CN104732389B - A kind of credit card payment method using organism authentication terminal - Google Patents

Abstract

The invention discloses a kind of credit card payment method using organism authentication terminal, it includes：Shop terminal, certification credit number provide server, the mobile phone at center, and shop terminal, server and mobile phone are connected to network；Shop terminal includes the credit card payment terminal being connected with Quick Response Code code reader and Password Input terminal, and shop salesman inputs salesman's numbering input medium of salesman's numbering, the operating desk equipped with organism authentication terminal；The server sends credit card number according to the authentication result of organism authentication terminal to the mobile phone；The certification credit number provides center and is additionally provided with interchanger, and interchanger is connected with the server communication, and interchanger setting organism authentication terminal telephone number, organism authentication terminal telephone number is shown in the organism authentication terminal.Certification credit number offer center can send the living body feature information of this mobile phone owner to organism authentication terminal, carry out organism authentication.

Description

A kind of credit card payment method using organism authentication terminal

Technical field

The present invention relates to the credit card settlement system using organism authentication terminal, user is also may be used in no band credit card While with credit card payment, salesman can trust the method for carrying out commodity selling, more particularly to a kind of using biology realization Demonstrate,prove the credit card payment method of terminal.

Background technology

When buying commodity in shop, instead of cash, situation about being settled accounts using credit card, debit card, advanced charge card is increasingly It is more.

Generally, conventional credit card settlement system is authenticated using credit card, system by professional circuit with The calculating punch and credit card company server being arranged in shop are connected.Hold the user of credit card using credit card When buying commodity in shop, salesman takes over credit card, and credit number etc. is read using calculating punch after the amount of money is inputted.

Generally, calculating punch is recognized the server that this credit card number information is sent to credit card company Card.Then, calculating punch receives this authentication result, when authentication result, which is shown, to be authenticated, provides receipt.Therefore, once Credit card is fallen into third party's hand, just can be settled accounts easily.

In addition with following clearing form, while the amount of money is inputted in special-purpose terminal, it is also necessary to input password and credit Card number is authenticated.But when credit card and password are both fallen within third party's hand, just it can be settled accounts easily.

On the other hand, when holder forgets band credit card, commodity cannot be bought in shop.

Conventional credit card settlement system, the third party beyond me can also use this credit card.Under normal circumstances, when When the third party has used the credit card, the real owner of credit card can circulate a notice of credit card company afterwards, and oneself does not exist Which shop used credit card, and credit card company can require that the amount of money is returned in Na Jia shops, or obtain insurance compensation.

That is, conventional credit card settlement system, when the third party is illegal utilizes credit card, shop, credit card are public Department, insurance company will undertake the responsibility.On the other hand, conventional credit card settlement system, once user forgets band credit card, that It can not just be done shopping in shop.In addition, when credit card breaks down in itself, salesman can be manually entered credit card number, again The possibility of input error occurs.

In summary, prior art needs further improvement and developed.

The content of the invention

In view of above-mentioned the deficiencies in the prior art, it is an object of the invention to provide a kind of letter using organism authentication terminal With card settlement method.

In order to solve the above technical problems, the present invention program includes：

A kind of credit card payment method using organism authentication terminal, it includes：Shop terminal, certification credit card Number provide center server, mobile phone, shop terminal, server and mobile phone are connected to network；Shop terminal bag The credit card payment terminal being connected with Quick Response Code code reader and Password Input terminal is included, shop salesman inputs salesman's numbering Salesman's numbering input medium, the operating desk equipped with organism authentication terminal；The server is recognized according to organism authentication terminal Result is demonstrate,proved, credit card number is sent to the mobile phone；

The certification credit number provides center and is additionally provided with interchanger, and interchanger is connected with the server communication, hands over Change planes and set organism authentication terminal telephone number, organism authentication terminal telephone number is shown in the organism authentication terminal On；

The server that the certification credit number provides center possesses following storage means：

The first storage means：Record the organism characteristic information of every member's privileged site and the cell-phone number of the member Code connects the mobile E-mail address of this information and the member as meeting as living body feature information after the registration of center Member's Biont information storage；

Second of storage means：Storage include the phone number, credit number, remaining sum, using time limit, password Credit card member information.

Described credit card payment method, wherein, above-mentioned credit card payment method includes：

Step 1：The phone number is contained in the information that the interchanger receives, from the first described storage means It is middle to retrieve the member's Biont information for including the phone number, described in associated with this member's Biont information Organism characteristic information sends jointly to the organism authentication terminal with the information that receives after the registration of center；

Step 2：The certification for receiving the user's privileged site Biont information sent from the organism authentication terminal is sentenced Determine information；

Step 3：The certification judges to contain the phone number in information, examined from second of storage means Rope includes the credit card member information of the phone number；

Step 4：Credit number in the credit card information being retrieved is converted into Quick Response Code；

Step 5：The addresses of items of mail is included in the member's organism information retrieved, by this address by institute State Quick Response Code and send the mobile phone to；

Step 6：Receive the credit card payment solicited message that the credit card payment terminal is sent, judge that this credit card please Ask the password included in information and the password that is included in the credit card member information whether consistent；

Step 7：When judged result is consistent, judgement can utilize, and send the shop that allows to the shop terminal The information of member's input salesman's coding；

Step 8：After sending described information, receive to there is the shop terminal to send comprising salesman coding Salesman's confirmation；

Step 9：While receiving salesman's confirmation, search is stored in the letter in second of storage means With card membership information, credit number more therein, using the amount of money, using the time limit with please included in the credit card payment Credit number in information, amount, use date are asked, this certification is carried out by comparing, authentication result is sent to described Credit card payment terminal；

The biology realization is mounted with before the operating desk with organism authentication terminal of the shop terminal Demonstrate,prove terminal, behind be mounted with salesman's display part；

The content of step 1 to step 9 can be displayed on the display part, included in whole from the organism authentication The certification at end judges the authentication result in information, the described information from the server, from salesman's coding input hand Salesman's coding of section；

The certification is added on salesman's coding and judges information and date, is sent out in this, as salesman's confirmation Give the server.

Described credit card payment method, wherein, the organism authentication terminal is equipped with the third storage means；

The organism authentication terminal receives to register organism characteristic information from the center that the server is sent, And it is stored in the third storage means；

The organism characteristic information of user's privileged site is read in by optics, compare this organism characteristic information with The center registration organism characteristic information being stored in the third described storage means, is authenticated with this；

By the same telephone number being included in center registration organism characteristic information of this authentication result, it is previously set Good organism authentication terminal telephone number sends jointly to the server.

Described credit card payment method, wherein, the server possesses storage the 4th kind of credit card payment information and deposited Storage means；

The server receives the credit card payment information sent by the signal with card settlement terminal, is stored in described the In four kinds of storage means；

The Quick Response Code code reader is read in the Quick Response Code on the mobile phone picture by optics and understood, and will interpret The credit number exported by the credit card payment terminal；

The credit card payment terminal sends the credit card payment application information to the server, the information include by The credit card number that the Quick Response Code code reader interprets, inputted in the Password Input terminal by the user it is close The amount and use date that code, the salesman input in operation keyboard；

When the server shows that credit card can utilize, the credit card payment terminal is sent containing described using gold Volume, use date, the detail list of shop name.

Described credit card payment method, wherein, the shop terminal has salesman's coding input means, institute State the unitary code reader that salesman's coding input means refer to read the unitary bar code being imprinted on salesman's card entrained by salesman.

Described credit card payment method, wherein, the server is when sending one section of the two-dimensional code data information Between after send cancel this two-dimensional code data order.

Described credit card payment method, wherein, the organism authentication terminal front side be equipped with can shoot it is described The facial photography video camera of user's face；While the raw body characteristic information of user's privileged site is read in, use Face camera shooting user's face；The face-image of the shooting is attached into the certification to judge in information, will The organism authentication object information is sent to the server；

The server is equipped with face representation and logged in storage means, whenever receiving institute from the organism authentication terminal Organism authentication result information is stated, phone number, the organism authentication that will be contained in the organism authentication object information Terminal telephone number and face representation are stored in the face representation and logged in in storage means.

Described credit card payment method, wherein, the center registration being stored in the server the first storage means Biont information is made up of intraveneous form characteristic and finger edge reference information；Middle finger is inserted stable handle by the member Two axles in, shoot the back of the hand image, find out in advance shooting the back of the hand image in vein crossings point and connect, it is polygonal to obtain benchmark Shape, this benchmark polygonal are one kind of intraveneous form characteristic；Finger edge reference information contains two reference edge lines, Middle finger and nameless bent portion are first reference edge line in the back of the hand image, and middle finger and the bent portion referred to are second Bar reference edge line；

The organism authentication terminal is to obtain the palm authentication terminal for referring to portion's digitized video and palm digitized video；Will Middle finger is inserted among two axle, and shooting middle finger, forefinger, the nameless join domain with the back of the hand are that turn of bilge region can be referred to Portion's digitized video, shoot described the back of the hand and obtain the back of the hand digitized video；

The server further provided with temporary storage, photographic image storage unit, ROI Extraction of Image portion, position finishing portion, Intraveneous form comparing part；Finger portion image data and the back of the hand image data are stored in described face by photographic image storage unit When memory in；ROI Extraction of Image portion will authenticate necessary intraveneous form extracting section in the back of the hand image data and come out, ROI images are formed, extracts and synthesizes thick intraveneous form and the thin vein form in ROI images, generate this vein synthesized form Carry out binary conversion treatment and remove the intraveneous form after impurity treatment；

The position correction unit has following means：

Finger edge Extraction of Image means：It is in finger portion digitized video, the first bending area and second is curved Bent region comes out as finger edge Extraction of Image；

Edge line obtains means：The first bending area implementation framework described in the finger edge image is handled, obtained It is first edge line and the marginal portion of middle finger and forefinger i.e. Article 2 edge line to middle finger and nameless marginal portion；

First angle correction tries to achieve means：Intersection point of the connection included in first edge line is with being included in second Intersection point in article edge line obtains straight line, and connection is included in intersection point in first reference edge line with being included in Intersection point in Article 2 reference edge line obtains Article 2 straight line, and the relative angle for calculating two straight lines is first relative angle Degree, and in this, as first angle correction；

Second angle correction tries to achieve means：Compare first edge line included in the finger edge image Aperture and the reference opening amount of first reference edge line included in the finger edge reference information, calculate phase To angle, and in this, as second relative angle；Compare the Article 2 edge included in the finger edge image The aperture of line and the reference opening amount of the Article 2 reference edge line included in the finger edge reference information, are calculated Relative angle, and in this, as the 3rd relative angle.Calculate second relative angle and the 3rd average value relatively As second angle correction；

Intraveneous form amendment video generation means：Repaiied successively using first angle correction with second of angle correction Just described intraveneous form, generate intraveneous form amendment image.

The intraveneous form comparing part has means：

Consistency checking means：Each crosspoint in the intraveneous form amendment image is found out, connects these crosspoint shapes Into polygonal, compare the polygonal and whether the benchmark polygonal in the intraveneous form characteristic is consistent；

Result of determination display means：Result of determination is included on the display of the back of the hand certification terminal.

Described credit card payment method, wherein, the certification card number provides server of the center by authentication service center Formed with credit card company server；Authentication service central server by internet and the Bio Metrics terminal and band The operating desk for stating certification terminal is connected, while is also connected with cellular network and credit card Special back road network；Credit card company takes Business device is connected with credit card Special back road network；

The server has the first storage means, the means of the step 1, the means of the step 2, the institute State means, the means of the step 5, the means of the step 7, the means of the step 8 of step 4；

Credit card company's equipment possesses second of storage means, the means of the step 3, the hand of the step 6 Section, the means of the step 9；

The means of the server include：

The means of the step 1：By the center register living body feature information be sent to by the internet it is described Organism authentication terminal；

The means of the step 2：Receive the certification from the shop terminal by the internet to judge Information, when it is holder himself that this certification, which judges presentation of information, self acknowledging is issued by the credit card Special back road network Notice；

The means of the step 5：The Quick Response Code is sent to the mobile phone by the cellular network；

The means of the step 7：The consistent result of determination is received by credit card conversion loop net, by institute State information and the shop terminal is sent to by the internet；

The means of the step 8：Receive the salesman from the shop terminal by the internet to confirm Information, sent by the credit card Special back road network to the credit card company server and show the notice for receiving this information；

The means of credit card company's equipment include：

The means of the step 6：Received by the credit card Special back road network from the credit card payment terminal The credit card payment solicited message, the consistent judged result is sent to by the credit card dedicated circuit and described recognized Demonstrate,prove the server of service centre；

The means of the step 9：The salesman is received by the credit card Special back road network and is verified the logical of information Know, the Card Verification is connected the credit card payment terminal is sent to by the credit card Special back road network.

Described credit card payment method, wherein, the equipment of the credit card company is positioned in each credit card company；

The server sends the information for requiring input credit card company name Cni by the telephone network to telephone number, The telephone number is included in described the receiving in information of interchanger reception.

A kind of credit card payment method using organism authentication terminal provided by the invention, shop is arranged on mobile phone dialing The Bio Metrics terminal telephone number in Bio Metrics terminal is spread, certification credit number, which provides center, can send this mobile phone owner Living body feature information carries out organism authentication to organism authentication terminal.

When it is me that the authentication result from organism authentication terminal, which is shown, certification credit number provides center and requires letter The credit number of mobile phone owner is provided with card company, Quick Response Code is converted into and is sent to mobile phone, receiving comes from credit card payment Terminal includes the credit card payment require information including amount, password.

When the password in credit card payment require information is consistent with the password in the credit card member information being previously stored, Utilizable information is sent to shop terminal, and requires salesman's input coding.Carried out while salesman's input coding This certification, send the result 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 be that center is carried out The confirmation of cipher authentication result, therefore confirm in shop when being user, salesman can trust that input salesman encodes rki。

When authentication result for I when because after salesman's input coding, credit card number be able to can be just sent to mobile phone, so It is known that it is that who salesman permits having used credit card.

Therefore, in the future, if because something need know license using credit card salesman when, can be directly in authentication service Center finding.For example, when to user's request error, salesman can be determined quickly.

Personal selling volume management can be supplied to shop with data using this service.Because can be with when using this service Know salesman's name.Using this service, if directly salesman can be looked for be confirmed because something needs to confirm user in the future.Because User's face-image and salesman's name have been registered in authentication service center.

Brief description of the drawings

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 using organism authentication terminal, for make the purpose of the present invention, Technical scheme and effect are clearer, clear and definite, and the present invention is described in more detail below.It is it should be appreciated that described herein Specific embodiment only to explain the present invention, is not intended to limit the present invention.

The invention provides a kind of credit card payment method using organism authentication terminal, as shown in Figure 1, it is wrapped Include：Shop terminal, certification credit number provide server, the mobile phone at center, and shop terminal, server and mobile phone are equal It is connected to network；It is whole that shop terminal includes the credit card payment being connected with Quick Response Code code reader and Password Input terminal End, shop salesman input salesman's numbering input medium of salesman's numbering, the operating desk equipped with organism authentication terminal；The service Device sends credit card number according to the authentication result of organism authentication terminal to the mobile phone；

The certification credit number provides center and is additionally provided with interchanger, and interchanger is connected with the server communication, hands over Change planes and set organism authentication terminal telephone number, organism authentication terminal telephone number is shown in the organism authentication terminal On；

The server that the certification credit number provides center possesses following storage means：

The first storage means：Record the organism characteristic information of every member's privileged site and the cell-phone number of the member Code connects the mobile E-mail address of this information and the member as meeting as living body feature information after the registration of center Member's Biont information storage；

Second of storage means：Storage include the phone number, credit number, remaining sum, using time limit, password Credit card member information.

And credit card payment method includes in the present invention：

Step 1：The phone number is contained in the information that the interchanger receives, from the first described storage means It is middle to retrieve the member's Biont information for including the phone number, described in associated with this member's Biont information Organism characteristic information sends jointly to the organism authentication terminal with the information that receives after the registration of center；

Step 2：The certification for receiving the user's privileged site Biont information sent from the organism authentication terminal is sentenced Determine information；

Step 3：The certification judges to contain the phone number in information, examined from second of storage means Rope includes the credit card member information of the phone number；

Step 4：Credit number in the credit card information being retrieved is converted into Quick Response Code；

Step 5：The addresses of items of mail is included in the member's organism information retrieved, by this address by institute State Quick Response Code and send the mobile phone to；

Step 6：Receive the credit card payment solicited message that the credit card payment terminal is sent, judge that this credit card please Ask the password included in information and the password that is included in the credit card member information whether consistent；

Step 7：When judged result is consistent, judgement can utilize, and send the shop that allows to the shop terminal The information of member's input salesman's coding；

Step 8：After sending described information, receive to there is the shop terminal to send comprising salesman coding Salesman's confirmation；

Step 9：While receiving salesman's confirmation, search is stored in the letter in second of storage means With card membership information, credit number more therein, using the amount of money, using the time limit with please included in the credit card payment Credit number in information, amount, use date are asked, this certification is carried out by comparing, authentication result is sent to described Credit card payment terminal；

The biology realization is mounted with before the operating desk with organism authentication terminal of the shop terminal Demonstrate,prove terminal, behind be mounted with salesman's display part；

The content of step 1 to step 9 can be displayed on the display part, included in whole from the organism authentication The certification at end judges the authentication result in information, the described information from the server, from salesman's coding input hand Salesman's coding of section；

The certification is added on salesman's coding and judges information and date, is sent out in this, as salesman's confirmation Give the server.

In order to which the method for the present invention is further described, organism authentication terminal in following examples certification information It can be fingerprint, palm vein or face and hand back vein, be illustrated as example.

Using the credit card settlement system of organism authentication terminal, shop Fi is arranged on（Fi：Fa、Fb••）In shop it is whole The server of end device and authentication service center Qi is connected to internet.

It is connected to and mobile phone（Multiple mobile phones can be connected to, for example are connected to mobile phone a, mobile phone b ...）The hand being connected Machine net.Credit card company Pi（Pa、Pb••）It is connected with credit card company with special circuit, credit card company's special circuit and letter With being connected with telecommunications services device for card corporate facility, credit card settlement system is connected to telecommunications services device.This with telecommunications services device with Multiple credit card company Pi server is connected, and the aftermentioned information from credit card payment terminal is sent into the credit card company Pi server, then the information from credit card company Pi is sent to the 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.Credit Card company is special with the credit card for being collectively referred to as this embodiment with telecommunications services device with letter mechanism of special circuit and credit card company Line network.Internet, mobile phone, credit card company's leased line network are collectively referred to as communication network.

Foregoing authentication service center Qi server can also be arranged on credit card company or mechanism of credit card company, also may be used The server at center is provided so that they to be combined as certification credit number.

The shop terminal for being arranged on shop Fi is made up of following device, organism authentication terminal, card reader（Also referred to as For Card Verification terminal）, portable biometric realization card terminal console, read entrained by salesman salesman on salesman's card TGi Encode tki（One-dimension code）One-dimension code decoder.With regard to being described behind being formed in of shop terminal using diagram.

The telephone number distributed by authentication service center Qi is shown in organism authentication terminal（Bio Metrics terminal telephone Number Ai）（It can also write on note and paste somewhere）.

On the other hand, authentication service center Qi server has is formed with lower part, member authentication portion, membership information number According to storehouse, organism authentication information sending part, record information form, Biont information registration database, organism authentication knot Fruit 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 composition, using the credit card settlement system of organism authentication terminal, make mobile phone credit card payment mould Formula and mobile phone credit service authentication information registration mode are possibly realized.

The method that credit settlement is carried out using mobile phone, number verification notice is obtained by mobile phone model, with organism terminal electricity If words number A1 makes a phone call, the member verification portion of service for checking credentials center Qi server will be with the phone number of mobile phone model Code（Hereafter it is called cell-phone telephone number Bi）Certification membership information in the case of login.

Then, if in the case of being certified and being member, organism authentication information sending part is being sent to organism authentication In the database of end message in the IP address of in store organism authentication terminal, by the data of Biont information login Place center-side described later logs in center-side login Ji the back of the hand certification that the associated information RMji that Ji the back of the hand obtains is included and used Characteristic information RHji（Include Ai, Bi）Information is sent to organism authentication terminal.

On the one hand, in organism authentication terminal side, actually obtained what terminal side the back of the hand of finger nail was obtained The back of the hand authentication feature information TSji and center-side that the terminal side that associated information is included by TEji obtains log in Ji the back of the hand The characteristic information RHji's of certification relatively carries out down my certification, and this result realizes card terminal processes platform in portable biometric Inner side liquid-crystal apparatus in be allowed to show and allow businessman to know to be he or she.

Logged in next, organism authentication terminal reads center-side included in the characteristic information RHji of Ji the back of the hand certification The phone number Bi, organism authentication terminal telephone number Ai and authentication result Mi, authentication result Mi and mug shot Gai The combined organism authentication object information Nji drawn sends information to authentication service center Qi server.

The organism authentication result receiving part of authentication service center Qi server receives life from organism authentication terminal Object authentication result information Nji (Ai, Bi, STi, Gai), the store-memory in the list used in record information.

So, mug shot Gai mug shot described later memory storage in by store-memory.

Next, the authentication result Mi that card number requirement portion includes in organism authentication object information Nji is shown In the case of allowing use, in phone number Bi designated companies name Cni, it is allowed to send information.

Next, reading this credit agency title Cni, distribution accepts number UBi, makes the service with this credit agency Credit card number information Cji corresponding the phone number Bi of device（Comprising card number Cki, phone number Bi, number is accepted UBi）Information is sent, and cuts off the telecommunication connection between cell phone network.

Further, card number transfering department is by this credit card number information Cji（Cki, Bi, UBi）Card number Cki Quadratic Finite Element bar code data is converted into, information is sent to mobile phone model according to this mailing server.

Next, collection cost processing unit is within certain period（Such as 20 days）With reference to each aftermentioned card number requirement Information, ask for cost of use to the credit agency Pi of the member for the mobile phone model for having used authentication service.

On the other hand, in the terminal installation side of shop side, in Quadratic Finite Element bar code loader, it is allowed to read in Mobile phone type The Quadratic Finite Element bar code shown in number（Credit card number）, and exported in card input device.

Next, the keyboard of salesman's operation sheet loader in shop, is allowed to input amount, payment times etc. （Total overview is got up also referred to as use information）.

Next, according to password figure input method（Shown without figure）In the case of being transfused to password figure, do not illustrate, If send button is pressed, the card number Cki of the foregoing description and the information used and the combined card knot of password figure Require information CKji is calculated, message is sent from numeral input device to company Pi server.

On the other hand, credit agency Pi server by card settlement request information CKji password figure with this card Included in settlement request information CKji phone number Bi be previously stored the card membership information KKji remembered password Numeral compares, so as to judge whether it is consistent.

If in the case of consistent, message is sent to authentication service center Qi server, waits for this clearing Untill salesman's password tki is transfused to.

Salesman's Password Input promotion division of authentication service center Qi server judges whether password figure is consistent with each other It is no to allow to use, also whether allow to use to shop side's terminal installation notice（It could also say that password figure is consistent）.Shop Whether the portable biometric realization card terminal processes platform of square terminal installation makes to allow on the liquid-crystal apparatus of the information that uses internally Show.

Moreover, in the terminal installation of shop side, whether credit agency Pi is notified from the Qi of authentication service center allows Using being shown on liquid-crystal apparatus internally in the form of information.

Then, the salesman of a dimension bar code device it is entrained salesman's card TGi salesman's card tki（Also referred to as Salesman's name）If being transfused to, this salesman's password tki's accepts number UBi, organism authentication terminal telephone number Ai, mobile phone Salesman's confirmation TSCji additional number Bi etc.（Tki, Ai, Bi, UBi etc.）To credit agency Pi and authentication service Center Qi servers send message.

Next, card-type device is in the card authentication result drawn from credit agency Pi, if it is shown that card makes In the case of possible, be just allowed to distribution and be printed on amount, usage time and the firm name that is set in advance it is detailed Specification.

Generally speaking, even if having no credit card, come to organism authentication terminal used in mobile phone model to shop side Notice is he or she, even like this credit agency also will appreciate that whether password figure is consistent.Therefore, salesman can also pacify The input of the heart represents salesman's password tki that confirmation is my information.It is at whom moreover, because have input salesman password tki The problem of reason, is also becoming can confirm that from now on.

What a series of card settlement system of this embodiment was carried out is credit services authentication information login method.Credit takes Business authentication information login method is exactly that center side described later logs in the correlation that Ji the back of the hand obtains in order to use credit services with mobile phone Join the method for information RMji login authentications service centre.

The explanation of various information

Center side said before logs in the characteristic information RHji of Ji the back of the hand certification and includes nail described below Coupling part boundary information ANi, high-precision intraveneous form data VPBCi.

Moreover, in organism authentication terminal, nail and nail connecting portion described below from the hand actually obtained Divide in Li each image finger the back of the hand the partial image Hdi, ROI image Hri, intraveneous form VPi obtained, nail coupling part image LHi（The back of the hand associated image TBGi that general overview is called acquisition is carried out below）In the nail coupling part boundary line that is calculated Information ANi and intraveneous form performance data VPBCi is referred to the back of the hand authentication feature information TSji of terminal side acquisition.

And then the back of the hand authentication feature information TSji that this terminal side obtains is with the back of the hand associated image TBGi's of acquisition Group is referred to as the associated information TEji that terminal side the back of the hand obtains.

In a word, Hand Vein Image Hdi, ROI image Hri, intraveneous form VPi, nail coupling part image LHr and nail connect Socket part line of demarcation information ANi, and total the summing up of intraveneous form performance data VPBCi are called the phase of terminal side the back of the hand acquisition Related information TEji.

The structure of store sales side's terminal installation

It is portable biometric realization card terminal processes platform, organism authentication terminal and card-type device and a dimension bar code Total summary saying of device, Quadratic Finite Element bar code device and not shown password figure input method etc..It is portable Organism authentication terminal processes platform, the T-shaped construction of portrait is fixed above bottom plate, moreover, forming opening below portrait Portion.Foregoing bottom plate, for example for be exactly the square centimetre multiplied centimetre, the height of portrait is calculated above bottom plate About 50 centimetres, width is centimetre.

Then, in portrait lower part, the opening that 10 centimeters of left and right are highly 18 centimetres is started in the central shaft of portrait Portion is formed.Moreover, easily handle is set in order to carry to move above portrait.

Moreover, portrait about 10 centimetres of position since one side of bottom plate is vertically arranged, its rear space is broad.So It is internally salesman or salesman's password tki in order to be authenticated the nail of hand according to organism authentication terminal on its one side Etc. can be inputted in the keypad portion used in treatment bench.And then realize in portable biometric and set inside card terminal processes platform Keypad portion used in the liquid-crystal apparatus and treatment bench used in treatment bench etc..

Realized in portable biometric sets salesman's coding input device reading part and salesman to confirm inside card terminal processes platform Information notification part and my notification unit etc..These are the programs that CPU, device etc. is implemented with processor.Salesman encodes Reading part, the salesman for internally obtaining salesman's card TGi of dimension bar code device reading encodes tki, and is notified to me Portion exports.

The certification that my notification unit is obtained in organism authentication terminal judges information NHji（Bi, Ai, Mi etc.）Comprising The authentication result Mi, if what is represented is in the case that authentication result Mi allows use, such as in the liquid used in treatment bench Information as display " being me " on brilliant device.

Next, if salesman's confirmation notification unit, which is notified, has received the interim judgement information for allowing to use KEji（Interim card obtains certification, Bi, UBi）If（Mark, signal）, shown on the liquid-crystal apparatus used in treatment bench interim The information that card certification passes through.

Next, if being encoded from salesman and salesman's coding tki is inputted in reading part, this can be in the liquid used in treatment bench Shown in brilliant device.And then my notification unit can store-memory salesman in portable biometric realizes card terminal processes platform Encode tki and certification judges information NHji（Ai,Bi,Mi）And the signal that interim card certification passes through.This when, in table Show not shown calendar date and time（Hereinafter referred to as service usage time Sti）While, this can be portable Store-memory in formula organism authentication terminal processes platform.

Salesman's confirmation notification unit is in the case where my notification unit have received the information that certification judges information NHji, meeting Card-type device and Quadratic Finite Element bar code device is set to start to start.

Next, judge information KEji according to receiving to allow to use from authentication service center Qi the Internet network temporarily（Face When card certification license, Bi, UBi）Information, and accreditation is received to it to my notification unit notice.

Next, press the key of representative " confirmation is for I " in the keypad portion g used in treatment bench（Such as F1）If, The salesman of portable biometric realization card terminal processes platform encodes tki and service usage time Sti and certification judges information NHji （Ai,Bi,Mi）And salesman's confirmation TSCji that the signal group that passes through of temporary authentication has been unified（tki,Sti,Ai,Bi,Mi, The signal that interim card certification passes through, UBi）Via internet message is sent to authentication service center Qi server.

So, it is not indispensable to confirm my key, and only a dimension bar code device reads salesman and encodes tki When, do not judge whether it is that salesman is also not related.

The front of organism authentication terminal is to be tilted and formed, and inner inclination is set as cavity and forms boxed-section shape. Front is provided with operating portion.This operating portion is connected in box by liquid-crystal apparatus and keypad portion and infrared ray sensor etc. .

Moreover, the hollow sectors in the inside oblong-shaped of case are tilted and formed.Partly sealed below this hollow sectors Mouth is opened.Moreover, the inner layer surface of hollow sectors by the material brushing of absorption infrared ray.

Then, obstructed above blank part by infrared filter.In the upside of this infrared filter, set Put infrared illuminators and luminous ray and the nail photography of the CCD internal organ of finger nail is reacted untill shooting infrared spectral range Coupling part between finger and finger nail is reacted untill digital camera used and luminous ray and shooting infrared spectral range The CCD internal organ of nail coupling part refer to the back of the hand point photography digital camera used.

Nail coupling part Li described above is referred to as MP joint portions（Metacacarp Phalangeal Joinnt） Also referred to as middle finger internode joint portion, it is bone hand and the 2nd to the 4th base pitch in the 2 to the 4th in this serial embodiment MP joint portions between bone.

The nail coupling part Li of the foregoing description includes 1st sweep Laai of the field between connection middle finger and the third finger And the 2nd sweep Lbbi between connection middle finger and forefinger.

Stablize handle moreover, being set in the bottom of blank part side wall side.Stable handle is to be referred to energy in horizon bar The amplitude enough inserted is in two basic bar constructions set on horizon bar.This two wooden sticks are bent inclination and are installed in cavity In chest below portion.And then it is set in the bottom of blank part and is allowed with the nail of hand used in the nail photography of switch Microswitch.Moreover, stable handle is made by the action that two wooden sticks depresss, this action make nail photograph used in miniature open Close the state being changed into out.It is referred to as insert port between two wooden sticks.Covering member material is set in the opening of the bottom of blank part Material, so as to set the sensor for examining human body.Further, the top of operating portion is set used in the face photography of CCD internal organ Digital camera.

Foregoing infrared ray sensor portion is generally allowed to the eyebrow that shooting includes people, nose, the region of lip（Under Text is referred to as field Agi used in face judgement）.The concrete mode of certain organism authentication can also use other modes, for example refer to The technological means such as line, sound.

Next the composition of organism authentication terminal and authentication service center Qi server is illustrated.

The detailed composition of organism authentication terminal

Organism authentication terminal sets processor.Processor becomes in the case where examining human body sensor to perceive human body For starting state, and operating state is carried out in liquid-crystal apparatus.Processor sets method determination unit, member's telephone service consulting Portion, mug shot acquisition unit, nail coupling part photo acquisition unit, instruction unit is driven, refers to the back of the hand and divides ROI image acquisition unit, it is short Suspense recalls device used, and finger the back of the hand authentication information used in intraveneous form performance data generating unit and treatment bench sends portion, position Put correction value calculating part and intraveneous form coordination portion also has authentication result to send portion.

Intraveneous form performance data generating unit and position correction value calculating part and the total summary of intraveneous form coordination portion are risen Come referred to as the back of the hand authentication department.

Moreover, processor is to log in Ji as the log-on message sending part used in temporary storage and phone authentication and center-side Device and log-on message acceptance division used in organism characteristic information etc. are connected to.

In the device used in of short duration store-memory, the back of the hand point associated images TBGi is referred to by acquisition（Refer to the back of the hand partial image Hdi, ROI image Hri, intraveneous form PVi, nail coupling part image LHi）Obtained with terminal side and refer to the back of the hand authentication feature information TSji（Nail coupling part boundary information ANi, intraveneous form performance data VPBCi）The terminal side of composition, which refers to the back of the hand, to be separately won and takes pass Join information TEji etc. institute's store-memory.

Logged in center-side side in the device used in Ji organism characteristic information, center side is logged in used in Ji the back of the hand certification Characteristic information RHji is by store-memory.

Determination unit makes each several part be in starting state after the state for examining human body sensor to be changed into out, and is representing liquid crystal While the organism authentication terminal telephone number Ai in advance by store-memory in device, the credit settlement side of mobile phone is also illustrated that Method.And represent " F1 is the method that credit services authentication information login is carried out with mobile phone ".At that rate, human sensing is examined Device it is not necessary to, other function keys（Such as F4）Key as priming is also possible.

Using the credit services authentication information login method of mobile phone, with the keypad operation of organism authentication terminal, it is allowed to Input handset telephone number Bi, when receiving phone authentication from member's telephone counseling portion whether the certification that can be logged in.

Next, for receive using subscribing as of servicing of the credit settlement mode of mobile phone it is possible in the case of, stable Finger is inserted at handle, is obtained in temporary storage by terminal side the back of the hand of store-memory and mobile phone is added on related information TSji Telephone number Bi, at authentication service center Qi Biont information login by the use of database make as center side log in Ji the back of the hand obtain Related information RMji is taken to be logged in.

Further, using the credit settlement mode of mobile phone, mobile phone is allowed to be made a phone call with organism authentication terminal telephone number Ai, from End side the back of the hand when inserting hand at stable handle obtains the terminal side that related information TEji is tried to achieve and obtains the back of the hand authentication feature letter The characteristic information RHji that breath TSji logs in Ji the back of the hand certification with authentication service center Qi revenue centre side is compared to each other to recognize Card.Then, this organism authentication end message Nji is sent with internet in authentication service center Qi server（Ai,Bi, Mi,,Gai）While, realize card terminal processes platform authentication output in portable biometric and judge information NHji, be to salesman's notice This message of he or she.

Member's telephone counseling portion, operated with credit services authentication information login mode.

Member's telephone counseling portion, the use occasion of credit services authentication information login method, with the keypad in keypad portion The cell-phone telephone number Bi being transfused to store-memories in not shown device.

Next, with log in advance organism authentication terminal telephone number Ai while, to authentication service center Qi Send and log in consultation information Kri comprising the phone credits service authentication for representing login mode variable（Ai, Bi, login mode become ）, when receiving phone credits service authentication the nail of hand whether the certification that can be logged in.

Face image acquisition unit is entered according to credit services authentication information login mode or mobile phone in a manner of credit settlement Row operation.

Face image acquisition unit while infrared ray sensor portion is driven, take the photograph in not shown device by introduction face The digital camera of shadow is placed under photography state, is taken from the face-image Gai of the digital camera of facial photography.Then, it is red The shade light of each infrared ray sensor etc. is carried out on the device that not shown shade light defines in outside line sensor Definition, and shade light image is generated, this shade light image is overlapping with face-image Gai.

Moreover, shade light image is in eyebrow, eyes, nose, the facial judgement field Agi of mouth occasion, as the face of candid photograph The shutter signal in portion exports in face photography digital camera used, and is allowed to shoot.This face-image Gai is in of short duration note Store-memory in the device recalled.Nail coupling part image acquiring unit, according to credit services authentication information login method or Mobile phone is operated in a manner of credit settlement.

Nail coupling part image acquiring unit, the state for the microswitch opening for photographing special along with finger, to finger Special digital camera of partly photographing sends shutter signal, obtains nail coupling part Li image（Hereinafter referred to as nail connects Socket part partial image LHi）, this store-memory in the device of short-term memory.

Further, nail coupling part image acquiring unit, middle finger and the third finger in the image LHi of nail coupling part are extracted Between coupling part the 1st bending line image LGa and middle finger and forefinger between coupling part the 2nd bending line image LGb, this Sample has just drawn the 1st sweep Laai (Laa1, Laa2) and the 2nd sweep Lbbi defined with line segment（Lbb1,Lbb2）.

Then, the 1st sweep Laai (Laa1, Laa2) both ends pixel coordinate A, B and intersection point C each pixel coordinate are same Formed opening degree φ 1 deposits as the 1st sweep parameter in the setting of short-term memory between 1st sweep Laa1, Laa2 Storage memory.

Next, the 2nd sweep Lbbi（Lbb1, Lbb2）Both ends pixel coordinate A ', B ' and intersection point C ' each pixel Coordinate with the 2nd sweep Lbb1, between Lbb2 formed opening degree φ 2 as the parameter of the 2nd sweep in temporary storage Store-memory.Believe in the total referred to as foregoing nail coupling part boundary line that sums up of these the 1st and the 2nd sweep parameters Cease ANi.

In other words, stablize handle area, define middle finger and the third finger in the insert port between inserting two wooden sticks Between sweep opening degree φ 1, contact the sweep intersection point C between middle finger and the third finger, sweep between middle finger and forefinger Opening degree φ 2 and contact middle finger and forefinger between sweep intersection point C.

Driving instruction unit monitor nail photograph special microswitch or finger photograph special microswitch whether State in opening, refer in the insert port for stablizing handle is inserted, be in what is opened in the special microswitch of shooting finger In the case of, allow nail coupling part image acquiring unit and face image acquisition unit to start.

The back of the hand, ROI image acquisition unit are according to credit services authentication information login mode or mobile phone in a manner of credit settlement Operated.

Obtained in digital camera used in the back of the hand, ROI image acquisition unit from shooting nail and refer to the back of the hand partial image Hdi, short While suspense recalls device store-memory used, as ROI image Hri, extract this refer in the back of the hand partial image Hdi in order to The part of intraveneous form necessary to certification（Include thin vein form）, and the store-memory in temporary storage.

Intraveneous form performance data generating unit is according to credit services authentication information login mode or mobile phone, with credit settlement Mode is operated.

Intraveneous form performance data generating unit is by ROI image Hri thick big intraveneous form SPi and thin thin vein form ZPi is extracted out and synthesized, and this vein synthesis model Gpi is carried out into two values, and generation has removed the intraveneous form VPi of interference, Stored in temporary storage.Moreover, intraveneous form performance data generating unit seeks intraveneous form VPi each ramification point, will These ramification points link to form polygonal, and this polygonal is as previously described intraveneous form performance data VPBCi interim Store-memory in memory.

Previously described ROI image Hri, intraveneous form VPi, intraveneous form performance data VPBCi.

The back of the hand authentication information used in portable biometric realization card terminal processes platform sends portion according to mobile phone with credit settlement Mode is operated.

Next, the back of the hand authentication information used in portable biometric realization card terminal processes platform sends portion, in portable life Authentication result described hereinafter is exported in object certification terminal processes platform transmitting, organism authentication object information Nji is included in portion Certification judge information NHji (Bi, Ai, Sti, Mi).

Position correction value calculating part is operated with mobile phone in the case of credit settlement mode.Position correction value calculating part Read in temporary storage and obtained by the related information TEji that terminal side the back of the hand of store-memory the obtains terminal sides included Take the back of the hand authentication feature information TSji nail coupling part boundary information ANi.Moreover, reading center side logs in Ji organism spy Property information used in device center side log in Ji the back of the hand certification used in characteristic information RHji（The ANi that center side is logged, VPBCi）, these are compared, the deviation that angle is inserted when referring to during the insert port for stablizing handle is inserted is corrected, so as to calculate Draw correction value tmb.

Generate with the corrected intraveneous form correction maps of this correction value tmb as tbmVPi, and deposited in temporary storage Storage memory.In other words, exactly try to achieve stablize at handle insert two wooden sticks between insert port when with authentication service center Qi logs in the deviation between benchmark.

Intraveneous form coordination portion is operated according to mobile phone in a manner of organism authentication terminal credit settlement.

Try to achieve each ramification point of the intraveneous form correction map as tmaVPi（Vpa, Vpb etc.）, as intraveneous form characteristic Data VPBCi generates the polygonal that these ramification points connect to, in order to overlap similar ramification point and then generate overlap coefficient BPWFi。

Next, logged in reference to center side in the device 1 to help used in organism characteristic information by the center side of store-memory If the intraveneous form performance data VPBCi for logging in the characteristic information RHji used in Ji the back of the hand certification, the overlapping system of generation is utilized Number BPWFi changes the intraveneous form performance data VPBCi of login in center side, consistent so as to determine whether, this certification knot Fruit sends in authentication result sending part.Authentication result sending part is entered according to organism authentication terminal side in a manner of credit settlement Row operation.Authentication result sending part is coordinated in liquid-crystal apparatus and portable biometric realization card terminal processes platform output from intraveneous form The authentication result Mi that portion obtains.

Next, for authentication service center Qi, read by the phone number Bi of store-memory in temporary storage, it is raw Object certification terminal telephone number Ai and face-image Gai, using the days Time of Day of not shown calendar time as clothes Be engaged in usage time Sti, addition of these organism authentication object information Nji and sends message to authentication service center Qi.

Moreover, authentication result sending part is exported by organism authentication in the back of the hand authentication information sending part used in treatment bench The certification that object information Nji is included judges information NHji（Cell-phone telephone number Bi, organism authentication terminal telephone number Ai, clothes Be engaged in usage time Sti, authentication result Mi）.

Then center-side login Ji the back of the hand certification that center-side logs in Ji organism characteristic information equipment therefor 1 is directly deleted Characteristic information RHji.Safety is ensured with this.Log-on message sending part 0 used in phone authentication is recognized according to mobile phone in credit services Demonstrate,prove and operated under the occasion of information registration process.

Log-on message sending part used in phone authentication, related information TEji is obtained in terminal side the back of the hand of temporary storage In, as the days Time of Day that addition of not shown calendar time（Hereinafter referred to as login time ITi）Realized with biology Used in the central login for demonstrate,proving terminal telephone number Ai and cell-phone telephone number Bi and authentication service center Qi IP address etc. Acquisition Biont information TZji, at authentication service center Qi by internet send message.

Log-on message acceptance division is operated according to mobile phone in a manner of credit settlement.Receive authentication service center Qi center End logs in the characteristic information RHji used in Ji the back of the hand certification, and this is logged in into Ji organism characteristic information equipment therefor in center-side Logged in.

Authentication service center Qi sets interchanger and server.Interchanger stores physiology certification terminal telephone number Ai （A1,A2……）, the telephone number refers to being assigned to the number of the physiology certification terminal of authentication service center Qi administrations.Service Device set up telephone service portion, physiology authentication information acceptance division, member authentication portion, messages meant portion, connection switching part, life Authentication information communication portion is managed, hand back vein characteristic test section, biographic information generating unit, physiology authentication result acceptance division, is paid Take processing unit.

Furtherly, card number requirement portion should be also set up, card number passs on portion, salesman's code input promotion division, mail server, Card number require information generating unit etc..

In addition, member information database should be also set up, and face image internal memory, biographic information list, physiologic information login Database, physiology certification terminal information database, payment information list, card number require list etc..

In member information database, by phone number Bi, vein sample characteristics data VPBCi login time ITi（Days Day, the time）, addresses of items of mail, address（Country name, municipalities' name, area's name, number）, account number etc..In addition, addresses of items of mail, live Location, account number are preferably by document form（Record phone number Bi）Authentication service center is submitted to, is stepped on by operator Record.

In physiology certification terminal information database, by physiology certification terminal telephone number Ai, the IP of physiology certification terminal Location Di, the place of physiology certification terminal（Country name, Dou Daofu counties name, municipalities' name, area's name, number, building name, the number of plies, shop name）, Salesman's code tki in shop and the IP address of physiology certification terminal erecting bed（All turn into erecting bed address below）Etc. being associated Handle and store.

In face image internal memory, by phone number Bi, service utilizes time Sti（Date, time）, login time ITi, The physiology certification terminal telephone number Ai used, face image Gai during use, face image log in number Hui etc. and closed Connection is handled and stored.

Telephone number Bi, service are utilized time Sti, physiology certification terminal telephone number Ai, paid by payment information list Fei, number UBi is accepted, payment amount of money etc., which is associated, to be handled and store.

In physiologic information log database, by telephone number Bi, vein sample characteristics data VPBCi（The pixel of branch point Coordinate, Branch Angle, branch point number）, the physiology certification terminal telephone number Ai of the physiology certification terminal of login 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）Handle and store etc. being associated.Just log in and complete centered on these general names The back of the hand portion obtains related information RSji.

In addition, center side logs in and completes the back of the hand portion and obtain in management information RSji, by vein sample characteristics data VPBCi and Just logged in centered on the boundary line information ANi general names of nail coupling part and complete the back of the hand authentication feature information RHji.

In biographic information list, by phone number Bi columns, service utilizes time Sti column, physiology certification terminal telephone number Code Ai columns, authentication result Mi columns, face image during use log in number Hui columns, and characteristic is sent to situation REi columns and peace Platform address field etc. is filled to form.

Card number requires that card number requires mark fyi columns in list, phone number Bi columns, specifies fiduciary loan exabyte information CMji columns, card number receive information and complete mark fji columns, have good mark and pass on completion mark fti columns, accept number UBi columns, service utilizes Time Sti column, formed with meet an urgent need authentication result cfi columns etc. of card company.

The explanation in each portion

Telephone service portion, the call information Tji that input interchanger is sent（Physiology certification end telephone number Ai, cell-phone number Code Bi）, and this call information Tji is exported to member authentication portion and card number requirement portion etc..Moreover, input information sending part hair The speech information gone out, mobile phone is conveyed to by interchanger.

Furtherly, telephone service portion, fiduciary loan clearing state is being in because of mobile phone, is receiving the specified letter of mobile phone transmission During with exabyte Cni digital number, this credit agency name information CMji will be exported to card number requirement portion（Ai, Bi, Cni）, refer to Determine the Tji of call information phone number Bi, physiology certification terminal telephone number Ai and credit agency name Cni.

Physiology authentication information acceptance division, the phone credits service authentication that physiology certification terminal is sent is received every time and logs in inquiry Information Kri（Ai, Bi, logging status mark）When, can be by this output to member authentication portion, and judgement is received, evaluate to enjoy Phone credits service and whether the hand back vein sample that carries out can log in, and this result of determination sent whole to physiology certification End.

In addition, physiology authentication information receiving portion, when judging that it can be logged in, can receive during physiology certification terminal sends The heart logs in the physiologic information TZji got（Terminal side, which logs in, completes the back of the hand portion acquirement related information TMji, physiology certification terminal electricity Talk about number Ai, phone number Bi, login time ITi etc.）, logged in using this as center side and complete the back of the hand portion acquirement association information RSji, log in physiologic information log database.

Member authentication portion, query message is logged in when receiving the phone credits service authentication that physiology authentication information acceptance division sends Kri（Ai, Bi, logging status mark）When, meeting data searching data in member information database, including phone credits service are recognized Card logs in query message Kri phone number Bi etc..Then, if including its information, certification member in this data.Moreover, meeting Whether member authentication department, the call information Tji that meeting monitoring telephone service department sends export.

Then, if call information Tji is exported, it is determined as phone credits service state, and judges comprising this calling The membership information Ki of information Tji phone number etc. whether there is in member information database, if being determined as member in the presence of if.

In addition, by phone credits serving grant information Uji（Ai, Bi, license）Output is simple to physiology authentication information sending part Go through information generating unit, information sending part, connection switching part etc..

In this phone credits serving grant information in Uji, the phone number Bi including receive information can be exported, physiology is recognized Demonstrate,prove terminal telephone number Ai.

Information sending part, phone credits serving grant information Uji is exported every time（Ai, Bi, license）When, can be to telephone service Portion's output uses License Info.In addition, use objectionable information using can also export in the case of objectionable.

Connection switching part, the phone credits serving grant information Uji that member authentication portion is sent can be received, is sent by information Go out portion's submitting, and receive to represent credit agency name Cni digital number.

Moreover, when center side receives login completion the back of the hand authentication feature information RHji, mobile phone can be exported to telephone service portion Segment circuit instruction.As the phone credits serving grant information Uji for receiving member authentication portion and sending（Ai, Bi, license）When, Physiology authentication information sending part, the center side that the back of the hand portion blood vessel characteristic search part is sent can be received and log in completion the back of the hand certification Characteristic 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 for receiving member authentication portion and sending（Ai, Bi, license）When, the back of the hand portion blood Pipe characteristic search part, this phone credits serving grant information Uji will be included（Ai, Bi, license）Phone number Bi centers The information that Fang Denglu completes the back of the hand portion acquirement related information RSji and physiology certification terminal information database carries out contrast summary, so This center side is logged in the center side completed in the back of the hand portion acquirement related information RSji afterwards and logs in completion the back of the hand authentication feature information RHji is exported to physiology authentication information sending part.

Every time during output phone credits serving grant information Uji, biographic information generating unit will be in biographic information list Generation by phone number column, services as depicted and utilizes time fences, physiology certification terminal telephone number column, authentication result column, Physiology certification IP address of terminal column, face image during use log in number column, and characteristic sends situation column, erecting bed address The data of the compositions such as column.Moreover, it should then be stored in the column if input information.When the back of the hand portion for receiving physiology certification terminal and sending The physiology authentication result information Nji of vein sample（Mi, Gai, Ai, Bi ... ...）When, physiology authentication result acceptance division can be by this It is stored in face image internal memory, wherein including this physiology authentication result information Nji face image Gai, can additionally adds Service utilizes time Sti and telephone number Bi and physiology certification terminal telephone number Ai etc..Meanwhile it is included in physiology certification Authentication result Mi and telephone number Bi in object information Nji are exported to card number requirement portion.

In addition, be included in physiology authentication result information Nji physiology certification terminal telephone number Ai, telephone number Bi, Authentication result Mi（OK）And service is exported to biographic information generating unit using time Sti, is stored in biographic information list.

In addition, face image login number Hui is exported to biographic information generating unit, biographic information list is stored in.

Payment processing unit, at regular intervals（Such as 20 days）, it can retrieve card number requirement list 4, and by these data In card number transfer complete mark column in mark the data of completion to be all transferred to storage.Then, will be transferred to the data of storage by Reason number UBi, phone number Bi, physiology certification terminal telephone number Ai, service are filled into payment information guide look using time Sti In table.

Then, the registered permanent residence number of the phone number Bi in this data is exported by member authentication portion, and passes through industrial siding The cost of use of this account information is asked on road（Physiology certification terminal place name and each cost of use）.

Card number requirement portion, specified credit agency's name information CMji that telephone service portion is sent is received every time（Cni, Bi）Shi Jiang Random digit is generated by random number generator, using this distinctive data as accepting number UBi, and had a guide look of in biographic information Data of the search with phone number Bi in table.

Then, using the service of this data by the use of time Sti and accept number UBi and phone number Bi as credit card by Manage information CUji（UBi, Bi, Sti）Exported to card number require information generating unit.

Then, as the physiology authentication result information Nji that physiology authentication result acceptance division is sent（Include Bi, Ai, Gai）Recognize When demonstrate,proving result Mi displays using license, by the data with the phone number Bi being incorporated herein in physiology authentication result information Nji Require that list is contrasted with card number by card number require information generating unit.

Then, by the credit agency title Cni in this data, phone number Bi, accept number UBi, service utilize the time Sti is delivered letters as card number require information CYji by the delivery server 80 of mechanism of credit agency to credit agency Pi.

Card number forwarding portion, the card number in card number requirement portion is required into information CYji（Cni, Bi, UBi, Sti）It is sent to credit public affairs After taking charge of Pi, card number Cki, phone number Bi and accept number UBi that reception credit agency Pi is sent（Collectively referred to as credit number is believed Cease Cji）, and by this credit card number information Cji（Cki, Bi, UBi）Card number Cki be converted into two-dimensional bar data.

Then, member authentication portion can export the addresses of items of mail associated with this phone number Bi, then by this addresses of items of mail With two-dimensional bar data output to mail server.

Now, card number forwarding portion collects mail to card number require information generating unit output card number and completes label information Fji（Including hand Machine number Bi, number UBi is accepted, card number, which is collected mail, completes mark）.

Mail server, the two-dimensional bar data output that card number forwarding portion is sent to the mobile phone for sending addresses of items of mail. Then, label information Ftji is completed to the output card number forwarding of card number require information generating unit（Including Bi, UBi）, show to hand Machine forwards two-dimensional bar data（Credit card number information Cji）.Receiving the credit card that card number requirement portion is sent accepts information every time CUji（UBi, Bi, Sti）When, card number require information generating unit, generation it can require to mark by card number in card number requires list Column, phone number column, credit agency's denominational is specified, card number receive information completes mark column, and mark column is completed in card number forwarding, by Number column is managed, service utilizes the data of the compositions such as time fences, salesman's code column, card company temporary authentication result bar.

In addition, credit card is accepted into information CUji（UBi, Bi, Sti）The number UBi that accepts be stored in and accept in column, by hand Machine number Bi is stored in phone number column.Then, data of the retrieval with phone number Bi in list, bag are required in card number It is contained in specified credit agency's name information CMji that card number requirement portion is sent.Then the credit agency's title specified in this data Specified credit agency's name information CMji credit agency title Cni is filled in column.

In addition, when receiving the card number that card number requirement portion sends and finishing receiving label information Ftji, card number require information is made Into portion, phone number Bi in label information Ftji will be finished receiving, accept number UBi data with being incorporated herein card number, With card number require list contrasted, card number finish receiving mark column in fill in card number finish receiving mark fji.

Furtherly, when label information is completed in the card number forwarding that server sends that gets the mail of card number require information generating unit Ftji（Including Bi, UBi）When, phone number Bi in label information Fji, the number of accepting will be finished receiving with being incorporated herein card number Code UBi data, require that list is contrasted with card number, forward completion mark column to fill in card number forwarding in card number and complete mark Note.

Salesman's code inputs promotion division, and the card number Cki that credit agency Pi is sent is converted into two-dimensional strip in card number forwarding portion After code data is sent to mobile phone, judge whether consistent announcement information is sent, the information is checking credit agency Pi The information KNji for verifying whether number is consistent sent to card number Cki（Bi, cki, UBi, consistent mark）.

When unanimously whether information KNji is sent to, and contains consistent mark in this whether consistent information KNji, then it is determined as Temporarily using license.

Then, the erecting bed address in biographic information list is read, and by internet, will be judged temporarily using license Information KEji is sent to this address.Whether consistent information KNji is included in above-mentioned biographic information list（Bi, cki, UBi, one Cause）In accept number UBi, phone number Bi.

Furtherly, salesman's code input promotion division, portable physiological certification terminal erecting bed is received by internet and sent out The salesman's confirmation TSCji gone out（Tki, Sti, Ai, Bi, Mi, temporary card certification OK mark, UBi）, pass through credit industrial siding While road network is sent to credit agency Pi, require to fill in salesman's code in list in card number.

In addition, center side, which logs in, completes the back of the hand portion acquirement 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, hand Back image Hdi, ROI image Hri, vein sample VPi ...）It is considered as under the service centre Qi of login authentication server conditions Illustrate.Moreover, the explanation that relevant biographic information is made can omit a part.

Such as the member of commodity is bought with credit card in shop, dial physiology certification terminal telephone number Ai, the phone Number is displayed on the liquid crystal display of the physiology certification terminal in the shop for setting physiology certification terminal.

Call information is sent from there through portable electric phone network（Physiology certification terminal telephone number Ai, phone number Bi）Extremely Authentication service center Qi interchanger.

When breathing out the logins of the physiology certification terminal telephone number Ai in information, interchanger will directly give response.

In addition, interchanger 0 will be additional to the physiology certification terminal telephone number Ai of reception phone number Bi as incoming call Information, export to telephone service portion.

Telephone service portion, by call-in message Tji（Physiology certification terminal telephone number Ai and phone number Bi）It is sent to Member authentication portion.

Member authentication portion, accept the call-in message Tji that telephone service portion is sent（Ai and Bi）, member is carried out by following explanation Certification.

Processing about member authentication portion, the processing about logging status will omit.

Member authentication portion, judges whether telephone service portion receives call-in message Tji（Ai、Bi）（S1）.

When receiving call-in message Tji, it is determined as phone credits service state, this call-in message Tji is temporarily stored in not Have in the internal memory of diagram（S2）.

Then, judge whether membership information Ki signs in member information database（S3）, above-mentioned membership information includes incoming call Information Tji physiology certification terminal telephone number Ai and phone number Bi.

Next, if membership information has logged in, it is determined as member（S4）.Moreover, when judging member, exported to each portion Phone credits serving grant information Uji（Marked including the use of license, Bi, Ai）（S5）.

Next, when phone credits serving grant information is output, information sending part by the selection information of credit agency, Mobile phone is sent to by interchanger by telephone service portion.（S8）

For example, send similar " member's certification.Please in credit agency title Cni 1 ~ No. 9 selection.No. 1 is so-and-so credit Company, No. 2 are so-and-so credit agencies ... " as information.

Next.

The owner of the mobile phone of this information is received, selects the credit agency name Cni number used, and this number is sent To the authentication service center Qi of cellular network.Telephone service portion receives this credit agency title Cni by interchanger, and by its company Title Cni and above-mentioned call-in message Tji is associated processing, is temporarily stored in internal memory.Telephone service portion is by this internal memory Information is as specified credit agency name information CMji（Ai, Bi, Cni）Export to card number requirement portion.

Next, it is determined whether completing, step is then returned in the case of not completing（S1）.

In addition, in step（S3）In, when member authentication portion is not determined as that member logs in, by output phone authentication service profit With information NUji is disapproved to information sending part, step (S8) is gone to（S9）.

On the other hand, card number require information generating unit receives the credit card that card number requirement portion is sent and accepts information CUji every time （UBi, Bi, Sti）When, it will require to generate the card number require information of described above on list 4 in card number.

Next, member authentication portion exports the phone credits serving grant information Uji of member every time（Ai, Bi, license）When, The back of the hand portion blood vessel characteristic search part, the acquirement of completion the back of the hand portion will be logged in retrieval center side in physiologic information log database Related information RSji, this center side log in completion the back of the hand portion acquirement related information RSji and carry phone credits serving grant information Phone number Bi in Uji.

In addition, extraction, which is incorporated herein center side, logs in the vein sample characteristics completed in the back of the hand portion acquirement related information RSji Data VPBCi, and nail coupling part boundary line information ANi, this is logged in as center side and completes the back of the hand authentication feature letter RHji is ceased, is exported to physiology authentication information sending part.

Next, physiology authentication information sending part, center side is logged in and completes the back of the hand authentication feature information RHji（Nail connects Socket part partial image LHi and nail coupling part boundary line information ANi）The IP address of physiology certification terminal is sent to via internet Di。

At this moment, biographic information is generated.That is, biographic information generating unit contrasts data, this data contains physiology certification The center side that information sending part is sent logs in the phone number Bi for completing the back of the hand authentication feature information RHji, as illustrated, herein Physiology certification terminal telephone number is stored at the column of data, and stores transmission state.

In addition, the cut-out of connection switching part and the connection of mobile phone.

In addition, work as phone credits serving grant information Uji（Bi, UBi, license）When being output, biographic information generating unit is then Generate biographic information.

That is, when phone credits serving grant information Uji is output every time, biographic information generating unit is then believed in resume Phone number column as depicted is generated in breath list, uses handling time column, physiology certification terminal telephone number column, certification Result bar, physiology certification IP address of terminal column, face image during use log in number column, and characteristic sends status bar, peace Fill the data of the compositions such as platform address field.

Then, it is included in phone credits serving grant information Uji（Bi, UBi, license）In phone number Bi be stored in Phone number column, and physiology certification terminal telephone number Ai is stored in physiology certification terminal telephone number column.

On the other hand, the log-on message acceptance division of physiology certification terminal, the center side that authentication service center Qi is sent is received Log in and complete the back of the hand authentication feature information RHji（ANi, VPBCi ...）.Then, this is signed in into center side and logs in completion physiology Characteristic information internal memory, physiology certification terminal will carry out the back of the hand portion authentication processing according to following explanation.Then, physiology certification terminal 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

To carry out the back of the hand portion's certification, the insert port that the middle finger of hand is inserted to stable handle is authenticated member.Member is by hand Refer to the finger insertion part that interlude is stabilized between two inductive rods of handle, then, be further inserted into certification.Thus stabilizing handle will After move, so shooting finger microswitch can reach opening.

Then, middle finger can be surrounded by ellipse, reach the state further pressed.Then, the back of the hand is lifted, makes shooting hand The microswitch of the back of the body reaches opening.Instruction unit is driven, starts when the microswitch for shooting finger reaches opening and refers to First coupling part image acquiring section.

As the microswitch of shooting finger reaches opening, nail coupling part image acquiring section will be to shooting hand The digital camera of finger sends shutter signal, carries out nail coupling part boundary line information ANi calculating（S）.

Nail coupling part boundary line information ANi calculating, nail coupling part image LHi is obtained, and this is deposited temporarily It is stored in stored memory.In addition, nail coupling part image acquiring section, extracts first curve from the image of nail coupling part Laai（Middle finger and the third finger）First curve image LGa of image and the Article 2 curve image of second curve Lbbi image LGb.Bone processing is implemented to this curve image, draws first curve for defining first curve image LGa with line segment Laai, while draw second day curve Lbbi for defining Article 2 curve image LGb with line segment.

Then, by first curve Laai（Laa1, Laa2）Pixel coordinate A, the B at both ends and focus C each pixel Coordinate and first boundary line Laa1, Laa2 angulation θ 1 are used as first curve field sample, are stored in and deposit temporarily Store up in internal memory.

In addition, by Article 2 curve Lbbi（Lbb1, Lbb2）Pixel coordinate A, the B at both ends and focus C each pixel Coordinate, and Article 2 boundary line Lbb1, Lbb2 angulation θ 2 are stored in and deposited temporarily as Article 2 curve field sample Store up in internal memory.Here first and second day curve field sample are exactly nail coupling part boundary line information ANi.

Next, the back of the hand portion image that the back of the hand portion ROI image obtaining section is obtained at the digital camera of shooting the back of the hand Hdi, store in interim storage internal memory, at the same time, by this back of the hand portion image Hdi in order to be authenticated necessary vein Sample portion is set to ROI fields（S201）.

The regulation in this ROI field is remarked additionally.

In order to extract the ROI image Hri of vein sample integrated distribution, it is necessary to know correct ROI positions.However, due to The error of eyeglass and camera model installation site, how much ROI position can be somewhat different in the image of each camera.So will Algorithm is detected according to following ROI automatically, draws correct ROI positions.

First, in ROI image Hri extraction process, draw and form the back of the hand digital original image（Hdi）Full picture element, Brightness degree on transverse axis（From 0 to 255）Shading value, on the longitudinal axis its shading value full picture element, generate histogram.

Next, with P- carvel builts, the minimum value T of the shading value of ROI field and background boundaries is calculated from histogram.Though Position can all may be deviated when so the ROI fields of shooting vein sample are photographed every time, but shared in the Hdi entirety shot Area ratio be certain.

So when the ratio for understanding fully the area shared by objects in images thing, histogram is calculated with P- carvel builts The P% points of its area ratio are as minimum value T.Except P- carvel builts, can also use pattern method, detect the minimum of histogram Point.

Then, the picture element of more than minimum value T shading value is extracted, draws ROI fields.

Next, in order that the border in this ROI fields image protrusion ROI field, carries out horizontal filtration treatment, extracts ROI Image Hri（（S202）, it is stored in interim storage internal memory（S203）.

In addition, ROI image Hri refers to the key areas of Hand Vein Image medium sized vein sample integrated distribution（ROI：Region Of Interest）.

Next, vein sample characteristics data generating section extraction ROI image Hri relatively large big vein sample SPi And tiny thin vein sample ZPi, and synthesized, this blood vessel is synthesized into the values of sample Gpi 2, impurity is removed, draws quiet Arteries and veins sample VPi, is stored in interim storage internal memory（S204）.

Next, vein sample characteristics data generating section draws vein sample VPi each branch point Vi, by these branches Point integrates generation polygon, using this polygon as vein sample characteristics data VPBCi, is stored in interim storage internal memory （S）.In addition, vein sample characteristics data VPBCi includes Branch Angle, branch's number, the pixel coordinate of branch point.

Next, position compensating value calculating section carries out once correction and secondary correction（S206）.Once make corrections, read storage Stepped in the center side that part boundary line information ANi and authentication service center Qi send that continues of the nail in interim storage internal memory The center side that physiological characteristic information internal memory is completed in record logs in and completes the back of the hand authentication feature information RHji nail and continue segment boundary Line information ANi, and integrated.

Then, by first parameter of curve in the boundary line information ANi of nail coupling part（Nameless and middle finger）Friendship Point C, with the second bending field parameter（Forefinger and middle finger）Intersection point C ' be combined, draw straight line r1, at the same time, will First in the boundary line information ANi of nail coupling part logs in the intersection point C for completing parameter of curve, and it is bent to log in completion with Article 2 The intersection point C ' of line parameter is combined, and draws Article 2 straight line r2.

Then, Article 2 straight line r2 and straight line r1 relative angle is obtained, and using this as first correction angle Degree mai is stored in interim storage internal memory.

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 The terminal side obtained for terminal side the back of the hand portion in related information TEji obtains the back of the hand portion authentication feature information TSji first song Angle in the parameter of line field.First completed in the back of the hand authentication feature information RHji is just logged in centered on angle, θ 1 ' to have logged in Angle in the parameter of full field.

Furtherly, the angle, θ 2 and second second bent in the parameter of field logs in the angle completed in the parameter of bending field θ 2 ' relative angle is spent, angle is obtained as third phase.This second relative angle is incited somebody to action the difference of angle with third phase, as Second of correction angle, θ wa is stored in interim storage internal memory.

Then, in first time correction angle mai, correction vein sample VPi vein sample characteristics data VPBCi, then This is maked corrections in second of correction angle, and bears the vein sample correction image after correction（mVPi）, and be stored in In interim storage internal memory.

Next, vein sample matches portion carries out matching treatment（S）.

Obtain vein sample correction image（mVPi）Each branch point（Vpa、Vpb……）, and this branch point is combined Into polygon, generated its polygon as vein sample characteristics data VPBCi, then further generated similar point Fulcrum is piled up the emphasis breadth coefficient BPWFi drawn.

Then, with emphasis breadth coefficient BPWFi, vein sample characteristics data VPBCi and the center of this polygon are judged Whether the vein sample characteristics data VPBCi that Fang Denglu completes to store in physiological characteristic information internal memory is consistent（Authentication result Mi）, And using this as authentication result, export to authentication result sending part（S）.

The authentication result Mi that authentication result sending part sends the vein sample matches portion received, is exported to liquid crystal display Device, and portable physiological certification terminal erecting bed（S209）.Next, authentication result sending part directly deletes the login of center side Complete the center side in physiological characteristic information internal memory and log in completion the back of the hand authentication feature information RHji（S）.

Next, authentication result sending part integrates the phone number Bi being stored in interim storage internal memory, physiology certification end Telephone number Ai and face image Gai is held, the days Time of Day of not shown calendar chronograph will be added（When service utilizes Between Sti）Physiology authentication result information Nji send to authentication service center Qi（S211）.

Next, the certification in physiology authentication result information Nji is judged information NHji by authentication result sending part（Cell-phone number Code Bi, physiology certification terminal telephone number Ai, service utilize time Sti, authentication result Mi）Output is whole to portable physiological certification Hold erecting bed.

When the certification in physiology authentication result information Nji judges information NHji authentication result Mi displays using license, The notification unit in person of portable physiological certification terminal erecting bed, will show " in person " on erecting bed liquid crystal display.

Then, salesman's confirmation notification unit starts two-dimensional bar reader and card reader.

On the other hand, when authentication service center Qi server physiology authentication result acceptance division, receive physiology certification end Hold the physiology authentication result information Nji of the back of the hand portion vein sample sent（Authentication result Mi, face image Gai, physiology certification are whole Hold telephone number Ai, phone number Bi ...）When, the face image Gai in this physiology authentication result information Nji is stored in face In portion's image memory.

At this moment, physiology authentication result acceptance division by the service in additional physiological authentication result information Nji using time Sti, Physiology certification terminal telephone number Ai, phone number Bi etc. are stored.

In addition, by physiology certification terminal telephone number Ai, authentication result Mi in physiology authentication result information Nji（OK）、 Service is exported to biographic information generating unit using time Sti and physiology certification terminal telephone number Ai, and is stored in resume letter Cease in list.Then, face image login number Hui is exported to biographic information generating unit, and is stored in biographic information one Look in table.

Next, the card number require information generating unit of the server as authentication service center Qi, receives physiology authentication result The physiology authentication result information Nji that acceptance division is sent（Including Bi, Mi, Gai, Ai）Authentication result Mi display using license when, This authentication result will be stored in card number requirement list by card number require information generating unit.

Then, as the physiology authentication result information Nji that physiology authentication result acceptance division is sent（Including Bi, Ai, Gai）Recognize When demonstrate,proving result Mi displays using license, the card number requirement portion of authentication service center Qi server, given birth to by card number require information Its data is required that list is contrasted with card number into portion, this data carries the cell-phone number in physiology authentication result information Nji Code Bi.Then, the credit agency title Cni and phone number Bi of this data utilizes time Sti with number UBi and service is accepted, Card number require information CYji will be used as, credit agency Pi service is sent to by the sending server of mechanism of credit agency Device.This is also referred to as card number requirement processing.

Credit agency Pi server receives card number require information CYji（Cni、Bi、UBi、Sti）, in internal memory（Do not scheme Show）Middle retrieval carries the card membership information KKji of the phone number in this card number require information CYji.Then, it is special by credit Line network, credit card number information Cji is sent to authentication service center Qi, credit number of its information in card membership information KKji Outside, the phone number Bihe that can also add in the card number require information CYji received accepts number UBi.

The above-mentioned card membership information KKji being stored in internal memory, by phone number Bi, credit number, checking number, can Formed with the amount of money used, the time limit that can be used etc..

The card number forwarding portion of authentication service center Qi server receives credit card number information Cji（Card number Cki, cell-phone number Code Bi, accept number UBi）, and this credit card number information Cji card number Cki is converted into two-dimensional bar data.

Then, card number forwarding portion makes member authentication portion export the addresses of items of mail associated with this phone number Bi, and by postal Part address and two-dimensional bar data output are to postal service device.The two-dimensional bar that mail server sends card number forwarding portion Data are sent to the mobile phone of addresses of items of mail.This is also referred to as card number forward process.

This relevant card number requirement processing, card number forward process will be explained below.

On the one hand, user overlays on two-dimensional bar shown on mobile phone picture on two-dimensional bar reader.Two Tie up barcode reader and read two-dimensional bar, understood and exported to card reader.Card reader is by the solution of this two-dimensional bar The card number Cki for reading result is temporarily stored in internal memory.

In addition, salesman operates the keyboard of card reader, input amount, payment times etc..These will be stored in internal memory In.

Then, the input mode of user's operator password checking number（Keyboard terminal）Password is inputted, carries out card clearing.This Password is exported to card reader by cipher inputting keyboard.

Next, card reader requires amount, payment times, password, card number Cki, client code etc. as clearing Information CKji, sent by credit leased line network to credit agency Pi.

On the other hand, credit agency Pi server receives card clearing require information CKji, and retrieval will with this card clearing Seek the card membership information KKji of the card number Cki in information CKji, and judge the password in the card membership information KKji that retrieves and Whether the password in card clearing require information CKji is consistent, carries out temporary card authentication processing.

Then, credit agency Pi server, by this whether consistent information KNji（Including UBi, Bi）Send to certification Service centre Qi.

Authentication service center Qi salesman's code input promotion division, whether receive password authentification that credit agency Pi sends Consistent information KNji（Bi, cki, UBi, consistent mark）If, judge whether comprising consistent mark, when comprising when be then determined as It is interim to use license.In addition, when not comprising consistent mark, then it is determined as that use disapproves.Then, using this result of determination as It is interim to judge information KEji using license, sent by internet 20 to portable physiological certification terminal erecting bed.

At this moment, the erecting bed address in biographic information list data is read, and above- mentioned information is sent to this address.On State biographic information list and contain whether consistent information KNji（Bi, cki, UBi, use can not be marked or marked using license） Accept number UBi and phone number Bi.

Whether consistent the notification unit in person of portable physiological certification terminal erecting bed, reception authentication service center Qi send Information KNji（Bi, cki, UBi, marked using disapproving or marked using license）.If being marked comprising use license, Temporary authentication OK is shown on the LCDs e of erecting bed, if then showing that use mustn't using mark is disapproved Can.

On the other hand, when showing temporary authentication OK on erecting bed liquid crystal display, salesman blocks the salesman carried with TGi salesman's code tki one-dimensional bar code（Two-dimensional bar also may be used）It is read out 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 shown on the liquid crystal display of erecting bed by my notification unit.Then, salesman confirms erecting bed liquid crystal display Display content on device, press the acknowledgement key on function keyboard.

With confirming to complete, salesman's code tki and physiology certification terminal telephone number Ai and confirmation flag will be stored in In internal memory.Then, salesman's confirmation notification unit will send salesman's authentication information TSCji to authentication service center Qi, including Pressing the salesman's code tki for being stored in internal memory, physiology certification termination number Ai and servicing for adjoint acknowledgement key utilizes time Sti （Date, time, week）（d61）.Authentication service center Qi salesman's code promotion division, portable life is received by internet Salesman's confirmation TSCji that reason certification terminal erecting bed is sent（Salesman's code tki, certification judge information NHji（Bi、Ai、 OK）、Sti）, and this is sent to credit agency Pi, at the same time, salesman's code is filled in card number requires list, and will This salesman's confirmation TSCji is sent to credit agency Pi by credit leased line network.

Credit agency Pi reception shop server person confirmation TSCji, this certification is carried out, and result is sent to Card Reader Device.Useful life associated with card number, service limits volume in this certification judgement credit settlement information KCji etc..

When this certification that credit agency sends result display using license when, card reader can issue be printed on amount, The detailed book of the contents such as date, shop title, payment times.

Next, the payment processing unit of authentication service center Qi server judges that card number requires the regulation phase in list Whether limit is overtime.If exceeding the prescribed time-limit, data all integration that mark is completed in card number forwarding are will fill in, cost of use is sent To credit agency, request is paid.

Next, credit agency can propose the request paid in certain time limit to the account of user.

Card number requirement processing, the explanation of card number forward process

In the present note, set card number require list table in accepted number UBi, card number finishes receiving mark, hand Machine number Bi, card number requirement are labeled as having filled in.Moreover, authentication result Mi, which also sets display, uses license.

The card number requirement portion of authentication service center Qi server judges that card number requires to whether there is in list and is provided with card Number require mark fyi data fri（S31）.

Step（S31）In, judge to be provided with the presence of the data fri that card number requires mark fyi, then judge in this data fri With the presence or absence of authentication result Mi（S33）.

Step（S33）In, in the presence of judging authentication result Mi, then determine whether that display uses license（Certification OK）（S）.Step Suddenly（S）In, when evaluating certification OK, card number require information CYji will be transmitted service by card number requirement portion by mechanism of credit agency Device 80, send to the credit agency, including card number and require the data fri of list 4 phone number Bi and credit agency's title Cni and service utilize time Sti etc.（S37）.

The server of credit agency（Do not illustrate）In advance by the credit number of member, password, certificate address information, account information In phone number Bi etc. be associated processing, and stored in internal memory.When the card number requirement for receiving authentication service center and sending Information CYji（Including Bi, UBi）When, credit card number information Cji is sent to authentication service center Qi, including addition of card number and want Seek the contents such as information CYji phone number Bi, the card number associated with phone number for accepting number UBi.

Then, card number transfering department determines whether to receive the credit card number information Cji that credit agency sends（S39）.

Step（S39）In, when receiving credit card number information Cji, then the card number that will be included in this credit card number information Cji Cki is converted to two-dimensional bar（S41）.

Then, member authentication portion exports the addresses of items of mail associated with this phone number Bi, by this addresses of items of mail and two dimension Bar code data is exported to mail server（S43）.At this moment, card number is finished receiving label information Fji by card number forwarding portion（Including Phone number Bi, accept number UBi）Export to card number require information generating unit.

Next, starting mail server, the card number Cki of two-dimensional bar is forwarded to mobile phone（S）.At this moment, deliver letters Content preferably includes the instruction as deleted two-dimensional bar data after 2 minutes.

Next, card number is forwarded completion mark to insert card number requirement by mail server by card number require information generating unit In list 4（S47）.

In addition, step（S39）In, when not receiving credit card number information Cji, start mail server, transmission can not Receive card number Cki information, end processing（S49）.

The processing of above-mentioned portable physiological certification terminal erecting bed will be remarked additionally by following flow road.

My notification unit of portable physiological certification terminal erecting bed monitors whether that receiving certification judges information NHji（Bi、 OK）（S51）.

Step（S10）In, judgement receives certification and judges information NHji（Bi、OK）When, then judge that certification judges information NHji In authentication result Mi whether show OK（S52）.

Step（S52）In, when authentication result shows OK, this is temporarily stored in internal memory（S53）.

Then, will be shown " in person " on erecting bed liquid crystal display（S54）.

Next, my notification unit judges whether to receive the temporary authentication OK that service for checking credentials center Qi is sent（S55）.Step （S55）In, when receiving temporary authentication OK, erecting bed liquid crystal display can show credit agency side temporary authentication OK information （S56）.Accordingly, salesman can then feel at ease to input salesman's code that salesman side notifies my certification.

Then, my notification unit shows " asking salesman to press acknowledgement key ", " please in one-dimensional bar on erecting bed liquid crystal display Code reader input salesman's code tki " information（S57）.

Next, salesman's code reading part determines whether to input salesman's code by one-dimensional bar code reader（S58）.

Following step again（S18）In, when having inputted salesman's code, salesman's code reading part will be in erecting bed liquid crystal Show and this salesman's code tki is shown on device（S59）.

On the other hand, what salesman's confirmation notification unit received that salesman's code tki that my notification unit is sent shown disappears Breath, then determine whether input validation key by erecting bed keyboard portions（S60）.Step（S60）In, when judgement acknowledgement key has been pressed When, then start two-dimensional bar reader, card reader（S61）.

Then, salesman's confirmation notification unit, the credit number that will be read by internet in two-dimensional bar reader Information Cji（Including card number, Bi, Ai, UBi）And salesman's code tki in internal memory, the salesman's confirmation for being incorporated into confirmation TSCji, send to authentication service center Qi（S62）.

In addition, in step（In S55）, when receiving the temporary authentication NG that authentication service center Qi is sent, over the display Display use disapproves, termination（S63）.

In addition, each portion of server is used in the authentication service center Qi of above-mentioned embodiment, using respectively using several The cloud body system of server can also.

Certainly, described above is only presently preferred embodiments of the present invention, and the present invention is not limited to enumerate above-described embodiment, should When explanation, any those skilled in the art are all equivalent substitutes for being made, bright under the teaching of this specification Aobvious variant, all falls within the essential scope of this specification, ought to be protected by the present invention.

Claims (6)

1. a kind of credit card payment method using organism authentication terminal, it includes：Shop terminal, certification credit number Server, the mobile phone at offer center, shop terminal, server and mobile phone are connected to network；Shop terminal includes The credit card payment terminal that is connected with Quick Response Code code reader and Password Input terminal, shop salesman input the shop of salesman's coding Member's coding input means, the operating desk equipped with organism authentication terminal；The server is according to the certification of organism authentication terminal As a result, credit card number is sent to the mobile phone；

The certification credit number provides center and is additionally provided with interchanger, and interchanger is connected with the server communication, interchanger Organism authentication terminal telephone number is set, organism authentication terminal telephone number is shown in the organism authentication terminal；

The server that the certification credit number provides center possesses following storage means：

The first storage means：Record the living body feature information of every member's privileged site and the phone number of the member is made Centered on register after living body feature information, this living body feature information and the mobile E-mail address of the member are connected Stored as member's living body feature information；

Second of storage means：Storage include the phone number, credit number, remaining sum, using time limit, the letter of password With card membership information；

The organism authentication terminal is equipped with the third storage means；

The organism authentication terminal receives the living body feature information after the registration of the center that the server is sent, and stores In the third storage means；

The living body feature information of user's privileged site is read in by optics, compares this living body feature information and is stored in institute Living body feature information after the center in the third storage means is registered is stated, is authenticated with this；

By authentication result with member's phone number after the registration of center in living body feature information, the life being previously set Object certification terminal telephone number sends jointly to the server；

The server possesses the 4th kind of storage means of storage credit card payment information；

The server receives the credit card payment information sent by the credit card payment terminal, is stored in described 4th kind and deposits In storage means；

The Quick Response Code code reader is read in the Quick Response Code on the mobile phone picture by optics and understood, the institute that will be interpreted Credit number is stated to be exported by the credit card payment terminal；

The credit card payment terminal sends credit card payment information to the server, and the information includes being swept by the Quick Response Code The code device credit card number interpreted, the password that is inputted by user in the Password Input terminal, the salesman are grasping Make amount and the use date inputted on keyboard；

When the server shows that credit card can utilize, the credit card payment terminal sends containing the amount, made With date, the detail list of shop name；

Living body feature information is registered by intraveneous form characteristic in the center being stored in the server the first storage means Formed according to finger edge reference information；The member inserts middle finger in two axles of stable handle, shoots the back of the hand data shadow Picture, find out the vein crossings point in shooting the back of the hand image data in advance and connect, obtain benchmark polygonal, this benchmark polygonal is just It is one kind of intraveneous form characteristic；Finger edge reference information contains two reference edge lines, in the back of the hand image data in It is first reference edge line to refer to nameless bent portion, and the bent portion of middle finger and forefinger is Article 2 reference edge Line；

The organism authentication terminal is to obtain the palm authentication terminal for referring to portion's digitized video and palm digitized video；By middle finger Insert among two axle, shooting middle finger, forefinger, the nameless join domain with the back of the hand are that turn of bilge region can obtain finger portion number Word image, shoot described the back of the hand and obtain the back of the hand image data；

The server further provided with temporary storage, photographic image storage unit, ROI Extraction of Image portion, position finishing portion, vein Form comparing part；Finger portion image data and the back of the hand image data are stored in the temporary storage by photographic image storage unit； ROI Extraction of Image portion will authenticate necessary intraveneous form extracting section in the back of the hand image data and come out, and form ROI images, carry Take and synthesize thick intraveneous form and the thin vein form in ROI images, generate and this vein synthesized form is subjected to binary conversion treatment And remove the intraveneous form after impurity treatment；

Position finishing portion has following means：

Finger edge Extraction of Image means：In finger portion digitized video, by the first bending area and second of buckled zone Domain comes out as finger edge Extraction of Image；

Edge line obtains means：The first bending area implementation framework described in the finger edge image is handled, in obtaining It is first edge line and the marginal portion of middle finger and forefinger i.e. Article 2 edge line to refer to nameless marginal portion；

First angle correction tries to achieve means：The intersection point and be included in Article 2 side that connection is included in first edge line Intersection point in edge line obtains straight line, and intersection point of the connection included in first reference edge line is with being included in second Intersection point in bar reference edge line obtains Article 2 straight line, and the relative angle for calculating two straight lines is first relative angle, and In this, as first angle correction；

Second angle correction tries to achieve means：Compare opening for first edge line included in the finger edge image The reference opening amount of degree and first reference edge line included in the finger edge reference information, calculates relative angle Degree, and in this, as second relative angle；Compare the Article 2 edge line included in the finger edge image Aperture and the reference opening amount of the Article 2 reference edge line included in the finger edge reference information, calculate relative Angle, and in this, as the 3rd relative angle；Calculate the average value conduct of second relative angle and the 3rd relative angle Second angle correction；

Intraveneous form amendment video generation means：First angle correction and second of angle correction amendment institute are utilized successively Intraveneous form is stated, generates intraveneous form amendment image；

The intraveneous form comparing part has following means：

Consistency checking means：Find out each crosspoint in the intraveneous form amendment image, connect these crosspoints formed it is more It is angular, compare the polygonal and whether the benchmark polygonal in the intraveneous form characteristic is consistent；

Result of determination display means：Result of determination is included on the display of the organism authentication terminal.

2. credit card payment method according to claim 1, it is characterised in that above-mentioned credit card payment method includes：

Step 1：The phone number is contained in the information that the interchanger receives, is examined from the first described storage means Rope includes member's living body feature information of the phone number, will be associated with this member's living body feature information Living body feature information sends jointly to the organism authentication terminal with the information that receives after the center registration；

Step 2：The certification for receiving the user's privileged site living body feature information sent from the organism authentication terminal is sentenced Determine information；

Step 3：The certification judges to contain the phone number in information, retrieves and wrap from second of storage means The credit card member information containing the phone number；

Step 4：Credit number in the credit card member information being retrieved is converted into Quick Response Code；

Step 5：The addresses of items of mail is included in the member's organism information retrieved, by this address by the Quick Response Code Send the mobile phone to；

Step 6：Receive the credit card payment solicited message that the credit card payment terminal is sent, judge that this credit card payment please Ask the password included in information and the password that is included in the credit card member information whether consistent；

Step 7：When judged result is consistent, judgement can utilize, and sent to the shop terminal and make the salesman defeated Enter the information of salesman's coding；

Step 8：Send after allowing the salesman to input the information of salesman's coding, receive the bag sent by the shop terminal Salesman's confirmation of the coding containing the salesman；

Step 9：While receiving salesman's confirmation, search is stored in the credit card in second of storage means Membership information, credit number more therein, using the amount of money, using the time limit with believing included in credit card payment request Credit number, amount in breath, use date, this certification is carried out by comparing, authentication result is sent to the credit Card settlement terminal；

It is mounted with that the organism authentication is whole before the operating desk with organism authentication terminal of the shop terminal End, behind be mounted with salesman's display part；

The content of step 1 to step 9 can be displayed on the display part, included in from the organism authentication terminal Certification judges the authentication result in information, the information from the server storage, from salesman's coding input means Salesman encodes；

The certification is added on salesman's coding and judges information and date, is sent in this, as salesman's confirmation The server.

3. credit card payment method according to claim 1, it is characterised in that the shop terminal has the shop Member's coding input means, salesman's coding input means refer to read the unitary bar shaped being imprinted on salesman's card entrained by salesman The unitary code reader of code.

4. credit card payment method according to claim 1, it is characterised in that the server is sending the Quick Response Code The order for cancelling this two-dimensional code data is sent after a period of time of data message.

5. credit card payment method according to claim 1, it is characterised in that filled in the organism authentication terminal front side The standby facial photography video camera that can shoot user's face；Reading in the raw body characteristic information of user's privileged site Meanwhile shoot user's face with the face camera；The face-image of the shooting is attached to the certification and judges letter On breath, the organism authentication object information is sent to the server；

The server is equipped with face representation and logged in storage means, whenever receiving the life from the organism authentication terminal Object authentication result information, the phone number that will be contained in the organism authentication object information, organism authentication terminal Telephone number and face representation are stored in the face representation and logged in in storage means.

6. credit card payment method according to claim 2, it is characterised in that certification credit number provides center by certification The server of service centre is formed with credit card company server；Authentication service central server is realized by internet and biology Card terminal and the operating desk with organism authentication terminal are connected, while are also connected with cellular network and credit card Special back road network Connect；Credit card company server is connected with credit card Special back road network；

The server at authentication service center has described the first storage means, the means of the step 1, the step 2 Means, the means of the step 4, the means of the step 5, the means of the step 7, the means of the step 8；

Credit card company server possesses second of the storage means, means of the step 3, the means of the step 6, described The means of step 9；

The means of the server at authentication service center include：

The means of the step 1：Center registration living body feature information is sent to the biology by the internet Realization card terminal；

The means of the step 2：The certification from the shop terminal is received by the internet and judges letter Breath, when it is holder himself that this certification, which judges presentation of information, self acknowledging is issued by the credit card Special back road network and led to Know；

The means of the step 5：The Quick Response Code is sent to the mobile phone by the cellular network；

The means of the step 7：The consistent result of determination is received by credit card Special back road network, result of determination is led to Cross the internet and be sent to the shop terminal；

The means of the step 8：Salesman's confirmation letter from the shop terminal is received by the internet Breath, display is sent to the credit card company server by the credit card Special back road network and receives the logical of this confirmation Know；

The means of credit card company server include：

The means of the step 6：Credit from the credit card payment terminal is received by the credit card Special back road network Card settlement request information, consistent judged result is sent to the authentication service center by the credit card dedicated circuit Server；

The means of the step 9：The notice of confirmation is received by the credit card Special back road network receiving salesman, The Card Verification is connected the credit card payment terminal is sent to by the credit card Special back road network.