WO2018094584A1 - Système de paiement et d'authentification d'identité basé sur la reconnaissance de caractéristiques biométriques - Google Patents

Système de paiement et d'authentification d'identité basé sur la reconnaissance de caractéristiques biométriques Download PDF

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Publication number
WO2018094584A1
WO2018094584A1 PCT/CN2016/106835 CN2016106835W WO2018094584A1 WO 2018094584 A1 WO2018094584 A1 WO 2018094584A1 CN 2016106835 W CN2016106835 W CN 2016106835W WO 2018094584 A1 WO2018094584 A1 WO 2018094584A1
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information
user
payment
biometric
module
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PCT/CN2016/106835
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English (en)
Chinese (zh)
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刘洪文
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刘洪文
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Priority to PCT/CN2016/106835 priority Critical patent/WO2018094584A1/fr
Publication of WO2018094584A1 publication Critical patent/WO2018094584A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of authentication and payment technologies, and in particular to a biometric-based payment and identity authentication system.
  • the payment is made by using the mobile payment method such as mobile phone WeChat payment or mobile payment, such as scanning the QR code or scanning the fingerprint, etc.
  • the consumer must hold the bank card and The smartphone of the mobile phone number can complete the scanning of the corresponding QR code or the scanning of the corresponding fingerprint to make payment.
  • the consumer must bring the smart phone with its bank card and mobile phone number to complete the payment, when the consumer forgets to tie When the corresponding mobile phone of the bank card and mobile phone number is fixed, it is still not convenient to pay.
  • a biometrics-based payment system including a payment system and an intelligent mobile terminal;
  • the payment system includes a payment server, and the payment server stores user bank account information bound to the biometric information of the user; the user bank account information is associated with the biometric information of the user;
  • the smart mobile terminal includes a payment request module for transmitting payment request information, a biometrics collection module for collecting biometric information of the user according to the received payment request information, and comparing the collected biometric information with the Generating the similarity of the biometric information of the user stored in the payment server, and generating a comparison result biometric identification module when the similarity reaches a preset value, to use the comparison result from the payment server according to the comparison result a user bank account retrieval module that retrieves user bank account information bound to the biometric information of the user, and a payment for responding to the payment request after the user bank account is retrieved and sending the payment prompt information to the biometric collection module Confirmation module;
  • the payment confirmation module is configured to prompt the biometric information of the user to be collected again to complete the payment.
  • the biometric information of the user includes fingerprint feature information, voiceprint feature information, iris feature information, palmprint feature information, vein feature information, human ear feature information, gait feature information, retinal feature information, and facial features.
  • the biometric feature collection module includes a fingerprint feature collection module, a voiceprint feature collection module, an iris feature acquisition module, a palmprint feature collection module, a vein feature acquisition module, a human ear feature acquisition module, a gait feature acquisition module, and a retinal feature.
  • the acquisition module and the face feature collection module, and the input ends of the modules are connected to the output end of the payment request module, and the output ends of the modules are connected to the input end of the biometric identification module.
  • the user bank account information includes a user's account opening name and a user's bank account number.
  • An identity authentication system based on biometric identification comprising a national citizenship information system and an intelligent mobile terminal;
  • the national citizenship information system includes an identity information search server, and the identity information search server stores user identity card information bound to biometric information of the user; the user identity card information and the biometric characteristics of the user Information associated;
  • the smart mobile terminal includes an identity information search request module for transmitting user identity search request information, and a biometric feature collection module for collecting biometric information of the user according to the received user identity search request information, which is used for comparison.
  • the biometric information is similar to the biometric information of the user stored in the identity information search server, and generates a comparison result biometric identification module when the similarity reaches a preset value and is used according to the ratio
  • a user identity information retrieval module that retrieves user ID information that is bound to the biometric information of the user from the identity information lookup server.
  • the biometric information of the user includes fingerprint feature information and face feature information;
  • the biometric feature collection module includes a fingerprint feature collection module and a face feature collection module.
  • the user identity card information includes a user's ID card photo and a user's ID number.
  • the identity information lookup request module includes a normal request unit that sends a single biometrics collection message to the biometric collection module during normal authentication, and a special request unit that sends multiple biometric collection messages to the biometric collection module during important identity verification.
  • the input ends of the normal request unit and the special request unit are both connected to the output end of the identity information lookup request module, and the outputs of both are connected to the input end of the biometrics collection module.
  • a biometrics-based payment system provided by the present invention, in a specific implementation, the party that requires the user to pay only needs to take the corresponding smart mobile terminal, and uses the corresponding payment request module to send the payment request information, and By collecting the biometric information of the user through the corresponding biometric collection module, the user can complete the corresponding payment, and the operation is convenient, the payment is convenient, the time and labor are saved, and the bank card password is avoided, and the corresponding biometric information includes the fingerprint feature at the same time.
  • Information and face feature information can also greatly improve the accuracy, reliability and authority of payment, so as to avoid bank card and consumer card being stolen, and the user does not need to carry cash payment in cash when the invention is implemented.
  • the party that checks the identity information only needs to take the corresponding smart mobile terminal, and uses the corresponding identity information to search for the request module to send the user identity.
  • the request information is searched, and the biometric information of the user is collected by the corresponding biometric collection module, so that the user ID information corresponding to the user identity can be checked, and the operation is convenient, the inspection is convenient, the time and labor are saved, and the ID card is avoided.
  • the corresponding biometric information includes both the fingerprint feature information and the face feature information, the accuracy, reliability, and authority of the identity authentication can be greatly improved, thereby avoiding fraud and misappropriation, and further, the present invention is practical. Strong, good use.
  • FIG. 1 is a block diagram showing the overall structure of a biometrics-based payment system of the present invention
  • FIG. 2 is a block diagram showing the overall structure of the biometric identification-based identity authentication system of the present invention.
  • FIG. 3 is a schematic plan view showing the operation interface of the display screen of the smart mobile terminal in the specific implementation of the present invention.
  • a payment request module 201 a biometrics collection module 202; a biometric identification module 203; a user bank account retrieval module 204; a payment confirmation module 205; an identity information lookup request module 201'; a user identity information retrieval module 204';
  • a biometrics-based payment system provided by the present invention is characterized in that it comprises a payment system 100 and an intelligent mobile terminal 200;
  • the payment system 100 includes a payment server 101, and the payment server 101 stores user bank account information bound to the biometric information of the user; the user bank account information is associated with the biometric information of the user;
  • the smart mobile terminal 200 includes a payment request module 201 for transmitting payment request information, and a biometrics collection module 202 for collecting biometric information of the user according to the received payment request information, for comparing the collected biometrics. Generating the similarity between the information and the biometric information of the user stored in the payment server 101, and generating a comparison result biometric identification module 203 when the similarity reaches a preset value, to use the comparison result from the comparison result
  • the user bank account retrieving module 204 for retrieving the user bank account information bound to the biometric information of the user in the payment server 101 is configured to respond to the payment request and collect the biometric feature after the user bank account is retrieved.
  • the module 202 sends a payment confirmation module 205 for payment prompt information;
  • the payment confirmation module 205 is configured to prompt the biometric information of the user to be collected again to complete the payment.
  • the biometric information of the user of the present invention includes fingerprint feature information and face feature information;
  • the biometric feature collection module 202 includes a fingerprint feature collection module and a face feature collection module.
  • the party that requires the user to pay only needs to take the corresponding smart mobile terminal 200, and utilize the corresponding payment.
  • the requesting module 201 sends the payment request information, and collects the biometric information of the user through the corresponding biometrics collection module 202, so that the user can complete the corresponding payment, and the operation is convenient, the payment is convenient, the time and labor are saved, and the bank card password is avoided.
  • the corresponding biometric information includes both fingerprint feature information and face feature information, it can also greatly improve the accuracy, reliability and authority of payment, so as to avoid bank card and consumer card being stolen.
  • the user does not need to bring cash for cash payment, no need to bring a bank card and a consumption card for credit card payment, and no need to bring a mobile phone to pay for the network through the mobile phone, no matter where the user goes, only need to brush the fingerprint and By brushing your face, you can make quick and fast payments.
  • the user can still make payments, which subverts the traditional payment model and frees them from the constraints of cash, cards and electronic devices. In the true sense, the goal is to go all the way without paying for the payment of consumption.
  • the invention has strong practicability and good use effect.
  • the user bank account information includes a user's account opening name and a user's bank account number.
  • a biometric identification-based identity authentication system includes a national citizenship information system 300 and an intelligent mobile terminal 200;
  • the national citizenship information system 300 includes an identity information search server 301, and the identity information search server 301 stores user identity information that is bound to the biometric information of the user; the user identity card information and the user Associated with biometric information;
  • the smart mobile terminal 200 includes an identity information search request module 201 ′ for transmitting user identity search request information, and a biometric feature collection module 202 for collecting biometric information of the user according to the received user identity search request information. Comparing the similarity between the collected biometric information and the biometric information of the user stored in the identity information search server 301, and generating a comparison result biometric identification module 203 when the similarity reaches a preset value And a user identity information retrieving module 204 ′ for retrieving user identity information that is bound to the biometric information of the user from the identity information lookup server 301 according to the comparison result.
  • the biometric information of the user of the present invention includes fingerprint feature information and face feature information;
  • the biometric feature collection module 202 includes a fingerprint feature collection module and a face feature collection module.
  • the biometric identification-based identity authentication system provided by the present invention, in the specific implementation, the party that checks the identity information only needs to take the corresponding smart mobile terminal 200, and utilizes corresponding The identity information search request module 201' sends the user identity search request information, and collects the biometric information of the user through the corresponding biometrics collection module 202, so that the user ID information corresponding to the user identity can be checked, which is convenient in operation and convenient to check. Saving time and effort and avoiding the loss of ID card, because the corresponding biometric information includes both fingerprint feature information and face feature information, it can greatly improve the accuracy, reliability and authority of identity authentication, so as to avoid fraud and misappropriation. Further, the present invention is highly practical and has a good use effect.
  • the user ID information includes the ID card photo of the user and the ID number of the user.
  • Application scenario 1 fingerprint recognition and face recognition payment
  • the party that requires the user to pay the hand-held smart mobile terminal 200 first sends the payment request information by using the payment request module 201, for example, inputting a corresponding payment amount, so as to generate a corresponding payment request, and then passing the biometrics collection module 202.
  • the fingerprint feature information and the face feature information of the user are collected, and then the fingerprint feature information and the face feature information of the collected user and the fingerprint of the user stored in the payment server 101 are collected by the biometric identification module 203.
  • the similarity between the feature information and the face feature information is compared. When the comparison result reaches the preset value, the user bank account retrieval module 204 can retrieve the fingerprint feature from the payment server 101.
  • the payment confirmation module 205 responds to the payment request and sends the payment prompt information to the biometric collection module 202.
  • the payment confirmation module 205 is configured to prompt to collect the fingerprint feature information and the face feature information of the user again. Again acquisition module 202 inputs the feature information of fingerprint and face feature information by the biometric to complete the payment.
  • the fingerprint and the scanned face can also be synchronized, and while scanning the fingerprint, the face is aimed at the camera of the smart mobile terminal 200 to scan the face.
  • the corresponding payment can be shopping payment, meal payment, bus payment, subway payment, parking lot parking payment, high-speed toll station payment, express delivery payment, and the like.
  • the traffic police or the public security hand-held the smart mobile terminal 200 firstly using the identity information search request module 201' to send the user identity search request information, and then collecting the fingerprint feature information and the face feature information of the user through the biometric feature collection module 202. Then, the similarity between the fingerprint feature information and the face feature information of the collected user and the fingerprint feature information and the face feature information of the user stored in the identity information search server 301 is further obtained by the biometric identification module 203. Performing the comparison, when the comparison result reaches the preset value, the user identity information retrieval module 204' can retrieve the fingerprint feature information and the face feature information from the identity information search server 301. Bind user ID information.
  • the traffic police or the public security hand-held the smart mobile terminal 200 and by simply collecting the fingerprint feature and the facial features of the user, the user identity information can be quickly searched from the identity information search server 301 without checking the user.
  • the ID card the user also saved the trouble of getting an ID card.
  • the biometrics-based payment system provided by the present invention, in the specific implementation, the party that requires the user to pay only needs to take the corresponding smart mobile terminal 200, and sends the payment by using the corresponding payment request module 201.
  • the information is requested, and the biometric information of the user is collected by the corresponding biometrics collection module 202, so that the user can complete the corresponding payment, and the operation is convenient, the payment is convenient, the time and labor are saved, and the bank card password is avoided, and the corresponding biometrics are Information also includes Fingerprint feature information and face feature information also greatly improve the accuracy, reliability and authority of payment, so as to avoid bank card and consumer card being stolen.
  • the user does not need to bring cash for cash payment, no need to bring a bank card and a consumption card for credit card payment, and no need to bring a mobile phone to pay for the network through the mobile phone, no matter where the user goes, only need to brush the fingerprint and By brushing your face, you can make quick and fast payments.
  • the user can still make payments, which subverts the traditional payment model and frees them from the constraints of cash, cards and electronic devices. In the true sense, you can do everything without paying for the payment of consumption.
  • the party that checks the identity information only needs to take the corresponding smart mobile terminal 200 and send it by using the corresponding identity information search request module 201'.
  • the user identity looks up the request information, and collects the biometric information of the user through the corresponding biometrics collection module 202, so that the user ID information corresponding to the user identity can be checked, which is convenient in operation, convenient to check, saves time and labor, and avoids loss of ID card.
  • the corresponding biometric information includes both the fingerprint feature information and the face feature information, the accuracy, reliability and authority of the identity authentication can be greatly improved, thereby avoiding fraud and misappropriation.
  • the present invention has strong practicability and good use effect, and also makes the present invention inevitably have a good marketing value, and the present invention is very popular and can be effectively popularized.
  • the biometrics for identity authentication at the time of payment are not limited to fingerprints, faces, but also other biological features such as voiceprint, iris, palm print, vein, human ear, gait or retina.
  • the user can set the biometrics as gradient protection during consumption. For example, when performing small transactions, only a single verification is required. For large transactions, at least triple verification, such as fingerprint, face and iris verification, must be performed. Because for biometrics such as fingerprints and faces, there is still the possibility of repetition for each single biometric, but once multiple sets of biometrics are combined, the likelihood of repetition is greatly reduced, and the wireless is close to 0, so Better protect the security of the user's property, and at the same time convenient for users, you can set the identity information as a gradient in consumption. protection.
  • the system of the present invention when the user stores his biometric information in the server, it is required to enter multiple biometrics to ensure that the identity information in the user account is complete, and at the same time, an identity screening is performed when the user registers, Different people's identity information is distinguished by biometrics; in use, biometrics are used to identify different people's identity information, thereby achieving a process of re-identification.
  • biometrics are used to identify different people's identity information, thereby achieving a process of re-identification.
  • the system of the present invention that implements payment and identity authentication through biometrics ensures that the probability of coincidence and error is greatly reduced during implementation.

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Abstract

L'invention concerne un système de paiement et d'authentification d'identité basé sur la reconnaissance de caractéristiques biométriques. Le système de paiement basé sur la reconnaissance de caractéristiques biométriques comprend un système de paiement (100) et un terminal mobile intelligent (200). Le système de paiement (100) comporte un serveur de paiement (101), qui mémorise des informations de compte bancaire d'utilisateur liées à des informations de caractéristiques biométriques concernant un utilisateur. Le terminal mobile intelligent (200) inclut un module de demande de paiement (201), un module de collecte de caractéristiques biométriques (202), un module de reconnaissance de caractéristiques biométriques (203), un module d'appel de compte bancaire d'utilisateur (204) et un module de confirmation de paiement (205). L'invention présente les avantages suivants : lorsque le système de paiement basé sur la reconnaissance de caractéristiques biométriques est utilisé pour effectuer un paiement, l'utilisateur peut effectuer un paiement rapide par glissement de son empreinte digitale ou de son visage ou enregistrement de son empreinte vocale, de ses iris, de son empreinte palmaire, d'une de ses veines, de ses oreilles, de sa silhouette ou de ses rétines sans transporter d'argent liquide, de carte bancaire, de carte de consommateur ni de téléphone mobile quel que soit l'endroit où il va, de telle sorte que les contraintes dues à l'argent liquide, aux cartes et au matériel électronique n'existent plus. Une partie de vérification peut vérifier rapidement des informations d'identité de l'utilisateur au moyen du système d'authentification d'identité basé sur la reconnaissance de caractéristiques biométriques, et l'utilisateur n'a pas besoin de sortir une carte d'identité, ce qui est pratique et efficace.
PCT/CN2016/106835 2016-11-23 2016-11-23 Système de paiement et d'authentification d'identité basé sur la reconnaissance de caractéristiques biométriques WO2018094584A1 (fr)

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CN108846676A (zh) * 2018-08-02 2018-11-20 平安科技（深圳）有限公司 生物特征辅助支付方法、装置、计算机设备及存储介质
CN110046905A (zh) * 2019-04-15 2019-07-23 驿网无际（上海）智能科技有限公司 一种基于掌心经络的身份认证和支付系统及其使用方法
CN110263658A (zh) * 2019-05-25 2019-09-20 周建萍 一种基于脸部识别的地铁收费平台及其方法
CN110533426A (zh) * 2019-08-02 2019-12-03 深圳蚂里奥技术有限公司 一种支付方法及系统
CN110675154A (zh) * 2019-08-27 2020-01-10 腾讯科技（深圳）有限公司 一种基于人脸识别的服务提供方法、装置、设备及介质
CN111325551A (zh) * 2018-12-14 2020-06-23 杭州海康威视数字技术股份有限公司 一种支付系统
CN111341035A (zh) * 2018-12-19 2020-06-26 青岛海尔洗衣机有限公司 联网分入式衣物处理系统
CN112101931A (zh) * 2020-08-27 2020-12-18 江西台德智慧科技有限公司 一种增强刷脸支付技术安全性的方法
CN112488726A (zh) * 2020-12-26 2021-03-12 志远信达科技(深圳)有限公司 一种基于双向通信的刷脸支付系统及其方法
CN113222798A (zh) * 2021-04-30 2021-08-06 深圳市展拓电子技术有限公司 一种针对在押人员的防勿放方法、系统、智能终端以及计算机可读存储介质
CN113837750A (zh) * 2021-09-26 2021-12-24 快钱支付清算信息有限公司 一种基于移动终端支付用的操作系统
DE202022100435U1 (de) 2022-01-25 2022-02-11 Binda Mridula Balakrishnan Intelligentes Management-Sicherheitssystem zum Schutz vor Betrug beim Zugang zu einer mobilen Einheit mit Authentifizierungsmöglichkeiten
CN114549013A (zh) * 2022-03-01 2022-05-27 支付宝(杭州)信息技术有限公司 刷脸支付方法、装置和刷脸设备
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Publication number Priority date Publication date Assignee Title
CN108846676A (zh) * 2018-08-02 2018-11-20 平安科技（深圳）有限公司 生物特征辅助支付方法、装置、计算机设备及存储介质
CN111325551A (zh) * 2018-12-14 2020-06-23 杭州海康威视数字技术股份有限公司 一种支付系统
CN111341035A (zh) * 2018-12-19 2020-06-26 青岛海尔洗衣机有限公司 联网分入式衣物处理系统
CN110046905A (zh) * 2019-04-15 2019-07-23 驿网无际（上海）智能科技有限公司 一种基于掌心经络的身份认证和支付系统及其使用方法
CN110263658A (zh) * 2019-05-25 2019-09-20 周建萍 一种基于脸部识别的地铁收费平台及其方法
CN110533426A (zh) * 2019-08-02 2019-12-03 深圳蚂里奥技术有限公司 一种支付方法及系统
CN110675154B (zh) * 2019-08-27 2023-10-13 腾讯科技（深圳）有限公司 一种基于人脸识别的服务提供方法、装置、设备及介质
CN110675154A (zh) * 2019-08-27 2020-01-10 腾讯科技（深圳）有限公司 一种基于人脸识别的服务提供方法、装置、设备及介质
CN112101931A (zh) * 2020-08-27 2020-12-18 江西台德智慧科技有限公司 一种增强刷脸支付技术安全性的方法
CN112488726A (zh) * 2020-12-26 2021-03-12 志远信达科技(深圳)有限公司 一种基于双向通信的刷脸支付系统及其方法
CN113222798A (zh) * 2021-04-30 2021-08-06 深圳市展拓电子技术有限公司 一种针对在押人员的防勿放方法、系统、智能终端以及计算机可读存储介质
CN113837750A (zh) * 2021-09-26 2021-12-24 快钱支付清算信息有限公司 一种基于移动终端支付用的操作系统
DE202022100435U1 (de) 2022-01-25 2022-02-11 Binda Mridula Balakrishnan Intelligentes Management-Sicherheitssystem zum Schutz vor Betrug beim Zugang zu einer mobilen Einheit mit Authentifizierungsmöglichkeiten
CN114549013A (zh) * 2022-03-01 2022-05-27 支付宝(杭州)信息技术有限公司 刷脸支付方法、装置和刷脸设备
CN116402510A (zh) * 2023-04-14 2023-07-07 广东车卫士信息科技有限公司 一种基于高并发网络服务的无感支付方法、介质以及设备
CN116402510B (zh) * 2023-04-14 2024-01-30 广东车卫士信息科技有限公司 一种基于高并发网络服务的无感支付方法、介质以及设备

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