Biometric identification terminal, user terminal, payment server and related methods

Abstract

The present invention relates to a payment method applied to a biometric identification terminal, the method comprising: obtaining first biometric information of a user; receiving a user unique ID corresponding to the user, the user unique ID being dynamically changed; and after determining that the first biometric information is consistent with the biometric information corresponding to the user unique ID pre-stored on a payment server, sending a payment request to the payment server to complete the payment process. The present invention also relates to a biometric identification terminal, a user terminal, a payment server, a computer storage medium, and a payment method applied to the user terminal or the payment server.

Description

Technical Field

[0001] The present invention relates to the field of payment verification, and more specifically, to a biometric identification terminal, a user terminal, a payment server, a payment method applied to the above terminal or server, and a computer storage medium. Background Art

[0002] With the rapid development of emerging technologies such as artificial intelligence, cloud computing, big data, the Internet of Things, and 5G, all industries have ushered in new opportunities and challenges. In the payment industry, industry participants are seeking a new payment method to replace the current mobile phone QR code\barcode payment and improve the payment experience. Taking the leading participants in the payment industry as an example, Alibaba, Tencent, UnionPay and others have responded to user needs and launched "face payment" in order to compete for the payment market in the era of emerging technologies in a timely manner and consolidate their position in the payment industry.

[0003] At present, there is still much room for improvement in the payment experience of "face-scanning payment". For example, after the payee scans his face, he still needs to manually enter the payment password for secondary verification to complete the entire payment process, which causes certain inconvenience to the payee. Therefore, how to improve the payment experience of "face-scanning payment", solve the problem of manual secondary verification, and at the same time ensure the payment security of "face-scanning payment" and the financial security of the payee have become difficulties and challenges that need to be solved urgently. Summary of the invention

[0004] According to one aspect of the present invention, there is provided a payment method applied to a biometric identification terminal, the method comprising: acquiring first biometric information of a user; receiving a user unique ID corresponding to the user, the user unique ID changing dynamically; and after determining that the first biometric information is consistent with biometric information corresponding to the user unique ID pre-stored on a payment server, sending a payment request to the payment server to complete the payment process.

[0005] As a supplement or alternative to the above solution, in the above method, before obtaining the user's first biometric information, it also includes: scanning the goods purchased by the user and entering the specific information of the goods; and generating a payment bill based on the entered specific information of the goods and displaying it to the user.

[0006] As a supplement or alternative to the above solution, in the above method, obtaining the user's first biometric information includes: after the user confirms the payment bill, entering the user's first biometric information through a sensor installed on the biometric identification terminal.

[0007] As a supplement or alternative to the above-mentioned scheme, in the above-mentioned method, receiving a user unique ID corresponding to the user includes: based on short-range communication technology, sending a user unique ID request to a user terminal within a certain range of the biometric identification terminal; and receiving the user unique ID from the user terminal.

[0008] As a supplement or alternative to the above-mentioned scheme, the above-mentioned method also includes: after receiving the user unique ID, requesting biometric information corresponding to the user unique ID from the payment server; receiving the biometric information from the payment server; and comparing the received biometric information with the first biometric information.

[0009] As a supplement or alternative to the above-mentioned scheme, the above-mentioned method also includes: after receiving the user unique ID, sending the first biometric information and the user unique ID to the payment server; and receiving from the payment server a comparison result of the biometric information corresponding to the user unique ID and the first biometric information.

[0010] As a supplement or alternative to the above solution, in the above method, the payment request includes the payment amount and the user unique ID.

[0011] As a supplement or alternative to the above-mentioned scheme, in the above-mentioned method, receiving a user unique ID corresponding to the user includes: requesting the payment server for a user unique ID corresponding to a user terminal located within a certain range of the biometric identification terminal; and receiving the user unique ID from the payment server.

[0012] As a supplement or alternative to the above solution, in the above method, the first biometric information or the biometric information corresponding to the user's unique ID includes one or more of facial features, fingerprints, palm prints, voice prints, irises, and palm veins.

[0013] According to another aspect of the present invention, a biometric identification terminal is provided, which includes: an acquisition device for acquiring first biometric information of a user; a first receiving device for receiving a user unique ID corresponding to the user, wherein the user unique ID changes dynamically; and a first sending device for sending a payment request to the payment server to complete the payment process after determining that the first biometric information is consistent with the biometric information corresponding to the user unique ID pre-stored on the payment server.

[0014] As a supplement or replacement for the above solution, the terminal also includes: a scanning device for scanning the goods purchased by the user and entering the specific information of the goods; and a generating device for generating a payment bill based on the entered specific information of the goods and displaying it to the user.

[0015] As a supplement or alternative to the above solution, in the above terminal, the acquisition device is configured to enter the first biometric information of the user through a sensor installed on the biometric identification terminal after the user confirms the payment bill.

[0016] As a supplement or alternative to the above scheme, in the above terminal, the first receiving device is configured to: send a user unique ID request to a user terminal within a certain range of the biometric identification terminal based on short-range communication technology; and receive the user unique ID from the user terminal.

[0017] As a supplement or alternative to the above-mentioned scheme, the above-mentioned terminal also includes: a requesting device, which is used to request the biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID; a second receiving device, which is used to receive the biometric information from the payment server; and a first comparing device, which is used to compare the received biometric information with the first biometric information.

[0018] As a supplement or alternative to the above-mentioned scheme, the above-mentioned terminal also includes: a second sending device, used to send the first biometric information and the user unique ID to the payment server after receiving the user unique ID; and a third receiving device, used to receive from the payment server a comparison result of the biometric information corresponding to the user unique ID and the first biometric information.

[0019] As a supplement or alternative to the above solution, in the above terminal, the payment request includes the payment amount and the user unique ID.

[0020] As a supplement or alternative to the above solution, in the above terminal, the first receiving device is configured to: request the payment server for a user unique ID corresponding to a user terminal located within a certain range of the biometric identification terminal; and receive the user unique ID from the payment server.

[0021] As a supplement or alternative to the above solution, in the above terminal, the first biometric information or the biometric information corresponding to the user's unique ID includes one or more of facial features, fingerprints, palm prints, voice prints, irises, and palm veins.

[0022] According to another aspect of the present invention, a payment method applied to a user terminal is provided, the method comprising: receiving a user unique ID request from a biometric identification terminal; requesting a user unique ID corresponding to a currently logged-in account from a payment server; and sending the user unique ID to the biometric identification terminal, wherein the user unique ID changes dynamically.

[0023] As a supplement or alternative to the above solution, the above method also includes: entering the user's biometric information; and uploading the biometric information to the payment server.

[0024] According to another aspect of the present invention, a user terminal is provided, comprising: a receiving unit for receiving a user unique ID request from a biometric identification terminal; a requesting unit for requesting a user unique ID corresponding to a currently logged-in account from a payment server; and a sending unit for sending the user unique ID to the biometric identification terminal, wherein the user unique ID changes dynamically.

[0025] As a supplement or replacement for the above solution, the above user terminal also includes: an input unit for inputting the user's biometric information; and an upload unit for uploading the biometric information to the payment server.

[0026] According to another aspect of the present invention, a payment method applied to a payment server is provided, the method comprising: receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal; generating a user unique ID corresponding to the current login account, the user unique ID changing dynamically; and sending the user unique ID to the user terminal.

[0027] As a supplement or replacement for the above solution, the above method also includes: saving the mapping relationship between the current login account and the user unique ID during the validity period.

[0028] As a supplement or alternative to the above-mentioned scheme, in the above-mentioned method, generating a user unique ID corresponding to the current login account includes: using time plus a random code to generate a user unique ID; searching from the saved mapping relationship whether the user unique ID already exists; and if so, regenerating the user unique ID, otherwise the user unique ID generation is valid.

[0029] As a supplement or replacement for the above solution, the above method also includes: receiving the user unique ID from a biometric identification terminal; and sending the biometric information corresponding to the user unique ID to the biometric identification terminal.

[0030] As a supplement or alternative to the above-mentioned scheme, the above-mentioned method also includes: receiving a payment request from a biometric identification terminal; preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring institution; receiving a payment result from the acquiring institution and returning it to the biometric identification terminal.

[0031] According to another aspect of the present invention, a payment server is provided, comprising: a first receiving device for receiving a user unique ID request from a user terminal, the user unique ID request including a current login account of the user terminal; a generating device for generating a user unique ID corresponding to the current login account, the user unique ID changing dynamically; and a first sending device for sending the user unique ID to the user terminal.

[0032] As a supplement or replacement for the above solution, the above payment server also includes: a storage device, which is used to store the mapping relationship between the current login account and the user unique ID within a validity period.

[0033] As a supplement or alternative to the above-mentioned scheme, in the above-mentioned payment server, the generating device is configured to: use time plus a random code to generate a user unique ID; search from the saved mapping relationship whether the user unique ID already exists; and if so, regenerate the user unique ID, otherwise the user unique ID generation is valid.

[0034] As a supplement or alternative to the above solution, the above payment server may also include: a second receiving device for receiving the user unique ID from the biometric identification terminal; and a second sending device for sending the biometric information corresponding to the user unique ID to the biometric identification terminal.

[0035] As a supplement or replacement for the above-mentioned scheme, the above-mentioned payment server may also include: a third receiving device, used to receive a payment request from a biometric identification terminal; a preprocessing device, used to preprocess the payment request and forward the preprocessed payment request to a corresponding acquiring institution; a fourth receiving device, used to receive a payment result from the acquiring institution and return it to the biometric identification terminal.

[0036] According to yet another aspect of the present invention, a computer storage medium is provided, wherein the medium includes instructions, and the instructions execute the above method when executed.

[0037] Various payment verification schemes of the embodiments of the present invention can be used to "verify" the user (without the need for the user to enter a payment password) by comparing the first biometric information identified by the biometric identification terminal with the biometric information corresponding to the user's unique ID (the user's unique ID is dynamically changing, not fixed) pre-stored on the payment server, thereby safely completing the entire payment process. This greatly improves the user's payment experience while ensuring payment security. In addition, the payment verification scheme of one or more embodiments of the present invention involves the biometric identification terminal receiving the user's unique ID (directly or indirectly) from a user terminal near the biometric identification terminal (i.e., within a certain range) based on short-range communication technology (including but not limited to NFC), and performing subsequent biometric verification based on the dynamically changing user's unique ID, further ensuring the security and convenience of payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The above and other objects and advantages of the present invention will become more fully apparent from the following detailed description taken in conjunction with the accompanying drawings, wherein the same or similar elements are denoted by the same reference numerals.

[0039] Figure 1 A schematic diagram showing a flow chart of a payment method applied to a biometric identification terminal according to an embodiment of the present invention;

[0040] Figure 2 A schematic diagram of the structure of a biometric identification terminal according to an embodiment of the present invention is shown;

[0041] Figure 3 A schematic diagram showing a flow chart of a payment method applied to a user terminal according to an embodiment of the present invention;

[0042] Figure 4 A schematic diagram of the structure of a user terminal according to an embodiment of the present invention is shown;

[0043] Figure 5 A schematic diagram showing a flow chart of a payment method applied to a payment server according to an embodiment of the present invention;

[0044] Figure 6 A schematic diagram showing the structure of a payment server according to an embodiment of the present invention is shown; and

[0045] Figure 7 A schematic diagram of the process of a face-scanning payment solution based on NFC according to an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0046] In order to make the purpose, technical solution and advantages of the present invention clearer, the specific embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to explain the present invention, rather than to limit the present invention.

[0047] It should also be noted that, for ease of description, only the part relevant to the present invention but not all content is shown in the accompanying drawings. It should be mentioned before discussing exemplary embodiments in more detail that some exemplary embodiments are described as processing or methods depicted as flow charts. Although the flow chart describes each operation (or step) as sequential processing, many operations therein can be implemented in parallel, concurrently or simultaneously. In addition, the order of each operation can be rearranged. When its operation is completed, the processing can be terminated, but it can also have additional steps not included in the accompanying drawings. The processing can correspond to methods, functions, procedures, subroutines, subprograms, etc.

[0048] Although the exemplary embodiments are described as using a plurality of units to perform the exemplary processes, it should be understood that the exemplary processes may also be performed by one or more modules.

[0049] Moreover, the control logic of the present invention may be included as executable program instructions on a computer-readable medium, which is implemented by a processor or the like. Examples of computer-readable media include, but are not limited to, ROM, RAM, optical disks, magnetic tapes, floppy disks, flash drives, smart cards, and optical data storage devices. The computer-readable recording medium may also be distributed in a computer system connected to a network, so that the computer-readable medium is stored and implemented in a distributed manner, for example, through a vehicle telematics service or a controller area network (CAN).

[0050] Hereinafter, a payment (authentication) scheme according to exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

[0051] Figure 1 FIG. 1 shows a payment method 1000 applied to a biometric identification terminal according to an embodiment of the present invention. Figure 1 As shown, the payment method 1000 includes the following steps:

[0052] In step S110, first biometric information of the user is obtained;

[0053] In step S120, a user unique ID corresponding to the user is received, wherein the user unique ID changes dynamically; and

[0054] In step S130, after determining that the first biometric information is consistent with the biometric information corresponding to the user's unique ID pre-stored on the payment server, a payment request is sent to the payment server to complete the payment process.

[0055] In the context of the present invention, "biometric information" refers to information containing biometric features. In one or more embodiments, the first biometric information or the biometric information corresponding to the user's unique ID includes one or more of facial features, fingerprints, palm prints, voice prints, irises, and palm veins.

[0056] The term "biometric identification terminal" refers to a terminal for identifying biometrics. In one embodiment, the biometric identification terminal is a face recognition terminal. For example, in a shopping scenario, the merchant first enters the goods purchased by the payee; then, the face recognition terminal displays the payment bill; then, after the payee confirms the payment bill, the payee can verify the payment by scanning his face through the face recognition terminal.

[0057] The term "user unique ID" is an identity identifier that can uniquely identify a user. The identifier can be, for example, a string of numerical values ​​generated by adding a random code to time. It should be noted that in the context of the present invention, the "user unique ID" is dynamically changing (i.e., it has a validity period, such as 2 minutes), and the identifier is different from certain fixed identifiers (e.g., device identifiers). The dynamically changing "user unique ID" can effectively prevent criminals from forging wireless communication devices to steal user funds, thereby improving the security of funds.

[0058] although Figure 1 Not shown, before step S110, method 1000 may further include: scanning the goods purchased by the user and entering the specific information of the goods; and generating a payment bill based on the entered specific information of the goods and displaying it to the user.

[0059] In one embodiment, step S110 includes: after the user confirms the payment of the bill, the first biometric information of the user is recorded through a sensor installed on the biometric identification terminal. For example, the sensor is a camera, which is installed on the biometric identification terminal to identify or record the user's facial features. The biometric identification terminal can identify the user's willingness to pay through the user's facial scanning behavior.

[0060] In one embodiment, step S120 includes: based on short-range communication technology (including but not limited to Bluetooth, RFID, ZigBee, UWB, NFC, etc.), sending a user unique ID request to a user terminal within a certain range of the biometric identification terminal; and receiving the user unique ID from the user terminal. That is, after the user swipes his face, the biometric identification terminal only sends a request message to user terminals (e.g., the user's smartphone, bracelet, IPAD, etc.) nearby (i.e., within a certain range, such as 0 to 1 meter), and the request message requests to obtain the user unique ID corresponding to the user.

[0061] In another embodiment, the user unique ID is obtained from the payment server (rather than the user terminal). Specifically, step S120 includes: requesting the payment server for the user unique ID corresponding to the user terminal located within a certain range of the biometric identification terminal; and receiving the user unique ID from the payment server.

[0062] In another embodiment, there is no need for the biometric identification terminal to send a user unique ID request to user terminals near it (eg, within a range of 0 to 1 meter), and one or more user terminals near its location (eg, user mobile phones) actively send the user unique ID.

[0063] In one embodiment, after step S120 and before step S130, method 1000 further includes: after receiving the user unique ID, requesting biometric information corresponding to the user unique ID from the payment server; receiving the biometric information from the payment server; and comparing the received biometric information with the first biometric information.

[0064] The biometric information received from the payment server may be uploaded in advance before executing the entire payment method 1000. For example, the biometric information of the paying user (e.g., the user's face) may be recorded through a sensor of the user terminal (e.g., a mobile phone camera). If the user terminal itself already has the biometric information (e.g., some Apple phones have pre-stored Face ID), the data may be directly used and uploaded to the payment server for storage after successful recording.

[0065] In one embodiment, after receiving one or more dynamically changing unique user IDs, the biometric identification terminal requests the payment server for biometric information corresponding to these IDs one by one, and then compares the requested biometric information with the first biometric information (collected or obtained by the biometric identification terminal) to obtain a comparison result.

[0066] In one embodiment, after step S120 and before step S130, method 1000 includes: after receiving the user unique ID, sending the first biometric information and the user unique ID to the payment server; and receiving from the payment server a comparison result of the biometric information corresponding to the user unique ID and the first biometric information. In the above embodiment, the comparison is performed on the payment server instead of on the biometric identification terminal, which can reduce the hardware processing requirements of the biometric identification terminal.

[0067] In one embodiment, step S130 includes: after the comparison is successful, based on network communication technology (including but not limited to Http), sending a payment request (the payment request includes but is not limited to the payment amount and the user's unique ID) to the payment server. In addition, step S130 may also include: after the payment is successful, displaying a prompt of successful payment; if the verification or payment fails, displaying a failure prompt.

[0068] In one embodiment, data encryption and decryption are performed in the communication between the biometric identification terminal, the user terminal and the payment server to ensure the security of the payment.

[0069] Figure 2 FIG. 2 shows a schematic diagram of the structure of a biometric identification terminal 2000 according to an embodiment of the present invention. Figure 2 As shown, the biometric identification terminal 2000 includes: an acquisition device 210, a first receiving device 220 and a first sending device 230. The acquisition device 210 is used to acquire the first biometric information of the user; the first receiving device 220 is used to receive a user unique ID corresponding to the user, and the user unique ID is dynamically changed; and the first sending device 230 is used to send a payment request to the payment server to complete the payment process after determining that the first biometric information is consistent with the biometric information corresponding to the user unique ID pre-stored on the payment server.

[0070] In the context of the present invention, "biometric information" refers to information containing biometric features. In one or more embodiments, the first biometric information or the biometric information corresponding to the user's unique ID includes one or more of facial features, fingerprints, palm prints, voice prints, irises, and palm veins.

[0071] The term "biometric identification terminal" refers to a terminal for identifying biometrics. In one embodiment, the biometric identification terminal is a face recognition terminal. For example, in a shopping scenario, the merchant first enters the goods purchased by the payee; then, the face recognition terminal displays the payment bill; then, after the payee confirms the payment bill, the payee can verify the payment by scanning his face through the face recognition terminal.

[0072] The term "user unique ID" is an identity identifier that can uniquely identify a user. The identifier can be, for example, a string of numerical values ​​generated by adding a random code to time. It should be noted that in the context of the present invention, the "user unique ID" is dynamically changing (i.e., it has a validity period, such as 2 minutes), and the identifier is different from certain fixed identifiers (e.g., device identifiers). The dynamically changing "user unique ID" can effectively prevent criminals from forging wireless communication devices to steal user funds, thereby improving the security of funds.

[0073] although Figure 2 Not shown, the biometric identification terminal 2000 may also include: a scanning device and a generating device, wherein the scanning device is used to scan the goods purchased by the user and enter the specific information of the goods (including but not limited to the name of the goods, the quantity of the goods, and the unit price of the goods); the generating device is used to generate a payment bill based on the entered specific information of the goods and display it to the user. The displayed content includes but is not limited to the name of the goods, the quantity of the goods, the unit price of the goods, the total amount of the bill, and a confirmation button is displayed for the user to click to confirm.

[0074] In one embodiment, the acquisition device 210 is configured to enter the first biometric information of the user through a sensor installed on the biometric identification terminal after the user confirms the payment bill. For example, the sensor is a camera installed on the biometric identification terminal to identify or enter the user's facial features. The biometric identification terminal including the acquisition device 210 can identify the user's willingness to pay through the user's facial scanning behavior.

[0075] In one embodiment, the first receiving device 220 is configured to send a user unique ID request to a user terminal within a certain range of the biometric identification terminal based on a short-range communication technology (including but not limited to Bluetooth, RFID, ZigBee, UWB, NFC, etc.); and receive the user unique ID from the user terminal. That is, after the user scans his face, the biometric identification terminal only sends a request message to a user terminal (e.g., the user's smartphone, bracelet, IPAD, etc.) nearby (i.e., within a certain range, such as 0 to 1 meter), and the request message requests to obtain the user unique ID corresponding to the user.

[0076] In another embodiment, the user unique ID is obtained from the payment server (rather than the user terminal). Specifically, the first receiving device 220 is configured to request the payment server for the user unique ID corresponding to the user terminal located within a certain range of the biometric identification terminal; and receive the user unique ID from the payment server.

[0077] In another embodiment, there is no need for the biometric identification terminal (or the first receiving device 220) to send a user unique ID request to user terminals near it (for example, within a range of 0 to 1 meter), and one or more user terminals (such as user mobile phones) near the location of the biometric identification terminal will actively send the user unique ID.

[0078] In one embodiment, the terminal 2000 further includes: a requesting device for requesting the biometric information corresponding to the user unique ID from the payment server after receiving the user unique ID; a second receiving device for receiving the biometric information from the payment server; and a first comparing device for comparing the received biometric information with the first biometric information.

[0079] The biometric information received from the payment server can be uploaded in advance before the entire payment process is executed. For example, the biometric information of the paying user (such as the user's face) can be recorded through the sensor of the user terminal (such as the mobile phone camera). If the user terminal itself already has the biometric information (such as some Apple phones have pre-stored Face ID), the data can be directly used and uploaded to the payment server for storage after successful recording.

[0080] In one embodiment, the biometric identification terminal 2000 is configured to request the biometric information corresponding to one or more dynamically changing user unique IDs from the payment server one by one after the first receiving device 220 receives these IDs, and then compare the requested biometric information with the first biometric information (collected or obtained by the biometric identification terminal) to obtain a comparison result.

[0081] In one embodiment, the terminal 2000 further includes: a second sending device, for sending the first biometric information and the user unique ID to the payment server after receiving the user unique ID; and a third receiving device, for receiving from the payment server a comparison result of the biometric information corresponding to the user unique ID and the first biometric information. In the above embodiment, the comparison is performed on the payment server instead of on the biometric identification terminal 2000, which can reduce the hardware processing requirements of the biometric identification terminal 2000.

[0082] In one embodiment, the first sending device 230 is configured to: after successful comparison, send a payment request (the payment request includes but is not limited to the payment amount and the user's unique ID) to the payment server based on network communication technology (including but not limited to Http). In addition, the first sending device 230 can also be configured to: after successful payment, display a prompt of successful payment; if verification or payment fails, display a failure prompt.

[0083] In one embodiment, data encryption and decryption are performed in the communication between the biometric identification terminal 2000, the user terminal and the payment server to ensure the security of the payment.

[0084] Figure 3 FIG. 3000 shows a payment method 3000 applied to a user terminal according to an embodiment of the present invention. Figure 3 As shown, the payment method 3000 includes the following steps:

[0085] In step S310, a user unique ID request is received from a biometric identification terminal;

[0086] In step S320, a unique user ID corresponding to the current login account is requested from the payment server; and

[0087] In step S330, the user unique ID is sent to the biometric identification terminal, and the user unique ID changes dynamically.

[0088] In the context of the present invention, a "user terminal" is a terminal device associated with a user, such as a smart phone, a head-mounted device, a smart bracelet, etc. In one embodiment, the user terminal may include software and hardware. Here, the software may include an application in the mobile phone, which may be a mobile wallet program provided by the mobile phone manufacturer or downloaded through an application store.

[0089] The term "biometric identification terminal" refers to a terminal for identifying biometrics. In one embodiment, the biometric identification terminal is a face recognition terminal. For example, in a shopping scenario, the merchant first enters the goods purchased by the payee; then, the face recognition terminal displays the payment bill; then, after the payee confirms the payment bill, the payee can verify the payment by scanning his face through the face recognition terminal.

[0090] The term "user unique ID" is an identity identifier that can uniquely identify a user. The identifier can be, for example, a string of numerical values ​​generated by adding a random code to time. It should be noted that in the context of the present invention, the "user unique ID" is dynamically changing (i.e., it has a validity period, such as 2 minutes), and the identifier is different from certain fixed identifiers (e.g., device identifiers). The dynamically changing "user unique ID" can effectively prevent criminals from forging wireless communication devices to steal user funds, thereby improving the security of funds.

[0091] In one or more embodiments of the present invention, the "payment server" is different from the user terminal or the biometric identification terminal. Its main function is to pre-process the payment request so that it meets the requirements of the acquiring institution or UnionPay. In one embodiment, the payment server also communicates with the acquiring institution or UnionPay, that is, forwards the pre-processed payment request to the acquiring institution or UnionPay, and receives the payment result replied by the acquiring institution or UnionPay. Figure 3 In the embodiment, the payment server also provides the user terminal with a unique user ID corresponding to the user's currently logged-in account.

[0092] although Figure 3 Not shown, in one embodiment, the method 3000 further includes: inputting the user's biometric information; and uploading the biometric information to the payment server. The uploaded biometric information can be used for identity verification in subsequent payment scenarios.

[0093] Continue to refer Figure 4 , Figure 4 FIG. 4 shows a user terminal 4000 according to an embodiment of the present invention. Figure 4 As shown, the user terminal 4000 includes a receiving unit 410, a requesting unit 420 and a sending unit 430. The receiving unit 410 is used to receive a user unique ID request from a biometric identification terminal; the requesting unit 420 is used to request a user unique ID corresponding to a current login account from a payment server; and the sending unit 430 is used to send the user unique ID to the biometric identification terminal, and the user unique ID is dynamically changed.

[0094] although Figure 4 Not shown, in one embodiment, the user terminal 4000 further includes: an input unit for inputting the user's biometric information; and an upload unit for uploading the biometric information to the payment server.

[0095] In one embodiment, the user terminal 4000 is mainly responsible for the following functions: (1) user registration, that is, the user registers an account by using information such as a mobile phone number and password; (2) user login: the user logs in using the registered mobile phone number and password, and the current mobile phone number account is remembered by default after login; (3) biometric information entry and upload: in the face payment scenario, the payee's face is entered through, for example, a mobile phone camera. If the mobile phone itself has facial data (such as Apple's Face ID), the data can be used directly. After successful entry, it is uploaded to the payment server for storage; (4) bank card binding: enter the bank card number, display the card binding terms, and verify the identity of the payee after the payee agrees to the terms. After the verification is passed, the card binding is completed; (5) communication with a biometric identification terminal, etc.: receive a user unique ID request sent by a biometric identification terminal, request the payment server for the user unique ID corresponding to the current mobile phone number account, and reply to the biometric identification terminal with the user's unique ID after obtaining it.

[0096] Figure 5 FIG. 5 shows a payment method 5000 applied to a payment server according to an embodiment of the present invention. Figure 5 As shown, the payment method 5000 includes the following steps:

[0097] In step S510, a user unique ID request is received from a user terminal, wherein the user unique ID request includes a current login account of the user terminal;

[0098] In step S520, a user unique ID corresponding to the current login account is generated, and the user unique ID changes dynamically; and

[0099] In step S530, the user unique ID is sent to the user terminal.

[0100] In the context of the present invention, a "user terminal" is a terminal device associated with a user, such as a smart phone, a head-mounted device, a smart bracelet, etc. In one embodiment, the user terminal may include software and hardware. Here, the software may include an application in the mobile phone, which may be a mobile wallet program provided by the mobile phone manufacturer or downloaded through an application store.

[0101] The term "user unique ID" is an identity identifier that can uniquely identify a user. The identifier can be, for example, a string of numerical values, generated by adding a random code to time. It should be noted that in the context of the present invention, the "user unique ID" is dynamically changing (that is, it has a validity period, such as 2 minutes), and this identifier is different from certain fixed identifiers (for example, device identifiers). The dynamically changing "user unique ID" can effectively prevent criminals from counterfeiting wireless communication devices to steal user funds, thereby improving the security of funds. Figure 5In the embodiment, the user unique ID corresponds to the current login account of the user terminal.

[0102] The term "payment server" is different from a user terminal or a biometric identification terminal. Its main function is to pre-process payment requests to meet the requirements of the acquirer or UnionPay. In one embodiment, the payment server also communicates with the acquirer or UnionPay, that is, forwards the pre-processed payment request to the acquirer or UnionPay, and receives the payment result replied by the acquirer or UnionPay. Figure 5 In the embodiment, the payment server also provides the user terminal with a unique user ID corresponding to the user's currently logged-in account.

[0103] although Figure 5 Not shown, in one embodiment, the above method 5000 also includes: receiving a payment request from a biometric identification terminal; preprocessing the payment request and forwarding the preprocessed payment request to a corresponding acquiring institution; receiving a payment result from the acquiring institution and returning it to the biometric identification terminal.

[0104] In one embodiment, the method 5000 further includes: saving the mapping relationship between the current login account and the user unique ID within the validity period. In this embodiment, step S520 may further include: using time plus a random code to generate a user unique ID; searching from the saved mapping relationship whether the user unique ID already exists; and if so, regenerating the user unique ID, otherwise the user unique ID generation is valid.

[0105] In one embodiment, the method 5000 further includes: receiving the user unique ID from a biometric identification terminal; and sending the biometric information corresponding to the user unique ID to the biometric identification terminal.

[0106] Figure 6 FIG. 6 shows a schematic diagram of the structure of a payment server 6000 according to an embodiment of the present invention. Figure 6 As shown, the payment server 6000 includes: a first receiving device 610, a generating device 620 and a first sending device 630. The first receiving device 610 is used to receive a user unique ID request from a user terminal, wherein the user unique ID request includes the current login account of the user terminal; the generating device 620 is used to generate a user unique ID corresponding to the current login account, wherein the user unique ID is dynamically changed; and the first sending device 630 is used to send the user unique ID to the user terminal.

[0107] In the context of the present invention, a "user terminal" is a terminal device associated with a user, such as a smart phone, a head-mounted device, a smart bracelet, etc. In one embodiment, the user terminal may include software and hardware. Here, the software may include an application in the mobile phone, which may be a mobile wallet program provided by the mobile phone manufacturer or downloaded through an application store.

[0108] The term "user unique ID" is an identity identifier that can uniquely identify a user. The identifier can be, for example, a string of numerical values ​​generated by adding a random code to time. It should be noted that in the context of the present invention, the "user unique ID" is dynamically changing (i.e., it has a validity period, such as 2 minutes), and the identifier is different from certain fixed identifiers (e.g., device identifiers). The dynamically changing "user unique ID" can effectively prevent criminals from forging wireless communication devices to steal user funds, thereby improving the security of funds.

[0109] The term "payment server" is different from a user terminal or a biometric identification terminal. Its main function is to pre-process the payment request so as to meet the requirements of the acquirer or UnionPay. In one embodiment, the payment server 6000 also communicates with the acquirer or UnionPay, that is, forwards the pre-processed payment request to the acquirer or UnionPay, and receives the payment result replied by the acquirer or UnionPay.

[0110] although Figure 6 Not shown, the payment server 6000 may further include: a second receiving device for receiving the user unique ID from the biometric identification terminal; and a second sending device for sending the biometric information corresponding to the user unique ID to the biometric identification terminal.

[0111] In one embodiment, the above-mentioned payment server 6000 may also include: a third receiving device, used to receive a payment request from a biometric identification terminal; a preprocessing device, used to preprocess the payment request and forward the preprocessed payment request to a corresponding acquiring institution; a fourth receiving device, used to receive a payment result from the acquiring institution and return it to the biometric identification terminal.

[0112] In one embodiment, the payment server 6000 further includes: a storage device for storing the mapping relationship between the current login account and the user unique ID within the validity period. In the payment server 6000, the generating device 620 is configured to: generate the user unique ID by adding a random code to the time; find out whether the user unique ID already exists from the stored mapping relationship; and if so, regenerate the user unique ID, otherwise the user unique ID is generated and valid.

[0113] Figure 7A flow chart of an NFC-based face-scanning payment solution 7000 according to an embodiment of the present invention is shown.

[0114] refer to Figure 7 In step 702, as a prerequisite for using "face payment", the paying user enters the paying user's face through the user terminal (such as a mobile phone camera). If the user terminal itself has face data, the data can be used directly. In step 704, after the entry is successful, the face data is uploaded to the payment server for storage.

[0115] In a payment behavior, as shown in step 710, the merchant receiving payment scans the goods purchased by the payee one by one, and enters the specific information of the goods in the face recognition terminal, including but not limited to the name of the goods, the quantity of the goods, and the unit price of the goods. Then, in step 712, the face recognition terminal generates and displays the bill: based on the entered specific information of the goods, a payment bill is generated and displayed to the payee, and the displayed content includes but is not limited to the name of the goods, the quantity of the goods, the unit price of the goods, the total amount of the bill, and a confirmation button is displayed for the user to click to confirm. In step 714, after the payee clicks the confirmation button, the payee's face is recorded through the camera.

[0116] Next, the face recognition terminal communicates with the user terminal. Specifically, in step 720, based on NFC technology, the face recognition terminal sends a user unique ID request to one or more user mobile phones in the vicinity (for example, within a range of 0 to 1 meter from the face recognition terminal). In step 722, after the user terminal receives the user unique ID request sent by the face recognition terminal, it requests the payment server for the user unique ID corresponding to the current mobile phone account. In step 724, after receiving the user unique ID request sent by the user terminal, the payment server generates a user unique ID corresponding to the mobile phone account according to certain rules (the user unique ID has a validity period, such as 2 minutes), and the payment service saves the mapping relationship between the mobile phone account and the user unique ID during the validity period. Subsequently, in step 726, the payment server replies to the user terminal with the generated user unique ID.

[0117] In one or more embodiments, the user unique ID can be generated according to a rule (i.e., time plus a random code). After generation, a search is performed between the saved mapping relationship between the valid mobile phone number account and the user unique ID to determine whether the newly generated user unique ID already exists. If so, it is regenerated; if not, the generation is successful.

[0118] In step 730, the user terminal sends the acquired user unique ID to the face recognition terminal.

[0119] After receiving one or more dynamically changing user unique IDs, the face recognition terminal requests the facial data corresponding to these IDs from the payment server one by one in step 740. In step 742, the face recognition terminal receives the facial data corresponding to these IDs from the payment server. In step 744, the face recognition terminal compares the requested facial data with the face recognition data to obtain a comparison result.

[0120] If the comparison is successful, in step 750, the face recognition terminal sends a payment request to the payment server (the payment request includes but is not limited to the payment amount and the user's unique ID). In step 752, the payment server feeds back the payment result or verification result to the face recognition terminal. In step 754, the face recognition terminal displays a payment success prompt after the payment is successful, and displays a failure prompt if the verification fails.

[0121] The above-mentioned face-scanning payment solution 7000 based on near-field communication technology (NFC) improves the payment experience of "face-scanning payment", solves the problem of manual secondary verification of "face-scanning payment", and at the same time ensures the payment security of "face-scanning payment" and the financial security of paying users.

[0122] Specifically, in order to address the problem of poor payment experience in existing methods, after the payee scans his face, the face-scanning terminal and the payee's mobile phone perform encrypted interaction for secondary verification, thereby achieving secondary verification without the user's perception. For example, the original face-scanning payment used payment passwords, mobile phone numbers, voiceprint features, etc. as means of secondary verification, which easily made the payment process of the payee cumbersome and affected the payment experience. If the payment method of this patent is used, the secondary verification of face-scanning payment will be completed in an encrypted manner between the face-scanning terminal, the payee's mobile phone, and the payment terminal. The payee can complete the entire payment process without any other operations after scanning his face.

[0123] In view of the potential payment security risks of the existing methods, after the payment user swipes his face, the encrypted interaction between the face swiping terminal, the payment user's mobile phone, and the payment terminal is used for secondary verification, which avoids the leakage of personal privacy and payment elements (such as facial data) affecting the payment user's financial security. For example, the original face swiping payment lacks secondary verification or uses voiceprint features as a means of secondary verification, which is easy to cause the leakage of payment elements and affect the personal financial security. If the payment method of this patent is used, the secondary verification of face swiping payment will be completed in an encrypted manner between the face swiping terminal, the payment user's mobile phone, and the payment terminal. Even after the payment element is leaked, criminals cannot complete the theft of the payment user's funds through the payment element. Moreover, the encrypted device identification transmitted between the existing face swiping terminal and the user's mobile phone remains unchanged for a long time and can be obtained without any threshold. If the encrypted device identification and the payment element are leaked at the same time, it will also affect the personal financial security. In contrast, after using the payment method of this patent, the encrypted user unique ID transmitted between the face recognition terminal and the user's mobile phone is dynamically changed. Even after the payment elements are leaked, criminals cannot steal the payment user's funds through the encrypted user unique ID and payment elements.

[0124] In order to solve the problem of incomplete design of existing methods, the payment intention of users is identified by actively expressing their willingness to pay by face scanning, thus avoiding the risk of wrong payment after the user's mobile phone enters the payment area. In addition, when multiple user mobile phones enter the payment area at the same time, the face scanning terminal sends user unique ID requests to multiple user mobile phones entering the payment area, realizing the ability to screen payment users.

[0125] In order to solve the problem of long data transmission delay in existing methods, a user unique ID request is sent to one or more user mobile phones near the location through a face recognition terminal, which avoids the transmission of large amounts of data and reduces the delay of data transmission. For example, the original payment method transmits a communication signal to the user terminal, establishes a communication connection with the user terminal, and then sends or requests a second biometric feature to the user terminal, which easily leads to a long data transmission delay. After using the payment method of this patent, the second biometric feature is replaced with the user unique ID, and the amount of data to be transmitted is greatly reduced.

[0126] In summary, the various payment verification schemes of the embodiments of the present invention can be used to "verify" the user (without the need for the user to enter a payment password) by comparing the first biometric information identified by the biometric identification terminal with the biometric information corresponding to the user's unique ID (the user's unique ID is dynamically changing, not fixed) pre-stored on the payment server, thereby safely completing the entire payment process. This greatly improves the user's payment experience while ensuring payment security. In addition, the payment verification scheme of one or more embodiments of the present invention involves the biometric identification terminal receiving the user's unique ID (directly or indirectly) from a user terminal near the biometric identification terminal (i.e., within a certain range) based on short-range communication technology (including but not limited to NFC), and performing subsequent biometric verification based on the dynamically changing user's unique ID, further ensuring the security and convenience of payment.

[0127] Although the above specification only describes some of the embodiments of the present invention, it should be understood by those skilled in the art that the present invention can be implemented in many other forms without departing from its subject matter and scope. In one or more embodiments, the biometric identification technology used in each technical solution of this patent can be adjusted, for example, facial feature recognition is changed to other biometric identification technologies such as fingerprint, palm print, voice print, iris, palm vein, etc., and the face recognition terminal is correspondingly adjusted to a terminal such as fingerprint, palm print, voice print, iris, palm vein, etc. In one or more embodiments, the communication technology used in each technical solution of this patent can be adjusted, for example, NFC is changed to other short-range communication technologies (including but not limited to Bluetooth, RFID, ZigBee, UWB). In one or more embodiments, the face recognition terminal used in each technical solution of this patent can be adjusted to request a dynamically changing user unique ID from one or more user mobile phones near the location, for example, one or more user mobile phones near the location actively send the user unique ID. In one or more embodiments, after receiving one or more dynamically changing user unique IDs, the face scanning terminal used in each technical solution of this patent can request the facial data corresponding to these IDs from the payment server one by one or in batches, and then compare them with the face scanning data, and take relevant measures to make adjustments according to the comparison results. For example, after receiving one or more user unique IDs, the face scanning terminal sends the face scanning data and these IDs to the payment server, and the payment server compares the facial data corresponding to these IDs with the face scanning data and replies with the comparison results. In one or more embodiments, the communication method between the face scanning terminal used in each technical solution of this patent and the mobile phone of the paying user can be adjusted to avoid direct communication and use indirect communication. For example, the user's mobile phone can synchronize GPS information with the payment server, and the face scanning terminal can request the payment server for the dynamically changing user unique IDs corresponding to one or more user mobile phones located near the location of the face scanning terminal, thereby completing the indirect acquisition of the user's unique ID.

[0128] Therefore, the shown examples and embodiments are to be regarded as illustrative rather than restrictive, and the present invention may be capable of various modifications and substitutions without departing from the spirit and scope of the present invention as defined in the appended claims.

Claims

1. A payment method applied to a biometric identification terminal, characterized in that: The method comprises: Obtaining the user's first biometric information; receiving a user unique ID corresponding to the user, wherein the user unique ID changes dynamically; and After determining that the first biometric information is consistent with the biometric information corresponding to the user's unique ID pre-stored on the payment server, the biometric identification terminal sends a payment request to the payment server to complete the payment process, Wherein, receiving a unique user ID corresponding to the user includes: Based on the short-range communication technology, sending a user unique ID request to a user terminal within a certain range of the biometric identification terminal; and The user unique ID is received from the user terminal.

2. The method according to claim 1, further comprising, before obtaining the first biometric information of the user: Scan the goods purchased by the user and enter the specific information of the goods; as well as Based on the entered commodity specific information, a payment bill is generated and displayed to the user.

3. The method of claim 2, wherein: Acquiring the user's first biometric information includes: After the user confirms the payment bill, the first biometric information of the user is input through a sensor installed on the biometric identification terminal.

4. The method of claim 1, further comprising: After receiving the user unique ID, requesting the payment server for biometric information corresponding to the user unique ID; receiving the biometric information from the payment server; as well as The received biometric information is compared with the first biometric information.

5. The method of claim 1, further comprising: After receiving the user unique ID, sending the first biometric information and the user unique ID to the payment server; as well as A comparison result between the biometric information corresponding to the user unique ID and the first biometric information is received from the payment server.

6. The method of claim 1, wherein: The payment request includes the payment amount and the user unique ID.

7. The method of claim 1, wherein: The first biometric information or the biometric information corresponding to the user's unique ID includes one or more of facial features, fingerprints, palm prints, voice prints, irises, and palm veins.

8. A biometric identification terminal, characterized in that: The terminal comprises: An acquisition device, used to acquire first biometric information of a user; A first receiving device is used to receive a user unique ID corresponding to the user, wherein the user unique ID changes dynamically; and The first sending device is used to send a payment request to the payment server to complete the payment process after determining that the first biometric information is consistent with the biometric information corresponding to the user's unique ID pre-stored on the payment server, wherein the first receiving device is configured to: Based on the short-range communication technology, sending a user unique ID request to a user terminal within a certain range of the biometric identification terminal; and The user unique ID is received from the user terminal.

9. The terminal according to claim 8, further comprising: A scanning device, used to scan the goods purchased by the user and enter the specific information of the goods; as well as The generating device is used to generate a payment bill according to the input commodity specific information and display it to the user.

10. The terminal according to claim 8, wherein: The acquisition device is configured to enter the first biometric information of the user through a sensor installed on the biometric identification terminal after the user confirms the payment bill.

11. The terminal according to claim 8, further comprising: requesting means for requesting, after receiving the user unique ID, from the payment server the biometric information corresponding to the user unique ID; a second receiving device, configured to receive the biometric information from the payment server; as well as The first comparing device is used to compare the received biometric characteristic information with the first biometric characteristic information.

12. The terminal according to claim 8, further comprising: a second sending means, for sending the first biometric information and the user unique ID to the payment server after receiving the user unique ID; as well as The third receiving device is used to receive from the payment server a comparison result of the biometric information corresponding to the user unique ID and the first biometric information.

13. The terminal according to claim 8, wherein: The payment request includes the payment amount and the user unique ID.

14. The terminal according to claim 8, wherein: The first biometric information or the biometric information corresponding to the user's unique ID includes one or more of facial features, fingerprints, palm prints, voice prints, irises, and palm veins.

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