CN201765630U - Payment device based on fingerprint identification - Google Patents

Abstract

The utility model relates to a payment device based on fingerprint identification, which comprises a payment card, wherein a fingerprint identification device with the fingerprint identification function is added on the basis of the payment card. An identification host machine is not improved but and great convenience is brought for the application upgrading. The fingerprint identification device comprises a main processing unit, an encryption module, a sensor controller, a memory medium, an interface controller and peripheral equipment, wherein the peripheral equipment comprises a power supply, a sensor, a user interface and a communication port. The utility model has the advantages that through a device of the payment card capable of realizing the fingerprint identification, the goal of people identification can be realized, and various risks can be really prevented. In addition, the device is characterized in that the fingerprint is used and integrated on the card instead of host machine equipment, and the original system needs not to be reformed, thus the application convenience is greatly improved.

Description

A kind of payment mechanism based on finger print identifying

Technical field

The utility model relates to the Payment Card field, and especially a kind of payment mechanism based on finger print identifying is a kind of embedded hardware device, and this hardware unit has the function of Payment Card, utilizes fingerprint to come identity verification simultaneously.

Background technology

Along with the development of infotech and the demand of life convenience, the various modes of payments are arisen at the historic moment, and are common as bankcard consumption, the payment of shopping online platform, online account transfer etc.

Having that the authentication of the existing modes of payments is common is following several:

1) the mode authenticating identity by user name, password is as Alipay;

2) purely based on the consumption of card, as mass transit card and citizen's card of can be used for consuming etc.;

3) by the brush bank card, and the mode of input password, as general A TM machine, POS machine etc.;

4) product of Payment Card and physical certifying apparatus bound adds dynamic password card as Payment Card, and Payment Card adds USB Key etc.;

5) wireless payment mode is as mobile-phone payment etc.

More than several modes all be based on the authentication of thing, but not, all exist certain security risk based on people's authentication.

At first, merely the authentication based on card and user name, pin mode is least safe, in case card loses or user name, password are stolen, the property in the card will soon lose.

And the authentication of alternate manner, owing to the identification that is based on physical equipment, in case device losses, the risk that exists property to be stolen equally.

The utility model content

The utility model will solve the shortcoming of above-mentioned prior art, and a kind of payment mechanism based on finger print identifying is provided.

The utility model solves the technical scheme that its technical matters adopts: this payment mechanism based on finger print identifying, comprise Payment Card, having increased the fingerprint certification device that has the finger print identifying function on the basis of Payment Card, is not the improvement to authenticating host, greatly facilitates the upgrading of application.

As preferably, described fingerprint certification device comprises that Main Processor Unit, encrypting module, sensor control, storage medium, interface control and peripheral hardware comprise: power supply, sensor, user interface and communication interface, Main Processor Unit wherein, be used to realize the chip operating system of total system, and call each module; Encrypting module is used to realize rivest, shamir, adelman and symmetrical enciphering and deciphering algorithm, produces true random number simultaneously; Sensor control is used in reference to the collection of print image; Storage medium is used for the storage of key, fingerprint characteristic and file; Interface control is used to realize mutual with the user; Communication interface, power supply, encrypting module, storage medium are connected with Main Processor Unit respectively, and sensor is connected with Main Processor Unit by sensor control, and user interface is connected with Main Processor Unit by interface control.

As preferably, described communication interface comprises general-purpose interface and USB interface, and general-purpose interface comprises contactless or contact.

The effect that the utility model is useful is: the utility model can realize recognizing people's purpose by realizing a kind of device that can carry out the Payment Card of fingerprint recognition, really accomplishes to take precautions against various risks.This device very unique place is fingerprint application is integrated on the card in addition, rather than on the main process equipment, original system is not needed to transform, and has improved the convenience of using greatly.The fingerprint Payment Card of this utility model is the system of an independent operating, can independently carry out fingerprint collecting and authentication, does not need external equipment.Based on this utility model, need to support the COS of this system simultaneously, and this COS based on file system.This utility model has also proposed corresponding COS upgrading way.Comprise the file system described in the literary composition incessantly, also comprise the similar file system of supporting fingerprint.This fingerprint Payment Card can be separately when fingerprint USB Key use simultaneously.

Description of drawings

Fig. 1 is a hardware block structural representation of the present utility model;

Fig. 2 is a fingerprint Payment Card file directory synoptic diagram of the present utility model;

Fig. 3 is that fingerprint Payment Card of the present utility model uses schematic flow sheet;

Fig. 4 is a fingerprint Payment Card case study on implementation hardware block structural representation of the present utility model.

Embodiment

The utility model is described in further detail below in conjunction with drawings and Examples:

Main body of the present utility model is a fingerprint Payment Card that can work independently, and does not need original main process equipment is made amendment.Therefore the utility model content also all is based on an embedded payment card schemes of independence and sets forth.

Hardware block diagram described in the utility model comprises Main Processor Unit (MCU, 1), encrypting module (Encryption Module as shown in Figure 1,2), sensor control (Sensor Control, 3), storage medium (Flash, 4), interface control (UI Control, 5), and peripheral hardware comprises: power supply (Power, 6), sensor (Sensor, 7), user interface (UI, 8) and communication interface: general-purpose interface (I/O, 9) (contactless or contact), USB interface (10).

Wherein, Main Processor Unit (1), encrypting module (2), sensor control (3), storage medium (4), interface control (5) is to realize in an independent chip, to guarantee the security of total system.

Main Processor Unit (1) is realized the chip operating system (COS) of total system, and calls the function of each module.Encrypting module (2) is realized rivest, shamir, adelman and symmetrical enciphering and deciphering algorithms such as DES, 3DES such as RSA, can produce true random number simultaneously.Sensor control (3) realizes the collection of fingerprint image.Storage medium (4) is realized the storage of key, fingerprint characteristic and file.Interface control (5) realization and user's is mutual.

The utility model device and outside communication interface comprise general purpose I/O (contactless NFC mode or contact mode) and USB communication modes, and general purpose I/O can be used in transaction and payment occasion; The USB mode can be used as USB Key and conclude the business.

The related operating system COS of the utility model supports People's Bank of China's financial IC card standard 2.0 editions (being PBOC2.0).

Document directory structure such as Fig. 2 of this chip operating system (COS): the bibliographic structure among this figure is followed the PBOC agreement substantially, MF is the master control file, comprise key file, directory information file and essential information file, ADF, DF represent some concrete application directory, have comprised some son files that this application need is used under the catalogue.

This utility model has been carried out further upgrading on the bibliographic structure of PBOC, increased fingerprint application environment indices DDF, comprising the Key file, and finger print information file and fingerprint characteristic file.In concrete application, increased simultaneously the fingerprint authority, by the unified authentication of dispatching fingerprint of COS according to the fingerprint authority.

The concrete application of this utility model comprises general purse application incessantly, has also contained other occasion that needs Payment Card to use, and comprises and swiping the card that work attendance is paid the fees etc.Can expand different DF files at different application.

Use flow process such as Fig. 3 of this fingerprint Payment Card: use flow process mainly to comprise the application of card and the use of card.In when card application, with respect to the use of common Payment Card, many fingerprint typing flow processs.And fingerprint and concrete application binding.Increased the fingerprint authentication flow process when the use of card, carried out finger print identifying according to the setting of concrete application, transaction is carried out in finger print identifying success back.

Specific embodiment: as shown in Figure 4, the implementation case master's process chip adopts AS602, the AS602 chip is a process chip that is specifically designed to finger print information safety, inner integrated fingerprint operation, enciphering and deciphering algorithm (RSA, 2), true random number (TRNG, 3), symmetric cryptography engine (SEA, 4) and storage medium (Flash, 5).Fingerprint sensor adopts 1711 sensors (10) of Authtec, and user interface adopts OLED single color LCD (11), and external communication interface adopts contactless communication modes (12), supports USB simultaneously, can be identified as USB Key.

Integrated file system among the COS of this product, security module, power management (6), interface control (8), sensor control (7) fingerprint algorithm and communications protocol.Supporting People's Bank of China's financial IC card standard 2.0 editions (being PBOC2.0) fully, is to expand on the PBOC2.0 agreement simultaneously, has added fingerprint function.

NFC meets the NFCIP-2 standard, support contactless payment, NFC is provided two-way communication, and any two Payment Cards can be read and write (aggressive mode and Passive Mode) mutually, support the P2P point-to-point communication, support contactless payment, be operated in the 13.56MHz frequency range, support ISO/IEC14443 (A)/MIFARE mechanism, about transmission range 5CM, battery can charge, and supports battery saving mode.

This product is mainly used in various payment occasions, as bankcard consumption, and mass transit card consumption, stored value cards etc. can expand according to actual needs.

Typical case's application flow comprises as follows:

One. hair fastener

1) hair fastener communication mode NFC.

2) client's fill message, the typing fingerprint.

3) client fills in and purchases the card list, hands over money to finance.

4) system distributes card number to the client, and binds with customer information and finger print information

5) write card, file structure is created by external authentication by system on card, and customer information is write specified file, and the stored value card circle is deposited the initial amount of money simultaneously.

6) card that will send out is given the client.

Two. the card general operation

1) menu is checked in start.

2) inquiry wallet balances or account balance (needing the client) by fingerprint authentication.

3) inquiry last sale record (needing fingerprint authentication).

Three. transaction

1) stored value card is supplemented with money

The holder holds payment and snaps into the recharge point, gives the operator recharge amount and card, is supplemented with money and is registered by the operator.

This moment need not fingerprint authentication.Supplement terminal with money and support the NFC function.

2) stored value card consumption

The holder holds Payment Card and goes to accept a shopping, need verify in advance that fingerprint activates card, just can carry out bankcard consumption, after the Transaction Success, card is promptly locked, as carries out next consumer sale, need verify once more that fingerprint blocks activation, machine for punching the card is mutual by NFC and card.

Terminological interpretation

COS: chip operating system.

RSA: a kind of asymmetric enciphering and deciphering algorithm.

PBOC: People's Bank of China's financial IC card standard.

DF: catalogue file, based on a kind of application of PBOC, it has deposited the file that concrete application need is used down.

NFC: wireless near field communication.

In addition to the implementation, the utility model can also have other embodiments.All employings are equal to the technical scheme of replacement or equivalent transformation formation, all drop on the protection domain of the utility model requirement.

Claims (3)

1. the payment mechanism based on finger print identifying comprises Payment Card, it is characterized in that: increased the fingerprint certification device that has the finger print identifying function on the basis of Payment Card.

2. the payment mechanism based on finger print identifying according to claim 1, it is characterized in that: described fingerprint certification device comprises that Main Processor Unit, encrypting module, sensor control, storage medium, interface control and peripheral hardware comprise power supply, sensor, user interface and communication interface, Main Processor Unit wherein, be used to realize the chip operating system of total system, and call each module; Encrypting module is used to realize rivest, shamir, adelman and symmetrical enciphering and deciphering algorithm, produces true random number simultaneously; Sensor control is used in reference to the collection of print image; Storage medium is used for the storage of key, fingerprint characteristic and file; Interface control is used to realize mutual with the user; Communication interface, power supply, encrypting module, storage medium are connected with Main Processor Unit respectively, and sensor is connected with Main Processor Unit by sensor control, and user interface is connected with Main Processor Unit by interface control.

3. the payment mechanism based on finger print identifying according to claim 2 is characterized in that: described communication interface comprises general-purpose interface and USB interface, and general-purpose interface comprises contactless or contact.

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