CN105580046A - System and method for providing bank transactions with a remote bank device - Google Patents
System and method for providing bank transactions with a remote bank device Download PDFInfo
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- CN105580046A CN105580046A CN201380079340.1A CN201380079340A CN105580046A CN 105580046 A CN105580046 A CN 105580046A CN 201380079340 A CN201380079340 A CN 201380079340A CN 105580046 A CN105580046 A CN 105580046A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/36—User authentication by graphic or iconic representation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
- H04L63/0492—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload by using a location-limited connection, e.g. near-field communication or limited proximity of entities
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
- H04L9/3231—Biological data, e.g. fingerprint, voice or retina
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/60—Context-dependent security
- H04W12/69—Identity-dependent
- H04W12/77—Graphical identity
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
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Abstract
A system and method for authenticating a user of a remote bank device such as an Automated Teller Machine (ATM). A mobile user device is utilized to interact with the remote bank device for authenticating the user. A display image of the mobile user device and a biometric image of the user are utilized in performing the authentication. The analysis of the display image and the biometric image are performed substantially concurrently.
Description
Technical field
The present invention relates to the bank transaction of the remote bank device using such as ATM (Automatic Teller Machine) (ATM).More particularly, the present invention relates to the user authentication by remote bank device.More particularly, the present invention relates to use mobile user devices with remote bank device alternately with authenticated.
Background technology
Client uses the remote bank device of such as ATM, public's information station (computerkiosk) etc. and bank alternately to perform any amount of transaction usually, includes, but is not limited to drawing, deposit, inquiry into balance, transfers accounts.In the device of these types, the mode of modal authenticated uses card and inputs password by user.Card inserts in card reading device by user, and this card reading device reads user profile from card.User also inputs password.Password and user profile are sent to banking system by remote bank device, and banking system uses the user profile received to carry out the accounts information of retrieval user.Then the information that accesses to your account is to determine that whether password is correct.If password is correct, then approving signal is sent to remote bank device by banking system, and then remote bank device allows user to carry out the bank transaction expected.There is such problem: the method needs user to perform a series of independent sequential steps to carry out certification by remote bank device.
In addition, current the method is not very safe, because commonly hacker copies the information of the card of user; Steal and/or steal the password of user.Carrying out rogue card to stop hacker to copy, have employed and include, but is not limited to card jittering device, antitheft measure of reading (anti-skimming) card inserting machine, code keypad baffle plate (pinpadshield) and other device.There is such difficult problem: such as the mechanism of card jittering device adds the exchange hour of the user of remote bank device, cause the queuing time more grown.Therefore, user wishes a kind of easier Verification System, and more safer than current password process.
Summary of the invention
The system and method for bank transaction is provided to solve above and other problem and acquisition of technology progress by use remote bank device according to the embodiment of the present invention.First advantage of system and method is according to the embodiment of the present invention as the user of remote bank device provides quicker and easier authentication processing.According to the embodiment of the present invention, user only needs to perform single action at remote bank device place to perform authentication processing.The second advantage of system and method is according to the embodiment of the present invention the authentication processing that use two is independent.Which increase the security of authentication processing.In addition, two independent certifications allow system and method according to the embodiment of the present invention to meet the laws and regulations requirement of the dual factor anthentication of client.
According to the embodiment of the present invention, provide the remote bank device of such as information station or ATM, it has processor, storer, the first image capture apparatus, the second image capture apparatus and wireless communication node.This remote bank device performs following process according to the embodiment of the present invention with authenticated, thus allows user to perform bank transaction.This process starts from remote bank device and is placed by the wireless communication node close to remote bank device in response to the wireless device associated with mobile user devices, sets up and is connected with the radio communication of mobile user devices.Then, remote bank device uses radio communication to connect to receive user certificate from the wireless device associated with mobile user devices.Remote bank system also catches the image of the display frame of mobile user devices, and this image has the identifier of bar code or certain other type for certification.In addition, remote bank device catches the biometric image at a position of user for the biological characteristic authentication performing user.Biometric image can be facial photo, fingerprint, retina scanning or other biometric image any.Then send to banking system for certification user certificate, display image and biometric image.Then, remote bank device receives the approval of certification or refusal from banking system.If user is certified, then user can the bank transaction of carry out desired.If no, then remote-control device can inform that user refuses and requires that user attempts again.
According to certain embodiments of the present invention, remote bank device comprises the enclosure in the surface being defined in remote bank device, and it is configured to receive mobile user devices.According to some in these embodiments, wireless communication node be near-field communication (NFC) reader and to be arranged near the basal surface of enclosure and/or in, make the NFC reader when mobile user devices is inserted in enclosure to contact the NFC device associated with mobile user devices.In addition, near the top surface that first image capture apparatus is arranged on enclosure and/or in, make when contacting the NFC reader of remote bank device with the NFC device that mobile device associates, the first image capture apparatus can catch the image of the display frame of mobile user devices.
According to some in these embodiments of the present invention, it is that NFC communication connects and sets up in the following manner that radio communication connects.The NFC reader of remote bank device detects the existence of the NFC device associated with mobile user devices.Then, remote bank device use NFC reader inquires that mobile user devices connects to set up NFC communication.
According to certain embodiments of the present invention, reception user certificate is connected via NFC communication in the following manner.Remote bank system utilizes NFC communication to connect to come to mobile user devices request user certificate.In response to this request, remote bank device utilizes NFC communication to connect and receives user certificate from mobile user devices.
According to certain embodiments of the present invention, display image is caught in the following manner by remote bank.Remote bank device detects the existence of mobile user devices.Then, remote bank device makes the first image capture apparatus prepare to catch image.Then, whether the display frame of remote bank device determination mobile user devices is properly aligned so that the first image capture apparatus catches display image.If mobile user devices is properly aligned, then the first image capture apparatus catches the image of the display frame of mobile user devices to be used as display image.According to some in these embodiments, then remote bank device determines whether caught display image can accept.If image is unacceptable, then the first image capture apparatus catches the second display image.
According to certain embodiments of the present invention, biometric image is caught in the following manner by remote bank.Remote bank device detects the existence of the user in the front of the second image capture apparatus.Then, remote bank device makes the second image capture apparatus prepare to catch biometric image.Then, whether remote bank device is determined to need the privileged site of the user carrying out biological characteristic analysis correctly to aim to catch biometric image with the second image capture apparatus.If this position of user is properly aligned, then the second image capture apparatus catches the image of this privileged site of user to be used as biometric image.According to some in these embodiments, then remote bank device determines whether caught biometric image can accept.If image is unacceptable, then the second image capture apparatus catches the second biometric image.
According to certain embodiments of the present invention, banking system performs following process with authenticated.Banking system receives user certificate, display image and biometric image from remote bank device.Then, banking system is based on received user certificate retrieve user information.Then, the user profile that banking system retrieves based on banking system is analyzed display image with certification display image.Banking system also utilizes user profile to perform biological characteristic analysis with authenticated to biometric image.If biometric image and display image are confirmed as the Valuation Standard met in user profile, then banking system authenticated.If user is certified, then approval code is sent to remote bank device by banking system.According to some in these embodiments, analysis and the biological characteristic analysis of display image perform substantially simultaneously.
According to certain embodiments of the present invention, carry out bank transaction in response to user's request with remote bank device, remote user device execution generates and shows the process of certification display frame.
Accompanying drawing explanation
Above and other feature and advantage according to the embodiment of the present invention describe in the following specific embodiments and illustrate in the following figures:
Fig. 1 illustrates the diagram comprising the network of ATM and the banking system connected via network according to the embodiment of the present invention;
Fig. 2 illustrates the front elevation of ATM according to certain embodiments of the present invention;
Fig. 3 illustrates the block diagram of the assembly of the example processing system of the disposal system in such as ATM, banking system and/or mobile user devices according to the embodiment of the present invention;
Fig. 4 illustrates the diagram of the assembly in the enclosure in the surface of ATM according to the embodiment of the present invention;
Fig. 5 illustrates the process flow diagram providing the process of bank transaction from remote bank dress to user according to the embodiment of the present invention;
Fig. 6 illustrates the process flow diagram connecting the process receiving user certificate via NFC communication according to the embodiment of the present invention;
Fig. 7 illustrates the process flow diagram of catching the process of display image according to the embodiment of the present invention;
Fig. 8 illustrates the process flow diagram of catching the process of biometric image according to the embodiment of the present invention;
Fig. 9 illustrates the process flow diagram of process of utilization display image according to the embodiment of the present invention and biometric image authenticated; And
Figure 10 illustrates the process flow diagram providing the process of certification display frame in the display frame of mobile user devices according to the embodiment of the present invention.
Embodiment
The present invention relates to the bank transaction of the remote bank device using such as ATM (Automatic Teller Machine) (ATM).More particularly, the present invention relates to the user authentication by remote bank device.More particularly, the present invention relates to use mobile user devices with remote bank device alternately with authenticated.
According to the embodiment of the present invention, provide system and method with utilize two independently method carry out authenticated.Preferably, the first method is via the display frame on mobile user devices, and the second method is biometric solution.More particularly, user certificate is provided via the wireless connections between remote bank device and mobile user devices.In certain embodiments, wireless connections are that near-field communication (NFC) between mobile user devices with remote bank device is connected.Then, in response to having carried out NFC connection, the image at the display frame of acquisition equipment and the position needing biological characteristic to analyze of user.Therefore, user has easily and effective method performs remote bank device and logins.Except client uses easily, system and method according to the embodiment of the present invention provides two independent authentication means, and it provides the security of increase for user and meets the various laws and regulations requirements that bank must meet.
Fig. 1 illustrates the remote bank device communicated to connect via network and banking system according to the embodiment of the present invention.Network 100 can be internet, public switch telephone network (PSTN), wide area network (WAN), LAN (Local Area Network) (LAN) or can be used for the network of other type any sending data between two.Banking system 105 is shown as individual server in FIG.But banking system 105 can be the plant network of other device any comprising the router of any amount of connection, server, storage arrangement and/or perform the process described for banking system according to the embodiment of the present invention.ATM (Automatic Teller Machine) (ATM) 110 is remote bank devices according to the embodiment of the present invention.Those skilled in the art will recognize that, remote bank device can be the device of other type comprising other treating apparatus any that terminal, touch pad, consultancy station or bank provide, and it allows user and banking system 105 alternately to complete bank transaction.Personal digital assistant 115 and mobile phone 116 are examples of mobile user devices according to the embodiment of the present invention.Those skilled in the art will recognize that, mobile user devices according to the embodiment of the present invention can show data on the display screen and wirelessly can connect any hand-held device of carrying out communicating.
Fig. 2 illustrates the more detailed diagram of ATM110 according to the embodiment of the present invention.ATM10 is similar to the most traditional ATM.But ATM110 comprises enclosure 210.Enclosure 210 is the openings being configured to receive mobile user devices in the surface of ATM110.As shown in Figure 4, enclosure 210 be included in enclosure 210 basal surface in and/or close to the NFC reader 410 of the basal surface of enclosure 210.NFC reader 410 is arranged in enclosure 210 to allow NFC reader 410 and easily to contact with between the NFC device associated by mobile user devices.Those skilled in the art will recognize that, although the NFC device describing NFC communication connection, NFC reader according to the embodiment of the present invention and associate with mobile user devices, without departing from the present invention, can use various wireless protocols and device.The example of other wireless protocols and device includes, but is not limited to WI-FI, RFID etc.In the embodiment shown, NFC reader 410 is in basal surface, because the NFC device that expection associates with mobile user devices is by near the rear surface or basal surface of device.The position of NFC reader makes mobile user devices probably inner by being placed to enclosure 210 according to display frame towards the mode of the top surface of enclosure 210.Therefore, in the top surface that the first image capture apparatus 405 is arranged on enclosure 210 and/or close to the top surface of enclosure 210, the possible position of the alignment lens mobile user devices when mobile user devices contacts with NFC reader 410 is made.First image capture apparatus 405 is other devices of digital camera or the digital picture can catching object.Although be shown as enclosure, those skilled in the art will recognize that, without departing from the present invention, for arranging image capture apparatus and NFC reader to allow other configurations many of catching the image of the display frame of mobile user devices while NFC device is positioned near NFC reader to be possible.Those skilled in the art will recognize that, the reception that the first image capture apparatus 405 and NFC reader 410 are configured to the information allowing the NFC device of catching and associating with mobile user devices of the image of display frame to send occurs substantially simultaneously.In addition, the second image capture apparatus 205 is found in the traditional digital cameras that can be used in most of ATM catches biometric image (being discussed below).Alternatively, without departing from the present invention, the second image capture apparatus 205 can be captured biometric image another image capture apparatus replace and/or supplemented by it.
The process that the instruction stored by medium is provided provides system and method according to the embodiment of the present invention, and described instruction is performed by the disposal system in one or more server in mobile user devices, remote bank device and banking system.Described instruction can be stored as firmware, hardware or software by these devices.In addition, those skilled in the art will recognize that, when not departing from embodiments of the present invention, some steps of described process can be combined, are separated, repeat or omit.Fig. 3 illustrates and performs described instruction to perform the disposal system 300 (one of disposal system such as, in personal user's device and server) of the process for providing method according to the embodiment of the present invention and/or system.Those skilled in the art will recognize that, the exact configuration of each disposal system may be different, and the exact configuration of the disposal system in each device may change; Fig. 3 is merely given as examples.
Disposal system 300 comprises CPU (central processing unit) (CPU) 305.CPU305 performs instruction to perform any combination of the processor of process according to the embodiment of the present invention, microprocessor or processor and microprocessor.CPU305 is connected to memory bus and I/O (I/O) bus.CPU305 is connected to storer 310 and 315 to send data and instruction between storer and CPU305 by memory bus.CPU305 is connected to peripheral unit to send data between CPU305 and peripheral unit by I/O bus.Those skilled in the art will recognize that, I/O bus and memory bus can be combined into a bus or be subdivided into other buses many, and exact configuration leaves those skilled in the art for.
Such as the nonvolatile memory 315 of ROM (read-only memory) (ROM) is connected to memory bus.Nonvolatile memory 315 stores each subsystem of operational processes system 300 and the instruction and data when starting needed for guidance system.Those skilled in the art will recognize that, the storer of any quantity type can be used for performing this function.
Such as the volatile memory 310 of random access memory (RAM) is also connected to memory bus.Volatile memory 310 stores the instruction of CPU305 executive software for the instruction and data needed for process (such as, providing the process of system and method according to the embodiment of the present invention).Those skilled in the art will recognize that, the storer of any exemplary types can be used as volatile memory, and the exact type used leaves those skilled in the art for as design alternative.
I/O device 320, keyboard 325, display 330, storer 340, network equipment 345 and other peripheral unit any amount of are connected to I/O bus to exchange data for the application performed by CPU305 with CPU305.I/O device 320 sends from CPU305 and/or receives any device of data.Keyboard 325 is the I/O devices receiving user's input and input is sent to the particular type of CPU305.Display 330 receives display from the CPU305 display image according to this and on screen so that user sees.Storer 340 sends data to CPU305 and receives data for device data being stored into medium from CPU305.CPU305 is connected to network and transmits data for other disposal system and from other disposal system by network equipment 345.
According to the embodiment of the present invention, when user wants to utilize remote bank device to carry out bank transaction, the remote bank device of such as ATM performs the process of authenticated.Shown in Fig. 5 according to the embodiment of the present invention login process for authenticated.Process 500 starts from step 505: receive user certificate from mobile user devices.The process utilizing NFC communication to receive user certificate is provided referring to Fig. 6.Then receive by remote bank device the information being used for the first authentication processing in step 510.According to some embodiments, the information for the first authentication processing is the image of the display frame of mobile user devices, and the process of catching display frame image describes with reference to Fig. 7 below.In step 515, remote bank device receives the information for performing the second certification.According to certain embodiments of the present invention, the second authentication processing is biological characteristic test.Specifically, catch the biometric image at a position of user and compare with authenticated with the biological information of user.For purposes of this discussion, biological characteristic represents enough unique in any physical features of the user correctly specific user and other people distinguished.In addition, spendable body part includes, but is not limited to face, eyes and fingerprint.Acquisition biometric image according to the embodiment of the present invention describes with reference to Fig. 8 below with the process of completing steps 515.
Those skilled in the art will recognize that, according to the embodiment of the present invention, step 505-515 can substantially start simultaneously and perform.Once receive all information, user certificate, display frame image and biometric image are just sent to banking system by remote bank device in step 520.Then banking system sends by execution two authentication processing and to remote bank device and responds.In step 525, remote bank device receives the transmission of authenticated or refusal user from banking system.If user is rejected, then in step 550, stops session and process 500 end.
If user is certified, then remote bank device provides the list of at user option transaction.Then remote bank device receives transaction request in step 530.In step 535, remote bank device receives Transaction Details.Such as, Transaction Details can be the numbers of extraction and/or the account stored in user.Then in step 540 Transaction Details are sent to banking system.In step 545, receive the details of having concluded the business from banking system and be shown to user.Then remote bank device completes transaction.Then in step 550, user can ask another to conclude the business.If ask another to conclude the business, then re-treatment 500 from step 530.Otherwise process 500 terminates.
According to another embodiment of the present invention, after user is certified, user predefine can be kept at transaction in banking system.Predefined transaction can be the number that such as will extract.When user's requests transaction (or in occasion identical with when carrying out certification or in independent occasion), remote bank device receives transaction request and automatically completes transaction based on predefined transaction, and without the need to further certification.
According to the embodiment of the present invention, user certificate is sent to remote bank system comes from mobile user devices by utilizing near-field communication (NFC) to transmit by authentication processing.According to these embodiments, user's mobile device has the NFC device associated with device.NFC device can be integral with mobile user devices, or NFC device can be the annex being connected to mobile user devices via I/O (I/O) port of device.Shown in Fig. 6 according to the embodiment of the present invention receive the process of user certificate via NFC communication.
Process 600 starts from step 605: the NFC reader in remote bank device detects the existence of the NFC device associated with mobile user devices.When the NFC device associated with mobile user devices is in the predetermined proximity of NFC reader, existence detected.According to some embodiments, when in the enclosure 210 that mobile user devices is placed on ATM110, existence detected.In response to the existence NFC device associated with mobile user devices being detected, in step 610, remote bank device utilize NFC reader inquire NFC device with remote bank device with set up NFC communication between mobile user devices and be connected.Connect, in step 615 medium-long range bank device to mobile user devices request user certificate in response to setting up NFC.In response to this request, remote bank device connects from user's mobile device reception user certificate via NFC in step 620, and process 600 terminates.
According to the embodiment of the present invention, two authentication processing are performed.According to some in these embodiments, authentication processing comprises a device authentication and a biological characteristic authentication.An authentication processes is the display frame detecting particular design specific to user.Described unique design can be bar code, QR code or some other special symbols.In addition, according to concrete system, whenever user attempts can showing identical symbol when logining remote bank device, or whenever attempting can generating new symbol when logining.Another authentication processing is biological characteristic authentication process.Biological characteristic authentication process uses unique physical features to carry out identifying user.According to the embodiment of the present invention, utilize the image at user position to perform biological characteristic authentication process.This position can be fingerprint, retina scanning, face or other body part any with distinguishing characteristics.
The process of catching display frame image (being the image of the display frame of mobile user devices) according to the embodiment of the present invention shown in Fig. 7.Process 700 starts from step 705: remote bank device receives instruction (such as, in the enclosure 210 of ATM110) in appointed area and there is the signal of mobile user devices.Existence is detected by using the NFC reader in ATM.In response to the signal receiving the existence indicating mobile user devices, remote bank device makes the first image capture apparatus prepare to catch display frame image (being the image of the display frame comprising mobile user devices) in step 720.Any other that described preparation can comprise focused image, prepares flashlamp and/or catch image may be needed processes.
In optional step 715, process 700 determines whether correctly to aim at mobile user devices to catch the image of display frame with the first image capture apparatus.This is by determining that the software of image whether in specific border performs.Alternatively, can will illustrate that the image on border is shown to user, to allow the position of user's regulating device.If the display frame of mobile user devices is properly aligned, then the first image capture apparatus catches display frame image in step 720.In step 725, can perform and determine the whether acceptable verification process of image.The process whether this verification process can be clearly identified for authentication processing by the symbol determined in display frame image performs.Alternatively, verification process can comprise and image is shown to user and whether require that user carrys out authentication image clear.If image is acceptable, then processes 700 and terminate.Otherwise re-treatment 700 is to catch acceptable display image from step 710.
The process of catching biometric image according to the embodiment of the present invention shown in Fig. 8 A.Biometric image is the image of the body part of the user with unique physical features.Process 800 starts from step 805: remote bank device receives instruction (such as, in second image capture apparatus 205 front of ATM110) in appointed area and there is the signal of user.Existence is detected by using the NFC reader in ATM.Alternatively, motion detector or pressure transducer can be used to carry out indicating user and to be in the tram of catching image.In response to the signal of existence receiving indicating user, remote bank device makes the second image capture apparatus prepare to catch biometric image (being the image at the position comprising the user needing biological characteristic to analyze) in step 810.Any other that described preparation can comprise focusedimage, prepares flashlamp and/or catch image may be needed processes.
In optional step 815, process 800 determines whether that the position that correctly targeted by user is to catch the image of required body part with the second image capture apparatus.This is by determining that the software of image whether in specific border performs.Alternatively, can will illustrate that the image on border is shown to user before the image is captured, with the position allowing user to regulate user.If user is properly aligned, then the second image capture apparatus catches biometric image in step 820.In step 825, can perform and determine the whether acceptable verification process of image.This verification process performs by the process determined required body part and whether can be clearly identified for authentication processing.Alternatively, verification process can comprise and image is shown to user and whether require that user carrys out authentication image clear.If image is acceptable, then processes 800 and terminate.Otherwise re-treatment 800 is to catch acceptable biometric image from step 810.
The process of authenticated is performed according to the embodiment of the present invention by banking system.Banking system performs two independent authentication processing.Ideally, multiple authentication processing simultaneously or substantially side by side perform, to reduce the time needed for authenticated.The process of execution user authentication according to the embodiment of the present invention shown in Fig. 9.Process 900 starts from step 905: receive the user certificate of user, display frame image and biometric image from remote bank device.In step 910, user certificate is used to carry out retrieve user information.User profile can comprise the accounts information of user, the information of certification display frame image and the biological attribute data needed for certification biometric image.In step 915, banking system to the execution analysis of display frame image with authenticated.This certification can be simple as display frame image and template being compared to determine to mate.Alternatively, described analysis can comprise the data of extraction image and extracted information and the information in user profile be compared to confirm to mate.Definite test will depend on used information, leave those skilled in the art for as design alternative.Described in step 920, process determines that whether display frame image is certified.If display frame image is not certified, then generates the refusal of certification and send to remote bank device.
Step 925 pair biometric image performs biological characteristic analysis with authenticated.Carry out cutting really and to analyse and the requirement of authenticated changes according to analyzed body part.Therefore, for the sake of simplicity, definite process performed in step 925 is eliminated.In step 930, described process determines that whether biometric image is certified.If biometric image is not certified, then in step 940, generates the refusal of certification and send to remote bank device, process 900 terminates.If both display frame image and biometric image are all certified, then generate approval message by banking system in step 935 and send to remote bank device.Then process 900 to terminate.
The process that certification display frame is provided performed by mobile user devices according to the embodiment of the present invention shown in Figure 10.Process 1000 starts from step 1005: the input receiving the request mutual with remote bank device.This request can be the input from user, or can be close to the signal of the reader of remote bank device from the instruction of NFC device.In response to this request, mobile user devices starts to perform interactive software in step 1010.This interactive software can be can be performed by mobile user devices with " application " that communicate with remote bank device, application-specific or other executable program.Then, in step 1015, interactive software generates certification display frame, and makes the display of device provide certification display frame.Then mobile user devices display certification display frame, exits command until receive in step 1020.Those skilled in the art will recognize that, exiting command can be that user inputs or can be the order received from remote bank device via the NFC device associated with mobile user devices.Exit command in response to receiving, in step 1025, mobile user devices can receive and store any renewal.Described renewal can be included between follow-up policy and generate the correct data needed for certification display frame.Then process 1000 to terminate.
Described above is the device according to specific implementation system and method for the present invention and process.Can expect, those skilled in the art can design the alternative embodiment of the present invention invaded and set forth in following claim.
Claims (39)
1. provide a system mutual with the banking of remote bank device to user, this system comprises:
Remote bank device, this remote bank device is connected to banking system communicatedly and comprises:
Wireless communication node in described remote bank device, this wireless communication node be configured to when user's mobile device close to during described wireless communication node and with the wireless device associated by described user's mobile device;
First image capture apparatus, this first image capture apparatus is located close to described wireless communication node, when making described wireless communication node close to described remote bank device of described wireless device when described user's mobile device, described first image capture apparatus can catch the image of the display frame of described user's mobile device;
Second image capture apparatus, this second image capture apparatus be positioned on described remote bank device with user close to the image of catching the privileged site of user during described remote bank device;
Processor;
Storer, this storer can be read by described processor; And
The instruction stored by described storer, described instruction indicates described processor to perform following steps when being read by described processor:
Utilize the described wireless communication node of described remote bank device and set up with the described wireless device that described user's mobile device associates and be connected with the radio communication of described remote user device,
Be connected via the described radio communication between the described wireless communication node of described remote bank device and the described wireless device of described mobile user devices and receive user certificate,
Described first image capture apparatus is utilized to catch the display image of the described display frame of described mobile user devices,
Utilize described second image capture apparatus to catch the biometric image of described user, make described biometric image can be used in distinguishing biological characteristic,
Described user certificate, display image and biometric image are sent to described banking system,
In response to the transmission of described user certificate, display image and biometric image, receive the certification of described user from described banking system, and
In response to receiving described certification, provide the option of available bank transaction to user.
2. system according to claim 1, wherein, described wireless communication node is near-field communication NFC reader, and described remote bank device comprises the enclosure in the surface being defined in described remote bank device, described NFC reader is arranged in the first surface of described enclosure, described first image capture apparatus is arranged in the surface of described enclosure, make when the NFC device associated with described user's mobile device is placed as close to described NFC reader, described first image capture apparatus can catch the image of the described display frame of described user's mobile device.
3. system according to claim 2, wherein, described NFC reader is arranged in the basal surface of described enclosure, and described first image capture apparatus is arranged in the top surface of described enclosure.
4. system according to claim 2, wherein, it is that NFC communication connects that described radio communication connects, and the described instruction connected for setting up described NFC communication comprises the instruction that the described processor of instruction performs following operation:
Utilize the described NFC device of described remote bank device to detect the existence of the described NFC device of described mobile user devices, and
Inquire that described mobile user devices connects to set up described NFC communication.
5. system according to claim 4, wherein, the described instruction for receiving described user certificate comprises the instruction that the described processing unit of instruction performs following operation:
Described NFC communication is utilized to connect to user certificate described in described mobile user devices request, and
Utilize described NFC communication to connect and receive described user certificate from described mobile user devices.
6. system according to claim 1, wherein, the described instruction for catching described display image comprises the instruction that the described processor of instruction performs following operation:
Detect the existence of described mobile user devices,
Prepare described first image capture apparatus,
Determine whether the described display frame of described mobile user devices aims at described first image capture apparatus, and
In response to determining that described display frame is aimed at described first image capture apparatus, described first image capture apparatus is utilized to catch described display image.
7. system according to claim 6, wherein, the described instruction for catching described display image also comprises the instruction that the described processor of instruction performs following operation:
Determine whether the described display image of being caught by described first image capture apparatus can be accepted, and
In response to determining that caught display image is unacceptable, catch the second display image.
8. system according to claim 1, wherein, the described instruction for catching described biometric image comprises the instruction that the described processor of instruction performs following operation:
Detect the existence of described user,
Prepare described second image capture apparatus,
Determine whether described user correctly aims to catch described biometric image with described second image capture apparatus, and
In response to determining that described user and described second image capture apparatus are correctly aimed at, described second image capture apparatus is utilized to catch described biometric image.
9. system according to claim 8, wherein, the described instruction for catching described biometric image also comprises the instruction that the described processor of instruction performs following operation:
Determine whether the described biometric image of being caught by described second image capture apparatus can be accepted, and
In response to determining that caught biometric image is unacceptable, catch the second biometric image.
10. system according to claim 1, this system also comprises:
Banking system, this banking system comprises:
Processor;
Storer, this storer can be read by described processor;
Store instruction in which memory, described instruction indicates described processor to perform following steps when being read:
Described user certificate, display image and biometric image is received from described remote bank device,
Based on described user certificate retrieve user information,
Based on described user profile, with described in certification, image is shown to the execution analysis of described display image,
Described user profile is utilized to perform biological characteristic analysis with user described in certification to described biometric image,
The certification of the certification in response to described display image and the described user from described biometric image, determines that described user is certified, and
In response to determining that described user is certified, the authentication approval of described user is sent to described remote bank device.
11. systems according to claim 10, wherein, for substantially performing the described instruction of described display image execution analysis and the described instruction for performing biological characteristic analysis to described biometric image simultaneously.
12. systems according to claim 1, wherein, receiving user certificate for connecting via radio communication, catching the display image of the described display frame of described mobile user devices and the described instruction of catching biometric image performs substantially simultaneously.
13. systems according to claim 1, this system also comprises:
Mobile user devices, this mobile user devices comprises:
Processor;
Display;
The radio communication device connected;
Storer, this storer can be read by described processor;
The instruction stored by described storer, described instruction indicates described processor to perform following steps when being read:
Receive the request to remote bank service interaction,
Perform interactive software,
Generate display frame certification for user described in certification,
The display frame of described mobile user devices shows described display frame certification,
Reception exits command, and
Exit command described in receiving, receive and storage update.
14. 1 kinds utilize remote bank device to provide the method for bank transaction to user, and the method comprises the following steps:
The wireless communication node of described remote bank device and the wireless device of user's mobile device is utilized to connect to the radio communication set up between described remote bank device and described mobile user devices;
Be connected to receive user certificate from described mobile user devices via the described radio communication between the described wireless communication node of described remote bank device and the described wireless device of described mobile user devices;
The first image capture apparatus of described remote bank device is utilized to catch the display image of the display frame of described user's set;
Utilize the second image capture apparatus of described remote bank device to catch the biometric image of described user, make described biometric image can be used in distinguishing the biological characteristic of described user;
Described user certificate, display image and biometric image are sent to described banking system from described remote bank device;
In response to the transmission of described user certificate, display image and biometric image, receive the certification of described user from described banking system; And
In response to receiving described certification, described remote bank device is utilized to provide the option of available bank transaction to user.
15. methods according to claim 14, wherein, described wireless communication node is near-field communication NFC reader, and described remote bank device comprises the enclosure in the surface being defined in described remote bank device, described NFC reader is arranged in the first surface of described enclosure, described first image capture apparatus is arranged in the surface of described enclosure, make when the NFC device associated with described user's mobile device is placed as close to described NFC reader, described first image capture apparatus can catch the image of the described display frame of described user's mobile device.
16. systems according to claim 15, wherein, described NFC reader is arranged in the basal surface of described enclosure, and described first image capture apparatus is arranged in the top surface of described enclosure.
17. methods according to claim 15, wherein, it is that NFC communication connects that described radio communication connects, and the step setting up the connection of described NFC communication comprises:
The described NFC reader of described remote bank device is utilized to detect the existence of the NFC device associated with described user's mobile device; And
Inquire that described user's mobile device connects to set up described NFC communication from described remote bank device.
18. methods according to claim 17, wherein, the step receiving described user certificate comprises:
Described NFC communication connection request is utilized to send described user certificate from described mobile user devices to described remote bank device; And
In described remote bank device, utilize described NFC communication to connect receive described user certificate from described mobile user devices.
19. methods according to claim 14, wherein, the step of catching described display image comprises:
The existence close to the described mobile user devices of described first image device is detected in described remote bank device;
Described first image capture apparatus is prepared to catch image;
Determine whether the described display frame of described mobile user devices aims at described first image capture apparatus; And
In response to determining that described display frame and described first image capture apparatus are aimed at, described first image capture apparatus is utilized to catch described display image.
20. methods according to claim 19, wherein, the step of catching described display image also comprises:
Determine whether the described display image of being caught by described first image capture apparatus can accept; And
In response to determining that caught display image is unacceptable, catch the second display image.
21. methods according to claim 14, wherein, the step of catching described biometric image comprises:
Detect the existence of the described user in the described second image capture apparatus front of described remote bank system;
Described second image capture apparatus is prepared to catch described biometric image;
Determine whether described user correctly aims to catch described biometric image with described second image capture apparatus; And
In response to determining that described user and described second image capture apparatus are correctly aimed at, described second image capture apparatus is utilized to catch described biometric image.
22. methods according to claim 21, wherein, the step of catching described biometric image also comprises:
Determine whether the described biometric image of being caught by described second image capture apparatus can accept; And
In response to determining that caught biometric image is unacceptable, catch the second biometric image.
23. methods according to claim 14, the method is further comprising the steps of:
Described user certificate, display image and biometric image is received from described remote bank device in described banking system;
Based on described user certificate retrieve user information in described banking system;
In described banking system, based on described user profile, with described in certification, image is shown to the execution analysis of described display image;
In described banking system, utilize described user profile to perform biological characteristic analysis with user described in certification to described biometric image;
In response to the certification of the certification of described display image and the described user from described biometric image in described banking system, determine that described user is certified; And
In response to determining that described user is certified, the authentication approval of described user is sent to described remote bank device from described banking system.
24. methods according to claim 23, wherein, perform substantially to the step of described display image execution analysis and to the step that described biometric image performs biological characteristic analysis simultaneously.
25. methods according to claim 14, wherein, connect via described radio communication the step receiving user certificate, catch the display image of the described display frame of described mobile user devices and catch biometric image and substantially perform simultaneously.
26. methods according to claim 14, the method is further comprising the steps of:
The input request to remote bank service interaction is received in described mobile user devices;
Interactive software is performed in response to receiving described input request in described mobile user devices;
In response to the described interactive software of execution in user's mobile device, generate display frame certification for user described in certification; And
The described display frame of described mobile user devices shows described display frame certification.
27. 1 kinds provide the system mutual with the banking of remote bank device to user, and this system comprises:
Remote bank device, this remote bank device is connected to banking system communicatedly and comprises:
Wireless communication node device, this wireless communication node device be configured to when mobile user devices close to during described wireless communication node and with the wireless device associated by described mobile user devices;
First image capture apparatus, this first image capture apparatus is located close to described wireless communication node, when making described wireless communication node close to described remote bank device of described wireless device when described mobile user devices, described first image capture apparatus can catch the image of the display frame of described mobile user devices;
Second image capture apparatus, this second image capture apparatus be positioned on described remote bank device with user close to the image of catching the privileged site of user during described remote bank device;
Be configured to utilize the described wireless communication node of described remote bank device and set up with the described wireless device that described user's mobile device associates the circuit be connected with the radio communication of described mobile user devices;
Be configured to be connected via the described radio communication between the described wireless communication node of described remote bank device and the described wireless communication node device of described mobile user devices the circuit receiving user certificate;
Be configured to utilize described first image capture apparatus to catch the circuit of the display image of the described display frame of described mobile user devices;
Be configured to utilize described second image capture apparatus to catch the biometric image of described user, make described biometric image can be used in distinguishing the circuit of biological characteristic;
Be configured to the circuit described user certificate, display image and biometric image being sent to described banking system;
Be configured to, in response to the transmission of described user certificate, display image and biometric image, receive the circuit of the certification of described user from described banking system; And
Be configured to, in response to receiving described certification, provide the circuit of the option of available bank transaction to user.
28. systems according to claim 27, wherein, described wireless communication node is near-field communication NFC reader, and described remote bank device comprises the enclosure in the surface being defined in described remote bank device, described NFC reader is arranged in the first surface of described enclosure, described first image capture apparatus is arranged in the surface of described enclosure, make when the NFC device associated with described user's mobile device is placed as close to described NFC reader, described first image capture apparatus can catch the image of the described display frame of described user's mobile device.
29. systems according to claim 28, wherein, described NFC reader is arranged in the basal surface of described enclosure, and described first image capture apparatus is arranged in the top surface of described enclosure.
30. systems according to claim 28, wherein, it is that NFC communication connects that described radio communication connects, and described remote bank device also comprises:
Be configured to utilize the described NFC reader of described remote bank device to detect the circuit of the existence of the NFC device associated with described mobile user devices; And
Be configured to the circuit of inquiring that described mobile user devices connects to set up described NFC communication.
31. systems according to claim 30, wherein, the described circuit being configured to receive described user certificate in described remote bank device comprises:
Be configured to the circuit utilizing the connection of described NFC communication to user certificate described in described mobile user devices request; And
Be configured to utilize described NFC communication to connect the circuit receiving described user certificate from described mobile user devices.
32. systems according to claim 27, wherein, the described circuit being configured to catch described display image in described remote bank device comprises:
Be configured to the circuit of the existence detecting described mobile user devices;
Be configured to the circuit preparing described first image capture apparatus;
Be configured to determine the circuit whether display frame of described mobile user devices aims at described first image capture apparatus; And
Be configured to, in response to determining that described display frame and described first image capture apparatus are aimed at, utilize described first image capture apparatus to catch the circuit of described display image.
33. systems according to claim 32, wherein, the described circuit being configured to catch described display image also comprises:
Be configured to the whether acceptable circuit of described display image of determining to be caught by described first image capture apparatus; And
Be configured to, in response to determining that caught display image is unacceptable, catch the circuit of the second display image.
34. systems according to claim 27, wherein, the described circuit being configured to catch described biometric image comprises:
Be configured to the circuit of the existence detecting described user;
Be configured to the circuit preparing described second image capture apparatus;
Be configured to determine whether described user correctly aims to catch the circuit of described biometric image with described second image capture apparatus; And
Be configured to, in response to determining that described user and described second image capture apparatus are correctly aimed at, utilize described second image capture apparatus to catch the circuit of described biometric image.
35. systems according to claim 34, wherein, the described circuit being configured to catch described biometric image in described remote bank device also comprises:
Be configured to the whether acceptable circuit of described biometric image of determining to be caught by described second image capture apparatus; And
Be configured to, in response to determining that caught biometric image is unacceptable, catch the circuit of the second biometric image.
36. systems according to claim 27, this system also comprises:
Banking system, this banking system comprises:
Be configured to the circuit receiving described user certificate, display image and biometric image from described remote bank device;
Be configured to the circuit based on described user certificate retrieve user information;
To be configured to based on described user profile the execution analysis of described display image to show the circuit of image described in certification;
Be configured to utilize described user profile to perform biological characteristic analysis with the circuit of user described in certification to described biometric image;
Be configured to the certification of the certification in response to described display image and the described user from described biometric image, determine the authentic circuit of described user; And
Be configured to, in response to determining that described user is certified, the authentication approval of described user is sent to the circuit of described remote bank device.
37. systems according to claim 36, wherein, the analysis to described display image and the biological characteristic analysis to described biometric image perform substantially simultaneously.
38. systems according to claim 27, wherein, via radio communication connect the reception of user certificate, the described display frame of described mobile user devices display image catch and catching of biometric image performs substantially simultaneously.
39. systems according to claim 27, this system also comprises:
Mobile user devices, this mobile user devices comprises:
Display;
The NFC device associated with described mobile user devices;
Be configured to receive the circuit to the request of remote bank service interaction;
Be configured to generate the circuit of display frame certification for user described in certification in response to receiving described request;
Be configured to the circuit showing described display frame certification in the described display frame of described mobile user devices;
Be configured to receive the circuit exited command; And
Be configured to exit command described in receiving, receive and the circuit of storage update.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/SG2013/000280 WO2015002608A1 (en) | 2013-07-05 | 2013-07-05 | System and method for providing bank transactions with a remote bank device |
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| CN105580046A true CN105580046A (en) | 2016-05-11 |
| CN105580046B CN105580046B (en) | 2022-04-08 |
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| CN201380079340.1A Active CN105580046B (en) | 2013-07-05 | 2013-07-05 | System and method for providing banking interaction with a remote banking device |
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| CN (1) | CN105580046B (en) |
| SG (1) | SG11201600050SA (en) |
| WO (1) | WO2015002608A1 (en) |
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| WO2015002608A1 (en) | 2015-01-08 |
| SG11201600050SA (en) | 2016-02-26 |
| CN105580046B (en) | 2022-04-08 |
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