CN106709730A - Bio-feature identification-based transaction method and apparatus - Google Patents
Bio-feature identification-based transaction method and apparatus Download PDFInfo
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- CN106709730A CN106709730A CN201611271542.8A CN201611271542A CN106709730A CN 106709730 A CN106709730 A CN 106709730A CN 201611271542 A CN201611271542 A CN 201611271542A CN 106709730 A CN106709730 A CN 106709730A
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- 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 discloses a bio-feature identification-based transaction method. The method comprises the steps of obtaining corresponding bank card account information from a transaction request when the transaction request sent by a transaction terminal is received; sending an identity recognition request to a mobile terminal which the bank card account information is logged in currently, thereby enabling the mobile terminal to acquire bio-feature data of a user based on the identity recognition request; when the bio-feature data returned by the mobile terminal is received, detecting whether the bio-feature data is matched with pre-stored bio-feature data bound with the bank card account information or not; and if yes, sending notification information of identity recognition success to the transaction terminal, thereby enabling the transaction terminal to finish a transaction based on the notification information. The invention furthermore provides a bio-feature identification-based transaction apparatus. According to the method and the apparatus, the technical problem of low security coefficient of existing transaction verification is solved.
Description
Technical field
The present invention relates to field of information security technology, more particularly to a kind of method of commerce and dress based on living things feature recognition
Put.
Background technology
Existing bank card business dealing verification mode is usually to carry out password authentification, for example, in ATM (Automatic
Teller Machine, ATM) on when withdrawing the money or transferring accounts, bank card is typically all input into by ATM by user
Password, is verified by bank card system, Successful Transaction by being verified.But the safety coefficient of this cryptographic check mode
Low, if caused, the bank card of user or bank card account number and password are stolen, and the people for stealing account can be stolen using password
The bank card fund at family is taken, is that user brings loss.
The content of the invention
The present invention provides a kind of method of commerce and device based on living things feature recognition, and its main purpose is that solution is existing
Transaction verification the low technical problem of safety coefficient.
To achieve the above object, the present invention provides a kind of method of commerce based on living things feature recognition, should be based on biological special
The method of commerce for levying identification includes：
When the transaction request of transaction terminal transmission is received, corresponding bank card account is obtained from the transaction request
Information；
The mobile terminal currently logged in the bank card account information sends identification and asks, for the movement eventually
End group is in the biological attribute data of identification request collection user；
When the biological attribute data that the mobile terminal is returned is received, the biological attribute data and the silver are detected
Whether the biological attribute data that prestores of row card accounts information binding matches；
If so, the successful announcement information of identification then is sent to the transaction terminal, so that the transaction terminal is based on
The announcement information completes transaction.
Alternatively, the mobile terminal currently logged in the bank card account information sends the step that identification is asked
After rapid, the method for commerce based on living things feature recognition also includes step：
If being not received by the mobile terminal in the prefixed time interval after the identification request is sent to return
The biological attribute data for returning, then send the prompt message of identification failure to the transaction terminal.
Alternatively, it is described to the transaction terminal send identification failure prompt message the step of before, the base
Also include step in the method for commerce of living things feature recognition：
If being not received by the mobile terminal in the prefixed time interval after the identification request is sent to return
The biological attribute data for returning, obtains, and takes and sends identification is asked the to the mobile terminal in the second prefixed time interval
Number；
If first number is less than the first predetermined threshold value, the shifting currently logged in the bank card account information is performed
The step of dynamic terminal transmission identification is asked；
If first number is more than or equal to first predetermined threshold value, performs and send identity to the transaction terminal
The step of prompt message of recognition failures.
Alternatively, the biological characteristic that prestores that the detection biological attribute data is bound with the bank card account information
After the step of whether data match, the method for commerce based on living things feature recognition also includes step：
If mismatching, obtain and send identification is asked the to the mobile terminal in the 3rd prefixed time interval
Two numbers；
If second number be less than the second predetermined threshold value, perform it is described to the mobile terminal send identification please
The step of asking；
If second number is more than or equal to second predetermined threshold value, identification is sent to the transaction terminal
The prompt message of failure.
Alternatively, the biological attribute data includes finger print data, iris data, face characteristic data or vocal print letter
Breath.
Additionally, to achieve the above object, the present invention also provides a kind of transaction system based on living things feature recognition, and this is based on
The transaction system of living things feature recognition includes：
Data obtaining module, for when the transaction request of transaction terminal transmission is received, being obtained from the transaction request
Take corresponding bank card account information；
First sending module, the mobile terminal for currently being logged in the bank card account information sends identification please
Ask, the biological attribute data of identification request collection user is based on for the mobile terminal；
Proof of identity module, for when the biological attribute data that the mobile terminal is returned is received, detecting the life
Whether thing characteristic matches with the biological attribute data that prestores that the bank card account information is bound；
Second sending module, if the biology that prestores bound with the bank card account information for the biological attribute data
Characteristic is matched, then the successful announcement information of identification is sent to the transaction terminal, so that the transaction terminal is based on
The announcement information completes transaction.
Alternatively, second sending module is additionally operable to：If the Preset Time after the identification request is sent
The biological attribute data that the mobile terminal is returned is not received by interval, then sending identification to the transaction terminal loses
The prompt message for losing.
Alternatively, described information acquisition module is additionally operable to：If the Preset Time after the identification request is sent
The biological attribute data that the mobile terminal is returned is not received by interval, is obtained, taken in the second prefixed time interval to institute
State first number that mobile terminal sends identification request；
First sending module is additionally operable to：If first number is less than the first predetermined threshold value, to the bank card
The mobile terminal that accounts information is currently logged in sends identification request；
Second sending module is additionally operable to：If first number is more than or equal to first predetermined threshold value, to
The transaction terminal sends the prompt message of identification failure.
Alternatively, described information acquisition module is additionally operable to：If the biological attribute data and the bank card account information
The biological attribute data mismatch that prestores of binding, then obtain and send identity to the mobile terminal in the 3rd prefixed time interval
Recognize second number of request；
First sending module is additionally operable to：If second number is less than the second predetermined threshold value, to described mobile whole
End sends identification request；
Second sending module is additionally operable to：If second number is more than or equal to second predetermined threshold value, to
The transaction terminal sends the prompt message of identification failure.
Alternatively, the biological attribute data includes finger print data, iris data, face characteristic data or vocal print letter
Breath.
Method of commerce and device based on living things feature recognition proposed by the present invention, when the friendship for receiving transaction terminal transmission
When easily asking, corresponding bank card account information is obtained from transaction request, to the movement that bank card account information is currently logged in
Terminal sends identification request, so that the identification that mobile terminal is based on receiving asks to gather the biological characteristic number of user
According to when the biological attribute data of mobile terminal return is received, detection biological attribute data is bound with bank card account information
The biological attribute data that prestores whether match, if matching, then it is assumed that verification pass through, to transaction terminal send identification it is successful
Announcement information, transaction is completed so that transaction terminal is based on the announcement information that receives, the present invention when being traded, using passing through
The mode that the biological attribute data of mobile terminal collection user is verified is identified to the identity of user, in the body to user
After part passes through, transaction terminal could complete transaction, improve the safety coefficient of bank card business dealing checking.
Brief description of the drawings
Fig. 1 is the flow chart of method of commerce first embodiment of the present invention based on living things feature recognition；
Fig. 2 is the high-level schematic functional block diagram of transaction system first embodiment of the present invention based on living things feature recognition；
Fig. 3 is the high-level schematic functional block diagram of transaction system second embodiment of the present invention based on living things feature recognition.
The realization of the object of the invention, functional characteristics and advantage will be described further referring to the drawings in conjunction with the embodiments.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of method of commerce based on living things feature recognition.It is that the present invention is based on biology shown in reference picture 1
The flow chart of the method for commerce first embodiment of feature recognition.
In the present embodiment, the method for commerce that should be based on living things feature recognition includes：
Step S10, when the transaction request of transaction terminal transmission is received, obtains corresponding silver from the transaction request
Row card accounts information；
Step S20, the mobile terminal currently logged in the bank card account information sends identification and asks, for institute
State the biological attribute data that mobile terminal is based on identification request collection user；
Transaction terminal in the embodiment of the present invention can be ATM terminals or other any can be taken using bank card
The terminal of money, the transactional operation such as transfer accounts, pay.Herein below is illustrated so that user withdraws the money on ATM as an example.Transaction terminal
Telecommunication is set up with server to be connected, server is set up telecommunication and is connected with the mobile terminal of user, wherein, user's
There is provided one on mobile terminal to apply, user is received by the bank card account information registration of oneself application based on the application
The identification request that server sends.Wherein, mobile terminal can be the mobile phone with intelligent operating system, panel computer etc.
Terminal.
User is input into bank card password and by after verification, ATM sends transaction request to server on ATM,
The current bank card account information being traded is carried in the transaction request, bank card account information is usually bank card account number
And the user profile of association, such as name, phone number.Server is obtained when Transaction Information is received from Transaction Information
Take corresponding bank card account information.The mobile terminal currently logged in bank card account information sends identification and asks, and moves
When dynamic terminal receives identification request, the biological attribute data of user is gathered.Biological attribute data can be finger print data,
One or more in iris data, face characteristic data or voiceprint, specifically, user can be by mobile terminal
On fingerprint identification module input finger print data；Or, voiceprint is input into by the sound acquisition module on mobile terminal；Or
Person carries out the collection of human face data or iris data by the camera module on mobile terminal.Mobile terminal collects user's
After biological attribute data, send to server, so that server is identified to the identity of user.
Step S30, when the biological attribute data that the mobile terminal is returned is received, detects the biological attribute data
Whether the biological attribute data that prestores bound with the bank card account information matches；
Step S40, if so, the successful announcement information of identification then is sent to the transaction terminal, for the transaction
Terminal is based on the announcement information and completes transaction.
In this embodiment, the biological attribute data of advance typing user is stored in server as the biological characteristic number that prestores
According to as the benchmark of identification, and being bound with the bank card account information of user.
Server receive mobile terminal collection user biological attribute data when, by the biological attribute data with clothes
Whether the biological attribute data that prestores bound with above-mentioned bank card account information stored in business device matches, if matching, identity
Recognize successfully, send the successful announcement information of identification to transaction terminal, transaction terminal is complete after the announcement information is received
Into current transaction, such as current transaction is then for user's output is corresponding existing according to the withdraw funds of user input to withdraw the money
Gold.
Further, as a kind of implementation method, the mobile terminal currently logged in the bank card account information sends
After the step of identification is asked, the method for commerce based on living things feature recognition also includes：
If being not received by the mobile terminal in the prefixed time interval after the identification request is sent to return
The biological attribute data for returning, then send the prompt message of identification failure to the transaction terminal.
It is that the collection biological attribute data setting time of user shows to further improve the safety coefficient of transaction verification
Show, pre-set the first prefixed time interval, such as 1 minute, send identification to user and ask, and said in the request
Bright needs returned to the biological attribute data of collection in 1 minute to server, if do not connect in the first prefixed time interval
Receive the biological attribute data of mobile terminal return, then it is assumed that identification fails, then sending identification to transaction terminal loses
The prompt message for losing.
Or, as another embodiment, if sent in the prefixed time interval after the identification is asked
The biological attribute data that the mobile terminal is returned is not received by, is obtained, taken in the second prefixed time interval to the movement
Terminal sends first number of identification request；If first number is less than the first predetermined threshold value, again to mobile whole
End sends identification request, otherwise, the prompt message of identification failure is sent to transaction terminal.That is, setting in advance
Put to user send identification ask permission number of times higher limit, i.e. the first predetermined threshold value, such as three times, if three times please
Seek the biological attribute data for being not received by mobile terminal return, then it is assumed that identification fails.
Further, when the biological attribute data for detecting mobile terminal return is pre- with what the bank card account information was bound
When depositing biological attribute data mismatch, then it is assumed that verification failure, the announcement information of identification failure is sent to transaction terminal；Or
Person in other embodiments, when mismatch is detected, can be obtained in the 3rd prefixed time interval to the mobile terminal
Send second number of identification request；If second number is less than the second predetermined threshold value, perform described to the shifting
The step of dynamic terminal transmission identification is asked；If second number is more than or equal to second predetermined threshold value, to institute
State the prompt message that transaction terminal sends identification failure.That is, it is contemplated that user gathers user using mobile terminal
Occur the situation of maloperation during data, be provided with allow user input biological attribute data number of times, i.e. the second predetermined threshold value, when
When detecting unmatched number of times and reaching second predetermined threshold value, can just judge that identification fails.
The method of commerce based on living things feature recognition that the present embodiment is proposed, when the transaction for receiving transaction terminal transmission please
When asking, corresponding bank card account information is obtained from transaction request, to the mobile terminal that bank card account information is currently logged in
Identification request is sent, so that the identification that mobile terminal is based on receiving asks to gather the biological attribute data of user,
When the biological attribute data of mobile terminal return is received, detection biological attribute data is pre- with what bank card account information was bound
Deposit whether biological attribute data matches, if matching, then it is assumed that verification passes through, send identification to transaction terminal and successfully notify
Information, so that the announcement information that transaction terminal is based on receiving completes transaction, the present embodiment is whole by movement when being traded
The mode that the biological attribute data of end collection user is verified is identified to the identity of user, after being identified by, transaction
Terminal could complete transaction, improve the safety coefficient of bank card business dealing checking.
The second embodiment of method of commerce of the present invention based on living things feature recognition is proposed based on first embodiment.In this reality
Apply in example, between step S30 and step S40, the method for commerce that should be based on living things feature recognition also includes：
If matching, obtains the telephone number of the mobile terminal, and judge the telephone number with the bank card account
Whether the telephone number that prestores of family information binding is identical；
If so, then perform that the successful announcement information of identification is sent to the transaction terminal, for the transaction terminal
The step of concluding the business is completed based on the announcement information.
In this embodiment, after the living things feature recognition success to user, the telephone number of the mobile terminal is obtained.Can
The instruction for obtaining telephone number is sent with by the application on mobile terminal, mobile terminal reads when the instruction is received
The currently used telephone number of mobile terminal, and the telephone number is reported into server, server judges that the telephone number is
It is no whether consistent with bank card account information the is bound telephone number that prestores, if unanimously, then it is assumed that recognize successfully；Otherwise to binding
Prestore telephone number send prompt message, and receive the confirmation based on the prompt message instruct when, judge identity know
Cheng Gong not；Or dynamic check code is sent to the telephone number that prestores of binding, the dynamic school is input into by mobile terminal by user
Test code and send to server, during by server to verification code check success, judge identification success, and to transaction terminal
Send the successful announcement information of identification.
The method of commerce based on living things feature recognition that the present embodiment is proposed, on the basis of collection biological attribute data verification
On, the phone number based on bank card account binding is verified again, further increases the safety of bank card business dealing checking
Coefficient.
The present invention also proposes a kind of transaction system based on living things feature recognition.
It is that the functional module of transaction system first embodiment of the present invention based on living things feature recognition is shown shown in reference picture 2
It is intended to.
In this embodiment, the transaction system that should be based on living things feature recognition includes：
Data obtaining module 10, for when the transaction request of transaction terminal transmission is received, from the transaction request
Obtain corresponding bank card account information；
First sending module 20, the mobile terminal for currently being logged in the bank card account information sends identification
Request, the biological attribute data of identification request collection user is based on for the mobile terminal；
Transaction terminal in the embodiment of the present invention can be ATM terminals or other any can be taken using bank card
The terminal of money, the transactional operation such as transfer accounts, pay.Herein below is illustrated so that user withdraws the money on ATM as an example.Transaction terminal
Telecommunication is set up with server to be connected, server is set up telecommunication and is connected with the mobile terminal of user, wherein, user's
There is provided one on mobile terminal to apply, user is received by the bank card account information registration of oneself application based on the application
The identification request that server sends.Wherein, mobile terminal can be the mobile phone with intelligent operating system, panel computer etc.
Terminal.The device that the present embodiment is proposed can be above-mentioned server, and its each functional module is disposed in the server, performs correspondence
Function.
User is input into bank card password and by after verification, ATM sends transaction request to server on ATM,
The current bank card account information being traded is carried in the transaction request, bank card account information is usually bank card account number
And the user profile of association, such as name, phone number.Server is obtained when Transaction Information is received from Transaction Information
Take corresponding bank card account information.The mobile terminal currently logged in bank card account information sends identification and asks, and moves
When dynamic terminal receives identification request, the biological attribute data of user is gathered.Biological attribute data can be finger print data,
One or more in iris data, face characteristic data or voiceprint, specifically, user can be by mobile terminal
On fingerprint identification module input finger print data；Or, voiceprint is input into by the sound acquisition module on mobile terminal；Or
Person carries out the collection of human face data or iris data by the camera module on mobile terminal.Mobile terminal collects user's
After biological attribute data, send to server, so that server is identified to the identity of user.
Proof of identity module 30, for when the biological attribute data that the mobile terminal is returned is received, detection to be described
Whether biological attribute data matches with the biological attribute data that prestores that the bank card account information is bound；
Second sending module 40, if the life that prestores bound with the bank card account information for the biological attribute data
Thing characteristic is matched, then the successful announcement information of identification is sent to the transaction terminal, for the transaction terminal base
Complete to conclude the business in the announcement information.
In this embodiment, the biological attribute data of advance typing user is stored in server as the biological characteristic number that prestores
According to as the benchmark of identification, and being bound with the bank card account information of user.
Server receive mobile terminal collection user biological attribute data when, by the biological attribute data with clothes
Whether the biological attribute data that prestores bound with above-mentioned bank card account information stored in business device matches, if matching, identity
Recognize successfully, send the successful announcement information of identification to transaction terminal, transaction terminal is complete after the announcement information is received
Into current transaction, such as current transaction is then for user's output is corresponding existing according to the withdraw funds of user input to withdraw the money
Gold.
Further, as a kind of implementation method, the second sending module is additionally operable to：If please the identification is sent
The biological attribute data that the mobile terminal is returned is not received by prefixed time interval after asking, then to the transaction terminal
Send the prompt message of identification failure.
It is that the collection biological attribute data setting time of user shows to further improve the safety coefficient of transaction verification
Show, pre-set the first prefixed time interval, such as 1 minute, send identification to user and ask, and said in the request
Bright needs returned to the biological attribute data of collection in 1 minute to server, if do not connect in the first prefixed time interval
Receive the biological attribute data of mobile terminal return, then it is assumed that identification fails, then sending identification to transaction terminal loses
The prompt message for losing.
Or, used as another embodiment, data obtaining module 10 is additionally operable to：If please the identification is sent
The biological attribute data that the mobile terminal is returned is not received by prefixed time interval after asking, is obtained, taken default second
In time interval first number that identification is asked is sent to the mobile terminal；
First sending module 20 is additionally operable to：If first number is less than the first predetermined threshold value, to the bank card account
The mobile terminal that family information is currently logged in sends identification request；
Second sending module 40 is additionally operable to：If first number is more than or equal to first predetermined threshold value, to institute
State the prompt message that transaction terminal sends identification failure.
In this embodiment, the higher limit that the permission number of times that identification is asked is sent to user, i.e., the are pre-set
One predetermined threshold value, such as three times, if three requests are not received by the biological attribute data of mobile terminal return, then it is assumed that
Identification fails.
Further, when the biological attribute data for detecting mobile terminal return is pre- with what the bank card account information was bound
When depositing biological attribute data mismatch, then it is assumed that verification failure, the second sending module 40 sends identification and loses to transaction terminal
The announcement information for losing.
Or, in other embodiments, when mismatch is detected, data obtaining module 10 is obtained in the 3rd Preset Time
It is spaced second number that the introversive mobile terminal sends identification request；
First sending module 20 is additionally operable to：If second number is less than the second predetermined threshold value, to the mobile terminal
Send identification request；
Second sending module 40 is additionally operable to：If second number is more than or equal to second predetermined threshold value, to institute
State the prompt message that transaction terminal sends identification failure.
There is the situation of maloperation when gathering user data using mobile terminal in view of user, be provided with permission user defeated
Enter the number of times of biological attribute data, i.e. the second predetermined threshold value, when detecting unmatched number of times and reaching second predetermined threshold value,
Can just judge that identification fails.
The transaction system based on living things feature recognition that the present embodiment is proposed, when the transaction for receiving transaction terminal transmission please
When asking, corresponding bank card account information is obtained from transaction request, to the mobile terminal that bank card account information is currently logged in
Identification request is sent, so that the identification that mobile terminal is based on receiving asks to gather the biological attribute data of user,
When the biological attribute data of mobile terminal return is received, detection biological attribute data is pre- with what bank card account information was bound
Deposit whether biological attribute data matches, if matching, then it is assumed that verification passes through, send identification to transaction terminal and successfully notify
Information, so that the announcement information that transaction terminal is based on receiving completes transaction, the present embodiment is whole by movement when being traded
The mode that the biological attribute data of end collection user is verified is identified to the identity of user, after being identified by, transaction
Terminal could complete transaction, improve the safety coefficient of bank card business dealing checking.
The second embodiment of transaction system of the present invention based on living things feature recognition is proposed based on first embodiment.Reference picture
Shown in 3, in the present embodiment, the transaction system that should be based on living things feature recognition also includes：
Number correction verification module 50, if the life that prestores bound with the bank card account information for the biological attribute data
Thing characteristic is mismatched, then obtain the telephone number of the mobile terminal, and judge the telephone number with the bank card
Whether the telephone number that prestores of accounts information binding is identical；
Second sending module 40 is additionally operable to：If the phone that prestores that the telephone number is bound with the bank card account information
Number is identical, then send the successful announcement information of identification to the transaction terminal, so that the transaction terminal is based on described
Announcement information completes transaction.
In this embodiment, after the living things feature recognition success to user, number correction verification module 50 obtains the movement end
The telephone number at end.The instruction for obtaining telephone number can be sent by the application on mobile terminal, mobile terminal is being received
When the instruction, the currently used telephone number of mobile terminal is read, and the telephone number is reported into server, server is sentenced
Whether whether the disconnected telephone number consistent with the telephone number that prestores that bank card account information is bound, if unanimously, then it is assumed that identification
Success；Prompt message otherwise is sent to the telephone number that prestores of binding, and is referred to the confirmation based on the prompt message is received
When making, identification success is judged；Or dynamic check code is sent to the telephone number that prestores of binding, movement is passed through eventually by user
End is input into dynamic check code and sends to server, during by server to verification code check success, judgement identification into
Work(, and send the successful announcement information of identification to transaction terminal.
The transaction system based on living things feature recognition that the present embodiment is proposed, on the basis of collection biological attribute data verification
On, the phone number based on bank card account binding is verified again, further increases the safety of bank card business dealing checking
Coefficient.
The embodiments of the present invention are for illustration only, and the quality of embodiment is not represented.
It should be noted that herein, term " including ", "comprising" or its any other variant be intended to contain the non-row
His property is included, so that process, method, article or device including a series of key elements not only include those key elements, and
And also include other key elements being not expressly set out, or also include for this process, method, article or device institute are intrinsic
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Also there is other identical element in the process of key element, method, article or device.
In addition, be related to the description of " first ", " second " etc. only to describe purpose in invention, and it is not intended that indicate or
Imply its relative importance or the implicit quantity for indicating indicated technical characteristic.Thus, " first ", " second " are defined
At least one this feature can be expressed or be implicitly included to feature.In addition, the technical scheme between each embodiment can phase
Mutually combine, but must can be implemented as basis with those of ordinary skill in the art, when the combination of technical scheme occurs mutually
Contradiction or when cannot realize should people think that the combination of this technical scheme does not exist, also not in the protection domain of application claims
Within.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably implementation method.Based on such understanding, technical scheme is substantially done to prior art in other words
The part for going out contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used to so that a station terminal equipment (can be mobile phone, computer, cloud
End server or network equipment etc.) method that performs each embodiment of the invention.
The preferred embodiments of the present invention are these are only, the scope of the claims of the invention is not thereby limited, it is every to utilize this hair
Equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of method of commerce based on living things feature recognition, it is characterised in that the counterparty based on living things feature recognition
Method includes：
When the transaction request of transaction terminal transmission is received, corresponding bank card account letter is obtained from the transaction request
Breath；
The mobile terminal currently logged in the bank card account information sends identification and asks, for the mobile terminal base
In the biological attribute data of identification request collection user；
When the biological attribute data that the mobile terminal is returned is received, the biological attribute data and the bank card are detected
Whether the biological attribute data that prestores of accounts information binding matches；
If so, the successful announcement information of identification then is sent to the transaction terminal, so that the transaction terminal is based on described
Announcement information completes transaction.
2. the method for commerce based on living things feature recognition according to claim 1, it is characterised in that described to the bank
It is described based on living things feature recognition after the mobile terminal that card accounts information is currently logged in sends identification the step of ask
Method of commerce also includes step：
If being not received by what the mobile terminal was returned in the prefixed time interval after the identification request is sent
Biological attribute data, then send the prompt message of identification failure to the transaction terminal.
3. the method for commerce based on living things feature recognition according to claim 2, it is characterised in that described to the transaction
Before the step of terminal sends the prompt message of identification failure, the method for commerce based on living things feature recognition also includes
Step：
If being not received by what the mobile terminal was returned in the prefixed time interval after the identification request is sent
Biological attribute data, obtains, and takes and sends the first time that identification is asked to the mobile terminal in the second prefixed time interval
Number；
If first number is less than the first predetermined threshold value, the mobile end currently logged in the bank card account information is performed
The step of end transmission identification is asked；
If first number is more than or equal to first predetermined threshold value, performs and send identification to the transaction terminal
The step of prompt message of failure.
4. the method for commerce based on living things feature recognition according to claim 1, it is characterised in that the detection life
After the step of whether thing characteristic matches with the biological attribute data that prestores that the bank card account information is bound, the base
Also include step in the method for commerce of living things feature recognition：
If mismatching, obtain and sent second that identification is asked to the mobile terminal in the 3rd prefixed time interval
Number；
If second number be less than the second predetermined threshold value, perform it is described to the mobile terminal send identification ask
Step；
If second number is more than or equal to second predetermined threshold value, sends identification to the transaction terminal and fail
Prompt message.
5. the method for commerce based on living things feature recognition according to any one of claim 1 to 4, it is characterised in that institute
Stating biological attribute data includes finger print data, iris data, face characteristic data or voiceprint.
6. a kind of transaction system based on living things feature recognition, it is characterised in that the transaction dress based on living things feature recognition
Put including：
Data obtaining module, for when the transaction request of transaction terminal transmission is received, obtaining right from the transaction request
The bank card account information answered；
First sending module, the mobile terminal for currently being logged in the bank card account information sends identification and asks,
The biological attribute data of identification request collection user is based on for the mobile terminal；
Proof of identity module, it is described biological special for when the biological attribute data that the mobile terminal is returned is received, detecting
Levy data and whether matched with the biological attribute data that prestores that the bank card account information is bound；
Second sending module, if the biological characteristic that prestores bound with the bank card account information for the biological attribute data
Data Matching, then send the successful announcement information of identification to the transaction terminal, so that the transaction terminal is based on described
Announcement information completes transaction.
7. the transaction system based on living things feature recognition according to claim 6, it is characterised in that described second sends mould
Block is additionally operable to：If being not received by the mobile terminal in the prefixed time interval after the identification request is sent to return
The biological attribute data for returning, then send the prompt message of identification failure to the transaction terminal.
8. the transaction system based on living things feature recognition according to claim 7, it is characterised in that described information obtains mould
Block is additionally operable to：If being not received by the mobile terminal in the prefixed time interval after the identification request is sent to return
The biological attribute data for returning, obtains, and takes and sends identification is asked the to the mobile terminal in the second prefixed time interval
Number；
First sending module is additionally operable to：If first number is less than the first predetermined threshold value, to the bank card account
The mobile terminal that information is currently logged in sends identification request；
Second sending module is additionally operable to：If first number is more than or equal to first predetermined threshold value, to described
Transaction terminal sends the prompt message of identification failure.
9. the transaction system based on living things feature recognition according to claim 6, it is characterised in that described information obtains mould
Block is additionally operable to：If the biological attribute data is mismatched with the biological attribute data that prestores that the bank card account information is bound,
Then obtain and send second number that identification is asked to the mobile terminal in the 3rd prefixed time interval；
First sending module is additionally operable to：If second number is less than the second predetermined threshold value, sent out to the mobile terminal
Identification is sent to ask；
Second sending module is additionally operable to：If second number is more than or equal to second predetermined threshold value, to described
Transaction terminal sends the prompt message of identification failure.
10. the transaction system based on living things feature recognition according to any one of claim 6 to 9, it is characterised in that institute
Stating biological attribute data includes finger print data, iris data, face characteristic data or voiceprint.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611271542.8A CN106709730A (en) | 2016-12-30 | 2016-12-30 | Bio-feature identification-based transaction method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611271542.8A CN106709730A (en) | 2016-12-30 | 2016-12-30 | Bio-feature identification-based transaction method and apparatus |
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| CN106709730A true CN106709730A (en) | 2017-05-24 |
Family
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| Application Number | Title | Priority Date | Filing Date |
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| CN201611271542.8A Withdrawn CN106709730A (en) | 2016-12-30 | 2016-12-30 | Bio-feature identification-based transaction method and apparatus |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107392613A (en) * | 2017-06-23 | 2017-11-24 | 广东小天才科技有限公司 | User transaction verification method and terminal equipment |
| CN107426393A (en) * | 2017-07-13 | 2017-12-01 | 广东欧珀移动通信有限公司 | Solve lock control method and Related product |
| CN109242494A (en) * | 2018-09-04 | 2019-01-18 | 刘兴丹 | A kind of method, apparatus of cloud verifying brush face payment |
| CN109978317A (en) * | 2018-09-17 | 2019-07-05 | 招商银行股份有限公司 | Abnormal transaction processing method, interaction platform and computer readable storage medium |
| CN111429592A (en) * | 2020-03-19 | 2020-07-17 | 北京汽车股份有限公司 | ETC settlement method and system based on intelligent vehicle machine and intelligent vehicle machine |
| CN112184243A (en) * | 2020-09-28 | 2021-01-05 | 中国建设银行股份有限公司 | Transaction method, device, equipment and storage medium based on biological recognition |
| CN115189898A (en) * | 2021-04-01 | 2022-10-14 | 富联精密电子(天津)有限公司 | Transaction processing method, terminal and storage medium |
-
2016
- 2016-12-30 CN CN201611271542.8A patent/CN106709730A/en not_active Withdrawn
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107392613A (en) * | 2017-06-23 | 2017-11-24 | 广东小天才科技有限公司 | User transaction verification method and terminal equipment |
| CN107426393A (en) * | 2017-07-13 | 2017-12-01 | 广东欧珀移动通信有限公司 | Solve lock control method and Related product |
| CN109242494A (en) * | 2018-09-04 | 2019-01-18 | 刘兴丹 | A kind of method, apparatus of cloud verifying brush face payment |
| CN109978317A (en) * | 2018-09-17 | 2019-07-05 | 招商银行股份有限公司 | Abnormal transaction processing method, interaction platform and computer readable storage medium |
| CN111429592A (en) * | 2020-03-19 | 2020-07-17 | 北京汽车股份有限公司 | ETC settlement method and system based on intelligent vehicle machine and intelligent vehicle machine |
| CN112184243A (en) * | 2020-09-28 | 2021-01-05 | 中国建设银行股份有限公司 | Transaction method, device, equipment and storage medium based on biological recognition |
| CN115189898A (en) * | 2021-04-01 | 2022-10-14 | 富联精密电子(天津)有限公司 | Transaction processing method, terminal and storage medium |
| CN115189898B (en) * | 2021-04-01 | 2024-05-24 | 富联精密电子(天津)有限公司 | Transaction processing method, terminal and storage medium |
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Application publication date: 20170524 |