CN104240086A - Intelligent payment system based on finger vein - Google Patents

Intelligent payment system based on finger vein Download PDF

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Publication number
CN104240086A
CN104240086A CN201310271957.5A CN201310271957A CN104240086A CN 104240086 A CN104240086 A CN 104240086A CN 201310271957 A CN201310271957 A CN 201310271957A CN 104240086 A CN104240086 A CN 104240086A
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China
Prior art keywords
consumption
mobile phone
user
trade company
input
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Pending
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CN201310271957.5A
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Chinese (zh)
Inventor
陈亘朝
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Individual
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Individual
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Priority to CN201310271957.5A priority Critical patent/CN104240086A/en
Publication of CN104240086A publication Critical patent/CN104240086A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Credit-card consumption has already been used for several decades. As various intelligent technologies are developed, and the user requirements are changed and improved, the credit-card consumption can not well meet the needs of the society and the market yet. An intelligent payment system based on the finger vein determines the personal identity of the user by judging a mobile phone number and identifying the finger vein, and is a real payment mode based on the biological characteristics of a person. The smart phone technology can be applied so that a plurality of bank cards of different banks can be switched conveniently, the user does not need to carry the bank cards for consumption, and the safety risk of password inputting can be avoided. According to the intelligent payment system based on the finger vein, by the adoption of the cloud service technology, value-added service such as consumption risk information and consumption statistical information can be provided for the user, and the consumption safety of the user can be guaranteed; no matter whether the user consumes in a shopping mall or at a small vendor, as long as the consumption is realized through the system, the system provides the consumption risk information for the user, and therefore the user can trace the information conveniently afterwards. By means of the information service provided by the system, counterfeit and shoddy products are exposed to supervision of the public and have nowhere to hide.

Description

Based on the intelligent payment system referring to vein
1, technical field:
Electronic Finance payment technical field: use and refer to that vein biometric recognition technology, intelligent mobile phone wireless communication technology, Cloud Server technology realize the intelligence payment of consumption.
2, technical background
Current client is when consumption occasion is consumed in market hotel etc., and adopt the modes of payments of bankcard consumption, just the shopping bankcard consumption of client is example, and client swipes the card on the bank POS machine in market, and inputs password, and then, printed tickets is signed.After shopping, client also needs reservation two parts of bills, and portion is the detailed bill of shopping printed from business POS, and another part is the bank card evidence for payment printed from bank POS machine.This bankcard consumption mode, has following several trouble and potential safety hazard: consumer must with the trouble of card concerning consumer; Consumer needs the trouble inputting password; The potential safety hazard that password is revealed; Consumer must retain and manage the trouble of shopping voucher; Consumer must retain and managing payment voucher, especially, to the people having multiple bank cards, manages these vouchers and takes a lot of trouble effort especially; Consumer, after shopping, is just difficult to learn whether have defective product in all shopping products with shopping voucher, wants to make clear and also have no way of doing it, and so just can not guarantee to consume physical and mental health.This bankcard consumption mode, also really loses time for trade company very much, and needs to manage a lot of printing voucher, especially for all the more so large supermarket.
Bankcard consumption continues to use decades, along with the development of various intellectual technology and the change of user's request and raising, can not meet the needs in society and market well.Based on the intelligent modes of payments referring to vein, can not only bring convenience and fund security to customer consumption, and effective consumption prompting and consumption tracked information, consumption statistic information can be provided to user.Utilize biological identification technology, smart mobile phone, Cloud Server technology, user is allowed to facilitate consumption, relieved consumption, safe consumption, effectively avoid consumer's risk, that carries out defective products consumption in time remedies prompting, effectively can ensure psychology and the physiological health of consumer.
3, summary of the invention
(1), judge phone number based on referring to that the intelligent payment system of vein adopts and refer to that hand vein recognition identifies the identity of individual subscriber.This system is made up of open an account terminal, trade company's site consumption terminal, little trade company consumption terminal, user's designated mobile phone of Cloud Server, site.This system is not only supplied to customer consumption payment services, but also provides the consumption information service of user's abundance.
(2), refer to hand vein recognition instrument: it is the important component part of consumption terminal, there is the function referring to vein input and character separation and identification; There is the communication function with business POS; There is data encryption and data packing function; Have by USB port and mobile communication function; The function that there is self-charging and charge the phone.It is by referring to that vein module, data encryption module, communication module, power module, charge-discharge modules form.It also can obtain power supply by USB port from mobile phone by mains-supplied, and when obtaining power supply by USB port from mobile phone, this equipment operates in low-power consumption mode.
(3), trade company's site consumption terminal, it is used in the larger consumption place such as market, supermarket, is to connect smart mobile phone by finger hand vein recognition instrument by USB port, connects business POS machine and forms, adopt split-type structural by RS232 mouth.
(4), little trade company consumption terminal, it is used in the small-sized miniature consumption place such as food market, small shop, it by refer to hand vein recognition instrument by USB port connect smart mobile phone form, adopt split-type structural.
(5), the input mode of user mobile phone number:
Mode 1: inputted by the touch keyboard of trade company's mobile phone;
Mode 2: by brushing the Quick Response Code input handset number be attached on user mobile phone in the imaging region of trade company's mobile phone.
Mode 3: by the Quick Response Code input handset number of the imaging region brush user mobile phone liquid crystal screen display at trade company's mobile phone.
These three kinds of input modes can share in consumption place, and client can select according to the hobby of oneself.
(6), cell phone managing software:
Cell phone managing software is downloaded by user, and is arranged on user mobile phone, and its major function has:
(1), with cell phone managing software revise binding card, multiple bank cards of the general Dou Youduojia bank of user, user uses the mobile phone of specifying, and by the amendment binding card function of this software, can switch between multiple bank cards easily.
(2), user uses designated mobile phone, with the wholesale consumption authorization function of this software, realizes consumption and authorizes.
(3), user uses designated mobile phone, with the consumption query function of this software, can inquire following data: 1. consumption total value monthly; 2. year cumulative consumption total value; 3. in the amount of consumption in certain market; 4. defective products inventory; 5. the inventory of certain consumption; 6. the source-information of traceable source commodity (as vegetables); (7), consumer's risk statistical form, condition of consumption analytical table.
(7) flow process of opening an account of vein user, is referred to:
(1), user is to the site of opening an account of specifying; (2), personal identity card is shown; (3), personal mobile phone number is submitted to; (4), bank card number is submitted to; (5), on finger hand vein recognition instrument, input one refers to venous information; (6), personal identification number+personal mobile phone number+, site of opening an account refers to that venous information+bank card number data packing is sent to Cloud Server, and Cloud Server return message is to site terminal, and transaction completes.(7), print the little paster of Quick Response Code to client, it is pasted onto on mobile phone by client, with mode input handset number when consuming of brush Quick Response Code, to replace using key-press input cell-phone number, can save time widely and bring great convenience like this.
(8) method of binding card, is changed:
(1), user runs intelligent payment management software on the mobile phone of specifying; (2) binding card replacement menu, is entered; (3), input handset number; (4), new bank card number is inputted; (5), system returns veritification code by note; (6), user inputs veritification code; (7), system returns result.
(9), as follows in the place consumption flow process being equipped with business POS machine:
(1), brush Quick Response Code or input my cell-phone number from trade company's mobile phone touch keyboard; (2), confirm display information and spending amount correct; (3), on finger hand vein recognition instrument, input listed one and refer to venous information; (4), personal mobile phone number+, trade company's site consumption terminal refers to that venous information+dealing money+trade company's number packing is sent to Cloud Server, and Cloud Server return message is to site consumption terminal; (6), trade company site consumption terminal is sent to Cloud Server the packing of the transaction details listings data of individual; (7), on business POS machine, consumption details is printed.
(10) the place consumption flow process, not being equipped with business POS machine in food market etc. is as follows:
(1), brush Quick Response Code or input my cell-phone number from trade company's mobile phone touch keyboard; (2), confirm display information and spending amount correct; (3), on finger hand vein recognition instrument, input listed one and refer to venous information; (4), personal mobile phone number+, little trade company consumption terminal refers to that venous information+dealing money+trade company's number packing is sent to Cloud Server, and Cloud Server return message gives little trade company consumption terminal; (6), little trade company consumption terminal is sent to Cloud Server the packing of the transaction details listings data of individual; (7), system sends consumption details note on the designated mobile phone of client.
(11), to make wholesale consumption pre-authorization with my designated mobile phone
Wholesale consumption refers to that the one-time-consumption amount of money is greater than the consumption of 2000 yuan, must make pre-authorization, only in this way, just can complete consumption before its consumption with my mobile phone.Wholesale consumption pre-authorization flow process is as follows:
(1), user runs intelligent payment management software with the designated mobile phone of oneself;
(2) wholesale consumption pre-authorization menu, is entered;
(3), input handset number, input authorize the amount of money;
(4), system is veritified on code to your designated mobile phone by short message sending;
(5) the veritification code just received, is inputted;
(6), result is returned.
(12), with my designated mobile phone inquiry consumption data
The flow process of inquiry consumption data is as follows:
(1), user runs intelligent payment management software with the designated mobile phone of oneself;
(2), enter consumption inquiry menu, select queried for items;
(3), input handset number;
(4), system is veritified on code to your designated mobile phone by short message sending;
(5) the veritification code just received, is inputted;
(6), return and show Query Result.
(13), replacing refer to the flow process of vein and cell-phone number:
(1), user is to the site of opening an account of specifying; (2), personal identity card is shown; (3), personal mobile phone number is submitted to; (4), bank card number is submitted to; (5), on finger hand vein recognition instrument, input one refers to venous information; (6), personal identification number+personal mobile phone number+, site of opening an account refers to that venous information+bank card number data packing is sent to Cloud Server, and Cloud Server return message is to site terminal, and transaction completes.(7) the little paster of Quick Response Code, is printed to client.
(14), the picture ID consumption replacing swiping the card with picture ID:
Can not use for few part the crowd referring to vein, native system adopts the smart mobile phone on consumption terminal, with the front of this smart mobile phone according to bank card, use video procession technology, identify the card number of this bank card, then, input bank card password by user, carry out consumption.Namely substitute the existing mode of swiping the card with picture ID and input bank card number information.
4, accompanying drawing explanation
Fig. 1 is the schematic diagram based on the intelligent payment system referring to vein, as Fig. 1, forms by with lower part: 1. Cloud Server; 2. open an account terminal in site; 3. trade company site consumption terminal; ④ little trade company consumption terminal; 5. user's designated mobile phone.
5, embodiment
(1), Cloud Server is installed;
(2), select a bank as pilot bank, site is set in this bank and opens an account terminal;
(3), select some markets, put trade company's site consumption terminal at these market linings;
(4), under pilot obtains successful prerequisite, more constantly adding users number and trade company's number;
(5), arrange site in other bank to open an account terminal;
(6) if obtain successfully in a city, other city is progressively expanded to by a city.

Claims (8)

1. judge phone number based on referring to that the intelligent payment system of vein adopts and refer to that hand vein recognition identifies the identity of individual subscriber.This system is made up of open an account terminal, trade company's site consumption terminal, little trade company consumption terminal, user's designated mobile phone of Cloud Server, site.This system is not only supplied to customer consumption payment services, but also provides the consumption information service of user's abundance.
2. refer to hand vein recognition instrument: it is the important component part of consumption terminal, there is the function referring to vein input and character separation and identification; There is the communication function with business POS; There is data encryption and data packing function; Have by USB port and mobile communication function; The function that there is self-charging and charge the phone.It is by referring to that vein module, data encryption module, communication module, power module, charge-discharge modules form.It also can obtain power supply by USB port from mobile phone by mains-supplied, and when obtaining power supply by USB port from mobile phone, this equipment operates in low-power consumption mode.
3. trade company site consumption terminal, it is used in the larger consumption place such as market, supermarket, is to connect smart mobile phone by finger hand vein recognition instrument by USB port, connects business POS machine and forms, adopt split-type structural by RS232 mouth.Little trade company consumption terminal, it is used in the small-sized miniature consumption place such as food market, small shop, and it, by referring to that hand vein recognition instrument connects smart mobile phone by USB port and forms, adopts split-type structural.
4. the input mode of user mobile phone number:
Mode 1: inputted by the touch keyboard of trade company's mobile phone;
Mode 2: by brushing the Quick Response Code input handset number be attached on user mobile phone in the imaging region of trade company's mobile phone.
Mode 3: by the Quick Response Code input handset number of the imaging region brush user mobile phone liquid crystal screen display at trade company's mobile phone.
These three kinds of input modes can share in consumption place, and client can select according to the hobby of oneself.
5. revise binding card, multiple bank cards of the general Dou Youduojia bank of user with cell phone managing software, user uses the mobile phone of specifying, and by the amendment binding card function of this software, can switch between multiple bank cards easily.
6. user uses designated mobile phone, with the consumption query function of this software, can inquire following data: 1. consumption total value monthly; 2. year cumulative consumption total value; 3. in the amount of consumption in certain market; 4. defective products inventory; 5. the inventory of certain consumption; 6. the source-information of traceable source commodity (as vegetables); (7), consumer's risk statistical form, condition of consumption analytical table.
7. print the little paster of Quick Response Code to client, it is pasted onto on mobile phone by client, with mode input handset number when consuming of brush Quick Response Code, to replace using key-press input cell-phone number, can save time widely and bring great convenience like this.
8. can not use for few part the crowd referring to vein, native system adopts the smart mobile phone on consumption terminal, with the front of this smart mobile phone according to bank card, use video procession technology, identify the card number of this bank card, then, input bank card password by user, carry out consumption.Namely substitute the existing mode of swiping the card with picture ID and input bank card number information.
CN201310271957.5A 2013-06-22 2013-06-22 Intelligent payment system based on finger vein Pending CN104240086A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201310271957.5A CN104240086A (en) 2013-06-22 2013-06-22 Intelligent payment system based on finger vein

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201310271957.5A CN104240086A (en) 2013-06-22 2013-06-22 Intelligent payment system based on finger vein

Publications (1)

Publication Number Publication Date
CN104240086A true CN104240086A (en) 2014-12-24

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CN201310271957.5A Pending CN104240086A (en) 2013-06-22 2013-06-22 Intelligent payment system based on finger vein

Country Status (1)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105160532A (en) * 2015-09-23 2015-12-16 江苏富士通通信技术有限公司 Palm vein authentication based payment management method, apparatus and system

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105160532A (en) * 2015-09-23 2015-12-16 江苏富士通通信技术有限公司 Palm vein authentication based payment management method, apparatus and system

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Addressee: Chen Genchao

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Application publication date: 20141224