CN104657858A - Electronic wallet identity authentication method and device as well as mobile terminal - Google Patents

Electronic wallet identity authentication method and device as well as mobile terminal Download PDF

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Publication number
CN104657858A
CN104657858A CN201310589887.8A CN201310589887A CN104657858A CN 104657858 A CN104657858 A CN 104657858A CN 201310589887 A CN201310589887 A CN 201310589887A CN 104657858 A CN104657858 A CN 104657858A
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CN
China
Prior art keywords
fingerprint
information
code
condition code
stored value
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201310589887.8A
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Chinese (zh)
Inventor
葛建新
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China Mobile Group Guangdong Co Ltd
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China Mobile Group Guangdong Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
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Application filed by China Mobile Group Guangdong Co Ltd filed Critical China Mobile Group Guangdong Co Ltd
Priority to CN201310589887.8A priority Critical patent/CN104657858A/en
Publication of CN104657858A publication Critical patent/CN104657858A/en
Pending legal-status Critical Current

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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
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/18Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H04L9/3231Biological data, e.g. fingerprint, voice or retina

Abstract

The invention provides an electronic wallet identity authentication method and device as well as a mobile terminal, and relates to the field of mobile payment. The method comprises the following steps: receiving consumption information sent by a selling terminal; after the consumption information is confirmed, acquiring fingerprint information, and generating a fingerprint feature code; encrypting the fingerprint feature code to obtain an encrypted fingerprint feature code; sending the encrypted fingerprint feature code for authentication. According to the method, by the adoption of the mode of authenticating the identity by checking the fingerprint feature code, loss caused by password losing or stealing is avoided.

Description

A kind of stored value card identity identifying method, device and mobile terminal
Technical field
The present invention relates to mobile payment field, refer to a kind of stored value card identity identifying method, device and mobile terminal especially.
Background technology
Along with the development of scientific and technological level, payment when mobile terminal is applied to shopping by people more and more widely.Current mobile payment technology has two kinds of modes: one is that near field pays, and namely realizes electronic payment function under line by the mobile terminal of integrating with close range communication NFC function; Two is remote payments, is undertaken line pays by wireless network (2G, 3G, WLAN etc.) by mobile terminal.
The technology of mode one is embodied as: user swipes the card in noncontact POS terminal, initiates to pay request to financial institution data center, and financial institution data center receives to pay and asks and carry out account balance operation, returns payment affirmation information.The technology of mode two is embodied as: user submits identity information to financial institution data center and initiates to pay request, financial institution data center receives authentication information and carries out authentication, certification, by accepting the request of payment, is carried out account balance operation, is returned payment affirmation information.But all there is respective shortcoming in existing two kinds of modes, can not ensure the security of mobile payment.
Mode one exist major defect: 1. user noncontact POS terminal carry out small amount payment (with user set the amount of money or credit card issuer regulation be as the criterion) time not signature verification, do not verify password, once customer mobile terminal is lost, there is the possibility of stolen brush, simultaneously, mobile terminal is lost and is caused user not report the loss in time, more increases the loss that user is potential.2. user noncontact POS terminal carry out wholesale payment (with user set the amount of money or credit card issuer regulation be as the criterion) time need input password, although security is higher compared with small amount payment, but to reduce convenience for cost, compare all without clear superiority in security and convenience with the conventional contacts POS terminal mode of swiping the card, but hardware cost is higher.
The major defect that mode two exists: 1. there is the risk that password is lost.User cipher lose be one comparatively common be also comparatively general phenomenon, because input password does not mate with financial institution data central store original password, cause that to pay the phenomenon that cannot pass through of request of common occurrence.2. there is the risk be stolen.In user's payment process, Password Input all adopts the form of manual expressly input, and be easy to memorize, the situation stealing user password information thus happens occasionally.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of stored value card identity identifying method, device and mobile terminal, realizes the high security of mobile payment.
For achieving the above object, embodiments of the invention provide a kind of stored value card identity identifying method, comprise the following steps:
Receive the consumption information that point-of-sale terminal sends;
After the described consumption information of confirmation, obtain finger print information and generate fingerprint character code;
Described fingerprint characteristic code encryption is obtained cryptographic fingerprint condition code;
Send described cryptographic fingerprint condition code etc. to be certified.
Wherein, after the described consumption information of confirmation, obtain finger print information and the step generating fingerprint character code is specially:
Gather original fingerprint image;
Pre-service is carried out to described original fingerprint image, generates refinement fingerprint image;
End points and crunode analysis are carried out to described refinement fingerprint image, identifies fingerprint feature point, and generate fingerprint character code in conjunction with characteristic points topological structure.
Wherein, when remote payment, also step is comprised:
Order is submitted to described point-of-sale terminal.
Wherein, send the steps to be certified such as described cryptographic fingerprint condition code to be specially:
When paying near field, send described cryptographic fingerprint condition code to described point-of-sale terminal and carry out certification through financial institution data center again; Or
When remote payment, directly the described cryptographic fingerprint condition code of transmission and described consumption information carry out certification to financial institution data center.
Wherein, the step that certification is carried out at described financial institution data center is specially:
After receiving described cryptographic fingerprint condition code, decoding obtains fingerprint character code;
According to the comparison in a database of described fingerprint character code, authenticating identity;
Delivery operation is completed after authentication is passed through.
The embodiment of the present invention also provides a kind of stored value card identification authentication system, comprising:
First information receiver module, for receiving the consumption information that point-of-sale terminal sends;
Fingerprint identification device, for after the described consumption information of confirmation, obtains finger print information and generates fingerprint character code;
Encryption device, for obtaining cryptographic fingerprint condition code by described fingerprint characteristic code encryption;
First information sending module, to be certified for sending described cryptographic fingerprint condition code etc.
Wherein, described fingerprint identification device also comprises:
Fingerprint collecting unit, for gathering original fingerprint image;
Fingerprint pretreatment unit, for carrying out pre-service to described original fingerprint image, generates refinement fingerprint image;
Fingerprint characteristic recognition unit, for carrying out end points and crunode analysis to described refinement fingerprint image, identifies fingerprint feature point, and generates fingerprint character code in conjunction with characteristic points topological structure.
Wherein, also comprise:
3rd information sending module, for when remote payment, submits order to described point-of-sale terminal.
Wherein, described first information sending module comprises:
Information sends first module, during for paying near field, sending described cryptographic fingerprint condition code to described point-of-sale terminal and carrying out certification through financial institution data center again;
Information sends second unit, for when remote payment, directly sends described cryptographic fingerprint condition code and described consumption information carries out certification to financial institution data center.
Embodiments of the invention also provide a kind of mobile terminal, comprise stored value card identification authentication system as above.
The beneficial effect of technique scheme of the present invention is as follows:
The stored value card identity identifying method of the embodiment of the present invention, passes through step: receive the consumption information that point-of-sale terminal sends; After the described consumption information of confirmation, obtain finger print information and generate fingerprint character code; Described fingerprint characteristic code encryption is obtained cryptographic fingerprint condition code; Send described cryptographic fingerprint condition code etc. to be certified.User holds when mobile terminal is swiped the card and only needs to make to press with finger, and the information of taking the fingerprint completes authentication, decreases Password Input operation, improves convenience.And due to everyone fingerprint be unique, need not worry that password is lost, stolen, and finger-print cipher is not easily by third party's memorize, and the unselfish close environmental restraint of input password link, improves security.
Accompanying drawing explanation
Fig. 1 is the step schematic diagram of the stored value card identity identifying method of the embodiment of the present invention;
Fig. 2 is the schematic diagram of the stored value card identification authentication system of the embodiment of the present invention.
Embodiment
For making the technical problem to be solved in the present invention, technical scheme and advantage clearly, be described in detail below in conjunction with the accompanying drawings and the specific embodiments.
The present invention is directed to existing mobile payment mode, when there is small amount payment not signature verification, not verify cipher safety low, and during wholesale payment, need input password convenience low, also there is the problem that password is lost and is stolen simultaneously, a kind of stored value card identity identifying method is provided, realizes high security.
As shown in Figure 1, the stored value card identity identifying method of the embodiment of the present invention, comprises the following steps:
S1, receives the consumption information that point-of-sale terminal sends;
S2, after the described consumption information of confirmation, obtains finger print information and generates fingerprint character code;
S3, obtains cryptographic fingerprint condition code by described fingerprint characteristic code encryption;
S4, sends described cryptographic fingerprint condition code etc. to be certified.
By the S1 of the stored value card identity identifying method of the embodiment of the present invention, S2, S3, S4 step, user holds when mobile terminal is swiped the card and only needs to make to press with finger, and the information of taking the fingerprint completes authentication, decreases Password Input operation, improves convenience.And due to everyone fingerprint be unique, need not worry that password is lost, stolen, and finger-print cipher is not easily by third party's memorize, and the unselfish close environmental restraint of input password link, improves security.
In the stored value card identity identifying method of the above-mentioned embodiment of the present invention, finger print information carries out transmission to be needed to generate fingerprint character code, therefore, the stored value card identity identifying method of another embodiment of the present invention, the concrete steps generating fingerprint character code S2 are:
Gather original fingerprint image;
Pre-service is carried out to described original fingerprint image, generates refinement fingerprint image;
End points and crunode analysis are carried out to described refinement fingerprint image, identifies fingerprint feature point, and generate fingerprint character code in conjunction with characteristic points topological structure.
Original fingerprint image and user input fingerprint image, and such as user can input the finger print information of oneself by touch-screen, just can collect original fingerprint image.Subsequently the original fingerprint image collected is carried out the pre-service such as image enhaucament, remove noise, generate refinement fingerprint image.Then, by the end points of refinement fingerprint image and crunode analysis, identify unique point, and unique point refers to unique in people's fingerprint image, measurable end points and crunode, finally generate fingerprint character code in conjunction with characteristic points topological structure figure.
By above-mentioned step, obtain the fingerprint character code comprising finger print information, but illegal molecule is in order to steal the information of people, often adopt some illegal means to go to intercept and capture fingerprint character code, therefore, fingerprint character code must be encrypted, avoid the leakage of information, i.e. S3 step.The stored value card identity identifying method of the embodiment of the present invention is that use safety algorithm carries out high strength encrypting to condition code, the PKI algorithm that preferably security intensity is the highest at present, and along with the development of technology, encrypting the algorithm adopted and can improve yet, is not unique.
The stored value card identity identifying method of the embodiment of the present invention, can be applied near field and pay and remote payment two kinds of scenes.Due in remote payment, first initiate consumption by user, therefore, when remote payment, also comprise step:
Order is submitted to described point-of-sale terminal.
Generally speaking, in near field payment and remote payment two kinds of scenes, in order to the security of identity information, it is provide information carry out verifying but provide information to verify by customer mobile terminal directly to financial institution data center by point-of-sale terminal to financial institution data center that remote payment pays unlike near field, so, the stored value card identity identifying method of another embodiment of the present invention, on the basis of above-described embodiment, step S4 is specially:
When paying near field, send described cryptographic fingerprint condition code to described point-of-sale terminal and carry out certification through financial institution data center again; Or
When remote payment, directly the described cryptographic fingerprint condition code of transmission and described consumption information carry out certification to financial institution data center.
No matter pay or remote payment near field, final is all that cryptographic fingerprint condition code and consumption information are committed to financial institution data center, and financial institution data center is after receiving cryptographic fingerprint condition code, just go to carry out authentication, the stored value card identity identifying method of another embodiment of the present invention, the step that certification is carried out at financial institution data center is specially:
After receiving described cryptographic fingerprint condition code, decoding obtains fingerprint character code;
According to the comparison in a database of described fingerprint character code, authenticating identity;
Delivery operation is completed after authentication is passed through.
First cryptographic fingerprint condition code is decoded, then contrast to carry out authentication with the fingerprint character code in database, after authentication is passed through, complete delivery operation according to consumption information.Certainly, identity authentication result and payment result can be returned for checking toward contact.
So far, payment is completed.In the stored value card identity identifying method of the invention described above embodiment, exchange preferred near-field communication NFC or Wireless Communication Equipment realization according to existing technological means wireless data, but be not unique selection.
Below for two kinds of scenes, provide embody rule respectively.The stored value card identity identifying method of another embodiment of the present invention, be applied in the payment of near field, idiographic flow is as follows:
Step 1, businessman is at noncontact POS terminal input spending amount, and request user card punching confirms consumption.
Step 2, user uses mobile terminal to swipe the card, and noncontact POS terminal reads subscriber card information by NFC device in mobile terminal.
Step 3, user reads finger print information by mobile terminal built-in high resolving power touch-screen or other fingerprint identification devices built-in, and generates the corresponding unique features code of this fingerprint.
Step 4, encryption device is by the interface captures user fingerprint character code with fingerprint identification device, and use safety algorithm carries out high strength encrypting to condition code.
Step 5, after mobile terminal submits encryption by built-in NFC device to noncontact POS terminal, fingerprint character code is used for authentication.
Step 6, fingerprint character code after noncontact POS terminal submits payment information and encryption to financial institution data center.
Step 7, financial institution data center to be received after the request of payment and encryption after fingerprint character code, first decoding is carried out to fingerprint character code and and in database original condition code compare with authenticated identity, authentication is passed through then to carry out delivery operation.
Step 8, financial institution data center returns noncontact POS terminal identity authentication result and payment result.
So far, payment authenticating user identification near field terminates.And the stored value card identity identifying method of another embodiment of the present invention, be applied in authentication during remote payment, idiographic flow is as follows:
Step 1, user submits the order of service or commodity to Network Provider.
Step 2, Network Provider comprehensively determines the order amount of money according to subscribed services or cargo price and quantity and discount etc., returns this amount of money of user and jump on line to pay the page.
Step 3, user reads finger print information by mobile terminal built-in high resolving power touch-screen or other fingerprint identification devices built-in, and generates the corresponding unique features code of this fingerprint.
Step 4, encryption device is by the interface captures user fingerprint character code with fingerprint identification device, and use safety algorithm carries out high strength encrypting to condition code.
Step 5, after mobile terminal submits payment information and encryption by radio reception device to financial institution data center, fingerprint character code is used for authentication.
Step 6, financial institution data center to be received after the request of payment and encryption after fingerprint character code, first decoding is carried out to fingerprint character code and and in database original condition code compare with authenticated identity, authentication is passed through then to carry out delivery operation.
Step 7, financial institution data center returns Network Provider identity authentication result and payment result.
So far, remote payment authenticating user identification flow process terminates.
Pass through such scheme, the stored value card identity identifying method of embodiments of the invention, finger print information is adopted to complete authentication, decrease Password Input operation, improve convenience, reduce password loss, stolen risk, finger-print cipher is also not easily by third party's memorize, the unselfish close environmental restraint of input password link, improves security.In near field and remote payment, the needs of security can be met.
In order to solve the problem, the embodiment of the present invention also provides a kind of stored value card identification authentication system, comprising:
First information receiver module, for receiving the consumption information that point-of-sale terminal sends;
Fingerprint identification device, for after the described consumption information of confirmation, obtains finger print information and generates fingerprint character code;
Encryption device, for obtaining cryptographic fingerprint condition code by described fingerprint characteristic code encryption;
First information sending module, to be certified for sending described cryptographic fingerprint condition code etc.
Wherein, described fingerprint identification device also comprises:
Fingerprint collecting unit, for gathering original fingerprint image;
Fingerprint pretreatment unit, for carrying out pre-service to described original fingerprint image, generates refinement fingerprint image;
Fingerprint characteristic recognition unit, for carrying out end points and crunode analysis to described refinement fingerprint image, identifies fingerprint feature point, and generates fingerprint character code in conjunction with characteristic points topological structure.
Wherein, also comprise:
3rd information sending module, for when remote payment, submits order to described point-of-sale terminal.
Wherein, described first information sending module comprises:
Information sends first module, during for paying near field, sending described cryptographic fingerprint condition code to described point-of-sale terminal and carrying out certification through financial institution data center again;
Information sends second unit, for when remote payment, directly sends described cryptographic fingerprint condition code and described consumption information carries out certification to financial institution data center.
It should be noted that this device is the device applying above-mentioned stored value card identity identifying method, the implementation of above-mentioned stored value card identity identifying method is applicable to, in this device, also can reach identical technique effect.
Embodiments of the invention also provide a kind of mobile terminal, comprise stored value card identification authentication system as above.Only need make to press with finger at mobile terminal when swiping the card, the information that takes the fingerprint, to complete authentication, decreases Password Input operation, improves convenience.
Same, the implementation of above-mentioned stored value card identity identifying method is applicable to, in this mobile terminal, also can reach identical technique effect.
The above is the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the prerequisite not departing from principle of the present invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.

Claims (10)

1. a stored value card identity identifying method, is characterized in that, comprises the following steps:
Receive the consumption information that point-of-sale terminal sends;
After the described consumption information of confirmation, obtain finger print information and generate fingerprint character code;
Described fingerprint characteristic code encryption is obtained cryptographic fingerprint condition code;
Send described cryptographic fingerprint condition code etc. to be certified.
2. stored value card identity identifying method according to claim 1, is characterized in that, after the described consumption information of confirmation, obtains finger print information and the step generating fingerprint character code is specially:
Gather original fingerprint image;
Pre-service is carried out to described original fingerprint image, generates refinement fingerprint image;
End points and crunode analysis are carried out to described refinement fingerprint image, identifies fingerprint feature point, and generate fingerprint character code in conjunction with characteristic points topological structure.
3. stored value card identity identifying method according to claim 1, is characterized in that, when remote payment, also comprises step:
Order is submitted to described point-of-sale terminal.
4. stored value card identity identifying method according to claim 1, is characterized in that, sends the steps to be certified such as described cryptographic fingerprint condition code and is specially:
When paying near field, send described cryptographic fingerprint condition code to described point-of-sale terminal and carry out certification through financial institution data center again; Or
When remote payment, directly the described cryptographic fingerprint condition code of transmission and described consumption information carry out certification to financial institution data center.
5. stored value card identity identifying method according to claim 4, is characterized in that, the step that certification is carried out at described financial institution data center is specially:
After receiving described cryptographic fingerprint condition code, decoding obtains fingerprint character code;
According to the comparison in a database of described fingerprint character code, authenticating identity;
Delivery operation is completed after authentication is passed through.
6. a stored value card identification authentication system, is characterized in that, comprising:
First information receiver module, for receiving the consumption information that point-of-sale terminal sends;
Fingerprint identification device, for after the described consumption information of confirmation, obtains finger print information and generates fingerprint character code;
Encryption device, for obtaining cryptographic fingerprint condition code by described fingerprint characteristic code encryption;
First information sending module, to be certified for sending described cryptographic fingerprint condition code etc.
7. device according to claim 6, is characterized in that, described fingerprint identification module comprises:
Fingerprint collecting unit, for gathering original fingerprint image;
Fingerprint pretreatment unit, for carrying out pre-service to described original fingerprint image, generates refinement fingerprint image;
Fingerprint characteristic recognition unit, for carrying out end points and crunode analysis to described refinement fingerprint image, identifies fingerprint feature point, and generates fingerprint character code in conjunction with characteristic points topological structure.
8. device according to claim 6, is characterized in that, also comprises:
3rd information sending module, for when remote payment, submits order to described point-of-sale terminal.
9. device according to claim 6, is characterized in that, described first information sending module comprises:
Information sends first module, during for paying near field, sending described cryptographic fingerprint condition code to described point-of-sale terminal and carrying out certification through financial institution data center again;
Information sends second unit, for when remote payment, directly sends described cryptographic fingerprint condition code and described consumption information carries out certification to financial institution data center.
10. a mobile terminal, is characterized in that, comprises the stored value card identification authentication system as described in any one of claim 6-9.
CN201310589887.8A 2013-11-20 2013-11-20 Electronic wallet identity authentication method and device as well as mobile terminal Pending CN104657858A (en)

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CN107609867A (en) * 2017-09-28 2018-01-19 山西特信环宇信息技术有限公司 A kind of electronic purse system and operating method based on biological identification technology
CN112819470A (en) * 2020-12-31 2021-05-18 天地融科技股份有限公司 Hardware wallet fingerprint authentication method and system and hardware wallet

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Application publication date: 20150527