CN103699996A - Payment authentication method based on human biological characteristics - Google Patents

Payment authentication method based on human biological characteristics Download PDF

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Publication number
CN103699996A
CN103699996A CN201210368943.0A CN201210368943A CN103699996A CN 103699996 A CN103699996 A CN 103699996A CN 201210368943 A CN201210368943 A CN 201210368943A CN 103699996 A CN103699996 A CN 103699996A
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China
Prior art keywords
code
card
terminal
background system
partial feature
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Chinese (zh)
Inventor
才华
何朔
鲁志军
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN201210368943.0A priority Critical patent/CN103699996A/en
Publication of CN103699996A publication Critical patent/CN103699996A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

The invention relates to an IC (integrated card) card payment authentication method based on human biological characteristics. The payment authentication method mainly comprises the following steps: a registering step: acquiring registered human biological characteristic information of an IC card owner by a terminal, generating a registered human biological characteristic code, dividing the registered human biological characteristic code into a characteristic code A and a characteristic code B, storing the characteristic code A into an IC card, and storing the characteristic code B into a background system; a comparing step: after initiating a transaction request, combining the characteristic code B stored in the background system and the characteristic code A stored in the IC card by the terminal to generate a temporarily-stored human biological characteristic code, acquiring human biological characteristic information for onsite payment entered by the card owner by the terminal to generate a human biological characteristic code for onsite payment, and reading the temporarily-stored human biological characteristic code and comparing with onsite human biological characteristics by the terminal; an authorizing step: during comparison, sending a comparison result to the background system.

Description

A kind of payment authentication method based on human body biological characteristics
Technical field
The present invention relates to a kind of payment authentication method.More specifically relate to the payment authentication method authenticating based on human body biological characteristics.
Background technology
In the prior art, occurred utilizing fingerprint or referred to that vein is as the method paying according to realization of payment authentication.For example, the utilization of existing mode refers to that the mode that vein pays is divided into three kinds conventionally: 1) finger vein template is stored in terminal, this mode is limited to terminal storage capacity on the one hand, cannot carry extensive information, the security of terminal aspect is lower on the other hand, therefore cannot be applied to financial payment field; 2) finger vein template is stored in background system, under this mode, once background system is broken, may causes template to be replaced on a large scale, cause system-level risk; 3) will refer to the storage of vein template and IC-card, local verification in process of exchange, need not participate on backstage, is similar to a little the checking of IC-card off line, is generally applicable to penny ante, and application is less.
 
Summary of the invention
In view of the above problems, the present invention aims to provide and a kind ofly can effectively improve transaction security and the payment authentication method based on human body biological characteristics convenient to use.
IC-card payment authentication method based on human body biological characteristics of the present invention, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration human body biological information and is generated registration human body biological condition code, and described registration human body biological condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary human body biological characteristics code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment human body biological characteristics information of holder's typing and is generated on-site payment human body biological characteristics code, and terminal reads described temporary human body biological characteristics code and compares with described on-site payment human body biological characteristics code;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
Preferably, in described comparison step, after reading described temporary human body biological characteristics code, delete described temporary human body biological characteristics code.
Preferably, described comparison step comprises successively:
Step (a): swipe the card or plug-in card after terminal initiate transaction request to background system;
Step (b): return to by background system the described B Partial Feature code being stored in background system according to the card number information of IC-card;
Step (c): terminal writes IC-card by the described B Partial Feature code obtaining from background system, by IC-card, by B Partial Feature code and A Partial Feature code combination and form described temporary human body biological characteristics code, described temporary human body biological characteristics code is temporary in IC-card;
Step (d): terminal is obtained holder's payment human body biological information and generated and pays human body biological condition code;
Step (e): read described temporary human body biological characteristics code and with described, described on-site payment human body biological characteristics code compared;
Step (f): delete temporary human body biological characteristics code temporary in described IC-card.
Preferably, in described authorisation step, if compare unsuccessfully in described comparison step, terminal is directly refused to pay.
Preferably, in described registration step, by holder being registered to human body biological information, carry out pre-service and extract condition code generating registrant's body biological condition code, in described step (d), terminal is carried out pre-service and is extracted condition code by the payment human body biological information to holder generating payer's body biological condition code.
IC-card payment authentication method based on referring to vein of the present invention, is characterized in that, comprising:
Registration step, the registration that terminal is obtained IC-card holder refers to venous information and generates registration refer to vein pattern code, and described registration is referred to vein pattern code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates the temporary vein pattern code that refers to by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, the on-site payment that terminal is obtained holder's typing refers to venous information and generates on-site payment refer to vein pattern code, and terminal reads described temporary finger vein pattern code and refers to that with described on-site payment vein pattern code compares;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
IC-card payment authentication method based on fingerprint of the present invention, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registering fingerprint information and is generated registered fingerprint condition code, and described registered fingerprint condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary fingerprint character code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment finger print information of holder's typing and is generated on-site payment fingerprint character code, and terminal reads described temporary fingerprint character code and compares with described on-site payment fingerprint character code;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
IC-card payment authentication method based on palm shape of the present invention, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration palm shape information and is generated registration palm shape condition code, and described registration palm shape condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary palm shape condition code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment palm shape information of holder's typing and is generated on-site payment palm shape condition code, and terminal reads described temporary palm shape condition code and compares with described on-site payment palm shape condition code;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
IC-card payment authentication method based on iris of the present invention, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration iris information and is generated registration iris feature code, and described registration iris feature code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary iris feature code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment iris information of holder's typing and is generated on-site payment iris feature code, and terminal reads described temporary iris feature code and compares with described on-site payment iris feature code;
Result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, by background system, is authorized.
IC-card payment authentication method based on face-image of the present invention, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration facial image information and is generated registration face-image condition code, and described registration face-image condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary face-image condition code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment facial image information of holder's typing and is generated on-site payment face-image condition code, and terminal reads described temporary face-image condition code and compares with described on-site payment face-image condition code;
Result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, by background system, is authorized.
IC-card payment authentication method based on sound of the present invention, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration acoustic information and is generated registration sound characteristic code, and described registration sound characteristic code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary sound characteristic code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment acoustic information of holder's typing and is generated on-site payment sound characteristic code, and terminal reads described temporary sound characteristic code and compares with described on-site payment sound characteristic code;
Result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, by background system, is authorized.
Utilize the IC-card payment authentication method based on human body biological characteristics of the present invention, by human body biological characteristics information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete human body biological characteristics typing, this characteristic breath is carried out to pre-service, extract condition code and carry out condition code comparison by terminal, by these a series of committed steps being concentrated into a bit (in terminal), be conducive to carry out better risk control and management.
 
Accompanying drawing explanation
Fig. 1 means the process flow diagram of key step based on referring to the IC-card payment authentication method of vein of the first embodiment.
Fig. 2 means in the first embodiment and registration is referred to vein pattern code is divided into the schematic diagram that two parts store respectively IC-card and background system into.
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Embodiment
What introduce below is some in a plurality of embodiment of the present invention, aims to provide basic understanding of the present invention.Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
In the present invention, as human body biological characteristics, finger vein, fingerprint, palm shape, iris, face-image, sound have been adopted.To be applied to concrete condition of the present invention to above-mentioned each human body biological characteristics in the following embodiments describes.
 
the first embodiment
In the first embodiment, for utilization, refer to that the method that this biological characteristic of vein pays describes.
Refer to that vein is a kind of biometrics identification technology, it utilizes the vein distributed image in finger to carry out identification.Medical research proves, refers to that the shape of vein has uniqueness and stability, i.e. the distribution of finger vena between difference is completely different, and the vein of left hand and the right hand distributes different, is just the closely similar twinborn identical finger of appearance, refers to also difference of vein distribution; The different finger vena of same person distributes not identical; The vein dimensionally stable of normal adults no longer changes.For finger vena becomes, a kind of biological identification technology that can meet people's " high safety " demand provides scientific basis for these.
Refer to that vein identification technology belongs to test alive technology, itself cannot be stolen and be forged for illegal objective, avoided to a great extent risk hidden danger, its core is according to referring to venous information generating feature code, the matching degree of each comparing feature codes and condition code template completes identification procedure, safety, reliable.But if condition code template is illegally stolen and replaced, security perimeter can thoroughly be broken up, safety problem is following.
The present invention is intended to solve the risk hidden danger that condition code template is illegally stolen and replaced, and improves and refers to that venous information is for the security of payment technical field.Principle of the present invention is as follows: 1) will refer to that venous information is as unique authentication information, and replace traditional checking means such as password; 2), in registration link, it is A part and B part that finger vein pattern code mask is divided into two parts according to certain algorithm, and separately storage, A is partly stored in background system, and B is partly stored in financial IC card, has avoided extensive background system to destroy the risk of bringing; 3) in process of exchange, according to card number, by background system, in answering, return to B part, sending in IC-card and IC-card A partly forms complete condition code information and keeps in, terminal reads the venous information of holder's finger and processes generating feature code, read condition code information complete in IC-card and compare, comparison result being sent to background system after comparing successfully carries out final Trading Authorization.
Under regard to present embodiment the IC-card payment authentication method based on referring to vein be specifically described.Fig. 1 means the process flow diagram of key step based on referring to the IC-card payment authentication method of vein of the first embodiment.Fig. 2 means in the first embodiment and registration is referred to vein pattern code is divided into the schematic diagram that two parts store respectively IC-card and background system into.
The IC-card payment authentication method based on referring to vein of present embodiment, is roughly divided into following steps as shown in Figure 1:
Registration step S101: the registration that registration terminal obtains IC-card holder refers to venous information, carry out pre-service, extract condition code, generate registration and refer to vein pattern code, then, according to certain algorithm, this registration is referred to vein pattern code is divided into A part and B part, is partly stored in A in IC-card, B is partly stored in background system;
Comparison step S102: after initiating transaction request, terminal will be stored in the described B part in background system and be stored in the temporary vein pattern code that refers to of A part combination producing in IC-card, the on-site payment that terminal is obtained holder's typing refers to venous information and carries out the operations such as pre-service, condition code extraction, generate on-site payment and refer to vein pattern code, terminal reads described temporary finger vein pattern code and refers to that with described on-site payment vein pattern code compares;
Authorisation step S103: the result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, is authorized by background system.
In above-mentioned registration step S101, according to certain algorithm, this registration is referred to vein pattern code is divided into A part and B part, in the present invention " necessarily algorithm " specifically do not limited, can be algorithm arbitrarily.For example, can be the most simply that registration is referred to vein pattern code is divided into two, a part is as A part, another part is as B part, or registration is referred to vein pattern code is divided into 3 parts, get the 1st, 3 parts as A part, the 2nd part as B part, or get the 2nd part as A part, the 1st, 3 parts as B part.Certainly, can also take other various algorithms to divide, not exemplify one by one here.
Under regard to comparison step S102 and be elaborated.Comparison step S102 comprises successively and comprising the steps:
Step (a): when paying, swipe the card or plug-in card after, terminal is initiated transaction request to background system;
Step (b): background system, according to the transaction request receiving, according to the card number information of the IC-card comprising in this request, obtains the B part being stored in this background system, and returns and reply to terminal;
Step (c): terminal partly writes IC-card by the described B obtaining from background system, is partly combined B part and forms a temporary vein pattern code that refers to the A being stored in IC-card by IC-card, and this is kept in and refers to that vein pattern code is temporary in IC-card;
Step (d): the on-the-spot payment that terminal is obtained holder refers to venous information, and it is carried out to pre-service, extracts condition code, thus and generate on-site payment and refer to vein pattern code;
Step (e): terminal reads above-mentioned temporary finger vein pattern code and refers to that with above-mentioned on-site payment vein pattern code compares;
Step (f): terminal is deleted temporary finger vein pattern code temporary in described IC-card.
In authorisation step S103, if compare successfully in comparison step, terminal sends to background system by comparison result, can carry out authorisation process by background system; If compare in step unsuccessfully in comparison, terminal is directly refused to pay.
Utilize the IC-card payment authentication method based on referring to vein of present embodiment, by finger venous information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete and refer to that vein typing, information pre-service, condition code are extracted and condition code comparison, a series of committed steps are concentrated as a bit, be conducive to carry out better risk control.
 
the second embodiment
In the second embodiment, for the method for utilizing this biological characteristic of fingerprint to pay, describe.
Fingerprint is a kind of biometrics identification technology, and fingerprint is the unique feature of human body, and their complexity is enough to be provided for enough features of discriminating.
Under regard to present embodiment the IC-card payment authentication method based on fingerprint be specifically described.
The IC-card payment authentication method based on fingerprint of present embodiment, is roughly divided into following steps:
Registration step: registration terminal obtains IC-card holder's registering fingerprint information, carry out pre-service, extract condition code, and generate registered fingerprint condition code, then, according to certain algorithm, this registered fingerprint condition code is divided into A part and B part, A is partly stored in IC-card, B is partly stored in background system;
Comparison step: after initiating transaction request, terminal will be stored in the described B part in background system and be stored in the temporary fingerprint character code of A part combination producing in IC-card, terminal is obtained the on-site payment finger print information of holder's typing and is carried out the operations such as pre-service, condition code extraction, generate on-site payment fingerprint character code, terminal reads described temporary fingerprint character code and compares with described on-site payment fingerprint character code;
Authorisation step: the result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, is authorized by background system.
In above-mentioned registration step, according to certain algorithm, this registered fingerprint condition code is divided into A part and B part, in the present invention " necessarily algorithm " do not limited, can be algorithm arbitrarily.For example, can be the most simply that registered fingerprint condition code is divided into two, a part is as A part, another part is as B part, also can be that registered fingerprint condition code is divided into 3 parts, get the 1st, 3 parts as A part, the 2nd part as B part, or get the 2nd part as A part, the 1st, 3 parts as B part.Certainly, can also take other various algorithms to divide, not exemplify one by one here.
Under regard to comparison step be elaborated.Comparison step comprises successively and comprising the steps:
Step (a): when paying, swipe the card or plug-in card after, terminal is initiated transaction request to background system;
Step (b): background system, according to the transaction request receiving, according to the card number information of the IC-card comprising in this request, obtains the B part being stored in this background system, and returns and reply to terminal;
Step (c): terminal partly writes IC-card by the described B obtaining from background system, is partly combined B part and forms a temporary fingerprint character code with the A being stored in IC-card by IC-card, and this temporary fingerprint character code is temporary in IC-card;
Step (d): terminal is obtained holder's on-the-spot payment finger print information, and it is carried out to pre-service, extracts condition code, thus and generate on-site payment fingerprint character code;
Step (e): terminal reads above-mentioned temporary fingerprint character code and compares with above-mentioned on-site payment fingerprint character code;
Step (f): terminal is deleted temporary fingerprint character code temporary in described IC-card.
In authorisation step, if compare successfully in comparison step, terminal sends to background system by comparison result, can carry out authorisation process by background system; If compare in step unsuccessfully in comparison, terminal is directly refused to pay.
Utilize the IC-card payment authentication method based on fingerprint of present embodiment, by finger print information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete fingerprint typing, information pre-service, condition code extraction and condition code comparison, a series of committed steps are concentrated as a bit, be conducive to carry out better risk control.
 
the 3rd embodiment
In the 3rd embodiment, for the method for utilizing this biological characteristic of palm shape to pay, describe.
Palm geometry is based on such fact: almost the shape of everyone hand is different, and marked change just no longer occurs the shape of this hand after people reaches a dating.When user is placed on his hand on hand shape reader, the 3-D view of a hand is just captured.Next, shape and the length of finger and articulations digitorum manus are measured.
According to the difference that is used for identifying people's data, hand shape is read technology can be divided into following three generic categories: the geometric analysis of the pattern of the application of palm, hand medium vessels and finger.This three generic category is to the category that belongs to this biological characteristic of palm shape.
Under regard to present embodiment based on the palm shape IC-card payment authentication method be specifically described.
The IC-card payment authentication method based on palm shape of present embodiment, is roughly divided into following steps:
Registration step: registration terminal obtains IC-card holder's registration palm shape information, carry out pre-service, extract condition code, and generation registration palm shape condition code, then, according to certain algorithm, this registration palm shape condition code is divided into A part and B part, A is partly stored in IC-card, B is partly stored in background system;
Comparison step: after initiating transaction request, terminal will be stored in the described B part in background system and be stored in the temporary palm of the A part combination producing shape condition code in IC-card, terminal is obtained the on-site payment palm shape information of holder's typing and is carried out the operations such as pre-service, condition code extraction, generate on-site payment palm shape condition code, terminal reads described temporary palm shape condition code and compares with described on-site payment palm shape condition code;
Authorisation step: the result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, is authorized by background system.
In above-mentioned registration step, according to certain algorithm, this registration palm shape condition code is divided into A part and B part, in the present invention " necessarily algorithm " do not limited, can be algorithm arbitrarily.For example, can be the most simply that registration palm shape condition code is divided into two, a part is as A part, another part is as B part, also can be that registration palm shape condition code is divided into 3 parts, get the 1st, 3 parts as A part, the 2nd part as B part, or get the 2nd part as A part, the 1st, 3 parts as B part.Certainly, can also take other various algorithms to divide, not exemplify one by one here.
Under regard to comparison step be elaborated.Comparison step comprises successively and comprising the steps:
Step (a): when paying, swipe the card or plug-in card after, terminal is initiated transaction request to background system;
Step (b): background system, according to the transaction request receiving, according to the card number information of the IC-card comprising in this request, obtains the B part being stored in this background system, and returns and reply to terminal;
Step (c): terminal partly writes IC-card by the described B obtaining from background system, is partly combined B part and forms a temporary palm shape condition code with the A being stored in IC-card by IC-card, and this temporary palm shape condition code is temporary in IC-card;
Step (d): terminal is obtained holder's on-the-spot payment palm shape information, and it is carried out to pre-service, extracts condition code, thus and generate on-site payment palm shape condition code;
Step (e): terminal reads above-mentioned temporary palm shape condition code and compares with above-mentioned on-site payment palm shape condition code;
Step (f): terminal is deleted temporary palm shape condition code temporary in described IC-card.
In authorisation step, if compare successfully in comparison step, terminal sends to background system by comparison result, can carry out authorisation process by background system; If compare in step unsuccessfully in comparison, terminal is directly refused to pay.
Utilize the IC-card payment authentication method based on palm shape of present embodiment, by palm shape information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete the typing of palm shape, information pre-service, condition code extraction and condition code comparison, a series of committed steps are concentrated as a bit, be conducive to carry out better risk control.
 
the 4th embodiment
In the 4th embodiment, for the method for utilizing this biological characteristic of iris to pay, describe.
Analyze the complexity of eyes and the biological identification technology of specific characteristic and be divided into two different fields: iris recognition technology and cornea recognition technology.Iris is around the coloured cell tissue of one deck of pupil.Iris identification system catches sample with a video camera, then by software, the template of the data obtained and storage is compared.Cornea is the blood cell layer of eye bottom.What cornea scanned is with low-density infrared ray, to remove to catch the specific characteristic of cornea.The region that is positioned at CC known to us is scanned, and therefore the unique pattern of blood cell is just captured.Cornea recognition technology is considered to best bio-identification at first.Yet although it has the accuracy of height, cornea scanner requires the person of being scanned uprightly motionless when it reads cornea information.Eyes and cornea scanner are invalid for blindness person and eyes disease patient's people.Therefore, it is difficult to obtain terminal user's generally acceptance.
On the other hand, iris recognition technology is widely used.Because each iris comprises a unique structure based on features such as picture hat, crystalline, filament, spot, structure, concave point, ray, wrinkle and stripeds, without any two irises, be almost the same.Iris recognition technology is to utilize the feature of the unchangeable property of iris and otherness to identify identity, and iris recognition technology can reach very excellent degree of accuracy after being combined with corresponding algorithm.
Under regard to present embodiment the IC-card payment authentication method based on iris be specifically described.
The IC-card payment authentication method based on iris of present embodiment, is roughly divided into following steps:
Registration step: registration terminal is by obtaining IC-card holder's registration iris information such as video camera etc., carry out pre-service, extract condition code, and generation registration iris feature code, then, according to certain algorithm, this registration iris feature code is divided into A part and B part, A is partly stored in IC-card, B is partly stored in background system;
Comparison step: after initiating transaction request, terminal will be stored in the described B part in background system and be stored in the temporary iris feature code of A part combination producing in IC-card, terminal is obtained the on-site payment iris information of holder's typing and is carried out the operations such as pre-service, condition code extraction, generate on-site payment iris feature code, terminal reads described temporary iris feature code and compares with described on-site payment iris feature code;
Authorisation step: the result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, is authorized by background system.
In above-mentioned registration step, according to certain algorithm, this registration iris feature code is divided into A part and B part, in the present invention " necessarily algorithm " do not limited, can be algorithm arbitrarily.For example, can be the most simply that registration iris feature code is divided into two, a part is as A part, another part is as B part, also can be that registration iris feature code is divided into 3 parts, get the 1st, 3 parts as A part, the 2nd part as B part, or get the 2nd part as A part, the 1st, 3 parts as B part.Certainly, can also take other various algorithms to divide, not exemplify one by one here.
Under regard to comparison step be elaborated.Comparison step comprises successively and comprising the steps:
Step (a): when paying, swipe the card or plug-in card after, terminal is initiated transaction request to background system;
Step (b): background system, according to the transaction request receiving, according to the card number information of the IC-card comprising in this request, obtains the B part being stored in this background system, and returns and reply to terminal;
Step (c): terminal partly writes IC-card by the described B obtaining from background system, is partly combined B part and forms a temporary iris feature code with the A being stored in IC-card by IC-card, and this temporary iris feature code is temporary in IC-card;
Step (d): terminal utilizes video camera etc. to obtain holder's on-the-spot payment iris information, and it is carried out to pre-service, extracts condition code, thus and generate on-site payment iris feature code;
Step (e): terminal reads above-mentioned temporary iris feature code and compares with above-mentioned on-site payment iris feature code;
Step (f): terminal is deleted temporary iris feature code temporary in described IC-card.
In authorisation step, if compare successfully in comparison step, terminal sends to background system by comparison result, can carry out authorisation process by background system; If compare in step unsuccessfully in comparison, terminal is directly refused to pay.
Utilize the IC-card payment authentication method based on iris of present embodiment, by iris information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete iris typing, information pre-service, condition code extraction and condition code comparison, a series of committed steps are concentrated as a bit, be conducive to carry out better risk control.
 
the 5th embodiment
In the 5th embodiment, for the method for utilizing this biological characteristic of face-image to pay, describe.
Facial-recognition security systems carrys out identification people by analyzing unique shape, pattern and the position of face feature.Substantially there are two methods to carry out deal with data: video camera and heat are drawn.Standard camera technique is to be based upon on the face image being captured by video camera, the blood vessel heat emergence pattern under heat drawing technique analyzing skin.
Under regard to present embodiment the IC-card payment authentication method based on face-image be specifically described.
The IC-card payment authentication method based on face-image of present embodiment, is roughly divided into following steps:
Registration step: registration terminal is by obtaining IC-card holder's registration facial image information such as video camera etc., carry out pre-service, extract condition code, and generation registration face-image condition code, then, according to certain algorithm, this registration face-image condition code is divided into A part and B part, A is partly stored in IC-card, B is partly stored in background system;
Comparison step: after initiating transaction request, terminal will be stored in the described B part in background system and be stored in the temporary face-image condition code of A part combination producing in IC-card, terminal is obtained the on-site payment facial image information of holder's typing and is carried out the operations such as pre-service, condition code extraction, generate on-site payment face-image condition code, terminal reads described temporary face-image condition code and compares with described on-site payment face-image condition code;
Authorisation step: the result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, is authorized by background system.
In above-mentioned registration step, according to certain algorithm, this registration face-image condition code is divided into A part and B part, in the present invention " necessarily algorithm " do not limited, can be algorithm arbitrarily.For example, can be the most simply that registration face-image condition code is divided into two, a part is as A part, another part is as B part, also can be that registration face-image condition code is divided into 3 parts, get the 1st, 3 parts as A part, the 2nd part as B part, or get the 2nd part as A part, the 1st, 3 parts as B part.Certainly, can also take other various algorithms to divide, not exemplify one by one here.
Under regard to comparison step be elaborated.Comparison step comprises successively and comprising the steps:
Step (a): when paying, swipe the card or plug-in card after, terminal is initiated transaction request to background system;
Step (b): background system, according to the transaction request receiving, according to the card number information of the IC-card comprising in this request, obtains the B part being stored in this background system, and returns and reply to terminal;
Step (c): terminal partly writes IC-card by the described B obtaining from background system, is partly combined B part and forms a temporary face-image condition code with the A being stored in IC-card by IC-card, and this temporary face-image condition code is temporary in IC-card;
Step (d): terminal utilizes video camera etc. to obtain holder's on-the-spot payment facial image information, and it is carried out to pre-service, extracts condition code, thus and generate on-site payment face-image condition code;
Step (e): terminal reads above-mentioned temporary face-image condition code and compares with above-mentioned on-site payment face-image condition code;
Step (f): terminal is deleted temporary face-image condition code temporary in described IC-card.
In authorisation step, if compare successfully in comparison step, terminal sends to background system by comparison result, can carry out authorisation process by background system; If compare in step unsuccessfully in comparison, terminal is directly refused to pay.
Utilize the IC-card payment authentication method based on face-image of present embodiment, by facial image information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete face-image typing, information pre-service, condition code extraction and condition code comparison, a series of committed steps are concentrated as a bit, be conducive to carry out better risk control.
 
the 6th embodiment
In the 6th embodiment, for the method for utilizing this biological characteristic of sound to pay, describe.
Voice recognition be by identification equipment constantly measure, waveform and the variation of recording voice.Voice recognition based on by collection in worksite to sound accurately compare, mate with registered sound template in advance.
Under regard to present embodiment the IC-card payment authentication method based on sound be specifically described.
The IC-card payment authentication method based on sound of present embodiment, is roughly divided into following steps:
Registration step: registration terminal is by obtaining IC-card holder's registration acoustic information such as microphone etc., carry out pre-service, extract condition code, and generation registration sound characteristic code, then, according to certain algorithm, this registration sound characteristic code is divided into A part and B part, A is partly stored in IC-card, B is partly stored in background system;
Comparison step: after initiating transaction request, terminal will be stored in the described B part in background system and be stored in the temporary sound characteristic code of A part combination producing in IC-card, terminal is obtained the on-site payment acoustic information of holder's typing and is carried out the operations such as pre-service, condition code extraction, generate on-site payment sound characteristic code, terminal reads described temporary sound characteristic code and compares with described on-site payment sound characteristic code;
Authorisation step: the result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, is authorized by background system.
In above-mentioned registration step, according to certain algorithm, this registration sound characteristic code is divided into A part and B part, in the present invention " necessarily algorithm " do not limited, can be algorithm arbitrarily.For example, can be the most simply that registration sound characteristic code is divided into two, a part is as A part, another part is as B part, also can be that registration sound characteristic code is divided into 3 parts, get the 1st, 3 parts as A part, the 2nd part as B part, or get the 2nd part as A part, the 1st, 3 parts as B part.Certainly, can also take other various algorithms to divide, not exemplify one by one here.
Under regard to comparison step be elaborated.Comparison step comprises successively and comprising the steps:
Step (a): when paying, swipe the card or plug-in card after, terminal is initiated transaction request to background system;
Step (b): background system, according to the transaction request receiving, according to the card number information of the IC-card comprising in this request, obtains the B part being stored in this background system, and returns and reply to terminal;
Step (c): terminal partly writes IC-card by the described B obtaining from background system, is partly combined B part and forms a temporary sound characteristic code with the A being stored in IC-card by IC-card, and this temporary sound characteristic code is temporary in IC-card;
Step (d): terminal utilizes microphone etc. to obtain holder's on-the-spot payment acoustic information, and it is carried out to pre-service, extracts condition code, thus and generate on-site payment sound characteristic code;
Step (e): terminal reads above-mentioned temporary sound characteristic code and compares with above-mentioned on-site payment sound characteristic code;
Step (f): terminal is deleted temporary sound characteristic code temporary in described IC-card.
In authorisation step, if compare successfully in comparison step, terminal sends to background system by comparison result, can carry out authorisation process by background system; If compare in step unsuccessfully in comparison, terminal is directly refused to pay.
Utilize the IC-card payment authentication method based on sound of present embodiment, by acoustic information being divided into A part and B part, and in IC-card, preserve respectively A part, in background system, preserve B part, can avoid thus background system to retain the potential safety hazard that sensitive information causes large scale system invasion to bring.And, in process of exchange, by the B partial information of only having backstage storage of Internet Transmission, even if intercepted, owing to not being complete authentication information, also cannot illegally be utilized.Moreover, utilize terminal to complete sound typing, information pre-service, condition code extraction and condition code comparison, a series of committed steps are concentrated as a bit, be conducive to carry out better risk control.
Above example has mainly illustrated the IC-card payment authentication method based on referring to vein, fingerprint, palm shape, iris, face-image, sound of the present invention.Although only some of them the specific embodiment of the present invention is described, those of ordinary skills should understand, and the present invention can be within not departing from its purport and scope implements with many other forms.Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and in the situation that not departing from spirit of the present invention as defined in appended each claim and scope, the present invention may be contained various modifications and replacement.

Claims (10)

1. the IC-card payment authentication method based on referring to vein, is characterized in that, comprising:
Registration step, the registration that terminal is obtained IC-card holder refers to venous information and generates registration refer to vein pattern code, and described registration is referred to vein pattern code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, terminal generates the temporary vein pattern code that refers to by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card after initiating transaction request, the on-site payment that terminal is obtained holder's typing refers to venous information and generates on-site payment refer to vein pattern code, and terminal reads described temporary finger vein pattern code and refers to that with described on-site payment vein pattern code compares;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
2. the payment authentication method based on referring to vein as claimed in claim 1, is characterized in that, comprising:
In described comparison step, after reading described temporary finger vein pattern code, delete described temporary finger vein pattern code.
3. the payment authentication method based on referring to vein as claimed in claim 2, is characterized in that,
Described comparison step comprises successively:
Step (a): swipe the card or plug-in card after terminal initiate transaction request to background system;
Step (b): return to by background system the described B Partial Feature code being stored in background system according to the card number information of IC-card;
Step (c): terminal writes IC-card by the described B Partial Feature code obtaining from background system,, is temporary in described temporary finger vein pattern code in IC-card by B Partial Feature code and A Partial Feature code combination and form described temporary finger vein pattern code by IC-card;
Step (d): the payment that terminal is obtained holder refers to venous information and generate to pay refer to vein pattern code;
Step (e): read described temporary finger vein pattern code and with described, described on-site payment is referred to vein pattern code compares;
Step (f): delete temporary finger vein pattern code temporary in described IC-card.
4. the payment authentication method based on referring to vein as claimed in claim 3, is characterized in that,
In described authorisation step, if compare unsuccessfully in described comparison step, terminal is directly refused to pay.
5.. the payment authentication method based on referring to vein as claimed in claim 4, is characterized in that,
In described registration step, by holder registration being referred to venous information, carry out pre-service and extract condition code generating registration and referring to vein pattern code, in described step (d), terminal generates to pay and refers to vein pattern code by holder's payment being referred to venous information and carry out pre-service and extracting condition code.
6. the IC-card payment authentication method based on fingerprint, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registering fingerprint information and is generated registered fingerprint condition code, and described registered fingerprint condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary fingerprint character code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment finger print information of holder's typing and is generated on-site payment fingerprint character code, and terminal reads described temporary fingerprint character code and compares with described on-site payment fingerprint character code;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
7. the IC-card payment authentication method based on palm shape, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration palm shape information and is generated registration palm shape condition code, and described registration palm shape condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary palm shape condition code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment palm shape information of holder's typing and is generated on-site payment palm shape condition code, and terminal reads described temporary palm shape condition code and compares with described on-site payment palm shape condition code;
Authorisation step, is that in successful situation, terminal sends to background system by comparison result in the result of the comparison of above-mentioned comparison step, by background system, is authorized.
8. the IC-card payment authentication method based on iris, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration iris information and is generated registration iris feature code, and described registration iris feature code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary iris feature code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment iris information of holder's typing and is generated on-site payment iris feature code, and terminal reads described temporary iris feature code and compares with described on-site payment iris feature code;
Result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, by background system, is authorized.
9. the IC-card payment authentication method based on face-image, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration facial image information and is generated registration face-image condition code, and described registration face-image condition code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary face-image condition code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment facial image information of holder's typing and is generated on-site payment face-image condition code, and terminal reads described temporary face-image condition code and compares with described on-site payment face-image condition code;
Result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, by background system, is authorized.
10. the IC-card payment authentication method based on sound, is characterized in that, comprising:
Registration step, terminal is obtained IC-card holder's registration acoustic information and is generated registration sound characteristic code, and described registration sound characteristic code is divided into A Partial Feature code and B Partial Feature code and described A Partial Feature code is stored in IC-card, described B Partial Feature code is stored in background system;
Comparison step, after initiating transaction request, terminal generates temporary sound characteristic code by the A Partial Feature code combination that is stored in the described B Partial Feature code in background system and be stored in described IC-card, terminal is obtained the on-site payment acoustic information of holder's typing and is generated on-site payment sound characteristic code, and terminal reads described temporary sound characteristic code and compares with described on-site payment sound characteristic code;
Result in the comparison of above-mentioned comparison step is that in successful situation, terminal sends to background system by comparison result, by background system, is authorized.
CN201210368943.0A 2012-09-27 2012-09-27 Payment authentication method based on human biological characteristics Pending CN103699996A (en)

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CN104102867A (en) * 2014-07-30 2014-10-15 中山艺展装饰工程有限公司 Multi-modal electronic bank payment settlement authentication method using retina verification
CN104134144A (en) * 2014-07-30 2014-11-05 中山艺展装饰工程有限公司 Method for matching verification by applying irises in internet bank transactions
CN105160226A (en) * 2015-08-27 2015-12-16 宇龙计算机通信科技(深圳)有限公司 Method, apparatus and system of user identity verification and smart home
CN105160226B (en) * 2015-08-27 2018-09-07 宇龙计算机通信科技(深圳)有限公司 User ID authentication method, device, system and smart home
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CN108846676A (en) * 2018-08-02 2018-11-20 平安科技(深圳)有限公司 Biological characteristic assistant payment method, device, computer equipment and storage medium
CN109583185A (en) * 2018-10-22 2019-04-05 盐城线尚天使科技企业孵化器有限公司 System and method based on multimodal recognition
CN111919217A (en) * 2020-06-10 2020-11-10 北京小米移动软件有限公司 Method, device, communication equipment and storage medium for registering biological characteristics

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