ELECTRONIC PAYMENT SYSTEM AND METHOD

摘要

The invention discloses a payment system and method based on biometric authentication. The payment system comprises a biometric authentication device, a mobile terminal and an authorization payment subsystem. The biometric authentication device is used for extraction biometric information of a user and storing the biometric information and the authorization payment information of the receiving party, and the authorization payment information is transmitted to the mobile terminal after the biometric information is authenticated by the biometric authentication device. The mobile terminal is provided with a short-distance communication module, and the biometric information and the authorization payment information is transmitted between the mobile terminal and the authorization payment subsystem so that short-distance payment is achieved. The authorization payment subsystem is used for matching the payment information contained in the payment request with the user information stored in the authorization payment subsystem when receiving a payment request from the mobile terminal. The safety of payment can be guaranteed for a user due to the dual confirmation in the invention.

主权项

1. An electronic payment system, comprising:
an authorization payment subsystem; and
a mobile terminal which is provided with a micro-processing chip and a biometric authentication device, the micro-processing chip comprising a first micro-processing unit for controlling the communication between the mobile terminal and the authorization payment subsystem, and a second micro-processing unit for encrypting or decrypting the data to be transferred between the mobile terminal and the authorization payment subsystem; wherein when payment is achieved via internet by a user, a confirmation message is received by the mobile terminal from the authorization payment subsystem, and a message code is input via the mobile terminal, and then the message code is transmitted to the authorization payment subsystem via a communication interface under the control of the first micro-processing unit, thereby achieving the preliminary confirmation; and identity authentication is performed on the user by means of the biometric authentication device, an encrypted random confirmation code is generated by the second micro-processing unit according to an authorization payment protocol permitted by the authorization payment subsystem, and then the random confirmation code is transmitted to the authorization payment subsystem via the communication interface under the control of the first micro-processing unit, thereby achieving the secondary confirmation.