RU2796267C1 - Method, device and system for data processing - Google Patents

Abstract

FIELD: method; device; system for data processing.

SUBSTANCE: proposed method provides for obtaining target biometric information and password information for verifying the target object transmitted by the server of the serving bank, recognizing the registered biometric information that matches the target biometric information in the registered biometric information about a plurality of objects, determining the target information about the account status of the target object based on the registered biometric information and transmitting a data processing request to the bank card issuer server corresponding to the target account information, wherein the data processing request includes the target account status information and password information for verification, whereby the bank card issuer server performs verification using password information for verification and performs data processing based on target information about the account status after verification.

EFFECT: increase of the level of security and accuracy of data processing.

17 cl, 10 dwg

Description

Link to related applications

[0001] This patent application claims priority from Chinese Patent Application No. 201911419394.3 entitled "Method, Apparatus and System for Data Processing" filed with the National Intellectual Property Administration of China on December 31, 2019, the contents of which are incorporated herein by reference in their entirety.

The field of technology to which the present invention relates

[0002] The present invention relates to the technical field of data processing, in particular, to a method, apparatus and system for data processing.

Background of the Invention

[0003] In the field of artificial intelligence, in recent years, biometric recognition technologies have become part of our daily lives. Facial recognition technology has special advantages in recognition speed, high accuracy, availability of the equipment used for understanding and other advantages of this kind, and therefore it is gradually becoming a leader in the field of biometric data recognition. The use and development of deep learning technology can significantly increase the percentage of successful face recognition attempts. Taking 1:N face recognition as an example (N is 500), with one ten-thousandth of the probability of recognition error, the success rate of face recognition attempts can reach over 98.3%, which corresponds to the level of applications for the financial industry. Based on this, companies that manage payments in favor of third parties, the banking sector and other structures began to use the facial recognition system at payment points, for cash withdrawals, etc.

[0004] Currently, recognition of biometric data is usually performed in a 1:1 comparison mode. For example, when the user makes any payment, the receiving terminal can obtain the user's face and mobile phone number; find information about the person entered by the user during registration through the mobile phone number; perform verification by comparing the information about the user's face received at a given time with the information about the person entered by the user during registration; and determine whether this is the same person or not, after which payment can be made using the user's bank card linked to a specific bank, if the verification was successful.

[0005] It follows from this that there is a need for further improvement in security and accuracy if, in the process of biometric recognition of the prior art, verification of the identity of the user is performed only on biometric data.

Brief summary of the present invention

[0006] The present invention provides a method, apparatus and system for data processing in order to improve the safety and accuracy of the data processing process.

[0007] According to a first aspect of the present invention, a data processing method is provided, comprising:

obtaining target biometric information and password information for verification of the target object transmitted by the server of the serving bank;

recognizing matching registered biometric information matching the target biometric information in the registered biometric information of the plurality of objects, wherein the registered biometric information of any of the objects and the registered account status information of any such object is stored associatively;

determining target account information of the target based on the matched registered biometric information; And

transmitting the data processing request to the bank card issuer server corresponding to the target account information, wherein the data processing request includes the target account status information and password information for verification, whereby the bank card issuer server performs verification using the password information for verification and performs data processing based on target information about the account status after verification.

[0008] In one of the optional embodiments of the present invention, recognizing consistent registered biometric information that matches the target biometric information in registered biometric information about a plurality of objects includes:

determining the partition biometric information in the registered biometric information of the plurality of objects, the partition biometric information being the registered biometric information stored in association with the verification password information;

determining a main recognition algorithm and an auxiliary recognition algorithm corresponding to the password information for verification;

recognizing matching registered biometric information matching the target biometric information in the partition biometric information corresponding to the verification password information using the main recognition algorithm; And

verification of the recognition result by the main recognition algorithm using an auxiliary recognition algorithm.

[0009] In one of the optional embodiments of the present invention, recognizing matching registered biometric information that matches the target biometric information in the partition biometric information includes:

comparing the amount of biometric information of the partition with a threshold value;

recognizing matching registered biometric information matching the target biometric information in the partition biometric information when the amount of information is less than a threshold value; And

selecting the sub-section biometric information in the sub-section biometric information using an algorithm when the amount of information is greater than or equal to a threshold value, and recognizing a matching registered biometric information matching the target biometric information in the sub-section biometric information.

[0010] In one of the optional embodiments of the present invention, after determining the biometric information of the section in the registered biometric information about a plurality of objects, the proposed method further provides:

transmitting a recognition failure response to the terminal via the serving bank server if the matching registered biometric information matching the target biometric information could not be recognized, whereby the terminal displays a reminder to input recognition assistance information;

receiving the recognition assistance information transmitted by the serving bank server, wherein the recognition assistance information is transmitted by the terminal to the serving bank server upon execution of the corresponding operation by the user;

determining the registered biometric information corresponding to the recognition assistance information in the subsection biometric information; And

recognizing matching registered biometric information matching the target biometric information in the registered biometric information corresponding to the recognition assistance information.

[0011] In one of the optional embodiments of the present invention, it is provided that before transmitting a data processing request to the server of the bank card issuer corresponding to the target account information, the proposed method further provides:

transmitting target account information to the terminal via the serving bank server, so that the terminal sends a processing request to the serving bank server, the processing request including target account information and password information for verification; And

receiving a request for data processing sent by the server of the serving bank.

[0012] In one of the optional embodiments of the present invention, before obtaining the target biometric information and password information for verifying the target, the proposed method further provides:

obtaining the registered account information, the registered biometric information, and the routing index information of the target entity, the routing index information being generated by operating the verification password information using an irreversible algorithm;

performing salt encryption method data processing on the routing index information; And

storing encrypted routing index information, registered biometric information, and registered target object account status information in an associative manner.

[0013] In one optional embodiment of the present invention, associatively storing encrypted routing index information, registered biometric information, and registered target account information information associatively includes:

performing data processing by the tokenization method with respect to the registered information about the state of the account of the target object in order to obtain information about the token ^d of the target object; And

storing encrypted routing index information, registered biometric information, and TOKeHed information of the target object in an associative manner.

[0014] Determination of target information about the state of the account of the target includes:

determining information about the token ^d corresponding to the target biometric information; And

converting information about the token ^d , corresponding to the target biometric information, into information about the token1.

[0015] After determining the target information about the state of the account of the target object, the proposed method further provides:

transferring information about the token ^t to the terminal.

[0016] In one of the optional embodiments of the present invention, the biometric information includes one or more of the following types of information:

face information, fingerprint information, voice pattern information, iris information, palm print information, finger vein pattern information, or palm vein pattern information.

[0017] According to a second aspect of the present invention, a data processing apparatus is further provided, including:

a transceiver element configured to receive the target biometric information and password information for verifying the target object transmitted by the serving bank server;

a recognition element configured to recognize matching registered biometric information matching the target biometric information in the registered biometric information of the plurality of objects, wherein the registered biometric information of any of the objects and the registered account status information of such any object is stored associatively; And

a determination element configured to determine the target account status information of the target based on the matched recognized registered biometric information.

[0018] The transceiver element is further configured to send a data processing request to the bank card issuer server corresponding to the target account information, wherein the data processing request includes the target account status information and password information for verification, whereby the issuer server bank card performs verification using the password information for verification and performs data processing based on the target information about the state of the account after passing the verification.

[0019] In one of the optional embodiments of the present invention, the recognition element is configured to:

determining a partition biometric information in the registered biometric information of the plurality of objects, the partition biometric information being the registered biometric information stored in association with the verification password information;

determining a main recognition algorithm and an auxiliary recognition algorithm corresponding to the password information for verification;

recognizing matching registered biometric information matching the target biometric information in the partition biometric information corresponding to the verification password information using the main recognition algorithm; And

verification of the recognition result by the main recognition algorithm using an auxiliary recognition algorithm.

[0020] In one of the optional embodiments of the present invention, the recognition element is configured to:

comparing the amount of biometric information of the partition with a threshold value;

recognizing matching registered biometric information matching the target biometric information in the partition biometric information when the amount of information is less than a threshold value; And

selecting the sub-section biometric information in the sub-section biometric information using an algorithm when the amount of information is greater than or equal to a threshold value, and recognizing a matching registered biometric information matching the target biometric information in the sub-section biometric information.

[0021] In one of the optional embodiments of the present invention, the transceiver element is further configured to send a recognition failure response to the terminal via the serving bank server if it fails to recognize the matching registered biometric information matching the target biometric information, whereby a reminder is displayed on the terminal about the need to enter auxiliary information for recognition; and receiving the recognition assistance information transmitted by the serving bank server, wherein the recognition assistance information is transmitted by the terminal to the serving bank server upon execution of the corresponding operation by the user.

[0022] The recognition element is further configured to determine the registered biometric information corresponding to the recognition assistance information in the subsection biometric information; and recognizing the matching registered biometric information matching the target biometric information in the registered biometric information corresponding to the recognition assistance information.

[0023] In one optional embodiment of the present invention, the transceiver element is further configured to:

transmitting target account information to the terminal via the serving bank server, so that the terminal sends a processing request to the serving bank server, the processing request including target account information and password information for verification; And

receiving a request for data processing transmitted by the server of the serving bank.

[0024] In one of the optional embodiments of the present invention, the proposed device includes a registration element that is configured to:

obtaining the registered account information, the registered biometric information, and the target routing index information, the routing index information being generated by operating the verification password information using an irreversible algorithm;

performing salt encryption method data processing on the routing index information; And

storing encrypted routing index information, registered biometric information, and registered target object account status information in an associative manner.

[0025] In one optional embodiment of the present invention, the registration element is configured to perform tokenization data processing on the registered target account information to obtain target token ^d information; and storing the encrypted routing index information, the registered biometric information, and the target token ^d information in an associative manner.

[0026] The determination element is further configured to determine token information ^d corresponding to the target biometric information; and converting the token information ^d corresponding to the target biometric information into token information1.

[0027] The transceiver element is configured to additionally transmit information about the token ^t to the terminal.

[0028] In one of the optional embodiments of the present invention, the biometric information includes one or more of the following types of information:

face information, fingerprint information, voice pattern information, iris information, palm print information, finger vein pattern information, or palm vein pattern information.

[0029] According to a third aspect of the present invention, an electronic device is further provided, including:

at least one processor; And

a memory communicatively coupled to at least one processor.

[0030] The memory stores instructions configured to be executed by at least one processor, and the instructions are executed by at least one processor so that the method described above can be implemented by at least one processor.

[0031] According to a fourth aspect of the present invention, there is further provided a non-volatile computer-readable storage medium for storing computer instructions, the computer instructions configured to be initiated by a computer to implement the method described above.

[0032] According to a fifth aspect of the present invention, a data processing system is further provided, including a serving bank server, a biometric recognition server, and a bank card issuer server.

[0033] The serving bank server is configured to receive target biometric information and password information for target verification transmitted by the terminal; and transmitting the target biometric information and the password information for verification to the biometric recognition server.

[0034] The biometric data recognition server is configured to receive target biometric information and verification password information transmitted by the serving bank server; recognizing matching registered biometric information matching the target biometric information in the registered biometric information of a plurality of objects, wherein the registered biometric information of any of the objects and the registered account status information of any such object is stored associatively; determining target account information of the target based on the matched registered biometric information; and transmitting a data processing request to the bank card issuer server corresponding to the target account information, the data processing request including the target account status information and verification password information.

[0035] The bank card issuer server is configured to receive a data processing request; and performing verification using the password information for verification, and performing data processing based on the target account information after passing the verification.

[0036] According to the present invention, the serving bank server receives the target biometric information and the verification password information transmitted by the receiving terminal, and then transmits the target biometric information and the verification password information to the biometric recognition server. The biometric recognition server recognizes the matching registered biometric information matching the target biometric information in the stored registered biometric information of the plurality of objects, and determines the target account status information of the target object based on the matching registered biometric information. Then, the biometric data recognition server sends a data processing request to the bank card issuer's server corresponding to the target account information. The data processing request includes target account information and password information for verification. The bank card issuer server performs verification using the verification password information and performs data processing based on the target account information after verification.

[0037] In the solutions presented above, the target biometric information is used to detect the registered biometric information about the target in the registered biometric information about the plurality of objects to further determine the registered information about the account status of the target; and thus the target biometric information actually serves as a route identifier and may play a role in routing the index of the registered account information. In addition, in the process of searching for the registered target account information of the target using the target biometric information, it is necessary to perform a comparison with the registered biometric information about a plurality of objects, as a result of which the technical solutions actually also provide for the verification process of the target biometric information. Moreover, the proposed technical solutions verify the target object using not only the target biometric information, but also the password information for verification, and the password verification and biometric recognition are combined in such a way that the scope is expanded and the data accuracy and security are improved. Moreover, the proposed technical solutions can additionally introduce a data processing security system when establishing interconnections and performing multilateral communication, which helps to realize the multilateral exchange of algorithms and eliminate the isolation of biometric recognition among various mechanisms.

Brief description of the figures

[0038] In order to clarify the technical solutions implemented in the embodiments of the present invention, the following will briefly present the accompanying drawings necessary to describe the embodiments of the claimed invention. It will be appreciated that the drawings in the following description are for the sole purpose of illustrating certain embodiments of the present invention, and that other drawings may be obtained by those skilled in the art from these drawings without any creative effort.

[0039] FIG. 1 shows an architecture diagram of a data processing system according to one embodiment of the present invention.

[0040] In FIG. 2 is a flowchart illustrating a data processing method according to one embodiment of the present invention.

[0041] FIG. 3 schematically shows a multi-algorithm platform according to one embodiment of the present invention.

[0042] FIG. 4 is a schematic diagram showing a process for determining target account information according to one embodiment of the present invention.

[0043] FIG. 5 schematically shows the direction of data flow according to one embodiment of the present invention.

[0044] FIG. 6 is a schematic diagram illustrating the registration procedure according to one embodiment of the present invention.

[0045] FIG. 7 is a schematic diagram illustrating the registration procedure in the first embodiment of the present invention.

[0046] FIG. 8 is a schematic diagram illustrating the payment procedure in the second embodiment of the present invention.

[0047] FIG. 9 is a schematic structure of a data processing apparatus according to one embodiment of the present invention.

[0048] FIG. 10 schematically shows the structure of an electronic device according to one embodiment of the present invention.

Detailed Disclosure of Embodiments of the Present Invention

[0049] In order to clarify the objectives, technical solutions and advantages of the present invention, embodiments thereof will be further described in detail below in connection with the accompanying drawings. Obviously, the described embodiments of the claimed invention are only some, and not all, possible embodiments of the claimed invention. All other variants of its implementation, obtained by specialists in this field of technology on the basis of the presented embodiments of the present invention without the application of their creative efforts, are included in the scope of legal protection of the claimed invention.

[0050] Referring to FIG. 1, which shows the architecture of a data processing system according to one embodiment of the present invention. The data processing system includes a receiving terminal 101, a serving bank system 102, a clearing system 103 (namely, an exchange clearing system), and a card issuing system 104 (namely, a card issuing banking system). The receiving terminal 101 is installed by the serving bank system 102 for the particular merchant involved, and may be a payment terminal (POS terminal), a contact card reader, or the like. The clearing system 103 includes a biometric recognition module that may be integrated into the clearing system server or be a standalone server.

[0051] The serving bank system 102 and/or the clearing system 103 and/or the card issuing system 104 may be a network device/s such as a computer/computers. The serving bank system 102 and/or the clearing system 103 and/or the card issuing system 104 may be a stand-alone device/standalone devices or a server cluster/clusters consisting of multiple servers. In the preferred embodiment, the service bank system 102 and/or the clearing system 103 and/or the card issuing system 104 may perform information processing using cloud computing technology.

[0052] The receiving terminal 101 and the serving bank system 102 and/or the serving bank system 102 and the clearing system 103 and/or the clearing system 103 and the card issuing system 104 are connected to each other via a wired network/networks or via a wireless network/networks .

[0053] Optionally, the wireless network or wired network uses standard technology and/or communication protocol. The network is typically the Internet or any other networks and includes, but is not limited to, one or a combination of networks such as a local area network (LAN), a regional area network (MAN), a wide area network (WAN), a mobile network, wired or wireless network, private network or virtual private network. In some embodiments of the present invention, technologies and/or formats are used to display data exchanged over a network, including Hypertext Document Description Language (HTML), Extensible Markup Language (XML), and the like. In addition, a standard encryption technology such as Secure Sockets Layer (SSL), Transport Layer Security (TLS), Virtual Private Network (VPN), Internet Protocol Security (IPsec), or other technology may be used to encrypt all or some of the channels. of this kind. In some other embodiments of the present invention, specialized and/or proprietary communication technology may be used to replace or in addition to said communication technology.

[0054] It should be noted that these scenes of application are presented solely for the convenience of understanding the essence and principle of the present invention, and do not limit the embodiments of its implementation in all or some aspects. Moreover, embodiments of the present invention are applicable to any suitable scenes.

[0055] In the prior art, a transaction payment system using biometric recognition technology typically operates in a three-way mode, namely, a system including a merchant terminal, a merchant banking system, and a card issuing banking system. The serving bank system transmits the biometric information collected by the receiving terminal to the card issuing banking system. The card issuing banking system compares the received biometric information with the stored biometric information. If the received biometric information matches the stored biometric information, then it is confirmed that the initiator of the payment transaction and the registered person is the same user, and the possibility of making a payment transaction is provided. Thus, biometric information is similar to a traditional password for verification and is identified in a 1:1 ratio as a verification identifier. As for the card issuing bank, the payment application supported by it based on biometric recognition technology is closed, and there is no possibility of network interaction between different banks. Moreover, the use of only biometric information as a verification identifier reduces the level of security and accuracy of verification, and additional measures are required to strengthen security and improve the accuracy of verification.

[0056] To overcome these problems, one embodiment of the present invention proposes a data processing method shown in FIG. 2 based on the data processing system shown in FIG. 1, and involving the implementation of the steps described below.

[0057] In step 201, the serving bank server receives the target biometric information and password information for target verification transmitted by the terminal.

[0058] In the course of practical implementation, the terminal in this case is usually a receiving terminal, such as a POS terminal, a contact card reader, or other similar device located in a merchant. A client supported by the serving bank is installed in the receiving terminal, which can establish a secure communication channel with the server of the serving bank. The receiving terminal integrates a biometric feature collection module, such as a camera and a FingerReader, to collect biometric information about the user. The password information for verification may be a payment password entered by the user at the time of making a payment, and the payment password itself may be character type data consisting of numbers, letters, or a combination of numbers and letters, or other types of data.

[0059] For example, when a user makes a payment transaction, the receiving terminal may display a reminder to the user to enter biometric information and password information for verification.

[0060] In step 202, the serving bank server transmits the target biometric information and password information for verification to the biometric recognition server.

[0061] In step 203, the biometric recognition server recognizes the registered biometric information matching the target biometric information in the registered biometric information of the plurality of objects. Registered biometric information and account information of the same object are stored associatively.

[0062] In practice, the registered biometric information is stored in a biometric database. The biometric database may be integrated into the biometric recognition server, or it may be a stand-alone device. The biometric recognition server may establish a connection to a database on the offline device in order to retrieve the data stored there. The registered biometric information previously stored in the biometric database may be biometric information entered by the user or users when the user or users register with the card issuing bank through an application supported by the bank card issuer. The bank card issuer's server is connected to the biometric database. Thus, the registration information is synchronized with the biometric database. In another possible embodiment of the present invention, the user or users may also register through an application supported by the clearing mechanism so that the biometric recognition server may directly obtain biometric information about the user/users. The registration information includes biometric information about the user/users. The clearing mechanism server then synchronizes the registration information with the bank card issuer's server.

[0063] For example, the biometric database may be connected to the servers of multiple card issuers, i. e. the biometric database stores registered biometric information about a plurality of bank card issuers, and each unit of registered biometric information corresponds to one user.

[0064] In embodiments of the present invention, the biometric recognition server may compare the obtained target biometric information with the registered biometric information about the plurality of users stored in the database based on an algorithmic model. This means that the target biometric information and the matching registered biometric information are biometric information about the same user if the matching biometric information that matches the target biometric information is recognized. Thus, the target biometric information in embodiments of the present invention may play a role in route recognition as well as in verifying the user's identity.

[0065] In step 204, the biometric recognition server determines target account information of the target based on the matched registered biometric information.

[0066] In practice, not only registered biometric information about users, but also registered account information of users is stored in the biometric database, and registered biometric information and registered account information of the same user are stored associatively. The registered account information in this case includes bank card token information, mobile phone identification information, bank card identification information, and the like. Account information and biometric information about the same user is stored in an associative manner. The biometric recognition server recognizes the registered biometric information matching the target biometric information, and then, based on the created association, the registered account information, namely the target account information of the user, can be determined.

[0067] In step 205, the biometric recognition server sends a data processing request to the bank card issuer server corresponding to the target account information. The data processing request includes target account information and password information for verification.

[0068] In practice, the biometric recognition server may determine the bank card issuer server corresponding to the target account information after receiving the target account status information and send a data processing request to the bank card issuer server. Alternatively, the data processing request may be transmitted by the receiving terminal via the serving bank server and received by the biometric data recognition server; and in this case, the data processing request is generated by the receiving terminal based on the target account information fed back by the biometric recognition server.

[0069] In step 206, the bank card issuer server performs verification using the password information for verification, and after passing the verification, performs data processing based on the target account information.

[0070] In the course of practical implementation, the bank card issuer server verifies the identity of the user based on the received password information for verification, and performs data processing after passing the verification. Since the bank card issuer server does not need to identify biometric information about the user, the bank card issuer server does not need to be provided with a module based on biometric recognition technology. The bank card issuer server directly verifies the password information for verification, and the biometric recognition process is performed by the biometric recognition server. Therefore, the need for a bank card issuer server that would be connected to the system is small; when it is required to add a bank card issuer server to the system, the bank card issuer server does not need to provide a module related to biometric recognition. Moreover, bank card issuer servers supporting different biometric recognition technologies can be connected to the data processing system according to embodiments of the present invention, and this eliminates the isolation between different algorithms, which allows network interaction.

[0071] In embodiments of the present invention, the target biometric information is used to identify the registered target biometric information in the registered multi-object biometric information, and then the target account status information of the target is determined. Thus, the target biometric information actually serves as a route identifier and plays a role in routing the registered account information index. In addition, in the search process of the registered target account information of the target using the target biometric information, it is necessary to perform a comparison with the registered biometric information of a plurality of objects, and therefore, this method also includes a process for verifying the target biometric information. Moreover, in this method, the target is verified using not only the target biometric information, but also the password information for verification, and password verification and biometric recognition are combined in such a way that the scope is expanded and data accuracy and security are improved. In addition, in the embodiments of the present invention, the data transmission security system establishes relationships and provides intercommunication; multilateral exchange of algorithms can be implemented; and the isolation of biometric recognition among various mechanisms is eliminated.

[0072] Embodiments of the present invention contemplate that since the biometric database can be connected to a plurality of bank card issuer servers, user information of a plurality of bank card issuers can be stored in the biometric database, in which case the amount of biometric information registered stored in the biometric database will be quite large. Therefore, on the one hand, if the registered biometric information matching the target biometric information is recognized directly from a large data set, the computational amount will be huge, and on the other hand, the accuracy of the recognition result may be low. To overcome this problem, in one of the optional embodiments of the present invention, the range of recognition of the target biometric information can be narrowed by password information for verification. In other words, at step 202, recognizing a matched registered biometric information that matches the target biometric information in the registered biometric information about a plurality of objects may involve performing the operations described below.

[0073] According to the registered biometric information about a plurality of objects, the biometric information of the partition is determined. The partition biometric information is the registered biometric information stored in association with the password information for verification.

[0074] The main recognition algorithm and the auxiliary recognition algorithm corresponding to the password information for verification are determined.

[0075] The registered biometric information matching the target biometric information is recognized in the entire biometric information of the partition corresponding to the verification password information using the main recognition algorithm.

[0076] The recognition result of the main recognition algorithm is verified using the auxiliary recognition algorithm.

[0077] In the examples of practical implementation, the term "partition biometric information" does not mean that the registered biometric information must necessarily be stored by the partition method, but means that the registered biometric information is stored in association with the password information for verification. In other words, the registered biometric information may be stored either by a partitioning method or not. In one of the optional embodiments of the present invention, the registered biometric information is not stored on the hard disk by a partitioning method, but is stored on the disk by a partitioning method after it has been written to the disk. The separation method is that the separation is performed based on the corresponding password information for verification. Since the amount of registered biometric information is huge, when the verification password information contains a simple password, a plurality of registered biometric information will possibly correspond to the same verification password information. For example, a bank card payment password usually consists of six digits, and M users may choose a password with the same combination and order of numbers, for example, 123456, as the payment password entered during registration, and the password 123456 may correspond to biometric information units of M If there are N units of registered biometric information stored in the biometric database, then they are indexed using password information for verification; wherein the N units of registered biometric information can be divided into a plurality of subsets, each of which includes a plurality of registered biometric information units, and the registered biometric information in the same subset will correspond to one unit of password information for verification.

[0078] Thus, at the time of the payment transaction, the biometric recognition server receives the user's payment password 123456. In the registered biometric information in the amount of N units contained in the biometric database, the biometric information of the partition in the amount of M units corresponding to the payment password 123456 is determined. Then, the partition biometric information of M units is appropriately compared with the target biometric information, and then the registered biometric information matching the target biometric information is determined in the partition biometric information of M units. During this process, the amount of registered biometric information compared with the target biometric information is reduced from N to M, whereby the amount of recognition computation can be significantly reduced, and the recognition success rate and accuracy can be increased.

[0079] Biometric recognition in the embodiments of the present invention described above is performed using an algorithm, and the specific type of algorithm used is not restrictive. In the course of practical implementation, a multi-algorithmic platform can be used, and a unified recognition interface can be provided to call the upper level. The multi-algorithmic platform contains various recognition algorithms. With respect to the biometric information of the partition corresponding to different verification password information, different recognition algorithms can be selected to calculate the recognition. With respect to the partition biometric information corresponding to one verification password information, one primary recognition algorithm and one secondary recognition algorithm can be selected, whereby a more accurate recognition result can be obtained. After obtaining one verification password information, the main recognition algorithm and the auxiliary recognition algorithm configured in the biometric information of the partition corresponding to the received verification password information are determined. Thereafter, a 1:M recognition calculation is performed on the partition biometric information using the main recognition algorithm, and the registered biometric information matching the target biometric information is recognized in the partition biometric information. After receiving the recognition result, recognition verification is performed between the obtained matching result and the target biometric information using an auxiliary recognition algorithm to assess the accuracy of the result. If a discrepancy is detected between the recognition result and the recognition verification result, then the registered biometric information recognized by the main recognition algorithm (i.e., the recognition result) can be quite used as the final recognition result, and the inconsistent result should be registered, and the response regarding inconsistent result shall be transmitted back to the receiving terminal.

[0080] Optionally, the error rate of the main recognition algorithm can be analyzed depending on the situation with the inconsistent result recorded in the history, so that a more efficient algorithm with a lower error rate can subsequently be selected as the main recognition algorithm.

[0081] FIG. 3 schematically shows a multi-algorithm platform according to one embodiment of the present invention. As shown in FIG. 3, the biometric database includes partition 1, partition 2, partition 3, partition K, partition A, partition R, and partition T. Each of these partitions contains a plurality of registered biometric data. Recognition algorithms such as Algorithm A, Algorithm B, Algorithm C…Algorithm N, etc. are integrated into the multi-algorithm platform. These algorithms are configured in such a way that Section 1 and Section 2 use Algorithm A as the main recognition algorithm and Algorithm B as an auxiliary algorithm. recognition; Section 3 uses Algorithm C as the main recognition algorithm and Algorithm D as an auxiliary recognition algorithm; and section K, section R and section T use algorithm N as the main recognition algorithm and algorithm M as an auxiliary recognition algorithm. If the biometric recognition server receives a verification password information such as 5678, and determines that the section corresponding to the verification password 5678 is partition K, recognition calculation is performed between the target biometric information and the registered biometric information in partition K using the main algorithm. N, and after receiving the recognition result, the recognition verification is performed in relation to the recognition result using the auxiliary algorithm M.

[0082] Moreover, if the amount of partition biometric information in the subset (partition) corresponding to certain verification password information is still large, then in order to further reduce the amount of calculations and reduce the load on the computer, "recognizing the registered biometric information that matches the target biometric information, in the biometric information section" in this context may, in particular, provide for:

comparing the amount of biometric information of the partition with a threshold value;

performing a step of recognizing the registered biometric information matching the target biometric information in the partition biometric information when the amount of information is less than a threshold value; And

selecting the sub-section biometric information in the sub-section biometric information using an algorithm when the amount of information is greater than or equal to a threshold value, and recognizing the registered biometric information matching the target biometric information in the sub-section biometric information.

[0083] In the course of practical implementation, after determining the partition biometric information corresponding to the verification password information, the amount of the partition biometric information needs to be determined from all registered biometric information, and this amount of the partition biometric information is compared with a threshold value. For example, if there are P units of biometric information of a section, and the threshold value is 500, then the value of P is compared with the number 500, and if the value of P is less than 500, then the biometric information in the number of P units, respectively, is directly compared with the target biometric information, and in the biometric information of the section in the amount of R units, the registered biometric information that matches the target biometric information is revealed; and if the value of P is greater than or equal to 500, then this indicates that the amount of biometric information of the partition is still large, and the recognition range should be further narrowed. For example, the LRU algorithm (Longest Retired) may be used and a portion of the partition biometric information is selected as the partition biometric information. For example, the partition biometric information of Q units is selected from the partition biometric information of P units, and it serves as the partition biometric information, with Q≦P. Then, the sub-section biometric information of P units is compared with the target biometric information, respectively, and registered biometric information matching the target biometric information is recognized in the sub-section biometric information of Q units.

[0084] In the embodiments of the present invention, the registered biometric information matching the target biometric information is determined using the appropriate ratio between the verification password information and the registered biometric information, wherein the range of the biometric recognition can be narrowed, the calculation amount for recognition is significantly reduced, and the percentage of successful recognition attempts.

[0085] However, if the amount of subsection biometric information is still large, then there is still a possibility of failure in the process of recognizing the registered biometric information that matches the target biometric information. Embodiments of the present invention provide that when the recognition step of the registered biometric information that matches the target biometric information fails (i.e., when there is no registered biometric information that matches the target biometric information), a recognition failure response can be transmitted to the terminal via serving bank server, whereupon the terminal will display a reminder to enter auxiliary information for recognition. The specific implementation process is described below.

[0086] Recognition assistance information transmitted by the serving bank server is received. Auxiliary information for recognition is transmitted by the terminal to the server of the servicing bank upon the fact that the operator performs the corresponding operation.

[0087] In the subsection biometric information, the registered biometric information corresponding to the recognition assistance information is detected using the recognition assistance information.

[0088] In the registered biometric information corresponding to the recognition assistance information, the registered biometric information matching the target biometric information is recognized.

[0089] The recognition assistance information may be the last four digits of the user's mobile phone number, the first six digits of the user identification number, and the like. There is also a certain relationship between the recognition assistance information and the registered biometric information, i.e. one unit of recognition assistance information corresponds to a plurality of units of registered biometric information. If the amount of the subsection biometric information selected in the section biometric information using the algorithm is still large, the registered biometric information matching the target biometric information may still not be recognized. In this case, the registered biometric information corresponding to the recognition assistance information can be searched in the subsection biometric information corresponding to the verification password information using the recognition assistance information; thus, based on the narrowing of the recognition range by using the verification password information, the recognition range can be further narrowed by the recognition assistance information, and the recognition success rate can be increased.

[0090] For example, if the recognition attempt fails, the biometric recognition server sends a recognition failure feedback message to the receiving terminal via the serving bank server, the receiving terminal reminds the user to enter the last four digits of the mobile phone number as an aid for recognition, and due to This further narrows the range of recognition.

[0091] FIG. 4 schematically shows the process of determining the target account information by the biometric recognition server. As shown in FIG. 4, hypothetically, the face image received by the biometric recognition server is a snapshot of a live user P, and the payment password is a combination of numbers such as 217384. In other words, the target biometric information is a snapshot of a live person. The payment password is calculated using an irreversible algorithm and then converted to the security code 2ac59075b9. Face images of N number are stored in the face routing library, and face images of N number are used to determine face images of P number corresponding to the security code 2ac59075b9. If P≤500, then the value of P is compared with the predetermined number 500, face identification is carried out by direct comparison of the obtained snapshot of a living person with each of the saved face images by the number P; among the images of faces, the number P recognizes the image of the face of user A; and then the bank card token of user A is obtained. If P>500, then the selection of Q face images from M face images using the LRU algorithm is provided, as a result of which a subset library is formed. Face images with Q number are respectively compared with the received snapshot of a living person, and if recognition is successful, then user A’s face image is obtained, after which user A’s bank card token is obtained. In case of unsuccessful recognition, the last four digits of the user’s mobile phone number are received to further narrow the recognition range, after which the image of the face of user A is obtained, and then the token of the bank card of user A is obtained.

[0092] In order to maximize the use of the resources of the existing system, in the embodiments of the present invention, the entire transaction is divided into a recognition process and a data processing process. Before the biometric data recognition server sends a data processing request to the bank card issuer's server corresponding to the target account information, the proposed method further includes performing the operations described below.

[0093] Target account information is transmitted to the terminal via the serving bank server, after which the terminal sends a data processing request to the serving bank server. The data processing request includes target account information and password information for verification.

[0094] A processing request sent by the serving bank server is received.

[0095] In the course of practical implementation, when making one transaction, the receiving terminal may send two requests, namely one request for recognition and one request for payment. For example, the receiving terminal generates a recognition request upon performing a corresponding action by the user, and transmits the recognition request to the biometric recognition server via the serving bank server. The recognition request includes target biometric information and user verification information. Then, the receiving terminal generates a payment request after receiving the target account information transmitted by the biometric recognition server, and transmits the payment request to the bank card issuer server through the serving bank server and the biometric recognition server. The payment request includes target account information and password information for verification. The server of recognition of biometric data can be the server of the clearing mechanism. As in the existing request processing system, the clearing mechanism server is connected to the bank card issuer server, and the data on the bank card issuer server is synchronized with the clearing mechanism server. Thus, the structure of this system and the way data is processed per transaction with two requests makes little change to the existing system; the resources of the existing system can be used to the maximum, and the possibility of duplicating any operation for processing data of an existing type, for example, the movement of funds between banks, cash withdrawals, pre-authorization and transactions of any other types, and also there is no need for any modification .

[0096] FIG. 5 schematically shows the direction of data flow according to one embodiment of the present invention. As shown in FIG. 5, in step 1, the receiving terminal receives the user's face image and payment password, and then in step 2, the receiving terminal transmits the face image and payment password to the face routing gateway in the clearing mechanism. In step 3, the face routing gateway determines the user's bank card number from the face routing database, and then sends the bank card number token back to the receiving terminal. At stage 4, the receiving terminal, based on the received bank card number token, sends a payment request to the banking system for issuing cards through the servicing bank system and the exchange clearing system. In step 5, after data processing is completed, the card issuing banking system feeds the information back to the exchange clearing system, the servicing bank system, and the receiving terminal. In FIG. 5, it can be seen that based on the user's action, the receiving terminal sends two requests; at the same time, the user only needs to enter the image of his face and the payment password at first, and he does not need to know about the intermediate process. Thus, although the receiving terminal transmits two requests, the user's action is concise.

[0097] In addition, before the biometric recognition server receives the target biometric information and password information for verifying the target, the proposed method further includes performing the steps described below.

[0098] Registered account information, registered biometric information, and target routing index information are received. The routing index information is generated by operating the verification password information using an irreversible algorithm.

[0099] Salt encryption is performed on the routing index information.

[00100] The encrypted routing index information, the registered biometric information, and the registered account status information are associatively stored in a section corresponding to the routing index information.

[00101] In practice, the user may register through the application of the issuing bank of the bank card, or through the application (eg, settlement system) of the clearing mechanism, or through the application of a third party. After registering a user, registered account information, registered biometric information, and verification information can be obtained.

[00102] When a user registers through the bank card issuing application, the bank card issuer server receives the account information, face image and payment password and other user registration information, and associatively stores the received registration information, and the registration information is synchronized with the biometric recognition server . When a user registers through the clearing mechanism application, the biometric recognition server obtains the account information, face image, payment password, and other user registration information, and associates the received registration information, and the registration information is synchronized with the bank card issuer server.

[00103] In order to ensure data security, especially the security of the verification password information, in embodiments of the present invention, the bank card issuer server manages the verification password information using an irreversible algorithm to generate routing index information after receiving the verification password information, and the registered information the account status, the registered biometric information, and the routing index information are synchronized with the biometric recognition server. The biometric recognition server performs salt encryption processing on the routing index information of each user so as to ensure the security of the information. Salt encryption is a data encryption mode; for example, each block of data is associated with a random n-digit number, called a "salt", for collaborative encryption. The random number changes as the data changes in every possible case. The random number is saved to the file in unencrypted mode, and the encrypted result is also saved to the file. An irreversible algorithm can be SM3, SHA-256, etc.

[00104] FIG. 6 is a schematic diagram illustrating the registration procedure according to one embodiment of the present invention. As shown in FIG. 6, the user sets the payment password in the application of the bank issuing the bank card. The card banking system converts the payment password into a face payment security code by performing an irreversible operation, after which the face payment security code is synchronized with the face routing platform. The face routing platform adds a different salt to each face payment security code and stores encrypted data.

[00105] To further secure the storage and transmission of data, "associative storage of encrypted routing index information, registered biometric information, and registered account information" in the context of this document may involve performing the operations described below.

[00106] With respect to the registered account information, tokenization processing is performed to obtain token information.

[00107] Associative storage of encrypted routing index information, registered biometric information, and token information is provided.

[00108] Accordingly, determining the target account information involves performing the steps below.

[00109] Token information*1 corresponding to the target biometric information is determined.

[00110] Token information ^d is converted to token1 information.

[00111] In addition, after determining the target information about the state of the account, the proposed method further includes: transmitting information about the token1 to the terminal.

[00112] In the course of practical implementation, in order to prevent leakage of information about the state of the user's account, regarding this information, data processing by the tokenization method can be performed so as to generate information about the token. In one of the optional embodiments of the present invention, the card token information can be generated by a payment tokenization service (Token Service Provider (TSP)) where the TSP payment tokenization service is a primary digital payment security service that can provide payment security guarantees to a bank. , payment organization and industrial enterprise. The TSP payment tokenization service uses a specific payment token that replaces the traditional bank card number, which effectively reduces the risk of leakage of information contained in a bank card to a merchant and a receiving institution, and helps to reduce fraudulent transactions.

[00113] For example, the bank card token information may include: bank information and information with part of the bank card number. For example, one unit of bank card token information is: bank T and 6666********1234, where part of the bank card number in the bank card token information is replaced by *.

[00114] The biometric recognition server may use the routing index information as an index (may combine a data label, the last four digits of a mobile phone number, and the like, as appropriate) to generate token information as part of the account status information. The token information can be divided into token information ^d and token information (temporary) ^t , where the token information ^d is stored in the biometric database, the biometric recognition server tokenizes the token information ^d to generate token information ^t , and the token information ^t is passed outside. Token information ^t is only valid for a certain period of time, for example, three minutes. Therefore, the user's account information can be prevented from leaking, and the security of the user's assets can be improved.

[00115] In embodiments of the present invention, the biometric information may include one or more of the following types of information:

face information, fingerprint information, voice pattern information, iris information, palm print information, finger vein pattern information, or palm vein pattern information.

[00116] In one optional embodiment of the present invention, the receiving device may perform live person detection on the user after receiving the user's payment password. Live person detection is used to evaluate whether the collected biometric information is related to a living person. During detection of a living person, it may be necessary for the user to blink, turn their head, open their mouth, or perform other similar actions. By detecting a living person, other users can be prevented from using the user's image to fraudulently read the user's bank card, thereby improving the security of the user's assets.

[00117] To provide a deeper understanding of the present invention, this order will be described in detail on the example of one of the variants of its implementation. Fig. 7 is a schematic diagram illustrating the registration procedure in the first embodiment of the present invention.

[00118] As shown in FIG. 7, as part of the registration procedure, the user launches an application for initiating a payment transaction based on face recognition offline through the application of the bank issuing a bank card, registers face information, binds a bank card, and sets a payment password.

[00119] The card issuing banking system completes the authentication of the user's identity and synchronizes the face routing information (routing index code, face information, bank card token/number, last four digits of the bank card number, and last four digits of the mobile phone number) with the platform face routing.

[00120] The face routing platform returns the synchronization result to the card issuing banking system, and the card issuing banking system returns the registration result to the user. The user can perform operations to change the face image and payment password and set the default payment card.

[00121] FIG. 8 is a schematic diagram illustrating the payment procedure in the second embodiment of the present invention.

[00122] As shown in Fig. 8, as part of the payment process, the receiving terminal collects face information and prompts the user to enter a payment password.

[00123] The receiving terminal encrypts the face information and the payment password ciphertext through the serving bank system and transmits the data to the face routing platform.

[00124] The face routing platform encrypts the payment password ciphertext into a routing index code, and then performs recognition based on the face information, routing index code, and the like, performs tokenization processing on the bank card number if the recognition is successful, and returns payment token to the receiving terminal.

[00125] If the face routing platform notifies the need to add auxiliary information, then the answering machine code corresponding to the serving bank is returned, the terminal recovers the last four digits of the mobile phone number, and then transmits them to perform the recognition operation, and it returns to the terminal if recognition has passed successfully.

[00126] The receiving terminal initiates a transaction using the payment token and ciphertext of the payment password, and transmits a transaction command to the card issuing banking system through the serving bank system and the exchange clearing system.

[00127] The card issuing banking system confirms the transaction based on the payment password and the result of the detection of a living person, after which the payment transaction is considered completed.

[00128] Embodiments of the present invention further provide the data processing apparatus shown in FIG. 9 which includes:

a transceiver element 901, configured to receive the target biometric information and password information for verifying the target object transmitted by the serving bank server;

a recognition element 902, configured to recognize the registered biometric information matching the target biometric information in the registered biometric information of a plurality of objects, wherein the registered biometric information and the account status information of the same object are stored associatively; And

a determination element 903, configured to determine the target account information of the target based on the recognized registered biometric information.

[00129] The transceiver element 901 is further configured to send a data processing request to the bank card issuer server corresponding to the target account information. The data processing request includes the target account information and the password information for verification, whereby the bank card issuer server performs verification using the password information for verification, and performs data processing based on the target account information after passing the verification.

[00130] In one optional embodiment of the present invention, the recognition element 902 is configured to:

determining a partition biometric information in the registered biometric information of the plurality of objects, the partition biometric information being the registered biometric information stored in association with the verification password information;

determining a main recognition algorithm and an auxiliary recognition algorithm corresponding to the password information for verification;

recognizing the registered biometric information matching the target biometric information in all the biometric information of the partition corresponding to the verification password information using the main recognition algorithm; And

verification of the recognition result by the main recognition algorithm using an auxiliary recognition algorithm.

[00131] In one optional embodiment of the present invention, the recognition element 902 is configured to:

comparing the amount of biometric information of the partition with a threshold value;

performing a step of recognizing the registered biometric information matching the target biometric information in the partition biometric information when the amount of information is less than a threshold value; And

selecting the subsection biometric information in the subsection biometric information using an algorithm when the amount of information is greater than or equal to a threshold value, and recognizing the registered biometric information matching the target biometric information in the subsection biometric information.

[00132] In one of the optional embodiments of the present invention, the transceiver element 901 is further configured to send a recognition failure response to the terminal via the serving bank server if the stage of recognizing the registered biometric information matching the target biometric information has failed to be successfully performed, as a result of which the the terminal displays a reminder of the need to enter auxiliary information for recognition; and receiving the recognition assistance information transmitted by the serving bank server, wherein the recognition assistance information is transmitted by the terminal to the serving bank server upon execution of the corresponding operation by the user.

[00133] The recognition element 902 is further configured to determine the registered biometric information corresponding to the recognition assistance information in the subsection biometric information using the recognition assistance information; and recognizing the registered biometric information matching the target biometric information in the registered biometric information corresponding to the recognition assistance information.

[00134] In one optional embodiment of the present invention, the transceiver element 901 is further configured to:

transmitting target account information to the terminal via the serving bank server, so that the terminal sends a processing request to the serving bank server, the processing request including target account information and password information for verification; And

receiving a request for data processing transmitted by the server of the serving bank.

[00135] In one of the optional embodiments of the present invention, the proposed device further includes a registration element 904 configured to:

obtaining the registered account information, the registered biometric information, and the target routing index information, the routing index information being generated by operating the verification password information using an irreversible algorithm;

performing salt encryption method data processing on the routing index information; And

storing the encrypted routing index information, the registered biometric information, and the registered account information in an associative manner.

[00136] In one of the optional embodiments of the present invention, the registration element 904 is configured to perform tokenization data processing on the registered account information to obtain information about the token ^d ; and storing encrypted routing index information, registered biometric information, and token information ^d in an associative manner.

[00137] The determination element 903 is further configured to determine token information ^d corresponding to the target biometric information; and converting the token information ^d into token information ^t .

[00138] The transceiver element 901 is further configured to transmit token1 information to the terminal.

[00139] In one of the optional embodiments of the present invention, the biometric information includes one or more of the following types of information:

face information, fingerprint information, voice pattern information, iris information, palm print information, finger vein pattern information, or palm vein pattern information.

[00140] Based on the same principles, the present invention further provides the electronic device shown in FIG. 10 which includes: a processor 701, a memory 702, a transceiver 703, and a bus interface (704). Processor 701, memory 702, and transceiver 703 are connected to each other via bus interface 704.

[00141] The processor 701 is configured to read the program(s) stored in the memory 702 and execute the subsequent method.

[00142] EFFECT: receipt of target biometric information and password information for verification of the target object transmitted by the server of the serving bank.

[00143] Registered biometric information matching the target biometric information is recognized in the registered biometric information about a plurality of objects.

[00144] Based on the registered biometric information, the target account information of the target is determined; And

[00145] A request for data processing is transmitted to the server of the bank card issuer corresponding to the target account information. The data processing request includes target account information and password information for verification so that the bank card issuer server can perform verification using the password information for verification and process data based on the target account information after passing the verification.

[00146] Based on the same principles, the present invention further provides a non-volatile computer-readable storage medium for storing machine instruction(s). The machine instruction(s) are configured to cause the computer to execute the method illustrated in any of the first to eighth figures.

[00147] The present invention has been described in conjunction with flowcharts and/or flowcharts illustrating a method, device (system), and computer program product according to embodiments of the claimed invention. It should be understood that each step and/or each block in the flowcharts and/or flowcharts and combinations of steps and/or blocks in the flowcharts and/or flowcharts may be implemented using computer program instructions. These computer program instructions may be applied to a general purpose computer processor, a specialized computer, an embedded processor, or other programmable data processing devices, to generate a machine so that instructions executed by the processor of computers or other programmable data processing devices can generate a machine to implement specific functions. within one or more stages of flowcharts and/or one or more block diagrams.

[00148] These computer program instructions may also be stored on a computer-readable storage medium that is configured to control the operation of computers or other programmable data processing devices in a particular mode such that the instructions stored on the computer-readable storage medium can generate a product including: itself a command apparatus. The command apparatus implements specific functions within one or more stages of algorithms and/or one or more block diagrams.

[00149] These computer program instructions may also be downloaded to computers or other programmable data processing devices so that a number of steps can be performed on the computers or other programmable data processing devices to initiate data processing implemented by the computers; thus, commands executed on computers or other programmable devices provide the execution of operations for the implementation of specific functions within one or more stages of algorithms and/or one or more blocks of flowcharts.

[00150] While the preferred embodiments of the present invention have been described above, other changes and modifications may be made to these embodiments by those skilled in the art once they understand the basic idea of the invention. In this case, it is intended that the appended claims should be inferred to include the preferred embodiments of the present invention and all changes and modifications falling within the scope of the claimed invention.

[00151] It is obvious that specialists in the art can make various changes and modifications to the present invention without departing from its spirit and scope. In this case, if these changes and modifications are within the scope of the formula and its equivalents, these changes and modifications are also intended to be included in the present invention.

Claims (72)

1. Method of data processing, providing: receiving target biometric information and password information for verification of the target object transmitted by the server of the servicing bank; recognizing matching registered biometric information matching the target biometric information in the registered biometric information of the plurality of objects, wherein the registered biometric information of any of the objects and the registered account status information of any such object is stored associatively; determining target account information of the target based on the matched registered biometric information; And transmitting the data processing request to the bank card issuer server corresponding to the target account information, wherein the data processing request includes the target account status information and password information for verification, whereby the bank card issuer server performs verification using the password information for verification and performs data processing based on target information about the account status after verification, wherein recognizing matching registered biometric information matching target biometric information in registered biometric information about a plurality of objects involves: determining the partition biometric information in the registered biometric information of the plurality of objects, the partition biometric information being the registered biometric information stored in association with the verification password information; determining a main recognition algorithm and an auxiliary recognition algorithm corresponding to the password information for verification; recognizing matching registered biometric information matching the target biometric information in the partition biometric information corresponding to the verification password information using the main recognition algorithm; And verification of the recognition result by the main recognition algorithm using an auxiliary recognition algorithm. 2. The method of claim 1, wherein recognizing a matched registered biometric information that matches the target biometric information in the partition biometric information includes: comparing the amount of biometric information of the partition with a threshold value; recognizing matching registered biometric information matching the target biometric information in the partition biometric information when the amount of information is less than a threshold value; And selecting the sub-section biometric information in the sub-section biometric information using an algorithm when the amount of information is greater than or equal to a threshold value, and recognizing a matching registered biometric information matching the target biometric information in the sub-section biometric information. 3. The method according to claim 1, wherein after determining the biometric information of the partition in the registered biometric information about the plurality of objects, the proposed method further comprises: transmitting a recognition failure response to the terminal via the serving bank server if the matching registered biometric information matching the target biometric information could not be recognized, whereby the terminal displays a reminder to input recognition assistance information; receiving the recognition assistance information transmitted by the serving bank server, wherein the recognition assistance information is transmitted by the terminal to the serving bank server upon execution of the respective operation by the user; determining the registered biometric information corresponding to the recognition assistance information in the subsection biometric information; And recognizing matching registered biometric information matching the target biometric information in the registered biometric information corresponding to the recognition assistance information. 4. The method according to claim 1, in which, before sending a request for data processing to the server of the bank card issuer corresponding to the target account information, the proposed method further provides: transmitting target account information to the terminal via the serving bank server, so that the terminal sends a processing request to the serving bank server, the processing request including target account information and password information for verification; And receiving a request for data processing sent by the server of the servicing bank. 5. The method according to claim. 1, in which before obtaining the target biometric information and password information for verifying the target object, the proposed method further provides: obtaining the registered account information, the registered biometric information, and the routing index information of the target entity, the routing index information being generated by operating the verification password information using an irreversible algorithm; performing salt encryption method data processing on the routing index information; And storing encrypted routing index information, registered biometric information, and registered target object account status information in an associative manner. 6. The method of claim 5, wherein storing encrypted routing index information, registered biometric information, and registered target account information in an associative manner includes: performing data processing by the tokenization method with respect to the registered information about the state of the account of the target object in order to obtain information about the token ^d of the target object; And storing encrypted routing index information, registered biometric information, and target token ^d information in an associative manner; wherein: determination of target information about the state of the account of the target object provides for: determining information about the token ^d corresponding to the target biometric information; And converting token information ^d corresponding to the target biometric information into token information ^t ; And after determining the target information about the state of the account of the target object, the proposed method further provides: transferring information about the token ^t to the terminal. 7. The method according to any one of paragraphs. 1-6, in which the biometric information includes one or more of the following types of information: face information, fingerprint information, voice pattern information, iris information, palm print information, finger vein pattern information, or palm vein pattern information. 8. Device for data processing, containing: a transceiver element configured to receive the target biometric information and password information for verifying the target object transmitted by the serving bank server; a recognition element configured to recognize matching registered biometric information matching the target biometric information in the registered biometric information of the plurality of objects, wherein the registered biometric information of any of the objects and the registered account status information of such any object is stored associatively; a determination element configured to determine target account status information of the target based on the matched recognized registered biometric information; And the transceiver element is further configured to transmit a data processing request to a bank card issuer server corresponding to the target account information, wherein the data processing request includes the target account status information and password information for verification, whereby the bank card issuer server performs verification using password information for verification and performs data processing based on target information about the state of the account after passing verification, in which the recognition element is configured to: determining a partition biometric information in the registered biometric information of the plurality of objects, the partition biometric information being the registered biometric information stored in association with the verification password information; determining a main recognition algorithm and an auxiliary recognition algorithm corresponding to the password information for verification; recognizing matching registered biometric information matching the target biometric information in the partition biometric information corresponding to the verification password information using the main recognition algorithm; And verification of the recognition result by the main recognition algorithm using an auxiliary recognition algorithm. 9. The device according to claim 8, in which the recognition element is configured to: comparing the amount of biometric information of the partition with a threshold value; recognizing matching registered biometric information matching the target biometric information in the partition biometric information when the amount of information is less than a threshold value; And selecting the sub-section biometric information in the sub-section biometric information using an algorithm when the amount of information is greater than or equal to a threshold value, and recognizing a matching registered biometric information matching the target biometric information in the sub-section biometric information. 10. The device according to claim 8, in which: the transceiver element is further configured to send a recognition failure response to the terminal via the serving bank server if it fails to recognize the matching registered biometric information matching the target biometric information, whereby the terminal displays a reminder to input recognition assistance information; and receiving the recognition assistance information transmitted by the serving bank server, wherein the recognition assistance information is transmitted by the terminal to the serving bank server upon completion of the respective operation by the user; A the recognition element is configured to further determine the registered biometric information corresponding to the recognition assistance information in the subsection biometric information; and recognizing the matching registered biometric information matching the target biometric information in the registered biometric information corresponding to the recognition assistance information. 11. The device according to claim 8, in which the transceiver element is made with the additional ability to: transmitting target account information to the terminal via the serving bank server, so that the terminal sends a processing request to the serving bank server, the processing request including target account information and password information for verification; And receiving a request for data processing transmitted by the server of the serving bank. 12. The device according to claim 8, further comprising a registration element configured to: obtaining the registered account information, the registered biometric information, and the target routing index information, the routing index information being generated by operating the verification password information using an irreversible algorithm; performing salt encryption method data processing on the routing index information; And storing encrypted routing index information, registered biometric information, and registered target object account status information in an associative manner. 13. The device according to claim 12, in which: the registration element is configured to perform data processing by the tokenization method on the registered information about the account status of the target object in order to obtain information about the token ^d of the target object; and storing the encrypted routing index information, the registered biometric information, and the target token ^d information in an associative manner; the determination element is further configured to determine token information ^d corresponding to the target biometric information; and converting token information ^d corresponding to the target biometric information into token information ^t ; A the transceiver element is made with the additional possibility of transmitting information about the token ^t to the terminal. 14. The device according to any one of paragraphs. 8-13, in which the biometric information includes one or more of the following types of information: face information, fingerprint information, voice pattern information, iris information, palm print information, finger vein pattern information, or palm vein pattern information. 15. Electronic device for data processing, containing: at least one processor; And a memory communicatively connected to at least one processor; wherein: the memory stores instructions configured to be executed by at least one processor, and the instructions are executed by at least one processor to implement the method according to any one of paragraphs. 1-7. 16. A non-volatile computer-readable storage medium for storing computer instructions, in which computer instructions are executed by a computer to implement the method according to any one of paragraphs. 1-7. 17. A data processing system containing a serving bank server, a biometric data recognition server and a bank card issuer server, in which: the serving bank server is configured to receive the target biometric information and password information for verifying the target object transmitted by the terminal; and transmitting the target biometric information and the password information for verification to the biometric recognition server; the biometric data recognition server is configured to receive target biometric information and verification password information transmitted by the serving bank server; recognizing matching registered biometric information matching the target biometric information in the registered biometric information of a plurality of objects, wherein the registered biometric information of any of the objects and the registered account status information of any such object are stored associatively; determining target account information of the target based on the matched registered biometric information; and transmitting a data processing request to the bank card issuer server corresponding to the target account information, the data processing request including the target account status information and verification password information; A the bank card issuer server is configured to receive a data processing request; and performing verification using the password information for verification, and performing data processing based on the target account information after passing the verification.

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