Method, terminal, and system for payment verification

Patent metadata

Field	Value
Publication number	US-10726423-B2
Application number	US-201514592574-A
Country	US
Kind code	B2
Filing date	Jan 8, 2015
Priority date	Oct 29, 2013
Publication date	Jul 28, 2020
Grant date	Jul 28, 2020

Abstract

Methods, terminals, and systems for payment verification are provided. Payment information associated with a payment operation is obtained, in response to a user entry performed in a data entry region on a user interface unit of a payment terminal and after the payment operation is detected. A prompt notification prompted for inputting a fingerprint can be outputted. At least two fingerprints are inputted and scanned to obtain at least two-fingerprint information. Based on the payment information and the at least two-fingerprint information, a payment request containing a payment account number and verification information of the payment account number is sent to a server for the server to process the payment request after the at least two-fingerprint information and the verification information are verified by the server.

First claim

What is claimed is:

1. A method for payment verification, comprising:
displaying a data entry region on a user interface unit of a payment terminal for a user to perform a payment operation;
after the payment operation is detected, obtaining, by the payment terminal, a payment information associated with the payment operation, the payment information including a receiving account number and a payment amount;
outputting, by the payment terminal, a first prompt notification to prompt a first user to input a first fingerprint;
obtaining, by the payment terminal, the first fingerprint of the first user via the user interlace unit on the payment terminal, the first fingerprint from the first user including a first fingerprint information;
verifying, by the payment terminal, the first fingerprint information with a first verification fingerprint information;
obtaining, by the payment terminal, a payment account number and a verification information of the payment account number based on a first verification result indicating that the first fingerprint information is verified, the verification information of the payment account number being information to be verified by a server before performing operation related to the payment account number, wherein the payment account number and the verification information of the payment account number are stored in the payment terminal and are not accessible by the first user or the second user until after the payment terminal determines the first verification result indicating that the first fingerprint information is verified;
after obtaining the payment account number and the verification information of the payment account number and based on the first verification result, outputting, by the payment terminal, a second prompt notification to prompt a second user to input a second fingerprint;
obtaining, by the payment terminal, the second fingerprint of the second user via the user interface unit on the payment terminal, the second fingerprint from the second user including a second fingerprint information;
verifying, by the payment terminal, the second fingerprint information; and
based on the first verification result indicating that the first fingerprint information is verified and a second verification result indicating that the second fingerprint information is verified by the payment terminal, sending, by the payment terminal and based on the payment information, a payment request to the server, the payment request containing the receiving account number, the payment account number, the verification information of the payment account number, and the second fingerprint information, wherein the payment request is processed by the server, after the second fingerprint information is verified by the server with a second verification fingerprint information and the verification information of the payment account number is verified by the server, to transfer the payment amount from a payment account corresponding to the payment account number to a receiving account corresponding to the receiving account number.

2. The method according to claim 1 , wherein the step of verifying, by the payment terminal, the first fingerprint information with the first verification fingerprint information, further comprises: retrieving the first verification fingerprint information from a storage device of the payment terminal.

3. The method according to claim 1 , wherein the first fingerprint information is determined as verified when a similarity between the first fingerprint information and the first verification fingerprint information is greater than 90%.

4. The method according to claim 1 , wherein the second fingerprint information is determined as verified when a similarity between the second fingerprint information and the second verification fingerprint information is greater than 90%.

5. A payment terminal for payment verification, comprising:
a memory;
a user interface; and
a processor coupled to the memory, wherein the processor is programmed for:
performing a payment operation;
after the payment operation is detected, obtaining a payment information associated with the payment operation, the payment information including a receiving account number and a payment amount;
outputting a first prompt notification to prompt a first user to input a first fingerprint;
obtaining the first fingerprint of the first user via the user interface to obtain a first fingerprint information;
verifying the first fingerprint information with a first verification fingerprint information;
obtaining a payment account number and a verification information of the payment account number based on a first verification result indicating that the first fingerprint information is verified, the verification information of the payment account number being information to be verified by a server before performing operation related to the payment account number, wherein the payment account number and the verification information of the payment account number are stored in the payment terminal and are not accessible by the first user or the second user until after the payment terminal determines the first verification result indicating that the first fingerprint information is verified;
after obtaining the payment account number and the verification information of the payment account number and based on the first verification result, outputting a second prompt notification to prompt a second user to input a second fingerprint;
obtaining the second fingerprint of the second user via the user interface on the payment terminal, the second fingerprint from the second user including a second fingerprint information;
verifying the second fingerprint information; and
based on the first verification result indicating that the first fingerprint information is verified and a second verification result indicating that the second fingerprint information is verified by, the payment terminal, sending, based on the payment information, a payment request to the server, the payment request containing the receiving account number, the payment account number, the verification information of the payment account number, and the second fingerprint information, wherein the payment request is processed by the server, after the second fingerprint information is verified by the server with a second verification fingerprint information and the verification information of the payment account number is verified by the server, to transfer the payment amount from a payment account corresponding to the payment account number to a receiving account corresponding to the receiving account number.

6. The payment system according to claim 5 , wherein verifying, by the payment terminal, the first fingerprint information with the first verification fingerprint information, further comprises: retrieving the first verification fingerprint information from a storage device of the payment terminal.

7. The payment system according to claim 5 , wherein the first fingerprint information is determined as verified when a similarity between the first fingerprint information and the first verification fingerprint information is greater than 90%.

8. The payment system according to claim 5 , wherein the second fingerprint information is determined as verified when a similarity between the second fingerprint information and the second verification fingerprint information is greater than 90%.

9. A method for payment verification implemented by a payment terminal and a server, comprising;
displaying a data entry region on a user interface unit of a payment terminal for a user to perform a payment operation;
after the payment operation is detected, obtaining, by the payment terminal,

Assignees

• Tencent Tech Shenzhen Co Ltd

Inventors

• Song Zhigang

Classifications

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/32

  using wireless devices · CPC title

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06F21/31

  User authentication · CPC title

• G06Q20/16

  Payments settled via telecommunication systems · CPC title