CN104463582A - Payment method for electronic currency - Google Patents
Payment method for electronic currency Download PDFInfo
- Publication number
- CN104463582A CN104463582A CN201410680956.0A CN201410680956A CN104463582A CN 104463582 A CN104463582 A CN 104463582A CN 201410680956 A CN201410680956 A CN 201410680956A CN 104463582 A CN104463582 A CN 104463582A
- Authority
- CN
- China
- Prior art keywords
- payment
- stored value
- beneficiary
- value card
- payer
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention provides a payment method for electronic currency and belongs to the technical field of currency circulation. The payment method for the electronic currency comprises the following steps that S1, a collection function module is arranged on a receiving side terminal; S2, the collection function module is started, a payment side electronic purse address is determined and obtained through fingerprints, and payment side payment passwords are input so that the electronic currency in a payment side electronic purse can flow into a receiving side electronic purse, and electronic currency payment can be finished. The payment method for the electronic currency is easy to operate, the payment operation of the electronic currency can only be achieved on the receiving side terminal, and payment is safe and reliable.
Description
Technical field
The present invention relates to money flow technical field, particularly relate to a kind of method of payment of electronic money.
Background technology
Along with the fast development of internet and net purchase, the application of E-Payment is also more and more universal.Wherein, the stored value card of electronic money (i.e. digital cash) has a unique gathering address on each terminating machine, and who has grasped the payment cipher of this address, is exactly this stored value card everyone.The form of payment of current electronic money is the electronic money wallet by the terminating machines such as payer computer or mobile phone are installed, behind the gathering address of input the other side's (i.e. beneficiary) stored value card, input payment and payment cipher can complete the payment of electronic money simultaneously.This kind of method needs to complete delivery operation in the stored value card of payer oneself, and meanwhile, beneficiary also needs to be confirmed whether to receive digital cash in the stored value card of oneself, just can complete the payment program of electronic money.
The method of payment complicated operation of above-mentioned electronic money.
Summary of the invention
In order to solve the problems of the technologies described above, the object of this invention is to provide a kind of simple to operate and method of payment of the electronic money that safety coefficient is high.
The object of the invention is to be achieved through the following technical solutions:
A method of payment for electronic money, comprises the steps:
S1, beneficiary terminating machine arranges gathering functions module;
S2, starts gathering functions module, transfers payer stored value card address by fingerprint identification, inputs payer payment cipher simultaneously and the electronic money of payer stored value card can be flowed into beneficiary stored value card, complete electronic money payment.
By the technical scheme of the invention described above, the method for payment of electronic money of the present invention is simple to operate, only can realize the payment function of electronic money and safe and reliable on beneficiary terminating machine.
Accompanying drawing explanation
Fig. 1 is the FB(flow block) of the method for payment of electronic money of the present invention;
Fig. 2 is a kind of embodiment FB(flow block) of the method for payment of electronic money of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described in detail:
As shown in Figure 1, a kind of method of payment of electronic money, comprises the steps:
S1, beneficiary terminating machine arranges gathering functions module, and this gathering functions module is by running corresponding computer program to realize.
S2, starts gathering functions module, transfers payer stored value card address by fingerprint identification, inputs payer payment cipher simultaneously and the electronic money of payer stored value card can be flowed into beneficiary stored value card, complete electronic money payment.The dual fail-safe mode realizing encrypting fingerprint code to realize the payment of electronic money, to ensure the secure payment of electronic money.
As shown in Figure 2, a kind of embodiment of the method for payment of electronic money of the present invention comprises the steps:
S11, arranges " I will collect money " functional module in the stored value card program on beneficiary terminating machine.
S12, payer gathers its fingerprint of typing in advance and is uploaded in electronic money third party network database servers in the stored value card of oneself, beneficiary terminating machine, when reading the fingerprint of payer, needs automatically to read wallet address corresponding to this fingerprint by third party's network database servers.
Wherein, the order of step S11 and step S12 can be exchanged.
S13, beneficiary runs stored value card program on beneficiary terminating machine, opens " I will collect money " function, after input collection amount, payer carries out fingerprint Address Confirmation by beneficiary terminating machine fingerprint collecting equipment, the electronic money wallet address of this fingerprint counterpart expenditure side.
S14, wallet address date corresponding for this fingerprint is transferred to the stored value card of payer by beneficiary terminating machine, after payer stored value card receives payment instruction, automatic authorization is to the stored value card of beneficiary, and in the stored value card of beneficiary, perform the payment cipher proving program of payer, payer only need pay address by the stored value card fingerprint identification of beneficiary, input payment, and payment cipher, by the electronic money payment in the stored value card of oneself in the stored value card of beneficiary, the payment of electronic money can be completed.
The delivery operation of electronic money of the present invention only realizes on beneficiary terminating machine, simple to operate, payer stored value card address is transferred by fingerprint identification, input payer payment cipher simultaneously and the digital cash of payer stored value card can be flowed into beneficiary stored value card, namely realize paying by the dual password protection mode of encrypting fingerprint code, improve the safety coefficient of payment.
The above; be only the present invention's preferably embodiment, but protection scope of the present invention is not limited thereto, is anyly familiar with those skilled in the art in the technical scope that the present invention discloses; the change that can expect easily or replacement, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claims.
Claims (2)
1. a method of payment for electronic money, is characterized in that, comprises the steps:
S1, beneficiary terminating machine arranges gathering functions module;
S2, starts gathering functions module, transfers payer stored value card address by fingerprint identification, inputs payer payment cipher simultaneously and the electronic money of payer stored value card can be flowed into beneficiary stored value card, complete electronic money payment.
2. the method for payment of electronic money according to claim 1, is characterized in that, comprises the steps:
S11, arranges " I will collect money " functional module in the stored value card program on beneficiary terminating machine;
S12, payer gathers its fingerprint of typing in advance and is uploaded in electronic money third party network database servers in the stored value card of oneself, beneficiary terminating machine, when reading the fingerprint of payer, needs automatically to read wallet address corresponding to this fingerprint by third party's network database servers;
S13, beneficiary runs stored value card program on beneficiary terminating machine, opens " I will collect money " function, after input collection amount, payer carries out fingerprint Address Confirmation by beneficiary terminating machine fingerprint collecting equipment, the electronic money wallet address of this fingerprint counterpart expenditure side;
S14, wallet address date corresponding for this fingerprint is transferred to the stored value card of payer by beneficiary terminating machine, after payer stored value card receives payment instruction, automatic authorization is to the stored value card of beneficiary, and in the stored value card of beneficiary, perform the payment cipher proving program of payer, payer only need pay address by the stored value card fingerprint identification of beneficiary, input payment, and payment cipher, by the electronic money payment in the stored value card of oneself in the stored value card of beneficiary, the payment of electronic money can be completed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410680956.0A CN104463582A (en) | 2014-11-25 | 2014-11-25 | Payment method for electronic currency |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410680956.0A CN104463582A (en) | 2014-11-25 | 2014-11-25 | Payment method for electronic currency |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104463582A true CN104463582A (en) | 2015-03-25 |
Family
ID=52909575
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410680956.0A Pending CN104463582A (en) | 2014-11-25 | 2014-11-25 | Payment method for electronic currency |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104463582A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105678549A (en) * | 2016-02-23 | 2016-06-15 | 北京小米移动软件有限公司 | Payment method and device |
| CN107239942A (en) * | 2016-03-29 | 2017-10-10 | 阿里巴巴集团控股有限公司 | A kind of data processing method and device, transfer account method and device |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101165734A (en) * | 2006-10-20 | 2008-04-23 | 西安紫牛信息技术有限公司 | Fingerprint POS payment system |
| CN101299254A (en) * | 2008-06-16 | 2008-11-05 | 李丽丽 | Payment system and payment method thereof |
| CN101488249A (en) * | 2008-01-15 | 2009-07-22 | 中国移动通信集团公司 | Method and apparatus for verifying customer transaction |
| CN103188212A (en) * | 2011-12-27 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Security management method and service terminal of electronic wallet, and electronic wallet system |
| US20140136419A1 (en) * | 2012-11-09 | 2014-05-15 | Keith Shoji Kiyohara | Limited use tokens granting permission for biometric identity verification |
-
2014
- 2014-11-25 CN CN201410680956.0A patent/CN104463582A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101165734A (en) * | 2006-10-20 | 2008-04-23 | 西安紫牛信息技术有限公司 | Fingerprint POS payment system |
| CN101488249A (en) * | 2008-01-15 | 2009-07-22 | 中国移动通信集团公司 | Method and apparatus for verifying customer transaction |
| CN101299254A (en) * | 2008-06-16 | 2008-11-05 | 李丽丽 | Payment system and payment method thereof |
| CN103188212A (en) * | 2011-12-27 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Security management method and service terminal of electronic wallet, and electronic wallet system |
| US20140136419A1 (en) * | 2012-11-09 | 2014-05-15 | Keith Shoji Kiyohara | Limited use tokens granting permission for biometric identity verification |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105678549A (en) * | 2016-02-23 | 2016-06-15 | 北京小米移动软件有限公司 | Payment method and device |
| CN107239942A (en) * | 2016-03-29 | 2017-10-10 | 阿里巴巴集团控股有限公司 | A kind of data processing method and device, transfer account method and device |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20150325 |
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| RJ01 | Rejection of invention patent application after publication |