CN106296185A - A kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic - Google Patents
A kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic Download PDFInfo
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- CN106296185A CN106296185A CN201510247175.7A CN201510247175A CN106296185A CN 106296185 A CN106296185 A CN 106296185A CN 201510247175 A CN201510247175 A CN 201510247175A CN 106296185 A CN106296185 A CN 106296185A
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- 230000003993 interaction Effects 0.000 claims abstract description 7
- 238000000034 method Methods 0.000 claims description 20
- 230000008569 process Effects 0.000 claims description 17
- 230000008878 coupling Effects 0.000 claims description 15
- 238000010168 coupling process Methods 0.000 claims description 15
- 238000005859 coupling reaction Methods 0.000 claims description 15
- 230000013011 mating Effects 0.000 claims description 13
- 238000012790 confirmation Methods 0.000 claims description 9
- 230000006641 stabilisation Effects 0.000 claims description 4
- 238000011105 stabilization Methods 0.000 claims description 4
- 208000010513 Stupor Diseases 0.000 claims description 3
- 238000006243 chemical reaction Methods 0.000 claims description 3
- 230000008921 facial expression Effects 0.000 claims description 3
- 230000005540 biological transmission Effects 0.000 claims description 2
- 229910052594 sapphire Inorganic materials 0.000 claims description 2
- 239000010980 sapphire Substances 0.000 claims description 2
- 238000012795 verification Methods 0.000 claims description 2
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Classifications
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/40—Spoof detection, e.g. liveness detection
- G06V40/45—Detection of the body part being alive
Abstract
nullThe present invention relates to a kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic，The development of mobile payment in recent years is the rapidest，Although safety has been promoted but cannot meet small amount by a certain biometric authentication of simple employing simultaneously、Middle volume、The needs of wholesale mobile payment，It is applicable to the user high to mobile payment security relative requirement，And it is the most easy-to-use，All kinds of mobile payment means can be used flexibly according to paying amount，So also being adapted for common mobile payment user，Including microprocessor module、NFC module、PROM and encryption biological characteristic validation module、Fingerprint characteristic acquisition module、Ecg characteristics acquisition module、Photographic head and facial characteristics capture module、Digital signal processing module、Human-computer interaction module、Mobile communication module、Locating module、Power module、Capacitive screen、Button (ON/OFF)、USB interface、Power interface、Photographic head、LED light source、Anti-skidding bonnet、Fingerprint button、Ecg signal acquiring electrode.
Description
Art
The present invention relates to a kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic.
Background technology
The development of mobile payment in recent years is more rapid, but there is also some such as terminal loss, assume another's name use, amount paid
Spend problem little, that security level is the highest, use a certain biometric authentication that safety has been promoted although simple
But small amount, middle volume, the needs of wholesale mobile payment cannot be met simultaneously, compound other based on biological characteristic in the urgent need to one
The high-security mobile payment terminal of card promotes mobile payment security and users to trust degree in the case of not damaging Consumer's Experience.
Summary of the invention
The technical problem to be solved is to provide a kind of high-security mobile payment being combined circumstantial evidence based on biological characteristic
Terminal, it is applicable to the user high to mobile payment security relative requirement, and the most easy-to-use, can transport flexibly according to paying amount
By all kinds of mobile payment means, so also being adapted for common mobile payment user.
The scheme that the present invention solves above-mentioned technical problem is as follows: a kind of high-security mobile being combined circumstantial evidence based on biological characteristic
Payment terminal；Including microprocessor module (1), NFC module (2), PROM and encryption biological characteristic validation module (3),
Fingerprint characteristic acquisition module (4), ecg characteristics acquisition module (5), photographic head and facial characteristics capture module (6), numeral letter
Number processing module (7), human-computer interaction module (8), mobile communication module (9), locating module (10), power module (11),
Capacitive screen (12), button (ON/OFF) (13), USB interface (14) power interface (15), photographic head (16), LED
Light source (17), anti-skidding bonnet (18), fingerprint button (19), ecg signal acquiring electrode (20)
Described microprocessor module (1), is in core, the following all modules of connection: NFC module (2), PROM
And encryption biological characteristic validation module (3), fingerprint characteristic acquisition module (4), ecg characteristics acquisition module (5), photographic head and
Facial characteristics capture module (6), digital signal processing module (7), human-computer interaction module (8), mobile communication module (9),
Locating module (10), power module (11).
On the basis of technique scheme, the present invention also can do following improvement.
Further, described ecg characteristics acquisition module (5), containing ecg signal acquiring electrode (20), can detect collection and make
The heart real time signal of user, and the signal collected is sent to digital signal processing module (7).
Described digital signal processing module (7), starts after fingerprint characteristic acquisition module collects terminal owner's fingerprint,
The signal sending ecg characteristics acquisition module (5) is amplified, filters, A/D conversion, obtains heart rate and dynamic waveform signal,
And with PROM and the encryption heart rate that stored of biological characteristic validation module (3) interior owner and the checking of dynamic waveform signal characteristic, if
Do not mate then termination mobile payment process, if coupling, confirmation will be sent.
Described fingerprint characteristic acquisition module (4), containing fingerprint button (19), by fingerprint sensor, sapphire panel, silver
Making ring-like cover plate, temperature inductor composition, when meeting following two condition at the same time, startup i.e. photographic head and facial characteristics catch mould
Terminal owner's facial characteristics identification is proved to be successful by block (6), temperature inductor senses user finger temperature and confirms that temperature is steady
Surely being in 37 degree (positive and negative 5 degree), gather user finger print data, if not mating, stopping mobile payment process, if coupling,
Confirmation will be sent.
Described photographic head and facial characteristics capture module (6), send out after can automatically catching user specific dynamic facial characteristics
Give PROM and encryption biological characteristic validation module (3), PROM and encryption biological characteristic validation module (3) to add inside it
Terminal owner's facial characteristics of close storage in contrast, if not mating, stops mobile payment process, if coupling, transmission is encrypted
Confirmation.
Described PROM and encryption biological characteristic validation module (3), it receives fingerprint characteristic acquisition module (4), ecg characteristics
The information that acquisition module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7) send, and with
Its internal cryptographic storage one-time write and the terminal owner each biological characteristic contrast that can not revise, due to each biology of terminal owner
Feature is all one-time write and can not revise, and having stopped disabled user and has revised the probability walking around checking, if not mating, having stopped
Mobile payment process, if coupling, will send encrypted acknowledgment information.
Described NFC module (2), pay amount less than terminal owner preset value MIN time can exempt from biological characteristic circumstantial evidence verify into
Row pay, pay amount more than terminal owner preset value MIN but less than preset value MAX time, can according to be previously set carry out a certain
The circumstantial evidence checking of biological characteristic, when paying amount more than preset value MAX, it is necessary to carries out after biological characteristic is combined circumstantial evidence checking
Just can carry out.
Embodiment of the present invention has following innovation in terms of existing technologies, is paying amount less than terminal owner's preset value
The checking of biological characteristic circumstantial evidence can be exempted from during MIN pay, pay amount more than terminal owner preset value MIN but less than preset value
During MAX, can be according to the circumstantial evidence checking that carry out a certain item biological characteristic be previously set, when paying amount more than preset value MAX,
Must carry out just carrying out after biological characteristic is combined circumstantial evidence checking；Small amount payment laissezpasser is convenient and swift, middle volume safety of payment with just
Victory is had both；It is all linked with one another that wholesale pays authentication process itself, needs to be activated, then by the specific dynamic facial expression of terminal use
Need user finger temperature and confirm that temperature stabilization is in 37 degree (positive and negative 5 degree), gathering user finger print data, be verified
After could activate ecg characteristics acquisition module (5) and digital signal processing module (7), obtain heart rate and dynamic waveform signal and with
Heart rate and dynamic waveform signal characteristic that PROM and encryption biological characteristic validation module (3) interior terminal owner have stored are verified, if
Do not mate then termination mobile payment process, if coupling, confirmation will be sent, effectively prevent terminal use's stupor, without life
Safety problem when sign, fingerprint are stolen, solve such as terminal loss, assume another's name use, amount paid spend little, safety
The problem that rank is the highest, although also solve simple use a certain biometric authentication that safety has been promoted but
The problem that cannot simultaneously meet the needs of small amount, middle volume, wholesale mobile payment, promotes in the case of not damaging Consumer's Experience and moves
Dynamic payment safety and users to trust degree.
Accompanying drawing explanation
Fig. 1 is a kind of high-security mobile payment terminal module schematic diagram being combined circumstantial evidence based on biological characteristic of the present invention.
Fig. 2 is a kind of high-security mobile payment terminal front view being combined circumstantial evidence based on biological characteristic of the present invention.
Fig. 3 is a kind of high-security mobile payment terminal rearview being combined circumstantial evidence based on biological characteristic of the present invention.
Fig. 4 is a kind of high-security mobile payment terminal side view being combined circumstantial evidence based on biological characteristic of the present invention.
In accompanying drawing, module and list of parts representated by each label are as follows:
1. microprocessor module, 2.NFC module, 3.PROM and encryption biological characteristic validation module, 4. fingerprint characteristic collection
Module, 5. ecg characteristics acquisition module, 6. photographic head and facial characteristics capture module, 7. digital signal processing module, man-machine
Interactive module, 9. mobile communication module, 10. locating module, 11. power modules, 12. capacitive screen, 13. buttons (open/
Close), 14.USB interface, 15. power interfaces, 16. photographic head, 17.LED light source, 18. anti-skidding bonnets, 19. fingerprint buttons, 20. hearts
Electrical signal collection electrode
Detailed description of the invention
Being described further principle and the feature of the present invention below in conjunction with embodiment accompanying drawing, example is served only for explaining this
Invention, is not intended to limit the scope of the present invention.
As shown in Figure 1,2,3, 4, the present embodiment relates to a kind of being combined the high-security mobile of circumstantial evidence based on biological characteristic and propping up
Pay terminal, including microprocessor module (1), NFC module (2), PROM and encryption biological characteristic validation module (3), refer to
Stricture of vagina collection apparatus module (4), ecg characteristics acquisition module (5), photographic head and facial characteristics capture module (6), digital signal
Processing module (7), human-computer interaction module (8), mobile communication module (9), locating module (10), power module (11),
Capacitive screen (12), button (ON/OFF) (13), USB interface (14) power interface (15), photographic head (16), LED
Light source (17), anti-skidding bonnet (18), fingerprint button (19), ecg signal acquiring electrode (20)
As shown in Figure 1,2,3, 4, in the present embodiment, described microprocessor module (1), it is in core, couples
The most all modules: NFC module (2), PROM and encryption biological characteristic validation module (3), fingerprint characteristic acquisition module (4),
Ecg characteristics acquisition module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7), man-machine friendship
Module (8), mobile communication module (9), locating module (10), power module (11) mutually.
In the present embodiment, described ecg characteristics acquisition module (5), containing ecg signal acquiring electrode (20), can detect and adopt
The heart real time signal of collection user, and the signal collected is sent to digital signal processing module (7).
In the present embodiment, described digital signal processing module (7), collect terminal owner at fingerprint characteristic acquisition module
Starting after fingerprint, the signal sending ecg characteristics acquisition module (5) is amplified, filters, A/D conversion, obtain heart rate and
Dynamic waveform signal, and with PROM and the encryption heart rate that stored of biological characteristic validation module (3) interior owner and dynamic waveform letter
Number signature verification, if not mating, stopping mobile payment process, if coupling, will send confirmation.
In the present embodiment, described fingerprint characteristic acquisition module (4), containing fingerprint button (19), by fingerprint sensor, indigo plant
The ring-like cover plate of gem panel, silvery, temperature inductor form, startup i.e. photographic head and face when meeting following two condition at the same time
Terminal owner's facial characteristics identification is proved to be successful by portion's Feature capturing module (6), temperature inductor senses user finger temperature
And confirm that temperature stabilization is in 37 degree (positive and negative 5 degree), gathering user finger print data, if not mating, stopping mobile payment
Journey, if coupling, will send confirmation.
In the present embodiment, described photographic head and facial characteristics capture module (6), can automatically catch user specific dynamic
PROM and encryption biological characteristic validation module (3), PROM and encryption biological characteristic validation module (3) it is sent to after facial characteristics
The terminal owner's facial characteristics that can be stored by its internal cryptographic in contrast, if not mating, stops mobile payment process, if coupling
Then will send encrypted acknowledgment information.
In the present embodiment, described PROM and encryption biological characteristic validation module (3), it receives fingerprint characteristic acquisition module
(4), ecg characteristics acquisition module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7) are sent out
The information sent, and store one-time write and the terminal owner each biological characteristic contrast that can not revise with its internal cryptographic, due to end
Each biological characteristic of end owner is all one-time write and can not revise, and has stopped disabled user and has revised the probability walking around checking,
If not mating, stopping mobile payment process, if coupling, encrypted acknowledgment information will be sent.
In the present embodiment, described NFC module (2), can exempt from biological special when paying amount less than terminal owner preset value MIN
Levy circumstantial evidence checking to pay, when paying amount and be more than terminal owner preset value MIN but less than preset value MAX, can be according in advance
It is set for the circumstantial evidence checking of a certain item biological characteristic, when paying amount more than preset value MAX, it is necessary to carry out biological characteristic multiple
Just can carry out after closing circumstantial evidence checking.
In the present embodiment, described a kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic, small amount payment
Laissezpasser is convenient and swift, and middle volume safety of payment has both with convenient；It is all linked with one another that wholesale pays authentication process itself, needs by terminal
The specific dynamic facial expression of user activates, and then needs user finger temperature and confirms that temperature stabilization is in 37 degree (positive and negative 5 degree),
Gather user finger print data, ecg characteristics acquisition module (5) and digital signal processing module (7) after being verified, could be activated,
Obtain heart rate and dynamic waveform signal the heart rate stored with PROM and encryption biological characteristic validation module (3) interior terminal owner
Verify with dynamic waveform signal characteristic, if not mating, stopping mobile payment process, if coupling, confirmation will be sent, effectively
Avoid terminal use's stupor, absence of vital signs, safety problem time fingerprint is stolen, solve such as terminal loss, assume another's name
Use, amount paid spends problem little, that security level is the highest, also solves a certain biometric authentication of simple employing
Although safety has been promoted but the problem of the needs of small amount, middle volume, wholesale mobile payment cannot have been met, not simultaneously
Mobile payment security and users to trust degree is promoted in the case of infringement Consumer's Experience.
In the present embodiment, described microprocessor (1) can useValiant dragonTM800, it is internally integrated 28nm HPm
Four core Krait 400CPU, Adreno 330GPU.
In the present embodiment, described human-computer interaction module (8) is by capacitive screen (12), button (ON/OFF) (13), electricity
Appearance formula screen (12) can use 80mm × 110mm, 16,000,000 color 1280 × 800 resolution TFT IPS capacitive screen.
In the present embodiment, described photographic head and facial characteristics capture module (6) use LED light source (17) and high-definition camera
(16), it is possible to round-the-clock seizure user facial characteristics by day or under the complex situations such as night, light flash.
In the present embodiment, described mobile communication module (9) includes but not limited to 2G, 3G, 4G communication chip.
In the present embodiment, described power module (11) can meet standby requirement in 240 hours.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all in the spirit and principles in the present invention
Within, any modification, equivalent substitution and improvement etc. made, should be included within the scope of the present invention.
Claims (9)
1. it is combined a high-security mobile payment terminal for circumstantial evidence based on biological characteristic, including microprocessor module (1), NFC
Module (2), PROM and encryption biological characteristic validation module (3), fingerprint characteristic acquisition module (4), ecg characteristics collection
Module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7), human-computer interaction module (8),
Mobile communication module (9), locating module (10), power module (11), capacitive screen (12), button (ON/OFF)
(13), USB interface (14) power interface (15), photographic head (16), LED light source (17), anti-skidding bonnet (18),
Fingerprint button (19), ecg signal acquiring electrode (20).
2. according to claim 1, described microprocessor module (1), it is in core, couples following all modules: NFC
Module (2), PROM and encryption biological characteristic validation module (3), fingerprint characteristic acquisition module (4), ecg characteristics collection
Module (5), photographic head and facial characteristics capture module (6), digital signal processing module (7), human-computer interaction module (8),
Mobile communication module (9), locating module (10), power module (11).
3. according to claim 1, described ecg characteristics acquisition module (5), it is characterised in that containing ecg signal acquiring electrode
(20), the heart real time signal gathering user can be detected, and the signal collected is sent to digital signal processing module
(7)。
4. according to claim 1, described digital signal processing module (7), it is characterised in that at fingerprint characteristic acquisition module
Collecting and start after terminal owner's fingerprint, the signal sending ecg characteristics acquisition module (5) is amplified, filters, A/D
Conversion, obtains heart rate and dynamic waveform signal, and deposits with PROM and encryption biological characteristic validation module (3) interior owner
The heart rate of storage and the checking of dynamic waveform signal characteristic, if not mating, stop mobile payment process, if coupling, will send really
Recognize information.
5. according to claim 1, described fingerprint characteristic acquisition module (4), it is characterised in that containing fingerprint button (19),
It is made up of fingerprint sensor, sapphire panel, the ring-like cover plate of silvery, temperature inductor, meets following two bar at the same time
During part startup i.e. photographic head and facial characteristics capture module (6) terminal owner's facial characteristics identification is proved to be successful, temperature sense
Answer device sense user finger temperature and confirm that temperature stabilization is in 37 degree (positive and negative 5 degree), gather user fingerprint number
According to, if not mating, stopping mobile payment process, if coupling, confirmation will be sent.
6. according to claim 1, described photographic head and facial characteristics capture module (6), it is characterised in that can automatically catch
PROM and encryption biological characteristic validation module (3), PROM and encryption biology it is sent to after user specific dynamic facial characteristics
Terminal owner's facial characteristics that its internal cryptographic can be stored by signature verification module (3) in contrast, if not mating, stops
Mobile payment process, if coupling, will send encrypted acknowledgment information.
7. according to claim 1, described PROM and encryption biological characteristic validation module (3), it is characterised in that it receives
Fingerprint characteristic acquisition module (4), ecg characteristics acquisition module (5), photographic head and facial characteristics capture module (6), number
The information that word signal processing module (7) sends, and store one-time write and the terminal master that can not revise with its internal cryptographic
The each biological characteristic of people contrasts, and owing to each biological characteristic of terminal owner is all one-time write and can not revise, has stopped non-
Method user revises the probability walking around checking, if not mating, stops mobile payment process, if coupling, by transmission encryption really
Recognize information.
8. according to claim 1, described NFC module (2), it is characterised in that preset less than terminal owner paying amount
The checking of biological characteristic circumstantial evidence can be exempted from during value MIN pay, pay amount more than terminal owner preset value MIN but less than pre-
If during value MAX, amount can paid more than preset value according to the circumstantial evidence checking carrying out a certain item biological characteristic is previously set
During MAX, it is necessary to carry out just carrying out after biological characteristic is combined circumstantial evidence checking.
9., according to claim 1, described a kind of high-security mobile payment terminal being combined circumstantial evidence based on biological characteristic, it is special
Levy and be, the checking of biological characteristic circumstantial evidence can be exempted from when paying amount less than terminal owner preset value MIN and pay, pay
When amount is more than terminal owner preset value MIN but is less than preset value MAX, a certain item biology spy can be carried out according to being previously set
The circumstantial evidence checking levied, when paying amount more than preset value MAX, it is necessary to carries out biological characteristic and is combined ability after circumstantial evidence checking
Carry out；Small amount payment laissezpasser is convenient and swift, and middle volume safety of payment has both with convenient；Wholesale pays authentication process itself ring
Ring interlocks, and needs to be activated by the specific dynamic facial expression of terminal use, then needs user finger temperature and confirm temperature
Stably it is in 37 degree (positive and negative 5 degree), gathers user finger print data, ecg characteristics collection after being verified, could be activated
Module (5) and digital signal processing module (7), obtain heart rate and dynamic waveform signal spy biological with PROM and encryption
Levying heart rate and the checking of dynamic waveform signal characteristic that authentication module (3) interior terminal owner has stored, if not mating, stopping to move
Dynamic payment process, if coupling, will send confirmation, effectively prevent terminal use's stupor, absence of vital signs, fingerprint
Safety problem when being stolen, solve such as terminal loss, assume another's name to use, amount paid spends little, security level not
High problem, has promoted safety but nothing although also solving a certain biometric authentication of simple employing
Method meets the problem of the needs of small amount, middle volume, wholesale mobile payment simultaneously, promotes in the case of not damaging Consumer's Experience
Mobile payment security and users to trust degree.
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| WO2018233110A1 (en) * | 2017-06-21 | 2018-12-27 | 联想(北京)有限公司 | Payment data verification method and device |
| CN107392613A (en) * | 2017-06-23 | 2017-11-24 | 广东小天才科技有限公司 | A kind of customer transaction verification method and terminal device |
| CN107506627A (en) * | 2017-07-11 | 2017-12-22 | 国网浙江桐庐县供电公司 | A kind of information network security of power system operating control device |
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| CN114708667A (en) * | 2022-03-14 | 2022-07-05 | 江苏东方数码系统集成有限公司 | Security method and system based on multiple biological recognition technology |
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