WO2021169731A1 - 一种将生物特征同虚拟资源关联的方法、系统及非暂时性存储介质 - Google Patents

一种将生物特征同虚拟资源关联的方法、系统及非暂时性存储介质 Download PDF

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Publication number
WO2021169731A1
WO2021169731A1 PCT/CN2021/074471 CN2021074471W WO2021169731A1 WO 2021169731 A1 WO2021169731 A1 WO 2021169731A1 CN 2021074471 W CN2021074471 W CN 2021074471W WO 2021169731 A1 WO2021169731 A1 WO 2021169731A1
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Prior art keywords
association
biological characteristics
target
virtual resource
server
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English (en)
French (fr)
Inventor
潘玉麟
尹婉琳
王国君
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Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan

Definitions

  • This specification relates to the Internet field, and in particular to a method, system and non-transitory storage medium for associating biological characteristics with virtual resources.
  • the transferable points, points, etc. in the account are shared with the relatives and friends of the user.
  • the first is account association.
  • both parties use the target device (such as a mobile phone) to apply for the corresponding virtual resource account.
  • relatives can use their associated virtual resource account through this account association;
  • biometric association such as a relative or close friend and a user face-to-face operation through the user’s target device, and the biological characteristics of the relative or close friend are the same.
  • the user's virtual resource account is associated, and there is no need for relatives or close friends to apply for a virtual resource account.
  • This manual provides a more convenient way to establish the relationship between users and virtual resources.
  • This specification provides a method for associating biological characteristics with virtual resources, a system for executing this method, and a non-transitory storage medium storing instructions for executing this method.
  • the method and system can be used by requesting equipment (third-party equipment).
  • the biological characteristics of the second object (applicant) are associated with the virtual resources associated with the first object (such as the virtual resource holder), and the first object and the second object are not required to face each other, and the second object is not required.
  • the object applies for an account first, and the association may only apply to the requesting device, or it may be applicable to a third object that has a preset association with the requesting device, or it may be applicable to all scenarios.
  • the method and system provide great convenience for users who are not familiar with the Internet, do not have an account, and cannot apply for association face-to-face in time (such as the elderly or minors).
  • this specification provides a method for associating biological characteristics with virtual resources.
  • the method includes: a server receives an association request sent by a requesting device to associate a first object with a second object, wherein the first object is associated with the target virtual resource. Association; the server confirms through the target device that the first object agrees to the association request, wherein the target device is associated with the first object; and the server establishes the same biological characteristics of the second object The association of the target virtual resource.
  • the server confirming through the target device that the first object agrees to the association request includes: receiving the biological characteristics of the second object sent by the requesting device; and sending all the data to the target device. The biological characteristics of the second object and a verification request for the biological characteristics of the second object; and receiving confirmation information sent by the target device for agreeing to the association request.
  • the server confirming through the target device that the first object agrees to the association request includes: receiving the biological characteristics of the second object sent by the requesting device; receiving the second object sent by the target device The identity information of the second object; matching the biological characteristics of the second object with the identity information of the second object; and receiving confirmation information sent by the target device for agreeing to the association request.
  • the matching the biological characteristics of the second object with the identity information of the second object includes: sending the biological characteristics of the second object and the identity information of the second object to The authentication system performs matching analysis; and when the biological characteristics of the second object match the identity information of the second object, sending a matching result to the target device and a confirmation request for the association request.
  • the association request further includes the device identification of the requesting device, wherein the requesting device communicates with the server.
  • the association between the biological characteristics of the second object and the target virtual resource includes a license for the target virtual resource to be transferred to the requesting device or the third object, wherein the requesting device and the The third object association.
  • the server establishing the association between the biological characteristics of the second object and the target virtual resource further includes: sending identity verification information for the first object to the target device; receiving the target The identity verification result sent by the device; when the identity verification result is passed, an association between the biological feature of the second object and the target virtual resource is established.
  • the identity verification information includes at least one of verification code verification and biometric verification.
  • the establishing the association between the biological feature of the second object and the target virtual resource includes: sending association selection information to the target device; receiving an association selection result of the association selection information; establishing The biological characteristics of the second object are associated with the target virtual resource.
  • the association selection information includes at least one: selecting at least one of the target virtual resources to be associated with the biological characteristics of the second object; selection of the associated usage scenario; and association limitation Choice of quota.
  • the biological feature includes one or more of facial images, iris, sclera, fingerprints, palm prints, voice prints, and bone projections.
  • the second aspect of this specification provides a system for associating biological characteristics with virtual resources, including: at least one memory and at least one processor, the at least one memory includes at least one instruction set for associating biological characteristics with virtual resources
  • the at least one processor communicates with the at least one memory, wherein when the system is running, the at least one processor reads the at least one instruction set and implements the combination of biological characteristics with virtual The method by which resources are associated.
  • the third aspect of this specification provides a non-transitory storage medium that stores at least one instruction set for associating a biological feature with a virtual resource.
  • the processor When the at least one instruction set is executed by a processor, the processor will The at least one instruction set implements the method of associating biological characteristics with virtual resources described in this specification.
  • the method, system and non-transitory storage medium for associating biometrics with virtual resources can use the requesting device (third-party device) to share the biometrics of the second object (applicant) with An association is established between the virtual resources associated with the first object (such as the virtual resource holder), and the first object and the second object do not need to face-to-face, and the second object does not need to apply for an account first.
  • the association can only be applied to
  • the requesting device may also be applicable to a third object that has a preset association with the requesting device, and may also be applicable to all scenarios.
  • the method and system provide great convenience for users who are not familiar with the Internet, have no account, and cannot apply for association face-to-face in time.
  • Fig. 1 shows a schematic diagram of a system for associating biological characteristics with virtual resources according to an embodiment of the present specification
  • FIG. 2 shows a schematic diagram of a server that associates biological characteristics with virtual resources according to an embodiment of the present specification
  • Fig. 3 shows a flow chart of a method for associating biological characteristics with virtual resources according to an embodiment of this specification
  • Fig. 4 shows a flow chart for confirming an association request according to an embodiment of the present specification
  • Fig. 5 shows another flow chart for confirming an association request according to an embodiment of the present specification
  • Figure 6 shows a flow chart for establishing an association according to an embodiment of this specification
  • Fig. 7 shows a schematic diagram of an association relationship provided according to an embodiment of the present specification.
  • the flowchart used in this specification shows operations implemented by the system according to some embodiments in this specification. It should be clearly understood that the operations of the flowchart can be implemented out of order. Instead, the operations can be performed in reverse order or simultaneously. In addition, one or more other operations can be added to the flowchart. One or more operations can be removed from the flowchart.
  • the first is account association. This association method requires that both parties have the target device (such as a mobile phone) and the corresponding virtual resource account. To achieve account association, the target device must first be used to apply for the corresponding account. The operation process is troublesome. Especially for people who are not familiar with the Internet (such as the elderly), it is extremely inconvenient to realize account association.
  • the second is biometric association, such as associating the biometrics of relatives or close friends with the user’s virtual resource account. This association method does not require relatives or close friends to apply for a virtual resource account, but requires relatives or close friends to face-to-face with the user through the user’s The operation of the target device cannot satisfy users who are in a different place.
  • the existing associations are all associations between users, and users cannot be restricted from using the association in specific scenarios.
  • This specification proposes a method and system for associating biological characteristics with virtual resources.
  • the method and system can establish an association relationship between the biological characteristics of the second object and the target virtual resource of the first object by requesting a device (third-party device) .
  • a device third-party device
  • it can also limit the use scenarios of the association relationship.
  • Bio characteristics It can be the inherent biological characteristics of the human body, which can be used for personal identity verification. Biological features include one or more of facial images, iris, sclera, fingerprints, palm prints, voice prints, and bone projections. In some embodiments, biological characteristics may also include DNA, chromosomes, behavior and posture, and so on.
  • Virtual resources born with the birth of the Internet, refer to information resources compiled by using databases and programs, which are transmitted and circulated through the Internet, such as online wallets, online libraries, online shopping malls, and so on.
  • the virtual resources described in this specification include, but are not limited to, financial resources that exist electronically, identity information, transferable points in electronic games, credit guarantees, and so on.
  • the financial resources funds can be stored on a variety of financial applications (APP), for example, Alipay wallet TM, micro-channel storage wallet TM, funds on Baidu wallet TM, and so on.
  • APP financial applications
  • the identity information may be information that can be used to prove personal identity, for example, ID card information, mobile phone number information, and so on.
  • Fig. 1 shows a schematic diagram of a system 100 for associating biological characteristics with virtual resources according to an embodiment of the present specification.
  • the system 100 that associates biological characteristics with virtual resources (hereinafter referred to as the system 100) can be applied to many different scenarios.
  • the system 100 can be applied to a proxy agent scenario.
  • the first object 110 entrusts the second object 160 to handle some business on its behalf, for example, when the first object 110 entrusts the second object 160 to collect the real estate certificate on its behalf, the second object 160 can pass through the system 100 is associated with the target virtual resource of the first object 110.
  • the target virtual resource may be the identity information of the first object 110; by verifying the biometric information or identity information of the second object 160, the first object 110 is verified The association relationship with the second object 160, thereby confirming the principal-agent relationship.
  • the system 100 can be applied in an electronic payment scenario.
  • the second object 160 needs to use the electronic funds resources of the first object 110 (that is, funds that can be paid electronically) for payment, the second object 160 can use the system 100 to communicate with the first object.
  • the target virtual resource of the object 110 is associated.
  • the target virtual resource is the electronic fund resource of the first object 110.
  • the target virtual resource is the electronic fund resource of the first object 110.
  • the system 100 may include a server 200, a requesting device 140, a target device 130, a target virtual resource 170, a network 120, and a database 150.
  • the server 200 may store data and/or instructions for executing the method of associating biological features with virtual resources described in this specification.
  • the server 200 may execute or be used to execute the data and/or instructions of the method for associating biological features with virtual resources described in this specification.
  • the request device 140 may be a terminal device that establishes a communication relationship with the server 200.
  • the second object 160 may be an applicant and may initiate an association request to the server 200 on the requesting device 140. There is no association relationship between the second object 160 and the requesting device 140.
  • the requesting device 140 may include a display, and the display may be a touch screen liquid crystal display (LCD).
  • the display has a graphical user interface (GUI), which enables the second object 160 to perform human-computer interaction with the server 200 by touching the graphical user interface (GUI) and/or by gestures.
  • GUI graphical user interface
  • the human-computer interaction function includes, but is not limited to: web browsing, word processing, biometric collection, and so on.
  • the request device 140 may include a biometrics collection module for collecting biometrics information of the second object 160.
  • the biological feature collection module can collect one or more of the applicant's biological features such as facial images, iris images, scleral images, fingerprint images, palmprint images, voiceprint files, and bone projection images.
  • executable instructions for performing the above-mentioned human-computer interaction functions are stored in one or more processor-executable computer program products or readable storage media.
  • executable instructions for executing the above-mentioned human-computer interaction functions are stored in the server 200.
  • the requesting device 140 may be a smart electronic device, such as a mobile phone or other IOT (Internet of Things, IOT for short) devices.
  • IOT Internet of Things
  • the target device 130 may be a smart device loaded with a target application (target APP).
  • the first object 110 is a user of the target device 130.
  • the target device 130 may be installed with one or more applications (APP).
  • the APP can provide the first object 110 with the ability and interface to interact with the outside world through the network 120.
  • the APP including but not limited to: Chat class APP program, shopping category APP program, video classes APP program, wealth management APP program, etc., such as Alipay TM, Taobao TM, Jingdong TM and / or banking and financial services institutions, financial products Wait for the APP program.
  • the target APP refers to a client APP corresponding to the server 200.
  • the target device 130 may include a mobile device 130-1, a tablet computer 130-2, a notebook computer 130-3, a built-in device of a motor vehicle 130-4, or the like, or any combination thereof.
  • the mobile device 130-1 may include a smart home device, a smart mobile device, or the like, or any combination thereof.
  • the smart home device may include a smart TV, a desktop computer, etc., or any combination.
  • the smart mobile device may include a smart phone, a personal digital assistant, etc., or any combination thereof.
  • the built-in devices in the motor vehicle 130-4 may include a vehicle-mounted computer, a vehicle-mounted TV, and the like.
  • the target device 130 may be a device with positioning technology for locating the position of the target device 130.
  • the first object 110 may operate on the target APP, and perform human-computer interaction with the server 200 through the target APP. Among them, the first object 110 is associated with the target device 130.
  • the target device 130 may be the mobile phone of the first object 110.
  • the first object 110 and the target virtual resource 170 may be associated through the server 200.
  • the target virtual resource 170 may be stored in the server 200 or in the database 150.
  • the association relationship between the first object 110 and the target virtual resource 170 may be stored in the server 200 or in the database 150 so that the first object 110 can access and call the target virtual resource 170 through the server 200.
  • the server 200 is an Alipay TM system
  • the first object 110 may register an Alipay TM account through the AlipayTM client APP installed on the target device 130.
  • the Alipay TM account can be bound to the identity information of the first object 110.
  • the Alipay TM account can be bound to the fingerprint information, palm print information, ID information, facial image information, mobile phone number information, etc. of the first object 110.
  • the Alipay TM account can also be bound to the target virtual resource 170, for example, to the bank account of the first object 110. Therefore, the first object 110 can access and call the target virtual resource 170 through the AlipayTM account of the AlipayTM client APP.
  • the first object 110 may be associated with multiple virtual resources at the same time.
  • the target virtual resource 170 may include multiple sub-target virtual resources, for example, a sub-target virtual resource 170-1, a sub-target virtual resource 170-2, and so on.
  • the sub-target virtual resource 170-1 is a Bank of China UnionPay card account
  • the sub-target virtual resource 170-2 is an ICBC UnionPay card account
  • the sub-target virtual resource 170-3 is an Alipay TM Yu'E Bao account.
  • the network 120 may facilitate the exchange of information and/or data.
  • the requesting device 140, the target device 130, the server 200, and the database 150 may be connected to the network 120 and transmit information and/or data to each other through the network 120.
  • the server 200 may obtain a service request from the requesting device 140 through the network 120.
  • the server 200 may transmit information and/or data to the target device 130 via the network 120.
  • the network 120 may be any type of wired or wireless network, or a combination thereof.
  • the network 120 may include a cable network, a wired network, an optical fiber network, a telecommunication communication network, an intranet, the Internet, a local area network (LAN), a wide area network (WAN), a wireless local area network (WLAN), a metropolitan area network (MAN), and a wide area network. (WAN), Public Switched Telephone Network (PSTN), Bluetooth network, ZigBee network, Near Field Communication (NFC) network or similar network.
  • the network 120 may include one or more network access points.
  • the network 120 may include wired or wireless network access points, such as base stations and/or Internet exchange points 120-1, 120-2, ..., through which the target device 130, the server 200, and the database 150 One or more components may be connected to the network 120 to exchange data and/or information.
  • wired or wireless network access points such as base stations and/or Internet exchange points 120-1, 120-2, ..., through which the target device 130, the server 200, and the database 150
  • One or more components may be connected to the network 120 to exchange data and/or information.
  • the database 150 may store data and/or instructions. In some embodiments, the database 150 may store data obtained from the target device 130. In some embodiments, the database 150 may store data and/or instructions that the server 200 can execute or be used to execute the method of associating biometrics with virtual resources described in this specification. In some embodiments, the database 150 may store data of the target virtual resource 170 associated with the first object 110.
  • the server 200, the request device 140, and the target device 130 may have access to the database 150, and the server 200, the request data 140, and the target device 130 may access data or instructions stored in the database 150 through the network 120. In some embodiments, the database 150 may be directly connected to the server 200, the requesting device 140, and the target device 130.
  • the database 150 may be part of the server 200.
  • the database 150 may include mass storage, removable storage, volatile read-write memory, read-only memory (ROM), or the like, or any combination thereof.
  • Exemplary mass storage may include non-transitory storage medium, such as magnetic disks, optical disks, and solid-state drives.
  • Example removable storage might include flash drives, floppy disks, optical disks, memory cards, zip disks, tapes, etc.
  • Typical volatile read-write memory may include random access memory (RAM).
  • Example RAMs may include dynamic RAM (DRAM), dual date rate synchronous dynamic RAM (DDR SDRAM), static RAM (SRAM), thyristor RAM (T-RAM), and zero capacitance RAM (Z-RAM).
  • DRAM dynamic RAM
  • DDR SDRAM dual date rate synchronous dynamic RAM
  • SRAM static RAM
  • T-RAM thyristor RAM
  • Z-RAM zero capacitance RAM
  • Exemplary ROMs may include mask ROM (MROM), programmable ROM (PROM), virtual programmable ROM (PEROM), electronic programmable ROM (EEPROM), optical disk (CD-ROM), digital versatile disk ROM, and the like.
  • the database 150 may be implemented on a cloud platform.
  • cloud platforms may include private clouds, public clouds, hybrid clouds, community clouds, distributed clouds, inter-cloud clouds, or the like, or any combination thereof.
  • the first object 110 is associated with the target device 130, and the first object 110 is associated with the target virtual resource 170 through the server 200.
  • the second object 160 may be a person who has no ability to pay, for example, an elderly or a minor, or a group of people without a payment account.
  • the second object 160 may also be a group of people who have the ability to pay or have a payment account.
  • the second object 160 can find a nearby requesting device 140, and initiate an association request on the requesting device 140. For example, the second object 160 may initiate an association request on a face recognition payment device in a nearby supermarket.
  • the second object 160 initiates a request to associate the first object 110 with the second object 160 on the requesting device 140, and the server 200 receives the association request from the requesting device 140 through the network 120; the server 200 obtains the association request from the database 150 or the server 200
  • the target virtual resource 170 associated with the first object 110 the server 200 sends the association request to the target device 130 via the network 120 through the network 120; when the first object 110 agrees to the establishment of the association request on the target device 130, the target device 130 passes
  • the network 120 transmits the information agreeing to the establishment of the association request to the server 200; the server 200 receives the information agreeing to the establishment of the association request from the target device 130, and establishes an association between the second object and the target virtual resource 170.
  • FIG. 2 shows a schematic diagram of a server 200 that associates biological characteristics with virtual resources according to an embodiment of the present specification.
  • the server 200 can execute the method of associating the biometric feature with the virtual resource described in this specification.
  • the method of associating biological characteristics with virtual resources is introduced in other parts of this specification. For example, in the description of FIGS. 3 to 7, the method of associating biological characteristics with virtual resources is introduced.
  • the server 200 includes at least one memory 230 and at least one processor 220.
  • the server 200 may further include a communication port 250 and an internal communication bus 210.
  • the server 200 may also include an I/O component 260.
  • the internal communication bus 210 can connect different system components, including the memory 230 and the processor 220.
  • the I/O component 260 supports input/output between the server 200 and other components (for example, the target device 130).
  • the memory 230 may include a data storage device.
  • the data storage device may be a non-transitory storage medium or a temporary storage medium.
  • the data storage device may include one or more of a magnetic disk 232, a read only memory (ROM) 234, or a random access memory (RAM) 236.
  • the memory 230 also includes at least one instruction set stored in the data storage device.
  • the instructions are computer program codes, and the computer program codes may include programs, routines, objects, components, data structures, procedures, modules, etc. that execute the method of associating biological characteristics with virtual resources provided in this specification.
  • the communication port 250 is used for data communication between the server 200 and the outside world.
  • the server 200 may connect to the network 120 through the communication port 250, and then receive the association request of the first object 110 and the second object 160.
  • At least one processor 220 communicates with at least one memory 230 through an internal communication bus 210. At least one processor 220 is used to execute the at least one instruction set described above. When the system 100 is running, the at least one processor 220 reads and executes the at least one instruction set from the at least one memory 230, and implements the instructions provided in this specification. A method of associating biological characteristics with virtual resources. The processor 220 may execute all the steps included in the method of associating a biological feature with a virtual resource. The processor 220 may be in the form of one or more processors.
  • the processor 220 may include one or more hardware processors, such as a microcontroller, a microprocessor, a reduced instruction set computer (RISC), Application-specific integrated circuit (ASIC), application-specific instruction set processor (ASIP), central processing unit (CPU), graphics processing unit (GPU), physical processing unit (PPU), microcontroller unit, digital signal processor ( DSP), Field Programmable Gate Array (FPGA), Advanced RISC Machine (ARM), Programmable Logic Device (PLD), any circuit or processor capable of performing one or more functions, etc., or any combination thereof.
  • RISC reduced instruction set computer
  • ASIC Application-specific integrated circuit
  • ASIP application-specific instruction set processor
  • CPU central processing unit
  • GPU graphics processing unit
  • PPU physical processing unit
  • microcontroller unit microcontroller unit
  • DSP Digital signal processor
  • FPGA Field Programmable Gate Array
  • ARM Advanced RISC Machine
  • PLD Programmable Logic Device
  • step A and step B can also be performed jointly or separately by two different processors 220 (for example, the first processor performs In step A, the second processor executes step B, or the first and second processors jointly execute steps A and B).
  • Fig. 3 shows a flow chart of a method for associating biological characteristics with virtual resources according to an embodiment of the present specification.
  • the server 200 can execute the method of associating biometrics with virtual resources provided in this specification.
  • the processor 220 in the server 200 can execute the method for associating the biological feature with the virtual resource provided in this specification.
  • the method includes S100-S500.
  • the server 200 receives an association request sent by the requesting device 140 to associate the first object 110 with the second object 160, where the first object 110 is associated with the target virtual resource 170.
  • the requesting device 140 can communicate with the server 200.
  • the requesting device 140 can be an IOT facial recognition payment device 140-1, or a bank smart counter 140-2, and so on.
  • the following description will take the requesting device 140 as an IOT face recognition payment device 140-1 as an example.
  • the first object 110 may be a person who has a payment account and also has the ability to pay.
  • the payment account may be an Alipay TM account, a WeChat Wallet TM account, a Baidu Wallet TM account, and so on.
  • the first object 110 is associated with the target virtual resource 170 through the payment account.
  • the second object 160 may be a person who does not have a payment account or does not have the ability to pay, such as an elderly or a minor, a spouse or other close friends, and so on. Of course, the second object 160 may also be a person with a payment account or the ability to pay.
  • the second object 160 may initiate an association request through the IOT face recognition payment device 140-1 of a nearby supermarket, and the association request includes the identity information of the first object 110.
  • the identity information of the first object 110 may be one or more of the name, ID number, mobile phone number, and payment account of the first object 110.
  • the server 200 receives the association request sent by the IOT face recognition payment device 140-1, it determines the target associated with the first object 110 from the database 150 or the server 200 according to the identity information of the first object 110 in the association request Virtual resources 170.
  • the association request may include the device identification of the requesting device 140, that is, the device identification of the IOT face recognition payment device 140-1.
  • S300 The server 200 confirms through the target device 130 that the first object 110 agrees to the association request, where the target device 130 is associated with the first object 110.
  • the target device 130 is associated with the identity of the first object 110.
  • the target device 130 may be a smart phone, a tablet computer, a laptop computer, etc. of the first object 110.
  • a target APP corresponding to the server 200 is installed on the target device 130.
  • the first object 110 logs in its payment account on the target APP of the target device 130.
  • the payment account number is associated with the target virtual resource 170.
  • the target device 130 is the medium for communicating between the first object 110 and the server 200.
  • the server 200 will establish an association between the second object 160 and the target virtual resource 170 only when the first object 110 confirms that it agrees to the association request. However, only when the first object 110 confirms that the identity of the second object 160 is authentic, will it agree to the association request.
  • the server 200 collects the biological characteristics of the second object 160 by the requesting device 140 and sends it to the first object 110 for verification, so as to help the first object 110 determine the identity of the second object 160.
  • Fig. 4 shows a flow chart for implementing step S300 according to an embodiment of the present specification, that is, confirming the approval of the association request.
  • the server 200 in order to implement step S300, that is, the server 200 confirms through the target device 130 that the first object 110 agrees to the association request, the server 200 is used to perform the steps shown in FIG. 4, including: S310-S350.
  • S310 Receive the biological characteristics of the second object 160 sent by the requesting device 140.
  • the IOT face recognition payment device 140-1 has a biological feature collection module.
  • the IOT face recognition payment device 140-1 has a face collection camera.
  • the IOT face recognition payment device 140-1 may collect the facial image of the second object 160.
  • the IOT face recognition payment device 140-1 can also be equipped with other biometric collection modules.
  • the IOT face recognition payment device 140-1 can be equipped with a fingerprint collection module, a palm print collection module, a sound collection module, an iris collection module, and a sclera. Acquisition module, bone projection acquisition module, etc.
  • step S310 the IOT face recognition payment device 140-1 sends the collected biological characteristics of the second object 140 to the server 200 via the network 120, and the server 200 successfully receives it.
  • S330 Send a verification request for the biological characteristics of the second object 160 and the biological characteristics of the second object 160 to the target device 130.
  • the first object 110 needs to verify the identity of the second object 160. Only when the identity of the second object 160 is verified, can the first object 110 agree to establish the second object 160 and the target virtual Resource 170 association. Therefore, after the server 200 receives the biological characteristics of the second object 160 sent by the IOT face recognition payment device 140-1, it needs to send the biological characteristics of the second object 160 to the first object 110 for identity verification. Therefore, the server 200 may send the biological characteristics of the second object 160 and a verification request for the biological characteristics of the second object 160 to the target device 130.
  • the server 200 receives the verification result of the biological characteristics of the second object 160 sent by the target device 130.
  • the server 200 sends a verification request for the biometrics of the second object 160 to the first The target device 130 to which the object 110 is associated.
  • the verification request may be a request for whether the first object 110 agrees to perform identity verification on the second object 160.
  • the verification request can be sent to the first object 110 by means of a short message, or can be sent to the first object 110 by a target APP on the target device 130 or by other means.
  • the sending method is not particularly limited in this specification.
  • the server 200 sends the biological characteristics of the second object 160 to the target device 130 for identity verification.
  • facial image verification as an example for illustration.
  • cooperative and silent verification can be used.
  • the matching formula is for the second object 160 to perform specified facial actions, such as blinking, opening the mouth, shaking the head, raising the head, etc.
  • the randomness is increased through the order and number of times; the silent verification does not require the second object 160 to perform tedious facial movements, only real-time Take a photo or a video of a face, and you can perform a live verification.
  • This facial image verification method can perform strict verification and identification on the facial photos and videos played through the display, and can prevent the photo and video attacks from passing the verification.
  • the association request is stopped, and the second object 160 can re-initiate the association request.
  • the first object 110 sends the verification result of the second object 160 to the server 200 through the target device 130.
  • the server 200 sends a confirmation request for the association request to the target device 130, and the confirmation request for the association request may be the first object 110 whether to agree to the request to establish the association.
  • the association request is stopped, and the second object 160 can re-initiate the association request.
  • S350 Receive confirmation information sent by the target device 130 for agreeing to the association request.
  • the server 200 After the server 200 sends a confirmation request for the association request to the target device 130, if the first object 110 agrees to the association request, the first object 110 can operate the target device 130 to send a confirmation of agreeing to the association request to the server 200 Information; the server receives the confirmation information sent by the target device 130 to agree to the association request and executes step S500. When the biological characteristics of the second object 160 are verified, the server 200 may send a confirmation request for the association request to the target device 130. When the first object 110 confirms that it does not agree to the association request, the server 200 stops executing the association request, and the second object 160 can re-initiate the association request.
  • the server 200 completes the verification of the biological characteristics of the second object 160 by requesting the device 140 to collect the biological characteristics of the second object 160, and confirming the biological characteristics of the second object 160 through the target device 130.
  • the server 200 may also collect the biological characteristics of the second object 160 through the requesting device 140, and then collect the identity information of the second object 160 through the target device 130, by combining the biological characteristics of the second object 160 with the identity information of the second object 160.
  • the identity information of the second object 160 is sent to the authentication system for matching analysis to help the first object 110 determine the identity of the second object 160.
  • Fig. 5 shows another implementation step S300 provided according to an embodiment of this specification, that is, a flowchart of confirming the approval of the association request.
  • step S300 that is, the server 200 confirms through the target device 130 that the first object 110 agrees to the association request
  • the server 200 is used to perform the steps shown in FIG. 5, including: S410-S470.
  • S410 Receive the biological characteristics of the second object 160 sent by the requesting device 140.
  • the request device 140 is an IOT face recognition payment device 140-1 as an example for description.
  • the IOT face recognition payment device 140-1 sends the collected biological characteristics of the second object 160 to the server 200 through the network 120, and the server 200 successfully receives it.
  • S430 Receive the identity information of the second object 160 sent by the target device 130.
  • the first object 110 sends the identity information of the second object 160 to the server 200 through the target device 130.
  • the identity information of the second object 160 includes, but is not limited to, the identity information of the second object 160, mobile phone number information, etc., which are different from the biological characteristics collected by the requesting device 140, but can confirm the identity of the second object 160.
  • S450 Match the biological characteristics of the second object 160 with the identity information of the second object 160.
  • step S450 the server 200 matches the biological characteristics of the second object 160 from the IOT face recognition payment device 140-1 with the identity information of the second object 160 from the target device 130 to help the first object 110 confirms the identity of the second object 160.
  • the server 200 may further perform the following steps, including: S452-S454.
  • the server 200 sends the biological characteristics of the second object 160 and the identity information of the second object 160 to the authentication system for matching analysis. Specifically, after the server 200 receives the biological characteristics of the second object 160 sent by the IOT face recognition payment device 140-1 and the identity information of the second object 160 sent by the target device 130, the server 200 sends the two to the second object 160 stored therein. The biological characteristics of the object 160 and the authentication system of the identity information are matched and analyzed, for example, the public security system. The server 200 obtains a matching result between the biological characteristics of the second object 160 and the identity information of the second object 160 through matching analysis and calculation.
  • the server 200 sends the matching result to the target device 130.
  • the server 200 sends a confirmation request for the association request to the target device 130.
  • the confirmation request for the association request may be a request for whether the first object 110 confirms that it agrees to establish the association.
  • the server 200 stops executing the association request, and the second object 160 can re-initiate the association request.
  • S470 Receive confirmation information sent by the target device 130 for agreeing to the association request.
  • the first object 110 sends the confirmation result information to the server 200 through the target device 130.
  • the server 200 receives the confirmation result information.
  • the server 200 executes step S500; when the first object 110 confirms that it does not agree to the association request, the server 200 stops executing the association request, and the second object 160 can re-initiate the association request. ask.
  • the server 200 establishes an association between the biological feature of the second object 160 and the target virtual resource 170.
  • the server 200 After confirming the identity of the second object 160 and receiving the confirmation of the association request from the target device 130, for security reasons, before the server 200 establishes the association between the biological characteristics of the second object 160 and the target virtual resource 170, It is also necessary to verify the identity of the first object 110 to ensure that it is the person operating it.
  • Fig. 6 shows a flow chart for establishing the association according to an embodiment of the present specification.
  • step S500 that is, the server 200 establishes the association between the biological characteristics of the second object 160 and the target virtual resource 170
  • the server 200 is used to perform the steps shown in FIG. 6, including S510-S550.
  • the identity verification information may include at least one of verification code verification and biometric verification.
  • the server 200 may send a short message verification code to the target device 130.
  • the server 200 may send a fingerprint verification request, palmprint verification request, voice verification request, or facial recognition verification request to the target device 130, and so on.
  • S530 Receive the identity verification result sent by the target device 130.
  • the server 200 sends the SMS verification code to the target device 130
  • the first object 110 sends the verification code to the server 200 by logging in to the target APP.
  • the server 200 sends a fingerprint verification request, a palm print verification request, a voice verification request, or a facial recognition verification request to the target device 130
  • the first object 110 collects its own fingerprint data, palm print data, voice data, or data through the target device 130.
  • the facial image data is sent to the server 200.
  • S550 When the identity verification result of the first object 110 is passed, establish an association between the biological characteristics of the second object 160 and the target virtual resource 170.
  • the server 200 compares the data sent by the target device 130 with the data of the first object 110 stored in the database 150 or the server 200, and if it matches, it proves that the first object 110 has passed the identity verification, and the server 200 establishes the second object.
  • the biometric feature of 160 is associated with the target virtual resource 170. If the first object 110 fails the identity verification, the server 200 stops executing the association request, and the second object 160 can re-initiate the association request.
  • the first object 110 may make some provisions on the applicable scope of the association, so as to meet the usage requirements of different users.
  • the server 200 may send association selection information to the target device 130; then, receive the association selection result of the association selection information sent by the target device 130; establish that the biological characteristics of the second object 160 are the same as the target based on the association selection result. Association of virtual resources 170.
  • the association selection information includes at least one of the following selection information: selecting at least one of the target virtual resources 170 to be associated with the biological characteristics of the second object 160; selection of the associated usage scenario; and an association limit amount s Choice.
  • the target virtual resource 170 may include multiple sub-target virtual resources, for example, the sub-target virtual resource 170-1, the sub-target virtual resource 170-2, and so on.
  • the sub-target virtual resource 170-1 is a Bank of China UnionPay card account
  • the sub-target virtual resource 170-2 is an ICBC UnionPay card account
  • the sub-target virtual resource 170-3 is a Yu'ebao account.
  • the association selection information may include: the first object 110 is to select at least one of the multiple sub-target virtual resources of the target virtual resource 170 to be associated with the biological characteristics of the second object 160.
  • the association selection information may further include: the first object 110 is to select a usage scenario to which the association is applicable. For example, a certain brand supermarket payment scene, a certain brand restaurant payment scene, a certain shopping mall payment scene, and so on.
  • the association between the biological characteristics of the second object 160 and the target virtual resource 170 is established.
  • the second object 160 The association between the biological feature and the target virtual resource 170 is not established.
  • the association selection information may further include: selecting a limited amount of sub-target virtual resources associated with the biological characteristics of the second object 160. For example: daily limit payment limit, single payment limit limit, and so on.
  • the associated selection information may also include other information, such as the selection of the associated location, the selection of the associated time, and so on.
  • the first object 110 sends the selection made to the associated selection information to the server 200 through the target device 130 and generates the associated selection result, and the associated selection result is sent to the server 200 through the target device 130.
  • the server 200 After receiving the association selection result sent by the target device 130, the server 200 establishes an association between the biological feature of the second object 160 and the target virtual resource 170 based on the association selection result.
  • the association between the biological characteristics of the second object 160 and the target virtual resource 170 established by the method of associating the biological characteristics with the virtual resources provided in this specification can be applicable to different payment scenarios.
  • the association of the biological characteristics of the second object 160 with the target virtual resource 170 includes a license for the target virtual resource 170 to be transferred to a payable device.
  • the payable device may be a payment device with a biometric recognition function, such as an IOT facial payment device in a supermarket, or a POS machine, and so on.
  • the license refers to the authorization license of the corresponding function application.
  • the association between the biological characteristics of the second object 160 and the target virtual resource 170 includes the license transferred from the target virtual resource 170 to the requesting device 140, that is, the biological characteristics of the second object 160 are the same The association of the target virtual resource 170 allows the target virtual resource 170 to be paid to the requesting device 140.
  • the association of the biological characteristics of the second object 160 with the target virtual resource 170 includes a license transferred from the target virtual resource 170 to the third object 190 associated with the requesting device 140, that is, the first The association of the biological characteristics of the second object 160 with the target virtual resource 170 allows the target virtual resource 170 to be paid to the third object 190 associated with the requesting device 140.
  • the association between the biological characteristics of the second object 160 and the target virtual resource 170 includes the license that the target virtual resource 170 transfers to all payable devices, that is, the second object 160’s
  • the association of the biometrics with the target virtual resource 170 allows the target virtual resource 170 to be paid to all payable devices.
  • Figure 7 shows a schematic diagram of an association relationship.
  • the second object 160 initiates an association request on the IOT face recognition payment device 140-1 a shown in FIG. 7, and successfully establishes the association between the biological characteristics of the second object 160 and the target virtual resource 170.
  • the IOT face recognition payment device 140-1a is associated with the identity of the third object 190.
  • the third object 190 is also associated with multiple IOT face recognition payment devices at the same time, for example, the IOT face recognition payment device 140-1b, the IOT face recognition payment device 140-1c, and so on.
  • the association may only be established on the IOT face recognition payment device 140-1a that initiated the association request.
  • the association between the biological characteristics of the second object 160 and the target virtual resource 170 is established, and the IOT face recognition payment device 140-1a can collect the first
  • the biological characteristics of the second object 160 confirm the association relationship, so that payment is completed from the target virtual resource 170.
  • the second object 160 pays on another device associated with the third object 190, for example, when paying on the IOT face recognition payment device 140-1b, the association is not established and the IOT face recognition payment device 140-1b cannot Deduct money from the target virtual resource 170.
  • the association may be established on all devices associated with the third object 190 that has a preset association relationship with the requesting device IOT face recognition payment device 140-1a.
  • the second object 160 initiates an association request on the IOT face recognition payment device 140-1a, and successfully establishes the association between the biological characteristics of the second object 160 and the target virtual resource 170.
  • the association between the biological characteristics of the second object 160 and the target virtual resource 170 is established, and the IOT face recognition payment
  • the device 140-1 b or the IOT face recognition payment device 140-1 c can confirm the association relationship by collecting the biological characteristics of the second object 160, so as to complete the payment from the target virtual resource 170.
  • the second object 160 pays on another device that is not associated with the third object 190, the association is not established, and the other device cannot deduct the target virtual resource 170.
  • association between the biological characteristics of the second object 160 and the target virtual resource 170 can be applied to all payment scenarios, that is, the association is established on all payable IOT face recognition payment devices 140-1.
  • the first object 110 may establish an association relationship with one second object 160, or may establish an association relationship with multiple second objects 160.
  • the target virtual resource 170 may establish an association relationship with one second object 160, or may establish an association relationship with multiple second objects 160.
  • the first object 110 can establish an association relationship with parents, spouses, and children at the same time.
  • the second object 160 may also establish an association relationship with one first object 110, or establish an association relationship with multiple first objects 110.
  • the second object 160 may establish an association relationship with one target virtual resource 170, or may establish an association relationship with multiple target virtual resources 170.
  • the elderly can establish relationships with the eldest son, younger son, and daughter at the same time.
  • the method, system 100, and storage medium for associating biological characteristics with virtual resources can associate the biological characteristics of the second object 160 with the first object 110 through the requesting device 140 (third-party device).
  • An association is established between the target virtual resources 170 of the target virtual resource 170, and the first object 110 and the second object 160 do not need to be face-to-face, and the second object 160 does not need to apply for an account first.
  • the association may only apply to the requesting device 140 or It is applicable to the third object 190 that has a preset association with the requesting device 140, and also applicable to all scenarios.
  • the method and system 100 provide great convenience for users who are not familiar with the Internet, have no account, and cannot apply for association face-to-face in time.
  • Another aspect of this specification provides a non-transitory storage medium that stores at least one set of executable instructions for associating biological characteristics with virtual resources.
  • the executable instructions When the executable instructions are executed by a processor, the executable instructions The instructions guide the processor to implement the steps of the method for associating biological characteristics with virtual resources described in this specification.
  • various aspects of this specification can also be implemented in the form of a program product, which includes program code.
  • the program product runs on the target device 130, the program code is used to make the target device 130 execute the steps of pushing information described in this specification.
  • the program product used to implement the above method may adopt a portable compact disk read-only memory (CD-ROM) and include program code, and may run on the target device 130, such as a personal computer.
  • CD-ROM portable compact disk read-only memory
  • the program product of this specification is not limited to this.
  • the readable storage medium can be any tangible medium that contains or stores a program, and the program can be used by an instruction execution system (for example, the processor 220) or used in combination therewith.
  • the program product can use any combination of one or more readable media.
  • the readable medium may be a readable signal medium or a readable storage medium.
  • the readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or a combination of any of the above.
  • readable storage media include: electrical connections with one or more wires, portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
  • the computer-readable storage medium may include a data signal propagated in baseband or as a part of a carrier wave, and readable program code is carried therein. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • the readable storage medium may also be any readable medium other than the readable storage medium, and the readable medium may send, propagate, or transmit the program for use by or in combination with the instruction execution system, apparatus, or device.
  • the program code contained on the readable storage medium can be transmitted by any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above.
  • the program code used to perform the operations of this specification can be written in any combination of one or more programming languages.
  • the programming languages include object-oriented programming languages—such as Java, C++, etc., as well as conventional procedural styles. Programming language-such as "C" language or similar programming language.
  • the program code can be executed entirely on the target device 130, partly executed on the target device 130, executed as an independent software package, partly executed on the target device 130 and partly executed on a remote computing device, or entirely on the remote computing device or Execute on the server (server 200).
  • the remote computing device may be connected to the target device 130 through the network 120, or may be connected to an external computing device.

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Abstract

本说明书提供一种新的将生物特征同虚拟资源关联的方法、执行此方法的系统和存储有用来执行此方法指令的非暂时性存储介质，所述方法和系统可以通过请求设备(第三方设备)将第二对象(申请人)的生物特征同与第一对象(虚拟资源持有者)相关联的目标虚拟资源之间建立关联，所述方法和系统包括：服务器接收请求设备发送的将第一对象同第二对象相关联的关联请求，其中，所述第一对象同目标虚拟资源相关联；所述服务器通过目标设备确认所述第一对象同意所述关联请求，其中，所述目标设备同所述第一对象相关联；所述服务器建立所述第二对象的生物特征同所述目标虚拟资源的关联。

Description

一种将生物特征同虚拟资源关联的方法、系统及非暂时性存储介质 技术领域
本说明书涉及互联网领域，尤其涉及一种将生物特征同虚拟资源关联的方法、系统及非暂时性存储介质。
背景技术
随着计算机和网络技术的发展，共享经济也越来越广泛的得到应用，可以通过互联网技术，将一个用户的虚拟资源(比如微信、支付宝、银行账号中用来电子支付的钱，或者电子游戏账号中可转移的点数、积分等等)与该用户的亲人和朋友共享。目前关联方式主要有两种，第一种是账号关联，比如，关联双方使用目标设备(例如手机)申请相应的虚拟资源账号，一方用户使用目标设备将亲人的虚拟资源账号与自己的虚拟资源账号进行关联，亲人就可以通过这种账户关联使用其关联的虚拟资源账号；第二种是生物特征关联，比如亲人或密友与用户面对面通过用户的目标设备进行操作，将亲人或密友的生物特征同用户的虚拟资源账号相关联，不需要亲人或密友申请虚拟资源账号。
为了更便捷地建立用户与虚拟资源之间的关联关系，需要提供一种更便捷的关联方式，比如，将生物特征同虚拟资源关联。
发明内容
本说明书提供一种更便捷的关联方式建立用户与虚拟资源之间的关联关系。
本说明书提供一种将生物特征同虚拟资源关联的方法、执行此方法的系统和存储有用来执行此方法指令的非暂时性存储介质，所述方法和系统可以通过请求设备(第三方设备)将第二对象(申请人)的生物特征同与第一对象(比如虚拟资源持有者)相关联的虚拟资源之间建立关联，而不需要第一对象和第二对象面对面，也不需要第二对象先申请账号，所述关联可以仅适用于所述请求设备，也可以适用于与所述请求设备有预设关联的第三对象，也可以适用于所有场景。所述方法和系统为那些不熟悉互联网、没有账号、又无法及时面对面申请关联的用户(比如老人或者未成年人)提供了极大的便利。
本说明书一方面提供一种将生物特征同虚拟资源关联的方法，包括：服务器接收请求设备发送的将第一对象同第二对象相关联的关联请求，其中，所述第一对象同目标虚拟资源相关联；所述服务器通过目标设备确认所述第一对象同意所述关联请求，其中，所述目标设备同所述第一对象相关联；以及所述服务器建立所述第二对象的生物特征同所述目标虚拟资源的关联。
在一些实施例中，所述服务器通过所述目标设备确认所述第一对象同意所述关联 请求包括：接收所述请求设备发送的所述第二对象的生物特征；向所述目标设备发送所述第二对象的生物特征以及对所述第二对象的生物特征的验证请求；以及接收所述目标设备发送的同意所述关联请求的确认信息。
在一些实施例中，所述服务器通过所述目标设备确认所述第一对象同意所述关联请求包括：接收所述请求设备发送的所述第二对象的生物特征；接收所述目标设备发送的所述第二对象的身份信息；将所述第二对象的生物特征与所述第二对象的身份信息进行匹配；以及接收所述目标设备发送的同意所述关联请求的确认信息。
在一些实施例中，所述将所述第二对象的生物特征与所述第二对象的身份信息进行匹配包括：将所述第二对象的生物特征同所述第二对象的身份信息发送给认证系统进行匹配分析；以及当所述第二对象的生物特征同所述第二对象的身份信息相匹配时，向所述目标设备发送匹配结果，以及针对所述关联请求的确认请求。
在一些实施例中，所述关联请求还包括所述请求设备的设备标识，其中，所述请求设备同所述服务器进行通讯。
在一些实施例中，所述第二对象的生物特征同所述目标虚拟资源的关联包括所述目标虚拟资源向所述请求设备或第三对象转移的许可证，其中，所述请求设备与所述第三对象关联。
在一些实施例中，所述服务器建立所述第二对象的生物特征同所述目标虚拟资源的关联还包括：向所述目标设备发送针所述第一对象的身份验证信息；接收所述目标设备发送的身份验证结果；当所述身份验证结果为通过时，建立所述第二对象的生物特征同所述目标虚拟资源的关联。
在一些实施例中，所述身份验证信息包括验证码验证和生物特征验证中的至少一种。
在一些实施例中，所述建立所述第二对象的生物特征同所述目标虚拟资源的关联包括：向所述目标设备发送关联选择信息；接收对所述关联选择信息的关联选择结果；建立所述第二对象的生物特征同所述目标虚拟资源的关联。
在一些实施例中，所述关联选择信息包括至少一种：从所述目标虚拟资源中选择至少一个同所述第二对象的生物特征建立关联；所述关联的使用场景的选择；以及关联限定额度的选择。
在一些实施例中，所述生物特征包括面部图像、虹膜、巩膜、指纹、掌纹、声纹、骨骼投影中的一种或多种。
本说明书第二方面提供一种将生物特征同虚拟资源建立关联的系统，包括：至少一个存储器和至少一个处理器，所述至少一个存储器包括至少一个指令集用于将生物特征同虚拟资源建立关联；所述至少一个处理器同所述至少一个存储器进行通讯，其中当 所述系统运行时，所述至少一个处理器读取所述至少一个指令集并实施本说明书所述的将生物特征同虚拟资源建立关联的方法。
本说明书第三方面提供一种非暂时性存储介质，存储有至少一个指令集用于将生物特征同虚拟资源建立关联，当所述至少一个指令集被处理器执行时，所述处理器根据所述至少一个指令集实施本说明书所述的将生物特征同虚拟资源建立关联的方法。
由以上技术方案可知，本说明书提供的将生物特征同虚拟资源关联的方法、系统和非暂时性存储介质，可以通过请求设备(第三方设备)将第二对象(申请人)的生物特征同与第一对象(比如虚拟资源持有者)相关联的虚拟资源之间建立关联，而不需要第一对象和第二对象面对面，也不需要第二对象先申请账号，所述关联可以仅适用于所述请求设备，也可以适用于与所述请求设备有预设关联的第三对象，也可以适用于所有场景。所述方法和系统为那些不熟悉互联网、没有账号、又无法及时面对面申请关联的用户提供了极大的便利。
本说明书提供的将生物特征同虚拟资源关联的方法、系统和非暂时性存储介质的其他功能将在以下说明中部分列出。根据描述，以下数字和示例介绍的内容将对那些本领域的普通技术人员显而易见。本说明书提供的将生物特征同虚拟资源关联的方法、系统和存储介质的创造性方面可以通过实践或使用下面详细示例中所述的方法、装置和组合得到充分解释。
附图说明
为了更清楚地说明本说明书实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1示出了根据本说明书实施例提供的一种将生物特征同虚拟资源关联的系统的示意图；
图2示出了根据本说明书实施例提供的一种将生物特征同虚拟资源关联的服务器的示意图；
图3示出了根据本说明书实施例提供的一种将生物特征同虚拟资源关联的方法流程图；
图4示出了根据本说明书实施例提供的一种确认同意关联请求的流程图；
图5示出了根据本说明书实施例提供的另一种确认同意关联请求的流程图；
图6示出了根据本说明书实施例提供的一种建立关联的流程图；
图7示出了根据本说明书实施例提供的一种关联关系示意图。
具体实施方式
以下描述提供了本说明书的特定应用场景和要求，目的是使本领域技术人员能够制造和使用本说明书中的内容。对于本领域技术人员来说，对所公开的实施例的各种局部修改是显而易见的，并且在不脱离本说明书的精神和范围的情况下，可以将这里定义的一般原理应用于其他实施例和应用。因此，本说明书不限于所示的实施例，而是与权利要求一致的最宽范围。
这里使用的术语仅用于描述特定示例实施例的目的，而不是限制性的。比如，除非上下文另有明确说明，这里所使用的，单数形式“一”，“一个”和“该”也可以包括复数形式。当在本说明书中使用时，术语“包括”、“包含”和/或“含有”意思是指所关联的整数，步骤、操作、元素和/或组件存在，但不排除一个或多个其他特征、整数、步骤、操作、元素、组件和/或组的存在或在该系统/方法中可以添加其他特征、整数、步骤、操作、元素、组件和/或组。
考虑到以下描述，本说明书的这些特征和其他特征、以及结构的相关元件的操作和功能、以及部件的组合和制造的经济性可以得到明显提高。参考附图，所有这些形成本说明书的一部分。然而，应该清楚地理解，附图仅用于说明和描述的目的，并不旨在限制本说明书的范围。还应理解，附图未按比例绘制。
本说明书中使用的流程图示出了根据本说明书中的一些实施例的系统实现的操作。应该清楚地理解，流程图的操作可以不按顺序实现。相反，操作可以以反转顺序或同时实现。此外，可以向流程图添加一个或多个其他操作。可以从流程图中移除一个或多个操作。
将虚拟资源与用户关联的方式主要有两种。第一种是账号关联，这种关联方式需要关联双方都持有目标设备(例如手机)和相应的虚拟资源账号，要想实现账户关联必须先使用目标设备申请相应的账号，其操作流程麻烦，特别是对于不熟悉互联网的人群(例如老人)来说，实现账户关联极其不方便。第二种是生物特征关联，比如将亲人或密友的生物特征同用户的虚拟资源账号相关联，这种关联方式不需要亲人或密友申请虚拟资源账号，但需要亲人或密友与用户面对面通过用户的目标设备进行操作，无法满足身处异地的用户使用。并且现有的关联均为用户与用户之间的关联，无法限制用户在特定场景使用该关联。
本说明书提出了将生物特征同虚拟资源关联的方法和系统，所述方法和系统可以通过请求设备(第三方设备)建立第二对象的生物特征同第一对象的目标虚拟资源之间的关联关系。在满足异地用户使用的情况下，同时能限制关联关系的使用场景。首先，在对本说明书实施例进行描述的过程中出现的部分名词或术语作如下解释。
生物特征：可以是人体所固有的生物特征，可以用来进行个人身份验证。生物特征包括面部图像、虹膜、巩膜、指纹、掌纹、声纹、骨骼投影中的一种或多种。在一些实施例中，生物特征还可以包括DNA、染色体、行为姿态等等。
虚拟资源：随着互联网的诞生而诞生的，是指运用数据库、程序编辑而成的信息资源，通过网络传递和流通，比如网上钱包、网上图书馆、网上商城等等。本说明书中描述的虚拟资源包括但不限于以电子方式存在的资金资源、身份信息、电子游戏中的可转让积分、信誉担保等等。所述资金资源可以是存储在各种理财应用(APP)上的资金，例如存储在支付宝钱包 TM、微信钱包 TM、百度钱包 TM上的资金，等等。所述身份信息可以是能够用于证明个人身份的信息，例如，身份证信息，手机号信息，等等。
图1示出了根据本说明书实施例提供的一种将生物特征同虚拟资源关联的系统100的示意图。将生物特征同虚拟资源关联的系统100(以下简称系统100)可以应用于很多不同的场景。例如，系统100可以应用在委托代理场景，当第一对象110委托第二对象160代为办理一些业务时，例如第一对象110委托第二对象160代为领取房产证时，第二对象160可以通过系统100同第一对象110的目标虚拟资源建立关联，此时，所述目标虚拟资源可以是第一对象110的身份信息；通过验证第二对象160的生物特征信息或身份信息，验证第一对象110和第二对象160之间的关联关系，从而确认委托代理关系。再比如，系统100可以应用在电子支付场景，当第二对象160需要使用第一对象110的电子资金资源(即可以电子支付的资金)进行支付时，第二对象160可以通过系统100同第一对象110的目标虚拟资源建立关联，此时，所述目标虚拟资源是第一对象110的电子资金资源，通过验证第二对象160的生物特征信息或身份信息，验证第一对象110和第二对象160之间的关联关系，从而使用第一对象110的电子资金资源进行支付。纯粹为了展示的需要，下面的描述将以系统100应用在电子支付场景为例进行说明。
如图1所示，系统100可以包括服务器200、请求设备140、目标设备130、目标虚拟资源170、网络120以及数据库150。
服务器200可以存储有执行本说明书描述的将生物特征同虚拟资源关联的方法的数据和/或指令。服务器200可以执行或用于执行本说明书中描述的将生物特征同虚拟资源关联的方法的数据和/或指令。
请求设备140可以是与服务器200建立通讯关系的终端设备。第二对象160可以是申请人并且可以在请求设备140上向服务器200发起关联请求。第二对象160与请求设备140之间不存在关联关系。请求设备140可以包括显示器，所述显示器可以是触摸屏式的液晶显示器(LCD)。所述显示器具有图像用户界面(GUI)，可使得第二对象160通过触摸所述图像用户界面(GUI)和/或通过手势与服务器200进行人机交互。在一些实施例中，所述人机交互功能包括但不限于：网络浏览、文字处理、采集生物特征等。请求设备140可以包括生物特征采集模块，用于采集第二对象160的生物特征信息。 比如，所述生物特征采集模块可以采集申请人的面部图像、虹膜图像、巩膜图像、指纹图像、掌纹图像、声纹文件、骨骼投影图像等生物特征中的一种或者多种。在一些实施例中，用于执行上述人机交互功能的可执行指令被存储在一个或多个处理器可执行的计算机程序产品或可读存储介质中。在另一些实施例中，用于执行上述人机交互功能的可执行指令被存储在服务器200中。在一些实施例中，请求设备140可以是智能电子设备，比如手机或者其他IOT(物联网，the Internet of Things，简称IOT)设备。例如，请求设备140可以是超市中的IOT人脸识别支付设备140-1，请求设备140还可以是银行里的智能柜台140-2，等等。
目标设备130可以是载有目标应用(目标APP)的智能设备。第一对象110是目标设备130的使用者。目标设备130可以安装有一个或多个应用(APP)。所述APP能够为第一对象110提供通过网络120同外界交互的能力以及界面。所述APP包括但不限于：聊天类APP程序、购物类APP程序、视频类APP程序、理财类APP程序等等，例如支付宝 TM、淘宝 TM、京东 TM和/或银行等金融服务机构、理财产品等APP程序。所述目标APP是指与服务器200相对应的客户端APP。例如，当服务器200是中国银行系统时，所述目标APP是中国银行客户端APP，当服务器200是支付宝 TM系统时，所述目标APP是支付宝 TM客户端APP。目标设备130和服务器200之间可以互相通讯。在一些实施例中，目标设备130可以包括移动设备130-1、平板电脑130-2、笔记本电脑130-3、机动车辆130-4的内置设备或类似内容，或其任意组合。在一些实施例中，移动设备130-1可包括智能家居设备、智能移动设备或类似设备，或其任意组合。在一些实施例中，所述智能家居装置可包括智能电视、台式电脑等，或任意组合。在一些实施例中，所述智能移动设备可包括智能手机、个人数字辅助等，或其任意组合。在一些实施例中，机动车130-4中的内置装置可包括车载计算机、车载电视等。在一些实施例中，目标设备130可以是具有定位技术的设备，用于定位目标设备130的位置。
第一对象110可以在所述目标APP上进行操作，通过所述目标APP与服务器200进行人机交互。其中，第一对象110和目标设备130相关联。例如，目标设备130可以是第一对象110的手机。
第一对象110与目标虚拟资源170可以通过服务器200关联。比如，目标虚拟资源170可以存储在服务器200中，也可以存储在数据库150中。第一对象110和目标虚拟资源170的关联关系可以存储在服务器200中，也可以存储在数据库150中，以便第一对象110可以通过服务器200访问、调用目标虚拟资源170。举例来说，当服务器200是支付宝 TM系统时，第一对象110可以通过安装在目标设备130上的支付宝 TM客户端APP注册支付宝 TM账号。所述支付宝 TM账号可以同第一对象110的身份信息绑定，例如，支付宝 TM账号可以绑定第一对象110的指纹信息、掌纹信息、身份证信息、面部图像信息、手机号信息等等中的一种或多种。进一步地，所述支付宝 TM账号还可以同目标虚拟资源170绑定，比如同第一对象110的银行账号绑定。因此，第一对象110可 以通过支付宝 TM客户端APP的支付宝 TM账号访问并调用目标虚拟资源170。第一对象110可以同时同多个虚拟资源相关联。相应地，目标虚拟资源170可以包括多个子目标虚拟资源，例如，子目标虚拟资源170-1、子目标虚拟资源170-2，等等。例如，子目标虚拟资源170-1是中国银行银联卡账户，子目标虚拟资源170-2是中国工商银行银联卡账户，子目标虚拟资源170-3是支付宝 TM余额宝账户。
网络120可以促进信息和/或数据的交换。如图1所示，请求设备140、目标设备130、服务器200、数据库150可以同网络120连接，并且通过网络120互相传输信息和/或数据。例如，服务器200可以通过网络120从请求设备140获取服务请求。又比如，服务器200可以通过网络120向目标设备130传输信息和/或数据。在一些实施例中，网络120可以是任何类型的有线或无线网络，也可以是其组合。比如，网络120可以包括电缆网络，有线网络、光纤网络、电信通信网络、内联网、互联网、局域网(LAN)、广域网(WAN)、无线局域网(WLAN)、大都市市区网(MAN)、广域网(WAN)、公用电话交换网(PSTN)、蓝牙网络、ZigBee网络、近场通信(NFC)网络或类似网络。在一些实施例中，网络120可以包括一个或多个网络接入点。例如，网络120可以包括有线或无线网络接入点，如基站和/或互联网交换点120-1、120-2、...，通过该接入点，目标设备130、服务器200、数据库150的一个或多个组件可以连接到网络120以交换数据和/或信息。
数据库150可以存储数据和/或指令。在一些实施例中，数据库150可以存储从目标设备130获得的数据。在一些实施例中，数据库150可以存储服务器200可以执行或用于执行本说明书中描述的将生物特征同虚拟资源关联的方法的数据和/或指令。在一些实施例中，数据库150可以存储与第一对象110关联的目标虚拟资源170的数据。服务器200、请求设备140和目标设备130可以具有访问数据库150的权限，服务器200、请求数据140和目标设备130可以通过网络120访问存储在数据库150中的数据或指令。在一些实施例中，数据库150可以直接连接到服务器200、请求设备140和目标设备130。在一些实施例中，数据库150可以是服务器200的一部分。在一些实施例中，数据库150可以包括大容量存储、可移动存储、易失性读写存储器、只读存储器(ROM)或类似内容，或其任意组合。示例性大容量存储可能包括磁盘、光盘、固态驱动器等非暂时性存储介质(non-transitory storage medium)。示例可移动存储可能包括闪存驱动器、软盘、光盘、存储卡、zip磁盘、磁带等。典型的易失性读写内存可能包括随机存取存储器(RAM)。示例RAM可能包括动态RAM(DRAM)、双日期速率同步动态RAM(DDR SDRAM)、静态RAM(SRAM)、晶闸管RAM(T-RAM)和零电容RAM(Z-RAM)等。示例性ROM可包括掩码ROM(MROM)、可编程ROM(PROM)、可虚拟可编程ROM(PEROM)、电子可编程ROM(EEPROM)、光盘(CD-ROM)和数字多功能磁盘ROM等。在一些实施例中，数据库150可以在云平台上实现。仅举例，云平台可能包括私有云、公共云、混合云、社区云、分布式云、云间云或类似，或其任意组合。
如图1所示，第一对象110与目标设备130关联，并且第一对象110通过服务器200与目标虚拟资源170相关联。第二对象160可以是没有支付能力的人，比如，老人或未成年人，或者是没有支付账号的人群。第二对象160也可以是有支付能力，或者有支付账号的人群。第二对象160可以找到附近的一个请求设备140，在请求设备140上发起关联请求。比如，第二对象160可以在附近一家超市的人脸识别支付设备上发起关联请求。第二对象160在请求设备140上发起将第一对象110和第二对象160关联的请求，服务器200通过网络120接收到来自请求设备140的关联请求；服务器200从数据库150或服务器200中获取与第一对象110关联的目标虚拟资源170；服务器200通过网络120将所述关联请求通过网络120发送给目标设备130；当第一对象110在目标设备130上同意建立关联请求时，目标设备130通过网络120将同意建立关联请求的信息传输给服务器200；服务器200收到来自目标设备130的同意建立关联请求的信息，建立第二对象与目标虚拟资源170之间的关联。
图2示出了根据本说明书实施例提供的一种将生物特征同虚拟资源关联的服务器200的示意图。服务器200可以执行本说明书描述的将生物特征同虚拟资源关联的方法。所述将生物特征同虚拟资源关联的方法在本说明书中的其他部分介绍。比如，在图3至图7的描述中介绍了所述将生物特征同虚拟资源关联的方法。
如图2所示，服务器200包括至少一个存储器230和至少一个处理器220。在一些实施例中，服务器200还可以包括通信端口250和内部通信总线210。同时，服务器200还可以包括I/O组件260。
内部通信总线210可以连接不同的系统组件，包括存储器230和处理器220。
I/O组件260支持服务器200和其他组件(例如，目标设备130)之间的输入/输出。
存储器230可以包括数据存储装置。所述数据存储装置可以是非暂时性存储介质，也可以是暂时性存储介质。比如，所述数据存储装置可以包括磁盘232、只读存储器(ROM)234或随机存取存储器(RAM)236中的一种或多种。存储器230还包括存储在所述数据存储装置中的至少一个指令集。所述指令是计算机程序代码，所述计算机程序代码可以包括执行本说明书提供的将生物特征同虚拟资源关联的方法的程序、例程、对象、组件、数据结构、过程、模块等等。
通信端口250用于服务器200同外界的数据通讯。比如，服务器200可以通过通信端口250连接网络120，进而接收第一对象110和第二对象160的关联请求。
至少一个处理器220同至少一个存储器230通过内部通信总线210进行通讯。至少一个处理器220用以执行上述至少一个指令集，当系统100运行时，所述至少一个处理器220从所述至少一个存储器230读取并执行所述至少一个指令集，实施本说明书提供的将生物特征同虚拟资源关联的方法。处理器220可以执行将生物特征同虚拟资源关联的方法包含的所有步骤。处理器220可以是一个或多个处理器的形式，在一些实施例 中，处理器220可以包括一个或多个硬件处理器，例如微控制器、微处理器、精简指令集计算机(RISC)、专用集成电路(ASIC)、特定于应用的指令集处理器(ASIP)、中央处理单元(CPU)、图形处理单元(GPU)、物理处理单元(PPU)、微控制器单元、数字信号处理器(DSP)、现场可编程门阵列(FPGA)、高级RISC机器(ARM)、可编程逻辑器件(PLD)，能够执行一个或多个功能的任何电路或处理器等，或其任何组合。仅仅为了说明问题，在本说明书中服务器200中仅描述了一个处理器220。然而，应当注意，本说明书中服务器200还可以包括多个处理器，因此，本说明书中披露的操作和/或方法步骤可以如本说明书所述的由一个处理器执行，也可以由多个处理器联合执行。例如，如果在本说明书中服务器200的处理器220执行步骤A和步骤B，则应该理解，步骤A和步骤B也可以由两个不同处理器220联合或分开执行(例如，第一处理器执行步骤A，第二处理器执行步骤B，或者第一和第二处理器共同执行步骤A和B)。
图3示出了根据本说明书实施例提供的一种将生物特征同虚拟资源关联的方法流程图。如前所述，服务器200可以执行本说明书提供的将生物特征同虚拟资源关联的方法。具体地，服务器200中的处理器220可以执行本说明书提供的将生物特征同虚拟资源关联的方法。所述方法包括S100～S500。
S100：服务器200接收请求设备140发送的将第一对象110同第二对象160相关联的关联请求，其中，第一对象110同目标虚拟资源170相关联。
如前所述，请求设备140可以与服务器200进行通讯，比如，请求设备140可以是IOT人脸识别支付设备140-1，也可以是银行智能柜台140-2，等等。为了方便描述，下面的介绍将以请求设备140是IOT人脸识别支付设备140-1为例进行描述。
具体地，第一对象110可以是具有支付账号，同时也是具有支付能力的人，所述支付账号可以是支付宝 TM账号、微信钱包 TM账号、百度钱包 TM账号，等等。第一对象110通过所述支付账号同目标虚拟资源170相关联。第二对象160可以是不具备支付账号或者不具备支付能力的人，比如，老人或未成年人，配偶或其他密友等等。当然，第二对象160也可以是具有支付账号或者有支付能力的人。第二对象160可以通过附近超市的IOT人脸识别支付设备140-1发起一个关联请求，所述关联请求中包括第一对象110的身份信息。所述第一对象110的身份信息可以是第一对象110的姓名、身份证号、手机号、支付账号等中的一种或多种。服务器200接收到IOT人脸识别支付设备140-1发送的所述关联请求后，根据所述关联请求中第一对象110的身份信息从数据库150或者服务器200中确定与第一对象110关联的目标虚拟资源170。在一些实施例中，所述关联请求可以包括请求设备140的设备标识，即IOT人脸识别支付设备140-1的设备标识。
S300：服务器200通过目标设备130确认第一对象110同意所述关联请求，其中，目标设备130同第一对象110相关联。
如前所述，目标设备130同第一对象110的身份关联。比如，目标设备130可以 是第一对象110的智能手机、平板电脑、笔记本电脑等等。目标设备130上安装有与服务器200对应的目标APP。第一对象110在目标设备130的所述目标APP上登录自己的支付账号。所述支付账号与目标虚拟资源170相关联。目标设备130就是第一对象110与服务器200之间传递通讯的媒介。
出于安全方面的考虑，只有在第一对象110确认同意所述关联请求的情况下，服务器200才会建立第二对象160同目标虚拟资源170之间的关联。然而，只有第一对象110在确认第二对象160的身份真实的情况下，才会同意所述关联请求。
在一些实施例中，服务器200通过请求设备140采集第二对象160的生物特征并发送给第一对象110进行验证，以帮助第一对象110确定第二对象160的身份。
图4示出了根据本说明书实施例提供的一种实现步骤S300，即确认同意所述关联请求的流程图。在一些实施例中，为了实现步骤S300，即服务器200通过目标设备130确认第一对象110同意所述关联请求，服务器200被用于执行图4示出的步骤，包括：S310～S350。
S310：接收请求设备140发送的第二对象160的生物特征。
具体地，以请求设备140为IOT人脸识别支付设备140-1为例进行说明。IOT人脸识别支付设备140-1具有生物特征采集模块，例如，IOT人脸识别支付设备140-1具有人脸采集摄像头。IOT人脸识别支付设备140-1可以采集第二对象160的面部图像。当然，IOT人脸识别支付设备140-1也可以配备其他生物特征采集模块，例如IOT人脸识别支付设备140-1可以配备指纹采集模块，掌纹采集模块、声音采集模块，虹膜采集模块，巩膜采集模块、骨骼投影采集模块等等。
在步骤S310中，IOT人脸识别支付设备140-1将采集到的第二对象140的生物特征通过网络120发送给服务器200，并且服务器200成功接收。
S330：向目标设备130发送对所述第二对象160的生物特征的验证请求以及所述第二对象160的生物特征。
出于安全方面的考虑，第一对象110要对第二对象160的身份进行验证，只有在第二对象160的身份通过验证的情况下，第一对象110才能同意建立第二对象160与目标虚拟资源170的关联。因此，服务器200在接收到IOT人脸识别支付设备140-1发送的第二对象160的生物特征后，需将所述第二对象160的生物特征发送给第一对象110进行身份验证。因而，服务器200可以向目标设备130发送所述第二对象160的生物特征以及对所述第二对象160的生物特征的验证请求。
接下来，服务器200接收目标设备130发送的对所述第二对象160的生物特征的验证结果。
举例来说，服务器200在接收到IOT人脸识别支付设备140-1发送的第二对象160 的生物特征后，服务器200将对所述第二对象160的生物特征的验证请求发送给与第一对象110关联的目标设备130。比如，所述验证请求可以是第一对象110是否同意对第二对象160进行身份验证的请求。所述验证请求可以通过短信方式发送给第一对象110，也可以通过目标设备130上的目标APP或者其他方式发送给第一对象110，本说明书不对发送方式做特别限制。
当第一对象110通过目标设备130发送给服务器200表示同意对第二对象160进行身份验证时，服务器200将所述第二对象160的生物特征发送给目标设备130进行身份验证。以面部图像验证为例进行说明，具体可以采用配合式和静默式进行验证。配合式为第二对象160执行指定的脸部动作，例如眨眼、张嘴、摇头、抬头等，通过次序和次数增加随机性；静默式验证无需第二对象160进行繁琐的脸部动作，只需实时拍摄一张的照片或是一段人脸视频，即可进行真人活体校验。这种面部图像验证方式对通过显示器播放的人脸照片和视频能进行严格校验识别，可以防止照片和视频攻击通过验证。当然，当第一对象110通过目标设备130发送给服务器200表示不同意对第二对象160进行身份验证时，所述关联请求停止，第二对象160可以重新发起关联请求。
验证结束后，第一对象110通过目标设备130向服务器200发送对第二对象160的验证结果。当第一对象110确认所述第二对象160的生物特征通过验证时，服务器200向目标设备130发送针对所述关联请求的确认请求，所述针对所述关联请求的确认请求可以是第一对象110是否确认同意建立关联的请求。当然，当第一对象110确认所述第二对象160的生物特征没有通过验证时，所述关联请求停止，第二对象160可以重新发起关联请求。
S350：接收目标设备130发送的同意所述关联请求的确认信息。
在服务器200向目标设备130发送针对所述关联请求的确认请求后，如果第一对象110同意所述关联请求，第一对象110可以操作目标设备130，向服务器200发送同意所述关联请求的确认信息；服务器接收目标设备130发送的同意所述关联请求的确认信息并执行步骤S500。当所述第二对象160的生物特征通过验证时，服务器200可以向目标设备130发送针对所述关联请求的确认请求。当第一对象110确认不同意所述关联请求时，服务器200停止执行所述关联请求，第二对象160可以重新发起关联请求。
在上述方案中，服务器200通过请求设备140采集第二对象160的生物特征，通过目标设备130确认第二对象160的生物特征来完成对第二对象160的生物特征的验证。在一些实施例中，服务器200还可以通过请求设备140采集第二对象160的生物特征，然后通过目标设备130采集第二对象160的身份信息，通过将所述第二对象160的生物特征和所述第二对象160的身份信息发送给认证系统进行匹配分析，来帮助第一对象110确定第二对象160的身份。
图5示出了根据本说明书实施例提供的另一种实现步骤S300，即确认同意所述关 联请求的流程图。在一些实施例中，为了实现步骤S300，即服务器200通过目标设备130确认第一对象110同意所述关联请求，服务器200被用于执行图5示出的步骤，包括：S410～S470。
S410：接收请求设备140发送的第二对象160的生物特征。
如前所述，以请求设备140为IOT人脸识别支付设备140-1为例进行说明。在步骤S410中，IOT人脸识别支付设备140-1将采集到的第二对象160的生物特征通过网络120发送给服务器200，并且服务器200成功接收。
S430：接收目标设备130发送的第二对象160的身份信息。
第一对象110通过目标设备130向服务器200发送第二对象160的身份信息。所述第二对象160的身份信息包括但不限于第二对象160的身份证号、手机号信息等等不同于请求设备140采集的生物特征，但是可以确认所述第二对象160身份的信息。
S450：将所述第二对象160的生物特征与所述第二对象160的身份信息进行匹配。
在步骤S450中，服务器200将来自IOT人脸识别支付设备140-1的所述第二对象160的生物特征与来自目标设备130的所述第二对象160的身份信息进行匹配，帮助第一对象110确认第二对象160的身份。
在一些实施例中，为了实现步骤S450，即将所述第二对象160的生物特征与所述第二对象160的身份信息进行匹配，服务器200可以进一步执行以下步骤，包括：S452～S454。
S452：服务器200将所述第二对象160的生物特征同所述第二对象160的身份信息发送给认证系统进行匹配分析。具体地，服务器200在接收到IOT人脸识别支付设备140-1发送的第二对象160的生物特征和目标设备130发送的第二对象160的身份信息后，将二者发送给存储有第二对象160生物特征和身份信息的认证系统进行匹配分析，例如，公安系统。服务器200经过匹配分析计算，得到所述第二对象160的生物特征和所述第二对象160的身份信息之间的匹配结果。
S454：服务器200将所述匹配结果发送给目标设备130。当所述第二对象160的生物特征和所述第二对象160的身份信息相匹配时，服务器200向目标设备130发送针对所述关联请求的确认请求。所述针对所述关联请求的确认请求可以是第一对象110是否确认同意建立关联的请求。当然，当所述第二对象160的生物特征和所述第二对象160的身份信息不匹配时，服务器200停止执行所述关联请求，第二对象160可以重新发起关联请求。
S470：接收目标设备130发送的同意所述关联请求的确认信息。
具体地，在服务器200向目标设备130发送针对所述关联请求的确认请求后，第 一对象110通过目标设备130向服务器200发送确认结果信息。服务器200接收所述确认结果信息。当第一对象110确认同意所述关联请求时，服务器200执行步骤S500；当第一对象110确认不同意所述关联请求时，服务器200停止执行所述关联请求，第二对象160可以重新发起关联请求。
S500：服务器200建立第二对象160的生物特征同目标虚拟资源170的关联。
在确认了第二对象160的身份以及收到来自目标设备130关于关联请求的确认之后，出于安全方面的考虑，服务器200在建立第二对象160的生物特征同目标虚拟资源170的关联之前，还需要验证第一对象110的身份，以确保是本人操作。
图6示出了根据本说明书实施例提供的一种建立所述关联的流程图。在一些实施例中，为了实现步骤S500，即服务器200建立第二对象160的生物特征同目标虚拟资源170的关联，服务器200被用于执行图6示出的步骤，包括S510～S550。
S510：向目标设备130发送针对第一对象110的身份验证信息。所述身份验证信息可以包括验证码验证和生物特征验证中的至少一种。比如，服务器200可以向目标设备130发送一条短信验证码。再比如，服务器200可以向目标设备130发送一个指纹验证请求、掌纹验证请求、声音验证请求或面部识别验证请求，等等。
S530：接收目标设备130发送的身份验证结果。当服务器200向目标设备130发送的是短信验证码时，第一对象110通过登录目标APP将所述验证码发送给服务器200。当服务器200向目标设备130发送的是指纹验证请求、掌纹验证请求、声音验证请求或面部识别验证请求时，第一对象110通过目标设备130采集自身的指纹数据、掌纹数据、声音数据或面部图像数据，并发送给服务器200。
S550：当第一对象110的身份验证结果为通过时，建立第二对象160的生物特征同目标虚拟资源170的关联。服务器200根据目标设备130发送的数据与存储在数据库150中或服务器200中的第一对象110的数据进行对比，如果匹配，则证明第一对象110通过了身份验证，则服务器200建立第二对象160的生物特征同目标虚拟资源170的关联。如果第一对象110没有通过身份验证，则服务器200停止执行所述关联请求，第二对象160可以重新发起关联请求。
在步骤S550中，在建立所述关联之前，第一对象110可以对所述关联的适用范围作出一些规定，以满足不同用户的使用需求。比如服务器200可以向目标设备130发送关联选择信息；然后，接收目标设备130发送的对所述关联选择信息的关联选择结果；基于所述关联选择结果建立所述第二对象160的生物特征同目标虚拟资源170的关联。
所述关联选择信息包括以下选择信息中的至少一种：从目标虚拟资源170中选择至少一个同所述第二对象160的生物特征建立关联；所述关联的使用场景的选择；以及关联限定额度的选择。
如前所述，目标虚拟资源170可以包括多个子目标虚拟资源，例如，子目标虚拟资源170-1、子目标虚拟资源170-2，等等。例如，子目标虚拟资源170-1是中国银行银联卡账户，子目标虚拟资源170-2是中国工商银行银联卡账户，子目标虚拟资源170-3是余额宝账户。在一些实施例中，所述关联选择信息可以包括：第一对象110要从目标虚拟资源170的多个子目标虚拟资源中选择至少一个同所述第二对象160的生物特征建立关联。
在一些实施例中，所述关联选择信息还可以包括：第一对象110要选择所述关联适用的使用场景。例如，某品牌超市支付场景、某品牌饭店支付场景、某商场支付场景等等。在第一对象110选定的使用场景中，所述第二对象160的生物特征同目标虚拟资源170的关联成立，在第一对象110未选定的使用场景中，所述第二对象160的生物特征同目标虚拟资源170的关联不成立。
在一些实施例中，所述关联选择信息还可以包括：选择与所述第二对象160的生物特征关联的子目标虚拟资源的限定额度。例如：每日限定支付额度，单次支付限定额度，等等。当然，所述关联选择信息还可以包括其他信息，比如，关联地点的选择，关联时间的选择，等等。
第一对象110通过目标设备130对服务器200发送对所述关联选择信息做出的选择，并生成所述关联选择结果，所述关联选择结果通过目标设备130发送至服务器200。
服务器200在接收到目标设备130发送的所述关联选择结果后，基于所述关联选择结果建立所述第二对象160的生物特征同目标虚拟资源170的关联。
通过本说明书提供的将生物特征同虚拟资源关联的方法建立的第二对象160的生物特征同目标虚拟资源170的关联可以适用于不同的支付场景。所述第二对象160的生物特征同目标虚拟资源170的关联包括目标虚拟资源170向可支付设备进行转移的许可证。其中，所述可支付设备可以是具有生物特征识别功能的支付设备，例如超市中的IOT人脸支付设备，也可以是POS机，等等。所述许可证是指相应功能应用的授权许可。在一些实施例中，所述第二对象160的生物特征同目标虚拟资源170的关联包括目标虚拟资源170向请求设备140转移的许可证，也就是说，所述第二对象160的生物特征同目标虚拟资源170的关联允许将目标虚拟资源170向请求设备140支付。在一些实施例中，所述第二对象160的生物特征同目标虚拟资源170的关联包括目标虚拟资源170向与请求设备140关联的第三对象190转移的许可证，也就是说，所述第二对象160的生物特征同目标虚拟资源170的关联允许将目标虚拟资源170向和请求设备140有关联的第三对象190支付。当然，在一些实施例中，所述第二对象160的生物特征同目标虚拟资源170的关联包括目标虚拟资源170向所有可支付设备转移的许可证，也就是说，所述第二对象160的生物特征同目标虚拟资源170的关联允许将目标虚拟资源170向所有可支付设备支付。
图7示出了一种关联关系示意图。第二对象160在图7中所示的IOT人脸识别支付设备140-1a上发起了关联请求，并成功建立第二对象160的生物特征与目标虚拟资源170的关联。IOT人脸识别支付设备140-1a同第三对象190身份关联。第三对象190又同时关联多个IOT人脸识别支付设备，例如，IOT人脸识别支付设备140-1b，IOT人脸识别支付设备140-1c，等等。在一些实施例中，所述关联可以仅在发起关联请求的IOT人脸识别支付设备140-1a上成立。例如，第二对象160在IOT人脸识别支付设备140-1a上进行支付时，第二对象160的生物特征与目标虚拟资源170的关联成立，IOT人脸识别支付设备140-1a可以通过采集第二对象160的生物特征确认所述关联关系，从而从目标虚拟资源170中完成支付。当第二对象160在与第三对象190关联的其他设备上支付时，比如，在IOT人脸识别支付设备140-1b上支付时，所述关联不成立，IOT人脸识别支付设备140-1b无法从目标虚拟资源170扣款。
在另一些实施例中，所述关联可以在与请求设备IOT人脸识别支付设备140-1a有预设关联关系的第三对象190关联的所有设备上成立。例如，第二对象160在IOT人脸识别支付设备140-1a上发起了关联请求，并成功建立第二对象160的生物特征与目标虚拟资源170的关联。第二对象160在IOT人脸识别支付设备140-1b或IOT人脸识别支付设备140-1c上进行支付时，第二对象160的生物特征与目标虚拟资源170的关联成立，IOT人脸识别支付设备140-1b或IOT人脸识别支付设备140-1c可以通过采集第二对象160的生物特征确认所述关联关系，从而从目标虚拟资源170中完成支付。当第二对象160在其他与第三对象190没有关联关系的设备上支付时，所述关联不成立，所述其他设备无法从目标虚拟资源170扣款。
当然，所述第二对象160的生物特征同目标虚拟资源170的关联可以适用于所有支付场景，即所述关联在所有的可支付IOT人脸识别支付设备140-1设备上均成立。
当然，第一对象110可以和一个第二对象160建立关联关系，也可以和多个第二对象160建立关联关系。同时，目标虚拟资源170可以和一个第二对象160建立关联关系，也可以和多个第二对象160建立关联关系。例如，第一对象110可以同时和父母、配偶、子女建立关联关系。当然，第二对象160也可以和一个第一对象110建立关联关系，或者和多个第一对象110建立关联关系。同时，第二对象160可以和一个目标虚拟资源170建立关联关系，也可以和多个目标虚拟资源170建立关联关系。比如，老人可以同时和大儿子、小儿子以及女儿建立关联关系。
综上可知，本说明书提供的将生物特征同虚拟资源关联的方法、系统100和存储介质，可以通过请求设备140(第三方设备)将第二对象160的生物特征同与第一对象110相关联的目标虚拟资源170之间建立关联，而不需要第一对象110和第二对象160面对面，也不需要第二对象160先申请账号，所述关联可以仅适用于所述请求设备140，也可以适用于与所述请求设备140有预设关联的第三对象190，也可以适用于所有场景。所述方法和系统100为那些不熟悉互联网、没有账号、又无法及时面对面申请关联的用 户提供了极大的便利。
本说明书另一方面提供一种非暂时性存储介质，存储有至少一组用来将生物特征同虚拟资源建立关联的可执行指令，当所述可执行指令被处理器执行时，所述可执行指令指导所述处理器实施本说明书所述的将生物特征同虚拟资源建立关联的方法的步骤。在一些可能的实施方式中，本说明书的各个方面还可以实现为一种程序产品的形式，其包括程序代码。当所述程序产品在目标设备130上运行时，所述程序代码用于使目标设备130执行本说明书描述的推送信息的步骤。用于实现上述方法的程序产品可以采用便携式紧凑盘只读存储器(CD-ROM)并包括程序代码，并可以在目标设备130，例如个人电脑上运行。然而，本说明书的程序产品不限于此，在本说明书中，可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统(例如处理器220)使用或者与其结合使用。所述程序产品可以采用一个或多个可读介质的任意组合。可读介质可以是可读信号介质或者可读存储介质。可读存储介质例如可以为但不限于电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。可读存储介质的更具体的例子包括：具有一个或多个导线的电连接、便携式盘、硬盘、随机存取存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。所述计算机可读存储介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了可读程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。可读存储介质还可以是可读存储介质以外的任何可读介质，该可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。可读存储介质上包含的程序代码可以用任何适当的介质传输，包括但不限于无线、有线、光缆、RF等等，或者上述的任意合适的组合。可以以一种或多种程序设计语言的任意组合来编写用于执行本说明书操作的程序代码，所述程序设计语言包括面向对象的程序设计语言—诸如Java、C++等，还包括常规的过程式程序设计语言—诸如“C”语言或类似的程序设计语言。程序代码可以完全地在目标设备130上执行、部分地在目标设备130上执行、作为一个独立的软件包执行、部分在目标设备130上部分在远程计算设备上执行、或者完全在远程计算设备或服务器(服务器200)上执行。在涉及远程计算设备的情形中，远程计算设备可以通过网络120连接到目标设备130，或者，可以连接到外部计算设备。
上述对本说明书特定实施例进行了描述。其他实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者是可能有利的。
综上所述，在阅读本详细公开内容之后，本领域技术人员可以明白，前述详细公 开内容可以仅以示例的方式呈现，并且可以不是限制性的。尽管这里没有明确说明，本领域技术人员可以理解本说明书意图囊括对实施例的各种合理改变，改进和修改。这些改变，改进和修改旨在由本说明书提出，并且在本说明书的示例性实施例的精神和范围内。
此外，本说明书中的某些术语已被用于描述本说明书的实施例。例如，“一个实施例”，“实施例”和/或“一些实施例”意味着结合该实施例描述的特定特征，结构或特性可以包括在本说明书的至少一个实施例中。因此，可以强调并且应当理解，在本说明书的各个部分中对“实施例”或“一个实施例”或“替代实施例”的两个或更多个引用不一定都指代相同的实施例。此外，特定特征，结构或特性可以在本说明书的一个或多个实施例中适当地组合。
应当理解，在本说明书的实施例的前述描述中，为了帮助理解一个特征，出于简化本说明书的目的，本说明书将各种特征组合在单个实施例、附图或其描述中。然而，这并不是说这些特征的组合是必须的，本领域技术人员在阅读本说明书的时候完全有可能将其中一部分特征提取出来作为单独的实施例来理解。也就是说，本说明书中的实施例也可以理解为多个次级实施例的整合。而每个次级实施例的内容在于少于单个前述公开实施例的所有特征的时候也是成立的。
本说明书引用的每个专利，专利申请，专利申请的出版物和其他材料，例如文章，书籍，说明书，出版物，文件，物品等，可以通过引用结合于此。用于所有目的的全部内容，除了与其相关的任何起诉文件历史，可能与本说明书不一致或相冲突的任何相同的，或者任何可能对权利要求的最宽范围具有限制性影响的任何相同的起诉文件历史。现在或以后与本说明书相关联。举例来说，如果在与任何所包含的材料相关联的术语的描述、定义和/或使用与本说明书相关的术语、描述、定义和/或之间存在任何不一致或冲突时，使用本说明书中的术语为准。
最后，应理解，本说明书公开的申请的实施方案是对本说明书的实施方案的原理的说明。其他修改后的实施例也在本说明书的范围内。因此，本说明书披露的实施例仅仅作为示例而非限制。本领域技术人员可以根据本说明书中的实施例采取替代配置来实现本说明书中的申请。因此，本说明书的实施例不限于申请中被精确地描述过的实施例。

Claims (13)

  1. 一种将生物特征同虚拟资源关联的方法，包括：
    服务器接收请求设备发送的将第一对象同第二对象相关联的关联请求，其中，所述第一对象同目标虚拟资源相关联；
    所述服务器通过目标设备确认所述第一对象同意所述关联请求，其中，所述目标设备同所述第一对象相关联；
    所述服务器建立所述第二对象的生物特征同所述目标虚拟资源的关联。
  2. 如权利要求1所述的方法，其中，所述服务器通过所述目标设备确认所述第一对象同意所述关联请求包括：
    接收所述请求设备发送的所述第二对象的生物特征；
    向所述目标设备发送所述第二对象的生物特征以及对所述第二对象的生物特征的验证请求；
    接收所述目标设备发送的同意所述关联请求的确认信息。
  3. 如权利要求1所述的方法，其中，所述服务器通过所述目标设备确认所述第一对象同意所述关联请求包括：
    接收所述请求设备发送的所述第二对象的生物特征；
    接收所述目标设备发送的所述第二对象的身份信息；
    将所述第二对象的生物特征与所述第二对象的身份信息进行匹配；
    接收所述目标设备发送的同意所述关联请求的确认信息。
  4. 如权利要求3所述的方法，其中，所述将所述第二对象的生物特征与所述第二对象的身份信息进行匹配包括：
    将所述第二对象的生物特征同所述第二对象的身份信息发送给认证系统进行匹配分析；
    当所述第二对象的生物特征同所述第二对象的身份信息相匹配时，向所述目标设备发送匹配结果，以及针对所述关联请求的确认请求。
  5. 如权利要求1所述的方法，其中，所述关联请求还包括所述请求设备的设备标识，其中，所述请求设备同所述服务器进行通讯。
  6. 如权利要求5所述的方法，其中，所述第二对象的生物特征同所述目标虚拟资源的关联包括所述目标虚拟资源向所述请求设备或第三对象转移的许可证，其中，所述请求设备与所述第三对象关联。
  7. 如权利要求1所述的方法，其中，所述服务器建立所述第二对象的生物特征同所述目标虚拟资源的关联还包括：
    向所述目标设备发送针所述第一对象的身份验证信息；
    接收所述目标设备发送的身份验证结果；
    当所述身份验证结果为通过时，建立所述第二对象的生物特征同所述目标虚拟资源的关联。
  8. 如权利要求7所述的方法，其中，所述身份验证信息包括验证码验证和生物特征验证中的至少一种。
  9. 如权利要求7所述的方法，其中，所述建立所述第二对象的生物特征同所述目标虚拟资源的关联包括：
    向所述目标设备发送关联选择信息；
    接收对所述关联选择信息的关联选择结果；
    建立所述第二对象的生物特征同所述目标虚拟资源的关联。
  10. 如权利要求9所述的方法，其中，所述关联选择信息包括至少一种：
    从所述目标虚拟资源中选择至少一个同所述第二对象的生物特征建立关联；
    所述关联的使用场景的选择；以及
    关联限定额度的选择。
  11. 如权利要求1所述的方法，其中，所述生物特征包括面部图像、虹膜、巩膜、指纹、掌纹、声纹、骨骼投影中的一种或多种。
  12. 一种将生物特征同虚拟资源建立关联的系统，包括：
    至少一个存储器，所述至少一个存储器包括至少一个指令集用于将生物特征同虚拟资源建立关联；以及
    至少一个处理器，同所述至少一个存储器进行通讯，
    其中当所述系统运行时，所述至少一个处理器读取所述至少一个指令集并实施权利要求1-11中任一项所述的将生物特征同虚拟资源建立关联的方法。
  13. 一种非暂时性存储介质，存储有至少一个指令集用于将生物特征同虚拟资源建立关联，当所述至少一个指令集被处理器执行时，所述处理器根据所述至少一个指令集实施权利要求1-11中任一项所述的将生物特征同虚拟资源建立关联的方法。
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CN109727015A (zh) * 2018-12-12 2019-05-07 浙江口碑网络技术有限公司 支付方法及装置
CN111355722A (zh) * 2020-02-25 2020-06-30 支付宝(杭州)信息技术有限公司 一种将生物特征同虚拟资源关联的方法、系统及非暂时性存储介质

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WO2025256238A1 (zh) * 2024-06-14 2025-12-18 腾讯科技（深圳）有限公司 虚拟资源核验方法、装置、设备、介质和计算机程序产品

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