CN113742685A - Business handling method based on biological characteristic technology and related device - Google Patents
Business handling method based on biological characteristic technology and related device Download PDFInfo
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- CN113742685A CN113742685A CN202110865302.5A CN202110865302A CN113742685A CN 113742685 A CN113742685 A CN 113742685A CN 202110865302 A CN202110865302 A CN 202110865302A CN 113742685 A CN113742685 A CN 113742685A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/51—Discovery or management thereof, e.g. service location protocol [SLP] or web services
Abstract
The application discloses a business handling method and a related device based on a biological characteristic technology, which can be applied to remote business handling of a user, provide convenience for the user to handle the business, and improve the business efficiency. The method comprises the following steps: the server receives the identity card information sent by the terminal; the server determines that the authentication of the identity card information is passed; the server acquires at least one piece of associated first biological characteristic information according to the identity card information; the server receives at least one piece of second biological characteristic information sent by the terminal; if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal; and the server transacts the service requested by the terminal.
Description
Technical Field
The present application relates to the field of biometric technologies, and in particular, to a method and a related apparatus for transaction based on biometric technologies.
Background
With the continuous development of economy and society, various businesses related to daily life or financial economy are gradually merged into the social life of people, and people tend to handle the businesses more and more frequently.
In the prior art, for example, in the field of banking business handling, when a user handles business such as opening an account, signing a contract, reporting a loss and the like, the user needs to go to a designated physical website to provide personal special authentication information such as personal fingerprints, iris and other biological feature information, and banking business handling personnel operate on the spot and check and verify whether the user is the user, so as to determine whether the banking business handling can be carried out.
When the business is handled, the user needs to provide evidence for proving himself on site, and the situation that the user is inconvenient to arrive at a physical network point for handling the business can exist, so that the process of handling the business by the user is troublesome.
Disclosure of Invention
The application provides a business handling method and a related device based on a biological characteristic technology, which can be applied to remote business handling of a user, provide convenience for the user to handle the business, and improve the business efficiency.
The application provides a business handling method based on a biological feature technology in a first aspect, and the method comprises the following steps:
the server receives the identity card information sent by the terminal;
the server determines that the authentication of the identity card information is passed;
the server acquires at least one piece of associated first biological characteristic information according to the identity card information;
the server receives at least one piece of second biological characteristic information sent by the terminal;
if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal;
and the server transacts the service requested by the terminal.
Optionally, after the server receives at least one second biometric information sent by the terminal, the method further includes:
the server acquires the associated ID card head portrait information according to the ID card information;
the server receives face image information sent by the terminal;
if the similarity between the second biological characteristic information and the first biological characteristic information is greater than or equal to a preset threshold, the step of receiving, by the server, the service transaction request sent by the terminal includes:
and if the similarity is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal, wherein the similarity is generated by comparing the second biological characteristic information with the first biological characteristic information and comparing the identity card head portrait information with the face image information.
Optionally, before the server acquires the associated at least one first biometric information according to the identification card information, the method further includes:
the server acquires the associated ID card head portrait information according to the ID card information;
the server receives face image information sent by the terminal;
and the server determines that the similarity generated by comparing the identity card head portrait information with the face image information is greater than or equal to a preset threshold value.
Optionally, after the server receives a service transaction request sent by the terminal, the method further includes:
and the server updates the first biological characteristic information according to the second biological characteristic information in a covering mode.
Optionally, after the server receives a service transaction request sent by the terminal, the method further includes:
the server receives at least one third biological characteristic message sent by the terminal;
and the server updates the first biological characteristic information according to the third biological characteristic information.
Optionally, before the server transacts the service requested by the terminal, the method further includes:
the server sends a signature instruction to the terminal, wherein the signature instruction is used for enabling the terminal to be in an electronic signature service state;
and the server stores the signature information sent by the terminal.
The second aspect of the present application provides a method for transaction based on biometric technology, including:
the terminal acquires identity card information;
the terminal sends the identity card information to a server, so that the server determines that the identity card information passes verification, and acquires associated at least one first biological characteristic information according to the identity card information;
the terminal acquires at least one second biological characteristic information;
the terminal sends the second biological characteristic information to the server;
and the terminal sends a service handling request to the server, wherein the service handling request is sent when the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset value.
A third aspect of the present application provides a server comprising:
the first receiving unit is used for receiving the identity card information sent by the terminal;
the first determining unit is used for determining that the authentication of the identity card information passes;
the first acquisition unit is used for acquiring at least one piece of associated first biological characteristic information according to the identity card information;
the second receiving unit is used for receiving at least one piece of second biological characteristic information sent by the terminal;
a third receiving unit, configured to receive a service transaction request sent by the terminal if a similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset threshold;
and the transaction unit is used for transacting the service requested by the terminal.
Optionally, the server further comprises:
the second acquisition unit is used for acquiring the related identity card head portrait information according to the identity card information;
the fourth receiving unit is used for receiving the face image information sent by the terminal;
and the third receiving unit is specifically configured to receive a service handling request sent by the terminal if the similarity is greater than or equal to a preset threshold, where the similarity is generated by comparing the second biometric information with the first biometric information and comparing the identification card avatar information with the face image information.
Optionally, the server further comprises:
and the first updating unit is used for updating the first biological characteristic information according to the second biological characteristic information in a covering mode.
Optionally, the server further comprises:
a fifth receiving unit, configured to receive at least one third piece of biometric information sent by the terminal;
and the second updating unit is used for updating the first biological characteristic information according to the third biological characteristic information.
Optionally, the server further comprises:
a sending unit, configured to send a signature instruction to the terminal, where the signature instruction is used to enable the terminal to be in an electronic signature service state;
and the storage unit is used for storing the signature information sent by the terminal.
A fourth aspect of the present application provides a server, comprising:
the first receiving unit is used for receiving the identity card information sent by the terminal;
the first determining unit is used for determining that the authentication of the identity card information passes;
the first acquisition unit is used for acquiring at least one piece of associated first biological characteristic information according to the identity card information;
the second receiving unit is used for receiving at least one piece of second biological characteristic information sent by the terminal;
a third receiving unit, configured to receive a service transaction request sent by the terminal if a similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset threshold;
and the transaction unit is used for transacting the service requested by the terminal.
Optionally, the server further comprises:
the second acquisition unit is used for acquiring the related identity card head portrait information according to the identity card information;
the fourth receiving unit is used for receiving the face image information sent by the terminal;
and the second determining unit is used for determining that the similarity generated by comparing the identity card head portrait information with the face image information is greater than or equal to a preset threshold value.
Optionally, the server further comprises:
and the first updating unit is used for updating the first biological characteristic information according to the second biological characteristic information in a covering mode.
Optionally, the server further comprises:
a fifth receiving unit, configured to receive at least one third piece of biometric information sent by the terminal;
and the second updating unit is used for updating the first biological characteristic information according to the third biological characteristic information.
Optionally, the server further comprises:
a sending unit, configured to send a signature instruction to the terminal, where the signature instruction is used to enable the terminal to be in an electronic signature service state;
and the storage unit is used for storing the signature information sent by the terminal.
A fifth aspect of the present application provides a terminal, comprising:
the first acquisition unit is used for acquiring the identity card information;
the first sending unit is used for sending the identity card information to a server so that the server can determine that the identity card information passes verification and obtain at least one piece of associated first biological characteristic information according to the identity card information;
a second acquisition unit configured to acquire at least one second biometric information;
a second transmitting unit configured to transmit the second biometric information to the server;
and the third sending unit is used for sending a service handling request to the server, wherein the service handling request is sent when the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset value.
A sixth aspect of the present application provides a device for transaction based on biometric technology, including:
the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;
the memory is a transient memory or a persistent memory;
the central processor is configured to communicate with the memory and execute the instructions in the memory to perform the method of any one of the first aspect and alternatives of the first aspect or the second aspect and alternatives of the second aspect.
A seventh aspect of the present application provides a computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the method of the first aspect and any one of the alternatives of the first aspect, the second aspect and the alternatives of the second aspect.
According to the technical scheme, the method has the following advantages:
in the application, a server receives identity card information sent by a terminal, determines that the identity card information passes verification, acquires associated at least one first biological characteristic information according to the identity card information, receives at least one second biological characteristic information sent by the terminal, and receives a service handling request sent by the terminal and handles a service requested by the terminal if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value. According to the method, the second biological characteristic information can be uploaded to the server through the terminal, the second biological characteristic information is compared with the first biological characteristic information stored in the server in advance, the identity of the user needing to handle the business can be confirmed through the generated similarity, the business handling service is provided for the user, the user does not need to arrive at a determined physical website to conduct business authentication and handling, the method can be applied to remote business handling of the user, convenience is brought to the user in business handling, and the business efficiency is improved.
Drawings
In order to more clearly illustrate the technical solutions in the present application, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.
FIG. 1 is a schematic flow chart of a method for biometric-based transaction processing in the present application;
FIG. 2 is another flow chart of the method for biometric-based transaction processing of the present application;
FIG. 3 is another flow chart of the method for biometric-based transaction processing of the present application;
FIG. 4 is another flow chart of the method for biometric-based transaction processing of the present application;
FIG. 5 is another flow chart of the method for biometric-based transaction processing of the present application;
FIG. 6 is a schematic diagram of a server according to the present application;
FIG. 7 is a schematic diagram of another embodiment of a server according to the present application;
FIG. 8 is a schematic diagram of another embodiment of a server according to the present application;
fig. 9 is a schematic structural diagram of a terminal according to the present application;
fig. 10 is a schematic structural diagram of a business transaction device based on biometric technology in the present application.
Detailed Description
The application provides a business handling method based on a biological characteristic technology and a related device, which are used for improving the business handling efficiency.
Referring to fig. 1, the method for transaction based on biometric technology in the present application can be implemented on a server. The following is specifically described by applying the method to a server:
the server is associated with a plurality of networking remote terminal devices, the networking remote terminal devices can comprise hardware modules such as a video display screen, a touch display screen, a password keyboard, a second-generation certificate reader, a camera, an A4 printer, a bank card reading and writing card sender, a microphone, a loudspeaker and the like, the networking remote terminal devices can collect and send second biological characteristic information of a user to the server, and corresponding service application requests can be sent to the server through operation of the user on an operating system displayed on the terminal devices, so that the application function of corresponding services is realized.
101. The server receives the identity card information sent by the terminal;
a non-contact IC card intelligent chip is arranged in the second generation resident identification card, and information in the digital chip can be read by a second generation identification card reader. The terminal is provided with a second-generation ID card reader, the terminal can read ID card information in the second-generation ID card of a person and sends the ID card information to the server, and the server receives the ID card information.
102. The server determines that the authentication of the identity card information is passed;
for example, in the process of handling the business of the bank, the server can upload the identity card information to a networked checking citizen identity information system, the networked checking citizen identity information system takes the existing intranet and internetwork interconnection platform of the citizen as the basis, forwards the checking requests sent by the citizen user and the pre-positioned systems of the account system, the credit investigation system and the anti-money laundering system to the information sharing system of the public security department, receives and forwards the checking requests sent by the commercial bank user and the comprehensive business system through the pre-positioned system of the commercial bank user, and receives and forwards the checking result of the information sharing system of the public security department. Whether the identity card information can pass the verification can be confirmed through the verification result, and when the identity card information passes the verification, the server determines that the identity card information passes the verification, namely, the unique identity of the user A can be determined through the identity card information in a network verification citizen identity information system, and the identity of the user A is the identity capable of normally conducting business handling.
103. The server acquires at least one piece of associated first biological characteristic information according to the identity card information;
the server, the third-party trusted authority, etc. may store in advance at least one piece of first biometric information associated with the identification card information, where the first biometric information may be biometric information such as fingerprint information, iris information, and palm print information, and according to the determined identification card information, the server may obtain the associated first biometric information from the local server, the third-party trusted authority, etc., for example: the server acquires fingerprint information A and iris information A bound with the second-generation personal identification card A. It should be noted that the first biometric information is information that has been determined to be bound with the second generation personal identification card.
Optionally, the server verifies the determined first biometric information, and obtains the verified first biometric information, for example: the server locally determines palm print information A, palm print information B and fingerprint information A, verifies the biological characteristic information, and determines that the fingerprint information A and the palm print information A are in the condition of passing verification through verification of stored definition, integrity, storage time and age or input equipment specification of a terminal associated with the server and the like, so that the server acquires the fingerprint information A and the palm print information A. In this embodiment, the first biometric information obtained by the server is verified, screened and obtained, so that the practicability of the first biometric information as the user identity verification can be improved, and the problems that the first biometric information is compared with the biometric characteristic corresponding to the current user due to reasons such as the definition, the integrity, the time age of the obtained first biometric information or the specification of the terminal input device are affected are reduced.
104. The server receives at least one piece of second biological characteristic information sent by the terminal;
the terminal is provided with a device for acquiring second biometric information of the user, for example, a fingerprint reader can acquire a fingerprint of the user, a camera can acquire iris information of the user, and the like, and the terminal acquires the second biometric information of the user, and it should be noted that the second biometric information is a biometric certificate of the true identity of the user provided by the user to the server through the terminal. For example: after the server acquires the fingerprint information A and the iris information A, the terminal acquires the fingerprint information B of the user as the iris information B, and the server receives the fingerprint information B and the iris information B sent by the terminal.
105. If the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal;
the server compares second biological characteristic information acquired and sent by the terminal with first biological characteristic information associated with the identity card information, when the similarity generated by comparing the second biological characteristic information with the corresponding first biological characteristic information is greater than or equal to a preset threshold value, it can be determined that the second biological characteristic information provided by the user on site through the terminal conforms to the first biological characteristic information bound on the identity card, the identity verification of the user is passed, the user can apply for transaction on the terminal, and the server receives a service transaction request sent by the terminal. For example: the fingerprint information A is compared with the fingerprint information B, the iris information A is compared with the iris information B, the obtained similarity A is 98%, and if the similarity A is larger than or equal to 95%, the identity verification of the user is determined to be passed, the terminal can receive business transaction application operations such as loss report of a bank card and the like of the user on the terminal, and the server receives a business transaction request of the loss report of the bank card sent by the terminal.
106. The server transacts the service requested by the terminal;
according to the identity card information, the server can determine the account bound with the identity card information, and according to the received service transaction request sent by the terminal, the server transacts corresponding services for the account of the user.
Optionally, the server establishes a confidence weight library for the first biometric information. The first biometric information credibility weight value indicates that the degree of identity verification can be passed by using the first biometric information, and the degree of identity verification decreases with time, and if the business is successfully transacted according to the first biometric information, the credibility weight value of the first biometric information increases, for example: if the user successfully transacts the service through the authentication by the fingerprint information a, the confidence weight of the fingerprint information a is increased, and in addition, if the first biometric information is updated, for example: and after the server determines that the user successfully transacts the service, acquiring newly added third biological characteristic information to update the first biological characteristic information, and setting the reliability weight of the updated first biological characteristic information as the maximum value. The credibility weight library can be used as a reference in the process of acquiring and verifying the first biological characteristics by the server, verify the credibility weight of the first biological characteristic information, and verify the first biological characteristic information which accords with the credibility weight verification standard. In this embodiment, the first biometric information that is more frequently used or relatively closer to the near situation may be preferentially selected as the credential standard for the user to verify the identity through the confidence weight library, so as to improve the success rate of the user to verify the identity.
In the application, a server receives identity card information sent by a terminal, determines that the identity card information passes verification, acquires associated at least one first biological characteristic information according to the identity card information, receives at least one second biological characteristic information sent by the terminal, and receives a service handling request sent by the terminal and handles a service requested by the terminal if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value. According to the method, the second biological characteristic information can be uploaded to the server through the terminal and compared with the first biological characteristic information stored in the server in advance, so that the identity of the user needing to handle the business can be confirmed, the business handling service is provided for the user, the user does not need to arrive at a determined physical website to perform authentication and handling of the business, the method can be applied to remote business handling of the user, convenience is provided for the user to handle the business, and the business efficiency is improved.
The above embodiments illustrate the method of the server side in the present application, and a method of the server side in the present application will be described in detail with reference to the accompanying drawings. Referring to fig. 2, another method for transaction based on biometric technology in the present application includes:
201. the server receives the identity card information sent by the terminal;
202. the server determines that the authentication of the identity card information is passed;
203. the server acquires at least one piece of associated first biological characteristic information according to the identity card information;
204. the server receives at least one piece of second biological characteristic information sent by the terminal;
205. The server acquires the associated ID card head portrait information according to the ID card information;
the server acquires identity card head portrait information related to the identity card information according to the identity card information, and when the identity card head portrait information is a second-generation identity card of a resident, identity card handling personnel shoot the head portrait of a user in advance and the identity card to bind and store the information. The server may obtain the associated id card avatar information from a channel such as a local information sharing system of the public security department or a bank server through the id card information, which is not limited herein. For example: and according to the identity card of the user A, the server acquires the head portrait information of the identity card of the user A.
206. The server receives face image information sent by the terminal;
the terminal can be provided with a camera, the current face image information of the user can be collected through the camera, and a server associated with the terminal can receive the face image information.
207. If the similarity is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal, wherein the similarity is generated by comparing the second biological characteristic information with the first biological characteristic information and comparing the identity card head portrait information with the face image information;
the server compares second biological characteristic information acquired and sent by the terminal with first biological characteristic information related to the identity card information, meanwhile compares the head portrait information of the identity card with the face image information to generate a similarity, when the similarity is greater than or equal to a preset threshold value, the second biological characteristic information provided by the user through the terminal on site can be determined to be identical to the first biological characteristic information bound on the identity card, meanwhile, the head portrait shot by the user at present is determined to be identical to the head portrait registered on the identity card, the identity verification of the user is passed, the user can apply business handling on the terminal, and the server receives a business handling request sent by the terminal. For example: the fingerprint information A is compared with the fingerprint information B, the iris information A is compared with the iris information B, the head portrait information of the identity card is compared with the face image information, the obtained similarity A is 98%, and the similarity A is larger than or equal to 95%, it is determined that the identity verification of the user passes, the terminal can receive business transaction application operation of the user on the terminal, such as business of loss reporting of a bank card and the like, and the server receives a business transaction request of loss reporting of the bank card sent by the terminal.
In this embodiment, the second biometric information and the first biometric information, and the identification card head portrait information and the face image information are compared at the same time, so that the user identity is determined according to the similarity generated by the comparison, the basis means for determining the user identity handling the service can be improved, and the security of the service handling is improved.
208. The server updates the first biological characteristic information according to the second biological characteristic information in a covering mode;
and after the server determines that the identity of the user passes, the server updates the first biological characteristic information in a covering mode by the second biological characteristic information and stores the second biological characteristic information. For example: after the user identity is confirmed, the server updates the fingerprint information A, the iris information A and the palm print information A in a covering mode by the fingerprint information B, the iris information B and the palm print information B which are sent and obtained from the terminal.
In this embodiment, the second biometric information that is passed through the server at this time is used as a basis for the server to perform the auditing before the next service transaction, that is, the updated first biometric information, and the identity card information of the user is updated, so that a situation that the similarity between the first biometric information of the user a stored in the server and the second biometric information provided by the user a is lower than a preset threshold due to factors such as a time gap can be reduced.
209. The server receives at least one third biological characteristic message sent by the terminal;
210. the server updates the first biological characteristic information according to the third biological characteristic information;
after the server determines that the identity of the user passes, third biological characteristic information which is acquired by the terminal and is newly added and input by the user can be received, and the third biological characteristic information can be used as a new basis for auditing before the server conducts next service transaction. For example: the server receives the palm print information A and the iris information C sent by the terminal, and updates the palm print information A and the iris information C into the first biological characteristic information bound with the identity card information A, so that the identity of the user can be checked according to the palm print information A and the iris information C when the user A applies for the next service.
In this embodiment, after the server determines that the identity of the user passes, the terminal may enter the added third biometric information of the user and bind with the second-generation personal identification card, so as to serve as an original identity credential for identity verification, so that the user may utilize the added third biometric information to remotely verify the identity information through the terminal. 211. The server sends a signature instruction to the terminal, wherein the signature instruction is used for enabling the terminal to be in an electronic signature service state;
212. the server stores the signature information sent by the terminal;
after the server determines that the identity information of the user passes, the server can send a signature instruction to the terminal to enable the terminal to be in an electronic signature service state for carrying out electronic signature operation on the user, so that the terminal can acquire the electronic signature information of the user and send the electronic signature information to the server for storage, the electronic signature information can include the electronic signature of the user, the current time information and the like, and the electronic signature information can be used as a server for keeping the record of the service applied by the user.
In this embodiment, the electronic signature information of the user is obtained before the user applies for the service, a log of the service application of the user can be recorded, and a certificate which the user has agreed to perform the service is stored.
Optionally, before the server sends the signature instruction to the terminal, the server may perform verification of the verification code through a pre-bound user communication terminal, such as a mobile communication device like a mobile phone, and send the first verification code to the mobile phone of the user according to the reserved mobile phone number of the mobile phone a of the user a. It is understood that the sending mode of the verification code may be a short message or a voice telephone, etc., and the verification code may be four randomly generated digits, such as 1234, etc., without limitation.
In the embodiment, the identity of the user is determined by the server through the verification of the user mobile phone bound by the user, so that the safety of service handling can be improved.
213. The server transacts the service requested by the terminal;
step 213 in this embodiment is similar to step 106 in the embodiment shown in fig. 1, and is not described here again.
In the method of the server side in the present application, the first biometric information and the second biometric information, and the identity card avatar information and the face image information are compared at the same time, which is explained in detail in the above embodiment, and in the method of the server side in the present application, the identity card avatar information and the face image information are preferably compared with each other with reference to the attached drawings. Referring to fig. 3, another method for transaction based on biometric technology in the present application includes:
301. the server receives the identity card information sent by the terminal;
302. the server determines that the authentication of the identity card information is passed;
303. The server acquires the associated ID card head portrait information according to the ID card information;
304. the server receives face image information sent by the terminal;
305. The server determines that the similarity generated by comparing the identity card head portrait information with the face image information is greater than or equal to a preset threshold value;
the server compares the face image information acquired and sent by the terminal with the head portrait information of the identity card, and when the similarity generated by comparison is greater than or equal to a preset threshold value, the server determines that the user currently handling the service is the user displayed on the identity card, and the head portrait verification of the identity card is passed.
In this embodiment, the face image information and the identification card head portrait information are preferentially compared, so that whether the user handling the service is the identification card self is preliminarily determined according to the similarity generated by the comparison, and when the similarity is greater than or equal to the similarity, the server determines that the user is the identification card self, so that the following step 306 is performed, the process of handling the service can be simplified by acquiring the second biological characteristics of the user through the terminal, and the efficiency of handling the service is improved.
306. The server acquires at least one piece of associated first biological characteristic information according to the identity card information;
307. the server receives at least one piece of second biological characteristic information sent by the terminal;
308. if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal;
309. The server updates the first biological characteristic information according to the second biological characteristic information in a covering mode;
310. the server receives at least one third biological characteristic message sent by the terminal;
311. the server updates the first biological characteristic information according to the third biological characteristic information;
312. the server sends a signature instruction to the terminal, wherein the signature instruction is used for enabling the terminal to be in an electronic signature service state;
313. the server stores the signature information sent by the terminal;
314. the server transacts the service requested by the terminal;
The above embodiments describe the server-side method in the present application in detail, and the terminal-side method in the present application will be described below with reference to the accompanying drawings. Referring to fig. 3, another method for transaction based on biometric technology in the present application includes:
401. the terminal acquires identity card information;
402. the terminal sends the identity card information to a server, so that the server determines that the identity card information passes verification, and acquires associated at least one first biological characteristic information according to the identity card information;
403. the terminal acquires at least one second biological characteristic information;
404. the terminal sends the second biological characteristic information to the server;
405. the terminal sends a service handling request to the server, wherein the service handling request is sent when the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset value;
In the application, a terminal acquires identity card information, sends the identity card information to a server so that the server determines that the identity card information passes verification, acquires associated at least one first biological characteristic information according to the identity card information, acquires at least one second biological characteristic information, sends the second biological characteristic information to the server, and sends a service handling request to the server, wherein the service handling request is a request sent when the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset value. According to the method, the second biological characteristic information can be uploaded to the server through the terminal, the second biological characteristic information is compared with the first biological characteristic information stored in the server in advance, the identity of the user needing to handle the business can be confirmed through the generated similarity, the business handling service is provided for the user, the user does not need to arrive at a determined physical website to conduct business authentication and handling, the method can be applied to remote business handling of the user, convenience is brought to the user in business handling, and the business efficiency is improved.
The above embodiments illustrate the method at the terminal side in the present application, and the method at the terminal-server side in the present application will be described below with reference to the accompanying drawings. Referring to fig. 5, another method for transaction based on biometric technology in the present application includes:
501. the terminal acquires identity card information;
502. the server receives the identity card information sent by the terminal;
503. the server determines that the authentication of the identity card information is passed;
504. the server acquires at least one piece of associated first biological characteristic information according to the identity card information;
505. the terminal acquires at least one second biological characteristic information;
506. the server receives at least one piece of second biological characteristic information sent by the terminal;
507. if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal;
508. the server transacts the service requested by the terminal;
steps 501 and 505 in this embodiment are similar to steps 401 and 404 in the embodiment shown in fig. 4, and steps 502 to 504 and steps 506 to 508 are similar to steps 101 to 106 in the embodiment shown in fig. 1, and are not repeated here.
The foregoing embodiments illustrate the method for business transaction based on biometric technology provided in the present application, and the related apparatuses provided in the present application will be described below with reference to the accompanying drawings.
Referring to fig. 6, fig. 6 is a schematic diagram of an embodiment of a server in the present application, the apparatus includes:
a first receiving unit 601, configured to receive identity card information sent by a terminal;
a first determining unit 602, configured to determine that verification of the identity card information passes;
a first obtaining unit 603, configured to obtain, according to the identity card information, associated at least one first biometric feature information;
a second receiving unit 604, configured to receive at least one second biometric information sent by the terminal;
a third receiving unit 605, configured to receive a service transaction request sent by the terminal if a similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset threshold;
a transaction unit 606, configured to transact the service requested by the terminal.
In the device of this embodiment, the functions of each unit correspond to the steps in the method embodiment shown in fig. 1, and are not described herein again.
In this application, a first receiving unit 601 receives identity card information sent by a terminal, a first determining unit 602 determines that the identity card information passes verification, a first obtaining unit 603 obtains at least one first biometric feature information associated with the identity card information according to the identity card information, a second receiving unit 604 receives at least one second biometric feature information sent by the terminal, if the similarity generated by comparing the first biometric feature information with the second biometric feature information is greater than or equal to a preset threshold, a third receiving unit 605 receives a service transaction request sent by the terminal, and a transaction unit 606 handles a service requested by the terminal. According to the method, the second biological characteristic information can be uploaded to the server through the terminal and compared with the first biological characteristic information stored in the server in advance, so that the identity of the user needing to handle the business can be confirmed, the business handling service is provided for the user, the user does not need to arrive at a determined physical website to perform authentication and handling of the business, the method can be applied to remote business handling of the user, convenience is provided for the user to handle the business, and the business efficiency is improved.
Referring to fig. 7, fig. 7 is a schematic diagram of another embodiment of a server in the present application, where the apparatus includes:
a first receiving unit 701, configured to receive identity card information sent by a terminal;
a first determining unit 702, configured to determine that the authentication of the identity card information passes;
a first obtaining unit 703, configured to obtain, according to the identity card information, associated at least one first biometric feature information;
a second receiving unit 704, configured to receive at least one second biometric information sent by the terminal;
a third receiving unit 705, configured to receive a service transaction request sent by the terminal if a similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset threshold;
a transaction unit 706, configured to transact the service requested by the terminal.
Optionally, the server further comprises:
a second obtaining unit 707 configured to obtain associated identification card avatar information according to the identification card information;
a fourth receiving unit 708, configured to receive the face image information sent by the terminal;
a third receiving unit 705, configured to receive a service handling request sent by the terminal if a similarity is greater than or equal to a preset threshold, where the similarity is generated by comparing the second biometric information with the first biometric information and comparing the identification card avatar information with the face image information.
Optionally, the server further comprises:
a first updating unit 709, configured to update the first biometric information according to the second biometric information.
Optionally, the server further comprises:
a fifth receiving unit 710, configured to receive at least one third piece of biometric information sent by the terminal;
a second updating unit 711, configured to update the first biometric information according to the third biometric information.
Optionally, the server further comprises:
a sending unit 712, configured to send a signature instruction to the terminal, where the signature instruction is used to enable the terminal to be in an electronic signature service state;
a storage unit 713, configured to store signature information sent by the terminal.
In the device of this embodiment, the functions of each unit correspond to the steps in the method embodiment shown in fig. 2, and are not described herein again.
Referring to fig. 8, fig. 8 is a schematic diagram of another embodiment of a server in the present application, the apparatus includes:
a first receiving unit 801, configured to receive identity card information sent by a terminal;
a first determining unit 802, configured to determine that verification of the identity card information passes;
a first obtaining unit 803, configured to obtain, according to the identity card information, associated at least one first biometric feature information;
a second receiving unit 804, configured to receive at least one second biometric information sent by the terminal;
a third receiving unit 805, configured to receive a service transaction request sent by the terminal if a similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset threshold;
a transaction unit 806, configured to transact the service requested by the terminal.
Optionally, the server further comprises:
a second obtaining unit 807, configured to obtain associated id card head portrait information according to the id card information;
a fourth receiving unit 808, configured to receive face image information sent by the terminal;
the second determining unit 809 is configured to determine that the similarity generated by comparing the identification card avatar information with the face image information is greater than or equal to a preset threshold.
Optionally, the server further comprises:
a first updating unit 810, configured to update the first biometric information according to the second biometric information.
Optionally, the server further comprises:
a fifth receiving unit 811, configured to receive at least one third biometric information sent by the terminal;
a second updating unit 812, configured to update the first biometric information according to the third biometric information.
Optionally, the server further comprises:
a sending unit 813, configured to send a signature instruction to the terminal, where the signature instruction is used to enable the terminal to be in an electronic signature service state;
a storage unit 814, configured to store the signature information sent by the terminal.
In the device of this embodiment, the functions of each unit correspond to the steps in the method embodiment shown in fig. 3, and are not described herein again.
Referring to fig. 9, fig. 9 is a schematic diagram of an embodiment of a terminal in the present application, where the apparatus includes:
a first obtaining unit 901, configured to obtain identity card information;
a first sending unit 902, configured to send the identity card information to a server, so that the server determines that the identity card information passes verification, and obtains associated at least one first biometric information according to the identity card information;
a second acquiring unit 903 for acquiring at least one second biometric information;
a second sending unit 904, configured to send the second biometric information to the server;
a third sending unit 905, configured to send a service transaction request to the server, where the service transaction request is sent when the similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset value.
In the device of this embodiment, the functions of each unit correspond to the steps in the method embodiment shown in fig. 4, and are not described herein again.
In this application, a first obtaining unit 901 obtains identity card information, a first sending unit 902 sends the identity card information to a server, so that the server determines that the identity card information passes verification and obtains associated at least one first biometric information according to the identity card information, a second obtaining unit 903 obtains at least one second biometric information, a second sending unit 904 sends the second biometric information to the server, and a third sending unit 905 sends a service transaction request to the server, where the service transaction request is a request sent when the similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset value. According to the method, the second biological characteristic information can be uploaded to the server through the terminal, the second biological characteristic information is compared with the first biological characteristic information stored in the server in advance, the identity of the user needing to handle the business can be confirmed through the generated similarity, the business handling service is provided for the user, the user does not need to arrive at a determined physical website to conduct business authentication and handling, the method can be applied to remote business handling of the user, convenience is brought to the user in business handling, and the business efficiency is improved.
The application also provides a device for business transaction based on the biological characteristic technology, which comprises:
referring to fig. 10, the present application provides a device for transaction based on biometric technology, including: a central processing unit 1002, a memory 1001, an input/output interface 1003, a wired or wireless network interface 1004, and a power supply 1005;
the cpu 1002 is configured to communicate with the memory 1001 and execute the instructions in the memory 1001 to perform the steps in the embodiments shown in fig. 1-5.
The present application also provides a computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform the steps of the aforementioned embodiments of fig. 1-5.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to 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 the like.
Claims (10)
1. A business handling method based on a biological feature technology is characterized by comprising the following steps:
the server receives the identity card information sent by the terminal;
the server determines that the authentication of the identity card information is passed;
the server acquires at least one piece of associated first biological characteristic information according to the identity card information;
the server receives at least one piece of second biological characteristic information sent by the terminal;
if the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal;
and the server transacts the service requested by the terminal.
2. The method according to claim 1, wherein after the server receives the at least one second biometric information transmitted from the terminal, the method further comprises:
the server acquires the associated ID card head portrait information according to the ID card information;
the server receives face image information sent by the terminal;
if the similarity between the second biological characteristic information and the first biological characteristic information is greater than or equal to a preset threshold, the step of receiving, by the server, the service transaction request sent by the terminal includes:
and if the similarity is greater than or equal to a preset threshold value, the server receives a service handling request sent by the terminal, wherein the similarity is generated by comparing the second biological characteristic information with the first biological characteristic information and comparing the identity card head portrait information with the face image information.
3. The method of claim 1, wherein before the server obtains the associated at least one first biometric information according to the identification card information, the method further comprises:
the server acquires the associated ID card head portrait information according to the ID card information;
the server receives face image information sent by the terminal;
and the server determines that the similarity generated by comparing the identity card head portrait information with the face image information is greater than or equal to a preset threshold value.
4. The method of claim 1, wherein after the server receives the service transaction request sent by the terminal, the method further comprises:
and the server updates the first biological characteristic information according to the second biological characteristic information in a covering mode.
5. The method of claim 1, wherein after the server receives the service transaction request sent by the terminal, the method further comprises:
the server receives at least one third biological characteristic message sent by the terminal;
and the server updates the first biological characteristic information according to the third biological characteristic information.
6. The method according to any of claims 1 to 5, wherein before the server transacts the service requested by the terminal, the method further comprises:
the server sends a signature instruction to the terminal, wherein the signature instruction is used for enabling the terminal to be in an electronic signature service state;
and the server stores the signature information sent by the terminal.
7. A business handling method based on a biological feature technology is characterized by comprising the following steps:
the terminal acquires identity card information;
the terminal sends the identity card information to a server, so that the server determines that the identity card information passes verification, and acquires associated at least one first biological characteristic information according to the identity card information;
the terminal acquires at least one second biological characteristic information;
the terminal sends the second biological characteristic information to the server;
and the terminal sends a service handling request to the server, wherein the service handling request is sent when the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset value.
8. A server, comprising:
the first receiving unit is used for receiving the identity card information sent by the terminal;
the first determining unit is used for determining that the authentication of the identity card information passes;
the first acquisition unit is used for acquiring at least one piece of associated first biological characteristic information according to the identity card information;
the second receiving unit is used for receiving at least one piece of second biological characteristic information sent by the terminal;
a third receiving unit, configured to receive a service transaction request sent by the terminal if a similarity generated by comparing the second biometric information with the first biometric information is greater than or equal to a preset threshold;
and the transaction unit is used for transacting the service requested by the terminal.
9. A terminal, comprising:
the first acquisition unit is used for acquiring the identity card information;
the first sending unit is used for sending the identity card information to a server so that the server can determine that the identity card information passes verification and obtain at least one piece of associated first biological characteristic information according to the identity card information;
a second acquisition unit configured to acquire at least one second biometric information;
a second transmitting unit configured to transmit the second biometric information to the server;
and the third sending unit is used for sending a service handling request to the server, wherein the service handling request is sent when the similarity generated by comparing the second biological characteristic information with the first biological characteristic information is greater than or equal to a preset value.
10. A device for transaction based on biometric technology, comprising:
the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;
the memory is a transient memory or a persistent memory;
the central processor is configured to communicate with the memory and execute the operations of the instructions in the memory to perform the method of any of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110865302.5A CN113742685A (en) | 2021-07-29 | 2021-07-29 | Business handling method based on biological characteristic technology and related device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110865302.5A CN113742685A (en) | 2021-07-29 | 2021-07-29 | Business handling method based on biological characteristic technology and related device |
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| Publication Number | Publication Date |
|---|---|
| CN113742685A true CN113742685A (en) | 2021-12-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110865302.5A Withdrawn CN113742685A (en) | 2021-07-29 | 2021-07-29 | Business handling method based on biological characteristic technology and related device |
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| Country | Link |
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| CN (1) | CN113742685A (en) |
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2021
- 2021-07-29 CN CN202110865302.5A patent/CN113742685A/en not_active Withdrawn
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