Payment method, apparatus and system based on hardware wallet

Abstract

This invention discloses a payment method, apparatus, and system based on a hardware wallet, relating to the field of computer technology. One specific embodiment of the method includes: receiving hardware wallet information from a hardware wallet reader and obtaining a user's first biometric data based on the hardware wallet information, wherein the hardware wallet reader and the hardware wallet interact via near-field communication (NFC) technology; receiving a user's second biometric data from a biometric data acquisition device; performing feature matching between the first and second biometric data to obtain a similarity score; and verifying and processing the payment if the similarity score reaches a similarity threshold. This embodiment enables payment without manual confirmation, is convenient to operate, and allows for fast and accurate payment.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a payment method, apparatus and system based on a hardware wallet. Background Technology

[0002] Currently, there are two main types of commonly used digital asset payment solutions: one is hardware wallet-based payment, which stores the private key of digital assets separately in a hardware wallet security chip, isolated from the Internet, and interacts with the outside world for payment through Near Field Communication (NFC); ​​the other is facial recognition payment, which is a new type of payment method based on AI (Artificial Intelligence) facial feature recognition, and generally requires mobile phone confirmation.

[0003] However, in the process of realizing this invention, the inventors discovered at least the following problems in the prior art:

[0004] Payment methods based on hardware wallets are time-consuming and cumbersome because NFC (Near Field Communication) has a limited range, typically within 4cm, requiring the user to hold the wallet close to the device. Facial recognition payments, on the other hand, are prone to accidental transactions due to the possibility of identical faces, and require confirmation via a mobile phone, making them less convenient. Furthermore, recognition speed decreases as the facial database grows. Therefore, a convenient, secure, and efficient payment method is urgently needed. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a payment method, device and system based on a hardware wallet, which can realize payment without manual confirmation, is convenient to operate, and can also make payments quickly and accurately.

[0006] To achieve the above objectives, according to one aspect of the present invention, a payment method based on a hardware wallet is provided.

[0007] A payment method based on a hardware wallet includes:

[0008] The device receives hardware wallet information from a hardware wallet reader and obtains the user's first biometric data based on the hardware wallet information. The hardware wallet reader and the hardware wallet interact with each other via near-field communication technology.

[0009] Receive the user's second biometric data from the biometric data acquisition device;

[0010] The first biometric data and the second biometric data are matched to obtain the similarity.

[0011] If the similarity reaches the similarity threshold, the verification is successful and payment is processed.

[0012] Optionally, the near-field mobile communication technology includes radio frequency identification (RFID) technology and near-field communication (NFC) technology.

[0013] Optionally, obtaining the user's first biometric data based on the hardware wallet information includes:

[0014] The hardware wallet information is used to interact with the operating institution to obtain user identity information, which includes the first biometric data.

[0015] Optionally, obtaining the user's first biometric data based on the hardware wallet information includes:

[0016] The system interacts with the operating organization based on the hardware wallet information to obtain user identity information;

[0017] The user's first biometric data is retrieved from the biometric database based on the user's identity information.

[0018] Optionally, the hardware wallet information is obtained through the following methods:

[0019] If the signature verification between the hardware wallet reader and the hardware wallet is successful via near-field communication technology, the signature can be obtained by the hardware wallet reader from the hardware wallet, or by the hardware wallet reader interacting with the operating institution and obtaining the signature.

[0020] Optionally, the second biometric data is obtained in the following ways:

[0021] When the biometric data collection device displays payment information and prompts the user to collect biometric data, the biometric data collection device collects the user's second biometric data.

[0022] Optionally, the payment information includes the payment amount, and the similarity threshold is matched with the payment amount.

[0023] Optionally, the first biometric data includes face data and / or iris data.

[0024] According to another aspect of the present invention, a payment device based on a hardware wallet is provided.

[0025] A payment device based on a hardware wallet includes:

[0026] The first feature acquisition module is used to receive hardware wallet information sent by the hardware wallet reader and acquire the user's first biometric data based on the hardware wallet information. The hardware wallet reader and the hardware wallet interact with each other through near-field communication technology.

[0027] The second feature receiving module is used to receive the user's second biometric data sent by the biometric acquisition device.

[0028] The feature matching module is used to perform feature matching between the first biometric data and the second biometric data to obtain a similarity.

[0029] The payment verification module is used to verify and process payment when the similarity reaches a similarity threshold.

[0030] Optionally, the near-field mobile communication technology includes radio frequency identification (RFID) technology and near-field communication (NFC) technology.

[0031] Optionally, the first feature acquisition module is further configured to:

[0032] The hardware wallet information is used to interact with the operating institution to obtain user identity information, which includes the first biometric data.

[0033] Optionally, the first feature acquisition module is further configured to:

[0034] The system interacts with the operating organization based on the hardware wallet information to obtain user identity information;

[0035] The user's first biometric data is retrieved from the biometric database based on the user's identity information.

[0036] Optionally, the hardware wallet information is obtained through the following methods:

[0037] If the signature verification between the hardware wallet reader and the hardware wallet is successful via near-field communication technology, the signature can be obtained by the hardware wallet reader from the hardware wallet, or by the hardware wallet reader interacting with the operating institution and obtaining the signature.

[0038] Optionally, the second biometric data is obtained in the following ways:

[0039] When the biometric data collection device displays payment information and prompts the user to collect biometric data, the biometric data collection device collects the user's second biometric data.

[0040] Optionally, the payment information includes the payment amount, and the similarity threshold is matched with the payment amount.

[0041] Optionally, the first biometric data includes face data and / or iris data.

[0042] According to another aspect of the present invention, a payment system based on a hardware wallet is provided.

[0043] A payment system based on a hardware wallet includes:

[0044] A hardware wallet reader is used to interact with a hardware wallet via near-field communication technology to obtain hardware wallet information and send the hardware wallet information to the payment system backend.

[0045] Biometric data collection device is used to collect the user's second biometric data and send the second biometric data to the payment system backend;

[0046] The payment system backend is used to receive hardware wallet information sent by the hardware wallet reader and obtain the user's first biometric data based on the hardware wallet information; receive the user's second biometric data sent by the biometric collection device; perform feature matching between the first biometric data and the second biometric data to obtain a similarity; and if the similarity reaches a similarity threshold, the verification is successful and payment is processed.

[0047] According to another aspect of the present invention, a computer program product is provided.

[0048] A computer program product according to an embodiment of the present invention includes a computer program that, when executed by a processor, implements the hardware wallet-based payment method provided in this embodiment of the present invention.

[0049] According to another aspect of the present invention, a payment electronic device based on a hardware wallet is provided.

[0050] A payment electronic device based on a hardware wallet includes: one or more processors; and a storage device for storing one or more programs, which, when executed by the one or more processors, enable the one or more processors to implement the payment method based on a hardware wallet provided in the embodiments of the present invention.

[0051] According to another aspect of the present invention, a computer-readable medium is provided.

[0052] A computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the hardware wallet-based payment method provided in embodiments of the present invention.

[0053] One embodiment of the above invention has the following advantages or beneficial effects: By receiving hardware wallet information from a hardware wallet reader and obtaining the user's first biometric data based on the hardware wallet information, the hardware wallet reader and the hardware wallet interact via near-field communication (NFC) technology; receiving the user's second biometric data from a biometric collection device; performing feature matching between the first and second biometric data to obtain a similarity score; and verifying and processing payment when the similarity score reaches a similarity threshold, this technical solution combines the near-field communication capability of the hardware wallet with biometric recognition technologies such as facial recognition and iris recognition for payment. First, the corresponding payer is located via NFC, and then biometric data comparison is used for payer identity verification. This method is fast in locating the payer and greatly reduces the false positive rate during biometric data comparison, significantly improving comparison efficiency. Furthermore, it eliminates the need for manual payment confirmation by the payer, making the operation more convenient. Thus, it achieves payment without manual confirmation, is convenient to operate, and can be made quickly and accurately.

[0054] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0055] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0056] Figure 1 This is a schematic diagram illustrating the main steps of a hardware wallet-based payment method according to an embodiment of the present invention;

[0057] Figure 2 This is an architecture diagram of a hardware wallet-based payment system according to an embodiment of the present invention;

[0058] Figure 3 This is a schematic diagram of the payment process according to an embodiment of the present invention;

[0059] Figure 4 This is a schematic diagram of the main modules of a payment device based on a hardware wallet according to an embodiment of the present invention;

[0060] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0061] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0062] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0063] Currently, for digital asset payments, hardware wallet-based payments are time-consuming and cumbersome due to the distance limitation of NFC (Near Field Communication), typically within 4cm. Users must hold the wallet close to the device, requiring them to spend time and their hands. Facial recognition payments are also problematic because of the possibility of misidentification, such as identical twins. Furthermore, confirmation via a mobile phone is required, either through separate confirmation on the phone or by pre-installing activation parameters in a facial database to reduce database size and the chance of false positives. Recognition speed decreases as the facial database grows; a large database requires matching numerous data points, further slowing down the process. Additionally, there is currently no 1:1 billion facial recognition technology to support nationwide facial payment. Therefore, a convenient, secure, and efficient payment method is urgently needed.

[0064] To address the aforementioned technical problems, this invention provides a payment method based on a hardware wallet. This method combines the near-field communication capabilities of the hardware wallet with biometric recognition technologies such as facial recognition and iris recognition, enabling fast and accurate payments without manual confirmation. Specifically, it features:

[0065] 1. Fast payer location. The hardware wallet can communicate with the hardware wallet reader at close range, resulting in short access distance and high speed. Furthermore, the wallet identifier of the hardware wallet is unique, allowing direct location of the payer. In contrast, existing facial recognition solutions require sifting through billions of data points to locate the payer. Therefore, this invention provides significantly faster payer location compared to existing technologies.

[0066] 2. Significantly reduces the probability of false positives (face matching). In this invention, the payer is first located via a hardware wallet, narrowing down the range of faces and / or iris data to be matched to single digits. False positives only occur when there are matching faces or irises in a single-digit face or iris database. In contrast, existing face recognition solutions involve billions of data points, resulting in a much higher probability of face matching. Therefore, this invention significantly reduces the probability of false positives compared to existing technologies.

[0067] 3. Convenience. No need for the payer to spend time taking out their wallet and holding it close to the device.

[0068] The specific implementation process of this invention is described below with reference to specific embodiments. Those skilled in the art should understand that the hardware wallet in this invention refers to a storage medium with a security chip that supports near-field communication and carries the private key of digital assets; its specific form is not limited. For example, a digital currency hardware wallet is a storage medium carrying encrypted strings of digital currency and has basic functions such as withdrawal, redemption, spending, transfer, and querying.

[0069] Figure 1 This is a schematic diagram illustrating the main steps of a hardware wallet-based payment method according to an embodiment of the present invention. Figure 1 As shown, the payment method based on a hardware wallet in this embodiment of the invention mainly includes the following steps S101 to S104.

[0070] Step S101: Receive hardware wallet information sent by the hardware wallet reader, and obtain the user's first biometric data based on the hardware wallet information. The hardware wallet reader and the hardware wallet interact with each other through near-field communication technology.

[0071] Step S102: Receive the user's second biometric data sent by the biometric acquisition device;

[0072] Step S103: Perform feature matching between the first biometric data and the second biometric data to obtain the similarity;

[0073] Step S104: If the similarity reaches the similarity threshold, the verification is successful and payment is processed.

[0074] According to the technical solution of the present invention, steps S101 and S102 can be executed simultaneously, or the execution order can be set according to the needs of the application scenario. The present invention does not limit this. For example, if the current application scenario is supermarket merchandise payment, there is no need to limit the execution order of steps S101 and S102; it is sufficient to obtain the first biometric data and the second biometric data. If the current application scenario is subway station card swiping for entry and exit, step S101 must be executed first, and step S102 must be executed when the user exits the station.

[0075] According to one embodiment of the present invention, the short-range mobile communication technology includes radio frequency identification (RFID) technology and near-field communication (NFC) technology. RFID technology refers to Radio Frequency Identification (RFID), which enables contactless two-way data communication via radio frequency. It reads and writes data to a recording medium (electronic tag or RFID card) using radio frequency to achieve target identification and data exchange. The detection distance of RFID can reach 0.5-1.5 meters. NFC technology refers to Near Field Communication (NFC), which is developed based on contactless RFID technology and combined with wireless interconnection technology. It is mainly used for secure communication within short range (within 10 centimeters). Current short-range wireless communication technologies also include ZigBee, Bluetooth, and infrared, but these technologies have different security levels. In specific applications, the appropriate technology can be flexibly selected based on the security requirements of different scenarios.

[0076] According to another embodiment of the present invention, obtaining a user's first biometric data based on the hardware wallet information may specifically include: interacting with an operating institution based on the hardware wallet information to obtain user identity information, wherein the user identity information includes the first biometric data. In this embodiment, the first biometric data is pre-installed in the user identity information, and the user's first biometric data can be obtained by obtaining the user identity information. The user identity information includes, for example, information that can uniquely identify the user, such as the user's ID number. The operating institution refers to the institution that manages the currency during its circulation after it has been exchanged, such as various commercial banks.

[0077] According to another embodiment of the present invention, obtaining a user's first biometric data based on the hardware wallet information may specifically include: interacting with an operating institution based on the hardware wallet information to obtain user identity information; and searching for the user's first biometric data in a biometric database based on the user identity information. In this embodiment, after obtaining the user's identity information through the operating institution, it is also necessary to search for the user's first biometric data in a biometric database based on the user identity information.

[0078] According to another embodiment of the present invention, the hardware wallet information is obtained in the following ways: after the hardware wallet reader and the hardware wallet have successfully completed signature verification via near-field communication (NFC) technology, the hardware wallet reader obtains the information from the hardware wallet, or the hardware wallet reader interacts with the operating institution to obtain the information. According to embodiments of the present invention, the hardware wallet information includes, for example, a wallet identifier ID, which may be pre-installed in the hardware wallet, or obtained by the reader interacting with the operating institution after signature verification with the hardware wallet reader. When the hardware wallet and its reader perform signature verification, they may use a method such as RSA encryption algorithm (private key encryption, public key decryption) to verify the trustworthiness of the other party.

[0079] According to another embodiment of the present invention, the second biometric data is obtained in the following manner: when the biometric data acquisition device displays payment information and prompts the user to collect biometric data, the biometric data acquisition device collects the user's second biometric data. The biometric data acquisition device displays payment information based on the user's order, including, for example, specific order details and payment amount, and then prompts the user to collect biometric data and make payment. Subsequently, when biometric data that can be collected is detected, the user's second biometric data is collected.

[0080] According to another embodiment of the present invention, the first biometric data and the second biometric data include facial data and / or iris data. In embodiments of the present invention, to avoid manual payment confirmation, the collected biometric data can be facial data, iris data, or both. For example, the first and second biometric data can be facial data, or iris data, or both can include facial data and iris data.

[0081] According to another embodiment of the present invention, the payment information includes the payment amount, and the similarity threshold is matched with the payment amount. For example, when the payment amount is high, the set similarity threshold is also high, thus further combining the payment amount to ensure payment security.

[0082] Figure 2 This is an architecture diagram of a hardware wallet-based payment system according to an embodiment of the present invention. Figure 2As shown, the payment system of this invention mainly consists of a hardware wallet carried by the user, a hardware wallet reader installed at the receiving party (e.g., a merchant with the corresponding qualifications), a biometric data collection device, and a payment system backend. The hardware wallet and hardware wallet reader can communicate wirelessly, the biometric data collection device is used to collect the user's biometric features, and the payment system backend interacts with the hardware wallet reader and biometric data collection device via a network link.

[0083] Figure 3 This is a schematic diagram of the payment process according to an embodiment of the present invention. Figure 3 It shows how to base it on, for example Figure 2 The payment system shown performs the payment. In this embodiment, the user's biometric data is, for example, facial data, and the payment process is mainly as follows:

[0084] 1. When a hardware wallet enters the vicinity of a hardware reader, the hardware wallet and the reader verify each other's signatures to confirm that the other party is trustworthy. Then, the reader obtains the hardware wallet information and transmits it to the payment system backend.

[0085] 2. The payment system backend obtains the user's identity information and their first facial information based on the hardware wallet information;

[0086] 3. The biometric data collection device displays order information and prompts the user to scan their face;

[0087] 4. After the biometric data collection device detects facial data, it collects a second facial information and transmits the second facial information to the payment system backend;

[0088] 5. The payment system backend matches the first and second facial information to determine the similarity.

[0089] 6. If the similarity reaches the predetermined value, the payment system will return "Payment successful" to the biometric data collection device, and the biometric data collection device will display the result.

[0090] 7. If the similarity does not reach the predetermined value, the payment system will return "Payment failed" to the biometric data collection device, and the biometric data collection device will display the result.

[0091] Figure 4 This is a schematic diagram of the main modules of a hardware wallet-based payment device according to an embodiment of the present invention. Figure 4 As shown, the payment device 400 based on a hardware wallet in this embodiment of the invention mainly includes a first feature acquisition module 401, a second feature receiving module 402, a feature matching module 403, and a payment verification module 404.

[0092] The first feature acquisition module 401 is used to receive hardware wallet information sent by the hardware wallet reader and acquire the user's first biometric data based on the hardware wallet information. The hardware wallet reader and the hardware wallet interact with each other through near-field communication technology.

[0093] The second feature receiving module 402 is used to receive the user's second biometric data sent by the biometric acquisition device.

[0094] The feature matching module 403 is used to perform feature matching between the first biometric data and the second biometric data to obtain a similarity.

[0095] The payment verification module 404 is used to verify and process payment when the similarity reaches a similarity threshold.

[0096] According to one embodiment of the present invention, the near-field mobile communication technology includes radio frequency identification (RFID) technology and near-field communication (NFC) technology.

[0097] According to another embodiment of the present invention, the first feature acquisition module 401 can also be used for:

[0098] The hardware wallet information is used to interact with the operating institution to obtain user identity information, which includes the first biometric data.

[0099] According to another embodiment of the present invention, the first feature acquisition module 401 can also be used for:

[0100] The system interacts with the operating organization based on the hardware wallet information to obtain user identity information;

[0101] The user's first biometric data is retrieved from the biometric database based on the user's identity information.

[0102] According to another embodiment of the present invention, the hardware wallet information is obtained in the following manner:

[0103] If the signature verification between the hardware wallet reader and the hardware wallet is successful via near-field communication technology, the signature can be obtained by the hardware wallet reader from the hardware wallet, or by the hardware wallet reader interacting with the operating institution and obtaining the signature.

[0104] According to another embodiment of the present invention, the second biometric data is obtained in the following manner:

[0105] When the biometric data collection device displays payment information and prompts the user to collect biometric data, the biometric data collection device collects the user's second biometric data.

[0106] According to another embodiment of the present invention, the payment information includes the payment amount, and the similarity threshold is matched with the payment amount.

[0107] According to another embodiment of the present invention, the first biometric data includes face data and / or iris data.

[0108] According to the technical solution of this invention, by receiving hardware wallet information from a hardware wallet reader and obtaining the user's first biometric data based on the hardware wallet information, the hardware wallet reader and the hardware wallet interact via near-field communication (NFC) technology; receiving the user's second biometric data from a biometric collection device; performing feature matching between the first and second biometric data to obtain a similarity score; and verifying and processing payment when the similarity score reaches a similarity threshold, this technical solution combines the near-field communication capability of the hardware wallet with biometric recognition technologies such as facial recognition and iris recognition for payment. First, the corresponding payer is located via NFC, and then the payer's identity is verified by comparing biometric data. This method is fast in locating the payer and greatly reduces the false positive rate during biometric data comparison, significantly improving comparison efficiency. Furthermore, it eliminates the need for manual payment confirmation by the payer, making the operation more convenient. Therefore, it achieves fast and accurate payment without manual confirmation.

[0109] According to another aspect of the present invention, the computer program product of the present invention includes a computer program that, when executed by a processor, implements the hardware wallet-based payment method in the embodiments of the present invention.

[0110] Figure 5 An exemplary system architecture 500 is shown that can be applied to a hardware wallet-based payment method or a hardware wallet-based payment device according to embodiments of the present invention.

[0111] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, and 503, a network 504, and a server 505. Network 504 serves as the medium for providing communication links between terminal devices 501, 502, and 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0112] Users can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 501, 502, and 503, such as shopping applications, digital currency applications, bank wallet applications, banking applications, mobile communication applications, etc. (for example only).

[0113] Terminal devices 501, 502, and 503 can be various electronic devices with displays that support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0114] Server 505 can be a server providing various services, such as a backend management server supporting payment requests sent by users using terminal devices 501, 502, and 503 (for example only). The backend management server can receive hardware wallet information from a hardware wallet reader and obtain the user's first biometric data based on the hardware wallet information; the hardware wallet reader and the hardware wallet interact via near-field communication (NFC) technology; receive the user's second biometric data from a biometric collection device; perform feature matching between the first and second biometric data to obtain a similarity score; if the similarity score reaches a similarity threshold, verification is successful, payment processing is performed, and the processing result (e.g., payment result – for example only) is fed back to the terminal device.

[0115] It should be noted that the payment method based on a hardware wallet provided in this embodiment of the invention is generally executed by the server 505, and correspondingly, the payment device based on a hardware wallet is generally set in the server 505.

[0116] It should be understood that Figure 5 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0117] The following is for reference. Figure 6 It shows a schematic diagram of the structure of a computer system 600 suitable for implementing terminal devices or servers of the present invention. Figure 6 The terminal device or server shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of the present invention.

[0118] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0119] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, 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, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0120] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0121] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0122] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0123] The units or modules described in the embodiments of the present invention can be implemented in software or hardware. The described units or modules can also be housed in a processor; for example, a processor can be described as including a first feature acquisition module, a second feature receiving module, a feature matching module, and a payment verification module. The names of these units or modules do not necessarily limit the specific unit or module itself. For example, the first feature acquisition module can also be described as "a module for receiving hardware wallet information from a hardware wallet reader and acquiring the user's first biometric data based on the hardware wallet information."

[0124] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to include: receiving hardware wallet information from a hardware wallet reader and obtaining first biometric data of a user based on the hardware wallet information, wherein the hardware wallet reader and the hardware wallet interact via near-field communication (NFC) technology; receiving second biometric data of a user from a biometric data collection device; performing feature matching between the first biometric data and the second biometric data to obtain a similarity score; and, if the similarity score reaches a similarity threshold, verifying the transaction and processing the payment.

[0125] According to the technical solution of this invention, by receiving hardware wallet information from a hardware wallet reader and obtaining the user's first biometric data based on the hardware wallet information, the hardware wallet reader and the hardware wallet interact via near-field communication (NFC) technology; receiving the user's second biometric data from a biometric collection device; performing feature matching between the first and second biometric data to obtain a similarity score; and verifying and processing payment when the similarity score reaches a similarity threshold, this technical solution combines the near-field communication capability of the hardware wallet with biometric recognition technologies such as facial recognition and iris recognition for payment. First, the corresponding payer is located via NFC, and then the payer's identity is verified by comparing biometric data. This method is fast in locating the payer and greatly reduces the false positive rate during biometric data comparison, significantly improving comparison efficiency. Furthermore, it eliminates the need for manual payment confirmation by the payer, making the operation more convenient. Therefore, it achieves fast and accurate payment without manual confirmation.

[0126] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A payment method based on a hardware wallet, characterized in that, The hardware wallet is a storage medium with a security chip and supports near-field communication. The method includes: The device receives hardware wallet information from a hardware wallet reader and obtains the user's first biometric data based on the hardware wallet information. The hardware wallet information includes a unique wallet identifier, and the first biometric data is uniquely determined based on the wallet identifier. The hardware wallet reader and the hardware wallet interact with each other via near-field communication technology. Receives second biometric data of the user from a biometric data collection device, wherein the biometric data collection device is a separate device from the hardware wallet reader; The first biometric data and the second biometric data are matched to obtain the similarity. If the similarity reaches the similarity threshold, the verification is successful and payment is processed.

2. The method according to claim 1, characterized in that, The short-range mobile communication technology includes radio frequency identification (RFID) technology and near-field communication (NFC) technology.

3. The method according to claim 1, characterized in that, Obtaining the user's first biometric data based on the hardware wallet information includes: The hardware wallet information is used to interact with the operating institution to obtain user identity information, which includes the first biometric data.

4. The method according to claim 1, characterized in that, Obtaining the user's first biometric data based on the hardware wallet information includes: The system interacts with the operating organization based on the hardware wallet information to obtain user identity information; The user's first biometric data is retrieved from the biometric database based on the user's identity information.

5. The method according to claim 1, characterized in that, The hardware wallet information is obtained through the following methods: If the signature verification between the hardware wallet reader and the hardware wallet is successful via near-field communication technology, the signature can be obtained by the hardware wallet reader from the hardware wallet, or by the hardware wallet reader interacting with the operating institution and obtaining the signature.

6. The method according to claim 1, characterized in that, The second biometric data was obtained through the following methods: When the biometric data collection device displays payment information and prompts the user to collect biometric data, the biometric data collection device collects the user's second biometric data.

7. The method according to claim 6, characterized in that, The payment information includes the payment amount, and the similarity threshold is matched with the payment amount.

8. The method according to claim 1, characterized in that, The first biometric data includes face data and / or iris data.

9. A payment device based on a hardware wallet, characterized in that, The hardware wallet is a storage medium with a security chip and supports near-field communication. The device includes: The first feature acquisition module is used to receive hardware wallet information sent by the hardware wallet reader and acquire the user's first biometric data based on the hardware wallet information. The hardware wallet information includes a unique wallet identifier, and the first biometric data is uniquely determined based on the wallet identifier. The hardware wallet reader and the hardware wallet interact with each other through near-field communication technology. The second feature receiving module is used to receive the user's second biometric data sent by the biometric collection device, wherein the biometric collection device is a separate device from the hardware wallet reader; The feature matching module is used to perform feature matching between the first biometric data and the second biometric data to obtain a similarity. The payment verification module is used to verify and process payment when the similarity reaches a similarity threshold.

10. The apparatus according to claim 9, characterized in that, The short-range mobile communication technology includes radio frequency identification (RFID) technology and near-field communication (NFC) technology.

11. The apparatus according to claim 9, characterized in that, The first feature acquisition module is also used for: The hardware wallet information is used to interact with the operating institution to obtain user identity information, which includes the first biometric data.

12. The apparatus according to claim 9, characterized in that, The first feature acquisition module is also used for: The system interacts with the operating organization based on the hardware wallet information to obtain user identity information; The user's first biometric data is retrieved from the biometric database based on the user's identity information.

13. The apparatus according to claim 9, characterized in that, The hardware wallet information is obtained through the following methods: If the signature verification between the hardware wallet reader and the hardware wallet is successful via near-field communication technology, the signature can be obtained by the hardware wallet reader from the hardware wallet, or by the hardware wallet reader interacting with the operating institution and obtaining the signature.

14. The apparatus according to claim 9, characterized in that, The second biometric data was obtained through the following methods: When the biometric data collection device displays payment information and prompts the user to collect biometric data, the biometric data collection device collects the user's second biometric data.

15. The apparatus according to claim 14, characterized in that, The payment information includes the payment amount, and the similarity threshold is matched with the payment amount.

16. The apparatus according to claim 9, characterized in that, The first biometric data includes face data and / or iris data.

17. A payment system based on a hardware wallet, characterized in that, The hardware wallet is a storage medium with a security chip and supports near-field communication. The system includes: A hardware wallet reader is used to interact with a hardware wallet via near-field communication technology to obtain hardware wallet information and send the hardware wallet information to the payment system backend. A biometric data collection device is used to collect a user's second biometric data and send the second biometric data to the payment system backend. The biometric data collection device is a separate device from the hardware wallet reader. The payment system backend receives hardware wallet information from a hardware wallet reader and obtains the user's first biometric data based on the hardware wallet information. The hardware wallet information includes a unique wallet identifier, and the first biometric data is uniquely determined based on the wallet identifier. It also receives the user's second biometric data from a biometric collection device; performs feature matching between the first and second biometric data to obtain a similarity score; and verifies and processes the payment if the similarity score reaches a similarity threshold.

18. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-8.

19. A payment electronic device based on a hardware wallet, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-8.

20. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-8.

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