Payment method and payment system

A payment system and financial system technology, applied in the field of payment method and its payment system, can solve the problems of limited personal identity information, consumer loss, overdraft cash, etc., to prevent fraudulent consumer card transactions, improve security, and avoid embezzlement Effect

Inactive Publication Date: 2012-09-19
王涛
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, although the use of bank cards has brought a lot of convenience and quickness to consumers' life and work, but with the popularization of bank cards, high-tech crimes against bank cards are also increasing year by year. The personal identity information involved in bank cards is limited. Criminals often take advantage of this defect to steal or crack consumers' card numbers and passwords by various means, so as to achieve the purpose of embezzling consumption and maliciously overdrafting cash, bringing harm to the victimized consumers. come a considerable loss

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0035] This embodiment provides a payment system, which includes a user terminal, an information delivery system, and a financial system connected to it in a wireless or wired manner, wherein the user terminal includes a user terminal that is commonly accommodated in a mobile communication device. The financial service terminal for recording the user's personal financial information and the mobile communication terminal for recording the user's personal communication information. The personal communication information and the corresponding personal financial information are bound to each other. When the transaction is paid, the financial system will feed back the transaction completion information to the mobile communication terminal.

[0036] Wherein, the financial system is used to provide financial services, preferably a banking financial system. The mobile communication device can be various handheld communication devices, such as mobile phones, PDAs, palmtop computers, et...

Embodiment 2

[0042] In a preferred embodiment of the present invention, another payment system is provided, which includes:

[0043]User terminal, information transmission system, fingerprint input system, financial system and fingerprint database, user terminal, information transmission system are respectively connected with financial system through wireless or wired way, fingerprint input system and fingerprint database are also connected through wireless or wired way China Unicom, wherein the user terminal includes a financial service terminal for recording the user's personal financial information and a mobile communication terminal for recording the user's personal communication information, which are jointly accommodated in the mobile communication device, and the personal communication information is related to the corresponding Binding of personal financial information and / or fingerprint information, when the financial service terminal is successfully connected with the financial sy...

Embodiment 3

[0085] In a preferred embodiment of the present invention, in step 3), further include the following steps:

[0086] Step 31) Perform password verification: input the password information through the password input system of the information delivery system, transmit it to the financial system, compare the input password information with the initially set password information, if they are consistent, then the password verification is passed, and if they are not consistent , the password verification fails;

[0087] Step 32) Perform fingerprint verification: scan and enter the fingerprint through the fingerprint reading module of the fingerprint input device, the fingerprint transmission module transmits the entered fingerprint pattern information to the fingerprint database for verification, and uses a feature comparison algorithm to compare the entered fingerprint information with the initial The fingerprint information is compared and analyzed, and if it is judged to be the s...

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PUM

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Abstract

The invention relates to a payment system, comprising a user terminal, an information transmitting system, a fingerprint input system, a financial system and a fingerprint database; the user terminal and the information transmitting system are respectively communicated with the financial system in a wire or wireless mode; the fingerprint input system also is communicates with the fingerprint database in the wire or wireless mode, wherein the user terminal comprises a financial service terminal for recording personal financial information of users and a mobile communication terminal for recording personal communication information of users, which are commonly contained in a mobile communication device; the personal communication information is bound with corresponding personal financial information and / or fingerprint information; when the financial service terminal is communicated with the financial system successfully, and trading payment is finished, the financial system feeds trading finish information back to the mobile communication terminal. The invention further provides a payment method. The payment system and the payment method have convenience for use and also have high security for trading so as to fundamentally eliminate phenomenon that cards are embezzled.

Description

technical field [0001] The invention relates to a payment method and its payment system, in particular to a payment method and its payment system that is not only convenient to use but also has high transaction security. Background technique [0002] At present, although the use of bank cards has brought a lot of convenience and quickness to consumers' life and work, but with the popularization of bank cards, high-tech crimes against bank cards are also increasing year by year. The personal identity information involved in bank cards is limited. Criminals often take advantage of this defect to steal or crack consumers' card numbers and passwords by various means, so as to achieve the purpose of embezzling consumption and maliciously overdrafting cash, bringing harm to the victimized consumers. There came considerable losses. [0003] Therefore, it is necessary to provide a payment system and a payment method thereof which are convenient to use and have high transaction secu...

Claims

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Application Information

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IPC IPC(8): G06Q20/30G06Q20/40
Inventor 王涛
Owner 王涛
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