CN104361493A - Electronic payment method on basis of biological characteristics - Google Patents

Electronic payment method on basis of biological characteristics Download PDF

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CN104361493A
CN104361493A CN201410625198.2A CN201410625198A CN104361493A CN 104361493 A CN104361493 A CN 104361493A CN 201410625198 A CN201410625198 A CN 201410625198A CN 104361493 A CN104361493 A CN 104361493A
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terminal
bank card
data
image data
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CN104361493B (en
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陈海波
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Deep Blue Technology Shanghai Co Ltd
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Pa Fresh Hundred Million Data Technology (shanghai) Co Ltd
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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
    • 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
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • 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
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract

本发明涉及电子支付技术领域,公开了一种基于生物特征的电子支付方法及电子支付系统。本发明中,终端获取用户的名称与手机号对用户进行会员注册;会员注册成功后,终端进一步采集用户数据及用户的生物特征进行注册;支付时,终端获取注册的手机号,并根据该手机号获取注册的用户数据及用户的生物特征,对用户进行生物特征的验证;验证成功后,对用户的消费金额进行支付。本发明的实施方式提供了一种创新性的支付方式,进行电子支付的过程中,不需要使用用户的银行卡,也无需用户输入银行卡密码,既方便了用户对消费金额的支付,也避免了用户因携带银行卡而存在丢失的风险;同时由于生物特征有其唯一标识性,因此避免了银行卡被他人盗用的风险。

The invention relates to the technical field of electronic payment, and discloses an electronic payment method and an electronic payment system based on biometric features. In the present invention, the terminal obtains the user's name and mobile phone number to register the user as a member; after the member registration is successful, the terminal further collects user data and user's biological characteristics for registration; when paying, the terminal obtains the registered mobile phone number, and according to the mobile phone The registered user data and the user's biometrics are obtained through the account, and the biometrics of the user are verified; after the verification is successful, the user's consumption amount is paid. The embodiment of the present invention provides an innovative payment method. In the process of electronic payment, there is no need to use the user's bank card, and the user does not need to enter the bank card password, which not only facilitates the user's payment of the consumption amount, but also avoids It avoids the risk of the user losing the bank card due to carrying it; at the same time, due to the unique identification of the biometric feature, the risk of the bank card being stolen by others is avoided.

Description

一种基于生物特征的电子支付方法A biometric-based electronic payment method

技术领域technical field

本发明涉及电子支付技术领域,特别涉及一种基于生物特征的电子支付方法。The invention relates to the technical field of electronic payment, in particular to an electronic payment method based on biometric features.

背景技术Background technique

随着销售终端(Point of Sales,“POS”)的推广与普及,电子支付由于具有方便、快捷和高效的优点,逐渐成为人们从事经济生活的新模式。With the promotion and popularization of Point of Sales ("POS"), electronic payment has gradually become a new mode of people's economic life due to its advantages of convenience, speed and efficiency.

但是,在使用POS机进行电子支付的过程中,不仅需要用户随身携带银行卡,还需要用户现场输入银行卡密码,从而使得支付账号和支付密码被盗的情况时有发生,为账号持有者造成经济损失。同时,频繁地使用POS机刷卡,还有可能造成银行卡发生消磁,从而影响电子支付的正常进行。因此,使用POS机进行电子支付的安全问题已成为制约电子交易的重要因素,如何降低电子支付的风险性,对于规范电子支付市场具有重要意义。However, in the process of using the POS machine for electronic payment, not only the user needs to carry the bank card, but also the user needs to enter the bank card password on the spot, so that the payment account number and payment password are stolen from time to time, which is a serious problem for account holders. cause economic loss. At the same time, frequently using the POS machine to swipe the card may also cause the degaussing of the bank card, thereby affecting the normal progress of electronic payment. Therefore, the security issue of using POS machines for electronic payment has become an important factor restricting electronic transactions. How to reduce the risk of electronic payment is of great significance for regulating the electronic payment market.

发明内容Contents of the invention

本发明的目的在于提供一种基于生物特征的电子支付方法与电子支付系统,有效降低电子支付风险。The purpose of the present invention is to provide an electronic payment method and electronic payment system based on biological characteristics, which can effectively reduce the risk of electronic payment.

为解决上述技术问题,本发明的实施方式提供了一种基于生物特征的电子支付方法,包含以下步骤:In order to solve the above technical problems, an embodiment of the present invention provides a biometric-based electronic payment method, comprising the following steps:

终端通过获取用户的名称与手机号对所述用户进行会员注册;The terminal registers the user as a member by obtaining the user's name and mobile phone number;

所述会员注册成功后,所述终端进一步采集用户数据及所述用户的生物特征进行注册,所述用户数据包括:所述用户的银行卡号及相应的银行卡密码,所述生物特征包括:脸部图像数据及手脉数据;After the membership registration is successful, the terminal further collects user data and biometric features of the user for registration. The user data includes: the user's bank card number and corresponding bank card password, and the biometric features include: face External image data and hand pulse data;

进行支付时,终端获取所述用户的手机号;When making payment, the terminal obtains the mobile phone number of the user;

所述终端根据所述用户的手机号获取所述用户注册的用户数据及用户的生物特征,对所述用户进行生物特征的验证;所述生物特征验证成功后,所述终端对所述用户的消费金额进行支付。According to the mobile phone number of the user, the terminal obtains the user data registered by the user and the user's biometric feature, and performs biometric verification on the user; after the biometric verification is successful, the terminal verifies the user's biometric The consumption amount is paid.

本发明的实施方式还提供了一种基于生物特征的电子支付系统,所述电子支付系统包括会员注册模块、采集模块和支付模块;Embodiments of the present invention also provide a biometric-based electronic payment system, the electronic payment system including a member registration module, a collection module and a payment module;

所述会员注册模块用于获取所述用户的名称与手机号进行会员注册;The member registration module is used to obtain the name and mobile phone number of the user for member registration;

所述采集模块用于采集所述用户数据及用户的生物特征进行注册,并在所述用户进行支付时,根据注册的的手机号获取注册的用户数据及用户的生物特征,对所述用户进行生物特征的验证,并在生物特征验证成功后,向所述支付模块发送支付指令;The acquisition module is used to collect the user data and the user's biometric features for registration, and when the user pays, obtain the registered user data and the user's biometric features according to the registered mobile phone number, and perform a check on the user. Biometric verification, and after the biometric verification is successful, send a payment instruction to the payment module;

所述支付模块接收所述支付指令,对所述用户的消费金额进行支付,The payment module receives the payment instruction and pays the user's consumption amount,

其中,所述用户数据包括:所述用户的银行卡号及相应的银行卡密码,所述生物特征包括:脸部图像数据及手脉数据。Wherein, the user data includes: the user's bank card number and corresponding bank card password, and the biometric features include: facial image data and hand pulse data.

本发明实施方式相对于现有技术而言,提供了一种创新性的支付方式,进行电子支付的过程中,不需要使用用户的银行卡,也无需用户输入银行卡密码,既方便了用户对消费金额的支付,也避免了用户因携带银行卡而存在丢失的风险;同时由于生物特征有其唯一标识性,因此避免了银行卡被他人盗用的风险。Compared with the prior art, the embodiment of the present invention provides an innovative payment method. In the process of electronic payment, there is no need to use the user's bank card, nor does the user need to input the bank card password, which is convenient for the user to The payment of the consumption amount also avoids the risk of the user losing the bank card due to carrying it; at the same time, due to the unique identification of the biometric feature, the risk of the bank card being stolen by others is avoided.

进一步地,在所述终端根据所述用户的手机号获取所述用户注册的用户数据及用户的生物特征,对所述用户进行生物特征的验证的步骤中,包含以下子步骤:Further, in the step where the terminal obtains the user data registered by the user and the biometric feature of the user according to the mobile phone number of the user, and verifies the biometric feature of the user, the following sub-steps are included:

所述终端获取所述用户的手脉数据,并对所述用户的手脉数据进行验证;The terminal obtains the hand pulse data of the user, and verifies the hand pulse data of the user;

若所述手脉数据验证成功,则所述终端获取所述用户的脸部图像数据,并对所述用户的脸部图像数据进行验证;If the verification of the hand pulse data is successful, the terminal obtains the facial image data of the user, and verifies the facial image data of the user;

若所述用户的脸部图像数据验证成功,则所述用户的生物特征验证成功。手脉是掌活体才存在的特征,且手脉存在于手掌内部,不会因手掌表面的损伤带来识别障碍,相对于脸部图像而言,手脉识别的准确性和安全性更高,因此先对用户进行手脉识别,有利于提高电子支付的安全性。If the facial image data of the user is successfully verified, the biometric verification of the user is successful. Hand pulse is a feature that only exists in the palm of the body, and the hand pulse exists inside the palm, and there will be no recognition obstacles due to damage to the palm surface. Compared with facial images, the accuracy and safety of hand pulse recognition are higher. Therefore, it is helpful to improve the security of electronic payment by performing hand pulse recognition on the user first.

进一步地,若所述手脉数据验证成功,则所述终端获取所述用户的脸部图像数据,并对所述用户的脸部图像数据进行验证的步骤中,包含以下子步骤:Further, if the verification of the hand pulse data is successful, the terminal acquires the facial image data of the user, and the step of verifying the facial image data of the user includes the following sub-steps:

所述终端获取所述用户的脸部图像数据,并根据所述用户的手机号从脸部图像数据库调取所述用户注册的脸部图像数据对所述获取的脸部图像数据进行验证。进行脸部图像数据匹配时,可以直接从脸部图像数据库将所述用户注册的脸部图像数据调取到终端进行匹配,不再需要将所述用户的脸部图像数据由终端传送到远程服务器,由远程服务器从脸部图像数据库调取所述用户注册的脸部图像数据进行匹配,再将匹配结果传送给终端,从而减少了进行脸部图像数据匹配的时间。The terminal acquires the facial image data of the user, and retrieves the facial image data registered by the user from the facial image database according to the mobile phone number of the user to verify the acquired facial image data. When performing facial image data matching, the facial image data registered by the user can be directly transferred from the facial image database to the terminal for matching, and it is no longer necessary to transmit the user's facial image data from the terminal to the remote server The remote server retrieves the facial image data registered by the user from the facial image database for matching, and then transmits the matching result to the terminal, thereby reducing the time for facial image data matching.

进一步地,所述用户数据还包括所述用户的脸部识别密码;Further, the user data also includes the user's face recognition password;

若所述生物特征验证失败,则所述终端判断所述脸部图像数据的获取次数是否达到预设的获取次数;If the biometric verification fails, the terminal judges whether the number of acquisitions of the facial image data reaches a preset number of acquisitions;

若所述脸部图像的获取次数没有达到所述预设的获取次数,则所述终端重新获取所述用户的脸部图像数据;If the number of acquisitions of the facial image does not reach the preset number of acquisitions, the terminal re-acquires the facial image data of the user;

若所述脸部图像数据的获取次数已经达到所述预设的获取次数,则所述终端获取所述用户的脸部识别密码,并与所述用户注册的脸部识别密码进行匹配;If the number of acquisitions of the facial image data has reached the preset number of acquisitions, the terminal acquires the user's facial recognition password and matches it with the facial recognition password registered by the user;

若所述脸部识别密码匹配成功,则所述终端对所述用户的消费金额进行支付。脸部识别密码的设置,为用户进行电子支付又提供了一种选择,进一步保证了电子支付的顺利进行。If the face recognition password is successfully matched, the terminal pays the user's consumption amount. The setting of the face recognition password provides another option for users to carry out electronic payment, further ensuring the smooth progress of electronic payment.

进一步地,所述终端将所述用户的消费金额、手机号加密后发送给本地动态库;Further, the terminal encrypts the user's consumption amount and mobile phone number and sends them to the local dynamic library;

所述本地动态库根据所述用户的手机号获取所述用户注册的银行卡号及相应的银行卡密码;The local dynamic library obtains the bank card number registered by the user and the corresponding bank card password according to the mobile phone number of the user;

所述本地动态库将所述用户的消费金额、银行卡号及相应的银行卡密码加密后以点对点的传输链路发送给银行进行支付。相对于现有技术而言,本实施方式在本地动态库与银行之间,以点对点的传输链路传送用户的银行卡信息,从而避免了在传输过程中,用户的银行卡信息外泄,有效地保障了用户的银行卡信息的安全性。The local dynamic library encrypts the user's consumption amount, bank card number and corresponding bank card password and sends it to the bank for payment through a point-to-point transmission link. Compared with the prior art, this embodiment transmits the user's bank card information through a point-to-point transmission link between the local dynamic library and the bank, thereby avoiding the leakage of the user's bank card information during the transmission process, effectively It guarantees the security of the user's bank card information.

进一步地,所述本地动态库将所述用户的消费金额、银行卡号及相应的银行卡密码发送给银行进行支付的步骤之后,包括以下步骤:Further, after the local dynamic library sends the user's consumption amount, bank card number and corresponding bank card password to the bank for payment, the following steps are included:

判断支付是否成功;Determine whether the payment is successful;

若支付成功,则所述终端调用所述银行的电子签名样张,并在签名完成后打印出电子签名样张留存给用户,同时将所述电子签名样张及所述用户的脸部图像传送至所述远程服务器进行保存。保存电子签名样张及所述用户的脸部图像,使得消费者可以随时查看消费信息,进一步保证了电子交易的安全性。If the payment is successful, the terminal calls the electronic signature sheet of the bank, and after the signature is completed, prints out the electronic signature sheet and saves it to the user, and at the same time transmits the electronic signature sample sheet and the user's face image to the remote server for storage. The electronic signature sample and the user's face image are saved, so that consumers can view consumption information at any time, further ensuring the security of electronic transactions.

附图说明Description of drawings

图1是根据本发明第一实施方式的电子支付方法的注册流程图;Fig. 1 is the registration flowchart of the electronic payment method according to the first embodiment of the present invention;

图2是根据本发明第一实施方式的电子支付方法的支付流程图;Fig. 2 is a payment flowchart of the electronic payment method according to the first embodiment of the present invention;

图3是根据本发明第二实施方式的电子支付系统的结构示意图。Fig. 3 is a schematic structural diagram of an electronic payment system according to a second embodiment of the present invention.

具体实施方式Detailed ways

为使本发明的目的、技术方案和优点更加清楚,下面将结合附图对本发明的各实施方式进行详细的阐述。然而,本领域的普通技术人员可以理解,在本发明各实施方式中,为了使读者更好地理解本申请而提出了许多技术细节。但是,即使没有这些技术细节和基于以下各实施方式的种种变化和修改,也可以实现本申请各权利要求所要求保护的技术方案。In order to make the object, technical solution and advantages of the present invention clearer, various embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. However, those of ordinary skill in the art can understand that, in each implementation manner of the present invention, many technical details are provided for readers to better understand the present application. However, even without these technical details and various changes and modifications based on the following implementation modes, the technical solution claimed in each claim of the present application can be realized.

本发明的第一实施方式涉及一种基于生物特征的电子支付方法。在本实施方式中,用户在使用生物特征进行电子支付之前,需要先使用名称、手机号进行会员注册,在会员注册后还需进行生物特征的注册。注册的具体流程如图1所示。The first embodiment of the present invention relates to a biometric-based electronic payment method. In this embodiment, before using the biometric feature for electronic payment, the user needs to use the name and mobile phone number to register as a member, and after the membership registration, the biometric feature needs to be registered. The specific process of registration is shown in Figure 1.

在步骤101中,终端通过获取用户的名称、手机号进行会员注册。会员注册成功后,用户会获得一个相应的会员号,以后用户就可以通过该会员号登陆终端,本发明实施方式中以用户注册的手机号作为用户的会员号。In step 101, the terminal registers as a member by acquiring the user's name and mobile phone number. After the membership registration is successful, the user will obtain a corresponding membership number, and the user can log in to the terminal through the membership number in the future. In the embodiment of the present invention, the mobile phone number registered by the user is used as the membership number of the user.

会员注册成功后,终端进一步采集用户数据及用户的生物特征进行注册;本实施方式中,该用户数据包括脸部识别密码、银行卡号及相应的银行卡密码;用户的生物特征包括脸部图像数据及手脉数据。After the membership registration is successful, the terminal further collects user data and user's biological characteristics for registration; in this embodiment, the user data includes face recognition password, bank card number and corresponding bank card password; user's biological characteristics include facial image data and hand pulse data.

具体地说,在步骤102中,终端先扫描用户的手脉(即掌经脉),获取用户的手脉数据,并判断手脉数据是否获取成功,若成功获取用户的手脉数据,则进入步骤103;若用户的手脉数据获取失败,则返回步骤102,重新扫描用户的手脉。Specifically, in step 102, the terminal first scans the user's hand pulse (i.e. the palm meridian), obtains the user's hand pulse data, and judges whether the hand pulse data is successfully obtained. If the user's hand pulse data is successfully obtained, then enters the step 103: If the acquisition of the user's hand pulse data fails, return to step 102 and re-scan the user's hand pulse.

在步骤103中,终端扫描用户的脸部图像,获取用户的脸部图像数据,并判断脸部图像数据是否获取成功,若成功获取用户的脸部图像数据,则进入步骤104;若用户的脸部图像数据获取失败,则返回步骤103,重新扫描用户的脸部图像。In step 103, the terminal scans the user's facial image, obtains the user's facial image data, and judges whether the facial image data is obtained successfully, and if successfully obtains the user's facial image data, then enters step 104; If the acquisition of the internal image data fails, return to step 103 and re-scan the user's facial image.

在步骤104中,终端获取用户的脸部识别密码,该脸部识别密码由用户自行定义。终端会对用户的脸部识别密码进行两次确认,以保证用户两次输入的脸部识别密码相同,确认成功后,则进入步骤105。In step 104, the terminal obtains the user's face recognition password, which is defined by the user. The terminal will confirm the user's face recognition password twice to ensure that the face recognition password input by the user twice is the same, and after the confirmation is successful, go to step 105 .

在步骤105中,终端获取用户的银行卡号及相应的银行卡密码,并将其加密后发送给银行,由银行验证该银行卡密码是不是预先绑定到该银行卡号的银行卡密码,并将验证结果传送给终端;若该银行卡密码是预先绑定到该银行卡号的银行卡密码,则进入步骤106,在步骤106中,终端将用户的银行卡号及相应的银行卡密码传送至远程服务器进行保存,同时将用户的手脉数据及脸部图像数据分别储存于手脉数据库及脸部图像数据库;若该银行卡密码不是预先绑定到该银行卡号的银行卡密码,则返回步骤105,终端重新获取用户的银行卡号及相应的银行卡密码。In step 105, the terminal obtains the user's bank card number and the corresponding bank card password, and encrypts it and sends it to the bank, and the bank verifies whether the bank card password is the bank card password pre-bound to the bank card number, and sends The verification result is sent to the terminal; if the bank card password is the bank card password pre-bound to the bank card number, then enter step 106, in step 106, the terminal sends the user's bank card number and corresponding bank card password to the remote server Save, and simultaneously store the user's hand pulse data and face image data in the hand pulse database and face image database respectively; if the bank card password is not the bank card password pre-bound to the bank card number, then return to step 105, The terminal reacquires the user's bank card number and corresponding bank card password.

在进行支付时,用户先通过注册的手机号进入终端,并根据注册的手机号获取注册的用户数据及用户的生物特征对用户进行生物特征的验证,验证成功后,终端对该用户的消费金额进行支付。When making payment, the user first enters the terminal through the registered mobile phone number, and according to the registered mobile phone number, obtains the registered user data and the user's biometrics to verify the user's biometrics. After the verification is successful, the terminal's consumption amount for the user Make a payment.

具体地说,如图2所示,在步骤201中,终端获取用户的手机号。进入步骤202。Specifically, as shown in FIG. 2, in step 201, the terminal acquires the user's mobile phone number. Go to step 202.

在步骤202中,终端对用户进行手脉扫描获取手脉数据,并将获取的手脉数据及用户的手机号传送至远程服务器,远程服务器根据用户的手机号从手脉数据库调取用户注册的手脉数据,与获取的手脉数据进行匹配,判断两者是否一致,并将判断结果传送至终端;若手脉数据匹配成功,则进入步骤203;若手脉数据匹配不成功,则返回步骤202。In step 202, the terminal scans the user's hand pulse to obtain hand pulse data, and transmits the acquired hand pulse data and the user's mobile phone number to the remote server. The hand pulse data is matched with the obtained hand pulse data to determine whether the two are consistent, and the judgment result is sent to the terminal; if the hand pulse data is successfully matched, then enter step 203; if the hand pulse data is not successfully matched, then return to step 202.

在步骤203中,终端对用户进行脸部扫描获取用户的脸部图像数据,并根据用户的手机号从脸部图像数据库调取用户注册的脸部图像数据,与获取的脸部图像数据进行匹配,判断两者是否一致;若脸部图像数据匹配成功,则进入步骤206;若脸部图像数据匹配失败,则进入步骤204。In step 203, the terminal scans the user's face to obtain the user's facial image data, and retrieves the user's registered facial image data from the facial image database according to the user's mobile phone number, and matches with the acquired facial image data , to determine whether the two are consistent; if the facial image data is successfully matched, then enter step 206; if the facial image data fails to match, then enter step 204.

在步骤204中,终端判断脸部图像数据的获取次数是否为预设的次数,若脸部图像的获取次数不是预设的次数,则返回步骤203;若脸部图像的获取次数是预设的次数则进入步骤205。本实施方式中,脸部图像数据预设的获取次数为3次。In step 204, the terminal judges whether the number of acquisitions of the face image data is a preset number of times, if the number of times of acquisition of the face image is not the preset number of times, then return to step 203; if the number of times of acquisition of the face image is preset The number of times then enters step 205 . In this embodiment, the preset number of acquisitions of facial image data is 3 times.

在步骤205中,终端获取用户的脸部识别密码,并与用户注册的脸部识别密码进行匹配,判断两者是否一致;若脸部识别密码匹配失败,则返回步骤205,若脸部图像数据匹配成功,则进入步骤206。In step 205, the terminal obtains the user's face recognition password and matches it with the user's registered face recognition password to determine whether the two are consistent; if the face recognition password fails to match, it returns to step 205, if the face image data If the matching is successful, go to step 206.

在步骤206中,终端将用户的消费金额、手机号加密后发送给本地动态库,本地动态库根据用户的手机号获取用户注册的银行卡号及相应的银行卡密码,并将用户的消费金额、银行卡号及相应的银行卡密码加密后以点对点的传输链路发送给银行进行支付,并判断支付是否成功。In step 206, the terminal encrypts the user's consumption amount and mobile phone number and sends them to the local dynamic library. The local dynamic library obtains the user's registered bank card number and corresponding bank card password according to the user's mobile phone number, and stores the user's consumption amount, The bank card number and the corresponding bank card password are encrypted and then sent to the bank through a point-to-point transmission link for payment, and it is judged whether the payment is successful.

若支付成功,则进入步骤207,在步骤207中,终端调用银行的电子签名样张,并在签名完成后打印出电子签名样张留存给用户,同时将电子签名样张及用户的脸部图像传送至远程服务器进行保存;若支付失败,则返回步骤202。If the payment is successful, go to step 207. In step 207, the terminal invokes the bank's electronic signature sample, and after the signature is completed, prints out the electronic signature sample and saves it to the user. At the same time, the electronic signature sample and the user's face image are sent to the remote The server saves it; if the payment fails, return to step 202.

不难发现,相比于现有技术而言,本发明的实施方式提供了一种创新性的支付方式,进行电子支付的过程中,不需要使用用户的银行卡,也无需用户输入银行卡密码,既方便了用户对消费金额的支付,也避免了用户因携带银行卡而存在丢失的风险;同时由于生物特征有其唯一标识性,因此避免了银行卡被他人盗用的风险。It is not difficult to find that, compared with the prior art, the embodiment of the present invention provides an innovative payment method. In the process of electronic payment, there is no need to use the user's bank card, and the user does not need to enter the bank card password. , which not only facilitates the user's payment of the consumption amount, but also avoids the risk of the user losing the bank card due to carrying it; at the same time, because the biometric feature has its unique identification, it avoids the risk of the bank card being stolen by others.

上面各种方法的步骤划分,只是为了描述清楚,实现时可以合并为一个步骤或者对某些步骤进行拆分,分解为多个步骤,只要包含相同的逻辑关系,都在本专利的保护范围内;对算法中或者流程中添加无关紧要的修改或者引入无关紧要的设计,但不改变其算法和流程的核心设计都在该专利的保护范围内。The division of steps in the above methods is only for the sake of clarity of description. During implementation, they can be combined into one step or some steps can be split and decomposed into multiple steps. As long as they contain the same logical relationship, they are all within the scope of protection of this patent. ; Adding insignificant modifications or introducing insignificant designs to the algorithm or process, but not changing the core design of the algorithm and process are all within the scope of protection of this patent.

本发明第二实施方式提供了一种基于生物特征的电子支付系统,如图3所示,其包括会员注册模块、采集模块和支付模块;会员注册模块用于获取用户的名称与手机号进行会员注册,采集模块用于采集用户数据及用户的生物特征进行注册,并在用户进行支付时,根据注册的用户的手机号获取注册的用户数据及用户的生物特征,对用户进行生物特征的验证,并向支付模块发送支付指令;支付模块接收支付指令,对用户的消费金额进行支付。其中,用户数据包括:用户的银行卡号及相应的银行卡密码,生物特征包括:脸部图像数据及手脉数据。The second embodiment of the present invention provides a biometric-based electronic payment system, as shown in Figure 3, which includes a member registration module, a collection module and a payment module; the member registration module is used to obtain the user's name and mobile phone number for membership Registration, the acquisition module is used to collect user data and user biometrics for registration, and when the user pays, obtain the registered user data and user's biometrics according to the registered user's mobile phone number, and verify the user's biometrics. And send a payment instruction to the payment module; the payment module receives the payment instruction and pays the user's consumption amount. Among them, the user data includes: the user's bank card number and the corresponding bank card password, and the biometric features include: facial image data and hand pulse data.

该会员注册模块先获取用户的名称、手机号,对用户进行会员注册,会员注册成功后,用户会获得一个相应的会员号,以后用户就可以通过该会员号登陆电子支付系统。本实施方式以用户注册的手机号作为会员号,会员注册成功后,用户即可进入采集模块进行进一步注册。The membership registration module first obtains the user's name and mobile phone number, and registers the user as a member. After the membership registration is successful, the user will obtain a corresponding membership number, and the user can log in to the electronic payment system through the membership number. In this embodiment, the mobile phone number registered by the user is used as the membership number. After the membership registration is successful, the user can enter the collection module for further registration.

具体地说,采集模块先对用户进行手脉扫描,采集用户的手脉数据,并判断手脉数据是否采集成功,若手脉数据采集成功,则采集模块会继续对用户进行脸部图像扫描,采集用户的脸部图像数据;若手脉数据采集失败,则采集模块会重新对用户进行手脉扫描。同样地,若脸部图像数据采集失败,采集模块也会重新对用户进行脸部图像扫描。若脸部图像数据采集成功,采集模块则继续获取用户的脸部识别密码,该脸部识别密码由用户自行定义。采集模块会对用户的脸部识别密码进行两次确认,以保证用户两次输入的脸部识别密码相同,确认成功后,采集模块会继续获取用户的银行卡号及相应的银行卡密码,并将银行卡号及相应的银行卡密码加密后传送给银行,由银行验证该银行卡密码是不是预先绑定到该银行卡号的银行卡密码,并将验证结果传送给采集模块;若该银行卡密码是预先绑定到该银行卡号的银行卡密码,则采集模块保存该银行卡号及相应的银行卡密码,同时将用户的手脉数据及脸部图像数据分别储存于手脉数据库及脸部图像数据库;若该银行卡密码不是预先绑定到该银行卡号的银行卡密码,则采集模块将重新获取用户的银行卡号及相应的银行卡密码。Specifically, the collection module first scans the user's hand pulse, collects the user's hand pulse data, and judges whether the hand pulse data is collected successfully. If the hand pulse data is collected successfully, the collection module will continue to scan the user's face image, The user's facial image data; if the collection of hand pulse data fails, the acquisition module will re-scan the user's hand pulse. Similarly, if the face image data collection fails, the collection module will re-scan the user's face image. If the face image data is successfully collected, the collection module continues to obtain the user's face recognition password, which is defined by the user. The acquisition module will confirm the user's face recognition password twice to ensure that the face recognition password entered by the user twice is the same. After the confirmation is successful, the acquisition module will continue to obtain the user's bank card number and corresponding bank card password, and The bank card number and the corresponding bank card password are encrypted and sent to the bank, and the bank verifies whether the bank card password is the bank card password bound to the bank card number in advance, and sends the verification result to the acquisition module; if the bank card password is The bank card password bound to the bank card number in advance, then the acquisition module saves the bank card number and the corresponding bank card password, and simultaneously stores the user's hand pulse data and face image data in the hand pulse database and the face image database respectively; If the bank card password is not the bank card password bound to the bank card number in advance, the acquisition module will reacquire the user's bank card number and corresponding bank card password.

在用户进行支付时,采集模块根据注册的用户的手机号获取注册的用户数据及用户的生物特征,对用户进行生物特征的验证,并向支付模块发送支付指令;支付模块接收支付指令,对用户的消费金额进行支付。When the user pays, the acquisition module obtains the registered user data and the user's biometrics according to the registered user's mobile phone number, verifies the user's biometrics, and sends a payment instruction to the payment module; The consumption amount is paid.

具体地说,采集模块对用户进行手脉扫描获取手脉数据,并根据用户的手机号从手脉数据库中调出该用户的手脉数据,将两者进行匹配,若手脉数据匹配不成功,则采集模块会对用户重新进行手脉扫描。若手脉数据匹配成功,则采集模块会继续对用户进行脸部图像扫描,获取用户的脸部图像数据,并根据用户的手机号从脸部图像数据库中调出该用户的脸部图像数据,将两者进行匹配。Specifically, the acquisition module scans the user's hand pulse to obtain the hand pulse data, and calls out the user's hand pulse data from the hand pulse database according to the user's mobile phone number, and matches the two. If the hand pulse data is not matched successfully, Then the acquisition module will re-scan the hand pulse of the user. If the hand pulse data match is successful, the acquisition module will continue to scan the user's face image to obtain the user's face image data, and transfer the user's face image data from the face image database according to the user's mobile phone number, Both are matched.

若脸部图像数据匹配成功,则采集模块会向支付模块若脸部图像数据数据匹配失败,则采集模块会先判断脸部图像数据的获取次数是否达到预设的获取次数,若脸部图像数据的获取次数没有达到预设的获取次数,则采集模块将重新对用户进行脸部图像扫描;若脸部图像数据的获取次数已经达到预设的获取次数,则采集模块将获取用户的脸部识别密码,并与用户注册的脸部识别密码进行匹配。本实施方式中,脸部图像数据预设的获取次数为3次。If the matching of facial image data is successful, the acquisition module will send the payment module to the payment module. If the number of acquisitions does not reach the preset number of acquisitions, the acquisition module will re-scan the user's facial image; if the number of acquisitions of facial image data has reached the preset acquisition times, the acquisition module will acquire the user's face password, and match it with the face recognition password registered by the user. In this embodiment, the preset number of acquisitions of facial image data is 3 times.

若脸部识别密码匹配失败,则采集模块将重新获取用户的脸部识别密码。若脸部识别密码匹配成功,则采集模块会向支付模块发送支付指令。If the facial recognition password fails to match, the acquisition module will reacquire the user's facial recognition password. If the face recognition password matches successfully, the acquisition module will send a payment instruction to the payment module.

支付模块收到支付指令后,将用户的消费金额、手机号加密后发送给本地动态库,本地动态库根据用户的手机号获取用户注册的银行卡号及相应的银行卡密码,将用户的消费金额、银行卡号及相应的银行卡密码加密后以点对点的传输链路发送给银行进行支付,并判断支付是否成功。After the payment module receives the payment instruction, it encrypts the user's consumption amount and mobile phone number and sends it to the local dynamic library. The local dynamic library obtains the user's registered bank card number and corresponding bank card password according to the user's mobile phone number, and converts the user's consumption amount , the bank card number and the corresponding bank card password are encrypted and then sent to the bank through a point-to-point transmission link for payment, and it is judged whether the payment is successful.

若支付成功,则支付模块将调用银行的电子签名样张,并在签名完成后打印出电子签名样张留存给用户,同时将该电子签名样张及用户的脸部图像进行保存;若对付失败,则支付模块会向采集模块发送重新验证指令,采集模块收到指令后,将重新对用户进行手脉扫描。If the payment is successful, the payment module will call the bank's electronic signature sample, and after the signature is completed, print out the electronic signature sample and save it to the user, and save the electronic signature sample and the user's face image at the same time; The module will send a re-authentication instruction to the acquisition module, and the acquisition module will re-scan the user's hand pulse after receiving the instruction.

不难发现,本实施方式为与第一实施方式相对应的系统实施例,本实施方式可与第一实施方式互相配合实施。第一实施方式中提到的相关技术细节在本实施方式中依然有效,为了减少重复,这里不再赘述。相应地,本实施方式中提到的相关技术细节也可应用在第一实施方式中。It is not difficult to find that this embodiment is a system embodiment corresponding to the first embodiment, and this embodiment can be implemented in cooperation with the first embodiment. The relevant technical details mentioned in the first embodiment are still valid in this embodiment, and will not be repeated here in order to reduce repetition. Correspondingly, the relevant technical details mentioned in this implementation manner can also be applied in the first implementation manner.

值得一提的是,本实施方式中所涉及到的各模块均为逻辑模块,在实际应用中,一个逻辑单元可以是一个物理单元,也可以是一个物理单元的一部分,还可以以多个物理单元的组合实现。此外,为了突出本发明的创新部分,本实施方式中并没有将与解决本发明所提出的技术问题关系不太密切的单元引入,但这并不表明本实施方式中不存在其它的单元。It is worth mentioning that all the modules involved in this embodiment are logical modules. In practical applications, a logical unit can be a physical unit, or a part of a physical unit, or multiple physical units. Combination of units. In addition, in order to highlight the innovative part of the present invention, units that are not closely related to solving the technical problems proposed by the present invention are not introduced in this embodiment, but this does not mean that there are no other units in this embodiment.

本领域的普通技术人员可以理解,上述各实施方式是实现本发明的具体实施例,而在实际应用中,可以在形式上和细节上对其作各种改变,而不偏离本发明的精神和范围。Those of ordinary skill in the art can understand that the above-mentioned embodiments are specific examples for realizing the present invention, and in practical applications, various changes can be made to it in form and details without departing from the spirit and spirit of the present invention. scope.

Claims (12)

1.一种基于生物特征的电子支付方法,其特征在于,包含以下步骤:1. An electronic payment method based on biometric features, comprising the following steps: 终端通过获取用户的名称与手机号对所述用户进行会员注册;The terminal registers the user as a member by obtaining the user's name and mobile phone number; 所述会员注册成功后,所述终端进一步采集用户数据及所述用户的生物特征进行注册,所述用户数据包括:所述用户的银行卡号及相应的银行卡密码,所述生物特征包括:脸部图像数据及手脉数据;After the membership registration is successful, the terminal further collects user data and biometric features of the user for registration. The user data includes: the user's bank card number and corresponding bank card password, and the biometric features include: face External image data and hand pulse data; 进行支付时,终端获取所述用户的手机号;When making payment, the terminal obtains the mobile phone number of the user; 所述终端根据所述用户的手机号获取所述用户注册的用户数据及用户的生物特征,对所述用户进行生物特征的验证;所述生物特征验证成功后,所述终端对所述用户的消费金额进行支付。According to the mobile phone number of the user, the terminal obtains the user data registered by the user and the user's biometric feature, and performs biometric verification on the user; after the biometric verification is successful, the terminal verifies the user's biometric The consumption amount is paid. 2.根据权利要求1所述的电子支付方法,其特征在于,在所述终端根据所述用户的手机号获取所述用户注册的用户数据及用户的生物特征,对所述用户进行生物特征的验证的步骤中,包含以下子步骤:2. The electronic payment method according to claim 1, wherein the terminal obtains the user data registered by the user and the biological characteristics of the user according to the mobile phone number of the user, and performs biometric identification of the user. The verification step includes the following sub-steps: 所述终端获取所述用户的手脉数据,并对所述用户的手脉数据进行验证;The terminal obtains the hand pulse data of the user, and verifies the hand pulse data of the user; 若所述手脉数据验证成功,则所述终端获取所述用户的脸部图像数据,并对所述用户的脸部图像数据进行验证;If the verification of the hand pulse data is successful, the terminal obtains the facial image data of the user, and verifies the facial image data of the user; 若所述用户的脸部图像数据验证成功,则所述用户的生物特征验证成功。If the facial image data of the user is successfully verified, the biometric verification of the user is successful. 3.根据权利要求2所述的电子支付方法,其特征在于,所述终端获取所述用户的手脉数据,并对所述用户的手脉数据进行验证的步骤中,包括以下子步骤:3. The electronic payment method according to claim 2, wherein the terminal acquires the hand pulse data of the user, and the step of verifying the user's hand pulse data includes the following sub-steps: 所述终端获取所述用户的手脉数据,并将所述获取的手脉数据及所述用户的手机号传送至远程服务器;The terminal acquires the hand pulse data of the user, and transmits the acquired hand pulse data and the user's mobile phone number to a remote server; 所述远程服务器根据所述用户的手机号从手脉数据库调取所述用户注册的手脉数据,对所述获取的手脉数据进行验证,并将验证结果传送至所述终端。The remote server retrieves the hand pulse data registered by the user from the hand pulse database according to the mobile phone number of the user, verifies the acquired hand pulse data, and transmits the verification result to the terminal. 4.根据权利要求2所述的电子支付方法,其特征在于,若所述手脉数据验证成功,则所述终端获取所述用户的脸部图像数据,并对所述用户的脸部图像数据进行验证的步骤中,包含以下子步骤:4. The electronic payment method according to claim 2, wherein, if the verification of the hand pulse data is successful, the terminal obtains the user's face image data, and the user's face image data The verification steps include the following sub-steps: 所述终端获取所述用户的脸部图像数据,并根据所述用户的手机号从脸部图像数据库调取所述用户注册的脸部图像数据对所述获取的脸部图像数据进行验证。The terminal acquires the facial image data of the user, and retrieves the facial image data registered by the user from the facial image database according to the mobile phone number of the user to verify the acquired facial image data. 5.根据权利要求2所述的电子支付方法,其特征在于,所述用户数据还包括所述用户的脸部识别密码;5. The electronic payment method according to claim 2, wherein the user data further includes the user's face recognition password; 若所述生物特征验证失败,则所述终端判断所述脸部图像数据的获取次数是否达到预设的获取次数;If the biometric verification fails, the terminal judges whether the number of acquisitions of the facial image data reaches a preset number of acquisitions; 若所述脸部图像的获取次数没有达到所述预设的获取次数,则所述终端重新获取所述用户的脸部图像数据;If the number of acquisitions of the facial image does not reach the preset number of acquisitions, the terminal re-acquires the facial image data of the user; 若所述脸部图像数据的获取次数已经达到所述预设的获取次数,则所述终端获取所述用户的脸部识别密码,并与所述用户注册的脸部识别密码进行匹配;If the number of acquisitions of the facial image data has reached the preset number of acquisitions, the terminal acquires the user's facial recognition password and matches it with the facial recognition password registered by the user; 若所述脸部识别密码匹配成功,则所述终端对所述用户的消费金额进行支付。If the face recognition password is successfully matched, the terminal pays the user's consumption amount. 6.根据权利要求1或5任一所述的电子支付方法,其特征在于,所述终端对所述用户的消费金额进行支付的步骤中,包含以下子步骤:6. The electronic payment method according to any one of claims 1 or 5, wherein the step of the terminal paying the user's consumption amount includes the following sub-steps: 所述终端将所述用户的消费金额、手机号加密后发送给本地动态库;The terminal encrypts the user's consumption amount and mobile phone number and sends them to the local dynamic library; 所述本地动态库根据所述用户的手机号调取所述用户注册的银行卡号及相应的银行卡密码;The local dynamic library retrieves the bank card number registered by the user and the corresponding bank card password according to the mobile phone number of the user; 所述本地动态库将所述用户的消费金额、银行卡号及相应的银行卡密码加密后以点对点的传输链路发送给银行进行支付。The local dynamic library encrypts the user's consumption amount, bank card number and corresponding bank card password and sends it to the bank for payment through a point-to-point transmission link. 7.根据权利要求6所述的电子支付方法,其特征在于,所述本地动态库将所述用户的消费金额、银行卡号及相应的银行卡密码发送给银行进行支付的步骤之后,包括以下步骤:7. The electronic payment method according to claim 6, characterized in that, after the local dynamic library sends the user's consumption amount, bank card number and corresponding bank card password to the bank for payment, it includes the following steps : 判断支付是否成功;Determine whether the payment is successful; 若支付成功,则所述终端调用所述银行的电子签名样张,并在签名完成后打印出所述电子签名样张留存给用户,同时将所述电子签名样张及所述用户的脸部图像传送至远程服务器进行保存。If the payment is successful, the terminal calls the bank's electronic signature sample, and after the signature is completed, prints out the electronic signature sample and saves it to the user, and at the same time sends the electronic signature sample and the user's face image to remote server for storage. 8.根据权利要求1所述的电子支付方法,其特征在于,在所述终端进一步采集用户数据及所述用户的生物特征进行注册的步骤中,8. The electronic payment method according to claim 1, characterized in that, in the step of further collecting user data and biometric features of the user for registration by the terminal, 所述终端将获取的所述用户的银行卡号及相应的银行卡密码加密后传送给银行进行验证,并判断验证是否成功;The terminal encrypts the obtained bank card number and corresponding bank card password of the user and sends them to the bank for verification, and judges whether the verification is successful; 若验证成功,则所述终端将所述用户的银行卡号及相应的银行卡密码传送至远程服务器进行保存。If the verification is successful, the terminal transmits the user's bank card number and corresponding bank card password to a remote server for storage. 9.根据权利要求8所述的的电子支付方法,其特征在于,所述终端将所述用户的银行卡号及相应的银行卡密码传送至远程服务器进行保存的步骤之后,还包含以下步骤:9. The electronic payment method according to claim 8, characterized in that, after the terminal transmits the user's bank card number and the corresponding bank card password to a remote server for storage, the terminal also includes the following steps: 所述终端将所述用户的手脉数据及脸部图像数据分别储存于手脉数据库及脸部图像数据库。The terminal stores the hand pulse data and face image data of the user in a hand pulse database and a face image database respectively. 10.一种基于生物特征的电子支付系统,其特征在于,所述电子支付系统包括会员注册模块、采集模块和支付模块;10. An electronic payment system based on biological characteristics, characterized in that, the electronic payment system includes a member registration module, a collection module and a payment module; 所述会员注册模块用于获取所述用户的名称与手机号进行会员注册;The member registration module is used to obtain the name and mobile phone number of the user for member registration; 所述采集模块用于采集所述用户数据及用户的生物特征进行注册,并在所述用户进行支付时,根据注册的手机号获取注册的用户数据及用户的生物特征,对所述用户进行生物特征的验证,并在生物特征验证成功后,向所述支付模块发送支付指令;The collection module is used to collect the user data and the user's biometric feature for registration, and when the user pays, obtain the registered user data and the user's biometric feature according to the registered mobile phone number, and perform biometric verification of the user. feature verification, and after the biometric verification is successful, send a payment instruction to the payment module; 所述支付模块接收所述支付指令,对所述用户的消费金额进行支付,The payment module receives the payment instruction and pays the user's consumption amount, 其中,所述用户数据包括:所述用户的银行卡号及相应的银行卡密码,所述生物特征包括:脸部图像数据及手脉数据。Wherein, the user data includes: the user's bank card number and corresponding bank card password, and the biometric features include: facial image data and hand pulse data. 11.根据权利要求10所述的电子支付系统,其特征在于,所述用户数据还包括:脸部识别密码。11. The electronic payment system according to claim 10, wherein the user data further includes: a face recognition password. 12.根据权利要求10所述的电子支付系统,其特征在于,所述支付模块还用于在对所述消费数据支付成功后,调用所述第三方提供的所述电子签名样张,在签名完成后打印出所述电子签名样张留存给所述用户,同时将所述电子签名样张及所述脸部图像数据进行保存。12. The electronic payment system according to claim 10, wherein the payment module is further configured to call the electronic signature sample provided by the third party after the payment for the consumption data is successful, and after the signature is completed Afterwards, the electronic signature sample is printed out and reserved for the user, and the electronic signature sample and the facial image data are saved at the same time.
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