A payment method based on biological characteristics

Abstract

The invention reveals a payment method based on biological characteristics. Modules include a mobile terminal, a business logic module, a biological characteristics module, a payment module and so on. The biological characteristics of a user are collected by the mobile terminal with a biometric acquisition device, and the user registers in the system and binds the identity and the terminal and a payment account. When the user needs to pay, the system sends a payment notice message or the user inquires about the payment item or inputs the data about the code of a payment object and the amount of the payment, the user confirms the payment and collects user's biological characteristic and terminal characteristic data to ask the system to carry out the payment, the system judges the user's biological characteristic and terminal characteristic data and sends them to the payment system to do fee deduction from the user's association account, and returns the payment result to the user terminal and a payment message terminal where the commercial tenants register in, and the payment can be treated as effective after commercial tenants confirm the payment. The system collects the biological characteristics of the user remotely and carries out payement, and a convenient and fast payment method which is based on user terminal is provided for users.

Description

technical field [0001] The present invention relates to technical fields such as mobile terminals, system software, and third-party payment, and more specifically, relates to a payment method based on biometric features. Background technique [0002] With the development of mobile communication services, especially the development of third-generation mobile communication service technology, mobile communication and the Internet are becoming more and more closely integrated, and mobile value-added services are becoming more and more abundant. As a portable device, a mobile terminal carries more and more various functions. [0003] At present, various payment methods have gradually developed from traditional cash payment and credit card payment to various mobile payment methods, including NFC payment, merchant biometric payment and other payment methods combined with mobile phones. In applications, NFC payment requires terminal And merchants support it, but the current NFC te...

AI Technical Summary

Problems solved by technology

[0003] At present, various payment methods have gradually developed from traditional cash payment and credit card payment to various mobile payment methods, including NFC payment, merchant biometric payment and other payment methods combined with mobile phones. In applications, NFC payment requires terminal And merchants support it, but the current NFC terminal penetration rate is low, and it is difficult to report the loss of a lost terminal. In the general sense, biometric payment requires merchants to deploy devices with biometric identification. For merchants, it is a big problem. Cost, the user needs to go to a specific location to register and open, the process is cumbersome, and the mobile terminal is becoming more and more capable, integrating various devices such as biometric identification, and identifying users by using the mobile terminal as a source of biometric data collection. Security and portability are improved, and merchants do not need to deploy biometric identification devices, and can conveniently and quickly complete the functions of payment identification and account association, thus providing a convenient remote payment system based on terminal biometric identification

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