WO2015041573A1 - Centre d'identification de système de paiement - Google Patents

Centre d'identification de système de paiement Download PDF

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Publication number
WO2015041573A1
WO2015041573A1 PCT/RU2014/000688 RU2014000688W WO2015041573A1 WO 2015041573 A1 WO2015041573 A1 WO 2015041573A1 RU 2014000688 W RU2014000688 W RU 2014000688W WO 2015041573 A1 WO2015041573 A1 WO 2015041573A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment system
code
client
identifiable
pattern
Prior art date
Application number
PCT/RU2014/000688
Other languages
English (en)
Russian (ru)
Inventor
Арташес Валерьевич ИКОНОМОВ
Original Assignee
Арташес Валерьевич ИКОНОМОВ
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Арташес Валерьевич ИКОНОМОВ filed Critical Арташес Валерьевич ИКОНОМОВ
Publication of WO2015041573A1 publication Critical patent/WO2015041573A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/13—Sensors therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/14—Vascular patterns

Definitions

  • the invention relates to the field of recognition tools, and in particular to the identification centers of the payment system, including the server of the identification center, adapted for connection via a connected network to the client device of the identifiable client of the payment system, authentication device, with the server of the payment system, containing the payment account of the identifiable client, a database located on the server of the identifying center, and can be used to verify the identity of the client the same system when making payments.
  • the level of technology including the server of the identification center, adapted for connection via a connected network to the client device of the identifiable client of the payment system, authentication device, with the server of the payment system, containing the payment account of the identifiable client, a database located on the server of the identifying center, and can be used to verify the identity of the client the same system when making payments.
  • the identification center of the payment system is known from the prior art, including the server of the identification center adapted for connection via the integrated network to the client device of the identified client of the payment system, authentication device, with the server of the payment system, containing the payment account of the identifiable client located on the server of the identification center data, (see the description of the patent for a utility model of the Russian Federation, N ° 76485, published 2008).
  • the method described in it is also known. ntifikatsii customer center of the payment system.
  • the server of the identifying center is made in the form of a server with a database, which is responsible for the authentication of parameters of activated and active universal debit-credit payment cards, authorization of transactions.
  • the disadvantage of this device and method is the low reliability of the identification of the client of the payment system, since there is no authentication of the identity of the client of the payment system. Indeed, this device uses only various identifiers - payment, recipient number, its parameters, but there is no verification that these parameters are entered by the same client whose parameters are in the database.
  • the identification center of the payment system is known from the prior art, including the server of the identification center adapted for connection via the integrated network to the client device of the identified client of the payment system, authentication device, with the server of the payment system, containing the payment account of the identifiable client located on the server of the identification center data, (see the description of the patent for a utility model of the Russian Federation, Ne 125745, published 2013). The method described in it is also known. ntifikatsii customer center of the payment system.
  • the server describes a server containing interconnected storage unit of the database of cash transactions and accounts, authorization and authentication unit, cash management unit.
  • the server also contains a complex authentication and authorization system block, which is supported by face recognition procedures, voice identification, password and key phrase entry, as well as iris identification procedures, fingerprint identification.
  • the disadvantage of this device and the associated method is the low reliability of the identification of the client of the payment system, since identification of face recognition, voice recognition, identification by the iris, identification by fingerprints is not the most reliable.
  • another disadvantage of this device and the associated method is the low resistance to hacking of the payment system. Indeed, there are ways to fake client fingerprints and fake other identification methods specified in the prototype.
  • the present invention mainly aims to offer an identifying center for a payment system, which allows at least smoothing out at least one of the above disadvantages, namely, to increase the reliability of identification of a client of a payment system while increasing resistance to breaking the payment system. And also offer and related methods
  • the server of the identifying center includes a decoding module for the pattern of blood vessels of the hand of the identifiable client of the payment system, connected to a database, adapted for connection through an integrated network with an authentication device.
  • the database contains the codes of the pattern of blood vessels on the hands of the identifiable customers of the payment system.
  • the server of the identifying center additionally includes a module for comparing the decrypted code of the pattern of blood vessels of the hand of the client to be identified with the code of the pattern of blood vessels in the database.
  • the server of the identifying center further includes a module for decrypting an information code such as a PIN code of a payment system client, adapted for connecting via an integrated network to a client device of an identifiable payment system client.
  • the database contains information codes of the pin code type.
  • the server of the identifying center additionally includes a module for comparing decrypted information codes such as a PIN code of a payment system client with information codes such as a PIN code from a database.
  • the server of the identifying center additionally includes a module for checking the coincidence of the pattern codes of blood vessels on the hands of identifiable customers of the payment system received from the decryption module for the code of the pattern of blood vessels on the hands of an identifiable payment system client and the codes of the pattern of blood vessels on the arms of identifiable payment system clients in the database data, and the coincidence of information codes of the pin-code type received from the decryption module of the information code of the pin-type client payment system with information codes such as a pin code in a database connected to a module for decoding the code of a pattern of blood vessels on the hands of an identifiable client of a payment system and with a module for decrypting an information code such as a PIN code of a client of a payment system.
  • the server of the identifying center further includes a decryption module of the payment transaction code, adapted for connection via the integrated network to the payment system server, connected to the module for checking the coincidence of codes.
  • the module for decoding the code of the pattern of blood vessels on the hands of the identifiable customers of the payment system comprises a module for decrypting the code of the venous pattern of the palm of the identifiable client of the payment system.
  • the module for decoding the pattern code of blood vessels of the hand of an identifiable client of a payment system comprises a module for decrypting a code of pattern of capillaries on the fingers of an identifiable client of a payment system.
  • figure 1 schematically depicts a functional diagram of the identification center of the payment system according to the invention.
  • the identification center of the payment system includes an identification center server 1 adapted for connection via an integrated network 2 with the client device 3 of the identifiable client of the payment system, authentication device 4, with the server of the payment system 5, containing the payment account of the identifiable client located on the server identifying center database 6.
  • the server 1 of the identifying center includes a module 7 for decrypting the blood vessel pattern code of the hand of the identifiable client of the payment system, connected to the database 6, adapted to be connected via an integrated network 2 with the authentication device 4.
  • Database 6 contains the codes for the pattern of blood vessels on hands of identifiable customers of the payment system.
  • the server 1 of the identifying center further includes a comparison module 8 of the decrypted blood vessel pattern code of the hand of the client to be identified with the blood vessel pattern code in the database 6.
  • the comparison module 8 is connected to the decoding code module of the blood vessels of the hand pattern of the identifiable client of the payment system and the base data 6.
  • the server 1 of the identifying center further includes a module 9 for decrypting an information code such as a PIN code of a payment system client, adapted for connection via an integrated network 2 to a client device 3 of an identifiable payment system client.
  • Database 6 contains information codes of the pin code type.
  • the server 1 of the identifying center additionally includes a module for comparing 10 decrypted information codes such as a PIN code of a payment system client with information codes such as a PIN code from a database 6.
  • a comparison module 10 is connected to a module for decrypting an information code type such as a PIN code of a payment system client and database 6.
  • the server 1 of the identifying center additionally includes a module 11 for checking the coincidence of the pattern codes of blood vessels on the hands of identifiable customers of the payment system received from the module 7 for decrypting the code for the pattern of blood vessels on the hands of an identifiable payment system client and the codes of the pattern of blood vessels on the hands of identifiable payment clients systems in the database 6, and the coincidence of information codes such as pin-code received from module 9 for decoding the information code of the pin type of the client of the payment system with information codes of the pin code type in the database 6, connected to the module 7 for decrypting the code of the pattern of blood vessels on the hands of the identified client of the payment system and with module 9 for decrypting the information code of the pin type the client’s code of the payment system, as well as with the comparison modules 8 and 10.
  • the server of the identifying center further includes a module for decrypting the payment transaction code, adapted for connection by means of integrated network 2 with the server of the payment system 5, and connected to the module 11 for checking the coincidence of codes.
  • the module 7 for decoding the code of the pattern of blood vessels on the hands of the identifiable customers of the payment system includes a module 13 for decrypting the code of the venous pattern of the palm of the identifiable client of the payment system.
  • the module 7 for decoding the code of a pattern of blood vessels of the hand of an identifiable client of a payment system includes a module 14 for decrypting a code of a pattern of capillaries on the fingers of an identifiable client of a payment system.
  • each client device 3 can be any form of computing platform that connects to the network, such as interconnected network 2 and allows interaction with application programs.
  • client devices include, but are not limited to, stationary and portable personal computers, “smart” cell phones, (in English, a smartphone), lightweight clients, workstations, “dumb” terminals connected to the application server, and their various layouts and configurations, that is, both physical devices for interacting in communication interaction systems, and virtual devices implemented on programmable computers computer devices, and having a software interface for the implementation of communication functions.
  • Unified Network 2 as well as all connections between all modules and blocks, include various topologies, configurations, and layouts of the components of the interconnect, configured to interconnect corporate, global, and local area networks, and b includes, without limitation, traditional wired, wireless, satellite, optical, and equivalent network technologies.
  • the identification center of the payment system operates as follows. (A non-limiting embodiment is provided). According to figure 2:
  • Stage AO To register in the database 6 of the pattern of blood vessels of the hand of an identifiable client of the payment system, a double scan of the palm of the client of the payment system is performed and a biometric template is created. This operation is one-time and the longest - it takes 10 - 30 seconds.
  • Stage A1 A payment system customer comes to the store to make a purchase. He is given an authentication device 4 containing a scanner. The scanner irradiates the client’s hand of the payment system in the near infrared range and reads the veins or capillaries on the fingers of the identifiable client of the payment system, which are warmer than the surrounding tissues due to blood coming from the heart. Note that it is enough for the client to hold his hand over the scanner, that is, the process of reading the picture is fast and does not bring unpleasant sensations to the client. (Does not stain fingers, does not blind eyes). The user authentication process lasts 1 - 2 seconds.
  • Stage A2 An image of a venous pattern in the palm of your hand or a pattern of capillaries on the fingers of an identifiable customer of a payment system is recorded in, for example, a 5 MB image containing a temperature of 5 million points. This image can be encrypted with a resolution of 128 or 256 bits.
  • Stage A3 By connecting through the combined network 2 from the authentication device 4, the data is transmitted to the decoding module 7 of the blood vessel pattern code of the hand of the identifiable client of the payment system located in the server 1 of the identifying center.
  • Stage A4 By means of comparison module 8, the decrypted blood vessel pattern code of the hand of the client to be identified is compared with the blood vessel pattern code in the database 6. In case of coincidence, a signal is sent to the payment transaction code decryption module 12, adapted for connection via the combined network 2 to the payment system server 5, which leads to the payment transaction. Stage A5. A payment SMS message is sent to client device 3 of the payment system client. This is a confirmation of payment.
  • Stage A6 In case of identification failure or to increase the reliability of the identification of the client of the payment system, you can additionally use a PIN code.
  • the payment system client enters a PIN code into his client device 3.
  • Stage A7 Through the combined network 2, the signal from the client device 3 of the identifiable client of the payment system is transmitted to the module 9 for decrypting the information code of the PIN code type of the client of the payment system located in the server 1 of the identifying center.
  • Stage A8 Using the decryption module 9, the information code of the PIN type of the client of the payment system is compared with the PIN type code that is contained in the database 6. If these codes match, a signal is sent to the module 11 for matching the codes of the pattern of blood vessels on the hands of the identified clients of the payment system received from module 7 decryption code of the pattern of blood vessels on the hands of an identifiable customer payment system and codes of the pattern of blood vessels on the hands of an identifiable client in the payment system in the database 6, and match information codes such as PIN code received from the module 9 decoding the information code such as customer PIN payment system with information codes such as a PIN code in the database 6.
  • Stage A9 If both codes coincide - from module 7 and 9 with those contained in the database 6, a signal is sent to the payment transaction code decryption module 12, adapted for connection via the combined network 2 to the server of the payment system 5, which leads to the payment transaction.
  • Stage A10 A payment SMS message is sent to client device 3 of the payment system client. This is a confirmation of payment.
  • the proposed identifying center of the payment system has a clear purpose, can be carried out by a specialist in practice and, when implemented, ensures the implementation of the declared purpose.
  • the possibility of being implemented by a specialist in practice follows from the fact that for each feature included in the claims on the basis of the description, the material equivalent is known, which allows us to conclude that the criterion of "industrial applicability" for the invention is met.
  • the server of the identifying center includes a decoding module for the pattern of blood vessels of the hand of the identifiable client of the payment system, connected to a database, adapted for connection through an integrated network with an authentication device, and the database contains the codes of the pattern of blood vessels on the hands of the identified customers of the payment system
  • the server of the identifying center additionally includes a module for comparing the decrypted code the pattern of blood vessels of the hand of the client to be identified with the code of the pattern of blood vessels in the database
  • the server of the identifying center additionally includes a module for decrypting the information code of the PIN code of the payment system client, adapted for connecting through the integrated network to the client device of the identification client of the payment system, and the database contains information codes of the pin code type
  • the server of the identifying center additionally includes a comparison module for of encrypted information codes such as the PIN code of the payment system client with information codes such as the PIN code from the database
  • the server of the identifying center additionally includes a module for verify

Abstract

L'invention se rapporte aux moyens de reconnaissance et concerne notamment des centres d'identification de systèmes de paiement comprenant un serveur de centre d'identification conçu pour se connecter via un réseau unifié à un dispositif client d'un client à identifier d'un système de paiement, à un dispositif d'identification, et à un serveur du système de paiement comprenant un compte de paiement du client à identifier, et une base de données disposée dans le serveur du centre d'identification. L'invention peut être utilisée pour établir l'identité d'un client du système de paiement lorsque l'on effectue des paiements. L'invention concerne également des procédés d'identification de clients d'un système de paiement. Selon l'invention, le serveur du centre d'identification comprend un module de déchiffrage de code du schéma formé par les vaisseaux sanguins de la main du client à identifier du système de paiement, un système de comparaison du code déchiffré du schéma formé par les vaisseaux sanguins de la main du client à identifier à un code du schéma formé par les vaisseaux sanguins dans la base de données, un module de déchiffrage du code informatif de type code PIN du client du système de paiement, un module de comparaison des codes informatifs déchiffrés de type code PIN du client du système de paiement à des codes informatifs de type code PIN dans la base de données, un module de vérification de correspondance des codes et un module de déchiffrage du code de l'opération de paiement.
PCT/RU2014/000688 2013-09-18 2014-09-12 Centre d'identification de système de paiement WO2015041573A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2013142593 2013-09-18
RU2013142593 2013-09-18

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WO2015041573A1 true WO2015041573A1 (fr) 2015-03-26

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10115084B2 (en) 2012-10-10 2018-10-30 Artashes Valeryevich Ikonomov Electronic payment system

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040199469A1 (en) * 2003-03-21 2004-10-07 Barillova Katrina A. Biometric transaction system and method
RU2255371C2 (ru) * 1999-07-20 2005-06-27 Дайболд, Инкорпорейтед Система автоматизированных банковских машин и способ усовершенствования
US20050289079A1 (en) * 2004-05-17 2005-12-29 Shimon Systems, Inc. Systems and methods for biometric identification
US20120330788A1 (en) * 2011-06-27 2012-12-27 Robert Hanson Payment selection and authorization by a mobile device

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2255371C2 (ru) * 1999-07-20 2005-06-27 Дайболд, Инкорпорейтед Система автоматизированных банковских машин и способ усовершенствования
US20040199469A1 (en) * 2003-03-21 2004-10-07 Barillova Katrina A. Biometric transaction system and method
US20050289079A1 (en) * 2004-05-17 2005-12-29 Shimon Systems, Inc. Systems and methods for biometric identification
US20120330788A1 (en) * 2011-06-27 2012-12-27 Robert Hanson Payment selection and authorization by a mobile device

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10115084B2 (en) 2012-10-10 2018-10-30 Artashes Valeryevich Ikonomov Electronic payment system

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