CN108171514A - A kind of finger vein method of payment refers to vein reserving method and traction equipment - Google Patents
A kind of finger vein method of payment refers to vein reserving method and traction equipment Download PDFInfo
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- CN108171514A CN108171514A CN201711160371.6A CN201711160371A CN108171514A CN 108171514 A CN108171514 A CN 108171514A CN 201711160371 A CN201711160371 A CN 201711160371A CN 108171514 A CN108171514 A CN 108171514A
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- 210000003462 vein Anatomy 0.000 title claims abstract description 321
- 238000000034 method Methods 0.000 title claims abstract description 72
- 238000012011 method of payment Methods 0.000 title abstract 3
- 238000005516 engineering process Methods 0.000 abstract description 3
- 238000004891 communication Methods 0.000 abstract description 2
- 230000008569 process Effects 0.000 description 20
- 238000012795 verification Methods 0.000 description 6
- 230000006872 improvement Effects 0.000 description 4
- 238000004080 punching Methods 0.000 description 3
- 230000008859 change Effects 0.000 description 2
- 238000004590 computer program Methods 0.000 description 2
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- 230000006870 function Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000002093 peripheral effect Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 239000008280 blood Substances 0.000 description 1
- 210000004369 blood Anatomy 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 230000003203 everyday effect Effects 0.000 description 1
- 230000001678 irradiating effect Effects 0.000 description 1
- 235000012054 meals Nutrition 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 238000006748 scratching Methods 0.000 description 1
- 230000002393 scratching effect Effects 0.000 description 1
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The present embodiments relate to fields of communication technology, disclose a kind of finger vein method of payment, refer to vein reserving method and traction equipment.Finger vein method of payment in the present invention includes, and receives finger venous information of the user for payment；Wherein, refer to venous information and correspond to a Transaction Information；Finger venous information is stored in reservation to refer in vein model library；When detecting finger venous information, the finger venous information detected is referred into the finger venous information stored in vein model library with reservation and is matched；If successful match, the Transaction Information directly according to corresponding to referring to venous information completes transaction so that while ensure that the safety that user is traded, mode of doing business becomes more convenient.
Description
Technical Field
The embodiment of the invention relates to the technical field of communication, in particular to a finger vein payment method, a finger vein reservation method and transaction equipment.
Background
In the modern transaction process, transaction equipment is generally used during transaction, and after user information is verified, funds are transferred on an account number of a user by a server or directly through the transaction equipment to complete the transaction. For example, a point-of-sale sales management system (POS) reads magnetic stripe information of a card holder on a bank card through a card reader, the operator of the POS inputs transaction amount, the card holder inputs personal identification information (such as a password), the POS transmits the information to a card bank system through a UnionPay (bank) center, online transaction is completed, information on success or failure is given, and a corresponding bill is printed.
However, the inventors found that at least the following problems exist in the prior art: when the transaction needing password verification is carried out, the password is easy to leak, the step of inputting the password of the user makes the transaction process of the user troublesome, and various passwords need to be memorized, so the method is particularly not suitable for middle-aged and old users, and the transaction process is not convenient enough; when the transaction without inputting the password is carried out, for example, the bus card is swiped, the consumption card and the like do not need the password, but the situation of being swiped illegally occurs if the bus card is lost, and the security of the transaction cannot be guaranteed.
Disclosure of Invention
The embodiment of the invention aims to provide a finger vein payment method, a finger vein reservation method and transaction equipment, so that the transaction mode is more convenient and faster while the security of transaction of a user is ensured.
In order to solve the technical problem, an embodiment of the present invention provides a finger vein payment method applied to a transaction device, including:
receiving finger vein information used by a user for payment; wherein, the finger vein information corresponds to a transaction information;
storing the finger vein information in an appointment finger vein model library;
when finger vein information is detected, matching the detected finger vein information with finger vein information stored in an appointment finger vein model library;
and if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information.
The embodiment of the invention also provides a finger vein reservation method, which is applied to a server and comprises the following steps:
receiving reservation information, wherein the reservation information carries a user identifier and indication information for indicating target transaction equipment;
acquiring target transaction equipment according to the reservation information;
and transmitting the finger vein information corresponding to the user identification to the target transaction equipment, so that the target transaction equipment can store the finger vein information in the reserved finger vein model library.
Embodiments of the present invention also provide a transaction device, including:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the finger vein payment method described above.
Compared with the prior art, the embodiment of the invention receives the finger vein information used for payment by the user; the finger vein information corresponds to transaction information, so that a user can select to pay by using the finger vein information corresponding to the transaction information reserved by the user. The transaction equipment stores the received finger vein information in an appointment finger vein model library; when finger vein information is detected, matching the detected finger vein information with finger vein information stored in an appointment finger vein model library; if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information, the number of the users who make an appointment on the same transaction device each time is limited, so that the finger vein information of the users stored in the transaction device is limited, and when the finger vein information is detected, the detected finger vein information is matched with the limited finger vein information stored in the appointed finger vein model library; and if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information. By using the reservation payment method, when the user carries out transaction by using the finger vein information, the transaction can be directly completed through the transaction equipment without inputting a verification password to the transaction equipment for verification, and the user does not need to memorize the password, so that the condition that the transaction cannot be carried out because the user forgets the password is avoided, and the transaction of the user is more convenient. And because the number of persons making reservations each time is limited, the matching accuracy is increased during matching, and the safety of the transaction mode is improved.
In addition, the finger vein information for payment corresponds to a valid time limit; matching the detected finger vein information with finger vein information stored in an appointment finger vein model library, which specifically comprises the following steps: and matching the detected finger vein information with the finger vein information stored in the reservation finger vein model library within the valid time limit. By setting an effective time limit for finger vein information used for payment, only when the detected finger vein information is successfully matched with the finger vein information stored in the reserved finger vein model library and in the effective time limit, can the transaction be directly completed according to the transaction information corresponding to the finger vein information, the transaction process is ensured to be fast, the transaction safety is further improved, and the property safety of a user is ensured.
In addition, before storing the finger vein information in the reservation finger vein model library, the method further comprises the following steps: judging whether the quantity of finger vein information stored in the reserved finger vein model library is smaller than a first preset threshold or not; and if the number is smaller than the first preset threshold, storing the finger vein information in the reserved finger vein model library. The number of the finger vein information stored in the reserved finger vein model library is limited, so that the matching speed when the detected finger vein information is matched with the finger vein information stored in the reserved finger vein model library is improved, the number of the finger vein information stored in the reserved finger vein model library is limited, namely the number of persons who make reservations on one trading device is limited, and the safety of a user in the trading process is further improved.
In addition, before the finger vein information corresponding to the user identification is sent to the target transaction device, the method further includes: judging whether the reservation information meets the preset requirement or not; and if the reservation information meets the preset requirement, the finger vein information corresponding to the user identification is sent to the target transaction equipment. When the transaction is to be directly completed, the reservation information is required to be received, and the reservation information meets the preset requirement, so that one more layer of guarantee is added to the security of the transaction process, and the property security of the user is further guaranteed.
Drawings
One or more embodiments are illustrated by way of example in the accompanying drawings, which correspond to the figures in which like reference numerals refer to similar elements and which are not to scale unless otherwise specified.
Fig. 1 is a flowchart of a finger vein payment method according to a first embodiment of the present invention;
fig. 2 is a flowchart of a finger vein payment method according to a second embodiment of the present invention;
fig. 3 is a flowchart of a finger vein reservation method according to a third embodiment of the present invention;
fig. 4 is a flowchart of a finger vein reservation method according to a fourth embodiment of the present invention;
fig. 5 is a schematic configuration diagram of a transaction apparatus according to a fifth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, embodiments of the present invention will be described in detail below with reference to the accompanying drawings. However, it will be appreciated by those of ordinary skill in the art that numerous technical details are set forth in order to provide a better understanding of the present application in various embodiments of the present invention. However, the technical solution claimed in the present application can be implemented without these technical details and various changes and modifications based on the following embodiments.
The first embodiment of the invention relates to a finger vein payment method, and the core of the embodiment lies in that finger vein information used for payment by a user is received; wherein, the finger vein information corresponds to a transaction information; storing the finger vein information in an appointment finger vein model library; when finger vein information is detected, matching the detected finger vein information with finger vein information stored in an appointment finger vein model library; if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information, so that the transaction mode is more convenient and faster while the security of the transaction performed by the user is ensured. The implementation details of the finger vein payment method of the present embodiment are specifically described below, and the following description is only provided for the convenience of understanding, and is not necessary for implementing the present embodiment.
A flowchart of a finger vein payment method in a first embodiment of the present invention is shown in fig. 1, and specifically includes:
step 101: receiving finger vein information used by a user for payment; wherein the finger vein information corresponds to a transaction information.
Specifically, the transaction device receives finger vein information used for payment by a user, the finger vein recognition technology is a new biological feature recognition technology, identification is carried out by utilizing a vein distribution image in a finger, clear images of the finger veins can be obtained by irradiating the finger with light with specific wavelength according to blood flowing in the finger of a human body, the obtained images are analyzed and processed by utilizing the inherent scientific feature, so that the biological features of the finger veins are obtained, and the obtained finger vein feature information is compared with the finger vein features registered in advance, so that the identity of the user is confirmed. Therefore, one finger vein information can uniquely correspond to one user, and when the finger vein information is used for transaction, the finger vein information can correspond to at least one transaction information (namely the finger vein information of the user corresponds to one transaction information), wherein the transaction information can be a bank card number, a coupon number, a membership card number, a bus card number, a user mark number (user mark Token, user Session, and the like), a payment account number, a wechat account number, and the like. The variety of transaction equipment is very many, and some transaction equipment can be connected with the server, for example the POS machine that uses when utilizing credit card to carry out the transaction, and some transaction equipment can independently accomplish the transaction and need not be connected with the server, for example the machine for punching the card on the bus, when the user holds the bus card and is close to the machine for punching the card, the machine for punching the card can independently change the amount of money on the user's bus card and need not accomplish the transaction flow through the server. The trading device receives finger vein information used for payment by a user, can acquire the finger vein information used for payment by the user according to reservation information by receiving the reservation information from the server for the trading device, and the reservation information also carries trading information corresponding to the finger vein information. That is, the transaction device receives finger vein information used by the user for payment and also receives transaction information, for example, the transaction device receives the finger vein information and a bank card number at the same time.
Step 102: and storing the finger vein information in a reservation finger vein model library.
Specifically, the transaction device stores the received finger vein information used by the user for payment in the reservation finger vein model library. Since different users may trade in the same trading device every day, finger vein information used by the users for the reservation needs to be stored in the reservation finger vein model library, so that the trading device can identify whether the current finger vein information is the finger vein information of the users who have reserved and which user has reserved, and therefore the trading related to the finger vein information can be effectively carried out.
It should be noted that the finger vein information for payment corresponds to an effective time limit, that is, the finger vein information received by the transaction device is not always effectively stored in the reserved finger vein model library of the transaction device, if the storage time of the finger vein information exceeds the preset effective time limit, the finger vein information exceeding the effective time limit can be deleted, and the effective time limit can be set by the user according to the needs or can be a default time length of the transaction device. For example, the valid time limit set by the user is 3 hours, the 3 hours may be any time period set by the user, and may be 1 pm to 4 pm of a certain day, the finger vein information of the user stored in the finger vein reservation model library is validated at 1 pm to 4 pm of the day set by the user, and the finger vein information of the user stored in the finger vein model library is deleted after a preset time period elapses. Of course, the user may also modify the set valid time limit according to actual needs, that is, correspondingly shorten, lengthen or modify the start-stop time of the preset time period, or cancel the original appointment according to needs. For example, the appointment cancellation may be to modify the valid time limit to 0 on the basis that the valid time limit has been set, that is, the finger vein information previously stored in the appointment finger vein model library is invalid, so that the transaction mode is more flexible and convenient and is relatively safe.
Step 103: when the finger vein information is detected, the detected finger vein information is matched with finger vein information stored in a reserved finger vein model library.
Specifically, if the user makes a payment using the finger vein information within a reserved time period, when the transaction apparatus detects the finger vein information of the user, the detected finger vein information is matched with the finger vein information stored in the reserved finger vein model library. Because the finger vein reservation model base may store finger vein information of a plurality of users, if a user pays by using the finger vein information on a transaction device reserved in advance, the transaction device needs to confirm that the currently detected finger vein information is the finger vein information of which user specifically stored in the finger vein reservation model base, so as to draw the corresponding amount in the user account corresponding to the finger vein information.
It is worth mentioning that, since the finger vein information for payment corresponds to a valid time limit, when the user makes payment using the finger vein information, the transaction device matches the detected finger vein information with the finger vein information stored in the reserved finger vein model library within the valid time limit. That is, if the finger vein information for payment stored in the finger vein model library is outside the valid time limit, the transaction device cannot successfully complete the matching, and thus cannot complete payment only with the finger vein information. The finger vein information outside the effective time limit can be marked or deleted in an invalid manner, the invalid finger vein information is deleted in time, on one hand, the quantity stored in the reserved finger vein model library is reduced, on the other hand, the finger vein information stored in the reserved finger vein model library is also ensured to be effective, and when the finger vein information is matched, the speed and the efficiency can be improved, and meanwhile, the safety of a transaction process is improved.
Step 104: and if the matching is successful, the transaction is directly completed according to the transaction information and the transaction mode corresponding to the finger vein information.
Specifically, if the finger vein information used by the user in the transaction is the finger vein information stored in the reservation finger vein model library, the transaction can be completed directly according to the transaction information corresponding to the finger vein information of the user. For example, the corresponding transaction information in the finger vein information reserved by the user in advance is the bank card number of the user, so that when the user conducts transaction on the transaction equipment in which the finger vein information of the user is stored, the user can directly scratch the amount of money required by the transaction on the bank card number corresponding to the finger vein information by identifying the finger vein, the user does not need to carry the bank card any more, the password of the bank card does not need to be memorized, and the transaction mode is more convenient and faster. It is worth mentioning that, when the user performs the transaction, the maximum limit of the transaction may be set in advance, for example, the maximum limit set by the user is 3000 yuan, so that when the user performs the transaction by using the finger vein information bound with the bank card, if the transaction amount exceeds 3000 yuan, the user is required to provide other verification methods, such as inputting a password, to further ensure the security that the user directly adopts the finger vein information during the transaction.
In practical application, when a user carries out transaction by using finger vein information, the first transaction can be free within a certain amount of money without the need of scratching the amount of money within a certain account of the user. Or when the finger vein information is used for transaction, more users can be attracted to pay by using the finger vein information through the modes of sending points, discounting offers and the like.
Compared with the prior art, the method and the device have the advantages that the finger vein information used for payment by the user is received; the finger vein information corresponds to transaction information, so that a user can select to pay by using the finger vein information corresponding to the transaction information of the user. The transaction equipment stores the received finger vein information in an appointment finger vein model library; when finger vein information is detected, matching the detected finger vein information with finger vein information stored in an appointment finger vein model library; if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information, the number of the users who make an appointment on the same transaction device each time is limited, so that the finger vein information of the users stored in the transaction device is limited, and when the finger vein information is detected, the detected finger vein information is matched with the limited finger vein information stored in the appointed finger vein model library; and if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information. By using the reservation payment method, when the user carries out transaction by using the finger vein information, the transaction can be directly completed through the transaction equipment without inputting a verification password to the transaction equipment for verification, and the user does not need to memorize the password, so that the condition that the transaction cannot be carried out because the user forgets the password is avoided, and the transaction of the user is more convenient. And because the number of persons making reservations each time is limited, the matching accuracy is increased during matching, and the safety of the transaction mode is improved. By setting an effective time limit for finger vein information used for payment, only when the detected finger vein information is successfully matched with the finger vein information stored in the reserved finger vein model library and in the effective time limit, can the transaction be directly completed according to the transaction information corresponding to the finger vein information, the transaction process is ensured to be fast, the transaction safety is further improved, and the property safety of a user is ensured.
The second embodiment of the invention relates to a finger vein payment method. The second embodiment is a further improvement of the first embodiment, and the main improvements are as follows: in the second embodiment of the present invention, before storing the finger vein information in the reserved finger vein model library, the method further includes: judging whether the quantity of finger vein information stored in the reserved finger vein model library is smaller than a first preset threshold or not; and if the number is smaller than the first preset threshold, storing the finger vein information in the reserved finger vein model library. A flowchart of a finger vein payment method according to a second embodiment of the present invention is shown in fig. 2, and specifically includes:
step 201: receiving finger vein information used by a user for payment; wherein the finger vein information corresponds to a transaction information.
Step 201 is substantially the same as step 101 in the first embodiment, and is not described herein again to avoid repetition.
Step 202: judging whether the quantity of finger vein information stored in the reserved finger vein model library is smaller than a first preset threshold, if so, executing a step 203; if not, the process ends.
Specifically, after receiving the finger vein information of the user for subscription payment, the transaction device needs to determine the number of the finger vein information of the user currently stored in the subscription finger vein model base, that is, determine whether the number of the finger vein information stored in the subscription finger vein model base is smaller than a first preset threshold, where the first preset threshold may be set by a person skilled in the art according to actual needs. For example, if the first preset threshold is set to 100, the maximum number of finger vein information stored in the finger vein model library reserved in the transaction device is 100. If it is detected that the number of the finger vein information stored in the reservation finger vein model library has not reached 100 when the finger vein information used for payment by the user is received, step 203 may be executed to store the finger vein information in the reservation finger vein model library; if the number of the finger vein information stored in the reservation finger vein model base is detected to reach 100 when the finger vein information used for payment by the user is received, the finger vein information stored in the reservation finger vein model base in the transaction equipment reaches the upper limit, and therefore the current finger vein information cannot be stored in the reservation finger vein model.
Step 203: and storing the finger vein information in a reservation finger vein model library.
Step 204: and when the finger vein information is detected, matching the detected finger vein information with the finger vein information stored in the reserved finger vein model library.
Step 205: and if the matching is successful, the transaction is directly completed according to the transaction information corresponding to the finger vein information.
Steps 203 to 205 in this embodiment are substantially the same as steps 102 to 104 in the first embodiment of the present invention, and are not repeated herein.
Compared with the prior art, the method and the device have the advantages that the number of the finger vein information stored in the reserved finger vein model library is limited, so that the matching speed when the detected finger vein information is matched with the finger vein information stored in the reserved finger vein model library is improved, the number of the finger vein information stored in the reserved finger vein model library is limited, namely the number of persons who make reservations on one trading device is limited, and the safety of users in the trading process is further improved.
A third embodiment of the present invention relates to a finger vein reservation method applied to a server, and the core of the present embodiment is: receiving reservation information, wherein the reservation information carries a user identifier and indication information for indicating target transaction equipment; acquiring target transaction equipment according to the reservation information; and transmitting the finger vein information corresponding to the user identification to the target transaction equipment, so that the target transaction equipment can store the finger vein information in the reserved finger vein model library. The user can make an appointment by using the finger vein information, and the transaction mode becomes more convenient and faster while the security of transaction of the user is ensured. The following describes implementation details of the finger vein reservation method of the present embodiment in detail, and the following is only provided for easy understanding and is not necessary for implementing the present embodiment.
A flowchart of a finger vein reservation method according to a third embodiment of the present invention is shown in fig. 3, and specifically includes:
step 301: and receiving reservation information, wherein the reservation information carries a user identifier and indication information for indicating the target transaction equipment.
Specifically, the server receives reservation information sent by a user through an intelligent device such as a mobile phone and a tablet computer, and the reservation information may carry a user identifier and indication information for indicating a target transaction device. The user identification can be a telephone number uniquely corresponding to the user identity, an exclusive ID account number registered on a certain website by the user and the like, the target transaction device can be a transaction device for the user to prepare reservation, the indication information can be reservation place or bus route information, and the target transaction device can be a transaction device in a corresponding reservation place or a transaction device on a bus in a corresponding bus route.
Step 302: and searching the finger vein information corresponding to the user identification according to the user identification in the reservation information.
For example, a user can make a reservation even in the process of surfing the internet, and an ID account (the ID account binds the identity information of the user) of the user on a certain website is sent to the server, and the server can find the identity information of the user corresponding to the ID account according to the exclusive ID account sent by the user, and the identity information of the user contains the finger vein information of the user. The premise that the user can search is that the user binds the finger vein information of the user with the identity information in advance, and the server can search the finger vein information of the user through the ID account. If the finger vein information of the user is not bound with identity information at first, the user can also directly provide the finger vein information of the user to the server, because the finger vein information is used for payment, the finger vein information can correspond to transaction information used for payment by the user, and the transaction information can be a bank card number, a coupon number, a membership card number, a bus card number, a user mark number (a user mark Token, a user Session, and the like), a payment treasure account number, a WeChat account number, and the like.
Step 303: and acquiring the target transaction equipment according to the reservation information.
Specifically, the target transaction device may be obtained according to indication information carried in the reservation information, where the indication information may be a reservation location, and then the transaction device within a preset range may be obtained according to the reservation location, and the transaction device within the preset range may be used as the target transaction device, where the preset range may be set by a user as needed. For example, if the reservation location is a mall a, the server may use all the transaction devices in the mall a as transaction devices (target transaction devices) within a preset range, and certainly, if the user only goes to the mall for meal, the server may use all the transaction devices in the restaurant in the mall a as transaction devices within the preset range. When the user pays on the target transaction device, the finger vein is directly identified, and the corresponding amount can be directly scratched on the bank card number bound with the finger vein, so that the transaction is completed, and the method is very convenient, rapid and relatively safe. It is worth mentioning that the target transaction device can be one or a plurality of target transaction devices, and the user can change the setting of the preset range at any time according to the requirement so as to obtain different target transaction devices, so as to meet the current requirement and provide convenience for the user in the actual life.
If the indication information is bus route information, the transaction equipment related to the bus route information can be obtained according to the bus route information, the transaction equipment related to the bus route information is used as target transaction equipment, and the bus route information can also be subway route information. For example, the user prepares to go to the supermarket B, and it is conceivable that there may be a plurality of routes to the supermarket B, that is, there are a plurality of buses that can be selected to reach the supermarket B, the user can send the address of the supermarket B to the server, the server automatically plans a travel route according to the address of the user and the address of the supermarket B, and transaction equipment on the bus or the subway station appearing in the route is used as target transaction equipment. The user can also determine the line by himself, the bus or the subway station appearing in the line is directly sent to the server, the transaction equipment on the bus or the subway station selected by the user is used as the target transaction equipment by the server, so that when the user takes the bus with the target transaction equipment, the finger vein can be directly identified, the bus card does not need to be carried, and the operation is more convenient and rapid.
It should be noted that step 302 and step 303 have no obvious precedence relationship, and in practical application, both steps may be performed simultaneously.
Step 304: and transmitting the finger vein information corresponding to the user identification to the target transaction equipment, so that the target transaction equipment can store the finger vein information in the reserved finger vein model library.
Specifically, finger vein information corresponding to the user identification searched according to the user identification in the reservation information is sent to the target transaction equipment, and the finger vein information used for reservation by the user is stored in the reservation finger vein model library by the target transaction equipment, so that the user can directly utilize the finger vein information to conduct transaction when conducting transaction on the target transaction equipment, more convenience is provided for the user, and the transaction mode is more convenient and faster.
Compared with the prior art, the method and the system receive the reservation information through the server, wherein the reservation information carries the user identification and the indication information used for indicating the target transaction equipment; acquiring target transaction equipment according to the reservation information; the finger vein information corresponding to the user identification is sent to the target transaction equipment, the target transaction equipment stores the finger vein information in the reservation finger vein model base, the server can obtain the finger vein information and the target transaction equipment used for reservation by the user according to the received reservation information, the reserved finger vein information is sent to the corresponding target transaction equipment, the user can directly complete transaction on the target transaction equipment by directly utilizing the transaction information corresponding to the finger vein information, and the number of users making reservations on each transaction equipment is limited, so that the transaction process is more convenient and faster while the security of the user when the user makes a transaction by utilizing the finger vein information is guaranteed.
A fourth embodiment of the present invention relates to a finger vein reservation method. The fourth embodiment is a further improvement of the third embodiment, and the main improvements are as follows: in a fourth embodiment of the present invention, before sending finger vein information corresponding to a user identifier to a target transaction device, the method further includes: judging whether the reservation information meets the preset requirement or not; and if the reservation information meets the preset requirement, the finger vein information corresponding to the user identification is sent to the target transaction equipment. When the transaction is to be directly completed, the reservation information is required to be received, and the reservation information meets the preset requirement, so that one more layer of guarantee is added to the security of the transaction process, and the property security of the user is further guaranteed.
A flowchart of a finger vein reservation method according to a fourth embodiment of the present invention is shown in fig. 4, and specifically includes:
step 401: and receiving reservation information, wherein the reservation information carries a user identifier and indication information for indicating the target transaction equipment.
Step 402: and searching the finger vein information corresponding to the user identification according to the user identification in the reservation information.
Step 403: and acquiring the target transaction equipment according to the reservation information.
Steps 401 to 403 are substantially the same as steps 301 to 303 in the third embodiment of the present invention, and are not repeated herein.
Step 404: and judging whether the reservation information meets the preset requirement, if so, executing the step 405, and if not, ending the process.
Specifically, the preset requirement may be a credit level of the user, and the credit level may be set by a person skilled in the art according to actual needs. For example, the reservation information may carry a credit degree of the user, the server may find the credit degree of the user corresponding to the user identifier according to the user identifier in the reservation information, and if the credit degree of the user is too low, the preset requirement is not met, and the transaction cannot be directly completed. Although the reservation information is subjectively determined by the user, objective standards are needed to measure the credit degree of the user, so that the safety of the transaction process is further guaranteed, and meanwhile, the establishment of higher credit degree is facilitated for the user, and the credit degree of the user is also required to be standard for completing the transaction conveniently and quickly. The preset requirement may also be a maximum transaction amount, which may be set by a person skilled in the art according to actual needs. For example, the reservation information may carry a transaction amount that is too high, i.e., exceeds the maximum transaction amount, in which case there is still a risk if the transaction amount is direct transaction, and therefore, if the transaction amount exceeds the default maximum transaction amount of the server, the reservation information does not meet the preset requirement. If the reservation information meets the preset requirement, executing step 405 to send finger vein information corresponding to the user identifier to the target transaction device; and if the reservation information does not meet the preset requirement, the process is ended.
It should be noted that step 404 may also be executed directly after step 401, if the reservation information does not satisfy the preset requirement, step 402 and step 403 may not be executed, and the process is directly ended, and if the reservation information satisfies the preset requirement, step 402, step 403, and step 405 are executed again.
Step 405: and transmitting the finger vein information corresponding to the user identification to the target transaction equipment, so that the target transaction equipment can store the finger vein information in the reserved finger vein model library.
Step 405 is substantially the same as step 304 in the third embodiment of the present invention, and therefore, is not described herein again to avoid repetition.
Compared with the prior art, the embodiment of the invention judges whether the reservation information meets the preset requirement or not; if the reservation information meets the preset requirement, the finger vein information corresponding to the user identification is sent to the target transaction equipment, that is, the reservation information is required to be received and the reservation information meets the preset requirement when the transaction is to be completed directly, so that the security of the transaction process is ensured by one more layer, and the property security of the user is further ensured.
The steps of the above methods are divided for clarity, and the implementation may be combined into one step or split some steps, and the steps are divided into multiple steps, so long as the same logical relationship is included, which are all within the protection scope of the present patent; it is within the scope of the patent to add insignificant modifications to the algorithms or processes or to introduce insignificant design changes to the core design without changing the algorithms or processes.
A fifth embodiment of the present invention relates to a transaction apparatus, as shown in fig. 5, including: at least one processor 501; and a memory 502 communicatively coupled to the at least one processor 501; the memory 502 stores instructions executable by the at least one processor 501, and the instructions are executable by the at least one processor 501 to enable the at least one processor 501 to perform the finger vein payment method described above.
The memory 502 and the processor 501 are coupled by a bus, which may include any number of interconnected buses and bridges that couple one or more of the various circuits of the processor 501 and the memory 502 together. The bus may also connect various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface provides an interface between the bus and the transceiver. The transceiver may be one element or a plurality of elements, such as a plurality of receivers and transmitters, providing a means for communicating with various other apparatus over a transmission medium. The data processed by the processor 501 is transmitted over a wireless medium through an antenna, which further receives the data and transmits the data to the processor 501.
The processor 501 is responsible for managing the bus and general processing and may also provide various functions including timing, peripheral interfaces, voltage regulation, power management, and other control functions. And memory 502 may be used to store data used by processor 501 in performing operations.
A sixth embodiment of the present invention relates to a computer-readable storage medium storing a computer program. The computer program realizes the above-described method embodiments when executed by a processor.
That is, as can be understood by those skilled in the art, all or part of the steps in the method for implementing the embodiments described above may be implemented by a program instructing related hardware, where the program is stored in a storage medium and includes several instructions to enable a device (which may be a single chip, a chip, or the like) or a processor (processor) to execute all or part of the steps of the method described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
It will be understood by those of ordinary skill in the art that the foregoing embodiments are specific examples for carrying out the invention, and that various changes in form and details may be made therein without departing from the spirit and scope of the invention in practice.
Claims (10)
1. A finger vein payment method is applied to transaction equipment and is characterized by comprising the following steps:
receiving finger vein information used by a user for payment; wherein, the finger vein information corresponds to transaction information;
storing the finger vein information in a reserved finger vein model library;
when finger vein information is detected, matching the detected finger vein information with finger vein information stored in the reservation finger vein model library;
and if the matching is successful, directly completing the transaction according to the transaction information corresponding to the finger vein information.
2. The finger vein payment method according to claim 1, wherein the finger vein information for payment corresponds to a valid time limit;
the matching of the detected finger vein information and the finger vein information stored in the reservation finger vein model library specifically comprises the following steps:
and matching the detected finger vein information with the finger vein information stored in the reservation finger vein model library within the valid time limit.
3. The finger vein payment method according to claim 2, further comprising, after storing the finger vein information in a reserved finger vein model library:
and deleting the finger vein information outside the effective time limit.
4. The finger vein payment method of claim 1, further comprising, before the storing the finger vein information in a reserved finger vein model library:
judging whether the quantity of finger vein information stored in the finger vein reservation model base is smaller than a first preset threshold or not;
and if the number is smaller than the first preset threshold, storing the finger vein information in a reserved finger vein model library.
5. A finger vein reservation method is applied to a server and is characterized by comprising the following steps:
receiving reservation information, wherein the reservation information carries a user identifier and indication information for indicating target transaction equipment;
acquiring target transaction equipment according to the reservation information;
and sending the finger vein information corresponding to the user identification to the target transaction equipment, so that the target transaction equipment can store the finger vein information in a reserved finger vein model library.
6. The finger vein reservation method according to claim 5, wherein the instruction information is a reservation location;
the acquiring of the target transaction device according to the reservation information specifically includes:
acquiring transaction equipment within a preset range according to the reserved place;
and taking the obtained transaction device as the target transaction device.
7. The finger vein reservation method according to claim 5, wherein the indication information is bus route information;
the acquiring of the target transaction device according to the reservation information specifically includes:
acquiring transaction equipment related to the bus route information according to the bus route information;
and taking the obtained transaction device as the target transaction device.
8. The finger vein reservation method of claim 5, further comprising, after the receiving reservation information:
and searching the finger vein information corresponding to the user identification according to the user identification in the reservation information.
9. The finger vein reservation method according to claim 5, further comprising, before the sending finger vein information corresponding to the user identifier to the target transaction device:
judging whether the reservation information meets a preset requirement or not;
and if the reservation information meets the preset requirement, the finger vein information corresponding to the user identification is sent to the target transaction equipment.
10. A transaction device, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the finger vein payment method of any one of claims 1 to 4.
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| CN201711160371.6A CN108171514A (en) | 2017-11-20 | 2017-11-20 | A kind of finger vein method of payment refers to vein reserving method and traction equipment |
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| CN201711160371.6A CN108171514A (en) | 2017-11-20 | 2017-11-20 | A kind of finger vein method of payment refers to vein reserving method and traction equipment |
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| CN201711160371.6A Pending CN108171514A (en) | 2017-11-20 | 2017-11-20 | A kind of finger vein method of payment refers to vein reserving method and traction equipment |
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Application publication date: 20180615 |