CN104361493A - Electronic payment method on basis of biological characteristics - Google Patents
Electronic payment method on basis of biological characteristics Download PDFInfo
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- CN104361493A CN104361493A CN201410625198.2A CN201410625198A CN104361493A CN 104361493 A CN104361493 A CN 104361493A CN 201410625198 A CN201410625198 A CN 201410625198A CN 104361493 A CN104361493 A CN 104361493A
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- G—PHYSICS
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention relates to the technical field of electronic payment and discloses an electronic payment method and system on the basis of biological characteristics. The electronic payment method includes that a terminal acquire names and cellphone numbers of users for member registration of the users; after member registration, the terminal further acquires user data and the biological characteristics of the users for registration; during payment, the terminal can acquire the registered cellphone numbers and acquire the registered user data and the biological characteristics of the users according to the cellphone numbers, and the biological characteristics of the users are verified; after verification is succeeded, payment for expense of the users is performed. The embodiment of the invention provides an innovative payment way, during the electronic payment, bankcards of the users as well as input of bankcard passwords are not needed, payment for the expense of the users is facilitated and risk of loss of the bankcards of the users is avoided as well. Meanwhile, the biological characteristics are unique, so that risk of bankcard embezzling by other people is avoided.
Description
Technical field
The present invention relates to E-Payment technical field, particularly a kind of electric paying method based on biological characteristic.
Background technology
Along with the popularization of point-of-sale terminal (Point of Sales, " POS ") is with universal, pays by mails owing to having convenient, fast and efficient advantage, become the new model that people are engaged in economic life gradually.
But, carry out in the process paid by mails in use POS, not only need user to carry with bank card, also need user scene input bank card password, thus payment accounts and the stolen situation of payment cipher are happened occasionally, for account, holder causes economic loss.Meanwhile, use POS to swipe the card continually, also likely cause bank card generation demagnetization, thus affect normally carrying out of E-Payment.Therefore, the safety problem using POS to carry out paying by mails has become the key factor of restriction electronic transaction, how to reduce the risk of E-Payment, significant for specification E-Payment market.
Summary of the invention
The object of the present invention is to provide a kind of electric paying method based on biological characteristic and electronic fare payment system, effectively reduce and pay risk by mails.
For solving the problems of the technologies described above, embodiments of the present invention provide a kind of electric paying method based on biological characteristic, comprise following steps:
Terminal carries out member registration by the title and cell-phone number obtaining user to described user;
After described member registration success, the biological characteristic that described terminal gathers user data and described user is further registered, described user data comprises: bank's card number of described user and corresponding bank card password, and described biological characteristic comprises: face image data and hand arteries and veins data;
When paying, terminal obtains the cell-phone number of described user;
Described terminal obtains the user data of described user registration and the biological characteristic of user according to the cell-phone number of described user, described user is carried out to the checking of biological characteristic; After described biological characteristic validation success, the spending amount of described terminal to described user pays.
Embodiments of the present invention additionally provide a kind of electronic fare payment system based on biological characteristic, and described electronic fare payment system comprises member registration module, acquisition module and payment module;
Described member registration module carries out member registration for the title and cell-phone number obtaining described user;
Described acquisition module is registered for the biological characteristic gathering described user data and user, and when described user pays, according to registration cell-phone number obtain user data and the biological characteristic of user of registration, described user is carried out to the checking of biological characteristic, and after biological characteristic validation success, send payment instruction to described payment module;
Described payment module receives described payment instruction, pays the spending amount of described user,
Wherein, described user data comprises: bank's card number of described user and corresponding bank card password, described biological characteristic comprises: face image data and hand arteries and veins data.
Embodiment of the present invention in terms of existing technologies, provide a kind of modes of payments of novelty, carry out in the process paid by mails, do not need the bank card using user, also bank card password is inputted without the need to user, both having facilitated the payment of user to spending amount, having it also avoid user exists loss risk because carrying bank card; Simultaneously because biological characteristic has its unique identification, therefore avoid bank card by risk that other people usurp.
Further, obtain the user data of described user registration and the biological characteristic of user in described terminal according to the cell-phone number of described user, carry out described user, in the step of the checking of biological characteristic, comprising following sub-step:
Described terminal obtains the hand arteries and veins data of described user, and verifies the hand arteries and veins data of described user;
If described hand arteries and veins data verification success, then described terminal obtains the face image data of described user, and verifies the face image data of described user;
If the face image data of described user is proved to be successful, then the biological characteristic validation success of described user.Hand arteries and veins is the feature that palm live body just exists, and hand arteries and veins is present in palm inside, cognitive disorders can not be brought because of the damage of palm surface, for face image, accuracy and the security of the identification of hand arteries and veins are higher, therefore first the identification of hand arteries and veins is carried out to user, be conducive to improving the security paid by mails.
Further, if described hand arteries and veins data verification success, then described terminal obtains the face image data of described user, and in the step verified the face image data of described user, comprises following sub-step:
Described terminal obtains the face image data of described user, and verifies according to the cell-phone number of described user the to transfer described user registration face image data of face image data to described acquisition from face image data storehouse.When carrying out face image data coupling, directly from face image data storehouse, the face image data that described user registers can be deployed into terminal to mate, the face image data of described user is no longer needed to be sent to remote server by terminal, to transfer by remote server the face image data that described user registers from face image data storehouse to mate, send matching result to terminal again, thus decrease the time of carrying out face image data coupling.
Further, described user data also comprises the face recognition password of described user;
If described biological characteristic validation failure, then described in described terminal judges, whether the acquisition number of times of face image data reaches default acquisition number of times;
If the acquisition number of times of described face image does not reach described default acquisition number of times, then described terminal obtains the face image data of described user again;
If the acquisition number of times of described face image data has reached described default acquisition number of times, then described terminal has obtained the face recognition password of described user, and mates with the face recognition password that described user registers;
If the match is successful for described face recognition password, then the spending amount of described terminal to described user pays.The setting of face recognition password, further provides a kind of selection for user carries out E-Payment, further ensures carrying out smoothly of E-Payment.
Further, described terminal sends to local dynamic base by after the spending amount of described user, cell-phone number encryption;
Described local dynamic base obtains bank's card number of described user registration and corresponding bank card password according to the cell-phone number of described user;
Described local dynamic base sends to bank to pay after the spending amount of described user, bank's card number and corresponding bank card password encryption with point-to-point transmission link.In terms of existing technologies, present embodiment, between local dynamic base and bank, transmits the bank card information of user, thus avoids in transmitting procedure with point-to-point transmission link, the bank card information of user leaks, and has effectively ensured the security of the bank card information of user.
Further, the spending amount of described user, bank's card number and corresponding bank card password send to after bank carries out the step paid by described local dynamic base, comprise the following steps:
Judge that whether payment is successful;
If pay successfully, then described terminal calls the electronic signature specimen page of described bank, and after signature completes, print electronic signature specimen page retain to user, the face image of described electronic signature specimen page and described user is sent to described remote server simultaneously and preserves.Preserve the face image of electronic signature specimen page and described user, make consumer can check consumption information at any time, further ensure the security of electronic transaction.
Accompanying drawing explanation
Fig. 1 is the register flow path figure of the electric paying method according to first embodiment of the invention;
Fig. 2 is the payment flow figure of the electric paying method according to first embodiment of the invention;
Fig. 3 is the structural representation of the electronic fare payment system according to second embodiment of the invention.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly, below in conjunction with accompanying drawing, the embodiments of the present invention are explained in detail.But, persons of ordinary skill in the art may appreciate that in each embodiment of the present invention, proposing many ins and outs to make reader understand the application better.But, even without these ins and outs with based on the many variations of following embodiment and amendment, each claim of the application technical scheme required for protection also can be realized.
First embodiment of the present invention relates to a kind of electric paying method based on biological characteristic.In the present embodiment, user, before use biological characteristic is paid by mails, needs first to use title, cell-phone number to carry out member registration, also needs the registration carrying out biological characteristic after member registration.The idiographic flow of registration as shown in Figure 1.
In a step 101, terminal by obtaining the title of user, cell-phone number carries out member registration.After member registration success, user can obtain a corresponding membership number, and later user just can log in terminal by this membership number, using the cell-phone number of user's registration as the membership number of user in embodiment of the present invention.
After member registration success, the biological characteristic that terminal gathers user data and user is further registered; In present embodiment, this user data comprises face recognition password, bank's card number and corresponding bank card password; The biological characteristic of user comprises face image data and hand arteries and veins data.
Specifically, in a step 102, terminal first scans the hand arteries and veins (namely slapping passages through which vital energy circulates) of user, obtains the hand arteries and veins data of user, and judges whether hand arteries and veins data obtain successfully, if successfully obtain the hand arteries and veins data of user, then enter step 103; If the hand arteries and veins data acquisition failure of user, then return step 102, rescan the hand arteries and veins of user.
In step 103, the face image of terminal scanning user, obtains the face image data of user, and judges whether face image data obtains successfully, if successfully obtain the face image data of user, then enter step 104; If the face image data of user obtains unsuccessfully, then return step 103, rescan the face image of user.
At step 104, terminal obtains the face recognition password of user, and this face recognition password is by user's self-defining.Terminal can carry out twice confirmation to the face recognition password of user, identical to ensure the face recognition password of user's twice input, confirms successfully, then enters step 105.
In step 105, terminal obtains bank's card number of user and corresponding bank card password, and send to bank after being encrypted, whether be tied to the bank card password of this bank's card number by this bank card password of bank validation in advance, and send the result to terminal; If this bank card password is the bank card password being tied to this bank's card number in advance, then enter step 106, in step 106, bank's card number of user and corresponding bank card password are sent to remote server and preserve by terminal, the hand arteries and veins data of user and face image data are stored in hand arteries and veins database and face image data storehouse respectively simultaneously; If this bank card password is not the bank card password being tied to this bank's card number in advance, then return step 105, terminal obtains bank's card number of user and corresponding bank card password again.
When paying, user first enters terminal by the cell-phone number of registration, and obtain according to the cell-phone number of registration the user data of registration and the biological characteristic of user to carry out biological characteristic checking to user, after being proved to be successful, the spending amount of terminal to this user pays.
Specifically, as shown in Figure 2, in step 201, terminal obtains the cell-phone number of user.Enter step 202.
In step 202., terminal is carried out the scanning of hand arteries and veins to user and is obtained hand arteries and veins data, and the hand arteries and veins data of acquisition and the cell-phone number of user are sent to remote server, the hand arteries and veins data that remote server is registered from hand arteries and veins database calling and obtaining user according to the cell-phone number of user, mate with the hand arteries and veins data obtained, whether both judgements are consistent, and judged result is sent to terminal; If the success of hand arteries and veins Data Matching, then enter step 203; If hand arteries and veins Data Matching is unsuccessful, then return step 202.
In step 203, terminal carries out to user the face image data that face scan obtains user, and according to the face image data that the cell-phone number of user is registered from face image data storehouse calling and obtaining user, mate with the face image data obtained, whether both judgements are consistent; If the match is successful for face image data, then enter step 206; If it fails to match for face image data, then enter step 204.
In step 204, whether the acquisition number of times of terminal judges face image data is default number of times, if the acquisition number of times of face image is not default number of times, then returns step 203; If the acquisition number of times of face image is default number of times, enter step 205.In present embodiment, the acquisition number of times that face image data is preset is 3 times.
In step 205, terminal obtains the face recognition password of user, and mates with the face recognition password that user registers, and whether both judgements are consistent; If it fails to match for face recognition password, then return step 205, if the match is successful for face image data, then enter step 206.
In step 206, terminal sends to local dynamic base by after the spending amount of user, cell-phone number encryption, local dynamic base obtains bank's card number of user's registration and corresponding bank card password according to the cell-phone number of user, and send to bank to pay after the spending amount of user, bank's card number and corresponding bank card password encryption with point-to-point transmission link, and judge that whether payment is successful.
If pay successfully, then enter step 207, in step 207, terminal calls the electronic signature specimen page of bank, and after signature completes, print electronic signature specimen page retain to user, electronic signature specimen page and the face image of user are sent to remote server simultaneously and preserve; If pay unsuccessfully, then return step 202.
Be not difficult to find, compared to prior art, embodiments of the present invention provide a kind of modes of payments of novelty, carry out in the process paid by mails, do not need the bank card using user, also inputting bank card password without the need to user, both facilitated the payment of user to spending amount, it also avoid user exists loss risk because carrying bank card; Simultaneously because biological characteristic has its unique identification, therefore avoid bank card by risk that other people usurp.
The step of various method divides above, just in order to be described clearly, can merge into a step or splitting some step, being decomposed into multiple step, when realizing as long as comprise identical logical relation, all in the protection domain of this patent; To adding inessential amendment in algorithm or in flow process or introducing inessential design, but the core design not changing its algorithm and flow process is all in the protection domain of this patent.
Second embodiment of the invention provides a kind of electronic fare payment system based on biological characteristic, and as shown in Figure 3, it comprises member registration module, acquisition module and payment module; Member registration module carries out member registration for the title and cell-phone number obtaining user, acquisition module is registered for the biological characteristic gathering user data and user, and when user pays, the user data of registration and the biological characteristic of user is obtained according to the cell-phone number of the user of registration, user is carried out to the checking of biological characteristic, and send payment instruction to payment module; Payment module receives payment instruction, pays the spending amount of user.Wherein, user data comprises: bank's card number of user and corresponding bank card password, biological characteristic comprises: face image data and hand arteries and veins data.
This member registration module first obtains title, the cell-phone number of user, carries out member registration to user, and after member registration success, user can obtain a corresponding membership number, and later user just can log in electronic fare payment system by this membership number.The cell-phone number that present embodiment is registered using user is as membership number, and after member registration success, user can enter acquisition module and register further.
Specifically, acquisition module first carries out the scanning of hand arteries and veins to user, gathers the hand arteries and veins data of user, and judge whether hand arteries and veins data gather successfully, if hand arteries and veins data acquisition success, then acquisition module can continue to carry out face image scanning to user, gathers the face image data of user; If hand arteries and veins data acquisition failure, then acquisition module can carry out the scanning of hand arteries and veins to user again.Similarly, if face image data collection failure, acquisition module also can carry out face image scanning to user again.If face image data collection success, acquisition module then continues the face recognition password obtaining user, and this face recognition password is by user's self-defining.Acquisition module can carry out twice confirmation to the face recognition password of user, identical to ensure the face recognition password of user's twice input, confirm successfully, acquisition module can continue to obtain bank's card number of user and corresponding bank card password, and send bank to by after bank's card number and corresponding bank card password encryption, whether be tied to the bank card password of this bank's card number by this bank card password of bank validation in advance, and send the result to acquisition module; If this bank card password is the bank card password being tied to this bank's card number in advance, then acquisition module preserves this bank's card number and corresponding bank card password, the hand arteries and veins data of user and face image data is stored in hand arteries and veins database and face image data storehouse respectively simultaneously; If this bank card password is not the bank card password being tied to this bank's card number in advance, then acquisition module will obtain bank's card number of user and corresponding bank card password again.
When user pays, acquisition module obtains the user data of registration and the biological characteristic of user according to the cell-phone number of the user of registration, user is carried out to the checking of biological characteristic, and sends payment instruction to payment module; Payment module receives payment instruction, pays the spending amount of user.
Specifically, acquisition module carries out the scanning of hand arteries and veins to user and obtains hand arteries and veins data, and from hand arteries and veins database, recall the hand arteries and veins data of this user according to the cell-phone number of user, both is mated, if hand arteries and veins Data Matching is unsuccessful, then acquisition module can re-start the scanning of hand arteries and veins to user.If the success of hand arteries and veins Data Matching, then acquisition module can continue to carry out face image scanning to user, obtains the face image data of user, and from face image data storehouse, recalls the face image data of this user according to the cell-phone number of user, both mated.
If the match is successful for face image data, if then acquisition module can to the failure of payment module face image data Data Matching, then acquisition module first can judge the acquisition number of times whether the acquisition number of times of face image data reaches default, if the acquisition number of times of face image data does not reach default acquisition number of times, then acquisition module will carry out face image scanning to user again; If the acquisition number of times of face image data has reached default acquisition number of times, then acquisition module will obtain the face recognition password of user, and mates with the face recognition password that user registers.In present embodiment, the acquisition number of times that face image data is preset is 3 times.
If it fails to match for face recognition password, then acquisition module will obtain the face recognition password of user again.If the match is successful for face recognition password, then acquisition module can send payment instruction to payment module.
After payment module receives payment instruction, local dynamic base is sent to by after the spending amount of user, cell-phone number encryption, local dynamic base obtains bank's card number of user's registration and corresponding bank card password according to the cell-phone number of user, send to bank to pay after the spending amount of user, bank's card number and corresponding bank card password encryption with point-to-point transmission link, and judge that whether payment is successful.
If pay successfully, then payment module will call the electronic signature specimen page of bank, and print after signature completes electronic signature specimen page retain to user, the face image of this electronic signature specimen page and user is preserved simultaneously; If tackle failure, then payment module can send to acquisition module and again verify instruction, after acquisition module receives instruction, again will carry out the scanning of hand arteries and veins to user.
Be not difficult to find, present embodiment is the system embodiment corresponding with the first embodiment, and present embodiment can be worked in coordination with the first embodiment and be implemented.The relevant technical details mentioned in first embodiment is still effective in the present embodiment, in order to reduce repetition, repeats no more here.Correspondingly, the relevant technical details mentioned in present embodiment also can be applicable in the first embodiment.
It is worth mentioning that, each module involved in present embodiment is logic module, and in actual applications, a logical block can be a physical location, also can be a part for a physical location, can also realize with the combination of multiple physical location.In addition, in order to outstanding innovative part of the present invention, the unit not too close with solving technical matters relation proposed by the invention is not introduced in present embodiment, but this does not show the unit that there is not other in present embodiment.
Persons of ordinary skill in the art may appreciate that the respective embodiments described above realize specific embodiments of the invention, and in actual applications, various change can be done to it in the form and details, and without departing from the spirit and scope of the present invention.
Claims (12)
1. based on an electric paying method for biological characteristic, it is characterized in that, comprise following steps:
Terminal carries out member registration by the title and cell-phone number obtaining user to described user;
After described member registration success, the biological characteristic that described terminal gathers user data and described user is further registered, described user data comprises: bank's card number of described user and corresponding bank card password, and described biological characteristic comprises: face image data and hand arteries and veins data;
When paying, terminal obtains the cell-phone number of described user;
Described terminal obtains the user data of described user registration and the biological characteristic of user according to the cell-phone number of described user, described user is carried out to the checking of biological characteristic; After described biological characteristic validation success, the spending amount of described terminal to described user pays.
2. electric paying method according to claim 1, it is characterized in that, obtain the user data of described user registration and the biological characteristic of user in described terminal according to the cell-phone number of described user, carry out described user, in the step of the checking of biological characteristic, comprising following sub-step:
Described terminal obtains the hand arteries and veins data of described user, and verifies the hand arteries and veins data of described user;
If described hand arteries and veins data verification success, then described terminal obtains the face image data of described user, and verifies the face image data of described user;
If the face image data of described user is proved to be successful, then the biological characteristic validation success of described user.
3. electric paying method according to claim 2, is characterized in that, described terminal obtains the hand arteries and veins data of described user, and in the step verified the hand arteries and veins data of described user, comprises following sub-step:
Described terminal obtains the hand arteries and veins data of described user, and the hand arteries and veins data of described acquisition and the cell-phone number of described user are sent to remote server;
Described remote server transfers the hand arteries and veins data of described user registration from hand arteries and veins database according to the cell-phone number of described user, verify, and the result is sent to described terminal to the hand arteries and veins data of described acquisition.
4. electric paying method according to claim 2, it is characterized in that, if described hand arteries and veins data verification success, then described terminal obtains the face image data of described user, and in the step that the face image data of described user is verified, comprise following sub-step:
Described terminal obtains the face image data of described user, and verifies according to the cell-phone number of described user the to transfer described user registration face image data of face image data to described acquisition from face image data storehouse.
5. electric paying method according to claim 2, is characterized in that, described user data also comprises the face recognition password of described user;
If described biological characteristic validation failure, then described in described terminal judges, whether the acquisition number of times of face image data reaches default acquisition number of times;
If the acquisition number of times of described face image does not reach described default acquisition number of times, then described terminal obtains the face image data of described user again;
If the acquisition number of times of described face image data has reached described default acquisition number of times, then described terminal has obtained the face recognition password of described user, and mates with the face recognition password that described user registers;
If the match is successful for described face recognition password, then the spending amount of described terminal to described user pays.
6., according to the arbitrary described electric paying method of claim 1 or 5, it is characterized in that, in the step that the spending amount of described terminal to described user pays, comprise following sub-step:
Described terminal sends to local dynamic base by after the spending amount of described user, cell-phone number encryption;
Described local dynamic base transfers bank's card number of described user registration and corresponding bank card password according to the cell-phone number of described user;
Described local dynamic base sends to bank to pay after the spending amount of described user, bank's card number and corresponding bank card password encryption with point-to-point transmission link.
7. electric paying method according to claim 6, is characterized in that, the spending amount of described user, bank's card number and corresponding bank card password send to after bank carries out the step paid by described local dynamic base, comprise the following steps:
Judge that whether payment is successful;
If pay successfully, then described terminal calls the electronic signature specimen page of described bank, and after signature completes, print described electronic signature specimen page retain to user, the face image of described electronic signature specimen page and described user is sent to remote server simultaneously and preserves.
8. electric paying method according to claim 1, is characterized in that, the biological characteristic gathering user data and described user in described terminal further carries out in the step registered,
Described terminal is verified sending bank to after bank's card number of the described user obtained and corresponding bank card password encryption, and judges that whether checking is successful;
If be proved to be successful, then bank's card number of described user and corresponding bank card password are sent to remote server and preserve by described terminal.
9. electric paying method according to claim 8, is characterized in that, bank's card number of described user and corresponding bank card password are sent to after remote server carries out the step of preserving by described terminal, also comprise following steps:
The hand arteries and veins data of described user and face image data are stored in hand arteries and veins database and face image data storehouse by described terminal respectively.
10. based on an electronic fare payment system for biological characteristic, it is characterized in that, described electronic fare payment system comprises member registration module, acquisition module and payment module;
Described member registration module carries out member registration for the title and cell-phone number obtaining described user;
Described acquisition module is registered for the biological characteristic gathering described user data and user, and when described user pays, the user data of registration and the biological characteristic of user is obtained according to the cell-phone number of registration, described user is carried out to the checking of biological characteristic, and after biological characteristic validation success, send payment instruction to described payment module;
Described payment module receives described payment instruction, pays the spending amount of described user,
Wherein, described user data comprises: bank's card number of described user and corresponding bank card password, described biological characteristic comprises: face image data and hand arteries and veins data.
11. electronic fare payment systems according to claim 10, is characterized in that, described user data also comprises: face recognition password.
12. electronic fare payment systems according to claim 10, it is characterized in that, described payment module is also for paying successfully described consumption data, call the described electronic signature specimen page that described third party provides, after signature completes, print described electronic signature specimen page retains to described user, described electronic signature specimen page and described face image data is preserved simultaneously.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410625198.2A CN104361493B (en) | 2014-11-07 | 2014-11-07 | A kind of electric paying method based on biological characteristic |
| PCT/CN2015/081108 WO2016070618A1 (en) | 2014-11-07 | 2015-06-09 | Biological feature-based electronic payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410625198.2A CN104361493B (en) | 2014-11-07 | 2014-11-07 | A kind of electric paying method based on biological characteristic |
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| CN104361493A true CN104361493A (en) | 2015-02-18 |
| CN104361493B CN104361493B (en) | 2018-12-11 |
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Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016070618A1 (en) * | 2014-11-07 | 2016-05-12 | 亿百葩鲜数据科技（上海）有限公司 | Biological feature-based electronic payment method |
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| CN107563760A (en) * | 2017-08-25 | 2018-01-09 | 沈梦菲 | It is a kind of to support the 1 bio-identification cash method and system that people compares more than N |
| CN107578241A (en) * | 2016-07-05 | 2018-01-12 | 上海掌腾智能科技有限公司 | A kind of subway payment system based on regular guest's information |
| CN107679861A (en) * | 2017-08-30 | 2018-02-09 | 阿里巴巴集团控股有限公司 | Resource transfers method, payment funding method, apparatus and electronic equipment |
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| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
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| CN110009361A (en) * | 2019-03-21 | 2019-07-12 | 深兰科技（上海）有限公司 | A kind of settlement method and device |
| CN112487757A (en) * | 2020-11-18 | 2021-03-12 | 珠海格力电器股份有限公司 | English name display method and device based on industrial control screen |
| CN112950214A (en) * | 2021-01-29 | 2021-06-11 | 银盛通信有限公司 | Mobile internet safety payment method |
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| EP4102435A4 (en) * | 2020-02-07 | 2024-02-21 | Shinhan Card Co., Ltd. | Registration and payment method, device, and system using face information |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2016070618A1 (en) * | 2014-11-07 | 2016-05-12 | 亿百葩鲜数据科技（上海）有限公司 | Biological feature-based electronic payment method |
| CN105631673A (en) * | 2015-08-07 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | Cloud payment method, payment terminal, cloud payment platform and cloud payment system |
| CN107578241A (en) * | 2016-07-05 | 2018-01-12 | 上海掌腾智能科技有限公司 | A kind of subway payment system based on regular guest's information |
| CN106991571A (en) * | 2017-03-24 | 2017-07-28 | 上海掌腾智能科技有限公司 | A kind of portable intelligent payment terminal based on vena metacarpea |
| CN106991749A (en) * | 2017-05-27 | 2017-07-28 | 刘洪文 | Being used for based on biological characteristic shares unlocking and the payment system of equipment |
| CN108985134A (en) * | 2017-06-01 | 2018-12-11 | 重庆中科云丛科技有限公司 | Face In vivo detection and brush face method of commerce and system based on binocular camera |
| CN107563760A (en) * | 2017-08-25 | 2018-01-09 | 沈梦菲 | It is a kind of to support the 1 bio-identification cash method and system that people compares more than N |
| CN107679861A (en) * | 2017-08-30 | 2018-02-09 | 阿里巴巴集团控股有限公司 | Resource transfers method, payment funding method, apparatus and electronic equipment |
| CN107679861B (en) * | 2017-08-30 | 2022-11-11 | 创新先进技术有限公司 | Resource transfer method, fund payment method, device and electronic equipment |
| US11087327B2 (en) | 2017-08-30 | 2021-08-10 | Advanced New Technologies Co., Ltd. | Resource transfer method, fund payment method, and electronic device |
| CN107733919A (en) * | 2017-11-10 | 2018-02-23 | 上海易果电子商务有限公司 | A kind of method of user identity identification, terminal, server and system |
| US11568411B2 (en) | 2018-05-03 | 2023-01-31 | Huawei Technologies Co., Ltd. | Facial recognition-based payment method, apparatus, and terminal |
| CN108734471A (en) * | 2018-05-15 | 2018-11-02 | 惠龙易通国际物流股份有限公司 | Identity identifying method, device, system and storage medium in mobile-payment system |
| CN108922074A (en) * | 2018-05-31 | 2018-11-30 | 深圳壹账通智能科技有限公司 | Without card withdrawal method, apparatus, computer equipment and storage medium |
| CN113421087A (en) * | 2018-06-12 | 2021-09-21 | 创新先进技术有限公司 | Payment processing method and device and server |
| CN109118215A (en) * | 2018-06-12 | 2019-01-01 | 阿里巴巴集团控股有限公司 | payment processing method, device and server |
| WO2019237779A1 (en) * | 2018-06-12 | 2019-12-19 | 阿里巴巴集团控股有限公司 | Payment processing method and apparatus, and server |
| CN110009361A (en) * | 2019-03-21 | 2019-07-12 | 深兰科技（上海）有限公司 | A kind of settlement method and device |
| EP4102435A4 (en) * | 2020-02-07 | 2024-02-21 | Shinhan Card Co., Ltd. | Registration and payment method, device, and system using face information |
| CN112487757A (en) * | 2020-11-18 | 2021-03-12 | 珠海格力电器股份有限公司 | English name display method and device based on industrial control screen |
| CN112950214A (en) * | 2021-01-29 | 2021-06-11 | 银盛通信有限公司 | Mobile internet safety payment method |
Also Published As
| Publication number | Publication date |
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| CN104361493B (en) | 2018-12-11 |
| WO2016070618A1 (en) | 2016-05-12 |
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