CN105678534A - Unionpay transaction system and device based on palm vein identification authentication - Google Patents
Unionpay transaction system and device based on palm vein identification authentication Download PDFInfo
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- CN105678534A CN105678534A CN201610172380.6A CN201610172380A CN105678534A CN 105678534 A CN105678534 A CN 105678534A CN 201610172380 A CN201610172380 A CN 201610172380A CN 105678534 A CN105678534 A CN 105678534A
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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
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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
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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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
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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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Abstract
The invention relates to a Unionpay transaction system and device based on palm vein identification authentication. The system comprises an opening bank information terminal, a Unionpay settlement platform and a terminal device. The opening bank information terminal is used for inputting user information and storing the information in a database, wherein the user information comprises palm vein image information, an account number and a phone number, the palm vein image information and the account number are shared in the transaction database of the Unionpay settlement platform; receiving the transaction user information transmitted by the Unionpay settlement platform; authenticating received information in the database; sending verification code information to a user mobile phone when a transaction amount is no greater than an account balance or an account available credit; determining the accuracy and timeliness of verification code information; and performing deduction, updating data in a user information database, and meanwhile sending transaction result information to the Unionpay settlement platform and the user mobile phone. The system and device have the advantages of energy conservation, environment protection, high security high and wide application scope.
Description
Technical field
The present invention relates to payment technical field, particularly relate to a kind of Unionpay's transaction system based on palm hand vein recognition certification and device.
Background technology
Consumption retail trade interchanger POS is the indispensable modes of payments, but interchanger POS must be carried interchanger and just can be paid, in interchanger, the easy stolen brush of information copies, to holding, my fund security produces bigger potential safety hazard, the material of Unionpay's card itself is synthetic plastics, and physical environment can produce in Unionpay's card production process certain pollution. If Unionpay's card can be replaced with other identification payment technology, not only my fund security of holding is ensured to some extent, moreover it is possible to reduce the produced pollution discharge in process of production of Unionpay's card.
Biological recognition system has been applied for many years, there is following shortcoming in the acquisition mode of contact: first in actual applications, after repeatedly using, the secretory product such as grease on palm, sweat will make acquisition plane become fuzzy, even seriously affects collection image quality; Secondly, existing palmmprint gathers equipment, and rate is not high respectively mostly, the feature of middle big scale can only be distinguished, it is difficult to distinguish to the palmmprint minutia of small scale, this for distinguish in the similar palmmprint of low scale feature very difficult, therefore the recognition accuracy of contact identification mode is not high, and there is the reality of groups of people without fingerprint, and fingerprint recognition is easy to imitated, cannot be applied in and require on extremely high interchanger POS equipment.
Summary of the invention
The technical problem to be solved in the present invention is that design is a kind of based on palm Unionpay's transaction system of hand vein recognition certification and device, solve that prior art exists be easily imitated, contaminate environment, waste resource and the low shortcoming of security.
The present invention provides a kind of Unionpay's transaction system based on palm hand vein recognition certification, comprises bank of deposit's information end, Unionpay's settlement platform and terminating unit,
Described bank of deposit information end is for typing user profile and the Stored Value amount of money and is stored in the user profile database in high in the clouds, described user profile comprises user's name, palm vein image information, account number and cell-phone number, and described palm vein image information and account number are shared on the transaction data base of Unionpay's settlement platform; Receive the palm vein image information comprising transaction user, the account number of trading account and the transaction request information of dealing money that Unionpay's settlement platform sends; Carry out setting up transaction authentication, the palm vein image information received and account number are carried out in user profile database coupling certification; Set up transaction authentication by time, judging whether described dealing money is less than or equal to account balance or account can by amount; When dealing money is less than or equal to account balance or account can use amount, send verification code information to user mobile phone; The request information obtaining verification code information is sent to Unionpay's settlement platform; Receive the verification code information that Unionpay's settlement platform sends; Carry out transaction authentication, judge the accuracy of verification code information and whether pass within working lipe; When transaction authentication passes through, carry out deducting fees and by Data Update to user profile database, send the information of transaction results to Unionpay's settlement platform and user mobile phone simultaneously;
The user that described Unionpay settlement platform is shared for obtaining the bank that opens an account slaps vein image information and account number and is stored in the transaction data base in high in the clouds;The request information of the palm vein image information certification of the transaction user that receiving terminal apparatus sends; Carry out option dealing certification, the palm vein image information received is carried out in transaction data base coupling certification; When option dealing certification is passed through, send all account number meeting palm vein image information to terminating unit, send the request information of option dealing account number and dealing money to terminating unit; The information of the trading account number that the current transaction user that receiving terminal apparatus sends selects and dealing money; The palm vein image information, the account number of trading account and the transaction request information of dealing money that comprise transaction user is sent to bank of deposit's information end; Receive the request information of the acquisition verification code information that bank of deposit's information end sends; The request information obtaining verification code information is sent to terminating unit; The information of the verification code information that receiving terminal apparatus sends; The information of verification code information is sent to bank of deposit's information end; Receive the information of the transaction results that bank of deposit's information end sends; The information of transaction results is sent to terminating unit;
Described terminating unit is for obtaining the palm vein image information of current transaction user, and the palm vein image information of acquisition is sent to Unionpay's settlement platform request authentication; Receive the request information meeting account number information and option dealing account number and the dealing money slapping vein image information that Unionpay's settlement platform sends; The current trading account number of transaction user's selection and the information of dealing money is sent to Unionpay's settlement platform; Receive the request information of the acquisition verification code information that Unionpay's settlement platform sends; The information of verification code information is sent to Unionpay's settlement platform; Receive the information of the transaction results that Unionpay's settlement platform sends.
Further, owing to there is the possibility of the multiple account number of same user, described bank of deposit information end typing user profile also comprises self-defined information, for user to the self-defined remarks of account number, facilitates user in transaction terminal option dealing account.
Further, described palm vein image information is by palm vein image direction of passage differential histogram method binary conversion treatment and repairs and strengthen the rear eigenwert extracted according to ISO/IEC19795 algorithm, described palm vein image is by slapping vein image acquisition device collection, described palm vein image acquisition device collection palm vein main line and thin portion drape characteristic image, described palm vein image acquisition device comprises infrared rays CCD camera, sensor and optical filtering, and infrared imaging wavelength is 700～1000nm.
Further, described bank of deposit information end is when carrying out transaction authentication, and the working lipe of described checking code is 60s.
It should be noted that, bank of deposit's information end is carrying out setting up transaction authentication by rear, and when dealing money is greater than account balance or account can use amount, bank of deposit's information end sends to Unionpay's settlement platform that " remaining sum is not enough, cannot conclude the business! " information, this information is sent to terminating unit, trading suspension after receiving this information by Unionpay's settlement platform. Preferably, when user has multiple account, Unionpay's settlement platform sends all account number meeting palm vein image information to terminating unit again, sends the request information of option dealing account number and dealing money to terminating unit, and user carries out reselecting trading account number.
It should be noted that, Unionpay's settlement platform is obstructed out-of-date in option dealing certification, and to terminating unit transmission, " user profile does not exist, and cannot conclude the business! " information, transaction terminate.
It should be noted that, bank of deposit's information end is when carrying out transaction authentication, then conclude the business failure during checking code mistake, bank of deposit's information end sends the information of " checking code mistake; conclude the business unsuccessfully " to Unionpay's settlement platform, this information is sent to terminating unit by Unionpay's settlement platform after receiving this information, and transaction terminates;When verifying that code is correct but exceedes working lipe, bank of deposit's information end sends the information of " checking time-out; conclude the business unsuccessfully " to Unionpay's settlement platform, this information is sent to terminating unit by Unionpay's settlement platform after receiving this information, trading suspension, preferably, can select again to send checking code request continuous business.
It should be noted that, penny ante for the convenience of the user, user, when bank of deposit sets up account, can set laissezpasser code checking turnover, but laissezpasser code checking turnover must not exceed Renminbi 5000 yuan. When user is when concluding the business, bank of deposit's information end judges, when dealing money is less than the laissezpasser code checking turnover of its setting, skips and sends the checking code checking stage, direct dealing success.
The present invention also provides a kind of Unionpay's transaction system based on palm hand vein recognition certification, comprises bank of deposit's information end, Unionpay's settlement platform and terminating unit,
Described bank of deposit information end comprises:
Data Enter delivery unit: for typing user profile and the Stored Value amount of money and be stored in the user profile database in high in the clouds, described user profile comprises user's name, palm vein image information, account number and cell-phone number, and described palm vein image information and account number are shared on the transaction data base of Unionpay's settlement platform;
First reception unit: for receiving the palm vein image information comprising transaction user, the account number of trading account and the transaction request information of dealing money that Unionpay's settlement platform sends;
Set up transaction authentication unit: set up transaction authentication for carrying out, the palm vein image information received and account number are carried out in user profile database coupling certification;
Set up transaction judging unit: for set up transaction authentication by time, judging whether described dealing money is less than or equal to account balance or account can by amount;
Checking code generates unit, for when dealing money is less than or equal to account balance or account can use amount, producing verification code information in real time at random;
First transmission unit: for sending, to user mobile phone, the verification code information that checking code generates unit generation;
2nd transmission unit: for sending the request information obtaining verification code information to Unionpay's settlement platform;
2nd reception unit: for receiving the verification code information that Unionpay's settlement platform sends;
Whether transaction authentication judging unit: for carrying out transaction authentication, judge the accuracy of verification code information and pass within working lipe;
3rd transmission unit: for when transaction authentication passes through, carrying out deducting fees and by Data Update to user profile database, send the information of transaction results to Unionpay's settlement platform and user mobile phone simultaneously;
Described Unionpay settlement platform comprises:
Information acquisition unit: the user shared for obtaining the bank that opens an account slaps vein image information and account number and is stored in the transaction data base in high in the clouds;
First reception unit: for the request information of palm vein image information certification of the transaction user that receiving terminal apparatus sends;
Option dealing authentication unit: for carrying out option dealing certification, carries out coupling certification by the palm vein image information received in transaction data base;
First transmission unit: when passing through for option dealing certification, sends all account number meeting palm vein image information to terminating unit, sends the request information of option dealing account number and dealing money to terminating unit;
2nd reception unit: the current trading account number of transaction user's selection sent for receiving terminal apparatus and the information of dealing money;
2nd transmission unit: for sending palm vein image information, the account number of trading account and the transaction request information of dealing money comprising transaction user to bank of deposit's information end;
3rd reception unit: for receiving the request information of the acquisition verification code information that bank of deposit's information end sends;
3rd transmission unit: for sending the request information obtaining verification code information to terminating unit;
4th reception unit: for the information of the verification code information that receiving terminal apparatus sends;
4th transmission unit: for sending the information of verification code information to bank of deposit's information end;
5th reception unit: for receiving the information of the transaction results that bank of deposit's information end sends;
5th transmission unit: for sending the information of transaction results to terminating unit;
Described terminating unit comprises:
Information acquisition unit: for obtaining the palm vein image information of current transaction user;
First transmission unit: for the palm vein image information of acquisition is sent to Unionpay's settlement platform request authentication;
First reception unit: for receiving the request information meeting account number information and option dealing account number and the dealing money slapping vein image information that Unionpay's settlement platform sends;
2nd transmission unit: for sending the current trading account number of transaction user's selection and the information of dealing money to Unionpay's settlement platform;
2nd reception unit: for receiving the request information of the acquisition verification code information that Unionpay's settlement platform sends;
3rd transmission unit: for sending the information of verification code information to Unionpay's settlement platform;
3rd reception unit: for receiving the information of the transaction results that Unionpay's settlement platform sends.
Further, described palm vein image information is by palm vein image direction of passage differential histogram method binary conversion treatment and repairs and strengthen the rear eigenwert extracted according to ISO/IEC19795 algorithm, described palm vein image is by slapping vein image acquisition device collection, described palm vein image acquisition device collection palm vein main line and thin portion drape characteristic image, described palm vein image acquisition device comprises infrared rays CCD camera, sensor and optical filtering, and infrared imaging wavelength is 700～1000nm.
Further, the Data Enter delivery unit of described bank of deposit information end comprises palm vein image acquisition device and palm vein image data processing module, the information acquisition unit of described terminating unit comprises palm vein image acquisition device and palm vein image data processing module, and described palm vein image data processing module is by palm vein image direction of passage differential histogram method binary conversion treatment and extracts eigenwert according to ISO/IEC19795 algorithm after repairing enhancing.
Further, described bank of deposit information end also is provided with the 4th transmission unit, for when dealing money is greater than account balance or account can use amount, sends to Unionpay's settlement platform that " remaining sum deficiency, cannot conclude the business! " information.
Further, described Unionpay settlement platform also is provided with the 6th transmission unit, and for obstructed out-of-date in option dealing certification, to terminating unit transmission, " user profile does not exist, and cannot conclude the business! " information.
Further, described bank of deposit information end is also provided with the 5th transmission unit, for when carrying out transaction authentication, sending the information of " checking code mistake, conclude the business unsuccessfully " during checking code mistake to Unionpay's settlement platform; When verifying that code is correct but exceedes working lipe, bank of deposit's information end sends the information of " checking time-out, conclude the business unsuccessfully " to Unionpay's settlement platform.
It should be noted that, penny ante for the convenience of the user, user, when bank of deposit sets up account, can set laissezpasser code checking turnover, but laissezpasser code checking turnover must not exceed Renminbi 5000 yuan.When user is when concluding the business, bank of deposit's information end judges, when dealing money is less than the laissezpasser code checking turnover of its setting, skips and sends the checking code checking stage, direct dealing success.
Further, described terminating unit is POS or ATM, and described POS or ATM comprise palm vein image acquisition device and palm vein image data processing module.
The useful effect of the present invention: everyone palm vein pattern is uniqueness, and other people cannot copy the information of stealing, to palm surface decortication perspires also do not have what requirement, recognition rate is very high, and false proof safety and health is had safely good guarantee. opening an account, by gathering, user slaps vein data and sets up user profile database in bank, and user is slapped venous information and account information is synchronized to Unionpay's settlement platform database, traditional bank card can be replaced, environmental protection and energy saving, bank card duplication robber's brush and bank card can be avoided to lose and to make up the loss and trouble that bring, the mode of real-time verification code is adopted to further increase safety performance in addition during transaction, can allow again the transaction situation of user's real-time awareness account, higher than traditional bank card security coefficient, terminal POS consumption and ATM withdrawal can be widely used in.
Accompanying drawing explanation
Below in conjunction with accompanying drawing the specific embodiment of the present invention done and illustrate further.
The schema of bank of deposit's information end when Fig. 1 is the Unionpay's transaction system transaction based on palm hand vein recognition certification of the present invention;
The schema of Unionpay's settlement platform when Fig. 2 is the Unionpay's transaction system transaction based on palm hand vein recognition certification of the present invention;
The schema of terminating unit when Fig. 3 is the Unionpay's transaction system transaction based on palm hand vein recognition certification of the present invention;
Fig. 4 is the functional block diagram of the Unionpay's transaction system based on palm hand vein recognition certification of the present invention.
Embodiment
Embodiment 1
Composition graphs 1, Fig. 2 and Fig. 3, the Unionpay's transaction system based on palm hand vein recognition certification of the present invention comprises bank of deposit's information end, Unionpay's settlement platform and terminating unit,
Composition graphs 1, described bank of deposit information end is for typing user profile and the Stored Value amount of money and is stored in the user profile database in high in the clouds, described user profile comprises user's name, palm vein image information, account number and cell-phone number, and described palm vein image information and account number are shared on the transaction data base of Unionpay's settlement platform; Receive the palm vein image information comprising transaction user, the account number of trading account and the transaction request information of dealing money that Unionpay's settlement platform sends; Carry out setting up transaction authentication, the palm vein image information received and account number are carried out in user profile database coupling certification; Set up transaction authentication by time, judging whether described dealing money is less than or equal to account balance or account can by amount; When dealing money is less than or equal to account balance or account can use amount, send verification code information to user mobile phone; The request information obtaining verification code information is sent to Unionpay's settlement platform; Receive the verification code information that Unionpay's settlement platform sends; Carry out transaction authentication, judge the accuracy of verification code information and whether pass within working lipe; When transaction authentication passes through, carry out deducting fees and by Data Update to user profile database, send the information of transaction results to Unionpay's settlement platform and user mobile phone simultaneously;
Composition graphs 2, the user that described Unionpay settlement platform is shared for obtaining the bank that opens an account slaps vein image information and account number and is stored in the transaction data base in high in the clouds; The request information of the palm vein image information certification of the transaction user that receiving terminal apparatus sends; Carry out option dealing certification, the palm vein image information received is carried out in transaction data base coupling certification; When option dealing certification is passed through, send all account number meeting palm vein image information to terminating unit, send the request information of option dealing account number and dealing money to terminating unit; The information of the trading account number that the current transaction user that receiving terminal apparatus sends selects and dealing money; The palm vein image information, the account number of trading account and the transaction request information of dealing money that comprise transaction user is sent to bank of deposit's information end; Receive the request information of the acquisition verification code information that bank of deposit's information end sends; The request information obtaining verification code information is sent to terminating unit; The information of the verification code information that receiving terminal apparatus sends; The information of verification code information is sent to bank of deposit's information end; Receive the information of the transaction results that bank of deposit's information end sends; The information of transaction results is sent to terminating unit;
Composition graphs 3, described terminating unit is for obtaining the palm vein image information of current transaction user, and the palm vein image information of acquisition is sent to Unionpay's settlement platform request authentication;Receive the request information meeting account number information and option dealing account number and the dealing money slapping vein image information that Unionpay's settlement platform sends; The current trading account number of transaction user's selection and the information of dealing money is sent to Unionpay's settlement platform; Receive the request information of the acquisition verification code information that Unionpay's settlement platform sends; The information of verification code information is sent to Unionpay's settlement platform; Receive the information of the transaction results that Unionpay's settlement platform sends.
The present embodiment is preferred, owing to there is the possibility of the multiple account number of same user, described bank of deposit information end typing user profile also comprises self-defined information, for user to the self-defined remarks of account number, in transaction process, when Unionpay's settlement platform sends all account number meeting palm vein image information to terminating unit, account number is with the self-defined remarks of user, facilitates user in transaction terminal option dealing account.
The present embodiment is preferred, described palm vein image information is by palm vein image direction of passage differential histogram method binary conversion treatment and repairs and strengthen the rear eigenwert extracted according to ISO/IEC19795 algorithm, described palm vein image is by slapping vein image acquisition device collection, described palm vein image acquisition device collection palm vein main line and thin portion drape characteristic image, described palm vein image acquisition device comprises infrared rays CCD camera, sensor and optical filtering, and infrared imaging wavelength is 700～1000nm.
The present embodiment is preferred, and described bank of deposit information end is when carrying out transaction authentication, and the working lipe of described checking code is 60s.
The present embodiment is preferred, and bank of deposit's information end is carrying out setting up transaction authentication by rear, and when dealing money is greater than account balance or account can use amount, bank of deposit's information end sends to Unionpay's settlement platform that " remaining sum is not enough, cannot conclude the business! " information, this information is sent to terminating unit, trading suspension after receiving this information by Unionpay's settlement platform. Preferably, when user has multiple account, Unionpay's settlement platform sends all account number meeting palm vein image information to terminating unit again, sends the request information of option dealing account number and dealing money to terminating unit, and user carries out reselecting trading account number.
The present embodiment is preferred, and Unionpay's settlement platform is obstructed out-of-date in option dealing certification, and to terminating unit transmission, " user profile does not exist, and cannot conclude the business! " information, transaction terminate.
The present embodiment is preferred, bank of deposit's information end is when carrying out transaction authentication, then conclude the business failure during checking code mistake, bank of deposit's information end sends the information of " checking code mistake; conclude the business unsuccessfully " to Unionpay's settlement platform, this information is sent to terminating unit by Unionpay's settlement platform after receiving this information, and transaction terminates; When verifying that code is correct but exceedes working lipe, bank of deposit's information end sends the information of " checking time-out; conclude the business unsuccessfully " to Unionpay's settlement platform, this information is sent to terminating unit by Unionpay's settlement platform after receiving this information, trading suspension, preferably, can select again to send checking code request continuous business.
The present embodiment is preferred, penny ante for the convenience of the user, and user, when bank of deposit sets up account, can set laissezpasser code checking turnover, but laissezpasser code checking turnover must not exceed Renminbi 5000 yuan. When user is when concluding the business, bank of deposit's information end judges, when dealing money is less than the laissezpasser code checking turnover of its setting, skips and sends the checking code checking stage, direct dealing success.
The useful effect of the present embodiment: everyone palm vein pattern is uniqueness, and other people cannot copy the information of stealing, to palm surface decortication perspires also do not have what requirement, recognition rate is very high, and false proof safety and health is had safely good guarantee. opening an account, by gathering, user slaps vein data and sets up user profile database in bank, and user is slapped venous information and account information is synchronized to Unionpay's settlement platform database, traditional bank card can be replaced, environmental protection and energy saving, bank card duplication robber's brush and bank card can be avoided to lose and to make up the loss and trouble that bring, the mode of real-time verification code is adopted to further increase safety performance in addition during transaction, can allow again the transaction situation of user's real-time awareness account, higher than traditional bank card security coefficient, this transaction system can be widely used in terminal POS consumption and ATM withdrawal.
Embodiment 2
Composition graphs 1, Fig. 2, Fig. 3 and Fig. 4, a kind of Unionpay's transaction system based on palm hand vein recognition certification of the present invention, comprises bank of deposit's information end, Unionpay's settlement platform and terminating unit,
Described bank of deposit information end comprises:
Data Enter delivery unit: for typing user profile and the Stored Value amount of money and be stored in the user profile database in high in the clouds, described user profile comprises user's name, palm vein image information, account number and cell-phone number, and described palm vein image information and account number are shared on the transaction data base of Unionpay's settlement platform;
First reception unit: for receiving the palm vein image information comprising transaction user, the account number of trading account and the transaction request information of dealing money that Unionpay's settlement platform sends;
Set up transaction authentication unit: set up transaction authentication for carrying out, the palm vein image information received and account number are carried out in user profile database coupling certification;
Set up transaction judging unit: for set up transaction authentication by time, judging whether described dealing money is less than or equal to account balance or account can by amount;
Checking code generates unit, for when dealing money is less than or equal to account balance or account can use amount, producing verification code information in real time at random;
First transmission unit: for sending, to user mobile phone, the verification code information that checking code generates unit generation;
2nd transmission unit: for sending the request information obtaining verification code information to Unionpay's settlement platform;
2nd reception unit: for receiving the verification code information that Unionpay's settlement platform sends;
Whether transaction authentication judging unit: for carrying out transaction authentication, judge the accuracy of verification code information and pass within working lipe;
3rd transmission unit: for when transaction authentication passes through, carrying out deducting fees and by Data Update to user profile database, send the information of transaction results to Unionpay's settlement platform and user mobile phone simultaneously;
Described Unionpay settlement platform comprises:
Information acquisition unit: the user shared for obtaining the bank that opens an account slaps vein image information and account number and is stored in the transaction data base in high in the clouds;
First reception unit: for the request information of palm vein image information certification of the transaction user that receiving terminal apparatus sends;
Option dealing authentication unit: for carrying out option dealing certification, carries out coupling certification by the palm vein image information received in transaction data base;
First transmission unit: when passing through for option dealing certification, sends all account number meeting palm vein image information to terminating unit, sends the request information of option dealing account number and dealing money to terminating unit;
2nd reception unit: the current trading account number of transaction user's selection sent for receiving terminal apparatus and the information of dealing money;
2nd transmission unit: for sending palm vein image information, the account number of trading account and the transaction request information of dealing money comprising transaction user to bank of deposit's information end;
3rd reception unit: for receiving the request information of the acquisition verification code information that bank of deposit's information end sends;
3rd transmission unit: for sending the request information obtaining verification code information to terminating unit;
4th reception unit: for the information of the verification code information that receiving terminal apparatus sends;
4th transmission unit: for sending the information of verification code information to bank of deposit's information end;
5th reception unit: for receiving the information of the transaction results that bank of deposit's information end sends;
5th transmission unit: for sending the information of transaction results to terminating unit;
Described terminating unit comprises:
Information acquisition unit: for obtaining the palm vein image information of current transaction user;
First transmission unit: for the palm vein image information of acquisition is sent to Unionpay's settlement platform request authentication;
First reception unit: for receiving the request information meeting account number information and option dealing account number and the dealing money slapping vein image information that Unionpay's settlement platform sends;
2nd transmission unit: for sending the current trading account number of transaction user's selection and the information of dealing money to Unionpay's settlement platform;
2nd reception unit: for receiving the request information of the acquisition verification code information that Unionpay's settlement platform sends;
3rd transmission unit: for sending the information of verification code information to Unionpay's settlement platform;
3rd reception unit: for receiving the information of the transaction results that Unionpay's settlement platform sends.
The present embodiment is preferred, described palm vein image information is by palm vein image direction of passage differential histogram method binary conversion treatment and repairs and strengthen the rear eigenwert extracted according to ISO/IEC19795 algorithm, described palm vein image is by slapping vein image acquisition device collection, described palm vein image acquisition device collection palm vein main line and thin portion drape characteristic image, described palm vein image acquisition device comprises infrared rays CCD camera, sensor and optical filtering, and infrared imaging wavelength is 700～1000nm.
The present embodiment is preferred, the Data Enter delivery unit of described bank of deposit information end comprises palm vein image acquisition device and palm vein image data processing module, the information acquisition unit of described terminating unit comprises palm vein image acquisition device and palm vein image data processing module, and described palm vein image data processing module is by palm vein image direction of passage differential histogram method binary conversion treatment and extracts eigenwert according to ISO/IEC19795 algorithm after repairing enhancing.
The present embodiment is preferred, and described bank of deposit information end is also provided with the 4th transmission unit, for when dealing money is greater than account balance or account can use amount, sends to Unionpay's settlement platform that " remaining sum deficiency, cannot conclude the business! " information.
The present embodiment is preferred, and described Unionpay settlement platform is also provided with the 6th transmission unit, and for obstructed out-of-date in option dealing certification, to terminating unit transmission, " user profile does not exist, and cannot conclude the business! " information.
The present embodiment is preferred, and described bank of deposit information end is also provided with the 5th transmission unit, for when carrying out transaction authentication, sending the information of " checking code mistake, conclude the business unsuccessfully " during checking code mistake to Unionpay's settlement platform; When verifying that code is correct but exceedes working lipe, bank of deposit's information end sends the information of " checking time-out, conclude the business unsuccessfully " to Unionpay's settlement platform.
The present embodiment is preferred, penny ante for the convenience of the user, and user, when bank of deposit sets up account, can set laissezpasser code checking turnover, but laissezpasser code checking turnover must not exceed Renminbi 5000 yuan.When user is when concluding the business, bank of deposit's information end judges, when dealing money is less than the laissezpasser code checking turnover of its setting, skips and sends the checking code checking stage, direct dealing success.
The present embodiment is preferred, and described terminating unit is POS or ATM, and described POS or ATM comprise palm vein image acquisition device and palm vein image data processing module.
When terminating unit is POS, POS comprises display screen, button, information acquisition unit and the unit that communicates, described information acquisition unit comprises palm vein image acquisition device and palm vein image data processing module, during use, the palm vein image acquisition device of POS gathers the palm vein image of user, palm vein image data processing module is by the palm vein image direction of passage differential histogram method binary conversion treatment of collection and repairs and strengthens rear foundation ISO/IEC19795 algorithm extraction eigenwert, the user profile of collection is sent to Unionpay's settlement platform by communication unit by POS, Unionpay's settlement platform mates relevant information in a database after receiving user profile, then the account number information of this user is sent to POS, user carries out option dealing account, it is sent to Unionpay's settlement platform after trade company's input dealing money, the bank of deposit that Unionpay's settlement platform is sent to corresponding account according to the information received carries out transaction request, bank of deposit's information end carries out setting up transaction authentication, set up transaction authentication by after judge, when dealing money is less than or equal to remaining sum or available amount, checking code is sent to user by bank of deposit's information end, and the request information obtaining verification code information is sent to Unionpay's settlement platform, Unionpay's settlement platform sends the request information obtaining verification code information to POS, in POS input, user verifies that code send is to Unionpay's settlement platform, checking code is sent to bank of deposit's information end by Unionpay's settlement platform, checking code is verified by bank of deposit's information end, checking code is correct and then concludes the business successfully within working lipe, bank of deposit's information end sends transaction results information to Unionpay's settlement platform and user mobile phone, Unionpay's settlement platform sends transaction results information to POS, transaction completes.
When terminating unit is ATM, ATM comprises information acquisition unit, described information acquisition unit comprises palm vein image acquisition device and palm vein image data processing module, the palm vein image of the palm vein image acquisition device collection user of ATM when user withdraws the money, palm vein image data processing module is by the palm vein image direction of passage differential histogram method binary conversion treatment of collection and repairs and strengthens rear foundation ISO/IEC19795 algorithm extraction eigenwert, the user profile of collection is sent to Unionpay's settlement platform by ATM, Unionpay's settlement platform mates relevant information in a database after receiving user profile, then the account number information of this user is sent to ATM, user carries out being sent to Unionpay's settlement platform after selection to be withdrawn the money account and be inputted withdraw funds, the bank of deposit that Unionpay's settlement platform is sent to corresponding account according to the information received carries out transaction request, bank of deposit's information end carries out setting up transaction authentication, set up transaction authentication by after judge, when dealing money is less than or equal to remaining sum or available amount, checking code is sent to user by bank of deposit's information end, and the request information obtaining verification code information is sent to Unionpay's settlement platform, Unionpay's settlement platform sends the request information obtaining verification code information to ATM, in ATM input, user verifies that code send is to Unionpay's settlement platform, checking code is sent to bank of deposit's information end by Unionpay's settlement platform, checking code is verified by bank of deposit's information end, checking code is correct and then concludes the business successfully within working lipe, bank of deposit's information end sends transaction results information to Unionpay's settlement platform and user mobile phone, Unionpay's settlement platform sends transaction results information to ATM, ATM goes out money, withdraw the money.
The useful effect of the present embodiment: everyone palm vein pattern is uniqueness, and other people cannot copy the information of stealing, to palm surface decortication perspires also do not have what requirement, recognition rate is very high, and false proof safety and health is had safely good guarantee. Opening an account, by gathering, user slaps vein data and sets up user profile database in bank, and user is slapped venous information and account information is synchronized to Unionpay's settlement platform database, traditional bank card can be replaced, environmental protection and energy saving, bank card duplication robber's brush and bank card can be avoided to lose and to make up the loss and trouble that bring, the mode of real-time verification code is adopted to further increase safety performance in addition during transaction, can allow again the transaction situation of user's real-time awareness account, higher than traditional bank card security coefficient.
Set forth a lot of detail in the above description so that fully understanding the present invention. But above description is only the better embodiment of the present invention, the present invention can implement to be much different from alternate manner described here, and therefore the present invention is not by the disclosed concrete restriction implemented above. Any those skilled in the art are not departing from technical solution of the present invention scope situation simultaneously, all can utilize the Method and Technology content of above-mentioned announcement that technical solution of the present invention is made many possible variations and modification, or be revised as the equivalent embodiment of equivalent variations. Every content not departing from technical solution of the present invention, the technical spirit of foundation the present invention, to any simple modification made for any of the above embodiments, equivalent variations and modification, all still belongs in the scope of technical solution of the present invention protection.
Claims (10)
1. the Unionpay's transaction system based on palm hand vein recognition certification, it is characterised in that: comprise bank of deposit's information end, Unionpay's settlement platform and terminating unit,
Described bank of deposit information end is for typing user profile and the Stored Value amount of money and is stored in the user profile database in high in the clouds, described user profile comprises user's name, palm vein image information, account number and cell-phone number, and described palm vein image information and account number are shared on the transaction data base of Unionpay's settlement platform; Receive the palm vein image information comprising transaction user, the account number of trading account and the transaction request information of dealing money that Unionpay's settlement platform sends; Carry out setting up transaction authentication, the palm vein image information received and account number are carried out in user profile database coupling certification; Set up transaction authentication by time, judging whether described dealing money is less than or equal to account balance or account can by amount; When dealing money is less than or equal to account balance or account can use amount, send verification code information to user mobile phone; The request information obtaining verification code information is sent to Unionpay's settlement platform; Receive the verification code information that Unionpay's settlement platform sends; Carry out transaction authentication, judge the accuracy of verification code information and whether pass within working lipe; When transaction authentication passes through, carry out deducting fees and by Data Update to user profile database, send the information of transaction results to Unionpay's settlement platform and user mobile phone simultaneously;
The user that described Unionpay settlement platform is shared for obtaining the bank that opens an account slaps vein image information and account number and is stored in the transaction data base in high in the clouds; The request information of the palm vein image information certification of the transaction user that receiving terminal apparatus sends; Carry out option dealing certification, the palm vein image information received is carried out in transaction data base coupling certification;When option dealing certification is passed through, send all account number meeting palm vein image information to terminating unit, send the request information of option dealing account number and dealing money to terminating unit; The information of the trading account number that the current transaction user that receiving terminal apparatus sends selects and dealing money; The palm vein image information, the account number of trading account and the transaction request information of dealing money that comprise transaction user is sent to bank of deposit's information end; Receive the request information of the acquisition verification code information that bank of deposit's information end sends; The request information obtaining verification code information is sent to terminating unit; The information of the verification code information that receiving terminal apparatus sends; The information of verification code information is sent to bank of deposit's information end; Receive the information of the transaction results that bank of deposit's information end sends; The information of transaction results is sent to terminating unit;
Described terminating unit is for obtaining the palm vein image information of current transaction user, and the palm vein image information of acquisition is sent to Unionpay's settlement platform request authentication; Receive the request information meeting account number information and option dealing account number and the dealing money slapping vein image information that Unionpay's settlement platform sends; The current trading account number of transaction user's selection and the information of dealing money is sent to Unionpay's settlement platform; Receive the request information of the acquisition verification code information that Unionpay's settlement platform sends; The information of verification code information is sent to Unionpay's settlement platform; Receive the information of the transaction results that Unionpay's settlement platform sends.
2. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 1, it is characterized in that: described palm vein image information is by palm vein image direction of passage differential histogram method binary conversion treatment and repairs and strengthen the rear eigenwert extracted according to ISO/IEC19795 algorithm, described palm vein image is by slapping vein image acquisition device collection, described palm vein image acquisition device collection palm vein main line and thin portion drape characteristic image, described palm vein image acquisition device comprises infrared rays CCD camera, sensor and optical filtering.
3. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 1, it is characterised in that: described bank of deposit information end is when carrying out transaction authentication, and the working lipe of described checking code is 60s.
4. the Unionpay's transaction system based on palm hand vein recognition certification, it is characterised in that: comprise bank of deposit's information end, Unionpay's settlement platform and terminating unit,
Described bank of deposit information end comprises:
Data Enter delivery unit: for typing user profile and the Stored Value amount of money and be stored in the user profile database in high in the clouds, described user profile comprises user's name, palm vein image information, account number and cell-phone number, and described palm vein image information and account number are shared on the transaction data base of Unionpay's settlement platform;
First reception unit: for receiving the palm vein image information comprising transaction user, the account number of trading account and the transaction request information of dealing money that Unionpay's settlement platform sends;
Set up transaction authentication unit: set up transaction authentication for carrying out, the palm vein image information received and account number are carried out in user profile database coupling certification;
Set up transaction judging unit: for set up transaction authentication by time, judging whether described dealing money is less than or equal to account balance or account can by amount;
Checking code generates unit, for when dealing money is less than or equal to account balance or account can use amount, producing verification code information in real time at random;
First transmission unit: for sending, to user mobile phone, the verification code information that checking code generates unit generation;
2nd transmission unit: for sending the request information obtaining verification code information to Unionpay's settlement platform;
2nd reception unit: for receiving the verification code information that Unionpay's settlement platform sends;
Whether transaction authentication judging unit: for carrying out transaction authentication, judge the accuracy of verification code information and pass within working lipe;
3rd transmission unit: for when transaction authentication passes through, carrying out deducting fees and by Data Update to user profile database, send the information of transaction results to Unionpay's settlement platform and user mobile phone simultaneously;
Described Unionpay settlement platform comprises:
Information acquisition unit: the user shared for obtaining the bank that opens an account slaps vein image information and account number and is stored in the transaction data base in high in the clouds;
First reception unit: for the request information of palm vein image information certification of the transaction user that receiving terminal apparatus sends;
Option dealing authentication unit: for carrying out option dealing certification, carries out coupling certification by the palm vein image information received in transaction data base;
First transmission unit: when passing through for option dealing certification, sends all account number meeting palm vein image information to terminating unit, sends the request information of option dealing account number and dealing money to terminating unit;
2nd reception unit: the current trading account number of transaction user's selection sent for receiving terminal apparatus and the information of dealing money;
2nd transmission unit: for sending palm vein image information, the account number of trading account and the transaction request information of dealing money comprising transaction user to bank of deposit's information end;
3rd reception unit: for receiving the request information of the acquisition verification code information that bank of deposit's information end sends;
3rd transmission unit: for sending the request information obtaining verification code information to terminating unit;
4th reception unit: for the information of the verification code information that receiving terminal apparatus sends;
4th transmission unit: for sending the information of verification code information to bank of deposit's information end;
5th reception unit: for receiving the information of the transaction results that bank of deposit's information end sends;
5th transmission unit: for sending the information of transaction results to terminating unit;
Described terminating unit comprises:
Information acquisition unit: for obtaining the palm vein image information of current transaction user;
First transmission unit: for the palm vein image information of acquisition is sent to Unionpay's settlement platform request authentication;
First reception unit: for receiving the request information meeting account number information and option dealing account number and the dealing money slapping vein image information that Unionpay's settlement platform sends;
2nd transmission unit: for sending the current trading account number of transaction user's selection and the information of dealing money to Unionpay's settlement platform;
2nd reception unit: for receiving the request information of the acquisition verification code information that Unionpay's settlement platform sends;
3rd transmission unit: for sending the information of verification code information to Unionpay's settlement platform;
3rd reception unit: for receiving the information of the transaction results that Unionpay's settlement platform sends.
5. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 4, it is characterized in that: described palm vein image information is by palm vein image direction of passage differential histogram method binary conversion treatment and repairs and strengthen the rear eigenwert extracted according to ISO/IEC19795 algorithm, described palm vein image is by slapping vein image acquisition device collection, described palm vein image acquisition device collection palm vein main line and thin portion drape characteristic image, described palm vein image acquisition device comprises infrared rays CCD camera, sensor and optical filtering.
6. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 5, it is characterized in that: the Data Enter delivery unit of described bank of deposit information end comprises palm vein image acquisition device and palm vein image data processing module, the information acquisition unit of described terminating unit comprises palm vein image acquisition device and palm vein image data processing module, and described palm vein image data processing module is by palm vein image direction of passage differential histogram method binary conversion treatment and extracts eigenwert according to ISO/IEC19795 algorithm after repairing enhancing.
7. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 4, it is characterized in that: described bank of deposit information end is also provided with the 4th transmission unit, for when dealing money is greater than account balance or account can use amount, to Unionpay settlement platform send " remaining sum is not enough, cannot conclude the business! " information.
8. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 4, it is characterized in that: described Unionpay settlement platform is also provided with the 6th transmission unit, for obstructed out-of-date in option dealing certification, to terminating unit send " user profile does not exist, and cannot conclude the business! " information.
9. the Unionpay's transaction system based on palm hand vein recognition certification according to claim 4, it is characterized in that: described bank of deposit information end is also provided with the 5th transmission unit, for when carrying out transaction authentication, send the information of " checking code mistake, conclude the business unsuccessfully " to Unionpay's settlement platform during checking code mistake; When verifying that code is correct but exceedes working lipe, bank of deposit's information end sends the information of " checking time-out, conclude the business unsuccessfully " to Unionpay's settlement platform.
10. according to any one of claim 4-9 based on the palm hand vein recognition certification Unionpay's transaction system, it is characterized in that: described terminating unit is POS or ATM, described POS or ATM comprise palm vein image acquisition device and palm vein image data processing module.
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| CN201610172380.6A CN105678534A (en) | 2016-03-24 | 2016-03-24 | Unionpay transaction system and device based on palm vein identification authentication |
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| CN201610172380.6A CN105678534A (en) | 2016-03-24 | 2016-03-24 | Unionpay transaction system and device based on palm vein identification authentication |
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