# US 10,872,337 B2 · Payment device and system > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,872,337 B2 - Document ID: US10872337B2 - Status: Granted - Kind: B2 - Application number: 16/082,697 - Filed: 2017-03-06 - Published: 2019-03-28 - Granted: 2020-12-22 - Earliest claimed: 2016-03-07 - Assignees: Tendyron Corporation - Applicants: Tendyron Corporation - Inventors: Ming Li - Web page: https://patentgrep.com/patent/US10872337B2 ## CPC - G06Q 20/40145: {Biometric identity checks} - G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints - G06F 21/40: by quorum, i.e. whereby two or more security principals are required - G06Q 20/102: {Bill distribution or payments} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/206: {comprising security or operator identification provisions, e.g. password entry} - G06Q 20/321: {using wearable devices} - G06Q 20/325: {using wireless networks} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip} - G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights} - G06Q 20/3825: {Use of electronic signatures} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/40: Authorisation, 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 20/4012: {Verifying personal identification numbers [PIN]} - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 20/425: {using two different networks, one for transaction and one for security confirmation} - G07F 9/001: {Interfacing with vending machines using mobile or wearable devices} - H04B 13/00: Transmission systems characterised by the medium used for transmission, not provided for in groups H04B3/00 - H04B11/00 - H04B 13/005: {Transmission systems in which the medium consists of the human body} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - H04B: TRANSMISSION ## Abstract A payment method and a payment system are disclosed. After a biological body enters a predetermined range of a payee device, a communication connection is established by a payee device with a payer device through the biological body, and transaction information is transmitted to the payer device. The transaction information is received by the payer device, key information is extracted and is prompted, and authentication information is transmitted to the payee device after receiving a confirmation instruction. The authentication information is received by the payee device and biological feature information about the biological body is acquired during a time duration when the biological body is within the predetermined range. An authentication result for authenticating the digital authentication information and the biological feature information is acquired by the payee device, and payment transaction is performed when the authentication result is a successful authentication. ## Claims ### Claim 1 A 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; authenticating, by the payee device, the digital authentication information using the authentication factor and authenticating the biological feature information using biological feature verification information, to obtain authentication results; and performing by the payee device, a payment transaction when the authentication results are successful authentications; 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. ### Claim 2 (depends on 1) The payment method according to claim 1, wherein, the biological feature information comprises fingerprint information and/or vein information; and collecting, by the payee device, the biological feature information of the biological body comprises: when the biological body contacts with the payee device, collecting by the payee device, the biological feature information of a portion where the biological body contacts with the payee device. ### Claim 3 (depends on 1) The payment method according to claim 1, wherein, the digital authentication information comprises at least one of: electronic signature information, encrypted information and one-time password. ### Claim 4 (depends on 3) The payment method according to claim 3, wherein, the electronic signature information is signature data obtained by signing to-be-signed data via the payer device using its privacy key; the encrypted information is a MAC value obtained via the payer device by performing calculation on data to be encrypted using a symmetric key negotiated with the payee device; and the one-time password is ciphertext generated by a one-time password generator based on a seed key. ### Claim 5 (depends on 1) The payment method according to claim 1, wherein the communication connection is established in a wired manner or in a wireless manner. ### Claim 6 (depends on 1) The payment method according to claim 1, wherein the transaction information comprises a transaction amount, payer account information and payee account information, and the key information comprises the transaction amount, a name of the payer device and a name of the payee device. ### Claim 7 (depends on 1) The payment method according to claim 1, wherein prompting the key information comprises: displaying the key information on a display screen and/or playing the key information in voice. ### Claim 8 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. ### Claim 9 (depends on 8) The payment system according to claim 8, wherein, the biological feature information comprises: fingerprint information and/or vein information; the payee device is further configured to collect the biological feature information of the biological body by acts of: when the biological body contacts with the payee device, collecting by the payee device, the biological feature information of a portion where the biological body contacts with the payee device. ### Claim 10 (depends on 8) The payment system according to claim 8, wherein, the digital authentication information comprises at least one of: electronic signature information, encrypted information and one-time password. ### Claim 11 (depends on 10) The payment system according to claim 10, wherein, the electronic signature information is signature data obtained by signing to-be-signed data via the payer device using its privacy key; the encrypted information is a MAC value obtained via the payer device by performing calculation on data to be encrypted using a symmetric key negotiated with the payee device; and the one-time password is ciphertext generated by a one-time password generator based on a seed key. ### Claim 12 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. ### Claim 13 (depends on 12) The payment method according to claim 12, wherein authenticating the digital authentication information using the authentication factor comprises: authenticating the digital authentication information in an asymmetric authentication manner, wherein the digital authentication information comprises electronic signature information, and the authentication factor comprises a public key for verifying the electronic signature information; or authenticating the digital authentication information in a symmetric manner, wherein the digital authentication information comprises encrypted information obtained by performing a calculation using a symmetric key and the authentication factor comprises the symmetric key; or authenticating the digital authentication information in a token-based authentication manner, wherein the digital authentication information comprises a one-time password, and the authentication factor comprises a seed key for verifying the one-time password. ### Claim 14 (depends on 12) The computer program according to claim 12, wherein the biological feature information comprises fingerprint information and/or vein information; and collecting by the payee device, the biological feature information of the biological body comprises: when the biological body contacts with the payee device, collecting by the payee device, the biological feature information of a portion where the biological body contacts with the payee device. ### Claim 15 (depends on 12) The computer program according to claim 12, wherein, the digital authentication information comprises at least one of: electronic signature information, encrypted information and one-time password.