TWM474207U - Image recognition service system for M-commerce identification - Google Patents

Description

Mobile business identity verification image identification service system

This creation is an image recognition service system for mobile business identity verification. In particular, it is about using image recognition technology to directly replace the general use of barcodes with images, and to effectively identify consumers when using mobile commerce. It is confirmed that at the same time, the video call function can be embedded in the mobile application APP to effectively improve the efficiency and value of the mobile business.

Due to the rapid development of the Internet, traditional transaction models can gradually be completed in the Internet application environment, resulting in an ever-expanding market for e-commerce, and in recent years, shipments of smart phones (Smartphones) continue to increase. Growth has also led to the development of mobile device applications and the rise of mobile commerce. According to a survey conducted by the Ministry of Economic Affairs in October 2011, the "New Internet Age E-Commerce Development Project", Taiwan's total e-commerce output value reached NT$660.5 billion (up 17.4%) in 2012, of which the B2C market accounted for 57%. The net market for C2C is 278 billion yuan. The average netizen consumption in 2012 was 17,209 yuan (up 51.9%), and the total market output value in 2015 is expected to exceed 1 trillion yuan. The Commerce Department of the Ministry of Economic Affairs also pointed out At present, the key development direction of government e-commerce includes improving the industrial infrastructure, promoting e-commerce trust mechanism and researching relevant regulations, promoting cross-border gold flow, third-party payment and other financial flow mechanisms; The market size is estimated to reach 10.2 trillion yuan in 2013, while the online shopping market in 2013 will reach approximately RMB 1,850 billion (up 41.9%), 2014. The market size is about four times that of 2010. According to the statistics of the National Communications and Communications Commission (NCC), the current mobile Internet population through 3G or WIFI wireless communication has reached 18 million. The industry expects mobile commerce to be the next stage of e-commerce development.

Gartner, an international research and advisory firm, estimates that there will be more than 141.1 million Mobile Payment users in 2011, an increase of 38.2% from 2010's 122.1 million, and global mobile payments are expected to reach 86.1 billion. The US dollar grew by 75.9% from the $48.9 billion in 2010. Google also reported that the rise of action forces in 2013 will be a non-negligible network trend. In the era of multiple screens, consumers’ online behaviors are mostly based on smart phones. Because mobile devices are mobile and convenient, wisdom Mobile phones will become a good helper for consumers when shopping. In addition, the so-called mobile payment refers to the use of personal handheld mobile communication devices for business transactions such as transfer, payment of bills, online shopping, etc., and integrates traditional wallet, credit card, discount coupon, card reader and other related financial payments into our In smart phones, accounting transactions such as contract/non-agreed transfer, bill payment/tax payment, and physical store/virtual online store action transfer are generally used. In general, there are four types of technology for action payment: The newsletter is SMS/USSD Based Transactional Payment, Direct Mobile Billing, Mobile Web Payment, and Contactless Near Field. According to a survey conducted by the government and domestic and foreign industrial research institutions, the growth rate of the e-commerce market has increased year by year, and consumer spending habits have gradually changed from physical transactions to online transactions. Due to the popularity of smart phones and the establishment of a network environment, The public has also begun to use e-commerce through mobile phones, and government policies have also promoted mobile payment transactions. Therefore, the development trend of the e-commerce market has gradually moved toward mobile commerce, and how to provide consumers and businesses with a convenient and rapid completion on mobile phones. The importance of mobile commerce and payment methods is self-evident.

For example, the Republic of China Patent No. I24662 patent proposes a face recognition using a user's face, wherein the facial feature detecting device is configured to detect a plurality of facial features from the facial image, and Converting each of the facial features into an invariant space to become an invariant vector by taking a plurality of reference facial images by a camera to create a facial database, and then using a manual analysis method to determine a plurality of The position of the facial feature, and the system automatically positions the face and its plurality of features, and then the system automatically performs a normalization step to adjust the brightness and contrast of the facial image and adjust the size of the facial image. , tilt, and angle of rotation. Finally, the invariant primary component analysis method and the KL compression method are used to characterize the distribution of the facial image used in the above reference into the invariant feature value of the face to establish the invariant feature value database and face of the face. The invariant eigenvalue feature database of the Ministry.

For example, the Republic of China Patent No. I370413 patent describes an image index formed on the surface of an object as a header information for identifying an image indicator, the content of which includes a content data portion and a table header, wherein the content data The portion includes a plurality of micro image units, and the area occupied by the content data portion is divided into a plurality of state regions, wherein each of the state regions is provided with a micro image unit, and the micro image unit is selectively located in the divided state region. One of the virtual regions, the table header includes a plurality of micro image units, and each of the micro image units is arranged in a predetermined manner as information for providing an identification image index.

For example, the Republic of China Patent No. I262449 patent provides an image recognition system and a method thereof, and achieves a digital image that can be captured by the object being queried without any knowledge of the image. And analyzing the processed feature value as a comparison reference; transmitting the feature value to a remote comparison unit, the comparison unit contacting at least one database and comparing and matching the feature value for the captured image Image information of the library, the query is equivalent to the captured map Image information such as the feature value is obtained, and the image or text or sound information related to the captured image is retrieved back to the queryer.

For example, the Republic of China Patent No. I331312 patent proposes a mobile communication device barcode authentication method, which utilizes the characteristics of high-capacity and high fault tolerance of the mature two-dimensional barcode, and the increasingly popular mobile communication device with photographic function. The wireless network combines the back-end authentication center and the accounting center to perform mobile communication management of the mobile communication device; wherein the application, transmission and authentication of the barcode authentication are communicated with the certification center through the authentication management program of the mobile communication device; the barcode The authentication application method is that the certification center uses the mobile phone number and ID number of the mobile user to authenticate the mobile user. After the authentication is successful, the mobile key generated by the mobile user is used to generate barcode authentication for the public key, and the barcode is authenticated by the user. Key encryption, and finally send the encrypted barcode authentication to the consumer's mobile communication device.

For example, the Republic of China Patent No. I338866 patent describes a face recognition security system that includes a terminal with which a user interacts, the terminal including at least two cameras for determining which of the cameras to use to capture the use. a member of the facial image and a member for displaying the facial image of the user, wherein one of the cameras is disposed on another camera; preferably, the system can be included at the terminal Two cameras, and the display member can be configured between the two cameras.

For example, the Republic of China Patent No. I3658674 proposes a face detection and tracking method for performing a face detection and tracking method through a computer or a microprocessor with computing power to identify a face in an image frame and In the location, the face tracking method is implemented by image subtraction (comparing the pixel difference between the current picture and the previous frame to find the position after the face is moved), and the moving edge detection method (obtaining the current picture and the previous picture) Pixel difference and through marginalization The processing and other programs obtain the position of the face after the movement), and the trust area method (based on the position of the face in the previous screen, whether there is a face image matching the face feature in the surrounding predetermined range to find the person After the face is moved, use the first to detect the new/old face and track the found face. When performing face detection, avoid the location of the presence/find face to shorten the person. Face detection/tracking time required, allowing new faces to be quickly searched.

For example, the Republic of China Patent No. I382354 patent proposes a face recognition method that reconstructs a three-dimensional facial model by only one original facial image, and can simulate various facial changes (poses, light sources) using the three-dimensional model. ...etc.), generating a map group for training the face recognition module, and using the local linear inline method, in addition to identifying the legitimate system user and rejecting the illegal user, and merging the continuous time by a single probability Decide to increase recognition reliability.

For example, the Republic of China Patent No. M341292 patent proposes a device that uses QR Code as the indexing and data input device of the issuing card system. It is a device for collecting personal data and large-head photos on the card issuing system, and uses QR Code two-dimensional bar code. Capable of accommodating a large amount of data and QR Code positioning, face detection/correction image processing technology, compiling the personal identification card information, compiling QR QR code by QR Code encoding, and The barcode is printed on the printer by the printer, and then attached to the scanner for scanning, then converted into an image file, and then the image processing technology is used to cut out the big photo and QR Code. After the person's coded data in the QR Code, the person's fingerprint is entered into the card-making system to print the personnel identification card, which reduces the burden on the card-issuing operator by a series of automated processes and greatly improves the processing efficiency of the card.

For example, the Republic of China Patent Certificate No. M453183 proposes a QR Code mutual The OTP password authentication device, the network device and the mobile device are respectively connected to the management server by using the internet interface, and the QR code generated by the management server is transmitted to the client terminal at least once by the management server when the user logs in the identity authentication. The network device, and the user can obtain the interactive OTP password corresponding to the QR Code through the designated mobile device, and the interactive OTP password corresponding to the QR Code is verified by the management server to be successful. Sign in.

For example, the Republic of China Patent No. I340579 patent describes a system, apparatus, method, application and computer readable medium for applying for an electronic authentication and transmitting a secret key for an electronic mobile device. Since the computer has better electronic authentication management and network connection function, the electronic mobile device applies for electronic authentication and requesting a secret key to the server through the computer. The computer sends an application signal to the server, and after receiving the request signal, the server sends an identity verification request signal to the electronic mobile device for confirmation, which can be achieved in different ways.

In view of the content of the past patents and the development trend of the industry, we found that most of the practical applications and patents are designed in the form of barcodes as identification and authentication methods, or even in the form of barcodes combined with large-headed photos. The tool, in the application of bar code, because the traditional one-dimensional bar code can access no more than 15 characters, so usually only the key index value is stored, and then the complete data of the product is read through the database. The 2D barcode can store information in both the horizontal and vertical directions. Therefore, the information can be stored in a small area. In addition to storing forms and text data, it can also be used to store image data. The receiver only needs to read the barcode. , using the decoding software to decode, you can directly input the read data into the computer or mobile phone. However, according to the Ministry of Economic Affairs' Announcement of the 100-year Smart Identification Service Promotion Plan Report, the survey of smart identification service needs was investigated. Respondents considered that the disadvantage of using QR-Code was the highest (51.6%), and the highest was followed. In order to leak personal data (37.6%), it is not convenient to operate (35.5%). In addition, since the appearance of each QR Code is similar, there is also a lack of direct identification.

On the other hand, in the past, the use of facial images as a method of recognition, because the method and steps of capturing facial features are quite complicated, and it is necessary to process a large amount of calculations, which may reduce the efficiency of the system, and the system may need to be processed. A large amount of data, so a storage device with a relatively large storage capacity is required.

Therefore, a method for quickly identifying and verifying the identity of a consumer and facilitating mobile commerce can be provided on an existing variety of wireless terminal devices, and a secure identification program can be provided to improve the efficiency of the mobile business. Value is a subject worth studying.

The main purpose of this new model is to provide an image recognition service system for mobile business identity verification. In particular, it is related to the use of image recognition technology to solve the complicated face recognition method in the past, which can be directly combined with the consumer's self-portrait image. The authentication code provided by the system finally forms an image identification code. In addition, the system can also embed video call function on the mobile phone application APP to provide consumers or merchants in the process of mobile business transactions. In case of problems, they can directly contact the relevant units by video. It can expand the practical application of identity verification and identification to effectively improve the efficiency and value of mobile commerce.

The image recognition technology adopted in the new model is mainly based on the Natural Feature Tracking (NFT) and the Speeded Up Robust Feature (SURF) method, and the texture and the corner are used as images. The benchmark for recognition focuses on the rate of change of hue and transition in the image, and analyzes the change in hue between the elements of the image. The bending transformation is used as the feature point for identification, and SURF is an effective improvement of the Scale Invariant Feature Transform (SIFT) algorithm to effectively convert the image data into scales. The characteristic points of degeneration have high invariance to rotation, scale change and luminosity change. SURF is based on the invariance of SIFT feature description, and then shortens the operation speed directly from the shape feature and color of the image. As the criterion for judging the light and dark space, texture or shading, the change rate of hue and transition in the image is emphasized, and the change of hue between the elements of the image and the transition of the object are analyzed as the identification feature.

Basically, NFT's tracking technology is divided into three categories: Low level: Object tracking by a series of Low level features, mainly for the processing of scenery, and can be adapted according to the cluster of features. Correction; Strictly Model Based: Applying the characteristics of Model Based to object tracking, first assume the type of moving object, then compare each new image, when the object in the new image and The assumed model's similarity is above the set threshold (Threshold), that is, it is recognized as a moving object; High Level: usually uses a fast initialization program to first establish the background image of the object to be measured. The image is compared with the image captured later, and a changed temporary storage area is obtained through the initialization operation until a stable change region is obtained. The SURF feature matching algorithm can solve the problem of cumulative error in operation. The detection of feature points is based on Hessian matrix detector, using its good positioning performance to determine the position and scale, and using the random sampling consistency calculation in the matching process. Better results can be achieved with matching points used to eliminate errors.

Based on the aforementioned image recognition technology, the system provides a process of multiple verification and identification of consumer identity to ensure the rights of consumers and merchants. According to the existing domestic and international practices, when consumers use mobile phone 1D or 2D barcodes to conduct business commerce or payment to merchants At the time, the merchant is incapable of identifying the true meaning of the bar code in the first place.

The present invention proposes a self-portrait image of each person, together with the image identification code finally generated by the system, and uses the dual verification and identification of the identity. When the consumer uses the mobile phone to conduct business commerce or payment to the merchant, the merchant passes through Your own reader (Reader) will see the consumer's image identification code (including my own selfie), so that it will effectively eliminate the merchant's possible bad debts when accepting mobile business or payment. With the doubts about the validity of the transaction, and when the consumer makes a payment on the mobile phone, the consumer must re-enter the transaction password on the mobile phone to form a third verification procedure, which will effectively ensure the rights of the consumer and the merchant.

(1) First verification and second verification: Consumers need to download and install the application APP of the system, then take the self-timer of the mobile phone and enter the credit card holder's name, address, card number and expiration date. After inputting relevant information, upload to the system; for each card input by the consumer, the system will provide a set of self-portrait image images after image recognition (first re-confirmation), combined with the authentication code generated by the system. (Example: XXXX-XXXXXX), where the authentication code will consist of a mixture of English letters and numbers, the content will at least contain the bank used for registration, the date of application and the hidden check code (second confirmation), and provide a set The transaction password you need to enter each time you pay, and then pass it back to the customer's mobile phone.

(2) Third verification: Every time a consumer makes a payment by mobile phone, the above transaction password must be entered as the third confirmation to ensure the interests of the merchant and the consumer.

The video call function embedded in the mobile phone APP is mainly composed of a mobile phone, a wireless base station, a central server, a central database, a login server and a video management server, wherein any mobile phone has wireless Internet access. A device with a call function such as a smart phone of the function (2G/3G/4F/WiFi); the wireless base station can be any wireless communication system The base station can only support the aforementioned mobile phone to achieve the wireless networking function; the central server is used to implement state maintenance, identity inquiry and maintenance on the mobile terminal user line, temporary storage and forwarding of instant messaging, and data transfer service; The database stores the identity data of the consumer, the addition, retrieval, update and deletion of the overall system data exchange and data transmission; the login server is used to confirm the validity of the identity of the mobile terminal user; the video management server It is used to support the use of video calling functions by mobile phone users.

In addition, the image recognition service system for mobile business identity verification is more secure than ordinary credit cards. It is more difficult to steal account information by illegal instruments. Once lost, it can also be retrieved through the positioning system and remotely operated. By deleting the program and data in the mobile phone, and immediately applying to suspend the continued use of the lost mobile phone, and if the suspended mobile phone is used by other people in the merchant, the system will issue the mobile business and payment activities. The warning message is given to the merchant to show that the ongoing transaction is a problem, thereby improving the security of the use of mobile commerce and payment.

The technical features and methods of the present invention have been briefly described above, and those skilled in the art should understand that the concepts and specific embodiments disclosed below may be modified as a basis and relatively easily, or other structures may be designed. For the purposes of this creation, such equivalent construction is not inconsistent with the spirit and scope of the present invention as set forth in the appended claims.

10‧‧‧Video call interface

20‧‧‧Video Management Server

30‧‧‧Wireless base station

100‧‧‧ consumer terminal devices

101‧‧‧ Camera lens module

102‧‧‧Input and output modules

103‧‧‧Transmission module

104‧‧‧Screen display module

105‧‧‧Data Storage Management Module

200‧‧‧Business payment transaction device

201‧‧‧ Camera lens module

202‧‧‧Input and output modules

203‧‧‧Transmission module

204‧‧‧Screen display module

205‧‧‧Printing module

206‧‧‧Management module

300‧‧‧Main system background management

301‧‧‧Input and output module

302‧‧‧Transmission module

303‧‧‧Image recognition module

304‧‧‧Image database

305‧‧‧System Authentication Code Generation Module

306‧‧‧Transaction password generation module

307‧‧‧Image ID generation module

308‧‧‧Screen display module

309‧‧‧Center Server

310‧‧‧Login server

311‧‧‧ Central Library

400‧‧‧Network

500‧‧‧ consumer terminal devices

Figure 1 shows the image recognition features of the self-photograph taken by the consumer before and after the image recognition.

Figure 2 is a schematic diagram showing the mobile phone screen when the consumer starts the application in the image identification service system for the identification of the mobile business identity.

Figure 3 is a schematic diagram showing the image recognition code generated by the mobile terminal in the image identification service system for mobile business identity verification.

Figure 4 is a schematic diagram showing the generation of transaction passwords on the mobile terminal in the image identification service system for mobile business identity verification.

Figure 5 is a schematic diagram showing the change of the transaction password service in the mobile terminal in the image identification service system for the identification of the mobile business identity.

Figure 6 is a flow chart showing an image identification service and a transaction password for forming an identity verification in an image identification service system for mobile business identity verification.

Figure 7 is a flow chart illustrating the execution of a transaction password to form an identity verification in an image identification service system for mobile business identity verification.

Figure 8 is a schematic diagram showing the screen of the embedded video call function in the mobile APP.

Figure 9 is a diagram showing the architecture of the image identification service system for mobile business identity verification.

Figure 10 is a diagram showing the system architecture of the embedded video call function in the mobile APP.

To clarify the method of the present invention and the efficacies and effects that can be achieved, the following feasible embodiments are described in detail with reference to the accompanying drawings, and the specific details are all provided for the complete understanding of the creation, that is, the creation does not require these details. Can achieve.

The first figure illustrates the self-photographing of the consumer, and the image recognition features appearing in the self-photographing before and after the image recognition, wherein the left self-photograph is the original image, and the right self-photograph is the image recognition. Processed image as an image confirmed by mobile business identity The identity verification and identification use of the identification service system, wherein the "+" symbol distributed in the hair and the facial features displayed in the left image is the feature point.

Figure 2 is a schematic diagram showing the mobile phone screen when the consumer starts the application in the image identification service system for the mobile business identity verification. Once the consumer downloads the APP, the consumer will be required to input the personal self-portrait image and the credit card related information, and Align the self-photograph taken by the camera lens of the mobile phone or the mobile device into the largest dotted box, and input the mobile phone number, the credit card number, the valid year and month, and the back of the card according to the screen prompts. After three digits of the number, and confirmed by the inspection, it is transmitted to the system.

Figure 3 is a schematic diagram showing the image recognition service generated by the mobile terminal in the image recognition service system for the identification of the mobile business identity. This figure is shown in the above figure 2, after the consumer uploads the self-timer image and the system image is recognized. A schematic diagram of a mobile phone screen that combines the authentication code generated by the system with the image identification code returned to the consumer, wherein the authentication code (for example: XXXX-XXXXXX) is composed of a mixture of English letters and numbers, and the content at least includes the bank used for registration. The date of application and the hidden check code form a mechanism for dual verification and identification of identity. In addition, the “group chat” function key indicated by the red dotted line at the bottom of the mobile phone screen is the video call function embedded in the mobile phone APP, which can provide the consumer or the merchant to contact with the relevant unit.

Figure 4 is a schematic diagram showing the mobile terminal generating a transaction password in the image identification service system for the mobile business identity verification. When the consumer completes the application process of the image identification code, the system will generate a set of six-digit transaction passwords ( For example: XXXXXX), that is, every time a consumer uses mobile commerce or payment, the transaction password must be entered. This is the third method of identity verification and identification proposed by the method to ensure the interests of merchants and consumers. The system also provides consumers with the service to change the password of this transaction to facilitate consumer memory.

Figure 5 is a schematic diagram showing the change of the transaction password service on the mobile terminal in the image identification service system for the mobile business identity verification, wherein the mobile phone screen will guide the consumer to input the system authentication code, the original transaction password and the new transaction password respectively. Times) to complete the change process of the transaction password.

Figure 6 is a flow chart illustrating an image identification service system for identifying a mobile business identity. In one embodiment, a method for generating an image identification code and a transaction password to form an identity verification is provided. The consumer downloads the APP to use the image identification code. (Step S100), the APP screen will ask the consumer to perform the work of the personal self-portrait image (step S101), and according to the prompt of the mobile phone screen, input the mobile phone number, the card number of the credit card, the effective year and month, and the three code numbers on the back of the card (steps) S102), and the check is confirmed to be transmitted to the system end (step S103). If there is a data input error or if the image is to be retaken, then return to S101, and once the user sends the data, the system will perform the image for the personal image. Analysis and identification, with texture and corner as the benchmark for image recognition (step S104), focusing on the rate of change of hue and transition in the image, analyzing the change of hue between the elements of the image and the transformation of the object to be used as the identification feature. (Step S105), then the system will judge whether the data retrieval and analysis has been completed (Step S106), and when the system determines No, it will return to Step S101, requesting The fee is re-entered. If the system determines Yes, that is, the data has been established, the system will generate the system authentication code, transaction password and image identification code (step S107), and store all the data to the central data of the system. The library (step S108), at the same time, the system also returns to the consumer image identification code (step S109) containing the self-timer image and the transaction password (step S110), the system will also prompt the consumer whether they are willing to replace the transaction password (step S111) If the consumer selects No, the job ends. If Yes is selected, the phone screen will ask the consumer to enter the system authentication code and two new transaction passwords (step S112), and the system will update the new transaction password to Central database, and end the operation process; step S119 The video call function embedded in the mobile phone APP for the service method is an independent subsystem, and has no direct relationship with the image identification service system for the mobile business identity verification. When designing the system, the application only needs to be used in the mobile APP. The application programming interface (API) can call the video function program to directly contact the relevant units and personnel when the user has any problems during the operation.

Figure 7 is a flow chart showing an embodiment of an image identification service system for verifying an operational business identity. In an embodiment, a transaction password is executed to form an identity verification flow. When a consumer initiates a payment action with a mobile phone (step 200), the mobile phone is associated with the merchant. The pre-prepared reader performs the verification action (step 201), and the reader starts to read the image identification code of the mobile phone end (step 202), at which time the system will obtain the information according to the reader in the central database. Performing data comparison (step 203), if the two image recognition codes are inconsistent, the transaction is rejected (step 204), and the system will notify the merchant to confirm whether the personal image of the mobile phone is consistent with the user (steps) 205), if it is inconsistent, the transaction is ended, if it is consistent, the consumer is asked to perform another verification with the reader (step 201); if the image database of the central database and the mobile phone is step 203 When consistent, the screen will ask the consumer to enter the transaction password (step 206), at which point the system will compare the transaction password stored in the central repository (step 207), if the two are inconsistent, then reject The transaction (step 208), if the two are consistent, the process of completing the payment of the action by the consumer is completed (step 209); the step S119 is the video call function embedded in the mobile phone APP by the service method, which is a The independent subsystem has no direct connection with the image recognition service system for mobile business identity verification. When designing the system, it only needs to use the application interface API in the mobile APP to call the video function program to operate as a consumer. If there is any problem in the process, you can directly contact the relevant units and personnel.

Figure 8 is a schematic diagram showing the screen of the embedded video call function in the mobile phone APP. When the user has any problems during the operation, the group chat function button at the bottom of the mobile phone screen can be directly pressed to perform the service with the service personnel. contact.

Figure 9 is a diagram showing the architecture of the image identification service system for the identification of the mobile business identity. The system architecture is mainly composed of four parts: the consumer terminal device 100, the merchant payment transaction device 200, the main system background management 300 and the network 400. :

(1) The consumer terminal device 100 is a mobile phone, which comprises a camera lens module 101, an input/output module 102, a transmission module 103, a screen display module 104 and a data storage management module 105. The camera lens module 101 is responsible for capturing personal self-portrait images; the input/output module 102 is used for inputting a mobile phone number, a credit card number, a valid year and month, and a three-digit number on the back of the card, and the like. Receiving data data from the merchant payment transaction device 200 and the main system background management 300; the transmission module 103 is a wired or wireless transmission environment, and is responsible for the data connection with the merchant payment transaction device 200 and the main system background management 300 for Updating and accessing the images, passwords and data related to the mobile phone consumer terminal device 100, and simultaneously completing the pre-application operation of the service through the download of the APP, and obtaining the transmission device of each password; the screen display module The 104 series shows any relevant images, passwords (image identification codes and transaction passwords, etc.) in the image identification service system of this mobile business identity verification. The data storage management module 105 is used for storing and managing any related images, passwords (image identification codes, transaction passwords, etc.) and other data in the image identification service system of the mobile business identity verification. ;

(2) The merchant's payment transaction device 200 is an image recognition code reader, mainly consisting of a camera lens module 201, an input and output module 202, and a transmission mode. The group 203 is composed of a screen display module 204, a print module 205 and a management module 206. The camera lens module 201 is responsible for reading the password (image identification code, etc.) contained in the consumer terminal device 100. The information input and output module 202 is used for transmitting and receiving transaction password data from the consumer terminal device 100, and various data data of the main system background management 300; the transmission module 203 is a wired or wireless transmission environment. The terminal device 100 responsible for and the consumer and the transmission device from the main system background management 300 for transmitting a password (image identification code and transaction password, etc.) from the consumer terminal device 100; the screen display module 204 Display any relevant images, passwords (image identification codes and transaction passwords, etc.) and other data in the image identification service system of this mobile business identity verification; print module 205 series printing and this mobile business identity verification In the image recognition service system, the transaction message data should be provided to the consumer; the management module 206 is used to store and manage the image identification service of the business identity verification of the action. The message transaction system, but not the password from the consumer terminal apparatus 100 (image recognition code and transaction code, etc.), and when the system management response (the Response) warning notification of refusal of the transaction message;

(3) The main system background management 300 is mainly composed of an input/output module 301, a transmission module 302, an image recognition module 303, an image database 304, a system authentication code generation module 305, and a transaction. The password generating module 306, an image identification code generating module 307, a screen display module 308, a center server 309, a login server 310 and a central database 311, wherein the input and output module 301 is For inputting and outputting various data materials from the consumer terminal device 100 and the merchant payment transaction device 200; the transmission module 302 refers to a wired or wireless transmission environment, and is responsible for the payment device with the consumer terminal device 100 and the merchant. 200 data link The image recognition module 303 performs an image recognition and encoding operation on the self-timer image from the consumer terminal device 100, and obtains the result of the feature point as a part of the image recognition code. The image database 304 is only used to store the original self-portrait image of the consumer, and the database of the image after the image recognition processing; the system authentication code generation module 305 is used for the credit card uploaded by the consumer. Data, through the system authentication module to generate a ten-digit password composed of a mixture of English letters and numbers, the content will at least include the bank used for registration, the date of application and the hidden check code; the transaction password generation module 306 refers to the system generated A set of six-digit passwords consisting of a mixture of English letters and numbers, as a third-party identity verification and identification process for each transaction transaction and payment; image identification code generation module 307 refers to system generation a self-timer image processed by image recognition, combined with a system authentication code generated by the system authentication code generation module 305, combined image identification code; screen display mode The 308 series displays any relevant images, passwords (image identification codes, transaction passwords, etc.) and other data in the image identification service system of the mobile business identity verification; the central server 309 is used as the main system management resource. Providing storage and data processing to other servers and databases through the network, and implementing state maintenance, identity query and maintenance, and data transfer services on the consumer terminal device 100 and the merchant payment transaction device 200; the login server 310 In order to confirm the validity of the user's identity, and agree to use the mobile business service; the central database 311 is used to provide the storage and management purposes of the overall data, the content of which includes the database status (normal, suspended, expired, stopped), servo Information such as IP, start time, and database user name.

(4) The network 400 is a wired or wireless transmission environment or infrastructure for providing the consumer terminal device 100, the merchant payment transaction device 200, and the main system background management 300 to link various materials and data.

Figure 10 is a diagram showing the system architecture of the embedded video call function in the mobile APP. This video call function can be regarded as a separate subsystem. The design only needs to use the application interface API to call the video function program in the mobile APP. Yes, but the server and database in the system are integrated, mainly by a video call interface 10, a video management server 20, a wireless base station 30, a consumer terminal device 100, a consumer The terminal device 500, the central server 309, a login server 310, a central database 311 and a network 400 are formed, wherein the video communication interface 10 is a group chat function button in the mobile phone screen, when the consumer needs When the function key is pressed, the video call can be performed; the network 400 is a wired or wireless transmission environment or infrastructure for providing the consumer terminal device 100, the merchant payment transaction device 200 and the main system background management 300. The connection between various data and data; the server is a system management resource, and the computer system that can provide services to other machines or devices through the network, and is a node on the network. The storage and processing data on the network is provided, and the central server 309 serves as a main system management resource, and provides storage and data processing to other servers and databases through the network, and implements state maintenance and identity inquiry on the consumer line. And maintenance, data transfer service, and can optimize and manage the entire mobile video platform; the login server 310 is used to confirm the validity of the mobile phone user identity and agree to enter the system; the video management server 20 is used as a support mobile phone The user uses the video call function; the central database 311 serves as the storage and management purpose for providing the overall data, and the content thereof includes the database status (normal, pause, expired, stop), server IP, start time, database user Name and other information; wireless base station 30 can be any kind of wireless communication system base station, as long as it can support the mobile phone to achieve wireless networking function; consumer terminal devices (100, 500) as long as any one on the market has wireless Internet access Video-enabled smart phones and other devices are available.

100‧‧‧ consumer terminal devices

101‧‧‧ Camera lens module

102‧‧‧Input and output modules

103‧‧‧Transmission module

104‧‧‧Screen display module

105‧‧‧Data Storage Management Module

200‧‧‧Business payment transaction device

201‧‧‧ Camera lens module

202‧‧‧Input and output modules

203‧‧‧Transmission module

204‧‧‧Screen display module

205‧‧‧Printing module

206‧‧‧Management module

300‧‧‧Main system background management

301‧‧‧Input and output module

302‧‧‧Transmission module

303‧‧‧Image recognition module

304‧‧‧Image database

305‧‧‧System Authentication Code Generation Module

306‧‧‧Transaction password generation module

307‧‧‧Image ID generation module

308‧‧‧Screen display module

309‧‧‧Center Server

310‧‧‧Login server

311‧‧‧ Central Library

400‧‧‧Network

Claims (8)

An image identification service system for confirming mobile business identity mainly utilizes image recognition technology, directly adopts a self-portrait image of a consumer, and combines an authentication code provided by the system to form a final image identification code, and the system includes: at least one The consumer terminal device (100) is connected to a main system background management (300) by a network (400) and a merchant payment transaction device (200), each of the consumer terminal devices (100) comprising: a camera The lens module (101) is used for capturing a personal self-portrait image; an input/output module (102) for inputting a mobile phone number, a credit card number, a valid year and month, and a three-digit number on the back of the card. Used, and receiving data data from the merchant payment transaction device (200) and the main system background management (300); a transmission module (103) for responsible for wired or wireless signal transmission, responsible for merchant payment transaction device (200) is linked with the main system background management (300) for updating and accessing images, passwords and data related to the consumer terminal device (100), and at the same time, starting the download through the APP to complete the service. A pre-application operation and obtaining a transmission device for each password; a screen display module (104) for displaying any relevant image and password (image recognition) in the image identification service system of the mobile business identity verification Code and transaction password, etc., and other data; a data storage management module (105) for storing and managing any associated image and password in the image identification service system of the mobile business identity verification (image recognition) Code and transaction password, etc. and other data; at least one merchant payment transaction device (200) is connected to the consumer terminal device (100) by a network (400) and a main system background management (300), each The merchant pays the transaction The device (200) is an image recognition code reader comprising: a camera lens module (201) for reading a message from a password (image identification code, etc.) contained in the consumer terminal device (100); An input/output module (202) for transmitting and receiving transaction password data from the consumer terminal device (100), and various data data of the main system background management (300); a transmission module (203), utilizing A wired or wireless transmission environment, responsible for communicating with the consumer's terminal device (100) and from the main system background management (300) for transmitting a password from the consumer terminal device (100) (image identification code and a transmission device, such as a transaction password; a screen display module (204) for displaying any relevant images, passwords (image identification codes, transaction passwords, etc.) and others in the image identification service system of the mobile business identity verification Data, etc.; a printing module (205), a series of printing and business identity verification image identification service system, should provide the transaction information data to the consumer; a management module (206), management module (206) ) is used to store and manage this action business Corresponding transaction information in the confirmed image recognition service system, but without the password (image identification code and transaction password, etc.) from the consumer terminal device (100), and managing the system response (Response) to reject the transaction Warning notification at the time of the message; at least one main system background management (300) is connected to the merchant payment transaction device (200) by a network (400) and the consumer terminal device (100), each main system background management (300) The system includes: an input/output module (301) for inputting and outputting various data materials from the consumer terminal device (100) and the merchant payment transaction device (200); a transmission module (302) refers to Responsible for the use of wired or wireless transmission environments a transmission device for connecting the merchant terminal device (100) with the merchant payment transaction device (200); an image recognition module (303) for performing self-portrait images from the consumer terminal device (100) Identify and encode the job and obtain the result of the feature point as part of the image recognition code; an image database (304) is used to store the consumer's original self-timer image, and the map A database for identifying the processed image; a system authentication code generation module (305) for generating a ten-characterized combination of English letters and numbers through the system authentication module according to the credit card data uploaded by the consumer The digit password, the content will at least include the bank used for registration, the date of application and the hidden check code; a transaction password generation module (306), which refers to a set of six digits generated by the system consisting of a mixture of English letters and numbers. The password is used as the process of third identity verification and identification for each transaction transaction and payment; an image identification code generation module (307) refers to the system generating a self-timer image after image recognition processing. image , combined with the system authentication code generated by the system authentication code generation module (305), the combined image identification code; a screen display module (308), which is displayed in the image identification service system of the mobile business identity verification , any related images, passwords (image identification code and transaction password, etc.) and other data; a central server (309), as the main system management resources, through the network to other servers and databases Providing storage and data processing, and implementing state maintenance, identity query and maintenance, and data transfer service on the consumer terminal device (100) and the merchant payment transaction device (200); A login server (310) is used to confirm the validity of the user identity and agrees to use the mobile business service; a central database (311) is provided for providing storage and management purposes of the overall data, the content thereof Contains database status (normal, pause, expired, stopped), server IP, start time, database user name, etc.; and a network (400) refers to wired or wireless transmission environment or infrastructure, The utility model provides a consumer terminal device (100), a merchant payment transaction device (200), and a main system background management (300) for connecting various materials and data. For example, an image recognition service system for mobile business identity verification according to claim 1 of the patent application system uses image recognition technology to directly form a final image recognition by using a self-portrait image of a consumer and an authentication code provided by the system. The code, combined with the transaction password generated by the system, forms a service method for triple identity verification applied in mobile commerce: (1) first re-confirmation and second re-confirmation: consumers need to download and install the application of the system first. APP, then take the self-timer method of the mobile phone, and input the credit card holder's name, address, card number and expiration date, etc., and wait until the relevant information is input, upload it to the system; for each card input by the consumer, the system will provide A set of self-portrait images after image recognition (first re-confirmation), combined with the authentication code generated by the system (second re-confirmation), to form the final image identification code; at the same time, the system will provide another set of each time. When paying, the required transaction password is sent back to the customer's mobile phone; (2) The third verification: every time the consumer makes a payment on the mobile phone, he must input the payment. Password to complete the activity or mobile commerce payments. An image recognition service system for mobile business identity verification according to claim 1, wherein the image recognition technology is mainly based on a Natural Feature Tracking (NFT) and a Speeded Up Robust Feature (SURF) method. Directly by graph The shape characteristics, color, light and dark space, texture or shading of the image are used as the criterion for judging the rate of change of hue and transition in the image, and the change of hue between the elements of the image and the transition of the object are analyzed as the identification feature. An image recognition service system for confirming an action business identity according to claim 2, wherein the consumer uploads a self-timer image to identify the authentication code generated by the system, wherein the authentication code (for example: XXXX-XXXXXX) is a ten-digit password composed of a mixture of English letters and numbers. The content includes the bank used for registration, the date of application and the hidden check code, and forms a mechanism for dual verification and identification of identity. An image recognition service system for mobile business identity verification according to claim 2, wherein when the consumer completes the application process of the image identification code, the system generates a set of six-digit transaction passwords (for example: XXXXXX), that is, every time a consumer uses mobile commerce or payment, the transaction password must be entered. This is the third method of identity verification and identification proposed by this method to ensure the interests of merchants and consumers. An image recognition service system for confirming the business identity of the mobile phone as claimed in claim 2, wherein when the consumer loses the mobile phone and applies to stop the mobile business use, if the suspended mobile phone is used by another person in the merchant, once When conducting business commerce and payment activities, the system will issue a warning message to the merchant to show that the ongoing transaction is a problem, thereby improving the security of mobile commerce and payment. For example, the image identification service system for the mobile business identity verification according to the first application of the patent scope, wherein the image identification service system of the mobile business identity card simultaneously provides a video call function embedded in the mobile phone APP, which is a Independent subsystem, when designing the system, you only need to use the application interface API in the mobile APP to call the video function program. An image recognition service system for confirming an operational business identity as described in claim 7 wherein the system for embedding the video call function in the mobile APP mainly includes a video call interface. (10) is the group chat function key in the mobile phone screen; the central server (309) is used as the main system management resource, and provides storage and data processing to other servers and databases through the network, and realizes on the consumer line. Status maintenance, identity query and maintenance, data transfer service, and optimization and management of the entire mobile video platform; login server (310) is used to confirm the validity of the mobile phone user identity and agree to enter the system; video management servo (20) is used to support mobile phone users to use the video call function; the central database (311) is used to provide storage and management purposes for the overall data.