Palm vein authentication based payment management method, apparatus and system

Abstract

The invention discloses a palm vein authentication based payment management method, apparatus and system. The method is applied to a multi-merchant settlement platform and comprises the following steps: obtaining member information and a stored-value balance numerical value, and storing the member information and the stored-value balance numerical value in a member information database of a cloud end in a cloud storage mode; receiving a consumption amount-containing payment request message sent by a merchant payment terminal; sending a request message containing obtained palm vein information of a current consumption user to the merchant payment terminal; receiving the message containing the palm vein information of the current consumption user and sent by the merchant payment terminal; performing palm vein information authentication; when an authentication result is that the current consumption user is a member, judging whether the consumption amount is less than or equal to the stored-value balance numerical value or not; when the consumption amount is less than or equal to the stored-value balance numerical value, generating a payment result message containing payment success information; and sending the payment result message to the merchant payment terminal. The method, the apparatus and the system have the advantage of high security.

Description

technical field

[0001] The invention relates to the technical field of payment management in communication networks, in particular to a payment management method, device and system based on palm vein authentication. Background technique

[0002] At present, there are more and more large shopping malls and small stores. While these shopping malls and stores promote economic development, they also bring a lot of convenience to consumers. At present, there are already many payment systems on the market that bring convenience to the management of these shopping malls and stores, many of which also adopt the membership-based payment management method. First, enter member information, and then assign a membership number to each member, and pass a The magnetic stripe card reader issues a membership card with the function of storing value or points to the member user as a member certificate. After the member stores value in the membership card, the member card can be used for consum...

Examples

Embodiment 1

[0112] This embodiment provides a payment management method based on palm vein authentication, which is applied to a multi-merchant settlement platform, such as figure 1 shown, including the following steps:

[0113] S11. Obtain member information and stored value balance value and store them in the cloud member information database through cloud storage. The member information includes palm vein information, name and so on.

[0114] S12. Receive a payment request message including the consumption amount sent by the merchant's payment terminal.

[0115] S13. Send a request message including obtaining the palm vein information of the current consuming user to the payment terminal of the merchant.

[0116] S14. Receive a message containing the palm vein information of the current consumer user sent by the merchant's payment terminal.

[0117] S15. Perform palm vein information authentication. When the authentication result is that the current consuming user is a member, go to s...

Embodiment 2

[0147] This embodiment provides a payment management method based on palm vein authentication, which is applied to merchant payment terminals, such as figure 2 shown, including the following steps:

[0148] S31. Send a payment request message including the consumption amount to the multi-merchant settlement platform. Preferably, the mobile phone number and the like may also be sent to the multi-merchant settlement platform.

[0149] S32. Receive a request message containing the palm vein information of the current consuming user sent by the multi-merchant settlement platform.

[0150] S33. Obtain palm vein information of the current consuming user. For example, it can be obtained after detection by a palm vein detection device connected to a merchant's payment terminal.

[0151] S34. Send a message including the palm vein information of the current consuming user to the multi-merchant settlement platform.

[0152] S35. Receive the payment result message sent by the multi-m...

Embodiment 3

[0160] This embodiment provides a payment management device based on palm vein authentication, which is applied to a multi-merchant settlement platform, corresponding to Embodiment 1, as shown in image 3 shown, including:

[0161] The first obtaining unit 11 is used to obtain member information and stored value balance value and store them in the cloud member information database through cloud storage. The member information includes palm vein information, name and so on.

[0162] The first receiving unit 12 is configured to receive a payment request message including a consumption amount sent by a merchant payment terminal.

[0163] The first sending unit 13 is configured to send a request message including acquiring the palm vein information of the current consumer user to the payment terminal of the merchant.

[0164] The second receiving unit 14 is configured to receive a message containing the palm vein information of the current consuming user sent by the merchant's pa...

technical field

[0001] The invention relates to the technical field of payment management in communication networks, in particular to a payment management method, device and system based on palm vein authentication. Background technique

[0002] At present, there are more and more large shopping malls and small stores. While these shopping malls and stores promote economic development, they also bring a lot of convenience to consumers. At present, there are already many payment systems on the market that bring convenience to the management of these shopping malls and stores, many of which also adopt the membership-based payment management method. First, enter member information, and then assign a membership number to each member, and pass a The magnetic stripe card reader issues a membership card with the function of storing value or points to the member user as a member certificate. After the member stores value in the membership card, the member card can be used for consum...

Examples

Embodiment 1

[0112] This embodiment provides a payment management method based on palm vein authentication, which is applied to a multi-merchant settlement platform, such as figure 1 shown, including the following steps:

[0113] S11. Obtain member information and stored value balance value and store them in the cloud member information database through cloud storage. The member information includes palm vein information, name and so on.

[0114] S12. Receive a payment request message including the consumption amount sent by the merchant's payment terminal.

[0115] S13. Send a request message including obtaining the palm vein information of the current consuming user to the payment terminal of the merchant.

[0116] S14. Receive a message containing the palm vein information of the current consumer user sent by the merchant's payment terminal.

[0117] S15. Perform palm vein information authentication. When the authentication result is that the current consuming user is a member, go to s...

Embodiment 2

[0147] This embodiment provides a payment management method based on palm vein authentication, which is applied to merchant payment terminals, such as figure 2 shown, including the following steps:

[0148] S31. Send a payment request message including the consumption amount to the multi-merchant settlement platform. Preferably, the mobile phone number and the like may also be sent to the multi-merchant settlement platform.

[0149] S32. Receive a request message containing the palm vein information of the current consuming user sent by the multi-merchant settlement platform.

[0150] S33. Obtain palm vein information of the current consuming user. For example, it can be obtained after detection by a palm vein detection device connected to a merchant's payment terminal.

[0151] S34. Send a message including the palm vein information of the current consuming user to the multi-merchant settlement platform.

[0152] S35. Receive the payment result message sent by the multi-m...

Embodiment 3

[0160] This embodiment provides a payment management device based on palm vein authentication, which is applied to a multi-merchant settlement platform, corresponding to Embodiment 1, as shown in image 3 shown, including:

[0161] The first obtaining unit 11 is used to obtain member information and stored value balance value and store them in the cloud member information database through cloud storage. The member information includes palm vein information, name and so on.

[0162] The first receiving unit 12 is configured to receive a payment request message including a consumption amount sent by a merchant payment terminal.

[0163] The first sending unit 13 is configured to send a request message including acquiring the palm vein information of the current consumer user to the payment terminal of the merchant.

[0164] The second receiving unit 14 is configured to receive a message containing the palm vein information of the current consuming user sent by the merchant's pa...

Images