WO2012034313A1

WO2012034313A1 - Mobile terminal payment method and mobile terminal

Info

Publication number: WO2012034313A1
Application number: PCT/CN2010/078908
Authority: WO
Inventors: 李华
Original assignee: 中兴通讯股份有限公司
Priority date: 2010-09-13
Filing date: 2010-11-19
Publication date: 2012-03-22
Also published as: CN101964126A

Abstract

A mobile terminal payment method and mobile terminal are disclosed in the present invention. The method includes that: a mobile terminal collects body characteristic data; the mobile terminal judges whether the collected body characteristic data accords with prestored body characteristic data; and if the judgement result is yes, the mobile terminal payment is performed. With the present invention, the security of the mobile terminal payment is enhanced.

Description

The present invention relates to the field of communications, and in particular to a mobile terminal payment method and a mobile terminal. BACKGROUND OF THE INVENTION Mobile terminal (mobile phone) payment technology is currently developing rapidly, and payment functions are getting more and more applications on mobile terminals. Mobile phones will replace bank cards and replace bank card payments soon. In addition to payment with the city bus credit card system, mobile terminal payment (mobile payment) can also be bundled and paid with the UnionPay system, and the amount involved will be larger and larger. Therefore, the security of mobile terminals (mobile payment) has become more and more important. In the related art, the mobile terminal generally uses the method of inputting a password, and the user is required to input the password one by one. This method may cause the security performance and efficiency of the payment of the mobile terminal to be relatively slim. For example: If the password is too long, the user operation is not convenient, and it is not easy to remember. If the password length is short, it is easy to be cracked. 釆With the password input method, the password is easy to leak, and the password is not easy to remember after tampering; when the mobile terminal is lost or loaned to others When used, the bank account number of the mobile terminal holder may be jeopardized, and a large property loss occurs. SUMMARY OF THE INVENTION A primary object of the present invention is to provide a mobile terminal payment method and a mobile terminal, which are capable of solving the above-mentioned related art, and adopting a method of inputting a password to perform mobile terminal payment, which is relatively low in security performance and efficiency of mobile terminal payment. problem. In order to achieve the above object, according to an aspect of the present invention, a mobile terminal payment method is provided. The mobile terminal payment method according to the present invention includes: the mobile terminal collects the human body feature data; the mobile terminal determines whether the collected human body feature data and the pre-stored human body feature data are consistent; if the determination result is consistent, the mobile terminal pays. Further, before collecting the human body feature data, the method further includes: the mobile terminal pre-collecting the human body Feature data; The mobile terminal saves the previously collected human body feature data to a server of the payer platform. Further, determining whether the collected human body feature data and the pre-stored human body feature data are consistent comprises: accessing a server of the payer platform, and acquiring human body feature data stored in a server of the payer platform, wherein, by one of the following methods The server accessing the payer platform: wireless fidelity (WiFi), mobile communication network, and wired communication network; determining whether the collected human body characteristic data and the human body characteristic data of the server stored on the payer platform are consistent. Further, before collecting the human body feature data, the method further includes: the mobile terminal pre-collecting the human body feature data; the mobile terminal encrypts the pre-collected human body feature data, and saves the encrypted human body feature data in the mobile terminal. Further, the password and the instruction from the payer platform are received by the identifier corresponding to the mobile terminal and the payer platform, and the mobile terminal payment function is turned on and off using the password and the command. Further, the human body characteristic data includes: a fingerprint, a face, an iris, or a human voice. In order to achieve the above object, in another aspect of the present invention, a mobile terminal is provided. The mobile terminal according to the present invention includes: a collection module for collecting human body feature data; a determination module, configured to determine whether the collected human body feature data and the pre-stored human body feature data are consistent; and a payment module, configured to determine the result For consistency, make mobile terminal payments. Further, the mobile terminal further includes: a first pre-collection module, configured to pre-collect human body feature data; and a first saving module, configured to save the pre-collected human body feature data to a server of the payer platform. Further, the determining module includes: an obtaining submodule, configured to access a server of the payer platform, and acquiring human body characteristic data of the server stored in the payer platform, wherein the server of the payer platform is accessed by one of the following methods : Wireless Fidelity (WiFi), mobile communication network, and wired communication network; a judging sub-module for judging whether the collected human body characteristic data and the human body characteristic data of the server stored on the payer platform are consistent. Further, the mobile terminal further includes: a second pre-collection module, configured to pre-collect human body feature data; and a second saving module, configured to encrypt the pre-collected human body feature data, and encrypt the human body feature The data is saved in the mobile terminal. Further, the mobile terminal further includes: a receiving module, configured to receive a password and an instruction from the payer platform by using an identifier corresponding to the mobile terminal and the payer platform; and a payment function opening and closing module, configured to open and close the mobile by using a password and an instruction. Terminal payment function. Further, the human body characteristic data includes: a fingerprint, a face, an iris, or a human voice. According to the present invention, it is determined whether the human body feature data collected by the user is consistent with the pre-stored human body feature data to determine whether to perform mobile terminal payment, and the related art uses the method of inputting a password to perform mobile terminal payment. The security performance and efficiency of the terminal payment are relatively low, thereby achieving the effect of improving the security and efficiency of the payment of the mobile terminal. BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are set to illustrate,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow chart of a mobile terminal payment according to an embodiment of the present invention; FIG. 2 is a structural block diagram of a mobile terminal according to an embodiment of the present invention; FIG. 3 is a preferred embodiment of a mobile terminal according to an embodiment of the present invention. Figure 4 is a block diagram showing the structure of a mobile terminal in accordance with a preferred embodiment of the present invention; Figure 5 is a flow chart showing the authentication process of a mobile terminal payment in accordance with a preferred embodiment of the present invention; and Figure 6 is a preferred embodiment of the present invention. Flow chart of mobile terminal payment. BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict. The present embodiment provides a mobile terminal payment method. FIG. 1 is a flowchart of a mobile terminal payment according to an embodiment of the present invention. As shown in FIG. 1, the method includes: Step S102: A mobile terminal collects human body feature data. Step S104: The mobile terminal determines whether the collected human body feature data and the pre-stored human body feature data are consistent. Step S106, if the judgment result is consistent, the mobile terminal pays. Through the above steps, the mobile terminal determines whether the collected human body feature data is consistent with the pre-stored human body feature data to determine whether to perform the mobile terminal payment, and solves the related art in which the mobile terminal payment is performed by using the input password. The security performance and efficiency of terminal payment are relatively low, thereby improving the security and efficiency of mobile terminal payment. Preferably, before collecting the human body feature data, the method further includes: the mobile terminal pre-collecting the human body feature data; and the mobile terminal saves the pre-collected human body feature data to the server of the payer platform. Through the saving step of the preferred embodiment, the human body characteristic data is saved to the server of the payer platform, and when the human body feature data is downloaded from the server when the judgment is made, the network downlink is used to download the data (downloaded from the server to the mobile terminal). It conforms to the characteristics that most networks use asymmetric mode and the downlink bandwidth is higher than the uplink, which saves network bandwidth resources. Preferably, determining whether the collected human body feature data and the pre-stored human body feature data are consistent comprises: accessing a server of the payer platform, and acquiring human body feature data stored in a server of the payer platform, wherein, by one of the following methods The server accessing the payer platform: wireless fidelity (WiFi), mobile communication network, and wired communication network; determining whether the collected human body characteristic data and the human body characteristic data of the server stored on the payer platform are consistent. Through the obtaining step of the preferred embodiment, when the human body feature data is downloaded from the server, the network downlink is used to download data (downloaded from the server to the mobile terminal), which is consistent with most current networks using asymmetric mode, and the downlink bandwidth is higher than the uplink. High features save network bandwidth resources. Preferably, before collecting the human body feature data, the method further includes: the mobile terminal pre-collecting the human body feature data; the mobile terminal encrypts the pre-collected human body feature data, and saves the encrypted human body feature data in the mobile terminal. The human body feature data is saved to the mobile terminal by the saving step of the preferred embodiment. When the determination is made, the human body feature data only needs to be read from the mobile terminal, and the data is not required to be uploaded and downloaded through the network, thereby saving the payer platform ( Network usage fees for telecom operators, banks, financial institutions with payment functions, and mobile terminal users. Preferably, the method further includes: receiving, by the mobile terminal and the identifier corresponding to the payer platform, a password and an instruction from the payer platform, and using the password and the command to enable and disable the mobile terminal payment function. Receiving the password and instruction of the payer platform by the receiving step of the preferred embodiment, After that, the mobile terminal payment function is turned on and off according to the password and the instruction, thereby improving the flexibility of the mobile terminal payment function to be turned on and off. Preferably, the human body characteristic data comprises: a fingerprint, a face, an iris or a human voice. With the preferred embodiment, the fingerprint, the face, the iris, and the vocal are used as the basis for the payment of the mobile terminal. Because the above features are unique, there is no possibility of being cracked, and the security of the mobile terminal (mobile payment) is improved. Sex. This embodiment provides a mobile terminal. 2 is a structural block diagram of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 2, the mobile terminal includes: a collection module 22, a determination module 24, and a payment module 26. The foregoing structure is described in detail: a module 22, configured to collect human body characteristic data; a determining module 24, connected to the collecting module

22, configured to determine whether the human body feature data collected by the collection module 22 and the pre-stored human body feature data are consistent; the payment module 26 is connected to the determination module 24, and is configured to move when the determination result of the determination module 24 is consistent Terminal payment. 3 is a block diagram of a preferred structure of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 3, the determining module 24 includes: an obtaining submodule 242 and a determining submodule 244. The mobile terminal further includes: a first pre-collecting module 31. The first pre-collection module 32, the second pre-collection module 33, the second pre-collection module 34, the receiving module 35, and the payment function opening and closing module 36. The foregoing structure is described in detail: The first saving module 32 is connected to the first pre-collection module 31 for saving the human body feature data pre-collected by the first pre-collection module 31 to the server of the payer platform. . The judging module 24 includes: an obtaining submodule 242, connected to the first saving module 32, for accessing the server of the payer platform, and acquiring human body characteristic data saved by the first saving module 32 in the server of the payer platform, wherein One of the following methods accesses the server of the payer platform: a wireless fidelity (WiFi), a mobile communication network, and a wired communication network; a judging sub-module 244, connected to the obtaining sub-module 242, for judging the collected human characteristics Whether the human body characteristic data of the server stored in the payer platform acquired by the data and acquisition sub-module 242 is consistent. The second pre-collection module 33 is configured to pre-collect the human body feature data; the second saving module 34 is connected to the second pre-collection module 33, and the human body feature data used for pre-collecting the second pre-collection module 33 Encryption is performed, and the encrypted human body characteristic data is saved in the mobile terminal. The mobile terminal further includes: a receiving module 35, configured to receive a password and an instruction from the payer platform by using the identifier corresponding to the mobile terminal and the payer platform; the payment function opening and closing module 36 is connected to the receiving module 35, and is configured to use the receiving module. 35 received passwords and instructions to enable and disable the mobile terminal payment function. Preferably, the human body characteristic data includes: a fingerprint, a face, an iris or a human voice. Embodiment 1 Step 1: A terminal having a mobile payment (mobile terminal payment) function sets a unique ID, which is registered and associated with a telecommunications carrier, each bank or other financial institution having a payment function, so that the terminal has a bank The card or bus card has the same payment function. Step 2: Configure at least one identification module for identifying the human body feature for the mobile terminal. Step 3: Configure a payment function effective module for the mobile phone (mobile terminal), and allow the receiving of the password and instructions from the payment party server to enable or re-open the payment function of the mobile phone, wherein the payment party includes the telecommunication operator, the financial institution, and the like. For example: banks, Alipay, fast money, etc. Preferably, the payment function effective module of the mobile phone (mobile terminal) can only receive the special instruction and password issued by the server of the paying party, and after the password verification is correct, the mobile payment function can be turned on or off. Step 4: When the payer registers the association, the mobile payment function is activated. In addition to leaving the password, the human body characteristic data of the mobile phone is collected and saved to the payer's server, and the server can be instantly accessed through the mobile phone. Preferably, the human body feature recognition module of the mobile phone (mobile terminal) collects body feature data including but not limited to: fingerprint, face, iris, human voice. Preferably, the method for accessing the server by the mobile phone includes, but is not limited to, WiFi, a mobile communication network, and a wired communication network. Step 5: The owner can also collect the human body characteristic data of the owner through the human body feature recognition module of the mobile phone in a safe environment, save it in the file system of the mobile phone, and add a password to reliably protect the data. Preferably, the mobile phone provides the owner with a secure storage area for storing human body characteristic data, and tampers with the The data area provides a limited number of password protections to prevent others from modifying the body characteristics of the owner. Step 6: Configure an authentication module for the mobile phone. When the payment occurs, the mobile phone reads the human body characteristic data pre-stored by the mobile device, or downloads the human body feature data on the server, and collects the current user's human body characteristic data, and authenticates. The module compares and analyzes the two sets of data, confirms whether the current user is the owner, and then determines whether the payment continues. Preferably, in step 6, the user payment process is performed as follows: the user first enters the payment interface through the mobile phone shortcut key or menu operation, the mobile phone prompts the user to provide the human body features and methods, and allows the user to select: Connect the server to download the body characteristics of the owner The data is sent locally or the human body data pre-stored in the local file system is read out. Step 7: The user operates according to the prompt of the mobile phone, and the human body recognition module of the mobile phone collects the human body characteristic data of the current user, and the mobile phone performs fuzzy matching on the two sets of data to confirm whether the current user is the owner. If you confirm that the current user is the owner, you can complete this payment normally. Preferably, if the confirmation is not, the user is prompted to re-collect the human body feature data, and step 7 is repeated. If the number of repetitions exceeds the allowable value, the current user is not prompted to cancel the payment. If the current user still continues to pay, the mobile phone's payment function effective module turns off the locked payment function, and does not allow any payment. Step 8: After completing this payment, close each relevant module and the mobile phone enters the energy saving mode. It should be noted that if the user needs to re-open the mobile payment function, the owner needs to carry the valid ID of the owner to the payment outlet's business outlet to unlock, and re-collect the human body characteristic data and save it to the server. Embodiment 2 This embodiment provides an authentication method for payment of a mobile terminal. 4 is a structural block diagram of a mobile terminal that performs authentication by using the method according to a preferred embodiment of the present invention. As shown in FIG. 4, the mobile terminal includes: an ID module 42, a human body feature collection module 44, and a human body feature data. The right module 46, the payment function effective module 48, the following structure is described in detail:

The ID module 42 is used to establish an ID, and the module may be a mobile phone ID chip or a SIM card, etc.

The ID is unique and has been registered and associated with the payer (telecom operator, bank or other financial institution). The human body feature collection module 44 is configured to collect human body feature data. The module can accurately extract human body feature data, which can be, but is not limited to, facial image, fingerprint, iris, vocal and other characteristic data. The owner pre-empts the mobile phone payment function at the telecom operator, 4 Minhang or other financial institutions, and collects the human body characteristic data of the owner through the human body feature recognition module, pre-existing on the server of these institutions. In a safe environment, the owner collects the human body characteristic data of the owner through the human body feature recognition module, and saves it in the file system of the mobile terminal (mobile phone), and adds a password to reliably protect the data. It should be noted that the module can perform the functions of the collection module 22 in FIG. The human body feature data authentication module 46 is configured to determine whether to perform mobile payment by using the human body feature data. It should be noted that the module can perform the function of the determining module 24 in FIG. The payment function validating module 48 is configured to receive a password and an instruction from a payer (payer platform), and use the password and the command to activate the mobile terminal payment function. This module is used to perform the function of the payment function opening and closing module 36 in FIG. Figure 5 is a flow diagram of an authentication process for payment by a mobile terminal in accordance with a preferred embodiment of the present invention. As shown in FIG. 5, the method includes: Step S502: The ID module sets an ID corresponding to the card reader and the POS machine. Step S504: The ID module sends an ID to the server of the payer, wherein the payer includes a telecom operator, a financial institution, and the like, for example, a bank, an Alipay, a quick money, and the like. Step S506: The payment function is activated. Step S508: Receive feature data of the server from the payer. Step S510: Acquire pre-stored local human body feature data. Step S512: The human body feature collection module collects the human body feature data of the user. Step S514: Receive human body feature data collected by the human body feature collection module. Embodiment 3 This embodiment combines the above embodiments and preferred embodiments thereof. FIG. 6 is a flowchart of a mobile terminal payment according to a preferred embodiment of the present invention. As shown in FIG. 6, the method includes: Step 4 602: The user starts a mobile terminal (mobile phone) payment. Step 604: The user operates the mobile phone shortcut or menu to enter the payment interface. Step 606: The mobile phone prompts the user to collect the user's human body features, and prompts the user and how to collect the set; Step 608: The mobile phone prompts the user to use the human body feature data pre-stored by the device to authenticate, or to use the human body feature data pre-existing on the payer server to authenticate. Step 610: The user, according to the prompt of the mobile phone, causes the human body feature recognition module of the mobile phone to collect his own human body features, and proceeds to step 616. Step 612: The mobile phone reads the human body characteristic data of the owner pre-existing on the local machine in the background. Step 614: The mobile phone is connected to the server of the prepaid machine main body characteristic data of the paying party in the background, and sends the unique ID of the mobile phone to the server by using an encryption method. After receiving the mobile phone ID, the server transmits the human body characteristic data of the main machine to the mobile phone. The phone downloads the data locally in the background. Step 616: The host human body feature data pre-stored on the mobile phone or stored on the server, and the human body feature data collected by the human body feature recognition module are authenticated to confirm whether it is the owner. Step 618: Is it the owner? If the judgment result is yes, go to step 4 to gather 626; if the judgment result is no, proceed to step 4 to gather 620. Step 620: Prompt the user that the human body characteristic data collected by the user does not match the owner, and the authentication fails. Step 622: Prompt the user to re-collect the human body feature data, and remind the user of the current remaining allowed authentication times, and of course, the user may choose not to pay. Step 624: If the user chooses to continue the payment, and the number of mismatches does not exceed the allowable value, then go to step 606 and repeat steps 606, 610, 616 and 618, otherwise go to step 628. Step 626: Successfully completing the mobile payment, and exiting the payment interface, the mobile phone releases the resources, closes each module, and prepares to enter the energy-saving state. Step 628: Cancel the payment, notify the payment system of the financial institution such as the telecommunications carrier, the bank, and the like, and prohibit the mobile phone ID from continuing to pay. The mobile phone exits the payment interface, the mobile phone releases the resources, closes each module, and prompts the user to be non-owner. The payment function function module inside the mobile phone closes the payment function, and prohibits the use of the mobile phone payment in the future. Through the above embodiment, it is determined whether the payment is made by identifying whether the human body feature of the payer is the owner, and the human body feature is unique, and there is no possibility of being cracked by the person, and this layer of protection is added to the terminal, which can effectively avoid The possibility of payment by others, thereby increasing the security of mobile payment. And it is also possible to further improve the security of payment by the mobile terminal (mobile phone) by combining the commonly used password methods. Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein. The steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps thereof are fabricated into a single integrated circuit module. Thus, the invention is not limited to any specific combination of hardware and software. The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the scope of the present invention are intended to be included within the scope of the present invention.

Claims

Claims A mobile terminal payment method, characterized in that it comprises:

The mobile terminal collects human body characteristic data;

Determining, by the mobile terminal, whether the collected human body feature data and the pre-stored human body feature data are consistent;

If the judgment result is consistent, the mobile terminal pays. The method according to claim 1, wherein before collecting the human body feature data, the method further comprises:

The mobile terminal pre-collects human body feature data;

The mobile terminal saves the pre-collected human body feature data to a server of the payer platform. The method according to claim 2, wherein determining whether the collected human body feature data and the pre-stored human body feature data are consistent comprises:

Accessing the server of the payer platform, and acquiring human body characteristic data stored in the server of the payer platform, wherein the server of the payer platform is accessed by one of the following methods: wireless fidelity WiFi, mobile communication network , wired communication network;

It is judged whether the human body characteristic data collected by the unit is consistent with the human body characteristic data of the server stored in the payer platform. The method according to claim 1, wherein before collecting the human body feature data, the method further comprises:

The mobile terminal pre-collects human body feature data;

The mobile terminal encrypts the pre-collected human body feature data, and saves the encrypted human body feature data in the mobile terminal. The method according to claim 1, wherein the password and the instruction from the payer platform are received by the identifier corresponding to the mobile terminal and the payer platform, and the mobile terminal payment is turned on and off using the password and the command. Features.

The method according to any one of claims 1 to 5, wherein the human body characteristic data comprises:

Fingerprint, face, iris or vocal.

7. A mobile terminal, comprising:

a collection module for collecting human body characteristic data;

a judging module, configured to determine whether the human body feature data collected by the 和 is consistent with the pre-stored human body feature data;

The payment module is configured to perform mobile terminal payment when the judgment result is consistent.

The mobile terminal according to claim 7, further comprising: a first pre-collection module, configured to pre-collect human body feature data;

The first saving module is configured to save the pre-collected human body feature data to a server of the payer platform.

The mobile terminal according to claim 8, wherein the determining module comprises: an obtaining submodule, configured to access a server of the payer platform, and obtain a monthly service saved on the payer platform The human body characteristic data of the device, wherein the server of the payer platform is accessed by one of the following methods: wireless fidelity WiFi, mobile communication network, and wired communication network;

The determining sub-module is configured to determine whether the human body feature data collected by the set and the human body feature data of the server stored in the payee platform are consistent.

The mobile terminal according to claim 7, further comprising:

a second pre-collection module, configured to pre-collect human body feature data;

And a second saving module, configured to encrypt the pre-collected human body feature data, and save the encrypted human body feature data in the mobile terminal.

The mobile terminal according to claim 7, further comprising:

a receiving module, configured to receive a password and an instruction from the payer platform by using an identifier corresponding to the mobile terminal and the payer platform;

A payment function opening and closing module is configured to enable and disable the mobile terminal payment function by using the password and the instruction. The mobile terminal according to any one of the preceding claims, wherein the human body characteristic data comprises:

Fingerprint, face, iris or vocal.