CN107924516A - 一种移动终端的支付认证方法、装置及移动终端 - Google Patents

一种移动终端的支付认证方法、装置及移动终端 Download PDF

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Publication number
CN107924516A
CN107924516A CN201580082760.4A CN201580082760A CN107924516A CN 107924516 A CN107924516 A CN 107924516A CN 201580082760 A CN201580082760 A CN 201580082760A CN 107924516 A CN107924516 A CN 107924516A
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biological information
mobile terminal
payment
payment authentication
performing environment
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CN107924516B (zh
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袁非凡
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Honor Device Co Ltd
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Huawei Technologies Co Ltd
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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • 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
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)

Abstract

本发明公开了一种移动终端的支付认证方法、装置及移动终端，该方法包括：移动终端获取用户输入的第一生物特征信息；所述移动终端对比所述第一生物特征信息和第二生物特征信息，所述第二生物特征信息为预先存储的用于进行用户身份认证的生物特征信息；若所述第一生物特征信息和所述第二生物特征信息匹配，所述移动终端对比所述第一生物特征信息和第三生物特征信息，所述第三生物特征信息为预先存储的用于支付认证的生物特征信息；在所述第一生物特征信息与所述第三生物特征信息匹配的情况下，所述移动终端确定完成支付认证。采用本发明，能提高支付认证的安全性。

Description

PCT国内申请，说明书已公开。

Claims (21)

  1. PCT国内申请，权利要求书已公开。
CN201580082760.4A 2015-09-01 2015-09-01 一种移动终端的支付认证方法、装置及移动终端 Active CN107924516B (zh)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/088805 WO2017035799A1 (zh) 2015-09-01 2015-09-01 一种移动终端的支付认证方法、装置及移动终端

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CN107924516A true CN107924516A (zh) 2018-04-17
CN107924516B CN107924516B (zh) 2021-02-02

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US (1) US20180260816A1 (zh)
EP (1) EP3336790A4 (zh)
JP (1) JP6553810B2 (zh)
KR (1) KR102071438B1 (zh)
CN (1) CN107924516B (zh)
HK (1) HK1246930A1 (zh)
WO (1) WO2017035799A1 (zh)

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CN108038694B (zh) * 2017-12-11 2019-03-29 飞天诚信科技股份有限公司 一种具有指纹验证功能的金融卡及其工作方法
WO2020146984A1 (zh) * 2019-01-14 2020-07-23 深圳市汇顶科技股份有限公司 基于多安全环境的指纹识别方法、指纹识别***和电子设备
CN110235140A (zh) * 2019-04-29 2019-09-13 深圳市汇顶科技股份有限公司 生物特征识别方法以及电子设备
JP7504575B2 (ja) 2019-10-21 2024-06-24 株式会社東海理化電機製作所 制御装置、コンピュータプログラム、および認証システム
KR102485212B1 (ko) * 2020-10-13 2023-01-04 주식회사 티머니 사용자 단말기와 생체정보를 이용한 오프라인 교통요금 지불방법
CN114722365B (zh) * 2021-01-06 2024-06-14 腾讯科技（深圳）有限公司 一种身份信息识别的方法、相关装置、设备及存储介质

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JP6553810B2 (ja) 2019-07-31
EP3336790A1 (en) 2018-06-20
JP2018530054A (ja) 2018-10-11
EP3336790A4 (en) 2018-06-20
US20180260816A1 (en) 2018-09-13
KR20180044394A (ko) 2018-05-02
KR102071438B1 (ko) 2020-01-30
WO2017035799A1 (zh) 2017-03-09
CN107924516B (zh) 2021-02-02
HK1246930A1 (zh) 2018-09-14

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