CN109064177A - Financial transaction system and method based on living things feature recognition - Google Patents
Financial transaction system and method based on living things feature recognition Download PDFInfo
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- CN109064177A CN109064177A CN201810603493.6A CN201810603493A CN109064177A CN 109064177 A CN109064177 A CN 109064177A CN 201810603493 A CN201810603493 A CN 201810603493A CN 109064177 A CN109064177 A CN 109064177A
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- biometric
- living things
- feature recognition
- server
- things feature
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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
Abstract
The invention discloses a kind of financial transaction system and method based on living things feature recognition, comprising: biological characteristic input device；Biometric devices；Server, server is connected with biological characteristic input device and biometric devices respectively, the raw biometric of server reception biological characteristic input device typing, and raw biometric is matched with the bank information of user, server receives dealer's biological characteristic of biometric devices identification and is compared with the raw biometric of typing, to support transaction to carry out in raw biometric and dealer's biometric matches.Financial transaction system according to the present invention based on living things feature recognition couples all bank cards by the biological information of typing user, and biometric vein feature is verified in simple operations when use.
Description
Technical field
The present invention relates to intelligent identification technology fields, specifically, in particular to a kind of gold based on living things feature recognition
Melt transaction system and method.
Background technique
The core of mobile payment is quick, safety, is brought conveniently to people's lives, the field being related to is more and more wider
It is general, it is inseparable with people's lives.But mobile payment needs to rely on mobile terminal progress, once mobile terminal, for example,
Mobile phone in the case where not putting, due to not being available mobile terminal, then cannot be completed to pay.
Summary of the invention
The present invention is directed to solve one of above-mentioned technical problem in the prior art at least to a certain extent.In view of this,
An aspect of of the present present invention provides a kind of financial transaction system based on living things feature recognition, can use reading-card type with effective solution
It swipes the card and mobile phone card-brushing, user's operation inconvenience needs the problems such as relying on external device, transaction made to become more simply to be easy.
Further, an aspect of of the present present invention provides a kind of financial trade method based on living things feature recognition.
The financial transaction system based on living things feature recognition of embodiment according to the present invention, comprising: biological characteristic typing
Device, the biological characteristic input device are used to extract the raw biometric information of user；Biometric devices, it is described
Biometric devices dealer's biological information for identification；Server, the server are recorded with biological characteristic respectively
Enter device to be connected with the biometric devices, the server receives the original of the biological characteristic input device typing
Biological characteristic, and the raw biometric is matched with the bank information of the user, the server receives biology
Dealer's biological characteristic of specific identification device identification is simultaneously compared with the raw biometric of typing, in original
Transaction is supported to carry out when eozoon feature and dealer's biometric matches.
The financial transaction system based on living things feature recognition of embodiment according to the present invention, passes through the biology of typing user
Characteristic information, couples all bank cards, and biometric vein feature is verified in simple operations when use.The cumbersome behaviour to swipe the card is subtracted
Make, also solves the problems, such as that mobile phone card-brushing is inconvenient to the dependence of mobile phone and elderly population mobile phone operation.
In addition, the financial transaction system according to the above embodiment of the present invention based on living things feature recognition can also have as
Under additional technical characteristic:
According to one embodiment of present invention, the biological characteristic input device is human vein identification device, the life
Object specific identification device is human vein identification device.
According to one embodiment of present invention, the human vein identification device is the vein knowledge for including infrared sensor
Other device.
According to one embodiment of present invention, the financial transaction system based on living things feature recognition further comprises that identity is tested
Card device, the authentication means are connected to the server, and pass through the side compared with the information in the server
Formula confirms the identity of the user.
According to one embodiment of present invention, the authentication means are Fingerprint Identification Unit.
According to one embodiment of present invention, the authentication means are card verifying device.
According to one embodiment of present invention, the financial transaction system based on living things feature recognition further comprises that user is defeated
Enter device, the user input apparatus is connected to the server to transmit password set by user into server.
Financial trade method according to the present invention based on living things feature recognition, comprising the following steps: raw biometric
Vein typing: user when applying for card, simultaneously upload onto the server by the raw biometric information of the user described in bank's typing；Biology
Feature identification: when user needs to pay, transaction biological information is verified in traction equipment, and by dealer's biological characteristic
Information is sent to server；The judgement of biological characteristic: server is to the dealer's biological characteristic received and primitive organism
Feature is compared, to support transaction to carry out in raw biometric and dealer's biometric matches.
The financial trade method based on living things feature recognition of embodiment according to the present invention, passes through the biology of typing user
Characteristic information, couples all bank cards, and biometric vein feature is verified in simple operations when use.The cumbersome behaviour to swipe the card is subtracted
Make, also solves the problems, such as that mobile phone card-brushing is inconvenient to the dependence of mobile phone and elderly population mobile phone operation.
In addition, the financial trade method according to the above embodiment of the present invention based on living things feature recognition can also have as
Under additional technical characteristic:
According to one embodiment of present invention, it further includes steps of additional encryption: being filled by setting additional encryption
It sets and carries out encryption setting.
According to one embodiment of present invention, the encryption device is used for the input numerical ciphers after carrying out biometric authentication.
Additional aspect and advantage of the invention will be set forth in part in the description, and will partially become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Fig. 1 is the structural representation of the financial transaction system according to an embodiment of the invention based on living things feature recognition
Figure.
Fig. 2 is the flow chart of the financial trade method according to an embodiment of the invention based on living things feature recognition.
Specific embodiment
The embodiment of the present invention is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end
Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached
The embodiment of figure description is exemplary, it is intended to is used to explain the present invention, and is not considered as limiting the invention.
In the description of the present invention, it is to be understood that, term " center ", " longitudinal direction ", " transverse direction ", " length ", " width ",
" thickness ", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom" "inner", "outside", " up time
The orientation or positional relationship of the instructions such as needle ", " counterclockwise " is to be based on the orientation or positional relationship shown in the drawings, and is merely for convenience of
The description present invention and simplified description, rather than the device or element of indication or suggestion meaning must have a particular orientation, with spy
Fixed orientation construction and operation, therefore be not considered as limiting the invention.
In addition, term " first ", " second " are used for descriptive purposes only and cannot be understood as indicating or suggesting relative importance
Or implicitly indicate the quantity of indicated technical characteristic.Define " first " as a result, the feature of " second " can be expressed or
Implicitly include one or more of the features.In the description of the present invention, the meaning of " plurality " is two or more,
Unless otherwise specifically defined.
In the present invention unless specifically defined or limited otherwise, term " installation ", " connected ", " connection ", " fixation " etc.
Term shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or integral；It can be mechanical connect
It connects, is also possible to be electrically connected；It can be directly connected, can also can be in two elements indirectly connected through an intermediary
The interaction relationship of the connection in portion or two elements.It for the ordinary skill in the art, can be according to specific feelings
Condition understands the concrete meaning of above-mentioned term in the present invention.
In the present invention unless specifically defined or limited otherwise, fisrt feature second feature "upper" or "lower"
It may include that the first and second features directly contact, also may include that the first and second features are not direct contacts but pass through it
Between other characterisation contact.Moreover, fisrt feature includes the first spy above the second feature " above ", " above " and " above "
Sign is right above second feature and oblique upper, or is merely representative of first feature horizontal height higher than second feature.Fisrt feature exists
Second feature " under ", " lower section " and " following " include that fisrt feature is directly below and diagonally below the second feature, or is merely representative of
First feature horizontal height is less than second feature.
As shown in Figure 1, the financial transaction system 100 based on living things feature recognition of embodiment according to the present invention, comprising:
Biological characteristic input device, biometric devices and server.
Specifically, biological characteristic input device 10 can be used for extracting the raw biometric information of user, such as can
To extract the original venous information of user.The dealer's biological information for identification of biometric devices 20, in other words
It says, biometric devices 20 are the identity informations for confirming dealer.Server 30 can respectively with biological characteristic
Input device 10 is connected with biometric devices 20, and server 30 receives the original life of 10 typing of biological characteristic input device
Object feature, and raw biometric is matched with the bank information of user, server 30 can receive living things feature recognition
Dealer's biological characteristic of the identification of device 20 is simultaneously compared with the raw biometric of typing, in raw biometric
Transaction is supported to carry out with when dealer's biometric matches.
The financial transaction system 100 based on living things feature recognition of embodiment according to the present invention, passes through typing user's
Biological information, couples all bank cards, and biometric vein feature is verified in simple operations when use.Subtracted swipe the card it is numerous
Trivial operation also solves the problems, such as that mobile phone card-brushing is inconvenient to the dependence of mobile phone and elderly population mobile phone operation.
It is understood that the financial transaction system 100 based on living things feature recognition of embodiment according to the present invention,
Even if, by bio-identification, can also complete safely to pay, and the usage amount of helping credit card is substantially in the case where mobile phone is out of power
It is promoted.The core of mobile payment is exactly quick, safety, and also has drawback, needs to complete by mobile devices such as mobile phones, if hand
Machine is without electricity, then not also being available.And human body itself can complete the termination of some project, then could preferably complete whole
The final closed loop of a payment scene, and speed is more convenient compared with modes such as barcode scanning payments.Meanwhile because Unionpay opens
The behavior of port is put, as long as the bank card information of binding all has, then the card in which specifically used bank is traded,
There is selection.Even if in the case where mobile phone is out of power, by the biological means of payment, all card images can all be shown, can be autonomous
Carry out card selection transaction.Biological payment system, it is more extensive with scene, it is more convenient, it is more powerful, it is safer.Each
A possibility that sign of people is all different, is falsely used, and brush transaction consumption is stolen is reduced to zero.
Preferably, system selects biological characteristic as identification object: system has abandoned traditional reading-card type identification and mobile phone
Payment does not need not only to carry bank card or mobile phone, and operation is more convenient, accelerates cash register speed, and reduce use
The material and manpower cost of serving of peripheral equipment.
Preferably, system supports all living things feature recognitions, such as: refer to vein, vena metacarpea etc..
According to one embodiment of present invention, biological characteristic input device 10 can be human vein identification device, biology
Specific identification device 20 can be human vein identification device.For example, biological characteristic input device 10 can be finger vein typing
Device or vena metacarpea input device.
In order to improve accuracy of identification, according to one embodiment of present invention, human vein identification device 20 can be to include
There is the vein identification device of infrared sensor.
The financial transaction system 100 for being preferably based on living things feature recognition may further include authentication means, body
Part verifying device is connected to the server, and the body of user is confirmed by way of comparing with the information in server 30
Part.It is understood that authentication means are Fingerprint Identification Unit, authentication means may be card verifying device.
For multi-enciphering, the financial transaction system 100 based on living things feature recognition may further include user's input
Device, user input apparatus are connected to transmit password set by user into server with server.
As shown in Fig. 2, the financial trade method based on living things feature recognition of embodiment according to the present invention, including it is following
Step:
S100: raw biometric vein typing: for user when applying for card, the primitive organism of the user described in bank's typing is special
Reference is ceased and is uploaded onto the server.
S200: living things feature recognition: when user needs to pay, transaction biological information is verified in traction equipment, and will
Dealer's biological information is sent to server.
S300: the judgement of biological characteristic: server is to the dealer's biological characteristic and raw biometric received
It is compared, to support transaction to carry out in raw biometric and dealer's biometric matches.
The financial trade method based on living things feature recognition of embodiment according to the present invention, passes through the biology of typing user
Characteristic information, couples all bank cards, and biometric vein feature is verified in simple operations when use.The cumbersome behaviour to swipe the card is subtracted
Make, also solves the problems, such as that mobile phone card-brushing is inconvenient to the dependence of mobile phone and elderly population mobile phone operation.
The financial trade method for being preferably based on living things feature recognition may further include following steps: additional encryption:
Encryption setting is carried out by the way that additional encryption device is arranged.Thus, it is possible to improve the safety of system really.Preferably, encryption dress
It sets for the input numerical ciphers after carrying out biometric authentication.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example
Point is included at least one embodiment or example of the invention.In the present specification, schematic expression of the above terms are not
It must be directed to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be in office
What can be combined in any suitable manner in one or more embodiment or examples.In addition, those skilled in the art can say this
Different embodiments or examples described in bright book are engaged and are combined.
Although the embodiments of the present invention has been shown and described above, it is to be understood that above-described embodiment is example
Property, it is not considered as limiting the invention, those skilled in the art within the scope of the invention can be to above-mentioned
Embodiment is changed, modifies, replacement and variant.
Claims (10)
1. a kind of financial transaction system based on living things feature recognition characterized by comprising
Biological characteristic input device, the biological characteristic input device are used to extract the raw biometric information of user；
Biometric devices, biometric devices dealer's biological information for identification；
Server, the server are connected with biological characteristic input device and the biometric devices respectively, the clothes
Business device receives the raw biometric of the biological characteristic input device typing, and by the raw biometric and the user
Bank information matched, the server receive dealer's biological characteristic of biometric devices identification and with
The raw biometric of typing is compared, to support when raw biometric is with dealer's biometric matches
Transaction carries out.
2. the financial transaction system according to claim 1 based on living things feature recognition, which is characterized in that the biology is special
Sign input device is human vein identification device, and the biometric devices are human vein identification device.
3. the financial transaction system according to claim 1 based on living things feature recognition, which is characterized in that the human body is quiet
Arteries and veins identification device is the vein identification device for including infrared sensor.
4. the financial transaction system according to claim 1 based on living things feature recognition, which is characterized in that further comprise
Authentication means, the authentication means are connected to the server, by carrying out pair with the information in the server
The mode of ratio confirms the identity of the user.
5. the financial transaction system according to claim 4 based on living things feature recognition, which is characterized in that the identity is tested
Card device is Fingerprint Identification Unit.
6. the financial transaction system according to claim 4 based on living things feature recognition, which is characterized in that the identity is tested
Card device is card verifying device.
7. the financial transaction system according to claim 1 based on living things feature recognition, which is characterized in that further comprise
User input apparatus, the user input apparatus are connected to the server to transmit password set by user into server.
8. a kind of financial trade method based on living things feature recognition, which comprises the following steps:
Raw biometric vein typing: for user when applying for card, the raw biometric information of the user described in bank's typing is simultaneously
It uploads onto the server；
Living things feature recognition: when user needs to pay, transaction biological information is verified in traction equipment, and by the dealer
Biological information is sent to server；
Living things feature recognition: the dealer's biological characteristic received is compared with raw biometric for server, with
Transaction is supported to carry out in raw biometric and dealer's biometric matches.
9. the financial trade method according to claim 8 based on living things feature recognition, which is characterized in that further comprise
Following steps:
Additional encryption: encryption setting is carried out by the way that additional encryption device is arranged.
10. the financial trade method according to claim 8 based on living things feature recognition, which is characterized in that the encryption
Device is used for the input numerical ciphers after carrying out biometric authentication.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810603493.6A CN109064177A (en) | 2018-06-12 | 2018-06-12 | Financial transaction system and method based on living things feature recognition |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810603493.6A CN109064177A (en) | 2018-06-12 | 2018-06-12 | Financial transaction system and method based on living things feature recognition |
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| CN109064177A true CN109064177A (en) | 2018-12-21 |
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| CN201810603493.6A Pending CN109064177A (en) | 2018-06-12 | 2018-06-12 | Financial transaction system and method based on living things feature recognition |
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| CN206627999U (en) * | 2016-10-24 | 2017-11-10 | 中国银行股份有限公司 | Authentication information processing system |
| CN107609867A (en) * | 2017-09-28 | 2018-01-19 | 山西特信环宇信息技术有限公司 | A kind of electronic purse system and operating method based on biological identification technology |
| CN107610370A (en) * | 2017-08-29 | 2018-01-19 | 深圳怡化电脑股份有限公司 | Not plug-in card ATM and not plug-in card financial trade method |
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2018
- 2018-06-12 CN CN201810603493.6A patent/CN109064177A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN206627999U (en) * | 2016-10-24 | 2017-11-10 | 中国银行股份有限公司 | Authentication information processing system |
| CN106779665A (en) * | 2016-11-23 | 2017-05-31 | 广东微模式软件股份有限公司 | A kind of POS enchashment methods based on human body biological characteristics identification with anti-repudiation technology |
| CN106991571A (en) * | 2017-03-24 | 2017-07-28 | 上海掌腾智能科技有限公司 | A kind of portable intelligent payment terminal based on vena metacarpea |
| CN107610370A (en) * | 2017-08-29 | 2018-01-19 | 深圳怡化电脑股份有限公司 | Not plug-in card ATM and not plug-in card financial trade method |
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Application publication date: 20181221 |
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