CN111340497A - Palm vein financial payment management and control system based on multi-mode biological characteristics - Google Patents
Palm vein financial payment management and control system based on multi-mode biological characteristics Download PDFInfo
- Publication number
- CN111340497A CN111340497A CN202010082482.5A CN202010082482A CN111340497A CN 111340497 A CN111340497 A CN 111340497A CN 202010082482 A CN202010082482 A CN 202010082482A CN 111340497 A CN111340497 A CN 111340497A
- Authority
- CN
- China
- Prior art keywords
- financial
- palm vein
- information
- user
- management
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 210000003462 vein Anatomy 0.000 title claims abstract description 148
- 238000012795 verification Methods 0.000 claims abstract description 20
- 238000012546 transfer Methods 0.000 claims description 4
- 238000012790 confirmation Methods 0.000 abstract description 8
- 230000006399 behavior Effects 0.000 description 9
- 238000000034 method Methods 0.000 description 8
- 238000012986 modification Methods 0.000 description 4
- 230000004048 modification Effects 0.000 description 4
- 238000010586 diagram Methods 0.000 description 2
- 238000009826 distribution Methods 0.000 description 2
- 210000001525 retina Anatomy 0.000 description 2
- 238000006467 substitution reaction Methods 0.000 description 2
- 230000003542 behavioural effect Effects 0.000 description 1
- 210000004204 blood vessel Anatomy 0.000 description 1
- 230000007123 defense Effects 0.000 description 1
- 230000001815 facial effect Effects 0.000 description 1
- 238000001914 filtration Methods 0.000 description 1
- 238000003825 pressing Methods 0.000 description 1
- 238000004080 punching Methods 0.000 description 1
- 238000003860 storage Methods 0.000 description 1
- 238000007920 subcutaneous administration Methods 0.000 description 1
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 description 1
Images
Classifications
-
- 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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
- H04L9/3231—Biological data, e.g. fingerprint, voice or retina
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
Abstract
The invention relates to the technical field of palm veins, and particularly discloses a palm vein financial payment management and control system based on multi-mode biological characteristics. The invention carries out re-verification operation before identity confirmation, and particularly generates the latest transaction information of the personal financial database of the user into the identity verification code and sends the identity verification code to the mobile terminal bound by the user for the payment confirmation when the user carries out payment transaction through the palm vein, thereby avoiding the occurrence of malicious embezzlement behavior.
Description
Technical Field
The invention relates to the technical field of palm veins, in particular to a palm vein financial payment management and control system based on multi-mode biological characteristics.
Background
The traditional identity authentication method comprises an identity identification article and identity identification knowledge, but as the identity authentication method mainly borrows foreign objects, once the identity identification article and the identity identification knowledge are stolen or forgotten, the identity of the identity authentication method is easily faked or replaced by others. Compared with the traditional identity authentication method, the biological identification technology has higher safety, confidentiality and convenience. The biological characteristic identification technology has the advantages of difficult forgetting, good anti-counterfeiting performance, difficult counterfeiting or theft, portability, availability at any time and any place and the like.
The biometric technology is a technology for recognizing a human body based on physiological or behavioral characteristics inherent to the human body. The applied biometric features include fingerprint identification, iris identification, palm geometry identification, retina identification, face identification, signature identification, voice identification and the like, the corresponding biometric features include hand shape, fingerprint, iris, face shape, retina, pulse, auricle and the like, and the behavior features include signature, voice, key pressing force and the like. The biological identification technology can be widely applied to governments, armies, banks, social welfare guarantee, electronic commerce and security defense.
Vein recognition is one type of biometric recognition. One implementation is that a personal vein distribution map is obtained, and characteristic values are extracted from the vein distribution map according to a special comparison algorithm; in another mode, images of veins of fingers, palms and palms are obtained through an infrared CCD camera, and the digital images of the veins are stored in a computer system to realize characteristic value storage. When vein is compared, a vein image is adopted in real time, advanced filtering, image binarization and thinning means are used for extracting features of the digital image, and a complex matching algorithm is adopted to compare and match the vein feature values stored in the host computer, so that identity identification is carried out on an individual, and the identity is confirmed.
Palm vein payment is a living body recognition mode of shooting palm subcutaneous blood vessel line, based on its characteristic that can not imitate and can not steal, becomes a new emerging payment mode gradually, can remove the link of input password, brush cell-phone two-dimensional code, the card of punching the card and carrying the cell-phone from, and is more convenient safety. However, the current palm vein payment collection process is not perfect, only single identity information and palm vein information are collected, if personal identity information is stolen during collection, the situation that the personal palm vein information is inconsistent with a registered account can be caused, account information can be disordered, the situation that other people pay accounts are stolen although the personal identity is used during identification and authentication occurs, the situation that people are stolen and swiped occurs, and property safety of people is seriously damaged.
Disclosure of Invention
The invention provides a palm vein financial payment management and control system based on multi-mode biological characteristics, and solves the technical problems that an existing palm vein payment system is not complete enough, the situation that an account is disordered and stolen by others easily occurs, and property safety of people is seriously harmed.
In order to solve the technical problems, the invention provides a palm vein financial payment management and control system based on multi-mode biological characteristics, which comprises a palm vein financial management and control module, a multi-mode biological characteristic database and a personal financial database, wherein the multi-mode biological characteristic database and the personal financial database are connected with the palm vein financial management and control module;
the palm vein financial management and control module is used for acquiring identity card information and at least two kinds of biological characteristic information including palm vein biological characteristic information of the same user and storing the information in the multi-mode biological characteristic database;
the palm vein financial management and control module is also used for establishing a financial transaction channel to acquire financial transaction information of the user and storing the financial transaction information in the personal financial database.
Specifically, the palm vein financial management and control module is used for acquiring the identity card information of a user, wherein the identity card information comprises the positive and negative photos of the identity card and the character information of the identity card which is automatically generated by scanning the positive and negative photos of the identity card and is confirmed by the user through modification;
the palm vein financial management and control module is further used for acquiring the video information of the front side and the back side of the identity card held by the user after acquiring the identity card information of the user, and storing the video information, the front side and the back side picture of the identity card and the character information of the identity card in the multi-mode biological characteristic database together.
Specifically, the palm vein financial management and control module is used for collecting the at least two kinds of biological characteristic information;
the at least two kinds of biological characteristic information comprise palm vein biological characteristic information and at least one of face biological characteristic information, iris biological characteristic information and fingerprint biological characteristic information;
the palm vein financial management and control module is further used for binding the identity card information with the at least two kinds of biological characteristic information.
Specifically, the palm vein financial management and control module is further configured to establish personal financial account information of the user, and the personal financial account information is linked with the identity card information and the biological characteristic information of the user; the system is also used for establishing a personal palm vein financial management and control platform, and various financial transaction channels are carried on the personal palm vein financial management and control platform for financial transaction operation of logged-in user accounts and storing corresponding financial transaction information in the personal financial database.
Specifically, the palm vein financial management and control module is further configured to establish an identity authentication and interworking channel between the other party application platform and the personal palm vein financial management and control platform; and the financial transaction information which is finished by the user at the other application platform through the palm vein is also stored in the personal financial database.
Specifically, the palm vein financial management and control module is further configured to generate an identity verification code according to the latest transaction information of the personal financial database, and when the personal financial account information corresponds to a behavior of performing payment transaction through a palm vein, send the identity verification code to a mobile terminal bound by a user for the user to input for payment confirmation.
Specifically, the palm vein financial management and control module is further configured to display all financial transaction information corresponding to the user personal financial account information on the personal palm vein financial management and control platform, and inform the user of financial transaction information related to the amount of money reaching a preset money value in a short message and message pushing manner.
Specifically, the financial transaction information completed on the personal palm vein financial management and control platform and the other party application platform comprises consumption payment, transfer transaction and financial management.
Specifically, the personal palm vein financial management and control platform and the other party application platform comprise an APP and a website related to financial transactions; the personal palm vein financial management and control platform is carried on a network terminal which can realize the collection and authentication of identity card information and biological characteristic information and can complete financial transactions, and the network terminal is an internet mobile terminal at least provided with a palm vein recognition structure and a camera structure; the other application platform is carried on a network terminal capable of completing financial transactions, and the network terminal is an internet terminal at least provided with a palm vein identification structure.
Specifically, the palm vein financial management and control module is further configured to update the verified biometric information in the multi-modal biometric database when the user performs identity verification through identity recognition.
When a user registers a financial account through the palm vein financial management and control module, the palm vein financial payment management and control system firstly verifies that the user is registered (identity card information) through an image recognition technology, then collects other biological characteristic information of the user, particularly the palm vein biological characteristic information, and then binds all the characteristic information with the financial account, thereby ensuring that all the information of the user is the same person during registration, avoiding the behavior of registration by using the identity card of other people, and ensuring that the user can be confirmed through any biological characteristic identity verification mode during financial operation.
The palm vein financial management and control module performs re-verification operation before identity confirmation, and specifically, when a user performs payment transaction through the palm veins, the latest transaction information of the personal financial database of the user is generated into an identity verification code and sent to a mobile terminal bound by the user for payment confirmation, so that malicious embezzlement behavior is avoided. And the palm vein finance management and control module also immediately informs the user of the transaction record with larger consumption amount in a message pushing mode, a short message mode and other modes, so that the user can check whether the consumption amount is correct or not, and can timely freeze an account when a consumption behavior which is not operated by the user occurs, and the loss is avoided.
The palm vein financial management and control module provided by the invention also updates the biological characteristic information which passes the authentication when the user performs the identity authentication in the multi-mode biological characteristic database so as to continuously improve the biological characteristic information of the user, and continuously updates the identification algorithm based on the biological characteristic information at the background, so that the identification accuracy can be improved, the identification safety can be further ensured, the biological characteristic information of the user is always the latest data and is not easy to steal, the safety of the whole financial transaction is ensured, and the use experience of the user is also improved.
The personal financial database provided by the invention can not only store all transaction records under a financial account of a user, but also be bound with payment account numbers such as a payment treasure and a WeChat, can record all transaction information paid by the user through biological characteristic information on chatting software, shopping software and financial management software such as the payment treasure, the WeChat and the Tao, can be directly displayed on a personal palm vein financial management and control platform, and the user can directly check all the running water information of funds on the personal palm vein financial management and control platform.
Drawings
Fig. 1 is a block diagram of a palm vein financial payment management and control system based on multi-modal biological features according to an embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, which are given solely for the purpose of illustration and are not to be construed as limitations of the invention, including the drawings which are incorporated herein by reference and for illustration only and are not to be construed as limitations of the invention, since many variations thereof are possible without departing from the spirit and scope of the invention.
The palm vein financial payment management and control system based on the multi-modal biological characteristics, as shown in a module structure diagram shown in fig. 1, includes a palm vein financial management and control module, a multi-modal biological characteristic database and a personal financial database connected with the palm vein financial management and control module;
the palm vein financial management and control module is used for acquiring identity card information and at least two kinds of biological characteristic information including palm vein biological characteristic information of the same user and storing the information in the multi-mode biological characteristic database;
the palm vein financial management and control module is also used for establishing a financial transaction channel to acquire financial transaction information of the user and storing the financial transaction information in the personal financial database.
Specifically, the palm vein financial management and control module is used for acquiring the identity card information of a user, wherein the identity card information comprises the positive and negative photos of the identity card and the character information of the identity card which is automatically generated by scanning the positive and negative photos of the identity card and is confirmed by the user through modification;
the palm vein financial management and control module is further used for acquiring the video information of the front side and the back side of the identity card held by the user after acquiring the identity card information of the user, and storing the video information, the front side and the back side picture of the identity card and the character information of the identity card in the multi-mode biological characteristic database together.
Specifically, the palm vein financial management and control module is used for collecting the at least two kinds of biological characteristic information;
the at least two kinds of biological characteristic information comprise palm vein biological characteristic information and at least one of face biological characteristic information, iris biological characteristic information and fingerprint biological characteristic information;
the palm vein financial management and control module is further used for binding the identity card information with the at least two kinds of biological characteristic information.
In other embodiments, the at least two biometric information may include palm vein biometric information and may further include at least one of facial biometric information, iris biometric information, fingerprint biometric information, and other biometric information.
Specifically, the palm vein financial management and control module is further configured to establish personal financial account information of the user, and the personal financial account information is linked with the identity card information and the biological characteristic information of the user; the system is also used for establishing a personal palm vein financial management and control platform, and various financial transaction channels are carried on the personal palm vein financial management and control platform for financial transaction operation of logged-in user accounts and storing corresponding financial transaction information in the personal financial database.
Specifically, the palm vein financial management and control module is further configured to establish an identity authentication and interworking channel between the other party application platform and the personal palm vein financial management and control platform; and the financial transaction information which is finished by the user at the other application platform through the palm vein is also stored in the personal financial database.
Specifically, the palm vein financial management and control module is further configured to generate an identity verification code according to the latest transaction information of the personal financial database, and when the personal financial account information corresponds to a behavior of performing payment transaction through a palm vein, send the identity verification code to a mobile terminal bound by a user for the user to input for payment confirmation.
Specifically, the palm vein financial management and control module is further configured to display all financial transaction information corresponding to the user personal financial account information on the personal palm vein financial management and control platform, and inform the user of financial transaction information related to the amount of money reaching a preset money value in a short message and message pushing manner.
Specifically, the financial transaction information completed on the personal palm vein financial management and control platform and the other party application platform comprises consumption payment, transfer transaction and financial management.
Specifically, the personal palm vein financial management and control platform and the other party application platform comprise an APP and a website related to financial transactions; the personal palm vein financial management and control platform is carried on a network terminal which can realize the collection and authentication of identity card information and biological characteristic information and can complete financial transactions, and the network terminal is an internet mobile terminal at least provided with a palm vein recognition structure and a camera structure; the other application platform is carried on a network terminal capable of completing financial transactions, and the network terminal is an internet terminal at least provided with a palm vein identification structure.
Specifically, the palm vein financial management and control module is further configured to update the verified biometric information in the multi-modal biometric database when the user performs identity verification through identity recognition.
Suppose that personal palm vein finance management and control platform is for carrying on the palm vein finance management and control APP on the smart mobile phone that takes palm vein discernment, and this smart mobile phone has possessed the high definition and has shot and make a video recording the function, can accomplish iris discernment, and this smart mobile phone still has the fingerprint identification function. The mobile phone is also provided with other party application platforms such as WeChat, Jingdong, Paibao and bank, and other APPs which can only use WeChat, Paibao and bank account numbers to carry out transaction.
Firstly, a user registers in the palm vein financial management and control APP, and the user sets the name, the password and the like of the account number of the user.
Then, photos of the front side and the back side of the identity card are shot, corresponding character information is read out, and then a user confirms whether the information is correct or not, modifies the information incorrectly and stores the information.
Then this palm vein finance management and control APP reminds the handheld ID card positive and negative of user to carry out short video shooting to the camera, at the shooting in-process, carries out face identification to the user, confirms that the user is unanimous with the picture on the ID card, and the video of shooting is preserved to the backstage.
And then collecting the palm vein information of the user, finishing the collection according to a preset operation flow, and storing the corresponding palm vein biological characteristic information in a background.
Then, iris information of the user is collected, the collection is completed according to a preset operation flow, and corresponding iris biological characteristic information is stored in a background.
Then, fingerprint information of the user is collected, the collection is completed according to a preset operation flow, and the background stores corresponding fingerprint biological characteristic information.
It should be noted that the iris biometric information and the fingerprint biometric information of the user can be extracted from the feature information base of the mobile phone or acquired without being collected again by acquiring the authority with software which opens the fingerprint payment and the iris payment, so that the registration process of the user is reduced.
Through the steps, the biological characteristic information of the user is collected, and then account number supplementary information, such as adding a bank account, obtaining the use permission of each APP, binding the payment account number of each APP, adding the phone number and the mailbox of the user, setting the amount of money for short message reminding and the like, is carried out.
At this moment, can show the transaction account information of other each APP that obtain the authority on this palm vein finance management and control APP, if the user purchases the financial product or shopping, transfer account etc. at this palm vein finance management and control APP, the arbitrary payment account number in the arbitrary APP of homoenergetic free choice pays, of course, also includes the payment account number of this palm vein finance management and control APP (the user has the money of certain amount in its account number). Each flow of funds during the transaction is presented to the palm vein financial management APP, and the user can obtain all the information of the flow of funds and also view the bill.
For example, the user uses the wallet balance of WeChat to accomplish a consumption through the mode of palm vein payment, and there is the message suggestion based on WeChat, and this palm vein finance management and control APP just no longer indicates, but this transaction record has been updated on the APP, and the user opens the APP alright look over. However, when the transaction amount reaches a preset value or the transaction time is within a preset range, verification (sending an identity verification code generated depending on the latest transaction information) needs to be performed first, and after the transaction is completed, special reminding needs to be performed, wherein the special reminding includes the transaction time, the place, the amount, the payment account number, the collection account number and the like. If the user pays by fingerprint or inputs password, the user can select whether the setting is needed to be carried out according to palm vein payment. The invention provides more stringent protection against palm vein payments.
It should be further noted that the other-party application platform may be mounted on other payment devices, such as a supermarket cashier device, and is consistent with the current biometric identification methods such as face recognition payment, when the user consumes on line, the palm vein scanning device of the merchant may directly complete the transaction in a way of scanning the palm veins of the user, and for the transaction, the default is to select the payment account number of the user self-set by the palm vein financial management and control APP to perform default payment, so that even if the user does not take the mobile phone out or the mobile phone is out of power, the user can complete the consumption on line, and the user has better use experience.
According to the palm vein financial payment control system based on the multi-mode biological characteristics, when a user registers a financial account through the palm vein financial control module, the user is verified to be registered (identity card information) by an image recognition technology, other biological characteristic information of the user, particularly the palm vein biological characteristic information, is collected, and all the characteristic information is bound with the financial account, so that all the information of the user is the same person during registration, registration behaviors by using the identity card of other people are avoided, and the user can be confirmed in any biological characteristic identity verification mode during financial operation.
The palm vein financial management and control module provided by the embodiment of the invention carries out re-verification operation before identity confirmation, and particularly, when a user carries out payment transaction through the palm vein, the latest transaction information of the personal financial database of the user is generated into an identity verification code and is sent to the mobile terminal bound by the user for payment confirmation, so that malicious embezzlement behavior is avoided. And the palm vein finance management and control module also immediately informs the user of the transaction record with larger consumption amount in a message pushing mode, a short message mode and other modes, so that the user can check whether the consumption amount is correct or not, and can timely freeze an account when a consumption behavior which is not operated by the user occurs, and the loss is avoided.
The palm vein financial management and control module provided by the embodiment of the invention also updates the biological characteristic information which passes the authentication when the user performs the identity authentication in the multi-mode biological characteristic database so as to continuously improve the biological characteristic information of the user, and continuously updates the identification algorithm based on the biological characteristic information at the background, so that the identification accuracy can be improved, the identification safety can be further ensured, the biological characteristic information of the user is always the latest data and is not easy to steal, the safety of the whole financial transaction is ensured, and the use experience of the user is also improved.
The personal financial database provided by the embodiment of the invention can not only store all transaction records under a financial account of a user, but also bind with payment account numbers such as a payment treasure, a WeChat and the like, record all transaction information paid by the user on chatting software, shopping software and financial management software such as the payment treasure, the WeChat and the Tao through biological characteristic information, and can be directly displayed on a personal palm vein financial management and control platform.
The above embodiments are preferred embodiments of the present invention, but the present invention is not limited to the above embodiments, and any other changes, modifications, substitutions, combinations, and simplifications which do not depart from the spirit and principle of the present invention should be construed as equivalents thereof, and all such changes, modifications, substitutions, combinations, and simplifications are intended to be included in the scope of the present invention.
Claims (10)
1. A palm vein financial payment management and control system based on multi-mode biological characteristics is characterized by comprising a palm vein financial management and control module, a multi-mode biological characteristic database and a personal financial database, wherein the multi-mode biological characteristic database and the personal financial database are connected with the palm vein financial management and control module;
the palm vein financial management and control module is used for acquiring identity card information and at least two kinds of biological characteristic information including palm vein biological characteristic information of the same user and storing the information in the multi-mode biological characteristic database;
the palm vein financial management and control module is also used for establishing a financial transaction channel to acquire financial transaction information of the user and storing the financial transaction information in the personal financial database.
2. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 1, characterized in that:
the palm vein financial management and control module is used for acquiring the identity card information of a user, and the identity card information comprises the positive and negative photos of the identity card and the character information of the identity card which is automatically generated by scanning the positive and negative photos of the identity card and is modified and confirmed by the user;
the palm vein financial management and control module is further used for acquiring the video information of the front side and the back side of the identity card held by the user after acquiring the identity card information of the user, and storing the video information, the front side and the back side picture of the identity card and the character information of the identity card in the multi-mode biological characteristic database together.
3. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 2, characterized in that: the palm vein financial management and control module is used for collecting the at least two kinds of biological characteristic information;
the at least two kinds of biological characteristic information comprise palm vein biological characteristic information and at least one of face biological characteristic information, iris biological characteristic information and fingerprint biological characteristic information;
the palm vein financial management and control module is further used for binding the identity card information with the at least two kinds of biological characteristic information.
4. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 3, characterized in that: the palm vein financial management and control module is also used for establishing personal financial account information of the user, and the personal financial account information is linked with the identity card information and the biological characteristic information of the user; the system is also used for establishing a personal palm vein financial management and control platform, and various financial transaction channels are carried on the personal palm vein financial management and control platform for financial transaction operation of logged-in user accounts and storing corresponding financial transaction information in the personal financial database.
5. The palm vein financial payment management and control system based on multi-modal biometrics, as claimed in claim 4, wherein: the palm vein financial management and control module is also used for establishing an identity authentication intercommunication channel between the other party application platform and the personal palm vein financial management and control platform; and the financial transaction information which is finished by the user at the other application platform through the palm vein is also stored in the personal financial database.
6. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 5, characterized in that: the palm vein financial management and control module is further used for generating an identity verification code according to the latest transaction information of the personal financial database, and when the personal financial account information corresponds to the action of payment transaction through the palm veins, the identity verification code is sent to a mobile terminal bound by a user for the user to input and confirm payment.
7. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 6, characterized in that: the palm vein financial management and control module is further used for displaying all corresponding financial transaction information under the user personal financial account information on the personal palm vein financial management and control platform, and informing the financial transaction information related to the amount of money reaching a preset amount of money to the user in a short message and message pushing mode.
8. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 7, wherein: and the financial transaction information finished on the personal palm vein financial management and control platform and the other party application platform comprises consumption payment, transfer transaction and financial management.
9. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 8, wherein: the personal palm vein financial management and control platform and the other party application platform comprise an APP and a website related to financial transactions; the personal palm vein financial management and control platform is carried on a network terminal which can realize the collection and authentication of identity card information and biological characteristic information and can complete financial transactions, and the network terminal is an internet mobile terminal at least provided with a palm vein recognition structure and a camera structure; the other application platform is carried on a network terminal capable of completing financial transactions, and the network terminal is an internet terminal at least provided with a palm vein identification structure.
10. The palm vein financial payment management and control system based on multi-modal biometrics as claimed in claim 1, characterized in that: the palm vein financial management and control module is further used for updating the verified biological characteristic information in the multi-mode biological characteristic database when the user performs identity verification through identity recognition.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010082482.5A CN111340497A (en) | 2020-02-07 | 2020-02-07 | Palm vein financial payment management and control system based on multi-mode biological characteristics |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010082482.5A CN111340497A (en) | 2020-02-07 | 2020-02-07 | Palm vein financial payment management and control system based on multi-mode biological characteristics |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111340497A true CN111340497A (en) | 2020-06-26 |
Family
ID=71186784
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010082482.5A Pending CN111340497A (en) | 2020-02-07 | 2020-02-07 | Palm vein financial payment management and control system based on multi-mode biological characteristics |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111340497A (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296199A (en) * | 2016-07-12 | 2017-01-04 | 刘洪文 | Payment based on living things feature recognition and identity authorization system |
| CN106991570A (en) * | 2017-03-24 | 2017-07-28 | 上海掌腾智能科技有限公司 | A kind of quick transaction system that bank card operation is carried out based on vena metacarpea |
| CN107153994A (en) * | 2017-04-19 | 2017-09-12 | 深圳怡化电脑股份有限公司 | A kind of method for authenticating user identity, fiscard and financial terminal |
| CN110458573A (en) * | 2019-07-17 | 2019-11-15 | 江西拓世智能科技有限公司 | A kind of biological method of payment identified based on face and palmmprint vena metacarpea |
| US20190367620A1 (en) * | 2016-11-22 | 2019-12-05 | Merck Patent Gmbh | Monoclonal antibody directed to fgfr1 |
-
2020
- 2020-02-07 CN CN202010082482.5A patent/CN111340497A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296199A (en) * | 2016-07-12 | 2017-01-04 | 刘洪文 | Payment based on living things feature recognition and identity authorization system |
| US20190367620A1 (en) * | 2016-11-22 | 2019-12-05 | Merck Patent Gmbh | Monoclonal antibody directed to fgfr1 |
| CN106991570A (en) * | 2017-03-24 | 2017-07-28 | 上海掌腾智能科技有限公司 | A kind of quick transaction system that bank card operation is carried out based on vena metacarpea |
| CN107153994A (en) * | 2017-04-19 | 2017-09-12 | 深圳怡化电脑股份有限公司 | A kind of method for authenticating user identity, fiscard and financial terminal |
| CN110458573A (en) * | 2019-07-17 | 2019-11-15 | 江西拓世智能科技有限公司 | A kind of biological method of payment identified based on face and palmmprint vena metacarpea |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| TWI676947B (en) | Payment authentication method and authentication system based on face recognition and HCE | |
| WO2018094584A1 (en) | Payment and identity authentication system based on biometric feature recognition | |
| US20140279516A1 (en) | Authenticating a physical device | |
| CN108701299A (en) | Use the multi-party system and method calculated for biometric authentication | |
| Bhosale et al. | Security in e-banking via cardless biometric ATMs | |
| CN110192213A (en) | Biological characteristic transaction system | |
| US20170352037A1 (en) | Identification and Payment Method Using Biometric Characteristics | |
| CN103699995A (en) | Payment authentication method based on fingerprints and finger veins | |
| US20170116602A1 (en) | Biometric verification systems and methods for payment transactions | |
| CN109426963B (en) | Biometric system for authenticating biometric requests | |
| CN113611058B (en) | Convenient payment method for public transportation, related device and computer storage medium | |
| CN101853542B (en) | IC card consumption system integrating finger vein identification technology | |
| CN108140213A (en) | With handling the processing method of the financial transaction relay system of the maltilevel security lock function of user authentication and financial transaction relay system by scanning both finger pulse and fingerprint | |
| CN1760904A (en) | Charging system based on validation of fingerprint | |
| CN107886330A (en) | Settlement method, apparatus and system | |
| CN104143139A (en) | Payment method and system based on facial expressions | |
| CN101510333A (en) | IC card consumption system integrated with human face discrimination technology | |
| CN110352424A (en) | Authenticate the system and method for user biologically using authentication data and live data | |
| Singh et al. | A constraint-based biometric scheme on ATM and swiping machine | |
| CN206388286U (en) | It is a kind of to merge the POS terminal that vena metacarpea identification and Quick Response Code are paid | |
| Dutta et al. | ATM card security using bio-metric and message authentication technology | |
| CN108053218A (en) | A kind of safe method of mobile payment | |
| CN106991571A (en) | A kind of portable intelligent payment terminal based on vena metacarpea | |
| KR101878968B1 (en) | Banking Payment Syatem by Using Body Information and Method thereof | |
| US20160063504A1 (en) | Method and system for implementing biometric authenticated transactions |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20220301 Address after: 518057 1016, building 3, Xunmei science and Technology Plaza, No. 8, Keyuan Road, science and Technology Park community, Yuehai street, Nanshan District, Shenzhen, Guangdong Province Applicant after: Zhangzhifu Digital Technology Co.,Ltd. Address before: 201821 room j1286, building 4, zone B, No. 925, Yecheng Road, Jiading Industrial Zone, Jiading District, Shanghai Applicant before: SHANGHAI ZHANGTONG TIANXIA INFORMATION SYSTEM CO.,LTD. |
|
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200626 |