CN110910142A - Payment authentication method and device - Google Patents
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- CN110910142A CN110910142A CN201911077485.3A CN201911077485A CN110910142A CN 110910142 A CN110910142 A CN 110910142A CN 201911077485 A CN201911077485 A CN 201911077485A CN 110910142 A CN110910142 A CN 110910142A
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- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention provides a payment authentication method and a device, which ensure the safety of payment authentication by double authentication including identity authentication and face authentication on equipment to be paid, wherein the face authentication can effectively acquire authentication information of an authenticator by using a payment authentication device, the authentication information comprises a face visible light image and a face infrared image of the authenticator, judge whether the face authentication information is correct or not, feed back the judgment result to the equipment to be paid, and finish payment or terminate the payment authentication. The payment authentication method and the device can ensure the security of payment authentication and can effectively solve sudden payment authentication events.
Description
Technical Field
The invention relates to the technical field of secure payment authentication, in particular to a payment authentication method and device.
Background
Funding is one of the most important resources for a business. Capital risks and security issues have been highly concerned and valued by various enterprises.
In the existing fund settlement service, personal authentication during fund payment mainly passes password authentication, and requires the assistance of a digital certificate, namely USBKey, while the password authentication of colleagues is carried out, so that the password input authentication by using the USBKey is a relatively universal fund security guarantee mode. However, during the USBKey storage and use process, the USBKey borrowing and the USBKey loss occur, and the risk of password leakage and influence on enterprise fund safety exists. In addition, when the personnel on the post related to fund payment temporarily leaves the post due to business trip, vacation and the like, the USBKey and the password are handed over to the successor directly for processing.
Therefore, the conventional payment authentication method has high risk and cannot deal with sudden payment authentication events.
Disclosure of Invention
The existing technical problem is that the existing payment authentication mode has high risk and cannot deal with sudden payment authentication events.
In order to solve the above technical problem, the present invention provides a payment authentication method, including:
entering an identity verification process; judging whether the identity authentication is passed; if the identity verification is not passed, terminating the payment authentication; if the identity authentication is passed, entering a face authentication process; judging whether the face verification passes; if the face verification fails, entering a flow supplement process after the face verification; if the face verification passes, feeding back face verification passing information; and completing payment according to the face verification passing information.
Further, the authentication process comprises: inserting a digital certificate into the device to be paid and inputting a preset password; judging whether the input password is correct or not; if the password is correct, entering a face verification process; if the password is incorrect, the payment authentication is terminated.
Further, the face verification process includes: collecting a visible light image of a human face, and collecting an infrared image of the human face; judging whether the information of the collected human face visible light image and the human face infrared image corresponds to the preset human face information; if the collected information of the visible light image and the infrared image of the human face corresponds to the preset information of the human face, feeding back the information that the human face passes verification; otherwise, entering a flow of supplementing after face verification;
selecting whether to enter a face verification process again; if the user does not enter the face verification process again, the payment authentication is terminated; if the user selects to enter the face verification process again, acquiring the visible light image of the face again, and acquiring the infrared image of the face again; judging whether the information of the human face visible light image and the human face infrared image which are collected again corresponds to the preset human face information; if the information of the human face visible light image and the human face infrared image which are collected again corresponds to the preset human face information, feeding back human face verification passing information; otherwise, the payment authentication is terminated.
Further, the preset human face visible light image is prestored in the human face information base.
Further, the authentication process comprises: inputting a mobile terminal communication number in the equipment to be paid; judging whether the communication number of the mobile terminal is correct or not; if the mobile terminal communication number is correct, the mobile terminal receives a random information code; inputting an information code in the equipment to be paid, and entering a face verification process; if the mobile terminal communication number is incorrect, the payment authentication is terminated, and the payment authentication state is fed back to the mobile terminal.
Further, the authentication process comprises: the authenticator reads preset information; judging whether the voice information of the preset information read by the authenticator is correct or not; if the voice information is correct, entering a face verification process; and if the voice information is incorrect, terminating the payment authentication.
There is also provided a payment authentication apparatus comprising: the fixing frame is used for bearing the acquisition device and fixing the acquisition device on the equipment to be paid or on the periphery of the equipment to be paid; the acquisition device is provided with an image acquisition device and is used for acquiring the verification information of the authenticator; the processing unit is arranged in the acquisition device and used for judging whether the verification information of the authenticator is correct or not and feeding back the judgment result to the device to be paid.
Furthermore, the acquisition device also comprises a voice acquisition device, a human face information base unit and a voice information unit.
Further, the image acquisition device comprises a visible light image acquisition device and an infrared image acquisition device; the voice acquisition device is opened or closed through a button arranged on the acquisition device, and the voice acquisition device is used for playing voice prompt and acquiring voice information of the authenticator.
Further, the fixing frame comprises a flexible connecting piece for adjusting the angle of the acquisition device.
The payment authentication method and the device ensure the safety of the payment authentication by double authentication including identity authentication and face authentication on the equipment to be paid, wherein the face authentication can effectively acquire the authentication information of an authenticator by using the payment authentication device, judge whether the face authentication information is correct or not and feed back the judgment result to the equipment to be paid to finish the payment or terminate the payment authentication. The payment authentication method and the device can ensure the security of payment authentication and can effectively solve sudden payment authentication events.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic flow chart diagram illustrating an embodiment of a payment authentication method of the present invention;
FIG. 2 is a schematic view of a first sub-flow of step S1 in FIG. 1;
FIG. 3 is a schematic view of a second sub-flow of step S1 in FIG. 1;
FIG. 4 is a schematic view of a third sub-flow of step S1 in FIG. 1;
FIG. 5 is a schematic sub-flow chart of step S4 in FIG. 1;
fig. 6 is a schematic structural diagram of an embodiment of the payment authentication apparatus of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be noted that the following examples are only illustrative of the present invention, and do not limit the scope of the present invention. Likewise, the following examples are only some but not all examples of the present invention, and all other examples obtained by those skilled in the art without any inventive step are within the scope of the present invention.
The terms "first", "second" and "third" in the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first," "second," or "third" may explicitly or implicitly include at least one of the feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise. All directional indicators (such as up, down, left, right, front, and rear … …) in the embodiments of the present invention are only used to explain the relative positional relationship between the components, the movement, and the like in a specific posture (as shown in the drawings), and if the specific posture is changed, the directional indicator is changed accordingly. The terms "comprising" and "having" and any variations thereof in the embodiments of the present application are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or may alternatively include other steps or elements inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
Please refer to fig. 1, which is a flowchart illustrating a payment authentication method according to an embodiment of the present invention.
Step S1, the process proceeds to the authentication process.
In this step, when the authenticator needs to pay, online payment can be made on the device to be paid (including computer, tablet and mobile phone). And the authenticator may be a fixed one that serves as the responsibility for payment authentication or may be another person. However, whether the person responsible for payment authentication or other people want to pay successfully, relevant information, such as voice information, face information, fingerprint information and the like, must be stored in the device to be paid or/and the payment authentication device.
When the device to be paid enters the payment authentication interface, an identity verification process is firstly required, the identity verification process is the first pass of payment authentication, and the adopted modes are various in order to verify whether the authenticator has the qualification of payment authentication. The method can be a method of encrypting codes by using a fixed digital certificate, a verification method of adding information codes to a preset mobile terminal communication number, and an authentication method of voice information of an authenticator. The voice information comprises voice information such as tone, tone and the like; preferably, the identity authentication is carried out by using a digital certificate encryption code mode.
Step S2, determine whether the authentication is passed.
After the authentication in step S1, it is necessary to determine whether the authentication is passed, whether the password of the authenticator is correctly input, whether the communication number of the terminal of the authenticator is correctly input, or whether the voice message of the authenticator is correct. This step preliminarily ensures that the authenticator is qualified for payment authentication.
And step S3, if the identity verification is not passed, terminating the payment authentication.
If the authentication of the authenticator is not passed, namely the password input of the authenticator is incorrect, or the communication number input of the terminal of the authenticator is incorrect, or the voice message of the authenticator is incorrect. This step confirms that the authenticator is not eligible for payment authentication. The device to be paid terminates payment authentication. However, the payment authentication of the device to be paid is not permanent, and the device to be paid restarts the payment authentication after a certain time after the payment authentication of the device to be paid is terminated. The time may be specifically set.
And step S4, if the identity authentication is passed, entering a face authentication flow.
If it is determined in step S3 that the authenticator qualifies for payment authentication, the payment authentication process of the device to be paid proceeds to the next step, i.e., to the face verification process. The face verification process is to further confirm whether the identity and the related information of the authenticator are correct. The human face verification process effectively prevents the behavior of a counterfeit authenticator by using a method of human face visible light verification and human face infrared verification through a payment authentication device arranged on or near the equipment to be paid.
Step S5, it is determined whether the face verification passes.
The visible light image of the authenticator and the infrared image of the authenticator are collected through the payment authentication device, and the collected visible light image of the authenticator and the collected infrared image of the authenticator are compared with the information of the face of the authenticator with authentication qualification, which is stored in the payment authentication device in advance. And if the visible light image of the authenticator is completely consistent with the infrared image of the authenticator and the information of the face of the authenticator with the authentication qualification, judging that the face passes the authentication, judging whether the authenticator has the authentication qualification through the visible light image, judging whether the authenticator is a real person through the infrared image, and otherwise, failing to pass the face authentication.
And step S6, if the face verification fails, entering a flow compensation process after the face verification.
If the face verification of the authenticator fails, the device to be paid immediately gives the authenticator whether to perform the face verification process again, namely, the process is supplemented after the face verification. And the face of the authenticator is authenticated again through the payment authentication device. The situation that external factors interfere in the first authentication to cause the authentication to be inaccurate is prevented.
And step S7, if the face verification is passed, feeding back face verification passing information.
And if the face of the authenticator passes the verification after the comparison of the payment authentication device, the payment authentication device feeds back the face verification passing information to the equipment to be paid. And the device to be paid performs payment operation in the background.
And step S8, completing payment according to the face verification passing information.
And after the to-be-paid equipment receives the face verification passing information, payment is completed through a payment system established between the background of the to-be-paid equipment and each large bank or other financial platforms.
The authentication process may be various, and in an embodiment, a specific implementation of the authentication process is specifically described. Please refer to fig. 2, which is a first sub-flowchart of step S1 in fig. 1.
Step S11, insert the digital certificate in the device to be paid and input the preset password.
In this embodiment, the authentication process performs authentication by using a method of encrypting a digital certificate with a code. A digital certificate is inserted into the device to be paid, in this embodiment, the digital certificate is a usb key device, and authentication is performed by inputting a preset password matched with the digital certificate.
In step S12, it is determined whether the input password is correct.
When a digital certificate is inserted into the device to be paid, a corresponding password is then entered. The background of the device to be paid judges whether the password is changed correctly.
And step S13, if the password is not correct, terminating the payment authentication.
And step S14, if the password is correct, entering a face verification process.
If the input password is correct after the judgment of the device to be paid, entering a face verification process, wherein the face verification process needs the cooperation of a payment authentication device, and in the step, the authenticator can also press a button arranged on the payment authentication device to turn on a voice acquisition device which is used for playing voice prompt to help the authenticator correct the face posture in the face verification process.
In an embodiment, a specific implementation of the authentication procedure is specifically described. Please refer to fig. 3, which is a second sub-flowchart of step S1 in fig. 1.
And step S101, inputting a mobile terminal communication number in the device to be paid.
In this embodiment, the authentication process performs authentication in a manner of adding an information code to a communication number of the mobile terminal. The authenticator inputs a preset mobile terminal communication number in the device to be paid. In this embodiment, the mobile terminal communication number holder may be the mobile terminal communication number of the person responsible for payment authentication or may be the mobile terminal communication number of another person qualified for payment authentication.
And step S102, judging whether the mobile terminal communication number is correct or not.
And step S103, if the mobile terminal communication number is incorrect, terminating the payment authentication and feeding back the payment authentication state to the mobile terminal.
If the mobile terminal communication number input through the background judgment of the device to be paid does not correspond to the preset mobile terminal communication number, the device to be paid terminates payment authentication, and the background of the device to be paid feeds back the payment authentication state to a certain preset mobile terminal communication number through an operator. After the terminal holder knows the fact, corresponding countermeasures are taken, and payment safety is guaranteed.
And step S104, if the mobile terminal communication number is correct, the mobile terminal receives the random information code.
And if the mobile terminal communication number input through the background judgment of the device to be paid corresponds to the preset mobile terminal communication number, the device to be paid sends an information code to the corresponding mobile terminal communication number through an operator.
And step S105, inputting an information code in the device to be paid, and entering a face verification process.
In an embodiment, a specific implementation of the authentication procedure is specifically described. Please refer to fig. 4, which is a third sub-flowchart of step S1 in fig. 1.
In step S111, the authenticator reads preset information.
In this embodiment, the identity authentication is performed by a verification method of voice information, in this embodiment, several characters may appear on the device to be paid, the characters are pre-stored in the device to be paid, the authenticator reads out the characters appearing on the device to be paid, and the payment authentication device collects the voice information read out by the authenticator.
In step S112, it is determined whether or not the speech information of the preset information read by the authenticator is correct.
The payment authentication device collects the voice information read by the authenticator and compares the voice information with the voice information of the setting person stored in the payment authentication device, wherein the voice information comprises the tone and the tone.
Step S113, if the voice message is not correct, the payment authentication is terminated.
If the voice information read by the authenticator does not correspond to the voice information of the setting person stored in the payment authentication device after the comparison by the payment authentication device, the payment authentication is terminated.
And step S114, if the voice information is correct, entering a face verification process.
The above three embodiments describe specific operation steps of the authentication process, and after the operation of the authentication process is completed, the authentication does not pass the payment authentication. And the identity authentication passes the face authentication process. Please refer to fig. 5, which is a sub-flowchart of step S4 in fig. 1.
Step S401, collecting a human face visible light image and collecting a human face infrared image.
The method comprises the steps of collecting a face visible light image and a face infrared image of an authenticator by using a payment authentication device arranged in a device to be paid or arranged near the device to be paid, wherein a visible light image collecting device of the payment authentication device collects the face visible light image, and an infrared image collecting device collects the face infrared image. The authenticator can press the button in the acquisition process, the voice acquisition device is turned on, and the voice acquisition device is used for playing voice prompt, correcting the face posture of the authenticator and ensuring that the authenticator does not wear a cap or has long hair to cover the face.
Step S402, judging whether the information of the collected human face visible light image and the human face infrared image corresponds to the preset human face information.
The face information base in the payment authentication device is pre-stored with face information with payment authentication qualification. And comparing the collected information of the visible light image and the infrared image of the face of the authenticator with the prestored information of the face with payment authentication qualification.
Step S403, if the collected information of the visible light image and the infrared image of the human face corresponds to the preset information of the human face, feeding back the information that the human face passes the verification.
And if the information of the visible light image and the infrared image of the face of the authenticator completely corresponds to the pre-stored information of the face with payment authentication qualification, the payment authentication device feeds back face authentication passing information to the equipment to be paid.
And S404, otherwise, entering a flow supplement process after face verification.
And if the information of the visible light image and the infrared image of the face of the authenticator does not completely correspond to the information of the face with the payment authentication qualification, entering a flow of supplementing after the face verification.
Step S405, whether to enter the face verification process again is selected.
In this step, the authenticator can choose whether to enter the face verification process again. Meanwhile, the voice acquisition device can also play the matters to be noticed in the face verification process, including the visual acquisition device, and a glasses cap and the like can not be worn.
Step S406, if the user does not enter the face verification process again, the payment authentication is terminated.
And step S407, if the user chooses to enter the face verification process again, acquiring the visible light image of the face again, and acquiring the infrared image of the face again.
Step S408, judging whether the information of the human face visible light image and the human face infrared image collected again corresponds to the preset human face information.
And step S409, otherwise, terminating the payment authentication.
And if the information of the face visible light image and the face infrared image of the authenticator collected again does not completely correspond to the preset information of the face with payment authentication qualification, the payment authentication device feeds back face authentication failure information to the equipment to be paid, and the payment authentication is terminated.
And step S410, if the information of the visible light image of the human face and the information of the infrared image of the human face which are collected again correspond to the preset information of the human face, feeding back the information that the human face passes the verification.
And if the information of the face visible light image and the face infrared image of the authenticator which are collected again corresponds to the preset face information with payment authentication qualification, the payment authentication device feeds back face authentication passing information to the equipment to be paid.
The invention also provides a payment authentication device. Please refer to fig. 6, which is a schematic structural diagram of a payment authentication apparatus according to an embodiment of the present invention.
The payment authentication apparatus 1 includes: a fixed frame 2, a collecting device 3 and a processing unit. The fixing frame 2 is used for bearing the collecting device 3, and the collecting device 3 is fixed on the device to be paid or fixed on the periphery of the device to be paid, so that the collecting device 3 can collect authenticator information conveniently. The acquisition device 3 is provided with an image acquisition device which comprises a visible light image acquisition device 6 and an infrared image acquisition device 7. The visible light image acquisition device 6 is used for acquiring a face visible light image of the authenticator, and the infrared image acquisition device 7 is used for acquiring a face infrared image of the authenticator. When the infrared image of the face of the authenticator is collected, the infrared light supplement lamp 8 arranged near the infrared image collection device 7 is turned on to help the infrared image collection device 7 to collect the infrared image of the face of the authenticator. The processing unit is used for judging whether the verification information of the authenticator is correct or not and feeding back the judgment result to the device to be paid or guiding the authenticator to carry out the next operation.
The acquisition device 3 further comprises a voice acquisition device 4, a face information base unit and a voice information unit. The voice acquisition device 4 is turned on or off through a button 5 arranged on the acquisition device 3, and the voice acquisition device 4 is used for playing voice prompt and acquiring voice information of the authenticator. The face information base unit is used for storing the visible light image and the infrared image of the face of the person with payment authentication qualification. The voice information unit is used for storing voice information of people with payment authentication qualification. Wherein the voice message includes the tone, etc. of the voice message of the person qualified for payment authentication.
The fixing frame 2 comprises a flexible connecting part 9, the flexible connecting part 9 is fixedly connected with the acquisition device 3, and the flexible connecting part 9 is used for adjusting the angle of the acquisition device 3 so that the acquisition device 3 can better acquire the information of the authenticator.
The payment authentication apparatus 1 may be fixed near the device to be paid by the fixing bracket 2, or the payment authentication apparatus 1 may be provided in the device to be paid. When the payment authentication apparatus 1 is disposed in the device to be paid, the payment authentication apparatus 1 only includes the collection apparatus 3, and the fixing frame 2 for carrying the collection apparatus 3 may be omitted.
In one embodiment, the payment authentication apparatus 1 is fixed on the device to be paid through the fixing frame 2, and communication is established between the device to be paid and the payment authentication apparatus 1. And the device to be paid guides the authenticator to enter a face verification process. The visible light image acquisition device 6 acquires a face visible light image of the authenticator, the infrared image acquisition device 7 acquires a face infrared image of the authenticator, the processing unit compares the face visible light image and the face infrared image of the authenticator with face information of a person with payment authentication qualification stored in the face information base unit, and feeds back a comparison result to the device to be paid or guides the authenticator to enter a face verification post-compensation process, and the device to be paid completes payment according to the fed back face verification pass information of the authenticator.
In one embodiment, the processing unit, the face information base unit and the voice information unit in the plurality of payment authentication apparatuses 1 may be integrated in the same apparatus to provide remote services for the plurality of payment authentication apparatuses 1.
The payment authentication method and the device ensure the safety of payment authentication by double authentication including identity authentication and face authentication on the equipment to be paid, wherein the face authentication can effectively acquire authentication information of an authenticator by using the payment authentication device, the authentication information comprises a face visible light image and a face infrared image of the authenticator, whether the face authentication information is correct is judged, the judgment result is fed back to the equipment to be paid, and payment is finished or the payment authentication is terminated. The payment authentication method and the device can ensure the security of payment authentication and can effectively solve sudden payment authentication events.
The above description is only a part of the embodiments of the present invention, and not intended to limit the scope of the present invention, and all equivalent devices or equivalent processes performed by the present invention through the contents of the specification and the drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A payment authentication method, comprising:
entering an identity verification process;
judging whether the identity authentication is passed or not;
if the identity verification is not passed, terminating the payment authentication;
if the identity authentication is passed, entering a face authentication process;
judging whether the face verification passes;
if the face verification fails, entering a face verification post-complementing process;
if the face verification passes, feeding back the face verification passing information;
and completing payment according to the face verification passing information.
2. The payment authentication method as claimed in claim 1, wherein the authentication process comprises:
inserting a digital certificate into the device to be paid and inputting a preset password;
judging whether the input password is correct or not;
if the password is correct, entering the face verification process;
and if the password is incorrect, terminating the payment authentication.
3. The payment authentication method as claimed in claim 2, wherein the face verification process comprises:
collecting a visible light image of a human face, and collecting an infrared image of the human face;
judging whether the collected information of the human face visible light image and the human face infrared image corresponds to the preset information of the human face;
if the collected information of the human face visible light image and the human face infrared image corresponds to the preset human face information, feeding back the human face verification passing information;
otherwise, entering a supplementary flow after the face verification;
selecting whether to enter the face verification process again;
if the user does not enter the face verification process again, terminating the payment authentication;
if the human face verification process is selected to enter again, the human face visible light image is collected again, and the human face infrared image is collected again;
judging whether the information of the human face visible light image and the human face infrared image which are collected again corresponds to the preset human face information;
if the information of the human face visible light image and the human face infrared image which are collected again corresponds to the preset human face information, the human face verification passing information is fed back;
otherwise, terminating the payment authentication.
4. The payment authentication method as claimed in claim 3, wherein the preset human face visible light image is pre-stored in a human face information base.
5. The payment authentication method as claimed in claim 1, wherein the authentication process comprises:
inputting a mobile terminal communication number in the equipment to be paid;
judging whether the communication number of the mobile terminal is correct or not;
if the mobile terminal communication number is correct, the mobile terminal receives a random information code;
inputting the information code into the equipment to be paid, and entering the face verification process;
if the mobile terminal communication number is incorrect, the payment authentication is terminated, and the payment authentication state is fed back to the mobile terminal.
6. The payment authentication method as claimed in claim 1, wherein the authentication process comprises:
the authenticator reads preset information;
judging whether the voice information of the preset information read by the authenticator is correct or not;
if the voice information is correct, entering the face verification process;
and if the voice information is incorrect, terminating the payment authentication.
7. A payment authentication apparatus, comprising:
the fixing frame is used for bearing the acquisition device and fixing the acquisition device on the equipment to be paid or on the periphery of the equipment to be paid;
the acquisition device is provided with an image acquisition device and is used for acquiring verification information of an authenticator;
and the processing unit is used for judging whether the verification information of the authenticator is correct or not and feeding back the judgment result to the device to be paid.
8. The payment authentication device of claim 7, wherein the collection means further comprises a voice collection means, a face information library unit and a voice information unit.
9. The payment authentication device of claim 8, wherein the image capture device comprises a visible light image capture device and an infrared image capture device;
the voice acquisition device is opened or closed through a button arranged on the acquisition device, and the voice acquisition device is used for playing voice prompt and acquiring voice information of the authenticator.
10. The payment authentication device of claim 7, wherein the mount comprises a flexible connector for adjusting an angle of the collection device.
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| CN201911077485.3A CN110910142A (en) | 2019-11-06 | 2019-11-06 | Payment authentication method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113888815A (en) * | 2021-09-26 | 2022-01-04 | 温州大学大数据与信息技术研究院 | Face recognition terminal consumption machine and use method thereof |
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