Fingerprint payment certificate server, fingerprint payment method and system thereof

Abstract

The invention discloses a fingerprint payment certificate server, a fingerprint payment method and a system thereof. The server comprises a prepositioned server, which receives packaged data transmitted by a payment terminal which transacts based on fingerprint information, and comprises a preprocessing unit, a memory and a transaction server, wherein the preprocessing unit unpacks and deciphers the packaged data to obtain fingerprint information data and transaction data; the memory prestores user identity information including pre-acquired user fingerprint characteristic data; the transaction server is in signal connection with the prepositioned server and the memory, and certifies the user identity by comparing the fingerprint information data acquired by the prepositioned server with the fingerprint characteristic data of a corresponding user in the memory; and when the user identity is certified successfully, the transaction data is transmitted to a bank server. The fingerprint payment certificate server plays a role of a third party authenticator between the user and the bank, avoids the problem that impartiality deficiency of proof existing in unilateral certificate, and improves the convenience for user payment at the same time.

Description

technical field [0001] The invention relates to the field of payment authentication, in particular to a fingerprint payment authentication server, and a fingerprint payment method and system. Background technique [0002] With the progress of society, people are not limited to traditional payment methods such as cash payment and bank exchange in various activities and consumption. Electronic money is changing people's consumption and financial management methods with its great convenience. Then, the emergence of payment security issues. Existing methods to solve payment security problems are authentication methods such as passwords and signatures. However, this method is far from meeting people's safety and convenience requirements. For example: [0003] First of all, people need to carry bank cards with them when they go out. Once the bank cards are lost, there will be great security risks. [0004] In addition, once the password is stolen, it will bring great losses to...

AI Technical Summary

Problems solved by technology

However, this kind of legality authentication of user identity is unilateral, that is to say, the identification of user identity is completely carried out by the bank; there are too many legal loopholes in this unilateral authentication. There is a lack of fairness in the proof process between the bank and the user, because the user cannot prove the bank

[0005] In addition, this method is not conducive to user password management

For example, passwords are easily forgotten or confused

Especially with the advent of the Internet era, more and more password settings are bothering people: power-on passwords, email passwords, bank passwords, forum passwords... For these, if the same password is set, it will increase security risks ;If you set different passwords, it will bring troubles to password management

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