CN104102997A - Credit card streaming media identification technology and online payment realization method - Google Patents
Credit card streaming media identification technology and online payment realization method Download PDFInfo
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- CN104102997A CN104102997A CN201310123318.4A CN201310123318A CN104102997A CN 104102997 A CN104102997 A CN 104102997A CN 201310123318 A CN201310123318 A CN 201310123318A CN 104102997 A CN104102997 A CN 104102997A
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- credit card
- payment
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- card
- streaming media
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/12—Card verification
- G07F7/122—Online card verification
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to credit card number extraction by use of a streaming media identification technology and an online payment realization method thereof. When a user shops on line through a computer or a mobile phone, a credit card to carry out payment is scanned through a computer camera (built-in or externally arranged) and a mobile phone camera, and system application software employs a high-efficiency filter characteristic algorithm to obtain a shooting video stream and finish extraction of card surface information of the credit card, such as a card number of 16-18 digits, credit card validity data and other information, such that the card number of the credit card and the card number of a bank card can be accurately identified in a rapid, convenient and non-contact mode, and secure and efficient online payment is finished. The technology almost can be applied to each daily scene of online payment, such as online e-malls, public utility fee payment, ATMs, bank counters, online banking and the like. At the time when the user can carry out rapid emotional payment, the order turnover rate is improved. The advantages are as follows: the user can rapidly finish extraction of the card number of the credit card without manually inputting a credit card number of 16-18 digits, and thus the order payment success rate is effectively improved.
Description
Technical field
The present invention relates to data processing, Signal and Information Processing, data encryption, data encoding, data show, data transmission, image recognition, data storage, and mobile phone and payment technical field, the technology that especially belongs to the technology based on image recognition and realize on-line payment based on image recognition.
Background technology
On-line payment refers to based on internet, mobile Internet, completes a kind of payment transaction mode of the serial processes such as online monetary payoff from terminal user to businessman of enterprise, fund clearing, query statistic.Business moves one of maximum obstacle of facing of application order, allows exactly the user be really a commodity payment.Using credit card or bank card to carry out in the process of on-line payment, the first step is exactly that traditional approach is generally manual input card number to the obtaining of card number; Manual input mode, needs to input continuously the numeral of 16～18, and for most users, this process is very unfriendly, and error probability is very high, causes sales payment termination of procedure.And account information is easily intercepted in transmitting procedure, by lawless person is utilized, carry out pseudo-blocking and steal account fund.A kind of credit card Streaming Media recognition technology the method that realizes on-line payment are applied efficient filter characteristic extraction algorithm and rational Classing Method of on-Line, by normal domestic use computer camera or mobile phone camera, obtain Media Stream image, synchronously identification is also encrypted in point-to-point transmission process.Fast, conveniently, non-contacting mode accurately identifies credit card, bank card number, and then completes on-line payment safely, efficiently.
Summary of the invention
The object of the invention is to: adopt pure software mode, by family expenses camera, the first-class multimedia equipment of cell-phone camera, credit card card face is scanned, and adopt efficient character recognition technologies, automatic quick obtain under credit card number, credit card the credit card card face essential informations such as bank, and then complete payment.
The technical scheme that the present invention takes is:
Gordian technique 1: adopt the mathematical algorithm of optimizing to ensure the real-time of software identification;
In whole identifying, edge detection process belongs to intensive link; Therefore adopting the mathematical algorithm of optimizing to carry out calculated amount optimization, is the key that guarantees identification real-time; For special substance and the texture situation of credit card, I.D., we have carried out large data sample analysis to different edge detection operators; Comparison for Roberts boundary operator, Sobel boundary operator, Prewitt boundary operator, Laplacian boundary operator, Canny boundary operator scheduling algorithm, Canny operator edge detection algorithm after final selected optimization, its algorithm can elimination noise has the optimal selection method in the single order differential algorithm of rim detection that can keep the edge information characteristic; Optimize the algorithm having and can adaptively to detecting the discrimination threshold of operator, carry out analysis and regulation; Thereby effectively reduce calculated amount, guarantee the real-time detecting.
Gordian technique 2: accurately controlled identification process guarantees the accuracy of software identification
The accuracy rate of identification just depends on design and the management and control of whole identification process; Our system platform has been carried out more meticulous planning and design to identification process; Design cycle comprises intercepting video frames (VideoFrameShot), rim detection (EdgeDetection), image normalization pre-service (Normalization), card surface analysis cutting (Analysis), feature extraction (FeatureExtraction), character recognition (Recognition), aftertreatment (PostProcessing), the links such as semantic comparative analysis; For guaranteeing the accuracy of overall flow, we are optimized processing to each the subring joint in flow process, thereby controlled to whole processing and identification flow process; Large data sample is tested repeatedly, and whole recognition accuracy has reached 95%.And in Continuous optimization;
Gordian technique 3: improved minimum distance classifier recognizer guarantees that software identification fault-tolerance is due to the scene environment more complicated of the actual use of software, so the fault-tolerance of software algorithm is a key factor; And the link that affects fault-tolerance maximum is the identification of character; Consider that character recognition is mainly English and digital, minimum distance classifier is the sorting algorithm based on vector space model, in image recognition processing and text classification field, has unique advantage; In order to adapt to actual use scenes, we have taked a kind of new disaggregated model weighted minimum distance classifier (Weighted Minimum Distance Classifier) based on standardization Euclidean distance;
Embodiment
Credit card Streaming Media recognition technology also realizes the image model identification core technology in the method employing forward position of on-line payment, after entering on-line payment system, computer camera or embedded in mobile phone camera can be opened automatically, user only needs that credit card is carried out to data facing to camera and reads, just can realize card number and obtain, and complete follow-up on-line payment transaction; Camera device, to video flowing intercepting 3～4 pictures of scanning, pre-service adopts conventional gray processing, binaryzation, the means such as noise, normalization of dispelling complete; Rim detection is used the Canny edge detection operator after optimizing; Card surface analysis and card face region cutting, determine scanning area, carries out region binaryzation scanning, and be stored in rectangular structure chained list; The feature extraction of feature extraction based on vertical orientation data statistics is image is scanned by column from left to right, add up the number of the black picture element of every row, then line by line scan from top to bottom, add up the black picture element number of every row, the proper vector using statistics as character; Weighted minimum distance classifier recognizer after utilization improves completes the character recognition of core; Finally carry out semantization aftertreatment.
Claims (10)
1. a credit card Streaming Media recognition technology realize the method for on-line payment.It includes (1) video flowing collecting device: this equipment has image collecting function, can complete the collection of card is obtained; This equipment can be notebook built-in camera, computer external camera, mobile phone camera; This equipment can complete the Real-time Collection to image; (2) Streaming Media recognition system: this system is carried out the identification work of video streaming image, system, by the mathematical algorithm of optimizing, completes extraction and identification to credit card card face essential information, can obtain the essential informations such as card number of credit card; (3) there is bank, the settlement system of credit card or third-party payment system: system completes online payment and transaction;
Be characterized in: whole process comprises following steps:
A: user is by internet, or mobile phone carries out the payment transaction of credit card; Enter the payment page;
B: paying the page, open camera pattern, can gather video flowing;
C: the credit card that needs are concluded the business, aim at camera, camera starts to gather image;
D: camera is transferred to application software by the video pictures collecting, first application software carries out pre-service to the picture collecting, and dispels and makes an uproar, the operations such as binaryzation;
E: software is by optimized algorithm, the location of blocking face, i.e. rim detection;
F: scanning two-value district, deposit data is to rectangular configuration body surface;
G: utilize similarity vector to describe, complete feature extraction, carry out character recognition;
H: the data by identifying, send to application software, application software shows to user, user carries out the last confirmation of information;
I: the credit card information by identifying, send to payment system, complete transaction payment.
2. according to claim 1 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: the picture that camera collection arrives, then carries out preprocessing process particular sequence, special algorithm.
3. according to claim 1, described in 2 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: camera is shown display packing that can control card.Before camera shows card, according to camera collection area size and resolution, decide the size of card viewing area.
4. according to claim 1 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: the storage mode that the data after scanning are carried out, adopts rectangular configuration body surface mode to store.
According to described in claim Isosorbide-5-Nitrae by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: the Feature Extraction Technology of special algorithm, the Feature Extraction Technology based on similarity vector algorithm.
6. according to claim Isosorbide-5-Nitrae, described in 5 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: the character recognition technologies of special algorithm, weighted minimum distance distance classification device recognizer is applied to the character recognition of credit card.
7. according to claim 1,2,3,4,5, described in 6 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: the credit card character recognition flow process completing, the specific flow process of image recognition, pre-service, rim detection, feature extraction, character recognition.
8. according to claim 1 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: image scanning apparatus described in system, it can be notebook built-in camera, notebook external camera, console display built-in camera, console display external camera, and mobile device built-in camera.
9. according to claim 8 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: described in 8, mobile device comprises, can be mobile phone, panel computer, wearable eyes, wearable wrist-watches etc. have the equipment that image scanning is obtained.
10. according to claim 1 by credit card Streaming Media recognition technology and realize the method for on-line payment, be characterized in: payment and settlement system, it can be the payment and settlement system of bank or Unionpay, it can be Credit Card Payments settlement system, also can be the payment and settlement system that third party's payment company provides, or the payment and settlement system of prepaid card etc.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310123318.4A CN104102997A (en) | 2013-04-10 | 2013-04-10 | Credit card streaming media identification technology and online payment realization method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310123318.4A CN104102997A (en) | 2013-04-10 | 2013-04-10 | Credit card streaming media identification technology and online payment realization method |
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| CN104102997A true CN104102997A (en) | 2014-10-15 |
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| CN201310123318.4A Pending CN104102997A (en) | 2013-04-10 | 2013-04-10 | Credit card streaming media identification technology and online payment realization method |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104966077A (en) * | 2015-07-21 | 2015-10-07 | 携程计算机技术（上海）有限公司 | Bank card printed card number ordinate recognition method and system |
| CN110728558A (en) * | 2019-10-16 | 2020-01-24 | 腾讯科技（深圳）有限公司 | Virtual article package sending method, device, equipment and storage medium |
| CN111523999A (en) * | 2020-04-22 | 2020-08-11 | 支付宝(杭州)信息技术有限公司 | Method and device for identifying public bank account and electronic equipment |
-
2013
- 2013-04-10 CN CN201310123318.4A patent/CN104102997A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104966077A (en) * | 2015-07-21 | 2015-10-07 | 携程计算机技术（上海）有限公司 | Bank card printed card number ordinate recognition method and system |
| CN110728558A (en) * | 2019-10-16 | 2020-01-24 | 腾讯科技（深圳）有限公司 | Virtual article package sending method, device, equipment and storage medium |
| CN111523999A (en) * | 2020-04-22 | 2020-08-11 | 支付宝(杭州)信息技术有限公司 | Method and device for identifying public bank account and electronic equipment |
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Application publication date: 20141015 |