Payment system and payment method thereof

Abstract

A payment system includes a user terminal, an information delivery system, a fingerprint input system, a financial system and a fingerprint database, wherein, the user terminals and the information delivery system are respectively communicated with the financial system through wireless or wired mode; the fingerprint input system and the fingerprint database are communicated with each other through wireless or wired mode; the user terminal includes a financial services terminal for recording the individual financial information of the user and a mobile communication terminal for recording individual communication information of the user which are jointly arranged in the mobile communication apparatus, and the individual communication information binds with the corresponding individual financial information and / or finger print information. When the financial service terminal is successfully communicated with the financial system and complete the business payment, the financial system feedbacks the business complete information to the mobile communication terminal. The present invention also provides a payment method. The payment system and method not only has use convenience, but also has a high degree of business security, thereby essentially putting an end to the misappropriation of consumption card for business.

Description

technical field [0001] The present invention relates to a payment system and its payment method, in particular to a payment system and its payment method which are not only convenient to use but also have high transaction security. Background technique [0002] At present, although the use of bank cards has brought a lot of convenience and quickness to consumers' life and work, but with the popularization of bank cards, high-tech crimes against bank cards are also increasing year by year. The personal identity information involved in bank cards is limited. Criminals often take advantage of this defect to steal or crack consumers' card numbers and passwords by various means, so as to achieve the purpose of embezzling consumption and maliciously overdrafting cash, bringing harm to the victimized consumers. There came a considerable loss. [0003] Therefore, it is necessary to provide a payment system and a payment method thereof which are convenient to use and have high trans...

AI Technical Summary

Problems solved by technology

[0002] At present, although the use of bank cards has brought a lot of convenience and quickness to consumers' life and work, but with the popularization of bank cards, high-tech crimes against bank cards are also increasing year by year. The personal identity information involved in bank cards is limited. Criminals often take advantage of this defect to steal or crack consumers' card numbers and passwords by various means, so as to achieve the purpose of embezzling consumption and maliciously overdrafting cash, bringing harm to the victimized consumers. come a considerable loss