Camera-based security payment method

Abstract

Disclosed in the invention is a camera-base security payment method. The camera is arranged at an electronic terminal of a user; and the electronic terminal includes positioning equipment. The method comprises the following steps that: the electronic terminal carries out equipment authority verification according to positioning information of the positioning equipment and media access control (MAC) address of the terminal itself; after the equipment authority verification is done successfully, the camera is started automatically and carries out scanning on a credit card belonging to the user; image processing is carried out on scanning data to obtain user credit card information; and on the basis of combination of a payment password inputted by the user, payment is completed at a remote payment server. According to the security payment method, before the camera scans the credit card information of the user, the step of equipment authority verification of the payment equipment is added, thereby improving usability, portability and security of electronic transaction of the user. Meanwhile, because of the special image processing algorithm, high-efficiency identification of credit card data is realized.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to a security payment method based on a camera. Background technique [0002] With the development of science and technology, the software and hardware of electronic terminals have met the various needs of electronic payment. As an emerging consumption settlement method, payment through electronic terminals is more and more favored by merchants and consumers. Nowadays, it is no longer a new thing to complete electronic payment behaviors such as utility bill payment and shopping on personal computers or mobile phones. At the same time, in order to ensure the safety of the payment process, the bank has introduced means such as USB Key, dynamic mouth token, audio interface card swiping device and digital certificate, so as to facilitate users to realize electronic payment. However, some of the devices used in these electronic payment methods are external hardware devices. Users not o...

AI Technical Summary

Problems solved by technology

[0005] Aiming at the technical problems of low security and low payment efficiency of the existing camera-based payment method, the present invention provides a camera-based secure payment method, so that on the basis of the existing camera-based payment scheme, an increase of For the verification step of the device authority of the electronic terminal for payment, at the same time, it assists in identifying the data of the user's credit card with an efficient data identification method, so as to ensure the safety and efficiency of the user's payment without affecting the convenience of electronic payment based on the camera , providing an effective barrier for the rights and interests of users and merchants

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