A two-dimensional code payment method with biometrics

Abstract

The invention discloses a two-dimension code payment method with biological characteristics. According to the method, a mobile device, a payment device, a payment clearing server and an authentication center are adopted. The mobile device, the payment device and the payment clearing server apply for safety certificates to the authentication center, and after authentication, the mobile device collects a consumption two-dimension code picture with a stochastic disturbance code, and the consumption two-dimension code picture is produced through the payment device; after authentication of related information, a payment two-dimension code picture is generated for the payment device to perform code swiping and paying after the related information is authenticated, and the payment device and the payment clearing server decode the payment two-dimension code to finish following-up payment after information authentication. Due to the fact that the stochastic disturbance code acquired from the payment device is added into the payment two-dimension code, the two-dimension code of consumption each time is dynamic, and the problem that a static code is repeatedly used after being intercepted can be effectively prevented; the antifalsification of information is guaranteed from the devices to a user by means of verification on the authentication center recognition information and ownership user fingerprint features.

Description

technical field [0001] The invention relates to a two-dimension code payment method with biological characteristics. Background technique [0002] With the maturity of technology and the popularization of mobile devices, QR code payment, as the main force of mobile payment, has been widely promoted in the payment field with its fashionable and convenient customer experience, and the number of users is growing very fast. , easy to intercept, and easy to spread, fraud incidents continue to break out, and its security in payment has been questioned. [0003] Patent 2011101720434 discloses a method for mobile phones to generate two-dimensional codes and realize mobile payment. Although the bank card account number, credit card account number, third-party payment user account number, prepaid card account number and other payment card account information owned by the user are encrypted It is stored in the mobile phone, but the information is fixed and can be directly obtained by ...

AI Technical Summary

Problems solved by technology

This technology confirms the credibility of the product issuer by checking the unique plaintext information and the ciphertext information of the two-dimensional code, but it cannot avoid the uniqueness of the product. For example, counterfeiters cannot counterfeit the corresponding ciphertext by changing the unique plaintext information. QR codes, but counterfeiters can copy a large number of counterfeit products by simultaneously copying the QR code graphics and the unique information in plain text on the packaging of genuine products, although the manufacturer of genuine products can dynamically release counterfeit products through subsequent investigations based on market feedback ID blacklist, but after all, it is a remedy after counterfeit products pass through. At this time, even genuine production cannot use this method to determine which of these problematic products collected is genuine.

Images