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Payment method and payment system

A payment system and financial system technology, applied in the field of payment method and its payment system, can solve the problems of limited personal identity information, consumer loss, stolen consumption, etc., so as to eliminate the use of stolen consumption card transactions, avoid theft, improve security and The effect of precision

Inactive Publication Date: 2012-11-14
王凯兵
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0035] This embodiment provides a payment system, which includes a user terminal, an information delivery system, and a financial system connected to it in a wireless or wired manner, wherein the user terminal includes a user terminal that is commonly accommodated in a mobile communication device. The financial service terminal for recording the user's personal financial information and the mobile communication terminal for recording the user's personal communication information. The personal communication information and the corresponding personal financial information are bound to each other. When the transaction is paid, the financial system will feed back the transaction completion information to the mobile communication terminal.

[0036] Wherein, the financial system is used to provide financial services, preferably a banking financial system. The mobile communication device can be various handheld communication devices, such as mobile phones, PDAs, palmtop computers, et...

Embodiment 2

[0042] In a preferred embodiment of the present invention, another payment system is provided, which includes:

[0043]User terminal, information transmission system, fingerprint input system, financial system and fingerprint database, user terminal, information transmission system are respectively connected with financial system through wireless or wired way, fingerprint input system and fingerprint database are also connected through wireless or wired way China Unicom, wherein the user terminal includes a financial service terminal for recording the user's personal financial information and a mobile communication terminal for recording the user's personal communication information, which are jointly accommodated in the mobile communication device, and the personal communication information is related to the corresponding Binding of personal financial information and / or fingerprint information, when the financial service terminal is successfully connected with the financial sy...

Embodiment 3

[0085] In a preferred embodiment of the present invention, in step 3), further include the following steps:

[0086] Step 31) Perform password verification: input the password information through the password input system of the information delivery system, transmit it to the financial system, compare the input password information with the initially set password information, if they are consistent, then the password verification is passed, and if they are not consistent , the password verification fails;

[0087] Step 32) Perform fingerprint verification: scan and enter the fingerprint through the fingerprint reading module of the fingerprint input device, the fingerprint transmission module transmits the entered fingerprint pattern information to the fingerprint database for verification, and uses a feature comparison algorithm to compare the entered fingerprint information with the initial The fingerprint information is compared and analyzed, and if it is judged to be the s...

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PUM

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Abstract

The invention relates to a payment system, which comprises a user terminal, an information transfer system, a fingerprint input system, a financial system and a fingerprint database. The user terminal and the information transfer system are respectively communicated with the financial system in a wireless or wired way, the fingerprint input system is communicated with the fingerprint database in a wireless or wired way, wherein the user terminal comprises a financial service terminal and a mobile communication terminal, the financial service terminal and the mobile communication terminal are accommodated in a mobile communication device, the financial service terminal is used for recording personal financial information of a user, the mobile communication terminal is used for recording personal communication information of the user, the personal communication information is bound with corresponding personal financial information and / or fingerprint information, and when the financial service terminal is successfully communicated with the financial system and transaction payment is completed, information of transaction completion is fed back to the mobile communication terminal by the financial system. The invention also provides a payment method. The payment system and the payment method can be used conveniently and has high security in transaction, and the stealing of consumer cards for transactions can be eliminated fundamentally.

Description

technical field [0001] The invention relates to a payment method and its payment system, in particular to a payment method and its payment system that is not only convenient to use but also has 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 transaction secu...

Claims

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Application Information

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IPC IPC(8): G06Q20/32H04L29/06H04W12/00
Inventor 王凯兵
Owner 王凯兵
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