Bio-identification-based exchange method and system

Abstract

The invention discloses a bio-identification-based exchange method and system. The system comprises a user terminal, a system, a corresponding service, a merchant terminal and the like. A user registers in the system; bio-feature identification data of the user is collected through the terminal; the system stores user registration information; the user pays for purchased services or commodities online; after payment succeeds, the system stores payment information and purchase information; when the user needs to perform exchange on site, bio-identification is performed through the user terminal, the system or the merchant terminal; the system is requested to verify read bio-feature information; the system verifies user information and paid information; and if the verification is passed, a merchant is notified to allow the user to obtain the corresponding service. Through the bio-identification capability, convenient business experience of exchange without carrying a physical bill or a mobile phone terminal device is provided for the user.

Description

technical field [0001] The invention relates to the technical field of the Internet and mobile communication terminals, in particular to a biometric identification exchange method and system. Background technique [0002] With the development of Internet technology and mobile communication technology, especially the development of Internet and smart terminal technology, a biometric exchange method and system is feasible. [0003] At present, with the development of the wireless Internet and the Internet, there are more and more applications, and there are many consumption methods of electronic exchange coupons. Users purchase goods or services in advance and pay, and the system issues electronic exchange coupons to consumers. When users consume , you must go to the redemption place, or do the redemption online, and show the electronic redemption coupon in the form of an image through the mobile phone, or a long redemption code on the text message. The electronic redemption c...

AI Technical Summary

Problems solved by technology

[0007] At the same time, for different merchants, there is no need to register everywhere in different merchants. In general, users need to carry mobile phones to display electronic coupons, or use fingerprint recognition devices at merchants to identify them. For users, there are several Inconvenience or worry:

[0008] 1. It is necessary to carry a mobile phone to display images or text messages, which is sometimes inconvenient, such as when going to sports, or if you forget to bring your mobile phone, you cannot consume;

[0009] 2. Even if there is a public fingerprint identification device on the merchant side, some users are unwilling to read biometric features such as fingerprints on the merchant side due to privacy issues or hygiene issues;

[0010] 3. Multiple registrations are required for different merchants, and registration of biometric data such as fingerprints everywhere becomes a potential security risk, and it is also very inconvenient for users;

[0011] 4. The anonymous way of electronic exchange coupons and the way of copying and forwarding have certain security risks or are not safe in some occasions. In some application scenarios, the registered method is better, or some users want to be registered;

[0012] 5. The physical exchange voucher system cannot record the users of the final exchange voucher, which is not conducive to the analysis of future consumption big data user behavior

[0022] 1) The purpose of these patents is payment, and there is no separation between payment and consumption. The aforementioned several patents are all on-site payment, not online payment, and do not support or involve the mode of on-site exchange and consumption after payment in advance, and payment needs to be made on the spot. If the payment is not successful, it cannot be consumed;

[0023] 2) Registration must go to the merchant's end system to register, and the user's own mobile phone cannot be used to collect data and register, which means that the user must go to the merchant's site to register offline, which delays the user's time and energy, which is very inconvenient;

[0024] 3) The application purpose of the aforementioned patented fingerprints is to carry out on-site payment scene deduction, does not involve third-party online payment, and is not suitable for the scene of separation of payment and consumption;

[0025] 4) For different systems, users must register multiple times in multiple systems, and there is no or no support for OAuth involved;

[0026] 5) The user must use the merchant's identification terminal on site, and does not support the user's own terminal access for data collection and verification. The fingerprint data of the two patents exists locally on the system side and cannot be expanded to other places through the network;

[0027] 6) It cannot meet the needs of offline exchange, and can only make on-site payment

[0035] 1) When consuming, you need to enter an electronic verification code, or let your mobile phone scan the barcode in the image, which is error-prone and troublesome. Users still cannot do without their mobile phones, and users must carry their mobile phones;

[0036] 2) The exchange coupon is based on the page image and text, which is anonymous and can be forwarded, copied, and photographed, and there are certain security issues;

[0037] 3) An online exchange method and device, which describes an online exchange method that does not have the functions of online payment and offline exchange. Secondly, this patent requires multiple verification exchanges, and the generation requires the user to enter exchange vouchers and verification codes Obtain the exchange voucher, and use the exchange voucher to exchange the corresponding product again when consuming. There are multiple exchanges, and the functions of the exchange voucher and the exchange voucher are repeated;

[0039] 5) For different merchants, users must register multiple times in multiple systems, and cannot register once and use it everywhere, which greatly limits the exchange;

[0041] 1) Registration through the user's mobile terminal (such as the user's mobile phone) is not supported;

[0042] 2) Verification through the user's mobile terminal (such as the user's mobile phone) is not supported;

[0043] 3) OAuth is not supported, once registered, different merchants can use it;

[0044] 4) Exchange coupons do not support registration;

[0045] 5) The user's biometric features cannot be used as a voucher for redemption;

[0046] 6) It cannot record the user's exchange behavior data, and cannot support future data analysis;

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