The invention is
fingerprint-
encryption-based
electronic purse system payment method. The setting process of an
electronic purse comprises a), connecting a device and running a program; b), setting character codes; c), collecting
fingerprint information; d), encrypting the
fingerprint information; e), encrypting the character codes; f), generating private data files; g), completing the setting process. The
payment process of the
electronic purse comprises 1), device connecting including connecting an
USB (universal serial
bus) flash disk with a PC (
personal computer), running an electronic purse application in the
USB flash disk to enter a transfer process; 2) code inputting; 3) code checking; 4) acquisition of the private data files; 5)
payment initiating; 6) private key decryption; 7) transfer
authorization; 8) transfer
record storing; 9) payment completing. According to the fingerprint-
encryption-based electronic purse
system payment method, by setting the character codes and the fingerprint information, payment can be completed only when the fingerprint information input during the payment process and the setting process is from the same person, so that fund security can be guaranteed.