CN106991570A - A kind of quick transaction system that bank card operation is carried out based on vena metacarpea - Google Patents
A kind of quick transaction system that bank card operation is carried out based on vena metacarpea Download PDFInfo
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- CN106991570A CN106991570A CN201710185865.3A CN201710185865A CN106991570A CN 106991570 A CN106991570 A CN 106991570A CN 201710185865 A CN201710185865 A CN 201710185865A CN 106991570 A CN106991570 A CN 106991570A
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- vena metacarpea
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- bank
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/202—Depositing operations within ATMs
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
Abstract
The present invention provides a kind of quick transaction system that bank card operation is carried out based on vena metacarpea, including：Authentication module, its account management unit is used for the bank account information for obtaining user's offer, and its bank transaction unit is used to receive the authenticating result of account authenticating unit and performs corresponding business operation；Identification module, its vena metacarpea collecting unit obtains the still image of the vena metacarpea of the user by special vena metacarpea acquisition camera, its vena metacarpea recognition unit carries out match cognization according to the still image of collection with vena metacarpea database, and match cognization result is sent to account authenticating unit.Compared to prior art, vena metacarpea collection and identification technology are integrated in the safety service environment of bank by the present invention, it is difficult leakage, it is to avoid Password Input operation of the user when being withdrawn the money, being paid and being transferred accounts using bank card, improves Consumer's Experience and account security.
Description
Technical field
Technology is recognized and used the present invention relates to a kind of vena metacarpea, more particularly to it is a kind of based on vena metacarpea progress bank card behaviour
The quick transaction system made.
Background technology
Biometrics identification technology is to carry out authentication and identity differentiate one using human body biological characteristics and activity
Kind of particular technology, compared with traditional personal identification discrimination method, it have it is not easy to lose, be difficult to forget, more difficult forgery and
The advantages such as personation, are that a kind of identity of safe ready differentiates means.By taking vena metacarpea as an example, it is a kind of high live body of degree of safety
Identification technology, has the advantages that to forge, high discrimination, almost all standing, recognition speed be fast, noncontact.Specifically, it is quiet
Arteries and veins identification is to carry out identification using the vein blood vessel under skin as identity characteristic, and recognition principle, which is mainly, to be, people
The vein blood vessel of body is hidden under skin, because the vein blood vessel of palm portion is more, and feature is relatively enriched, and everyone palm is quiet
Arteries and veins feature is all incomplete same, thus is more suitable as identification feature.
On the other hand, in the prior art, almost all of banking terminal, either need entity bank card is
System, or without card transaction system (such as virtual card or by register mobile phone send checking password), be required for user input it is close
Code is just able to verify that user identity.However, input password is not only troublesome, easily input by mistake, in addition it is also necessary to which user remembers different bank cards
Password.In addition, the password inputted it is also possible to stolen by criminal, causes bank's property of user to there is potential safety hazard.
In view of this, a kind of quick transaction system of use bank card how is designed, can either be overcome of the prior art
Drawbacks described above or deficiency, in turn, ensure that the account safety in process of exchange, are related personnel's problems urgently to be resolved hurrily.
The content of the invention
For the existing drawbacks described above of the bank card operation of prior art, entered the invention provides one kind based on vena metacarpea
The quick transaction system of row bank card operation.
According to one aspect of the present invention, there is provided a kind of quick transaction system that bank card operation is carried out based on vena metacarpea
System, including：
Authentication module, it has account management unit, account authenticating unit and bank transaction unit, wherein, it is described
Account management unit is used for the bank account information for obtaining user's offer；The bank transaction unit and the account authenticating unit
It is connected, the authenticating result for receiving the account authenticating unit, and corresponding business operation is performed according to authenticating result；With
And
Identification module, it has vena metacarpea collecting unit and vena metacarpea recognition unit, wherein, the vena metacarpea collection
Unit obtains the still image of the vena metacarpea of the user by special vena metacarpea acquisition camera；The vena metacarpea identification is single
Member carries out matching knowledge according to the still image from the vena metacarpea collecting unit with bank default user's vena metacarpea database
Not, and by match cognization result send to the account authenticating unit so that the account authenticating unit is according to from the account
The bank account information of number administrative unit and the match cognization result from the vena metacarpea recognition unit export the authentication
As a result.
An embodiment wherein, the bank card operation includes withdrawing the money, pays and transfer accounts.
An embodiment wherein, when user is withdrawn the money using bank card, the authentication module is used for according to bank
The data message of card loading verifies the account real effectiveness of user；The vena metacarpea collecting unit is adopted after checking is authentic and valid
Collect the still image of the vena metacarpea of the user；The vena metacarpea recognition unit is slapped according to the still image gathered with the user
Intravenous data storehouse carries out match cognization, to confirm the corresponding user identity of vena metacarpea；The account authenticating unit output and authentication
The corresponding authenticating result of pass signal, the bank transaction unit receives the authenticating result and performs withdrawal operation.
An embodiment wherein, after account real effectiveness is proved to be successful, the quick transaction system prompting user
Input withdraw funds simultaneously allow palm to be positioned in the acquisition range of the vena metacarpea acquisition camera.
An embodiment wherein, when user is paid or transferred accounts online using bank card, the authentication module is used
The account real effectiveness of user is verified in the data message loaded according to bank card；The vena metacarpea collecting unit is true in checking
The still image of the vena metacarpea of the user is gathered after reality is effective；The vena metacarpea recognition unit according to the still image that is gathered with
User's vena metacarpea database carries out match cognization, to confirm the corresponding user identity of vena metacarpea；The account authenticating unit
The output authenticating result corresponding with authentication pass signal, the bank transaction unit receives the authenticating result and performs branch
Pay/transfer operation.
An embodiment wherein, the identification module and the authentication module using wire transmission mode or
Wireless transmission method carries out information exchange.
Match cognization result is carried out data encryption, the account by an embodiment wherein, the vena metacarpea recognition unit
Number authenticating unit receives the match cognization result after encryption and carries out data deciphering.
An embodiment wherein, the light beam of the vena metacarpea collecting unit based on near-infrared spectrum wavelength gathers user
Vena metacarpea still image.
An embodiment wherein, the vena metacarpea collecting unit also includes image-forming module, and the image-forming module is big to support
The near infrared imaging module of aperture and microspur.
An embodiment wherein, the near infrared imaging module include multiple camera lenses, support near infrared light optical filter with
And support the CCD or cmos image sensor of near infrared light imaging.
An embodiment wherein, the quick transaction system is arranged at bank counter terminal, ATM, CRS machines or VTM
Machine.
Using the quick transaction system of the present invention, it includes authentication module and identification module.Authentication mould
Block has account management unit, account authenticating unit and bank transaction unit, and account management unit is used to obtain user's offer
Bank account information, bank transaction unit is connected with account authenticating unit, for receiving authenticating result and performing corresponding industry
Business operation.Identification module has vena metacarpea collecting unit and vena metacarpea recognition unit, and vena metacarpea collecting unit passes through special
Vena metacarpea acquisition camera obtain the still image of the vena metacarpea of the user, vena metacarpea recognition unit is according to the static state of collection
Image, with bank's default user's vena metacarpea database progress match cognization.Compared to prior art, quick transaction of the invention
System only increases identity-acquiring and identification based on vena metacarpea in logic in existing banking, changes smaller, it is easy to
Realize.Also, vena metacarpea collection and identification technology are integrated in the safety service environment of bank by the present invention, are difficult leakage, are kept away
Exempt from Password Input operation of the user when being withdrawn the money, being paid and being transferred accounts using bank card, improve Consumer's Experience and account peace
Quan Xing.
Brief description of the drawings
Reader after the embodiment of the present invention has been read referring to the drawings, it will more clearly understand the present invention's
Various aspects.Wherein,
Fig. 1 is shown according to one embodiment of the present invention, and the quick transaction system of bank card operation is carried out based on vena metacarpea
Structured flowchart；
Fig. 2 shows that Fig. 1 quick transaction system is applied to flow chart when bank card is withdrawn the money；And
Fig. 3 shows that Fig. 1 quick transaction system is applied to flow chart when bank card pays/transferred accounts.
Embodiment
In order that techniques disclosed in this application content it is more detailed with it is complete, can refer to accompanying drawing and the present invention it is following
Identical mark represents same or analogous component in various specific embodiments, accompanying drawing.However, one of ordinary skill in the art
It should be appreciated that embodiment provided hereinafter is not used for limiting the scope that the present invention is covered.In addition, accompanying drawing is used only for
Schematically it is illustrated, and is drawn not according to its full size.
With reference to the accompanying drawings, the embodiment to various aspects of the present invention is described in further detail.
Fig. 1 is shown according to one embodiment of the present invention, and the quick transaction system of bank card operation is carried out based on vena metacarpea
Structured flowchart.Reference picture 1, in this embodiment, quick transaction system of the invention mainly include the He of authentication module 1
Identification module 2.For example, quick transaction system may be disposed at bank counter terminal, ATM (Automatic Teller
Machine, ATM), CRS (Cash Recycling System, self-service cash recycling system) or VTM (Virtual
Teller Machine, long-distance video automatic teller machine).
Authentication module 1 has account management unit 12, account authenticating unit 14 and bank transaction unit 16.Account pipe
Reason unit 12 is used for the bank account information for obtaining user's offer.Account authenticating unit 14 is handed over account management unit 12 and bank
Easy unit 16 is connected.Bank transaction unit 16 is used for the authenticating result for receiving account authenticating unit 14, and according to authenticating result
Perform corresponding business operation.
Identification module 2 has vena metacarpea collecting unit 21 and vena metacarpea recognition unit 23.
Vena metacarpea collecting unit 21 passes through the special palm after the request of the vena metacarpea from account management unit 12 is received
Venous collection camera obtains the still image of the vena metacarpea of the user.It is preferred that vena metacarpea collecting unit 21 is based near red
The light beam of external spectrum wavelength gathers the still image of the vena metacarpea of user.For example, vena metacarpea collecting unit 21 includes imaging mould
Block, the image-forming module is support large aperture and the near infrared imaging module of microspur.Here, near infrared imaging module includes multiple mirrors
Head, the optical filter for supporting near infrared light and the CCD or cmos image sensor that support near infrared light imaging.
Vena metacarpea recognition unit 23 is slapped according to the still image from vena metacarpea collecting unit 21 with the default user of bank
Intravenous data storehouse 25 carries out match cognization, and match cognization result sent to authentication mould determine 1 account authenticating unit 14,
So that account authenticating unit 14 is according to the bank account information from account management unit 12 and from vena metacarpea recognition unit
23 match cognization result output safety authenticating result.Bank transaction unit 16 performs corresponding business further according to authenticating result
Operation, for example, bank card withdraws the money, pays or transfer accounts.
Understand from the description above, quick transaction system of the invention mainly includes two large divisions, and one is existing bank
The intrinsic subscriber authentication part of business, two be the user identity identification part for being gathered and being recognized based on vena metacarpea.Such as preceding institute
State, vena metacarpea has the advantages that to forge, high discrimination, almost all standing, recognition speed be fast, noncontact, can avoid user
The Password Input link that is relatively complicated and there is potential safety hazard when using bank card.Subscriber authentication part is banking
The existing module of system, it is only necessary to change add vena metacarpea feature progress security authentication slightly, know to be matched according to vena metacarpea
Other result obtains authenticating pass signal, and then continues related service logic request.Consequently, it is possible to when banking logic is needed
When verifying the identity information of user, the system sends a request to newly-increased identification module 2, via the collection of vena metacarpea
After identification, receiving the match cognization result from identification module 2 by authentication system 1, (unique user identity is believed
Breath), the subscriber identity information (bank account information that account management unit 12 is obtained) for then asking transmission with service logic
It is compared.After completion to be compared, return the result in service logic, bank transaction unit 16 does corresponding processing.Phase
Than in prior art, the present invention only increases identity-acquiring and knowledge based on vena metacarpea in logic in existing banking
Not, change smaller, it is easy to accomplish.Also, the present invention gathers vena metacarpea on the safety service ring that bank is integrated in identification technology
In border, leakage is difficult, it is to avoid Password Input operation of the user when being withdrawn the money, being paid and being transferred accounts using bank card, improve
Consumer's Experience and account security.
In one embodiment, identification module 2 is passed with authentication module 1 using wire transmission mode or wirelessly
Defeated mode carries out information exchange.Further, it is the security of strengthening data transfer, vena metacarpea recognition unit 23 is by match cognization knot
Fruit carries out data encryption, and account authenticating unit 14 receives the match cognization result after encryption and carries out data deciphering.
Fig. 2 shows that Fig. 1 quick transaction system is applied to flow chart when bank card is withdrawn the money.Reference picture 2, user uses silver
The withdrawal of row card can be achieved by step S11~S19.Specifically, during withdrawal, authentication module 1 is used for according to bank
The data message of card loading verifies the account real effectiveness (step S11) of user, and vena metacarpea collecting unit 21 is true in checking
The still image (step S13) of the vena metacarpea of the user is gathered after effectively, for example, after account real effectiveness is proved to be successful,
System prompts user inputs withdraw funds and allows palm to be positioned in the acquisition range of vena metacarpea acquisition camera.Vena metacarpea is recognized
Unit 23 carries out match cognization according to the still image gathered with user's vena metacarpea database 25, to confirm that vena metacarpea is corresponding
User identity (step S15), the output of account authenticating unit 14 authenticating result (step S17) corresponding with authentication pass signal, silver
Row transaction unit 16 receives authenticating result and performs withdrawal operation (step S19).
Fig. 3 shows that Fig. 1 quick transaction system is applied to flow chart when bank card pays/transferred accounts.Reference picture 3, user
Pay using bank card/transfer operation can be achieved by step S21~S26.Specifically, paid using bank card
Or when transferring accounts online, the data message that authentication module 1 is used to be loaded according to bank card verifies that the account of user is authentic and valid
Property (step S21), verify it is authentic and valid after, system prompts user input is to be paid/relevant user information transferred accounts, for example, hand over
The easy amount of money, other side's name and bank's card number (step S22), then the vena metacarpea of the collection of vena metacarpea collecting unit 21 user is quiet
State image (step S23), vena metacarpea recognition unit 23 is carried out according to the still image gathered with user's vena metacarpea database 25
Match cognization, to confirm the corresponding user identity (step S24) of vena metacarpea, the output of account authenticating unit 14 and authentication pass signal
Corresponding authenticating result (step S25), bank transaction unit 16 receives authenticating result and performs payment/transfer operation (step
S26)。
Using the quick transaction system of the present invention, it includes authentication module and identification module.Authentication mould
Block has account management unit, account authenticating unit and bank transaction unit, and account management unit is used to obtain user's offer
Bank account information, bank transaction unit is connected with account authenticating unit, for receiving authenticating result and performing corresponding industry
Business operation.Identification module has vena metacarpea collecting unit and vena metacarpea recognition unit, and vena metacarpea collecting unit passes through special
Vena metacarpea acquisition camera obtain the still image of the vena metacarpea of the user, vena metacarpea recognition unit is according to the static state of collection
Image, with bank's default user's vena metacarpea database progress match cognization.Compared to prior art, quick transaction of the invention
System only increases identity-acquiring and identification based on vena metacarpea in logic in existing banking, changes smaller, it is easy to
Realize.Also, vena metacarpea collection and identification technology are integrated in the safety service environment of bank by the present invention, are difficult leakage, are kept away
Exempt from Password Input operation of the user when being withdrawn the money, being paid and being transferred accounts using bank card, improve Consumer's Experience and account peace
Quan Xing.
Above, the embodiment of the present invention is described with reference to the accompanying drawings.But, those skilled in the art
It is understood that without departing from the spirit and scope of the present invention, can also make each to the embodiment of the present invention
Plant change and replace.These changes and replacement all fall in claims of the present invention limited range.
Claims (11)
1. a kind of quick transaction system that bank card operation is carried out based on vena metacarpea, it is characterised in that the quick transaction system
Including：
Authentication module, it has account management unit, account authenticating unit and bank transaction unit, wherein, the account
Administrative unit is used for the bank account information for obtaining user's offer；The bank transaction unit is connected with the account authenticating unit
Connect, the authenticating result for receiving the account authenticating unit, and corresponding business operation is performed according to authenticating result；And
Identification module, it has vena metacarpea collecting unit and vena metacarpea recognition unit, wherein, the vena metacarpea collecting unit
The still image of the vena metacarpea of the user is obtained by special vena metacarpea acquisition camera；The vena metacarpea recognition unit root
According to the still image from the vena metacarpea collecting unit, match cognization is carried out with bank default user's vena metacarpea database,
And send match cognization result to the account authenticating unit so that the account authenticating unit is according to from the account pipe
Manage the bank account information of unit and the match cognization result from the vena metacarpea recognition unit exports the authenticating result.
2. quick transaction system according to claim 1, it is characterised in that the bank card operation includes withdrawing the money, paid
With transfer accounts.
3. quick transaction system according to claim 1, it is characterised in that described when user is withdrawn the money using bank card
Authentication module is used for the account real effectiveness of the data message checking user loaded according to bank card；The vena metacarpea is adopted
Collection unit gathers the still image of the vena metacarpea of the user after checking is authentic and valid；The vena metacarpea recognition unit is according to being adopted
The still image of collection carries out match cognization with user's vena metacarpea database, to confirm the corresponding user identity of vena metacarpea；Institute
The account authenticating unit output authenticating result corresponding with authentication pass signal is stated, the bank transaction unit receives the mirror
Power result simultaneously performs withdrawal operation.
4. quick transaction system according to claim 3, it is characterised in that after account real effectiveness is proved to be successful,
The quick transaction system points out user's input withdraw funds and the collection for allowing palm to be positioned over the vena metacarpea acquisition camera
In the range of.
5. quick transaction system according to claim 1, it is characterised in that when user is paid or online turn using bank card
During account, the authentication module is used for the account real effectiveness of the data message checking user loaded according to bank card；Institute
State the still image that vena metacarpea collecting unit gathers the vena metacarpea of the user after checking is authentic and valid；The vena metacarpea identification is single
Member carries out match cognization according to the still image gathered with user's vena metacarpea database, to confirm the corresponding use of vena metacarpea
Family identity；The account authenticating unit exports the authenticating result corresponding with authentication pass signal, the bank transaction unit
Receive the authenticating result and perform payment/transfer operation.
6. quick transaction system according to claim 1, it is characterised in that the identification module is tested with the identity
Demonstrate,prove module and information exchange is carried out using wire transmission mode or wireless transmission method.
7. quick transaction system according to claim 6, it is characterised in that the vena metacarpea recognition unit is by match cognization
As a result data encryption is carried out, the account authenticating unit receives the match cognization result after encryption and carries out data deciphering.
8. quick transaction system according to claim 1, it is characterised in that the vena metacarpea collecting unit is based on near-infrared
The light beam of spectral wavelength gathers the still image of the vena metacarpea of user.
9. quick transaction system according to claim 8, it is characterised in that the vena metacarpea collecting unit also includes imaging
Module, the image-forming module is support large aperture and the near infrared imaging module of microspur.
10. quick transaction system according to claim 9, it is characterised in that the near infrared imaging module includes multiple mirrors
Head, the optical filter for supporting near infrared light and the CCD or cmos image sensor that support near infrared light imaging.
11. quick transaction system according to claim 1, it is characterised in that the quick transaction system is arranged at bank
Counter terminal, ATM, CRS machines or VTM machines.
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| CN201710185865.3A CN106991570A (en) | 2017-03-24 | 2017-03-24 | A kind of quick transaction system that bank card operation is carried out based on vena metacarpea |
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| CN201710185865.3A CN106991570A (en) | 2017-03-24 | 2017-03-24 | A kind of quick transaction system that bank card operation is carried out based on vena metacarpea |
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| CN111340497A (en) * | 2020-02-07 | 2020-06-26 | 上海掌通天下信息系统有限公司 | Palm vein financial payment management and control system based on multi-mode biological characteristics |
| CN112820041A (en) * | 2020-12-30 | 2021-05-18 | 深兰盛视科技（苏州）有限公司 | Automatic depositing and withdrawing method, device, equipment and storage medium |
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