Payment authentication device and payment authentication method

A payment authentication and account authentication technology, applied in the field of payment authentication devices, can solve problems such as hidden dangers of account security, complexity, and reduced user experience, and achieve the effects of good payment experience, payment security, and flexible switching.

Inactive Publication Date: 2016-07-27
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Then, this payment authentication method, on the one hand, the operation of replacing the default account is complicated, especially when the payment is temporarily changed, it is very cumbersome, and it is impossible to flexibly select the account for payment authentication, which greatly reduces the user experience; on the other hand , multiple accounts correspond to the same fingerprint information, only the default account can be authenticated, and the person cannot identify the account. Once the fingerprint information is copied, it will cause security risks to all accounts

Method used

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  • Payment authentication device and payment authentication method
  • Payment authentication device and payment authentication method
  • Payment authentication device and payment authentication method

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Embodiment Construction

[0060] The present invention will now be described more fully with reference to the accompanying drawings, in which exemplary embodiments of the invention are shown. However, this invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art.

[0061] figure 1 Shown is a schematic structural diagram of a payment authentication device according to an embodiment of the present invention. In this embodiment, the payment authentication device 10 can realize two-factor authentication, that is, user identity authentication through palmprint, and account authentication through fingerprint information and fingerprint combination information, which can be used for payment authentication where a user has multiple accounts. In this article, "account" ca...

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Abstract

The invention provides a payment authentication device and a payment authentication method, and belongs to the technical field of financial payment.The payment authentication device provided by the invention comprises a biological characteristic information collection module used for collecting the fingerprint information of one or more fingers of a hand of a user, and an account authentication module used for performing account recognition on the plurality of user accounts based on the fingerprint combination information of the fingerprint information, and performing account authentication on the recognized account based on the fingerprint information.According to the payment authentication device and the payment authentication method provided by the invention, the payment is safer, a default account does not need to be set aiming at the plurality of user accounts, selection and switching among the plurality of user accounts is more flexible, and the user payment experience is good.

Description

technical field [0001] The invention belongs to the technical field of financial payment, and relates to a payment authentication device and a payment authentication method using a multi-fingerprint combination for payment authentication. Background technique [0002] In the process of online payment or offline payment, it is generally necessary to perform a payment authentication process to ensure payment security. Moreover, with the development of network payment technology, cardless payment is becoming more and more popular because it can bring great convenience to users' payment (users do not need to carry any bank cards or financial cards, and do not need to swipe cards). Widely accepted by users. [0003] At present, a user usually has multiple bank accounts, that is, multiple bank cards, and each account is suitable for cardless payment on different occasions. [0004] Although biometric verification technologies such as fingerprint identification are widely used in...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06G06Q20/40
CPCH04L63/0861G06Q20/40145H04L63/0815
Inventor 才华
Owner CHINA UNIONPAY
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