TWI826769B - Data processing method and system based on user binding relationship, mobile terminal, backend system, computer readable media and computer equipment - Google Patents

Abstract

The present invention relates to a data processing method and system based on user binding relationships. The method includes: associating the primary user ID of the primary user with the biometric information of the secondary user and storing the user association between the two; opening pre-authorized transaction permissions for the secondary user; and obtaining the transaction occurrence object biometric information; obtain transaction-related data; and data processing steps, determine the user association, determine whether the biometric information of the object where the transaction occurs has a corresponding main user identifier in the user association, and If it is determined that there is a corresponding primary user identification, pre-authorization is performed to complete the transaction based on the transaction-related information and the primary user identification. According to the present invention, the payment function in which the main user is the subsidiary user can be realized based on the user binding relationship.

Description

Data processing method and system based on user binding relationship, mobile terminal, backend system, computer readable media and computer equipment

The present invention relates to computer technology, and specifically to a data processing method and data processing system based on user binding relationships, mobile terminals, backend systems, computer readable media and computer equipment.

Currently, the commonly used method in bus and subway gate crossing scenarios is that users obtain the QR code through their own smart terminals and scan the QR code to enter and exit the station. However, in the existing technology, users obtain the QR code through their own smart terminals, and only one person can scan the code to ride the subway. That is, each user needs to show his or her own bus code when entering the subway station, waiting to be recognized. Before entering the station, you need to show your bus code again when exiting the subway station. Once it is recognized, you can complete the payment and leave the station. In some special circumstances, for the sake of convenience, users may need to use their own smart terminals to pay for entry and exit for multiple companions, such as when relatives and friends come to visit or companions (elderly people, children over 130cm tall, etc.) do not have payment accounts.

In view of the above problems, the present invention aims to propose a data processing method and system based on user binding relationships that can realize payment on behalf of other users (affiliated users) who do not own mobile terminals.

A data processing method based on user binding relationships in one aspect of the present invention includes the following steps:

The binding step is to associate the primary user ID of the primary user with the biometric information of the secondary user and store the user association between the two;

The pre-authorization step is to activate pre-authorized transaction permission rights for the affiliated user;

The biometric acquisition step is to obtain the biometric information of the object where the transaction occurs;

Transaction information acquisition steps to obtain transaction-related information; and

The data processing step is to determine whether the biometric information has a corresponding primary user identifier in the user association relationship. If it is determined that there is a corresponding primary user identifier, process the biometric information according to the transaction-related data and the primary user identifier. User ID is used for pre-authorization to complete the transaction.

In one aspect of the present invention, a data processing method based on user binding relationships is implemented by a mobile terminal, an industry terminal and a backend system. The method includes the following steps:

The mobile terminal obtains the biometric information of the secondary user and the mobile terminal sends the primary user identification of the primary user and the biometric information of the secondary user to the backend system;

The backend system associates the primary user identification with the biometric information of the subsidiary user and stores the user association between the two, and the backend system activates pre-authorized transaction permissions for the subsidiary user;

The industry terminal obtains the biometric information of the object where the transaction occurs and sends the transaction-related data to the backend system; and

The backend system determines whether the biometric information of the object in which the transaction occurs has a corresponding primary user identification in the user association relationship. If it determines that there is a corresponding primary user identification, it determines whether there is a corresponding primary user identification based on the transaction-related information and the primary user identification. User ID is used for pre-authorization to complete the transaction.

A data processing method based on user binding relationships in one aspect of the present invention includes the following steps:

Acquisition step to obtain the biometric information of the affiliated user;

The requesting step is composed of sending a binding request to the outside based on the primary user identification of the primary user and the biometric information of the secondary user so that the primary user identification and the biometric information of the secondary user are associated. User affiliation and enabling permissions to be set for pre-authorized transactions for the affiliated user; and

The receiving step is to receive pre-authorized transaction result information from the outside, wherein the pre-authorized transaction result information indicates whether the acquired biometric information exists based on the user association relationship and determines whether there is a corresponding primary user identification and determines whether If it exists, pre-authorize the result of completing the transaction based on the transaction-related information and the main user identification.

A data processing method based on user binding relationships in one aspect of the present invention includes the following steps:

The data receiving step receives the primary user ID of the primary user and the biometric information of the secondary user;

The pre-authorization step is to associate the primary user ID with the biometric information of the secondary user and store the user association between the two, and activate pre-authorized transaction permissions for the secondary user; and

The data processing step is to receive the biometric information of the object where the transaction occurs and transaction-related data, determine whether the biometric information of the object where the transaction occurs has a corresponding primary user identification in the user association relationship, and determine whether there is a corresponding primary user identification. In the case of identification, pre-authorization is performed to complete the transaction based on the transaction-related information and the main user identification.

Optionally, in the pre-authorization step, additional conditions for the pre-authorization transaction permission are further set, and the additional conditions include one or more of the following: pre-authorization period, pre-authorization amount, and pre-authorization scenario.

Optionally, the main user account is any one of a mobile terminal identification, an application identification, and a payment account.

In some implementations, the data processing steps include: receiving the first biometric information of the transaction object and the first transaction-related data; and determining whether the first biometric information of the transaction object is in the user association relationship. Whether there is a corresponding primary user identification in the system, and if it is determined that there is a corresponding primary user identification, record the first transaction-related information and issue a first action instruction; receive the second biometric information of the object where the transaction occurs and the third 2. Transaction-related data; Determine whether the second biometric information of the object in which the transaction occurs has a corresponding main user identification in the user association relationship, and if it is determined that there is a corresponding main user identification, record the said second transaction-related information and issue a second action instruction; and perform pre-authorization to complete the transaction based on the first transaction-related information, the second transaction-related information and the main user identification.

In one aspect of the present invention, a data processing method based on user binding relationships is implemented by a mobile terminal, an industry terminal, an industry backend and a backend system. The method includes the following steps:

The mobile terminal obtains the biometric information of the secondary user and the mobile terminal sends the primary user identification and the biometric information of the secondary user to the backend system;

The backend system associates the primary user identification with the biometric information of the subsidiary user and stores the user association between the two, and the backend system activates pre-authorized transaction permissions for the subsidiary user;

The industry terminal obtains the biometric information of the transaction object and sends it to the backend system; and

The backend system determines whether the biometric information of the object where the transaction occurs has a corresponding primary user identification in the user association relationship and sends the judgment result to the industry backend;

When the judgment result is that there is a corresponding main user identification in the user association relationship, the industry backend records the transaction-related data and issues action instructions, and sends the transaction-related data to the backend system; and

The backend system performs pre-authorized transactions based on the transaction-related information and the primary user identification.

A data processing method based on user binding relationships in one aspect of the present invention includes the following steps:

The data receiving step receives the primary user identification and the biometric information of the secondary user;

The pre-authorization step is to associate the primary user ID with the biometric information of the secondary user and store the user association between the two, and activate pre-authorized transaction permissions for the secondary user; and

The data processing step is to receive the biometric information of the object where the transaction occurs and transaction-related data, determine whether the biometric information of the object where the transaction occurs has a corresponding primary user identifier in the user association relationship, and determine whether there is a corresponding primary user identification. In the case of identification, an action instruction is issued to perform pre-authorization to complete the transaction based on the transaction-related information and the main user identification.

In some implementations, the data processing step includes: receiving the first biometric information of the transaction object and the first transaction-related data, and determining whether the first biometric information of the transaction object is in the user association relationship. Whether there is a corresponding primary user identification in the system, and if it is determined that there is a corresponding primary user identification, record the first transaction-related data and issue a first action instruction; receive the second biometric information of the object where the transaction occurs and the second Transaction related data, determine whether the second biometric information of the transaction object has a corresponding main user identification in the user association relationship, and if it is determined that there is a corresponding main user identification, record the third 2. transaction-related information and issue a second action instruction; and perform pre-authorization to complete the transaction based on the first transaction-related information, the second transaction-related information, and the main user identification.

A data processing system based on user binding relationships in one aspect of the present invention includes:

The binding module is used to associate the main user ID with the biometric information of the subsidiary user and store the user association between the two;

The pre-authorization module is used to activate pre-authorized transaction permissions for the affiliated users;

The biometric acquisition module is used to acquire the biometric information of the transaction objects and transaction-related data; and

The data processing module is used to determine whether the biometric information of the object in which the transaction occurs has a corresponding main user identification based on the user association relationship. Relevant information and the primary user identification are used for pre-authorization to complete the transaction.

In some implementations, in the pre-authorization module, additional conditions for the pre-authorized transaction permission are further set, and the additional conditions include one or more of the following: pre-authorization period, pre-authorization amount, pre-authorization amount, etc. Authorization scenarios.

In some implementations, the primary user identity is any one of a mobile terminal identity, an application identity, and a payment account.

The mobile terminal in one aspect of the present invention includes:

Get the module to obtain the biometric information of the attached user;

The request module sends a binding request to an external system based on the primary user ID of the primary user and the biometric information of the secondary user so that the primary user ID and the biometric information of the secondary user are associated and constitute a user. Related relationships; and

The result receiving module receives pre-authorized transaction result information from the outside, wherein the pre-authorized transaction result information representation is based on the user association relationship to determine whether there is a corresponding primary user identification on the acquired biometric information and in If it is judged that it exists, the result of pre-authorization to complete the transaction is carried out according to the transaction-related information and the main user identification.

The backend system in one aspect of the present invention includes:

The data receiving module is used to receive the main user identification and the biometric information of the subsidiary users;

A database, configured to store the primary user identification and the biometric information of the secondary user in association with each other and store the user association relationship between the two;

Set up a module for activating pre-authorized transaction permissions for the affiliated user; and

The data processing module is used to receive the biometric information of the transaction object and transaction-related data, and determine whether the biometric information of the transaction object has a corresponding primary user identification in the user association stored in the database. If it is determined that a corresponding primary user identification exists, pre-authorization is performed to complete the transaction based on the transaction-related information and the primary user identification.

In some implementations, the setting module further sets additional conditions for the pre-authorized transaction permission, and the additional conditions include one or more of the following: pre-authorization period, pre-authorization amount, and pre-authorization scenario.

In some implementations, the data processing module performs the following actions: receiving the first biometric information of the transaction object and the first transaction-related data, and determining whether the first biometric information of the transaction object is used in the transaction. Whether there is a corresponding main user identification in the user association relationship, and if it is determined that there is a corresponding main user identification, record the first transaction-related data and issue a first action instruction; receive the second biometric characteristics of the object where the transaction occurs Information and second transaction-related data, determine whether the second biometric information of the transaction object has a corresponding primary user identification in the user association relationship, and if it is determined that there is a corresponding primary user identification, Record the second transaction-related information and issue a second action instruction; and perform pre-authorization to complete the transaction based on the first transaction-related information, the second transaction-related information, and the main user identification.

The backend system in one aspect of the present invention includes:

The data receiving module is used to receive the main user identification and the biometric information of the subsidiary users;

A database, configured to store the primary user identification and the biometric information of the secondary user in association with each other and store the user association relationship between the two;

Set up a module for activating pre-authorized transaction permissions for the affiliated user; and

The data processing module is used to receive the biometric information of the object where the transaction occurs, determine whether the biometric information of the transaction object has a corresponding primary user identification in the user association stored in the database, and determine whether there is a corresponding primary user identifier. In the case of a primary user identification, pre-authorization is performed to complete the transaction based on the received transaction-related information and the primary user identification.

In some implementations, the data processing module performs the following actions: receiving the first biometric information of the transaction object, and determining whether the first biometric information of the transaction object exists in the user association relationship. The corresponding main user identification, when it is determined that the corresponding main user identification exists, issues a first action instruction; receives the second biometric information of the transaction object, and determines that the second biometric information of the transaction object is in Whether there is a corresponding main user identification in the user association relationship, and if it is determined that there is a corresponding main user identification, issuing a second action instruction; and receiving transaction-related data and based on the transaction-related data and the The master user ID is used for pre-authorization to complete the transaction.

In one aspect of the present invention, a computer-readable medium has a computer program stored thereon, wherein when the computer program is executed by a processor, the data processing method based on user binding relationships described in any one of the above is implemented.

A computer device in one aspect of the present invention includes a storage module, a processor, and a computer program stored on the storage module and executable on the processor, wherein the processor implements any one of the above when executing the computer program. The data processing method based on user binding relationships described in the item.

As mentioned above, according to the data processing method and data processing system based on the user binding relationship of the present invention, the user binding relationship between the primary user and the secondary user can be used to enable the primary user to make payments on behalf of the secondary user. Subsidiary users do not need to have payment accounts or mobile terminals and other equipment, and only need to rely on biometric information (for example, face, fingerprint, iris, etc.) to realize the payment function on behalf of the main user. Moreover, the data processing method and data processing system based on user binding relationships of the present invention have a wide range of usage scenarios and are highly acceptable. For example, there is no need for companions to have payment accounts and no companions to operate smart terminals. It is especially suitable for attached users. For the elderly, children and other groups.

Moreover, according to the data processing method and data processing system based on user binding relationships of the present invention, the implementation method is relatively simple, and there is no need to enter various private information of the main account or subsidiary accounts or use the identity information of the public security system during binding. (such as names of fellow travelers, ID numbers, etc.), you only need to bind the biometric information of the subsidiary account to the main user's account and activate the pre-authorized transaction function. From this, through "pre-authorized transaction + biometric This combination of "identification technology" can enable the main user to pay on behalf of the affiliated user.

Furthermore, according to the data processing method and data processing system based on user binding relationships of the present invention, the subsidiary user does not need to be accompanied by the main user when making relevant consumption, such as taking the subway or entering a venue, etc., and only needs to Relying on biometric information (such as face, fingerprint, iris, etc.), the main user's payment function can be realized.

Furthermore, according to the data processing method and data processing system based on the user binding relationship of the present invention, when establishing the user binding relationship, payment password verification is required, and the authorized function can also be set to be valid once, and use Afterwards, the user association is immediately terminated, effectively solving potential security risks.

Described below are some of the various embodiments of the invention and are intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to limit the scope of the invention.

For brevity and explanatory purposes, the principles of the invention are described herein primarily with reference to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles can be equally applied to all types of data processing methods and data processing systems based on user binding relationships, and these same principles can be implemented therein, and Any such changes do not depart from the true spirit and scope of this patent application.

Furthermore, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes may be made in these embodiments without departing from the spirit and scope of the invention. Furthermore, although features of the invention are disclosed in connection with only one of several implementations/embodiments, such features may be combined with other implementations as may be desirable and/or advantageous for any given or identifiable function. / combined with one or more other features of the embodiments. Accordingly, the following description is not to be taken in a limiting sense, and the scope of the invention is defined by the appended claims and their equivalents.

Words such as "having" and "comprising" mean that in addition to having units (modules) and modules that are directly and clearly stated in the description and claims, the technical solution of the present invention does not exclude having units (modules) that are not directly or explicitly stated in the claims. Explicitly stated situations for other units (modules) and modules.

First, an overview of the data processing method and data processing system based on user binding relationships of the present invention will be described.

In the following description, the data processing method and data processing system based on user binding relationships are mainly explained by taking the subway scene as an example. Of course, the present invention is not limited to the subway scene, and can also be applied to various other scenes. , for example, it can be applied to charging scenarios for buses, ships, maglevs, etc. There are also charges for users to enter venues, charges for users to use equipment, etc. I will not list them one by one here. As long as the user binding relationship is used to realize the proxy The payment solutions all fall within the scope of the data processing method and data processing system based on user binding relationships applied for by the present invention.

First, the technical concepts of the data processing method based on user binding relationships and the data processing system based on user binding relationships of the present invention will be described. On the one hand, the object of the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention is to bind the subsidiary user and the main user so that the generated data of the subsidiary user can be Relevant transaction data are settled by the payment account corresponding to the main user.

FIG. 1 is a schematic flow chart showing a data processing method based on user binding relationships according to one aspect of the present invention.

As shown in Figure 1, a data processing method based on user binding relationships in one aspect of the present invention includes the following steps:

Binding step S100: Associate the primary user identification with the biometric information of the subsidiary user that needs to be bound to the primary user and store the user association between the two. The biometric information can be, for example, a face or a fingerprint. , iris, etc. To simplify the explanation, the following mainly uses the human face as an example;

Pre-authorization step S200: Activate pre-authorization transaction permission rights for the affiliated user;

Biometric acquisition step S300: Obtain the biometric information of the transaction object (for example, the affiliated user who will generate relevant transaction data);

Transaction data acquisition step S400: obtain transaction-related data; and

Data processing step S500: Based on the user association relationship, determine whether the biometric information of the transaction object has a corresponding main user identification. If it is determined that there is a corresponding main user identification, according to the main user identification identification and the transaction-related information for pre-authorization to complete the transaction.

In the pre-authorization step S200, additional conditions for the pre-authorization transaction permission are further set. For example, the additional conditions include: pre-authorization period, pre-authorization amount, pre-authorization scenarios, etc. For example, you can set the pre-authorization to be valid for one time, or set the validity period of the pre-authorization to one day or one week, etc., or set the maximum amount of pre-authorization, or set the scenarios in which the pre-authorization is only valid.

Wherein, the main user identification may be a mobile terminal identification, an application identification, a payment account, etc., and any identification that can uniquely identify the main user and can correspond to the main user account can be used as the main user identification. For example, when the main user identification is a mobile terminal identification, in the data processing step, pre-authorization is performed to complete the transaction based on the payment account corresponding to the mobile terminal identification. When the primary user identifier is an application identifier, in the data processing step, pre-authorization is performed to complete the transaction based on the payment account corresponding to the application identifier. When the primary user identifier is an application identifier, in the data processing step, pre-authorization is performed to complete the transaction based on the payment account bound to the application identifier.

Among them, the biometric acquisition step S300 and the transaction data acquisition step S400 are divided into two steps for description here. As a variation, they can also be implemented in the same step. Therefore, in the present invention, as long as the biometric information and transaction-related information can be acquired, The data is sufficient, and there is no need to distinguish whether it was obtained in the same step.

FIG. 2 is a schematic block diagram of a data processing system based on user binding relationships according to one aspect of the present invention.

As shown in Figure 2, a data processing system 10 based on user binding relationships according to one aspect of the present invention includes:

The binding module 11 is used to associate the primary user identification of the primary user with the biometric information of the subsidiary user and store the user association between the two;

The pre-authorization module 12 is used to activate pre-authorized transaction permission rights for the affiliated users;

Biometric acquisition module 13, used to acquire biometric information of objects where transactions occur;

Transaction data acquisition module 14, the user obtains transaction-related data; and

The data processing module 15 is used to determine whether the biometric information of the transaction object has a corresponding main user identification based on the user association relationship. If it is determined that there is a corresponding main user identification, perform the Transaction-related information and the primary user identification are used for pre-authorization to complete the transaction.

Among them, in the pre-authorization module 12, additional conditions for the pre-authorization transaction permission are further set, and the additional conditions include one or more of the following: pre-authorization period, pre-authorization amount, and pre-authorization scenario.

Wherein, the main user identification may be any one of a mobile terminal identification, an application identification, a payment account, etc.

In this way, according to the data processing method and system based on user binding relationships in one aspect of the present invention, the biometric information (such as face, fingerprint, iris, etc.) of the subsidiary user is bound to the main user identification. It is stipulated that pre-authorized permissions are given to affiliated users. When the affiliated users generate transaction-related fees, the payment account corresponding to the main user's ID can settle the transaction-related data generated by the affiliated users.

As an application scenario, for example, the data processing method based on user binding relationships in one aspect of the present invention is applied to the scene of subway entry. By combining pre-authorized transactions and biometric recognition (such as face recognition), it can support attachments. Users (such as fellow travelers) purchase subway tickets on their behalf, which enables the main user to use his or her own smart terminal to pay for subordinate users (such as fellow travelers) who do not have a payment account. The entire process does not require additional users (such as fellow travelers). personnel) who use smart terminals to participate, they can correctly identify the attached users (such as fellow travelers) when riding in the bus, and complete the corresponding pre-authorization to complete the transaction, which can effectively ensure the identity correspondence of the passengers.

Next, an example of a scenario in which the data processing method based on user binding relationships and the data processing system based on user binding relationships of the present invention are specifically applied to subway ticket purchasing will be described.

First embodiment

The data processing method based on the user binding relationship in the first embodiment mainly consists of the main user's mobile terminal, the subway gate (equivalent to the "industry terminal" in the request item), and the subway backend (equivalent to the "industry terminal" in the request item). "Backend") and backend system implementation.

The data processing method based on user binding relationships in the first embodiment may roughly include the following processes:

When the primary user initiates ticket purchase for an affiliated user, the primary user's mobile terminal prompts the primary user to enter the payment password to complete the account verification. After the primary user enters the payment password on the mobile terminal, the account information and payment password are sent. Go to the backend system, which verifies the received account information and payment password (this step is used to confirm the identity of the main user, and its function is to improve security. Of course, this step can also be omitted).

After the background system verification is passed, the main user collects the facial biometric information of the subsidiary users (such as companions and ticket purchasers) through his own mobile terminal. The mobile terminal will obtain the facial biometric information of the subsidiary user together with the main user's facial biometric information. The user identification (such as ride-hailing APP account information) is sent to the backend system together. The backend system associates the main user identification with the facial biometric information of the subsidiary user and stores the user association between the two, and will use The patient association and facial biometric information are stored in the database;

After recording the user relationship and the facial biometric information of the affiliated user, the backend system activates a pre-authorized transaction for the affiliated user and sets the maximum withholding amount;

When a user who is a passenger's accessory enters and exits the station, the facial recognition device installed on the subway gate (which can be integrated with the subway gate, or a separate facial recognition device can be installed) will detect the facial biometrics of the passenger. Collect facial features and send the acquired facial biometric information to the backend system;

After the backend system receives the facial biometric information recognized and obtained by the subway gate, it compares the facial biometric information in the database to confirm whether there is a bound account, that is, it searches for the acquired facial biometric information in the user association. Whether there is a corresponding associated user for the information. If so, the transaction information will be recorded for the associated user's account, and after recording the inbound/outbound website information, the subway gate will be notified through the subway background to open the gate;

The subway gate opens the gate after receiving the gate opening information. After the affiliated user exits the station through the gate, the backend system calculates the section fee based on the recorded inbound/outbound website information, and at the same time calculates the section fee based on the obtained facial biometric information. The associated master user account is pre-authorized to complete the transaction and the corresponding fee is deducted.

FIG. 3 is a schematic diagram showing the specific flow of the data processing method based on user binding relationships in the first embodiment.

The specific process of the data processing method based on user binding relationship in the first embodiment can be roughly divided into three stages: application stage, usage stage and charge deduction stage. These three stages are described below.

1. Application stage:

Step S1: The main user opens the ride APP on the mobile terminal and clicks on the function of buying tickets for others.

Step S2: The ride app prompts the user to enter the payment password to verify the account. The main user enters the payment password on the mobile terminal. The ride app sends the main user’s account information and payment password to the backend system (i.e., the mobile terminal’s The backend of the ride-hailing APP) for verification.

Step S3: The backend system verifies the payment password.

Step S4: After the background system passes the verification, the mobile terminal, that is, the camera of the mobile phone, is pointed at the travel companion, that is, the person who needs to purchase the ticket, to obtain the facial biometric information of the travel companion. At this time, the ride APP will identify the facial biometric information of the travel companion. Information (of course, the background system can also recognize the facial biometric information and the ride APP only implements the transfer function). When the ride APP recognizes and obtains the facial biometric information of the travel companion, it will combine the facial biometric information of the travel companion with the ride The APP account information is sent to the backend system. Among them, although it is called "accompanying personnel" here, in fact, it does not need to be "accompanying personnel" in the subsequent "use stage". Instead, it can enter and exit the subway gate alone without being accompanied by the main user, so it is also directly referred to as "accompanying personnel" in the following. "Passengers" or "Accessory Users".

Step S5: After acquiring the facial biometric information of the subsidiary user, the backend system associates the primary user's account information with the facial biometric information of the subsidiary user and stores the user association between the two in the database.

Step S6: After associating the main user's account information and the subsidiary user's facial biometric information, the backend system activates the pre-authorized transaction permission for the subsidiary user and sets the maximum amount of the pre-authorized transaction.

2.Usage stage:

Step S7: When the companions enter the station and take the train, they face the face recognition device of the subway gate (the face recognition device can be set as part of the subway gate or can be set separately).

Step S8: The face recognition device recognizes the face of the passenger and obtains his facial biometric information. The face recognition device sends the recognized facial biometric features to the backend system.

Step S9: After receiving the facial biometric information, the backend system compares the facial biometric information stored in the database to confirm whether there is the main user's account information corresponding to the facial biometric information in the user association relationship. If If it does not exist, continue to step S10. If it exists, continue to step S11.

Step S10: Prompt the user to identify the error.

Step S11: Record the inbound website information and notify the subway gate to open the gate through the subway background.

Step S12: The subway gate opens the gate according to the notification.

Step S13: The auxiliary user takes the bus.

Step S14: When the accessory user exits the station (out of the gate) after taking the train, he faces the face recognition device of the subway gate.

Step S15: The face recognition device recognizes the face of the attached user, obtains the facial biometric information and uploads it to the backend system.

Step S16: After the background system receives the facial biometric information obtained through recognition, it identifies the facial biometric information by comparing it with the facial biometric information in the database, and confirms whether there is a correspondence with the facial biometric information in the user association. If the account information of the primary user does not exist, continue to step S17; otherwise, continue to step S18.

Step S17: Prompt the user to identify the error.

Step S18: Record the outbound website information for the account, and notify the subway gate to open the gate through the subway background.

Step S19: The subway gate opens the gate according to the notification.

Step S20: Passengers pass through the gate and leave.

3. Deduction stage:

S21: After the passengers pass through the subway gate, the background system calculates the section fare.

S22: Pre-authorize the associated account based on the acquired facial biometric information to complete the transaction, deduct the corresponding fees, and return the remaining fees. If the pre-authorization is set to be one-time effective, it will be automatically released after the deduction is completed. The binding relationship between the master account and facial biometric information.

S23: After completing the transaction, the main user is notified by SMS, for example, the user is prompted to pay the fare for others within XX time on XX, XX, totaling XX yuan.

Next, the data processing system based on the user binding relationship according to the first embodiment will be described.

FIG. 4 is a structural block diagram showing a data processing system based on user binding relationships according to the first embodiment.

As shown in Figure 4, the data processing system based on user binding relationships in the first embodiment includes: a mobile terminal 100, a subway gate 200, a subway backend 300 and a backend system 400.

The mobile terminal 100 is used to obtain the biometric information of the secondary user and to send the primary user identification and the biometric information of the secondary user to the backend system 400, and to receive pre-authorized transaction result information from the backend system 400.

The backend system 400 is used to associate the primary user ID with the biometric information of the secondary user and store the user association between the two, and to open pre-authorized transaction permissions for the secondary user. On the other hand, when the transaction occurs, (Affiliated user) When outbound/inbound, the backend system 400 determines whether the biometric information of the object where the transaction occurs has a corresponding primary user identification in the user association relationship. In this case, the outbound/inbound website information of the transaction object (affiliated user) is recorded, and after the outbound/inbound action of the transaction object (affiliated user), the transaction-related information and the main user are recorded according to the transaction-related information. Identifies pre-authorization to complete the transaction.

The subway gate 200 is used to open or close the gate according to the action instructions sent from the backend system 400 through the subway backend 300, and the subway gate 200 is also set to obtain the biometric information of the object where the transaction occurs and the website access information (corresponding to "Transaction related information" in the request item) and sent to the backend system 400 through the subway backend 300.

Wherein, the mobile terminal 100 includes:

Acquire the module 110 to obtain the biometric information of the affiliated user;

The request module 120 sends a binding request to the backend system 400 based on the primary user identification and the biometric information of the secondary user to associate the primary user identification with the biometric information of the secondary user; and

The result receiving module 130 receives pre-authorized transaction result information from the backend system 400.

Among them, the backend system 400 includes:

The data receiving module 410 is used to receive the primary user identification and the biometric information of the secondary user;

The database 420 is used to store the primary user identification and the biometric information of the secondary user in association with each other and store the user association relationship between the two;

Setting module 430 for activating pre-authorized transaction permissions for the affiliated users; and

The data processing module 440 is used to receive the biometric information of the transaction object and transaction-related data, and determine whether the biometric information of the transaction object has a corresponding primary user identifier in the user association stored in the database 420 , when it is determined that there is a corresponding main user identification, record transaction-related information (for example, record the transaction object, that is, the outbound/inbound website information of the affiliated user), and after the transaction object completes the outbound action, follow the required The transaction-related information and the primary user identification are used to pre-authorize the transaction.

The data processing module 440 performs the following actions:

Receive the first biometric information of the transaction object (such as the biometric information of the affiliated user when entering) and the first transaction-related data (such as inbound website information), and determine the first biometric information of the transaction object Whether there is a corresponding main user identification in the user association relationship, and if it is determined that there is a corresponding main user identification, record the first transaction-related data and issue a first action instruction (for example, to the subway backend 300 Issue an action command to open the subway gate 200);

Receive the second biometric information of the transaction object (the biometric information of the affiliated user when outbound) and the second transaction-related data (such as outbound website information), and determine whether the second biometric information of the transaction object is Whether there is a corresponding main user identification in the user association relationship, and if it is determined that there is a corresponding main user identification, record the second transaction-related information and issue a second action instruction (for example, to the subway backend 300 Action instructions that cause the subway gate 200 to open); and

Perform pre-authorization to complete the transaction based on the first transaction-related information and the second transaction-related information (such as inbound website information and outbound website information) and the primary user identification.

Second embodiment

The data processing method based on the user binding relationship in the second embodiment mainly consists of the main user's mobile terminal, the subway gate (equivalent to the "industry terminal" in the request), and the subway backend (equivalent to the "industry terminal" in the request). "Backend") and backend system implementation. The difference between the second embodiment and the first embodiment is that recording the inbound/outbound website information is performed by the subway backend instead of the backend system.

FIG. 5 is a schematic diagram showing the specific flow of the data processing method based on user binding relationships in the second embodiment.

The specific process of the data processing method based on the user binding relationship in the second embodiment is also roughly divided into three stages: application stage, usage stage and charge deduction stage. These three stages are described below.

1. Application stage:

Step S51: The main user opens the ride APP on the mobile terminal and clicks on the function of buying tickets for others.

Step S52: The ride-hailing APP prompts the user to enter the payment password to verify the account. The main user enters the payment password on the mobile terminal. The ride-hailing APP sends the main user’s account information and payment password to the backend system (i.e., the mobile terminal’s The backend of the ride-hailing APP) for verification.

Step S53: The backend system verifies the payment password.

Step S54: After the background system passes the verification, the camera of the mobile terminal is pointed at the travel companion (that is, the person who needs to purchase the ticket) to obtain the facial biometric information of the travel companion. At this time, the ride APP will identify the facial biometric information of the travel companion. Information (of course, the background system can also recognize the facial biometric information and the ride APP only implements the transfer function). When the ride APP recognizes and obtains the facial biometric information of the travel companion, it will combine the facial biometric information of the travel companion with the ride The APP account information is sent to the backend system.

Step S55: After acquiring the facial biometric information of the subsidiary user, the backend system associates the main user's account information with the facial biometric information of the subsidiary user and stores the user association between the two in the database.

Step S56: After associating the main user's account information and the subsidiary user's facial biometric information, the backend system activates the pre-authorized transaction permission for the subsidiary user and sets the maximum amount of the pre-authorized transaction.

2.Usage stage:

Step S57: When the accessory user enters the station and takes the train, he faces the face recognition device of the subway gate (the face recognition device can be set as a part of the subway gate or can be set separately).

Step S58: The face recognition device recognizes the face of the passenger and obtains his facial biometric information. The face recognition device sends the recognized facial biometric features to the backend system.

Step S59: After receiving the facial biometric information, the backend system compares the facial biometric information stored in the database to confirm whether there is the main user's account information corresponding to the facial biometric information in the user association relationship. If If it does not exist, proceed to step S60. If it exists, proceed to step S61.

Step S60: Prompt the user to identify the error.

Step S61: The background system notifies the subway background to record the inbound website information and the subway background notifies the subway gate to open the gate.

Step S62: The subway gate opens the gate according to the notification.

Step S63: The auxiliary user takes the bus.

Step S64: When the accessory user exits the station (out of the gate) after taking the train, he faces the face recognition device of the subway gate.

Step S65: The face recognition device recognizes the face of the attached user, obtains the facial biometric information and uploads it to the backend system.

Step S66: After receiving the facial biometric information obtained through recognition, the backend system identifies the facial biometric information by comparing it with the facial biometric information in the database, and confirms whether there is a correspondence with the facial biometric information in the user association. If the account information of the main user does not exist, continue to step S67; otherwise, continue to step S68.

Step S67: Prompt the user to identify the error.

Step S68: The backend system notifies the subway backend to record the outbound website information for the account, and the subway backend notifies the subway gate to open the gate.

Step S69: The subway gate opens the gate according to the notification.

Step S70: Passengers pass through the gate and leave.

3. Deduction stage:

S71: After the passengers pass through the subway gate, the subway system calculates the section fare and sends it to the backend system.

S72: Based on the calculated interval fee, the backend system pre-authorizes the associated account to complete the transaction, deducts the corresponding fee, and returns the remaining fee. If the pre-authorization is set to be one-time effective, it will automatically complete the transaction after the deduction is completed. Unbind the primary account and facial biometric information.

S73: After completing the transaction, the main user is notified by SMS, for example, the user is prompted to pay the fare for others within XX time on XX, XX, totaling XX yuan.

Next, the data processing system based on the user binding relationship according to the second embodiment will be described.

FIG. 6 is a structural block diagram showing a data processing system based on user binding relationships according to the second embodiment.

As shown in Figure 6, the data processing system based on user binding relationships in the second embodiment includes: a mobile terminal 500, a subway gate 600, a subway backend 700 and a backend system 800.

The mobile terminal 500 is used to obtain the biometric information of the secondary user and to send the primary user identification and the biometric information of the secondary user to the backend system 800, and to receive pre-authorized transaction result information from the backend system 800.

The backend system 800 is used to associate the primary user ID with the biometric information of the secondary user and store the user association between the two, and to activate pre-authorized transaction permissions for the secondary user. On the other hand, when the transaction occurs, (Affiliated user) When outbound/inbound, the backend system 800 determines whether the biometric information of the object where the transaction occurs has a corresponding primary user identification in the user association relationship. In this case, an action instruction is sent to the subway backend 700, and the main user identification is pre-authorized according to the section fee from the subway backend 700 to complete the transaction.

The subway gate 600 is used to open or close the gate according to the action command from the subway backend 700, and the subway gate 600 is also configured to obtain the biometric information of the transaction object and send it to the backend system 800 through the subway backend 700.

The subway backend 700 is used to record the inbound/outbound site information according to the instructions from the backend system 800 and notify the subway gate 600 to open the gate after completing the recording of the inbound/outbound site information, and the subway backend 700 is used to open the gate according to the instructions. Inbound site information and outbound site information calculate interval charges.

Among them, the mobile terminal 500 includes:

Obtain module 510 to obtain the biometric information of the affiliated user;

The request module 520 sends a binding request to the backend system 800 based on the primary user ID and the biometric information of the secondary user to associate the primary user ID with the biometric information of the secondary user; and

The result receiving module 530 receives pre-authorized transaction result information from the backend system 800.

Among them, the backend system 800 includes:

The data receiving module 810 is used to receive the primary user identification and the biometric information of the secondary user;

Database 820 is used to store the primary user identification and the biometric information of the secondary user in association with each other and store the user association relationship between the two;

Setting module 830 for activating pre-authorized transaction permissions for the affiliated users; and

The data processing module 840 is used to receive the biometric information of the object where the transaction occurs, and determine whether the biometric information of the transaction object has a corresponding primary user identification in the user association stored in the database 820. In the case of the corresponding main user identification, an action instruction is sent to the subway backend 700, and based on the section fee from the subway backend 700, the main user identification is pre-authorized to complete the transaction.

The data processing module 840 performs the following actions:

Receive the first biometric information of the transaction object (such as the biometric information of the affiliated user when entering the website), and determine whether the first biometric information of the transaction object has a corresponding subject in the user association relationship. The user identification, when it is determined that there is a corresponding main user identification, issues a first action instruction (for example, notifying the subway backend 700 to record the first transaction-related information and causing the subway gate 600 to open);

Receive the second biometric information of the transaction object, determine whether the second biometric information of the transaction object has a corresponding primary user identification in the user association relationship, and determine whether there is a corresponding primary user identification. In this case, issue a second action command (for example, notify the subway backend 700 to record the second transaction-related information and cause the subway gate 600 to open); and

Receive transaction-related information (such as the first transaction-related information and the second transaction-related information, or their difference) and perform pre-authorization to complete the transaction based on the transaction-related information and the primary user identification.

In addition, in the above description, the subway backend and the backend system are explained separately. As a variation example, the subway backend and the backend system may also be composed of one platform.

As mentioned above, according to the data processing method and data processing system based on the user binding relationship of the present invention, the user binding relationship between the primary user and the secondary user can be used to enable the primary user to make payments on behalf of the secondary user. Subsidiary users do not need to have payment accounts or mobile terminals and other equipment, and only need to rely on biometric information (for example, face, fingerprint, iris, etc.) to realize the payment function on behalf of the main user. Moreover, the data processing method and data processing system based on user binding relationships of the present invention have a wide range of usage scenarios and are highly acceptable. For example, there is no need for companions to have payment accounts and no companions to operate smart terminals. It is especially suitable for attached users. For the elderly, children and other groups.

Moreover, according to the data processing method and data processing system based on user binding relationships of the present invention, the implementation method is relatively simple, and there is no need to enter various private information of the main account or subsidiary account or use the identity information of the public security system during binding. (such as names of fellow travelers, ID numbers, etc.), you only need to bind the biometric information of the subsidiary account to the main user's account and activate the pre-authorized transaction function. From this, through "pre-authorized transaction + biometric This combination of "identification technology" can enable the main user to pay on behalf of the affiliated user.

Furthermore, according to the data processing method and data processing system based on user binding relationships of the present invention, the subsidiary user does not need to be accompanied by the main user when making relevant consumption, such as taking the subway or entering a venue, etc., and only needs to Relying on biometric information (such as face, fingerprint, iris, etc.), the main user's payment function can be realized.

Furthermore, according to the data processing method and data processing system based on the user binding relationship of the present invention, when establishing the user binding relationship, payment password verification is required, and the authorized function can also be set to be valid once, and use Afterwards, the user association is immediately terminated, effectively solving potential security risks.

The present invention also provides a computer-readable medium on which a computer program is stored. When the computer program is executed by a processor, the above-mentioned data processing method based on user binding relationships is implemented.

The present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and executable on the processor. When the processor executes the computer program, the above-mentioned user-binding-based method is implemented. Data processing methods for certain relationships.

The above examples mainly illustrate the data processing method based on user binding relationships and the data processing system based on user binding relationships of the present invention. Although only some specific embodiments of the invention have been described, those of ordinary skill in the art will understand that the invention can be implemented in many other forms without departing from the spirit and scope thereof. Therefore, the examples and embodiments shown are to be regarded as illustrative and not restrictive, and the present invention may cover various modifications and variations without departing from the spirit and scope of the invention as defined in the appended claims. Replace.

10:Data processing system 11:Binding module 12: Pre-authorized modules 13: Biometric acquisition module 14: Transaction data acquisition module 15:Data processing module 100:Mobile terminal 110: Get the module 120:Request module 130: Result receiving module 200:Subway turnstile 300: Subway backstage 400:Backend system 410: Data receiving module 420:Database 430: Setup module 440:Data processing module 500:Mobile terminal 510: Get the module 520:Request module 530: Result receiving module 600:Subway turnstile 700: Subway backstage 800:Backend system 810: Data receiving module 820:Database 830: Setup module 840:Data processing module S1~S23: steps S51~S73: steps S100~S500: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic flow chart showing a data processing method based on user binding relationships according to one aspect of the present invention; Figure 2 is a schematic block diagram of a data processing system based on user binding relationships showing one aspect of the present invention; Figure 3 is a schematic diagram showing the specific flow of the data processing method based on user binding relationships in the first embodiment; Figure 4 is a structural block diagram showing a data processing system based on user binding relationships according to the first embodiment; Figure 5 is a schematic diagram showing the specific flow of the data processing method based on user binding relationships in the second embodiment; and FIG. 6 is a structural block diagram showing a data processing system based on user binding relationships according to the second embodiment.

S100~S500: steps

Claims (19)

A data processing method based on a user binding relationship, which includes the following steps: a binding step, associating the main user identification of the main user with the biometric information of the subsidiary user that is different from the main user. And store the user association between the two. The main user collects the biometric information of the subsidiary user through his own mobile terminal, and the mobile terminal will obtain the biometric information of the subsidiary user together with the user identification of the main user. are sent to the back-end system together and the back-end system stores the user relationship between the two; the pre-authorization step is to open the pre-authorized transaction permission for the affiliated user; the biometric acquisition step is to obtain the biometrics of the transaction objects from the industry terminal. Characteristic information, wherein the industry terminal is independent of the back-end system; a transaction data acquisition step is to obtain transaction-related data from the industry terminal; and a data processing step is to determine the relationship between the biometric information and the user Whether there is a corresponding primary user identification in Use your own mobile terminal to obtain the QR code for transactions by scanning the QR code. The data processing method based on user binding relationship as described in claim 1, wherein in the pre-authorization step, the pre-authorization transaction permission is further set Additional conditions for entitlement include one or more of the following: pre-authorization period, pre-authorization amount, and pre-authorization scenario. The data processing method based on user binding relationship as described in claim 1, wherein the main user identification is any one of a mobile terminal identification, an application identification, and a payment account. A data processing method based on user binding relationships, which is implemented by a mobile terminal, an industry terminal and a backend system. The method includes the following steps: the mobile terminal obtains the biometric information of an accessory user that is different from the main user and moves The terminal sends the primary user identification of the primary user and the biometric information of the secondary user to the backend system, where the primary user collects the biometric information of the secondary user through his own mobile terminal; the backend system sends all biometric information to the backend system. The primary user identification and the biometric information of the subsidiary user are associated and the user association between the two is stored, and the backend system opens pre-authorized transaction permissions for the subsidiary user; the industry terminal obtains the transaction object Biometric information and transaction-related data are sent to the back-end system, wherein the industry terminal is independent of the back-end system; and the back-end system determines whether the biometric information of the object where the transaction occurs corresponds to the user association relationship The main user identification of Users obtain the QR code through their mobile terminals and scan the QR code to conduct transactions. A data processing method based on user binding relationships, which includes the following steps executed by the main user's mobile terminal: an acquisition step to obtain biometric information of an affiliated user that is different from the main user; a request step , sending a binding request to the backend system based on the primary user identification of the primary user and the biometric information of the secondary user so that the primary user identification and the biometric information of the secondary user are associated to constitute use and enable the affiliated user to set permission rights for pre-authorized transactions, wherein the back-end system is independent of the mobile terminal; and a receiving step, receiving information based on pre-authorized transaction results from the back-end system, wherein , the pre-authorized transaction result information representation is based on the user association relationship to determine whether there is a corresponding main user identification on the acquired biometric information, and if it is judged that there is a corresponding main user identification, it is based on the transaction related information and the main user identification. Identifies the result of pre-authorized transaction completion, wherein the main user obtains a QR code through his or her mobile terminal and scans the QR code to conduct the transaction. A data processing method based on user binding relationships, which includes the following steps executed by the backend system: a data receiving step, receiving the main user identification of the main user and the ID of the subsidiary user different from the main user. Biometric information, in which the main user collects the biometric information of the subsidiary user through his or her mobile terminal; The pre-authorization step is to associate the primary user ID with the biometric information of the secondary user and store the user association between the two, and activate pre-authorized transaction permissions for the secondary user; and data processing Step: Receive the biometric information of the object where the transaction occurs and transaction-related data from the industry terminal, determine whether the biometric information of the object where the transaction occurs has a corresponding primary user identification in the user association relationship, and determine whether there is a corresponding primary user identification. In the case of user identification, pre-authorization is performed to complete the transaction based on the transaction-related information and the main user identification, wherein the industry terminal is independent of the back-end system, and the main user uses his or her mobile terminal to Obtain the QR code to scan the QR code to conduct transactions. The data processing method based on user binding relationship as described in claim 6, wherein the data processing steps include: receiving the first biometric information and the first transaction-related data of the transaction object; determining the transaction object Whether the first biometric information has a corresponding primary user identifier in the user association relationship, and if it is determined that there is a corresponding primary user identifier, record the first transaction-related data and issue a first action instruction ; Receive the second biometric information of the transaction object and the second transaction-related data; determine whether the second biometric information of the transaction object has a corresponding main user identification in the user association relationship, and determine whether there is In the case of corresponding primary user identification, record the second transaction related information and issue a second action instruction; and perform pre-authorization to complete the transaction based on the first transaction-related information, the second transaction-related information, and the main user identification. A data processing method based on user binding relationships, which includes the following steps executed by a backend system: a data receiving step to receive a primary user identification and biometric information of an auxiliary user that is different from the primary user, Among them, the primary user collects the biometric information of the secondary user through his own mobile terminal; the pre-authorization step associates the primary user identification with the biometric information of the secondary user and stores the user association between the two. relationship, and activate pre-authorized transaction permissions for the affiliated users; and a data processing step to receive the biometric information of the transaction objects and transaction-related data from the industry terminal, and determine whether the biometric information of the transaction objects is used in the Whether there is a corresponding main user identification in the user association relationship, and if it is judged that there is a corresponding main user identification, an action instruction is issued, and pre-authorization is performed to complete the transaction based on the transaction-related information and the main user identification, where , the industry terminal is independent of the back-end system, and the main user obtains a QR code through his or her mobile terminal to conduct transactions by scanning the QR code. A data processing system based on user binding relationships, which includes: a binding module for associating and storing the primary user identification and the biometric information of the subsidiary user that is different from the primary user. usage of User association relationship, in which the main user collects the biometric information of the subsidiary user through his own mobile terminal, and the mobile terminal will obtain the biometric information of the subsidiary user together with the user identification of the main user and send it to the backend system and The backend system stores the user association between the two; the pre-authorization module is used to open pre-authorized transaction permissions for the affiliated users; the biometric acquisition module is used to obtain the biometrics of the transaction objects from the industry terminal. Characteristic information and transaction-related data, wherein the industry terminal is independent of the back-end system; and a data processing module used to determine whether there is a corresponding subject for the biometric information of the object in which the transaction occurs based on the user association. User identification, when it is determined that there is a corresponding main user identification, pre-authorization is performed to complete the transaction based on the transaction-related information and the main user identification, wherein the main user obtains the two information through his own mobile terminal. QR code is used for transactions by scanning the QR code. The data processing system based on user binding relationship as described in claim 9, wherein in the pre-authorization module, additional conditions for the pre-authorization transaction permission are further set, and the additional conditions include one of the following Item or multiple items: pre-authorization period, pre-authorization amount, pre-authorization scenarios. The data processing system based on user binding relationship as described in claim 9, wherein the main user identification is a mobile terminal identification, an application identification, a payment account any one of the households. A mobile terminal, wherein the mobile terminal is owned by a primary user, including: an acquisition module to acquire biometric information of an affiliated user that is different from the primary user; a request module to obtain the primary user's biometric information based on the primary user The identification and the biometric information of the subsidiary user send a binding request to the backend system so that the main user ID and the biometric information of the subsidiary user are associated and form a user association relationship, wherein the backend system is independent of the The mobile terminal; and a result receiving module, which receives pre-authorized transaction result information from the backend system, wherein the pre-authorized transaction result information representation is based on the user association to determine whether the acquired biometric information exists. The corresponding main user identification and if it is judged to exist, perform pre-authorization to complete the transaction according to the transaction-related information and the main user identification, wherein the main user obtains the QR code for scanning through the mobile terminal. Conduct transactions using QR codes. A backend system, which includes: a data receiving module for receiving a primary user identification and biometric information of an auxiliary user that is different from the primary user, wherein the main user collects auxiliary usage through his own mobile terminal The mobile terminal will obtain the biometric information of the secondary user and send it to the backend system together with the user ID of the primary user, and the backend system will store the user association between the two; A database is used to store the primary user identification and the biometric information of the subsidiary user in association with each other and store the user association between the two; a module is configured to activate the service for the subsidiary user. Pre-authorized transaction permission; and a data processing module for receiving the biometric information of the transaction objects and transaction-related data from the industry terminal, and determining the user association of the biometric information of the transaction objects stored in the database. Whether there is a corresponding main user identification in the system, and if it is determined that there is a corresponding main user identification, pre-authorization is performed to complete the transaction based on the transaction-related information and the main user identification, wherein the industry terminal is independent of The back-end system, and the main user obtains the QR code through his or her mobile terminal for transaction by scanning the QR code. The backend system as described in claim 13, wherein the setting module further sets additional conditions for the pre-authorized transaction permission, and the additional conditions include one or more of the following: pre-authorization period, pre-authorization amount, Pre-authorization scenario. The backend system as described in claim 13, wherein the data processing module performs the following actions: receiving the first biometric information of the transaction object and the first transaction-related data, and determining the first biometric information of the transaction object. Whether the information has a corresponding primary user identifier in the user association relationship, and if it is determined that there is a corresponding primary user identifier, record the first interaction Transact relevant data and issue a first action command; receive the second biometric information of the object where the transaction occurs and the second transaction-related data, and determine whether the second biometric information of the object where the transaction occurs corresponds to the user association relationship the main user identification, and when it is determined that there is a corresponding main user identification, record the second transaction-related information and issue a second action instruction; and according to the first transaction-related information and the second transaction-related information information, and the master user identification for pre-authorization to complete the transaction. A backend system, which includes: a data receiving module for receiving a primary user identification and biometric information of an auxiliary user that is different from the primary user, wherein the main user collects auxiliary usage through his own mobile terminal The mobile terminal will obtain the biometric information of the subsidiary user and send it to the backend system together with the user ID of the main user, and the backend system will store the user association between the two; the database is used for Store the primary user identification and the biometric information of the secondary user in association with each other and store the user association relationship between the two; set up a module for activating pre-authorized transaction permissions for the secondary user ; and a data processing module, used to receive the biometric information of the transaction object from the industry terminal, and determine whether the biometric information of the transaction object has a corresponding primary user identification in the user association stored in the database. , when it is determined that there is a corresponding primary user ID, based on the access The received transaction-related information and the main user identification are pre-authorized to complete the transaction, wherein the industry terminal is independent of the back-end system, and the main user obtains a QR code for scanning the QR code through his own mobile terminal. code to conduct transactions. The backend system as described in claim 16, wherein the data processing module performs the following actions: receiving the first biometric information of the transaction object, and determining whether the first biometric information of the transaction object is used by the user. Whether there is a corresponding main user identification in the association relationship, and if it is judged that there is a corresponding main user identification, the first action instruction is issued; the second biometric information of the transaction occurrence object is received, and the third biometric information of the transaction occurrence object is determined. Whether there is a corresponding main user identification in the user association relationship between the two biometric information, and if it is determined that there is a corresponding main user identification, issuing a second action instruction; and receiving transaction-related data and based on the transaction Relevant information and the primary user identification are used for pre-authorization to complete the transaction. A computer-readable medium on which a computer program is stored, wherein when the computer program is executed by a processor, the data processing method based on user binding relationships described in any one of claims 1 to 8 is implemented. A computer device, including a storage module, a processor, and a computer program stored on the storage module and executable on the processor, wherein the processor implements any one of claims 1 to 8 when executing the computer program. The data processing method based on user binding relationships described in the item.