TWM607161U - Decentralized payment system based on biological features - Google Patents

Abstract

A decentralized payment system based on biological features includes an acquiring server, a biological feature server, and a blockchain server. The acquiring server receives an acquiring data and a biological feature authentication data. The biological feature server authenticates user identification according to the biological feature authentication data. When the biological feature server determines that the biological feature authentication data matches the user identification, the biological feature server determines whether a payment institution of a payment account is the same with an acquiring institution. When the biological feature server determines that the payment institution is different from the acquiring institution, the blockchain server transmits a payment message to another blockchain server of the acquiring institution to require the payment account to pay the payment of the acquiring data.

Description

Decentralized biometric payment system

This case is about a payment system, and especially about a decentralized biometric payment system.

In the current financial payment behaviors, consumers must carry cash, physical credit cards or visa cards to make payments, or carry electronic devices to make mobile payments. However, if the user forgets to carry cash, physical card, electronic device, or the power supply of the electronic device runs out, or the cash is insufficient, no payment can be made at all. This is quite inconvenient for consumers in terms of payment.

According to an embodiment of the present disclosure, a decentralized biometric payment system is disclosed, including an acquiring server, a biometric server, and a blockchain server. The acquiring server is configured to receive an acquiring data and a biometric verification information, wherein the acquiring server is associated with an acquiring financial institution. The biometric server is coupled to the acquiring server. The biometric server is configured to verify the identity of a user of the acquiring data based on the biometric verification information, and when the biometric server determines that the user identity of the acquiring data matches the biometric verification information , To determine whether a payment financial institution bound to a payment account is the same as the acquiring financial institution. The blockchain server is coupled to the biometric server, and when the biometric server determines that the acquiring financial institution is different from the paying financial institution, the blockchain server sends a request to another area of the paying financial institution The block chain server sends a payment message to request the payment account for payment of the acquiring data.

In order to make the above-mentioned technical features and advantages of this creation more obvious and easy to understand, the following specific examples are given in conjunction with the accompanying drawings to describe in detail as follows.

The following disclosure provides many different embodiments in order to implement the different features of this case. Examples of components and arrangements are described below to simplify this case. Of course, these embodiments are only exemplary and not intended to be limiting. For example, the terms "first" and "second" used to describe elements in this case are only used to distinguish the same or similar elements or operations. The terms are not used to limit the technical elements of the case, nor are they used to Limit the order or sequence of operations. In addition, in this case, component symbols and/or letters may be repeated in each embodiment, and the same technical term may use the same and/or corresponding component symbols in each embodiment. This repetition is for the purpose of conciseness and clarity, and does not in itself indicate the relationship between the various embodiments and/or configurations discussed.

Please refer to Figure 1, which illustrates a block diagram of a decentralized biometric payment system 100 according to some embodiments of this case. The decentralized biometric payment system 100 will establish in advance the association binding between the user’s biometric information and the payment account. When the user subsequently purchases goods or services in the store, he does not need to carry any cards or show payment barcodes for payment. In the medium, users only need to use their own biometric information to complete payment.

In some embodiments, the decentralized biometric payment system 100 includes an acquiring server 110, a biometric server 120, an accounting server 130, and a blockchain server 140. The acquiring server 110 is coupled to the biometric server 120. The biometric server 120 is coupled to the accounting server 130 and the blockchain server 140.

In some embodiments, the biometric server 120 of the decentralized biometric payment system 100 is communicatively coupled to the electronic device 200. The electronic device 200 may be a portable electronic device, a mobile phone, a tablet computer, a personal digital assistant (PDA), a wearable device, a notebook computer, etc., with a processor and/or storage device, An electronic device that can execute applications installed on it and/or in the cloud.

In order to explain the binding method between the user's biometric information and payment account, please refer to Figure 1 and Figure 2 together below. Figure 2 shows a flowchart of a method for binding biometric information according to some embodiments of this case. The binding method is executed by the electronic device 200 and the decentralized biometric payment system 100. The electronic device 200 may be installed with an application program executable by a financial institution to execute financial services. For example, the electronic device 200 is installed with a mobile banking application of South China Bank, so that the user can operate the application on the electronic device 200 to perform the binding of biometric information. Biometric information can be fingerprints (or finger veins) features, eye iris features, retina features, facial features, palm prints (or palm veins) features, voice features, etc. Any biological feature falls within the scope of this case and can be applied to this case full text.

It is worth mentioning that, in order to concise the contents of the manual, the following biometric information uses fingerprints as an example.

As shown in FIG. 2, in step S210, the user's biometric information is retrieved through the electronic device 200. In some embodiments, the user can operate the application program of the electronic device 200 to perform the binding process of this biological feature.

In step S220, the biometric information associated with the user's identity and the payment account are transmitted to the biometric server 120 through the electronic device 200. In some embodiments, the payment account refers to an account of a financial institution held by the user. For example, the payment account can be, but is not limited to, the user's bank account, credit card account, etc., and any method that can be applied to payment falls within the scope of this case.

In step S230, the biometric server 120 associates and binds the biometric information and the payment account. In some embodiments, the biometric server 120 stores the account information of all users, and after the association binding is established, the database of the biometric server 120 has the association between the account information and the biometric information. Since the biometric information is highly human and unique, the corresponding biometric information can be used to verify whether it is the user.

In some embodiments, in the binding information of the biometric server 120, each user may have accounts of one or more financial institutions as payment accounts. For example, the biometric server 120 stores the user's general account in South China Bank and Citibank's credit card, both of which can be used as payment accounts. On the other hand, users can also have multiple payment type accounts in one or more financial institutions. For example, the biometric server 120 stores the user's general account in Huanan Bank and two credit cards, the general account of Bank One, and the credit card of Cathay Pacific Bank. This case does not limit the payment method of binding payment stored in the biometric server 120.

Please refer to Figure 1 again. The decentralized biometric payment system 100 is communicatively coupled to the acquiring device 300. The receipt device 300 may be an instant point-of-sale device installed in a store, or a cash register device of any form.

In some embodiments, the acquiring device 300 includes a capturing module 310 and a payment confirmation module 320. The capturing module 310 is used to read the biometric verification information of the user. The payment confirmation module 320 is used for generating payment information of the acquiring data. In some embodiments, the capturing module 310 may be a fingerprint (or finger vein) feature capturing module, an iris feature capturing module, a retina feature capturing module, a facial feature capturing module, a palm print (or Palm vein) feature extraction module, sound feature extraction module, etc. For example, when a user wants to make a payment in a shop, he presses his finger on the fingerprint feature extraction module, and the acquiring device 300 can obtain the fingerprint feature. On the other hand, when the user wants to check out at the store, the store can create the acquiring data (for example, the list of purchased goods or services and the price list) in the acquiring device 300, and generate a payment message. The payment confirmation module 320 may be a touch (screen) module and/or a mechanical button for receiving payment instructions from the user. For example, after the acquiring device 300 obtains the fingerprint characteristics and passes the identity verification, the acquiring device 300 may prompt on the display screen (not shown) or the speaker (not shown) whether to confirm the payment. The user can send a payment confirmation instruction through the touch (screen) module and/or mechanical buttons. In this way, the payment for the acquiring information will be directly deducted from the payment account to complete the payment process.

In some embodiments, the acquiring server 110 receives an acquiring data and biometric verification information, wherein the acquiring server 110 is associated with an acquiring financial institution. For example, when a user makes a purchase in a store, the acquiring device 300 uploads the user's fingerprint and acquiring data to the acquiring server 110.

In some embodiments, the acquiring server 110 is associated with an acquiring financial institution. For example, the decentralized biometric payment system 100 is installed in a financial institution, such as South China Bank. The acquiring server 110 is provided by the same financial institution (for example, South China Bank). If the user makes subsequent payments, if the bound payment financial institution is different from the acquiring financial institution, the payment information needs to be forwarded to other financial institutions. This content will be explained in the following paragraphs. It is worth mentioning that the acquiring device 300 and the decentralized biometric payment system 100 belong to the same financial institution. In other words, if the decentralized biometric payment system 100 is a system of South China Bank, the connected acquiring device 300 is also provided by South China Bank to maintain information security and simplify the overall system architecture.

In some embodiments, the biometric server 120 verifies the user identity of the acquiring data based on the biometric verification information. For example, the biometric server 120 searches and compares the received biometric verification information with the user biometric information stored in the database. The database refers to the data created when the aforementioned user binds the biometric information and payment account.

In some embodiments, the accounting server 130 is used to perform the deduction of the payment of the receipt data. For example, when the biometric server 120 determines that the acquiring financial institution is the same as the paying financial institution, the biometric server 120 sends a payment message to the accounting server 130. In this way, the accounting server 130 performs deduction.

In some embodiments, the blockchain server 140 is used to exchange messages with another blockchain server (not shown). For example, the blockchain server 140 is built by South China Bank, and the other blockchain server (not shown) is built by Bank One. When the acquiring financial institution to which the acquiring device 300 installed in the store belongs is Huanan Bank, and the payment financial institution bound to the user is the first bank, the account server 130 of Huanan Bank cannot perform deduction at this time Instead, the payment message must be forwarded to the blockchain server of the first bank through the blockchain server 140 of the South China Bank, and then the account server of the first bank will deduct the payment.

As mentioned above, the decentralized biometric payment system 100 is built by a financial institution, so every financial institution can implement the decentralized biometric payment system 100 of this case. On the other hand, the blockchain server in this case provides a way to exchange data between financial institutions. In other words, all financial institutions can connect to the system with one or more financial institutions, and then join the payment system to form a decentralized structure without a central system to exchange financial information.

In order to facilitate the explanation of the user's method of payment through biometric information, please refer to Figure 1 and Figure 3 together below. Figure 3 shows a flowchart of a payment method suitable for the decentralized biometric payment system 100 according to some embodiments of the present case.

In step S305, the acquiring server 110 receives the biometric verification information and the acquiring data from the acquiring device 300. The acquiring server 110 is associated with an acquiring financial institution.

In step S310, the biometric server 120 determines whether the biometric verification information matches the identity of a user. In some embodiments, the biometric server 120 searches and compares the received biometric verification information with the user biometric information stored in the database, so as to obtain a payment account that can make payments. If it is determined that the biometric verification information is consistent with a user identity, step S315 is executed.

In step S315, it is determined whether the payment financial institution bound to the payment account is the same as the acquiring financial institution. In some embodiments, if the acquiring financial institution is Huanan Bank and the paying financial institution is First Bank, it means that payment cannot be made in the decentralized biometric payment system 100 of Huanan Bank. At this time, step S320 is executed. It is worth mentioning that the steps S310 and S315 can also be executed in an alternate order, for example, step S315 is executed first, and then step S310 is executed.

In step S320, the blockchain server 140 sends a payment message to the payment financial institution to request payment of the payment for the receipt data. For example, the blockchain server 140 of Huanan Bank communicates with the blockchain server (not shown) of Bank One. The blockchain server 140 of South China Bank sends a payment message to the blockchain server (not shown) of the First Bank so that the account server (not shown) of the First Bank performs deduction.

In step S325, the payment financial institution sends back a complete deduction message. For example, after the first bank completes the deduction, it generates a deduction completed message, and then sends the completed deduction message to the blockchain server of South China Bank through the blockchain server of the first bank (not shown) 140. In this way, payment procedures across financial institutions can be completed.

If in step S310, the biometric server 120 does not find a matching user identity, which means that there is no payment account available for deduction, the payment procedure is ended, and the decentralized biometric payment system 100 returns a deduction failure Message to the acquiring device 300, requesting the user to make payment in other ways.

If in step S315, the payment financial institution bound to the payment account is the same as the acquiring financial institution, then step S330 is executed.

In step S330, the biometric server 120 sends a payment message to the accounting server 130, and the accounting server 130 executes the deduction of the payment of the receipt data. For example, if both the decentralized biometric payment system 100 and the acquiring device 300 belong to the framework supported by Huanan Bank, the account server 130 of Huanan Bank will directly perform the deduction and send it after the deduction is completed. Once the deduction message is completed to the acquiring device 300.

In some embodiments, the user can bind one or more payment accounts, and set the deduction sequence among these payment accounts. For example, if the user binds the general account deduction of Huanan Bank, the first bank credit card deduction, and the Citibank credit card deduction, and the deduction order is set first. The accounting server 130 sequentially pays the payment of the acquiring data according to the deduction sequence. If the payment account with the first ranking is unable to pay, the payment will be deducted by the payment account with the second ranking.

In some embodiments, when the balance of the first-ranked payment account is insufficient to pay the entire amount of the acquiring data, the remaining payment is deducted from the second-ranked payment account. For example, if the total amount of the acquiring information is 200,000 yuan, the first payment account is the general account with 120,000 yuan in movable cash. Since there is 80,000 yuan left to be paid, the second-ranked first bank credit card will pay the remaining 80,000 yuan.

It is worth mentioning that the method of performing deductions through multiple payment accounts in sequence is performed through steps S315, S320, and S325 as described in Figure 3, and will not be repeated here.

To sum up, the decentralized biometric payment system 100 in this case provides that financial institutions do not need to use a central system such as a financial company to exchange accounting information through the blockchain server. . Since the blockchain server in this case applies the characteristics of the blockchain that cannot be modified and can be independently verified, the security of the overall architecture is increased. In addition, due to the nature of decentralization, financial institutions are more flexible in joining or exiting the payment system. Furthermore, when users make purchases in stores, users do not need to carry any mobile devices, physical financial cards, or payment media such as payment barcodes when they subsequently purchase goods or services in stores. Users only need to use their own Biometric information can be used to complete payment. Compared with the existing payment mechanism, there are considerable differences and improvements. This case can take both convenience and security into consideration.

The above content summarizes the features of several embodiments, so that those familiar with the technology can better understand the aspect of the case. Those familiar with this technology should understand that without departing from the spirit and scope of the case, the above content can be easily used as a basis for design or modification for other changes in order to implement the same purpose and/or realization of the embodiments introduced in this article Same advantage. The above content should be understood as an example of this case, and the scope of protection should be subject to the scope of the patent application.

100: Decentralized biometric payment system 110: Acquiring server 120: Biometric Server 130: Accounting Server 140: Blockchain server 200: electronic device 300: Acquiring device 310: Capture module 320: payment confirmation module S210~S230, S305~S330: steps

When the following detailed description is read in conjunction with the accompanying drawings, it will help to better understand the aspect of the present disclosure. It should be noted that, in accordance with the practical requirements of the description, the features in the diagram are not necessarily drawn to scale. In fact, for the purpose of clarity, the size of each feature may be increased or decreased arbitrarily. Figure 1 shows a block diagram of a decentralized biometric payment system according to some embodiments of this case. Figure 2 shows a flowchart of a payment method suitable for a decentralized biometric payment system according to some embodiments of this case. Figure 3 shows a flowchart of a method for binding biometric information according to some embodiments of this case.

100: Decentralized biometric payment system

110: Acquiring server

120: Biometric Server

130: Accounting Server

140: Blockchain server

200: electronic device

300: Acquiring device

310: Capture module

320: payment confirmation module

Claims (10)

A decentralized biometric payment system, including: An acquiring server configured to receive an acquiring data and a biometric verification information, wherein the acquiring server is associated with an acquiring financial institution; A biometric server coupled to the acquiring server, wherein the biometric server is configured to verify the identity of a user of the acquiring data according to the biometric verification information, and when the biometric server determines the When the user identity of the acquiring data matches the biometric verification information, determine whether a payment financial institution bound to a payment account is the same as the acquiring financial institution; and A blockchain server, coupled to the biometric server, wherein when the biometric server determines that the acquiring financial institution is different from the paying financial institution, the blockchain server sends another payment to the paying financial institution A blockchain server sends a payment message to request the payment account for payment of the acquiring data. The decentralized biometric payment system as described in claim 1, further comprising an accounting server coupled to the biometric server; When the biometric server determines that the acquiring financial institution is the same as the paying financial institution, the biometric server sends the payment message to the accounting server, and the accounting server executes the payment of the acquiring data Deductions. The decentralized biometric payment system according to claim 1, wherein after the blockchain server transmits the payment message to the other blockchain server of the payment financial institution, the payment financial institution according to the payment The message executes the deduction of the payment of the acquiring data, and returns a completed deduction message to the blockchain server. The decentralized biometric payment system according to claim 1, wherein the acquiring server is communicatively coupled to an acquiring device, and the acquiring device includes: An acquisition module for reading the biometric verification information; and A payment confirmation module for generating the payment information of the acquiring data. The decentralized biometric payment system according to claim 4, wherein the acquiring device is set in a store. The decentralized biometric payment system according to claim 1, wherein the payment account includes a first account and a second account, and when the biometric server determines the identity of the user and the biometrics of the acquiring data When the verification information matches, the payment is executed in at least one of the first account and the second account according to the payment of the receipt data. The decentralized biometric payment system according to claim 6, wherein the first account and the second account can be set with a deduction sequence, and the payment of the acquiring data is paid according to the deduction sequence. For example, in the decentralized biometric payment system according to claim 6, when the balance of the first account is not enough to pay the entire amount of the acquiring data, the deduction of the remaining amount is performed in the second account. The decentralized biometric payment system according to claim 1, wherein the biometric server is communicatively coupled to an electronic device, and the electronic device transmits a biometric information associated with the user's identity and the payment account to the biometric Feature server. The decentralized biometric payment system according to claim 2, wherein the biometric server is further configured to associate and bind the biometric information and the payment account.

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