Composite authentication payment method, device and server

Abstract

The present invention provides a composite authentication payment method, device and server, which can be used in the field of financial technology. The method includes: receiving a transaction payment instruction containing transaction payment information, collecting the user's first biometric information, and transmitting the first biometric information to the transaction server so that the transaction server authenticates the first biometric information. If the authentication is successful, returning the user information corresponding to the first biometric information; receiving the user information and feeding it back to the user so that the user confirms the user information. If the confirmation is successful, receiving the confirmation information input by the user; forming a transaction payment request according to the transaction payment information and transmitting it to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request. The present invention ensures the security of transaction payment through multiple authentication methods.

Description

Technical Field

[0001] The present invention relates to the technical field of payment equipment, can be used in the financial field, and in particular to a composite authentication payment method, device and server. Background Art

[0002] In recent years, with the rapid growth of China's economy and the continuous improvement of people's living standards, the means of financial transaction payment have become more and more diverse. Among them, when using POS devices for transaction payment, users mainly use bank cards and passwords to pay. On the one hand, this transaction payment method using bank cards requires users to carry bank cards with them. When users forget or lose their bank cards, transaction payment cannot be completed. In addition, when paying with bank cards, users need to enter the bank card password to complete identity authentication before they can realize deduction payment. The bank card password is usually composed of a string of simple numbers, and the security factor is not high. Once leaked, it will cause unnecessary losses to users. On the other hand, although there are currently POS devices that use biometric authentication such as fingerprint recognition, which have added verification auxiliary means, due to the existence of counterfeit POS or fraudulent POS, consumers have no way to identify them, and there may be a risk of fingerprint information being stolen, and there is still room for improvement in security. Summary of the invention

[0003] In order to solve at least one of the above problems, one object of the present invention is to provide a composite authentication payment method, which ensures the security of transaction payment through multiple authentication methods. Another object of the present invention is to provide a composite authentication payment device. Another object of the present invention is to provide a transaction server. Another object of the present invention is to provide a computer device. Another object of the present invention is to provide a readable medium.

[0004] In order to achieve the above objectives, the present invention discloses a composite authentication payment method, including:

[0005] receiving a transaction payment instruction including transaction payment information, collecting first biometric information of a user, and transmitting the first biometric information to the transaction server so that the transaction server authenticates the first biometric information, and if the authentication is successful, returning user information corresponding to the first biometric information;

[0006] Receive the user information and feed it back to the user so that the user can confirm the user information. If the confirmation is successful, receive confirmation information input by the user;

[0007] A transaction payment request is formed according to the transaction payment information and transmitted to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request.

[0008] Preferably, the method further comprises, before forming a transaction payment request according to the transaction payment information:

[0009] Collect the user's second biometric information, and transmit the second biometric information to the transaction server so that the transaction server can authenticate the second biometric information. If the authentication is successful, return the authentication success information to form a transaction payment request based on the transaction payment information.

[0010] Preferably, the collecting of the second biometric information of the user specifically includes:

[0011] Determine whether the transaction payment information meets the preset conditions, and if so, collect the user's second biometric information.

[0012] Preferably, the method further comprises, after receiving the confirmation information input by the user:

[0013] The confirmation information is sent to the transaction server so that the transaction server verifies the confirmation information. If the verification is successful, the verification pass information is returned to form a transaction payment request according to the transaction payment information.

[0014] Preferably, the first biometric information is fingerprint information, and the second biometric information is finger vein information.

[0015] Preferably, the collecting of the user's first biometric information specifically includes:

[0016] The semiconductor component of the biometric acquisition module generates a corresponding electrical signal based on the fingerprint of the user's finger, wherein the semiconductor component includes an electrode array;

[0017] The electrical signal formed by the semiconductor component is acquired to obtain the fingerprint information of the user.

[0018] Preferably, the collecting of the second biometric information of the user specifically includes:

[0019] The infrared module of the biometric feature acquisition module emits infrared light to illuminate the finger of the user placed in the finger groove;

[0020] The imaging module of the biometric feature acquisition module acquires the vein pattern image of the finger under infrared light;

[0021] The user's finger vein information is obtained according to the vein pattern image.

[0022] Preferably, further comprising:

[0023] When collecting the first biometric characteristic information or the second biometric characteristic information, controlling the rotating assembly to rotate under the driving torque of the driving assembly and driving the cover plate to expose the biometric characteristic collection module, wherein the cover plate is arranged above the biometric characteristic collection module and connected to the payment device body through the rotating assembly;

[0024] When the first biometric characteristic information or the second biometric characteristic information is collected, the rotating component is controlled to rotate under the action of the driving torque of the driving component and drives the cover plate to cover the biometric characteristic collection module.

[0025] Preferably, the controlling the rotating assembly to rotate under the driving torque of the driving assembly specifically includes:

[0026] The control rocker arm rotates under the action of the driving torque output by the driving assembly to drive the cover plate fixed at one end of the rocker arm to rotate, wherein one end of the rocker arm is fixedly connected to the cover plate, and the other end of the rocker arm is fixedly connected to the driving assembly.

[0027] Preferably, the control rocker arm rotates under the action of the driving torque output by the driving assembly specifically includes:

[0028] The power output shaft of the control driving motor rotates to drive the gear set to rotate, and the rotation of the gear set drives the rocker arm to rotate, wherein the driving assembly includes a driving motor and a gear set, and the gear set is connected to the other end of the rocker arm.

[0029] The present invention also discloses a composite authentication payment method, comprising:

[0030] Receiving first biometric characteristic information transmitted by a payment device, where the first biometric characteristic information is obtained by the payment device receiving a transaction payment instruction containing transaction payment information and collecting the first biometric characteristic information of the user;

[0031] Authenticating the first biometric information, if the authentication is successful, determining user information corresponding to the first biometric information and sending the user information to the payment device so that the payment device feeds back the user information to the user so that the user confirms the user information, if the confirmation is successful, receiving confirmation information input by the user, and forming a transaction payment request according to the transaction payment information;

[0032] The payment request transmitted by the payment device is received, and transaction deduction is completed according to the transaction payment request.

[0033] Preferably, the method further comprises, before receiving the payment request transmitted by the payment device:

[0034] Receiving second biometric characteristic information transmitted by the payment device, where the second biometric characteristic information is obtained by the payment device collecting the second biometric characteristic information of the user;

[0035] The second biometric feature information is authenticated, and if the authentication is successful, authentication success information is returned to the payment device so that the payment device forms a transaction payment request according to the transaction payment information.

[0036] Preferably, the method further comprises, before receiving the payment request transmitted by the payment device:

[0037] receiving confirmation information transmitted by the payment device;

[0038] The confirmation information is verified, and if the verification is successful, verification success information is returned to the payment device so that the payment device forms a transaction payment request according to the transaction payment information.

[0039] The present invention also discloses a composite authentication payment device, comprising:

[0040] An information collection module, used to receive a transaction payment instruction including transaction payment information, collect first biometric information of a user, and transmit the first biometric information to the transaction server so that the transaction server authenticates the first biometric information, and if the authentication is successful, return user information corresponding to the first biometric information;

[0041] An information confirmation module is used to receive the user information and feed it back to the user so that the user can confirm the user information. If the confirmation is passed, the confirmation information input by the user is received;

[0042] The transaction payment module is used to form a transaction payment request according to the transaction payment information and transmit it to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request.

[0043] The present invention also discloses a transaction server, comprising:

[0044] An information receiving module, configured to receive first biometric characteristic information transmitted by a payment device, wherein the first biometric characteristic information is obtained by the payment device receiving a transaction payment instruction containing transaction payment information and collecting the first biometric characteristic information of the user;

[0045] an information verification module, configured to authenticate the first biometric information, and if the authentication is successful, determine the user information corresponding to the first biometric information and send the user information to the payment device so that the payment device feeds the user information back to the user so that the user confirms the user information, and if the confirmation is successful, receive confirmation information input by the user, and form a transaction payment request according to the transaction payment information;

[0046] The transaction deduction module is used to receive the payment request transmitted by the payment device and complete the transaction deduction according to the transaction payment request.

[0047] The present invention also discloses a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the method described above is implemented when the processor executes the program.

[0048] The present invention also discloses a computer-readable medium on which a computer program is stored. When the program is executed by a processor, the method described above is implemented.

[0049] The composite authentication payment method of the present invention receives a transaction payment instruction including transaction payment information, collects the user's first biometric information, and transmits the first biometric information to the transaction server so that the transaction server authenticates the first biometric information. If the authentication is successful, the user information corresponding to the first biometric information is returned. The user information is received and fed back to the user so that the user confirms the user information. If the confirmation is successful, the confirmation information input by the user is received. A transaction payment request is formed according to the transaction payment information and transmitted to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request. That is, the present invention authenticates the user identity through the interactive authentication method of biometric identification and confirmation information to complete offline payment, solves the inconvenience caused by consumers needing to carry bank cards for payment and needing to enter passwords, provides users with safer and more convenient transaction payment services, and improves user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0051] Figure 1 A flowchart showing a specific embodiment of the composite authentication payment method of the present invention;

[0052] Figure 2A flowchart showing a specific embodiment S210 of the composite authentication payment method of the present invention;

[0053] Figure 3 A flowchart showing a specific embodiment S211 of the composite authentication payment method of the present invention;

[0054] Figure 4 A flowchart showing a specific embodiment S220 of the composite authentication payment method of the present invention is shown;

[0055] Figure 5 A schematic diagram showing a specific embodiment of the composite authentication payment device of the present invention;

[0056] Figure 6 A structural diagram showing a specific embodiment of the composite authentication payment device of the present invention;

[0057] Figure 7 and Figure 8 A schematic diagram showing the structure of a specific embodiment of the composite authentication payment device of the present invention;

[0058] Fig. 9 A flowchart showing a specific embodiment S100 of the composite authentication payment method of the present invention is shown;

[0059] Fig.10 A flowchart showing a specific embodiment S220 of the composite authentication payment method of the present invention for collecting the second biometric information of the user;

[0060] Fig.11 A flowchart showing a specific embodiment S500 of the composite authentication payment method of the present invention is shown;

[0061] Fig.12 A flowchart showing a specific embodiment S531 of the composite authentication payment method of the present invention;

[0062] Figure 13-Figure 16 A schematic diagram showing a dustproof component of a specific embodiment of a composite authentication payment device of the present invention;

[0063] Fig.17 A flowchart showing a specific embodiment S532 of the composite authentication payment method of the present invention;

[0064] Fig.18 An application flow chart showing a specific embodiment of the composite authentication payment device of the present invention;

[0065] Fig.19 A flowchart showing a specific embodiment of the composite authentication payment method (transaction server) of the present invention;

[0066] Fig. 20 A flowchart showing a specific embodiment of the composite authentication payment method of the present invention, S620, for collecting the second biometric information of the user;

[0067] Fig.21 A flowchart showing confirmation information verification of a specific embodiment of the composite authentication payment method of the present invention;

[0068] Fig. 22 A structural diagram showing confirmation information verification of a specific embodiment of the composite authentication payment device of the present invention;

[0069] Fig.23 A structural diagram showing a confirmation information verification of a specific embodiment of a transaction server of the present invention;

[0070] Fig.24 A schematic diagram showing the structure of a computer device suitable for implementing an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0071] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0072] It should be noted that the composite authentication payment method, device and server disclosed in the present invention can be used in the financial field, and can also be used in any field other than the financial field. The application field of the composite authentication payment method, device and server disclosed in the present invention is not limited.

[0073] In the prior art, when the current POS device is making a transaction payment, the user is usually required to swipe the bank card first, the POS device reads the information in the bank card, and then the user manually enters the bank card password. The payment can be completed only after the bank card and password are verified. This payment method of the existing POS device requires the user to carry the bank card with him, and also requires the user to remember the bank card password. If the user forgets to carry the bank card or forgets the password, the payment cannot be completed. In addition, in the case of the bank card being lost, the password being leaked, or the password being illegally stolen, the POS device cannot identify the identity of the user holding the bank card and entering the bank card password, so it cannot be guaranteed that the transaction payment is made by the user himself through the bank card, which may lead to the theft of the bank card. That is, the traditional user identity authentication method includes identity identification items (such as keys, certificates, ATM cards, etc.) and identity identification knowledge (such as user names and passwords). Since it mainly relies on external objects, once the identification items and identification knowledge that prove the identity are stolen or forgotten, the identity is easily impersonated or replaced by others. At present, there are POS devices that use fingerprint recognition and other feature authentication, but such POS devices usually use the user's static biometrics, which are at risk of being stolen. For example, for POS that uses fingerprints for biometric authentication, the user's fingerprint can be easily collected and copied, so a single static biometric cannot guarantee that the transaction payment is made by the user himself, and the user's property safety is still threatened. Finally, the biometric authentication module on the existing POS device usually needs to be equipped with a sensor to collect the user's biometrics, and the sensor is exposed to the external environment for a long time and there is a risk of damage and contamination, which may cause damage to the POS. Therefore, sensor exposure will affect the service life of the POS device and increase the probability of failure of the POS device.

[0074] The composite authentication payment system provided by the embodiment of the present invention includes a transaction terminal, a composite authentication payment device 1 and a transaction server. The composite authentication payment device 1 can receive a transaction payment instruction transmitted by the transaction terminal, collect the user's biometric information and confirmation information according to the transaction payment instruction, and can communicate with the transaction server to transmit the collected information to the transaction server for user identity authentication. The transaction server verifies the information transmitted by the composite authentication payment device 1. If the verification passes, it means that the user identity authentication passes, then the transaction deduction is performed, and the result of the transaction deduction is returned to the composite authentication payment device 1.

[0075] The following takes the composite authentication payment device 1 as an example to illustrate the implementation process of the composite authentication payment method provided by the embodiment of the present invention. It is understandable that the execution subject of the composite authentication payment method provided by the embodiment of the present invention includes but is not limited to the composite authentication payment device 1.

[0076] In order to provide users with safer and more convenient transaction payment services and improve user experience. This embodiment discloses a composite authentication payment method. Figure 1 As shown, in this embodiment, the method includes:

[0077] S100: Receive a transaction payment instruction including transaction payment information, collect the user's first biometric information, and transmit the first biometric information to the transaction server so that the transaction server authenticates the first biometric information. If the authentication is successful, return the user information corresponding to the first biometric information.

[0078] S200: receiving the user information and feeding back to the user so that the user can confirm the user information. If the confirmation is successful, receiving confirmation information input by the user.

[0079] S300: Forming a transaction payment request according to the transaction payment information and transmitting the request to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request.

[0080] The composite authentication payment method of the present invention receives a transaction payment instruction including transaction payment information, collects the user's first biometric information, and transmits the first biometric information to the transaction server so that the transaction server authenticates the first biometric information. If the authentication is successful, the user information corresponding to the first biometric information is returned. The user information is received and fed back to the user so that the user confirms the user information. If the confirmation is successful, the confirmation information input by the user is received. A transaction payment request is formed according to the transaction payment information and transmitted to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request. That is, the present invention authenticates the user identity through the interactive authentication method of biometric identification and confirmation information to complete offline payment, solves the inconvenience caused by consumers needing to carry bank cards for payment and needing to enter passwords, provides users with safer and more convenient transaction payment services, and improves user experience.

[0081] In a preferred embodiment, Figure 2 As shown, the method further includes, before forming a transaction payment request according to the transaction payment information:

[0082] S210: Collect the user's second biometric information, and transmit the second biometric information to the transaction server so that the transaction server authenticates the second biometric information. If the authentication is successful, return the authentication success information to form a transaction payment request according to the transaction payment information.

[0083] Specifically, it can be understood that in order to further ensure the accuracy of user identity authentication, in this preferred embodiment, the user's second biometric information can be collected and sent to the transaction server so that the transaction server verifies the second biometric information collected by the payment device 1 in real time according to the pre-stored second biometric information of the user. If the verification is successful, the transaction server returns authentication information to the payment device 1. Only after the payment device 1 receives the authentication information transmitted by the transaction server can it form a transaction payment request according to the transaction payment information and continue the transaction payment.

[0084] In a preferred embodiment, Figure 3 As shown, the step 210 of collecting the second biometric information of the user specifically includes:

[0085] S211: Determine whether the transaction payment information meets the preset conditions, and if so, collect the user's second biometric information.

[0086] It is understandable that collecting the user's first biometric information and second biometric information multiple times during each offline transaction and performing interactive authentication through confirmation information will reduce the efficiency of the user's transaction payment. Therefore, for transactions with low risks such as small transaction amounts, composite authentication payment with multiple authentication methods may not be used. Therefore, in this preferred embodiment, by presetting preset conditions, after the user enters the confirmation information, the payment device 1 can determine whether the preset conditions are met based on the transaction payment information. If so, the user's second biometric information is collected. Otherwise, it indicates that the transaction risk is low, and a transaction payment request can be formed to directly conduct the transaction. Among them, the preset conditions can be transaction financial thresholds, transaction objects and other conditions. In actual applications, they can be set according to actual conditions, and the present invention does not limit this.

[0087] In a preferred embodiment, Figure 4 As shown, the method further comprises, after receiving the confirmation information input by the user:

[0088] S220: Send the confirmation information to the transaction server so that the transaction server verifies the confirmation information. If the verification is successful, return verification success information to form a transaction payment request according to the transaction payment information.

[0089] Specifically, it can be understood that after the payment device 1 receives the user information transmitted by the transaction server, it can display it to the user so that the user can enter confirmation information. The confirmation information can be confirmation operation information to confirm that the user information is correct. For example, the user presses the confirmation button 41 on the payment device 1, and the confirmation button 41 transmits the confirmation information to the main control module 2 of the payment device 1. In this preferred embodiment, in order to further authenticate the user identity, information interaction with the user can be performed to preset a specific confirmation information. When the user confirms the user information during offline transaction payment, the preset confirmation information is input to the payment device 1. The payment device 1 transmits the confirmation information to the transaction server so that the transaction server verifies the user identity according to the user's preset confirmation information. Only when the verification is passed can the payment device 1 proceed to the next step, thereby further ensuring the accuracy of the user identity authentication and ensuring the security of the transaction payment. For example, in a specific example, Figure 5-Figure 8 As shown, the confirmation information can be the "confirmation" information input by the user through the input module 4 of the payment device 1, that is, the confirmation information confirming that the user information displayed by the display module 3 is accurate. The confirmation information can also be the confirmation information pre-set in the transaction server, and the transaction payment can only be carried out after the confirmation information is obtained during the user account registration or other processes. For example, the confirmation information can be a verification code. After the user confirms that the user information displayed by the display module 3 is accurate, the user can enter the verification code through the input module 4, and the transaction server compares and verifies the verification code with the pre-stored verification code. If the verification passes, it means that the confirmation information entered by the user is accurate and the information authentication passes.

[0090] More preferably, Figure 6-Figure 8 As shown, the composite authentication payment device 1 includes a main body and a main control module 2, a communication module 5, a display module 3, an input module 4 and a biometric collection module 6 arranged on the main body. The main control module 2 can receive a transaction payment instruction containing transaction payment information, collect the user's first biometric information through the biometric collection module 6, and transmit the first biometric information to the transaction server through the communication module 5 so that the transaction server authenticates the first biometric information. If the authentication is successful, the user information corresponding to the first biometric information is returned, the user information is received and fed back to the user through the display module 3 so that the user confirms the user information. If the confirmation is successful, the confirmation information input by the user through the input module 4 is received, a transaction payment request is formed according to the transaction payment information, and transmitted to the transaction server through the communication module 5 so that the transaction server completes the transaction deduction according to the transaction payment request. The input module 4 may include a numeric function keyboard, and the numeric function keyboard includes a plurality of keys 41. For example, Figure 3 and Figure 4As shown, in this specific example, the input module 4 includes a digital function keyboard composed of a plurality of keys 41, and the keys 41 can be divided into numeric keys (1-9, 0, 00, decimal point) and function keys (confirm, cancel, return). Each key 41 can form corresponding information based on the user's pressing operation, and can transmit the formed information to the main control module 2.

[0091] In a preferred embodiment, the first biometric information is fingerprint information, and the second biometric information is finger vein information.

[0092] It is understandable that biometrics is safer, more confidential and more convenient than traditional identification methods. Biometrics also have the advantages of being difficult to forget, good anti-counterfeiting performance, not easy to be forged or stolen, "carry" with you and available anytime and anywhere. Biometrics mainly refers to a technology for identity authentication through human biological characteristics. Human biological characteristics are usually unique, measurable or automatically identifiable and verifiable, hereditary or lifelong. Therefore, biometrics authentication technology has greater advantages than traditional authentication technology. The so-called biometrics is to use computers and optics, acoustics, biosensors and biostatistics principles and other high-tech means to closely combine the inherent physiological characteristics of the human body (such as fingerprints, faces, irises, etc.) and behavioral characteristics (such as handwriting, voice, gait, etc.) to identify personal identity.

[0093] Biometrics is the process of sampling biological features, extracting their unique biological features and converting them into digital codes, and further composing these codes into feature templates. As the cost of microprocessors and various electronic components continues to decline and the accuracy gradually increases, biometric systems are gradually being used in commercial authorization control such as access control, corporate attendance management systems, and consumer safety authentication. The biological features used for biometrics include hand shape, fingerprint, face shape, iris, retina, pulse, auricle, and veins, and behavioral features include signature, voice, keystroke strength, etc. Based on these features, a variety of biometric technologies have been developed, including hand shape recognition, fingerprint recognition, face recognition, pronunciation recognition, iris recognition, signature recognition, and vein recognition.

[0094] Because human characteristics are unique and cannot be copied, this biological key cannot be copied, stolen or forgotten. Using biometric technology for identity identification is safe, reliable and accurate. Common passwords, IC cards, bar codes, magnetic cards or keys have many disadvantages such as loss, forgetting, copying and theft. Therefore, with the use of biological "keys", you don't have to carry a bunch of keys, and you don't have to bother to remember or change passwords. And system administrators don't have to be helpless because of forgotten passwords. Biometric technology products are all realized with the help of modern computer technology, and it is easy to integrate with computers and security, monitoring and management systems to achieve automated management.

[0095] Specifically, for fingerprint recognition, there are many ways to achieve fingerprint recognition. Some of them compare local details of fingerprints; some directly recognize through all features; and some use more unique methods, such as the ripple edge pattern of fingerprints and ultrasound. Some devices can measure finger fingerprints instantly, while others cannot. Among all biometric technologies, fingerprint recognition is currently the most widely used one.

[0096] In addition, for biometric vein recognition, near-infrared is used to read the vein pattern, which is compared with the stored vein pattern to identify the user. The working principle is that the blood flowing in the human finger can absorb light of a specific wavelength, and by irradiating the finger with light of a specific wavelength, a clear image of the finger vein can be obtained. Using this inherent scientific feature, the acquired image will be analyzed and processed to obtain the biometric characteristics of the finger vein, and then the obtained finger vein characteristic information will be compared with the finger vein characteristics collected in advance to confirm the user's identity.

[0097] Vein recognition is to first obtain a personal vein distribution map through a vein recognition device, extract characteristic values ​​from the vein distribution map based on a special comparison algorithm, obtain images of veins in fingers, palms, and backs of hands through an infrared CCD camera, store the digital images of veins in a computer system, and store characteristic values. During vein comparison, the vein map is taken in real time to extract characteristic values, and advanced filtering, image binarization, and refinement methods are used to extract features from the digital image, which are compared with the vein characteristic values ​​stored in the host, and a complex matching algorithm is used to match the vein features, thereby identifying the individual and confirming the identity. Finger vein recognition technology belongs to liveness recognition technology. Non-living fingers cannot obtain vein image features. By identifying the information inside the finger, it cannot be copied or forged, and has high security and anti-counterfeiting properties.

[0098] In this preferred embodiment, the security and anti-counterfeiting characteristics of biometric identification are utilized to ensure the accuracy of user identity authentication through two biometric identification methods, fingerprint identification and finger vein identification, which can replace the user's bank card and password as a payment credential. It should be noted that in this embodiment, fingerprint identification and finger vein identification are used for identity authentication of transaction payment. In other embodiments, those skilled in the art can select other various biometric identification methods according to actual conditions, and the present invention does not limit this.

[0099] Specifically, in a preferred embodiment, the biometric feature collection module 6 may include a fingerprint collection module 61 and a finger vein collection module 62. When making a transaction payment, the main control module 2 of the payment device 1 may receive a transaction payment instruction sent by an external transaction terminal, and send a fingerprint collection instruction to the fingerprint collection module 61 according to the transaction payment instruction. After receiving the fingerprint collection instruction, the fingerprint collection module 61 starts fingerprint collection, collects the fingerprint of the user's finger to obtain the user's fingerprint information, and feeds the fingerprint information back to the main control module 2. The main control module 2 may further transmit the received user's fingerprint information to the communication module 5, and transmit the fingerprint information to the transaction server through the wired or wireless transmission mode of the communication module 5.

[0100] After receiving the fingerprint information of the user, the transaction server can compare the fingerprint information of the user with the fingerprint information stored in advance. If the comparison is successful, the user information corresponding to the fingerprint information of the user can be obtained and returned to the payment device 1. After receiving the user information transmitted by the transaction server, the communication module 5 of the payment device 1 forwards the user information to the main control module 2, and the main control module 2 can display the user information through the display module 3, so that the user can see the user information fed back by the transaction server through the display module 3 and confirm whether the user information is accurate. After confirming that the user information is accurate, the user can input confirmation information through the input module 4. The input module 4 forms the confirmation information based on the user's operation and transmits it to the main control module 2, and the main control module 2 can start the user's finger vein information collection process according to the confirmation information to perform secondary authentication. More preferably, the confirmation information is transmitted to the transaction server through the communication module 5 so that the transaction server verifies the confirmation information. If the verification is successful, it means that the confirmation information entered by the user is accurate. After the confirmation information is verified, the transaction server can feedback the information of successful authentication to the payment device 1. After receiving the authentication success information transmitted by the transaction server, the communication module 5 forwards it to the main control module 2. After receiving the authentication success information, the main control module 2 starts the user's finger vein information collection process.

[0101] When the main control module 2 starts the finger vein collection process of the user, the finger vein collection instruction is transmitted to the finger vein collection module 62. After receiving the finger vein collection instruction, the finger vein collection module 62 collects the finger vein information of the user, and then transmits the finger vein information to the main control module 2. The main control module 2 receives the finger vein information transmitted by the finger vein collection module 62 and transmits it to the transaction server through the communication module 5 so that the transaction server deducts the finger vein information for payment. The transaction server further compares the finger vein information with the pre-stored user finger vein information. If the comparison is successful, it means that the user identity verification has passed. After the identity verification passes, the transaction server can deduct the user account based on the transaction amount in the transaction payment instruction, and after the deduction is successful, the payment device 1 can feedback the result information of the successful deduction. The communication module 5 receives the deduction payment result information returned by the transaction server and forwards it to the main control module 2. After receiving the payment result information transmitted by the communication module 5, the main control module 2 can display the deduction payment result information through the display module 3.

[0102] In summary, in this preferred embodiment, the user's identity is verified by performing a triple authentication method of fingerprint information authentication, confirmation information authentication, and finger vein information authentication in sequence, and the accuracy of user identity authentication is ensured through a variety of biometric authentication and information authentication methods, ensuring the security of transaction payments, thereby protecting the user's property safety and preventing bank card fraud. At the same time, it also avoids the inconvenience of users having to carry bank cards and remember passwords, and improves user experience.

[0103] In a preferred embodiment, during the composite authentication payment process, a payment QR code can also be generated based on the transaction payment information, and the payment QR code can be transmitted to the display module 3 for display, so that the user can complete the transaction payment through QR code payment, and the user can complete the transaction payment through multiple payment methods, providing a multifunctional POS device.

[0104] It should be noted that the user information may include one or more of user name, account number, account type, account level, etc. In practical applications, other user information may be set according to actual conditions, and the present invention is not limited to this.

[0105] In a preferred embodiment, Figure 6-Figure 8 As shown, the display module 3 can be controlled by the payment device 1 to display user information to the user. More preferably, the display module 3 may include a liquid crystal display screen 31. The liquid crystal display screen 31 can display various information transmitted by the main control module 2 under the control of the main control module 2. In other embodiments, the display module 3 can also realize the display function through other structures, and the present invention is not limited to this.

[0106] Thus, in this preferred embodiment, the process of performing composite authentication payment through the payment device 1 is as follows: the main control module 2 forms a fingerprint collection instruction in response to the transaction payment instruction and transmits it to the fingerprint collection module 61, the fingerprint collection module 61 is used to receive the fingerprint collection instruction to collect the user's fingerprint information; the main control module 2 receives the user's fingerprint information transmitted by the fingerprint collection module 61 and transmits it to the transaction server through the communication module 5, receives the user information returned by the transaction server according to the user's fingerprint information, and transmits the user information to the display module 3 for display; the input module 4 receives the confirmation information input by the user based on the user information and transmits it to the main control module 2, the main control module 2 receives the confirmation information and transmits the finger vein collection instruction to the finger vein collection module 62; the finger vein collection module 62 receives the finger vein collection instruction to collect the user's finger vein information, the main control module 2 receives the finger vein information transmitted by the finger vein collection module 62 and transmits it to the transaction server through the communication module 5 so that the transaction server deducts the finger vein information for payment, receives the deduction payment result information returned by the transaction server, and displays the deduction payment result information through the display module 3.

[0107] In a preferred embodiment, the payment device 1 can exchange information with the transaction server through the communication module 5. More preferably, the communication module 5 includes an antenna 51 and a communication chip 52. The antenna 51 is used to receive the wireless signal sent by the transaction server to obtain wireless information, and transmit the wireless information to the communication chip 52, receive the wireless information transmitted by the communication chip 52 to obtain the corresponding wireless signal and send it; the communication chip 52 is used to receive the wireless information to obtain the corresponding transaction process information and then transmit it to the main control module 2, receive the transaction process information transmitted by the main control module 2 to form wireless information and transmit the wireless information to the antenna 51.

[0108] Specifically, the antenna 51 of the communication module 5 can exchange information with the transaction server in the form of wireless transmission, and send the information transmitted by the communication chip 52 in the form of radio waves. The transaction server can also be provided with a communication module 5. After the communication module 5 of the transaction server receives the radio waves emitted by the antenna 51 of the payment device 1, it forms a corresponding current signal and performs corresponding processing and conversion to obtain corresponding information. Similarly, the radio waves emitted by the transaction server through its communication module 5 are captured by the wireless of the payment device 1 to form a corresponding current signal, and the communication chip 52 outputs the corresponding information to the main control module 2 based on the current signal. Among them, the communication chip 52 can use a 2G, 3G, 4G or 5G communication chip 52.

[0109] Preferably, Figure 3 and Figure 4As shown, the body may include a housing 11 , and a storage slot matching the shape of the antenna 51 may be provided on the housing 11 , so that the antenna 51 can be rotatably stored in the storage slot, which is convenient for storage and arrangement of the payment device 1 .

[0110] In a preferred embodiment, Fig. 9 As shown, the S100 of collecting the first biometric information of the user specifically includes:

[0111] S110: A corresponding electrical signal is generated based on the fingerprint of the user's finger through the semiconductor component 612 of the biometric acquisition module 6, wherein the semiconductor component 612 includes an electrode array.

[0112] S120: Acquire the electrical signal formed by the semiconductor component 612 to obtain the fingerprint information of the user.

[0113] Specifically, in this preferred embodiment, the user's fingerprint information can be collected by the capacitance principle. In a specific example, the fingerprint collection module 61 may include a fingerprint collection chip 611, a semiconductor component 612 and a fingerprint recognition indicator 613. Among them, the semiconductor component 612 includes an electrode array, which forms a corresponding electrical signal based on the user's finger fingerprint; the collection chip is used to receive the fingerprint collection instruction transmitted by the main control module 2, start the semiconductor component 612 to collect fingerprint information, obtain the electrical signal formed by the semiconductor component 612 to obtain the user's fingerprint information, and control the fingerprint recognition indicator 613 to flash.

[0114] Among them, the semiconductor component 612 is mainly composed of capacitive semiconductor sensors, and thousands of semiconductor sensors are integrated on a "flat plate" to form an electrode array. The electrode array constitutes one side of the capacitor, and the user's finger is attached to the electrode array to constitute the other side of the capacitor. Since the finger plane is uneven, the actual distance between the convex point and the concave point contacting the sensor in the electrode array is different, and the formed capacitance value is also different, so that the current signal size formed by the circuit loop where different sensors in the electrode array are located is different, and different current signals are corresponded to different values, so that all current signals formed by the electrode array based on the user's finger fingerprint are collected by the fingerprint collection chip 611, and the current signal is converted into a value, and a fingerprint image in the form of a numerical array can be obtained, which can reflect the distribution characteristics of the user's fingerprint.

[0115] The fingerprint acquisition chip 611 can further perform the following preprocessing on the above-collected fingerprint image: including image quality judgment, image enhancement, fingerprint area detection, fingerprint direction map and frequency estimation, image binarization (setting the gray value of each pixel in the fingerprint image to 0 or 255) and image thinning. From the above-preprocessed image, the ridge data of the fingerprint can be obtained. From the above-mentioned ridge data of the fingerprint, the feature point information required for fingerprint recognition is extracted to obtain the user's fingerprint information. The fingerprint acquisition chip 611 can transmit the above-mentioned fingerprint information to the main control module 2. The main control module 2 can transmit the fingerprint information to the transaction server through the communication module 5. The transaction server matches the fingerprint information with the fingerprint information of all users pre-stored in the database one by one, and determines whether there is fingerprint information in the database that is the same as the fingerprint information collected by the fingerprint acquisition module 61.

[0116] The fingerprint identification indicator light 613 may be a monochrome light emitting diode. The fingerprint identification indicator light 613 is turned on or off by the fingerprint collection chip 611. Specifically, in this preferred embodiment, when collecting fingerprint information, the fingerprint collection chip 611 controls the fingerprint identification indicator light 613 to flash to prompt the user to collect fingerprints. It continues to flash during the user fingerprint information collection process. After the collection is completed, the fingerprint collection chip 611 controls the fingerprint identification indicator light 613 to turn off and keep it in a normally closed state.

[0117] In a preferred embodiment, Fig.10 As shown, the step S220 of collecting the second biometric information of the user specifically includes:

[0118] S221: The infrared module 623 of the biometric feature acquisition module 6 emits infrared light to illuminate the finger of the user placed in the finger groove 622 with the infrared light.

[0119] S222: The imaging module 624 of the biometric feature acquisition module 6 acquires an image of the vein pattern of the finger under infrared light.

[0120] S223: Obtaining the user's finger vein information according to the vein pattern image.

[0121] Specifically, in a specific example, the finger vein acquisition module 62 includes a finger vein acquisition chip 621, a finger groove 622, an infrared module 623, an imaging module 624 and a finger vein recognition indicator 625. The finger groove 622 includes a bottom surface and a side wall, the side wall is provided with the infrared module 623, and the bottom surface is provided with the imaging module 624; the infrared module 623 is used to emit infrared light to irradiate the finger of the user placed in the finger groove 622 with infrared light; the imaging module 624 is used to collect the vein pattern image of the finger under the infrared light irradiation. The finger vein acquisition chip 621 is used to receive the finger vein acquisition instruction transmitted by the main control module 2, start the infrared module 623 and the imaging module 624 to collect finger vein information, receive the vein pattern image transmitted by the imaging module 624 to obtain the user's finger vein information, and control the finger vein recognition indicator 625 to flash. The imaging module 624 can preferably use a CCD camera.

[0122] Specifically, the finger vein acquisition module 62 irradiates the user's finger with near-infrared light through the infrared module 623, and uses the CCD camera to obtain the vein pattern image of the finger vein. The finger groove 622 can guide the user to place the finger to be collected. The finger groove 622 includes a bottom surface and a side wall, the side wall is provided with the infrared module 623, and the bottom surface is provided with the imaging module 624. When the user's finger is placed on the finger groove 622, the infrared module 623 on the side wall of the finger groove 622 emits near-infrared light to penetrate the finger, and the CCD camera on the side wall of the finger groove 622 shoots the finger under the near-infrared light to obtain the vein pattern image of the user's finger, thereby completing the acquisition of the finger vein image.

[0123] The finger vein acquisition chip 621 is responsible for finger vein recognition. Specifically, it uses advanced filtering, image binarization, and refinement methods to extract features from the digital image to extract the feature value information required for finger vein recognition, that is, finger vein information. The finger vein acquisition chip 621 can transmit the above-mentioned finger vein information to the main control module 2. The main control module 2 can transmit the finger vein information to the transaction server through the communication module 5. The transaction server matches the finger vein information with the finger vein information of all users stored in the database one by one, and determines whether there is finger vein information in the database that is the same as the finger vein information collected by the finger vein acquisition module 62. If the same pre-stored finger vein information is obtained, the identity of the user can be determined based on the pre-stored finger vein information.

[0124] Preferably, the finger vein identification indicator light 625 can be a monochrome light emitting diode, and the finger vein identification indicator light 625 can be turned on and off under the control of the finger vein collection chip 621. Specifically, in this preferred embodiment, when collecting finger vein information, the finger vein collection chip 621 controls the finger vein identification indicator light 625 to flash to prompt the user to collect finger vein information, and the finger vein identification indicator light 625 continues to flash during the user's finger vein information collection process. After the collection is completed, the finger vein collection chip 621 controls the finger vein identification indicator light 625 to turn off and keep it in a normally closed state.

[0125] In a preferred embodiment, Fig.11 As shown, the method further includes S500:

[0126] S510: When collecting the first biometric information or the second biometric information, the rotating component 72 is controlled to rotate under the action of the driving torque of the driving component and drive the cover 71 to expose the biometric collection module 6, wherein the cover 71 is arranged above the biometric collection module 6 and is connected to the main body through the rotating component 72.

[0127] S520: After the first biometric characteristic information or the second biometric characteristic information is collected, the rotating component 72 is controlled to rotate under the driving torque of the driving component and drive the cover plate 71 to cover the biometric characteristic collection module 6.

[0128] Specifically, in a specific example, a dustproof component 7 is provided on the payment device 1, and the main control module 2 in the payment device 1 is further used to control the dustproof component 7 to rotate relative to the main body so that the dustproof component 7 covers or exposes the biometric feature collection module 6.

[0129] The dustproof assembly 7 includes a cover plate 71, a rotating assembly 72 and a driving assembly. The cover plate 71 is arranged above the biometric feature collection module 6 and connected to the body through the rotating assembly 72. The rotating assembly 72 rotates under the driving torque of the driving assembly and drives the cover plate 71 to cover or expose the biometric feature collection module 6.

[0130] Specifically, Figure 6-Figure 8As shown, the dustproof component 7 includes a cover plate 71, a rotating component 72 and a driving component, which can effectively protect the exposed sensors and cameras of the fingerprint collection module 61 and the finger vein collection module 62 from dust pollution and scratches in the external environment. Among them, the cover plate 71 is arranged above the biometric collection module 6, and the cover plate 71 is connected to the payment device 1 body through the rotating component 72. The driving component connected to the rotating component 72 can apply a driving torque to the rotating component 72, and the rotating component 72 rotates under the action of the driving torque, thereby driving the cover plate 71 connected to the rotating component 72 to rotate. The driving component can realize the rotation of the cover plate 71 in different directions by changing the direction of the driving torque applied to the rotating component 72. When the biometric collection module 6 is not working, the default position of the cover plate 71 can be set to a position covering the biometric collection module 6. When the biometric collection module 6 collects the user's biometric information under the control of the main control module 2, the main control module 2 can control the drive component to start, so that the drive component applies a driving torque in a first rotation direction to the rotating component 72, so that the rotating component 72 rotates under the action of the driving torque and drives the cover 71 to rotate in a direction away from the biometric collection module 6 to expose the biometric collection module 6, so that the biometric collection module 6 can collect the user's biometric information. For example, when the biometric collection module 6 includes a fingerprint collection module 61 and a finger vein collection module 62, the cover 71 is opened to allow the user to place a finger on the fingerprint collection module 61 or the finger vein collection module 62 to collect biometric information.

[0131] When the biometric collection module 6 has completed collection, the main control module 2 can control the drive component to start, so that the drive component applies a driving torque in a second rotation direction to the rotating component 72, so that the rotating component 72 rotates under the action of the driving torque and drives the cover plate 71 to rotate toward the direction close to the biometric collection module 6 to re-cover the biometric collection module 6, so as to protect the biometric collection module 6 when the biometric collection module 6 is not started.

[0132] In a preferred embodiment, Fig.12 As shown, the step S500 of controlling the rotating assembly 72 to rotate under the driving torque of the driving assembly specifically includes:

[0133] S531: Control the rocker arm to rotate under the action of the driving torque output by the driving assembly to drive the cover plate 71 fixed at one end of the rocker arm to rotate, wherein one end of the rocker arm is fixedly connected to the cover plate 71, and the other end of the rocker arm is fixedly connected to the driving assembly.

[0134] Specifically, Figure 13-Figure 16As shown, in this specific example, the rotating assembly 72 includes at least one rocker arm. One end of the rocker arm is fixedly connected to the cover plate 71, and the other end of the rocker arm is fixedly connected to the driving assembly. The rocker arm rotates under the action of the driving torque output by the driving assembly to drive the cover plate 71 fixed at one end of the rocker arm to rotate.

[0135] Specifically, in Figure 13-Figure 16 In the specific example shown, the body may include a housing 11, and the rotating assembly 72 includes a first rocker arm 721 and a second rocker arm 722. The first ends of the first rocker arm 721 and the second rocker arm 722 are respectively connected to the driving assembly, and the second ends are respectively connected to the cover plate 71. The first rocker arm 721 and the second rocker arm 722 may be respectively arranged on both sides of the cover plate 71. A dustproof sealing strip 12 may further be arranged on the edge of the cover plate 71. When the cover plate 71 covers the biometric feature collection module 6, the dustproof sealing strip 12 is in close contact with the housing 11, so as to prevent dust from contacting the biometric feature collection module 6.

[0136] In a preferred embodiment, the cover plate 71 can be configured as a semi-transparent frosted organic glass, which is convenient for checking the internal conditions of the identification unit.

[0137] In a preferred embodiment, Fig.17 As shown, the S500 controls the rocker arm to rotate under the action of the driving torque output by the driving assembly, specifically including:

[0138] S532: Control the power output shaft of the driving motor 73 to rotate to drive the gear set 74 to rotate, and the rotation of the gear set 74 drives the rocker arm to rotate, wherein the driving assembly includes a driving motor 73 and a gear set 74, and the gear set 74 is connected to the other end of the rocker arm.

[0139] Specifically, the driving assembly includes a driving motor 73 and a gear set 74, and the gear set 74 is connected to the other end of the rocker arm. The driving motor 73 is started under the control of the main control module 2, and the power output shaft of the driving motor 73 rotates to drive the gear set 74 to rotate, and the rotation of the gear set 74 drives the rocker arm to rotate.

[0140] Specifically, the driving torque of the driving motor 73 can be output to the gear set 74 through the power output shaft, and then transmitted to the rocker arm of the rotating assembly 72 through the gear set 74, so as to drive the rocker arm to rotate. In a specific example, the gear set 74 includes a driving gear 741 and a driven gear 742, and the driving gear 741 and the driven gear 742 are meshed. Further, the first end of the rocker arm can be relatively fixedly connected to the driven gear 742 through the rotating shaft 76, so that the power output shaft of the driving motor 73 is coaxially connected with the rotating shaft of the driving gear 741. Then, the power output shaft of the driving motor 73 drives the driving gear 741 to rotate, the driving gear 741 rotates to drive the driven gear 742 to rotate, and the driven gear 742 rotates to drive the rocker arm thereon to rotate, and the forward or reverse rotation of the motor can respectively open or close the cover 71.

[0141] It should be noted that, in this specific example, the gear set 74 includes a driving gear 741 and a driven gear 742. In practical applications, the gear set 74 may also include other numbers of gears. In addition, the number of teeth of the gears may be set to different and appropriate numbers of teeth, so that the rotation of the rocker arm is reduced to a suitable speed, thereby realizing the slow opening and closing of the dust cover 71.

[0142] The present invention is further described below by a specific example. Fig.18 As shown, the composite authentication payment method includes:

[0143] Step 201: The payment device 1 is started and can accept transaction payment information.

[0144] Step 202: The merchant enters transaction information, including transaction amount and other information, and presses the confirmation key to confirm the transaction payment information, which is transmitted to the payment device 1.

[0145] Step 203: the payment device 1 starts fingerprint authentication, opens the dust cover 71, lights up the fingerprint recognition indicator 613, and prompts the customer to collect fingerprints on the display screen 31.

[0146] Step 204: the payment device 1 collects the customer's fingerprint and extracts the feature code to form fingerprint information, which is then encrypted and transmitted to the transaction server.

[0147] Step 205: The transaction server performs fingerprint information matching in the fingerprint storage library.

[0148] Step 206: Whether the fingerprint pairing is successful, if successful, execute step 207, if unsuccessful, execute step 216.

[0149] Step 207: According to the customer identification corresponding to the fingerprint information of the successful authentication and pairing, the reserved user information of the corresponding customer is retrieved from the reserved information storage repository, and the reserved user information is encrypted and then transmitted back to the payment device 1.

[0150] Step 208: The payment device 1 decrypts and displays the reserved user information, and the customer performs authentication.

[0151] Step 209: Check whether the reserved user information is correct. If it is correct, execute step 210; if it is wrong, execute step 217.

[0152] Step 210: After the customer determines that the reserved user information is correct, he / she chooses to continue authentication, and the payment device 1 starts finger vein authentication, lights up the finger vein recognition indicator 625, and prompts the customer to collect the finger vein on the display screen 31.

[0153] Step 211: the payment device 1 collects the customer's finger veins and extracts the feature code to obtain the finger vein information, which is then encrypted and transmitted to the transaction server.

[0154] Step 212: The transaction server performs finger vein information matching in the finger vein storage library. After the finger vein matching is successful, it is also determined whether the customer identification corresponding to the matched finger vein is consistent with the customer identification corresponding to the matched fingerprint.

[0155] Step 213: Check whether the finger vein pairing is successful. If successful, execute step 214; if unsuccessful, execute step 218.

[0156] Step 214: the transaction server retrieves the bank card information of the corresponding customer from the card information repository according to the corresponding customer identifier, performs a deduction operation, and returns the transaction result to the payment device 1 .

[0157] Step 215: The payment device 1 displays the transaction result information and completes the transaction.

[0158] Step 216: the transaction server returns a prompt message indicating that fingerprint pairing is unsuccessful to the payment device 1 and terminates the transaction, and then executes step 201.

[0159] Step 217: After the customer determines that the reserved information is incorrect, he presses the cancel key to cancel the transaction and executes step 201.

[0160] Step 218: the transaction server returns a prompt message indicating that the finger vein pairing is unsuccessful to the payment device 1 and terminates the transaction, and then executes step 201.

[0161] In summary, the present invention solves the inconvenience of consumers carrying bank cards and entering passwords through biometric authentication, and enables consumers to accurately identify the legitimacy of POS transaction devices through composite authentication and interactive authentication technologies, creating safer and more convenient financial services for consumers and continuously improving customer experience. On the other hand, by taking dust-proof measures, the sensor of the payment device 1 is well protected, extending the service life of the device and reducing the failure rate.

[0162] Based on the same principle, this embodiment also discloses a composite authentication payment method. Fig.19 As shown, in this embodiment, the method includes:

[0163] S610: Receive first biometric characteristic information transmitted by the payment device 1, where the first biometric characteristic information is obtained by the payment device 1 receiving a transaction payment instruction including transaction payment information and collecting the first biometric characteristic information of the user.

[0164] S620: Authenticate the first biometric information. If the authentication is successful, determine the user information corresponding to the first biometric information and send the user information to the payment device 1 so that the payment device 1 feeds back the user information to the user so that the user confirms the user information. If the confirmation is successful, receive the confirmation information entered by the user and form a transaction payment request based on the transaction payment information.

[0165] S630: Receive the payment request transmitted by the payment device 1, and complete the transaction deduction according to the transaction payment request.

[0166] The composite authentication payment method of the present invention receives the first biometric information transmitted by the payment device 1, and the first biometric information is obtained by the payment device 1 receiving the transaction payment instruction containing the transaction payment information and collecting the first biometric information of the user. The first biometric information is authenticated. If the authentication is successful, the user information corresponding to the first biometric information is determined and the user information is sent to the payment device 1 so that the payment device 1 feeds back the user information to the user so that the user confirms the user information. If the confirmation is successful, the confirmation information input by the user is received, and a transaction payment request is formed according to the transaction payment information. The payment request transmitted by the payment device 1 is received, and the transaction deduction is completed according to the transaction payment request. That is, the present invention authenticates the user identity through the interactive authentication method of biometric identification and confirmation information to complete offline payment, solves the inconvenience caused by consumers needing to carry bank cards for payment and needing to enter passwords, provides users with safer and more convenient transaction payment services, and improves user experience.

[0167] In a preferred embodiment, Fig. 20 As shown, the method further comprises, before receiving the payment request transmitted by the payment device 1:

[0168] S621: Receive second biometric characteristic information transmitted by the payment device 1 , where the second biometric characteristic information is obtained by the payment device 1 collecting the second biometric characteristic information of the user.

[0169] S622: Authenticate the second biometric information. If the authentication is successful, return authentication success information to the payment device 1 so that the payment device 1 forms a transaction payment request according to the transaction payment information.

[0170] In a preferred embodiment, Fig.21 As shown, the method further comprises, before receiving the payment request transmitted by the payment device 1:

[0171] S631: Receive confirmation information transmitted by the payment device 1.

[0172] S632: Verify the confirmation information. If the verification is successful, return verification success information to the payment device 1 so that the payment device 1 forms a transaction payment request according to the transaction payment information.

[0173] Since the principle of solving the problem by this method is similar to that of the above method, the implementation of this method can refer to the implementation of the method, which will not be repeated here.

[0174] Based on the same principle, this embodiment also discloses a composite authentication payment device 1. Fig. 22 As shown, the composite authentication payment device 1 includes a main control module 2. The main control module 2 may include an information collection module 11, an information confirmation module 12 and a transaction payment module 13.

[0175] Among them, the information collection module 11 is used to receive a transaction payment instruction containing transaction payment information, collect the user's first biometric information, and transmit the first biometric information to the transaction server so that the transaction server can authenticate the first biometric information. If the authentication is successful, the user information corresponding to the first biometric information is returned.

[0176] The information confirmation module 12 is used to receive the user information and feed it back to the user so that the user can confirm the user information. If the confirmation is successful, the confirmation information input by the user is received.

[0177] The transaction payment module 13 is used to form a transaction payment request according to the transaction payment information and transmit it to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request.

[0178] Since the principle of solving the problem by the device is similar to that of the above method, the implementation of the device can refer to the implementation of the method and will not be repeated here.

[0179] In a preferred implementation, this embodiment also discloses a transaction server. Fig.23 As shown, the server includes an information receiving module 21, an information verification module 22 and a transaction deduction module 23.

[0180] The information receiving module 21 is used to receive the first biometric information transmitted by the payment device 1 , where the first biometric information is obtained by the payment device 1 receiving a transaction payment instruction containing transaction payment information and collecting the first biometric information of the user.

[0181] The information verification module 22 is used to authenticate the first biometric information. If the authentication is successful, the user information corresponding to the first biometric information is determined and the user information is sent to the payment device 1 so that the payment device 1 feeds back the user information to the user so that the user confirms the user information. If the confirmation is successful, the confirmation information entered by the user is received, and a transaction payment request is formed according to the transaction payment information.

[0182] The transaction deduction module 23 is used to receive the payment request transmitted by the payment device 1 and complete the transaction deduction according to the transaction payment request.

[0183] Since the principle of solving the problem by this server is similar to that of the above method, the implementation of this server can refer to the implementation of the method and will not be repeated here.

[0184] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer device, and specifically, the computer device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0185] In a typical example, a computer device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the method described above is implemented when the processor executes the program.

[0186] Reference below Fig.24 , which shows a schematic diagram of the structure of a computer device 600 suitable for implementing an embodiment of the present application.

[0187] like Fig.24As shown, the computer device 600 includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 to a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0188] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal feedback device (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0189] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer program product, which includes a computer program tangibly contained on a machine-readable medium, and the computer program includes program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 609, and / or installed from the removable medium 611.

[0190] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0191] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0192] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0193] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0194] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0195] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0196] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0197] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0198] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0199] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A composite authentication payment method, characterized in that: include: receiving a transaction payment instruction including transaction payment information, collecting first biometric information of a user, and transmitting the first biometric information to the transaction server so that the transaction server authenticates the first biometric information, and if the authentication is successful, returning user information corresponding to the first biometric information; Receive the user information and feed it back to the user so that the user can confirm the user information. If the confirmation is successful, receive confirmation information input by the user; Collecting the second biometric information of the user, and transmitting the second biometric information to the transaction server so that the transaction server authenticates the second biometric information, and if the authentication is successful, returning authentication success information to form a transaction payment request according to the transaction payment information; Forming a transaction payment request according to the transaction payment information and transmitting the request to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request; The collecting of the second biometric information of the user specifically includes: Determine whether the transaction payment information meets the preset conditions, and if so, collect the user's second biometric information; The preset conditions include transaction financial thresholds and transaction object conditions.

2. The composite authentication payment method according to claim 1, characterized in that: Further comprising, after receiving the confirmation information input by the user: The confirmation information is sent to the transaction server so that the transaction server verifies the confirmation information. If the verification is successful, the verification pass information is returned to form a transaction payment request according to the transaction payment information.

3. The composite authentication payment method according to claim 1, characterized in that: The first biometric characteristic information is fingerprint information, and the second biometric characteristic information is finger vein information.

4. The composite authentication payment method according to claim 3, characterized in that: The collecting of the user's first biometric information specifically includes: The semiconductor component of the biometric acquisition module generates a corresponding electrical signal based on the fingerprint of the user's finger, wherein the semiconductor component includes an electrode array; The electrical signal formed by the semiconductor component is acquired to obtain the fingerprint information of the user.

5. The composite authentication payment method according to claim 3, characterized in that: The collecting of the second biometric information of the user specifically includes: The infrared module of the biometric feature acquisition module emits infrared light to illuminate the finger of the user placed in the finger groove; The imaging module of the biometric feature acquisition module acquires the vein pattern image of the finger under infrared light; The user's finger vein information is obtained according to the vein pattern image.

6. The composite authentication payment method according to claim 5, characterized in that: Further including: When collecting the first biometric characteristic information or the second biometric characteristic information, controlling the rotating assembly to rotate under the driving torque of the driving assembly and driving the cover plate to expose the biometric characteristic collection module, wherein the cover plate is arranged above the biometric characteristic collection module and connected to the payment device body through the rotating assembly; When the first biometric characteristic information or the second biometric characteristic information is collected, the rotating component is controlled to rotate under the action of the driving torque of the driving component and drives the cover plate to cover the biometric characteristic collection module.

7. The composite authentication payment method according to claim 6, characterized in that: The controlling the rotating assembly to rotate under the driving torque of the driving assembly specifically includes: The control rocker arm rotates under the action of the driving torque output by the driving assembly to drive the cover plate fixed at one end of the rocker arm to rotate, wherein one end of the rocker arm is fixedly connected to the cover plate, and the other end of the rocker arm is fixedly connected to the driving assembly.

8. The composite authentication payment method according to claim 7, characterized in that: The control rocker arm rotates under the action of the driving torque output by the driving component specifically includes: The power output shaft of the control driving motor rotates to drive the gear set to rotate, and the rotation of the gear set drives the rocker arm to rotate, wherein the driving assembly includes a driving motor and a gear set, and the gear set is connected to the other end of the rocker arm.

9. A composite authentication payment method, characterized in that: include: Receiving first biometric characteristic information transmitted by a payment device, where the first biometric characteristic information is obtained by the payment device receiving a transaction payment instruction containing transaction payment information and collecting the first biometric characteristic information of the user; Authenticating the first biometric information, if the authentication is successful, determining user information corresponding to the first biometric information and sending the user information to the payment device so that the payment device feeds back the user information to the user so that the user confirms the user information, if the confirmation is successful, receiving confirmation information input by the user, and forming a transaction payment request according to the transaction payment information; Receiving the second biometric information transmitted by the payment device; the second biometric information is obtained by the payment device collecting the second biometric information of the user, including: the payment device determines whether the transaction payment information meets the preset conditions, and if so, collects the second biometric information of the user; The preset conditions include transaction financial thresholds and transaction object conditions; authenticating the second biometric information, and if the authentication is successful, returning authentication success information to the payment device so that the payment device forms a transaction payment request according to the transaction payment information; The payment request transmitted by the payment device is received, and transaction deduction is completed according to the transaction payment request.

10. The composite authentication payment method according to claim 9, characterized in that: The method further comprises, before receiving the payment request transmitted by the payment device: receiving confirmation information transmitted by the payment device; The confirmation information is verified, and if the verification is successful, verification success information is returned to the payment device so that the payment device forms a transaction payment request according to the transaction payment information.

11. A composite authentication payment device, used to implement the composite authentication payment method according to any one of claims 1 to 8, characterized in that: include; An information collection module, used to receive a transaction payment instruction including transaction payment information, collect first biometric information of a user, and transmit the first biometric information to the transaction server so that the transaction server authenticates the first biometric information, and if the authentication is successful, return user information corresponding to the first biometric information; An information confirmation module is used to receive the user information and feed it back to the user so that the user can confirm the user information. If the confirmation is passed, the confirmation information input by the user is received; The transaction payment module is used to form a transaction payment request according to the transaction payment information and transmit it to the transaction server so that the transaction server completes the transaction deduction according to the transaction payment request.

12. A transaction server, used to implement the composite authentication payment method according to any one of claims 9 to 10, characterized in that: include: An information receiving module, configured to receive first biometric characteristic information transmitted by a payment device, wherein the first biometric characteristic information is obtained by the payment device receiving a transaction payment instruction containing transaction payment information and collecting the first biometric characteristic information of the user; an information verification module, configured to authenticate the first biometric information, and if the authentication is successful, determine the user information corresponding to the first biometric information and send the user information to the payment device so that the payment device feeds the user information back to the user so that the user confirms the user information, and if the confirmation is successful, receive confirmation information input by the user, and form a transaction payment request according to the transaction payment information; The transaction deduction module is used to receive the payment request transmitted by the payment device and complete the transaction deduction according to the transaction payment request.

13. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 10 is implemented.

14. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

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