WO2017167037A1 - 基于人脸识别和hce的支付认证方法及认证系统 - Google Patents

基于人脸识别和hce的支付认证方法及认证系统 Download PDF

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WO2017167037A1
WO2017167037A1 PCT/CN2017/077223 CN2017077223W WO2017167037A1 WO 2017167037 A1 WO2017167037 A1 WO 2017167037A1 CN 2017077223 W CN2017077223 W CN 2017077223W WO 2017167037 A1 WO2017167037 A1 WO 2017167037A1
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information
verification code
user
image information
background system
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English (en)
French (fr)
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才华
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the present invention relates to the field of payment technologies, and in particular, to a face authentication and HCE-based payment authentication method and an authentication system.
  • NFC Near Field Communication
  • RFID contactless radio frequency identification
  • NXP Philips Semiconductors
  • Nokia Samsung and Sony
  • RFID and interconnect technology based on RFID and interconnect technology.
  • Near field communication is a short-range, high-frequency radio technology that operates at a distance of 20 cm at a frequency of 13.56 MHz.
  • Near field communication has passed the ISO/IEC IS 18092 international standard, the EMCA-340 standard and the ETSI TS 102 190 standard.
  • NFC is a close-range connection protocol that provides easy, secure, fast and automatic communication between devices. Compared to other connections in the wireless world, NFC is a close-range, private communication method.
  • Face recognition especially computer technology that uses analysis and comparison. Face recognition belongs to biometric recognition technology, which is to distinguish the biological individual from the biological characteristics of the organism (generally referred to as human).
  • the face recognition technology is based on the facial features of a person, on the input face image or video stream. First, it is judged whether there is a face, and if there is a face, the position, size and each of each face are further given. Location information of the main facial organs. Based on this information, the identity features contained in each face are further extracted and compared with known faces to identify the identity of each face.
  • Biometrics studied by biometrics include face, fingerprint, palmprint, iris, retina, sound (speech), body shape, personal habits (such as the strength and frequency of typing on the keyboard, signature), etc., and the corresponding recognition technology is available.
  • the regional feature analysis algorithm widely used in face recognition technology combines computer image processing technology with the principle of biostatistics. It uses computer image processing technology to extract portrait feature points from video, using the principle of biostatistics. Analyze and establish a mathematical model, that is, a face feature template. Using the established face feature template and the face image of the person being tested, the feature analysis is performed, and a similar value is given according to the analysis result, and the value can be used to determine whether it is the same person.
  • the present invention has been made in an effort to provide a face recognition and HCE-based payment authentication method and a payment authentication method capable of securing payment and improving payment convenience.
  • the information registration step acquires user information, face image information, and bank card information, binds the acquired user information, face image information, and bank card information, and stores the binding relationship generation association table in the background system;
  • the mobile terminal acquires a random verification code from the background system
  • the merchant terminal acquires the face image information of the user by using the face recognition technology, the face image information acquired by the merchant terminal, the random verification code obtained from the mobile terminal, and the transaction.
  • the information is sent to the backend system for verification as a transaction request, and the backend system verifies the random verification code and the face image information and forwards the transaction request to the bank card system to complete the transaction if the verification passes.
  • the user information is a user ID and/or a user mobile phone number.
  • the information registration step comprises the following sub-steps:
  • the face image information is encrypted and stored in a background system.
  • the payment authentication step comprises the following sub-steps:
  • the user initiates a payment request to the background system through the mobile terminal;
  • the background system After receiving the payment request, the background system generates a random verification code and sends it to the mobile terminal;
  • the background system searches the association table already stored in the background system according to the sent face image information, and obtains user information, random verification code, and bank card information corresponding to the face image information;
  • the merchant terminal sends the random verification code, the transaction amount information and the merchant information to form a transaction message and send it to the background system for verification;
  • the background system In the case where the background system is verified by the random verification code, the background system forwards the transaction message to the bank card system for payment transactions.
  • the payment authentication step comprises the following sub-steps:
  • the user initiates a payment request to the background system through the mobile terminal;
  • the background system After receiving the payment request, the background system generates a random verification code and sends it to the mobile terminal;
  • the merchant terminal automatically captures user face image information by using face recognition technology
  • the merchant terminal sends the face image information, the random verification code, the transaction amount information and the merchant information to form a transaction message and sends it to the background system for verification;
  • the background system searches for the association table already stored in the background system according to the sent face image information, and verifies whether the random verification code sent on the same is consistent with the generated random verification code;
  • the background system In the case where the background system is verified by the random verification code, the background system forwards the transaction message to the bank card system for payment transactions.
  • the background system actively updates the random verification code according to the user request, or
  • the background system periodically updates the random verification code according to the user request to actively update the random verification code.
  • the mobile terminal is used to acquire user information, face image information, and bank card information in the information registration phase and send to the background system, and is used in the payment authentication phase to obtain the following random verification code from the background system described below;
  • the background system in the information a registration phase for correspondingly storing user information, face image information, and bank card information acquired from the mobile terminal, and in the payment authentication phase, generating a random verification code and transmitting the same to the mobile terminal, and
  • the merchant terminal verifies the face image information and random after receiving the transaction request Verification code, and forward the transaction request to the bank card system if the verification is passed;
  • the merchant terminal is configured to acquire the face image information of the user and obtain the random verification code from the mobile terminal, and send the acquired face image information, the random verification code, and the transaction information as a transaction request to the background.
  • the system performs verification;
  • a bank card system for completing a transaction in accordance with the transaction request.
  • the user information is a user ID and/or a user mobile phone number.
  • the merchant terminal system has:
  • a face recognition device for collecting facial image information
  • NFC device based on NFC technology for information transmission and reception
  • the mobile terminal has:
  • NFC module based on NFC technology for information transmission and reception
  • the background system encrypts and stores face image information.
  • the background system is configured to establish and store an association table representing binding relationships between user information, face image information, and bank card information.
  • the background system actively updates the random verification code according to the user request, or the background system periodically updates the random verification code according to the user request to actively update the random verification code.
  • the face recognition and HCE-based payment authentication system and the payment authentication method of the present invention capture face image information through face recognition technology and use NFC technology to realize interaction between the mobile terminal and the merchant terminal, and use the face image information as a transaction process.
  • the user does not need to input the sensitive information such as the bank card number and the bank card password on site, not only the user participation is small, the payment process Convenient, and because there is no need for real card and password information, it can be guaranteed that the user's bank card number and password are not easily stolen by others.
  • FIG. 1 is a block diagram showing the configuration of a face recognition and HCE-based payment authentication system of the present invention.
  • FIG. 2 is a schematic diagram showing the flow of data in the information registration step in the face recognition and HCE-based payment authentication method according to the first embodiment of the present invention.
  • FIG. 3 is a diagram showing a face authentication and HCE-based payment authenticator according to the first embodiment of the present invention. The flow of data in the French-Chinese transaction authentication step.
  • FIG. 4 is a schematic diagram showing the flow of data in the transaction authentication step in the face recognition and HCE-based payment authentication method according to the second embodiment of the present invention.
  • FIG. 1 is a block diagram showing the configuration of a face recognition and HCE-based payment authentication system of the present invention.
  • the face recognition and HCE-based payment authentication system of the present invention includes a mobile terminal 100, a background system 200, a bank card system 300, and a merchant terminal 400.
  • the mobile terminal 100 is used to acquire user information, face image information, and bank card information in the information registration phase and send it to the background system 200 for acquiring the following random verification code from the background system 200 in the payment authentication phase.
  • the mobile terminal 100 includes an NFC module 101 that transmits and receives information based on an NFC technology, and a camera 102 that collects face image information.
  • the background system 200 is configured to correspondingly store the user information, the face image information, and the bank card information acquired from the mobile terminal 100 in the information registration phase, and is used to generate a random verification code and send it to the mobile terminal 100 in the payment authentication phase, and The verification of the face image information and the random verification code is received after receiving the transaction request from the merchant terminal 400, and the transaction request is forwarded to the bank card system 300 if the verification is passed.
  • the bank card system 300 is used to complete the transaction in accordance with the transaction request.
  • the merchant terminal 400 is configured to acquire the face image information of the user in the payment authentication phase and acquire the random verification code from the mobile terminal 100, and send the acquired face image information, the random verification code, and the transaction information as a transaction request to the background system 200. authenticating.
  • the merchant terminal system 400 includes a face recognition device 401 for collecting face image information, and an NFC device 402 for transmitting and receiving information based on the NFC technology.
  • the host-based card emulation refers to a host-based card emulation.
  • Card simulation is implemented on a mobile terminal equipped with an NFC function.
  • the face recognition and HCE-based payment authentication method of the present invention can be easily divided into two major stages: an information registration step and a payment authentication step.
  • FIG. 2 is a diagram showing a face authentication and HCE-based payment authenticator according to the first embodiment of the present invention.
  • 3 is a schematic diagram showing the flow of data in the transaction authentication step in the face recognition and HCE-based payment authentication method according to the first embodiment of the present invention.
  • the information registration step includes the following sub-steps:
  • Step S100 Registering the member by the mobile terminal 100 and verifying the mobile phone number, generating a unique user ID, and storing the mobile phone number and user information such as the user ID in the background system 200.
  • the user ID for a consumer place such as a large supermarket, for example, a member card ID of a supermarket may be used.
  • a member card ID of a supermarket may be used.
  • Step S101 Using the camera provided in the mobile terminal 100, the face image information is collected, associated with the user ID or/and the mobile phone number, sent to the background system 200 by secure communication, and stored in the background system 200.
  • Step S102 Binding the bank card information with the user ID or/and the mobile phone number. Specifically, the mobile terminal 100 inputs the bank card information, inputs the password, and sends the password to the background system 200 through the secure communication method.
  • Step S103 The background system 200 forwards the bank card information to the bank card system 300 for verification, and completes the binding of the bank card information after the verification is passed.
  • the step S101 and the step S102 can be implemented by the mobile terminal 100 or by the field terminal.
  • the association between the user ID and/or the mobile phone number and the bank card information and the face image information is established between the mobile terminal 100 and the background system 200 through steps S100, S101, S102, and S103.
  • an association table between the user ID and the face image information, the bank card information, and the mobile phone number is established, or an association table between the mobile phone number and the face image information and the bank card information is established.
  • the payment authentication step includes the following sub-steps:
  • Step S200 When the user makes a payment on the counter after purchasing the product, the user initiates a payment request to the background system 200 through the mobile terminal 100, for example, by clicking a payment button or the like in the mobile terminal 100.
  • Step S201 After receiving the payment request, the background system 200 generates a random verification code and sends it to the mobile terminal 100, and the mobile terminal 100 stores the random verification code.
  • Step S202 The cashier scans the commodity at the merchant terminal 400, obtains the commodity amount, and informs the user of the consumption amount.
  • Step S203 The user face image is automatically captured by the face recognition device provided by the merchant terminal 400 and sent to the background system 200.
  • Step S204 The background system 200 searches the association table already stored in the background system 200 according to the sent face image information, and finds the user ID corresponding to the face image information and the mobile phone according to the sent face image information. Number, random verification code, and bank card information.
  • Step S205 The user approaches the mobile terminal 100 to the NFC device provided in the merchant terminal 400, and transmits the random verification code stored in the mobile terminal 100 to the merchant terminal 400 by the NFC method.
  • Step S206 The merchant terminal 400 sends the random verification code, the transaction amount information, and the merchant information (which may also include the user ID and the mobile phone number) to the backend system 200 for verification.
  • Step S207 The background system 200 verifies whether the random verification code is consistent. When the random verification code passes the verification, the transaction message is forwarded to the bank card system 300 for payment transaction.
  • bank card card information and bank card password information do not need to appear in the payment process to avoid information leakage.
  • two-factor authentication that is, "face recognition + NFC brush mobile phone”
  • face recognition + NFC brush mobile phone through double verification, it is possible to ensure reliable identity and ensure payment security.
  • the process of swiping the mobile phone only verifies the proprietary random verification code, which is independent of the real password, and ensures that the bank card information and the password are not stolen.
  • the random verification code may be actively updated at any time or periodically updated in the background.
  • the face recognition and HCE-based payment authentication method according to the present invention can improve the convenience of the user, because the user carries the bank card, and if there is a membership card and a user ID, there is no need to carry the membership card. Just carry your phone. Moreover, the user only needs to open the mobile phone during the payment process and swipe the mobile phone to complete the transaction.
  • the face recognition and HCE-based payment authentication method according to the second embodiment of the present invention can be roughly divided into two major stages as in the first embodiment: an information registration step and a payment authentication step.
  • the information registration step is the same as the information registration step in the first embodiment, and the payment authentication step is different from the first embodiment. Next, only the payment authentication step in the second embodiment will be described.
  • FIG. 4 is a schematic diagram showing the flow of data in the registration procedure in the face recognition and HCE-based payment authentication method according to the second embodiment of the present invention.
  • the payment authentication step As shown in FIG. 4, the payment authentication step will be described next. As shown in Figure 4, the payment authentication step includes the following sub-steps:
  • Step S300 After the user purchases the product, the user makes a payment at the counter, and the user initiates a payment request to the background system 200 through the mobile terminal 100, for example, by clicking a payment button or the like in the mobile terminal 100.
  • Step S301 After receiving the payment request, the background system 200 generates a random verification code and sends it to the mobile terminal 100, and the mobile terminal 100 stores the random verification code.
  • Step S302 The cashier scans the commodity at the merchant terminal 400, obtains the commodity amount, and informs the user of the consumption amount.
  • Step S303 The user face image is automatically captured by the face recognition device provided by the merchant terminal 400.
  • Step S304 The user approaches the mobile terminal 100 to the NFC device provided in the merchant terminal 400, and transmits the random verification code stored in the mobile terminal 100 to the merchant terminal 400 by the NFC method using the HCE technology.
  • Step S305 The merchant terminal 400 composes the captured user face image, the random verification code (which may also include the user ID and the mobile phone number) acquired from the mobile terminal 100 by using the NFC method, the transaction amount information, and the merchant information, and the like, and constitutes a transaction message. It is sent to the background system 200 for verification.
  • the random verification code which may also include the user ID and the mobile phone number
  • Step S306 The background system 200 searches for the association table already stored in the background system 200 according to the sent face image information, and finds the user ID and the mobile phone number corresponding to the face image information according to the sent face image information.
  • the random verification code and the bank card information, and the background system 300 verifies whether the received random verification code is consistent with the previously generated random verification code.
  • Step S307 In the case where the verification of the random verification code by the background system 200 is passed, the background system 200 forwards the transaction message to the bank card system 300 for payment transactions.
  • the second embodiment is different from the first embodiment in that the merchant terminal in the second embodiment 400, the captured user face image, the random verification code (which may also include the user ID and the mobile phone number), the transaction amount information, and the merchant information acquired from the mobile terminal 100 are sent to the back-end system.
  • the face image information and the random verification code are transmitted to the background system 200, respectively.
  • the face recognition and HCE-based payment authentication system and the payment authentication method of the present invention use the face recognition technology to acquire face image information, and interact with the merchant terminal through the NFC method, and use the face image information and the random verification code as the transaction process.
  • Identity authentication information Under the premise of ensuring the security of the transaction, the user does not need to input sensitive information such as the bank card number and the bank card password on the spot, which not only has less user participation, but also has a convenient payment process, and can also ensure the user because there is no need for real card and password information.
  • the bank card number and password are not easily stolen by others.
  • the face recognition and HCE-based payment authentication system and payment authentication method proposed by the present invention are particularly suitable for a member-based large supermarket, and the user ID, the face image information and the bank card information are bound in advance to make a payment.
  • you do not need to swipe your card and enter a password you only need to obtain the face image information to realize automatic payment. Therefore, it can avoid the safety hazards such as cumbersome and password leakage caused by card swiping and transmission, and provide users with a safe, A convenient payment environment to help large member supermarket chains improve their shopping experience.

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Abstract

本发明涉及一种基于人脸识别和HCE的支付认证方法及支付认证系统。该方法包括：信息注册步骤，获取用户信息、人脸图像信息及银行卡信息，将获取的用户信息、人脸图像信息及银行卡信息进行绑定并将该绑定关系生成关联表存储在后台系统；以及支付认证步骤，移动终端从后台系统获取随机验证码，商户终端获取用户的人脸图像信息，商户终端将获取的人脸图像信息、从移动终端获取的随机验证码、以及交易信息作为交易请求发送到后台系统进行验证，后台系统基于关联表进行验证并且在验证通过的情况下将该交易请求转发到银行卡系统用以完成交易。根据本发明，可以提供一种能够提高便捷性并且又能够有效确保支付安全性的认证支付方法以及认证支付系统。

Description

基于人脸识别和HCE的支付认证方法及认证系统 技术领域
本发明涉及支付技术领域，具体涉及基于人脸识别和HCE的支付认证方法以及认证系统。
背景技术
随着，各种支付技术的发展，已经基于NFC技术的支付技术。NFC(近场通信)技术由非接触式射频识别(RFID)演变而来，由飞利浦半导体(现恩智浦半导体)、诺基亚和索尼共同研制开发，其基础是RFID及互连技术。近场通信是一种短距高频的无线电技术，在13.56MHz频率运行于20厘米距离内。近场通信已通过成为ISO/IEC IS 18092国际标准、EMCA-340标准与ETSI TS 102 190标准。NFC是一种近距离连接协议，提供各种设备间轻松、安全、迅速而自动的通信。与无线世界中的其他连接方式相比，NFC是一种近距离的私密通信方式。
另一方面，在支付领域，也已经出现过基于人脸识别进行支付的技术。人脸识别，特指利用分析比较的计算机技术。人脸识别属于生物特征识别技术，是对生物体(一般特指人)本身的生物特征来区分生物体个体。人脸识别技术是基于人的脸部特征，对输入的人脸图像或者视频流.，首先判断其是否存在人脸,如果存在人脸，则进一步的给出每个脸的位置、大小和各个主要面部器官的位置信息。并依据这些信息，进一步提取每个人脸中所蕴涵的身份特征，并将其与已知的人脸进行对比，从而识别每个人脸的身份。
生物特征识别技术所研究的生物特征包括脸、指纹、手掌纹、虹膜、视网膜、声音(语音)、体形、个人习惯(例如敲击键盘的力度和频率、签字)等，相应的识别技术就有人脸识别、指纹识别、掌纹识别、虹膜识别、视网膜识别、语音识别、体形识别、键盘敲击识别、签字识别等。人脸识别技术中被广泛采用的区域特征分析算法，它融合了计算机图像处理技术与生物统计学原理于一体，利用计算机图像处理技术从视频中提取人像特征点，利用生物统计学的原理进行 分析建立数学模型,即人脸特征模板。利用已建成的人脸特征模板与被测者的人的面像进行特征分析，根据分析的结果来给出一个相似值，通过这个值即可确定是否为同一人。
但是，现有技术中还没有提出过将NFC技术和人脸识别技术相互结合的支付方案。
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发明内容
鉴于上述问题，本发明旨在提供一种能够保障支付安全并且能够提高支付便捷性的基于人脸识别和HCE的支付认证方法以及支付认证方法。
本发明的基于人脸识别和HCE的支付认证方法，其特征在于，包括：
信息注册步骤，获取用户信息、人脸图像信息以及银行卡信息，将获取的用户信息、人脸图像信息以及银行卡信息进行绑定并将该绑定关系生成关联表存储在后台系统；以及
支付认证步骤，移动终端从后台系统获取随机验证码，商户终端利用人脸识别技术获取用户的人脸图像信息，商户终端将获取的人脸图像信息、从移动终端获取的随机验证码、以及交易信息作为交易请求发送到后台系统进行验证，后台系统验证随机验证码和人脸图像信息并且在验证通过的情况下将该交易请求转发到银行卡系统用以完成交易。
优选地，所述用户信息为用户ID以及/或者用户手机号码。
优选地，所述信息注册步骤包括下述子步骤：
获取用户信息并传送到后台系统；
采集人脸图像信息并且与所述用户信息进行关联并传送到后台系统加以存储；以及
获取银行卡信息并且将银行卡信息经过后台系统发送到银行卡系统进行验证，在验证通的情况下，实现用户信息、人脸图像信息以及银行卡信息的绑定。
优选地，将所述人脸图像信息加密存储在后台系统中。
优选地，所述支付认证步骤包括下述子步骤：
用户通过移动终端向后台系统发起支付请求；
后台系统收到支付请求后产生随机验证码并发送给移动终端；
在商户终端利用人脸识别技术自动捕捉用户人脸图像并将人脸图像信息上送到后台系统；
后台系统根据上送来的人脸图像信息查找后台系统中已经存储的所述关联表，获得对应于该人脸图像信息的用户信息、随机验证码、以及银行卡信息；
利用NFC技术商户终端从移动终端获取所述随机验证码；
商户终端将所述随机验证码、交易金额信息以及商户信息组成交易报文上送到后台系统进行验证；
后台系统验证上送来的随机验证码是否与产生的随机验证码一致；以及
在后台系统通过随机验证码验证的情况下，后台系统将交易报文转发到银行卡系统进行支付交易。
优选地，所述支付认证步骤包括下述子步骤：
用户通过移动终端向后台系统发起支付请求；
后台系统收到支付请求后产生随机验证码并发送给移动终端；
商户终端利用人脸识别技术自动捕捉用户人脸图像信息；
利用NFC技术商户终端从移动终端获取所述随机验证码；
商户终端将人脸图像信息、随机验证码、交易金额信息以及商户信息组成交易报文上送到后台系统进行验证；
后台系统根据上送来的人脸图像信息查找后台系统中已经存储的所述关联表，验证上送来的随机验证码是否与产生的随机验证码一致；以及
在后台系统通过随机验证码验证的情况下，后台系统将交易报文转发到银行卡系统进行支付交易。
优选地，所述后台系统根据用户请求主动更新随机验证码，或者，
所述后台系统根据用户请求主动更新随机验证码定期更新随机验证码。
本发明的基于人脸识别和HCE的支付认证系统，其特征在于，包括：
移动终端，在信息注册阶段用于获取用户信息、人脸图像信息以及银行卡信息并且发送到后台系统，在支付认证阶段用于从下述后台系统获取下述随机验证码；后台系统，在信息注册阶段，用于对应地存储从所述移动终端获取的用户信息、人脸图像信息以及银行卡信息，在支付认证阶段，用于生成随机验证码并发送给所述移动终端，并且在从下述商户终端收到交易请求后验证人脸图像信息和随机 验证码，并且在验证通过的情况下将该交易请求转发到银行卡系统；
商户终端，在支付认证阶段，用于获取用户的人脸图像信息并且从移动终端获取所述随机验证码，将获取的人脸图像信息、所述随机验证码以及交易信息作为交易请求发送到后台系统进行验证；以及
银行卡系统，用于根据所述交易请求完成交易。
优选地，所述用户信息为用户ID以及/或者用户手机号码。
优选地，所述商户终端系统具备：
人脸识别装置，用于采集人脸图像信息；以及
NFC装置，基于NFC技术进行信息的收发，
所述移动终端具备：
NFC模块，基于NFC技术进行信息的收发；以及
摄像头，用于采集人脸图像信息。
优选地，所述后台系统加密存储人脸图像信息。
优选地，所述后台系统用于建立并存储表示用户信息、人脸图像信息以及银行卡信息之间的绑定关系的关联表。
优选地，所述后台系统根据用户请求主动更新随机验证码，或者所述后台系统根据用户请求主动更新随机验证码定期更新随机验证码。
本发明的基于人脸识别和HCE的支付认证系统和支付认证方法通过人脸识别技术捕获人脸图像信息并且利用NFC技术实现移动终端与商户终端的交互，将人脸图像信息作为交易过程中的身份认证信息，并且用随机验证码代替交易中的银行卡密码，在保证交易的安全的前提下，不需要用户现场输入银行卡卡号以及银行卡密码等的敏感信息，不仅用户参与少，支付流程便捷，而且由于无需出现真实卡片和密码信息，能够保证用户的银行卡卡号以及密码不容易被他人盗取。
附图说明
图1是表示本发明的基于人脸识别和HCE的支付认证系统的构造框图。
图2是表示本发明的第一实施方式的基于人脸识别和HCE的支付认证方法中信息注册步骤的数据流向示意图。
图3是表示本发明的第一实施方式的基于人脸识别和HCE的支付认证方 法中交易认证步骤的数据流向示意图。
图4是表示本发明的第二实施方式的基于人脸识别和HCE的支付认证方法中交易认证步骤的数据流向示意图。
具体实施方式
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。
图1是表示本发明的基于人脸识别和HCE的支付认证系统的构造框图。
如图1所示，本发明的基于人脸识别和HCE的支付认证系统具备：移动终端100、后台系统200、银行卡系统300以及商户终端400。
移动终端100在信息注册阶段用于获取用户信息、人脸图像信息以及银行卡信息并且发送到后台系统200，在支付认证阶段用于从后台系统200获取下述随机验证码。该移动终端100具备：基于NFC技术进行信息的收发的NFC模块101；以及用于采集人脸图像信息的摄像头102。
后台系统200在信息注册阶段用于对应地存储从移动终端100获取的用户信息、人脸图像信息以及银行卡信息，在支付认证阶段，用于生成随机验证码并发送给移动终端100，并且在从商户终端400收到交易请求后基于验证人脸图像信息和随机验证码，并且在验证通过的情况下将该交易请求转发到银行卡系统300。
银行卡系统300用于根据交易请求完成交易。
商户终端400在支付认证阶段用于获取用户的人脸图像信息并且从移动终端100获取所述随机验证码，将获取的人脸图像信息、随机验证码以及交易信息作为交易请求发送到后台系统200进行验证。其中，该商户终端系统400具备：用于采集人脸图像信息的人脸识别装置401；以及基于NFC技术进行信息的收发的NFC装置402。
在本发明中，提及的HCE(host-based card emulation)是指基于主机的卡模拟。是在配备NFC功能的移动终端上实现卡模拟。
本发明的基于人脸识别和HCE的支付认证方法简单可以划分为两大阶段：信息注册步骤和支付认证步骤。
图2是表示本发明的第一实施方式的基于人脸识别和HCE的支付认证方 法中注册步骤的数据流向示意图。图3是表示本发明的第一实施方式的基于人脸识别和HCE的支付认证方法中交易认证步骤的数据流向示意图。
下面，参照图2和图3分别对于本发明的第一实施方式的基于人脸识别和HCE的支付认证方法的信息注册步骤和支付认证步骤进行说明。
首先，对于信息注册步骤进行说明。如图2所示，信息注册步骤包括下述子步骤：
步骤S100：通过移动终端100注册会员并验证手机号码，生成唯一用户ID，将手机号码以及或者用户ID等的用户信息存储在后台系统200中。这里，作为用户ID，对于大型超市等消费场所，可以是例如超市的会员卡ID。另一方面，也可以不使用另外生成的用户ID，而可以仅绑定手机号码，用手机号码作为标识用户的用户ID。
步骤S101：利用移动终端100具备的摄像头，采集人脸图像信息，与用户ID或者/以及手机号码进行关联，通过安全通讯方式上送到后台系统200并且加密存储在后台系统200中。
步骤S102：将银行卡信息与用户ID或者/以及手机号码进行绑定，具体地，在移动终端100输入银行卡信息，输入密码，通过安全通讯方式上送到后台系统200。
步骤S103：后台系统200将银行卡信息转发银行卡系统300进行验证，在验证通过后完成银行卡信息的绑定。
其中，步骤S101和步骤S102可以通过移动终端100实现，也可以通过现场终端方式实现。
通过步骤S100、步骤S101、步骤S102和步骤S103，在移动终端100与后台系统200之间建立用户ID以及/或者手机号码与银行卡信息、人脸图像信息的关联。例如，建立用户ID与人脸图像信息、银行卡信息和手机号码之间的关联表，或者建立手机号码与人脸图像信息、银行卡信息之间的关联表。
接着，对于支付认证步骤进行说明。如图3所示，支付认证步骤包括下述子步骤：
步骤S200：用户选购商品后在柜面进行支付时，用户通过移动终端100向后台系统200发起支付请求，例如，通过点击移动终端100中的支付按钮等进行触发。
步骤S201：后台系统200收到支付请求后产生随机验证码并发送给移动终端100，移动终端100存储该随机验证码。
步骤S202：在商户终端400收银员扫描商品，获取商品金额，并告知用户消费金额。
步骤S203：在商户终端400通过其具备的人脸识别装置自动捕捉用户人脸图像并上送到后台系统200。
步骤S204：在后台系统200根据上送的人脸图像信息查找后台系统200中已经存储的关联表，根据上送来的人脸图像信息查找到对应于该人脸图像信息的用户ID以及或者手机号码、随机验证码以及银行卡信息。
步骤S205：用户将移动终端100靠近商户终端400具备的NFC装置，通过NFC方式将移动终端100中存储的随机验证码传输到商户终端400。
步骤S206：商户终端400将随机验证码、交易金额信息以及商户信息(也可以包括用户ID以及或者手机号码)等组成交易报文上送到后台系统200进行验证。
步骤S207：后台系统200验证随机验证码是否一致，在随机验证码通过验证的情况下，将交易报文转发到银行卡系统300进行支付交易。
如上所述，根据本发明的基于人脸识别和HCE的支付认证方法，在支付过程中无需出现银行卡卡片信息和银行卡密码信息，避免信息泄露。而且，利用“双因子认证”，即“人脸识别+NFC刷手机”，通过双重验证，能够确保身份可靠，保证支付的安全性。再者，刷手机过程仅验证专有的随机验证码，与真实密码无关，能够确保银行卡信息以及密码不被盗取。
进一步，在本发明中，为了提高支付的安全性，对于该随机验证码，可以进行随时主动更新或者定期后台更新。
另一方面，根据本发明的基于人脸识别和HCE的支付认证方法，能够提升用户使用的便捷性，因为用户携带银行卡，如果是存在会员卡和用户ID的情况下，也无需携带会员卡，只需携带手机。而且，用户在支付过程中只需要打开手机，并刷下手机即可完成交易。
接着，对于本发明的第二实施方式的基于人脸识别和HCE的支付认证方法进行说明。
本发明的第二实施方式的基于人脸识别和HCE的支付认证方法中与第一实施方式相同也可以大致划分为两大阶段：信息注册步骤和支付认证步骤。其中，信息注册步骤与第一实施方式中的信息注册步骤相同，支付认证步骤中与第一实施方式存在不同。接着，仅对于第二实施方式中的支付认证步骤进行说明。
图4是表示本发明的第二实施方式的基于人脸识别和HCE的支付认证方法中注册步骤的数据流向示意图。
如图4所示，接着，对于支付认证步骤进行说明。如图4所示，支付认证步骤包括下述子步骤：
步骤S300：用户选购商品后在柜面进行支付，用户通过移动终端100向后台系统200发起支付请求，例如，通过点击移动终端100中的支付按钮等进行触发。
步骤S301：后台系统200收到支付请求后产生随机验证码并发送给移动终端100，移动终端100存储该随机验证码。
步骤S302：在商户终端400收银员扫描商品，获取商品金额，告知用户消费金额。
步骤S303：在商户终端400通过其具备的人脸识别装置自动捕捉用户人脸图像。
步骤S304：用户将移动终端100靠近商户终端400具备的NFC装置，利用HCE技术通过NFC方式将移动终端100中存储的随机验证码传输到商户终端400。
步骤S305：商户终端400将捕捉到的用户人脸图像、利用NFC方式从移动终端100获取的随机验证码(也可以包含用户ID以及或者手机号码)、交易金额信息以及商户信息等组成交易报文上送到后台系统200进行验证。
步骤S306：后台系统200根据上送的人脸图像信息查找后台系统200中已经存储的关联表，根据上送来的人脸图像信息查找到对应与该人脸图像信息的用户ID、手机号码、随机验证码以及银行卡信息，并且，后台系统300验证收到的随机验证码是否与之前生成的随机验证码一致。
步骤S307：在后台系统200进行的随机验证码的验证通过的情况下，后台系统200将交易报文转发到银行卡系统300进行支付交易。
第二实施方式与第一实施方式不同之处在于，在第二实施方式商户终端 400一次性地将捕捉到的用户人脸图像、从移动终端100获取的随机验证码(也可以包含用户ID以及或者手机号码)、交易金额信息以及商户信息等组成交易报文上送到后台系统200，与此相对，在第一实施方式中是将人脸图像信息和随机验证码分别传送到后台系统200。
本发明的基于人脸识别和HCE的支付认证系统和支付认证方法利用人脸识别技术获取人脸图像信息，并通过NFC方式与商户终端进行交互，将人脸图像信息和随机验证码作为交易过程中的身份认证信息。在保证交易的安全的前提下，不需要用户现场输入银行卡卡号以及银行卡密码等的敏感信息，不仅用户参与少，支付流程便捷，而且由于无需出现真实卡片和密码信息，因此也能够保证用户的银行卡卡号以及密码不容易被他人盗取。
尤其是，本发明提出的基于人脸识别和HCE的支付认证系统和支付认证方法特别适用于会员制大型超市，通过预先将用户ID、人脸图像信息与银行卡信息进行绑定，在进行支付时，不需要刷卡和输入密码，只需获取人脸图像信息，就能够实现自动支付，因此，能够避免因刷卡、输密带来的繁琐和密码泄露等安全隐患，为用户提供一种安全、便捷的支付环境，帮助大型会员连锁超市提高购物体验。
以上例子主要说明了本发明的基于人脸识别和HCE的支付认证系统和支付认证方法。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (13)

  1. 一种基于人脸识别和HCE的支付认证方法，其特征在于，包括：
    信息注册步骤，获取用户信息、人脸图像信息以及银行卡信息，将获取的用户信息、人脸图像信息以及银行卡信息进行绑定并将该绑定关系生成关联表存储在后台系统；以及
    支付认证步骤，移动终端从后台系统获取随机验证码，商户终端利用人脸识别技术获取用户的人脸图像信息，商户终端将获取的人脸图像信息、从移动终端获取的随机验证码、以及交易信息作为交易请求发送到后台系统进行验证，后台系统验证随机验证码和人脸图像信息并且在验证通过的情况下将该交易请求转发到银行卡系统用以完成交易。
  2. 如权利要求1所述的基于人脸识别和HCE的支付认证方法，其特征在于，
    所述用户信息为用户ID以及/或者用户手机号码。
  3. 如权利要求2所述的基于人脸识别和HCE的支付认证方法，其特征在于，
    所述信息注册步骤包括下述子步骤：
    获取用户信息并传送到后台系统；
    采集人脸图像信息并且与所述用户信息进行关联并传送到后台系统加以存储；以及
    获取银行卡信息并且将银行卡信息经过后台系统发送到银行卡系统进行验证，在验证通的情况下，实现用户信息、人脸图像信息以及银行卡信息的绑定。
  4. 如权利要求3所述的基于人脸识别和HCE的支付认证方法，其特征在于，
    将所述人脸图像信息加密存储在后台系统中。
  5. 如权利要求4所述的基于人脸识别和HCE的支付认证方法，其特征在于，
    所述支付认证步骤包括下述子步骤：
    用户通过移动终端向后台系统发起支付请求；
    后台系统收到支付请求后产生随机验证码并发送给移动终端；
    在商户终端利用人脸识别技术自动捕捉用户人脸图像并将人脸图像信息上送到 后台系统；
    后台系统根据上送来的人脸图像信息查找后台系统中已经存储的所述关联表，获得对应于该人脸图像信息的用户信息、随机验证码、以及银行卡信息；
    利用NFC技术商户终端从移动终端获取所述随机验证码；
    商户终端将所述随机验证码、交易金额信息以及商户信息组成交易报文上送到后台系统进行验证；
    后台系统验证上送来的随机验证码是否与产生的随机验证码一致；以及
    在后台系统通过随机验证码验证的情况下，后台系统将交易报文转发到银行卡系统进行支付交易。
  6. 如权利要求4所述的基于人脸识别和HCE的支付认证方法，其特征在于，
    所述支付认证步骤包括下述子步骤：
    用户通过移动终端向后台系统发起支付请求；
    后台系统收到支付请求后产生随机验证码并发送给移动终端；
    商户终端利用人脸识别技术自动捕捉用户人脸图像信息；
    利用NFC技术商户终端从移动终端获取所述随机验证码；
    商户终端将人脸图像信息、随机验证码、交易金额信息以及商户信息组成交易报文上送到后台系统进行验证；
    后台系统根据上送来的人脸图像信息查找后台系统中已经存储的所述关联表，验证上送来的随机验证码是否与产生的随机验证码一致；以及
    在后台系统通过随机验证码验证的情况下，后台系统将交易报文转发到银行卡系统进行支付交易。
  7. 如权利要求4所述的基于人脸识别和HCE的支付认证方法，其特征在于，
    所述后台系统根据用户请求主动更新随机验证码，或者，
    所述后台系统根据用户请求主动更新随机验证码定期更新随机验证码。
  8. 一种基于人脸识别和HCE的支付认证系统，其特征在于，包括：
    移动终端，在信息注册阶段用于获取用户信息、人脸图像信息以及银行卡信息并且发送到后台系统，在支付认证阶段用于从下述后台系统获取下述随机验证码；
    后台系统，在信息注册阶段，用于对应地存储从所述移动终端获取的用户信息、人脸图像信息以及银行卡信息，在支付认证阶段，用于生成随机验证码并发送给 所述移动终端，并且在从下述商户终端收到交易请求后验证人脸图像信息和随机验证码，并且在验证通过的情况下将该交易请求转发到银行卡系统；
    商户终端，在支付认证阶段，用于获取用户的人脸图像信息并且从移动终端获取所述随机验证码，将获取的人脸图像信息、所述随机验证码以及交易信息作为交易请求发送到后台系统进行验证；以及
    银行卡系统，用于根据所述交易请求完成交易。
  9. 如权利要求8所述的基于人脸识别和HCE的支付认证系统，其特征在于，
    所述用户信息为用户ID以及/或者用户手机号码。
  10. 如权利要求8所述的基于人脸识别和HCE的支付认证系统，其特征在于，
    所述商户终端系统具备：
    人脸识别装置，用于采集人脸图像信息；以及
    NFC装置，基于NFC技术进行信息的收发，
    所述移动终端具备：
    NFC模块，基于NFC技术进行信息的收发；以及
    摄像头，用于采集人脸图像信息。
  11. 如权利要求8所述的基于人脸识别和HCE的支付认证系统，其特征在于，
    所述后台系统加密存储人脸图像信息。
  12. 如权利要求8所述的基于人脸识别和HCE的支付认证系统，其特征在于，
    所述后台系统用于建立并存储表示用户信息、人脸图像信息以及银行卡信息之间的绑定关系的关联表。
  13. 如权利要求8所述的基于人脸识别和HCE的支付认证系统，其特征在于，所述后台系统根据用户请求主动更新随机验证码，或者所述后台系统根据用户请求主动更新随机验证码定期更新随机验证码。
PCT/CN2017/077223 2016-03-30 2017-03-20 基于人脸识别和hce的支付认证方法及认证系统 Ceased WO2017167037A1 (zh)

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