CN103646328A - Camera-based security payment method - Google Patents
Camera-based security payment method Download PDFInfo
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- CN103646328A CN103646328A CN201310655414.3A CN201310655414A CN103646328A CN 103646328 A CN103646328 A CN 103646328A CN 201310655414 A CN201310655414 A CN 201310655414A CN 103646328 A CN103646328 A CN 103646328A
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- electric terminal
- credit card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
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Abstract
Disclosed in the invention is a camera-base security payment method. The camera is arranged at an electronic terminal of a user; and the electronic terminal includes positioning equipment. The method comprises the following steps that: the electronic terminal carries out equipment authority verification according to positioning information of the positioning equipment and media access control (MAC) address of the terminal itself; after the equipment authority verification is done successfully, the camera is started automatically and carries out scanning on a credit card belonging to the user; image processing is carried out on scanning data to obtain user credit card information; and on the basis of combination of a payment password inputted by the user, payment is completed at a remote payment server. According to the security payment method, before the camera scans the credit card information of the user, the step of equipment authority verification of the payment equipment is added, thereby improving usability, portability and security of electronic transaction of the user. Meanwhile, because of the special image processing algorithm, high-efficiency identification of credit card data is realized.
Description
Technical field
The present invention relates to E-Payment field, relate in particular to a kind of safe payment method based on camera.
Background technology
Along with scientific and technological development, the software and hardware of electric terminal has met the various demands of paying by mails, and the mode paying by electric terminal is more and more subject to businessman, consumer's favor as emerging consumption clearing form.Nowadays, completing the E-Payment behaviors such as water power coal is paid the fees, shopping in PC or on mobile phone, is no longer strange thing.Meanwhile, the safety of silver-colored Conduct Protection payment process, has released the means such as the brushing card device of USB Key, E-token dynamic password card, audio interface and digital certificate, to facilitate user to realize E-Payment.But, these E-Payment means, the device that it uses, some is external hardware device, user not only needs, outside association's use, also must carry just and can complete payment, certain burden of bringing to user; Some needs user to carry out complicated operation, especially for mid-aged population, is difficult to Fast Learning and operation, causes its ease for use greatly to reduce.
In prior art, in order to overcome the defect of above-mentioned E-Payment means, propose a kind of camera that uses the data of subscriber signal card have been carried out to rapid scanning, and coordinated the payment cipher that user inputs to realize the scheme of paying by mails.Because camera has been mobile phone and the common configuration of most of computer, utilize camera dynamic acquisition user's credit card information, and extract, differentiate the effective information in image by image recognition technology and special algorithm, complete payment transaction, to carry again any external unit without user, and only credit card need be shown before camera, can complete transaction, greatly having improved the convenience paying, is the fabulous solution of following mobile payment and small amount payment direction.But also there is drawback in such E-Payment means based on camera, for example, use any electric terminal that carries camera to operate, security is not high, and existing image processing algorithm scan efficiency is not high, easily causes paying by mails unsuccessfully.
Therefore, need a kind of security higher and pay the effectively method of payment based on camera, on realization pays easily basis, improve the security and the high efficiency that pay, thereby meet user's various demands, expand fast the corresponding market of paying by mails.
Summary of the invention
The not high and lower technical matters of payment efficiency for the existing method of payment security based on camera, the invention provides a kind of safe payment method based on camera, make on the basis of the existing payment scheme based on camera, increased the equipment Authority Verification step of the electric terminal to paying, assist and with efficient data identification means, the data of user credit card are identified simultaneously, thereby when not affecting the convenience of the E-Payment based on camera, ensure safety and efficiency that user pays, for the rights and interests of user and businessman provide effective barrier.
To achieve these goals, the invention provides a kind of safe payment method based on camera, described camera is arranged on user's electric terminal, described electric terminal comprises positioning equipment and memory device, described positioning equipment is connected with described memory device, and described method comprises, described electric terminal startup E-Payment, extract the media interviews of described electric terminal and control MAC Address, and by described positioning equipment, obtain the locating information of described electric terminal; Described electric terminal is stored in described MAC Address and described locating information in described memory device, and described MAC Address and described locating information are sent to far-end paying server carries out equipment Authority Verification; Described electric terminal receives the equipment Authority Verification result that described far-end paying server returns, described equipment Authority Verification result is not for by when checking, described electric terminal finishes described E-Payment, described equipment Authority Verification result is while passing through checking, described electric terminal is opened described camera automatically, and described in reminding user, camera is opened; Described camera is taken the credit card that user shows, obtains the coloured image of credit card; Described electric terminal changes into gray image by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and from described character information, extract the user data of credit card, described electric terminal sends to described far-end paying server by described user data and carries out obligation authority checking, and described user data comprises card number, the card term of validity and holder name; Described electric terminal receives the obligation authority the result that described far-end paying server returns, described obligation authority the result is not for by when checking, described electric terminal finishes described E-Payment, described obligation authority the result is that while passing through checking, described electric terminal request user inputs payment transaction password; Described electric terminal sends to described far-end paying server by the payment transaction password of user's input and pays; Described electric terminal receives the payment result that described far-end paying server returns.
Alternatively, described electric terminal sends to described MAC Address and described locating information after far-end paying server carries out equipment Authority Verification, when described far-end paying server all passes through checking in described MAC Address and described locating information, just return to the described equipment Authority Verification result by verifying.
Alternatively, after described electric terminal request user inputs payment transaction password, described electric terminal receives user by the payment transaction password of keyboard, soft keyboard or touch-screen input.
Alternatively, described electric terminal changes into gray image by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and the user data that extracts credit card from described character information comprises, described electric terminal changes into gray image by built-in image processing equipment by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and from described character information, extract the user data of credit card.
The MAC Address of storing in described memory device alternatively, and locating information are for the payment information inquiry after having paid.
Alternatively, described positioning equipment is GPS positioning equipment, GLONASS positioning equipment, Galileo positioning equipment or big-dipper satellite positioning equipment.
The present invention is owing to having adopted technique scheme, thereby have the following advantages: the safe payment method based on camera of the present invention, transformed the payment mode based on camera in prior art, by increasing the equipment Authority Verification step of camera place electric terminal, improve the security of paying by mails, by comprising the credit card view data processing means of bayesian algorithm, increase the success ratio of paying by mails, fully ensured the rights and interests of user and businessman.
Accompanying drawing explanation
Fig. 1 is the method flow diagram of a kind of safe payment method based on camera of the present invention;
Fig. 2 is the structural representation that uses the electric terminal of a kind of safe payment method based on camera of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described in detail.
First, please refer to Fig. 1, Fig. 1 is the method flow diagram of a kind of safe payment method based on camera of the present invention, and described safe payment method comprises the following steps:
Step 101: described electric terminal starts to be paid by mails, extracts the media interviews of described electric terminal and controls MAC Address, and by described positioning equipment, obtain the locating information of described electric terminal, forwards step 102 to;
Step 102: described electric terminal is stored in described MAC Address and described locating information in described memory device, and described MAC Address and described locating information are sent to far-end paying server carry out equipment Authority Verification, forward step 103 to;
Step 103: described electric terminal receives the equipment Authority Verification result that described far-end paying server returns, by jumping to step 105, not by jumping to step 104;
Step 104: described electric terminal finishes described E-Payment;
Step 105: described electric terminal is opened described camera automatically, and described in reminding user, camera is opened, and forwards step 106 to;
Step 106: described camera is taken the credit card that user shows, obtains the coloured image of credit card, forwards step 107 to;
Step 107: described electric terminal changes into gray image by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and from described character information, extract the user data of credit card, described electric terminal sends to described far-end paying server by described user data and carries out obligation authority checking, described user data comprises card number, the card term of validity and holder name, forwards step 108 to;
Step 108: described electric terminal receives the obligation authority the result that described far-end paying server returns, by jumping to step 109, not by jumping to step 104;
Step 109: described electric terminal request user inputs payment transaction password, forwards step 110 to;
Step 110: described electric terminal sends to described far-end paying server by the payment transaction password of user's input and pays, and forwards step 111 to;
Step 111: described electric terminal receives the payment result that described far-end paying server returns.
Wherein, described electric terminal sends to described MAC Address and described locating information after far-end paying server carries out equipment Authority Verification, when described far-end paying server all passes through checking in described MAC Address and described locating information, just return to the described equipment Authority Verification result by verifying; After described electric terminal request user inputs payment transaction password, described electric terminal receives user by the payment transaction password of keyboard, soft keyboard or touch-screen input; Described electric terminal changes into gray image by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and the user data that extracts credit card from described character information comprises, described electric terminal changes into gray image by built-in image processing equipment by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and from described character information, extract the user data of credit card.Wherein, the MAC Address of storing in described memory device and locating information are for the payment information inquiry after having paid, and described positioning equipment is GPS positioning equipment, GLONASS positioning equipment, Galileo positioning equipment or big-dipper satellite positioning equipment.
In addition, Beidou satellite navigation system is the Chinese independent development capability of implementing, the GPS (Global Position System) of independent operating.System Construction target is: build up independent, open compatible, advanced technology, reliable and stable Beidou satellite navigation system covering the whole world, promote satellite navigation industrial chain to form, forming perfect national satellite navigation application industry supports, promote and security system, promote satellite navigation in the widespread use of national economy society every profession and trade, Beidou satellite navigation system is by space segment, ground segment and user segment three parts form, space segment comprises 5 satellites and 30 non-geo satellites, ground segment comprises master station, several land stations such as injection plant and monitoring station, user segment comprise Big Dipper user terminal and with the terminal of other satellite navigation system compatibilities.GPS is that 20 century 70s are by the Aerospace Satellite navigation positioning system of new generation of U.S. land, sea, and air joint research and development, its fundamental purpose is to provide real-time, round-the-clock and global navigation Service for San great field, land, sea, air, and for some military purposes such as information acquisition, Nuclear detonation monitoring and emergency communications, be the important composition that the U.S. dominates global strategy exclusively.Through the research experiment of more than 20 years, 30,000,000,000 dollars of costs, in March, 1994, up to 24 gps satellite constellations of 98%, oneself has laid Global coverage rate.Galileo positioning system is global position system just under construction of European Union, outside the existing gps system of the Ye Shiji U.S. and Muscovite GLONASS navigational system, the 3rd can be for civilian use positioning system, the basic service of Galileo system has navigation, location, time service; Special service has search and rescue aid; Expanded application service system has application, safe railway operation scheduling, marine transportation system, land fleet transportation dispatching, the precision agriculture in aircraft navigation and landing system, on January 7th, 2010, EU Committee claims, the Galileo positioning system of European Union will put into effect from 2014.Russia's GLONASS navigational system is comprised of 24 satellites, and precision is 10 meters of left and right, dual-use, and design service range in the end of the year 2009 is extended to the whole world.
In addition, image binaryzation is exactly that the gray-scale value of the pixel on image is set to 0 or 255, namely whole image is presented to obvious black and white effect.The gray level image of 256 brightness degrees is chosen and obtained the binary image that still can reflect integral image and local feature by suitable threshold value.In Digital Image Processing, bianry image occupies very important status, and first, the binaryzation of image is conducive to the further processing of image, and image is become simply, and data volume reduces, and can show the profile of interested target.Secondly, carry out processing and the analysis of bianry image, first will, Binary Sketch of Grey Scale Image, obtain binary image.Wherein, bayesian algorithm is a kind of common gray image binary conversion treatment algorithm.
Then, with reference to Fig. 2, the present invention will be described in continuation, Fig. 2 is the structural representation that uses the electric terminal 1 of a kind of safe payment method based on camera of the present invention, described electric terminal 1 comprises camera 11, positioning equipment 12, memory device 13, communication interface 14 and image processing equipment 15, described communication interface 14 is connected with described memory device 13, described positioning equipment 12 is connected with described memory device 13, described image processing equipment 15 and described camera 11, described communication interface 14 connects respectively, described communication interface 14 is connected by communication link with far-end paying server 2, described communication link can be GPRS cordless communication network, 3G cordless communication network or 4G cordless communication network.
Those skilled in the art will recognize that; above-mentioned embodiment is exemplary; in order to make those skilled in the art can better understand this patent content; should not be understood as the restriction to this patent protection domain; so long as disclose spiritual do any according to this patent, be equal to change or modify, all falling into this patent protection domain.
Claims (6)
1. the safe payment method based on camera, described camera is arranged on user's electric terminal, and described electric terminal comprises positioning equipment and memory device, and described positioning equipment is connected with described memory device, it is characterized in that, and described method comprises:
Described electric terminal starts to be paid by mails, extracts the media interviews of described electric terminal and controls MAC Address, and by described positioning equipment, obtain the locating information of described electric terminal;
Described electric terminal is stored in described MAC Address and described locating information in described memory device, and described MAC Address and described locating information are sent to far-end paying server carries out equipment Authority Verification;
Described electric terminal receives the equipment Authority Verification result that described far-end paying server returns, described equipment Authority Verification result is not for by when checking, described electric terminal finishes described E-Payment, described equipment Authority Verification result is while passing through checking, described electric terminal is opened described camera automatically, and described in reminding user, camera is opened;
Described camera is taken the credit card that user shows, obtains the coloured image of credit card;
Described electric terminal changes into gray image by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and from described character information, extract the user data of credit card, described electric terminal sends to described far-end paying server by described user data and carries out obligation authority checking, and described user data comprises card number, the card term of validity and holder name;
Described electric terminal receives the obligation authority the result that described far-end paying server returns, described obligation authority the result is not for by when checking, described electric terminal finishes described E-Payment, described obligation authority the result is that while passing through checking, described electric terminal request user inputs payment transaction password;
Described electric terminal sends to described far-end paying server by the payment transaction password of user's input and pays;
Described electric terminal receives the payment result that described far-end paying server returns.
2. the safe payment method based on camera according to claim 1, is characterized in that:
Described electric terminal sends to described MAC Address and described locating information after far-end paying server carries out equipment Authority Verification, when described far-end paying server all passes through checking in described MAC Address and described locating information, just return to the described equipment Authority Verification result by verifying.
3. the safe payment method based on camera according to claim 1, is characterized in that:
After described electric terminal request user inputs payment transaction password, described electric terminal receives user by the payment transaction password of keyboard, soft keyboard or touch-screen input.
4. the safe payment method based on camera according to claim 1, it is characterized in that, described electric terminal changes into gray image by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and the user data that extracts credit card from described character information comprises:
Described electric terminal changes into gray image by built-in image processing equipment by the coloured image of described credit card, use bayesian algorithm to carry out binary conversion treatment to described gray image, to obtain the character information of credit card, and from described character information, extract the user data of credit card.
5. the safe payment method based on camera according to claim 1, is characterized in that:
The MAC Address of storing in described memory device and locating information are for the payment information inquiry after having paid.
6. the safe payment method based on camera according to claim 1, is characterized in that:
Described positioning equipment is GPS positioning equipment, GLONASS positioning equipment, Galileo positioning equipment or big-dipper satellite positioning equipment.
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| CN201310655414.3A CN103646328A (en) | 2013-12-06 | 2013-12-06 | Camera-based security payment method |
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| CN106603237A (en) * | 2015-10-16 | 2017-04-26 | 中兴通讯股份有限公司 | Security payment method and apparatus |
| CN107622396A (en) * | 2017-09-15 | 2018-01-23 | 深圳怡化电脑股份有限公司 | Self-service dealing method, system and terminal device |
| CN110633984A (en) * | 2019-01-13 | 2019-12-31 | 潘连香 | Payment password extraction platform based on facial recognition |
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