WO2017215402A1 - Method and system for two-way authentication of mobile payment - Google Patents
Method and system for two-way authentication of mobile payment Download PDFInfo
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- WO2017215402A1 WO2017215402A1 PCT/CN2017/085011 CN2017085011W WO2017215402A1 WO 2017215402 A1 WO2017215402 A1 WO 2017215402A1 CN 2017085011 W CN2017085011 W CN 2017085011W WO 2017215402 A1 WO2017215402 A1 WO 2017215402A1
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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
- G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/30—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]
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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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- 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
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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
Definitions
- the present invention relates to the field of mobile payment technologies, and more particularly to a two-way verification mobile payment method and system.
- the verification object of mobile payment in security verification is generally only the payer, but the verification of the opposite end of the transaction (ie, the payee) is almost blank.
- some responses may be fraudulent links (such as criminals who are bound to other mobile cards after they are connected to the mobile phone), making the payers vulnerable to fraud. Therefore, the existing security verification is not perfect, Users have brought security problems.
- the present invention provides a technical solution as follows:
- a two-way verification mobile payment method for performing electronic payment between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a receiver comprising the following steps: a), a second mobile payment terminal Receiving first information from the first mobile payment terminal, the first information including the intention of the publisher and the biometric of the publisher; b) the second mobile payment terminal verifying the biometric of the publisher; c), the biometric of the publisher passes After verification, the second mobile payment terminal acquires and verifies the biometric of the recipient; d), the recipient's creature After the feature verification is passed, the second mobile payment terminal generates the second information based on the intention of the receiver; e) the first mobile payment terminal receives the second information from the second mobile payment terminal; f), the first mobile payment terminal is based on the second The information completes the payment interaction with the second mobile payment terminal.
- it further comprises performing the following step s) before the step a): the publisher uses the first mobile payment terminal to create a new payment buddy list, the payment buddy list includes at least one payment buddy; the first mobile payment terminal and the payment buddy list each The mobile payment terminal held by a payment friend separately performs data interaction to realize: storing the biometric feature of the publisher on the mobile payment terminal held by each payment friend.
- step t) before step a), after step s): the publisher selects at least one payment friend from the list of payment buddies as the recipient.
- the present invention also provides another technical solution as follows:
- a two-way verification mobile payment method for performing electronic payment between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a receiver comprising the following steps: a), the first mobile payment terminal The third party platform sends the first information, the first information includes the publisher's intention and the publisher's biometrics; b) the third party platform verifies the publisher's biometrics; c) the publisher's biometrics are verified, and the third party The platform forwards the third information to the second mobile payment terminal; wherein the third information includes at least the publisher's intention; d) the second mobile payment terminal is based on the publisher's intention, the recipient's intention, and the recipient's biometric generation The second information; e), the second mobile payment terminal sends the second information to the third-party platform; f), the third-party platform verifies the biometric of the recipient; g), after the biometric of the recipient is verified, the third-party platform The fourth information is forwarded to the first mobile payment a terminal; wherein the fourth information includes
- the publisher uses the first mobile payment terminal to create a new payment buddy list, the payment buddy list includes at least one payment buddy; the first mobile payment terminal and the payment buddy list each The mobile payment terminals held by a payment friend respectively perform data interaction via a third-party platform to: store the biometrics of the publisher on the third-party platform; and store the biometrics of each payment friend on the third-party platform respectively.
- step t) before step a), after step s): the publisher selects at least one payment friend from the list of payment buddies as the recipient.
- the present invention also provides a two-way verification mobile payment system for performing payment interaction between at least two mobile payment terminals, wherein the mobile payment terminal includes a payment friend management unit and a biometrics capture unit, and the payment friend management unit is used for Managing a payment buddy list of the mobile payment terminal holder, the biometric capture unit is configured to capture biometric characteristics of the mobile payment terminal holder, the system comprising: a first mobile payment terminal, configured to send the first information and receive the fourth information Wherein the first information includes an intention of the first mobile payment terminal holder and the biometric, the fourth information includes at least an intention of the second mobile payment terminal holder; and the second mobile payment terminal is configured to send the second information and Receiving third information; wherein the second information includes an intention of the second mobile payment terminal holder and a biometric, the third information includes at least an intention of the first mobile payment terminal holder; and a third party platform, respectively And the second mobile payment terminal performs data interaction, including the biometric storage unit and the biological Sign verification unit, wherein the third-party platform for receiving the
- the two-way verification mobile payment method and system provided by the embodiments of the present invention provide a more secure electronic payment method through two-way verification, ensuring security and credibility on both sides of the payment, and is simple to implement and has good promotion value, and is very suitable.
- Various payment trading scenarios in real life are also beneficial to improve the fluency of the payment interaction process, thereby bringing a better user experience.
- FIG. 1 is a flow chart showing a two-way verification mobile payment method according to a first embodiment of the present invention.
- FIG. 2 is a flow chart showing a two-way verification mobile payment method according to a second embodiment of the present invention.
- FIG. 3 shows a schematic diagram of a two-way verification mobile payment system in accordance with the present invention.
- the two-way verification mobile payment method is configured to perform electronic payment interaction between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a receiver.
- first and second mobile payment terminals are not meant to be merely one mobile payment terminal, nor do they indicate a one-to-one communication interaction between the two.
- the first and second mobile payment terminals may each have multiple, and may adopt one-to-one, one-to-many, many-to-one, many-to-many various communication interaction modes.
- a two-way verification mobile payment method includes the following steps:
- Step S10 The second mobile payment terminal receives the first information from the first mobile payment terminal, where the first information includes the intention of the publisher and the biometric of the publisher.
- the first mobile payment terminal may desire to pay a certain amount to the second mobile payment terminal (eg, purchase an item to the micro-business, pay a meal to a friend, etc.) or ask it to pay a certain amount (eg, the school collects money from the student's parent)
- the first mobile terminal combines the publisher's intention and the biometric of the publisher into the first information, and transmits it to the second mobile payment terminal held by the receiver.
- the first and second mobile terminals can communicate via a mobile communication network or a wireless communication network (eg, WIFI mode, Bluetooth mode).
- the publisher's intentions include but are not limited to: requesting payment instructions, requesting payment instructions.
- the request for payment instruction indicates that the publisher requests the recipient to pay the corresponding amount, and the request for the payment instruction indicates that the publisher requests to pay the corresponding amount to the recipient.
- the publisher's intent can be formed by the publisher entering a specific payment amount (whether it wants to pay or want the other party to pay) and selecting a specific recipient, or the publisher can forward the transaction information with the merchant to the recipient. Formed; the publisher's intent can be embodied by a message, a link, or an image (such as a two-dimensional code).
- the publisher's biometrics may include the publisher's facial features, fingerprint features, and handwritten signatures.
- Step S11 The second mobile payment terminal verifies the biometric of the publisher.
- the second mobile payment terminal After receiving the first information, the second mobile payment terminal The publisher's biometrics are parsed or extracted and verified.
- the second mobile payment terminal stores the biometric of the publisher in advance, and can further verify the biometric characteristics of the publisher included in the first information.
- the second mobile payment terminal may compare the publisher biometrics received in the current interaction with the publisher biometrics received in the previous interaction to perform verification.
- Step S12 After the biometric of the publisher passes the verification, the second mobile payment terminal acquires and verifies the biometric of the recipient.
- the second mobile payment terminal verifies and verifies the biometrics of its holder (ie, the recipient) after passing the publisher biometric.
- the first and second mobile terminals each include a biometrics acquiring device, such as a touch screen (for acquiring fingerprint features, a handwritten signature), and a camera device (for acquiring facial features).
- a biometrics acquiring device such as a touch screen (for acquiring fingerprint features, a handwritten signature), and a camera device (for acquiring facial features).
- the second mobile payment device requires the recipient to input its own biometrics and verify the biometric to determine whether the current holder is the owner of the second mobile terminal, determining the current After the holder is the owner of the second mobile terminal, the payment interaction process can be continued.
- the above verification of the biometric characteristics of the recipient can effectively prevent the unincorporated entity from binding to the mobile phone and binding the other bank card to return the consent to the publisher.
- Step S13 After the biometric verification of the recipient is passed, the second mobile payment terminal generates the second information based on the intention of the recipient.
- the recipient intends to include but is not limited to: agree to pay the response and agree to receive The response, wherein the consent payment response indicates that the recipient agrees to pay the publisher a corresponding amount, and agreeing to receive the response indicates that the recipient agrees to receive the corresponding amount from the publisher.
- the recipient inputs its intention into the second mobile payment terminal held by the second mobile payment terminal, and the second mobile payment terminal generates the second information, and then sends back to the first mobile payment terminal.
- Step S14 The first mobile payment terminal receives the second information from the second mobile payment terminal.
- the first information and the second information may have a configurable life cycle.
- the first mobile payment terminal fails to receive the second information.
- a reminder payment message will be generated after the payment period expires, and the recipient will always remind the recipient if it has not paid until the first information expires.
- the life cycle of the first information is any of the following: (1) the recipient completes the payment;
- the first information may be regenerated and retransmitted. If the recipient is multiple, only the unpaid recipient is issued when resending.
- Step S15 The first mobile payment terminal completes the payment interaction with the second mobile payment terminal based on the second information.
- the first mobile payment terminal receives the second information, which reflects the recipient's intent, which may indicate whether the recipient agrees to pay the publisher, how much to pay, or whether the recipient agrees to the publisher Receive the amount and how much to receive.
- the first mobile payment terminal may complete with the second mobile payment terminal The entire payment interaction process.
- the transfer of the specific account amount is realized by the mobile payment server of the management account.
- the above two-way verification mobile payment method can ensure security and credibility on both sides of the payment, and is simple to implement.
- step S10 additional steps are performed before step S10; and by these additional steps, the second mobile payment terminal held by the recipient will be able to know and store the payer's biometrics in advance, thereby In the actual payment interaction process, the payer biometrics included in the first information are verified; the additional steps are as follows:
- the publisher uses the first mobile payment terminal to create a new payment buddy list.
- the payment buddy list includes at least one payment buddy.
- the first mobile payment terminal performs data interaction with the mobile payment terminal held by each payment friend in the payment buddy list, and stores the biometric of the publisher on the mobile payment terminal held by each payment buddy.
- the publisher can select any one or more payment buddies as the recipient from the payment buddy list, and then perform the method of the first embodiment.
- the second embodiment of the present invention provides another two-way verification mobile payment method, which is different from the first embodiment in that it uses a third-party platform as a special verification device for verifying the biometric characteristics of both the publisher and the receiver. . As shown in FIG. 2, it includes the following steps:
- Step S20 The first mobile payment terminal sends the first information to the third-party platform, where the first information includes the intention of the publisher and the biometric of the publisher.
- the publisher's intent includes requesting a payment instruction, requesting a payment instruction.
- the request for payment instruction indicates that the publisher requests the specific recipient to pay the corresponding amount
- the request for the payment instruction indicates that the publisher requests to pay the corresponding amount to the specific recipient.
- the publisher maintains a list of payment buddies at the first mobile payment terminal held by the publisher, and the publisher can select any one or more payment buddies from the list of payment buddies as the recipient.
- An implementation of a payment buddy list is described below.
- the biometric of the publisher is, for example, the facial features of the publisher. But it can also include fingerprint features as well as handwritten signatures.
- the third party platform can communicate with the first and second mobile payment terminals respectively via the mobile communication network and the wireless communication network.
- the third-party platform is set up based on the cloud computing mode, or can be implemented in a distributed deployment manner, which can improve the verification efficiency.
- Step S21 The third party platform verifies the biometric of the publisher.
- the third-party platform may separately store the biometrics of the publisher and the receiver in advance.
- step S20 the following additional steps may be performed before step S20:
- the publisher uses the first mobile payment terminal to create a new payment buddy list, which includes at least one payment buddy.
- the first mobile payment terminal and the mobile payment terminal held by each payment friend in the payment buddy list respectively perform data interaction via the third-party platform, so as to store the biometric features of the publisher on the third-party platform, and respectively Paying a friend's biometric store On a third-party platform.
- the third party platform verifies the biometric of the publisher and notifies the second mobile payment terminal of the verification result.
- Step S22 After the biometric of the publisher passes the verification, the third party platform forwards the third information to the second mobile payment terminal.
- the third party platform After the publisher biometric is verified by the third party platform, the third party platform forms the third information. Specifically, the third information includes at least the intent of the publisher, and may carry the verification result obtained in the previous step S21. As a possible implementation, the third information is obtained by removing the publisher biometric from the first information and increasing the verification result of the publisher biometric.
- Step S23 The second mobile payment terminal generates the second information based on the intention of the publisher, the intention of the recipient, and the biometric of the recipient.
- the second mobile payment terminal receives a user input, the input reflects the intention of the recipient, and the intention of the recipient includes agreeing to the payment response and agreeing to receive the response, wherein the consent payment response indicates that the recipient agrees to
- the publisher pays the corresponding amount (corresponding to the publisher intent included in the third information), agreeing to receive the response indicating that the recipient agrees to receive the corresponding amount from the publisher (corresponding to the publisher intent included in the third information).
- the second mobile payment terminal acquires the biometrics of its holder (ie, the recipient) and combines the recipient biometric with the publisher's intent and the recipient's intent to form the second information.
- the second information carries the recipient biometric in addition to indicating how much the recipient agrees to pay or how much to agree to receive.
- Step S24 The second mobile payment terminal sends the second information to the third-party platform.
- Step S25 The third party platform verifies the biometric of the recipient.
- the third-party platform completely implements the two-way verification process by verifying the biometric characteristics of the recipient, and can effectively prevent the unincorporated entity from binding to the mobile phone and binding the other bank card to return the consent to the publisher. Greatly improve the security of electronic (mobile) payments.
- the verification of the biometrics of the publisher and the verification of the biometrics of the recipient may be implemented by a dedicated module (unit) on a third-party platform, which adopts a uniform and efficient feature extraction algorithm and a pattern recognition algorithm. This allows biometric verification to always follow a uniform standard, which increases the efficiency of verification and ensures that the verification results are accurate and reliable.
- Step S26 After the biometric of the recipient passes the verification, the third party platform forwards the fourth information to the first mobile payment terminal.
- the third-party platform generates fourth information, where the fourth information includes at least the intention of the recipient, and may carry the verification result of the biometric of the recipient.
- the fourth information is obtained by removing the recipient biometric from the second information and increasing the verification result of the biometric of the recipient.
- Step S27 The first mobile payment terminal completes the payment interaction with the second mobile payment terminal based on the fourth information.
- the first mobile payment terminal and the second mobile payment terminal complete the entire payment interaction process.
- the transfer of a specific amount is accomplished via a mobile payment server, which is well known to those skilled in the art.
- the first and second mobile payment ends are The end of the process does not need to perform biometric verification work, but only needs to obtain the verification result from the third-party platform, and the entire payment interaction process can be performed more smoothly.
- the second embodiment introduces a third-party platform for performing verification work
- the second embodiment can significantly improve the verification efficiency and improve the fluency of the payment interaction process, thereby bringing better users.
- the second embodiment can significantly improve the verification efficiency and improve the fluency of the payment interaction process, thereby bringing better users.
- a third embodiment of the present invention provides a two-way authentication mobile payment system including at least one first mobile payment terminal 31, at least one second mobile payment terminal 32, and a third party platform 30.
- the mobile payment terminal (whether first or second) includes a payment friend management unit for managing a payment buddy list of the mobile payment terminal holder, and a biometrics capture unit for capturing the mobile Pay the biometrics of the terminal holder.
- the first mobile payment terminal 31 transmits the first information and receives the fourth information; wherein the first information includes the intention of the first mobile payment terminal holder and the biometric feature, and the fourth information includes at least the second mobile payment terminal. The intention of the holder.
- the second mobile payment terminal 32 transmits the second information and receives the third information; wherein the second information includes the intention of the second mobile payment terminal holder and the biometric feature, and the third information includes at least the first mobile payment terminal holder intention.
- the third-party platform 30 includes a biometric storage unit 301 for storing biometrics of each mobile payment terminal, and a biometric verification unit 302 for verifying biometrics of each mobile payment terminal.
- the third party platform 30 and the first and second mobile payment terminals 31, 32, respectively can receive the first information and send the third information, and the third-party platform can simultaneously receive the second information and send the fourth information.
- the third information may be obtained by removing the publisher biometric from the first information, increasing the verification result of the publisher biometric
- the fourth information may be by removing the recipient biometric from the second information, Obtained by increasing the verification result of the recipient's biometrics.
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Abstract
Description
Claims (11)
- 一种双向验证移动支付方法,用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付,所述方法包括如下步骤:A two-way verification mobile payment method for performing electronic payment between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a recipient, the method comprising the following steps:a)、所述第二移动支付终端从所述第一移动支付终端接收第一信息,所述第一信息包括所述发布者的意图以及所述发布者的生物特征;a) the second mobile payment terminal receives first information from the first mobile payment terminal, the first information including an intention of the publisher and a biometric of the publisher;b)、所述第二移动支付终端验证所述发布者的生物特征;b) the second mobile payment terminal verifies the biometric of the publisher;c)、所述发布者的生物特征通过验证后,所述第二移动支付终端获取并验证所述接收者的生物特征;c) after the biometric of the publisher passes the verification, the second mobile payment terminal acquires and verifies the biometric of the recipient;d)、所述接收者的生物特征验证通过后,所述第二移动支付终端基于所述接收者的意图生成第二信息;d) after the biometric verification of the recipient is passed, the second mobile payment terminal generates second information based on the intention of the recipient;e)、所述第一移动支付终端从所述第二移动支付终端接收所述第二信息;e) the first mobile payment terminal receives the second information from the second mobile payment terminal;f)、所述第一移动支付终端基于所述第二信息完成与所述第二移动支付终端之间的支付交互。f) The first mobile payment terminal completes a payment interaction with the second mobile payment terminal based on the second information.
- 根据权利要求1所述的方法,其特征在于,其还包括在所述步骤a)之前执行如下步骤s):The method of claim 1 further comprising performing the following step s) prior to said step a):所述发布者利用所述第一移动支付终端新建支付好友列表,所述支付好友列表包括至少一个支付好友;The publisher uses the first mobile payment terminal to create a new payment buddy list, and the payment buddy list includes at least one payment buddy;所述第一移动支付终端与所述支付好友列表中每一支付好友所 持的移动支付终端分别进行数据交互以实现:The first mobile payment terminal and each payment friend in the payment buddy list The mobile payment terminals hold data interactions to achieve:将所述发布者的生物特征存储于所述每一支付好友所持的移动支付终端上。The biometric of the publisher is stored on the mobile payment terminal held by each payment friend.
- 根据权利要求2所述的方法,其特征在于,其还包括在所述步骤a)之前、步骤s)之后执行如下步骤t):The method according to claim 2, further comprising performing the following step t) before the step a) and after the step s):所述发布者从所述支付好友列表中选择至少一个所述支付好友作为所述接收者。The publisher selects at least one of the payment buddies from the list of payment buddies as the recipient.
- 根据权利要求1至3中任一项所述的方法,其特征在于,所述发布者的意图至少包括要求支付指令或请求支付指令,所述接收者的意图至少包括同意支付应答或同意接收应答,其中,The method according to any one of claims 1 to 3, wherein the publisher's intention comprises at least a request for payment instruction or a request for payment instruction, the intention of the recipient comprising at least an agreement to agree to a payment or an agreement to receive a response ,among them,所述要求支付指令表示所述发布者要求所述接收者支付相应金额,所述请求支付指令表示所述发布者请求向所述接收者支付相应金额,所述同意支付应答表示所述接收者同意向所述发布者支付相应金额,所述同意接收应答表示所述接收者同意从所述发布者接收相应金额。The request for payment instruction indicates that the publisher requests the recipient to pay a corresponding amount, the request for payment instruction indicating that the publisher requests to pay a corresponding amount to the recipient, and the consent payment response indicates that the recipient agrees A corresponding amount is paid to the publisher, the consent receiving response indicating that the recipient agrees to receive a corresponding amount from the publisher.
- 根据权利要求4所述的所述的方法,其特征在于,所述生物特征包括如下项中的至少一个:The method of claim 4 wherein the biometric feature comprises at least one of the following:面部特征;Facial features指纹特征;以及Fingerprint feature;手写签名。Handwritten signature.
- 一种双向验证移动支付方法,用于在发布者所持的第一移动支付终端与接收者所持的第二移动支付终端之间进行电子支付,所述 方法包括如下步骤:A two-way verification mobile payment method for performing electronic payment between a first mobile payment terminal held by a publisher and a second mobile payment terminal held by a recipient, The method includes the following steps:a)、所述第一移动支付终端向第三方平台发送第一信息,所述第一信息包括所述发布者的意图以及所述发布者的生物特征;a) the first mobile payment terminal sends first information to a third party platform, the first information including an intention of the publisher and a biometric of the publisher;b)、所述第三方平台验证所述发布者的生物特征;b) the third party platform verifies the biometric of the publisher;c)、所述发布者的生物特征通过验证后,所述第三方平台将第三信息转发至所述第二移动支付终端;其中,所述第三信息至少包括所述发布者的意图;c) after the biometric of the publisher passes the verification, the third party platform forwards the third information to the second mobile payment terminal; wherein the third information includes at least the intention of the publisher;d)、所述第二移动支付终端基于所述发布者的意图、所述接收者的意图以及所述接收者的生物特征生成第二信息;d) the second mobile payment terminal generates second information based on the intention of the publisher, the intention of the recipient, and the biometric of the recipient;e)、所述第二移动支付终端向所述第三方平台发送所述第二信息;e) the second mobile payment terminal sends the second information to the third-party platform;f)、所述第三方平台验证所述接收者的生物特征;f) the third party platform verifies the biometric characteristics of the recipient;g)、所述接收者的生物特征通过验证后,所述第三方平台将第四信息转发至所述第一移动支付终端;其中,所述第四信息至少包括所述接收者的意图;g), after the biometric of the recipient is verified, the third party platform forwards the fourth information to the first mobile payment terminal; wherein the fourth information includes at least the intention of the recipient;h)、所述第一移动支付终端基于所述第四信息完成与所述第二移动支付终端之间的支付交互。h) The first mobile payment terminal completes a payment interaction with the second mobile payment terminal based on the fourth information.
- 如权利要求6所述的方法,其特征在于,其还包括在所述步骤a)之前执行如下步骤s):The method of claim 6 further comprising performing the following step s) prior to said step a):所述发布者利用所述第一移动支付终端新建支付好友列表,所述支付好友列表包括至少一个支付好友;The publisher uses the first mobile payment terminal to create a new payment buddy list, and the payment buddy list includes at least one payment buddy;所述第一移动支付终端与所述支付好友列表中每一支付好友所 持的移动支付终端分别经由所述第三方平台进行数据交互以实现:The first mobile payment terminal and each payment friend in the payment buddy list The mobile payment terminals hold data interaction via the third-party platform respectively to implement:将所述发布者的生物特征存储于所述第三方平台上;以及Storing the publisher's biometrics on the third party platform;分别将所述每一支付好友的生物特征存储于所述第三方平台上。The biometrics of each of the payment friends are stored on the third party platform, respectively.
- 根据权利要求7所述的方法,其特征在于,其还包括在所述步骤a)之前、步骤s)之后执行如下步骤t):The method according to claim 7, further comprising performing the following step t) before said step a) and after step s):所述发布者从所述支付好友列表中选择至少一个所述支付好友作为所述接收者。The publisher selects at least one of the payment buddies from the list of payment buddies as the recipient.
- 根据权利要求6至8中任一项所述的方法,其特征在于,所述发布者的意图至少包括要求支付指令或请求支付指令,所述接收者的意图至少包括同意支付应答或同意接收应答,其中,The method according to any one of claims 6 to 8, wherein the publisher's intention comprises at least a request for payment instruction or a request for payment instruction, the intention of the recipient comprising at least a consent payment response or an agreement to receive a response ,among them,所述要求支付指令表示所述发布者要求所述接收者支付相应金额,所述请求支付指令表示所述发布者请求向所述接收者支付相应金额,所述同意支付应答表示所述接收者同意向所述发布者支付相应金额,所述同意接收应答表示所述接收者同意从所述发布者接收相应金额。The request for payment instruction indicates that the publisher requests the recipient to pay a corresponding amount, the request for payment instruction indicating that the publisher requests to pay a corresponding amount to the recipient, and the consent payment response indicates that the recipient agrees A corresponding amount is paid to the publisher, the consent receiving response indicating that the recipient agrees to receive a corresponding amount from the publisher.
- 根据权利要求9所述的所述的方法,其特征在于,所述生物特征包括如下项中的至少一个:The method of claim 9 wherein the biometrics comprise at least one of:面部特征;Facial features指纹特征;以及Fingerprint feature;手写签名。Handwritten signature.
- 一种双向验证移动支付***,用于在至少两个移动支付终端 之间进行支付交互,其中,所述移动支付终端包括支付好友管理单元以及生物特征捕获单元,所述支付好友管理单元用于管理所述移动支付终端持有者的支付好友列表,所述生物特征捕获单元用于捕获所述移动支付终端持有者的生物特征,所述***包括:A two-way verification mobile payment system for use in at least two mobile payment terminals Performing a payment interaction between the mobile payment terminals including a payment friend management unit and a biometrics capture unit for managing a payment buddy list of the mobile payment terminal holder, the biometric feature A capture unit is configured to capture biometrics of the mobile payment terminal holder, the system comprising:第一移动支付终端,用于发送第一信息并接收第四信息;其中,所述第一信息包括所述第一移动支付终端持有者的意图以及生物特征,所述第四信息至少包括所述第二移动支付终端持有者的意图;a first mobile payment terminal, configured to send the first information and receive the fourth information; wherein the first information includes an intention of the first mobile payment terminal holder and a biometric, and the fourth information includes at least Declaring the intention of the holder of the second mobile payment terminal;第二移动支付终端,用于发送第二信息并接收第三信息;其中,所述第二信息包括所述第二移动支付终端持有者的意图以及生物特征,所述第三信息至少包括所述第一移动支付终端持有者的意图;以及a second mobile payment terminal, configured to send the second information and receive the third information; wherein the second information includes an intention of the second mobile payment terminal holder and a biometric, and the third information includes at least Said the intention of the holder of the first mobile payment terminal;第三方平台,分别与所述第一、第二移动支付终端进行数据交互,包括生物特征存储单元以及生物特征验证单元,其中,所述第三方平台用于接收所述第一信息以及发送所述第三信息,所述第三方平台同时用于接收所述第二信息以及发送所述第四信息;其中,所述生物特征存储单元用于储存各所述移动支付终端的生物特征,所述生物特征验证单元用于验证各所述移动支付终端的生物特征。 a third-party platform that performs data interaction with the first and second mobile payment terminals, respectively, including a biometric storage unit and a biometric verification unit, wherein the third-party platform is configured to receive the first information and send the a third information, the third-party platform is configured to receive the second information and send the fourth information, where the biometric storage unit is configured to store biometrics of each mobile payment terminal, where the biometric The feature verification unit is configured to verify the biometrics of each of the mobile payment terminals.
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