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Mobile payment method and equipment for implementing same

A mobile payment and mobile terminal technology, applied in branch equipment, complete banking system, character and pattern recognition, etc., can solve the problem of being stolen or lost, and achieve the goal of not easy to be stolen, high anti-counterfeiting, and small amount of modification. Effect

Inactive Publication Date: 2012-01-11
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, such a security mechanism is still fragile, because mobile terminals such as mobile phones have become an indispensable communication or transaction tool in daily life, and they are inevitably stolen or lost every day.

Method used

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  • Mobile payment method and equipment for implementing same
  • Mobile payment method and equipment for implementing same
  • Mobile payment method and equipment for implementing same

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0061] Embodiments of the present invention will be specifically described below based on the drawings showing the embodiments of the present invention.

[0062] iris recognition

[0063] The iris is a ring-shaped part located between the black pupil and the white sclera of the eye. It generally presents a radial structure from the inside to the outside. It is composed of quite complex fibrous tissues, including many interlaced spots and filaments. , crown, stripes, crypts and other detailed features, these features are determined in a random combination before birth, and once formed remain unchanged for life, the accuracy of iris recognition is the highest among various biometrics. The iris recognition technology converts the visual characteristics of the iris into iris codes of several bytes, and the code template (hereinafter also referred to as iris template information) is stored for later identification.

[0064] can be used figure 2 Shown way to get iris template inf...

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Abstract

The invention relates to an electronic payment technology, in particular to a mobile payment method, and a mobile terminal and a payment processing system for implementing the mobile payment method. According to the invention, the mobile payment method comprises the following steps of: acquiring an iris image of a user by using the mobile terminal which is provided with an image acquisition unit; determining the identity of the user according to the acquired iris image; and with the payment processing system, performing payment processing by using a judgment result. Compared with the conventional mobile payment method, the embodiment of the invention has the advantages that: by using iris information as the authentication information of the identity of the user, the safety of the payment service of a mobile phone is greatly improved; and by using the iris information, the burden on password memorization of the user is eliminated. In the embodiment of the invention, the safety capacity of a smart card technology is fully utilized in the processing of the iris information. Moreover, a camera serves as the standard hardware configuration of the mobile terminal such as the mobile phone, so system hardware can be less modified by using the iris information, stead of password inputting.

Description

technical field [0001] The invention relates to electronic payment technology, in particular to a mobile payment method, a mobile terminal and a payment processing system for realizing the method. Background technique [0002] Mobile payment allows mobile users to use their mobile terminals (such as mobile phones) to pay for the goods or services they consume. As an emerging fee settlement method, it is increasingly favored by mobile operators, merchants and consumers due to its advantages of convenience, speed, and low cost. [0003] figure 1 It is a schematic diagram of a typical mobile payment process. Such as figure 1 As shown, after the user orders goods or services from the merchant, the payment processing system 100 authenticates the user's identity through the mobile terminal 200. 100 compares the received identity information with the pre-stored information, and if they match, it determines that the user's identity is legal, so that the user can authorize the pa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G06K9/00H04M1/725H04M1/72454
Inventor 才华鲁志军何朔
Owner CHINA UNIONPAY
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