Payment device and system

A payment system, comprising a payee device and a payer device, wherein

• the payee device is configured to establish a communication connection with the payer device through a biological body when the biological body enters a predetermined range of the payee device, and to send transaction information to the payer device through the communication connection;
• the payer device is configured to receive the transaction information, to extract key information from the transaction information, to prompt the key information, and to send authentication information to the payee device through the communication connection after receiving a confirmation instruction from a user;
• the payee device is further configured to
• receive the authentication information sent by the payer device through the communication connection, the authentication information comprising digital authentication information and authentication identification information, the authentication identification information being information that uniquely identifies the user, and linking an authentication factor for authenticating the digital authentication information, and biological feature verification information for authenticating biological feature information to the user uniquely;
• collect biological feature information of the biological body during a duration when the biological body is within the predetermined range of the payee device, to acquire an authentication result of authenticating the digital authentication information and the biological feature information;
• acquire the authentication factor and the biological feature verification information based on the authentication identification information;
• authenticate the digital authentication information using the authentication factor, and authenticate the biological feature information using biological feature verification information, to obtain authentication results;
• and
• perform a payment transaction when the authentication result is a successful authentication;
• wherein, authenticating, by the payee device, the digital authentication information using the authentication factor and authenticating the biological feature information using biological feature verification information, comprises:
• authenticating the digital authentication information using the authentication factor, and judging whether a match ratio between the biological feature verification information and the biological feature information is greater than a first predetermined value;
• and
• when the digital authentication information is successfully authenticated, and the match ratio between the biological feature verification information and the biological feature information is greater than the first predetermined value, determining that the authentications of the authentication information and the biological feature information are successful,
• wherein, the first predetermined value is less than a second predetermined value which is used to indicate a match ratio that two pieces of biological feature information are identical to each other.

A computer program, wherein when the computer program is running on a processor, a payment method is executed, the payment method comprising:

• after a biological body enters a predetermined range of a payee device, establishing by the payee device, a communication connection with a payer device through the biological body;
• sending by the payee device, transaction information to the payer device through the communication connection;
• receiving by the payer device, the transaction information;
• extracting by the payer device, key information from the transaction information;
• prompting by the payer device, the key information;
• after receiving by the payer device, a confirmation instruction from the user,
• sending by the payer device, authentication information to the payee device through the communication connection, the authentication information comprising
• digital authentication information and authentication identification information, the authentication identification information being information that uniquely identifies the user, and linking an authentication factor for authenticating the digital authentication information, and biological feature verification information for authenticating biological feature information to the user uniquely;
• receiving by the payee device, the authentication information sent by the payer device through the communication connection;
• during a duration when the biological body is within the predetermined range of the payee device, collecting by the payee device, biological feature information of the biological body;
• acquiring by the payee device, the authentication factor and the biological feature verification information based on the authentication identification information;
• and
• performing by the payee device, a payment transaction when the authentication result is a successful authentication,
• wherein, authenticating, by the payee device, the digital authentication information using the authentication factor and authenticating the biological feature information using biological feature verification information, comprises:
• authenticating the digital authentication information using the authentication factor, and judging whether a match ratio between the biological feature verification information and the biological feature information is greater than a first predetermined value;
• and
• when the digital authentication information is successfully authenticated, and the match ratio between the biological feature verification information and the biological feature information is greater than the first predetermined value, determining that the authentications of the authentication information and the biological feature information are successful,
• wherein, the first predetermined value is less than a second predetermined value which is used to indicate a match ratio that two pieces of biological feature information are identical to each other.