CN106056371A - Remote trusted payment method - Google Patents
Remote trusted payment method Download PDFInfo
- Publication number
- CN106056371A CN106056371A CN201610357361.0A CN201610357361A CN106056371A CN 106056371 A CN106056371 A CN 106056371A CN 201610357361 A CN201610357361 A CN 201610357361A CN 106056371 A CN106056371 A CN 106056371A
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- Prior art keywords
- payment
- iris
- remote
- equipment
- account
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- 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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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
Abstract
The invention discloses a remote trusted payment method. The method is characterized by comprising the following steps: the step 1, an account and a payment storage system are established on a bank payment terminal or a third-party payment terminal; the step 2, an iris storage system uniquely corresponding to the account is set, and an iris is bound with the account through iris identification equipment; the step 3, a remote terminal with a payment function is set, the iris identification equipment is set at the remote terminal, and connection between the remote terminal and the bank payment terminal or the third-party payment terminal is established; and the step 4, when a user consumes at the remote terminal, iris information is input through the remote terminal, and, after the iris information is matched successfully at the iris storage system, a corresponding client account confirms consumption.
Description
Technical field
The present invention relates to a kind of method of payment, be specifically related to the method for payment of a kind of remote trusted.
Background technology
Along with technology application such as the development of every technology of field of biological recognition and universal, fingerprint, face and iris identification
Achieve flourish, the authentication means such as intelligent and technical precaution (technological prevention), along with national security need also obtain
The strength of state security department popularizes application, and No.2 residence card adds fingerprint recognition management and come into people
Social life, high-tech iris biological identification technology can progressively be made the living atmosphere of safer and more comfortable, then have adaptation
The epoch of information interconnection and Internet of Things need, and as network identity identification, certification and really weigh, inherently become the highest secure identity
The demand of certification, applies to the building of various secret and the discrepancy of the higher office space of safety requirements, it is necessary in authentication
Aspect meets and is perfectly safe and uses comfortable non-contact biological identification to check and approve identity, it is simple to meet following public safety development.
Along with developing rapidly of ecommerce, the demand of trusted payment consumption is increasingly stronger, particularly hacker and some others diligently
Computer and mobile phone wooden horse are implanted by personnel, and online payment is faced with the situation of sternness.Also user it is faced with including banking system
IC-card is replicated, steals brush, and the property safety of people hardly results in guarantee.Owing to iris bio-identification has uniqueness, there is life
Thing can recognize that feature, has irreplaceable characteristic, has the monopoly of absolute vivo identification, has and cannot copy identification feature
Particularity, therefore the development of iris biological identification technology can obtain State-level, or even society accepts and accreditation.
1, iris biological identification technology present situation.
The most domestic in terms of iris biological identification technology, it is to let a hundred schools contend that a hundred flowers blossom, but reality can take out body
Long-pending small and exquisite, power consumption is relatively low, and the still phoenix feathers and unicorn horns of the iris module product of compact conformation, each the iris recognition technology realized is all
Simply on DSP+FPGA exploitation plank or the demonstration program done in Matlab environment, be not reaching to practical and commercialization
Cheng Du, is more not carried out the application of real single-chip mini system, and its reason inside is very simple, the algorithm process process of iris
With the algorithm process process of fingerprint very close to, but finger prints processing carries out the trigonometric function of various characteristic point on a plane picture
Computing, can obtain polar value and feature description, and relatively direct and simpler, iris image is just to present due to iris entirety
Round image, iris feature point, it is present in the plane of a circular arc, it is therefore desirable to iris image by bending circular arc image
Band, is converted into rectangle diagram picture, then carries out pickup and the judgement of characteristic point, therefore in image processing process, for internal memory and CPU
Arithmetic speed all have higher requirements, the matching identification result of iris feature could be provided in rational time interval, therefore
Each does the company of iris identification both at home and abroad, is all difficult to this algorithm operation platform miniaturization and mini system, and micro-merit
Consumption modularity.
And at present iris biotechnology is useless applies in bank or Third-party payment end on a large scale, iris technology phase
Ratio existing fingerprint identification technology and face detection, possess more reliable advance, and such as, fingerprint identification technology can lead to
Crossing fingerprint film to crack, and face detection can carry out phantom bead picture by 3D printer and crack, therefore, design one can
It is used in bank on a large scale or Third-party payment end trusted payment mode is necessary.
Summary of the invention
The present invention is directed in existing bank or Third-party payment method, asking of the poor safety performance that exists and inconvenience
Topic, it is provided that the method for payment of a kind of remote trusted solves the problems referred to above.
The method of payment being achieved in that a kind of remote trusted of the present invention, comprises the following steps:
Step 1: set up account at bank paying end or Third-party payment end and pay storage system；
Step 2: be built in the iris stocking system that account is uniquely corresponding, and by iris identification equipment, iris tied up with account
Fixed；
Step 3: be provided with the remote port of payment function, arranges iris identification equipment at remote port, and by remote port and bank
Payment terminals or Third-party payment end are set up and are connected；
Step 4: when user consumes at remote port, inputs iris information by remote port, when iris information stores system at iris
After system comparison success, corresponding customer account confirms consumption.
The present invention is by arranging an iris identification equipment at remote port so that bank paying end or third party are at comparison rainbow
After film stocking system, to determine subscriber identity information.
In the present invention, described remote port includes mobile phone, POS, computer and post.
In the present invention, as further scheme, being equipped with equipment Serial Number in described remote port equipment, user completes often
One transaction all the payment in bank or Third-party payment platform can store system record, and often notes are recorded all to setting
Standby serial number.
In the present invention, as further scheme, in described step 4, when user consumes at remote port, bank paying end or
First Third-party payment end locks the equipment that user uses, and sends encryption data, and what in remote port, transmission can scan carries
Showing sound, scanning input iris information, after scanning successfully, system is automatically performed payment.
In the present invention, as further scheme, described iris identification equipment is provided with In vivo detection equipment and LED lamplight
Source, when iris identification equipment is when gathering iris data, and LED can be luminous according to default, then the pupil meeting of gathered person
Automatically shrinking, In vivo detection equipment Inspection is then live body to shrinking, and does not the most send alarm, when In vivo detection equipment Inspection is to light
Do not shrink or asynchronous with light shrink time, In vivo detection equipment is recognized prosthese and is sent alarm, takes remote transaction.
The invention has the beneficial effects as follows:
1. can use iris biological identification technology, coordinate remote port that the iris storage that iris identification equipment is arranged with payment end is set
Deposit system carries out iris coupling so that the iris identification a kind of means of payment reliably in becoming remote payment.
2. the present invention can apply to existing multiple existing long-range of mobile phone, POS, computer and post etc.
Fu Duanzhong, to extensively applying conveniently.
3. the present invention its combine existing high in the clouds technology and iris biological identification technology, improve the safety of payment function
Property, it is provided that a kind of method exempting from card payment, save third party's cost of manufacture, compared with existing means of payment, there is revolution
The meaning of property.
Accompanying drawing explanation
Fig. 1 is the overall schematic of the inventive method.
Detailed description of the invention
Describe the present invention below in conjunction with drawings and Examples, in the present embodiment, carry out illustrating as application examples using product
Bright；
Embodiment 1:
The present invention provides the method for payment of a kind of remote trusted, and it includes 2 big parts, including bank paying end and remotely props up
Fu Duan, first sets up Accounting system and iris stocking system at bank paying end, and sets in bank paying end outfit iris identification
Standby, when client opens an account at bank paying end, the iris information of user account information with user is bound；
Setting up iris identification equipment at remote payment end, in the present embodiment, remote payment end is POS, in existing POS
Installing iris identification equipment additional, this POS is connected with bank paying end by long-range connected mode, when customer consumption, and service man
Inputting spending amount in POS, POS connects remote bank payment terminals, iris stocking system and the dress iris identification in POS
Equipment connects, and sends encryption data, sends the prompt tone that can scan, scanning input iris information, scan successfully in POS
After, bank paying end is automatically performed payment；
In the present embodiment, each POS is equipped with independent equipment Serial Number, user complete each transaction all can be at silver
Row payment terminals pays and leaves record in storage system, and often notes are recorded all to there being equipment Serial Number.
Additionally, in the present embodiment, POS is provided with In vivo detection equipment and LED light source, when iris identification equipment is being adopted
During collection iris data, LED can be luminous according to default, then the pupil of gathered person can shrink automatically, In vivo detection equipment
Detect that contraction is then live body, the most do not send alarm, when In vivo detection equipment Inspection to light is not shunk or asynchronous with light
During contraction, In vivo detection equipment is recognized prosthese and is sent alarm, takes remote transaction.
And above-mentioned In vivo detection equipment can realize according to existing biological identification technology, detail technology is no longer carried out
Describe
Embodiment 2:
In the present embodiment, it is provided that the method for payment of another remote trusted, it includes 2 big parts, props up including third party
Pay end and remote payment end, first set up Accounting system and iris stocking system at Third-party payment end, and at Third-party payment
End is equipped with iris identification equipment, when client opens an account at Third-party payment end, by the iris information of user account information Yu user
Bind；
Setting up iris identification equipment at remote payment end, in the present embodiment, remote payment end is mobile phone terminal, on existing mobile phone
Installing iris identification equipment additional, this mobile phone is connected with Third-party payment end by long-range connected mode, and when customer consumption, it is right to enter
The Third-party payment remote port answered, Third-party payment remote port connects remote third party payment terminals, iris stocking system and mobile phone
On dress iris identification equipment connect, and send encryption data, mobile phone send the prompt tone that can scan, scanning input iris
Information, after scanning successfully, is automatically performed payment；
In the present embodiment, each mobile phone is equipped with independent equipment Serial Number, user complete each transaction all can be
Tripartite's payment terminals pays record and the time left in storage system, and often notes are recorded all to there being equipment Serial Number.
Needing emphasis to illustrate, above-mentioned remote port payment technology and bank paying end, Third-party payment end pay skill
Art, all can use existing communication, and chip computers technology realizes, owing to above-mentioned hardware technology is the most ripe, therefore, and this
In invention, on the basis of being only based on hardware feasibility, the technical scheme carrying out novelty illustrates, those skilled in the art,
Technical functionality can be realized in existing technical foundation by referring to the technology point in the present invention.
Last it is noted that obviously, above-described embodiment is only used to example of the present invention is clearly described, and
Not to the restriction implemented.For the those of ordinary skill in described field, can also make on the basis of the above description
The change of other multi-form or variation.Here without also cannot be to all of embodiment party's formula with exhaustive.And thus amplified
Go out obviously changes or changes among still in protection scope of the present invention.
Claims (5)
1. the method for payment of a remote trusted, it is characterised in that comprise the following steps:
Step 1: set up account at bank paying end or Third-party payment end and pay storage system；
Step 2: be built in the iris stocking system that account is uniquely corresponding, and by iris identification equipment, iris tied up with account
Fixed；
Step 3: be provided with the remote port of payment function, arranges iris identification equipment at remote port, and by remote port and bank
Payment terminals or Third-party payment end are set up and are connected；
Step 4: when user consumes at remote port, inputs iris information by remote port, when iris information stores system at iris
After system comparison success, corresponding customer account confirms consumption.
The method of payment of remote trusted the most according to claim 1, it is characterised in that: described remote port includes mobile phone, POS
Machine, computer and post.
The method of payment of remote trusted the most according to claim 1, it is characterised in that: described remote port equipment is equipped with
Equipment Serial Number, user complete each transaction all can in bank or Third-party payment platform payment storage system note
Record, and often notes are recorded all to there being equipment Serial Number.
The method of payment of remote trusted the most according to claim 1, it is characterised in that: in described step 4, when user is far
During Cheng Duan consumption, first bank paying end or Third-party payment end lock the equipment that user uses, and send encryption data, far
Cheng Duanzhong sends the prompt tone that can scan, and scanning input iris information, after scanning successfully, system is automatically performed payment.
The method of payment of remote trusted the most according to claim 1, it is characterised in that: described iris identification equipment is provided with
In vivo detection equipment and LED light source, when iris identification equipment is when gathering iris data, and LED can be sent out according to default
Light, then the pupil of gathered person can shrink automatically, and In vivo detection equipment Inspection is then live body to shrinking, and does not the most send alarm, when
In vivo detection equipment Inspection is not shunk to light or asynchronous with light when shrinking, and In vivo detection equipment recognizes prosthese and send alarm,
Take remote transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610357361.0A CN106056371A (en) | 2016-05-26 | 2016-05-26 | Remote trusted payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610357361.0A CN106056371A (en) | 2016-05-26 | 2016-05-26 | Remote trusted payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106056371A true CN106056371A (en) | 2016-10-26 |
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ID=57174615
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610357361.0A Pending CN106056371A (en) | 2016-05-26 | 2016-05-26 | Remote trusted payment method |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220122169A1 (en) * | 2020-10-20 | 2022-04-21 | David Godwin Frank | Automated, dynamic digital financial management method and system with risk management |
| US11741689B2 (en) | 2020-10-20 | 2023-08-29 | David Godwin Frank | Automated, dynamic digital financial management method and system with phsyical currency capabilities |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103106401A (en) * | 2013-02-06 | 2013-05-15 | 北京中科虹霸科技有限公司 | Mobile terminal iris recognition device with human-computer interaction mechanism and method |
| CN103455913A (en) * | 2013-08-26 | 2013-12-18 | 天地融科技股份有限公司 | NFC payment method, device, system and mobile terminal |
| CN103699996A (en) * | 2012-09-27 | 2014-04-02 | 中国银联股份有限公司 | Payment authentication method based on human biological characteristics |
| CN104252622A (en) * | 2014-10-15 | 2014-12-31 | 倪蔚民 | Mobile terminal front-mounting and iris identification integration photoelectric imaging system and method |
-
2016
- 2016-05-26 CN CN201610357361.0A patent/CN106056371A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103699996A (en) * | 2012-09-27 | 2014-04-02 | 中国银联股份有限公司 | Payment authentication method based on human biological characteristics |
| CN103106401A (en) * | 2013-02-06 | 2013-05-15 | 北京中科虹霸科技有限公司 | Mobile terminal iris recognition device with human-computer interaction mechanism and method |
| CN103455913A (en) * | 2013-08-26 | 2013-12-18 | 天地融科技股份有限公司 | NFC payment method, device, system and mobile terminal |
| CN104252622A (en) * | 2014-10-15 | 2014-12-31 | 倪蔚民 | Mobile terminal front-mounting and iris identification integration photoelectric imaging system and method |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220122169A1 (en) * | 2020-10-20 | 2022-04-21 | David Godwin Frank | Automated, dynamic digital financial management method and system with risk management |
| US11741689B2 (en) | 2020-10-20 | 2023-08-29 | David Godwin Frank | Automated, dynamic digital financial management method and system with phsyical currency capabilities |
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Application publication date: 20161026 |