CN104484804A - Secure fingerprint transaction paying method and system - Google Patents
Secure fingerprint transaction paying method and system Download PDFInfo
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- CN104484804A CN104484804A CN201410814641.0A CN201410814641A CN104484804A CN 104484804 A CN104484804 A CN 104484804A CN 201410814641 A CN201410814641 A CN 201410814641A CN 104484804 A CN104484804 A CN 104484804A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention provides a secure fingerprint transaction paying method and system. The system comprises a paying terminal, a server and a mobile terminal which are in wireless communication connection. The method comprises the following steps: the paying terminal collects and obtains fingerprint image information; characteristic data of the fingerprint image information are extracted and sent to the server; the server judges whether the characteristic data are stored in a database, and if yes, identification is passed; the paying terminal submits a dynamic password identification request to the server, and the server sends a first random verification code to the mobile terminal legally registered by a paying party; the mobile terminal receives a second random verification code and inputs the code, if the server determines that the second random verification code has timeliness, and whether the second random code and the first random verification code are consistent is compared; and if the second random code and the first random verification code are consistent, verification is passed. At least double identification and verification are adopted to ensure that the paying party is a legal user, the characteristic of concise and convenient transaction flow is considered, and the security level of a financial transaction process is increased.
Description
Technical field
The present invention relates to field of transaction payments, specifically be a kind of method and system of security fingerprint transaction payment.
Background technology
In current mobile payment tide, fingerprint pays one of technology the most promising beyond doubt.Due to when payment verification without the need to using actual credit medium (as card, account, check etc.) to bring great convenience to user of service.Compare with credit medium (card, account, check etc.) fingerprint without the need to worrying loss problem.In theory, the probability that two people's fingerprints repeat is one of 64,000,000,000 parts, and fingerprint has had enough securities and checking uniqueness as password.But this cover system still also exists leak under current technical conditions, and leak is enough to offset the security paid.
Fingerprint Identification sensor whole at present roughly can be divided into two classes, and a class is optical finger print identification sensor, and a class is semiconductor fingerprint identification sensor.Wherein the sensor of optics cannot effectively distinguish prosthetic finger and trace, the such as one secondary fingerprint image printed also may be read by optical finger print identification sensor and on deliver to system, more no matter fingerprint sleeve (using the object having fingerprint lines that silica gel or other materials are made).Semiconductor type fingerprint sensor effectively can prevent common false fingerprint sleeve and picture (being printed on the fingerprint image on paper), but through actual measuring semiconductor class fingerprint sensor remain unchanged None-identified through improvement after fingerprint sleeve (mix partially conductive material, silica gel sheath according to fingerprint image is made), the illegal transaction that the fingerprint image that namely current payment system None-identified illegally obtains brings after uploading with image mode or mandate risk.Under visible current technical conditions, fingerprint is directly used to remain huge as transaction voucher risk.Therefore, be necessary the method and system that a kind of security fingerprint transaction payment is provided, can be good at solving the problem.
Summary of the invention
Technical matters to be solved by this invention is: the method and system providing a kind of security fingerprint transaction payment, solves the false finger print information of existing payment system None-identified, cannot ensure the problem of transaction payment safety.
In order to solve the problems of the technologies described above, the technical solution used in the present invention is:
A method for security fingerprint transaction payment, comprises payment terminals, server and mobile terminal that wireless telecommunications connect;
Payment terminals collects information in fingerprint; Payment terminals extracts the characteristic of described information in fingerprint;
Described characteristic is sent to server by payment terminals; Server judges whether store described characteristic in database after receiving described characteristic;
If not, recognition result is returned to payment terminals;
If so, be identified by;
Payment terminals submits to dynamic password identification request to server; Server sends the mobile terminal of the first random verification code to payer lawful registration after receiving dynamic password identification request; Mobile terminal receives described second random verification code;
Payment terminals is sent to server after receiving described second random verification code;
Server judges the ageing of the second random verification code;
If it is ageing that server judges that the second random verification code has, then contrast the second random code whether consistent with the first random verification code;
If so, be verified;
If not, recognition result is returned to payment terminals.
Another technical scheme provided by the invention is:
A system for security fingerprint transaction payment, comprises payment terminals, server and mobile terminal that wireless telecommunications connect; Described payment terminals comprises acquisition module, extraction module, sending module and the first receiver module; Described server comprises the first reading module, the second receiver module, the second judge module and the 3rd judge module; Described mobile terminal comprises the 3rd receiver module;
Described acquisition module, collects information in fingerprint for payment terminals;
Described extraction module, extracts the characteristic of described information in fingerprint for payment terminals;
Described sending module, is sent to server for payment terminals by described characteristic; Payment terminals submits to dynamic password identification request to server;
Described first receiver module, is sent to server after receiving described second random verification code for payment terminals;
Described first reading module, judges in database whether to store described characteristic after receiving described characteristic for server; If not, then recognition result is returned to payment terminals; If so, be identified by;
Described second receiver module, sends first random verification code mobile terminal to payer lawful registration after receiving dynamic password identification request for server;
Described second reading module, judges the ageing of the second random verification code for server;
If it is ageing that server judges that the second random verification code has, then trigger the 3rd reading module;
Described 3rd judge module, whether consistent with the first random verification code for contrasting the second random code;
If so, be verified;
If not, recognition result is returned to payment terminals;
Described 3rd receiver module, receives described second random verification code for mobile terminal.
Beneficial effect of the present invention is: the present invention is different from the fingerprint transaction payment process of prior art to be existed illegal molecule and utilize the fingerprint picture of fingerprint gloves or validated user to be verified by existing fingerprint recognition system, and existing fingerprint recognition system all cannot propose to improve to overcome the problems referred to above to fingerprint identification technology itself over nearly 15 years, thus fingerprint mode of doing business is caused to there is the deficiency of huge potential safety hazard.The invention provides a kind of method and system of security fingerprint transaction payment, payment terminals, between server and mobile terminal, at least perform fingerprint recognition and dynamic challenge code two kinds checking licensing process, ensured security and the legitimacy of financial transaction payment by dual checking, guarantee that payer is account/account lawful owner.Further, security fingerprint transaction payment process of the present invention has taken into account the feature of transaction flow terseness, security and convenience, and significantly improves the safe class of financial transaction payment process.
Accompanying drawing explanation
Fig. 1 is the FB(flow block) of the method for existing security fingerprint transaction payment;
Fig. 2 is the FB(flow block) of the method for a kind of security fingerprint transaction payment of one embodiment of the invention;
Fig. 3 is the FB(flow block) of the method for a kind of security fingerprint transaction payment of another embodiment of the present invention;
Fig. 4 is the structure compositional block diagram of the system of a kind of security fingerprint transaction payment of one embodiment of the invention.
Label declaration:
1, payment terminals; 2, server; 3, mobile terminal;
11, acquisition module; 12, extraction module; 13, the first receiver module; 14, sending module; 15, computing module;
21, the first reading module; 22, the second receiver module; 23, the second reading module; 24, the 3rd judge module;
31, the 3rd receiver module.
Embodiment
By describing technology contents of the present invention in detail, realized object and effect, accompanying drawing is coordinated to be explained below in conjunction with embodiment.
The design of most critical of the present invention is: at least perform fingerprint recognition and dynamic challenge code two kinds checking authorization flow, ensured security and the legitimacy of financial transaction payment, guarantee that payer is account/account lawful owner by dual checking.
Please refer to Fig. 1 to Fig. 4, the invention provides a kind of method of security fingerprint transaction payment, comprise payment terminals 1, server 2 and mobile terminal 3 that wireless telecommunications connect;
Payment terminals 1 collects information in fingerprint; Payment terminals 1 extracts the characteristic of described information in fingerprint;
Described characteristic is sent to server 2 by payment terminals 1; Server 2 judges whether store described characteristic in database after receiving described characteristic;
If not, recognition result is returned to payment terminals 1;
If so, be identified by;
Payment terminals 1 submits to dynamic password identification request to server 2; Server 2 sends the mobile terminal 3 of the first random verification code to payer lawful registration after receiving dynamic password identification request; Mobile terminal 3 receives described second random verification code;
Payment terminals 1 is sent to server 2 after receiving described second random verification code;
Server 2 judges the ageing of the second random verification code;
If it is ageing that server 2 judges that the second random verification code has, then contrast the second random code whether consistent with the first random verification code;
If so, be verified;
If not, recognition result is returned to payment terminals 1.
It should be noted that, dynamic challenge code is the random number character code generated according to algorithm by system, and the mechanism of checking in certain hour requires.Dynamic challenge code in the present invention is directly sent in the mobile terminal 3 that validated user carries with by server 2, and is committed to server 2 by payment terminals 1 and verifies.The approach that visible dynamic challenge code sends and receives is different from the approach that information in fingerprint is uploaded, thus ensure that the security of dynamic challenge code.
From foregoing description, beneficial effect of the present invention is: a kind of method that the invention provides security fingerprint transaction payment, payment terminals 1, between server 2 and mobile terminal 3, at least perform fingerprint recognition and dynamic challenge code two kinds checking licensing process, ensured security and the legitimacy of financial transaction payment by dual checking, guarantee that payer is account/account lawful owner.Further, security fingerprint transaction payment process of the present invention has taken into account the feature of transaction flow terseness, security and convenience, significantly improves the safe class of financial transaction payment process.
It should be noted that, current non-optical fingerprint Identification sensor is probably divided into following a few class:
1 condenser type: by read Fingers wrinkle ridge paddy capacitance obtain different come fingerprint image obtain.
2RF formula: complete fingerprint image by the reflection of radiofrequency signal on finger and obtain.
3 heat type: by identifying that the different temperatures of Fingers wrinkle ridge paddy completes fingerprint image and obtains.
Current most sensor points whether ground connection or have finger venous image to determine whether real finger by detecting, so cannot judge that the fingerprint sleeve after improvement (mixes partially conductive material, according to the silica gel sheath that fingerprint image is made, silica gel sheath leaves fine and smooth fingerprint lines) deception.
The effect that triple checking can realize:
Existing transaction system often occur the account of user and password stolen after cause the situation of property loss, user and financial institution all can suffer loss in various degree.And use triple checking just can avoid this kind of situation afterwards.First: the registered fingerprint of the corresponding client that ordinary person cannot obtain easily.Secondly: even if the password of client is revealed, but verify due to registered fingerprint cannot be obtained.Again: even if the fingerprint of client and password are revealed simultaneously, so dynamically challenge code also will effectively stop transaction to be carried out.So triple checking effectively can solve the worry of current financial sector, even if the effect of user owner can be determined.Triple verification the verifying results of native system are better than existing transaction system.
Further, payment terminals 1 is sent to server 2 after receiving payment cipher data;
Server 2 judges that whether payment cipher data are correct;
If so, be then verified;
If not, then payment terminals 1 is returned the result to.
Seen from the above description, concrete, the present invention has the following advantages:
1, the present invention can effectively avoid fingerprint image to be stolen and the illegal transaction that caused by the information in fingerprint that fingerprint sensor uploads validated user or illegally authorize;
2, the present invention carrys out the legitimacy of validation of payment side by least two kinds of safe recognition method, very easily can merge with existing financial transaction system, and obviously promote safe class, take into account the convenience of user simultaneously, meet the use habit of user;
3, the present invention can realize the checking being realized more high safety grade by fingerprint recognition, dynamic code checking and the triple verification mode of payment cipher equally, effectively can ensure the security of some high Authorized operations, the high trading occasion that safe class is being had higher requirements, even if the fingerprint data of user and payment cipher are revealed, due to the existence of dynamic challenge code, disabled user cannot obtain transaction and authorising conditional equally.
Further, fingerprint identification process comprises:
Payment terminals 1 collects the first information in fingerprint;
Payment terminals 1 carries out algorithm conversion to described first information in fingerprint, forms fisrt feature code;
The database that described fisrt feature code is sent to server 2 stores by payment terminals 1;
Payment terminals 1 receives the second information in fingerprint;
Payment terminals 1 is changed according to described algorithm described second information in fingerprint, forms second feature code;
Second feature code is sent to server 2 by payment terminals 1; Server 2 judges that whether fisrt feature code is consistent with second feature code;
If so, payment terminals 1 is then returned the result to;
If not, be then identified by.
Seen from the above description, in security fingerprint transaction payment method of the present invention, payment terminals 1 is after receiving the information in fingerprint that validated user submits in registration process, the algorithm special by system itself is changed information in fingerprint, condition code is obtained after conversion, and will contrast in the database stored in server 2 bound with user account information, it should be noted that, the condition code formed by special algorithm conversion in the present invention is irreversible to being converted to fingerprint image data, irreversible due to condition code, even so disabled user has stolen condition code, also the original fingerprint image document of validated user can not be caused to reveal, protect the privacy of client to a certain extent.
In transaction payment process, payment terminals 1 will get the information in fingerprint of client's submission, is sent to server 2 after being converted to condition code form equally to information in fingerprint according to special algorithm; Searched by server 2 contrasting data storehouse, if store described condition code in database, and described condition code and trading account are corresponding, then pass through fingerprint recognition.
The checking of fingerprint recognition in the present invention, dynamic code and payment cipher checking can be carry out successively, also can configure the sequencing of execution according to demand flexibly.
Can according to the Secure Transaction grade of businessman needed for the configuration of the situation such as transaction place or dealing money, concrete can be divided into: 1, intermediate security grade: fingerprint recognition+payment cipher identification transaction system, because effectively evading fingerprint recognition system still exists some technology barriers at present, be higher than the transaction system of current user account+password with the security of common 6 password adding fingerprint identifications.2, high safety grade: fingerprint recognition+password identification+dynamically challenge code, because the trading password of groups of people still has leakage in various degree in actual life, this type of risk then should be evaded as a side of risk side by financial institution.Adopt high safety grade transaction system then can effectively avoid this type of risk, financial institution also can adopt this type systematic to carry out the operation of high permission grant simultaneously.Dynamic challenge code system refers to that background server 2 is generated one section of random mark according to certain random algorithm and is sent to mobile phone or the terminal of account holder by the path different from transaction system, and will pass through mobile phone or terminal return service device 2 random mark verification system validates validity within a certain period of time.
Another technical scheme provided by the invention is:
A system for security fingerprint transaction payment, comprises payment terminals 1, server 2 and mobile terminal 3 that wireless telecommunications connect; Described payment terminals 1 comprises acquisition module 11, extraction module 13, sending module 14 and the first receiver module 13; Described server 2 comprises the first reading module 21, second receiver module 22, second judge module and the 3rd judge module 24; Described mobile terminal 3 comprises the 3rd receiver module 31;
Described acquisition module 11, collects information in fingerprint for payment terminals 1;
Described extraction module 13, extracts the characteristic of described information in fingerprint for payment terminals 1;
Described sending module 14, is sent to server 2 for payment terminals 1 by described characteristic; Payment terminals 1 submits to dynamic password identification request to server 2;
Described first receiver module 13, is sent to server 2 after receiving described second random verification code for payment terminals 1;
Described first reading module 21, judges in database whether to store described characteristic after receiving described characteristic for server 2; If not, then recognition result is returned to payment terminals 1; If so, be identified by;
Described second receiver module 22, sends the mobile terminal 3 of the first random verification code to payer lawful registration for server 2 after receiving dynamic password identification request;
Described second reading module 23, judges the ageing of the second random verification code for server 2;
If it is ageing that server 2 judges that the second random verification code has, then trigger the 3rd reading module;
Described 3rd judge module 24, whether consistent with the first random verification code for contrasting the second random code;
If so, be verified;
If not, recognition result is returned to payment terminals 1;
Described 3rd receiver module 31, receives described second random verification code for mobile terminal 3.
From foregoing description, beneficial effect of the present invention is: the system that the invention provides a kind of security fingerprint transaction payment, payment terminals 1, between server 2 and mobile terminal 3, at least perform fingerprint recognition and dynamic challenge code two kinds checking licensing process, ensured security and the legitimacy of financial transaction payment by dual checking, guarantee that payer is account/account lawful owner.Further, security fingerprint transaction payment process of the present invention has taken into account the feature of transaction flow terseness, security and convenience, significantly improves the safe class of financial transaction payment process.
Further, server 2 is sent to after described first receiver module 13 also receives payment cipher data for payment terminals 1;
For server 2, described second judge module also judges that whether payment cipher data are correct;
If so, be then verified;
If not, then payment terminals 1 is returned the result to.
From the above, described payment terminals 1 also comprises computing module 15;
Described acquisition module 11 is also for collecting the first information in fingerprint;
Described computing module 15, carries out algorithm conversion for payment terminals 1 to described first information in fingerprint, forms fisrt feature code; Described second information in fingerprint is changed according to described algorithm, forms second feature code;
The database that described fisrt feature code is sent to server 2 also stores for payment terminals 1 by described sending module 14; Second feature code is sent to server 2;
Described first receiver module 13 also receives the second information in fingerprint for payment terminals 1;
For server 2, described second reading module 23 also judges that whether fisrt feature code is consistent with second feature code;
If so, payment terminals 1 is then returned the result to;
If not, be then identified by.
From the above,
Further, described payment terminals 1 is POS payment terminals 1.
Further, described mobile terminal 3 is mobile phone or flat board.
Please refer to figure, embodiments of the invention one are:
A kind of practice of security fingerprint transaction payment mode is as follows:
Client registers finger print information in advance in this payment system, need the link client paid only need thrust out one's fingers client and carry out fingerprint recognition in fingerprint recognition terminal, system server 2 automatically locks user account according to the finger print information that terminal is uploaded and requires that terminal notifying inputs password.Client is after input password, and server 2 can judge that whether password is correct.If password bad, refuse transaction or authorize.If password is correct, system server 2 can send a dynamic challenge code automatically on the mobile terminal 3 of client.Client needs to input dynamic challenge code at the appointed time, if dynamic challenge code mistake, refuses to authorize or transaction.If correct, perform and authorize or transaction.So far a complete transaction authorization process can be completed.
In sum, the method and system of a kind of security fingerprint transaction payment provided by the invention, can not only carry out dual legal checking to payer, improve the security of financial transaction payment process; And support triple verification mode simultaneously, guarantee that payer is validated user, without any false possibility; Further, the present invention's security fingerprint transaction payment process used has taken into account the feature of transaction flow terseness, security and convenience, significantly improves the safe class of financial transaction payment process.
The foregoing is only embodiments of the invention; not thereby the scope of the claims of the present invention is limited; every equivalents utilizing instructions of the present invention and accompanying drawing content to do, or be directly or indirectly used in relevant technical field, be all in like manner included in scope of patent protection of the present invention.
Claims (8)
1. a method for security fingerprint transaction payment, is characterized in that, comprises payment terminals, server and mobile terminal that wireless telecommunications connect;
Payment terminals collects information in fingerprint; Payment terminals extracts the characteristic of described information in fingerprint;
Described characteristic is sent to server by payment terminals; Server judges whether store described characteristic in database after receiving described characteristic;
If not, recognition result is returned to payment terminals;
If so, be identified by;
Payment terminals submits to dynamic password identification request to server; Server sends the mobile terminal of the first random verification code to payer lawful registration after receiving dynamic password identification request; Mobile terminal receives described second random verification code;
Payment terminals is sent to server after receiving described second random verification code;
Server judges the ageing of the second random verification code;
If it is ageing that server judges that the second random verification code has, then contrast the second random code whether consistent with the first random verification code;
If so, be verified;
If not, recognition result is returned to payment terminals.
2. the method for a kind of security fingerprint transaction payment according to claim 1, is characterized in that, also comprise:
Payment terminals is sent to server after receiving payment cipher data;
Server judges that whether payment cipher data are correct;
If so, be then verified;
If not, then payment terminals is returned the result to.
3. the method for a kind of security fingerprint transaction payment according to claim 1 and 2, it is characterized in that, fingerprint identification process comprises:
Payment terminals collects the first information in fingerprint;
Payment terminals carries out algorithm conversion to described first information in fingerprint, forms fisrt feature code;
The database that described fisrt feature code is sent to server stores by payment terminals;
Payment terminals receives the second information in fingerprint;
Payment terminals is changed according to described algorithm described second information in fingerprint, forms second feature code;
Second feature code is sent to server by payment terminals; Server judges that whether fisrt feature code is consistent with second feature code;
If so, then payment terminals is returned the result to;
If not, be then identified by.
4. a system for security fingerprint transaction payment, is characterized in that, comprises payment terminals, server and mobile terminal that wireless telecommunications connect; Described payment terminals comprises acquisition module, extraction module, sending module and the first receiver module; Described server comprises the first reading module, the second receiver module, the second judge module and the 3rd judge module; Described mobile terminal comprises the 3rd receiver module;
Described acquisition module, collects information in fingerprint for payment terminals;
Described extraction module, extracts the characteristic of described information in fingerprint for payment terminals;
Described sending module, is sent to server for payment terminals by described characteristic; Payment terminals submits to dynamic password identification request to server;
Described first receiver module, is sent to server after receiving described second random verification code for payment terminals;
Described first reading module, judges in database whether to store described characteristic after receiving described characteristic for server; If not, then recognition result is returned to payment terminals; If so, be identified by;
Described second receiver module, sends first random verification code mobile terminal to payer lawful registration after receiving dynamic password identification request for server;
Described second reading module, judges the ageing of the second random verification code for server;
If it is ageing that server judges that the second random verification code has, then trigger the 3rd reading module;
Described 3rd judge module, whether consistent with the first random verification code for contrasting the second random code;
If so, be verified;
If not, recognition result is returned to payment terminals;
Described 3rd receiver module, receives described second random verification code for mobile terminal.
5. the system of a kind of security fingerprint transaction payment according to claim 4, is characterized in that,
Described first receiver module is sent to server after also receiving payment cipher data for payment terminals;
For server, described second judge module also judges that whether payment cipher data are correct;
If so, be then verified;
If not, then payment terminals is returned the result to.
6. the system of a kind of security fingerprint transaction payment according to claim 4 or 5, it is characterized in that, described payment terminals also comprises computing module;
Described acquisition module is also for collecting the first information in fingerprint;
Described computing module, carries out algorithm conversion for payment terminals to described first information in fingerprint, forms fisrt feature code; Described second information in fingerprint is changed according to described algorithm, forms second feature code;
The database that described fisrt feature code is sent to server also stores for payment terminals by described sending module; Second feature code is sent to server;
Described first receiver module also receives the second information in fingerprint for payment terminals;
For server, described second reading module also judges that whether fisrt feature code is consistent with second feature code;
If so, then payment terminals is returned the result to;
If not, be then identified by.
7. the system of a kind of security fingerprint transaction payment according to claim 4, is characterized in that, described payment terminals is POS payment terminals.
8. the system of a kind of security fingerprint transaction payment according to claim 4, is characterized in that, described mobile terminal is mobile phone or flat board.
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| CN201410814641.0A CN104484804A (en) | 2014-12-24 | 2014-12-24 | Secure fingerprint transaction paying method and system |
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