PAYMENT METHOD BASED ON IDENTITY RECOGNITION AND WRIST-WORN APPARATUS

• US 20150235227A1
• Filed: 12/26/2014
• Published: 08/20/2015
• Est. Priority Date: 02/14/2014
• Status: Abandoned Application

• Current Assignee: Compal Electronics Incorporated
• Original Assignee: Compal Electronics Incorporated
• Inventors: Chang, Hao-Ying, Wu, Chien-Chun, Lee, Li-Xiang, Chou, Kuan-Chien
• Application Number:
  US14/583,577
• Publication Number:
  US 20150235227A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

A payment method based on identity recognition and a wrist-worn apparatus are provided. A physiological state of a user wearing the wrist-worn apparatus is detected and a physiological characteristic is obtained by a physiological sensor. The physiological characteristic is compared with a preset characteristic for verifying identity of the user. When the physiological characteristic matches the preset characteristic, a payment action is executed.

Claims

1. A payment method based on identity recognition suitable for a wrist-worn apparatus, the payment method comprising:

under a condition whereby a user is wearing the wrist-worn apparatus, driving a physiological sensor a physiological state of the user wearing the wrist-worn apparatus, and obtaining a physiological characteristic of the user;

comparing the physiological characteristic with a preset characteristic for verifying an identity of the user; and

executing a payment action when the physiological characteristic matches the preset characteristic.

2. The payment method based on identity recognition as recited in claim 1, further comprising:

disabling the physiological sensor when detects that the wrist-worn apparatus is not being worn on the user.

3. The payment method based on identity recognition as recited in claim 1, wherein, before the step of comparing the physiological characteristic with the preset characteristic, further comprises:

determining whether a pay command is received; and

switching to a mobile payment mode when the pay command is received, so as to compare the physiological characteristic with the preset characteristic under the mobile payment mode.

4. The payment method based on identity recognition as recited in claim 1, wherein, after the step of comparing the physiological characteristic with the preset characteristic, further comprises:

determining whether a pay command is received; and

switching to a mobile payment mode when the pay command is received while the physiological characteristic matches the preset characteristic, so as to execute the payment action under the mobile payment mode.

5. The payment method based on identity recognition as recited in claim 1, further comprising:

detecting whether a press command is received, so as to drive the physiological sensor to obtain the physiological characteristic upon receiving the press command.

6. The payment method based on identity recognition as recited in claim 1, wherein the step of obtaining the physiological characteristic of the user comprises:

capturing an inner wrist image of the user by the physiological sensor; and

executing an image recognition program to obtain a blood vessel shape characteristic from the inner wrist image, and using the blood vessel shape characteristic as the physiological characteristic.

7. The payment method based on identity recognition as recited in claim 6, further comprising:

obtaining a blood vessel image of entire wrist region of the user in advance through using the physiological sensor; and

executing the image recognition program to obtain the preset characteristic from the blood vessel image.

8. The payment method based on identity recognition as recited in claim 1, wherein the physiological sensor comprises a light-emitting unit and an optical detector, the physiological characteristic is a blood vessel shape characteristic or a skin characteristic, and the physiological state comprises at least one of blood pressure data, blood oxygen data, heartbeat data and pulse data.

9. The payment method based on identity recognition as recited in claim 1, further comprising:

sending an emergency signal to inform a medical center or an emergency contact person through a network service when the physiological state does not comply with a standard state.

10. The payment method based on identity recognition as recited in claim 1, further comprising:

sending out a warning signal and stop executing the payment action when the physiological characteristic does not match the preset characteristic.

11. A wrist-worn apparatus, comprising:

a storage unit, storing a preset characteristic;

a physiological sensor, detecting a physiological state of a user wearing the wrist-worn apparatus, and obtaining a physiological characteristic of the user; and

a control unit, coupled to the storage unit and the physiological sensor, wherein the control unit compares the physiological characteristic with the preset characteristic for verifying an identity of the user.

12. The wrist-worn apparatus as recited in claim 11, further comprising:

a mobile payment unit, coupled to the control unit for executing a payment action, wherein the control unit sending a payment execution command to the mobile payment unit when determining that the physiological characteristic matches the preset characteristic, so that the mobile payment unit executes the payment action.

13. The wrist-worn apparatus as recited in claim 12, wherein

the control unit determines whether a pay command is received before comparing the physiological characteristic with the preset characteristic, and when the pay command is received, the control unit switches to mobile payment mode, so as to compare the physiological characteristic with the preset characteristic under the mobile payment mode;

or

the control unit determines whether a pay command is received after comparing the physiological characteristic with the preset characteristic, and when the pay command is received while the physiological characteristic matches the preset characteristic, the control unit switches to the mobile payment mode, so as to execute the payment action under the mobile payment mode.

14. The wrist-worn apparatus as recited in claim 11, further comprising:

a pressure detector, coupled to the control unit for detecting whether a press command is received, and driving the physiological sensor to obtain the physiological characteristic of the user upon receiving the press command.

15. The wrist-worn apparatus as recited in claim 11, wherein the physiological sensor captures an inner wrist image of the user, and the control unit executes an image recognition program to obtain a blood vessel shape characteristic from the inner wrist image, so as to use the blood vessel shape characteristic as the physiological characteristic.

16. The wrist-worn apparatus as recited in claim 15, wherein the physiological sensor obtains a blood vessel image of entire wrist region of the user in advance and enables the control unit to execute the image recognition program to obtain the preset characteristic from the blood vessel image.

17. The wrist-worn apparatus as recited in claim 11, wherein the physiological sensor comprises a light-emitting unit and an optical detector, the physiological characteristic comprises a blood vessel shape characteristic or a skin characteristic, and the physiological state comprises at least one of blood pressure data, blood oxygen data, heartbeat data and pulse data.

18. The wrist-worn apparatus as recited in claim 11, further comprising:

a communication unit, coupled to the control unit, wherein when the physiological state does not comply with a standard state, the control unit sends an emergency signal to inform a medical center or an emergency contact person through the communication unit; and

a warning unit, coupled to the control unit, and sending out a warning signal when the physiological characteristic does not match the preset characteristic.

19. The wrist-worn apparatus as recited in claim 12, further comprising:

a judgment unit, determining whether the wrist-worn apparatus is being worn on the user, driving the physiological sensor to detect the physiological state and the physiological characteristic of the user if determining that the wrist-worn apparatus is being worn on the user, and disabling the physiological sensor or the mobile payment unit if determining that the wrist-worn apparatus is not being worn on the user.

20. The wrist-worn apparatus as recited in claim 19, wherein the judgment unit is the physiological sensor, and when the physiological sensor is unable to determine the physiological state, the wrist-worn apparatus is determined as not being worn on the user.