CN104732389A - Credit card settlement method adopting organism authentication terminal - Google Patents
Credit card settlement method adopting organism authentication terminal Download PDFInfo
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- CN104732389A CN104732389A CN201510136351.XA CN201510136351A CN104732389A CN 104732389 A CN104732389 A CN 104732389A CN 201510136351 A CN201510136351 A CN 201510136351A CN 104732389 A CN104732389 A CN 104732389A
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Abstract
The invention discloses a credit card settlement method adopting an organism authentication terminal. The credit card settlement method comprises the steps: a shop terminal device and a server and a mobile phone of an authentication credit card number providing center are all connected to a network, wherein the shop terminal device comprises a credit card settlement terminal connected with a two-dimension code scanner and a password input terminal, a shop assistant number inputting means for a shop assistant to input a shop assistant number and an operating table provided with the organism authentication terminal; the server sends a credit card number to the mobile phone according to an authentication result of the organism authentication terminal; the authentication credit card number providing center is further provided with a switch, the switch is in communication with the server, an organism authentication terminal phone number is set through the switch and is displayed on the organism authentication terminal. The authentication credit card number providing center sends organism feature information of a mobile phone owner to the organism authentication terminal to perform organism authentication.
Description
Technical field
The present invention relates to the credit card settlement system adopting organism authentication terminal, user be not with credit card to be the while of also can using credit card payment, salesman can relieved method of carrying out commodity selling, particularly relates to a kind of credit card payment method adopting organism authentication terminal.
Background technology
When buying commodity in shop, replace cash, use the situation of credit card, debit card, advanced charge card clearing to get more and more.
Generally, credit card settlement system in the past adopts credit card to carry out certification, and system is connected with the calculating punch be arranged in shop and credit card company server by professional circuit.Hold the user of credit card when using credit card at shop purchase commodity, salesman takes over credit card, after the input amount of money, utilize calculating punch to read credit number etc.
Generally, this credit card number information sends to the server of credit card company to carry out certification by calculating punch.Subsequently, calculating punch accepts this authentication result, when authentication result display can authenticate, provides receipt.Therefore, once credit card falls into the 3rd staff, just can settle accounts easily.
In addition also have following clearing form, input the amount of money in special-purpose terminal while, also need input password and credit number to carry out certification.But all fall into the 3rd staff once credit card and password, just can settle accounts easily.
On the other hand, when holder forgets band credit card, just commodity can not be bought in shop.
Credit card settlement system in the past, the third party beyond me also can use this credit card.Under normal circumstances, when the third party employs this credit card, the real owner of credit card can circulate a notice of credit card company afterwards, and oneself did not use credit card in which shop, credit card company can require that the amount of money is returned in Na Jia shop, or obtains insurance compensation.
That is, credit card settlement system in the past, when the third party is illegal utilize credit card time, shop, credit card company, insurance company will undertake the responsibility.On the other hand, credit card settlement system in the past, once user forgets band credit card, so just cannot do shopping in shop.In addition, when credit card itself breaks down, salesman manually can input credit card number, and the possibility of input error occurs again.
In sum, prior art needs further improvement and develops.
Summary of the invention
In view of above-mentioned the deficiencies in the prior art, the object of the present invention is to provide a kind of credit card payment method adopting organism authentication terminal.
For solving the problems of the technologies described above, the present invention program comprises:
Adopt a credit card payment method for organism authentication terminal, it comprises: shop terminal, certification credit number provide server, the mobile phone at center, and shop terminal, server and mobile phone are all connected to network; Shop terminal includes the credit card payment terminal be connected with Quick Response Code code reader and Password Input terminal, and shop salesman inputs salesman's numbering input medium of salesman's numbering, and the operator's console of organism authentication terminal is housed; Described server, according to the authentication result of organism authentication terminal, sends credit card number to described mobile phone;
Described certification credit number provides center to be also provided with switch, and switch is connected with described server communication, switch setting organism authentication terminal telephone number, and organism authentication terminal telephone number is presented in described organism authentication terminal;
Described certification credit number provides the server at center to possess following storage means:
The first stores means: record the organism characteristic information of every member's privileged site and the phone number of described member as center registration artifact body characteristics information, is connected the mobile E-mail address of this information and described member and stores as member's Biont information;
The second stores means: store and comprise described phone number, credit number, remaining sum, can utilize the credit card member information of time limit, password.
Described credit card payment method, wherein, above-mentioned credit card payment method comprises:
Step one: contain described phone number in the information that described switch accepts, from the first storage means described, retrieval comprises described member's Biont information of described phone number, by with the described center that this member's Biont information is associated register artifact bulk properties information together described in receive information together with send to described organism authentication terminal;
Step 2: the certification determination information receiving the user's privileged site Biont information sent from described organism authentication terminal;
Step 3: contain described phone number in described certification determination information, from described the second storage means, retrieval comprises the described credit card member information of described phone number;
Step 4: convert the credit number in the credit card information be retrieved to Quick Response Code;
Step 5:. described in contain described addresses of items of mail in the member biosome information that retrieves, send described Quick Response Code to described mobile phone by this address;
Step 6: accept the credit card payment solicited message that described credit card payment terminal sends, judge that whether the password comprised in this credit card solicited message is consistent with the password comprised in described credit card member information;
Step 7: when judged result is consistent, judgement can utilize, and sends the information allowing described salesman input salesman's coding to described shop terminal;
Step 8: after sending described information, accepts the salesman's confirmation comprising described salesman coding having described shop terminal to send;
Step 9: while accepting described salesman's confirmation, search for the described credit card member information be stored in the second storage means, credit number wherein, the amount of money can be utilized, the time limit can be utilized and be included in credit number in described credit card payment solicited message, amount, use date, carrying out this certification by comparing, authentication result being sent to described credit card payment terminal;
Described organism authentication terminal has been installed before the operator's console with organism authentication terminal of described shop terminal, after salesman's display part has been installed;
Step one all can be presented on described display part to the content of step 9, is included in from the authentication result in the certification determination information of described organism authentication terminal, and from the described information of described server, the salesman from described salesman's coding input means encodes;
On described salesman's coding, additional described certification determination information and date, send to described server in this, as described salesman's confirmation.
Described credit card payment method, wherein, described organism authentication terminal is equipped with the third storage means;
Described organism authentication terminal accepts the described center registration organism characteristic information sent from described server, and is stored in the third storage means;
Read in the organism characteristic information of described user's privileged site by optics, compare this organism characteristic information and register organism characteristic information with the described center be stored in the third storage means described, carry out certification with this;
This authentication result is sent to described server together with the described telephone number be included in this center registration organism characteristic information, the organism authentication terminal telephone number set in advance.
Described credit card payment method, wherein, described server possesses the 4th kind of storage means storing credit card payment information;
Described server receives the credit card payment information sent by described signal card settlement terminal, is stored in described 4th kind of storage means;
Described Quick Response Code code reader is read in the Quick Response Code on described mobile phone picture by optics and is understood, and is exported separating the described credit number read by described credit card payment terminal;
Described credit card payment terminal sends described credit card payment application information to described server, and this information comprises the amount and use date that are inputted on operation keyboard by the described credit card number of described Quick Response Code code reader solution reading, the password inputted in described Password Input terminal by described user, described salesman;
When described server display credit card can utilize, described credit card payment terminal sends containing described amount, the detail list using date, shop name.
Described credit card payment method, wherein, described shop terminal has described salesman's coding input means, and described salesman's coding input means refer to the unitary code reader of the unitary bar code on salesman's card of reading and being imprinted on entrained by salesman.
Described credit card payment method, wherein, described server sends the order cancelling this two-dimensional code data after a period of time sending described two-dimensional code data information.
Described credit card payment method, wherein, is equipped with the face photography video camera can taking described user's face in described organism authentication terminal front side; While reading in the raw body characteristics information of described user's privileged site, with described face camera shooting user face; The face-image of described shooting is attached on described certification determination information, described organism authentication object information is sent to described server;
Described server is equipped with face representation and logs in and use storage means, whenever receiving described organism authentication result information from described organism authentication terminal, the phone number be included in organism authentication object information described in this, organism authentication terminal telephone number and face representation being stored in described face representation and logging in in storage means.
Described credit card payment method, wherein, the center registration Biont information be stored in the first storage means of described server is made up of intraveneous form characteristic and finger edge reference information; Middle finger inserts in the diaxon of stable handle by described member, shooting the back of the hand image, and find out and take the vein crossings point in the back of the hand image in advance and connect, obtain benchmark polygon, this benchmark polygon is the one of intraveneous form characteristic; Finger edge reference information contains two reference edge lines, and in the back of the hand image, middle finger is Article 1 reference edge line with nameless sweep, and middle finger and the sweep referred to are Article 2 reference edge line;
Described organism authentication terminal is the palm authentication terminal obtaining finger digitized video and palm digitized video; Inserted by middle finger in the middle of described diaxon, join domain and the turn of bilge region of shooting middle finger, forefinger, the third finger and the back of the hand can obtain finger digitized video, take described the back of the hand and obtain the back of the hand digitized video;
Described server further provided with temporary storage, photographic image storage unit, ROI Extraction of Image portion, position finishing portion, intraveneous form comparing part; Described finger image data and described the back of the hand image data are stored in described temporary storage by photographic image storage unit; ROI Extraction of Image portion in described the back of the hand image data by intraveneous form extracting section necessary for certification out, form ROI image, extract and the thick intraveneous form synthesized in ROI image and thin vein form, generate and this vein synthesized form carried out binary conversion treatment and removes the intraveneous form after impurity treatment;
Described position correction unit has following means:
Finger edge Extraction of Image means: in the digitized video of described finger, using the first bending area and the second bending area as finger edge Extraction of Image out;
Edge line obtains means: to the first bending area implementation framework process described in described finger edge image, obtains marginal portion and the Article 2 edge line of middle finger and nameless marginal portion and Article 1 edge line and middle finger and forefinger;
First angle correction tries to achieve means: connect the intersection point be included in described Article 1 edge line and obtain Article 1 straight line with the intersection point be included in Article 2 edge line, connect the intersection point be included in described Article 1 reference edge line and obtain Article 2 straight line with the intersection point be included in Article 2 reference edge line, calculate relative angle i.e. first relative angle of two straight lines, and in this, as first angle correction;
Second angle correction tries to achieve means: compare the aperture of the described Article 1 edge line be included in described finger edge image and be included in the reference opening amount of the described Article 1 reference edge line in described finger edge reference information, calculate relative angle, and in this, as second relative angle; Relatively be included in the aperture of the described Article 2 edge line in described finger edge image and be included in the reference opening amount of the described Article 2 reference edge line in described finger edge reference information, calculating relative angle, and in this, as the 3rd relative angle.Calculate second relative angle and the 3rd relatively mean value as second angle correction;
Intraveneous form correction video generation means: utilize intraveneous form described in described first angle correction and the correction of the second angle correction successively, generate intraveneous form correction image.
Described intraveneous form comparing part has means:
Consistency checking means: find out each point of crossing in described intraveneous form correction image, connect these point of crossing and form polygon, compare this polygon whether consistent with the benchmark polygon in described intraveneous form characteristic;
Result of determination display means: result of determination is presented on the display of described the back of the hand certification terminal.
Described credit card payment method, wherein, described certification card number provides the server of center by authentication service center and credit card company server to form; Authentication service central server is connected with described Bio Metrics terminal and with the operator's console of described certification terminal by the Internet, is also connected with cellular network and credit card Special back road network simultaneously; Credit card company server is connected with credit card Special back road network;
Described server has described the first storage means, the means of described step one, the means of described step 2, the means of described step 4, the means of described step 5, the means of described step 7, the means of described step 8;
Described credit card company equipment has the second and stores means, the means of described step 3, the means of described step 6, the means of described step 9;
The means of described server comprise:
The means of described step one: described center registration living body feature information is sent to described organism authentication terminal by described the Internet;
The means of described step 2: accept the described certification determination information from described shop terminal by described the Internet, when the display of this certification determination information is holder himself, issue self acknowledging notice by described credit card Special back road network;
The means of described step 5: described Quick Response Code is sent to described mobile phone by described cellular network;
The means of described step 7: accept described consistent result of determination by described credit card conversion loop net, described information is sent to described shop terminal by described the Internet;
The means of described step 8: accept the described salesman's confirmation from described shop terminal by described the Internet, send to described credit card company server the notice that display accepts this information by described credit card Special back road network;
The means of described credit card company equipment comprise:
The means of described step 6: accept the described credit card payment solicited message from described credit card payment terminal by described credit card Special back road network, described consistent judged result is sent to the server at described authentication service center by described credit card dedicated circuit;
The means of described step 9: accept the notice that described salesman is subject to confirmation by described credit card Special back road network, connect described Card Verification and send to described credit card payment terminal by described credit card Special back road network.
Described credit card payment method, wherein, the equipment of described credit card company is positioned in each credit card company;
Described server sends the information requiring input credit card company name Cni to telephone number by described telephone network, during described telephone number is included in and receives information described in the reception of described switch.
A kind of credit card payment method adopting organism authentication terminal provided by the invention, the Bio Metrics terminal telephone number in the Bio Metrics terminal of shop is arranged on mobile phone dialing, the living body feature information that certification credit number provides center can send this mobile phone owner, to organism authentication terminal, carries out organism authentication.
When the authentication result display from organism authentication terminal is for I, certification credit number provides center to require, and credit card company provides the credit number of mobile phone owner, be converted into Quick Response Code and be sent to mobile phone, accept from credit card payment terminal comprise amount, the credit card payment of password requires information.
When the password in credit card payment requirement information is consistent with the password in the credit card member information stored in advance, sends utilizable information to shop terminal, and require salesman's input coding.While salesman's input coding, carry out this certification, result is sent to credit card payment terminal.
Need to carry out two aspect confirmations, 1 is the self acknowledging that shop organism authentication terminal is carried out, and 2 is confirmations of the cipher authentication result that center is carried out, and when being therefore confirmed to be user in shop, salesman can relieved input salesman to encode rki.
When authentication result is for me, because after salesman's input coding, credit card number just can be sent to mobile phone, so can know that who salesman permits employing credit card.
Therefore, in the future, if because of something need the salesman knowing permission to use credit card time, can directly at authentication service center finding.Such as, when to user's request error, salesman can be determined very soon.
Use this service personal selling volume management data can be supplied to shop.Because salesman's name can be known when utilizing this service.Utilize this service, if in the future because something needs to confirm user, can directly look for salesman to confirm.Because user's face-image and salesman's name have been registered in authentication service center.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of credit card payment method in the present invention.
Embodiment
The invention provides a kind of credit card payment method adopting organism authentication terminal, for making object of the present invention, technical scheme and effect clearly, clearly, the present invention is described in more detail below.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
The invention provides a kind of credit card payment method adopting organism authentication terminal, as shown in Figure 1, it comprises: shop terminal, certification credit number provide server, the mobile phone at center, and shop terminal, server and mobile phone are all connected to network; Shop terminal includes the credit card payment terminal be connected with Quick Response Code code reader and Password Input terminal, and shop salesman inputs salesman's numbering input medium of salesman's numbering, and the operator's console of organism authentication terminal is housed; Described server, according to the authentication result of organism authentication terminal, sends credit card number to described mobile phone;
Described certification credit number provides center to be also provided with switch, and switch is connected with described server communication, switch setting organism authentication terminal telephone number, and organism authentication terminal telephone number is presented in described organism authentication terminal;
Described certification credit number provides the server at center to possess following storage means:
The first stores means: record the organism characteristic information of every member's privileged site and the phone number of described member as center registration artifact body characteristics information, is connected the mobile E-mail address of this information and described member and stores as member's Biont information;
The second stores means: store and comprise described phone number, credit number, remaining sum, can utilize the credit card member information of time limit, password.
And credit card payment method comprises in the present invention:
Step one: contain described phone number in the information that described switch accepts, from the first storage means described, retrieval comprises described member's Biont information of described phone number, by with the described center that this member's Biont information is associated register artifact bulk properties information together described in receive information together with send to described organism authentication terminal;
Step 2: the certification determination information receiving the user's privileged site Biont information sent from described organism authentication terminal;
Step 3: contain described phone number in described certification determination information, from described the second storage means, retrieval comprises the described credit card member information of described phone number;
Step 4: convert the credit number in the credit card information be retrieved to Quick Response Code;
Step 5:. described in contain described addresses of items of mail in the member biosome information that retrieves, send described Quick Response Code to described mobile phone by this address;
Step 6: accept the credit card payment solicited message that described credit card payment terminal sends, judge that whether the password comprised in this credit card solicited message is consistent with the password comprised in described credit card member information;
Step 7: when judged result is consistent, judgement can utilize, and sends the information allowing described salesman input salesman's coding to described shop terminal;
Step 8: after sending described information, accepts the salesman's confirmation comprising described salesman coding having described shop terminal to send;
Step 9: while accepting described salesman's confirmation, search for the described credit card member information be stored in the second storage means, credit number wherein, the amount of money can be utilized, the time limit can be utilized and be included in credit number in described credit card payment solicited message, amount, use date, carrying out this certification by comparing, authentication result being sent to described credit card payment terminal;
Described organism authentication terminal has been installed before the operator's console with organism authentication terminal of described shop terminal, after salesman's display part has been installed;
Step one all can be presented on described display part to the content of step 9, is included in from the authentication result in the certification determination information of described organism authentication terminal, and from the described information of described server, the salesman from described salesman's coding input means encodes;
On described salesman's coding, additional described certification determination information and date, send to described server in this, as described salesman's confirmation.
In order to further describe method of the present invention, the organism authentication terminal in following examples the information of certification can be fingerprint, palm vein or face and hand back vein, be described as example.
Adopt the credit card settlement system of organism authentication terminal, be arranged on shop Fi(Fi:Fa, Fb) in shop terminal and the server of authentication service center Qi be connected to the Internet.
Be connected to and (multiple mobile phone can be connected to mobile phone, be such as connected to mobile phone a, mobile phone b ...) cellular network that is connected.Credit card company Pi(Pa, Pb) be connected with credit card company dedicated line, credit card company's dedicated line is connected with the telecommunications services device of joining of mechanism of credit card company, is connected to by credit card settlement system and joins telecommunications services device.This joins telecommunications services device and is connected with the server of multiple credit card company Pi, the aftermentioned information from credit card payment terminal is sent to the server of this credit card company Pi, then the information from credit card company Pi is sent to this credit card payment terminal.
Authentication service center QI can be arranged on each area.In addition, each credit card company Pi is equipped with server.The credit card leased line network that telecommunications services device is generically and collectively referred to as this example is joined by the Pei Xin mechanism of credit card company's dedicated line and credit card company.The Internet, mobile phone, credit card company's leased line network are generically and collectively referred to as communication network.
The server of aforementioned authentication service center Qi also can be arranged on credit card company or mechanism of credit card company, also they can be combined the server providing center as certification credit number.
The shop terminal being arranged on shop Fi is formed by with lower device, and organism authentication terminal, card reader (also referred to as Card Verification terminal), portable biometric realize card terminal console, read salesman on salesman's card TGi entrained by salesman encodes tki(one-dimension code) one-dimension code demoder.Carry out with regard to utilizing diagram after being formed in of shop terminal describing.
The telephone number (Bio Metrics terminal telephone number Ai) (also can write on note and be pasted onto somewhere) distributed by authentication service center Qi at organism authentication terminal demonstration.
On the other hand, the server of authentication service center Qi has and is formed with lower part, member authentication portion, membership information database, organism authentication information sending part, record information form, Biont information registration database, organism authentication result acceptance division, fee deduction treatment portion, connection switching part, credit number requirement portion, credit number transfering department, mail server, salesman's coding input promotion division.
By such formation, applying biological realizes the credit card settlement system of card terminal, makes mobile phone credit card payment pattern and mobile phone credit service authentication information registration mode become possibility.
Mobile phone is utilized to carry out the method for credit settlement, obtain number verification by mobile phone model to notify, make a phone call with biosome terminal telephone number A1, the member verification portion of the server of service for checking credentials center Qi will when logging in the telephone number of mobile phone model (being hereafter called cell-phone telephone number Bi) certification membership information.
Then, when being member if certified, organism authentication information sending part is on the IP address sending to organism authentication terminal in store in the database of organism authentication end message, logged in by the database institute center-side described later that Biont information logs in the characteristic information RHji(that center-side that associated information RMji that Ji the back of the hand obtains contains logs in the certification of Ji the back of the hand and comprise Ai, Bi) to organism authentication terminal transmission information.
On the one hand, in organism authentication terminal side, the associated information that the terminal side the back of the hand having obtained finger nail actually obtains the back of the hand authentication feature information TSji of obtaining by TEji of the terminal side that contains and center-side log in the characteristic information RHji of Ji the back of the hand certification carry out relatively down my certification, this result realizes at portable biometric that to make it to show and allow businessman know in the inner side liquid-crystal apparatus of card terminal processes platform be he or she.
Next, organism authentication terminal reads center-side and logs in the phone number Bi that contain in the characteristic information RHji of Ji the back of the hand certification, organism authentication terminal telephone number Ai and authentication result Mi, authentication result Mi and the combined organism authentication object information Nji drawn of mug shot Gai send information to the server of authentication service center Qi.
The organism authentication result receiving part of the server of authentication service center Qi receives organism authentication object information Nji (Ai, Bi, STi, Gai) from organism authentication terminal, store-memory in the complete list that record information is used.
So, mug shot Gai mug shot described later memory storage in be stored memory.
Next, the authentication result Mi display that card number requirement portion contains in organism authentication object information Nji allows to use, at phone number Bi designated company name Cni, transmission information is made it.
Next, read this credit agency title Cni, distribution accepts number UBi, the credit card number information Cji(corresponding with the phone number Bi of the server of this credit agency is made to comprise card number Cki, phone number Bi, accept number UBi) send information, and cut off the telecommunication connection between cell phone network.
Further, card number transfering department by this credit card number information Cji(Cki, Bi, UBi) card number Cki convert Quadratic Finite Element bar code data to, according to this mailing server send information to mobile phone model.
Next, within certain period, (such as 20 days), with reference to the information of each aftermentioned card number requirement, the credit agency Pi of member to the mobile phone model employing authentication service asks for cost of use to collection cost handling part.
On the other hand, in the end device side of shop side, in Quadratic Finite Element bar code input unit, make it to read in by the Quadratic Finite Element bar code (credit card number) shown in mobile phone model, and export in card input device.
Next, the keyboard of salesman's operation sheet input unit in shop, makes it to input amount, pays number of times etc. (total overview gets up also to be called use information).
Next, when being transfused to password figure according to password figure input method (showing without figure), not diagram, send the words that button is pressed, before described card number Cki and the information of the use card combined with password figure are settled accounts and are required information CKji, from digital input unit to the server of company Pi transmission message.
On the other hand, the password figure of the card membership information KKji that the password figure of card settlement request information CKji with the previous store-memory of phone number Bi that contain in this card settlement request information CKji by the server of credit agency Pi is compared, thus judges that whether it is consistent.
If consistent when, to authentication service center Qi server send message, wait pending this clearing until salesman's password tki is transfused to.
Whether salesman's Password Input promotion division of the server of authentication service center Qi judges that whether consistent with each other whether permission of password figure uses, also allow to use (being alternatively that password figure is consistent) to shop side's end device notice.Whether the portable biometric of shop side's end device realizes card terminal processes platform makes to allow the information used to show on the liquid-crystal apparatus of inside.
And, in the end device of shop side, credit agency Pi from the Qi of authentication service center notified whether allow to be used on inner liquid-crystal apparatus show with the form of information.
Then, the salesman of one dimension bar code device entrained salesman's card tki(of salesman's card TGi be also called salesman's name) words that are transfused to, this salesman's password tki accepts number UBi, organism authentication terminal telephone number Ai, the salesman confirmation TSCji(tki that phone number Bi etc. is additional, Ai, Bi, UBi etc.) send message to credit agency Pi and authentication service center Qi server.
Next, card-type device, in the card authentication result drawn from credit agency Pi, if display is card when using possible, just makes it distribution and is printed on amount, service time and the detail specifications of firm name be set in advance.
Generally speaking, even without credit card, the organism authentication terminal used in order to mobile phone model knows it is he or she to shop square tube, even like this credit agency also can know that whether password figure is consistent.Therefore, the input that salesman also can feel at ease represents the salesman's password tki being confirmed to be my information.And, because have input salesman's password tki, be that the problem of whose process also becomes can confirm from now on.
What the card settlement system of this series of example was carried out is credit services authentication information login method.Credit services authentication information login method is exactly to use credit services with mobile phone, and central party described later logs in the method for the associated information RMji login authentication service centre that Ji the back of the hand obtains.
The explanation of various information
The nail coupling part boundary line information ANi that said central party is described after logging in the characteristic information RHji of Ji the back of the hand certification and contain above, high-precision intraveneous form data VPBCi.
And, in organism authentication terminal, the finger the back of the hand partial image Hdi obtained from the nail of the hand of reality acquisition and each image of nail coupling part Li described below, ROI image Hri, intraveneous form VPi, nail coupling part below image LHi(carries out the back of the hand associated image TBGi that general overview is called acquisition) in the nail coupling part boundary line information ANi that calculates and intraveneous form performance data VPBCi be all called the back of the hand authentication feature information TSji that terminal side obtains.
And then the group of the back of the hand associated image TBGi of the back of the hand authentication feature information TSji that this terminal side obtains and acquisition is called the associated information TEji of terminal side the back of the hand acquisition.
In a word, Hand Vein Image Hdi, ROI image Hri, intraveneous form VPi, nail coupling part image LHr and nail coupling part boundary line information ANi, and total the summing up of intraveneous form performance data VPBCi is called the associated information TEji of terminal side the back of the hand acquisition.
The structure of store sales side's end device
That portable biometric realizes card terminal processes platform, organism authentication terminal and card-type device and a dimension bar code device, total summary saying of Quadratic Finite Element bar code device and not shown password figure input method etc.Portable biometric realizes card terminal processes platform, the T-shaped structure of fixing perpendicular version on base plate, and, below perpendicular version, form peristome.Foregoing base plate, giving an example is exactly the square centimetre to take advantage of centimetre, and the height of perpendicular version is above base plate, calculate about 50 centimetres, and width is centimetre.
Then, at perpendicular version lower part, the central shaft in perpendicular version starts the peristome formation that left and right 10 centimeters height are 18 centimetres.And, in order to carry to move on perpendicular version, handle is easily set.
And perpendicular version position of about 10 centimetres from base plate is vertically arranged, and its rear space is broad.Be like this in order at it while make the nail of hand be able to certification according to organism authentication terminal, can input in the keypad portion that treatment bench is used inner salesman or salesman's password tki etc.And then, realize card terminal processes platform inside at portable biometric and treatment bench liquid-crystal apparatus used and treatment bench keypad portion used etc. are set.
Realize card terminal processes platform inside at portable biometric and salesman's coding input device reading part and salesman's confirmation notification unit and my notification unit etc. are set.These are CPU, the program that device etc. purpose processor is implemented.Salesman encodes reading part, and the salesman obtaining salesman's card TGi that a dimension bar code device reads in inside encodes tki, and exports to my notification unit.
My notification unit obtains the certification determination information NHji(Bi in organism authentication terminal, Ai, Mi etc.) the authentication result Mi that contains, if that represent is authentication result Mi when allowing to use, such as shows " be me " such information on the liquid-crystal apparatus that treatment bench is used.
Next, received the interim interim card of judgement information KEji(used that allows obtained certification, Bi, UBi if salesman's confirmation notification unit be notified) words (mark, signal), the liquid-crystal apparatus that treatment bench is used shows the information that interim card certification is passed through.
Next, to encode tki if input salesman from salesman encodes reading part, this can show in the liquid-crystal apparatus that treatment bench is used.And then my notification unit to be realized in card terminal processes platform can store-memory salesman to encode tki and certification determination information NHji(Ai at portable biometric, Bi, Mi) and the signal that passes through of interim card certification.In this time, while expression not shown calendar date and time (being hereafter called service Sti service time), this can realize store-memory in card terminal processes platform at portable biometric.
Salesman's confirmation notification unit, when my notification unit have received the information of certification determination information NHji, can make card-type device and Quadratic Finite Element bar code device start to start.
Next, use the interim card certification license of judgement information KEji(, Bi, UBi according to receiving interim permission from the internet network of authentication service center Qi) information, and to my notification unit notice, accreditation is received to it.
Next, the words of the key (such as F1) that representative " is confirmed to be me " are pressed at the keypad portion g that treatment bench is used, the salesman that portable biometric realizes card terminal processes platform encodes tki and service Sti and certification determination information NHji(Ai service time, Bi, Mi) and the signal combination salesman confirmation TSCji(tki together that passes through of temporary authentication, Sti, Ai, Bi, Mi, the signal that interim card certification is passed through, UBi) via the server transmission message of the Internet to authentication service center Qi.
So, confirm that my key is not must be obligato, be only one dimension bar code device read salesman encode tki time, do not judge whether it is that also it doesn't matter for salesman.
The front of organism authentication terminal is tilted and is formed, and inner inclination is set as cavity and forms boxed-section shape.Operating portion has been set up in front.This operating portion is connected to by liquid-crystal apparatus and keypad portion and infrared ray sensor etc. in box.
And OBL hollow sectors tilts and is formed in the inside of case.The lower part sealing of this hollow sectors is opened.And the inner layer surface of hollow sectors is absorbed ultrared material brushing and.
Then, blank part above intercept by infrared filter.In the upside of this infrared filter, the nail reacting the CCD internal organ of finger nail till being set up infrared illuminators and luminous ray and shooting infrared spectral range CCD internal organ of the nail coupling part of coupling part between reaction finger with finger nail of photographing till digital camera used and luminous ray and shooting infrared spectral range refer to that the back of the hand divides digital camera used of photographing.
Nail coupling part Li mentioned above is referred to as MP joint portion (Metacacarp Phalangeal Joinnt) and is also referred to as joint portion between middle finger segments, is the MP joint portion in the 2 to the 4 in the example of this series between bone hand and the 2 to the 4 base pitch bone.
It is the 1st sweep Laai connected between middle finger and the third finger and the 2nd sweep Lbbi connected between middle finger and forefinger that before described nail coupling part Li comprises field.
And, in the bottom of blank part sidewall side, stable handle is set.Two basic bar constructions set by stable handle is on horizon bar by the amplitude can inserted at horizon bar middle finger.These two wooden sticks are bent in the chest tilting to be installed in below blank part.And then, to be set up in the bottom of blank part and to use the nail of hand photographed microswitch used by be allowed the nail of switch.And, stablize handle and made by the action that two wooden sticks are depressed, this action nail is photographed state that microswitch used becomes out.Insert port is called between two wooden sticks.The opening part of the bottom of blank part is set up covering member material, thus arranges the sensor checking human body.Further, the face that the top of operating portion is set up CCD internal organ is photographed digital camera used.
Foregoing infrared ray sensor portion makes it to take the eyebrow comprising people, nose usually, the region (judging field Agi used hereinafter referred to as face) of lip.The concrete mode of certain organism authentication also can adopt other modes, such as the technological means such as fingerprint, sound.
Next the formation of the server of organism authentication terminal and authentication service center Qi is described.
The detailed formation of organism authentication terminal
Organism authentication terminal arranges processor.Processor becomes starting state when identifier's body sensor perceives human body, and carries out operating state at liquid-crystal apparatus.Processor arranges method detection unit, member's telephone service consultative department, mug shot acquisition unit, nail coupling part photo acquisition unit, drive instruction unit, refer to that the back of the hand divides ROI image acquiring unit, the device that short-term memory is used, intraveneous form performance data generating unit and treatment bench finger the back of the hand authentication information used send portion, and position correction value calculating part and intraveneous form coordination portion also have authentication result to send portion.
Intraveneous form performance data generating unit and position correction value calculating part and total the summing up of intraveneous form coordination portion are called the back of the hand authentication department.
And processor is that the device and log-on message acceptance division etc. logging in Ji organism characteristic information used by temporary storage and phone authentication log-on message sending part used and center-side is connected to.
In the device that of short duration store-memory is used, refer to that the back of the hand point associated images TBGi(refers to the back of the hand partial image Hdi by acquisition, ROI image Hri, intraveneous form PVi, nail coupling part image LHi) and terminal side obtain refer to the back of the hand authentication feature information TSji(nail coupling part boundary line information ANi, intraveneous form performance data VPBCi) terminal side that forms refers to that the back of the hand divides and obtains related information TEji etc. institute's store-memory.
Log in center-side side in Ji organism characteristic information device used, the characteristic information RHji that central party logs in the certification of Ji the back of the hand used is stored memory.
Detection unit makes each several part be in starting state after the state that identifier's body sensor becomes out, and while being stored the organism authentication terminal telephone number Ai remembered in advance, also represents the credit settlement method of mobile phone in expression liquid-crystal apparatus.And represent " F1 is the method for carrying out the login of credit services authentication information with mobile phone ".At that rate, identifier's body sensor is not necessary, and other function key (such as F4) is also fine as the key of priming.
Use the credit services authentication information login method of mobile phone, by the keypad operation of organism authentication terminal, make it input handset telephone number Bi, the certification that whether can log in when accepting phone authentication from member's telephone counseling portion.
Next, for the login accepting to use the credit settlement mode of mobile phone to serve become possible when, finger is inserted at stable handle place, the terminal side the back of the hand being stored memory in temporary storage obtains additional cell-phone telephone number Bi on related information TSji, and the database logged at the Biont information of authentication service center Qi makes to log in as central party login Ji the back of the hand acquisition related information RMji.
Also have, use the credit settlement mode of mobile phone, allow mobile phone organism authentication terminal telephone number Ai make a phone call, end side the back of the hand when inserting hand from stable handle obtains terminal side that related information TEji tries to achieve and obtains the characteristic information RHji that the back of the hand authentication feature information TSji logs in the certification of Ji the back of the hand with the revenue centre side of authentication service center Qi and mutually relatively carry out certification.Then, this organism authentication end message Nji(Ai is sent in the server the Internet of authentication service center Qi, Bi, Mi, Gai) while, realizing card terminal processes platform authentication output at portable biometric and judge information NHji, is this message of he or she to salesman's notice.
Member's telephone counseling portion, operates with credit services authentication information login mode.
Member's telephone counseling portion, the use occasion of credit services authentication information login method, the cell-phone telephone number Bi be transfused to the keypad in keypad portion store-memory in not shown device.
Next, while the organism authentication terminal telephone number Ai logged in advance, send to comprise to authentication service center Qi and represent that the phone credits service authentication of login mode variable logs in consultation information Kri(Ai, Bi, login mode variable), the certification whether nail accepting hand during phone credits service authentication can log in.
Face image acquisition unit operates in credit settlement mode according to credit services authentication information login mode or mobile phone.
Face image acquisition unit, while driving infrared ray sensor portion, under the digital camera of introduction face photography is placed in photography state in not shown device, is taken from the face-image Gai of the digital camera of face photography.Then, the device that in infrared ray sensor, the shade light of each infrared ray sensor etc. defines at not shown shade light defines, and generates shade light image, this shade light image is overlapping with face-image Gai.
And shade light image is at eyebrow, and eyes, nose, the face of mouth judges the occasion of field Agi, exports, and make it shooting as the shutter signal capturing face in face photographs digital camera used.This face-image Gai store-memory in the device of short-term memory.Nail coupling part image acquiring unit, operates in credit settlement mode according to credit services authentication information login method or mobile phone.
Nail coupling part image acquiring unit, along with the state that the special microswitch of finger photography is opened, shutter signal is sent to finger part special digital camera of photographing, obtain the image (being hereafter called nail coupling part image LHi) of nail coupling part Li, this is store-memory in the device of short-term memory.
Also have, nail coupling part image acquiring unit, extract the 1st sweep image LGa and the 2nd sweep image LGb of coupling part between middle finger and forefinger of coupling part between middle finger in the image LHi of nail coupling part and the third finger, so just draw with the 1st sweep Laai (Laa1 of line segment definition, Laa2) the and 2nd sweep Lbbi(Lbb1, Lbb2).
Then, 1st sweep Laai (Laa1, Laa2) two ends pixel coordinate A, each pixel coordinate of B and intersection point C is with the 1st sweep Laa1, and between Laa2, formed opening degree φ 1 is as the 1st sweep parameter store-memory in the arranging of short-term memory.
Next, the 2nd sweep Lbbi(Lbb1, Lbb2) two ends pixel coordinate A ', each pixel coordinate of B ' and intersection point C ' is with the 2nd sweep Lbb1, and between Lbb2, formed opening degree φ 2 is as parameter store-memory in temporary storage of the 2nd sweep.These total summing up of sweep parameter of the 1st and the 2nd are called foregoing nail coupling part boundary line information ANi.
In other words, in stable handle area, define the opening degree φ 1 of sweep between middle finger when inserting the insert port between two wooden sticks and the third finger, sweep intersection point C between contact middle finger and the third finger, the opening degree φ 2 of sweep and the intersection point C of sweep between contact middle finger and forefinger between middle finger and forefinger.
Drive instruction unit monitor nail photograph special microswitch or finger photography special microswitch whether be in the state opened, middle finger is inserted in the insert port of stable handle, when take the special microswitch of finger be in open, allow nail coupling part image acquiring unit and face image acquisition unit start.
The back of the hand, ROI image acquiring unit operate in credit settlement mode according to credit services authentication information login mode or mobile phone.
The back of the hand, ROI image acquiring unit refer to the back of the hand partial image Hdi from taking nail digital camera used to obtain, while the device store-memory that short-term memory is used, as ROI image Hri, extract the part (comprising thin vein form) that this refers in order to the necessary intraveneous form of certification in the back of the hand partial image Hdi, and in temporary storage store-memory.
Intraveneous form performance data generating unit, according to credit services authentication information login mode or mobile phone, operates in credit settlement mode.
The thick vena cava form SPi of ROI image Hri and thin thin vein form ZPi extracts out and synthesizes by intraveneous form performance data generating unit, this vein synthesis model Gpi is carried out two values, generate the intraveneous form VPi having removed interference, store in temporary storage.And intraveneous form performance data generating unit seeks each branch point of intraveneous form VPi, these branch points linked and form polygon, this polygon is as previously described intraveneous form performance data VPBCi store-memory in temporary storage.
Previously described ROI image Hri, intraveneous form VPi, intraveneous form performance data VPBCi.
Portable biometric is realized card terminal processes platform the back of the hand authentication information used and is sent portion and operate in credit settlement mode according to mobile phone.
Next, the back of the hand authentication information that portable biometric realizes card terminal processes platform used sends portion, realize in card terminal processes platform the authentication result described in exporting hereinafter at portable biometric and transmit in portion the certification determination information NHji (Bi that contain organism authentication object information Nji, Ai, Sti, Mi).
Position correction value calculating part mobile phone operates when credit settlement mode.The terminal side that the related information TEji that position correction value calculating part reads the terminal side the back of the hand acquisition being stored memory in temporary storage contains obtains the nail coupling part boundary line information ANi of the back of the hand authentication feature information TSji.And, read central party that central party logs in Ji organism characteristic information device used and log in the ANi that Ji the back of the hand certification characteristic information RHji(central party used is logged, VPBCi), these are compared, revise the deviation inserting angle when the insert port of stable handle inserts middle finger, thus calculate modified value tmb.
Generate with the corrected intraveneous form correction image tbmVPi of this modified value tmb, and in temporary storage store-memory.In other words, try to achieve when to insert insert port between two wooden sticks at stable handle place exactly and log in the deviation between benchmark at authentication service center Qi.
Intraveneous form coordination portion operates in organism authentication terminal credit settlement mode according to mobile phone.
Try to achieve each branch point (Vpa, Vpb etc.) of intraveneous form correction image tmaVPi, generate as intraveneous form performance data VPBCi the polygon that these branch points connect to, in order to overlap similar branch point and then generate overlap coefficient BPWFi.
Next, the words that the central party being stored memory in Ji organism characteristic information device 1 used logs in the intraveneous form performance data VPBCi of Ji the back of the hand certification characteristic information RHji used are logged in reference to central party, the overlap coefficient BPWFi generated is utilized in central party, the intraveneous form performance data VPBCi of login to be changed, thus determining whether consistent, this authentication result sends at authentication result sending part.Authentication result sending part operates in credit settlement mode according to organism authentication terminal side.Authentication result sending part is realized card terminal processes platform at liquid-crystal apparatus and portable biometric and is exported the authentication result Mi obtained from intraveneous form coordination portion.
Next, for authentication service center Qi, read in temporary storage the phone number Bi being stored memory, organism authentication terminal telephone number Ai and face-image Gai, using time date of not shown calendar time as service Sti service time, the organism authentication object information Nji that addition of these sends message to authentication service center Qi.
And, authentication result sending part exports the certification determination information NHji(cell-phone telephone number Bi comprised by organism authentication object information Nji in the back of the hand authentication information sending part that treatment bench is used, organism authentication terminal telephone number Ai, service Sti service time, authentication result Mi).
Then center-side login Ji the back of the hand authentication feature information RHji that center-side logs in Ji organism characteristic information equipment therefor 1 is directly deleted.Safety is guaranteed with this.Phone authentication log-on message sending part 0 used operates under the occasion of credit services authentication information login method according to mobile phone.
The log-on message sending part that phone authentication is used, obtain in related information TEji at terminal side the back of the hand of temporary storage, as the acquisition Biont information TZji that the central login of the IP address etc. of time date (hereinafter referred to as login time ITi) and organism authentication terminal telephone number Ai and cell-phone telephone number Bi and authentication service center Qi that addition of not shown calendar time is used, the Internet is relied on to send message at authentication service center Qi.
Log-on message acceptance division operates in credit settlement mode according to mobile phone.The center-side receiving authentication service center Qi logs in Ji the back of the hand certification characteristic information RHji used, this is logged in Ji organism characteristic information equipment therefor in center-side and logs in.
Authentication service center Qi arranges switch and server.Switch stores physiology certification terminal telephone number Ai(A1, A2 ...), this telephone number refers to the number being assigned to the physiology certification terminal that authentication service center Qi administers.Server sets telephone service portion, physiology authentication information acceptance division, member authentication portion, messages meant portion, connection switching part, physiology authentication information communication portion, hand back vein characteristic test section, biographic information generating unit, physiology authentication result acceptance division, payment handling part.
Furtherly, also should set up card number requirement portion, card number passs on portion, and salesman's code input promotion division, mail server, card number requires information generating unit etc.
In addition, also should set up member information database, face image internal memory, biographic information complete list, physiologic information log database, physiology certification terminal information database, payment information complete list, card number requires complete list etc.
In member information database, by phone number Bi, the login time ITi(date of vein sample characteristics data VPBCi, time), addresses of items of mail, address (country name, municipalities' name, district's name, number), account number etc.In addition, addresses of items of mail, address, account number are submitted to authentication service center preferably by document form (recording phone number Bi), are logged in by operator.
In physiology certification terminal information database, by physiology certification terminal telephone number Ai, the IP address D i of physiology certification terminal, the place (country name of physiology certification terminal, Dou Daofu county name, municipalities' name, district's name, number, building name, the number of plies, shop name), salesman's code tki in shop and the IP address (all becoming erecting bed address below) etc. of physiology certification terminal erecting bed are carried out association process and store.
In face image internal memory, by phone number Bi, Sti(date health care utilization time, time), login time ITi, the physiology certification terminal telephone number Ai of use, face image Gai during use, face image logs in number Hui etc. to carry out association process and stores.
Payment information complete list is by telephone number Bi, and health care utilization time Sti, physiology certification terminal telephone number Ai, payment day, accept number UBi, and the payment amount of money etc. carries out association process and stores.
In physiologic information log database, by telephone number Bi, the pixel coordinate of vein sample characteristics data VPBCi(take-off point, Branch Angle, take-off point number), log in the physiology certification terminal telephone number Ai of the physiology certification terminal of vein sample, nail coupling part image LHi, nail coupling part boundary line information ANi, Hand Vein Image Hdi, ROI image Hri, vein sample VPi, login time ITi(date, time) etc. carry out association process and store.These are generically and collectively referred to as central party and have logged in the back of the hand portion and obtain related information RSji.
In addition, central party has logged in the back of the hand portion and has obtained in management information RSji, vein sample characteristics data VPBCi and nail coupling part boundary line information ANi is generically and collectively referred to as central party and has logged in the back of the hand authentication feature information RHji.
In biographic information complete list, by phone number Bi hurdle, health care utilization time Sti hurdle, physiology certification terminal telephone number Ai hurdle, authentication result Mi hurdle, face image during use logs in number Hui hurdle, characteristic send to the formation such as situation REi hurdle and erecting bed address field.
Card number requires that in complete list, card number requires mark fyi hurdle, phone number Bi hurdle, specify fiduciary loan exabyte information CMji hurdle, card number has been received information and has been marked fji hurdle, have good mark and pass on mark fti hurdle, accept number UBi hurdle, health care utilization time Sti hurdle, the formations such as authentication result cfi hurdle of meeting an urgent need with card company.
The explanation in each portion
Telephone service portion, the call information Tji(physiology certification end telephone number Ai that input switch sends, phone number Bi), and export this call information Tji to member authentication portion and card number requirement portion etc.And the speech information that input information sending part sends, is conveyed to mobile phone by switch.
Furtherly, telephone service portion, fiduciary loan clearing state is being in because of mobile phone, when receiving the digital number of the appointment credit agency name Cni that mobile phone sends, this credit agency name information CMji(Ai will be exported to card number requirement portion, Bi, Cni), phone number Bi, the physiology certification terminal telephone number Ai of the Tji of designated call information and credit agency name Cni.
Physiology authentication information acceptance division, receive the phone credits service authentication that physiology certification terminal sends at every turn and log in query message Kri(Ai, Bi, logging status marks) time, can be exported this to member authentication portion, and receive judgement, evaluate the hand back vein sample carried out to enjoy phone credits service and whether can log in, and this result of determination is sent to physiology certification terminal.
In addition, physiology authentication information receiving portion, when judging that it can log in, physiologic information TZji(terminal side that central login that physiology certification terminal sends gets can be received logged in the back of the hand portion and obtain related information TMji, physiology certification terminal telephone number Ai, phone number Bi, login time ITi etc.), this is logged in the back of the hand portion as central party and has obtained association information RSji, log in physiologic information log database.
Member authentication portion, query message Kri(Ai is logged in when receiving the phone credits service authentication that physiology authentication information acceptance division sends, Bi, logging status marks) time, meeting data searching data in member information database, comprise the phone number Bi etc. that phone credits service authentication logs in query message Kri.Then, if comprise its information in this data, then certification member.And member authentication portion, whether the call information Tji that meeting monitoring telephone service department sends exports.
Then, if when call information Tji exports, be then judged to be phone credits service state, and judge whether the membership information Ki comprising the phone number of this call information Tji etc. is present in member information database, if exist, be judged to be member.
In addition, by phone credits serving grant information Uji(Ai, Bi, license) export physiology authentication information sending part to, biographic information generating unit, information sending part, connection switching part etc.
In this phone credits serving grant information in Uji, the phone number Bi comprising reception information can be exported, physiology certification terminal telephone number Ai.
Information sending part, each output phone credits serving grant information Uji(Ai, Bi, license) time, usage license information can be exported to telephone service portion.In addition, also can export under using objectionable situation and use objectionable information.
Connection switching part, can receive the phone credits serving grant information Uji that member authentication portion sends, be sent by information unloading part, and accepts the digital number representing credit agency name Cni.
And central party receives login when completing the back of the hand authentication feature information RHji, the instruction of the segment circuit of mobile phone can be exported to telephone service portion.As the phone credits serving grant information Uji(Ai receiving member authentication portion and send, Bi, license) time, physiology authentication information sending part, the central party that the back of the hand portion blood vessel characteristic search part sends can be received and logged in the back of the hand authentication feature information RHji, and this is sent to the physiology certification terminal of physiology certification terminal database IP address.
As the phone credits serving grant information Uji(Ai receiving member authentication portion and send, Bi, license) time, the back of the hand portion blood vessel characteristic search part, this phone credits serving grant information Uji(Ai will be comprised, Bi, license) phone number Bi central party logged in information that the back of the hand portion obtains related information RSji and physiology certification terminal information database and carry out contrast and sum up, then this central party has been logged in the back of the hand portion central party obtained in related information RSji and has logged in the back of the hand authentication feature information RHji and export physiology authentication information sending part to.
During each output phone credits serving grant information Uji, biographic information generating unit, by generate in biographic information complete list as shown in the figure by phone number hurdle, health care utilization time fences, physiology certification terminal telephone number hurdle, authentication result hurdle, physiology certification IP address of terminal hurdle, face image during use logs in number column, and characteristic sends situation hurdle, the data of the composition such as erecting bed address field.And the words of input information then should be kept at this hurdle.When receiving the physiology authentication result information Nji(Mi of the back of the hand portion vein sample that physiology certification terminal sends, Gai, Ai, Bi,) time, physiology authentication result acceptance division, can be stored in face image internal memory by this, wherein comprise the face image Gai of this physiology authentication result information Nji, Additional Services can utilize time Sti and telephone number Bi and physiology certification terminal telephone number Ai etc. in addition.Meanwhile, export the authentication result Mi be contained in physiology authentication result information Nji and telephone number Bi to card number and require portion.
In addition, will physiology certification terminal telephone number Ai, telephone number Bi, the authentication result Mi(OK of physiology authentication result information Nji be contained in) and health care utilization time Sti export biographic information generating unit to, be stored in biographic information complete list.
In addition, face image is logged in number Hui and export biographic information generating unit to, be stored in biographic information complete list.
Payment handling part, at regular intervals (such as 20 days), can retrieve card number requirement complete list 4, and the card number in these data has been passed on the data that marked in mark hurdle and all proceed to storage.Then, by proceed to the data of storage accept number UBi, phone number Bi, physiology certification terminal telephone number Ai, health care utilization time Sti are filled in payment information complete list.
Then, the registered permanent residence number of the phone number Bi in this data is exported by member authentication portion, and ask for the cost of use (physiology certification terminal place name and each cost of use) of this account information by dedicated line.
Card number requirement portion, the appointment credit agency name information CMji(Cni that each reception telephone service portion sends, Bi) random digit being generated by random number generator time, using this distinctive data as accepting number UBi, and searching for the data with phone number Bi in biographic information complete list.
Then, using the health care utilization time Sti of this data and accept number UBi and phone number Bi accepts information CUji(UBi as credit card, Bi, Sti) require that information generating unit exports to card number.
Then, the physiology authentication result information Nji(sent when physiology authentication result acceptance division comprises Bi, Ai, Gai), when authentication result Mi shows the usage license, by card number, the data with the phone number Bi be contained in this physiology authentication result information Nji is required with card number, information generating unit requires that complete list is contrasted.
Then, using the credit agency title Cni in this data, phone number Bi, accept number UBi, health care utilization time Sti requires information CYji as card number, delivered letters to this credit agency Pi by the delivery server 80 of mechanism of credit agency.
Card number forwarding portion, card number is required the card number in portion requires information CYji(Cni, Bi, UBi, Sti) after being sent to credit agency Pi, receive credit agency Pi the card number Cki, the phone number Bi that send and accept number UBi(be generically and collectively referred to as credit card number information Cji), and by this credit card number information Cji(Cki, Bi, UBi) card number Cki convert two-dimensional bar data to.
Then, member authentication portion can export the addresses of items of mail that phone number Bi is therewith associated, and then exports this addresses of items of mail and two-dimensional bar data to mail server.
Now, to card number, card number forwarding portion requires that information generating unit exports the card number label information Fji(that collected mail and comprises phone number Bi, accept number UBi, and card number has been collected mail mark).
Mail server, the two-dimensional bar data sent in the card number portion of forwarding export the mobile phone sending addresses of items of mail to.Then, require that information generating unit output card number has forwarded label information Ftji(and comprised Bi, UBi to card number), display forwards two-dimensional bar data (credit card number information Cji) to mobile phone.Receive the credit card that card number requirement portion sends at every turn and accept information CUji(UBi, Bi, Sti) time, card number requires information generating unit, can require to generate in complete list to mark hurdle by card number requirement, phone number hurdle at card number, specify credit agency's denominational, card number receives information and completes mark hurdle, card number has forwarded mark hurdle, accepts number column, health care utilization time fences, salesman's code hurdle, the data of the compositions such as card company temporary authentication result bar.
In addition, credit card is accepted information CUji(UBi, Bi, Sti) the number UBi that accepts be stored in and accept in hurdle, phone number Bi is stored in phone number hurdle.Then, require at card number the data retrieved in complete list with phone number Bi, be contained in the appointment credit agency name information CMji that card number requirement portion sends.Then in credit agency's denominational that this data is specified, fill in the credit agency title Cni specifying credit agency name information CMji.
In addition, when receiving card number that card number requirement portion sends and finishing receiving label information Ftji, card number requires information generating unit, finish receiving phone number Bi in label information Ftji by with being contained in this card number, accepting the data of number UBi, require that complete list is contrasted with card number, card number finish receiving mark hurdle in fill in card number finish receiving mark fji.
Furtherly, Bi is comprised when card number require information generating unit to get the mail card number that server sends has forwarded label information Ftji(, UBi) time, finish receiving phone number Bi in label information Fji by with being contained in this card number, accepting the data of number UBi, require that complete list is contrasted with card number, forwarded mark hurdle at card number and filled in card number and forwarded mark.
Salesman's code input promotion division, the card number Cki sent by credit agency Pi in card number forwarding portion is converted into after two-dimensional bar data are sent to mobile phone, judge whether whether consistent announcement information is sent out, this information is whether consistent information KNji(Bi, cki, the UBi of checking number that checking credit agency Pi sends to card number Cki, unanimously marks).
When whether consistent information KNji sends to, and containing when unanimously marking in this whether consistent information KNji, be then judged to be the temporary transient usage license.
Then, read the erecting bed address in biographic information complete list, and by internet, Interim use is permitted determination information KEji is sent to this address.Comprise whether consistent information KNji(Bi, cki, UBi, consistent in above-mentioned biographic information complete list) in accept number UBi, phone number Bi.
Furtherly, salesman's code input promotion division, mark, the UBi of salesman confirmation TSCji(tki, Sti that portable physiological certification terminal erecting bed sends, Ai, Bi, Mi, temporary card certification OK is received) by internet, while sending to credit agency Pi by credit private line network, require to fill in salesman's code in complete list at card number.
In addition, central party has logged in the back of the hand portion and has obtained related information RSji(phone number Bi, passages through which vital energy circulates sample characteristics data VPBCi, physiology certification terminal telephone number Ai, nail coupling part image LHi, nail coupling part boundary line information ANi, the back of the hand portion image Hdi, ROI image Hri, vein sample VPi ...) be considered as the server conditions of the service centre Qi of login authentication under be described.And the explanation that relevant biographic information is made can omit a part.
In shop, such as buy the member of commodity with credit card, dial physiology certification terminal telephone number Ai, this telephone number will be presented in the liquid crystal display of physiology certification terminal in the shop arranging physiology certification terminal.
The switch of call information (physiology certification terminal telephone number Ai, phone number Bi) to authentication service center Qi is sent thus by portable electric phone network.
When the physiology certification terminal telephone number Ai in exhalation information logs in, switch will directly be replied.
In addition, switch 0, using being additional to the phone number Bi of the physiology certification terminal telephone number Ai of reception as call-in message, exports telephone service portion to.
Telephone service portion, by call-in message Tji(physiology certification terminal telephone number Ai and phone number Bi) be sent to member authentication portion.
Member authentication portion, accepts call-in message Tji(Ai and Bi that telephone service portion sends), carry out member authentication by following explanation.
About the process in member authentication portion, about the process of logging status will be omitted.
Member authentication portion, judges whether telephone service portion receives call-in message Tji(Ai, Bi) (S1).
When receiving call-in message Tji, be judged to be phone credits service state, this call-in message Tji is stored in (S2) in not shown internal memory temporarily.
Then, judge whether membership information Ki signs in member information database (S3), above-mentioned membership information comprises physiology certification terminal telephone number Ai and the phone number Bi of call-in message Tji.
Next, if membership information logs in, be then judged to be member (S4).And, when judging member, export phone credits serving grant information Uji(to each portion and comprise usage license mark, Bi, Ai) (S5).
Next, when phone credits serving grant information is output, information sending part is by the selection information of credit agency, and by telephone service, portion is sent to mobile phone by switch.（S8）
Such as, send that similar " member is certification.Please in 1 ~ No. 9 selection of credit agency title Cni.No. 1 is so-and-so credit agency, and No. 2 is so-and-so credit agency ... " such information.
Next.
Receive everyone of the mobile phone of this information, the number of the credit agency name Cni of choice for use, and the authentication service center Qi this number being sent to cellular network.Telephone service portion receives this credit agency title Cni by switch, and its Business Name Cni and above-mentioned call-in message Tji is carried out association process, is stored in internal memory temporarily.Telephone service portion using the information of this internal memory as appointment credit agency name information CMji(Ai, Bi, Cni) export card number requirement portion to.
Then, judged whether, when not completing, then got back to step (S1).
In addition, in step (S3), when member authentication portion is not judged to be that member logs in, output phone authentication health care utilization is disapproved information NUji to information sending part, forward to step (S8) (S9).
On the other hand, card number require information generating unit to receive at every turn credit card that card number requirement portion sends accepts information CUji(UBi, Bi, Sti) time, will require that in card number card number complete list 4 generating above-mentioned explanation requires information.
Next, each member authentication portion exports the phone credits serving grant information Uji(Ai of member, Bi, license) time, the back of the hand portion blood vessel characteristic search part, to log in the back of the hand portion and obtain related information RSji in retrieval center side in physiologic information log database, this central party have logged in the back of the hand portion and has obtained related information RSji with the phone number Bi in phone credits serving grant information Uji.
In addition, extract and be contained in this central party and logged in the back of the hand portion and obtain vein sample characteristics data VPBCi in related information RSji, and nail coupling part boundary line information ANi, this is logged in the back of the hand authentication feature information RHji as central party, exports physiology authentication information sending part to.
Next, physiology authentication information sending part, has logged in the back of the hand authentication feature information RHji(nail coupling part image LHi and nail coupling part boundary line information ANi by central party) the IP address D i of physiology certification terminal is sent to via internet.
At this moment, biographic information is generated.That is, biographic information generating unit is according to data, and this data contains the phone number Bi that central party that physiology authentication information sending part sends has logged in the back of the hand authentication feature information RHji, as shown in the figure, store physiology certification terminal telephone number at this hurdle place of this data, and store transmission state.
In addition, connection switching part cuts off the connection with mobile phone.
In addition, as phone credits serving grant information Uji(Bi, UBi, license) when being output, biographic information generating unit then generates biographic information.
That is, when each phone credits serving grant information Uji is output, biographic information generating unit then generates phone number hurdle as shown in the figure in biographic information complete list, use handling time hurdle, physiology certification terminal telephone number hurdle, authentication result hurdle, physiology certification IP address of terminal hurdle, face image during use logs in number column, and characteristic sends status bar, the data of the composition such as erecting bed address field.
Then, phone credits serving grant information Uji(Bi will be contained in, UBi, license) in phone number Bi be stored in phone number hurdle, and physiology certification terminal telephone number Ai is stored in physiology certification terminal telephone number hurdle.
On the other hand, the log-on message acceptance division of physiology certification terminal, the central party that reception authentication service center Qi sends has logged in the back of the hand authentication feature information RHji(ANi, VPBCi ...).Then, this is signed in central party and logged in physiological characteristic information internal memory, physiology certification terminal according to following explanation, will carry out the back of the hand portion authentication processing.Then, physiology certification terminal, by this physiology authentication result information Nji, is sent to authentication service center Qi.
The back of the hand portion authentication processing of physiology certification terminal
Member is for carrying out the certification of the back of the hand portion, and the insert port middle finger of hand being inserted stable handle carries out certification.Finger interlude is stabilized the finger insertion part between two inductive rod of handle by member, then, inserts certification further.Stable handle will move after the meeting thus, so the microswitch of shooting finger can reach opening.
Then, middle finger can surround by ellipse, reach the state of further pressing.Then, lift the back of the hand, make the microswitch of shooting the back of the hand reach opening.Drive instruction unit, start nail coupling part image acquiring section when the microswitch taking finger reaches opening.
Along with the microswitch of shooting finger reaches opening, nail coupling part image acquiring section, the digital camera to shooting finger is sent shutter signal, carries out the calculating (S) of nail coupling part boundary line information ANi.
The calculating of nail coupling part boundary line information ANi, obtains nail coupling part image LHi, and this is stored in stored memory temporarily.In addition, nail coupling part image acquiring section, extracts first curve Laai(middle finger and the third finger from the image of nail coupling part) the Article 2 curve image LGb of Article 1 curve image LGa and second curve Lbbi image of image.Bone process is implemented to this curve image, draws the Article 1 curve Laai defined with line segment by Article 1 curve image LGa, draw the second day curve Lbbi defined with line segment by Article 2 curve image LGb simultaneously.
Then, using Article 1 curve Laai(Laa1, Laa2) pixel coordinate A, the B at two ends and each pixel coordinate of focus C and Article 1 boundary line Laa1, Laa2 angulation θ 1 as Article 1 curve field sample, be stored in interim stored memory.
In addition, by Article 2 curve Lbbi(Lbb1, pixel coordinate A, the B at two ends Lbb2) and each pixel coordinate of focus C, and Article 2 boundary line Lbb1, Lbb2 angulation θ 2 is as Article 2 curve field sample, is stored in interim stored memory.Here Article 1 and second day curve field sample are exactly nail coupling part boundary line information ANi.
Next, by the back of the hand portion image Hdi that ROI image acquiring section in the back of the hand portion obtains from the digital camera of shooting the back of the hand, being stored in interim stored memory, meanwhile, being decided to be ROI field (S201) by this back of the hand portion image Hdi to carry out the necessary vein sample portion of certification.
The regulation in this ROI field is remarked additionally.
In order to extract the ROI image Hri of vein sample integrated distribution, need to know correct ROI position.But due to the error of eyeglass and camera model installation site, how many positions of ROI understands at the image of each camera that some is different.So, automatically detect algorithm by according to following ROI, draw correct ROI position.
First, in the leaching process of ROI image Hri, draw the full picture element of its shading value the shading value of brightness degree (from 0 to 255) on the full picture element of formation the back of the hand digital original image (Hdi), transverse axis, the longitudinal axis, generate histogram.
Next, use P-carvel built, calculate the minimum value T of the shading value of ROI field and background boundary from histogram.Although position may all can deviation to some extent time photography in the ROI field of shooting vein sample at every turn, area ratio shared in the Hdi entirety of shooting is certain.
So, when understanding fully the ratio of the area shared by objects in images thing, used by histogram P-carvel built to calculate the P% point of its area ratio as minimum value T.Except P-carvel built, also can using forestland method, detect histogrammic minimum point.
Then, extract the picture element of the shading value of more than minimum value T, draw ROI field.
Next, in order to the border making this ROI field image give prominence to ROI field, carry out horizontal filtration treatment, extract ROI image Hri((S202), be stored in (S203) in interim stored memory.
In addition, ROI image Hri refers to the key areas (ROI:Region Of Interest) of Hand Vein Image medium sized vein sample integrated distribution.
Next, vein sample characteristics data generating section extracts the relatively large vena cava sample SPi of ROI image Hri and tiny thin vein sample ZPi, and synthesize, by this blood vessel synthesis sample Gpi 2 value, removing impurity, draw vein sample VPi, be stored in (S204) in interim stored memory.
Next, vein sample characteristics data generating section draws each take-off point Vi of vein sample VPi, and these take-off points are integrated generation polygon, using this polygon as vein sample characteristics data VPBCi, is stored in (S) in interim stored memory.In addition, vein sample characteristics data VPBCi comprises the pixel coordinate of Branch Angle, branch's number, take-off point.
Next, compensating value calculating section in position carries out a correction and secondary correction (S206).A correction, read continue nail that central party that central party that part boundary line information ANi and authentication service center Qi sends logged in physiological characteristic information internal memory logged in the back of the hand authentication feature information RHji of the nail be stored in interim stored memory to continue part boundary line information ANi, and integrate.
Then, by the intersection point C of the Article 1 parameter of curve (nameless and middle finger) in the boundary line information ANi of nail coupling part, combine with the intersection point C ' in the second bending field parameter (forefinger and middle finger), draw Article 1 straight line r1, meanwhile, Article 1 in the boundary line information ANi of nail coupling part has been logged in the intersection point C of parameter of curve, the intersection point C ' having logged in parameter of curve with Article 2 combines, and draws Article 2 straight line r2.
Then, obtain the relative angle of Article 2 straight line r2 and Article 1 straight line r1, and this is stored in interim stored memory as first correction angle mai.
Then, secondary correction is carried out.This secondary correction is the relative angle that requirement goes out angle θ 1 and angle θ 1 '.Angle θ 1 is the angle that terminal side the back of the hand portion terminal side obtained in related information TEji obtains in the Article 1 curve field parameter of the back of the hand portion authentication feature information TSji.Angle centered by angle θ 1 ' in square the first login complete field parameter logged in the back of the hand authentication feature information RHji.
Furtherly, by the relative angle that the angle θ 2 and second in the second bending field parameter has logged in the angle θ 2 ' in the parameter of bending field, as third phase, angle is obtained.This second relative angle and third phase are incited somebody to action differing from of angle, are stored in interim stored memory as second time correction angle θ wa.
Then, in first time correction angle mai, the vein sample characteristics data VPBCi of correction vein sample VPi, then this is carried out correction in second time correction angle, and bear vein sample correction image (mVPi) after correction, and be stored in interim stored memory.
Next, vein sample matches portion carries out matching treatment (S).
Obtain each take-off point (Vpa, Vpb of vein sample correction image (mVPi) ...), and this take-off point is combined into polygon, its polygon is generated as vein sample characteristics data VPBCi, and then similar take-off point is piled up the emphasis distribution coefficient BPWFi drawn by generation further.
Then, use emphasis distribution coefficient BPWFi, judge that this polygonal vein sample characteristics data VPBCi and central party have logged in the vein sample characteristics data VPBCi whether consistent (authentication result Mi) stored in physiological characteristic information internal memory, and using this as authentication result, export authentication result sending part (S) to.
The authentication result Mi that the vein sample matches portion received sends by authentication result sending part, exports liquid crystal display to, and portable physiological certification terminal erecting bed (S209).Next, authentication result sending part is directly deleted the central party central party logged in physiological characteristic information internal memory and has been logged in the back of the hand authentication feature information RHji(S).
Next, authentication result sending part integrates the phone number Bi, physiology certification terminal telephone number Ai and the face image Gai that are stored in interim stored memory, and the physiology authentication result information Nji of time date (health care utilization time Sti) of additional not shown calendar chronograph is sent to authentication service center Qi(S211).
Next, authentication result sending part is by certification determination information NHji(phone number Bi, the physiology certification terminal telephone number Ai in physiology authentication result information Nji, health care utilization time Sti, authentication result Mi) export portable physiological certification terminal erecting bed to.
When the authentication result Mi of the certification determination information NHji in physiology authentication result information Nji shows the usage license, the notification unit in person of portable physiological certification terminal erecting bed, will show " in person " in erecting bed liquid crystal display.
Then, salesman's confirmation notification unit starts two-dimensional bar reader and card reader.
On the other hand, when the physiology authentication result acceptance division of the server of authentication service center Qi, receive physiology authentication result information Nji(authentication result Mi, the face image Gai of the back of the hand portion vein sample that physiology certification terminal sends, physiology certification terminal telephone number Ai, phone number Bi ...) time, the face image Gai in this physiology authentication result information Nji is stored in face image internal memory.
At this moment, the health care utilization time Sti in additional physiological authentication result information Nji, physiology certification terminal telephone number Ai, phone number Bi etc. store by physiology authentication result acceptance division.
In addition, physiology certification terminal telephone number Ai, authentication result Mi(OK by physiology authentication result information Nji), health care utilization time Sti and physiology certification terminal telephone number Ai exports biographic information generating unit to, and is stored in biographic information complete list.Then, face image is logged in number Hui and export biographic information generating unit to, and be stored in biographic information complete list.
Next, when the card number of the server of authentication service center Qi requires information generation unit, receive the physiology authentication result information Nji(that physiology authentication result acceptance division sends and comprise Bi, Mi, Gai, Ai) authentication result Mi when showing the usage license, by card number, this authentication result will require that information generation unit is stored in card number requirement complete list.
Then, when the physiology authentication result information Nji(that physiology authentication result acceptance division sends comprises Bi, Ai, Gai) authentication result Mi show the usage license time, the card number requirement portion of the server of authentication service center Qi, require that its data and card number are required that complete list is contrasted by information generation unit by card number, this data is with the phone number Bi in physiology authentication result information Nji.Then, the credit agency title Cni of this data and phone number Bi and accept number UBi and health care utilization time Sti, will be required information CYji as card number, be sent to the server of this credit agency Pi by the sending server of mechanism of credit agency.This requires process also referred to as card number.
The server of credit agency Pi receives card number and requires information CYji(Cni, Bi, UBi, Sti), in internal memory (not having to illustrate), retrieval requires the card membership information KKji of the phone number in information CYji with this card number.Then, by credit leased line network, credit card number information Cji is sent to authentication service center Qi, its information, outside the credit number of card membership information KKji, also can be added the card number received and require that the phone number Bihe in information CYji accepts number UBi.
The above-mentioned card membership information KKji be stored in internal memory, was made up of phone number Bi, credit number, checking number, the operable amount of money, operable time limit etc.
The card number forwarding portion of the server of authentication service center Qi receives credit card number information Cji(card number Cki, phone number Bi, accepts number UBi), and convert the card number Cki of this credit card number information Cji to two-dimensional bar data.
Then, the addresses of items of mail that card number forwarding portion makes member authentication portion export phone number Bi to be therewith associated, and export addresses of items of mail and two-dimensional bar data to postal service device.The two-dimensional bar data that the card number portion of forwarding sends by mail server are sent to the mobile phone of addresses of items of mail.This is also referred to as card number forward process.
This card number relevant requires process, card number forward process will illustrate below.
On the one hand, two-dimensional bar shown on mobile phone picture overlays on two-dimensional bar reader by user.Two-dimensional bar reader reads two-dimensional bar, carries out understanding and exporting card reader to.The card number Cki of the deciphering result of this two-dimensional bar is stored in internal memory by card reader temporarily.
In addition, salesman operates the keyboard of card reader, input amount, payment number of times etc.These will be stored in internal memory.
Then, the input mode (keyboard terminal) of user's operator password checking number inputs password, carries out card clearing.This password exports card reader to by cipher inputting keyboard.
Next, amount, payment number of times, password, card number Cki, client code etc. are required information CKji as clearing by card reader, are sent to credit agency Pi by credit leased line network.
On the other hand, the server receiving card clearing of credit agency Pi require information CKji, retrieve the card membership information KKji requiring the card number Cki in information CKji with these card clearing, and judge with card clearing, the password in the card membership information KKji retrieved requires that whether the password in information CKji is consistent, carry out temporary card authentication processing.
Then, the server of credit agency Pi, the information KNji(whether this is consistent comprises UBi, Bi) be sent to authentication service center Qi.
Salesman's code input promotion division of authentication service center Qi, receive password authentification that credit agency Pi sends whether consistent information KNji(Bi, cki, UBi, unanimously to mark) words, judging whether to comprise consistent mark, being then judged to be that when comprising Interim use is permitted.In addition, when do not comprise unanimously mark time, be then judged to be that use disapproves.Then, using this result of determination as Interim use license determination information KEji, portable physiological certification terminal erecting bed is sent to by internet 20.
At this moment, read the erecting bed address in biographic information complete list data, and above-mentioned information is sent to this address.Above-mentioned biographic information complete list contains whether consistent information KNji(Bi, cki, UBi, use can not mark or usage license mark) accept number UBi and phone number Bi.
The notification unit in person of portable physiological certification terminal erecting bed, whether consistent information KNji(Bi, cki that reception authentication service center Qi sends, UBi, use disapprove mark or usage license mark).If comprise usage license mark, the LCDs e of erecting bed shows temporary authentication OK, disapprove if use the words disapproving mark then to show use.
On the other hand, when erecting bed liquid crystal display showing temporary authentication OK, the one-dimensional bar code (two-dimensional bar also can) that the salesman carried with is blocked salesman's code tki of TGi by salesman is read by one-dimensional bar code reader.
One-dimensional bar code reader inputs this salesman's code tki on portable physiological certification terminal erecting bed.In addition, this salesman's code is presented in the liquid crystal display of erecting bed by my notification unit.Then, salesman confirms the displaying contents in erecting bed liquid crystal display, presses the acknowledgement key on function keyboard.
Along with having confirmed, salesman's code tki and physiology certification terminal telephone number Ai and confirmation mark will be stored in internal memory.Then, salesman's confirmation notification unit will be sent to authentication service center Qi salesman's authentication information TSCji, comprise pressing the salesman's code tki, the physiology certification termination number Ai that are stored in internal memory and Sti(date health care utilization time, time, week with acknowledgement key) (d61).Salesman's code promotion division of authentication service center Qi, receive salesman confirmation TSCji(salesman code tki that portable physiological certification terminal erecting bed sends, certification determination information NHji(Bi, Ai, OK by internet), Sti), and this is sent to credit agency Pi, meanwhile, require to fill in salesman's code in complete list at card number, and this salesman confirmation TSCji is sent to credit agency Pi by credit leased line network.
The reception shop server person confirmation TSCji of credit agency Pi, carries out this certification, and result is sent to card reader.This certification judges the term of life be associated with card number, service limits volume etc. in credit settlement information KCji.
When the result display usage license of this certification that credit agency sends, card reader can issue the detailed book being printed on the contents such as amount, date, shop title, payment number of times.
Next, the payment handling part of the server of authentication service center Qi judges that card number requires that whether the prescribed timelimit in complete list is overtime.If exceed the prescribed timelimit, the data of filling in card number and forwarded mark all integrated, cost of use is sent to credit agency, request pays.
Next, credit agency can propose the request that pay in certain time limit to the account of user.
Card number requires the explanation of process, card number forward process
In the present note, set card number require in complete list table accept number UBi, card number finishes receiving mark, phone number Bi, card number require to be labeled as and fill in.And authentication result Mi is the set and display usage license also.
The card number requirement portion of the server of authentication service center Qi judges that card number requires whether to exist in complete list and is provided with the data fri(S31 that card number requires to mark fyi).
In step (S31), judge that the data fri being provided with card number requirement mark fyi is when existing, then judge whether there is authentication result Mi(S33 in this data fri).
In step (S33), when judging that authentication result Mi exists, then determine whether the display usage license (certification OK) (S).In step (S), during evaluation certification OK, the sending server 80 that card number requirement portion will require card number information CYji by mechanism of credit agency, be sent to this credit agency, comprise phone number Bi and credit agency title Cni and the health care utilization time Sti etc. (S37) of the data fri of card number requirement complete list 4.
Phone number Bi etc. in the credit number of member, password, certificate address information, account information is carried out association process by the server (not having diagram) of credit agency in advance, and stores in internal memory.Require that information CYji(comprises Bi, UBi when receiving the card number that authentication service center sends) time, credit card number information Cji is sent to authentication service center Qi, comprises the contents such as the phone number Bi that addition of card number requirement information CYji, the card number be associated with phone number accepting number UBi.
Then, card number transfering department determines whether to receive the credit card number information Cji(S39 that credit agency sends).
In step (S39), when receiving credit card number information Cji, then the card number Cki comprised in this credit card number information Cji is converted to two-dimensional bar (S41).
Then, member authentication portion exports the addresses of items of mail that phone number Bi is therewith associated, and exports this addresses of items of mail and two-dimensional bar data to mail server (S43).At this moment, card number is finished receiving label information Fji(and comprises phone number Bi, accepts number UBi by card number forwarding portion) export card number requirement information generation unit to.
Next, start mail server, the card number Cki of two-dimensional bar is forwarded to mobile phone (S).At this moment, content of delivering letters preferably include as after 2 minutes by instruction that two-dimensional bar data are deleted.
Next, by card number, mail server requires that card number has been forwarded mark and inserted in card number requirement complete list 4 (S47) by information generation unit.
In addition, in step (S39), when not receiving credit card number information Cji, start mail server, send the information that cannot receive card number Cki, end process (S49).
The process of above-mentioned portable physiological certification terminal erecting bed remarks additionally by following flow process road.
My notification unit of portable physiological certification terminal erecting bed monitors whether receive certification determination information NHji(Bi, OK) (S51).
In step (S10), judge to receive certification determination information NHji(Bi, OK) time, then judge whether the authentication result Mi in certification determination information NHji shows OK(S52).
In step (S52), as authentication result display OK, this is stored in temporarily (S53) in internal memory.
Then, erecting bed liquid crystal display will show " in person " (S54).
Next, my notification unit judges whether to receive the temporary authentication OK(S55 that service for checking credentials center Qi sends).In step (S55), when receiving temporary authentication OK, erecting bed liquid crystal display can show the information (S56) of credit agency side temporary authentication OK.Accordingly, salesman then can feel at ease to input salesman's code that salesman's square tube knows my certification.
Then, my notification unit shows the information (S57) of " asking salesman to press acknowledgement key ", " please at one-dimensional bar code reader input salesman code tki " in erecting bed liquid crystal display.
Next, salesman's code reading part determines whether input salesman's code (S58) by one-dimensional bar code reader.
In following step (S18) again, when having inputted salesman's code, salesman's code reading part will show this salesman's code tki(S59 in erecting bed liquid crystal display).
On the other hand, salesman's confirmation notification unit receives the message that salesman's code tki that my notification unit sends has shown, then determine whether input validation key (S60) by erecting bed keyboard base portion.In step (S60), when judging that acknowledgement key is pressed, then start two-dimensional bar reader, card reader (S61).
Then, salesman's confirmation notification unit, by internet, the credit card number information Cji(read in two-dimensional bar reader is comprised card number, Bi, Ai, UBi) and internal memory in salesman's code tki, enroll the salesman confirmation TSCji of confirmation, be sent to authentication service center Qi(S62).
In addition, in step (in S55), when receiving the temporary authentication NG that authentication service center Qi sends, showing use over the display and disapproving, termination (S63).
In addition, in each portion that the authentication service center Qi of above-mentioned example uses server, adopt and use the cloud body system of several server also passable respectively.
Certainly; more than illustrate and be only preferred embodiment of the present invention; the present invention is not limited to enumerate above-described embodiment; should be noted that; any those of ordinary skill in the art are under the instruction of this instructions; made all equivalently to substitute, obvious form of distortion, within the essential scope all dropping on this instructions, protection of the present invention ought to be subject to.
Claims (10)
1. adopt a credit card payment method for organism authentication terminal, it comprises: shop terminal, certification credit number provide server, the mobile phone at center, and shop terminal, server and mobile phone are all connected to network; Shop terminal includes the credit card payment terminal be connected with Quick Response Code code reader and Password Input terminal, and shop salesman inputs salesman's numbering input medium of salesman's numbering, and the operator's console of organism authentication terminal is housed; Described server, according to the authentication result of organism authentication terminal, sends credit card number to described mobile phone;
Described certification credit number provides center to be also provided with switch, and switch is connected with described server communication, switch setting organism authentication terminal telephone number, and organism authentication terminal telephone number is presented in described organism authentication terminal;
Described certification credit number provides the server at center to possess following storage means:
The first stores means: record the organism characteristic information of every member's privileged site and the phone number of described member as center registration artifact body characteristics information, is connected the mobile E-mail address of this information and described member and stores as member's Biont information;
The second stores means: store and comprise described phone number, credit number, remaining sum, can utilize the credit card member information of time limit, password.
2. credit card payment method according to claim 1, is characterized in that, above-mentioned credit card payment method comprises:
Step one: contain described phone number in the information that described switch accepts, from the first storage means described, retrieval comprises described member's Biont information of described phone number, by with the described center that this member's Biont information is associated register artifact bulk properties information together described in receive information together with send to described organism authentication terminal;
Step 2: the certification determination information receiving the user's privileged site Biont information sent from described organism authentication terminal;
Step 3: contain described phone number in described certification determination information, from described the second storage means, retrieval comprises the described credit card member information of described phone number;
Step 4: convert the credit number in the credit card information be retrieved to Quick Response Code;
Step 5:. described in contain described addresses of items of mail in the member biosome information that retrieves, send described Quick Response Code to described mobile phone by this address;
Step 6: accept the credit card payment solicited message that described credit card payment terminal sends, judge that whether the password comprised in this credit card solicited message is consistent with the password comprised in described credit card member information;
Step 7: when judged result is consistent, judgement can utilize, and sends the information allowing described salesman input salesman's coding to described shop terminal;
Step 8: after sending described information, accepts the salesman's confirmation comprising described salesman coding having described shop terminal to send;
Step 9: while accepting described salesman's confirmation, search for the described credit card member information be stored in the second storage means, credit number wherein, the amount of money can be utilized, the time limit can be utilized and be included in credit number in described credit card payment solicited message, amount, use date, carrying out this certification by comparing, authentication result being sent to described credit card payment terminal;
Described organism authentication terminal has been installed before the operator's console with organism authentication terminal of described shop terminal, after salesman's display part has been installed;
Step one all can be presented on described display part to the content of step 9, is included in from the authentication result in the certification determination information of described organism authentication terminal, and from the described information of described server, the salesman from described salesman's coding input means encodes;
On described salesman's coding, additional described certification determination information and date, send to described server in this, as described salesman's confirmation.
3. credit card payment method according to claim 1, is characterized in that, described organism authentication terminal is equipped with the third storage means;
Described organism authentication terminal accepts the described center registration organism characteristic information sent from described server, and is stored in the third storage means;
Read in the organism characteristic information of described user's privileged site by optics, compare this organism characteristic information and register organism characteristic information with the described center be stored in the third storage means described, carry out certification with this;
This authentication result is sent to described server together with the described telephone number be included in this center registration organism characteristic information, the organism authentication terminal telephone number set in advance.
4. the credit card payment method according to Claims 2 or 3, is characterized in that, described server possesses the 4th kind of storage means storing credit card payment information;
Described server receives the credit card payment information sent by described signal card settlement terminal, is stored in described 4th kind of storage means;
Described Quick Response Code code reader is read in the Quick Response Code on described mobile phone picture by optics and is understood, and is exported separating the described credit number read by described credit card payment terminal;
Described credit card payment terminal sends described credit card payment application information to described server, and this information comprises the amount and use date that are inputted on operation keyboard by the described credit card number of described Quick Response Code code reader solution reading, the password inputted in described Password Input terminal by described user, described salesman;
When described server display credit card can utilize, described credit card payment terminal sends containing described amount, the detail list using date, shop name.
5. credit card payment method according to claim 4, it is characterized in that, described shop terminal has described salesman's coding input means, and described salesman's coding input means refer to the unitary code reader of the unitary bar code on salesman's card of reading and being imprinted on entrained by salesman.
6. credit card payment method according to claim 4, is characterized in that, described server sends the order cancelling this two-dimensional code data after a period of time sending described two-dimensional code data information.
7. credit card payment method according to claim 4, is characterized in that, is equipped with the face photography video camera can taking described user's face in described organism authentication terminal front side; While reading in the raw body characteristics information of described user's privileged site, with described face camera shooting user face; The face-image of described shooting is attached on described certification determination information, described organism authentication object information is sent to described server;
Described server is equipped with face representation and logs in and use storage means, whenever receiving described organism authentication result information from described organism authentication terminal, the phone number be included in organism authentication object information described in this, organism authentication terminal telephone number and face representation being stored in described face representation and logging in in storage means.
8. credit card payment method according to claim 4, is characterized in that, the center registration Biont information be stored in the first storage means of described server is made up of intraveneous form characteristic and finger edge reference information; Middle finger inserts in the diaxon of stable handle by described member, shooting the back of the hand image, and find out and take the vein crossings point in the back of the hand image in advance and connect, obtain benchmark polygon, this benchmark polygon is the one of intraveneous form characteristic; Finger edge reference information contains two reference edge lines, and in the back of the hand image, middle finger is Article 1 reference edge line with nameless sweep, and middle finger and the sweep referred to are Article 2 reference edge line;
Described organism authentication terminal is the palm authentication terminal obtaining finger digitized video and palm digitized video; Inserted by middle finger in the middle of described diaxon, join domain and the turn of bilge region of shooting middle finger, forefinger, the third finger and the back of the hand can obtain finger digitized video, take described the back of the hand and obtain the back of the hand digitized video;
Described server further provided with temporary storage, photographic image storage unit, ROI Extraction of Image portion, position finishing portion, intraveneous form comparing part; Described finger image data and described the back of the hand image data are stored in described temporary storage by photographic image storage unit; ROI Extraction of Image portion in described the back of the hand image data by intraveneous form extracting section necessary for certification out, form ROI image, extract and the thick intraveneous form synthesized in ROI image and thin vein form, generate and this vein synthesized form carried out binary conversion treatment and removes the intraveneous form after impurity treatment;
Described position correction unit has following means:
Finger edge Extraction of Image means: in the digitized video of described finger, using the first bending area and the second bending area as finger edge Extraction of Image out;
Edge line obtains means: to the first bending area implementation framework process described in described finger edge image, obtains marginal portion and the Article 2 edge line of middle finger and nameless marginal portion and Article 1 edge line and middle finger and forefinger;
First angle correction tries to achieve means: connect the intersection point be included in described Article 1 edge line and obtain Article 1 straight line with the intersection point be included in Article 2 edge line, connect the intersection point be included in described Article 1 reference edge line and obtain Article 2 straight line with the intersection point be included in Article 2 reference edge line, calculate relative angle i.e. first relative angle of two straight lines, and in this, as first angle correction;
Second angle correction tries to achieve means: compare the aperture of the described Article 1 edge line be included in described finger edge image and be included in the reference opening amount of the described Article 1 reference edge line in described finger edge reference information, calculate relative angle, and in this, as second relative angle; Relatively be included in the aperture of the described Article 2 edge line in described finger edge image and be included in the reference opening amount of the described Article 2 reference edge line in described finger edge reference information, calculating relative angle, and in this, as the 3rd relative angle;
Calculate second relative angle and the 3rd relatively mean value as second angle correction;
Intraveneous form correction video generation means: utilize intraveneous form described in described first angle correction and the correction of the second angle correction successively, generate intraveneous form correction image;
Described intraveneous form comparing part has means:
Consistency checking means: find out each point of crossing in described intraveneous form correction image, connect these point of crossing and form polygon, compare this polygon whether consistent with the benchmark polygon in described intraveneous form characteristic;
Result of determination display means: result of determination is presented on the display of described the back of the hand certification terminal.
9. credit card payment method according to claim 4, is characterized in that, described certification card number provides the server of center by authentication service center and credit card company server to form; Authentication service central server is connected with described Bio Metrics terminal and with the operator's console of described certification terminal by the Internet, is also connected with cellular network and credit card Special back road network simultaneously; Credit card company server is connected with credit card Special back road network;
Described server has described the first storage means, the means of described step one, the means of described step 2, the means of described step 4, the means of described step 5, the means of described step 7, the means of described step 8;
Described credit card company equipment has the second and stores means, the means of described step 3, the means of described step 6, the means of described step 9;
The means of described server comprise:
The means of described step one: described center registration living body feature information is sent to described organism authentication terminal by described the Internet;
The means of described step 2: accept the described certification determination information from described shop terminal by described the Internet, when the display of this certification determination information is holder himself, issue self acknowledging notice by described credit card Special back road network;
The means of described step 5: described Quick Response Code is sent to described mobile phone by described cellular network;
The means of described step 7: accept described consistent result of determination by described credit card conversion loop net, described information is sent to described shop terminal by described the Internet;
The means of described step 8: accept the described salesman's confirmation from described shop terminal by described the Internet, send to described credit card company server the notice that display accepts this information by described credit card Special back road network;
The means of described credit card company equipment comprise:
The means of described step 6: accept the described credit card payment solicited message from described credit card payment terminal by described credit card Special back road network, described consistent judged result is sent to the server at described authentication service center by described credit card dedicated circuit;
The means of described step 9: accept the notice that described salesman is subject to confirmation by described credit card Special back road network, connect described Card Verification and send to described credit card payment terminal by described credit card Special back road network.
10. credit card payment method according to claim 9, is characterized in that, the equipment of described credit card company is positioned in each credit card company;
Described server sends the information requiring input credit card company name Cni to telephone number by described telephone network, during described telephone number is included in and receives information described in the reception of described switch.
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| CN104732389B (en) | 2018-02-09 |
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