CN107609877A - The exchanging method and system of a kind of bio-identification - Google Patents

Abstract

The invention discloses a kind of exchanging method of bio-identification and system, comprising user terminal, system and corresponding service, merchant tenninal etc..User is in system registry, the living things feature recognition data of user are gathered by terminal, system preserves user's registration information, the service of user's on-line payment purchase or commodity, system preserves payment information and purchase information after paying successfully, when user needs to exchange at the scene, bio-identification is carried out by user terminal or system or merchant tenninal, the biological information Request System of reading is verified, system verifies user profile and prepaid information, as notified trade company to allow user to obtain corresponding service if.By biometric identification capabilities, having provided the user a kind of need not easily carry physical tickets or mobile phone terminal equipment is achieved with the business experience exchanged.

Description

The exchanging method and system of a kind of bio-identification

Technical field

The present invention relates to internet and mobile communication terminal technical field, particularly relates to a kind of exchanging method of bio-identification And system.

Background technology

With the development of the development of Internet technology and mobile communication technology, particularly internet and intelligent terminal technology, Feasibility is provided for the exchanging method and system of a kind of bio-identification.

At present, with wireless Internet and the development of internet, application is more and more, many electronic bill for exchange occurs Consumption pattern, user pre-purchase commodity or service and paid, and system issues electronic bill for exchange and consumed to consumer, user When, it is necessary to the place of exchange, or it is online exchange, the electronic bill for exchange of image mode is shown by mobile phone, or One section of very long redemption code in short message, electronic bill for exchange generally comprises one very long digital string code or one includes string code Bar code, the bar code on trade company end scanning user mobile phone is either manually entered the redemption code in string code or the short message on convertible note Mode, verify the authenticity and use state of the convertible note.

This mode is brought conveniently to user, and trade company need not print and issue converting for the papery of the entity of traditional approach Certificate is changed, user need not arrive live interim purchase and carry physical ticket or convertible note, but electronic bill for exchange is usually not To sign, its carrier is usually image or word, and image and word can replicate, and is shot, and forwarding, security has problem, Meanwhile user typically also needs to carrying mobile phone, the string code in the image viewing image on mobile phone is opened to scene, in some consumption Under scene, such as go to participate in sports activites, such as go swimming, user thinks that carrying mobile phone is not very convenient.

As biological identification technology is increasingly mature, various biometric identification capabilities are integrated with terminal, the most known to user Be iPhone fingerprint recognition, user very easily can be unlocked by fingerprint recognition, and recognition of face, iris know Not, the biological identification technology such as hand vein recognition is also gradually ripe, is gradually integrated on intelligent terminal, and most important application at present is only Only it is the unblock for carrying out mobile phone, for biological identification technology, application is excessively narrow, could not know well using biology Other technology.

The starting point of this patent is how online to be exchanged during lower consumption, in user without mobile phone, or with hand Machine, it is desirable to without being operated in merchant tenninal on the mobile phone of oneself, it is self-service enter line under exchange operation, without to converting Change and a little exchange and could consume in advance.

Meanwhile for different trade companies, it is not necessary to registered everywhere in different trade companies, in the case of in general, Yong Huxu Want carrying mobile phone to show that electronic bill for exchange, or fingerprint identification device at trade company end go to be identified, for a user, have Several inconvenience or worry：

1st, carrying mobile phone is needed to show image or short message, it is inconvenient sometimes, when such as going sports, or leave behind Mobile phone can not just be consumed；

Even if the 2, there is public fingerprint identification device at trade company end, certain customers consider privacy concern, or hygienic issues, are reluctant It is intended to trade company end and reads the biometric features such as fingerprint；

3rd, different trade companies is, it is necessary to carry out multiple registrations, and it is hidden to turn into potential safety for the biometric data such as registered fingerprint everywhere Suffer from, it is also very inconvenient for user；

, certain potential safety hazard be present or in some fields in the 4, mode blank and that forwarding can be replicated of electronic bill for exchange Close dangerous, under application scenes, mode of signing is more preferable, or certain customers wish to sign；

5th, entity convertible note system can not record the user of final convertible note, to the consumption big data user behavior analysis in future It is unfavorable.

Patent submitted at present is close to this patent just like following patent

1st, it is a kind of can fingerprint recognition consumption system, application number：201020582088.X

Which disclose it is a kind of can fingerprint recognition consumption system, computer respectively with fingerprint identification device, the POS, display fill Put and connected with printing equipment, the fingerprint identification device is connected with the POS.When consumer does not have band card, by finger By the finger print information that on fingerprint identification device, fingerprint identification device will be collected into, with the user fingerprints information stored in computer It is compared, contrasts successfully, then can smoothly consume, if contrast is unsuccessful, system prompt, it is necessary to verifies again.

The patent can solve the problem that user does not have band card, consume the problem of inconvenient.

2nd, the system and method for credit card purchase, application number are carried out by fingerprint recognition：201010618091.7

A kind of system that credit card purchase is carried out by fingerprint recognition is which disclose, applied to cloud computing server, it is special Sign is that the system includes：Setup module, the checking information of cloud computing server is accessed for setting and obtains the original of user Fingerprint, the original fingerprint of set checking information and user is stored to cloud computing server；Receiving module, for receiving The credit card information that ustomer premises access equipment is sent；Authentication module, the credit card sent for verifying the ustomer premises access equipment Whether information is consistent with the checking information that user is set；The receiving module, it is additionally operable to what is sent when the ustomer premises access equipment When credit card information is consistent with the checking information that user is set, the fingerprint to be verified that ustomer premises access equipment is sent is received；It is described Authentication module, for verify fingerprint to be verified that the ustomer premises access equipment sends whether with preserved in cloud computing server with Original fingerprint corresponding to the credit card information is consistent；And processing module, for believing when the fingerprint to be verified and the credit card The request of swiping the card of user is handled when original fingerprint corresponding to breath is consistent, swiping the card for the user is deducted in the credit card of user Spending amount, to complete bankcard consumption.

3rd, the charging system based on fingerprint authentication, application number：200510022078.4

The invention is the charging system based on fingerprint authentication.This system includes fingerprint authentication server, finger print information registration terminal With fingerprint authentication cashier terminal, interconnected in real time by network, operation fingerprint register, identification software, ensure user easily and safely Payment expense or processing account fund.Using the system, user is first in any finger print information registration terminal registering fingerprint information With the personal information such as bank account.Registered user be equipped with fingerprint authentication cashier terminal businessman and (or) bank payment or When handling Capital Flow, the system the fingerprint of fingerprint authentication cashier terminal typing is identified with registered fingerprint automatically compare with Identity is verified, reaches user charges or handles the purpose of Capital Flow.That is, user need to only register once, you can in office The businessman of what outfit fingerprint authentication cashier terminal or bank are with fingerprint no card spending.

These patents still have limitation：

1）The purpose of these patents is to pay, and pays and consumption does not separate, foregoing several patents are all on-site payments, no It is on-line payment, the pattern of consumption is exchanged, it is necessary to pay down, if at that time in scene after also not supporting or being not directed to prepayment Failing to pay cannot successfully consume；

2）Registration must arrive trade company's end system and be registered, it is impossible to pass through the mobile phone gathered data of user oneself and registration, meaning User to have to enter line bet volume to trade company scene, delay user time and energy, it is very inconvenient；

3）The application purpose of foregoing patent fingerprint is all to carry out on-site payment scene to withhold, and is not related to third party's on-line payment, It is not suitable with the scene of payment consumption separation；

4）Different systems, user must be multiple in multiple system registries, not or are not related to and support OAuth；

5）User must use the identification terminal at trade company end at the scene, not support the terminal of user oneself to access progress data and adopt There is system end local in collection and checking, the finger print data of two patents, can not be by network expansion to elsewhere；

6）Can not meet the needs of exchanging under line, on-site payment can only be carried out.

Patent on electronic bill for exchange

1st, a kind of network exchanging method and device, application number：201611222829.1

It which disclose a kind of network exchanging method and device.Methods described includes：In the exchange page is specified, user is received The exchange voucher and identifying code of input；Judge the validity of the exchange voucher and identifying code；Have when exchanging voucher and identifying code During effect, then generate convertible note and record the exchange content of convertible note, and the user is associated with the convertible note；Into institute The page corresponding to exchanging content is stated, judges user identity, when user identity meets preparatory condition, then allows user to be specified Operation.Network exchanging method, device and the electronic equipment provided by the embodiment of the present application, realizes a kind of networking of optimization and converts Method is changed, allows users to individually, targetedly carry out a certain certain content the exchange of authority.

2nd, a kind of electronics admission ticket（Admission ticket）/ convertible note offline verification method

Application number：201410130317.7

A kind of electronics admission ticket of the Invention Announce（Admission ticket）/ convertible note offline verification method, suitable for movie theatre, theater, park, Meeting exhibitions etc. is related to electronics admission ticket（Admission ticket）The scene place of/convertible note checking.On the one hand papery admission ticket needs to print Cost and not environmentally, another aspect user have trouble that is predetermined inconvenient and easily losing.The present invention provides a kind of brand-new machine System, solve electronics admission ticket or convertible note offline verification method, the electronics admission ticket or convertible note being related to generate, use and return The links such as biography.User holds electronics admission ticket（Admission ticket）/ convertible note can not consider network state when verifying, but by scraping offline Expose recognizable graphical information identification after removing the face coat of admission ticket/convertible note electronization generation.

The problem of these patents are present：

1）Need to input electronically validating code during consumption, or the bar code for allowing mobile phone to be scanned in image, easily error and trouble, are used Family still be unable to do without mobile phone, and user must carrying mobile phone；

2）Convertible note is based on page-images and word, blank, can forward, and replicates, shooting, and security has certain ask Topic；

3）A kind of network exchanging method and device, the method exchanged on a kind of line of description, do not possess on line and pay, exchanged under line Function, secondly, this patent needs multiple authentication to exchange, and generation needs user's input exchange voucher and identifying code to be exchanged Certificate, reuse during consumption convertible note exchange corresponding to commodity, multiple exchange be present, exchange voucher and convertible note function repeats；

4）A kind of electronics admission ticket（Admission ticket）/ convertible note offline verification method exchange or papery based on traditional printing and The mode of figure, the exchange based on mobile phone terminal and biometric feature it is not related to；

5）Different trade companies, user must be multiple in multiple system registries, it is impossible to which registration once uses everywhere, significantly limit Exchange；

Also existing common problem is exactly：

1）Do not support to pass through customer mobile terminal（Such as the mobile phone of user）Registration；

2）Do not support by customer mobile terminal,（Such as the mobile phone of user）Checking；

3）OAuth is not supported, once, different trade companies can use for registration；

4）Convertible note is not supported to sign；

5）The biological characteristic of user can not be combined as the voucher exchanged；

6）The exchange behavioral data of user can not be recorded, the data analysis in future can not be supported；

Registered and verified by the way that the mobile terminal based on user is self-service, bio-identification number is carried out by the terminal of user oneself According to collection and checking and exchange, or another mode, user directly pass through trade company end completely without carrying mobile phone Terminal carries out the exchange under the laggard line of bio-identification, realizes and is paid on a kind of flexible line, the side for the consumption exchanged under line Method.

In view of this, it is a kind of simple and easy it is an object of the invention to propose, merge internet and intelligent terminal The exchanging method and system of a kind of bio-identification.

The content of the invention

The exchanging method and system of a kind of bio-identification, are comprised the following steps and system：

1) user is in system registry, the biometric data of user bound, setting verification mode；

2) user buys convertible commodity or service in store, is paid online by payment system；

3) payment result of user is returned to store, store synchronization payment data to system by payment system, and system preserves user Payment data and redemption of conditional；

4) user asks to exchange commodity or service, by user terminal or system terminal, chooses and exchanges object, reads user biological Identification data, and obtain trade company's identification data；

5) including user terminal or system terminal identify user data, biometric data, redemption request data, trade company Data are sent to system, initiate redemption request；

6) system processing redemption request, verifies redemption request, determines whether to exchange；

7) judged result of redemption request is sent to system terminal by system, and trade company decides whether to allow user according to result is exchanged Exchange；

8) data after exchanging are recorded in system, record of conversion and the foundation with trade company settled accounts of the data as user；

Wherein, system contains user terminal, system terminal, background system, payment system, store；

User terminal refers to including the mobile phone of biological support identification function, flat board, the various equipment including portable computer, biology Identification is known including but not limited to fingerprint recognition, recognition of face, iris recognition, hand vein recognition, Application on Voiceprint Recognition, personal recognition, gait Not, there is provided biometric data acquisition and the function of identification, biometric feature can be used as terminal local logging on authentication, and The voucher for the system authentication user that user exchanges；

System terminal is the terminal device with system interaction, there is provided biometric data acquisition, the function with system interaction, is passed through Network is connected with system, is positioned over trade company end, and system regards terminal as the terminal user of system, it is necessary to be registered in system, swashed System could be accessed after living and login；

Background system is the systemic-function part that system end is located at backstage, includes service interface, service logic, data storage and pipe Reason, system door and each functional module, comprising user management, user's registration and authentication, biological attribute data processing And preservation, data verification, checking is exchanged, data preserve, and user's requests verification, and various external systems interact, software liter The various supplemental functionalities of level；

Payment system includes the payment subsystem of system and third-party payment system, and system passes through peace with third-party payment system Full network connection interacts；

Store is system store or third party store, and the store that user can be online on lower and line is bought, after purchase, business User profile, user's payment information and redemption data are synchronized to system by city.

Further, exchanging method and the system for passing through a kind of bio-identification provided are easily based on biological characteristic for one kind The exchange development of identification provides powerful guarantee, meets that user each side requires, lifts user friendly experience.

To achieve the above object, one aspect of the present invention provides the exchanging method and system of a kind of bio-identification, should Method includes：

User is noted in system platform registration and the biometric data of user bound, setting verification mode, user in system Volume, unique ID in system generation system, during registration or after registration, user passes through user terminal or system terminal The biological attribute data of user is gathered, biological attribute data is quiet including but not limited to fingerprint recognition, recognition of face, iris recognition Arteries and veins identification, Application on Voiceprint Recognition, personal recognition, the biometric data of Gait Recognition, as user biological identification data, the use of collection Living things feature recognition data in family are handled according to the Processing Algorithm of agreement in terminal or system, and user biological identification data is with using User data, user terminal binding, meanwhile, user can set verification mode, and verification mode supports different or multiple bio-identifications The combination of data, the combination comprising orderliness and different types of biometric data to improve security, after the completion of, Yong Hu User terminal can be logged in and be participated in exchange using user biological identification method.

In addition to terminal user, system terminal be also regarded as the user of system, it is necessary to registered in system, activate and System could be accessed after login, system is that the uniqueness that system terminal is distributed in log-on message or system terminal using terminal is known Other data, can be unique identification in MAC Address or the system for passing through each uniqueness identification data calculating in terminal As the user name of login system, system terminal is registered and activated in system, register and activation can as it is automatic or after Platform management platform manual registration and activation, system preserve the log-on message of system terminal, signed in when system terminal is started shooting every time System, system are authenticated and authenticated to system terminal, ensure the legal system terminal for system.

User buys service or commodity in store, and store includes system store and third party store, and system supports OAuth to step on The mode of record, i.e. third party system are logged in using system account, and by payment system on-line payment, payment system can be system Payment subsystem or third-party payment system, user can with opened in system payment account or use third-party payment System is paid, and payment result returns to store, and store is same by data needed for user data and payment result data and exchange System preservation is walked, includes institute's payment information, redemption of conditional, user profile and merchant information.

User asks to exchange prepaid service or commodity, by user terminal or system terminal, obtains user biological and knows Other data, merchant tenninal identification data and exchange object, initiate redemption request, as user is provided with different or multiple biologies The verification mode of the combination of identification data, the then order set according to user distinguish multiple living things feature recognition data successively, read The living things feature recognition data taken can be for initial data or according to level of security, according to the algorithm arranged with system in terminal Side is handled and verified that processing mode can make including but not limited to Hash, the encryption of symmetrical and asymmetric key, the link of transmission Use encrypted link.

By user terminal or system terminal, by encrypted link, including but not limited to HTTPS, user biological is identified Data, trade company's identification data, redemption data, user data is initiated, and safety verification data are sent to system, system, which receives, to be converted After changing request, redemption request is verified, includes biometric data, user data, terminal data and safety verification number According to, verified and judged, checking redemption request；

Checking includes：

Living things feature recognition data verification：System is carried out to the living things feature recognition data obtained in message with the data in system Compare, judge whether unanimously, such as the multiple orderly identification datas checkings of user's setting, then to need to judge that order and each data are It is no consistent；

The checking of user data：Judge biometric matches to user whether match with the user data in request message, with And the user data in user message determines whether system validated user by authentication, ensure as system validated user and It is consistent with the user matched；

The checking of user terminal：According to user terminal bind set, checking terminal whether be the user binding user terminal；

The checking of system terminal：The request such as initiated for the system terminal at trade company end, the system terminal at trade company end is carried out first Authentication, ensure as legal system terminal user；

Checking to safety verification data：Safety verification data are used to verify the correct of the data that message package contains and are not tampered with；

The checking of redemption of conditional：

After above-mentioned be verified, system checking redemption of conditional, redemption of conditional is stored in system end, includes time, place, trade company And redemption of conditional set in advance.

The payment of exchange object in system checking user's redemption request and exchange state, and whether meet to exchange bar Part, comprising：

1）Whether the User Status of user name is normal corresponding to the user biological identification data of reading；

2）Whether system user state is normal corresponding to merchant tenninal；

3）Whether user terminal is bound, and whether binding terminal meets the binding terminal feature that system end preserves；

4）It is whether redeemed or paid；

5）Redemption of conditional, whether can be exchanged comprising this trade company, whether time, place meet；

Meet that above-mentioned condition system i.e. judgement can exchange；

Final the result is sent back to trade company by system, and trade company decides whether to allow user to exchange according to the result, simultaneously System retains the redemption request data of user, and the data as the exchange daily record for the foundation and user settled accounts with trade company in the future are come Source.

In a kind of exchanging method of bio-identification provided by the invention and one embodiment of system, this method also includes：

In a kind of exchanging method of bio-identification provided by the invention and one embodiment of system, this method also includes：

Living things feature recognition data are handled in terminal or system end, and the purpose of processing is protection initial data, will be original Data processing is unique and unreducible data, and the initial data for revealing user, processing will not be also caused even if leaking data Mode including but not limited to Hash and it is various possess irreversible and uniqueness data encryption processing mode, processing mode according to Need to be upgraded in system and terminal, the data after processing are stored in system platform, as identification user biological identification The foundation of data, and the ID users of the data of user biological identification and system are bound and mapped

User can register and bind single or multiple terminals as the terminal authorized, and the mode of binding is the unique of acquisition terminal Property hardware characteristics identification data, is bound, hardware characteristics identification data includes fuselage code, MAC Address, IMEI with user account Or MEID, the hardware identification data of the various uniqueness on SIM card sequence number and terminal, by uniqueness algorithm, comprising but Hash is not limited to, single or multiple data are calculated into hardware fingerprint and preserve system, terminal all will in request every time Calculate the data and be reported to system, for system by each hardware characteristics data for comparing and being preserved during registration, user selects binding eventually End, whether allow same user account on the terminal of one or more binding log in, otherwise system does not limit user if setting Terminal.

In a kind of exchanging method of bio-identification provided by the invention and one embodiment of system, this method also includes：

In a kind of exchanging method of bio-identification provided by the invention and one embodiment of system, this method also includes：

Redemption request is initiated to initiate comprising user terminal or the system terminal at trade company end is initiated, and user is in user terminal or business The system terminal selection at family end is initiated to exchange after exchanging object：

1）Initiate to ask by user terminal：

User gathers the biometric feature data of user oneself by the mobile terminal of oneself, using identification user, obtains and uses The object that family can cash, user selects to exchange object, blue including but not limited to NFC by way of close range wireless communication Tooth, WIFI, RFID, or by way of scanning the bar code comprising merchant identification information, or by inputting trade company's identification coding, obtain Take the identification information of the uniqueness in the system of trade company；

2）Initiated by the system terminal at trade company end：

A：User is without using the user terminal of oneself：User carries out biological characteristic recognition in system terminal, and system terminal, which is read, to be used Family biometric feature data, user is identified, obtain the object that user can cash, user selects to exchange object, and system terminal is Unique trade company identification data in system is contained, reads user biological identification data and trade company's identification data；

B：User uses the user terminal of oneself：User exchanges object, system terminal scanning user terminal in user terminal selecting The upper bar code for including user's uniqueness identification information, or user terminal is sensed by above-mentioned short-distance wireless mode, obtain user Identification information, system finds user terminal and the user account information that the user binds by customer identification information after acquisition, with And user exchanges object, initiate user to the user and ratify a motion message, after user sees request, by bio-identification mode, User terminal reads the living things feature recognition data of user, judges whether success, and by the data and judged result of recognition System is returned to, system returns again to recognition result to system terminal.

In a kind of exchanging method of bio-identification provided by the invention and one embodiment of system, this method also includes：

In a kind of exchanging method of bio-identification provided by the invention and one embodiment of system, this method also includes：

The algorithm of data processing and authentication function processing for it is configurable and can online upgrading, end side and system side take algorithm The mode of negotiation determines algorithm, ensures user terminal, the software module and algorithm of system terminal and system end can synchronously with Upgrading, security intensity is lifted, further improve the security of checking.

Specifically there is advantages below：

It is more convenient：

Complete living things feature recognition and checking, it is not necessary to input electronically validating code or redemption code, it is not necessary to scanning cell phone image；

Support to exchange using customer mobile terminal or completely without using customer mobile terminal, usually the mobile phone of user is converted Change, the user profile identified according to merchant tenninal, the prepaid convertible information of the corresponding user inquired about automatically under the trade company, Using more convenient.

It is safer：

Exchange with user carried out close binding, comprising biometric feature, user profile, and user terminal it is close Binding, user need not consider traditional convertible note existing the problem of losing.

The biometric information of user, after treatment, initial data no longer preserves, what terminal or system preserved be by Biometric data after processing, it can not reduce, security is guaranteed.

Secondly, user, which logs in, need not input username and password, by way of bio-identification, such as fingerprint, be awarded Power and login, are reduced or avoided the stolen problem of username and password, user is obtained greatly using the security of various applications Lifting.

Consumption is separated with payment process, supports third-party payment system, it is not necessary to user bound bank account.

The combination of multiple biological characteristics is supported, for example, multiple fingerprints can be bound, and specifies the use order of fingerprint, structure Into finger-print cipher, such as：First forefinger, second middle finger, the combination of the 3rd face improve security, and fingerprint does not store In trade company's end system, system data center is stored in；

Biometric data encryption storage, irreversibly handles, ensure that the safety of user biological identification data.

Using flexible：

User terminal registration is supported, user supports user terminal consumption using the mobile phone collection fingerprint self-help registration of user oneself Carrying mobile phone is not verified by checking and support user, meets certain customers and the privacy and health that are gathered using trade company's end equipment are asked The worry of topic.

Support OAuth：

Based on OAuth frameworks and a registration center, solve different businessmans and be required for registering and gathering biometric data, number According to repetition, user needs multiple the problem of registering；

Brief description of the drawings

Accompanying drawing described herein is used for providing a further understanding of the present invention, forms the part of the application, this hair Bright schematic description and description is used to explain the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings：

Fig. 1 is present system schematic network structure.

Fig. 2 is present system modular structure schematic diagram.

Fig. 3 is user's registration schematic flow sheet of the present invention.

Fig. 4 is user's process of purchase schematic diagram of the present invention.

Fig. 5 is exchange schematic flow sheet of the present invention.

Embodiment

The present invention is described more fully with reference to the accompanying drawings, wherein illustrating the exemplary embodiment of the present invention.

To achieve the above object, it is proposed that a kind of bio-identification exchanging method and system.

Below by way of with reference to accompanying drawing, embodiments of the present invention are described.

Realize a kind of bio-identification exchanging method and system key point it is as follows：

1st, biometric data processing and mapping：

Setting based on level of security, the user biological identification data of reading, gives tacit consent to without using initial data, original reading Data after treatment, are optionally stored in terminal, and upload to system, and the unique information of data and user after processing enters Row mapping, i.e., map, predominantly ID one by one with user in the uniqueness recognition user information of system.

The mode of data processing includes the processing modes such as hash Hash, data encryption, digital signature, it is characterized in that processing side Formula need ensure data processing after it is unique and irreversible, i.e., can not be reduced, while keep uniqueness of the data in system.

2nd, user's registration and terminal binding：

It is to obtain the hardware of terminal that user, which can register and bind single or multiple terminals as the terminal authorized, the mode of binding, Biometric data, mapped with user account, hardware characteristics identification data includes fuselage code, MAC Address, IMEI or MEID, the hardware identification data of the various uniqueness on SIM card sequence number and terminal, by uniqueness algorithm, comprising but not Hash is confined to, these data are calculated into hardware fingerprint and preserve system, end side will all be recalculated in request every time The data are simultaneously reported to system, and user selects binding terminal, and whether setting allows same user account to be tied up in one or more Logged in fixed terminal, otherwise system does not limit user terminal.

3rd, the digital independent based on user equipment：

Digital independent during comprising registration and reading during exchange, user can select to carry out by the terminal device of user oneself The reading collection of biometric data, such as can gather the finger print data of oneself by cell phone apparatus, and support to gather multiple Or a variety of biometric datas, and orderly data sequence is formed, security is further increased, such as：First is user Right hand index fingerprint, second fingerprint for the middle finger of left hand, must be fulfilled for the two fingerprints during checking and order be consistent.

4th, the digital independent based on system terminal equipment：

User can take without using user terminal, be in general user smart mobile phone, the terminal for being completely dependent on system sets Standby, such benefit is that user not carry any equipment, and the reading of biometric data is carried out by the terminal device of system Interacted with system.

5th, checking is exchanged：

User is verified at trade company when needing to exchange, includes following checking：

1）User terminal is initiated：User reads user biological by user terminal, such as mobile phone of user

Identification data, trade company is scanned by mobile phone and identifies Quick Response Code, Quick Response Code includes the uniqueness in the system of trade company's end terminal Identification data, or short-distance wireless communication by way of, including but not limited to NFC, RFID, bluetooth, WIFI or WIFI- Direct etc., the identification data of trade company is obtained, after the processing mode that biometric data is appointed is handled, with business Family identification data, and the data for needing to exchange object are reported to system to be verified；

2）The system terminal at trade company end is initiated：

1st, user does not carry mobile terminal, usually the mobile phone of user, and the biology of user is distinguished by the terminal device at trade company end Identification data, merchant tenninal equipment read the biometric data family of user, the trade company distributed together with the system built in equipment Recognition sequence number, and the data of exchange object that user chooses are sent to system and verified；

2nd, user carries mobile terminal, and the bar for identifying and encoding and comprising coding comprising user's uniqueness is applied on user terminal Code, merchant tenninal scan the bar code of subscriber terminal side, or by foregoing short-distance wireless mode, obtain customer identification information and User terminal information, after obtaining these information, together with trade company's recognition sequence number of the system distribution built in equipment, Yi Jiyong The data for the exchange object that family is chosen are sent to system and verified, system will initiate the request of user's approval to user terminal, User sees message and agrees to read, and reads user biological identification information on the subscriber terminal, and terminal judges it is the use registered After the biometric information of family, the message that user agrees to is returned into system, system is further continued for completing the checking exchanged.

3）System verifies to redemption request, the checking comprising user terminal, and the checking of user terminal is

User bound terminal is checked whether, as binding needs to compare the hardware characteristics value of user terminal, the checking of merchant tenninal, business The checking of family terminal needs to be authenticated merchant tenninal and authenticate, and exchanges the checking of user, exchanges the checking needs pair of user The identity for exchanging user is authenticated and authenticated, and exchanges the checking of object, redemption of conditional is judged, judges the time, place, Trade company, and the various redemption of conditional being previously set.

6th, data verification

System checking is contained to user, the checking of the request to terminal and to user and trade company, and the purpose of checking is to ensure User, terminal, the legitimacy of trade company and request.

1）User's checking：System of users accesses system and is verified that the mode of checking, which is given tacit consent to, takes user biological feature The knowledge of data otherwise, can also be being supported simultaneously by the way of username and password, system supports user biological characteristic Identification and traditional user name password login；

2）Terminal authentication：User there is provided user terminal in the case where binding, and system is by the hardware fingerprint of the terminal of user Data are verified, are contrasted the hardware fingerprint data that the hardware fingerprint data transmitted in request message preserve with system end, are ensured Terminal is the user terminal that user specifies.

3）Message data is verified：By verification algorithm, verification algorithm can use different checkings according to the agreement of system Algorithm, most common have a CRC check, the mode of the cryptographic Hash of one section of Hash calculation or whole primary datas, ensures message body It is not tampered with during transmission.

7th, biometric information combines：

Biometric data can be carried out the combination of cryptographic property, be read by terminal by system in order to further improve security The single or multiple biometric feature information at family are taken, after treatment, the system of uploading to is identified and compared, and comparison can To be the comparison of single biometric information or the comparison of multiple orderly recognition results, for example, comparing the knowledge of single finger Other information or contrast forefinger, the recognition result for having precedence of thumbprint, according to the result of identification and user to terminal Security restriction, device authentication again can be carried out to terminal, verified whether as the registered user belonging to recognition result under one's name The terminal device of registration, sent and be proved to be successful or failed message according to the result.

8th, the registration of trade company end terminal device, activation, login

System terminal be considered as the terminal user of system, it is necessary to after system is registered, activated and logged in could access system, remove Outside terminal user, system terminal is also considered as one of user type of system by system, system be system terminal distribute or Using the uniqueness identification data of system terminal as the user name of login system, system terminal is registered in system and registered, System preserves the information of system terminal, needs to sign in system when system terminal is started shooting every time, system recognizes system terminal Card and authentication, ensure the legal system terminal for system

The structure and flow of system are described below.

As shown in figure 1, a kind of exchanging method of bio-identification and the topology of system mainly include：

System 100：

The background system of the present invention, include background management system, operation system, service, interface, store etc.；

Third party system 101：

Comprising third-party payment system and third party store, user can be paid by third-party payment system, Ke Yitong Cross third party store to be bought, interacted with system by communication modes such as interfaces.

The OAuth services that third party system can use system to provide are logged in, in the commodity of third party system purchase Or service and payment information will synchronize to system.

Internet 102：

Include internet and communication network, there is provided the carrying of the passage and communication service capabilities of data access and access, it is such as solid Fixed width band, WIFI data channel, mobile communication voice and short message channel, data and bearer service are transmitted by internet.

System terminal 103：

The terminal at trade company end is directly disposed comprising system, there is provided the user biological characteristic collection at trade company end, support and user Mobile phone is communicated by modes such as short-distance wireless, there is provided terminal two-dimensional bar code, can be electronically, or printing the side of putting up Formula, it is defaulted as on system terminal display screen electronically, showing the function of the end sides such as the exchange result of user.

User terminal 104：

The equipment such as the terminal device that user uses, such as computer, flat board, smart mobile phone, the intelligent terminal of biological support feature recognition Equipment, fingerprint recognition, face recognition, iris recognition etc. are such as supported, the Portable intelligent terminals such as smart mobile phone is commonly referred to as and sets It is standby.

Fig. 2 is shown as present system modular structure schematic diagram.

, trade company end：

Service logic 201：

The business logic modules of trade company's end software, it is responsible for the service logic control at trade company end.

System interaction 202：

It is responsible for the module of the interface interchange and system message processing interacted with system.

Bio-identification collection 203：

The functional module of the collection user biological identification feature at trade company end, can be distinguished comprising fingerprint, vein, iris etc. with uniqueness The biological characteristic of user.

The data of collection are handled, handle the functional module of the user biological biometric data of acquisition, to collection Data handled, comprising encryption, signature, the processing mode such as hash, the data after guarantee processing are irreversible and uniqueness.

The living things feature recognition data of collection, user's identification is carried out by system interaction Request System.

Short-distance wireless interaction 204：

Trade company end provides the functional module for carrying out short-distance wireless with user terminal and interacting, to pass through short-distance wireless equipment and user Terminal device interacts, and carries out the interaction and transmission of data.

Input 205：

Trade company end provides the input module interacted with system, and user's work(of input can be provided comprising keyboard, touch-screen etc. Can module.

Data storage 206：

The data storage function module at trade company end, comprising modes such as data, local files, the information of storage can be original The data of collection or living things feature recognition data after treatment.

Other functional modules 207：

Other conventional functional modules of system, such as system login, system authentication function module, Software upgrade module, log in mould Some conventional software modules such as block, log pattern.

2nd, user terminal：

Service logic 208：

The logic of business functions module of user terminal, the service logic and flow of user terminal are controlled, is handed over other functional modules Mutually and call, complete the miscellaneous service operation of user terminal.

System interaction 209：

The functional module that user terminal interacts with system, the calling of function is carried out by system interaction and system, and message connects Receive and handle.

Bio-identification and collection 210：

The acquisition function module of the user biological identification data of user terminal, biology is carried out by the biometric hardware of mobile terminal The data of collection are encrypted by the reading and collection of identification data.

Short-distance wireless interaction 211：

User terminal provides the functional module for carrying out short-distance wireless with merchant tenninal and interacting, to pass through short-distance wireless equipment and trade company Terminal device interacts, and carries out the interaction and transmission of data.

Data storage 212：

The data storage function module of user terminal, the related various data of storage service, generally in the form of database or file, And the interface for providing data manipulation is called for other modules.

Other functional modules 213：

The conventional functional module of some of user terminal, management and configuration feature module such as system end, manages and configures various industry The conventional func modules such as business parameter, log pattern, login module, registration.

3rd, transmission end：

Internet 214：

Internet, for providing the passage of data access and access, carry out the transmission of message and data.

, system end

System door 215：

The portal interface of system, the passage for carrying the service logic of user and system and accessing, generally with the side of management platform Formula is presented.

System store 216：

The store of system end, user can carry out function necessary to online purchase and consumption, and online store in store, comprising The presentation of commodity, the restocking undercarriage of commodity, the record of user's shopping, shopping clearing, physical state inquiry etc..

Store interface 217：

Store and the interface of external system, such as third-party payment system, complete store interacted with the various functions of external system and Message, data transmission,

Business checking 218：

Business authentication function module, the customer service checking request at user terminal and trade company end is verified, ensure service request Legitimacy and credibility.

Data Verification module 219：

The data processing module of system end, the functional module of the user biological biometric data of acquisition is handled, calculated according to checking Method verifies to the data of collection, judges whether user data is valid data in the system, such as public and private key mode pair User data is judged that data processing can include multi-enciphering, such as Hash first, the mode then signed again, is ensured Data it is complete and credible.

OAuth modules 220：

The OAuth service module functions of system, the OAuth services of system are provided for each third-party application platform.

OAuth service interfaces 221：

The request interface that the OAuth of third-party application and OAuth service platforms is serviced, initiates to arrive by OAuth service interfaces The request of the OAuth services of OAuth service platforms, and receive the response message of OAuth service platforms.

User management 222：

The subscriber management function module of system end, comprising user's registration, user logs in, and user right etc. is related to user's Various management functions.

Terminal management 223：

The terminal management functional module of system end, is managed to merchant tenninal and user terminal, the registration comprising terminal, steps on Record, control of authority etc., such as the pause of terminal logon rights, are opened.

Trade management 224：

The trade management functional module of system end, user is managed in the transaction that system is exchanged, comprising transaction verification, The monitoring and control of stateful transaction and inquiry based on transaction etc. the various functions relevant with transaction.

Third-party payment interface 225：

The interactive interface of system and third-party payment system, user can be paid by third-party payment system, and system is led to Cross the pay status of interface captures user.

Service logic 226：

The logic of business functions module of system end, it is responsible for the miscellaneous service logic at control and execution system end.

Data storage 227：

The data storage function module of system end, there is provided data storage and access visit function, preserve the various numbers of system end According to needing data to be saved comprising user profile, log-on message, terminal feature data message and various system ends.

Other functional modules 228：

Other common general functional modules of system end, because system expandable, functional module will be on the increase, such as Software upgrade module, daily record monitoring, user behavior monitoring modular etc., because length is uniformly included in this module.

Other systems interactive interface 229：

With the functional module interacted of various other third party systems, such as short message interface module, because of set expandability, outside connects Mouth is included in this interface module.

Terminal interaction interface 230：

The interactive interface of system end and terminal, comprising user terminal and merchant tenninal, interact and lead to terminal by interface Letter.

5th, third party system：

Third party store 231：

Various third party stores, user can be done shopping above, and the payment data of shopping is handed over by interface and system Mutually, data syn-chronization and communication.

Third-party payment system 232：

Various third-party payment systems, user are paid using various third-party payment systems, and third-party payment system passes through System payment interface interacts with system, data syn-chronization and communication.

Third party system 233：

Various third-party systems, are interacted by system interface and system, data syn-chronization and communication, such as note system, are System calls the function of note system to send and receive short message.

Fig. 3 is shown as register flow path schematic diagram of the user of the present invention in user terminal.

As illustrated, user equipment registration flow comprises the following steps：

Step 301：User asks registered user's account on mobile terminals；

Step 302：Terminal gathers user biological identification information and facility information；

Step 303：Whether the information that system checking user provides meets that registration requires；

Step 304：User's registration data are preserved if meeting, generate user account and corresponding account data, user bound Biometric information and user account information and terminal feature identification information；

Step 305：As being unsatisfactory for, error message is reported, this register flow path terminates；

Fig. 4 is shown as user and buys exchange flow, comprises the following steps：

The commodity or service that step 1, user need in store purchase；

Step 2, user determine purchase, carry out on-line payment；

Step 3, payment system receive the payment request of user, perform payment flow；

The data of payment result are returned to store by step 4, payment system；

Step 5, such as successfully pay, store synchronizing user data and payment data, the data such as redemption data are to system；

Step 6, system preserve data to system；

Step 7, simultaneously, payment result is pushed to user by store；

Give one example below to illustrate the exchange flow of a kind of exchanging method of bio-identification of user of the present invention and system, As shown in figure 5, in the embodiment, comprise the following steps：

Step 1. user chooses exchange object, the object of the service of request exchange purchase or commodity at trade company；

Step 2. user selection is the mobile terminal using oneself or the system terminal progress biological characteristic using trade company end Identification and data acquisition；

Step 3. such as user's selection initiates redemption request using the mobile terminal of oneself, special by user's terminal recognition user biological Identification data is levied, after reading and identifying, carries out the identification of trade company（Trade company identifies sub-process：By short-distance wireless transmission or sweep The mode for retouching trade company's end Quick Response Code obtains the terminal recognition coding of trade company, and merchant tenninal identification coding is carried out in system to trade company Mapping and binding）；

Step 4. or user's selection initiate redemption request using the system terminal at trade company end（System terminal initiates sub-process, bag It is corresponding referring specifically to claim 9 and specification containing mobile terminal of the user using oneself and the mobile terminal without using oneself Declaratives）；

Step 5. successfully obtains the living things feature recognition data of user and the knowledge at trade company end in user terminal or merchant tenninal After other data, after the algorithm arranged data is handled, the data for exchanging object are carried, Request System is converted Change；

The redemption request that step 6. system obtains user terminal or merchant tenninal is sent, verifies whether user or trade company close Method；

Step 7. judges whether this can exchange such as the request for validated user, system（Judge to do shopping corresponding to user data The state of payment data, if successfully pay and whether exchanged or met redemption of conditional）, disappear as non-rule returns to mistake Cease the user terminal to merchant tenninal and binding；

Step 8. system returns to the result of exchange to the terminal and the user terminal of binding of trade company；

The result for whether allowing to exchange that step 9. returns according to system, trade company end allow to exchange or refuse to exchange.

Step 10. system records the data of this exchange, is settled accounts as the record data source of user's exchange and with trade company Data.

Description of the invention provides for the sake of example and explanation, and is not exhaustively or limits the invention to Disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selection and description are real Apply example and be to more preferably illustrate the principle and practical application of the present invention, and make one of ordinary skill in the art it will be appreciated that this Invention is so as to designing the various embodiments with various modifications suitable for special-purpose.

Claims (10)

1. the exchanging method and system of a kind of bio-identification, it is characterised in that comprise the following steps and system：

1）User is in system registry, the biometric data of user bound, setting verification mode；

2）User buys convertible commodity or service in store, is paid online by payment system；

3）The payment result of user is returned to store, store synchronization payment data to system by payment system, and system preserves user Payment data and redemption of conditional；

4）User asks to exchange commodity or service, by user terminal or system terminal, chooses and exchanges object, reads user biological Identification data, and obtain trade company's identification data；

5）Including user terminal or system terminal identify user data, biometric data, redemption request data, trade company Data are sent to system, initiate redemption request；

6）System handles redemption request, verifies redemption request, determines whether to exchange；

7）The judged result of redemption request is sent to system terminal by system, and trade company decides whether to allow user according to result is exchanged Exchange；

Data after exchange are recorded in system, foundation of the data as the record of conversion of user and with trade company clearing；

Wherein, system contains user terminal, system terminal, background system, payment system, store；

User terminal refers to including the mobile phone of biological support identification function, flat board, the various equipment including portable computer, biology Identification is known including but not limited to fingerprint recognition, recognition of face, iris recognition, hand vein recognition, Application on Voiceprint Recognition, personal recognition, gait Not, there is provided biometric data acquisition and the function of identification, biometric feature can be used as terminal local logging on authentication, and The voucher for the system authentication user that user exchanges；

System terminal is the terminal device with system interaction, there is provided biometric data acquisition, the function with system interaction, is passed through Network is connected with system, is positioned over trade company end, and system regards terminal as the terminal user of system, it is necessary to be registered in system, swashed System could be accessed after living and login；

Background system is the systemic-function part that system end is located at backstage, includes service interface, service logic, data storage and pipe Reason, system door and each functional module, comprising user management, user's registration and authentication, biological attribute data processing And preservation, data verification, checking is exchanged, data preserve, and user's requests verification, and various external systems interact, software liter The various supplemental functionalities of level；

Payment system includes the payment subsystem of system and third-party payment system, and system passes through peace with third-party payment system Full network connection interacts；

Store is system store or third party store, and the store that user can be online on lower and line is bought, after purchase, business User profile, user's payment information and redemption data are synchronized to system by city.

2. the exchanging method and system of a kind of bio-identification as claimed in claim 1, it is characterised in that user notes in system platform The biometric data of volume and user bound, verification mode is set, user is registered in system, unique in system generation system ID, during registration or after registration, user passes through user terminal or system terminal gathers the biological characteristic number of user According to biological attribute data is including but not limited to fingerprint recognition, recognition of face, iris recognition, hand vein recognition, Application on Voiceprint Recognition, palmmprint Identification, the biometric data of Gait Recognition, as user biological identification data, the user biological biometric data root of collection Being handled according to the Processing Algorithm of agreement in terminal or system, user biological identification data is bound with user data, user terminal, Meanwhile user can set verification mode, verification mode supports the combination of different or multiple biometric datas, includes orderliness Combination with different types of biometric data to improve security, after the completion of, user can use user in user terminal Bio-identification mode is logged in and participated in exchange.

3. the exchanging method and system of a kind of bio-identification as claimed in claim 1, it is characterised in that except terminal user it Outside, system terminal be also regarded as the user of system, it is necessary to after system is registered, activated and logged in could access system, be Unite the uniqueness identification data distributed for system terminal in log-on message or system terminal using terminal, can be MAC Address Or unique identification is used as the user name of login system in the system calculated by each uniqueness identification data in terminal, System terminal is registered and activated in system, registers and activation as automatic or back-stage management platform manual registration and can swash Living, system preserves the log-on message of system terminal, and system is signed in when system terminal is started shooting every time, and system is carried out to system terminal Certification and authentication, ensure the legal system terminal for system.

4. the exchanging method and system of a kind of bio-identification as claimed in claim 1, it is characterised in that user buys in store Service or commodity, store include system store and third party store, and system supports the mode that OAuth is logged in, i.e. third party system Logged in using system account, by payment system on-line payment, payment system can be the payment subsystem or the 3rd of system Square payment system, user can be paid to open payment account in system or using third-party payment system, pay knot Fruit returns to store, and store preserves data syn-chronization needed for user data and payment result data and exchange to system, includes institute Payment information, redemption of conditional, user profile and merchant information.

5. the exchanging method and system of a kind of bio-identification as claimed in claim 1, it is characterised in that user asks to exchange The service of payment or commodity, by user terminal or system terminal, obtain user biological identification data, merchant tenninal identification data And object is exchanged, redemption request is initiated, as user is provided with the authentication of the combination of different or multiple biometric datas Formula, the then order set according to user distinguish multiple living things feature recognition data successively, and the living things feature recognition data of reading can Think initial data or according to level of security, handled and verified in end side according to the algorithm that system is arranged, handled Encrypted link can be used including but not limited to Hash, the encryption of symmetrical and asymmetric key, the link of transmission in mode.

6. the exchanging method and system of a kind of bio-identification as claimed in claim 1, it is characterised in that by user terminal or System terminal, by encrypted link, including but not limited to HTTPS, user biological identification data, is exchanged at trade company's identification data Data, user data is initiated, and safety verification data are sent to system, and after system receives redemption request, redemption request is entered Row checking, comprising biometric data, user data, terminal data and safety verification data, is verified and is judged, is verified Redemption request；

Checking includes：

1）Living things feature recognition data verification：System is entered to the living things feature recognition data obtained in message with the data in system Row compares, and judges whether unanimously, such as the multiple orderly identification datas checkings of user's setting, then to need to judge order and each data It is whether consistent；

2）The checking of user data：Judge biometric matches to user whether match with the user data in request message, And the user data in user message determines whether system validated user by authentication, ensure as system validated user And the user with matching is consistent；

3）The checking of user terminal：According to user terminal bind set, checking terminal whether be the user binding user terminal；

The checking of system terminal：The request such as initiated for the system terminal at trade company end, the system terminal at trade company end is carried out first Authentication, ensure as legal system terminal user；

4）Checking to safety verification data：Safety verification data are used to verify the correct of the data that message package contains and not usurped Change；

The checking of redemption of conditional：

After above-mentioned be verified, system checking redemption of conditional, redemption of conditional is stored in system end, includes time, place, trade company And redemption of conditional set in advance；

The payment of exchange object in system checking user's redemption request and exchange state, and whether meet redemption of conditional, wrap Contain：

1）Whether the User Status of user name is normal corresponding to the user biological identification data of reading；

2）Whether system user state is normal corresponding to merchant tenninal；

3）Whether user terminal is bound, and whether binding terminal meets the binding terminal feature that system end preserves；

4）It is whether redeemed or paid；

5）Redemption of conditional, whether can be exchanged comprising this trade company, whether time, place meet；

Meet that above-mentioned condition system i.e. judgement can exchange；

Final the result is sent back to trade company by system, and trade company decides whether to allow user to exchange according to the result, simultaneously System retains the redemption request data of user, and the data as the exchange daily record for the foundation and user settled accounts with trade company in the future are come Source.

7. the biometric data of acquisition is handled as claimed in claim 2, it is characterised in that living things feature recognition number Handled according in terminal or system end, the purpose of processing is protection initial data, by original data processing for uniquely and not Reducible data, the initial data for revealing user will not be also caused even if leaking data, processing mode is including but not limited to Kazakhstan It is uncommon and it is various possess irreversible and uniqueness data encryption processing mode, processing mode as needed can in system and terminal To be upgraded, the data after processing are stored in system platform, as the foundation of identification user biological identification data, and by user The data of bio-identification and the ID users of system are bound and mapped.

8. system binding user data as claimed in claim 2, user biological identification data and user bound terminal, it is special Sign is that it is to obtain terminal that user, which can register and bind single or multiple terminals as the terminal authorized, the mode of binding, Unique hardware biometric data, is bound with user account, and hardware characteristics identification data includes fuselage code, MAC Address, IMEI or MEID, the hardware identification data of the various uniqueness on SIM card sequence number and terminal, pass through uniqueness algorithm, bag Contain but be not limited to Hash, single or multiple data are calculated into hardware fingerprint and preserve system, terminal is every time in request The data will all be calculated and be reported to system, system ties up each hardware characteristics data for comparing and being preserved during registration, user's selection Determine terminal, whether allow same user account on the terminal of one or more binding log in, otherwise system does not limit if setting User terminal.

9. biometric data is obtained by user terminal or system terminal as claimed in claim 5 and merchant data initiates to convert Change request, it is characterised in that redemption request is initiated to initiate comprising user terminal or the system terminal at trade company end is initiated, Yong Hu User terminal or the selection of the system terminal at trade company end are initiated to exchange after exchanging object：

1）Initiate to ask by user terminal：

User gathers the biometric feature data of user oneself by the mobile terminal of oneself, using identification user, obtains and uses The object that family can cash, user selects to exchange object, blue including but not limited to NFC by way of close range wireless communication Tooth, WIFI, RFID, or by way of scanning the bar code comprising merchant identification information, or by inputting trade company's identification coding, obtain Take the identification information of the uniqueness in the system of trade company；

2）Initiated by the system terminal at trade company end：

A：User is without using the user terminal of oneself：User carries out biological characteristic recognition in system terminal, and system terminal, which is read, to be used Family biometric feature data, user is identified, obtain the object that user can cash, user selects to exchange object, and system terminal is Unique trade company identification data in system is contained, reads user biological identification data and trade company's identification data；

B：User uses the user terminal of oneself：User exchanges object, system terminal scanning user terminal in user terminal selecting The upper bar code for including user's uniqueness identification information, or user terminal is sensed by above-mentioned short-distance wireless mode, obtain user Identification information, system finds user terminal and the user account information that the user binds by customer identification information after acquisition, with And user exchanges object, initiate user to the user and ratify a motion message, after user sees request, by bio-identification mode, User terminal reads the living things feature recognition data of user, judges whether success, and by the data and judged result of recognition System is returned to, system returns again to recognition result to system terminal.

10. being handled and being verified in end side according to the algorithm that system is arranged as claimed in claim 5, its feature exists In the algorithm of, data processing and authentication function processing for it is configurable and can online upgrading, end side and system side take algorithm The mode of negotiation determines algorithm, ensures user terminal, the software module and algorithm of system terminal and system end can synchronously with Upgrading, security intensity is lifted, further improve the security of checking.