CN108053218A - A kind of safe method of mobile payment - Google Patents

A kind of safe method of mobile payment Download PDF

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CN108053218A
CN108053218A CN201711468123.8A CN201711468123A CN108053218A CN 108053218 A CN108053218 A CN 108053218A CN 201711468123 A CN201711468123 A CN 201711468123A CN 108053218 A CN108053218 A CN 108053218A
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msub
msubsup
munderover
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郑紫微
秦闯
季克宇
张鸣
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Ningbo University
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Ningbo University
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/316—User authentication by observing the pattern of computer usage, e.g. typical user behaviour
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification techniques
    • G10L17/06—Decision making techniques; Pattern matching strategies
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification techniques
    • G10L17/22—Interactive procedures; Man-machine interfaces
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/14—Vascular patterns

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Abstract

The present invention relates to a kind of safe method of mobile payment, are used to implement the secure payment of mobile terminal, establish the facial characteristics parameter database of validated user, obtain the face recognition parameter for current Lawful user；Voice data average amplitude value and voice data power consumption value tag when going out sound using user's hair obtain the audio identification match parameter for current Lawful user；Gradient parameter when pre-setting payment, the legitimate digital payment cipher using the sine value at the pre-set angle of inclination as mobile terminal；By, to the face-image of operator and the audio identification of collection in worksite, unauthorized person being avoided to place hope on the authentication attempted only by the face-image by validated user through mobile terminal in section of default verification time；Finger touch payment pressure data storehouse corresponding during the validated user input payment cipher of mobile terminal is built, obtains the finger touch payment fluctuation factor of validated user, it is ensured that mobile payment security.

Description

A kind of safe method of mobile payment
Technical field
The present invention relates to mobile payment field more particularly to a kind of safe method of mobile payment.
Background technology
With the gradual popularization of the mobile terminals such as smart mobile phone, tablet computer, the shifting realized based on these mobile terminals Dynamic payment is slowly liked be subject to people.People by carry mobile terminal can be not required cash payment in the case of it is complete Into the delivery operations such as shopping and booking, very convenient, this is but also people enter the new era of mobile payment.
However, security risk is also faced with to facility, existing method of mobile payment caused by people in face of mobile payment： Since existing mobile payment only needs operator to accurately input payment secret using mobile terminal, as to whether to be somebody's turn to do The real validated user input of mobile terminal can not but be identified；Once user loses the mobile terminal of oneself, inevitably illegal Person carries out delivery operation using the payment cipher that back door obtains to the mobile terminal being lost, so as to cause the movement whole Hold the property loss of real validated user.
The content of the invention
The technical problems to be solved by the invention are provided for the above-mentioned prior art at a kind of mobile terminal traffic monitoring Reason method.
Technical solution is used by the present invention solves above-mentioned technical problem：A kind of safe method of mobile payment, is used for Realize the secure payment of mobile terminal, which is characterized in that include the following steps 1 to step 13：
Step 1, default acquisition time section and default frequency acquisition are set, by mobile terminal in the default acquisition time section The interior face-image that its validated user is gathered according to the default frequency acquisition obtains several face figures of current Lawful user Picture, and by mobile terminal the infrared of station acquisition its validated user face is gathered according to default in the default acquisition time section Temperature data obtains the facial infrared temperature database of validated user；
Wherein, the default acquisition time segment mark is denoted as T, and the default frequency acquisition is labeled as f, the face-image number According to storehouse labeled as JPG, the face-image total number in the face image data storehouse JPG is M, the face image data storehouse I-th of face-image in JPG is labeled as JPGi；The facial infrared temperature database flags of the validated user are Facial infrared temperature data total number in Infrared, facial infrared temperature database Infrared is similarly M, and face is infrared I-th of facial infrared temperature data markers in the Infrared of temperature data storehouse are infraredi；1≤i≤M；
Step 2, the mobile terminal extracts according to the face image data storehouse of foundation, obtains institute in each width face-image The facial characteristics parameter sets of current Lawful user are stated, build the facial characteristics parameter database of current Lawful user, and are calculated Obtain the face recognition match parameter of current Lawful user；
Wherein, in the M width face-image for active user, the facial characteristics parameter sets include currently Facial gross area value, eyebrow distance values, ears distance values, mouth area value and simple eye area value in the breadth portion figure； Mark face-image JPGiIn facial gross area value beEyebrow distance values areEars distance values areMouth Portion's area value isSimple eye area value is
The face recognition match parameter for marking current Lawful user is σFace：
Step 3, the mobile terminal gathers its validated user in default acquisition time section according to default frequency acquisition Voice data, obtains the multistage voice data of current Lawful user and validated user corresponds to the power consumption number of each section audio, and The audio database for current Lawful user is established in mobile terminal；
Wherein, the audio database is labeled as Voice, and total hop count of audio is N in the audio database Voice, Jth section audio in the audio database Voice is labeled as Voicej, the voice data VoicejAverage amplitude value mark It is denoted asThe voice data VoicejPower consumption number be1≤j≤N；
Step 4, the audio identification of current Lawful user is calculated according to the audio database of foundation in the mobile terminal Match parameter；Wherein, the audio identification match parameter for marking the current Lawful user is σVoice：
Step 5, gradient parameter during payment is pre-set in mobile terminal, and with the pre-set gradient Legitimate digital payment cipher of the corresponding sine value as the mobile terminal；Wherein, the pre-set inclination is marked Angle is θ0, the tilt angle theta0Corresponding sine value is sin θ0；
Step 6, the mobile terminal stores the face recognition match parameter of the validated user, the audio of validated user is known Other match parameter and the legitimate digital payment cipher, mobile terminal are detecting operating personnel's startup payment program progress During payment, the mobile terminal sends authentication and requires interface to current operator, and only in the current operator Legal identity be verified after, payment interface is presented to the current operator in mobile terminal, and otherwise, the mobile payment is whole Hold the positive closing payment program；Wherein, having on the authentication requirement interface requires current operator to shoot face figure The section of default verification time of picture and acquisition voice data；
Step 7, in the default verification time section, the mobile terminal judgement receives the face of current operator's shooting Portion's image and after collecting the voice data of current operator, mobile terminal goes to the authentication rank for current operator Section, is transferred to step 8；Otherwise, in the default verification time section, the mobile terminal does not receive current operator's shooting Face-image or the voice data for not collecting current operator, the mobile terminal positive closing payment program；
Wherein, set the mobile terminal and receive the face-image total number of current operator's shooting as M', mobile end R-th of face-image for terminating the current operator's shooting received is labeled as JPGr'；1≤r≤M'；
Set the mobile terminal collect current operator audio block book as N', in the N' section audios K section audios are labeled as Voice'k, the audio Voice'kAverage amplitude value be labeled asThe audio Voice'k's Power consumption number is1≤j≤N；
Step 8, mobile terminal is obtained its validated user in default payment custom acquisition time section and is touched using finger Mobile terminal screen builds its validated user and inputs payment cipher by touch-control come payment touch-control pressure when inputting payment cipher When corresponding finger touch payment pressure data storehouse, and obtain the finger touch payment fluctuation factor of the validated user；
Wherein, the finger touch corresponding to the validated user is marked to pay pressure data storehouse and is labeled as Suser_Finger, hand Refer to touch-control payment pressure data storehouse Suser_FingerInterior payment touch-control pressure data number is G, and finger touch pays pressure data Storehouse Suser_FingerG-th interior of payment touch-control pressure data is labeled as1≤g≤G；
Wherein, the finger touch of the validated user is marked to pay the fluctuation factor as χuser_Finger：
Step 9, for mobile terminal according to the facial infrared temperature database of its constructed validated user, it is described legal to obtain The facial infrared temperature index of oscillation of user；
Mobile terminal obtains the eye frame vein image of its validated user, establishes the legal use according to default collection period The eye frame vein image database at family, and obtain the eye frame vein pattern parameter of the validated user；Wherein, it is described legal to mark The facial infrared temperature index of oscillation of user is ξInfrared：
Wherein, infrarediFor i-th of facial infrared temperature number of degrees in the facial infrared temperature database Infrared According to；
The eye frame vein image database flags of the validated user are JPGUser_EyeBox, the eye frame of the validated user is quiet Arteries and veins characteristic parameter is labeled as ψUser_EyeBox；The eye frame vein image database JPGUser_EyeBoxInterior corresponding image number is Y；The eye frame vein image database JPGUser_EyeBoxY-th interior frame vein image is labeled as jpgUser_EyeBox,y, eye Frame vein image jpgUser_EyeBox,yLength value be labeled as LjpgUser_EyeBox,y, eye frame vein image jpgUser_EyeBox,yWidth Angle value is labeled as WjpgUser_EyeBox,y；
Step 10, mobile terminal structure current operator touches mobile terminal screen come when inputting payment cipher using finger Payment touch-control pressure data storehouse, obtain the facial infrared temperature database of current operator's face and eye frame vein image number According to storehouse, it is corresponding be calculated the finger touch payment fluctuation factor for current operator, the facial infrared temperature index of oscillation with And eye frame vein pattern parameter；
Mobile terminal judges the finger touch payment fluctuation factor of current operator and the validated user, facial infrared temperature When spending the equal correspondent equal of the index of oscillation, eye frame vein pattern parameter, step 11 is transferred to；Otherwise, mobile terminal positive closing branch Pay program；
Step 11, the mobile terminal extracts to obtain the face recognition match parameter of current operator respectively and audio is known Other match parameter；Wherein, the face recognition match parameter of the current operator is labeled as σ 'Face, the current operator's Audio identification match parameter is labeled as σ 'Voice：
Wherein, the face-image JPG of current operator is markedr' in facial gross area value beEyebrow distance values areEars distance values areMouth area value isSimple eye area value is
Wherein, the kth section audio of the current operator is labeled as Voice'k, the audio Voice'kMean amplitude of tide Value is labeled asThe audio Voice'kPower consumption number be1≤k≤N'；
Step 12, the mobile terminal is by the face recognition match parameter of the validated user of storage and audio identification Respectively correspondingly matching is done with parameter with the face recognition match parameter of the current operator and audio identification match parameter to sentence It is disconnected, to judge the legal identity of current operator：
As the face recognition match parameter σ of the validated userFaceGinseng is matched with the face recognition of the current operator Number σ 'FaceIt is equal, and the audio identification match parameter σ of the validated userVoiceWith the audio identification of the current operator With parameter σ 'VoiceWhen equal, the mobile terminal judges current operator for its validated user, and is transferred to step 13；Otherwise, institute State the current payment program of mobile terminal positive closing；
Step 13, the mobile terminal detects its current angle of inclination, and judges current tilt angle with movement eventually When holding pre-set angle of inclination equal, the mobile terminal automatically by pre-set angle of inclination corresponding to sine value As payment cipher, to be safely completed delivery operation.
Compared with prior art, the advantage of the invention is that：
First, the facial characteristics parameter database of the invention by establishing validated user, obtains for current Lawful user Face recognition parameter, by extract the facial gross area value in user's face image, eyebrow distance values, ears distance values, The biological characteristic parameters such as mouth area value and simple eye area value are realized and user's legal identity are tested based on multi-biological feature Card identification, improves the recognition effect for user's legal identity；
Secondly, the mobile terminal in the present invention is sent out by establishing for current Lawful audio user database using user Voice data average amplitude value and voice data power consumption value tag during gone out sound obtain the audio for current Lawful user It identifies match parameter, so as to the identification feature parameter as identification user identity, it is legal to realize that guarantee mobile terminal only receives its User carries out the safety of delivery operation, avoids the payment risk of illegal user's operation mobile terminal；In addition, by pre-setting Gradient parameter during payment is paid close using the sine value at the pre-set angle of inclination as the legitimate digital of mobile terminal Code more can guarantee that the payment action for operating the mobile terminal is sent by the real validated user of mobile terminal, so as to pay Crucial moment ensure the safety of payment of user；
Again, by knowing in section of default verification time to the face-image of operator and the audio of collection in worksite Not, placed hope on to avoid unauthorized person and go to attempt the body by mobile terminal only by the face-image by validated user Part verification so as to better assure that the delivery operation of mobile terminal only receives the manipulation of its validated user, improves mobile branch The security paid；
Finally, corresponding finger touch pays pressure when inputting payment cipher by building the validated user of mobile terminal Database obtains the finger touch payment fluctuation factor of validated user, so as to the certain amount gathered by means of mobile terminal Finger touch payment pressure distinguish the identity situation of current input payment cipher, it is ensured that mobile payment security.
Description of the drawings
Fig. 1 is the flow diagram of method of mobile payment safe in inventive embodiments.
Specific embodiment
The present invention is described in further detail below in conjunction with attached drawing embodiment.
As shown in Figure 1, method of mobile payment safe in the present embodiment, is used to implement the secure payment of mobile terminal, it should Method of mobile payment includes the following steps 1 to step 13：
Step 1, default acquisition time section and default frequency acquisition are set, by mobile terminal in the default acquisition of setting Between the face-image of its validated user is gathered in section according to default frequency acquisition, so as to obtain several faces of current Lawful user Image, and preset by mobile terminal at this in acquisition time section according to the infrared of default its validated user of acquisition station acquisition face Temperature data obtains the facial infrared temperature database of validated user；For example, can use for default acquisition position herein The main positions such as mouth, cheek or the forehead of family face；
Wherein, preset acquisition time segment mark and be denoted as T, preset frequency acquisition labeled as f, the face-image of current Lawful user Database flags are JPG, and the face-image total number in the JPG of face image data storehouse is M, in the JPG of face image data storehouse I-th of face-image is labeled as JPGi；
For the default acquisition position set in advance, the facial infrared temperature database flags of validated user are Facial infrared temperature data total number in Infrared, facial infrared temperature database Infrared is similarly M, and face is infrared I-th of facial infrared temperature data markers in the Infrared of temperature data storehouse are infraredi；1≤i≤M；
Step 2, mobile terminal extracts according to the face image data storehouse of foundation, obtains currently closing in each width face-image The facial characteristics parameter sets of method user, build the facial characteristics parameter database of current Lawful user, and are calculated current The face recognition match parameter of validated user；
Specifically, in the M width face-images for active user, facial characteristics parameter sets include the current breadth Facial gross area value, eyebrow distance values, ears distance values, mouth area value and simple eye area value in portion's figure；Index face Portion image JPGiIn facial gross area value beEyebrow distance values areEars distance values areMouth area It is worth and isSimple eye area value is
The face recognition match parameter of current Lawful user is labeled as σFace, face recognition match parameter σFaceCalculating it is public Formula is as follows：
The present invention carries out the characteristic parameter of identity differentiation using face as different user, by extracting in user's face image The biological characteristics such as facial gross area value, eyebrow distance values, ears distance values, mouth area value and simple eye area value ginseng Number is realized and the verification of user's legal identity is identified based on multi-biological feature, improves the identification for user's legal identity Effect only can carry out delivery operation, so as to ensure that use with the operator by multiple-authentication using the mobile terminal Safety when family operation mobile terminal is paid；
Step 3, mobile terminal gathers the audio of its validated user in default acquisition time section according to default frequency acquisition Data, obtain the multistage voice data of current Lawful user and validated user corresponds to the power consumption number of each section audio, and in movement The audio database for current Lawful user is established in terminal；
Wherein, audio database is labeled as Voice, and total hop count of audio is N in audio database Voice, voice data Jth section audio in the Voice of storehouse is labeled as Voicej, voice data VoicejAverage amplitude value be labeled asAudio number According to VoicejPower consumption number be1≤j≤N；
Step 4, the audio identification matching of current Lawful user is calculated according to the audio database of foundation in mobile terminal Parameter；Wherein, the audio identification match parameter for marking current Lawful user is σVoice：
Mobile terminal in the present invention is by establishing the voice data of gathered user for current Lawful audio user Database, with using user hair go out sound when voice data average amplitude value and voice data power consumption value tag be directed to The audio identification match parameter of current Lawful user so as to the identification feature parameter as identification user identity, is further realized Ensure that mobile terminal only receives the safety that its validated user carries out delivery operation, avoid illegal user's operation mobile terminal Payment risk；
Step 5, gradient parameter during payment is pre-set in mobile terminal, and it is right with pre-set gradient institute Legitimate digital payment cipher of the sine value answered as mobile terminal；Wherein, in this embodiment, pre-set angle of inclination Labeled as θ0, the tilt angle theta0Corresponding sine value is sin θ0；
Since each operator using the mobile terminal of oneself when carrying out delivery operation, based on operator oneself People is accustomed to, and operator usually can be accustomed to mobile terminal showing certain posture to pay, and it is special to be also based on this Point, the gradient parameter when present invention is by pre-setting payment, with the pre-set tilt angle theta0Sine value sin θ0 As the legitimate digital payment cipher of mobile terminal, it more can guarantee that the payment action for operating the mobile terminal is by mobile terminal Real validated user is sent, so as to ensure the safety of payment of user at the crucial moment of payment；
Step 6, the face recognition match parameter of mobile terminal storage validated user, the audio identification of validated user matching ginseng Number and legitimate digital payment cipher, mobile terminal are mobile when having detected that operating personnel's startup payment program is paid Terminal sends authentication and requires interface to current operator, and is only verified in the legal identity of current operator Afterwards, payment interface is presented to the current operator in mobile terminal；Otherwise, Mobile payment terminal positive closing payment program；
Wherein, having on authentication requirement interface requires current operator to shoot face-image and acquisition audio number According to the default verification time section；That is, mobile terminal requirement current operator presets confession in verification time section at this at this time The mobile terminal is taken the face-image of operator and is made a sound by the current operator, to verify that mobile terminal is gathered The user of face-image is the personnel with vital sign rather than photo；This way it is possible to avoid unauthorized person is placed hope on only It only goes to attempt the authentication by mobile terminal by the face-image by validated user, so as to better assure that movement The delivery operation of terminal only receives the manipulation of its validated user, improves the security of mobile payment；
Step 7, the default verification time section in, mobile terminal judgement receive current operator shooting face-image and After the voice data for collecting current operator, show that mobile terminal takes the user corresponding to the face-image of operator as tool There are the personnel of vital sign, mobile terminal goes to the authenticating phase for current operator at this time, is transferred to step 8；Otherwise, In section of default verification time, mobile terminal does not receive the face-image of current operator's shooting or does not collect current operation The voice data of person shows that mobile terminal takes the user corresponding to the face-image of operator not have vital sign, mobile The terminal positive closing payment program；
Wherein, set mobile terminal receive current operator shooting face-image total number as M', mobile terminal connects R-th of face-image of the current operator's shooting received is labeled as JPGr'；1≤r≤M'；
Set mobile terminal collect current operator audio block book as N', in this of gathered current operator Kth section audio in N' section audios is labeled as Voice'k, audio Voice'kAverage amplitude value be labeled asAudio Voice'kPower consumption number be1≤j≤N；
Step 8, mobile terminal is obtained its validated user in default payment custom acquisition time section and is touched using finger Mobile terminal screen builds its validated user and inputs payment cipher by touch-control come payment touch-control pressure when inputting payment cipher When corresponding finger touch payment pressure data storehouse, and obtain the finger touch payment fluctuation factor of validated user；
Wherein, the finger touch payment pressure data storehouse corresponding to validated user is labeled as Suser_Finger, finger touch branch Pay pressure data storehouse Suser_FingerInterior payment touch-control pressure data number is G, and finger touch pays pressure data storehouse Suser_FingerG-th interior of payment touch-control pressure data is labeled as1≤g≤G；
Wherein, the finger touch payment fluctuation factor marker of validated user is χuser_Finger：
Since when using mobile terminal screen input payment cipher, different user is applied to mobile terminal screen using finger Payment touch-control pressure on curtain is different, then, just by building the legal of mobile terminal in the step 8 of the present embodiment User's finger touch corresponding when inputting payment cipher pays pressure data storehouse and obtains the finger touch of validated user The payment fluctuation factor, a certain number of finger touch payment pressure so as to be gathered by means of mobile terminal are worked as to distinguish The identity situation of preceding input payment cipher；
In addition, even the validated user of the mobile terminal is only because the payment cipher for being not intended to touch mobile terminal is defeated When entering interface, the finger touch payment for the validated user that the present invention can also be as obtained by fluctuates the factor to judge to belong at this time In validated user maloperation, so as to be unlikely to cause the economic loss of validated user；
Step 9, mobile terminal obtains validated user according to the facial infrared temperature database of its constructed validated user The facial infrared temperature index of oscillation；Mobile terminal obtains the eye frame vein image of its validated user according to default collection period, The eye frame vein image database of validated user is established, and obtains the eye frame vein pattern parameter of validated user；Wherein, legal use The facial infrared temperature index of oscillation at family is labeled as ξInfrared：
Wherein, infrarediFor i-th of facial infrared temperature data in facial infrared temperature database Infrared； The eye frame vein image database flags of validated user are JPGUser_EyeBox, the eye frame vein pattern parameter tags of validated user are ψUser_EyeBox；Eye frame vein image database JPGUser_EyeBoxInterior corresponding image number is Y；
Eye frame vein image database JPGUser_EyeBoxY-th interior frame vein image is labeled as jpgUser_EyeBox,y, Eye frame vein image jpgUser_EyeBox,yLength value be labeled as LjpgUser_EyeBox,y, eye frame vein image jpgUser_EyeBox,y's Width value is labeled as WjpgUser_EyeBox,y；1≤y≤Y；
Step 10, mobile terminal structure current operator touches mobile terminal screen come when inputting payment cipher using finger Payment touch-control pressure data storehouse, obtain the facial infrared temperature database of current operator's face and eye frame vein image number According to storehouse, it is corresponding be calculated the finger touch payment fluctuation factor for current operator, the facial infrared temperature index of oscillation with And eye frame vein pattern parameter；
Wherein, for the finger touch payment fluctuation factor, the facial infrared temperature index of oscillation and the eye of current operator The calculating process of frame vein pattern parameter is identical with the correspondence parameter calculation procedure for validated user, it is thus only necessary to will accordingly close The parameter of method user replaces with the correspondence parameter of current operator；
Mobile terminal judges the finger touch payment fluctuation factor of current operator and validated user, facial infrared temperature ripple During the equal correspondent equal of dynamic index, eye frame vein pattern parameter, step 11 is transferred to；Otherwise, showing the identity of current operation, there are non- Method suspicion, it is possible to which there are payment risk, the payment programs of mobile terminal positive closing at this time；
Step 11, mobile terminal extracts to obtain the face recognition match parameter of current operator and audio identification respectively With parameter；Wherein, the face recognition match parameter of current operator is labeled as σ 'Face, the audio identification matching of current operator Parameter tags are σ 'Voice：
Wherein, the face-image JPG of current operatorr' in facial gross area value be labeled asEyebrow distance values areEars distance values areMouth area value isSimple eye area value is
Wherein, the kth section audio of current operator is labeled as Voice'k, current operator's audio Voice'kBe averaged and shake Amplitude is labeled asAudio Voice'kPower consumption number be1≤k≤N'；
Step 12, mobile terminal divides the face recognition match parameter of the validated user of storage and audio identification match parameter Matching judgment accordingly is not done with the face recognition match parameter of current operator and audio identification match parameter, it is current to judge The legal identity of operator：
As the face recognition match parameter σ of validated userFaceWith the face recognition match parameter σ ' of current operatorFacePhase Deng, and the audio identification match parameter σ of validated userVoiceWith the audio identification match parameter σ ' of current operatorVoiceIt is equal When, mobile terminal judges current operator for its validated user, and the identity security of operator is credible at this time, and is transferred to step 13； Otherwise, mobile terminal judges that current operator is not its validated user, and there are payment risk, mobile terminal positive closing is current Payment program, to ensure the fund security of its validated user；
Step 13, mobile terminal detects its current angle of inclination, and judges that current tilt angle is pre- with mobile terminal When the angle of inclination first set is equal, illustrate that its validated user of mobile terminal has input correct payment cipher, mobile terminal Automatically using the sine value corresponding to pre-set angle of inclination as payment cipher, to be safely completed delivery operation.
Although the preferred embodiment of the present invention described in detail above, it is to be clearly understood that for this field Technical staff for, the invention may be variously modified and varied.That is made within the spirit and principles of the invention appoints What modification, equivalent substitution, improvement etc., should all be included in the protection scope of the present invention.

Claims (1)

1. a kind of safe method of mobile payment is used to implement the secure payment of mobile terminal, which is characterized in that including walking as follows Rapid 1 to step 13：
Step 1, default acquisition time section and default frequency acquisition are set, pressed by mobile terminal in the default acquisition time section The face-image of its validated user is gathered according to the default frequency acquisition, obtains several face-images of current Lawful user, and By mobile terminal in the default acquisition time section according to it is default acquisition station acquisition its validated user face infrared temperature Data obtain the facial infrared temperature database of validated user；
Wherein, the default acquisition time segment mark is denoted as T, and the default frequency acquisition is labeled as f, the face image data storehouse Labeled as JPG, face-image total number in the face image data storehouse JPG is M, in the face image data storehouse JPG I-th of face-image be labeled as JPGi；The facial infrared temperature database flags of the validated user are Infrared, facial Facial infrared temperature data total number in infrared temperature database Infrared is similarly M, facial infrared temperature database I-th of facial infrared temperature data markers in Infrared are infraredi；1≤i≤M；
Step 2, the mobile terminal is according to the face image data storehouse of foundation, extract, obtain described in each width face-image when The facial characteristics parameter sets of preceding validated user, build the facial characteristics parameter database of current Lawful user, and are calculated The face recognition match parameter of current Lawful user；
Wherein, in the M width face-image for active user, the facial characteristics parameter sets include the current width Facial gross area value, eyebrow distance values, ears distance values, mouth area value and simple eye area value in facial figure；Mark Face-image JPGiIn facial gross area value beEyebrow distance values areEars distance values areMouth face Product value isSimple eye area value is
The face recognition match parameter for marking current Lawful user is σFace：
<mrow> <msub> <mi>&amp;sigma;</mi> <mrow> <mi>F</mi> <mi>a</mi> <mi>c</mi> <mi>e</mi> </mrow> </msub> <mo>=</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <mo>|</mo> <msubsup> <mi>D</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mn>2</mn> </msubsup> <mo>-</mo> <msubsup> <mi>W</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mn>2</mn> </msubsup> <mo>|</mo> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <mo>|</mo> <mfrac> <msubsup> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mo>&amp;prime;</mo> </msubsup> <msub> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> </msub> </mfrac> <mo>|</mo> <mo>+</mo> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <mo>|</mo> <mfrac> <msubsup> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mrow> <mo>&amp;prime;</mo> <mo>&amp;prime;</mo> </mrow> </msubsup> <msub> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> </msub> </mfrac> <mo>|</mo> </mrow> </mfrac> <mo>&amp;CenterDot;</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <msqrt> <mrow> <mo>(</mo> <mo>(</mo> <msub> <mi>D</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>W</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> </msub> <mo>)</mo> <mo>-</mo> <mfrac> <mn>1</mn> <mi>M</mi> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <mo>(</mo> <msub> <mi>D</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>W</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> </msub> <mo>)</mo> <mo>)</mo> </mrow> </msqrt> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <msqrt> <mrow> <mo>(</mo> <mo>(</mo> <msubsup> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mo>&amp;prime;</mo> </msubsup> <mo>&amp;CenterDot;</mo> <msubsup> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mrow> <mo>&amp;prime;</mo> <mo>&amp;prime;</mo> </mrow> </msubsup> <mo>)</mo> <mo>-</mo> <mfrac> <mn>1</mn> <mi>M</mi> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>M</mi> </munderover> <mo>(</mo> <msubsup> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mo>&amp;prime;</mo> </msubsup> <mo>&amp;CenterDot;</mo> <msubsup> <mi>S</mi> <mrow> <msub> <mi>JPG</mi> <mi>i</mi> </msub> </mrow> <mrow> <mo>&amp;prime;</mo> <mo>&amp;prime;</mo> </mrow> </msubsup> <mo>)</mo> <mo>)</mo> </mrow> </msqrt> </mrow> </mfrac> <mo>;</mo> </mrow>
Step 3, the mobile terminal gathers the audio of its validated user in default acquisition time section according to default frequency acquisition Data, obtain the multistage voice data of current Lawful user and validated user corresponds to the power consumption number of each section audio, and in movement The audio database for current Lawful user is established in terminal；
Wherein, the audio database is labeled as Voice, and total hop count of audio is N in the audio database Voice, described Jth section audio in audio database Voice is labeled as Voicej, the voice data VoicejAverage amplitude value be labeled asThe voice data VoicejPower consumption number be1≤j≤N；
Step 4, the audio identification matching of current Lawful user is calculated according to the audio database of foundation in the mobile terminal Parameter；Wherein, the audio identification match parameter for marking the current Lawful user is σVoice：
<mrow> <msub> <mi>&amp;sigma;</mi> <mrow> <mi>V</mi> <mi>o</mi> <mi>i</mi> <mi>c</mi> <mi>e</mi> </mrow> </msub> <mo>=</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>j</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>N</mi> </munderover> <mo>|</mo> <msub> <mi>A</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <mo>+</mo> <msub> <mi>E</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <mo>|</mo> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>j</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>N</mi> </munderover> <mo>|</mo> <mfrac> <msub> <mi>A</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <msub> <mi>E</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> </mfrac> <mo>|</mo> <mo>+</mo> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>j</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>N</mi> </munderover> <mo>|</mo> <mfrac> <msub> <mi>E</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <msub> <mi>A</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> </mfrac> <mo>|</mo> </mrow> </mfrac> <mo>&amp;CenterDot;</mo> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>j</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>N</mi> </munderover> <msqrt> <mrow> <mo>(</mo> <mo>(</mo> <msub> <mi>A</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>E</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <mo>)</mo> <mo>-</mo> <mfrac> <mn>1</mn> <mi>N</mi> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>j</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>N</mi> </munderover> <mo>(</mo> <msub> <mi>A</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>E</mi> <mrow> <msub> <mi>Voice</mi> <mi>j</mi> </msub> </mrow> </msub> <mo>)</mo> <mo>)</mo> </mrow> </msqrt> <mo>;</mo> </mrow>
Step 5, gradient parameter during payment is pre-set in mobile terminal, and it is right with the pre-set gradient institute Legitimate digital payment cipher of the sine value answered as the mobile terminal；Wherein, the pre-set angle of inclination is marked For θ0, the tilt angle theta0Corresponding sine value is sin θ0；
Step 6, the mobile terminal stores face recognition match parameter, the audio identification of validated user of the validated user With parameter and the legitimate digital payment cipher, mobile terminal is detecting that operating personnel's startup payment program is paid When, the mobile terminal sends authentication and requires interface to current operator, and only in the conjunction of the current operator Method authentication is by rear, and payment interface is presented to the current operator in mobile terminal, and otherwise, the Mobile payment terminal is strong System closes the payment program；Wherein, have on authentication requirement interface require current operator shoot face-image with And the section of default verification time of acquisition voice data；
Step 7, in the default verification time section, the mobile terminal judgement receives the face figure of current operator's shooting As and after collecting the voice data of current operator, mobile terminal goes to the authenticating phase for current operator, turns Enter step 8；Otherwise, in the default verification time section, the mobile terminal does not receive the face of current operator's shooting Image or the voice data for not collecting current operator, the mobile terminal positive closing payment program；
Wherein, set the mobile terminal receive current operator shooting face-image total number as M', mobile terminal connects R-th of face-image of the current operator's shooting received is labeled as JPG 'r；1≤r≤M'；
Set the mobile terminal collect current operator audio block book as N', the kth section in the N' section audios Audio indicia is Voice'k, the audio Voice'kAverage amplitude value be labeled asThe audio Voice'kPower consumption It is worth and is1≤j≤N；
Step 8, mobile terminal obtains its validated user in default payment custom acquisition time section and touches movement using finger Terminal screen builds its validated user and passes through touch-control and input payment cipher when institute come payment touch-control pressure when inputting payment cipher Corresponding finger touch payment pressure data storehouse, and obtain the finger touch payment fluctuation factor of the validated user；
Wherein, the finger touch corresponding to the validated user is marked to pay pressure data storehouse and is labeled as Suser_Finger, finger touches Control payment pressure data storehouse Suser_FingerInterior payment touch-control pressure data number is G, and finger touch pays pressure data storehouse Suser_FingerG-th interior of payment touch-control pressure data is labeled as1≤g≤G；
Wherein, the finger touch of the validated user is marked to pay the fluctuation factor as χuser_Finger：
<mrow> <msub> <mi>&amp;chi;</mi> <mrow> <mi>u</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>F</mi> <mi>i</mi> <mi>n</mi> <mi>g</mi> <mi>e</mi> <mi>r</mi> </mrow> </msub> <mo>=</mo> <msqrt> <mrow> <mfrac> <mn>1</mn> <mi>G</mi> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>g</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>G</mi> </munderover> <msup> <mrow> <mo>(</mo> <msubsup> <mi>Pre</mi> <mrow> <mi>u</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>F</mi> <mi>i</mi> <mi>n</mi> <mi>g</mi> <mi>e</mi> <mi>r</mi> </mrow> <mi>g</mi> </msubsup> <mo>-</mo> <mover> <mrow> <msub> <mi>Pre</mi> <mrow> <mi>u</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>F</mi> <mi>i</mi> <mi>n</mi> <mi>g</mi> <mi>e</mi> <mi>r</mi> </mrow> </msub> </mrow> <mo>&amp;OverBar;</mo> </mover> <mo>)</mo> </mrow> <mn>2</mn> </msup> </mrow> </msqrt> <mo>;</mo> </mrow>
<mrow> <mover> <mrow> <msub> <mi>Pre</mi> <mrow> <mi>u</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>F</mi> <mi>i</mi> <mi>n</mi> <mi>g</mi> <mi>e</mi> <mi>r</mi> </mrow> </msub> </mrow> <mo>&amp;OverBar;</mo> </mover> <mo>=</mo> <mfrac> <mn>1</mn> <mi>G</mi> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>g</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>G</mi> </munderover> <msubsup> <mi>Pre</mi> <mrow> <mi>u</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>F</mi> <mi>i</mi> <mi>n</mi> <mi>g</mi> <mi>e</mi> <mi>r</mi> </mrow> <mi>g</mi> </msubsup> <mo>;</mo> </mrow>
Step 9, mobile terminal obtains the validated user according to the facial infrared temperature database of its constructed validated user The facial infrared temperature index of oscillation；
Mobile terminal obtains the eye frame vein image of its validated user, establishes the validated user according to default collection period Eye frame vein image database, and obtain the eye frame vein pattern parameter of the validated user；Wherein, the validated user is marked The facial infrared temperature index of oscillation be ξInfrared：
<mrow> <msub> <mi>&amp;xi;</mi> <mrow> <mi>I</mi> <mi>n</mi> <mi>f</mi> <mi>r</mi> <mi>a</mi> <mi>r</mi> <mi>e</mi> <mi>d</mi> </mrow> </msub> <mo>=</mo> <mfrac> <mn>1</mn> <mrow> <mi>M</mi> <mo>-</mo> <mn>1</mn> </mrow> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mrow> <mi>M</mi> <mo>-</mo> <mn>1</mn> </mrow> </munderover> <msup> <mrow> <mo>(</mo> <mfrac> <mrow> <msub> <mi>infrared</mi> <mi>i</mi> </msub> <mo>-</mo> <mover> <mrow> <mi>inf</mi> <mi>r</mi> <mi>a</mi> <mi>r</mi> <mi>e</mi> <mi>d</mi> </mrow> <mo>&amp;OverBar;</mo> </mover> </mrow> <mrow> <msub> <mi>infrared</mi> <mrow> <mi>i</mi> <mo>+</mo> <mn>1</mn> </mrow> </msub> <mo>-</mo> <msub> <mi>infrared</mi> <mi>i</mi> </msub> </mrow> </mfrac> <mo>)</mo> </mrow> <mn>2</mn> </msup> <mo>;</mo> <mover> <mrow> <mi>inf</mi> <mi>r</mi> <mi>a</mi> <mi>r</mi> <mi>e</mi> <mi>d</mi> </mrow> <mo>&amp;OverBar;</mo> </mover> <mo>=</mo> <mfrac> <mn>1</mn> <mrow> <mi>M</mi> <mo>-</mo> <mn>1</mn> </mrow> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>i</mi> <mo>=</mo> <mn>1</mn> </mrow> <mrow> <mi>M</mi> <mo>-</mo> <mn>1</mn> </mrow> </munderover> <msub> <mi>infrared</mi> <mi>i</mi> </msub> <mo>;</mo> </mrow>
Wherein, infrarediFor i-th of facial infrared temperature data in the facial infrared temperature database Infrared；
The eye frame vein image database flags of the validated user are JPGUser_EyeBox, the eye frame vein spy of the validated user Sign parameter tags are ψUser_EyeBox；The eye frame vein image database JPGUser_EyeBoxInterior corresponding image number is Y；Institute State a frame vein image database JPGUser_EyeBoxY-th interior frame vein image is labeled as jpgUser_EyeBox,y, eye frame is quiet Arteries and veins image jpgUser_EyeBox,yLength value be labeled as LjpgUser_EyeBox,y, eye frame vein image jpgUser_EyeBox,yWidth value Labeled as WjpgUser_EyeBox,y；
<mrow> <msub> <mi>&amp;psi;</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> </mrow> </msub> <mo>=</mo> <mfrac> <mn>1</mn> <mn>2</mn> </mfrac> <mo>&amp;lsqb;</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>y</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>Y</mi> </munderover> <mrow> <mo>(</mo> <msub> <mi>L</mi> <mrow> <msub> <mi>jpg</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> <mo>,</mo> <mi>y</mi> </mrow> </msub> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>W</mi> <mrow> <msub> <mi>jpg</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> <mo>,</mo> <mi>y</mi> </mrow> </msub> </mrow> </msub> <mo>)</mo> </mrow> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>y</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>Y</mi> </munderover> <msub> <mi>L</mi> <mrow> <msub> <mi>jpg</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> <mo>,</mo> <mi>y</mi> </mrow> </msub> </mrow> </msub> </mrow> </mfrac> <mo>+</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>y</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>Y</mi> </munderover> <mrow> <mo>(</mo> <msub> <mi>L</mi> <mrow> <msub> <mi>jpg</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> <mo>,</mo> <mi>y</mi> </mrow> </msub> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>W</mi> <mrow> <msub> <mi>jpg</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> <mo>,</mo> <mi>y</mi> </mrow> </msub> </mrow> </msub> <mo>)</mo> </mrow> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>y</mi> <mo>=</mo> <mn>1</mn> </mrow> <mi>Y</mi> </munderover> <msub> <mi>W</mi> <mrow> <msub> <mi>jpg</mi> <mrow> <mi>U</mi> <mi>s</mi> <mi>e</mi> <mi>r</mi> <mo>_</mo> <mi>E</mi> <mi>y</mi> <mi>e</mi> <mi>B</mi> <mi>o</mi> <mi>x</mi> <mo>,</mo> <mi>y</mi> </mrow> </msub> </mrow> </msub> </mrow> </mfrac> <mo>&amp;rsqb;</mo> <mo>;</mo> </mrow>
Step 10, mobile terminal structure current operator touches mobile terminal screen come branch when inputting payment cipher using finger It pays touch-control pressure data storehouse, obtain the facial infrared temperature database of current operator's face and eye frame vein image data Storehouse, it is corresponding be calculated the finger touch payment fluctuation factor for current operator, the facial infrared temperature index of oscillation and Eye frame vein pattern parameter；
Mobile terminal judges the finger touch payment fluctuation factor of current operator and the validated user, facial infrared temperature ripple During the equal correspondent equal of dynamic index, eye frame vein pattern parameter, step 11 is transferred to；Otherwise, mobile terminal positive closing payment journey Sequence；
Step 11, the mobile terminal extracts to obtain the face recognition match parameter of current operator and audio identification respectively With parameter；Wherein, the face recognition match parameter of the current operator is labeled as σ 'Face, the audio of the current operator Identify that match parameter is labeled as σ 'Voice：
<mrow> <msubsup> <mi>&amp;sigma;</mi> <mrow> <mi>F</mi> <mi>a</mi> <mi>c</mi> <mi>e</mi> </mrow> <mo>&amp;prime;</mo> </msubsup> <mo>=</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>|</mo> <msubsup> <mi>D</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mn>2</mn> </msubsup> <mo>-</mo> <msubsup> <mi>W</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mn>2</mn> </msubsup> <mo>|</mo> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>|</mo> <mfrac> <msubsup> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mo>&amp;prime;</mo> </msubsup> <msub> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> </mfrac> <mo>|</mo> <mo>+</mo> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>|</mo> <mfrac> <msubsup> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mrow> <mo>&amp;prime;</mo> <mo>&amp;prime;</mo> </mrow> </msubsup> <msub> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> </mfrac> <mo>|</mo> </mrow> </mfrac> <mo>&amp;CenterDot;</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <msqrt> <mrow> <mo>(</mo> <mo>(</mo> <msub> <mi>D</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>W</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>)</mo> <mo>-</mo> <mfrac> <mn>1</mn> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>(</mo> <msub> <mi>D</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>W</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>)</mo> <mo>)</mo> </mrow> </msqrt> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <msqrt> <mrow> <mo>(</mo> <mo>(</mo> <msubsup> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mo>&amp;prime;</mo> </msubsup> <mo>&amp;CenterDot;</mo> <msubsup> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mrow> <mo>&amp;prime;</mo> <mo>&amp;prime;</mo> </mrow> </msubsup> <mo>)</mo> <mo>-</mo> <mfrac> <mn>1</mn> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>r</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>M</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>(</mo> <msubsup> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mo>&amp;prime;</mo> </msubsup> <mo>&amp;CenterDot;</mo> <msubsup> <mi>s</mi> <mrow> <msubsup> <mi>JPG</mi> <mi>r</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> <mrow> <mo>&amp;prime;</mo> <mo>&amp;prime;</mo> </mrow> </msubsup> <mo>)</mo> <mo>)</mo> </mrow> </msqrt> </mrow> </mfrac> <mo>;</mo> </mrow>
Wherein, the face-image JPG ' of current operator is markedrIn facial gross area value beEyebrow distance values are Ears distance values areMouth area value isSimple eye area value is
<mrow> <msubsup> <mi>&amp;sigma;</mi> <mrow> <mi>V</mi> <mi>o</mi> <mi>i</mi> <mi>c</mi> <mi>e</mi> </mrow> <mo>&amp;prime;</mo> </msubsup> <mo>=</mo> <mfrac> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>k</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>N</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>|</mo> <msub> <mi>A</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>+</mo> <msub> <mi>E</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>|</mo> </mrow> <mrow> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>k</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>N</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>|</mo> <mfrac> <msub> <mi>A</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <msub> <mi>E</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> </mfrac> <mo>|</mo> <mo>+</mo> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>k</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>N</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>|</mo> <mfrac> <msub> <mi>E</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <msub> <mi>A</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> </mfrac> <mo>|</mo> </mrow> </mfrac> <mo>&amp;CenterDot;</mo> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>k</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>N</mi> <mo>&amp;prime;</mo> </msup> </munderover> <msqrt> <mrow> <mo>(</mo> <mo>(</mo> <msub> <mi>A</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>E</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>)</mo> <mo>-</mo> <mfrac> <mn>1</mn> <msup> <mi>N</mi> <mo>&amp;prime;</mo> </msup> </mfrac> <munderover> <mo>&amp;Sigma;</mo> <mrow> <mi>k</mi> <mo>=</mo> <mn>1</mn> </mrow> <msup> <mi>N</mi> <mo>&amp;prime;</mo> </msup> </munderover> <mo>(</mo> <msub> <mi>A</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>&amp;CenterDot;</mo> <msub> <mi>E</mi> <mrow> <msubsup> <mi>Voice</mi> <mi>k</mi> <mo>&amp;prime;</mo> </msubsup> </mrow> </msub> <mo>)</mo> <mo>)</mo> </mrow> </msqrt> <mo>;</mo> </mrow>
Wherein, the kth section audio of the current operator is labeled as Voice'k, the audio Voice'kAverage amplitude value mark It is denoted asThe audio Voice'kPower consumption number be1≤k≤N'；
Step 12, the mobile terminal joins the face recognition match parameter of the validated user of storage and audio identification matching Number respectively correspondingly does matching judgment with the face recognition match parameter of the current operator and audio identification match parameter, with Judge the legal identity of current operator：
As the face recognition match parameter σ of the validated userFaceWith the face recognition match parameter of the current operator σ'FaceIt is equal, and the audio identification match parameter σ of the validated userVoiceIt is matched with the audio identification of the current operator Parameter σ 'VoiceWhen equal, the mobile terminal judges current operator for its validated user, and is transferred to step 13；Otherwise, it is described The current payment program of mobile terminal positive closing；
Step 13, the mobile terminal detects its current angle of inclination, and judges that current tilt angle is pre- with mobile terminal When the angle of inclination first set is equal, the mobile terminal automatically using the sine value corresponding to pre-set angle of inclination as Payment cipher, to be safely completed delivery operation.
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