CN107122977A - A kind of payment system based on bio-identification - Google Patents
A kind of payment system based on bio-identification Download PDFInfo
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- CN107122977A CN107122977A CN201710280698.0A CN201710280698A CN107122977A CN 107122977 A CN107122977 A CN 107122977A CN 201710280698 A CN201710280698 A CN 201710280698A CN 107122977 A CN107122977 A CN 107122977A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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Abstract
A kind of payment system based on bio-identification, the central information processing system being connected is in communication with each other including the payment terminal with bio-identification function, banking system or other paying centres, with banking system or other paying centres, described bio-identification is iris recognition or/and recognition of face or/and fingerprint recognition, the present invention uses iris recognition or/and recognition of face or/and fingerprint recognition, realize safer payment, face identification with iris combine security with uniqueness than existing card number compared with password, it is safer more reliable.And the present invention will not change existing bank or Credit Card Payments mode, but on the basis of original payment, using iris and the technology of recognition of face, matching card number and password are carried out in database hub, is transmitted after the match is successful to bank or credit card processing center and completes to pay.
Description
Technical field
The present invention relates to a kind of Third-party payment technical field, more particularly, to a kind of third party's branch based on bio-identification
The system of paying.
Background technology
Mobile payment is the on-line payment mode for developing and popularizing in recent years.Traditional mobile payment mode is, it is necessary to user
The payment cipher of more-figure number is inputted to complete payment flow.With the high speed development of development of Mobile Internet technology, mobile terminal ratio
As mobile phone and tablet personal computer are more and more employed among the e-payment on arrival line or under line.Such as purchased on the net
When thing is paid the bill, businessman can send to the phone number of binding of user and pay web page interlinkage, and user logs in branch by mobile phone
Webpage is paid, the corresponding password of account and dynamic verification code have been bound in user's input, and paying server is verified peasant household's password and tested
Paid after card code.The security of the account password information of this means of payment user is not high, is used when especially paying at the scene
The account password information at family easily steals a glance at acquisition by other people causes information security hidden danger, once the account password information and hand of user
Machine is by unauthorized theft, and the property safety of user will be by great threat.In addition, when paying at the scene, in addition it is also necessary to be manually entered use
The phone number and Bank Account Number of family binding, delivery operation are comparatively laborious and time-consuming, and the on-site payment experience of user is not good.
The content of the invention
It is an object of the invention to provide a kind of more convenient, safer, more uniqueness payment based on bio-identification
System.
In order to solve the above-mentioned technical problem, the present invention uses following technical scheme:A kind of payment system based on bio-identification
In system, including the payment terminal with bio-identification function, banking system or other paying centres and banking system or other payments
The heart is in communication with each other the central information processing system of connection, and described bio-identification is iris recognition or/and recognition of face or/and referred to
Line is recognized;
The payment terminal with bio-identification function:Biometric information is gathered and sent to central information processing system
Information, bio-identification is gathered to pay request and send payment request information to central information processing system, receive at central information
The bio-identification that reason system is sent pays completion information and completes bio-identification payment;
Described central information processing system:The medium of payment, the biological information gathered according to biometric information and silver
After row system or the information of paying centre encryption matching treatment, the generation encryption interactive information in central information processor system;
According to the payment request information of payment terminal, after the encryption of central information processor, security information is matched;If matching
Success, then complete payment authorization, and send bio-identification to the payment terminal of payment in banking system or other paying centres
Pay and complete information, if it fails to match, it fails to match information is sent to the payment terminal of payment;
Described banking system or other paying centres:Preserve the corresponding information of customer accounting code, payment authorization and payment
Transaction.
As an improvement:Described central information processing system is receiving the payment request information of payment terminal transmission
When, judge whether be stored with customer account information and corresponding application key information, bio-identification is stored and opened if having
Payment function, then using biometric information and transmit to central information processing system matched and decrypted after form disbursement letter
Breath, encryption, then encrypted data transmission to banking system or the completion of other paying centres are paid and asked through central information processing system
Ask, banking system or other paying centres complete feedback of the information to bio-identification payment terminal to pay, and provide information to
Entreat in processing system.
As an improvement:In described biometric information gatherer process, mesh is generated using first key generating algorithm
Mark the first bio-identification key paid corresponding to key of customer accounting code, such as iris recognition, using the first DEA
The first bio-identification of application key key is encrypted with device keyses, and transmitted to central information processing system;Adopt
The second bio-identification key corresponding to target customer's account number, such as face recognition are generated with the second key schedule;Using
The second bio-identification of application key key is encrypted for two DEAs and device keyses, and transmits to center letter
Cease processing system.
As an improvement:The described bio-identification means of payment, for having opened the payment based on biological identification technology
During function, pay and be stored with central information processing system in the banking system or other payments in the bio-identification
In the case that the heart applies corresponding application key, the corresponding to target customer's account number is generated using the second key schedule
Two bio-identification keys, such as face recognition, the payment key institute for generating targeted customer's account number using first key generating algorithm is right
The the first bio-identification key answered, such as iris recognition, using the second DEA and the second bio-identification key pair
The client key is encrypted;
Wherein, the bio-identification pays and returns to the client key after encryption in the banking system or other payments
Heart application, to be supplied to background server by the bio-identification means of payment;It is close that the encryption parameter includes described second
Key generating algorithm and second DEA, when calling the bio-identification payment by the bio-identification means of payment
Indicated by the call request, complete request.
As an improvement:When the bio-identification is paid for the execution delivery operation of target customer's account number, in the life
Thing information recognition result indicates that the biometric information verification in the case of, passes through the encryption parameter and the targeted customer
The second bio-identification key corresponding to account number, such as face recognition passes through encryption parameter and the user of targeted customer's account number
The first bio-identification key corresponding to key, such as iris recognition;The object content is encrypted, encrypted result is obtained;
Wherein, the encrypted result is returned to the banking system by the bio-identification payment or other paying centres should
With by the banking system or other paying centres and to complete to pay, and returning to central information processing system.
As an improvement:The biological information recognition result is being received by the payment terminal with bio-identification function
Gather, recognize and verify after to the call request and obtain after the biological information, and by the central information processing system
System is sent to the banking system or other paying centres, completes to pay request;
The bio-identification is paid for confirming to recognize that the biological information that application is obtained is known from the biological information
Other result indicates that the biometric information verification in the case of, pays to the bio-identification and sends the call request, its
Method includes:Receive the call request of other paying centre applications;Determined to need in the target of encryption according to the call request
Hold and perform the encryption parameter needed for encryption;Biological information recognition result is obtained from biological information identification application;According to institute
State encryption parameter and the object content is encrypted the biological information recognition result;Applied to other paying centres
Return to encrypted result so that other paying centres are applied to be performed according to the encrypted result.
The beneficial effects of the invention are as follows:The present invention uses iris recognition or/and recognition of face or/and fingerprint recognition, realizes
Safer payment, face identification with iris combine security with uniqueness than existing card number compared with password, more
Safety is more reliable.Iris is and entirely different under waking state under comatose state, therefore reduces undesirable and steal possibility
Property, greatly reduce bank or credit card company usurps risk;Improve payment safety.And the present invention will not change existing
Bank or Credit Card Payments mode, but on the basis of original payment, using iris and the technology of recognition of face, in database
Center carries out matching card number and password, is transmitted after the match is successful to bank or credit card processing center and completes to pay.The present invention's
Payment system very facilitates, and will change trip and the life style of people significantly.
In order that the object, technical solutions and advantages of the present invention are clearer, below in conjunction with accompanying drawing the present invention is made into
The detailed description of one step.
Brief description of the drawings
Fig. 1 is the theory diagram of the present invention.
Embodiment
As shown in figure 1, a kind of payment system based on bio-identification, including the payment terminal with bio-identification function, silver
Row system or other paying centres, with banking system or other paying centres the central information processing system being connected is in communication with each other,
Described bio-identification is iris recognition or/and recognition of face or/and fingerprint recognition.The payment with bio-identification function is whole
End can pay flat for mobile phone, computer and other smart machines, the POS with bio-identification function or with bio-identification function
Platform, information acquisition device etc..
The payment terminal with bio-identification function:Biometric information is gathered and sent to central information processing system
Information, bio-identification is gathered to pay request and send payment request information to central information processing system, receive at central information
The bio-identification that reason system is sent pays completion information and completes bio-identification payment.
Described central information processing system:The medium of payment, the biological information gathered according to biometric information and silver
After row system or the information of paying centre encryption matching treatment, the generation encryption interactive information in central information processor system;
According to the payment request information of payment terminal, after the encryption of central information processor, security information is matched;If matching
Success, then complete payment authorization, and send bio-identification to the payment terminal of payment in banking system or other paying centres
Pay and complete information, if it fails to match, it fails to match information is sent to the payment terminal of payment.Through central information processing system
The safe cipher mode of system, safer realization is paid, it is to avoid the intervention of illegality equipment, it is to avoid cause the leakage of security information.
Described banking system or other paying centres:Preserve the corresponding information of customer accounting code, payment authorization and payment
Transaction.
To improve security, it is to avoid stolen, described central information processing system is receiving payment terminal transmission
During payment request information, judge whether be stored with customer account information and corresponding application key information, if having storage and
Bio-identification payment function is opened, then using biometric information and transmits to central information processing system and is matched and decrypted
After form payment information, encrypt, then through central information processing system by encrypted data transmission to banking system or other payments
The heart completes to pay request, and banking system or other paying centres complete feedback of the information to bio-identification payment terminal to pay, and
Provide information in central processing system.
To ensure that information source is authentic and valid, prevent from being tampered leakage, it is ensured that security, lift encryption stage, it is to avoid be stolen
With in described biometric information gatherer process, the payment for generating target customer's account using first key generating algorithm is close
The first bio-identification key corresponding to key, such as iris recognition is answered described using the first DEA and device keyses
It is encrypted, and is transmitted to central information processing system with key the first bio-identification key;Using the second key schedule
Generate the second bio-identification key corresponding to target customer's account number, such as face recognition;Using the second DEA and setting
The second bio-identification of application key key is encrypted standby key, and transmits to central information processing system.
To ensure that information source is legal authentic and valid, prevent from being tampered, it is ensured that security, described bio-identification payer
Formula, for having opened during the payment function based on biological identification technology, pays in central information processing in the bio-identification
It is close using second in the case that corresponding application key is applied in the banking system that is stored with system or other paying centres
The second bio-identification key corresponding to key generating algorithm generation target customer's account number, such as face recognition is given birth to using first key
The the first bio-identification key paid corresponding to key of targeted customer's account number, such as iris recognition, using second are generated into algorithm
The client key is encrypted for DEA and the second bio-identification key;
Wherein, the bio-identification pays and returns to the client key after encryption in the banking system or other payments
Heart application, to be supplied to background server by the bio-identification means of payment;It is close that the encryption parameter includes described second
Key generating algorithm and second DEA, when calling the bio-identification payment by the bio-identification means of payment
Indicated by the call request, complete request.
To ensure communication security, encryption stage is lifted, it is to avoid stolen, the bio-identification, which is paid, is directed to target customer's account number
When performing delivery operation, indicate that the biometric information verification in the case of, passes through institute in the biological information recognition result
Encryption parameter and the second bio-identification key corresponding to targeted customer's account number are stated, such as face recognition passes through encryption parameter
With the first bio-identification key corresponding to the user key of targeted customer's account number, such as iris recognition;To in the target
Appearance is encrypted, and obtains encrypted result;
Wherein, the encrypted result is returned to the banking system by the bio-identification payment or other paying centres should
With by the banking system or other paying centres and to complete to pay, and returning to central information processing system.
To ensure that system is safe and stable, smooth, the biological information recognition result is by the branch with bio-identification function
Terminal is paid to obtain after gathering, recognizing and verifying the biological information after receiving the call request, and in described
Centre information processing system is sent to the banking system or other paying centres, completes to pay request;
The bio-identification is paid for confirming to recognize that the biological information that application is obtained is known from the biological information
Other result indicates that the biometric information verification in the case of, pays to the bio-identification and sends the call request, its
Method includes:Receive the call request of other paying centre applications;Determined to need in the target of encryption according to the call request
Hold and perform the encryption parameter needed for encryption;Biological information recognition result is obtained from biological information identification application;According to institute
State encryption parameter and the object content is encrypted the biological information recognition result;Applied to other paying centres
Return to encrypted result so that other paying centres are applied to be performed according to the encrypted result.
The desirable embodiment according to the present invention is enlightenment above, by above-mentioned description, and related personnel completely can be with
Without departing from the scope of the technological thought of the present invention', various change and modification is carried out.The technical scope of this is not
It is confined to the content on specification, it is necessary to which technical scope is determined according to right.
Claims (9)
1. a kind of payment system based on bio-identification, it is characterised in that:Including the payment terminal with bio-identification function, bank
System or other paying centres, with banking system or other paying centres it is in communication with each other the central information processing system being connected, institute
The bio-identification stated is iris recognition or/and recognition of face or/and fingerprint recognition;
The payment terminal with bio-identification function:Biometric information is gathered and sent to central information processing system and gathered
Information, bio-identification pay request and send payment request information to central information processing system, receive central information processing system
The bio-identification that system is sent pays completion information and completes bio-identification payment;
Described central information processing system:The medium of payment, the biological information gathered according to biometric information and department of banking
After the information encryption matching treatment of system or paying centre, the generation encryption interactive information in central information processor system;According to
The payment request information of payment terminal, after the encryption of central information processor, matches security information;If matching into
Work(, then complete payment authorization, and send bio-identification branch to the payment terminal of payment in banking system or other paying centres
Pay and complete information, if it fails to match, it fails to match information is sent to the payment terminal of payment;
Described banking system or other paying centres:Preserve the corresponding information of customer accounting code, payment authorization and payment transaction.
2. a kind of payment system based on bio-identification according to claim 1, it is characterised in that:Described central information
Processing system when receiving the payment request information of payment terminal transmission, judge whether to be stored with customer account information and institute it is right
The application key information answered, stores if having and has opened bio-identification payment function, using biometric information and transmit to
Central information processing system is matched and formed after being decrypted payment information, encryption, then will be encrypted through central information processing system
Data transfer to banking system or other paying centres completes to pay request, and banking system or other paying centres are by feedback of the information
Complete to pay to bio-identification payment terminal, and provide information in central processing system.
3. a kind of payment system based on bio-identification according to claim 1 or 2, it is characterised in that:Described biology
In identification information gatherer process, pay corresponding to key the first of target customer's account is generated using first key generating algorithm
Bio-identification key, such as iris recognition, it is biological to the application key first using the first DEA and device keyses
Identification key is encrypted, and transmits to central information processing system;Target customer's account is generated using the second key schedule
The second bio-identification key corresponding to number, such as face recognition;Answered using the second DEA and device keyses described
It is encrypted, and is transmitted to central information processing system with key the second bio-identification key.
4. a kind of payment system based on bio-identification according to claim 3, it is characterised in that:Described bio-identification
The means of payment, for having opened during the payment function based on biological identification technology, pays in center letter in the bio-identification
In the case that corresponding application key is applied in the banking system that is stored with breath processing system or other paying centres, use
The second bio-identification key corresponding to second key schedule generation target customer's account number, such as face recognition, using first
The the first bio-identification key paid corresponding to key of key schedule generation targeted customer's account number, such as iris recognition is adopted
The client key is encrypted with the second DEA and the second bio-identification key;
Wherein, the client key after encryption is returned to the banking system by the bio-identification payment or other paying centres should
With to be supplied to background server by the bio-identification means of payment;The encryption parameter is given birth to including second key
Into algorithm and second DEA, pass through when calling the bio-identification to pay by the bio-identification means of payment
The call request is indicated, completes request.
5. a kind of payment system based on bio-identification according to claim 4, it is characterised in that:The bio-identification branch
When paying for the execution delivery operation of target customer's account number, indicate that the biometric information verification is led in the biological information recognition result
In the case of crossing, pass through the second bio-identification key corresponding to the encryption parameter and targeted customer's account number, such as face
Identification, passes through the first bio-identification key corresponding to encryption parameter and the user key of targeted customer's account number, such as iris
Identification;The object content is encrypted, encrypted result is obtained;
Wherein, the bio-identification is paid returns to the banking system or the application of other paying centres by the encrypted result,
By the banking system or other paying centres and to complete to pay, and central information processing system is returned to.
6. a kind of payment system based on bio-identification according to claim 1 or 2, it is characterised in that:The biological letter
Breath recognition result is gathered after the call request is received, recognizes and tested by the payment terminal with bio-identification function
Demonstrate,prove and obtain after the biological information, and be sent to by the central information processing system in the banking system or other payments
The heart, completes to pay request;
The bio-identification is paid for confirming to recognize that the biological information that application is obtained recognizes knot from the biological information
Fruit indicates the biometric information verification in the case of, is paid to the bio-identification and sends the call request, its method
Including:Receive the call request of other paying centre applications;According to the call request determine need encrypt object content and
Perform the encryption parameter needed for encryption;Biological information recognition result is obtained from biological information identification application;Added according to described
The object content is encrypted for close parameter and the biological information recognition result;Returned to other paying centre applications
Encrypted result so that other paying centres are applied to be performed according to the encrypted result.
7. a kind of payment system based on bio-identification according to claim 3, it is characterised in that:The biological information is known
Other result gathers, recognizes and verified institute after the call request is received by the payment terminal with bio-identification function
State and obtain after biological information, and the banking system or other paying centres are sent to by the central information processing system,
Complete to pay request;
The bio-identification is paid for confirming to recognize that the biological information that application is obtained recognizes knot from the biological information
Fruit indicates the biometric information verification in the case of, is paid to the bio-identification and sends the call request, its method
Including:Receive the call request of other paying centre applications;According to the call request determine need encrypt object content and
Perform the encryption parameter needed for encryption;Biological information recognition result is obtained from biological information identification application;Added according to described
The object content is encrypted for close parameter and the biological information recognition result;Returned to other paying centre applications
Encrypted result so that other paying centres are applied to be performed according to the encrypted result.
8. a kind of payment system based on bio-identification according to claim 4, it is characterised in that:The biological information is known
Other result gathers, recognizes and verified institute after the call request is received by the payment terminal with bio-identification function
State and obtain after biological information, and the banking system or other paying centres are sent to by the central information processing system,
Complete to pay request;
The bio-identification is paid for confirming to recognize that the biological information that application is obtained recognizes knot from the biological information
Fruit indicates the biometric information verification in the case of, is paid to the bio-identification and sends the call request, its method
Including:Receive the call request of other paying centre applications;According to the call request determine need encrypt object content and
Perform the encryption parameter needed for encryption;Biological information recognition result is obtained from biological information identification application;Added according to described
The object content is encrypted for close parameter and the biological information recognition result;Returned to other paying centre applications
Encrypted result so that other paying centres are applied to be performed according to the encrypted result.
9. a kind of payment system based on bio-identification according to claim 5, it is characterised in that:The biological information is known
Other result gathers, recognizes and verified institute after the call request is received by the payment terminal with bio-identification function
State and obtain after biological information, and the banking system or other paying centres are sent to by the central information processing system,
Complete to pay request;
The bio-identification is paid for confirming to recognize that the biological information that application is obtained recognizes knot from the biological information
Fruit indicates the biometric information verification in the case of, is paid to the bio-identification and sends the call request, its method
Including:Receive the call request of other paying centre applications;According to the call request determine need encrypt object content and
Perform the encryption parameter needed for encryption;Biological information recognition result is obtained from biological information identification application;Added according to described
The object content is encrypted for close parameter and the biological information recognition result;Returned to other paying centre applications
Encrypted result so that other paying centres are applied to be performed according to the encrypted result.
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CN110474879A (en) * | 2019-07-18 | 2019-11-19 | 阿里巴巴集团控股有限公司 | A kind of identification pretreatment, personal identification method and system |
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CN112671534A (en) * | 2020-12-18 | 2021-04-16 | 北京深思数盾科技股份有限公司 | Service key management method, service terminal and system based on biological characteristics |
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CN107784501A (en) * | 2017-09-29 | 2018-03-09 | 九派天下支付有限公司 | A kind of safe method of payment and system based on recognition of face |
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