Fingerprint payment method and device
A fingerprint and feature point technology, applied in the field of fingerprint payment methods and devices, can solve problems such as increasing the difficulty of user operations, loss of user property, and prolonged consumption time, and achieve the effects of improving payment experience, ensuring property safety, and simplifying payment steps.
Inactive Publication Date: 2018-06-22
BANK OF CHINA
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Problems solved by technology
However, the above payment methods must rely on third-party media (such as mobile phones or bank cards) to complete consumption when users consume. On the one hand, there is an additional consumption step, which increases the difficulty of user operations. This leads to poor consumption experience for users. On the other hand, it is also easy to increase the risk of loss of third-party media (such as mobile phones or credit cards), resulting in property losses for users.
For example, when a user is queuing up to pay for the goods in the supermarket, the user has to take care of the goods he bought and take out his mobile phone or wallet to consume, which will undoubtedly lengthen the consumption time and complicate the consumption steps. At the same time, the mobile phone or wallet is It is a valuable item, and it is easy to lose the item if it is frequently taken out in public
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[0046] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0047] Please refer to the attached figure 1 , figure 1 A schematic flowchart of a fingerprint payment method provided by an embodiment of the present invention, the method includes the following steps:
[0048] Step S100, acquiring the feature points of the fingerprint collected by the first terminal and input by the user during the transaction;
[0049] The first terminal is set at the place of consumption; specifically, the first terminal can be a smart p...
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The embodiment of the invention discloses a fingerprint payment method and device. A characteristic point of the fingerprint acquired by a first terminal and inputted by a user during a transaction process is acquired, and a target characteristic point matched with the characteristic point of the fingerprint inputted by the user during the transaction process is searched in a characteristic pointdatabase; whether searching is successful is judged, and a first judgment result is obtained; when the first judgment result indicates successful searching, a bank account corresponding to the targetcharacteristic point is determined; and based on the bank account, the transaction process is completed. The above fingerprint payment method and the device have the advantages of simplifying the payment steps, improving the payment experience of the user and ensuring the property safety of the user.
Description
technical field [0001] The invention relates to the technical field of mobile payment, in particular to a fingerprint payment method and device. Background technique [0002] With the improvement of the quality of social life and the pace of life, people are increasingly pursuing convenient and fast payment methods, such as Alipay, WeChat payment and other mobile payment methods and bank card payment methods. However, the above payment methods must rely on third-party media (such as mobile phones or bank cards) to complete consumption when users consume. On the one hand, there is an additional consumption step, which increases the difficulty of user operations. As a result, the user's consumption experience is not good, and on the other hand, it is also easy to increase the risk of loss of third-party media (such as mobile phones or credit cards), resulting in property losses of users. For example, when a user is queuing up to pay for the goods in the supermarket, the user ...
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IPC IPC(8): G06Q20/40
CPCG06Q20/40145
Inventor蒋勇蒋际涛张昕晖洪滢彬李健保
OwnerBANK OF CHINA