技术领域technical field
本发明涉及收付款方法与装置，具体涉及一种便携式袖珍型收付款电子装置，以及适用于收付款电子装置的收付款方法。The invention relates to a collection and payment method and device, in particular to a portable pocket-sized payment electronic device and a collection and payment method suitable for the payment electronic device.
背景技术Background technique
随着科技的高速发展与不断更新，人们的金融转账方式已经从传统的银行柜面、银行ATM机发展到网上银行、短信银行、手机银行。人们购买商品也正在从传统的纸币交易，往纸币交易和电子交易相结合的方式转变，生活中很熟悉的银联POS机就是很好的应用实例，其极大的提高了顾客消费金额的结算速度，缩短客户结账的排队等待时间，非现金结算方式给人们带来了极大的便利；同时网络零售商和网上购物支付的迅速发展推广、集成在智能手机上的如微信支付、支付宝钱包等便捷式支付方式应运而生，更是迅速改变着人们的消费方式。With the rapid development and continuous updating of technology, people's financial transfer methods have developed from traditional bank counters and bank ATMs to online banking, SMS banking, and mobile banking. People are also changing from traditional banknote transactions to a combination of banknote transactions and electronic transactions when purchasing goods. UnionPay POS machines, which are familiar in life, are a good application example, which greatly improves the settlement speed of customer consumption. , shortening the waiting time for customers to check out, and the non-cash settlement method has brought great convenience to people; at the same time, the rapid development and promotion of online retailers and online shopping payments, and the integration of smart phones such as WeChat payment, Alipay wallet, etc. The traditional payment method emerged as the times require, and it is rapidly changing people's consumption patterns.
然而这要求用户必须熟悉网络金融或智能终端的应用与多步操作，尤其是对不会使用网上银行和智能机的中老年客户群体极为不便。目前在领近支付方面，已经出现了行业中通常称之为电子钱包或电子钱夹的便携式设备，为减少日常交易中频繁的使用纸币，提高便利性。但其需要用户手工输入密码等信息进行登录或验证，在安全性、保密性、易用性上都有很大欠缺。However, this requires users to be familiar with the application and multi-step operation of online finance or smart terminals, which is especially inconvenient for middle-aged and elderly customers who do not know how to use online banking and smart phones. At present, in the aspect of Lingjin payment, there have been portable devices commonly referred to as electronic wallets or electronic wallets in the industry, in order to reduce the frequent use of banknotes in daily transactions and improve convenience. However, it requires users to manually enter passwords and other information to log in or verify, which is greatly lacking in security, confidentiality, and ease of use.
发明内容Contents of the invention
发明目的：为了克服现有技术中存在的不足，本发明提供一种高安全性便携式收付款装置，以及适用于该装置的高安全性便携式收付款方法。Purpose of the invention: In order to overcome the deficiencies in the prior art, the present invention provides a high-security portable payment device and a high-security portable payment method suitable for the device.
技术方案：为解决上述技术问题，本发明提供的高安全性便携式收付款装置，包括：Technical solution: In order to solve the above-mentioned technical problems, the high-security portable collection and payment device provided by the present invention includes:
存储模块，用于存储用户的原始身份信息、供用户选择用于收付款的金融支付方式、所述金融支付方式对应的含账户名和密码的金融支付账户信息； The storage module is used to store the original identity information of the user, the financial payment method for the user to select for receiving and payment, and the financial payment account information corresponding to the financial payment method including account name and password;
付款信息读取与收款信息设置模块，付款时用于读取物品预设的含价格与金融账户的付款信息；收款时用于根据用户设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的收款标签；The payment information reading and collection information setting module is used to read the payment information including the price and financial account preset by the item when paying; it is used to set according to the financial payment method and the financial payment method set by the user when receiving payment The collection information of the corresponding account name and collection amount will generate a collection label with a certain time limit;
终端用户身份识别模块，用于通过生物传感器读取用户原始身份信息，并存储在所述存储模块中；同时用于通过生物传感器读取用户即时身份信息，与存储模块中预设的用户原始身份信息比较，完成身份识别与校验；The terminal user identity identification module is used to read the user's original identity information through the biometric sensor and store it in the storage module; at the same time, it is used to read the user's instant identity information through the biometric sensor to match the user's original identity preset in the storage module Information comparison, complete identification and verification;
通信模块，用于与金融支付平台、计算机、手机、其他电子支付设备终端信息交互；The communication module is used for information interaction with financial payment platforms, computers, mobile phones, and other electronic payment device terminals;
输入输出模块，包括键盘、电子屏幕，用于人机交互；Input and output modules, including keyboards and electronic screens, for human-computer interaction;
微控制器，用于控制付款信息读取与收款信息设置模块、终端用户身份识别模块、存储模块、通信模块、输入输出模块之间的信息交互。The microcontroller is used to control the information interaction between the payment information reading and collection information setting module, the terminal user identification module, the storage module, the communication module, and the input and output modules.
作为优选，所述终端用户身份识别模块中用于读取用户原始身份信息和用户即时身份信息的生物传感器，是脉搏传感器、人体姿态传感器、人体皮肤传感器或指纹识别传感器中的一种或两种以上。Preferably, the biosensor used to read the user's original identity information and the user's instant identity information in the terminal user identity recognition module is one or both of a pulse sensor, a human body posture sensor, a human skin sensor, or a fingerprint recognition sensor above.
作为优选，所述付款信息读取与收款信息设置模块，包括内置NFC模块，用于付款时通过NFC近场通信读取所述的物品预设的付款信息，收款时根据所述的收款信息生成NFC电子收款标签，供付款方通过NFC近场通信来读取所述的收款标签信息。Preferably, the payment information reading and payment collection information setting module includes a built-in NFC module, which is used to read the preset payment information of the item through NFC near field communication when paying, and according to the collection information when receiving payment The payment information generates an NFC electronic collection label for the payer to read the collection label information through NFC near field communication.
作为优选，所述付款信息读取与收款信息设置模块，包括内置扫码模块，用于付款时通过扫描条形码或二维码读取所述的物品预设的付款信息；条形码和二维码生成模块，用于收款时根据所述的收款信息生成条形码或二维码收款标签，供付款方通过扫描条形码或二维码来读取收款标签信息。Preferably, the payment information reading and payment collection information setting module includes a built-in code scanning module, which is used to read the preset payment information of the item by scanning a barcode or two-dimensional code when paying; barcode and two-dimensional code The generation module is used to generate a barcode or a two-dimensional code collection label according to the collection information when collecting money, for the payer to read the collection label information by scanning the barcode or two-dimensional code.
上述通信模块，至少包括内置WiFi模块。作为优选，还可包括内置3G模块、蓝牙、USB的一种或多种。The communication module mentioned above at least includes a built-in WiFi module. Preferably, it may also include one or more of a built-in 3G module, bluetooth, and USB.
作为优选，所述存储模块中存储的供用户选择的金融支付方式为一个以上的银行和/或一个以上的第三方支付中心。Preferably, the financial payment method stored in the storage module for the user to choose is more than one bank and/or more than one third-party payment center.
作为优选，所述输入输出模块中的键盘为软键盘或硬键盘。Preferably, the keyboard in the input-output module is a soft keyboard or a hard keyboard.
优选的，所述输入输出模块中的电子屏幕为低功耗的小尺寸OLED屏，当然也可以是LED屏、LCD屏等。Preferably, the electronic screen in the input-output module is a small-sized OLED screen with low power consumption, of course, it can also be an LED screen, an LCD screen, and the like.
作为优选，该装置外形可为可穿戴样式，如手表形、手环形等；亦可直接内置于可穿戴手表、手环、手链、戒指等配饰中；亦可为钱包、打火机等小巧便携式形状。Preferably, the shape of the device can be wearable, such as watch shape, wrist ring, etc.; it can also be directly built into accessories such as wearable watches, bracelets, bracelets, and rings; it can also be small and portable shapes such as wallets and lighters.
作为优选，该装置外形为钱包、打火机、化妆盒、口红等小巧便携式形状。Preferably, the device is in a compact and portable shape such as a wallet, a lighter, a cosmetic case, a lipstick, and the like.
作为另一种优选，该装置为可穿戴式收付款装置，其外形为手表形或手环形或戒指形等可穿戴样式，亦可内置于腕表、手环、手链、戒指等配饰中。As another preference, the device is a wearable collection and payment device, which is in the shape of a watch, wrist ring or ring or other wearable styles, and can also be built into accessories such as watches, bracelets, bracelets, and rings.
作为本发明的进一步改进，当该装置为可穿戴式收付款装置时，还可以包括穿戴感应模块。优选的，该穿戴感应模块包括温度传感器或压力传感器，通过温感或者压感来判断该装置是否为穿戴状态。优选的，该穿戴感应模块包括卡扣或触钮，通过卡扣或者触钮触发电路信号来判断该装置是否为穿戴状态。As a further improvement of the present invention, when the device is a wearable collection and payment device, it may also include a wearable sensing module. Preferably, the wearing sensing module includes a temperature sensor or a pressure sensor, through which it is judged whether the device is in a wearing state or not. Preferably, the wearing sensing module includes a buckle or a touch button, and the buckle or the touch button triggers a circuit signal to determine whether the device is in a wearing state.
同时为解决上述技术问题，本发明提供的一种高安全性便携式收付款方法，包括设置动作、收款动作和付款动作： At the same time, in order to solve the above technical problems, the present invention provides a highly secure portable payment method, including setting action, collection action and payment action:
其中设置动作包括，Among them, setting actions include,
步骤S1，通过生物传感器设定并存储用户的原始身份信息；设定并存储供用户选择用于收付款的金融支付方式、所述金融支付方式对应的含账户名和密码的金融支付账户信息；Step S1, set and store the original identity information of the user through the biosensor; set and store the financial payment method for the user to select for receiving and payment, and the financial payment account information corresponding to the financial payment method including account name and password;
其中付款动作包括，The payment actions include,
步骤P1，读取物品预设的含价格与金融账户的付款信息，并将价格显示在电子屏幕上；Step P1, read the preset payment information including price and financial account of the item, and display the price on the electronic screen;
步骤P2，用户在预设的备选择金融支付方式中选择付款方式，并确认付款；Step P2, the user selects a payment method from the preset alternative financial payment methods, and confirms the payment;
步骤P3，读取用户即时身份信息，与预设的用户原始身份信息进行比较，如不一致，则在电子屏幕上显示因用户身份验证失败导致付款不成功的信息，结束付款；如一致则进入下一步；Step P3, read the user's real-time identity information and compare it with the preset user's original identity information. If they are inconsistent, the electronic screen will display the information that the payment is unsuccessful due to the failure of user identity verification, and end the payment; if they are consistent, enter the next step. step;
步骤P4，将步骤P1读取到的付款信息与步骤P2选择的金融支付方式对应的金融支付账户信息，通过WiFi无线通信发送给所选择的金融支付方式对应的金融支付中心服务器；Step P4, sending the payment information read in step P1 and the financial payment account information corresponding to the financial payment method selected in step P2 to the financial payment center server corresponding to the selected financial payment method through WiFi wireless communication;
步骤P5，金融支付中心验证金融支付账户的账户名、密码和余额信息；如有误则将通过WiFi无线通信反馈的付款失败原因显示在电子屏幕上，结束付款；如无误则继续付款，完成付款；Step P5, the financial payment center verifies the account name, password and balance information of the financial payment account; if there is an error, the reason for the payment failure fed back through the WiFi wireless communication is displayed on the electronic screen, and the payment is completed; if it is correct, the payment is continued and the payment is completed ;
其中收款动作包括，The collection actions include,
步骤R1，用户设定收款金额，在预设的备选择金融支付方式中选择收款方式，并确认收款；Step R1, the user sets the payment amount, selects the payment method from the preset alternative financial payment methods, and confirms the payment;
步骤R2，读取用户身份即时信息，与预设的用户原始身份信息进行比较，如不一致，则在电子屏幕上显示因用户身份验证失败导致收款不成功的信息，结束收款；如一致则进入下一步；Step R2, read the instant information of the user's identity and compare it with the preset original identity information of the user. If they are not consistent, the electronic screen will display the information that the payment is unsuccessful due to the failure of the user's identity verification, and the payment will be terminated; if they are consistent, then Go to the next step;
步骤R3，以步骤R1设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的收款标签；Step R3, using the collection information set in step R1 including the financial payment method, the account name corresponding to the financial payment method, and the collection amount, to generate a collection label with a certain time limit;
步骤R4，付款方读取收款标签信息并进行支付，用户完成收款。In step R4, the payer reads the collection tag information and makes payment, and the user completes the collection.
作为优选，所述用户原始身份信息和用户即时身份信息的读取，是通过脉搏传感器、人体姿态传感器、人体皮肤传感器或指纹识别传感器中的一种或两种以上生物传感器来读取的。Preferably, the reading of the user's original identity information and the user's instant identity information is read by one or more biosensors among a pulse sensor, a human body posture sensor, a human skin sensor or a fingerprint recognition sensor.
作为优选，所述付款动作中的步骤P1，是通过NFC近场通信读取物品预设电子标签上含价格与金融账户的付款信息；所述收款动作中步骤R3生成的收款标签为NFC电子标签，步骤R4中付款方通过NFC近场通信来读取收款标签中的收款信息。Preferably, the step P1 in the payment action is to read the payment information containing the price and financial account on the preset electronic tag of the item through NFC near-field communication; the collection tag generated in the step R3 in the collection action is NFC The electronic label, in step R4, the payer reads the collection information in the collection label through NFC near field communication.
作为优选，所述付款动作中的步骤P1，是通过扫描物品预设的条形码或二维码标签读取含价格与金融账户的付款信息；所述收款动作中步骤R3生成的收款标签为显示在电子屏幕上的条形码或二维码，步骤R4中付款方通过扫描条形码或二维码来读取收款标签中的收款信息。Preferably, the step P1 in the payment action is to read the payment information including the price and financial account by scanning the preset barcode or two-dimensional code label of the item; the collection label generated in the step R3 in the collection action is The barcode or two-dimensional code displayed on the electronic screen, in step R4, the payer scans the barcode or two-dimensional code to read the collection information in the collection label.
作为优选，本收付款方法中除WiFi无线通信外，还包括3G、蓝牙、USB的一种或多种通信方式，用于与金融支付平台、计算机、手机或其他电子支付设备终端信息交互。Preferably, in addition to WiFi wireless communication, the payment method also includes one or more communication methods of 3G, Bluetooth, and USB for information interaction with financial payment platforms, computers, mobile phones or other electronic payment device terminals.
作为优选，所述供用户选择用于收付款的金融支付方式为一个以上的银行和/或一个以上的第三方支付中心。Preferably, the financial payment method for the user to choose to receive and pay is more than one bank and/or more than one third-party payment center.
作为优选，所述付款动作步骤P5中金融支付中心验证金融支付账户信息无误继续付款后还包括：As a preference, after the financial payment center verifies that the financial payment account information is correct and continues to pay in the payment action step P5, it also includes:
步骤P51，金融支付中心服务器根据金融支付账户的设定，发送短信验证码至所述金融支付账户绑定的手机号；Step P51, the financial payment center server sends a SMS verification code to the mobile phone number bound to the financial payment account according to the setting of the financial payment account;
步骤P52，用户输入上述手机号上收到的短信验证码，并通过WiFi无线通信发送给上述金融支付中心服务器。Step P52, the user enters the SMS verification code received on the above-mentioned mobile phone number, and sends it to the above-mentioned financial payment center server through WiFi wireless communication.
同时为解决上述技术问题，本发明提供的另一种高安全性穿戴式收付款方法，包括设置动作、穿戴验证动作，收款动作和付款动作： At the same time, in order to solve the above technical problems, another high-security wearable collection and payment method provided by the present invention includes a setting action, a wearing verification action, a collection action and a payment action:
其中设置动作包括，Among them, setting actions include,
步骤S1，设置时穿戴可穿戴式收付款装置，通过生物传感器设定并存储用户的原始身份信息；设定并存储供用户选择用于收付款的金融支付方式、所述金融支付方式对应的含账户名和密码的金融支付账户信息；Step S1, wearing a wearable payment collection and payment device during setup, setting and storing the original identity information of the user through the biosensor; Financial payment account information of account name and password;
其中穿戴验证动作包括，The wearing verification actions include,
步骤V1，可穿戴式收付款装置为未穿戴状态时，穿戴验证结果记录为用户身份未验证；Step V1, when the wearable payment collection and payment device is not worn, the wearable verification result is recorded as the user identity is not verified;
步骤V2，非设置状态穿戴可穿戴式收付款装置时，通过生物传感器读取用户即时身份信息，与预设的用户原始身份信息进行比较；如不一致，则穿戴验证结果记录为用户身份验证失败；如一致则穿戴验证结果记录为用户身份验证成功；Step V2, when wearing the wearable payment collection and payment device in the non-setting state, read the user's real-time identity information through the biosensor, and compare it with the preset user's original identity information; if inconsistent, the wearing verification result is recorded as user identity verification failure; If they are consistent, the wear verification result will be recorded as successful user identity verification;
其中付款动作包括，The payment actions include,
步骤P1，读取物品预设的含价格与金融账户的付款信息，并将价格显示在电子屏幕上；Step P1, read the preset payment information including price and financial account of the item, and display the price on the electronic screen;
步骤P2，用户在预设的备选择金融支付方式中选择付款方式，并确认付款；Step P2, the user selects a payment method from the preset alternative financial payment methods, and confirms the payment;
步骤P3，读取穿戴验证动作的结果，如为用户身份未验证或验证失败，则在电子屏幕上显示因用户身份未验证或验证失败导致付款不成功的信息，结束付款；如为用户身份验证成功则进入下一步；Step P3, read the result of the wear verification action, if the user identity is not verified or the verification fails, then display on the electronic screen the information that the payment is unsuccessful due to the user’s identity not verified or verification failure, and end the payment; if it is the user identity verification If successful, proceed to the next step;
步骤P4，将步骤P1读取到的付款信息与步骤P2选择的金融支付方式对应的金融支付账户信息，通过WiFi无线通信发送给所选择的金融支付方式对应的金融支付中心服务器；Step P4, sending the payment information read in step P1 and the financial payment account information corresponding to the financial payment method selected in step P2 to the financial payment center server corresponding to the selected financial payment method through WiFi wireless communication;
步骤P5，金融支付中心验证金融支付账户的账户名、密码和余额信息；如有误则将通过WiFi无线通信反馈的付款失败原因显示在电子屏幕上，结束付款；如无误则继续付款，完成付款；Step P5, the financial payment center verifies the account name, password and balance information of the financial payment account; if there is an error, the reason for the payment failure fed back through the WiFi wireless communication is displayed on the electronic screen, and the payment is completed; if it is correct, the payment is continued and the payment is completed ;
其中收款动作包括，The collection actions include,
步骤R1，用户设定收款金额，在预设的备选择金融支付方式中选择收款方式，并确认收款；Step R1, the user sets the payment amount, selects the payment method from the preset alternative financial payment methods, and confirms the payment;
步骤R2，读取穿戴验证动作的结果，如为用户身份未验证或验证失败，则在电子屏幕上显示因用户身份未验证或验证失败导致收款不成功的信息，结束收款；如为用户身份验证成功则进入下一步；Step R2, read the result of the wear verification action. If the user’s identity is not verified or the verification fails, the electronic screen will display the information that the payment is not successful due to the user’s identity is not verified or the verification fails, and the payment is terminated; if it is the user If the identity verification is successful, go to the next step;
步骤R3，以步骤R1设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的收款标签；Step R3, using the collection information set in step R1 including the financial payment method, the account name corresponding to the financial payment method, and the collection amount, to generate a collection label with a certain time limit;
步骤R4，付款方读取收款标签信息并进行支付，用户完成收款。In step R4, the payer reads the collection tag information and makes payment, and the user completes the collection.
作为优选，上述穿戴式收付款方法中所述用户原始身份信息和用户即时身份信息的读取，是通过脉搏传感器、人体姿态传感器、人体皮肤传感器中的一种或两种以上生物传感器来读取的。As a preference, the reading of the user's original identity information and the user's instant identity information in the above-mentioned wearable collection and payment method is to read through one or two or more biosensors in a pulse sensor, a human body posture sensor, and a human skin sensor. of.
作为优选，上述穿戴式收付款方法中所述付款动作中的步骤P1，是通过NFC近场通信读取物品预设电子标签上含价格与金融账户的付款信息；所述收款动作中步骤R3生成的收款标签为NFC电子标签，步骤R4中付款方通过NFC近场通信来读取收款标签中的收款信息。Preferably, the step P1 in the payment action in the above-mentioned wearable collection and payment method is to read the payment information containing the price and financial account on the preset electronic tag of the item through NFC near field communication; the step R3 in the payment collection action The generated collection tag is an NFC electronic tag, and in step R4, the payer reads the collection information in the collection tag through NFC near field communication.
作为优选，上述穿戴式收付款方法中所述付款动作中的步骤P1，是通过扫描物品预设的条形码或二维码标签读取含价格与金融账户的付款信息；所述收款动作中步骤R3生成的收款标签为显示在电子屏幕上的条形码或二维码，步骤R4中付款方通过扫描条形码或二维码来读取收款标签中的收款信息。As a preference, step P1 in the payment action in the above-mentioned wearable collection and payment method is to read the payment information including price and financial account by scanning the preset barcode or two-dimensional code label of the item; The collection label generated by R3 is a barcode or two-dimensional code displayed on the electronic screen. In step R4, the payer reads the collection information in the collection label by scanning the barcode or two-dimensional code.
作为优选，上述穿戴式收付款方法中除WiFi无线通信外，还包括3G、蓝牙、USB的一种或多种通信方式，用于与金融支付平台、计算机、手机或其他电子支付设备终端信息交互。Preferably, in addition to WiFi wireless communication, the above-mentioned wearable collection and payment method also includes one or more communication methods of 3G, Bluetooth, and USB for information interaction with financial payment platforms, computers, mobile phones or other electronic payment equipment terminals .
作为优选，上述穿戴式收付款方法中所述供用户选择用于收付款的金融支付方式为一个以上的银行和/或一个以上的第三方支付中心。Preferably, in the above wearable payment method, the financial payment method for the user to select for payment is more than one bank and/or more than one third-party payment center.
作为优选，上述穿戴式收付款方法中，所述付款动作步骤P5中金融支付中心验证金融支付账户信息无误继续付款后还包括：As a preference, in the above-mentioned wearable collection and payment method, in the payment action step P5, after the financial payment center verifies that the financial payment account information is correct and continues to pay, it also includes:
步骤P51，金融支付中心服务器根据金融支付账户的设定，发送短信验证码至所述金融支付账户绑定的手机号；Step P51, the financial payment center server sends a SMS verification code to the mobile phone number bound to the financial payment account according to the setting of the financial payment account;
步骤P52，用户输入上述手机号上收到的短信验证码，并通过WiFi无线通信发送给上述金融支付中心服务器。Step P52, the user enters the SMS verification code received on the above-mentioned mobile phone number, and sends it to the above-mentioned financial payment center server through WiFi wireless communication.
作为优选，上述穿戴式收付款方法中通过用户身份识别指示灯显示用户身份验证结果。未穿戴所述可穿戴式收付款装置时，该指示灯为熄灭状态；非设置状态穿戴所述可穿戴式收付款装置时，当穿戴验证结果记录为用户身份验证失败时，指示灯呈红色，当穿戴验证结果记录为用户身份验证成功时，指示灯呈绿色。Preferably, in the above-mentioned wearable collection and payment method, the user identity verification result is displayed through the user identity identification indicator light. When the wearable payment collection device is not worn, the indicator light is off; when the wearable payment payment device is worn in a non-setting state, when the wearable verification result is recorded as user identity verification failure, the indicator light is red, When the wearing verification result is recorded as a successful user authentication, the indicator light is green.
作为优选，上述穿戴式收付款方法中所述可穿戴式收付款装置，其外形为手表形或手环形或戒指形等可穿戴样式，亦可内置于腕表、手环、手链、戒指等配饰中。Preferably, the wearable payment payment device described in the above-mentioned wearable payment payment method has a wearable shape such as a wrist watch or a wrist ring or a ring, and can also be built into accessories such as watches, bracelets, bracelets, and rings. middle.
上述穿戴式收付款方法中的可穿戴式收付款装置中，包括穿戴感应模块，一种方式是通过温度传感器或压力传感器来判断该装置是否为穿戴状态，另一种方式是通过卡扣或者触钮触发电路信号来判断该装置是否为穿戴状态。The wearable payment collection and payment device in the above wearable payment collection and payment method includes a wearable sensing module, one way is to judge whether the device is in a wearable state through a temperature sensor or a pressure sensor, and the other way is to use a buckle or touch The button triggers the circuit signal to determine whether the device is in the wearing state.
该方式中，用户只需穿戴上收付款装置即完成身份识别验证，只要不脱下该装置即可反复进行收付款操作，进一步减少了每次收付款动作时原需反复进行身份识别验证的步骤，且用指示灯直观表达用户身份识别结果，更为简洁、快捷、安全。In this method, the user only needs to put on the receiving and payment device to complete the identity verification. As long as the device is not taken off, the payment and payment operation can be repeated, which further reduces the steps of repeated identity verification for each payment and payment action. , and use the indicator light to intuitively express the user identification result, which is more concise, fast and safe.
有益效果：本发明提供了一种高安全性便携式收付款装置以及适用于这一便携式收付款装置的高安全性便携式收付款方法，通过生物传感器进行用户身份预先设定，使用时通过生物传感器进行身份验证与识别，减少了手工输入密码等信息进行登录和验证的步骤，也大幅减少了收付款过程中的多步操作，实现了便捷、安全的邻近电子付款与收款，一方面极大提高了安全性和保密性，另一方面很好了提升了易用性，扩大了人群适用的范围。同时还可内置于可穿戴手表、手环、手链或戒指等配饰中，方便时尚。Beneficial effects: the present invention provides a high-security portable payment collection and payment device and a high-security portable payment collection and payment method suitable for the portable payment collection and payment device. The user identity is pre-set through the biosensor, and the user identity is pre-set through the biosensor during use. Identity verification and identification reduces the steps of manually entering passwords and other information for login and verification, and also greatly reduces the multi-step operations in the process of receiving and paying, realizing convenient and safe nearby electronic payment and receiving, and greatly improving On the other hand, it improves the ease of use and expands the scope of application for the crowd. It can also be built into accessories such as wearable watches, wristbands, bracelets or rings, which is convenient and stylish.
附图说明Description of drawings
图1是本发明收付款装置实施例1的结构示意图；Fig. 1 is a schematic structural view of Embodiment 1 of the payment collection device of the present invention;
图2是本发明收付款装置实施例2的结构示意图；Fig. 2 is a schematic structural diagram of Embodiment 2 of the payment collection device of the present invention;
图3是用于实施例1的一种便携式收付款方法的付款动作流程图；Fig. 3 is a flow chart of the payment action for a portable payment method in Embodiment 1;
图4是用于实施例1的一种便携式收付款方法的收款动作流程图；Fig. 4 is a flow chart of the collection action of a portable collection and payment method used in Embodiment 1;
图5是用于实施例2的一种便携式收付款方法的付款动作流程图；Fig. 5 is a flow chart of payment actions for a portable payment method in Embodiment 2;
图6是用于实施例2的一种便携式收付款方法的收款动作流程图；Fig. 6 is a flow chart of the collection action of a portable collection and payment method used in Embodiment 2;
图7是用于实施例1的另一种穿戴式收付款方法的付款动作流程图；FIG. 7 is a flow chart of payment actions for another wearable payment method in Embodiment 1;
图8是用于实施例1的另一种穿戴式收付款方法的收款动作流程图。Fig. 8 is a flow chart of payment collection for another wearable collection and payment method in Embodiment 1.
具体实施方式Detailed ways
实施例1：结构示意图如图1所示，本发明收付款装置包括：存储模块1、付款信息读取与收款信息设置模块2、终端用户身份识别模块3、通信模块4、输入输出模块5、微控制器6。其中付款信息读取与收款信息设置模块2，包括内置NFC模块21；所述终端用户身份识别模块3中，包括内置脉搏传感器31；所述通信模块4，包括内置WiFi模块41；所述输入输出模块5中包括电子屏幕51和硬键盘52。该装置电子屏幕51为低功耗的小尺寸OLED屏。Embodiment 1: Structural schematic diagram As shown in Figure 1, the payment collection and payment device of the present invention includes: a storage module 1, a payment information reading and payment collection information setting module 2, an end user identification module 3, a communication module 4, and an input and output module 5 , microcontroller 6. Wherein the payment information reading and collection information setting module 2 includes a built-in NFC module 21; in the terminal user identification module 3, includes a built-in pulse sensor 31; the communication module 4 includes a built-in WiFi module 41; the input The output module 5 includes an electronic screen 51 and a hard keyboard 52 . The electronic screen 51 of the device is a small-sized OLED screen with low power consumption.
该装置可以为可穿戴式，如内置于腕表、手环、手链、戒指等配饰中，亦可直接将外形设计为手表形或手环形或戒指型等可穿戴样式；当然，本装置也可以为非穿戴式，如钱包、打火机、化妆盒、口红等小巧便携式样式。The device can be wearable, such as being built into accessories such as watches, bracelets, bracelets, rings, etc., and can also be directly designed into wearable styles such as watch-shaped or bracelet-shaped or ring-shaped; of course, the device can also be It is non-wearable, such as wallets, lighters, cosmetic cases, lipsticks and other small and portable styles.
下面以该装置内置于可穿戴手表中为例，对本发明收付款装置的工作过程进行描述：The following takes the device built into a wearable watch as an example to describe the working process of the payment collection device of the present invention:
设置时：将此装置通过WiFi模块41与计算机连接，通过计算机向存储模块1中写入供用户选择的金融支付方式，该金融支付方式可为一个以上的银行和/或一个以上的第三方支付中心；摁下硬键盘52上的原始身份预设键，向存储模块1中写入通过脉搏传感器读取的用户原始身份信息。此时完成了终端用户的所有设置动作，后期也可以在完成终端用户身份识别后，对上述信息进行改写。When setting: connect this device with the computer through the WiFi module 41, and write the financial payment method for the user to choose in the storage module 1 through the computer. The financial payment method can be paid by more than one bank and/or more than one third party Center; press the original identity preset key on the hard keyboard 52, and write the user's original identity information read by the pulse sensor in the storage module 1. At this point, all the setting actions of the terminal user are completed, and the above information can also be rewritten later after the identification of the terminal user is completed.
付款时：用户将内置此收付款装置的手表贴近想购买的物品；该装置通过NFC模块21近场通信读取物品电子标签上预设的含价格与金融账户的付款信息，并将价格和所有备选择的金融支付方式显示在电子屏幕51上；用户选择付款用金融支付方式后，摁下硬键盘52上的一键式付款按钮，确认付款；该装置通过脉搏传感器31读取用户即时身份信息，与预设的用户原始身份信息进行比较，如不一致，在电子屏幕51上显示因用户身份验证失败导致付款不成功的信息，结束付款；如一致则将读取到的付款信息与用户选择的金融支付方式对应的金融支付账户信息，通过WiFi模块41发送给所选择的金融支付方式对应的金融支付中心服务器；金融支付中心验证金融支付账户的账户名、密码和余额信息，如有误则通过WiFi模块41将付款失败原因反馈给该装置，该装置将付款失败原因显示在电子屏幕51上，结束付款，如无误则继续付款，完成一键式付款。When paying: the user puts the watch with the built-in payment device close to the item he wants to buy; the device reads the preset payment information on the electronic tag of the item through the NFC module 21 near-field communication, including the price and the financial account, and compares the price and all The optional financial payment method is displayed on the electronic screen 51; after the user selects the financial payment method for payment, he presses the one-button payment button on the hard keyboard 52 to confirm the payment; the device reads the user's instant identity information through the pulse sensor 31 , compared with the preset user’s original identity information, if inconsistent, display on the electronic screen 51 the information that the payment is unsuccessful due to the failure of user identity verification, and end the payment; if consistent, the payment information read and the user’s selected The financial payment account information corresponding to the financial payment method is sent to the financial payment center server corresponding to the selected financial payment method through the WiFi module 41; the financial payment center verifies the account name, password and balance information of the financial payment account, and passes The WiFi module 41 feeds back the reason for the payment failure to the device, and the device displays the reason for the payment failure on the electronic screen 51, ends the payment, and continues the payment if it is correct, and completes the one-click payment.
若用户金融支付账户预设了短信验证功能，上述金融支付中心验证金融支付账户信息无误继续付款后，发送短信验证码至该金融支付账户绑定的手机号，用户在该收付款装置的硬键盘52上输入绑定手机号上收到的短信验证码，该装置将用户输入的短信验证码通过WiFi模块41发送给上述金融支付中心服务器，实现短信验证并最终完成付款。If the user's financial payment account has a preset text message verification function, the above-mentioned financial payment center will send a text message verification code to the mobile phone number bound to the financial payment account after verifying that the financial payment account information is correct and continue to pay. Input the short message verification code received on the bound mobile phone number at 52, and the device sends the short message verification code input by the user to the above-mentioned financial payment center server through the WiFi module 41 to realize short message verification and finally complete the payment.
当然该装置通信模块4中除WiFi模块41外，还可内置包含上述手机号对应手机卡的3G模块，并替代WiFi实现该装置与金融支付中心的信息交互。Of course, in addition to the WiFi module 41, the communication module 4 of the device can also have a built-in 3G module including a mobile phone card corresponding to the above-mentioned mobile phone number, and replace the WiFi to realize the information interaction between the device and the financial payment center.
收款时：用户在硬键盘52上输入收款金额；该装置将价格和所有备选择的金融支付方式显示在电子屏幕51上；用户选择收款用的金融支付方式后，摁下硬键盘52上的一键式收款按钮，确认收款；该装置通过脉搏传感器31读取用户即时身份信息，与预设的用户原始身份信息进行比较，如不一致，在电子屏幕51上显示因用户身份验证失败导致收款不成功的信息，结束收款；如一致则通过NFC模块21，将上述设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的NFC电子标签；付款方通过NFC近场通信来读取收款电子标签中的收款信息并进行支付，用户完成收款。When receiving money: the user inputs the amount of money to be collected on the hard keyboard 52; the device displays the price and all alternative financial payment methods on the electronic screen 51; after the user selects the financial payment method for receiving money, press the hard keyboard 52 The one-button collection button on the screen confirms the collection; the device reads the user's real-time identity information through the pulse sensor 31, and compares it with the preset user's original identity information. If it is inconsistent, it will display on the electronic screen 51 Failure causes the information that the collection is unsuccessful, and ends the collection; if it is consistent, the above-mentioned set financial payment method, the account name corresponding to the financial payment method and the collection amount are generated by the NFC module 21. A certain time-sensitive NFC electronic tag; the payer reads the collection information in the collection electronic tag through NFC near-field communication and makes payment, and the user completes the collection.
实施例2：结构示意图如图2所示，本发明收付款装置包括：存储模块1、付款信息读取与收款信息设置模块2、终端用户身份识别模块3、通信模块4、输入输出模块5、微控制器6。其中付款信息读取与收款信息设置模块2，包括内置扫码模块22、条形码和二维码生成模块23；所述终端用户身份识别模块3中，包括内置人体皮肤传感器33和指纹识别传感器32；所述通信模块4，包括内置WiFi模块41、蓝牙42和USB 43；所述输入输出模块5中包括电子屏幕51和屏幕上的软键盘53。 Embodiment 2: Structural schematic diagram As shown in Figure 2, the payment collection and payment device of the present invention includes: a storage module 1, a payment information reading and collection information setting module 2, an end user identification module 3, a communication module 4, and an input and output module 5 , microcontroller 6. Wherein the payment information reading and collection information setting module 2 includes a built-in code scanning module 22, a barcode and a two-dimensional code generation module 23; in the terminal user identification module 3, a built-in human skin sensor 33 and a fingerprint recognition sensor 32 are included The communication module 4 includes a built-in WiFi module 41, Bluetooth 42 and USB 43; the input and output module 5 includes an electronic screen 51 and a soft keyboard 53 on the screen.
该装置可以为可穿戴式，如内置于腕表、手环、手链、戒指等配饰中，亦可直接将外形设计为手表形、手环形或戒指型等可穿戴样式；当然，本装置也可以为非穿戴式，如钱包、打火机、化妆盒、口红等小巧便携式样式。The device can be wearable, such as being built into accessories such as watches, bracelets, bracelets, rings, etc., and can also be directly designed into wearable styles such as watch shape, wrist ring shape or ring shape; of course, the device can also be It is non-wearable, such as wallets, lighters, cosmetic cases, lipsticks and other small and portable styles.
该装置的工作过程为：The working process of the device is:
设置时：将此装置通过WiFi模块41或蓝牙42或USB接口43与计算机连接，通过计算机向存储模块1中写入供用户选择的金融支付方式，该金融支付方式可为一个以上的银行和/或一个以上的第三方支付中心；摁下软键盘53上的原始身份预设键，将此收付款装置放在用户手腕、掌心、手背或其他身体部位，向存储模块1中写入通过人体皮肤传感器33读取的用户原始身份皮肤信息；将用户手指置于指纹传感器32上扫描，向存储模块1中写入通过指纹传感器读取的用户原始身份指纹信息。此时完成了终端用户的所有设置动作，后期也可以在完成终端用户身份识别后，对上述信息进行改写。During setting: this device is connected with computer by WiFi module 41 or bluetooth 42 or USB interface 43, writes the financial payment method for user's choice in storage module 1 by computer, and this financial payment method can be more than one bank and/or Or more than one third-party payment center; press the original identity preset key on the soft keyboard 53, place this collection and payment device on the user's wrist, palm, back of hand or other body parts, and write in the memory module 1 The user's original identity skin information read by the sensor 33; the user's finger is placed on the fingerprint sensor 32 to scan, and the user's original identity fingerprint information read by the fingerprint sensor is written into the storage module 1. At this point, all the setting actions of the terminal user are completed, and the above information can also be rewritten later after the identification of the terminal user is completed.
付款时：用户通过该收付款装置上的扫码模块22扫描物品上预设的条形码或二维码；该装置读取含价格与金融账户的付款信息，并将价格和所有备选择的金融支付方式显示在电子屏幕51上；用户选择付款用金融支付方式后，摁下软键盘53上的一键式付款按钮，确认付款；该装置通过人体皮肤传感器33读取用户即时身份皮肤信息，与预设的用户原始身份皮肤信息进行比较，同时该装置提示用户将手指置于指纹传感器32上扫描，并将读取的用户即时身份指纹信息，与预设的用户原始身份指纹信息进行比较，如存在不一致，在电子屏幕51上显示因用户身份验证失败导致付款不成功的信息，结束付款；如均一致，则将读取到的付款信息与用户选择的金融支付方式对应的金融支付账户信息，通过WiFi模块41发送给所选择的金融支付方式对应的金融支付中心服务器；金融支付中心验证金融支付账户的账户名、密码和余额信息，如有误则通过WiFi模块41将付款失败原因反馈给该装置，该装置将付款失败原因显示在电子屏幕51上，结束付款，如无误则继续付款，完成一键式付款。When paying: the user scans the preset barcode or two-dimensional code on the item through the code scanning module 22 on the receiving and payment device; the device reads the payment information including the price and financial account, and sends the price and all optional financial payment The method is displayed on the electronic screen 51; after the user selects the financial payment method for payment, press the one-button payment button on the soft keyboard 53 to confirm the payment; The user's original identity skin information is compared with the preset user's original identity skin information. At the same time, the device prompts the user to place the finger on the fingerprint sensor 32 for scanning, and compares the read user's instant identity fingerprint information with the preset user's original identity fingerprint information. Inconsistent, display on the electronic screen 51 the information that the payment is unsuccessful due to the failure of user identity verification, and end the payment; The WiFi module 41 sends to the financial payment center server corresponding to the selected financial payment method; the financial payment center verifies the account name, password and balance information of the financial payment account, and if there is any error, the reason for the payment failure is fed back to the device by the WiFi module 41 , the device displays the cause of payment failure on the electronic screen 51, ends the payment, and continues to pay if it is correct, and completes the one-click payment.
若用户金融支付账户预设了短信验证功能，上述金融支付中心验证金融支付账户信息无误继续付款后，发送短信验证码至该金融支付账户绑定的手机号，用户在该收付款装置的软键盘53上输入绑定手机号上收到的短信验证码，该装置将用户输入的短信验证码通过WiFi模块41发送给上述金融支付中心服务器，实现短信验证并最终完成付款。If the user's financial payment account has a preset text message verification function, the above-mentioned financial payment center will send a text message verification code to the mobile phone number bound to the financial payment account after verifying that the financial payment account information is correct and continue to pay. Input the SMS verification code received on the bound mobile phone number at 53, and the device sends the SMS verification code input by the user to the above-mentioned financial payment center server through the WiFi module 41 to realize SMS verification and finally complete the payment.
当然该装置通信模块4中还可内置包含上述手机号对应手机卡的3G模块，并替代WiFi实现该装置与金融支付中心的信息交互。Of course, the communication module 4 of the device can also have a built-in 3G module including a mobile phone card corresponding to the above-mentioned mobile phone number, and replace WiFi to realize the information interaction between the device and the financial payment center.
收款时：用户在软键盘53上输入收款金额；该装置将价格和所有备选择的金融支付方式显示在电子屏幕51上；用户选择收款用的金融支付方式后，摁下软键盘53上的一键式收款按钮，确认收款；该装置通过人体皮肤传感器33读取用户即时身份皮肤信息，与预设的用户原始身份皮肤信息进行比较，同时该装置提示用户将手指置于指纹传感器32上扫描，并将读取的用户即时身份指纹信息，与预设的用户原始身份指纹信息进行比较，如存在不一致，在电子屏幕51上显示因用户身份验证失败导致收款不成功的信息，结束收款；如均一致，则通过条形码和二维码生成模块23，将上述设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的条形码或二维码；付款方通过扫描上述条形码或二维码中的收款信息并进行支付，用户完成收款。When receiving money: the user inputs the amount of money to be collected on the soft keyboard 53; the device displays the price and all alternative financial payment methods on the electronic screen 51; after the user selects the financial payment method for receiving money, press the soft keyboard 53 The one-button collection button on the screen confirms the payment; the device reads the user's real-time identity skin information through the human skin sensor 33, compares it with the preset user's original identity skin information, and at the same time the device prompts the user to place the finger on the fingerprint Scan on the sensor 32, and compare the read user's instant identity fingerprint information with the preset user's original identity fingerprint information. If there is an inconsistency, the electronic screen 51 will display the information that the payment is unsuccessful due to the failure of the user identity verification , to end the collection; if they are all consistent, then through the barcode and two-dimensional code generation module 23, the above-mentioned collection information containing the financial payment method, the account name corresponding to the financial payment method and the collection amount will be generated with a certain amount. A time-sensitive barcode or QR code; the payer scans the collection information in the above barcode or QR code and makes payment, and the user completes the collection.
当本发明中上述装置为可穿戴式收付款装置时，还可以包括穿戴感应模块（图中未示出），用来判断该装置是否为穿戴状态。一种方式是该穿戴感应模块包括温度传感器或压力传感器，一旦穿戴上，通过温感或压感判断该装置是否为穿戴状态；另一种方式是通过装置上的穿戴卡扣（如手表带卡扣），一旦卡扣成功合上，该穿戴感应模块则触发电路信号来判断该装置是否为穿戴状态；也可以是在装置接触身体部分设置弹出式触钮，一旦穿戴上该装置，触纽受到挤压嵌入装置内部，以此触发电路信号来判断该装置是否为穿戴状态。When the above-mentioned device in the present invention is a wearable collection and payment device, it may also include a wearable sensing module (not shown in the figure), which is used to determine whether the device is in a wearable state. One way is that the wearing sensing module includes a temperature sensor or a pressure sensor. Once worn, it can be judged whether the device is in a wearing state through the temperature or pressure sensing; buckle), once the buckle is successfully closed, the wearing sensor module will trigger the circuit signal to judge whether the device is in the wearing state; or a pop-up touch button can be set on the part of the device that touches the body, once the device is worn, the touch button is received Squeeze the inside of the embedded device to trigger a circuit signal to determine whether the device is in a wearing state.
此时还可以存在另一种工作过程，与前面所述工作过程相同之处不在累述，下面就不同之处描述如下：At this time, another kind of work process can also exist, and the similarities with the aforementioned work process will not be repeated, and the differences are described below:
设置时：用户摁下原始身份预设键，穿戴上该装置，穿戴感应模块判断该装置为穿戴状态，触发该装置向存储模块中写入通过脉搏传感器、人体皮肤传感器等生物传感器读取的用户原始身份信息。When setting: the user presses the original identity preset key, wears the device, and the wearing sensor module judges that the device is in the wearing state, and triggers the device to write into the storage module the user’s data read by biosensors such as pulse sensors and human skin sensors. original identity information.
非设置状态时：如用户未穿戴或脱下该装置时，穿戴感应模块判断该装置为未穿戴状态，穿戴验证结果记录为用户身份未验证；一旦用户将该装置成功穿戴上，穿戴感应模块判断该装置为穿戴状态，即触发该装置通过脉搏传感器、人体皮肤传感器等生物传感器读取用户即时身份信息，与预设的用户原始身份信息进行比较；如存在不一致，则穿戴验证结果记录为用户身份验证失败；如均一致则穿戴验证结果记录为用户身份验证成功。In non-setting state: if the user does not wear or take off the device, the wearing sensing module judges that the device is not wearing, and the wearing verification result is recorded as the user’s identity is not verified; once the user successfully wears the device, the wearing sensing module judges The device is in the wearing state, that is, the device is triggered to read the user's real-time identity information through biosensors such as pulse sensors and human skin sensors, and compare it with the preset original user identity information; if there is any inconsistency, the wearing verification result will be recorded as the user's identity Verification failed; if they are consistent, the wear verification result will be recorded as successful user authentication.
付款时：当用户摁下一键式付款按钮确认付款时，该装置读取穿戴验证动作的结果，如为用户身份未验证或验证失败，则在电子屏幕上显示因用户身份未验证或验证失败导致付款不成功的信息，结束付款；如为用户身份验证成功则继续付款。When paying: When the user presses the one-touch payment button to confirm the payment, the device reads the result of the wear verification action. If the user's identity is not verified or the verification fails, it will display on the electronic screen that the user's identity has not been verified or the verification failed. If the information that causes the payment to be unsuccessful, the payment will be terminated; if the user identity verification is successful, the payment will continue.
收款时，当用户摁下一键式收款按钮确认收款时，该装置读取穿戴验证动作的结果，如为用户身份未验证或验证失败，则在电子屏幕上显示因用户身份未验证或验证失败导致收款不成功的信息，结束收款；如为用户身份验证成功则继续收款。When receiving money, when the user presses the one-touch payment button to confirm the payment, the device reads the result of the wear verification action. If the user's identity is not verified or the verification fails, it will display on the electronic screen that the user's identity has not been verified. Or the information that the verification fails and the payment is unsuccessful, the payment will be terminated; if the user identity verification is successful, the payment will continue.
此方式下，用户只需穿戴上收付款装置即完成身份识别验证，只要不脱下该装置即可反复进行收付款操作，进一步减少了每一次收付款动作时原来需要反复进行身份识别验证的步骤，更为简洁、快捷、安全。In this way, the user only needs to put on the collection and payment device to complete the identity verification. As long as the device is not taken off, the payment and payment operation can be repeated, which further reduces the need for repeated identification and verification steps for each payment and payment action. , more concise, fast and secure.
当然，本发明不局限于上述实施例，终端用户身份识别模块3中的生物传感器还可根据用户需求进行组合设定，可为脉搏传感器、人体姿态传感器、人体皮肤传感器或指纹识别传感器中的一种或两种以上。上述通信模块4中，至少包括内置WiFi模块41，此外可包括3G模块、蓝牙、USB的一种或多种，用于与金融支付平台、计算机、手机或其他电子支付设备终端信息交互。上述输入输出模块中的键盘可为软键盘或硬键盘的任意一种。Of course, the present invention is not limited to the above-mentioned embodiments, and the biosensor in the terminal user identification module 3 can also be combined and set according to user needs, and can be one of a pulse sensor, a human body posture sensor, a human skin sensor or a fingerprint recognition sensor. species or two or more. The communication module 4 above includes at least a built-in WiFi module 41, and may also include one or more of 3G modules, Bluetooth, and USB for information interaction with financial payment platforms, computers, mobile phones, or other electronic payment device terminals. The keyboard in the above-mentioned input and output module can be any one of soft keyboard or hard keyboard.
本发明提供的用于该装置实施例1的便携式收付款方法，包括设置动作、收款动作和付款动作： The portable collection and payment method used in Embodiment 1 of the device provided by the present invention includes a setting action, a collection action and a payment action:
其中设置动作包括，Among them, setting actions include,
步骤S1，通过脉搏传感器设定并存储用户的原始身份信息；设定并存储供用户选择用于收付款的金融支付方式、所述金融支付方式对应的含账户名和密码的金融支付账户信息；Step S1, set and store the original identity information of the user through the pulse sensor; set and store the financial payment method for the user to choose for receiving and payment, and the financial payment account information including the account name and password corresponding to the financial payment method;
其中付款动作如图3所示，包括，The payment action is shown in Figure 3, including,
步骤P1，通过NFC近场通信读取物品预设的含价格与金融账户的付款信息，并将价格显示在收付款装置的电子屏幕上；Step P1, read the preset payment information including price and financial account of the item through NFC near-field communication, and display the price on the electronic screen of the payment collection device;
步骤P2，用户在预设的备选择金融支付方式中选择付款方式，并确认付款；Step P2, the user selects a payment method from the preset alternative financial payment methods, and confirms the payment;
步骤P3，通过脉搏传感器读取用户即时身份信息，与预设的用户原始身份信息进行比较，如不一致，则在电子屏幕上显示因用户身份验证失败导致付款不成功的信息，结束付款；如一致则进入下一步；Step P3, read the real-time identity information of the user through the pulse sensor, compare it with the preset original identity information of the user, if inconsistent, display the information on the electronic screen that the payment is unsuccessful due to the failure of user identity verification, and end the payment; if consistent Then go to the next step;
步骤P4，将步骤P1读取到的付款信息与步骤P2选择的金融支付方式对应的金融支付账户信息，通过WiFi无线通信发送给所选择的金融支付方式对应的金融支付中心服务器；Step P4, sending the payment information read in step P1 and the financial payment account information corresponding to the financial payment method selected in step P2 to the financial payment center server corresponding to the selected financial payment method through WiFi wireless communication;
步骤P5，金融支付中心验证金融支付账户的账户名、密码和余额信息；如有误则将通过WiFi无线通信反馈的付款失败原因显示在电子屏幕上，结束付款；如无误则继续付款，完成付款；Step P5, the financial payment center verifies the account name, password and balance information of the financial payment account; if there is an error, the reason for the payment failure fed back through the WiFi wireless communication is displayed on the electronic screen, and the payment is completed; if it is correct, the payment is continued and the payment is completed ;
当然，如果用户金融支付账户预设了短信验证功能，上述付款动作步骤P5中金融支付中心验证金融支付账户信息无误继续付款后还包括（图中未示出）：Of course, if the user’s financial payment account has a SMS verification function preset, the financial payment center in step P5 of the above payment action after verifying that the financial payment account information is correct and continuing to pay also includes (not shown in the figure):
步骤P51，金融支付中心服务器根据金融支付账户的设定，发送短信验证码至所述金融支付账户绑定的手机号；Step P51, the financial payment center server sends a SMS verification code to the mobile phone number bound to the financial payment account according to the setting of the financial payment account;
步骤P52，用户输入上述手机号上收到的短信验证码，并通过WiFi无线通信发送给上述金融支付中心服务器；Step P52, the user enters the SMS verification code received on the above mobile phone number, and sends it to the above financial payment center server through WiFi wireless communication;
从而完成付款；thereby completing the payment;
其中收款动作如图4所示，包括，The collection action is shown in Figure 4, including:
步骤R1，用户设定收款金额，在预设的备选择金融支付方式中选择收款方式，并确认收款；Step R1, the user sets the payment amount, selects the payment method from the preset alternative financial payment methods, and confirms the payment;
步骤R2，通过脉搏传感器读取用户身份即时信息，与预设的用户原始身份信息进行比较，如不一致，则在电子屏幕上显示因用户身份验证失败导致收款不成功的信息，结束收款；如一致则进入下一步；Step R2, read the instant information of the user's identity through the pulse sensor, compare it with the preset original identity information of the user, if inconsistent, display on the electronic screen the information that the payment is unsuccessful due to the failure of the user's identity verification, and end the payment; If consistent, go to the next step;
步骤R3，以步骤R1设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的NFC电子收款标签；Step R3, using the collection information set in step R1 including the financial payment method, the account name corresponding to the financial payment method, and the collection amount, to generate an NFC electronic collection label with a certain time limit;
步骤R4，付款方通过NFC近场通信读取电子收款标签上的收款信息并进行支付，用户完成收款。In step R4, the payer reads the collection information on the electronic collection label through NFC near-field communication and makes payment, and the user completes the collection.
本发明提供的用于该装置实施例2的便携式收付款方法，包括设置动作、收款动作和付款动作： The portable collection and payment method used in Embodiment 2 of the device provided by the present invention includes a setting action, a collection action and a payment action:
其中设置动作包括，Among them, setting actions include,
步骤S1，通过人体皮肤传感器和指纹传感器设定并存储用户的原始身份皮肤信息和原始身份指纹信息；设定并存储供用户选择用于收付款的金融支付方式、所述金融支付方式对应的含账户名和密码的金融支付账户信息；Step S1, set and store the user's original identity skin information and original identity fingerprint information through the human skin sensor and fingerprint sensor; set and store the financial payment method for the user to choose for receiving and payment, and the corresponding financial payment method. Financial payment account information of account name and password;
其中付款动作如图5所示，包括，The payment action is shown in Figure 5, including,
步骤P1，扫描物品预设的条形码或二维码标签读取含价格与金融账户的付款信息，并将价格显示在收付款装置的电子屏幕上；Step P1, scan the preset barcode or QR code label of the item to read the payment information including the price and financial account, and display the price on the electronic screen of the payment collection device;
步骤P2，用户在预设的备选择金融支付方式中选择付款方式，并确认付款；Step P2, the user selects a payment method from the preset alternative financial payment methods, and confirms the payment;
步骤P3，通过人体皮肤传感器读取用户即时身份皮肤信息，与预设的用户原始身份皮肤信息进行比较，通过指纹传感器读取用户即时身份指纹信息，与预设的用户原始身份指纹信息进行比较；如存在不一致，则在电子屏幕上显示因用户身份验证失败导致付款不成功的信息，结束付款；如均一致则进入下一步；Step P3, read the user's instant identity skin information through the human skin sensor, compare it with the preset user's original identity skin information, read the user's instant identity fingerprint information through the fingerprint sensor, and compare it with the preset user's original identity fingerprint information; If there is any inconsistency, the electronic screen will display the information that the payment is unsuccessful due to the failure of user identity verification, and end the payment; if they are consistent, go to the next step;
步骤P4，将步骤P1读取到的付款信息与步骤P2选择的金融支付方式对应的金融支付账户信息，通过WiFi无线通信发送给所选择的金融支付方式对应的金融支付中心服务器；Step P4, sending the payment information read in step P1 and the financial payment account information corresponding to the financial payment method selected in step P2 to the financial payment center server corresponding to the selected financial payment method through WiFi wireless communication;
步骤P5，金融支付中心验证金融支付账户的账户名、密码和余额信息；如有误则将通过WiFi无线通信反馈的付款失败原因显示在电子屏幕上，结束付款；如无误则继续付款，完成付款；Step P5, the financial payment center verifies the account name, password and balance information of the financial payment account; if there is an error, the reason for the payment failure fed back through the WiFi wireless communication is displayed on the electronic screen, and the payment is completed; if it is correct, the payment is continued and the payment is completed ;
当然，如果用户金融支付账户预设了短信验证功能，上述付款动作步骤P5中金融支付中心验证金融支付账户信息无误继续付款后还包括（图中未示出）：Of course, if the user’s financial payment account has a SMS verification function preset, the financial payment center in step P5 of the above payment action after verifying that the financial payment account information is correct and continuing to pay also includes (not shown in the figure):
步骤P51，金融支付中心服务器根据金融支付账户的设定，发送短信验证码至所述金融支付账户绑定的手机号；Step P51, the financial payment center server sends a SMS verification code to the mobile phone number bound to the financial payment account according to the setting of the financial payment account;
步骤P52，用户输入上述手机号上收到的短信验证码，并通过WiFi无线通信发送给上述金融支付中心服务器；从而完成付款；Step P52, the user enters the SMS verification code received on the above-mentioned mobile phone number, and sends it to the above-mentioned financial payment center server through WiFi wireless communication; thereby completing the payment;
其中收款动作如图6所示，包括，The collection action is shown in Figure 6, including,
步骤R1，用户设定收款金额，在预设的备选择金融支付方式中选择收款方式，并确认收款；Step R1, the user sets the payment amount, selects the payment method from the preset alternative financial payment methods, and confirms the payment;
步骤R2，通过通过人体皮肤传感器读取用户即时身份皮肤信息，与预设的用户原始身份皮肤信息进行比较，通过指纹传感器读取用户即时身份指纹信息，与预设的用户原始身份指纹信息进行比较；如存在不一致，则在电子屏幕上显示因用户身份验证失败导致收款不成功的信息，结束收款；如均一致则进入下一步；Step R2, read the user's instant identity skin information through the human body skin sensor, compare it with the preset user's original identity skin information, read the user's instant identity fingerprint information through the fingerprint sensor, and compare it with the preset user's original identity fingerprint information ; If there is an inconsistency, the electronic screen will display the information that the payment is unsuccessful due to the failure of the user identity verification, and end the collection; if they are consistent, enter the next step;
步骤R3，以步骤R1设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的条形码或二维码收款标签，并显示在电子屏幕上；Step R3, using the collection information set in step R1 including the financial payment method, the account name corresponding to the financial payment method, and the collection amount, generate a barcode or two-dimensional code collection label with a certain time limit, and display it on the electronic screen superior;
步骤R4，付款方通过扫描条形码或二维码来读取收款标签中的收款信息并进行支付，用户完成收款。In step R4, the payer scans the barcode or two-dimensional code to read the collection information in the collection label and pays, and the user completes the collection.
当然，除用于实施例1和实施例2的收付款装置外，上述便携式收付款方法中，终端用户身份识别用生物传感器还可根据需求进行组合设定，可为脉搏传感器、人体姿态传感器、人体皮肤传感器或指纹识别传感器中的一种或两种以上。除WiFi无线通信外，还可包括3G、蓝牙、USB的一种或多种通信方式，用于与金融支付平台、计算机、手机或其他电子支付设备终端信息交互。预先设置供用户选择用于收付款的金融支付方式，可为一个以上的银行和/或一个以上的第三方支付中心。Of course, in addition to the collection and payment devices used in Embodiment 1 and Embodiment 2, in the above-mentioned portable collection and payment method, the biosensor for terminal user identification can also be combined and set according to requirements, which can be a pulse sensor, a human body posture sensor, One or more of human skin sensors or fingerprint recognition sensors. In addition to WiFi wireless communication, it can also include one or more communication methods of 3G, Bluetooth, and USB for information interaction with financial payment platforms, computers, mobile phones or other electronic payment device terminals. The pre-set financial payment method for the user to select for receiving and payment may be more than one bank and/or more than one third-party payment center.
本发明提供的的另一种穿戴式收付款方法，用于可穿戴式收付款装置。以实施例1中内置于可穿戴手表上的收付款装置为例，来详细描述另一种穿戴式收付款方法，其包括设置动作、穿戴验证动作，收款动作和付款动作，且通过用户身份识别指示灯显示用户身份验证结果： Another wearable payment payment method provided by the present invention is used in a wearable payment payment device. Taking the collection and payment device built into the wearable watch in Embodiment 1 as an example, another wearable payment collection and payment method is described in detail, which includes setting action, wearing verification action, payment action and payment action, and through user identity The identification indicator shows the user authentication result:
其中设置动作包括，Among them, setting actions include,
步骤S1，设置时穿戴该收付款装置，通过脉搏传感器设定并存储用户的原始身份信息；设定并存储供用户选择用于收付款的金融支付方式、所述金融支付方式对应的含账户名和密码的金融支付账户信息；Step S1, wearing the payment collection and payment device during setup, setting and storing the user's original identity information through the pulse sensor; setting and storing the financial payment method for the user to choose for payment and payment, the account name and account name corresponding to the financial payment method and Password financial payment account information;
其中穿戴验证动作包括，The wearing verification actions include,
步骤V1，该收付款装置为未穿戴状态时，穿戴验证结果记录为用户身份未验证，用户身份识别指示灯为熄灭状态；Step V1, when the collection and payment device is not worn, the wear verification result is recorded as the user identity has not been verified, and the user identity identification indicator light is off;
步骤V2，非设置状态穿戴该收付款装置时，通过脉搏传感器读取用户即时身份信息，与预设的用户原始身份信息进行比较；如不一致，则穿戴验证结果记录为用户身份验证失败，用户身份识别指示灯呈红色；如一致则穿戴验证结果记录为用户身份验证成功，用户身份识别指示灯呈绿色；Step V2, when wearing the collection and payment device in the non-setting state, read the user's real-time identity information through the pulse sensor, and compare it with the preset user's original identity information; if inconsistent, the wearing verification result is recorded as user identity verification failure, and the user identity The identification indicator light is red; if they match, the wearing verification result will be recorded as user authentication success, and the user identification indicator light will be green;
其中付款动作如图7所示包括，The payment action as shown in Figure 7 includes,
步骤P1，通过NFC近场通信读取物品预设的含价格与金融账户的付款信息，并将价格显示在该收付款装置的电子屏幕上；Step P1, read the preset payment information including price and financial account of the item through NFC near-field communication, and display the price on the electronic screen of the payment collection device;
步骤P2，用户在预设的备选择金融支付方式中选择付款方式，并确认付款；Step P2, the user selects a payment method from the preset alternative financial payment methods, and confirms the payment;
步骤P3，读取穿戴验证动作的结果，如为用户身份未验证或验证失败，则在电子屏幕上显示因用户身份未验证或验证失败导致付款不成功的信息，结束付款；如为用户身份验证成功则进入下一步；Step P3, read the result of the wear verification action, if the user identity is not verified or the verification fails, then display on the electronic screen the information that the payment is unsuccessful due to the user’s identity not verified or verification failure, and end the payment; if it is the user identity verification If successful, proceed to the next step;
步骤P4，将步骤P1读取到的付款信息与步骤P2选择的金融支付方式对应的金融支付账户信息，通过WiFi无线通信发送给所选择的金融支付方式对应的金融支付中心服务器；Step P4, sending the payment information read in step P1 and the financial payment account information corresponding to the financial payment method selected in step P2 to the financial payment center server corresponding to the selected financial payment method through WiFi wireless communication;
步骤P5，金融支付中心验证金融支付账户的账户名、密码和余额信息；如有误则将通过WiFi无线通信反馈的付款失败原因显示在电子屏幕上，结束付款；如无误则继续付款，完成付款；Step P5, the financial payment center verifies the account name, password and balance information of the financial payment account; if there is an error, the reason for the payment failure fed back through the WiFi wireless communication is displayed on the electronic screen, and the payment is completed; if it is correct, the payment is continued and the payment is completed ;
当然，如果用户金融支付账户预设了短信验证功能，上述付款动作步骤P5中金融支付中心验证金融支付账户信息无误继续付款后还包括（图中未示出）：Of course, if the user’s financial payment account has a SMS verification function preset, the financial payment center in step P5 of the above payment action after verifying that the financial payment account information is correct and continuing to pay also includes (not shown in the figure):
步骤P51，金融支付中心服务器根据金融支付账户的设定，发送短信验证码至所述金融支付账户绑定的手机号；Step P51, the financial payment center server sends a SMS verification code to the mobile phone number bound to the financial payment account according to the setting of the financial payment account;
步骤P52，用户输入上述手机号上收到的短信验证码，并通过WiFi无线通信发送给上述金融支付中心服务器；从而完成付款；Step P52, the user enters the SMS verification code received on the above-mentioned mobile phone number, and sends it to the above-mentioned financial payment center server through WiFi wireless communication; thereby completing the payment;
其中收款动作如图8所示包括，The collection actions are shown in Figure 8, including:
步骤R1，用户设定收款金额，在预设的备选择金融支付方式中选择收款方式，并确认收款；Step R1, the user sets the payment amount, selects the payment method from the preset alternative financial payment methods, and confirms the payment;
步骤R2，读取穿戴验证动作的结果，如为用户身份未验证或验证失败，则在电子屏幕上显示因用户身份未验证或验证失败导致收款不成功的信息，结束收款；如为用户身份验证成功则进入下一步；Step R2, read the result of the wear verification action. If the user’s identity is not verified or the verification fails, the electronic screen will display the information that the payment is not successful because the user’s identity is not verified or the verification fails, and the payment will be terminated; if it is the user If the identity verification is successful, go to the next step;
步骤R3，以步骤R1设定的含金融支付方式、所述金融支付方式对应的账户名和收款金额的收款信息，生成具有一定时效的NFC电子收款标签；Step R3, using the collection information set in step R1 including the financial payment method, the account name corresponding to the financial payment method, and the collection amount, to generate an NFC electronic collection label with a certain time limit;
步骤R4，付款方通过NFC近场通信读取电子收款标签上的收款信息并进行支付，用户完成收款。In step R4, the payer reads the collection information on the electronic collection label through NFC near-field communication and makes payment, and the user completes the collection.
当然，当实施例2为可穿戴式收付款装置时，也可用上述穿戴式收付款方法，相同之处不再累述，下面就不同之处描述如下：Of course, when Embodiment 2 is a wearable payment collection and payment device, the above-mentioned wearable payment collection and payment method can also be used, and the similarities will not be repeated here. The differences are described below:
所述设置动作中的步骤S1，是通过人体皮肤传感器和指纹传感器设定并存储用户的原始身份皮肤信息和原始身份指纹信息；Step S1 in the setting action is to set and store the user's original identity skin information and original identity fingerprint information through the human skin sensor and fingerprint sensor;
所述穿戴验证动作的步骤V2，是通过人体皮肤传感器读取用户即时身份皮肤信息，与预设的用户原始身份皮肤信息进行比较，通过指纹传感器读取用户即时身份指纹信息，与预设的用户原始身份指纹信息进行比较；如存在不一致，则穿戴验证结果记录为用户身份验证失败，用户身份识别指示灯呈红色；如均一致则穿戴验证结果记录为用户身份验证成功，用户身份识别指示灯呈绿色；The step V2 of the wearing verification action is to read the user's instant identity skin information through the human skin sensor, compare it with the preset user's original identity skin information, read the user's instant identity fingerprint information through the fingerprint sensor, and compare it with the preset user identity skin information. The fingerprint information of the original identity is compared; if there is any inconsistency, the wearing verification result will be recorded as user identity verification failure, and the user identification indicator light will be red; green;
所述付款动作中的步骤P1，是通过扫描物品预设的条形码或二维码标签读取含价格与金融账户的付款信息；Step P1 in the payment action is to read the payment information including price and financial account by scanning the preset barcode or QR code label of the item;
所述收款动作中的步骤R3，生成的收款标签为显示在电子屏幕上的条形码或二维码，步骤R4中付款方通过扫描条形码或二维码来读取收款标签中的收款信息。In step R3 in the collection action, the generated collection label is a barcode or two-dimensional code displayed on the electronic screen. In step R4, the payer reads the collection label in the collection label by scanning the barcode or two-dimensional code. information.
上述穿戴式收付款方法中的可穿戴式收付款装置中，包括穿戴感应模块，一种方式是通过温度传感器或压力传感器来判断该装置是否为穿戴状态，另一种方式是通过卡扣或者触钮触发电路信号来判断该装置是否为穿戴状态。The wearable payment collection and payment device in the above wearable payment collection and payment method includes a wearable sensing module, one way is to judge whether the device is in a wearable state through a temperature sensor or a pressure sensor, and the other way is to use a buckle or touch The button triggers the circuit signal to determine whether the device is in the wearing state.
此方式下，用户只需穿戴上收付款装置即完成身份识别验证，只要不脱下该装置即可反复进行收付款操作，进一步减少了每一次收付款动作时原来需要反复进行身份识别验证的步骤，且有指示灯直观表达用户身份识别结果，更为简洁、快捷、安全。In this way, the user only needs to put on the collection and payment device to complete the identity verification. As long as the device is not taken off, the payment and payment operation can be repeated, which further reduces the need for repeated identification and verification steps for each payment and payment action. , and there is an indicator light to intuitively express the user identification result, which is more concise, fast and safe.
同样，除用于实施例1和实施例2的可穿戴式收付款装置外，上述穿戴式收付款方法中，终端用户身份识别用生物传感器还可根据需求进行组合设定，可为脉搏传感器、人体姿态传感器、人体皮肤传感器中的一种或两种以上。除WiFi无线通信外，还可包括3G、蓝牙、USB的一种或多种通信方式，用于与金融支付平台、计算机、手机或其他电子支付设备终端信息交互。预先设置供用户选择用于收付款的金融支付方式，可为一个以上的银行和/或一个以上的第三方支付中心。Similarly, in addition to the wearable payment collection and payment devices used in Embodiment 1 and Embodiment 2, in the above wearable payment collection and payment method, the biosensor for terminal user identification can also be combined and set according to requirements, which can be a pulse sensor, One or more of human body attitude sensors and human skin sensors. In addition to WiFi wireless communication, it can also include one or more communication methods of 3G, Bluetooth, and USB for information interaction with financial payment platforms, computers, mobile phones or other electronic payment device terminals. The pre-set financial payment method for the user to select for receiving and payment may be more than one bank and/or more than one third-party payment center.
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| Date | Code | Title | Description |
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| C06 | Publication | ||
| PB01 | Publication | ||
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| WD01 | Invention patent application deemed withdrawn after publication |