Payment system supporting non-contact intelligent card, and method thereof
A non-contact smart card and payment system technology, applied in the direction of payment architecture, equipment, data processing applications, etc., can solve the problems of password trouble, non-contact smart card does not support pre-authorization business, non-contact smart card does not support return business, etc.
Inactive Publication Date: 2012-07-25
张龙其
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Problems solved by technology
[0009] The present invention provides a payment system and method supporting non-contact smart cards, so as to solve the troublesome and unsafe problem that the user enters the password of the smart card or the main account when using the non-contact smart card for transaction; and solves the problem that the non-contact smart card does not support the pre-authorization business ; Solve the problem that the contactless smart card does not support the return business
Method used
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[0046] Such as figure 1 , the payment system of the contactless smart card comprises a system platform 91, a payment terminal 93, a SAM card 95 and a contactless smart card 97; the payment terminal 93 is connected to the system platform 91 through a wireless or wired network 41, and the SAM card 95 is connected through contacts and leads 42 At the payment terminal 93, the contactless smart card 97 communicates with the payment terminal 93 through the radio frequency signal 42;
[0047] The system platform 91 includes a key module 11, a fingerprint module 17 and a cardholder main account 21; wherein the key module 11 includes a mandatory key 12, a fingerprint authentication key 15 and a fingerprint writing key 16, wherein the mandatory key 12 includes a mandatory loading key 13 and a mandatory consumption key 14; the fingerprint module 17 includes a fingerprint matching unit 18 and a fingerprint data unit 19, wherein the fingerprint data unit 19 includes the card user fingerpri...
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The invention relates to a payment system supporting a non-contact intelligent card, and a method of the payment system, which can be applied to the field of financial payment service. The payment system comprises a system platform used for intercommunicating with a payment terminal and receiving, processing and transmitting associated data, the payment terminal used for intercommunicating with a security account manager (SAM) card, the non-contact intelligent card and the system platform for completing the needed transaction, the SAM card used for the safety control in the transaction, and the non-contact intelligent card used for intercommunicating with the payment terminal for completing the needed transaction. The payment system is characterized in that the payment terminal is provided with a fingerprint collection processing module which is at least used for collecting the fingerprint data of a user owning the card; the non-contact intelligent card is provided with a fingerprint module which comprises a fingerprint data unit; and the fingerprint data unit is used for managing the fingerprint data of the user owning the card. With the adoption of the payment system and the method of the payment system, the safety is improved, and the requirement on convenient and fast consumption of people is met, thus the payment system is an irresistible trend for financial payment development.
Description
technical field [0001] The method relates to a non-contact smart card payment system and a method thereof, in particular to a method for adding cardholder fingerprint data, mandatory keys, and electronic accounts to a non-contact smart card, and is applied in the field of financial payment services. Background technique [0002] In the current common non-contact smart card payment system, the user usually enters the password at the payment terminal, and then through the system platform, payment terminal, SAM card and contactless smart card associated communication, after verifying or matching the relevant data information, the payment on the contactless smart card is completed. Electronic passbook and electronic wallet deposit transaction and consumption transaction. [0003] The following are the most common loading and consumption processes in the prior art, so as to understand the present invention in more detail. [0004] The brief process of electronic passbook and ele...
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Inventor 张龙其
Owner 张龙其