CN106157031A - The method and device of intelligent card payment transaction configuration item is set after biological identification success - Google Patents
The method and device of intelligent card payment transaction configuration item is set after biological identification success Download PDFInfo
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- CN106157031A CN106157031A CN201510160590.9A CN201510160590A CN106157031A CN 106157031 A CN106157031 A CN 106157031A CN 201510160590 A CN201510160590 A CN 201510160590A CN 106157031 A CN106157031 A CN 106157031A
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Abstract
Arranging the device of intelligent card payment transaction configuration item after the success of a kind of biological identification, the basic module of described device comprises: feature templates, biological identification, sensor, smart card authentication, key management, intelligent card interface, master control, host computer interface；The module that described device comprises under off line form further has: man-machine interaction input, man-machine interaction output, configuration information, battery management；Described device arranges the method for intelligent card payment transaction configuration item under off line form, comprises step: (1) user by the man-machine interaction input module of the described device described device of triggering, proceed by configuration item operation be set；(2) whether the biological identification module of described device, the biological characteristic of checking user mate, if do not mated, then return failure with the feature templates of feature templates module stores；(3) described device smart card authentication module, be verified the smart card that intelligent card interface connects the most legal, as illegal, then return failure；(4) main control module of described device, configuration item that the intelligent card payment of configuration information module stores is concluded the business, the form instructed by smart card, be written to the smart card that smart card interface module is connected.
Description
Technical field
After the present invention relates to a kind of biological identification success of the payment transaction safety problem of smart card, especially design,
The device of intelligent card payment transaction configuration item is set.
Background technology
More and more select along with economic development, people to use smart card to consume, up to nowadays, intelligence
Card industry can grow into national economy new growth point.
In order to protect the fund security of consumer, holder use smart card, will POS, ATM or silver
Row cabinet face, just can carry out block trade, and user cipher to be used verifies identity.User cipher is only
The checking means of one.
But this security mechanism of user cipher, be not the safest because of various reasons；Such as, have
User remembers for convenience, password is set to 123456, and some users are set to password the birthday, have
User is arranged to the password of oneself all smart card identical.Geng You criminal group is bank, hospital, business
Etc., peep user cipher and go smoothly after, steal or snatch away user smart card, then mad crime, moment
Transferring all funds, user is at all not free takes protective measure.
Summary of the invention
In order to solve above-mentioned problems of the prior art, after the present invention proposes a kind of biological identification success
Arranging the device of intelligent card payment transaction configuration item, the method and device of the present invention, by default payment transaction
The specific payment transaction of configuration item management smart card, accomplishes: even if card is lost and password is revealed, also
Can be by the damage control in preset range, at utmost protect the user against huge loss.
Basis as realizing described device:
The basic module of described device includes: feature templates module, biological identification module, sensor assembly,
Smart card authentication module, key management module, smart card interface module, host computer interface module, master control mould
Block；
Described basic module refers to: be intended to the module used in connection types, off line form；Described online shape
State refers to: described device connects host computer and carries out the working morphology of configuration item setting；Described off line form refers to:
Described device need not connect host computer and carry out the working morphology of configuration item setting；
Described feature templates module is used for: store the template of the biological characteristic of the legitimate user of described device；
Described biological identification module is used for: make the template of biological characteristic, checking user identity；
Described sensor assembly is used for: gather the live data comprising biological characteristic of user；
Described smart card authentication module is used for verifying: the smart card connected by intelligent card interface is the most legal；
Described key management module is used for storing: the key that uses in checking smart card whether polymerization process, build
Key needed for vertical security configuration passage；Described security configuration passage is used for: connects main control module and passes through intelligence
Can card interface connect smart card, guarantee that the communication of main control module and smart card is not tampered with；
Described smart card interface module, for connect with the smart card of described matched with devices；Described interface support
Contact intelligent card communication interface, contact type intelligent card communication interface any or all of；Described intelligence
Can card comprise: bank card, social security card any or all of；Described smart card is that one possesses payment merit
Energy, the smart card of corresponding one or more accounts；
Described host computer interface module, it is used for connecting host computer；Described host computer comprises: computer, intelligence
Mobile phone, mobile tablet device；
Described main control module connect: smart card interface module, host computer interface module, biological identification module,
Smart card authentication module, key management module, be the central control unit of described device.
One of method of biological identification as described device:
The concrete authentication method of described biological identification module is: finger print identifying；
Described feature templates module is used for storing: the template of fingerprint characteristic；
Implementing of described sensor assembly comprises: optical fingerprint collector, semiconductor fingerprint harvester,
Any one of ultrasonic fingerprint harvester.
As described device biological identification method two:
The concrete authentication method of described biological identification module is: iris authentication；
Described feature templates module is used for storing: the template of iris feature；
Implementing of described sensor assembly comprises: visible image capturing head, infrared pick-up head any one
Kind.
As described device biological identification method three:
The concrete authentication method of described biological identification module is: vena identification；
Described feature templates module is used for storing: the template of vein pattern；
Implementing of described sensor assembly comprises: infrared pick-up head.
Under off-line working pattern, described device comprises further:
Man-machine interaction input module, man-machine interaction output module, configuration information module, battery management module；
Described man-machine interaction input module is used for: be supplied to user, with input control in interactive process
Information processed is to described device；
Described man-machine interaction output module is used for: be supplied to user, to obtain institute in interactive process
State the feedback of device output；
Described configuration information module is used for: the intelligent card payment transaction configuration item that storage is pre-selected；
Described battery management module is used for: the described device for off line form provides power supply.
Under off-line working pattern, the information of the configuration information module stores of described device comprises: pay amount,
From date, the deadline any one or multiple；
Described payment amount refers to: allow the amount of the fund paid from the account that described smart card is corresponding；
Described from date refers to: in described specific payment is concluded the business, and whether described device checks trade date
Meet the requirement of from date；If trade date before from date, Fail Transaction is exited；
The described deadline refers to: in described specific payment is concluded the business, and whether described device checks trade date
Meet the requirement of deadline；If trade date after the deadline, Fail Transaction is exited.
Under off-line working pattern, the man-machine interaction input module of described device:
Its specific implementation comprises: mechanical botton, mechanical keyboard, touch-button, touch key
Dish, any one or more of touch screen.
Under off-line working pattern, the man-machine interaction output module of described device:
Its specific implementation comprises: LED light, buzzer, speaker, electronic display, number
Any one or more of display tube.
The host computer interface module of described device:
Its specific implementation comprises: USB, bluetooth, WIFI, computer serial interface any one or
Multiple.
The described device of the present invention, under on-line working pattern, after its biological identification success, smart card be set prop up
The method paying transaction configuration item, comprises step as follows:
(1) host computer transmission template construct instructs to the main control module of described device；
(2) the biological identification module of described device gathers biological data, makes feature templates and by biology spy
The template levied stores feature templates module；
(3) the payment transaction configuration item that host computer selects user is sent to the master of described device by order
Control module, main control module are saved into configuration information module；
(4) host computer sends instructions to the main control module of described device, indicates described device, proceeds by
Pay transaction configuration item and operation is set；
(5) described device biological identification module, checking user biological characteristic whether with character modules template die
The feature templates coupling of block storage, if do not mated, then return failure
(6) described device smart card authentication module, whether be verified smart card that intelligent card interface connects
Legal, as illegal, then return failure；
(7) main control module of described device, configuration item that the intelligent card payment of configuration information module stores is concluded the business,
The form that instructed by smart card, it is written to connected smart card.
The described device of the present invention exists: has completed feature templates and has made, written into configuration information and off line work
Under operation mode, method that intelligent card payment transaction configuration item is set after the success of its biological identification, comprise step such as
Under:
(1) user is triggered described device by the man-machine interaction input module of described device, is proceeded by and prop up
Pay transaction configuration item and operation is set；
(2) described device biological identification module, checking user biological characteristic whether with character modules template die
The feature templates coupling of block storage, if do not mated, then return failure；
(3) described device smart card authentication module, whether be verified smart card that intelligent card interface connects
Legal, as illegal, then return failure；
(4) main control module of described device, configuration item that the intelligent card payment of configuration information module stores is concluded the business,
The form that instructed by smart card, it is written to connected smart card.
Accompanying drawing explanation
Fig. 1 is the mould of device arranging intelligent card payment transaction configuration item after the present invention, biological identification success
Block structural diagram；Described device can only use under online mode.
Fig. 2 is the mould of device arranging intelligent card payment transaction configuration item after the present invention, biological identification success
Block structural diagram；Described device on the basis of function structure chart shown in Fig. 1, further increase off-line working mould
Module needed for formula.
Fig. 3 is assembly of the invention, arranges intelligent card payment transaction after on line state, biological identification success
The workflow diagram of the method for configuration item.
Fig. 4 is assembly of the invention, arranges intelligent card payment transaction after off-line state, biological identification success
The workflow diagram of the method for configuration item.
Embodiment
In order to make the object, technical solutions and advantages of the present invention clearer, with reference to the accompanying drawings to the present invention
Describe in further detail.
The present invention, the modular structure of device that intelligent card payment transaction configuration item is set after biological identification success
Figure；As shown in Figure 1, described device can only work under online mode.
The module of described device includes: feature templates module 101, biological identification module 102, sensor assembly
103, smart card authentication module 104, key management module 105, smart card interface module 106, host computer connect
Mouth die block 107, main control module 108；
Described feature templates module 101 is used for: store the biometric templates of the legitimate user of described device；
Described biological identification module 102 is used for: make the template of biological characteristic, checking user identity；
Described sensor assembly 103 is used for: gather the live data comprising biological characteristic of user；
Described smart card authentication module 104 is used for verifying: the smart card connected by smart card interface module 106
The most legal；One of method that checking smart card is the most legal is: by specific protocol and particular procedure, institute
State device be pertaining only to specific holder special, by described device with holder and also only with holder, one
Or the pairing of many sheet smart cards；So done the smart card of pairing be exactly legal, just do not do the smart card matched
It is illegal；
Described key management module 105 is used for storing: the key that uses in checking smart card whether polymerization process,
Set up the key needed for security configuration passage；Described security configuration passage connects: main control module 108 and passing through
Smart card interface module 106 connect smart card, guarantee that communication data is not tampered with；
Described smart card interface module 106, for connect with the smart card of described matched with devices；Described interface props up
Hold contact intelligent card communication interface, contact type intelligent card communication interface any or all of；Described
Smart card comprises: bank card, social security card any or all of；Described smart card is that one possesses payment
The smart card of one or more accounts function, corresponding；
Described host computer interface module 107, it is used for connecting host computer；Described host computer comprises: computer, intelligence
Can mobile phone, any one or more of mobile tablet device；Described device shown in Fig. 1 needs by upper
Machine interface module 107 connects suitable host computer use, the most online use；
Described main control module 108 connects: smart card interface module 106, host computer interface module 107, biology
Authentication module 102, smart card authentication module 104, key management module 105, be central authorities' control of described device
Unit processed.
The present invention, the modular structure of device that intelligent card payment transaction configuration item is set after biological identification success
Figure as in figure 2 it is shown, described device on the basis of Fig. 1 shown device, further increase off-line working
Module needed for pattern.
Module 201-208 shown in Fig. 2 and module 101-108 shown in Fig. 1, function one_to_one corresponding respectively.
As shown in Figure 2, newly-increased module comprises: man-machine interaction input module 209, man-machine interaction output module
210, configuration information module 211, battery management module 212；
Described man-machine interaction input module 209 is used for: be supplied to user, with defeated in interactive process
Enter control information to described device；
Described man-machine interaction output module 210 is used for: be supplied to user, to obtain in interactive process
The feedback exported to described device；
Described configuration information module 211 is used for: the intelligent card payment transaction configuration item that storage is pre-selected；
Described intelligent card payment transaction configuration item comprise: pay amount, from date, the deadline any
One or more；
Described payment amount refers to: allow the amount of the fund paid from the account that described smart card is corresponding；
Described from date refers to: in described specific payment is concluded the business, and whether described device checks trade date
Meet the requirement of from date；If trade date before from date, Fail Transaction is exited；
The described deadline refers to: in described specific payment is concluded the business, and whether described device checks trade date
Meet the requirement of deadline；If trade date after the deadline, Fail Transaction is exited；
Described battery management module 212 is used for: the described device for off line form provides power supply.
Assembly of the invention, on line state, biological identification success after arrange intelligent card payment transaction configuration item
The workflow diagram of method, as shown in Figure 3:
Step 301: host computer sends template construct and instructs to the main control module of described device；
Step 302: the biological identification module of described device gathers biological data, makes feature templates and by raw
The template of thing feature stores feature templates module；
Step 303: the payment transaction configuration item that host computer selects user is sent to described device by order
Main control module, main control module be saved into configuration information module；
Step 304: host computer send instructions to described device main control module, indicate described device, start into
Row payment transaction configuration item arranges operation；
Step 305: the biological identification module of described device, checking user biological characteristic whether with character modules
The feature templates coupling of plate module storage；
Step 306: if biological characteristic is illegal, i.e. the biological characteristic of user is with feature templates module stores
Feature templates do not mate, then go to step 310；Otherwise go to step 307；
Step 307: the smart card authentication module of described device, be verified the smart card that intelligent card interface connects
The most legal；
Step 308: if smart card is illegal, go to step 310；Otherwise go to step 309；
Step 309: the main control module of described device, the intelligent card payment of configuration information module stores is concluded the business and joins
Put item, the form instructed by smart card, be written to connected smart card；Payment transaction configuration item is arranged
Success.
Step 310: payment transaction configuration item setup failed.
Assembly of the invention, off-line state, biological identification success after arrange intelligent card payment transaction configuration item
The workflow diagram of method, as shown in Figure 4:
Step 401: user by the man-machine interaction input module of described device trigger described device, start into
Row payment transaction configuration item arranges operation；
Step 402: the biological identification module of described device, checking user biological characteristic whether with character modules
The feature templates coupling of plate module storage；
Step 403: if biological characteristic is illegal, i.e. the biological characteristic of user is with feature templates module stores
Feature templates do not mate, then go to step 407；Otherwise go to step 404；
Step 404: the smart card authentication module of described device, be verified the smart card that intelligent card interface connects
The most legal；
Step 405: if smart card is illegal, go to step 407；Otherwise go to step 406；
Step 406: the main control module of described device, the intelligent card payment of configuration information module stores is concluded the business and joins
Put item, the form instructed by smart card, be written to connected smart card；Payment transaction configuration item is arranged
Success.
Step 407: payment transaction configuration item setup failed.
All above explanation is used only to help to understand the method that the present invention proposes, and those skilled in the art can
With the thought according to the present invention, it is achieved all technical schemes that the present invention proposes and includes；This specification content
It is not limited to the present invention.
Claims (10)
1. the device of intelligent card payment transaction configuration item is set after a biological identification success, it is characterised in that
The basic module of described device includes:
Feature templates module, biological identification module, sensor assembly, smart card authentication module, key management
Module, smart card interface module, host computer interface module, main control module；
Described basic module refers to: be intended to the module used in connection types, off line form；Described online shape
State refers to: described device connects host computer and carries out the working morphology of configuration item setting；Described off line form refers to:
Described device need not connect host computer and carry out the working morphology of configuration item setting；
Described feature templates module is used for: store the template of the biological characteristic of the legitimate user of described device；
Described biological identification module is used for: make the template of biological characteristic, checking user identity；
Described sensor assembly is used for: gather the live data comprising biological characteristic of user；
Described smart card authentication module is used for verifying: the smart card connected by intelligent card interface is the most legal；
Described key management module is used for storing: the key that uses in checking smart card whether polymerization process, build
Key needed for vertical security configuration passage；Described security configuration passage is used for: connects main control module and passes through intelligence
Can card interface connect smart card, guarantee that the communication of main control module and smart card is not tampered with；
Described smart card interface module, for connect with the smart card of described matched with devices；Described interface support
Contact intelligent card communication interface, contact type intelligent card communication interface any or all of；Described intelligence
Can card comprise: bank card, social security card any or all of；Described smart card is that one possesses payment merit
Energy, the smart card of corresponding one or more accounts；
Described host computer interface module, it is used for connecting host computer；Described host computer comprises: computer, intelligence
Mobile phone, mobile tablet device；
Described main control module connect: smart card interface module, host computer interface module, biological identification module,
Smart card authentication module, key management module, be the central control unit of described device.
After a kind of biological identification success the most according to claim 1, intelligent card payment transaction configuration item is set
Device, it is characterised in that:
The concrete authentication method of described biological identification module is: finger print identifying；
Described feature templates module is used for storing: the template of fingerprint characteristic；
Implementing of described sensor assembly comprises: optical fingerprint collector, semiconductor fingerprint harvester,
Any one of ultrasonic fingerprint harvester.
After a kind of biological identification success the most according to claim 1, intelligent card payment transaction configuration item is set
Device, it is characterised in that:
The concrete authentication method of described biological identification module is: iris authentication；
Described feature templates module is used for storing: the template of iris feature；
Implementing of described sensor assembly comprises: visible image capturing head, infrared pick-up head any one
Kind.
After a kind of biological identification success the most according to claim 1, intelligent card payment transaction configuration item is set
Device, it is characterised in that:
The concrete authentication method of described biological identification module is: vena identification；
Described feature templates module is used for storing: the template of vein pattern；
Implementing of described sensor assembly comprises: infrared pick-up head.
5. intelligence is set according to after a kind of biological identification success described in any claim of claim 2,3,4
The device of energy card payment transactions configuration item, it is characterised in that:
Module that the off line form of described device uses, comprise further: man-machine interaction input module, man-machine
Mutual output module, configuration information module, battery management module；
Described man-machine interaction input module is used for: be supplied to user, with input control in interactive process
Information processed is to described device；
Described man-machine interaction output module is used for: be supplied to user, to obtain institute in interactive process
State the feedback of device output；
Described configuration information module is used for: the intelligent card payment transaction configuration item that storage is pre-selected；
Described battery management module is used for: the described device for off line form provides power supply.
After a kind of biological identification success the most according to claim 5, intelligent card payment transaction configuration item is set
Device, it is characterised in that:
The information of described configuration information module stores comprises: pay amount, from date, the deadline appoint
Anticipate one or more；
Described payment amount refers to: allow the amount of the fund paid from the account that described smart card is corresponding；
Described from date refers to: in described specific payment is concluded the business, and whether described device checks trade date
Meet the requirement of from date；If trade date before from date, Fail Transaction is exited；
The described deadline refers to: in described specific payment is concluded the business, and whether described device checks trade date
Meet the requirement of deadline；If trade date after the deadline, Fail Transaction is exited.
7. intelligence is set according to after a kind of biological identification success described in any claim of claim 5,6
The device of card payment transactions configuration item, it is characterised in that:
The specific implementation of described man-machine interaction input module comprises: mechanical botton, mechanical keyboard,
Touch-button, touch formula keyboard, any one or more of touch screen；
The specific implementation of described man-machine interaction output module comprises: LED light, buzzer, raise one's voice
Device, electronic display, any one or more of digital display tube.
8. according to a kind of biological identification success described in any claim of claim 2,3,4,5,6,7
The rear device that intelligent card payment transaction configuration item is set, it is characterised in that:
Described implementing of host computer interface module comprises: USB, bluetooth, WIFI, computer serial interface
Any one or more of mouth.
9. the method that intelligent card payment transaction configuration item is set after a biological identification success, it is characterised in that:
Described device mode of operation is online, and its method comprises step:
(1) host computer transmission template construct instructs to the main control module of described device；
(2) the biological identification module of described device gathers biological data, makes feature templates and by biology spy
The template levied stores feature templates module；
(3) the payment transaction configuration item that host computer selects user is sent to the master of described device by order
Control module, main control module are saved into configuration information module；
(4) host computer sends instructions to the main control module of described device, indicates described device, proceeds by
Pay transaction configuration item and operation is set；
(5) described device biological identification module, checking user biological characteristic whether with character modules template die
The feature templates coupling of block storage, if do not mated, then return failure
(6) described device smart card authentication module, whether be verified smart card that intelligent card interface connects
Legal, as illegal, then return failure；
(7) main control module of described device, configuration item that the intelligent card payment of configuration information module stores is concluded the business,
The form that instructed by smart card, it is written to connected smart card.
10. the method that intelligent card payment transaction configuration item is set after a biological identification success, it is characterised in that:
Described device has completed feature templates and has made, is off line written into configuration information, mode of operation, its side
Method comprises step:
(1) user is triggered described device by the man-machine interaction input module of described device, is proceeded by and prop up
Pay transaction configuration item and operation is set；
(2) described device biological identification module, checking user biological characteristic whether with character modules template die
The feature templates coupling of block storage, if do not mated, then return failure；
(3) described device smart card authentication module, whether be verified smart card that intelligent card interface connects
Legal, as illegal, then return failure；
(4) main control module of described device, configuration item that the intelligent card payment of configuration information module stores is concluded the business,
The form that instructed by smart card, it is written to connected smart card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510160590.9A CN106157031A (en) | 2015-04-08 | 2015-04-08 | The method and device of intelligent card payment transaction configuration item is set after biological identification success |
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|---|---|---|---|
| CN201510160590.9A CN106157031A (en) | 2015-04-08 | 2015-04-08 | The method and device of intelligent card payment transaction configuration item is set after biological identification success |
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| CN106157031A true CN106157031A (en) | 2016-11-23 |
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| CN201510160590.9A Pending CN106157031A (en) | 2015-04-08 | 2015-04-08 | The method and device of intelligent card payment transaction configuration item is set after biological identification success |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107480994A (en) * | 2017-06-23 | 2017-12-15 | 阿里巴巴集团控股有限公司 | A kind of settlement method, access control method and device |
| CN108540457A (en) * | 2018-03-20 | 2018-09-14 | 深圳市文鼎创数据科技有限公司 | A kind of safety equipment and its biological identification control method and device |
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| CN1588388A (en) * | 2004-07-27 | 2005-03-02 | 杭州中正生物认证技术有限公司 | Cell phone paying method with finger print identification |
| CN102289877A (en) * | 2011-08-30 | 2011-12-21 | 广东机电职业技术学院 | Card-free fingerprint intelligent vending system and realizing method thereof |
| CN104361492A (en) * | 2014-11-05 | 2015-02-18 | 武汉天聪创意科技有限公司 | Embedded electronic wallet and payment method thereof |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1588388A (en) * | 2004-07-27 | 2005-03-02 | 杭州中正生物认证技术有限公司 | Cell phone paying method with finger print identification |
| CN102289877A (en) * | 2011-08-30 | 2011-12-21 | 广东机电职业技术学院 | Card-free fingerprint intelligent vending system and realizing method thereof |
| CN104361492A (en) * | 2014-11-05 | 2015-02-18 | 武汉天聪创意科技有限公司 | Embedded electronic wallet and payment method thereof |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107480994A (en) * | 2017-06-23 | 2017-12-15 | 阿里巴巴集团控股有限公司 | A kind of settlement method, access control method and device |
| CN108540457A (en) * | 2018-03-20 | 2018-09-14 | 深圳市文鼎创数据科技有限公司 | A kind of safety equipment and its biological identification control method and device |
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