Electronic wallet identity authentication method and device as well as mobile terminal

Abstract

The invention provides an electronic wallet identity authentication method and device as well as a mobile terminal, and relates to the field of mobile payment. The method comprises the following steps: receiving consumption information sent by a selling terminal; after the consumption information is confirmed, acquiring fingerprint information, and generating a fingerprint feature code; encrypting the fingerprint feature code to obtain an encrypted fingerprint feature code; sending the encrypted fingerprint feature code for authentication. According to the method, by the adoption of the mode of authenticating the identity by checking the fingerprint feature code, loss caused by password losing or stealing is avoided.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to an electronic wallet identity authentication method, device and mobile terminal. Background technique [0002] With the development of science and technology, mobile terminals are more and more widely used by people for payment when shopping. At present, there are two methods of mobile payment technology: one is near-field payment, that is, the offline electronic payment function is realized through a mobile terminal integrated with the NFC function of short-distance communication; etc.) for online payment. [0003] The technical realization of method 1 is: the user swipes the card at the contactless POS terminal, initiates a payment request to the data center of the financial institution, and the data center of the financial institution receives the payment request, operates the account balance, and returns the payment confirmation information. The technical implementation of met...

AI Technical Summary

Problems solved by technology

However, the existing two methods have their own shortcomings and cannot guarantee the security of mobile payment

[0004] The main defects of method 1: 1. The user does not verify the signature or password when making a small payment (subject to the amount set by the user or the regulations of the card issuing bank) at the contactless POS terminal. Once the user loses the mobile terminal, there is The possibility of being stolen, at the same time, the loss of the mobile terminal causes the user to fail to report the loss in time, which increases the potential loss of the user

2. When the user makes a large-amount payment at a non-contact POS terminal (subject to the amount set by the user or the regulations of the card issuing bank), the user needs to enter a password. Compared with the small-amount payment, although the security is higher, it is at the cost of reducing convenience. Compared with the traditional contact POS terminal card swiping method, it has no obvious advantages in terms of security and convenience, but the hardware cost is higher

[0005] The main defects of the second method: 1. There is a risk of password loss

The loss of user password is a relatively common and common phenomenon. Due to the mismatch between the input password and the original password stored in the data center of the financial institution, it is not uncommon for the payment request to fail.

2. There is a risk of being stolen

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