WO2022027939A1

WO2022027939A1 - User binding relationship-based data processing method and system thereof

Info

Publication number: WO2022027939A1
Application number: PCT/CN2021/073792
Authority: WO
Inventors: 才华
Original assignee: 中国银联股份有限公司
Priority date: 2020-08-06
Filing date: 2021-01-26
Publication date: 2022-02-10
Also published as: TWI826769B; CN112435031A; JP2023504459A; JP7427089B2; TW202207063A

Abstract

The present invention relates to a user binding relationship-based data processing method and a system thereof. The method comprises: associating a primary user identifier of a primary user with biometric information of an affiliated user and storing the user association of the two; enabling pre-authorization transaction authority for the affiliated user; acquiring biometric information of a transaction occurrence object; acquiring transaction related data; and performing a data processing step, determining the user association, and determining whether the biometric information of the transaction occurrence object has a corresponding primary user identifier in the user association, and when determined that a corresponding primary user identifier exists, performing a pre-authorization completion transaction according to the transaction related data and the primary user identifier. According to the present invention, a substitute payment function of a primary user for an affiliated user can be implemented on the basis of a user binding relationship.

Description

Data processing method and system based on user binding relationship

technical field

The invention relates to computer technology, in particular to a data processing method and data processing system based on a user binding relationship.

Background technique

At present, the commonly used method in bus and subway crossing scenarios is that users obtain a QR code through their own smart terminals, and scan the QR code to enter and exit the station. However, in the prior art, users obtain the QR code through their own smart terminals, and only one person can scan the code to ride the subway, that is, each user needs to show his or her boarding code when entering the subway station, and can only use it after being identified. When entering the station, you need to show your boarding code again when you exit the subway station. After being recognized, you can complete the payment and leave the station. In some special cases, for convenience, users have the need to use their own smart terminals to make payments for multiple companions to enter and leave the station, such as when relatives and friends visit or when the companions (the elderly, children over 130cm, etc.) do not have a payment account.

SUMMARY OF THE INVENTION

In view of the above problems, the present invention aims to provide a data processing method and system based on user binding relationship that can realize payment on behalf of other users (affiliated users) who do not hold mobile terminals.

The data processing method based on the user binding relationship according to one aspect of the present invention is characterized by comprising: a binding step of associating the primary user ID of the primary user and the biometric information of the subsidiary user and storing the user association relationship between the two;

The pre-authorization step is to open the pre-authorized transaction authority for the affiliated user;

The biometric acquisition step is to acquire the biometric information of the transaction object;

the transaction data acquisition step to acquire transaction-related data; and

The data processing step is to judge whether the biometric information has a corresponding primary user ID in the user association relationship, and in the case of judging that there is a corresponding primary user ID, carry out processing according to the transaction-related data and the primary user ID. Pre-authorization completes the transaction.

The data processing method based on the user binding relationship according to one aspect of the present invention is characterized in that it is implemented by a mobile terminal, an industry terminal and a background system, including:

The mobile terminal acquires the biometric information of the affiliated user and the mobile terminal sends the primary user identification of the primary user and the biometric information of the affiliated user to the background system;

The background system associates the primary user identifier with the biometric information of the affiliated user and stores the user association relationship between the two, and the backend system activates the pre-authorized transaction authority for the affiliated user;

The industry terminal obtains the biometric information of the transaction object and sends the transaction-related data to the back-end system; and

The background system determines whether the biometric information of the transaction object has a corresponding primary user ID in the user association relationship, and in the case of determining that there is a corresponding primary user ID, the transaction is performed according to the transaction-related data and the primary user ID. Pre-authorization completes the transaction.

The data processing method based on the user binding relationship according to one aspect of the present invention is characterized in that it includes: an acquiring step of acquiring biometric information of an affiliated user;

The requesting step is to send a binding request to the outside based on the primary user ID of the primary user and the biometric information of the affiliated user, so that the primary user ID and the biometric information of the secondary user are associated to form a user association relationship and make setting permissions for pre-authorized transactions on said Affiliated User; and

The receiving step is to receive from the outside the transaction result information based on pre-authorization, wherein the pre-authorization transaction result information indicates whether the acquired biometric information is judged based on the user association relationship to determine whether there is a corresponding primary user identifier and is determined to exist. In this case, the pre-authorization is performed according to the transaction-related data and the primary user identifier to complete the transaction result.

The data processing method based on the user binding relationship according to one aspect of the present invention is characterized in that, it comprises the following steps:

the data receiving step, receiving the main user identification of the main user and the biometric information of the subsidiary users;

A pre-authorization step, associating the primary user identifier with the biometric information of the affiliated user and storing the user association relationship between the two, and opening the pre-authorized transaction authority for the affiliated user; and

The data processing step is to receive the biometric information of the transaction object and transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and determine whether there is a corresponding main user identifier. Next, pre-authorization is performed based on the transaction-related data and the primary user identifier to complete the transaction.

Optionally, in the pre-authorization step, additional conditions for the pre-authorization transaction authority are further set, and the additional conditions include one or more of the following: a pre-authorization period, a pre-authorization amount, and a pre-authorization scenario.

Optionally, the primary user account is any one of a mobile terminal identifier, an application identifier, and a payment account.

The data processing method based on the user binding relationship according to one aspect of the present invention is characterized in that it is implemented by a mobile terminal, an industry terminal, an industry background and a background system, including:

The mobile terminal acquires the biometric information of the affiliated user and the mobile terminal sends the primary user identification and the biometric information of the affiliated user to the background system;

The industry terminal obtains the biometric information of the transaction object and sends it to the backend system; and

The background system judges whether the biometric information of the transaction object has a corresponding main user identifier in the user association relationship and sends the judgment result to the industry background;

In the case that the judgment result is that there is a corresponding primary user identifier in the user association, the industry background records transaction-related data and issues action instructions, and sends the transaction-related data to the background system; and

The background system pre-authorizes the transaction according to the transaction-related data and the primary user ID.

The data processing method based on user binding relationship in one aspect of the present invention is characterized in that:

The data receiving step, receiving the primary user identification and the biometric information of the affiliated users;

The data processing step is to receive the biometric information of the transaction object and transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and determine whether there is a corresponding main user identifier. Next, an action instruction is issued, and pre-authorization is performed based on the transaction-related data and the primary user ID to complete the transaction.

The data processing system based on the user binding relationship according to one aspect of the present invention is characterized in that it includes: a binding module for associating the primary user identifier with the biometric information of the subsidiary user and storing the user association relationship between the two;

A pre-authorization module, used to open the pre-authorized transaction authority for the affiliated user;

A biometric acquisition module for acquiring biometric information and transaction-related data of the transaction object; and

The data processing module is used to judge whether the biometric information of the transaction object has a corresponding main user identifier based on the user association relationship, and in the case of judging that there is a corresponding main user identifier, according to the transaction-related data and the relevant data. The primary user ID is pre-authorized to complete the transaction.

A mobile terminal according to an aspect of the present invention is characterized in that, it includes:

Obtaining module to obtain the biometric information of affiliated users;

a requesting module that sends a binding request to an external system based on the primary user ID of the primary user and the biometric information of the affiliated user to associate the primary user ID with the biometric information of the secondary user and form a user association relationship; and

The result receiving module receives pre-authorized transaction result information from the outside, wherein the pre-authorized transaction result information indicates that the acquired biometric information is judged based on the user association relationship to determine whether there is a corresponding primary user identifier and is determined to exist. In this case, the pre-authorization is performed according to the transaction-related data and the primary user identifier to complete the transaction result.

The background system of an aspect of the present invention is characterized in that, it is characterized in that, comprises:

The data receiving module is used to receive the primary user identification and the biometric information of the affiliated users;

a database for storing the primary user identifier and the biometric information of the affiliated user in an associated manner and storing the user association relationship between the two;

a setting module for enabling pre-authorized transaction authority for the affiliated user; and

The data processing module is used to receive the biometric information of the transaction object and the transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association stored in the database, and then determine whether there is a corresponding main user identifier. In the case of the primary user ID, pre-authorization is performed based on the transaction-related data and the primary user ID to complete the transaction.

The background system of one aspect of the present invention is characterized in that, comprising:

The data processing module is used to receive the biometric information of the transaction object, determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association stored in the database, and determine whether there is a corresponding main user identifier. In this case, pre-authorization is performed based on the received transaction-related data and the primary user identification to complete the transaction.

As mentioned above, according to the data processing method and data processing system based on the user binding relationship of the present invention, the user binding relationship between the main user and the subordinate user can be used by the main user to perform payment on behalf of the subordinate user, and the subordinate user does not need to have payment. For devices such as accounts or mobile terminals, the primary user's payment function can be realized only by means of biometric information (eg, face, fingerprint, iris, etc.). Moreover, the data processing method and data processing system based on the user binding relationship of the present invention are widely used and highly acceptable. For example, there is no need for the accompanying person to have a payment account, and the accompanying person does not need to operate the intelligent terminal. groups of children.

Moreover, according to the data processing method and data processing system based on the user binding relationship of the present invention, the implementation method is relatively simple, and it is not necessary to enter various private information of the main account or the subsidiary account or use the identity information of the public security system when binding ( Such as the names of colleagues, ID numbers, etc.), it is only necessary to simply bind the biometric information of the subsidiary account with the main user's account and enable the pre-authorization transaction function. "Such a combination enables the primary user to pay on behalf of the affiliated user.

Further, according to the data processing method and data processing system based on the user binding relationship of the present invention, the subsidiary user does not need to be accompanied by the main user when generating related consumption, such as taking the subway or entering the venue, and only needs to rely on the biometric feature. Information (for example, face, fingerprint, iris, etc.) can realize the payment function of the main user.

Furthermore, according to the data processing method and data processing system based on the user binding relationship of the present invention, when establishing the user binding relationship, payment password verification is required, and the authorized function can also be set to be valid once, and the user can use it after use. The association relationship was immediately terminated, effectively solving the security risks.

Description of drawings

FIG. 1 is a schematic flowchart showing a data processing method based on a user binding relationship according to an aspect of the present invention.

FIG. 2 is a schematic block diagram of a data processing system based on a user binding relationship according to an aspect of the present invention.

FIG. 3 is a schematic diagram showing a specific flow of the data processing method based on the user binding relationship according to the first embodiment.

FIG. 4 is a block diagram showing the configuration of the data processing system based on the user binding relationship according to the first embodiment.

FIG. 5 is a schematic diagram showing a specific flow of the data processing method based on the user binding relationship according to the second embodiment.

6 is a block diagram showing the configuration of a data processing system based on a user binding relationship according to the second embodiment.

detailed description

Introduced below are some of the various embodiments of the present invention and are intended to provide a basic understanding of the present invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of what is claimed.

For the purposes of brevity and illustration, the principles of the invention are described herein primarily with reference to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of user binding-based data processing methods and data processing systems, and that these same principles can be implemented therein, as well as any Such variations do not depart from the true spirit and scope of this patent application.

Furthermore, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes may be made to these embodiments without departing from the spirit and scope of the present invention. Furthermore, although a feature of the invention is disclosed in connection with only one of several implementations/embodiments, this feature may be combined with other implementations as may be desired and/or advantageous for any given or identifiable function / One or more other features of the embodiments are combined. Therefore, the following description should not be taken in a limiting sense, and the scope of the invention is defined by the appended claims and their equivalents.

Words such as "have" and "include" mean that in addition to having units (modules) and modules that are directly and explicitly stated in the description and claims, the technical solution of the present invention does not exclude any units (modules) and modules that are not directly or explicitly stated. State of other units (modules) and modules of the representation.

First, the outline of the data processing method and data processing system based on the user binding relationship of the present invention will be described.

In the following description, the data processing method and data processing system based on the user binding relationship are mainly described by taking the subway scene as an example. Of course, the present invention is not limited to the subway scene, and can also be applied to various other scenes. , for example, it can be applied to the charging scenarios of buses, ships, maglev, etc., and, for example, the fees for users to enter the venue, the fees for users to use equipment, etc., I will not list them all here, as long as the payment is realized through the user binding relationship. The solutions all belong to the scope of the data processing method and data processing system based on the user binding relationship applied for by the present invention.

First, the technical concept of the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention will be described. One aspect of the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention is to bind the subordinate user and the main user, so that the related transaction data generated by the subordinate user can be stored by the main user. The payment account corresponding to the user is settled.

As shown in Figure 1, the data processing method based on the user binding relationship according to an aspect of the present invention includes the following steps:

Binding step S100: associating the primary user ID with the biometric information of the subsidiary users that need to be bound with the primary user and storing the user association relationship between the two, for example, the biometric information can be a face, a fingerprint, an iris, etc. , in order to simplify the description, the following mainly takes the human face as an example for description;

Pre-authorization step S200: Activate pre-authorization transaction authority for the affiliated user;

Biometric acquisition step S300: acquiring biometric information of a transaction object (for example, an affiliated user who will generate relevant transaction data);

The transaction data acquisition step S400 is to acquire transaction-related data; and

Data processing step S500: Determine whether there is a corresponding primary user identifier in the biometric information of the transaction object based on the user association relationship. The transaction-related data is pre-authorized to complete the transaction.

Wherein, in the pre-authorization step S200, additional conditions for the pre-authorization transaction authority are further set, for example, the additional conditions include: a pre-authorization period, a pre-authorization amount, a pre-authorization scenario, and the like. For example, you can set the pre-authorization to be valid at one time, or set the validity period of the pre-authorization to be one day or one week, etc., or set the maximum amount of the pre-authorization, or set the pre-authorization only in which scenarios are valid

The primary user identifier may be a mobile terminal identifier, an application identifier, or a payment account, etc. Any identifier that can uniquely identify the primary user and can correspond to the primary user account can be used as the primary user identifier. For example, when the primary user identifier is a mobile terminal identifier, in the data processing step, pre-authorization is performed based on the payment account corresponding to the mobile terminal identifier to complete the transaction. When the primary user identifier is an application identifier, in the data processing step, pre-authorization is performed based on the payment account corresponding to the application identifier to complete the transaction. When the primary user identifier is an application identifier, in the data processing step, pre-authorization is performed based on the payment account bound with the application identifier to complete the transaction.

Among them, although the biometric feature acquisition step S300 and the transaction data acquisition step S400 are divided into two steps for description here, as a variation, they can also be implemented in the same step. Therefore, in the present invention, as long as the biometric feature information can be obtained related to the transaction The data is sufficient, and there is no need to distinguish whether it is obtained in the same step.

As shown in FIG. 2, the data processing system 10 based on the user binding relationship according to an aspect of the present invention includes:

The binding module 11 is used for associating the primary user ID of the primary user with the biometric information of the affiliated user and storing the user association relationship between the two;

The pre-authorization module 12 is used to activate the pre-authorization transaction authority for the affiliated user;

a biometric acquisition module 13, used to acquire biometric information of the transaction object;

transaction data acquisition module 14, the user acquires transaction-related data; and

The data processing module 15 is configured to determine whether the biometric information of the transaction object has a corresponding main user identifier based on the user association relationship, and in the case of determining that there is a corresponding main user identifier, according to the transaction-related data and The primary user ID performs pre-authorization to complete the transaction.

Wherein, in the pre-authorization module 12, additional conditions for the pre-authorization transaction authority are further set, and the additional conditions include one or more of the following: a pre-authorization period, a pre-authorization amount, and a pre-authorization scenario.

Wherein, the primary user identifier may be any one of a mobile terminal identifier, an application identifier, a payment account, and the like.

In this way, according to an aspect of the present invention, the data processing method and system based on user binding relationship, by binding the biometric information (such as face, fingerprint, iris, etc.) of the subsidiary user with the main user identification, for Affiliated users are given pre-authorization limits. When the affiliated users generate transaction-related fees, the payment account corresponding to the primary user ID can settle the transaction-related data generated by the affiliated users.

As an application scenario, for example, the data processing method based on the user binding relationship of one aspect of the present invention is applied to the scene of subway entry. By combining pre-authorized transactions and biometric recognition (such as face recognition), it can support affiliated users. (for example, a companion) purchasing subway tickets on behalf of the main user, which realizes the function of the main user using his own smart terminal to pay for the subsidiary users (for example, companions) who do not have a payment account, and the whole process does not require the subsidiary users (for example, companions) to use the smart terminal Participating, you can correctly identify the affiliated users (such as companions) when riding the car, and complete the corresponding pre-authorization to complete the transaction, which can effectively protect the identity of the passengers.

Next, the specific application of the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention in the subway ticket purchase will be described as an example.

first embodiment

The data processing method based on the user binding relationship in the first embodiment mainly consists of the main user's mobile terminal, the subway gate (equivalent to the "industry terminal" in the claims), and the subway background (equivalent to the "industry terminal" in the claims. backend") and backend system implementations.

The data processing method based on the user binding relationship in the first embodiment may roughly include the following process: when the main user initiates purchasing tickets for the affiliated user, the mobile terminal of the main user prompts the main user to enter a payment password to complete account verification, and the main user After the mobile terminal enters the payment password, the account information and payment password are sent to the background system, and the background system verifies the received account information and payment password (this step is used to confirm the identity of the main user, and its function is to: To improve security, of course, this step can also be omitted).

After the verification of the background system is passed, the main user collects the facial biometric information of the affiliated users (such as accompanying persons, ticket purchasers) through his own mobile terminal, and the mobile terminal will obtain the facial biometric information of the affiliated user together with the user of the main user. The identification (such as the ride APP account information) is sent to the background system together, and the background system associates the main user identification with the facial biometric information of the affiliated user and stores the user association relationship between the two, and the user association relationship and facial biometric information. stored in the database;

After recording the user relationship and the facial biometric information of the affiliated user, the backend system opens the pre-authorized transaction for the affiliated user and sets the maximum withholding amount;

When a passenger enters or leaves the station as an auxiliary user of the passenger, the facial recognition device installed in the subway gate (it may be integrated with the subway gate, or a face recognition device may be installed separately), and the facial biometric features of the passenger will be detected. Collect and send the acquired facial biometric information to the background system;

After receiving the facial biometric information identified and acquired by the subway gate, the back-end system confirms whether there is a bound account by comparing the facial biometric information in the database, that is, to find out whether the acquired facial biometric information is in the user association relationship. There is a corresponding associated user, if there is, the transaction information will be recorded for the account of the associated user, and after recording the inbound/outbound site information, the subway gate will be notified through the subway background to open the gate;

The subway gate turns on the gate after receiving the gate opening information. After the affiliated user exits the station through the gate, the background system calculates the interval fee according to the recorded inbound/outbound site information, and at the same time, based on the acquired facial biometric information, the relevant The associated master user account will pre-authorize the transaction to complete the transaction, and the corresponding fee will be deducted.

The specific flow of the data processing method based on the user binding relationship in the first embodiment can be roughly divided into three stages: an application stage, a use stage, and a fee deduction stage. The three stages are described below.

1. Application stage:

Step S1: The main user opens the ride APP on the mobile terminal, and clicks the function of buying tickets for others.

Step S2: The Ride APP prompts the user to enter the payment password to verify the account, the main user enters the payment password on the mobile terminal, and the Ride APP sends the main user's account information and payment password to the background system (that is, the Ride APP of the mobile terminal). background) to verify.

Step S3: the background system verifies the payment password.

Step S4: After the background system passes the verification, the camera of the mobile terminal, that is, the mobile phone, is aimed at the traveler, that is, the person who needs to purchase the ticket, so as to obtain the facial biometric information of the traveler. At this time, the ride APP will recognize the facial biometrics of the traveler. Feature information (of course, the facial biometric information can also be recognized by the background system and the ride APP only realizes the transmission function). The car APP account information is sent to the background system. Among them, although it is called "accompanying personnel" here, in fact, "accompanying personnel" is not required in the subsequent "use stage", but can enter and exit the subway gates alone without the main user's escort, so it is also directly referred to as "accompanying personnel" in the following text. Passengers" or "Affiliated Users".

Step S5: After acquiring the facial biometric information of the subsidiary user, the background system associates the account information of the main user with the facial biometric information of the subsidiary user and stores the user association relationship between the two in the database.

Step S6: After associating the account information of the main user and the facial biometric information of the subsidiary user, the back-end system opens the pre-authorized transaction authority for the subsidiary user and sets the maximum amount of the pre-authorized transaction.

2. Use stage:

Step S7: When the accompanying person enters the station and takes the bus, they face the face recognition device of the subway gate (the face recognition device can be set as a part of the subway gate or can also be set separately).

Step S8: the face recognition device recognizes the face of the passenger, and obtains the facial biometric information, and the face recognition device sends the recognized facial biometrics to the background system.

Step S9: After the background system receives the facial biometric information, by comparing the facial biometric information stored in the database, it is confirmed whether there is account information of the main user corresponding to the facial biometric information in the user association relationship, if not. , then go to step S10, if there is, go to step S11.

Step S10: prompting the user to identify an error.

Step S11: Record the information of the inbound station and notify the subway gate to open the gate through the subway background.

Step S12: The subway turnstile opens the turnstile according to the notification.

Step S13: The affiliated user rides the car.

Step S14: When the affiliated user completes the ride and leaves the station (exiting the gate), he faces the face recognition device of the subway gate.

Step S15: The face recognition device recognizes the face of the affiliated user, obtains the facial biometric information of the user, and uploads it to the background system.

Step S16: After receiving the facial biometric information obtained by identification, the background system identifies the facial biometrics by comparing the facial biometric information in the database, and confirms whether there is a subject corresponding to the facial biometric information in the user association relationship. If the user's account information does not exist, proceed to step S17, otherwise, proceed to step S18.

Step S17: Prompt the user to identify an error.

Step S18: Record outbound site information for the account, and notify the subway gate to open the gate through the subway background.

Step S19: The subway turnstile opens the turnstile according to the notification.

Step S20: The passenger leaves the gate and leaves.

3. Deduction stage:

S21: After the passenger to be taken passes through the subway gate, the background system calculates the interval fee.

S22: Pre-authorize the associated account according to the acquired facial biometric information to complete the transaction, deduct the corresponding fee, and return the remaining fee. If the pre-authorization is set as one-time effective, it will be automatically released after the deduction ends. The binding relationship between the main account and facial biometric information.

S23: After the transaction is completed, the main user is notified by SMS, for example, the user is prompted to pay the fare for others on XX day, XX month, XX time, and a total of XX yuan.

Next, the data processing system based on the user binding relationship according to the first embodiment will be described.

As shown in FIG. 4 , the data processing system based on the user binding relationship according to the first embodiment includes: a mobile terminal 100 , a subway gate 200 , a subway background 300 , and a background system 400 .

The mobile terminal 100 is used to acquire the biometric information of the affiliated user and to transmit the primary user identification and the biometric information of the affiliated user to the backend system 400 , and to receive pre-authorized transaction result information from the backend system 400 .

The background system 400 is used to associate the primary user ID and the biometric information of the affiliated users and store the user association relationship between the two, and to open the pre-authorized transaction authority for the affiliated users. At the time of station/inbound, the background system 400 judges whether the biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and records the transaction object (affiliated) when it is judged that there is a corresponding main user identifier. user) outbound/inbound site information, and after the transaction occurs object (affiliated user) outbound/inbound action, pre-authorization is performed according to the transaction-related data and the primary user ID to complete the transaction.

The subway gate 200 is used to open or close the gate according to the action instruction sent from the background system 400 through the subway background 300, and the subway gate 200 is also configured to obtain the biometric information of the transaction object and the station entry and exit information (corresponding to the information of the site entry and exit). "Transaction-related data" in the claims) and sent to the background system 400 through the subway background 300 .

Wherein, the mobile terminal 100 includes:

Obtaining module 110, obtaining the biometric information of the affiliated user;

a requesting module 120, sending a binding request to the background system 400 based on the primary user identifier and the biometric information of the affiliated user to associate the primary user identifier with the biometric information of the affiliated user; and

The result receiving module 130 receives pre-authorized transaction result information from the background system 400 .

Wherein, the background system 400 includes:

A data receiving module 410, configured to receive the primary user identification and the biometric information of the affiliated users;

a database 420, configured to store the primary user identifier and the biometric information of the affiliated user in an associated manner and store the user association relationship between the two;

A setting module 430, used to activate the pre-authorized transaction authority for the affiliated user; and

The data processing module 440 is used to receive the biometric information of the transaction object and the transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association stored in the database 420. In the case of the corresponding primary user ID, record transaction-related data (for example, record the outbound/inbound site information of the transaction object, that is, the affiliated user’s outbound/inbound site information), and after the transaction object completes the outbound action, according to the transaction-related data and The primary user ID is pre-authorized to complete the transaction.

The data processing module 440 performs the following actions:

Receive the first biometric information of the transaction object (such as the biometric information of the affiliated user at the time of entry) and the first transaction-related data (such as the inbound site information), and determine that the first biometric information of the transaction object is in Whether there is a corresponding main user identification in the user association relationship, in the case of judging that there is a corresponding main user identification, record the first transaction-related data and issue a first action instruction (for example, send to the subway background 300 to make the subway gate. the action instruction to open the machine 200);

Receive the second biometric information of the transaction object (the biometric information of the affiliated user when going outbound) and the second transaction-related data (such as the outbound site information), and determine that the second biometric information of the transaction object is in the place where the transaction occurs. Whether there is a corresponding main user identification in the user association relationship, in the case of judging that there is a corresponding main user identification, record the second transaction-related data and issue a second action instruction (for example, to the subway background 300 to make the subway gates) action instruction to turn on the machine 200); and

Pre-authorization is performed to complete the transaction according to the first transaction-related data and the second transaction-related data (eg, inbound site information and outbound site information) and the primary user identification.

Second Embodiment

The data processing method based on the user binding relationship in the second embodiment mainly consists of the main user's mobile terminal, the subway gate (equivalent to the "industry terminal" in the claims), the subway background (equivalent to the "industry terminal" in the claims) backend") and backend system implementations. The second embodiment differs from the first embodiment in that the recording of inbound/outbound station information is performed by the subway backend rather than by the backend system.

The specific flow of the data processing method based on the user binding relationship of the second embodiment is also roughly divided into three stages: an application stage, a use stage, and a fee deduction stage. The three stages are described below.

1. Application stage:

Step S51: The primary user opens the ride APP on the mobile terminal, and clicks the function of buying tickets for others.

Step S52: The Ride APP prompts the user to enter the payment password to verify the account, the main user enters the payment password on the mobile terminal, and the Ride APP sends the main user's account information and payment password to the background system (ie the Ride APP of the mobile terminal). background) to verify.

Step S53: The background system verifies the payment password.

Step S54: After the background system passes the verification, the camera of the mobile terminal is aimed at the traveler (that is, the person who needs to purchase the ticket) to obtain the facial biometric information of the traveler. At this time, the ride APP will recognize the facial biometrics of the traveler. Feature information (of course, the facial biometric information can also be recognized by the background system and the ride APP only realizes the transmission function). The car APP account information is sent to the background system.

Step S55: After acquiring the facial biometric information of the subsidiary user, the background system associates the account information of the main user with the facial biometric information of the subsidiary user and stores the user association relationship between the two in the database.

Step S56: After associating the account information of the main user and the facial biometric information of the subsidiary user, the back-end system activates the pre-authorized transaction authority for the subsidiary user and sets the maximum amount of the pre-authorized transaction.

2. Use stage:

Step S57 : when the affiliated user enters the station to take the car, face the face recognition device of the subway gate (the face recognition device may be installed as a part of the subway gate or may be installed separately).

Step S58 : the face recognition device recognizes the face of the passenger, and obtains the facial biometric information, and the face recognition device sends the recognized facial biometrics to the background system.

Step S59: After the background system receives the facial biometric information, by comparing the facial biometric information stored in the database, it is confirmed whether there is account information of the main user corresponding to the facial biometric information in the user association relationship, if not. , then go to step S60, if there is, go to step S61.

Step S60: Prompt the user to identify an error.

Step S61: The background system notifies the subway background to record the inbound station information and the subway background notifies the subway gate to open the gate.

Step S62: The subway turnstile opens the turnstile according to the notification.

Step S63: The affiliated user rides the car.

Step S64 : When the affiliated user completes the ride and leaves the station (exiting the gate), he faces the face recognition device of the subway gate.

Step S65: The face recognition device recognizes the face of the affiliated user, obtains the facial biometric information of the user, and uploads it to the background system.

Step S66: After the background system receives the facial biometric information obtained by identification, it identifies the facial biometrics by comparing the facial biometric information in the database, and confirms whether there is a subject corresponding to the facial biometric information in the user association relationship. If the user's account information does not exist, proceed to step S67; otherwise, proceed to step S68.

Step S67: prompting the user to identify an error.

Step S68: The background system notifies the subway background to record the outbound site information for the account, and the subway background notifies the subway gate to open the gate.

Step S69: The subway turnstile opens the turnstile according to the notification.

Step S70: The passenger leaves the gate and leaves.

3. Deduction stage:

S71: After the passenger to be taken passes through the subway gate, the subway system calculates the section fee and sends it to the background system.

S72: Based on the calculated interval fee, the background system pre-authorizes the associated account to complete the transaction, deducts the corresponding fee, and returns the remaining fee. Unbind the master account and facial biometric information.

S73: After the transaction is completed, the main user is notified by SMS, for example, the user is prompted to pay the fare for others within XX time on XX month, XX, and a total of XX yuan.

Next, the data processing system based on the user binding relationship according to the second embodiment will be described.

Fig. 6 is a block diagram showing the configuration of a data processing system based on a user binding relationship according to the second embodiment.

As shown in FIG. 6 , the data processing system based on the user binding relationship of the second embodiment includes: a mobile terminal 500 , a subway gate 700 , a subway background 800 , and a background system 900 .

The mobile terminal 500 is used to acquire the biometric information of the affiliated user and to transmit the primary user identification and the biometric information of the affiliated user to the backend system 900 , and to receive pre-authorized transaction result information from the backend system 900 .

The background system 900 is used to associate the primary user ID with the biometric information of the affiliated user and store the user association relationship between the two, and to open the pre-authorized transaction authority for the affiliated user. At the time of station/inbound, the background system 900 determines whether the biometric information of the transaction object has a corresponding main user ID in the user association relationship, and sends an action to the subway background 800 when it is judged that there is a corresponding main user ID. order, and pre-authorize the primary user ID according to the interval fee from the subway background 800 to complete the transaction.

The subway gate 700 is used to open or close the gate according to the action instruction from the subway background 800 , and the subway gate 700 is also configured to obtain the biometric information of the transaction object and send it to the background system 900 through the subway background 800 .

The subway backstage 800 is used to record the inbound/outbound station information according to the instruction from the backstage system 900 and notify the subway gates 700 to open the gates after completing the recording of the inbound/outbound site information, and the subway backstage 800 is used to open the gates according to the Inbound site information and outbound site information calculate interval charges.

Wherein, the mobile terminal 500 includes:

Obtaining module 510, obtaining the biometric information of the affiliated user;

a requesting module 520, sending a binding request to the background system 900 based on the primary user identifier and the biometric information of the affiliated user to associate the primary user identifier with the biometric information of the affiliated user; and

The result receiving module 530 receives pre-authorized transaction result information from the background system 900 .

Wherein, the background system 900 includes:

a data receiving module 910, configured to receive the primary user identification and the biometric information of the affiliated users;

a database 920, configured to store the primary user identifier and the biometric information of the affiliated user in an associated manner, and store the user association relationship between the two;

a setting module 930, used to activate the pre-authorized transaction authority for the affiliated user; and

The data processing module 940 is used to receive the biometric information of the transaction object, determine whether the biometric information of the transaction object has a corresponding primary user identifier in the user association stored in the database 920, and determine whether there is a corresponding primary user. In the case of the identification, an action instruction is sent to the subway background 800, and the primary user identification is pre-authorized based on the interval fee from the subway background 800 to complete the transaction.

The data processing module 940 performs the following actions:

Receive the first biometric information of the transaction object (for example, the biometric information of the affiliated user at the time of entry), and determine whether the first biometric information of the transaction object has a corresponding primary user ID in the user association relationship , in the case of judging that there is a corresponding primary user identifier, issue a first action instruction (for example, notify the subway background 800 to record the first transaction-related data and open it to make the subway gate 700 open);

Receive the second biometric information of the transaction object, and determine whether the second biometric information of the transaction object has a corresponding primary user identifier in the user association relationship, and in the case of judging that there is a corresponding primary user identifier, Issue a second action instruction (eg, notify the subway backend 800 to record the second transaction-related data and open it so that the subway gate 700 is opened); and

Transaction-related data (eg, first transaction-related data and second transaction-related data, or a difference thereof) are received and pre-authorized to complete the transaction based on the transaction-related data and the primary user identification.

In addition, in the above description, the subway backstage and the backstage system are separately described. As a modification example, the subway backstage and the backstage system may also be constituted by one platform.

The present invention also provides a computer-readable medium on which a computer program is stored, and when the computer program is executed by a processor, implements the above-mentioned data processing method based on a user binding relationship.

The present invention also provides a computer device, including a storage module, a processor, and a computer program stored on the storage module and executable on the processor, when the processor executes the computer program, the above-mentioned user-binding relationship-based data processing method.

The above examples mainly illustrate the data processing method based on the user binding relationship and the data processing system based on the user binding relationship of the present invention. Although only a few of these specific embodiments of the present invention have been described, it will be understood by those of ordinary skill in the art that the present invention may be embodied in many other forms without departing from the spirit and scope thereof. Accordingly, the examples and embodiments shown are to be regarded as illustrative and not restrictive, and various modifications are possible within the present invention without departing from the spirit and scope of the invention as defined by the appended claims. with replacement.

Claims

A data processing method based on a user binding relationship, comprising:

The binding step is to associate the main user ID of the main user with the biometric information of the subsidiary user and store the user association relationship between the two;

The pre-authorization step is to open the pre-authorized transaction authority for the affiliated user;

The biometric acquisition step is to acquire the biometric information of the transaction object;

the transaction data acquisition step to acquire transaction-related data; and

The data processing step is to judge whether the biometric information has a corresponding primary user ID in the user association relationship, and in the case of judging that there is a corresponding primary user ID, carry out processing according to the transaction-related data and the primary user ID. Pre-authorization completes the transaction.
The data processing method based on user binding relationship according to claim 1, wherein,

In the pre-authorization step, additional conditions for the pre-authorization transaction authority are further set,

The additional conditions include one or more of the following: a pre-authorization period, a pre-authorization amount, and a pre-authorization scenario.
The data processing method based on user binding relationship according to claim 1, wherein,

The primary user identifier is any one of a mobile terminal identifier, an application identifier, and a payment account.
A data processing method based on user binding relationship, characterized in that it is implemented by a mobile terminal, an industry terminal and a background system, comprising:

The mobile terminal acquires the biometric information of the affiliated user and the mobile terminal sends the primary user identification of the primary user and the biometric information of the affiliated user to the background system;

The background system associates the primary user identifier with the biometric information of the affiliated user and stores the user association relationship between the two, and the backend system activates the pre-authorized transaction authority for the affiliated user;

The industry terminal obtains the biometric information of the transaction object and sends the transaction-related data to the back-end system; and

The background system determines whether the biometric information of the transaction object has a corresponding primary user ID in the user association relationship, and in the case of determining that there is a corresponding primary user ID, the transaction is performed according to the transaction-related data and the primary user ID. Pre-authorization completes the transaction.
A data processing method based on a user binding relationship, comprising:

The obtaining step is to obtain the biometric information of the affiliated user;

The requesting step is to send a binding request to the outside based on the primary user ID of the primary user and the biometric information of the affiliated user, so that the primary user ID and the biometric information of the secondary user are associated to form a user association relationship and make setting permissions for pre-authorized transactions on said Affiliated User; and

The receiving step is to receive from the outside the transaction result information based on pre-authorization, wherein the pre-authorization transaction result information indicates whether the acquired biometric information is judged based on the user association relationship to determine whether there is a corresponding primary user identifier and is determined to exist. In this case, the pre-authorization is performed according to the transaction-related data and the primary user identifier to complete the transaction result.
A data processing method based on user binding relationship, is characterized in that, comprises the following steps:

the data receiving step, receiving the main user identification of the main user and the biometric information of the subsidiary users;

A pre-authorization step, associating the primary user identifier with the biometric information of the affiliated user and storing the user association relationship between the two, and opening the pre-authorized transaction authority for the affiliated user; and

The data processing step is to receive the biometric information of the transaction object and the transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and determine whether there is a corresponding main user identifier. Next, pre-authorization is performed based on the transaction-related data and the primary user identifier to complete the transaction.
The data processing method based on user binding relationship according to claim 6, wherein the data processing step comprises:

receiving the first biometric information of the transaction object and the first transaction-related data;

Determine whether the first biometric information of the transaction object has a corresponding primary user identifier in the user association relationship, and in the case of determining that there is a corresponding primary user identifier, record the first transaction-related data and issue the first transaction. an action command;

receiving the second biometric information of the transaction object and the second transaction-related data;

Determine whether the second biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and in the case of determining that there is a corresponding main user identifier, record the second transaction-related data and issue the first two action instructions; and

Pre-authorization is performed according to the first transaction-related data, the second transaction-related data, and the primary user identifier to complete the transaction.
A data processing method based on user binding relationship, characterized in that:

The data receiving step, receiving the primary user identification and the biometric information of the affiliated users;

A pre-authorization step, associating the primary user identifier with the biometric information of the affiliated user and storing the user association relationship between the two, and opening the pre-authorized transaction authority for the affiliated user; and

The data processing step is to receive the biometric information of the transaction object and the transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and determine whether there is a corresponding main user identifier. Next, an action instruction is issued, and pre-authorization is performed based on the transaction-related data and the primary user ID to complete the transaction.
The data processing method based on user binding relationship according to claim 8, wherein,

The data processing steps include:

Receive the first biometric information of the transaction object and the first transaction-related data, determine whether the first biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and determine whether there is a corresponding main user identifier. In the case of user identification, record the first transaction-related data and issue a first action instruction;

Receive the second biometric information of the transaction object and the second transaction-related data, determine whether the second biometric information of the transaction object has a corresponding primary user identifier in the user association relationship, and determine whether there is a corresponding primary user identifier. In the case of user identification, record the second transaction-related data and issue a second action instruction; and

Pre-authorization is performed to complete the transaction according to the first transaction-related data, the second transaction-related data, and the primary user identifier.
A data processing system based on user binding relationship, comprising:

a binding module for associating the primary user ID with the biometric information of the affiliated user and storing the user association relationship between the two;

A pre-authorization module, used to open the pre-authorized transaction authority for the affiliated user;

A biometric acquisition module for acquiring biometric information and transaction-related data of the transaction object; and

The data processing module is used to judge whether the biometric information of the transaction object has a corresponding main user identifier based on the user association relationship, and in the case of judging that there is a corresponding main user identifier, according to the transaction-related data and all The primary user ID is pre-authorized to complete the transaction.
The data processing system based on user binding relationship according to claim 10, wherein,

In the pre-authorization module, additional conditions for the pre-authorization transaction authority are further set,

The additional conditions include one or more of the following: a pre-authorization period, a pre-authorization amount, and a pre-authorization scenario.
The data processing system based on user binding relationship according to claim 10, wherein,

The primary user identifier is any one of a mobile terminal identifier, an application identifier, and a payment account.
A mobile terminal, comprising:

Obtaining module to obtain the biometric information of affiliated users;

a requesting module that sends a binding request to an external system based on the primary user ID of the primary user and the biometric information of the affiliated user to associate the primary user ID with the biometric information of the secondary user and form a user association relationship; and

The result receiving module receives pre-authorized transaction result information from the outside, wherein the pre-authorized transaction result information indicates that the acquired biometric information is judged based on the user association relationship to determine whether there is a corresponding primary user identifier and is determined to exist. In this case, the pre-authorization is performed according to the transaction-related data and the primary user identifier to complete the transaction result.
A background system, characterized in that, comprising:

The data receiving module is used to receive the primary user identification and the biometric information of the affiliated users;

a database for storing the primary user identifier and the biometric information of the affiliated user in an associated manner and storing the user association relationship between the two;

a setting module for enabling pre-authorized transaction authority for the affiliated user; and

The data processing module is used to receive the biometric information of the transaction object and the transaction-related data, and determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association stored in the database, and then determine whether there is a corresponding main user identifier. In the case of the primary user ID, pre-authorization is performed based on the transaction-related data and the primary user ID to complete the transaction.
The background system of claim 14, wherein:

The setting module further sets the additional conditions of the pre-authorized transaction authority,

The additional conditions include one or more of the following: a pre-authorization period, a pre-authorization amount, and a pre-authorization scenario.
The background system of claim 14, wherein:

The data processing module performs the following actions:

Receive the first biometric information of the transaction object and the first transaction-related data, determine whether the first biometric information of the transaction object has a corresponding main user identifier in the user association relationship, and determine whether there is a corresponding main user identifier. In the case of user identification, record the first transaction-related data and issue a first action instruction;

Receive the second biometric information of the transaction object and the second transaction-related data, determine whether the second biometric information of the transaction object has a corresponding primary user identifier in the user association relationship, and determine whether there is a corresponding primary user identifier. In the case of user identification, record the second transaction-related data and issue a second action instruction; and

Pre-authorization is performed to complete the transaction according to the first transaction-related data, the second transaction-related data, and the primary user identifier.
A background system, characterized in that, comprising:

The data receiving module is used to receive the primary user identification and the biometric information of the affiliated users;

a database for storing the primary user identifier and the biometric information of the affiliated user in an associated manner and storing the user association relationship between the two;

a setting module for enabling pre-authorized transaction authority for the affiliated user; and

The data processing module is used to receive the biometric information of the transaction object, determine whether the biometric information of the transaction object has a corresponding main user identifier in the user association stored in the database, and determine whether there is a corresponding main user identifier. In this case, pre-authorization is performed based on the received transaction-related data and the primary user identifier to complete the transaction.
The background system of claim 17, wherein,

The data processing module performs the following actions:

Receive the first biometric information of the transaction object, and determine whether the first biometric information of the transaction object has a corresponding primary user identifier in the user association relationship, and in the case of judging that there is a corresponding primary user identifier, issue the first action command;

Receive the second biometric information of the transaction object, and determine whether the second biometric information of the transaction object has a corresponding primary user identifier in the user association relationship, and in the case of judging that there is a corresponding primary user identifier, issue a second action command; and

Transaction-related data is received and pre-authorized to complete a transaction based on the transaction-related data and the primary user identification.
A computer-readable medium on which a computer program is stored, characterized in that:

When the computer program is executed by the processor, the data processing method based on the user binding relationship according to any one of claims 1 to 9 is realized.
A computer device, comprising a storage module, a processor, and a computer program stored on the storage module and runnable on the processor, wherein the processor implements any one of claims 1 to 9 when executing the computer program The data processing method based on the user binding relationship described in item.