电子支付系统及电子支付方法;Amethod of payment and payment systems based on biometric authentication

摘要

本发明公开了一种基于生物认证的支付系统及支付方法。其中，支付系统包括：生物特征确认装置、移动终端、授权支付子系统；生物特征确认装置，用于提取使用者的生物资讯，并存储生物特征资讯以及存储被支付方的授权支付资讯，在生物特征确认装置将生物特征资讯认证通过后将授权支付资讯发送给移动终端；移动终端，设置有近距离通信模组，用于与生物特征确认装置近距离传输生物特征资讯和该授权支付资讯，以及实现近距离支付；移动终端还用于与授权支付子系统进行确认；授权支付子系统，用于在接收到来自移动终端的支付请求时，通过将支付请求中携带的支付资讯与存储在授权支付子系统中的使用者资讯进行匹配。本发明可以双重保障用户支付的安全性。; biometric confirmation means for extracting user's biometric information, and stores the biometric information and payment authorization storing party payment information, biometric Claim biometric information authentication device will authorize payment information transmitted by the mobile terminal; mobile terminal is provided with short-range communication module for biometric checking device close to the biometric information and the transmission of payment authorization information, and pay close range; mobile terminal is also used to confirm the payment subsystem and the authorization; authorize payment subsystem for, when receiving the payment request from the mobile terminal carried by the payment request and the payment information is stored in the payment authorization subsystem user information match. The present invention can protect the user double payment security.;