WO2016070618A1 - Procédé de paiement électronique reposant sur une caractéristique biologique - Google Patents

Procédé de paiement électronique reposant sur une caractéristique biologique Download PDF

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Publication number
WO2016070618A1
WO2016070618A1 PCT/CN2015/081108 CN2015081108W WO2016070618A1 WO 2016070618 A1 WO2016070618 A1 WO 2016070618A1 CN 2015081108 W CN2015081108 W CN 2015081108W WO 2016070618 A1 WO2016070618 A1 WO 2016070618A1
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WIPO (PCT)
Prior art keywords
user
data
terminal
bank card
payment
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PCT/CN2015/081108
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English (en)
Chinese (zh)
Inventor
陈海波
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亿百葩鲜数据科技（上海）有限公司
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Publication of WO2016070618A1 publication Critical patent/WO2016070618A1/fr

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    • 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
    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

Definitions

  • the present invention relates to the field of electronic payment technologies, and in particular, to a biometric based electronic payment method.
  • the object of the present invention is to provide a biometric-based electronic payment method and an electronic payment system, which effectively reduce the risk of electronic payment.
  • an embodiment of the present invention provides a biometric-based electronic payment method, comprising the following steps:
  • the terminal performs member registration on the user by obtaining the name of the user and the mobile phone number;
  • the terminal After the member is successfully registered, the terminal further collects user data and the user's biological
  • the user data includes: a bank card number of the user and a corresponding bank card password
  • the biometric features include: facial image data and MPG data
  • the terminal acquires the mobile phone number of the user
  • the terminal acquires the user data registered by the user and the biometric characteristics of the user according to the mobile phone number of the user, and performs biometric verification on the user; after the biometric verification is successful, the terminal is used by the user The amount of consumption is paid.
  • Embodiments of the present invention also provide a biometric-based electronic payment system, the electronic payment system including a member registration module, an acquisition module, and a payment module;
  • the member registration module is configured to obtain the name of the user and the mobile phone number for membership registration
  • the collecting module is configured to collect the user data and biometric characteristics of the user for registration, and when the user performs payment, obtain the registered user data and the biometric characteristics of the user according to the registered mobile phone number, and perform the user on the user. Verification of the biometrics, and after the biometric verification is successful, sending a payment instruction to the payment module;
  • the user data includes: a bank card number of the user and a corresponding bank card password
  • the biometric features include: facial image data and MPG data.
  • the embodiment of the present invention provides an innovative payment method.
  • the user's bank card is not needed, and the user does not need to input the bank card password, which is convenient for the user.
  • the payment of the consumption amount also avoids the risk of the user being lost due to carrying the bank card; at the same time, because the biometric has its unique identity, the risk of the bank card being stolen by others is avoided.
  • the terminal acquires the user data registered by the user and the biometric characteristics of the user according to the mobile phone number of the user, and the step of verifying the biometric feature of the user, the following substeps are included:
  • the terminal acquires the MPG data of the user, and verifies the user's MPG data;
  • the terminal acquires facial image data of the user, and verifies the facial image data of the user;
  • the hand vein is a characteristic of the living body, and the hand vein exists in the palm of the hand. It does not cause recognition obstacles due to the damage of the palm surface. Compared with the facial image, the accuracy and safety of the hand vein recognition is higher. Therefore, first hand-carrying the user is helpful to improve the security of electronic payment.
  • the step of the terminal acquiring the facial image data of the user and verifying the facial image data of the user includes the following sub-steps:
  • the terminal acquires facial image data of the user, and retrieves the acquired facial image data from the facial image database according to the mobile phone number of the user to verify the acquired facial image data.
  • the facial image data is matched, the facial image data registered by the user can be directly retrieved from the facial image database to the terminal for matching, and the facial image data of the user is no longer needed to be transmitted from the terminal to the remote server.
  • the remote server retrieves the facial image data registered by the user from the facial image database for matching, and then transmits the matching result to the terminal, thereby reducing the time for matching the facial image data.
  • the user data further includes a face recognition password of the user
  • the terminal determines whether the number of times the facial image data is acquired reaches a preset number of acquisitions
  • the terminal reacquires the facial image data of the user
  • the The terminal acquires the face recognition password of the user, and matches the face recognition password registered by the user;
  • the terminal pays the amount of consumption of the user.
  • the setting of the face recognition password provides a choice for the user to make electronic payment, further ensuring the smooth progress of the electronic payment.
  • the terminal encrypts the consumption amount and the mobile phone number of the user and sends the value to the local dynamic library
  • the local dynamic library acquires the bank card number registered by the user and the corresponding bank card password according to the mobile phone number of the user;
  • the local dynamic library encrypts the user's consumption amount, the bank card number and the corresponding bank card password, and sends the payment to the bank for payment on a point-to-point transmission link.
  • the present embodiment transmits the user's bank card information between the local dynamic library and the bank by using a point-to-point transmission link, thereby avoiding leakage of the user's bank card information during the transmission process, and effectively The security of the user's bank card information is guaranteed.
  • the local dynamic library sends the user's consumption amount, the bank card number, and the corresponding bank card password to the bank for payment, the following steps are included:
  • the terminal calls the electronic signature proof of the bank, and after the signature is completed, prints an electronic signature proof and saves to the user, and transmits the electronic signature proof and the facial image of the user to the The remote server saves.
  • the electronic signature proof and the facial image of the user are saved, so that the consumer can view the consumption information at any time, thereby further ensuring the security of the electronic transaction.
  • FIG. 1 is a registration flowchart of an electronic payment method according to a first embodiment of the present invention
  • FIG. 2 is a payment flow chart of an electronic payment method according to a first embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of an electronic payment system according to a second embodiment of the present invention.
  • a first embodiment of the present invention relates to a biometric based electronic payment method.
  • the user before using the biometric feature for electronic payment, the user needs to register the member using the name and the mobile phone number, and the biometric registration is required after the member is registered.
  • the specific process of registration is shown in Figure 1.
  • step 101 the terminal performs membership registration by acquiring the name of the user and the mobile phone number. After the member is successfully registered, the user obtains a corresponding member number, and the user can log in to the terminal through the member number.
  • the mobile phone number registered by the user is used as the member number of the user.
  • the terminal After the member is successfully registered, the terminal further collects the user data and the biometric characteristics of the user for registration; in this embodiment, the user data includes a face recognition password, a bank card number, and a corresponding bank card password; the user's biometrics include facial image data. And MPG data.
  • step 102 the terminal first scans the user's hand vein (ie, the palm meridian), obtains the user's MPG data, and determines whether the MPG data is successfully acquired. If the user's MPG data is successfully obtained, the terminal proceeds to the step. 103; if the user's MP data acquisition fails, return to step 102, re-scan Describe the user's hand veins.
  • the user's hand vein ie, the palm meridian
  • step 103 the terminal scans the facial image of the user, acquires the facial image data of the user, and determines whether the facial image data is successfully acquired. If the facial image data of the user is successfully acquired, the process proceeds to step 104; If the partial image data acquisition fails, the process returns to step 103 to rescan the user's face image.
  • step 104 the terminal acquires a face recognition password of the user, and the face recognition password is defined by the user.
  • the terminal confirms the user's face recognition password twice to ensure that the face recognition password input by the user is the same twice. After the confirmation is successful, the process proceeds to step 105.
  • step 105 the terminal acquires the user's bank card number and the corresponding bank card password, encrypts it, and sends it to the bank, and the bank verifies whether the bank card password is pre-bound to the bank card number of the bank card number, and The verification result is transmitted to the terminal; if the bank card password is a bank card password pre-bound to the bank card number, proceed to step 106, in step 106, the terminal transmits the user's bank card number and the corresponding bank card password to the remote server.
  • step 105 The terminal reacquires the user's bank card number and the corresponding bank card password.
  • the user When making a payment, the user first enters the terminal through the registered mobile phone number, and obtains the registered user data and the biometric characteristics of the user according to the registered mobile phone number to verify the biometric feature of the user. After the verification succeeds, the terminal consumes the amount of the user. Make a payment.
  • step 201 the terminal acquires the mobile phone number of the user. Go to step 202.
  • step 202 the terminal performs a pulse scan on the user to obtain the MPG data, and transmits the acquired MPG data and the mobile phone number of the user to the remote server, and the remote server retrieves the user registration from the MPG database according to the mobile phone number of the user.
  • the MPG data is matched with the acquired MPG data to determine whether the two are consistent, and the judgment result is transmitted to the terminal; if the MPG data is successfully matched, the step is entered. 203; If the MPG data matching is unsuccessful, return to step 202.
  • step 203 the terminal performs facial scanning on the user to obtain facial image data of the user, and retrieves facial image data registered by the user from the facial image database according to the mobile phone number of the user, and matches the acquired facial image data. If the matching of the facial image data is successful, the process proceeds to step 206; if the matching of the facial image data fails, the process proceeds to step 204.
  • step 204 the terminal determines whether the number of times the face image data is acquired is a preset number of times. If the number of times the face image is acquired is not the preset number of times, the process returns to step 203; if the number of times the face image is acquired is preset The number of times proceeds to step 205. In this embodiment, the number of times the face image data is preset is three times.
  • step 205 the terminal acquires the face recognition password of the user, and matches the face recognition password registered by the user to determine whether the two are consistent. If the face recognition password fails to match, the process returns to step 205, if the face image data If the matching is successful, then go to step 206.
  • the terminal encrypts the user's consumption amount and mobile phone number and sends it to the local dynamic library.
  • the local dynamic library obtains the bank card number registered by the user and the corresponding bank card password according to the mobile phone number of the user, and the user's consumption amount, After the bank card number and the corresponding bank card password are encrypted, they are sent to the bank for payment on a point-to-point transmission link, and it is judged whether the payment is successful.
  • step 207 the terminal invokes the bank's electronic signature proof, and after the signature is completed, prints the electronic signature proof and saves it to the user, and transmits the electronic signature proof and the user's facial image to the remote.
  • the server saves; if the payment fails, it returns to step 202.
  • the embodiment of the present invention provides an innovative payment method compared to the prior art.
  • the user's bank card is not needed, and the user does not need to input the bank card password. It not only facilitates the user's payment of the consumption amount, but also avoids the risk of the user being lost due to carrying the bank card.
  • the biometric since the biometric has its unique identifier, the risk of the bank card being stolen by others is avoided.
  • the second embodiment of the present invention provides a biometric-based electronic payment system, as shown in FIG. 3, which includes a member registration module, an acquisition module, and a payment module; the member registration module is used to obtain the user's name and mobile phone number for membership.
  • the registration module is configured to collect user data and biometric characteristics of the user for registration, and when the user performs payment, obtain the registered user data and the biometric characteristics of the user according to the registered mobile phone number of the user, and perform biometric verification on the user. And sending a payment instruction to the payment module; the payment module receives the payment instruction, and pays the user's consumption amount.
  • the user data includes: a user's bank card number and a corresponding bank card password
  • the biometric features include: facial image data and MPG data.
  • the member registration module first obtains the user's name and mobile phone number, and performs member registration on the user. After the member is successfully registered, the user will obtain a corresponding member number, and the user can log in to the electronic payment system through the member number. In this embodiment, the mobile phone number registered by the user is used as the membership number. After the member is successfully registered, the user can enter the collection module for further registration.
  • the acquisition module first performs a hand pulse scan on the user, collects the user's MPG data, and determines whether the MPG data is successfully collected. If the MPG data is successfully collected, the acquisition module continues to scan the face image for the user. The user's facial image data; if the MPG data acquisition fails, the acquisition module will re-scan the user's hand pulse. Similarly, if the face image data acquisition fails, the acquisition module will re-scan the face image of the user. If the face image data is successfully collected, the collection module continues to acquire the user's face recognition password, which is defined by the user. The acquisition module will confirm the user's face recognition password twice to ensure that the face recognition password entered by the user is the same.
  • the collection module will continue to obtain the user's bank card number and correspondingly.
  • the bank card password, and the bank card number and the corresponding bank card password are encrypted and transmitted to the bank.
  • the bank verifies whether the bank card password is pre-bound to the bank card password of the bank card number, and transmits the verification result to the collection module. If the bank card password is a bank card password pre-bound to the bank card number, the collecting module saves the bank card number and the corresponding bank card password, and simultaneously stores the user's MPG data and facial image data in the MPG.
  • the database and the face image database if the bank card password is not the bank card password pre-bound to the bank card number, the collection module will re-acquire the user's bank card number and the corresponding bank card password.
  • the collecting module acquires the registered user data and the biometric characteristics of the user according to the registered mobile phone number of the user, performs biometric verification on the user, and sends a payment instruction to the payment module; the payment module receives the payment instruction, and the user The amount of consumption is paid.
  • the acquisition module performs a pulse scan on the user to obtain the MPG data, and retrieves the user's MPG data from the MPG database according to the user's mobile phone number, and matches the two. If the MPG data is not successfully matched, The acquisition module will then re-scan the user. If the data of the MPG data is successfully matched, the acquisition module will continue to scan the facial image of the user, obtain the facial image data of the user, and retrieve the facial image data of the user from the facial image database according to the mobile phone number of the user. Match the two.
  • the collecting module fails to match the facial image data to the payment module, and the collecting module first determines whether the number of times the facial image data is acquired reaches the preset number of acquisitions, if the facial image data If the number of acquisitions does not reach the preset number of acquisitions, the collection module will re-scan the face image; if the number of acquisitions of the facial image data has reached the preset number of acquisitions, the acquisition module will acquire the face recognition of the user. Password and match the face recognition password registered by the user. In this embodiment, the number of times the face image data is preset is three times.
  • the collection module will reacquire the user's face recognition password. If the face recognition password is successfully matched, the collection module sends a payment instruction to the payment module.
  • the payment module After receiving the payment instruction, the payment module encrypts the user's consumption amount and mobile phone number and sends it to the user.
  • the local dynamic library the local dynamic library obtains the bank card number registered by the user and the corresponding bank card password according to the mobile phone number of the user, encrypts the user's consumption amount, the bank card number and the corresponding bank card password, and sends it to the bank through a point-to-point transmission link. Make a payment and determine if the payment was successful.
  • the payment module will call the bank's electronic signature proof, and after the signature is completed, print out the electronic signature proof and save it to the user, and save the electronic signature proof and the user's face image; if the payment fails, the payment is made.
  • the module will send a re-verification command to the acquisition module. After receiving the instruction, the acquisition module will re-scan the user.
  • the present embodiment is a system embodiment corresponding to the first embodiment, and the present embodiment can be implemented in cooperation with the first embodiment.
  • the related technical details mentioned in the first embodiment are still effective in the present embodiment, and are not described herein again in order to reduce repetition. Accordingly, the related art details mentioned in the present embodiment can also be applied to the first embodiment.
  • each module involved in this embodiment is a logic module.
  • a logical unit may be a physical unit, a part of a physical unit, or multiple physical entities. A combination of units is implemented.
  • the present embodiment does not introduce a unit that is not closely related to solving the technical problem proposed by the present invention, but this does not mean that there are no other units in the present embodiment.

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  • General Business, Economics & Management (AREA)
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Abstract

La présente invention se rapporte au domaine des paiements électroniques. L'invention concerne un procédé de paiement électronique reposant sur une caractéristique biologique et un système de paiement électronique. Dans la présente invention, un terminal obtient le nom et le numéro de téléphone mobile d'un utilisateur pour effectuer l'enregistrement de membre concernant l'utilisateur ; une fois réussi l'enregistrement de membre, le terminal recueille en outre des données d'utilisateur et une caractéristique biologique de l'utilisateur en vue d'un enregistrement ; au cours d'un paiement, le terminal obtient le numéro de téléphone mobile enregistré, obtient les données d'utilisateur enregistrées et la caractéristique biologique de l'utilisateur en fonction du numéro de téléphone mobile, et effectue une vérification de la caractéristique biologique concernant l'utilisateur ; en cas de vérification concluante, un montant de dépenses de l'utilisateur est payé. La présente invention fournit un moyen de paiement innovant. Au cours du processus de paiement électronique, il n'est ni nécessaire d'utiliser une carte bancaire d'un utilisateur, ni nécessaire pour l'utilisateur de saisir un code de carte bancaire, ce qui facilite le paiement du montant de dépenses par l'utilisateur, et empêche également un risque de perte lié au port de la carte bancaire par l'utilisateur. En outre, la caractéristique biologique présente une identité unique, ce qui prévient un risque d'utilisation frauduleuse de la carte bancaire par une autre personne.
PCT/CN2015/081108 2014-11-07 2015-06-09 Procédé de paiement électronique reposant sur une caractéristique biologique WO2016070618A1 (fr)

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CN201410625198.2A CN104361493B (zh) 2014-11-07 2014-11-07 一种基于生物特征的电子支付方法

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