CN202995914U - Payment device and system based on image and audio information - Google Patents
Payment device and system based on image and audio information Download PDFInfo
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- CN202995914U CN202995914U CN 201220331332 CN201220331332U CN202995914U CN 202995914 U CN202995914 U CN 202995914U CN 201220331332 CN201220331332 CN 201220331332 CN 201220331332 U CN201220331332 U CN 201220331332U CN 202995914 U CN202995914 U CN 202995914U
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Abstract
The utility model discloses a payment device based on image and audio information. The payment device based on image and audio information comprises an audio recording device, an image display device and a communication device, wherein the communication device sends the audio information recorded by the audio recording device to a background system, and sends an image sent by the background system to the image display device. By using the payment device and system based on image and audio information of the utility model, a card holder does not need to carry an entity bank card and does not need the identity authentication information, such as memory passwords, precontract codes, etc., and the payment convenience is improved. Moreover, a system authentication and artificial identification combined double authentication mode also enables the transaction security to be guaranteed.
Description
Technical field
The utility model relates to the secure payment technology, the cashier terminal equipment of related in particular to the reinforcement used in payment process convenience and security.
Background technology
Generally, the on-site payment of transaction always needs the holder that entity bank's card or input authentication information are provided, and comprises such as password, reservation code etc.Swiping the card payment in a conventional manner is for example, and the holder carries out on-site payment need to carry the entity card, by swipe the card, input payment cipher, this series of steps of signing completes transaction.For the credit card that there is no password, also need to provide the entity card, just can omit the step of Password Input.
The development of ecommerce has in recent years driven the development of some novelty modes of payments.For example the mobile phone reservation is without the card payment.In this modes of payments, although the holder need not to carry the entity card, but need to preengage by mobile phone in advance a series of authentication information such as input handset number, bank card password, reservation code in payment process.
For the holder, the participation process of these payment modes is relatively loaded down with trivial details, and leave behind card, forget Password etc. all may cause transaction to complete, and exists simultaneously card to lose, password leakage equivalent risk hidden danger.
Therefore, people's more convenient, safer payment technology that always waits in expectation.
Summary of the invention
For the problems referred to above, the utility model discloses a kind of payment devices based on image and audio-frequency information, comprise: the audio frequency input device, image display device, and communicator, its audio-frequency information with the typing of described audio frequency input device institute sends to background system, and the image that described background system is sent sends described image display device to.
According to an aspect of the present utility model, above-mentioned audio-frequency information is voiceprint.
According to an aspect of the present utility model, above-mentioned image is the disburser's that prestores face-image.
According to an aspect of the present utility model, described communicator is the I/O communication device.
According to an aspect of the present utility model, described payment devices based on image and audio-frequency information also comprises encryption device and decryption device, described encryption device is between described audio frequency input device and described communicator, described audio-frequency information is encrypted, and described decryption device is between described communicator and described image display device, and the image of the encryption that described background system is sent is decrypted.
The utility model discloses a kind of payment system based on image and audio-frequency information, comprise background system and payment devices, described background system pre-stored image and audio-frequency information, described payment devices comprises: the audio frequency input device, image display device, and communicator, its audio-frequency information with the typing of described audio frequency input device institute sends to described background system, and the image that described background system is sent sends described image display device to.
According to an aspect of the present utility model, described audio-frequency information is voiceprint.
According to an aspect of the present utility model, described image is the disburser's that prestores face-image.
According to an aspect of the present utility model, described communicator is the I/O communication device.
According to an aspect of the present utility model, the described payment devices of described payment system based on image and audio-frequency information also comprises encryption device and decryption device, described encryption device is between described audio frequency input device and described communicator, described audio-frequency information is encrypted, and described decryption device is between described communicator and described image display device, and the image of the encryption that described background system is sent is decrypted.
By using the utility model, the holder need not to carry entity bank card, need not the authentication information such as memory cipher, reservation code, has improved the convenience of payment.And the mode that system verification combines with artificial cognition has also guaranteed the security of transaction.
Description of drawings
By reading following detailed description, and with reference to accompanying drawing, can there be one more fully to understand to the utility model.In accompanying drawing:
Fig. 1 shows the structural drawing according to the payment system of an embodiment of the present utility model;
Fig. 2 shows the structural drawing according to the payment system of another embodiment of the present utility model;
Fig. 3 shows according to service fulfillment link of the present utility model;
Fig. 4 shows according to on-site payment link of the present utility model.
Embodiment
Illustrate unless separately add, as from also cognoscible following discussion, this instructions in the whole text in, utilize such as " transmission ", " encryption ", " deciphering " the discussion of term to represent to use action or the process of the particular device such as computing machine or similar computing electronics.In the context of the present specification, computing machine or similar computing electronics can be handled or figure signal.These signals are typically expressed as physical electronic or the quantity of magnetism in storer, register or out of Memory memory storage, transmitting device or the display device of computing machine or similar computing electronics.For example, computing electronics can comprise the one or more processor of carrying out one or more specific functions.
As shown in Figure 1, according to an embodiment of the present utility model, payment devices 100 comprises audio frequency input device 101, image display device 102 and communicator 103.Audio frequency input device 101 is used for typing disburser's sound.Then communicator 103 sends to background system 110 with this audio-frequency information.Prestore in advance in background system 110 disburser's reference audio information, the live audio information that when the reference audio information that this can be prestored and disburser carry out actual delivery, payment devices 100 is sent compares, and draws the conclusion of both whether mating.
As an example, background system 110 is in the situation that to judge be both coupling, and the disburser's that prestores in advance reference picture is sent to payment devices 100.Communicator 103 in payment devices 100 passes to image display device 102 with this reference picture.In this configuration, show in image display device 102 that image just shows that background system 110 confirmed this disburser with regard to audio-frequency information, and the operator of payment devices 100 can observe the disburser, thereby confirms further whether the disburser is consistent with the image that prestores on image.On the contrary, if background system 110 does not mate judging the live audio information that the reference audio information that prestores and payment devices 100 send, background system 110 will directly be refused to pay.In this case, the operator of payment devices 100 can learn that current disburser's identity is suspicious.
As another example, at first whether background system 110 judged both and mated, and then the reference picture with judged result and the disburser that prestores in advance sends to payment devices 100 together.The information that communicator 103 in payment devices 100 sends background system 110 passes to image display device 102.Not only show reference picture in image display device 102, also show simultaneously the judged result whether reference audio information and live audio information mate.In this case, the operator of payment devices 100 estimates disburser's image and the match condition of reference picture, then does final judgement in conjunction with the matching result of audio frequency with regard to disburser's identity.
The audio-frequency information here can be voiceprint, and disburser's image can be face-image.Communicator can be the I/O communication device.
As shown in Figure 2, according to an embodiment of the present utility model, payment devices 200 comprises audio frequency input device 201, image display device 202, communicator 203, encryption device 204 and decryption device 205.Audio frequency input device 201 is used for typing disburser's sound.Then 204 pairs of these audio-frequency informations of encryption device are encrypted.Communicator 203 sends to background system 210 with this audio-frequency information.The deciphering of the audio-frequency information of 210 pairs of encryptions of background system, and the live audio information after the reference audio information that prestores and deciphering is compared, draw the conclusion of both whether mating.
As an example, background system 210 sends to payment devices 200 in the situation that to judge be both coupling after the disburser's that prestores in advance reference picture is encrypted.Communicator 203 in payment devices 200 first sends to decryption device 205 with this reference picture, and the reference picture after then deciphering sends to image display device 202.In this configuration, show in image display device 202 that image just shows that background system 210 confirmed this disburser with regard to audio-frequency information, and the operator of payment devices 200 can observe the disburser, thereby confirms further whether the disburser is consistent with the image that prestores on image.On the contrary, if background system 210 does not mate judging the live audio information that the reference audio information that prestores and payment devices 200 send, background system 210 will directly be refused to pay.In this case, the operator of payment devices 200 can learn that current disburser's identity is suspicious.
As another example, at first whether background system 210 judged both and mated, and sends to payment devices 200 after then judged result and the disburser's that prestores in advance reference picture being encrypted together.The information that communicator 203 in payment devices 200 sends background system 210 sends to image display device 202 after passing to decryption device 205 deciphering.Not only show reference picture in image display device 202, also show simultaneously the judged result whether reference audio information and live audio information mate.In this case, the operator of payment devices 200 estimates disburser's image and the match condition of reference picture, then does final judgement in conjunction with the matching result of audio frequency with regard to disburser's identity.
The audio-frequency information here can be voiceprint, and disburser's image can be face-image.Communicator can be the I/O communication device.
As shown in Figure 3, in the service fulfillment stage, at first the holder enters into a written agreement, bank's card number, the phone number of binding are provided, by its sound of audio frequency recording device typing, for example, the holder reads aloud the audio-frequency information of own phone number, and retain enough clear and can be used in the recent photograph of the own face of checking.Background system is bound retention with bank card number, phone number, audio frequency, image.In addition, in the service fulfillment link, can provide personalized customization to select for the holder.Such as, can be chosen in the cashier, namely the operator of payment devices thinks and can't accurately carry out giving identity validation by clawback phone number mode in the situation of facial image judgement; Perhaps can't accurately carry out the facial image judgement in the situation that the cashier thinks, just refuse this kind modes of payments.
Fig. 4 shows the on-site payment link.At first, the holder confirms payment in the on-the-spot free choice of goods of trade company or service.Then, the cashier points out the holder to use the audio frequency recording device to say the phone number of binding.The holder must complete the typing of sound under cashier's supervision, this can prevent from utilizing sound pick-up outfit to carry out identity pretending to be.Then, the audio-frequency information that background system is retained during to audio-frequency information and service fulfillment is compared, if correct, accesses everybody the face picture that holds of reservation by information such as phone numbers, returns to the cashier terminal.At this moment, the cashier carries out manpower comparing pair according to the facial image that returns and the current user who is concluding the business, if confirm continuous business; As not confirming, carry out subsequent treatment according to the individual requirement of service fulfillment link holder customization.At last, transmission note in backstage is confirmed to holder's mobile phone.
Scheme described here can according to special characteristic or example is at least part of realizes by variety of way according to using.For example, this method can realize by hardware, firmware, software or their any combination.In hardware is realized, for example, device can be at one or more special IC (ASICs), digital signal processor (DSPs), digital signal processing device (DSPDs), programmable logic device (PLD) (PLDs), field programmable gate array (FPGAs), processor, controller, microcontroller, microprocessor, electronic installation or is designed to carry out such as realizing in other device unit of function described here or their any combination.
Equally, in certain embodiments, method can adopt the module of carrying out function described here or their any combination to realize.For example, any machine readable media of visibly specializing instruction can use in realizing these class methods.In one embodiment, for example, software or code can be stored in storer and by processing unit and move.Storer can be in processing unit and/or the processing unit outside realize.Long-term, the short-term of any type of the term that uses here " storer " expression, volatibility, non-volatile or other storer, and be not limited to any particular type or the quantity of storer or the type of storage medium of storer.
Storage medium can comprise any usable medium that can be visited by computing machine, computing platform, calculation element etc.As an example rather than the restriction, computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic memory apparatus, perhaps can be used for carrying or store the program code of the expectation of taking instruction or data structure form and other any medium that can be visited by computing machine, computing platform or calculation element.
Although introduced preferred embodiment of the present utility model and device in the detailed description of accompanying drawing and front, but should be understood that, the utility model is not limited to the embodiment of concrete announcement, under the prerequisite of the scope that does not depart from the claim regulation, still multiple modification and distortion can be arranged.
Claims (10)
1. payment devices based on image and audio-frequency information comprises:
The audio frequency input device,
Image display device, and
Communicator, its audio-frequency information with the typing of described audio frequency input device institute sends to background system, and the image that described background system is sent sends described image display device to.
2. the payment devices based on image and audio-frequency information as claimed in claim 1, wherein said audio-frequency information is voiceprint.
3. the payment devices based on image and audio-frequency information as claimed in claim 1, wherein said image are the disburser's that prestores face-image.
4. the payment devices based on image and audio-frequency information as claimed in claim 1, wherein said communicator is the I/O communication device.
5. the payment devices based on image and audio-frequency information as claimed in claim 1, also comprise encryption device and decryption device, described encryption device is between described audio frequency input device and described communicator, described audio-frequency information is encrypted, and described decryption device is between described communicator and described image display device, and the image of the encryption that described background system is sent is decrypted.
6. the payment system based on image and audio-frequency information, comprise background system and payment devices, described background system pre-stored image and audio-frequency information, and described payment devices comprises:
The audio frequency input device,
Image display device, and
Communicator, its audio-frequency information with the typing of described audio frequency input device institute sends to described background system, and the image that described background system is sent sends described image display device to.
7. the payment system based on image and audio-frequency information as claimed in claim 6, wherein said audio-frequency information is voiceprint.
8. the payment system based on image and audio-frequency information as claimed in claim 6, wherein said image are the disburser's that prestores face-image.
9. the payment system based on image and audio-frequency information as claimed in claim 6, wherein said communicator is the I/O communication device.
10. the payment system based on image and audio-frequency information as claimed in claim 6, described payment devices also comprises encryption device and decryption device, described encryption device is between described audio frequency input device and described communicator, described audio-frequency information is encrypted, and described decryption device is between described communicator and described image display device, and the image of the encryption that described background system is sent is decrypted.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220331332 CN202995914U (en) | 2012-07-10 | 2012-07-10 | Payment device and system based on image and audio information |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220331332 CN202995914U (en) | 2012-07-10 | 2012-07-10 | Payment device and system based on image and audio information |
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| CN202995914U true CN202995914U (en) | 2013-06-12 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN 201220331332 Expired - Lifetime CN202995914U (en) | 2012-07-10 | 2012-07-10 | Payment device and system based on image and audio information |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103353973A (en) * | 2013-06-17 | 2013-10-16 | 上海方付通商务服务有限公司 | Banking transaction authentication method based on video verification, and banking transaction authentication system based on video verification |
| CN108053210A (en) * | 2017-11-20 | 2018-05-18 | 胡研 | A kind of shape of face method of payment, shape of face reserving method and traction equipment |
| CN110047184A (en) * | 2019-04-24 | 2019-07-23 | 厦门快商通信息咨询有限公司 | A kind of auth method and access control system of anti-recording attack |
| CN111178883A (en) * | 2019-12-16 | 2020-05-19 | 秒针信息技术有限公司 | Abnormality determination method and apparatus, storage medium, and electronic apparatus |
-
2012
- 2012-07-10 CN CN 201220331332 patent/CN202995914U/en not_active Expired - Lifetime
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103353973A (en) * | 2013-06-17 | 2013-10-16 | 上海方付通商务服务有限公司 | Banking transaction authentication method based on video verification, and banking transaction authentication system based on video verification |
| CN103353973B (en) * | 2013-06-17 | 2016-06-29 | 上海方付通商务服务有限公司 | Banking transaction authentication method and system based on audio authentication |
| CN108053210A (en) * | 2017-11-20 | 2018-05-18 | 胡研 | A kind of shape of face method of payment, shape of face reserving method and traction equipment |
| CN110047184A (en) * | 2019-04-24 | 2019-07-23 | 厦门快商通信息咨询有限公司 | A kind of auth method and access control system of anti-recording attack |
| CN111178883A (en) * | 2019-12-16 | 2020-05-19 | 秒针信息技术有限公司 | Abnormality determination method and apparatus, storage medium, and electronic apparatus |
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| Date | Code | Title | Description |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CX01 | Expiry of patent term | ||
| CX01 | Expiry of patent term |
Granted publication date: 20130612 |