CN105160532A - Palm vein authentication based payment management method, apparatus and system - Google Patents
Palm vein authentication based payment management method, apparatus and system Download PDFInfo
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- CN105160532A CN105160532A CN201510611323.9A CN201510611323A CN105160532A CN 105160532 A CN105160532 A CN 105160532A CN 201510611323 A CN201510611323 A CN 201510611323A CN 105160532 A CN105160532 A CN 105160532A
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- vena metacarpea
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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
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/12—Fingerprints or palmprints
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Abstract
The invention discloses a palm vein authentication based payment management method, apparatus and system. The method is applied to a multi-merchant settlement platform and comprises the following steps: obtaining member information and a stored-value balance numerical value, and storing the member information and the stored-value balance numerical value in a member information database of a cloud end in a cloud storage mode; receiving a consumption amount-containing payment request message sent by a merchant payment terminal; sending a request message containing obtained palm vein information of a current consumption user to the merchant payment terminal; receiving the message containing the palm vein information of the current consumption user and sent by the merchant payment terminal; performing palm vein information authentication; when an authentication result is that the current consumption user is a member, judging whether the consumption amount is less than or equal to the stored-value balance numerical value or not; when the consumption amount is less than or equal to the stored-value balance numerical value, generating a payment result message containing payment success information; and sending the payment result message to the merchant payment terminal. The method, the apparatus and the system have the advantage of high security.
Description
Technical field
The present invention relates to the payment management technical field in communication network, be specifically related to a kind of payment management method, Apparatus and system based on vena metacarpea certification.
Background technology
At present, megastore and small-sized shops get more and more, and while these markets and shops promote economic development, also bring a lot of facility to consumer.There is a lot of payment system bringing convenient management to these markets and shops in the market, wherein having also is much the payment management mode adopting member system, first typing membership information, a membership number is distributed again for each member, and provided the member card with Stored Value or integrating function to member user by a magnetic stripe card machine for punching the card, as member certificates, after member is to Stored Value in member card, namely this member card available is consumed.
But, above-mentioned payment system is all generally that unit uses, all membership informations and relevant business data are all kept at this locality, and member card does not generally also establish password, if member card is easily falsely used after losing, there is member authentication difficulty, problem that member authentication safe class is low, easily cause damage to member.In addition, leave local data in and also easily damage by home environment affects or lose, there is the problems such as data security is low.
Summary of the invention
Therefore, the technical problem to be solved in the present invention is to overcome the low defect of payment system security of the prior art, thus provides a kind of payment management method, the Apparatus and system based on vena metacarpea certification that can improve security.
For this reason, a kind of payment management method based on vena metacarpea certification of the present invention, is applied to many trade companies settlement platform, comprises the steps:
Obtain membership information and Stored Value remaining sum numerical value and be stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information;
Receive the payment request message comprising spending amount that trade company's payment terminal sends;
The request message comprising the vena metacarpea information obtaining current consumption user is sent to described trade company payment terminal;
Receive the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends;
Carry out vena metacarpea authentification of message;
When authentication result be current consumption user is member, judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information;
Described payment result message is sent to described trade company payment terminal.
Preferably, the step of carrying out vena metacarpea authentification of message described in comprises:
Judge whether the vena metacarpea information of described current consumption user exists in the described member information database being stored in high in the clouds;
When it is present, the authentication result that current consumption user is member is obtained;
When not existing, obtain the authentication result that current consumption user is not member.
Preferably, when described spending amount is less than or equal to described Stored Value remaining sum numerical value, also comprise the steps:
The numerical value obtained after described Stored Value remaining sum numerical value is deducted spending amount again assignment gives described Stored Value remaining sum numerical value;
Again the Stored Value remaining sum numerical value after assignment is sent to the mobile terminal of described current consumption user by the mode of note or micro-letter.
Preferably, also comprise the steps:
When authentication result be current consumption user is not member, send the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal;
Receive the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and be stored in the member information database in high in the clouds by membership information and Stored Value remaining sum numerical value by the mode that cloud stores, described membership information comprises vena metacarpea information;
Judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information;
Described payment result message is sent to described trade company payment terminal.
A kind of payment management method based on vena metacarpea certification of the present invention, is applied to trade company's payment terminal, comprises the steps:
The payment request message comprising spending amount is sent to many trade companies settlement platform;
Receive the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends;
Obtain the vena metacarpea information of current consumption user;
The message comprising the vena metacarpea information of current consumption user is sent to described many trade companies settlement platform;
Receive the payment result message that described many trade companies settlement platform sends.
Preferably, also comprise the steps:
Receive the request message comprising acquisition membership information and Stored Value remaining sum numerical value that described many trade companies settlement platform sends;
Obtain membership information and Stored Value remaining sum numerical value;
The message comprising described membership information and Stored Value remaining sum numerical value is sent to described many trade companies settlement platform.
A kind of payment management device based on vena metacarpea certification of the present invention, is applied to many trade companies settlement platform, comprises:
First acquiring unit, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information;
First receiving element, for receiving the payment request message comprising spending amount that trade company's payment terminal sends;
First transmitting element, for sending the request message comprising the vena metacarpea information obtaining current consumption user to described trade company payment terminal;
Second receiving element, for receiving the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends;
Vena metacarpea authentication ' unit, for carrying out vena metacarpea authentification of message;
First judging unit, when being member for being current consumption user when authentication result, judges whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
First generation unit, during for being less than or equal to described Stored Value remaining sum numerical value when described spending amount, produces the payment result message comprising and pay successful information;
Second transmitting element, for sending to described trade company payment terminal by described payment result message.
Preferably, described vena metacarpea authentication ' unit comprises:
Second judging unit, for judging whether the vena metacarpea information of described current consumption user exists in the described member information database being stored in high in the clouds;
First authentication result generation unit, for when it is present, produces the authentication result that current consumption user is member;
Second authentication result generation unit, for when not existing, produces the authentication result that current consumption user is not member.
Preferably, after described above-mentioned first judging unit, before or after the first generation unit, also comprise:
Computing unit, for the numerical value that obtains after described Stored Value remaining sum numerical value is deducted spending amount again assignment to described Stored Value remaining sum numerical value;
5th transmitting element, for sending to the mobile terminal of described current consumption user by the mode of note or micro-letter by the Stored Value remaining sum numerical value after assignment again.
Preferably, also comprise:
3rd transmitting element, when not being member for being current consumption user when authentication result, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal;
3rd receiving element, for receiving the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and membership information and Stored Value remaining sum numerical value are stored in the member information database in high in the clouds by the mode that cloud stores, described membership information comprises vena metacarpea information;
3rd judging unit, for judging whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
Second generation unit, during for being less than or equal to described Stored Value remaining sum numerical value when described spending amount, produces the payment result message comprising and pay successful information;
4th transmitting element, for sending to described trade company payment terminal by described payment result message.
A kind of payment management device based on vena metacarpea certification of the present invention, is applied to trade company's payment terminal, comprises:
First transmitting element, for sending the payment request message comprising spending amount to many trade companies settlement platform;
First receiving element, for receiving the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends;
First acquiring unit, for obtaining the vena metacarpea information of current consumption user;
Second transmitting element, for sending the message comprising the vena metacarpea information of current consumption user to described many trade companies settlement platform;
Second receiving element, for receiving the payment result message that described many trade companies settlement platform sends.
Preferably, also comprise:
3rd receiving element, for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that described many trade companies settlement platform sends;
Second acquisition unit, for obtaining membership information and Stored Value remaining sum numerical value;
3rd transmitting element, for sending the message comprising described membership information and Stored Value remaining sum numerical value to described many trade companies settlement platform.
A kind of payment administrative system based on vena metacarpea certification of the present invention, comprising:
Many trade companies settlement platform, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information; Receive the payment request message comprising spending amount that trade company's payment terminal sends; The request message comprising the vena metacarpea information obtaining current consumption user is sent to described trade company payment terminal; Receive the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends; Carry out vena metacarpea authentification of message; When authentication result be current consumption user is member, judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value; When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information; Described payment result message is sent to described trade company payment terminal;
Trade company's payment terminal, for sending the payment request message comprising spending amount to many trade companies settlement platform; Receive the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends; Obtain the vena metacarpea information of current consumption user; The message comprising the vena metacarpea information of current consumption user is sent to described many trade companies settlement platform; Receive the payment result message that described many trade companies settlement platform sends.
Preferably,
Described many trade companies settlement platform, time also for be current consumption user when authentication result not being member, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal; Receive the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and be stored in the member information database in high in the clouds by membership information and Stored Value remaining sum numerical value by the mode that cloud stores, described membership information comprises vena metacarpea information; Judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value; When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information; Described payment result message is sent to described trade company payment terminal;
Described trade company payment terminal, also for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that described many trade companies settlement platform sends; Obtain membership information and Stored Value remaining sum numerical value; The message comprising described membership information and Stored Value remaining sum numerical value is sent to described many trade companies settlement platform.
A kind of payment administrative system based on vena metacarpea certification of the present invention, comprising: many trade companies settlement platform and trade company's payment terminal;
Described many trade companies settlement platform comprises: the first acquiring unit, and for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information;
First receiving element, for receiving the payment request message comprising spending amount that trade company's payment terminal sends;
First transmitting element, for sending the request message comprising the vena metacarpea information obtaining current consumption user to described trade company payment terminal;
Second receiving element, for receiving the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends;
Vena metacarpea authentication ' unit, for carrying out vena metacarpea authentification of message;
First judging unit, when being member for being current consumption user when authentication result, judges whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
First generation unit, during for being less than or equal to described Stored Value remaining sum numerical value when described spending amount, produces the payment result message comprising and pay successful information;
Second transmitting element, for sending to described trade company payment terminal by described payment result message;
Described trade company payment terminal comprises: the first transmitting element, for sending the payment request message comprising spending amount to many trade companies settlement platform;
First receiving element, for receiving the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends;
First acquiring unit, for obtaining the vena metacarpea information of current consumption user;
Second transmitting element, for sending the message comprising the vena metacarpea information of current consumption user to described many trade companies settlement platform;
Second receiving element, for receiving the payment result message that described many trade companies settlement platform sends.
Preferably, described many trade companies settlement platform also comprises: the 3rd transmitting element, when not being member for being current consumption user when authentication result, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal;
3rd receiving element, for receiving the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and membership information and Stored Value remaining sum numerical value are stored in the member information database in high in the clouds by the mode that cloud stores, described membership information comprises vena metacarpea information;
3rd judging unit, for judging whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
Second generation unit, during for being less than or equal to described Stored Value remaining sum numerical value when described spending amount, produces the payment result message comprising and pay successful information;
4th transmitting element, for sending to described trade company payment terminal by described payment result message;
Described trade company payment terminal also comprises: the 3rd receiving element, for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that described many trade companies settlement platform sends;
Second acquisition unit, for obtaining membership information and Stored Value remaining sum numerical value;
3rd transmitting element, for sending the message comprising described membership information and Stored Value remaining sum numerical value to described many trade companies settlement platform.
Technical scheme of the present invention, tool has the following advantages:
1. by obtaining vena metacarpea information to set up member information database, due to the difference of individuality, everyone vena metacarpea information is not identical, therefore ensure that membership information and user one_to_one corresponding completely, when Stored Value remaining sum numerical value in customer consumption account, by the certification of vena metacarpea information, when only having authentication success and current consumption user to be member, just delivery operation can be completed, thus improve the security of member's consumption and payment, more improve the safe class of member's account, easily the safety issue of initiation is falsely used after traditional member's magnetic card is lost if also avoid.In addition, owing to adopting vena metacarpea information to carry out certification, instead of traditional member's magnetic card certification, avoid and to lose because of magnetic card or leave behind and the situation that cannot complete payment occurs, improve the convenience of payment and pay efficiency.By member information database is stored in high in the clouds, thus avoid easily damaging by home environment affects because leaving local data in or problem that payment system security that loss etc. causes is low, this mode providing payment management to serve for trade company based on internet, payment safety can be improved, also achieve between many trade companies and can share membership information, repeat to register membership information between different trade company without the need to user, drastically increase popularity and the convenience of member's payment.
2. by arranging the mobile terminal in the mode of the social activity such as note or micro-letter application, Stored Value remaining sum numerical value being sent to member, member can be made to grasp payout status in time, member can be allowed to know in time and feed back when there is abnormal payout status, further increasing payment safety.
3. when current consumption user is not also member, by sending the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal, utilize trade company's payment terminal to gather vena metacarpea information and the Stored Value remaining sum numerical value of member, then many trade companies settlement platform is sent to, and be stored in high in the clouds, thus improve the efficiency of member's establishment, the establishment for member provides another approach, adds applicability.
4. by before obtaining vena metacarpea information, carrying out vena metacarpea certification, first by comparing in cell-phone number and member information database, can work as member's quantity many especially time carry out elementary screening, improve the speed of member authentication, by the certification of the dual membership of cell-phone number and vena metacarpea, further increasing the reliability of member authentication and the security of payment.
Accompanying drawing explanation
In order to be illustrated more clearly in the specific embodiment of the invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the process flow diagram based on a concrete example of the payment management method of vena metacarpea certification in the embodiment of the present invention 1;
Fig. 2 is the process flow diagram based on a concrete example of the payment management method of vena metacarpea certification in the embodiment of the present invention 2;
Fig. 3 is the theory diagram based on a concrete example of the payment management device of vena metacarpea certification in the embodiment of the present invention 3;
Fig. 4 is the theory diagram based on a concrete example of the payment management device of vena metacarpea certification in the embodiment of the present invention 4;
Fig. 5 is the theory diagram based on the payment administrative system of vena metacarpea certification concrete example in the embodiment of the present invention 5.
Embodiment
Be clearly and completely described technical scheme of the present invention below in conjunction with accompanying drawing, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
In describing the invention, it should be noted that, term " first ", " second ", " the 3rd " only for describing object, and can not be interpreted as instruction or hint relative importance.
In addition, if below in the described different embodiment of the present invention involved technical characteristic do not form conflict each other and just can be combined with each other.
Embodiment 1
The present embodiment provides a kind of payment management method based on vena metacarpea certification, is applied to many trade companies settlement platform, as shown in Figure 1, comprises the steps:
It is also stored in the member information database in high in the clouds by the mode that cloud stores by S11, acquisition membership information and Stored Value remaining sum numerical value, and membership information comprises vena metacarpea information, name etc.
The payment request message comprising spending amount that S12, reception trade company payment terminal send.
S13, send the request message comprising the vena metacarpea information obtaining current consumption user to trade company payment terminal.
The message comprising the vena metacarpea information of current consumption user that S14, reception trade company payment terminal send.
S15, carry out vena metacarpea authentification of message.When authentication result be current consumption user is member, enter step S16; When authentication result be current consumption user is not member, enter step S21.
S16, judge whether spending amount is less than or equal to Stored Value remaining sum numerical value.When spending amount is less than or equal to Stored Value remaining sum numerical value, enter step S17; When spending amount is greater than Stored Value remaining sum numerical value, enter step S18.
S17, generation comprise the payment result message paying successful information.
S18, produce the payment result message comprising that Sorry, your ticket has not enough value and pay failure information.
After above-mentioned steps S17 or S18, enter step S19.
S19, payment result message is sent to trade company's payment terminal.
S21, send the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company payment terminal.
The message comprising membership information and Stored Value remaining sum numerical value that S22, reception trade company payment terminal send, and membership information and Stored Value remaining sum numerical value are stored in the member information database in high in the clouds by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.
S23, judge whether spending amount is less than or equal to Stored Value remaining sum numerical value.When spending amount is less than or equal to Stored Value remaining sum numerical value, enter step S24; When spending amount is greater than Stored Value remaining sum numerical value, enter step S25.
S24, generation comprise the payment result message paying successful information.
S25, produce the payment result message comprising that Sorry, your ticket has not enough value and pay failure information.
After above-mentioned steps S24 or S25, enter step S26.
S26, payment result message is sent to trade company's payment terminal.
The above-mentioned payment management method based on vena metacarpea certification, by obtaining vena metacarpea information to set up member information database, due to the difference of individuality, everyone vena metacarpea information is not identical, therefore ensure that membership information and user one_to_one corresponding completely, when Stored Value remaining sum numerical value in customer consumption account, by the certification of vena metacarpea information, when only having authentication success and current consumption user to be member, just delivery operation can be completed, thus improve the security of member's consumption and payment, more improve the safe class of member's account, easily the safety issue of initiation is falsely used after traditional member's magnetic card is lost if also avoid.In addition, owing to adopting vena metacarpea information to carry out certification, instead of traditional member's magnetic card certification, avoid and to lose because of magnetic card or leave behind and the situation that cannot complete payment occurs, improve the convenience of payment and pay efficiency.By member information database is stored in high in the clouds, thus avoid easily damaging by home environment affects because leaving local data in or problem that payment system security that loss etc. causes is low, this mode providing payment management to serve for trade company based on internet, payment safety can be improved, also achieve between many trade companies and can share membership information, repeat to register membership information between different trade company without the need to user, drastically increase popularity and the convenience of member's payment.
When current consumption user is not also member, by step S21-S25, the request message comprising and obtain membership information and Stored Value remaining sum numerical value is sent to trade company's payment terminal, utilize trade company's payment terminal to gather vena metacarpea information and the Stored Value remaining sum numerical value of member, then send to many trade companies settlement platform, and be stored in high in the clouds, thus improve the efficiency of member's establishment, establishment for member provides another approach, adds applicability.
Preferably, above-mentioned steps S11, when obtaining membership information, can also comprise cell-phone number in membership information, after step s 12, can also comprise before step S13:
S12-1, reception cell-phone number information.
S12-2, judge whether cell-phone number information is present in the member information database in high in the clouds.When cell-phone number information is present in member information database, enter step S13; When cell-phone number information is not present in member information database, enter step S21.
The above-mentioned payment management method based on vena metacarpea certification, by step S12-1 to S12-2, before obtaining vena metacarpea information, carrying out vena metacarpea certification, first by comparing in cell-phone number and member information database, can work as member's quantity many especially time carry out elementary screening, improve the speed of member authentication, by the certification of the dual membership of cell-phone number and vena metacarpea, further increasing the reliability of member authentication and the security of payment.
Preferably, the step that above-mentioned steps S15 carries out vena metacarpea authentification of message comprises:
S15-1, judge whether the vena metacarpea information of current consumption user exists in the member information database being stored in high in the clouds.When it is present, step S15-2 is entered; When not existing, enter step S15-3.
S15-2, acquisition current consumption user are the authentication results of member.
S15-3, acquisition current consumption user are not the authentication results of member.
It will be understood by those of skill in the art that the method for carrying out vena metacarpea certification is not limited to be realized by above-mentioned steps, the method that also can realize vena metacarpea certification by other realizes.
The above-mentioned payment management method based on vena metacarpea certification, by step S15-1 to S15-3, vena metacarpea information and the member information database being stored in high in the clouds are compared, due to the data security, reliable in high in the clouds, so the correctness of comparison result can be ensured well, further increase the security of payment.
Preferably, when spending amount is less than or equal to Stored Value remaining sum numerical value, before or after step S17, also comprise the steps:
S17-1, Stored Value remaining sum numerical value is deducted spending amount after the numerical value that obtains again assignment to Stored Value remaining sum numerical value.
S17-2, the Stored Value remaining sum numerical value after assignment is again sent to the mobile terminal of current consumption user by the mode of note or micro-letter.
The above-mentioned payment management method based on vena metacarpea certification, by step S17-1 to S17-2, the mobile terminal in the mode of the social activity such as note or micro-letter application, Stored Value remaining sum numerical value being sent to member is set, member can be made to grasp payout status in time, member can be allowed to know in time and feed back when there is abnormal payout status, further increasing payment safety.
Embodiment 2
The present embodiment provides a kind of payment management method based on vena metacarpea certification, is applied to trade company's payment terminal, as shown in Figure 2, comprises the steps:
S31, send the payment request message comprising spending amount etc. to many trade companies settlement platforms, preferably, also can send cell-phone number etc. to many trade companies settlement platform.
S32, receive the request message comprising the vena metacarpea information obtaining current consumption user that many trade companies settlement platforms sends.
The vena metacarpea information of S33, acquisition current consumption user.Such as, can be undertaken detecting rear acquisition by the vena metacarpea pick-up unit be connected with trade company payment terminal.
S34, send the message comprising the vena metacarpea information of current consumption user to many trade companies settlement platforms.
S35, receive the payment result message that many trade companies settlement platforms sends.
The above-mentioned payment management method based on vena metacarpea certification, by step S31 to S35, the request of vena metacarpea is obtained by responding many trade companies settlement platform, many trade companies settlement platform vena metacarpea information is sent to carry out unifying verification process, and behavior of settling accounts also is occur in many trade companies settlement platform, trade company's payment terminal just receives the payment result message that many trade companies settlement platform sends, the mode of this unified checking, unified clearing avoids trade company's payment terminal and directly carries out capital settlement process, improves standardization and the security of payment management.
Preferably, the above-mentioned payment management method based on vena metacarpea certification, also comprises the steps:
S36, receive that many trade companies settlement platforms sends comprise the request message obtaining membership information and Stored Value remaining sum numerical value.
S37, acquisition membership information and Stored Value remaining sum numerical value.
S38, send the message comprising membership information and Stored Value remaining sum numerical value to many trade companies settlement platforms.
The above-mentioned payment management method based on vena metacarpea certification, arranged in trade company's payment terminal by step S36 to S38 and obtain membership information and Stored Value remaining sum numerical value, can when current consumption user be also member, the operation such as to supplement with money of the collection of membership information and member's account is carried out, the convenience that improve member registration or supplement with money conveniently by trade company's payment terminal.
Embodiment 3
Originally execute example and a kind of payment management device based on vena metacarpea certification be provided, be applied to many trade companies settlement platform, corresponding to embodiment 1, as shown in Figure 3, comprise:
First acquiring unit 11, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.
First receiving element 12, for receiving the payment request message comprising spending amount that trade company's payment terminal sends.
First transmitting element 13, for sending the request message comprising the vena metacarpea information obtaining current consumption user to trade company's payment terminal.
Second receiving element 14, for receiving the message comprising the vena metacarpea information of current consumption user that trade company's payment terminal sends.
Vena metacarpea authentication ' unit 15, for carrying out vena metacarpea authentification of message.
First judging unit 16, when being member for being current consumption user when authentication result, judges whether spending amount is less than or equal to Stored Value remaining sum numerical value.
First generation unit 17, during for being less than or equal to Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising and pay successful information.
3rd generation unit 18, during for being greater than Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising that Sorry, your ticket has not enough value and pay failure information.
Second transmitting element 19, for sending to trade company's payment terminal by payment result message.
3rd transmitting element 21, when not being member for being current consumption user when authentication result, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal.
3rd receiving element 22, for receiving the message comprising membership information and Stored Value remaining sum numerical value that trade company's payment terminal sends, and membership information and Stored Value remaining sum numerical value are stored in the member information database in high in the clouds by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.
3rd judging unit 23, for judging whether spending amount is less than or equal to Stored Value remaining sum numerical value.
Second generation unit 24, during for being less than or equal to Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising and pay successful information.
4th generation unit 25, during for being greater than Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising that Sorry, your ticket has not enough value and pay failure information.
4th transmitting element 26, for sending to trade company's payment terminal by payment result message.
The above-mentioned payment management device based on vena metacarpea certification, by obtaining vena metacarpea information to set up member information database, due to the difference of individuality, everyone vena metacarpea information is not identical, therefore ensure that membership information and user one_to_one corresponding completely, when Stored Value remaining sum numerical value in customer consumption account, by the certification of vena metacarpea information, when only having authentication success and current consumption user to be member, just delivery operation can be completed, thus improve the security of member's consumption and payment, more improve the safe class of member's account, easily the safety issue of initiation is falsely used after traditional member's magnetic card is lost if also avoid.In addition, owing to adopting vena metacarpea information to carry out certification, instead of traditional member's magnetic card certification, avoid and to lose because of magnetic card or leave behind and the situation that cannot complete payment occurs, improve the convenience of payment and pay efficiency.By member information database is stored in high in the clouds, thus avoid easily damaging by home environment affects because leaving local data in or problem that payment system security that loss etc. causes is low, this mode providing payment management to serve for trade company based on internet, payment safety can be improved, also achieve between many trade companies and can share membership information, repeat to register membership information between different trade company without the need to user, drastically increase popularity and the convenience of member's payment.
When current consumption user is not also member, by sending the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal, utilize trade company's payment terminal to gather vena metacarpea information and the Stored Value remaining sum numerical value of member, then many trade companies settlement platform is sent to, and be stored in high in the clouds, thus improve the efficiency of member's establishment, the establishment for member provides another approach, adds applicability.
Preferably, above-mentioned first acquiring unit 11, when obtaining membership information, can also comprise cell-phone number in membership information, can also comprise after the first receiving element 12, before the first transmitting element 13:
4th receiving element, for receiving cell-phone number information.
3rd judging unit, for judging whether cell-phone number information is present in the member information database in high in the clouds.
Above-mentioned first transmitting element 13 replaces with for when cell-phone number information is present in member information database, sends the request message comprising the vena metacarpea information obtaining current consumption user to trade company's payment terminal.
Above-mentioned 3rd transmitting element 21 replace with for be not present in member information database when cell-phone number information or authentication result be current consumption user is not member time, send the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal.
The above-mentioned payment management device based on vena metacarpea certification, by before obtaining vena metacarpea information, carrying out vena metacarpea certification, first by comparing in cell-phone number and member information database, can work as member's quantity many especially time carry out elementary screening, improve the speed of member authentication, by the certification of the dual membership of cell-phone number and vena metacarpea, further increasing the reliability of member authentication and the security of payment.
Preferably, above-mentioned vena metacarpea authentication ' unit 15 comprises:
Second judging unit, for judging whether the vena metacarpea information of current consumption user exists in the member information database being stored in high in the clouds;
First authentication result generation unit, for when it is present, produces the authentication result that current consumption user is member;
Second authentication result generation unit, for when not existing, produces the authentication result that current consumption user is not member.
It will be understood by those of skill in the art that the method for carrying out vena metacarpea certification is not limited to be realized by said units, the method that also can realize vena metacarpea certification by other realizes.
The above-mentioned payment management device based on vena metacarpea certification, by vena metacarpea information and the member information database being stored in high in the clouds are compared, due to the data security, reliable in high in the clouds, so the correctness of comparison result can be ensured well, further increase the security of payment.
Preferably, after above-mentioned first judging unit 16, before or after the first generation unit 17, also comprise:
Computing unit, for the numerical value that obtains after Stored Value remaining sum numerical value is deducted spending amount again assignment to Stored Value remaining sum numerical value;
5th transmitting element, for sending to the mobile terminal of current consumption user by the mode of note or micro-letter by the Stored Value remaining sum numerical value after assignment again.
The above-mentioned payment management device based on vena metacarpea certification, by arranging the mobile terminal in the mode of the social activity such as note or micro-letter application, Stored Value remaining sum numerical value being sent to member, member can be made to grasp payout status in time, member can be allowed to know in time and feed back when there is abnormal payout status, further increasing payment safety.
Embodiment 4
Originally execute example and a kind of payment management device based on vena metacarpea certification be provided, be applied to trade company's payment terminal, corresponding to embodiment 2, as shown in Figure 4, comprise:
First transmitting element 31, for sending the payment request message comprising spending amount etc. to many trade companies settlement platform, preferably, also can send cell-phone number etc. to many trade companies settlement platform.
First receiving element 32, for receiving the request message comprising the vena metacarpea information obtaining current consumption user that many trade companies settlement platform sends.
First acquiring unit 33, for obtaining the vena metacarpea information of current consumption user.
Second transmitting element 34, for sending the message comprising the vena metacarpea information of current consumption user to many trade companies settlement platform.
Second receiving element 35, for receiving the payment result message that many trade companies settlement platform sends.
The above-mentioned payment management device based on vena metacarpea certification, the request of vena metacarpea is obtained by responding many trade companies settlement platform, many trade companies settlement platform vena metacarpea information is sent to carry out unifying verification process, and behavior of settling accounts also is occur in many trade companies settlement platform, trade company's payment terminal just receives the payment result message that many trade companies settlement platform sends, the mode of this unified checking, unified clearing avoids trade company's payment terminal and directly carries out capital settlement process, improves standardization and the security of payment management.
Preferably, any position place between said units 31-35, also comprises:
3rd receiving element, for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that many trade companies settlement platform sends.
Second acquisition unit, for obtaining membership information and Stored Value remaining sum numerical value.
3rd transmitting element, for sending the message comprising membership information and Stored Value remaining sum numerical value to many trade companies settlement platform.
The above-mentioned payment management device based on vena metacarpea certification, membership information and Stored Value remaining sum numerical value is obtained by arranging in trade company's payment terminal, can when current consumption user be also member, the operation such as to supplement with money of the collection of membership information and member's account is carried out, the convenience that improve member registration or supplement with money conveniently by trade company's payment terminal.
Embodiment 5
A kind of payment administrative system based on vena metacarpea certification that the present embodiment provides, as shown in Figure 5, comprising:
Many trade companies settlement platform 101, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.; Receive the payment request message comprising spending amount that trade company's payment terminal sends; The request message comprising the vena metacarpea information obtaining current consumption user is sent to trade company's payment terminal; Receive the message comprising the vena metacarpea information of current consumption user that trade company's payment terminal sends; Carry out vena metacarpea authentification of message; When authentication result be current consumption user is member, judge whether spending amount is less than or equal to Stored Value remaining sum numerical value; When spending amount is less than or equal to Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information; When spending amount is greater than Stored Value remaining sum numerical value, produce the payment result message comprising that Sorry, your ticket has not enough value and pay failure information; Payment result message is sent to trade company's payment terminal.
This many trade companies settlement platform 101 comprises:
First acquiring unit 11, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.
First receiving element 12, for receiving the payment request message comprising spending amount that trade company's payment terminal sends.
First transmitting element 13, for sending the request message comprising the vena metacarpea information obtaining current consumption user to trade company's payment terminal.
Second receiving element 14, for receiving the message comprising the vena metacarpea information of current consumption user that trade company's payment terminal sends.
Vena metacarpea authentication ' unit 15, for carrying out vena metacarpea authentification of message.
First judging unit 16, when being member for being current consumption user when authentication result, judges whether spending amount is less than or equal to Stored Value remaining sum numerical value.
First generation unit 17, during for being less than or equal to Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising and pay successful information.
3rd generation unit 18, during for being greater than Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising that Sorry, your ticket has not enough value and pay failure information.
Second transmitting element 19, for sending to trade company's payment terminal by payment result message.
Trade company's payment terminal 201, for sending the payment request message comprising spending amount, cell-phone number, name etc. to many trade companies settlement platform; Receive the request message comprising the vena metacarpea information obtaining current consumption user that many trade companies settlement platform sends; Obtain the vena metacarpea information of current consumption user; The message comprising the vena metacarpea information of current consumption user is sent to many trade companies settlement platform; Receive the payment result message that many trade companies settlement platform sends.
This trade company's payment terminal 201 comprises:
First transmitting element 31, for sending the payment request message comprising spending amount etc. to many trade companies settlement platform.
First receiving element 32, for receiving the request message comprising the vena metacarpea information obtaining current consumption user that many trade companies settlement platform sends.
First acquiring unit 33, for obtaining the vena metacarpea information of current consumption user.
Second transmitting element 34, for sending the message comprising the vena metacarpea information of current consumption user to many trade companies settlement platform.
Second receiving element 35, for receiving the payment result message that many trade companies settlement platform sends.
The above-mentioned payment administrative system based on vena metacarpea certification, by obtaining vena metacarpea information to set up member information database, due to the difference of individuality, everyone vena metacarpea information is not identical, therefore ensure that membership information and user one_to_one corresponding completely, when Stored Value remaining sum numerical value in customer consumption account, by the certification of vena metacarpea information, when only having authentication success and current consumption user to be member, just delivery operation can be completed, thus improve the security of member's consumption and payment, more improve the safe class of member's account, easily the safety issue of initiation is falsely used after traditional member's magnetic card is lost if also avoid.In addition, owing to adopting vena metacarpea information to carry out certification, instead of traditional member's magnetic card certification, avoid and to lose because of magnetic card or leave behind and the situation that cannot complete payment occurs, improve the convenience of payment and pay efficiency.By member information database is stored in high in the clouds, thus avoid easily damaging by home environment affects because leaving local data in or problem that payment system security that loss etc. causes is low, this mode providing payment management to serve for trade company based on internet, payment safety can be improved, also achieve between many trade companies and can share membership information, repeat to register membership information between different trade company without the need to user, drastically increase popularity and the convenience of member's payment.
Preferably, above-mentioned many trade companies settlement platform 101, time also for be current consumption user when authentication result not being member, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal; Receive the message comprising membership information and Stored Value remaining sum numerical value that trade company's payment terminal sends, and be stored in the member information database in high in the clouds by membership information and Stored Value remaining sum numerical value by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.; Judge whether spending amount is less than or equal to Stored Value remaining sum numerical value; When spending amount is less than or equal to Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information; When spending amount is greater than Stored Value remaining sum numerical value, produce the payment result message comprising that Sorry, your ticket has not enough value and pay failure information; Payment result message is sent to trade company's payment terminal.
This many trade companies settlement platform 101 also comprises:
3rd transmitting element 21, when not being member for being current consumption user when authentication result, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal.
3rd receiving element 22, for receiving the message comprising membership information and Stored Value remaining sum numerical value that trade company's payment terminal sends, and membership information and Stored Value remaining sum numerical value are stored in the member information database in high in the clouds by the mode that cloud stores, membership information comprises vena metacarpea information, name etc.
3rd judging unit 23, for judging whether spending amount is less than or equal to Stored Value remaining sum numerical value.
Second generation unit 24, during for being less than or equal to Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising and pay successful information.
4th generation unit 25, during for being greater than Stored Value remaining sum numerical value when spending amount, produces the payment result message comprising that Sorry, your ticket has not enough value and pay failure information.
4th transmitting element 26, for sending to trade company's payment terminal by payment result message.
Above-mentioned trade company payment terminal 201, also for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that many trade companies settlement platform sends; Obtain membership information and Stored Value remaining sum numerical value; The message comprising membership information and Stored Value remaining sum numerical value is sent to many trade companies settlement platform.
This trade company's payment terminal 201 also comprises:
3rd receiving element, for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that many trade companies settlement platform sends.
Second acquisition unit, for obtaining membership information and Stored Value remaining sum numerical value.
3rd transmitting element, for sending the message comprising membership information and Stored Value remaining sum numerical value to many trade companies settlement platform.
When current consumption user is not also member, by sending the request message comprising and obtain membership information and Stored Value remaining sum numerical value to trade company's payment terminal, utilize trade company's payment terminal to gather vena metacarpea information and the Stored Value remaining sum numerical value of member, then many trade companies settlement platform is sent to, and be stored in high in the clouds, thus improve the efficiency of member's establishment, the establishment for member provides another approach, adds applicability.
Obviously, above-described embodiment is only for clearly example being described, and the restriction not to embodiment.For those of ordinary skill in the field, can also make other changes in different forms on the basis of the above description.Here exhaustive without the need to also giving all embodiments.And thus the apparent change of extending out or variation be still among the protection domain of the invention.
Claims (10)
1., based on a payment management method for vena metacarpea certification, be applied to many trade companies settlement platform, it is characterized in that, comprise the steps:
Obtain membership information and Stored Value remaining sum numerical value and be stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information;
Receive the payment request message comprising spending amount that trade company's payment terminal sends;
The request message comprising the vena metacarpea information obtaining current consumption user is sent to described trade company payment terminal;
Receive the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends;
Carry out vena metacarpea authentification of message;
When authentication result be current consumption user is member, judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information;
Described payment result message is sent to described trade company payment terminal.
2. payment management method according to claim 1, is characterized in that, described in carry out vena metacarpea authentification of message step comprise:
Judge whether the vena metacarpea information of described current consumption user exists in the described member information database being stored in high in the clouds;
When it is present, the authentication result that current consumption user is member is obtained;
When not existing, obtain the authentication result that current consumption user is not member.
3. payment management method according to claim 1 and 2, is characterized in that, also comprise the steps:
When authentication result be current consumption user is not member, send the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal;
Receive the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and be stored in the member information database in high in the clouds by membership information and Stored Value remaining sum numerical value by the mode that cloud stores, described membership information comprises vena metacarpea information;
Judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information;
Described payment result message is sent to described trade company payment terminal.
4., based on a payment management method for vena metacarpea certification, be applied to trade company's payment terminal, it is characterized in that, comprise the steps:
The payment request message comprising spending amount is sent to many trade companies settlement platform;
Receive the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends;
Obtain the vena metacarpea information of current consumption user;
The message comprising the vena metacarpea information of current consumption user is sent to described many trade companies settlement platform;
Receive the payment result message that described many trade companies settlement platform sends.
5., based on a payment management device for vena metacarpea certification, be applied to many trade companies settlement platform, it is characterized in that, comprising:
First acquiring unit, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information;
First receiving element, for receiving the payment request message comprising spending amount that trade company's payment terminal sends;
First transmitting element, for sending the request message comprising the vena metacarpea information obtaining current consumption user to described trade company payment terminal;
Second receiving element, for receiving the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends;
Vena metacarpea authentication ' unit, for carrying out vena metacarpea authentification of message;
First judging unit, when being member for being current consumption user when authentication result, judges whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
First generation unit, during for being less than or equal to described Stored Value remaining sum numerical value when described spending amount, produces the payment result message comprising and pay successful information;
Second transmitting element, for sending to described trade company payment terminal by described payment result message.
6. payment management device according to claim 5, is characterized in that, described vena metacarpea authentication ' unit comprises:
Second judging unit, for judging whether the vena metacarpea information of described current consumption user exists in the described member information database being stored in high in the clouds;
First authentication result generation unit, for when it is present, produces the authentication result that current consumption user is member;
Second authentication result generation unit, for when not existing, produces the authentication result that current consumption user is not member.
7. the payment management device according to claim 5 or 6, is characterized in that, also comprise:
3rd transmitting element, when not being member for being current consumption user when authentication result, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal;
3rd receiving element, for receiving the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and membership information and Stored Value remaining sum numerical value are stored in the member information database in high in the clouds by the mode that cloud stores, described membership information comprises vena metacarpea information;
3rd judging unit, for judging whether described spending amount is less than or equal to described Stored Value remaining sum numerical value;
Second generation unit, during for being less than or equal to described Stored Value remaining sum numerical value when described spending amount, produces the payment result message comprising and pay successful information;
4th transmitting element, for sending to described trade company payment terminal by described payment result message.
8., based on a payment management device for vena metacarpea certification, be applied to trade company's payment terminal, it is characterized in that, comprising:
First transmitting element, for sending the payment request message comprising spending amount to many trade companies settlement platform;
First receiving element, for receiving the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends;
First acquiring unit, for obtaining the vena metacarpea information of current consumption user;
Second transmitting element, for sending the message comprising the vena metacarpea information of current consumption user to described many trade companies settlement platform;
Second receiving element, for receiving the payment result message that described many trade companies settlement platform sends.
9. based on a payment administrative system for vena metacarpea certification, it is characterized in that, comprising:
Many trade companies settlement platform, for obtaining membership information and Stored Value remaining sum numerical value and being stored in the member information database in high in the clouds by it by the mode that cloud stores, described membership information comprises vena metacarpea information; Receive the payment request message comprising spending amount that trade company's payment terminal sends; The request message comprising the vena metacarpea information obtaining current consumption user is sent to described trade company payment terminal; Receive the message comprising the vena metacarpea information of current consumption user that described trade company payment terminal sends; Carry out vena metacarpea authentification of message; When authentication result be current consumption user is member, judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value; When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information; Described payment result message is sent to described trade company payment terminal;
Trade company's payment terminal, for sending the payment request message comprising spending amount to many trade companies settlement platform; Receive the request message comprising the vena metacarpea information obtaining current consumption user that described many trade companies settlement platform sends; Obtain the vena metacarpea information of current consumption user; The message comprising the vena metacarpea information of current consumption user is sent to described many trade companies settlement platform; Receive the payment result message that described many trade companies settlement platform sends.
10. payment administrative system according to claim 9, is characterized in that,
Described many trade companies settlement platform, time also for be current consumption user when authentication result not being member, sends the request message comprising and obtain membership information and Stored Value remaining sum numerical value to described trade company payment terminal; Receive the message comprising membership information and Stored Value remaining sum numerical value that described trade company payment terminal sends, and be stored in the member information database in high in the clouds by membership information and Stored Value remaining sum numerical value by the mode that cloud stores, described membership information comprises vena metacarpea information; Judge whether described spending amount is less than or equal to described Stored Value remaining sum numerical value; When described spending amount is less than or equal to described Stored Value remaining sum numerical value, produce the payment result message comprising and pay successful information; Described payment result message is sent to described trade company payment terminal;
Described trade company payment terminal, also for receiving the request message comprising acquisition membership information and Stored Value remaining sum numerical value that described many trade companies settlement platform sends; Obtain membership information and Stored Value remaining sum numerical value; The message comprising described membership information and Stored Value remaining sum numerical value is sent to described many trade companies settlement platform.
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| CN201510611323.9A CN105160532A (en) | 2015-09-23 | 2015-09-23 | Palm vein authentication based payment management method, apparatus and system |
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| CN201510611323.9A CN105160532A (en) | 2015-09-23 | 2015-09-23 | Palm vein authentication based payment management method, apparatus and system |
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Application publication date: 20151216 |