WO2017114289A1

WO2017114289A1 - Bank-card information authentication method, client terminal, and banking system

Info

Publication number: WO2017114289A1
Application number: PCT/CN2016/111563
Authority: WO
Inventors: 才华
Original assignee: 中国银联股份有限公司
Priority date: 2015-12-29
Filing date: 2016-12-22
Publication date: 2017-07-06
Also published as: CN105931050A

Abstract

Provided are a bank-card information authentication method, client terminal, and banking system, used for solving the technical problem of bank-card information secure authentication, comprising: a client terminal photographing a bank card by means of a camera to generate a bank-card image, and obtaining bank card face information; then sending the card face information to the banking system, and the banking system performing secure authentication of the card face information; if the secure authentication is successful, then the client terminal obtaining a human-face image by means of the camera and sending same to the banking system, and the banking system performing secure authentication of the human-face image; if authentication is successful, then the client terminal determining that the authentication of the bank-card information is successful. In the method, when secure authentication of the bank-card information is being performed, it is necessary for the bank card to be physically present, and to perform secure authentication of the bank card face information obtained from the bank card; it is also necessary to perform secure authentication of the holder of the bank card, thereby ensuring the security and reliability of the bank-card information authentication.

Description

Bank card information authentication method, client and banking system

This application claims to be submitted to the Intellectual Property Office of the People's Republic of China on December 29, 2015, the application number is 201511016984.3, and the invention name is “a bank card information authentication method, client and banking system” priority of Chinese patent application. The entire contents are incorporated herein by reference.

Technical field

The invention relates to the technical field of financial security, in particular to a bank card information authentication method, a client and a banking system.

Background technique

With the development of Internet technology and the change of payment methods, most mobile terminals or clients now support the binding of bank cards through mobile applications, so that online payment of orders can be made through mobile applications or browsers, but in the use of lines. Before the payment method, the bank card information is generally required to be securely authenticated. For example, when the bank card account needs to be bound to a payment account (such as an Alipay account or a WeChat account), the bank card information needs to be securely authenticated. To confirm that the user does have the relevant permissions.

In the prior art, when the bank card information is securely authenticated, for example, a certain payment account is bound to a bank card account, and the user needs to input bank card information, such as a bank card number, a bank card password, an ID card number, a name, etc. And send the bank card information to the banking system for security authentication. If the security authentication is passed, the binding is determined to be successful.

The problem with the above method is: if the user's bank card information is stolen, the thief can pass the security of the banking system according to the stolen information even if there is no physical bank card on hand, or even if the bank card owner does not operate by himself. Certification, resulting in economic losses or credit damage to bank card users.

In summary, when the prior art authenticates the bank card information, it only performs authentication according to the bank card information, and there is a great security risk and the security is not high.

Summary of the invention

The invention provides a bank card information authentication method, a client and a banking system, which are used to solve the authentication of the bank card information existing in the prior art, and only perform authentication according to the bank card information, and there is a great security risk. A technical problem with low security.

In a first aspect, an embodiment of the present invention provides a bank card information authentication method, including:

When the client needs to perform information authentication on the bank card, the client takes a picture of the bank card by using a camera and generates a bank card picture, and obtains card face information of the bank card according to the bank card picture;

Sending, by the client, the card face information to a banking system, so that the banking system securely authenticates the card face information;

If the banking system successfully authenticates the card face information, the client sends the face image to the banking system after acquiring the face image through the camera, so that the banking system according to the The card face information and the face image perform security authentication on the face image;

If the banking system successfully authenticates the face image, the client confirms that the bank card information is successfully authenticated.

Optionally, after the client sends the card face information to the banking system, after the face image is acquired by the camera, and the face image is sent to the banking system, the method further includes:

The client receives a plurality of feature point location information sent by the banking system;

The client acquires attribute information on a location corresponding to each feature point location information on the bank card image according to the received multiple feature point location information;

The client sends all the acquired attribute information to the banking system, so that the banking system securely authenticates all the attribute information received.

In a second aspect, an embodiment of the present invention provides a client, which includes:

An obtaining unit, configured to take a photo of the bank card by using a camera and generate a bank card picture, and obtain card face information of the bank card according to the bank card picture;

a sending unit, configured to send the card surface information to a banking system, so that the banking system performs security authentication on the card surface information;

If the banking system successfully authenticates the card face information, the face image is acquired by the camera and sent to the banking system, so that the banking system is based on the card face information and The face image performs security authentication on the face image;

And a confirming unit, configured to confirm that the bank card information is successfully authenticated if the banking system successfully authenticates the face image.

Optionally, the obtaining unit is further configured to:

Receiving a plurality of feature point location information sent by the banking system;

Acquiring, according to the received plurality of feature point location information, attribute information on a location on the bank card image corresponding to each feature point location information;

The sending unit is further configured to:

All the acquired attribute information is sent to the banking system, so that the banking system securely authenticates all the attribute information received.

In a third aspect, an embodiment of the present invention provides a bank card information authentication method, including:

The banking system receives the card card face information sent by the client;

Determining, by the banking system, the record information corresponding to the bank card number in the database of the banking system according to the bank card number in the card surface information;

If it is determined that the record information corresponding to the bank card number exists in the database of the banking system, the banking system performs security authentication on the received card surface information according to the record information;

If the card face information is successfully authenticated, the banking system receives the face image sent by the client, and performs security authentication on the face image sent by the client according to the card face information;

If the face image authentication is successful, the banking system sends an authentication success notification message to the client.

Optionally, the banking system receives the facial image sent by the client, and performs security authentication on the facial image sent by the client according to the card surface information, including:

Obtaining, by the banking system, a face image corresponding to the card surface information from a database of the banking system according to the card surface information;

The banking system compares the received face image sent by the client with the face image obtained from the database of the banking system;

If the comparison is successful, the banking system determines that the face image security authentication sent by the client is successful.

Optionally, after the banking system performs the security authentication on the received card surface information according to the record information, before receiving the face image sent by the client, the method further includes:

The banking system sends a plurality of feature point location information to the client, so that the client acquires an attribute on a location corresponding to each feature point location information on the bank card according to the received feature point location information. information;

Receiving, by the banking system, attribute information sent by the client;

The banking system acquires corresponding attribute information from a database of the banking system according to the card face information and the plurality of feature point location information;

The banking system compares the received attribute information sent by the client with the attribute information obtained from the database of the banking system;

If the comparison is successful, the banking system determines that the attribute information sent by the client is successfully authenticated.

In a fourth aspect, an embodiment of the present invention further provides a banking system, including:

a receiving unit, configured to receive bank card face information sent by the client;

a determining unit, configured to determine, according to the bank card number in the card face information, whether there is record information corresponding to the bank card number in the database of the banking system;

a security authentication unit, configured to perform security authentication on the received card surface information according to the record information if it is determined that the record information corresponding to the bank card number exists in the database of the banking system;

Receiving a face image sent by the client, and performing security authentication on the face image sent by the client according to the card face information;

And a sending unit, configured to send an authentication success notification message to the client if the face image is successfully authenticated.

Optionally, the security authentication unit is specifically configured to:

Obtaining, according to the card surface information, a face image corresponding to the card surface information from a database of the banking system;

Comparing the received face image sent by the client with the face image obtained from the database of the banking system;

If the comparison is successful, it is determined that the face image sent by the client is successfully authenticated.

Optionally, the sending unit is further configured to:

Sending a plurality of feature point location information to the client, so that the client acquires attribute information on a location corresponding to each feature point location information on the bank card according to the received feature point location information;

The receiving unit is further configured to:

Receiving attribute information sent by the client;

The security authentication unit is further configured to:

Obtaining corresponding attribute information from a database of the banking system according to the card surface information and the plurality of feature point location information;

Comparing the attribute information sent by the received client with the attribute information obtained from the database of the banking system;

If the comparison is successful, it is determined that the attribute information sent by the client is successfully authenticated.

In a fifth aspect, a client provided by the embodiment of the present invention includes:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

When the client needs to perform information authentication on the bank card, the client takes a picture of the bank card through the camera and generates a bank card picture, and obtains the card face information of the bank card according to the bank card picture; Sending to the banking system to enable the banking system to securely authenticate the card face information; if the banking system successfully authenticates the card face information, pass the camera Sending the face image to the banking system after acquiring the face image, so that the banking system securely authenticates the face image according to the card face information and the face image; If the system successfully authenticates the face image, it is confirmed that the card card information is successfully authenticated.

Optionally, after the at least one processor sends the card face information to the banking system, after the face image is acquired by the camera, and the face image is sent to the banking system, the method further includes: receiving the location Locating a plurality of feature point location information sent by the banking system; acquiring attribute information on a location corresponding to each feature point location information on the bank card image according to the received plurality of feature point location information; all attribute information to be acquired Sent to the banking system to enable the banking system to securely authenticate all attribute information received.

In a sixth aspect, the embodiment of the present invention further provides a banking system, including:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

Receiving bank card face information sent by the client; determining, according to the bank card number in the card face information, whether there is record information corresponding to the bank card number in the database of the banking system; if the banking system is determined The record information corresponding to the bank card number is stored in the database, and the received card face information is securely authenticated according to the record information; if the card face information is successfully authenticated, the client is received Sending a face image, and performing security authentication on the face image sent by the client according to the card face information; if the face image is successfully authenticated, sending an authentication success notification message to the client.

Optionally, the at least one processor is further configured to: obtain, according to the card surface information, a face image corresponding to the card surface information from a database of the banking system; and send the received client The face image is compared with the face image obtained from the database of the banking system; if the comparison is successful, it is determined that the face image security authentication sent by the client is successful.

Optionally, the at least one processor is further configured to: after performing security authentication on the received card surface information according to the record information, before receiving the face image sent by the client, sending And the plurality of feature point location information is sent to the client, so that the client acquires attribute information on a location corresponding to each feature point location information on the bank card according to the received feature point location information; Attribute information sent by the client; obtaining corresponding attribute information from the database of the banking system according to the card face information and the plurality of feature point location information; and receiving the attribute information sent by the client and the slave The attribute information obtained in the database of the banking system is compared; if the comparison is successful, it is determined that the attribute information sent by the client is successfully authenticated.

In the embodiment of the present invention, when the client needs to perform information authentication on the bank card, the client takes a picture of the bank card through the camera and generates a bank card picture, and obtains the card face information of the bank card according to the bank card picture, and then sends the card face information to The banking system, in order to enable the banking system to securely authenticate the card surface information. When the banking system securely passes the card surface information authentication, the client obtains the face image through the camera and sends the face image to the banking system to make the banking system The face image is securely authenticated according to the card face information and the face image. If the authentication is passed, the client determines that the bank card information is successfully authenticated. Therefore, in the embodiment of the present invention, when the bank card information is securely authenticated, the bank card entity is required. The card appears, and the bank card information obtained from the bank card card is securely authenticated, and the bank card holder is also required to perform security certification, thereby ensuring the security and reliability of the bank card information authentication.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention, Those skilled in the art can also obtain other drawings based on these drawings without paying for inventive labor.

1 is a structural diagram of a bank card information authentication system according to an embodiment of the present invention;

2 is a flowchart of a bank card information authentication method according to an embodiment of the present invention;

FIG. 3 is a flowchart of another bank card information authentication method according to an embodiment of the present invention;

4 is a flow chart of interaction of a bank card information authentication method according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of a client according to an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of a bank card system according to an embodiment of the present invention; FIG.

FIG. 7 is a schematic diagram of a client according to an embodiment of the present invention;

FIG. 8 is a schematic diagram of a bank card system according to an embodiment of the present invention.

detailed description

The present invention will be further described in detail with reference to the accompanying drawings, in which . All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

As shown in FIG. 1 , a schematic diagram of a bank card information authentication system according to an embodiment of the present invention includes a banking system 101, a plurality of clients, such as a client 102, and a client 103, wherein the client may be a mobile device, such as a mobile phone. , tablet, or personal computer.

Each client can interact with the banking system 101 through the network. For example, the client sends the acquired bank card information to the banking system 101, and then the banking system 101 performs security authentication and returns the authentication result to the client.

When the user opens the card at the bank, the bank card will be photographed, the user will take a photo of the face, and then the bank card picture and the face information will be stored in the banking system, and the card face information of the bank card, such as the bank card number, For the credit card, the English name and the credit card security code are also included. Therefore, after the card is opened, the bank system stores the picture of the bank card, the corresponding user's face information and the card face information, and of course, some bank card internal information, such as Account amount, transaction log, etc.

The embodiments of the present invention are further described in detail below with reference to the accompanying drawings. As shown in FIG. 2, a bank card information authentication method according to an embodiment of the present invention includes:

Step 201: When the client needs to perform information authentication on the bank card, the client takes a picture of the bank card by using a camera and generates a bank card picture, and acquires card face information of the bank card according to the bank card picture;

Step 202: The client sends the card face information to a banking system, so that the banking system Performing security certification on the card surface information;

Step 203: If the banking system successfully authenticates the card surface information, the client sends the face image to the banking system after acquiring the face image through the camera, so that the banking system Performing security authentication on the face image according to the card face information and the face image;

Step 204: If the banking system successfully authenticates the face image, the client confirms that the bank card information is successfully authenticated.

In the foregoing step 201, there are many situations in which the client needs to perform information authentication on the bank card. For example, when the mobile application is used to bind the bank card account, the bank card needs to be authenticated by the bank account, and when the online banking payment is made through the browser, the bank card is also required. Information authentication.

When the client needs to authenticate the card, the client can send an open command to the camera, and then open the camera. At this time, the user can place the bank card in front of the camera to take a photo, and generate a bank card image. After the bank card image is generated, The card identification information can also be used to obtain the bank card face information in the bank card picture, wherein the card face information refers to the valid information on the front or the back of the bank card, such as the bank card number, English name, credit card security code, and the like.

In the above step 202, after the client obtains the card face information, the card face information is sent to the banking system, and then the card system securely authenticates the card face information, so when the user opens the card, all development users are stored in the banking system. The bank card information, so the card system information sent by the client can be securely authenticated in the banking system. If the card face information sent by the client is recorded in the banking system, the banking system can confirm the card face information sent by the client. All are correct, and then the banking system can send a notification message of successful security authentication to the client. Of course, if the authentication fails, a notification message of failure of the security authentication can also be sent to the client.

In the above step 203, if the client receives the notification message that the card face information authentication is successful, the client system considers that the card system successfully authenticates the card face information, and then sends a camera open command, opens the camera, and prompts the user to perform face recognition, when the client After acquiring the face image of the user, the obtained face image is sent to the banking system, and then the banking system searches for the bank card pre-stored when the card is opened by the card system information that the user successfully authenticated before. Corresponding face image, so the bank system can store the face image sent by the client and the card system when the card is opened The face images are compared and the bank card information is successfully authenticated based on the comparison results.

In the above step 202, the client sends the bank card face information to the banking system for security authentication. In the above step 203, the client sends the face image to the banking system for security. In order to increase security, the fraudulent bank card is prevented from pretending to be a real bank card for security authentication. Therefore, after step 202, before step 203, the security authentication of the bank card authenticity may also be added.

Specifically, after the client sends the card face information to the banking system, after the face image is acquired by the camera and the face image is sent to the banking system, the method further includes:

In the above method, after the bank system successfully authenticates the bank card face information security, the plurality of feature point location information may be sent to the client, wherein the feature point location information refers to the coordinate information of the bank card, for example, the bank in advance When the selected coordinate system of the card is placed on the front side of the bank card, the point in the lower left corner of the bank card is taken as the coordinate origin, the horizontal direction is the coordinate X axis, and the vertical direction is the coordinate Y axis, and the coordinate system is established, so each of the bank cards Points can be represented by a single coordinate.

When the card system is opened for the user, the bank system may pre-extract and store the attribute information of the part of the feature point of the bank card, for example, extract 100 feature point positions, and store corresponding attribute information corresponding to the 100 feature point positions, wherein the attribute information Information such as color, chromaticity, and the like of a feature point position can be used. Therefore, the bank system stores feature point position information of all opened bank cards and attribute information of feature point positions.

The client receives the plurality of feature point location information sent by the banking system, and then, according to the received plurality of feature point location information, acquires attribute information at a location corresponding to each received feature point location information from the bank card image, Then send all the obtained attribute information to the banking system, silver The line system performs security authentication on all the attribute information received. If the attribute information corresponding to the location of the bank card feature point sent by the client matches the attribute information corresponding to the location of the bank card feature point pre-stored by the banking system, it can confirm that the current information is being The bank card to be certified is a real card, otherwise it is confirmed that the bank card currently being authenticated is a forged bank card, so the bank card can send an instruction to stop the authentication process.

Therefore, the above method can enable the user to ensure that the real bank card appears when performing bank card information authentication, otherwise the authentication failure will be caused, thereby improving the security of the bank card information authentication.

In the bank card information authentication method provided by the embodiment of the present invention, when the client needs to perform information authentication on the bank card, the client takes a picture of the bank card through the camera and generates a bank card picture, and obtains the card face information of the bank card according to the bank card picture. Then, the card surface information is sent to the banking system, so that the banking system securely authenticates the card surface information. When the banking system securely passes the card surface information authentication, the client sends the face image through the camera to send the face image to the The banking system is configured to enable the banking system to perform security authentication on the face image according to the card face information and the face image. If the authentication is passed, the client determines that the bank card information is successfully authenticated, and thus the method performs security authentication on the bank card information. The bank card physical card is required to appear, and the bank card face information obtained from the bank card card is securely authenticated, and the bank card holder is also required to perform safety certification, thereby ensuring the security of the bank card information authentication. ,reliability.

The following is a detailed description of another bank card information authentication method provided by the embodiment of the present invention. As shown in FIG. 3, it is a flowchart of another bank card information authentication method provided by an embodiment of the present invention.

Step 301: The banking system receives the card card face information sent by the client.

Step 302: The bank system determines, according to the bank card number in the card face information, whether there is record information corresponding to the bank card number in the database of the banking system;

Step 303: If it is determined that the record information corresponding to the bank card number exists in the database of the banking system, the banking system performs security authentication on the received card surface information according to the record information.

Step 304: If the card face information is successfully authenticated, the banking system receives the face image sent by the client, and performs an image of the face image sent by the client according to the card face information. Full certification;

Step 305: If the face image authentication is successful, the banking system sends an authentication success notification message to the client.

In the above step 301, the banking system receives the card face information of the bank card sent by the client, wherein the card face information of the bank card includes the bank card number, and the credit card further includes an English name and a credit card security code.

In the above step 302, the banking system determines whether there is record information corresponding to the bank card number in the database of the banking system according to the bank card number in the card face information. Since the record information of all opened bank cards is stored in the database of the banking system at the time of card opening, it is only necessary to compare the bank card number in the card face information sent by the client with the bank card stored in the database of the banking system. Yes, it can be confirmed whether there is any record information corresponding to the bank card number in the database of the banking system.

In the above step 303, if it is determined that the record information corresponding to the bank card number exists in the database of the banking system, the banking system performs security authentication on other information in the card card face information sent by the client, such as an English name. , credit card security code, etc., to further confirm whether the card face information of the bank card is completely correct, thereby increasing the security and integrity of the verification.

In the above step 304, if the card face information is successfully authenticated in step 303, the banking system receives the face image sent by the client, and performs security authentication on the face image sent by the client according to the card face information.

Specifically, the banking system receives the face image sent by the client, and performs security authentication on the face image sent by the client according to the card face information, including:

In addition, after the step 303, before the step 304, the bank card may be further securely verified. Specifically, after the banking system performs the security authentication on the received card surface information according to the record information, the receiving system Before describing the face image sent by the client, it also includes:

Receiving, by the banking system, attribute information sent by the client;

In the above method, after the bank system successfully authenticates the bank card face information security, the plurality of feature point location information is sent to the client, wherein the feature point location information refers to the coordinate information of the bank card, for example, the bank card in advance When the selected coordinate system is placed on the front of the bank card, the point in the lower left corner of the bank card is taken as the coordinate origin, the horizontal direction is the coordinate X axis, and the vertical direction is the coordinate Y axis, and the coordinate system is established, so each point in the bank card Can be represented by a coordinate.

The client receives the plurality of feature point location information sent by the banking system, and then, according to the received plurality of feature point location information, acquires attribute information at a location corresponding to each received feature point location information from the bank card image, Then, all the obtained attribute information is sent to the banking system, and the banking system performs security authentication on all the attribute information received, specifically, if the client sends If the attribute information corresponding to the location of the bank card feature point matches the attribute information corresponding to the location of the bank card feature point pre-stored by the banking system, it can be confirmed that the bank card currently being authenticated is a real card, otherwise the bank card currently being authenticated is confirmed. It is a forged bank card, so the bank card can send instructions to stop the authentication process.

In the above step 305, if the face image authentication is successful, the banking system sends an authentication success notification message to the client, indicating that the authentication of the bank card is passed.

The following is a detailed description of the interaction between the client and the banking system in the secure authentication of the bank card information. As shown in FIG. 4, it is an interactive flowchart of the bank card information authentication method provided by the embodiment of the present invention.

Step 401: The client photographs the bank card through the camera and generates a bank card picture, and obtains card face information of the bank card according to the bank card picture;

Step 402: The client sends the card surface information to the banking system.

Step 403: The banking system determines, according to the bank card number in the card face information, whether there is record information corresponding to the bank card number in the database of the banking system;

Step 404: If it is determined that the record information corresponding to the bank card number exists in the database of the banking system, the banking system performs security authentication on the received card surface information according to the record information.

Step 405: If the security authentication is successful, the banking system sends a card face information authentication success notification message to the client, where the card face information authentication success notification message further includes a plurality of feature point location information;

Step 406: The client obtains attribute information on a location on the bank card image corresponding to each feature point location information according to the received multiple feature point location information.

Step 407: The client sends all the attribute information obtained to the banking system.

Step 408: The banking system performs security authentication on all the attribute information received, and if the authentication is successful, sends an attribute information verification success notification message to the client;

Step 409: After receiving the attribute information verification success notification message, the client obtains a face image through the camera.

Step 710: The client sends the face image to the face image message and sends the image to the banking system.

Step 411: The banking system performs security authentication on the received face image.

Step 412: If the banking system successfully authenticates the received face image, send a face image security authentication success notification message to the client.

Step 413: If the client receives the face image security authentication success notification message sent by the banking system, it confirms that the bank card information is successfully authenticated.

Based on the same technical concept, an embodiment of the present invention further provides a client. As shown in FIG. 5, the client provided by the embodiment of the present invention includes:

The obtaining unit 501 is configured to: when the information of the bank card needs to be authenticated, photograph the bank card by using a camera, generate a bank card picture, and obtain card face information of the bank card according to the bank card picture;

The sending unit 502 is configured to send the card surface information to the banking system, so that the banking system performs security authentication on the card surface information;

The confirmation unit 503 is configured to confirm that the bank card information is successfully authenticated if the banking system successfully authenticates the face image.

Optionally, the obtaining unit 501 is further configured to:

The sending unit 502 is further configured to:

Based on the same technical concept, an embodiment of the present invention further provides a banking system. As shown in FIG. 6, the banking system provided by the embodiment of the present invention includes:

The receiving unit 601 is configured to receive bank card face information sent by the client;

The determining unit 602 is configured to determine, according to the bank card number in the card face information, whether the record information corresponding to the bank card number exists in the database of the banking system;

The security authentication unit 603 is configured to: if it is determined that the record information corresponding to the bank card number exists in the database of the banking system, perform security authentication on the received card surface information according to the record information;

The sending unit 604 is configured to send an authentication success notification message to the client if the face image is successfully authenticated.

Optionally, the security authentication unit 603 is specifically configured to:

Optionally, the sending unit 604 is further configured to:

The receiving unit 601 is further configured to:

Receiving attribute information sent by the client;

The security authentication unit 603 is further configured to:

Based on the same concept, referring to FIG. 7, a hardware structure diagram of a client 700 according to an embodiment of the present invention includes:

One or more processors 710 and memory 720, one processor 710 is taken as an example in FIG.

The client executing the bank card information authentication method may further include: an input device 730 and an output device 740.

The processor 710, the memory 720, the input device 730, and the output device 740 may be connected by a bus or other means, as exemplified by a bus connection in FIG.

The memory 720 is a non-volatile computer readable storage medium, and is applicable to a non-volatile software program, a non-volatile computer executable program, and a module, as in the bank card information authentication method in the embodiment of the present invention. Program instructions/modules (for example, acquisition unit 501, transmission unit 502, confirmation unit 503 shown in FIG. 5). The processor 710 executes various functional applications and data processing of the server by running non-volatile software programs, instructions, and modules stored in the memory 720, that is, implementing the bank card information authentication method of the above method embodiment.

The memory 720 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function; the storage data area may store data created by use of the processing device operated according to the list item, and the like. . Moreover, memory 720 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 720 can optionally include memory remotely located relative to processor 710 that can be connected to the processing device of the list item operation over a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks, mobile communication networks, and combinations thereof.

Input device 730 can receive input numeric or character information and generate key signal inputs related to user settings and function controls of the client. The output device 740 can include a display device such as a display screen.

The one or more modules are stored in the memory 720 when the one or more When the processor 710 executes, the bank card information authentication method in any of the above method embodiments is executed.

The above product can perform the method provided by the embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method. For technical details that are not described in detail in this embodiment, reference may be made to the method provided by the embodiments of the present invention.

The client of the embodiment of the present invention exists in various forms, including but not limited to:

(1) Mobile communication devices: These devices are characterized by mobile communication functions and are mainly aimed at providing voice and data communication. Such terminals include: smart phones (such as iPhone), multimedia phones, functional phones, and low-end phones.

(2) Ultra-mobile personal computer equipment: This type of equipment belongs to the category of personal computers, has computing and processing functions, and generally has mobile Internet access. Such terminals include: PDAs, MIDs, and UMPC devices, such as the iPad.

(3) Portable entertainment devices: These devices can display and play multimedia content. Such devices include: audio, video players (such as iPod), handheld game consoles, e-books, and smart toys and portable car navigation devices.

(4) Server: A device that provides computing services. The server consists of a processor, a hard disk, a memory, a system bus, etc. The server is similar to a general-purpose computer architecture, but because of the need to provide highly reliable services, processing power and stability High reliability in terms of reliability, security, scalability, and manageability.

(5) Other electronic devices with data interaction functions.

The at least one processor 710 is configured to: when the client needs to perform information authentication on the bank card, photograph the bank card by using a camera, generate a bank card picture, and obtain the bank card according to the bank card picture. Card face information; sending the card face information to the banking system, so that the banking system securely authenticates the card face information; if the banking system successfully authenticates the card face information, passes the camera Sending the face image to the banking system after acquiring the face image, so that the banking system securely authenticates the face image according to the card face information and the face image; If the system successfully authenticates the face image, it is confirmed that the card card information is successfully authenticated.

Optionally, after the at least one processor 710 sends the card face information to the banking system, before acquiring the face image by the camera and sending the face image to the banking system, the method further includes: receiving And acquiring, by the banking system, a plurality of feature point location information; acquiring, according to the received plurality of feature point location information, attribute information on a location corresponding to each feature point location information on the bank card image; all attributes to be acquired Information is sent to the banking system to enable the banking system to securely authenticate all of the attribute information received.

Based on the same concept, referring to FIG. 8, a hardware structure diagram of a client 800 according to an embodiment of the present invention includes:

One or more processors 810 and memory 820, one processor 810 is taken as an example in FIG.

The banking system that performs the bank card information authentication method may further include: an input device 830 and an output device 840.

The processor 810, the memory 820, the input device 830, and the output device 840 may be connected by a bus or other means, as exemplified by a bus connection in FIG.

The memory 820 is a non-volatile computer readable storage medium and can be used for storing a non-volatile software program, a non-volatile computer executable program, and a module, as in the bank card information authentication method in the embodiment of the present invention. Program instructions/modules (for example, the receiving unit 601, the determining unit 602, the secure authentication unit 603, and the transmitting unit 604 shown in FIG. 6). The processor 810 executes various functional applications and data processing of the server by running non-volatile software programs, instructions, and modules stored in the memory 820, that is, implementing the bank card information authentication method of the above method embodiment.

The memory 820 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function; the storage data area may store data created by use of the processing device operated according to the list item, and the like. . Moreover, memory 820 can include high speed random access memory, and can also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 820 can optionally include memory remotely located relative to processor 810, which can be connected to the processing device of the list item operation over a network. Examples of the above networks include, but are not limited to, the Internet, enterprises Intranet, local area network, mobile communication network and combinations thereof.

Input device 830 can receive input numeric or character information and generate key signal inputs related to user settings and function control of the banking system. The output device 840 can include a display device such as a display screen.

The one or more modules are stored in the memory 820, and when executed by the one or more processors 810, perform the bank card information authentication method in any of the above method embodiments.

The banking system of the embodiments of the present invention exists in various forms including, but not limited to:

(5) Other electronic devices with data interaction functions.

The at least one processor 810 is configured to:

Receiving bank card face information sent by the client; determining, according to the bank card number in the card face information, whether the record information corresponding to the bank card number exists in the database of the banking system; If it is determined that the record information corresponding to the bank card number exists in the database of the banking system, the card face information received is securely authenticated according to the record information; if the card face information is successfully authenticated, Receiving a face image sent by the client, and performing security authentication on the face image sent by the client according to the card face information; if the face image authentication is successful, sending an authentication success notification message to The client.

Optionally, the at least one processor 810 is further configured to: obtain, according to the card face information, a face image corresponding to the card face information from a database of the banking system; send the received client The face image is compared with the face image obtained from the database of the banking system; if the comparison is successful, it is determined that the face image security authentication sent by the client is successful.

Optionally, the at least one processor 810 is further configured to: after performing security authentication on the received card surface information according to the record information, sending multiple features before receiving the face image sent by the client Pointing the location information to the client, so that the client obtains attribute information on the location corresponding to each feature point location information on the bank card according to the received feature point location information; and receiving the client to send Attribute information; obtaining corresponding attribute information from a database of the banking system according to the card face information and the plurality of feature point location information; and receiving attribute information sent by the client from the banking system The attribute information obtained in the database is compared; if the comparison is successful, it is determined that the attribute information sent by the client is successfully authenticated.

The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (system), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device. Means for implementing the functions specified in one or more of the flow or in a block or blocks of the flow chart.

These computer program instructions can also be stored in a bootable computer or other programmable data processing device. In a computer readable memory that operates in a particular manner, causing instructions stored in the computer readable memory to produce an article of manufacture comprising an instruction device implemented in one or more flows and/or block diagrams of the flowchart The function specified in the box or in multiple boxes.

These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device. The instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

While the preferred embodiment of the invention has been described, it will be understood that Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and the modifications and

It is apparent that those skilled in the art can make various modifications and variations to the invention without departing from the spirit and scope of the invention. Thus, it is intended that the present invention cover the modifications and modifications of the invention

Claims

A bank card information authentication method, characterized in that it comprises:

When the client needs to perform information authentication on the bank card, the client takes a picture of the bank card by using a camera and generates a bank card picture, and obtains card face information of the bank card according to the bank card picture;

Sending, by the client, the card face information to a banking system, so that the banking system securely authenticates the card face information;

If the banking system successfully authenticates the card face information, the client sends the face image to the banking system after acquiring the face image through the camera, so that the banking system according to the The card face information and the face image perform security authentication on the face image;

If the banking system successfully authenticates the face image, the client confirms that the bank card information is successfully authenticated.
The method according to claim 1, wherein the client sends the face image to the banking system after acquiring the face image through the camera after transmitting the card face information to the banking system Previously, it also included:

The client receives a plurality of feature point location information sent by the banking system;

The client acquires attribute information on a location corresponding to each feature point location information on the bank card image according to the received multiple feature point location information;

The client sends all the acquired attribute information to the banking system, so that the banking system securely authenticates all the attribute information received.
A bank card information authentication method, characterized in that it comprises:

The banking system receives the card card face information sent by the client;

Determining, by the banking system, the record information corresponding to the bank card number in the database of the banking system according to the bank card number in the card surface information;

If it is determined that the record information corresponding to the bank card number exists in the database of the banking system, the banking system securely recognizes the received card surface information according to the record information. certificate;

If the card face information is successfully authenticated, the banking system receives the face image sent by the client, and performs security authentication on the face image sent by the client according to the card face information;

If the face image authentication is successful, the banking system sends an authentication success notification message to the client.
The method according to claim 3, wherein the banking system receives a face image sent by the client, and performs security authentication on the face image sent by the client according to the card face information, including :

Obtaining, by the banking system, a face image corresponding to the card surface information from a database of the banking system according to the card surface information;

The banking system compares the received face image sent by the client with the face image obtained from the database of the banking system;

If the comparison is successful, the banking system determines that the face image security authentication sent by the client is successful.
The method according to claim 3, wherein the banking system, after performing the security authentication on the received card surface information according to the record information, before receiving the face image sent by the client, further includes :

The banking system sends a plurality of feature point location information to the client, so that the client acquires an attribute on a location corresponding to each feature point location information on the bank card according to the received feature point location information. information;

Receiving, by the banking system, attribute information sent by the client;

The banking system acquires corresponding attribute information from a database of the banking system according to the card face information and the plurality of feature point location information;

The banking system compares the received attribute information sent by the client with the attribute information obtained from the database of the banking system;

If the comparison is successful, the banking system determines that the attribute information sent by the client is successfully authenticated.
A client, comprising:

An obtaining unit, configured to take a photo of the bank card by using a camera and generate a bank card picture, and obtain card face information of the bank card according to the bank card picture;

a sending unit, configured to send the card surface information to a banking system, so that the banking system performs security authentication on the card surface information;

If the banking system successfully authenticates the card face information, the face image is acquired by the camera and sent to the banking system, so that the banking system is based on the card face information and The face image performs security authentication on the face image;

And a confirming unit, configured to confirm that the bank card information is successfully authenticated if the banking system successfully authenticates the face image.
The client according to claim 6, wherein the obtaining unit is further configured to:

Receiving a plurality of feature point location information sent by the banking system;

Acquiring, according to the received plurality of feature point location information, attribute information on a location on the bank card image corresponding to each feature point location information;

The sending unit is further configured to:

All the acquired attribute information is sent to the banking system, so that the banking system securely authenticates all the attribute information received.
A banking system, comprising:

a receiving unit, configured to receive bank card face information sent by the client;

a determining unit, configured to determine, according to the bank card number in the card face information, whether there is record information corresponding to the bank card number in the database of the banking system;

a security authentication unit, configured to perform security authentication on the received card surface information according to the record information if it is determined that the record information corresponding to the bank card number exists in the database of the banking system;

Receiving a face image sent by the client, and performing security authentication on the face image sent by the client according to the card face information;

And a sending unit, configured to send an authentication success notification message to the client if the face image is successfully authenticated.
The banking system according to claim 8, wherein the security authentication unit is specifically configured to:

Obtaining, according to the card surface information, a face image corresponding to the card surface information from a database of the banking system;

Comparing the received face image sent by the client with the face image obtained from the database of the banking system;

If the comparison is successful, it is determined that the face image sent by the client is successfully authenticated.
The banking system according to claim 8, wherein said transmitting unit is further configured to:

Sending a plurality of feature point location information to the client, so that the client acquires attribute information on a location corresponding to each feature point location information on the bank card according to the received feature point location information;

The receiving unit is further configured to:

Receiving attribute information sent by the client;

The security authentication unit is further configured to:

Obtaining corresponding attribute information from a database of the banking system according to the card surface information and the plurality of feature point location information;

Comparing the attribute information sent by the received client with the attribute information obtained from the database of the banking system;

If the comparison is successful, it is determined that the attribute information sent by the client is successfully authenticated.
A client, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the method of any of claims 1-2.
A banking system, comprising:

At least one processor; and,

a memory communicatively coupled to the at least one processor; wherein

The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to perform the method of any of claims 3-5.