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1. WO2017152818 - PAYMENT METHOD AND SYSTEM

Publication Number WO/2017/152818
Publication Date 14.09.2017
International Application No. PCT/CN2017/075741
International Filing Date 06.03.2017
IPC
G06Q 20/40 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
H04B 13/00 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
BTRANSMISSION
13Transmission systems characterised by the medium used for transmission, not provided for in groups H04B3/-H04B11/151
CPC
G06F 21/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
32using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
40by quorum, i.e. whereby two or more security principals are required
G06Q 20/102
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
102Bill distribution or payments
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
G06Q 20/40145
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4014Identity check for transactions
40145Biometric identity checks
G06Q 20/42
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
Applicants
  • 天地融科技股份有限公司 TENDYRON CORPORATION [CN]/[CN]
Inventors
  • 李明 LI, Ming
Agents
  • 北京清亦华知识产权代理事务所(普通合伙) TSINGYIHUA INTELLECTUAL PROPERTY LLC
Priority Data
201610127251.507.03.2016CN
Publication Language Chinese (zh)
Filing Language Chinese (ZH)
Designated States
Title
(EN) PAYMENT METHOD AND SYSTEM
(FR) PROCÉDÉ ET SYSTÈME DE PAIEMENT
(ZH) 一种支付方法及系统
Abstract
(EN) A payment method and system. The method comprises: after a biological limb enters a preset range of a payee device, the payee device establishing a communication connection with a payer device through the biological limb (S101), and transmitting transaction information to the payer device through the communication connection (S102); the payer device receiving the transaction information, extracting key information from the transaction information (S103), and prompting the key information to wait for a user to confirm (S104), and transmitting authentication information to the payee device through the communication connection after receiving a confirmation instruction of the user (S105); the payee device receiving the authentication information transmitted by the payer device through the communication connection, wherein the authentication information comprises digital authentication information, and acquiring biological characteristic information about the biological limb during a time duration when the biological limb enters the preset range of the payee device (S106); and the payee device acquiring an authentication result for the authentication of the digital authentication information and the biological characteristic information (S107), and performing payment transaction under the condition that the authentication result is that the authentication is passed (S108).
(FR) L'invention concerne un procédé et un système de paiement. Le procédé comprend les étapes suivantes : après qu'un membre biologique entre dans une plage prédéfinie d'un dispositif de bénéficiaire, le dispositif du bénéficiaire établit une connexion de communication avec un dispositif de payeur par l'intermédiaire du membre biologique (S101), et transmet des informations de transaction au dispositif du payeur par l'intermédiaire de la connexion de communication (S102) ; le dispositif du payeur reçoit les informations de transaction, extrait des informations de clé des informations de transaction (S103) et invite à attendre la confirmation des informations de clé par un utilisateur (S104), et transmet des informations d'authentification au dispositif du bénéficiaire par l'intermédiaire de la connexion de communication après avoir reçu une instruction de confirmation de l'utilisateur (S105) ; le dispositif du bénéficiaire reçoit les informations d'authentification transmises par le dispositif du payeur par l'intermédiaire de la connexion de communication, les informations d'authentification comprenant des informations d'authentification numérique, et acquiert des informations de caractéristique biologique relatives au membre biologique dans une période pendant laquelle le membre biologique entre dans la plage prédéfinie du dispositif du bénéficiaire (S106) ; et le dispositif du bénéficiaire acquiert un résultat d'authentification pour l'authentification des informations d'authentification numérique et des informations de caractéristique biologique (S107), et effectue une transaction de paiement à condition que le résultat d'authentification indique que l'authentification est réussie (S108).
(ZH) 一种支付方法及系统,该方法包括:在生物肢体进入收款方设备的预设范围后,收款方设备通过生物肢体与支付方设备建立通信连接(S101),并通过通信连接向支付方设备发送交易信息(S102);支付方设备接收交易信息,从交易信息中提取关键信息(S103),并提示关键信息,等待用户确认(S104),在接收用户的确认指令后,将认证信息通过通信连接发送给收款方设备(S105);收款方设备通过通信连接接收支付方设备传输的认证信息,认证信息包括:数字认证信息;在生物肢体进入收款方设备的预设范围的持续期间,采集生物肢体的生物特征信息(S106);收款方设备获取对数字认证信息以及生物特征信息进行认证的认证结果(S107),在认证结果为认证通过的情况下执行支付交易(S108)。
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