Palm print payment implementation method and system based on local all-purpose card

Abstract

The invention relates to a palm print payment implementation method and system based on a local one-card, and belongs to the technical field of electronic payment. The method comprises the following steps: 1) collecting palmprint, performing feature extraction, and sending palmprint features to a biological feature management platform; 2) selecting a palmprint payment device from the payment devices managed by the one-card management platform, and selecting a palmprint payment account from the payment accounts; binding the palmprint payment account with the palmprint payment device, and synchronizing the binding relationship to the Internet of Things platform; and 3) the biological characteristic management platform pulls the palm print payment personnel list through the authorized interface, and issues the palm print characteristic information corresponding to each personnel in the list and the list to the bound palm print payment equipment. The system comprises a palmprint acquisition terminal, a biological characteristic management platform, an all-purpose card management platform, an Internet of Things platform and palmprint payment equipment which are interconnected through a local area network. According to the invention, seamless fusion of a palmprint payment technology and a local all-purpose card payment system is realized.

Description

Technical Field

[0001] The invention belongs to the technical field of electronic payment, and in particular relates to a palmprint payment implementation method and system based on a local card. Background Art

[0002] With the vigorous development of smart campus construction, the campus payment system is moving towards a new stage of comprehensive upgrading. Although various payment methods such as cards, codes, and faces have been widely penetrated, there is still room for improvement in the smoothness and convenience of user experience. Specifically, the traditional card payment method is limited by the inconvenience of carrying physical cards and the risk of easy loss; although QR code payment is popular, it needs to rely on mobile phone APP operation, and the process is slightly cumbersome; although face recognition technology is cutting-edge, it is easily affected by ambient light, and its accuracy and privacy protection need to be strengthened. Palmprint payment is an emerging electronic payment method in recent years. It uses many biometric features on the palm to identify users, such as main lines, wrinkles, fine textures, ridge ends, bifurcation points, etc. Palmprints contain rich feature information, which basically does not change throughout a person's life, and can still be clearly identified in low-resolution and low-quality images. Therefore, compared with payment methods such as cards, codes, and faces, palmprint payment has unique advantages with its high privacy, low environmental dependence, and unparalleled accuracy, uniqueness, convenience, and security.

[0003] However, most of the palm-swipe payment solutions on the market are deployed in the cloud, facing the problems of not being able to effectively guarantee the privacy of palm prints and the security of transaction data, not being compatible with old devices in relatively closed places such as schools and corporate parks, and having low integration with the existing account systems in places such as campuses and corporate parks, and not being able to conduct normal transactions when the network is abnormal and the device is offline. In view of this, new technical means and methods are urgently needed to implement the problem of palm-print payment entering campuses, corporate parks and other places. Summary of the invention

[0004] The purpose of the present invention is to provide a method and system for implementing palmprint payment based on a local one-card system, so as to solve the problem of how to make the palmprint payment method compatible with the existing one-card account system.

[0005] The present invention provides a method for implementing palmprint payment based on a local card to solve the above technical problems, comprising the following steps:

[0006] 1) Collect palmprints, extract features, and send palmprint feature information to the biometric management platform;

[0007] 2) Select a palmprint payment device from the payment devices managed by the one-card management platform, and select a palmprint payment account from the payment accounts managed by the one-card management platform; bind the selected palmprint payment account to the selected palmprint payment device, and synchronize the binding relationship to the Internet of Things platform;

[0008] 3) The biometric management platform pulls the palmprint payment personnel list through the authorized interface, and sends the palmprint feature information corresponding to each person in the palmprint payment personnel list and the palmprint payment personnel list to the palmprint payment device bound to the palmprint payment personnel list;

[0009] The biometric management platform, Internet of Things platform, one-card management platform and palmprint payment device are connected through a local area network.

[0010] Furthermore, in step 2), a palmprint payment device group and a palmprint payment personnel group are created on the one-card management platform, the selected palmprint payment device is added to the palmprint payment device group, and the selected palmprint payment account is added to the palmprint payment personnel group; the payment account in the palmprint payment personnel group is bound to the palmprint payment device in the palmprint payment device group.

[0011] Furthermore, in step 3), when the list of palmprint payment personnel selected by the one-card management platform is updated, or the payment account of the palmprint payment personnel changes, the palmprint feature information and the list of palmprint payment personnel in the palmprint payment device are automatically and synchronously updated.

[0012] Furthermore, in step 1), user identity authentication is performed before palm print collection, and palm print collection is performed after the identity authentication is passed.

[0013] Furthermore, the user identity authentication method adopts any one of the following: 1) swiping the ID card; 2) swiping the one-card card and entering the one-card card password; 3) scanning the identity authentication code.

[0014] The beneficial effects of the method of the present invention are: 1) it can solve the limitation problems of existing card, code and face payment methods; 2) compared with the palmprint payment cloud deployment solutions on the market, it can achieve seamless integration and local deployment of palmprint payment with local one-card systems in campuses, enterprise parks and other places, ensuring that the data does not leave the internal network during the entire process of palmprint collection, feature extraction, storage and transmission, effectively preventing the risk of data leakage, providing teachers and students with a safe payment environment, and solving the problems of account system sharing, data security and privacy leakage; 3) it can make use of existing consumer equipment in schools, enterprise parks and other places, without the need to purchase new terminals, thereby reducing resource investment in schools, enterprise parks and other places.

[0015] The palmprint payment system based on local one-card system provided by the present invention to solve the above technical problems comprises a palmprint collection terminal, a biometric management platform, an all-card management platform, an Internet of Things platform and a palmprint payment device interconnected through a local area network; the palmprint collection terminal is used to collect palmprints, extract features, and send palmprint feature information to the biometric management platform; the all-card management platform is used to select a palmprint payment device from the payment devices managed by itself, and select a palmprint payment account from the payment accounts managed by itself, and bind the selected palmprint payment account with the selected palmprint payment device, and synchronize the binding relationship to the Internet of Things platform; the biometric management platform is used to pull a list of palmprint payment personnel through an authorized interface, and send the palmprint feature information corresponding to each person in the palmprint payment personnel list and the palmprint payment personnel list to the palmprint payment device bound to the palmprint payment personnel list.

[0016] Furthermore, the one-card management platform is also used to create a palmprint payment device group and a palmprint payment personnel group, add the selected palmprint payment device to the palmprint payment device group, add the selected palmprint payment account to the palmprint payment personnel group, and bind the payment account in the palmprint payment personnel group with the palmprint payment device in the palmprint payment device group.

[0017] Furthermore, when the biometric management platform detects that the list of palmprint payment personnel selected by the one-card management platform is updated, or the payment account of the palmprint payment personnel changes, the palmprint feature information and the list of palmprint payment personnel in the palmprint payment device are automatically and synchronously updated.

[0018] Furthermore, the palm print collection terminal is also used for user identity authentication. After the identity authentication is passed, the user is allowed to collect palm prints.

[0019] Furthermore, the user identity authentication method adopts any one of the following: 1) swiping the ID card; 2) swiping the one-card card and entering the one-card card password; 3) scanning the identity authentication code.

[0020] The beneficial effects of the system of the present invention are: 1) It can solve the limitations of existing card, code and face payment methods; 2) Compared with the palmprint payment cloud deployment solutions on the market, it can achieve seamless integration and local deployment of palmprint payment with local cards in campuses, enterprise parks and other places, ensuring that the data does not leave the internal network during the entire process of palmprint collection, feature extraction, storage and transmission, effectively preventing the risk of data leakage, providing teachers and students with a safe payment environment, and solving the problems of account system sharing, data security and privacy leakage; 3) It can utilize existing consumer equipment in schools, enterprise parks and other places, without the need to purchase new terminals, thereby reducing resource investment in schools, enterprise parks and other places. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 It is a schematic diagram of the local area network deployment of the palmprint payment system based on the all-in-one card according to an embodiment of the present invention;

[0022] Figure 2 This is a data interaction diagram of a palmprint payment system based on an all-in-one card according to an embodiment of the present invention;

[0023] Figure 3 This is a data flow sequence diagram of a palmprint payment system based on an all-in-one card according to an embodiment of the present invention;

[0024] Figure 4 This is a schematic diagram of a palmprint collection terminal collection interface according to an embodiment of the present invention;

[0025] Figure 5 This is a schematic diagram of the front screen interface of a consumer POS machine according to an embodiment of the present invention;

[0026] Figure 6 This is a schematic diagram of an operation interface for adding a palmprint payment device in an integrated card management platform according to an embodiment of the present invention;

[0027] Figure 7 This is a schematic diagram of an operation interface for creating a palmprint payment device group in an integrated card management platform according to an embodiment of the present invention;

[0028] Figure 8 It is a schematic diagram of an operation interface for creating different types of palmprint payment device groups in an all-in-one card management platform according to an embodiment of the present invention;

[0029] Fig. 9 This is a schematic diagram of an operation interface for creating a palmprint payment personnel group in an all-in-one card management platform according to an embodiment of the present invention;

[0030] Fig.10 This is a schematic diagram of an operation interface for adding a palmprint payment person in an all-in-one card management platform according to an embodiment of the present invention;

[0031] Fig.11 This is a schematic diagram of an operation interface for device group binding in an all-in-one card management platform according to an embodiment of the present invention;

[0032] Fig.12 This is a schematic diagram of the operation interface for interface allocation in the one-card service open platform according to an embodiment of the present invention. Figure 1 ;

[0033] Fig.13 This is a schematic diagram of the operation interface for interface allocation in the one-card service open platform according to an embodiment of the present invention. Figure 2 ;

[0034] Fig.14 This is a schematic diagram of the operation interface for interface allocation in the one-card service open platform according to an embodiment of the present invention. Figure 3 ;

[0035] Fig.15 This is a diagram of an operation interface for creating a palmprint collection device on an Internet of Things platform according to an embodiment of the present invention. DETAILED DESCRIPTION

[0036] The specific implementation of the present invention will be further described below in conjunction with the accompanying drawings.

[0037] The basic idea of ​​the present invention is to seamlessly integrate the palmprint payment technology with the local card payment system, and use the existing local consumer terminals to realize palmprint payment without purchasing new consumer terminals, thereby reducing economic costs.

[0038] A palmprint payment implementation method based on local card

[0039] Based on the above basic idea, the method of the present invention comprises the following steps:

[0040] 1) Collect palmprints, extract features, and send palmprint feature information to the biometric management platform;

[0041] 2) Select a palmprint payment device from the payment devices managed by the one-card management platform, and select a palmprint payment account from the payment accounts managed by the one-card management platform; bind the selected palmprint payment account to the selected palmprint payment device, and synchronize the binding relationship to the Internet of Things platform;

[0042] 3) The biometric management platform pulls the palmprint payment personnel list through the authorized interface, and sends the palmprint feature information corresponding to each person in the palmprint payment personnel list and the palmprint payment personnel list to the palmprint payment device bound to the palmprint payment personnel list;

[0043] The biometric management platform, Internet of Things platform, one-card management platform and palmprint payment device are connected through a local area network.

[0044] In order to more conveniently bind the palmprint payment account with the selected palmprint payment device, in step 2), a palmprint payment device group and a palmprint payment personnel group are created on the one-card management platform, the selected palmprint payment device is added to the palmprint payment device group, and the selected palmprint payment account is added to the palmprint payment personnel group; the payment account in the palmprint payment personnel group is bound to the palmprint payment device in the palmprint payment device group.

[0045] In order to meet the palmprint payment needs of users in a timely manner, in step 3), when the list of palmprint payment personnel selected by the one-card management platform is updated, or the payment account of the palmprint payment personnel changes, the palmprint feature information and the list of palmprint payment personnel in the palmprint payment device are automatically and synchronously updated.

[0046] In order to ensure the security of the payment system, in step 1), user identity authentication is performed before palm print collection, and palm print collection is performed after identity authentication is passed. The user identity authentication method adopts any of the following: 1) swipe the ID card; 2) swipe the card and enter the card password; 3) scan the identity authentication code.

[0047] The authorization interface of the biometric management platform is set up through the one-card business open platform. The one-card business open platform is an important service platform under the one-card business. It is responsible for the interface definition allocation of the one-card management platform and the business connection between the one-card management platform, the biometric management platform, and the Internet of Things.

[0048] The technical solution of the present invention is further described in detail below by taking a campus card as an example.

[0049] like Figure 1 As shown in the figure, the palmprint payment system of the campus card includes a palmprint collection terminal, a biometric management platform, a card management platform, an Internet of Things platform, a server and a consumer POS machine interconnected through a local area network. Among them, the consumer POS machine is a consumer terminal deployed at different points on campus, such as the consumption window of the school restaurant, the cashier counter of the school supermarket, and the entrance of the school bathroom. The palmprint collection terminal is used to collect the user's palmprint information and upload the palmprint information to the biometric management platform. The biometric management platform is used to receive the palmprint information uploaded by the palmprint collection terminal, and is also used to send the palmprint characteristics and authorization list of the corresponding personnel to the corresponding consumer POS machine according to the personnel list sent by the card management platform. The card management platform is used to manage user accounts and various payment method settings.

[0050] Based on the above system, Figure 2 , 3 As shown, the payment method of the present invention comprises the following steps:

[0051] 1. Palmprint collection

[0052] Connect the palm print collection device to the Internet of Things. Specifically include: Fig.15 As shown, create a new palmprint collection device area under the authentication area of ​​the Internet of Things platform, create a new palmprint collection device under the authentication device, and configure the parameters for connecting to the Internet of Things platform, including the port number, service address, and terminal identifier.

[0053] Palmprint collection is performed using a palmprint collection device connected to the Internet of Things. Specifically, the user first performs identity authentication at the collection terminal, such as Figure 4As shown in the figure, the authentication methods include but are not limited to swiping campus card + entering password, reverse scanning campus code, swiping ID card, etc. As long as any one of the methods is successfully verified, it will be fine. After the identity authentication is passed, the user shows his palm and ensures that the palm is in the specified area of ​​the screen. The device's high-definition binocular detection camera automatically scans and captures the palm image. These images contain the main lines of the palm print, wrinkles, fine textures, ridge ends, bifurcation points and other feature information.

[0054] 2. Feature extraction

[0055] After the shooting is completed, the acquisition terminal uses image processing technology and machine learning algorithms to extract the characteristic points (such as lines, lines, shapes, etc.) in the palm print image, and converts them into a data format that can be processed by a computer to form palm print features and upload them to the biometric management platform. Image processing technology and machine learning algorithms belong to the existing technology and will not be described in detail here.

[0056] 3. Palm print

[0057] like Figure 2 , 3 As shown, the palm print sending includes the following steps:

[0058] 1) Add palmprint payment device to the One Card platform.

[0059] like Figure 6 As shown in the figure, in the one-card platform system, many payment devices are connected, such as POS machines that swipe cards, POS machines that support facial payment, POS machines that support palmprint payment, etc. However, only POS machines with cameras have the ability to recognize palmprints. Therefore, managers can log in to the one-card management platform to set the POS machines with palmprint recognition capabilities among the existing payment devices as palmprint payment devices, such as POS machines that support facial payment. Specifically, Figure 6 In the interface shown, if the consumption terminal is set as a palmprint payment device, select "Yes" in the option of whether to use a palmprint device, otherwise select "No".

[0060] like Figure 7 As shown in FIG. 1 , a palmprint payment device group is created in the one-card management platform. Figure 8 As shown, these palm print payment device groups can be further divided according to user types, such as divided into teacher palm print payment device group, student palm print payment device group, etc. The payment devices in the teacher palm print payment device group refer to terminal devices that only allow teachers to consume, such as POS machines set up in the teacher's restaurant. The devices in the student palm print payment device group refer to terminal devices that allow students to consume, such as POS machines in student restaurants, school supermarkets, and student bathhouses.

[0061] 2) Establish binding relationships between personnel, personnel groups, and equipment groups. On campus, there are many types of users who use the one-card payment system, including teachers, students, logistics support personnel, and management personnel. Therefore, corresponding accounts are established in the one-card platform system, namely student accounts, teacher accounts, logistics support personnel, and management personnel accounts. When implementing palmprint payment in the one-card payment system, you can create a palmprint payment personnel group in the one-card management platform, and add accounts that are allowed to make palmprint payments to the palmprint payment personnel group, such as Fig. 9 , 10 As shown. The palmprint payment personnel group can also be further divided according to user type, into student palmprint payment personnel group, teacher palmprint payment personnel group, etc. Bind the accounts in the palmprint payment personnel group with the corresponding palmprint payment device group to ensure that the selected personnel can perform palmprint payment on these palmprint payment devices, such as Fig.11 As shown. For example, bind the teacher and the corresponding teacher account to the consumer terminal in the teacher palm print payment device group, and bind the student and the corresponding student account to the consumer terminal in the student palm print payment device group. Then synchronize the binding relationship to the school IoT platform.

[0062] When performing palmprint payment on payment devices that have been added to the one-card business system, there is no need to configure the IoT platform port number and address. However, for palmprint payment devices that are newly added to the one-card business system, the IoT platform port number and address must be configured to activate the device.

[0063] 3) Send the palm print information to the palm print payment device. Fig.12 , 13 As shown in , 14, the biometric management platform pulls the personnel group list through the one-card business open platform authorization interface, and sends the palm print feature information and authorization list of the corresponding list to the corresponding palm print payment device.

[0064] Preferably, if the backend reselects the personnel allowed to use palmprint payment, or the accounts of these personnel change, the palmprint feature information and the authorization list sent to the palmprint payment device will be automatically and synchronously updated in real time.

[0065] 4. Pay with your palm

[0066] like Figure 5 As shown, after the merchant enters the amount on the back screen of the palmprint payment device and clicks OK, if the user selects palmprint payment on the front screen, the merchant enters the palmprint recognition interface and presents the palm at a set distance from the device. The palmprint payment terminal uses image recognition and near-infrared light reflection principles to compare the captured palmprint features with the pre-stored palmprint features to determine whether the user's identity is legal. If the comparison is consistent, the payment is successful and the corresponding amount is deducted from the campus card account. The set distance range is 10-20CM.

[0067] 5. Record upload

[0068] Under normal network communication conditions, the transaction records generated by the palmprint payment terminal are immediately uploaded to the one-card platform through the Internet of Things to form a transaction flow, so as to facilitate subsequent data report generation and statistical analysis. When the device is offline, the transaction records are temporarily stored in the palmprint payment terminal and will be uploaded uniformly after it is online.

[0069] The technical solution of the present invention is further illustrated below by taking two specific consumption occasions on campus as examples.

[0070] 1) Restaurant payment by swiping your palm

[0071] Students swipe their cards and enter their campus card passwords on the deployed palm print collection terminal in advance, or present their campus codes and scan them at the device scanning terminal for identity verification. After successful verification and agreement to the collection agreement, palm print collection is carried out. After successful palm print collection, the system sends the palm print features and corresponding identity information to the biometric management platform. After the one-card management platform binds the personnel group and the equipment group, the biometric management platform distributes the personnel list and the corresponding palm print features to the restaurant's consumption terminals.

[0072] After students enter the restaurant, they only need to swipe their palms on any consumption terminal, and the system will quickly compare the palm print information. After successful verification, the corresponding meal fee will be directly deducted from the student's campus card balance to complete the meal payment.

[0073] 2) Shopping in supermarkets with palm scanning

[0074] Students swipe their cards and enter their campus card passwords on the deployed palm print collection terminal in advance, or present their campus codes and scan them at the device scanning terminal for identity verification. After successful verification and agreement to the collection agreement, palm print collection is carried out. After successful palm print collection, the system sends the palm print features and corresponding identity information to the biometric management platform. After the one-card management platform binds the personnel group and the equipment group, the biometric management platform distributes the personnel list and the corresponding palm print features to the shopping terminals in the supermarket.

[0075] After students purchase goods in the supermarket, they go to the checkout counter to pay by swiping their palms. After the system compares the palm print information and finds it consistent, it automatically deducts the corresponding amount from the campus card balance to complete the shopping payment.

[0076] A palmprint payment system implementation based on local card

[0077] The system of this embodiment includes a palmprint collection terminal, a biometric management platform, a one-card management platform, an Internet of Things platform, and a palmprint payment device interconnected via a local area network. The specific functions and effects of the above-mentioned devices refer to the above-mentioned palmprint payment implementation method based on a local one-card, which will not be described in detail here.

[0078] Compared with palmprint payment cloud deployment solutions on the market, the solution of the present invention has the following advantages:

[0079] 1) In terms of security, the present invention relies on the biometric uniqueness and high privacy of palm prints to build an insurmountable security barrier and effectively resist fraud risks.

[0080] It seamlessly integrates palmprint payment with the one-card system and supports local deployment, ensuring that the data does not leave the internal network during the entire process of palmprint collection, feature extraction, storage and transmission, effectively preventing the risk of data leakage and providing teachers and students with a safe payment environment.

[0081] 2) In terms of convenience, users do not need to carry additional equipment (physical cards or mobile phones) and can complete payments with just their hands, greatly improving payment efficiency and convenience.

[0082] 3) In terms of stability, the palm print features are stable and not affected by the external environment, ensuring the continuous reliability of the payment process.

[0083] 4) In terms of hygiene, air sensing, no need to touch, and contactless authentication can effectively reduce the spread of bacteria.

[0084] 5) In terms of economic cost, when schools expand palm print payment, they support the upgrade and reuse of existing consumer POS machines. There is no need to purchase additional new consumer POS machines. The existing consumer terminal APK can be upgraded to the latest version to support palm print payment, making full use of the existing mature account system and financial statements, effectively helping the school improve resource utilization, avoid unnecessary capital investment, and have low economic costs.

[0085] Palm print features and lists are sent to terminals, which support offline transactions. Consumption is directly deducted from the One-Card balance, and transaction data is uploaded to the One-Card platform to form statistical reports. The financial account system remains unchanged, and there is no additional learning cost for user card services and financial personnel.

[0086] 6) In terms of flexible payment methods, after integration with the all-in-one card, palmprint collection uses the existing identity system to support multiple authentication methods such as swiping cards, scanning codes, and swiping ID cards for palmprint collection. Compared with the single scanning code collection on the market, the collection method is more flexible and diverse; in terms of payment experience, the present invention innovatively introduces palmprint payment while also being compatible with existing swiping cards and scanning codes. A consumer machine can support palm swiping, card swiping, and scanning codes at the same time. Compared with the single palmprint payment terminal on the market, the present invention gives users a higher degree of freedom and choice in payment method selection.

[0087] 7) In terms of system availability, the consumer terminal can be configured with an eight-core high-performance processor, the payment process is in milliseconds and supports offline transactions, ensuring high system availability and response efficiency, and solving problems such as high concurrency and network anomalies that prevent consumption.

[0088] To sum up, the palmprint payment implementation method and system based on the local card proposed in the present invention perform well in terms of security, convenience, stability and privacy protection. It not only provides campus teachers and students and the majority of users with an efficient, safe and worry-free payment experience, but also saves resource investment for the school, thereby reducing costs and increasing efficiency.

Claims

1. A palmprint payment implementation method based on a local card, characterized in that: The method comprises the following steps: 1) Collect palmprints, extract features, and send palmprint feature information to the biometric management platform; 2) Select a palmprint payment device from the payment devices managed by the one-card management platform, and select a palmprint payment account from the payment accounts managed by the one-card management platform; bind the selected palmprint payment account to the selected palmprint payment device, and synchronize the binding relationship to the Internet of Things platform; 3) The biometric management platform pulls the palmprint payment personnel list through the authorized interface, and sends the palmprint feature information corresponding to each person in the palmprint payment personnel list and the palmprint payment personnel list to the palmprint payment device bound to the palmprint payment personnel list; The biometric management platform, Internet of Things platform, one-card management platform and palmprint payment device are connected through a local area network.

2. The palmprint payment implementation method based on local card according to claim 1 is characterized in that: In step 2), create a palmprint payment device group and a palmprint payment personnel group on the one-card management platform, add the selected palmprint payment device to the palmprint payment device group, and add the selected palmprint payment account to the palmprint payment personnel group; bind the payment account in the palmprint payment personnel group to the palmprint payment device in the palmprint payment device group.

3. The palmprint payment implementation method based on local card according to claim 1 is characterized in that: In step 3), when the list of palmprint payment personnel selected by the one-card management platform is updated, or the payment account of the palmprint payment personnel changes, the palmprint feature information and the list of palmprint payment personnel in the palmprint payment device are automatically and synchronously updated.

4. The palmprint payment implementation method based on local card according to claim 1 is characterized in that: In step 1), user identity authentication is performed before palm print collection, and palm print collection is performed after the identity authentication is passed.

5. The palmprint payment implementation method based on local card according to claim 4 is characterized in that: The user identity authentication method is any of the following: 1) swiping the ID card; 2) swiping the one-card card and entering the one-card card password; 3) scanning the identity authentication code.

6. A palmprint payment system based on a local card, characterized in that: The system includes a palmprint collection terminal, a biometric management platform, an all-in-one card management platform, an Internet of Things platform and a palmprint payment device interconnected through a local area network; the palmprint collection terminal is used to collect palmprints, extract features, and send palmprint feature information to the biometric management platform; the all-in-one card management platform is used to select a palmprint payment device from the payment devices managed by itself, and select a palmprint payment account from the payment accounts managed by itself, and bind the selected palmprint payment account to the selected palmprint payment device, and synchronize the binding relationship to the Internet of Things platform; The biometric management platform is used to pull the palmprint payment personnel list through the authorized interface, and send the palmprint feature information corresponding to each person in the palmprint payment personnel list and the palmprint payment personnel list to the palmprint payment device bound to the palmprint payment personnel list.

7. The palmprint payment system based on local card according to claim 6 is characterized in that: The one-card management platform is also used to create a palmprint payment device group and a palmprint payment personnel group, add the selected palmprint payment device to the palmprint payment device group, add the selected palmprint payment account to the palmprint payment personnel group, and bind the payment account in the palmprint payment personnel group with the palmprint payment device in the palmprint payment device group.

8. The palmprint payment system based on local card according to claim 6 is characterized in that: When the biometric management platform detects that the list of palmprint payment personnel selected by the one-card management platform is updated, or the payment account of the palmprint payment personnel changes, the palmprint feature information and the list of palmprint payment personnel in the palmprint payment device are automatically and synchronously updated.

9. The palmprint payment system based on local card according to claim 6 is characterized in that: The palm print collection terminal is also used for user identity authentication. After the identity authentication is passed, the user is allowed to collect palm prints.

10. The palmprint payment system based on local card according to claim 9 is characterized in that: The user identity authentication method is any of the following: 1) swiping the ID card; 2) swiping the one-card card and entering the one-card card password; 3) scanning the identity authentication code.

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