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Payment method and system

A technology of the payer and payee, applied in the electronic field, can solve the problems of different fingerprint data, lower user experience, and low probability of identicalness, etc., to achieve the effect of improving user experience and reducing the probability of failure to be identified

Inactive Publication Date: 2016-10-05
李明
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It can be seen that in the existing electronic payment process, the user needs to perform two operations, the first time to put the bank card on the POS machine to establish a connection with the POS machine, and the second time the user needs to enter the password, the operation process is complicated
[0003] In addition, in the prior art, since the probability that different people have the same biological characteristics is very small, for example, fingerprints, therefore, biological characteristics are usually used as user passwords
In this application, in order to protect the security of the user, when verifying the biometric information, the matching rate is set relatively high to avoid the illegal use of the user's account, but in this case, due to the user's biometrics in different states The information collected under different conditions may have slight differences. For example, the fingerprint data obtained by the same fingerprint collection may be different when the user's fingerprint is dry and wet. , the real fingerprint is regarded as a fake fingerprint, thereby rejecting the user's request and requiring the user to input again. In related technologies, the technical solution to this problem is mainly to optimize the fingerprint matching algorithm, but the premise of these solutions is that the collected fingerprint data is complete and accurate. For the difference between the collected fingerprint data and the stored fingerprint data , does not work well

Method used

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Embodiment 1

[0031] Human body communication is a new short-distance communication technology emerging in recent years, which is mainly used to solve the communication problem of body area network with human body as the carrier. It uses the human body as the transmission medium of electrical signals to realize the information interaction between the body surface, inside the body and surrounding (3-5 meters) medical care equipment. Compared with traditional wireless communication technologies such as Bluetooth, WIFI, radio frequency and infrared, the signal is transmitted through the human body in the process of human body communication, so electromagnetic noise has little influence on it, and it has low power consumption, high confidentiality and lower human body damage, etc. advantage. In addition, because there is no problem of reduced efficiency when multiple people communicate, it can also avoid the trouble of redundant connections in wired communication. Based on this, the present in...

Embodiment 2

[0071] This embodiment provides a payment system, such as figure 2 As shown, the payment system includes: a payee device 10, a payer device 20 and a background 30, wherein:

[0072] The payee device 10 is used to establish a communication connection with the payer device 20 through the biological limb after the biological limb enters the preset range of the payee device 10, and send transaction information to the payer device 20 through the communication connection; the payer device 20. It is used to receive transaction information, extract key information from the transaction information, and prompt the key information, waiting for the user to confirm; after receiving the user's confirmation instruction, send the authentication information to the payee device 10 through the communication connection, wherein the authentication The information includes: authentication identification information and digital authentication information; the payee device 10 is also used to receive...

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Abstract

The invention provides a payment method and system. The method comprises the steps that receiving side equipment establishes communication connection with payment side equipment through a biological limb and transmits transaction information to the payment side equipment through communication connector after the biological limb enters the preset range of the receiving side equipment; the payment side equipment extracts key information from the transaction information and prompts the key information to the user, and transmits authentication information to the receiving side equipment through the communication connection after receiving a confirmation instruction, wherein the authentication information includes authentication identification information and digital authentication information; the receiving side equipment receives the authentication information of the payment side equipment through the communication connection; biological characteristic information of the biological limb is acquired during the time when the biological limb enters the preset range of the receiving side equipment, and the authentication information and the biological characteristic information are transmitted to a background; the background acquires authentication factors and biological characteristic verification information according to the authentication identification information to perform authentication of the digital authentication information and the biological characteristic information; and payment transaction is performed under the condition of passing of authentication.

Description

technical field [0001] The invention relates to the field of electronic technology, in particular to a payment method and system. Background technique [0002] Compared with cash payment, electronic payment has the advantages of safety, speed and reliability. As a payment terminal, POS machine is widely used in electronic payment. Some existing POS machines read the cardholder's magnetic stripe information of the bank card through the card reader, the operator of the POS machine enters the transaction amount, the cardholder swipes the bank card on the POS machine, and then enters the password. The information is uploaded to the background of the bank to complete the online transaction. It can be seen that in the existing electronic payment process, the user needs to perform two operations, the first time to put the bank card on the POS machine to establish a connection with the POS machine, and the second time the user needs to enter the password, and the operation process...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/401G06Q20/3823G06Q20/3825G06Q20/3829G06Q20/40145
Inventor 李明
Owner 李明