CN202771477U - Payment risk identification system based on biological characteristics - Google Patents
Payment risk identification system based on biological characteristics Download PDFInfo
- Publication number
- CN202771477U CN202771477U CN 201220387811 CN201220387811U CN202771477U CN 202771477 U CN202771477 U CN 202771477U CN 201220387811 CN201220387811 CN 201220387811 CN 201220387811 U CN201220387811 U CN 201220387811U CN 202771477 U CN202771477 U CN 202771477U
- Authority
- CN
- China
- Prior art keywords
- payment
- platform
- originating end
- system based
- secure
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Fee Related
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The utility model provides a payment risk identification system based on biological characteristics, which comprises a payment imitation end and a safety payment platform. The payment imitation end is connected with the safety payment platform through a first communication network and is provided with a biological characteristic acquisition unit. According to the utility model, the safety payment platform judges the similarity between a biological characteristic input through the payment imitation end and a standard biological characteristic stored in a feature library. Only when the above two biological characteristics are mismatched obviously, the safety payment platform considers the current transaction as a risky transaction and then takes corresponding measures. Therefore, the internet payment risk is effectively reduced, while the enthusiasm of people in internet transactions is also improved at the same time.
Description
Technical field
The utility model belongs to network communications technology field, is specifically related to a kind of system based on the living things feature recognition payment risk.
Background technology
Along with the popularization of internet with popularize, online payment becomes the new model that people are engaged in economic life gradually owing to having convenient, fast and efficient advantage.
But because the opening of network, people are when carrying out network payment, because there is the stolen situation of payment accounts and payment cipher in virus or hacker's existence, thereby is account holder economic loss.At present, the safety problem of network payment has become the key factor of restriction network trading, how to reduce the risk of network payment, for standard network payment market, improves people and selects the enthusiasm of online transaction significant.
The utility model content
For the defective that prior art exists, the utility model provides a kind of system based on the living things feature recognition payment risk, can effectively reduce the network payment risk, improves the enthusiasm that online transaction is carried out in people's selection.
The technical solution adopted in the utility model is as follows:
The utility model provides a kind of system based on the living things feature recognition payment risk, comprising: payment originating end and secure payment platform; Described payment originating end is connected with described secure payment platform by the first communication network; Described payment originating end is equipped with physical characteristics collecting equipment.
Preferably, described payment originating end comprises computing machine and/or mobile phone and/or panel computer.
Preferably, described the first communication network comprises mobile communications network and/or internet and/or fixed telephone network.
Preferably, described physical characteristics collecting equipment comprises that fingerprint collecting equipment and/or palmmprint collecting device and/or iris capturing equipment and/or face are as collecting device and/or person's handwriting collecting device and/or sound collection equipment.
Preferably, also comprise: the payment receiving end; Described payment receiving end and described secure payment platform are by the second communication network connection; And/or also comprise: warning device, described warning device is connected with described secure payment platform.
The utility model also provides a kind of method based on the living things feature recognition payment risk of using above-mentioned system based on the living things feature recognition payment risk, may further comprise the steps:
S1, described secure payment platform receive the payment request that described payment originating end is initiated; Carry payment accounts in the described payment request;
S2, described secure payment platform judges in the described payment request whether carry the primeval life characteristic information; If the determination result is NO, then carry out S3; If judged result is yes, then carry out S4;
S3, described secure payment platform sends the primeval life feature to described payment originating end and obtains order, and judges whether to receive in the setting-up time interval the described primeval life characteristic information that described payment originating end is uploaded; If judged result is yes, then carry out S4; If the determination result is NO, then carry out S9;
S4, described secure payment platform carries out pre-service to described primeval life characteristic information, obtains crucial biological information;
S5, described secure payment platform is searched default feature database, obtains the standard biological characteristic information corresponding with described payment accounts;
S6, described secure payment platform is compared the similarity of described crucial biological information and described standard biological characteristic information, obtains similar value;
S7, described secure payment platform judges whether described similar value is lower than the setting minimal value; If the determination result is NO, then carry out S8; If judged result is yes, then carry out S9;
S8, described secure payment platform draw this payment request and are the conclusion of secure payment request;
S9, described secure payment platform draw this payment request and are the conclusion of risk payment request.
Preferably, described primeval life characteristic information comprises that finger print information and/or palmmprint information and/or iris information and/or face are as information and/or handwriting information and/or acoustic information.
Preferably, among the S1, the payment request that described secure payment platform receives described payment originating end initiation is specially:
Described payment originating end directly sends to described secure payment platform with described payment request, receives described payment request by described secure payment platform; And/or
Described payment originating end sends to the payment receiving end with described payment request, and described payment receiving end is redirected to described secure payment platform with described payment request, receives described payment request by described secure payment platform.
Preferably, S3, described secure payment platform also comprises after described payment originating end transmission primeval life feature is obtained order:
Described payment originating end obtains described primeval life characteristic information;
Described payment originating end described primeval life characteristic information is encrypted and/or compress after be transferred to described secure payment platform;
After described secure payment platform receives described primeval life characteristic information, at first the described primeval life characteristic information that receives is decrypted and/or decompression operation.
Preferably, after the S8, also comprise:
Described secure payment platform sends this payment to described payment receiving end and is the notification message of secure payment;
Described payment receiving end is after receiving described notification message, by this payment transaction of arm's length transaction flow processing; And/or after the S9, also comprise: described secure payment platform sends this payment to described payment receiving end and is the warning information of risk payment; And/or described secure payment platform sends enforces authentication information to described payment originating end.
The beneficial effects of the utility model are as follows:
The system and method based on the living things feature recognition payment risk that the utility model provides, the secure payment platform is judged the similarity of the standard biological feature of storing in the biological characteristic of payment originating end input and the feature database, only have when the two does not obviously mate, think that just this payment transaction is risk trade, and take corresponding measure, when effectively reducing the network payment risk, also improved the enthusiasm that online transaction is carried out in people's selection.
Description of drawings
The structural representation based on the system of living things feature recognition payment risk that Fig. 1 provides for the utility model;
The schematic flow sheet based on the method for living things feature recognition payment risk that Fig. 2 provides for the utility model.
Embodiment
Below in conjunction with accompanying drawing the system and method based on the living things feature recognition payment risk that the utility model provides is described in detail:
As shown in Figure 1, the system based on the living things feature recognition payment risk that the utility model provides comprises: payment originating end and secure payment platform; Described payment originating end is connected with described secure payment platform by the first communication network; Described payment originating end is equipped with physical characteristics collecting equipment.Wherein, the payment originating end can be the terminal devices such as computing machine, mobile phone or panel computer.Physical characteristics collecting equipment is used for gathering the different kind organism characteristic information, comprises that fingerprint collecting equipment and/or palmmprint collecting device and/or iris capturing equipment and/or face are as collecting device and/or person's handwriting collecting device and/or sound collection equipment.The first communication network is used for the communication between payment originating end and the secure payment platform, includes but not limited to mobile communications network, internet or fixed telephone network.In addition, the secure payment platform also is connected with warning device, and concrete type of alarm can be reported to the police or the SMS alarm mode for audible alarm, light.In addition, the system based on the living things feature recognition payment risk that the utility model provides also comprises: the payment receiving end; Described payment receiving end and described secure payment platform are by the second communication network connection.
Use said system, the method based on the living things feature recognition payment risk that the utility model provides as shown in Figure 2, may further comprise the steps:
S1, described secure payment platform receive the payment request that described payment originating end is initiated; Carry payment accounts in the described payment request;
Need to prove, in the prior art, there is various modes in the network architecture that online payment is adopted, for example: pay or pay by third party's payment company by Web bank.Only take Web bank's payment as example, the secure payment platform that introducing the utility model provides receives the implementation of the payment request of payment originating end initiation.
Existing Web bank payment flow is:
A1, the payment originating end sends payment request information to the bank paying gateway, and wherein, this payment request information carries the payment informations such as payment and trade company's account;
A2, bank returns the payment affirmation page after audit;
A3, the payment originating end is in payment affirmation information such as payment affirmation page input bank's card number and payment ciphers;
A4, the payment originating end returns to the bank paying gateway with this payment affirmation information;
A5, bank verify the payment affirmation information that receives, if success then sends the successful notification message of payment to the payment originating end.
In the utility model, the payment request that the payment originating end is initiated can be the payment request information among the A1, also can be the payment affirmation information among the A4.If be the payment request information among the A1, then this payment request information can arrive the secure payment platform by direct transmission or the mode that indirectly transmits; Concrete, direct transmission mode is: the payment originating end at first sends to the secure payment platform with payment request information, only when the secure payment platform is confirmed this payment request for the secure payment request, just this payment request information can be transmitted to the bank paying gateway, then have the subsequent step of Web bank's payment flow now.Load mode is indirectly: the payment originating end can at first send to payment request information the bank paying gateway, then the bank paying gateway is redirected to the secure payment platform with this payment request information, carry out risk assessment by the secure payment platform, only have after the bank paying gateway receives the evaluation of safety of payment of secure payment platform feedback, just continue to have now the subsequent step of Web bank's payment flow.If when the current payment request that the payment originating end is initiated was payment affirmation information among the A4, the processing mode of taking was similar with above-mentioned direct processing mode or indirect processing mode, does not repeat them here.
Therefore, in the utility model, the concrete form of the payment request that sends to the secure payment platform is not limited, simultaneously, do not limit for the concrete stage that this payment request is in online payment yet.On the net any stage of transaction, all can pass through the secure payment platform and pay communicating by letter of originating end, the risk of identification online transaction, the security of raising online transaction.
S2, described secure payment platform judges in the described payment request whether carry the primeval life characteristic information; If the determination result is NO, then carry out S3; If judged result is yes, then carry out S4;
Wherein, the primeval life characteristic information is mainly used in identifying the payment originating end and whether has legal authority, thereby the account of avoiding the hacker to usurp other users is carried out the situation generation of delivery operation.In the utility model, the kind of primeval life characteristic information can be for a kind of, for example: only be fingerprint collecting and identification; Also can be several combinations, for example: gather simultaneously finger print information and iris information, then reach the purpose of identification payment risk by common analysis finger print information and iris information.In the utility model, the kind of primeval life characteristic information includes but not limited to that finger print information and/or palmmprint information and/or iris information and/or face are as information and/or handwriting information and/or acoustic information.
S3, described secure payment platform sends the primeval life feature to described payment originating end and obtains order, and judges whether to receive in the setting-up time interval the described primeval life characteristic information that described payment originating end is uploaded; If judged result is yes, then carry out S4; If the determination result is NO, then carry out S9;
Be further to improve the method security based on the living things feature recognition payment risk that the utility model provides, the primeval life characteristic information that the payment originating end sends to the secure payment platform is preferably and adopts distinctive cipher mode to be encrypted.And for improving network transfer speeds, the primeval life characteristic information that the payment originating end sends to the secure payment platform is preferably the compressed package form.Specifically comprise following form: described payment originating end obtains described primeval life characteristic information; Described payment originating end described primeval life characteristic information is encrypted and/or compress after be transferred to described secure payment platform; After described secure payment platform receives described primeval life characteristic information, at first the described primeval life characteristic information that receives is decrypted and/or decompression operation.
S4, described secure payment platform carries out pre-service to described primeval life characteristic information, obtains crucial biological information;
S5, described secure payment platform is searched default feature database, obtains the standard biological characteristic information corresponding with described payment accounts;
S6, described secure payment platform is compared the similarity of described crucial biological information and described standard biological characteristic information, obtains similar value;
S7, described secure payment platform judges whether described similar value is lower than the setting minimal value; If the determination result is NO, then carry out S8; If judged result is yes, then carry out S9;
In this step, only have when similar value is lower than the setting minimal value, for example: similar value is lower than 30%, that is to say, only have when the crucial biological information that collect obviously and the standard biological characteristic information not simultaneously, think that just this payment request is risk payment request, claims this kind judgment mode to judge for the two diversity.Rather than when similar value was higher than setting maximum value, for example: similar value was higher than 98%, thought that just this payment request is the secure payment request, claimed that this kind judgment mode is that the two homogeny is judged.In the utility model, take that the two diversity judges former because: the secure payment platform is in the process of judging the two similarity, the process of carrying out the two diversity judgement is simpler than the two homogeny deterministic process, and the two diversity is judged more using value in actual applications.Concrete; because the effects such as interference of the restriction of acquisition precision and the image background look that collects; if judge the two homogeny; then usually can draw the two similar value lower; thereby need to further take other enforces authentication methods; that is to say, homogeny is judged usually to be needed in conjunction with other verification modes, thereby has limited the independent using value that homogeny is judged.And if adopt the two diversity judgment mode, then deterministic process is very easy to, and in the utility model, only has when the two does not obviously mate, and thinks that just this payment transaction is risk trade, has the simple advantage of diversity deterministic process.
S8, described secure payment platform draw this payment request and are the conclusion of secure payment request;
Draw the conclusion of secure payment when the secure payment platform after, can take appropriate measures: for example: send this payment to the payment receiving end and be the notification message of secure payment; After the payment receiving end receives this notification message, by this payment transaction of arm's length transaction flow processing.
S9, described secure payment platform draw this payment request and are the conclusion of risk payment request.
Draw the conclusion of risk payment when the secure payment platform after, can take appropriate measures: for example: send this payment to the payment receiving end and be the warning information of risk payment; Or, send other enforces authentication information to the payment originating end, only after the payment originating end passes through other further enforces authentication, just allow the payment originating end to pay, otherwise, the payment behavior that the refusal to pay originating end is initiated.
In sum, the system and method based on the living things feature recognition payment risk that the utility model provides, the secure payment platform is judged the similarity of the standard biological feature of storing in the biological characteristic of payment originating end input and the feature database, only have when the two does not obviously mate, think that just this payment transaction is risk trade, and take corresponding measure, when effectively reducing the network payment risk, also improved the enthusiasm that online transaction is carried out in people's selection.
The above only is preferred implementation of the present utility model; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the utility model principle; can also make some improvements and modifications, these improvements and modifications also should be looked protection domain of the present utility model.
Claims (5)
1. the system based on the living things feature recognition payment risk is characterized in that, comprising: payment originating end and secure payment platform; Described payment originating end is connected with described secure payment platform by the first communication network; Described payment originating end is equipped with physical characteristics collecting equipment.
2. the system based on the living things feature recognition payment risk according to claim 1 is characterized in that, described payment originating end comprises computing machine and/or mobile phone and/or panel computer.
3. the system based on the living things feature recognition payment risk according to claim 1 is characterized in that, described the first communication network comprises mobile communications network and/or internet and/or fixed telephone network.
4. the system based on the living things feature recognition payment risk according to claim 1, it is characterized in that, described physical characteristics collecting equipment comprises that fingerprint collecting equipment and/or palmmprint collecting device and/or iris capturing equipment and/or face are as collecting device and/or person's handwriting collecting device and/or sound collection equipment.
5. the system based on the living things feature recognition payment risk according to claim 4 is characterized in that, also comprises: the payment receiving end; Described payment receiving end and described secure payment platform are by the second communication network connection; And/or also comprise: warning device, described warning device is connected with described secure payment platform.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220387811 CN202771477U (en) | 2012-08-06 | 2012-08-06 | Payment risk identification system based on biological characteristics |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220387811 CN202771477U (en) | 2012-08-06 | 2012-08-06 | Payment risk identification system based on biological characteristics |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN202771477U true CN202771477U (en) | 2013-03-06 |
Family
ID=47778036
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201220387811 Expired - Fee Related CN202771477U (en) | 2012-08-06 | 2012-08-06 | Payment risk identification system based on biological characteristics |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN202771477U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103778537A (en) * | 2014-03-02 | 2014-05-07 | 郭沁谊 | Mobile terminal payment system having iris identification mechanism and application method thereof |
| WO2015062335A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Methods and systems for making secure online payments |
| CN107016473A (en) * | 2016-01-27 | 2017-08-04 | 阿里巴巴集团控股有限公司 | A kind of risk control method and equipment |
-
2012
- 2012-08-06 CN CN 201220387811 patent/CN202771477U/en not_active Expired - Fee Related
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015062335A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Methods and systems for making secure online payments |
| CN103778537A (en) * | 2014-03-02 | 2014-05-07 | 郭沁谊 | Mobile terminal payment system having iris identification mechanism and application method thereof |
| CN107016473A (en) * | 2016-01-27 | 2017-08-04 | 阿里巴巴集团控股有限公司 | A kind of risk control method and equipment |
| US10789592B2 (en) | 2016-01-27 | 2020-09-29 | Alibaba Group Holding Limited | Transaction confirmation based on user attributes |
| US10977648B2 (en) | 2016-01-27 | 2021-04-13 | Alibaba Group Holding Limited | Transaction confirmation based on user attributes |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102760262A (en) | System and method based on biometrics identification payment risks | |
| CN201639634U (en) | Mobile phone with various biometric functions | |
| CN106296199A (en) | Payment based on living things feature recognition and identity authorization system | |
| CN201167364Y (en) | Mobile terminal with identification verification function | |
| CN203102365U (en) | Terminal and authentication apparatus | |
| CN107800725A (en) | A kind of digital certificate remote online managing device and method | |
| WO2018094584A1 (en) | Payment and identity authentication system based on biometric feature recognition | |
| CN103116844A (en) | Near field communication payment method authenticated by both sides of deal | |
| CN103258270A (en) | Bank paying method and device | |
| CN201629767U (en) | Portable bank teller terminal and system | |
| CN104715371A (en) | Safe payment method adopting voiceprint to identify identity and corresponding system | |
| CN103024706A (en) | Short message based device and short message based method for bidirectional multiple-factor dynamic identity authentication | |
| CN101964090A (en) | Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards | |
| CN106447331A (en) | Fingerprint payment card and system and payment method | |
| CN104079413A (en) | Enhancement type one-time dynamic password authentication method and system | |
| CN104346727A (en) | Handset authentication payment system and method based on human natural characteristic matching | |
| CN203102459U (en) | Handset iris identification bank electronic payment system | |
| CN105635113A (en) | SDK-based remote service processing method and system | |
| CN202771477U (en) | Payment risk identification system based on biological characteristics | |
| CN104809614A (en) | Network and biological feature-based identity recognition and payment device and implementation method thereof | |
| CN107548059A (en) | A kind of authentication method and system | |
| CN105719130B (en) | Payment verification method, device and system | |
| CN103258158A (en) | Fingerprint authentication electronic commerce scrambler | |
| CN202221590U (en) | Mobile phone payment safety protection device | |
| CN108520418A (en) | A kind of mobile interchange payment risk control method and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20130306 Termination date: 20150806 |
|
| EXPY | Termination of patent right or utility model |