial payment account, by WiFi module 41, Payment Failed reason is fed back to this device as wrong, this device is presented at Payment Failed reason on electronic curtain 51, finish payment, continue payment as errorless, complete one-touch payment.
If user's financial payment account has been preset short-message verification function, after the errorless continuation payment of above-mentioned financial payment center checking financial payment accounts information, send the cell-phone number of short-message verification code to this financial payment account binding, user inputs the short-message verification code of receiving on binding cell-phone number on the soft keyboard 53 of this bank settlement device, this device sends to above-mentioned financial payment central server by the short-message verification code of user's input by WiFi module 41, realizes short-message verification and finally completes payment.
Certainly in this device communication module 4, also can built-inly comprise the 3G module of the corresponding Mobile phone card of above-mentioned cell-phone number, and alternative WiFi realizes the information interaction at this device and financial payment center.
When gathering: user inputs collection amount on soft keyboard 53; This device is presented at the financial payment mode of price and all alternative on electronic curtain 51; User selects to collect money after the financial payment mode of use, presses the one-touch gathering button on lower soft keyboard 53, confirms gathering; This device reads the instant identity skin of user information by human skin sensor 33, compare with the default original identity skin of user information, finger is placed in scanning on fingerprint sensor 32 by this device prompting user simultaneously, and by instant the user who reads identity fingerprint information, compare with the default original identity fingerprint information of user, as exist inconsistently, and on electronic curtain 51, show and unsuccessfully cause the unsuccessful information of collecting money because of subscriber authentication, finish gathering; As all consistent, by bar code and two-dimensional code generation module 23, by above-mentioned setting containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate bar code or the Quick Response Code with certain timeliness; Paying party is by scanning the gathering information in above-mentioned bar code or Quick Response Code and paying, and user completes gathering.
In the time that said apparatus in the present invention is wearable bank settlement device, can also comprise and dress induction module (not shown), be used for judging whether this device is wearing state.A kind of mode is that this wearing induction module comprises temperature sensor or pressure transducer, once dress above, judges by warming or pressure sensitivity whether this device is wearing state; Another kind of mode is that once buckle successfully closes, this wearing induction module trigger circuit signal judges whether this device is wearing state by the wearing buckle (as watchband buckle) on device; Also can be, in device body contact part, Pop-up touching button is set, once dress upper this device, the tactile knob flush mounting inside that is squeezed, judges that taking this trigger circuit signal whether this device is as wearing state.
Now can also there is the another kind of course of work, not state tired with course of work something in common noted earlier, be described below with regard to difference below:
While setting: user presses lower original identity preset key, this device on wearing, dress induction module and judge that this device is wearing state, trigger this device and write the original identity information of the user who reads by the biology sensor such as pulse transducer, human skin sensor in memory module.
Non-when state is set: while not dressing or take off this device as user, dress induction module and judge that this device is for not dressing state, wearing the result is recorded as user identity and does not verify; Once user successfully dresses this device, dress induction module and judge that this device is wearing state, trigger this device and read the instant identity information of user by the biology sensor such as pulse transducer, human skin sensor, compare with the default original identity information of user; As exist inconsistently, dress the result and be recorded as subscriber authentication failure; Be recorded as subscriber authentication success as all unanimously dressed the result.
When payment: in the time that user presses lower one-touch payment button confirmation payment, this device reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, show because of user identity and do not verify or the authentication failed unsuccessful information that causes paying the bill, finish payment; As continued payment for subscriber authentication success.
When gathering, in the time that user presses lower one-touch gathering button confirmation gathering, this device reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, show because of user identity and do not verify or the authentication failed unsuccessful information that causes collecting money, finish gathering; As continued gathering for subscriber authentication success.
Under this mode, user only need dress bank settlement device and complete identification checking, only otherwise take off this device and can repeatedly carry out bank settlement operation, the step that originally need to repeatedly carry out identification checking while further having reduced bank settlement action each time, more succinct, quick, safety.
Certainly, the present invention is not limited to above-described embodiment, biology sensor in terminal user ID identification module 3 also can combine setting according to user's request, can be one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.In above-mentioned communication module 4, at least comprise built-in WiFi module 41, can comprise in addition one or more of 3G module, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.Keyboard in above-mentioned input/output module can be any one of soft keyboard or hard manual.
Portable gathering and paying method for this device embodiment 1 provided by the invention, comprises action, gathering action and payment action is set:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity information by pulse transducer; Set and store for user and select the financial payment accounts information containing account name and password corresponding for financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action as shown in Figure 3, comprises,
Step P1, reads the default payment information containing price and finance account of article by NFC near-field communication, and price is presented on the electronic curtain of bank settlement device;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the instant identity information of user by pulse transducer, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of paying the bill, and finishes payment; As unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; The Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain as wrong, finishes payment; Continue payment as errorless, complete payment;
Certainly,, if user's financial payment account has been preset short-message verification function, in above-mentioned payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise (not shown):
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short-message verification code to described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication;
Thereby complete payment;
Wherein gathering action as shown in Figure 4, comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads user identity instant messages by pulse transducer, compares with the default original identity information of user, as inconsistent, on electronic curtain, shows because subscriber authentication unsuccessfully causes the unsuccessful information of collecting money, and finishes gathering; As unanimously entered next step;
Step R3, set with step R1 containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the NFC electronics gathering label with certain timeliness;
Step R4, paying party is by the gathering information on NFC near-field communication read electric gathering label and pay, and user completes gathering.
Portable gathering and paying method for this device embodiment 2 provided by the invention, comprises action, gathering action and payment action is set:
Action is wherein set and comprises,
Step S1, is set and is stored user's original identity skin information and original identity fingerprint information by human skin sensor and fingerprint sensor; Set and store for user and select the financial payment accounts information containing account name and password corresponding for financial payment mode, the described financial payment mode of bank settlement;
Wherein payment action as shown in Figure 5, comprises,
Step P1, the bar code that scan articles is default or two-dimension code label read the payment information containing price and finance account, and price are presented on the electronic curtain of bank settlement device;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, read the instant identity skin of user information by human skin sensor, compare with the default original identity skin of user information, read the instant identity fingerprint information of user by fingerprint sensor, compare with the default original identity fingerprint information of user; As exist inconsistently, and on electronic curtain, show and unsuccessfully cause the unsuccessful information of paying the bill because of subscriber authentication, finish payment; As all unanimously entered next step;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; The Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain as wrong, finishes payment; Continue payment as errorless, complete payment;
Certainly,, if user's financial payment account has been preset short-message verification function, in above-mentioned payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise (not shown):
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short-message verification code to described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication; Thereby complete payment;
Wherein gathering action as shown in Figure 6, comprises,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, by read the instant identity skin of user information by human skin sensor, compare with the default original identity skin of user information, read the instant identity fingerprint information of user by fingerprint sensor, compare with the default original identity fingerprint information of user; As exist inconsistently, and on electronic curtain, show and unsuccessfully cause the unsuccessful information of collecting money because of subscriber authentication, finish gathering; As all unanimously entered next step;
Step R3, set with step R1 containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate bar code or the Quick Response Code gathering label with certain timeliness, and be presented on electronic curtain;
Step R4, paying party is read the gathering information in gathering label and is paid by scanning bar code or Quick Response Code, and user completes gathering.
Certainly, except the bank settlement device for embodiment 1 and embodiment 2, in above-mentioned portable gathering and paying method, terminal user ID identification also can be combined setting according to demand with biology sensor, can be one or more in pulse transducer, human body posture sensor, human skin sensor or fingerprint Identification sensor.Except WiFi radio communication, also can comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.Set in advance for user and select the financial payment mode for bank settlement, can be more than one bank and/or more than one third party paying centre.
Another kind of Wearable gathering and paying method provided by the invention, for wearable bank settlement device.To be built in bank settlement device on wearable wrist-watch in embodiment 1 as example, describe another kind of Wearable gathering and paying method in detail, it comprises and action is set, dresses checking action, gathering action and payment action, and show subscriber authentication result by user identity identification pilot lamp:
Action is wherein set and comprises,
Step S1, dresses this bank settlement device while setting, set and stored user's original identity information by pulse transducer; Set and store for user and select the financial payment accounts information containing account name and password corresponding for financial payment mode, the described financial payment mode of bank settlement;
Wherein dress checking action and comprise,
Step V1, this bank settlement device when not dressing state, is dressed the result and is recorded as user identity and does not verify, and user identity identification pilot lamp is for extinguishing state;
Step V2, non-when state is set dresses this bank settlement device, read the instant identity information of user by pulse transducer, compare with the default original identity information of user; As inconsistent, to dress the result and be recorded as subscriber authentication failure, user identity identification pilot lamp takes on a red color; Be recorded as subscriber authentication success as unanimously dressed the result, it is green that user identity identification pilot lamp is;
Wherein payment action comprises as shown in Figure 7,
Step P1, reads the default payment information containing price and finance account of article by NFC near-field communication, and price is presented on the electronic curtain of this bank settlement device;
Step P2, user selects Payment Methods in default alternative financial payment mode, and confirms payment;
Step P3, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes paying the bill, and finishes to pay the bill; As entered next step for subscriber authentication success;
Step P4, the financial payment accounts information that the payment information that step P1 is read is corresponding with the financial payment mode that step P2 selects, sends to financial payment central server corresponding to selected financial payment mode by WiFi radio communication;
Step P5, account name, password and the balance amount information of financial payment center checking financial payment account; The Payment Failed reason of feeding back by WiFi radio communication is presented on electronic curtain as wrong, finishes payment; Continue payment as errorless, complete payment;
Certainly,, if user's financial payment account has been preset short-message verification function, in above-mentioned payment action step P5, after the errorless continuation payment of financial payment center checking financial payment accounts information, also comprise (not shown):
Step P51, financial payment central server, according to the setting of financial payment account, sends the cell-phone number of short-message verification code to described financial payment account binding;
Step P52, user inputs the short-message verification code of receiving on above-mentioned cell-phone number, and sends to above-mentioned financial payment central server by WiFi radio communication; Thereby complete payment;
Wherein gathering action comprises as shown in Figure 8,
Step R1, user sets collection amount, in default alternative financial payment mode, selects gathering mode, and confirms gathering;
Step R2, reads the result of dressing checking action, as do not verified or authentication failed for user identity, on electronic curtain, shows because of user identity and does not verify or the authentication failed unsuccessful information that causes collecting money, and finishes to collect money; As entered next step for subscriber authentication success;
Step R3, set with step R1 containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the NFC electronics gathering label with certain timeliness;
Step R4, paying party is by the gathering information on NFC near-field communication read electric gathering label and pay, and user completes gathering.
Certainly, in the time that embodiment 2 is wearable bank settlement device, also can be with above-mentioned Wearable gathering and paying method, something in common is not repeated, and is described below below with regard to difference:
The described step S1 arranging in action is original identity skin information and the original identity fingerprint information of being set and being stored user by human skin sensor and fingerprint sensor;
The step V2 of described wearing checking action, to read the instant identity skin of user information by human skin sensor, compare with the default original identity skin of user information, read the instant identity fingerprint information of user by fingerprint sensor, compare with the default original identity fingerprint information of user; As exist inconsistently, and to dress the result and be recorded as subscriber authentication failure, user identity identification pilot lamp takes on a red color; Be recorded as subscriber authentication success as all unanimously dressed the result, it is green that user identity identification pilot lamp is;
Step P1 in described payment action is that bar code or the two-dimension code label default by scan articles reads the payment information containing price and finance account;
Step R3 in described gathering action, the gathering label of generation is bar code or the Quick Response Code being presented on electronic curtain, in step R4, paying party reads the gathering information in gathering label by scanning bar code or Quick Response Code.
In wearable bank settlement device in above-mentioned Wearable gathering and paying method, comprise wearing induction module, a kind of mode is to judge by temperature sensor or pressure transducer whether this device is wearing state, and another kind of mode is to judge by buckle or touching button trigger circuit signal whether this device is wearing state.
Under this mode, user only need dress bank settlement device and complete identification checking, only otherwise take off this device and can repeatedly carry out bank settlement operation, originally the step that need to repeatedly carry out identification checking while further having reduced bank settlement action each time, and there is pilot lamp intuitively to express user identity identification result, more succinct, quick, safety.
Equally, except the wearable bank settlement device for embodiment 1 and embodiment 2, in above-mentioned Wearable gathering and paying method, terminal user ID identification also can be combined setting according to demand with biology sensor, can be one or more in pulse transducer, human body posture sensor, human skin sensor.Except WiFi radio communication, also can comprise one or more communication modes of 3G, bluetooth, USB, for mutual with financial payment platform, computing machine, mobile phone or other electronic payment devices end messages.Set in advance for user and select the financial payment mode for bank settlement, can be more than one bank and/or more than one third party paying centre.
Claims (14)
1. the portable bank settlement device of high security, comprising:
Memory module (1), for storing user's original identity information, selecting for the financial payment mode of bank settlement, the financial payment accounts information containing account name and password corresponding to described financial payment mode for user;
Payment information reads with gathering information module (2) is set, the payment information containing price and finance account of presetting for reading article when payment; When gathering for set according to user containing account name corresponding to financial payment mode, described financial payment mode and the gathering information of collection amount, generate the gathering label with certain timeliness;
Terminal user ID identification module (3), for read the original identity information of user by biology sensor, and is stored in described memory module; For read the instant identity information of user by biology sensor, the original identity information comparison of user with default in memory module, completes identification and verification simultaneously;
Communication module (4), for mutual with financial payment platform, computing machine, mobile phone, other electronic payment devices end messages;
Input/output module (5), comprises keyboard, electronic curtain (51), for man-machine interaction;
Microcontroller (6), for controlling, payment information reads and gathering information arranges the information interaction between module, terminal user ID identification module, memory module, communication module, input/output module.
2. the portable bank settlement device of high security according to claim 1, it is characterized in that: in described terminal user ID identification module (3), for reading the biology sensor of the original identity information of user and the instant identity information of user, be one or more in pulse transducer (31), human body posture sensor, human skin sensor (33) or fingerprint Identification sensor (32).
3. the portable bank settlement device of high security according to claim 1, it is characterized in that: described payment information reads with gathering information module (2) is set, comprise built-in NFC module (21), while being used for paying the bill, read the described default payment information of article by NFC near-field communication, when gathering, according to described gathering Information generation NFC electronics gathering label, read described gathering label information for paying party by NFC near-field communication.
4. the portable bank settlement device of high security according to claim 1, it is characterized in that: described payment information reads with gathering information module (2) is set, comprise built-in barcode scanning module (22), read the described default payment information of article by scanning bar code or Quick Response Code when paying the bill; Bar code and two-dimensional code generation module (23), according to described gathering Information generation bar code or Quick Response Code gathering label, read gathering label information for paying party by scanning bar code or Quick Response Code when collecting money.
5. the portable bank settlement device of high security according to claim 1, is characterized in that: described communication module (4), comprises built-in WiFi module (41).
6. the portable bank settlement device of high security according to claim 5, is characterized in that: described communication module (4), also comprises built-in 3G module, USB(43), bluetooth (42) one or more.
7. the portable bank settlement device of high security according to claim 1, is characterized in that: in described memory module (1), the financial payment mode of selecting for user of storage is more than one bank and/or more than one third party paying centre.
8. the portable bank settlement device of high security according to claim 1, is characterized in that: the keyboard in described input/output module (5) is hard manual (52) or soft keyboard (53), and described electronic curtain (51) is OLED screen.
9. according to the portable bank settlement device of the high security described in arbitrary claim in claim 1 to 8, it is characterized in that: described bank settlement device is wearable bank settlement device.
10. the portable bank settlement device of high security according to claim 9, is characterized in that: described bank settlement device is the wearable bank settlement device being built in watch or bangle or bracelet or ring.
The portable bank settlement device of 11. high security according to claim 9, is characterized in that: described bank settlement device is that profile is the wearable bank settlement device of wrist watch shape or bracelet shape or ring shape.
The portable bank settlement device of 12. high security according to claim 9, is characterized in that: described wearable bank settlement device also comprises wearing induction module, for judging whether this device is wearing state.
The portable bank settlement device of 13. high security according to claim 12, is characterized in that: described wearing induction module comprises temperature sensor or pressure transducer, judges by warming or pressure sensitivity whether this device is wearing state.
The portable bank settlement device of 14. high security according to claim 12, is characterized in that: described wearing induction module comprises buckle or touching button, judges by buckle or touching button trigger circuit signal whether this device is wearing state.
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