CN104346727A - Handset authentication payment system and method based on human natural characteristic matching - Google Patents
Handset authentication payment system and method based on human natural characteristic matching Download PDFInfo
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- CN104346727A CN104346727A CN201310315411.5A CN201310315411A CN104346727A CN 104346727 A CN104346727 A CN 104346727A CN 201310315411 A CN201310315411 A CN 201310315411A CN 104346727 A CN104346727 A CN 104346727A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3226—Use of secure elements separate from M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The invention provides a handset authentication payment system and a method based on characteristic matching. The method comprises steps that a payment request is sent by a user to a cashier client; a mobile bank payment server is requested by the cashier client after paying request confirmation for payment; a payment serial number for payment is generated by the mobile bank payment server after reception of payment information and is fed back to the cashier client and a user; a handset payment client is logged in by the user, data of acquired videos after processing is sent to an identity authentication server through the payment client; matching for the received characteristic data is carried out by the identity authentication server to determine whether the identity of the user is legal to determine whether transaction is stopped or not; after identity authentication, a payment request is sent by the user according to the transaction serial number to the mobile bank payment server; account data of the user is checked by the mobile bank payment server, after check success, payment amount is transferred from a user account to a merchant account. The method provides a safe, rapid and high-efficiency online payment means for online handset payment.
Description
Technical field
The present invention relates to computer image processing technology field, particularly about the application of computer image processing technology in Mobile banking, in particular to a kind of mobile phone certification payment system and method for the natural feature matching based on people.
Background technology
Along with the development of Internet technology, a kind of important form that shopping online and payment have become people's shopping and transferred accounts.Particularly along with the continuous expansion of the development of the technology of mobile phone and the range of application of Mobile banking, log in Mobile banking's client by mobile phone to carry out shopping online and transfer accounts becoming the mode that young man commonly uses, even likely overturn traditional mode in future, so being undertaken serving by Mobile banking becomes a kind of trend.
But, disclosed in Internet technology and mobile communication technology are, be easy under attack, Mobile banking's payment cipher in the process paid is easy to be stolen by others, and mobile phone is small and exquisite due to its, easy loss next to the skin, and person can utilize mobile phone to carry out mobile payment to pick up mobile phone, very large to the loss of individual.In authenticated client, the widely used static password authentication mode of Mobile banking, more and more seems dangerous, and the stolen phenomenon of clients fund occurs repeatedly, therefore, in the urgent need to a kind of authentication mode of mobile phone online payment of the physical feature based on user itself.
Summary of the invention
The invention provides a kind of mobile phone certification payment system and method for the natural feature matching based on people, for solving mobile phone Payment Online problem, providing safe, the mobile phone on-line payment means of low cost.
Technical scheme of the present invention is: a kind of mobile phone certification payment system of the natural feature matching based on people and method, and described method comprises: by the cell-phone number of user and the information data storing of bank card in affiliated Mobile banking; Bank's code clerk data of the information of trade company and trade company are stored in affiliated Mobile banking; The video frequency feature data of user is stored in affiliated Mobile banking; Trade company obtains the cell-phone number of user, generates the information comprising merchant information, payment and user mobile phone number; Order data is comprised order number, merchant information, user mobile phone number, membership information, Currency Type and payment comprise total payment, the preferential amount of money, the actual delivery amount of money are sent in user mobile phone and in Mobile banking; User mobile phone is after sending payment data to cash register client, and after payment data is sent to bank's mobile payment server by cash register client, bank's mobile payment server can send the request of whether concluding the business to the mobile phone of correspondence with the form of note; User mobile phone is after the request of acceptance transaction note, and bank's mobile payment server can send a transaction journal number to cash register client and user mobile phone; After user mobile phone logs in payment client terminal, payment client terminal drives user mobile phone by the video of camera collection user and carries out feature extraction by the method for the ASM added in Mobile banking's fail-safe software to the face of user, comprises the shape of face of user, features of skin colors, facial expression, bridge of the nose height; User mobile phone, after having gathered video and feature extraction, is processed data by the client software of Mobile banking, and the data after process are sent into authentication server; The characteristic of the user in the characteristic received and database is mated by authentication server, judges that whether identity is legal in proper order, thus determines whether stop transaction; Authentication server, after judging that identity is legal, sends to bank's mobile payment server the request of payment; After bank's mobile payment server pays the request of payment, process payment transaction, to transfer accounts payment merchant account from user's bank card, and feedback result is sent to user mobile phone and cash register client with note form.
Based on mobile phone certification payment system and the method for the natural feature matching of people, described system comprises: the mobile phone of user, cash register client and bank's mobile payment server.The mobile phone of the user form of being encrypted by wireless network is connected with bank mobile payment server, and described cash register client is connected with bank mobile payment server by exclusive network; Bank's mobile payment server stores has the information of the cell-phone number of user, the video information of user, the bank card information of user and trade company; Cash register client obtains the cell-phone number of user, generate comprise merchant information, whether be the information such as cell-phone number of membership information, payment, the preferential amount of money, the actual delivery amount of money and user, and these information are sent to bank's mobile payment server; Cash register client, after receiving short message confirming, can send payment data to bank's mobile payment server, and bank's mobile payment server can send transaction journal number to cash register client and user mobile phone; Cellphone subscriber is after receiving transaction journal number, and log in payment client terminal, bank's mobile payment server security software can drive mobile phone camera to take user; Bank's mobile payment server security software, after obtaining video data, can carry out feature extraction by ASM algorithm to the user face in video, judges whether transaction proceeds; Bank's mobile payment server judge legal after, can send note allow user confirm transaction, after Transaction Success, feedback result is sent in user mobile phone and cash register client.And wherein bank's mobile payment server comprises: data memory module, for storing user video information, user mobile phone number, user's bank card information and merchant information; Drive load module, the camera for drive electronics carries out capture video; Algorithm for encryption module, carries out feature extraction for the personage in the video to shooting; Short message transceiving module, for sending the confirmation request note comprising order data to described mobile phone, and accepts described confirmation answer short message and sends feedback result; Data processing module, processes the order data accepted, and checks described user's bank card data, checks correctly, forwards payment user bank card to merchant account.
Accompanying drawing explanation
The Figure of description forming a application's part is used to provide a further understanding of the present invention, and schematic description and description of the present invention, for explaining the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings:
Fig. 1 is the schematic flow sheet according to the embodiment of the present invention;
Fig. 2 is the bank mobile payment server capability block figure obtained according to the embodiment of the present invention;
Embodiment
It should be noted that, when not conflicting, the embodiment in the application and the feature in embodiment can combine mutually.Below with reference to the accompanying drawings and describe the present invention in detail in conjunction with the embodiments.
For the problem that safety of payment on cellular network in correlation technique is lower, embodiments provide a kind of mobile phone certification payment system of the natural feature matching based on people and the scheme of method.In conventional mobile phone online payment, transaction will be carried out by note to change into and carry out feature extraction with capture video in user transaction process, and then judge the process whether transaction is carried out.Below the scheme of the embodiment of the present invention is described in detail.
According to the embodiment of the present invention, provide a kind of mobile phone certification payment system and method for the natural feature matching based on people.
Fig. 1 is the process flow diagram of the whole process according to the embodiment of the present invention, as shown in Figure 1, the embodiment of the present invention is by utilizing the technology of Video processing and feature extraction, existing payment way is improved, open the field that of online payment is brand-new, breach traditional trade mode on net, make online payment more safely with reliable.
As shown in Figure 1, embodiment of the present invention system comprises the main parts of user mobile phone 101, cash register client 102 and bank's mobile payment server 106 3; The form that described user mobile phone 101 is encrypted by wireless network is connected with cash register client 102; Described cash register client 102 is connected with bank mobile payment server 106 by special network.First, user needs the bank holding oneself to snap into the bank specified to handle the mobile phone on-line payment such as Mobile banking or Web bank obligation, the cell-phone number of oneself and bank card are bound, bank card is consumption card, then user needs a facial video by the special camera head shooting oneself of bank, in the middle of the process of shooting, user needs guarantee mustn't wear dark glasses, hair can not hide forehead, face can not draw heavy make-up and the condition such as can not to wear masks, after having taken video, the teller of bank needs the video of typing to be put in the middle of the software developed and processes, feature extraction is carried out to the face of user, the data extracted are put into database, and as the obligate information in this user mobile-phone payment process afterwards, in online payment process afterwards, only have when obligate information is consistent time, online transaction can be carried out.
When user needs to carry out online payment under shopping online or some other situation, first user can inform that being carried out payment by payer or trade company asks, then the cell-phone number of oneself is informed by payer or trade company by user, sent to cash register client 102 request of payment by payer or trade company, submit order to, then cash register client 102 can send order data to bank's mobile payment server 106, order data comprises the cell-phone number of user, the classification of consumption card, membership information, merchant information and spending amount etc., first bank's mobile payment server 106 can generate a transaction journal number after receiving order data, and feed back to cash register client 102 and user, user is after the data that confirm an order (such as the amount of money) are correct, the Mobile phone payment client 104 of bank's exploitation can be logged in by mobile phone 101, after logging in client 104, first the fail-safe software of bank can drive camera head 103 couples of users of mobile phone to carry out video capture, in the process of shooting, user needs to ensure that face is not with sunglasses, hair can not hide forehead and can not wear masks, after video capture is complete, client secure software can by wireless encryption secure network transmission to bank, bank carries out feature extraction by the face of the identity authentication 105 couples of users being core with ASM algorithm.When data can be sent to after having extracted in the database of bank with user before the data that stay compare, judge to pay with this and whether proceed.When identity authentication judge 105 legal after, user sends to bank's mobile payment server 106 request of payment according to transaction journal number, bank's mobile payment server 106 can process the consumption card data of user after receiving the request of payment, payment is forwarded to the account by payer or trade company from the bank card of user, and payment feedback result is sent to user and trade company with note form or by payer.
As shown in Figure 2, bank's mobile payment server 106 comprises five module compositions such as data memory module 201, drive load module 202, algorithm for encryption module 203, short message transceiving module 204 and data processing module 205.Wherein data memory module 201 is for storing user video information, user mobile phone number, user's bank card information and merchant information; Drive load module 202 carries out capture video for driving the camera of user mobile phone equipment; Being loaded with in algorithm for encryption module 203 with ASM is the feature extraction algorithm of core, carries out feature extraction for the user in the video to shooting; Short message transceiving module 204 for sending the confirmation request note comprising order data to described user mobile phone, and accepts described confirmation answer short message and sends feedback information to user with by payer or trade company; Data processing module 205 for processing the order data accepted, and is checked described user's bank card data, checks correctly, forwards payment user bank card to merchant account.
Claims (10)
1., based on mobile phone certification payment system and the method for the natural feature matching of people, it is characterized in that, described method comprises:
By the cell-phone number of user and the information data storing of bank card in affiliated Mobile banking;
Bank's code clerk data of the information of trade company and trade company are stored in affiliated Mobile banking;
The video frequency feature data of user is stored in affiliated Mobile banking;
Trade company obtains the cell-phone number of user, generates the information comprising merchant information, payment, membership information and user mobile phone number;
Described order data and payment are sent in user mobile phone with in Mobile banking;
Described user mobile phone is after sending payment data to cash register client, and after payment data is sent to bank's mobile payment server by cash register client, bank's mobile payment server can send the request of whether concluding the business to the mobile phone of correspondence;
Described user mobile phone is after the request of acceptance transaction note, and bank's mobile payment server can send a transaction journal number to cash register client and user mobile phone;
After described user mobile phone logs in payment client terminal, payment client terminal gathers video and the feature extraction of user by specific device by bank safety software-driven user mobile phone;
Described user mobile phone, after having gathered video and feature extraction, processes data, and the data after process are sent into authentication server;
The characteristic of the user in the characteristic received and database is mated by described authentication server, once judges that whether identity is legal, thus determines whether stop transaction;
Described authentication server, after judging that identity is legal, sends to bank's mobile payment server the request of payment;
After described bank's mobile payment server pays the request of payment, process payment transaction, to transfer accounts payment merchant account from user's bank card, and feedback result is sent to user and trade company or by payer.
2. method according to claim 1, is characterized in that, described order data comprises sequence information, merchant information, user mobile phone number, membership information and Currency Type.
3. method according to claim 1, is characterized in that, described payment comprises total payment, the preferential amount of money and the actual delivery amount of money.
4. method according to claim 1, is characterized in that, the information data of described bank card comprises the classification of bank, the user name of bank, card number and password.
5. method according to claim 1, is characterized in that, the video features of described user comprises the shape of face of user, features of skin colors, facial expression and bridge of the nose height.
6. method according to claim 1, is characterized in that, described bank's mobile payment server will send the request of whether concluding the business with the form of note to user mobile phone.
7. method according to claim 1, is characterized in that, described video acquisition is made a video recording by bank safety software-driven user mobile phone camera, and the data obtained are carried out process by the specific software of bank obtains data.
8. method according to claim 1, is characterized in that, the feature extraction that described video acquisition is later, and the method for the ASM added in the specific software by Mobile banking's client carries out feature extraction to the face of people.
9. based on mobile phone certification payment system and the method for the natural feature matching of people, it is characterized in that, described system comprises: the mobile phone of user, cash register client and bank's mobile payment server.
The described mobile phone form of being encrypted by wireless network is connected with bank mobile payment server, and described cash register client is connected with bank mobile payment server by exclusive network;
Described bank's mobile payment server stores has the information of the cell-phone number of user, the video information of user, the bank card information of user and trade company;
Described cash register client obtains the cell-phone number of user, generate comprise merchant information, whether be the information such as cell-phone number of membership information, payment, the preferential amount of money, the actual delivery amount of money and user, and these information are sent to bank's mobile payment server.
Described cash register client, after receiving short message confirming, can send payment data to bank's mobile payment server, and bank's mobile payment server can send transaction journal number to cash register client and user mobile phone;
Described cellphone subscriber is after receiving transaction journal number, and log in payment client terminal, bank's mobile payment server security software can drive mobile phone camera to take user;
Described bank's mobile payment server security software, after obtaining video data, can carry out feature extraction by ASM algorithm to the user face in video, judges whether transaction proceeds;
Described bank's mobile payment server judge legal after, can send note allow user confirm transaction, after Transaction Success, feedback result is sent in user mobile phone and cash register client.
10. system according to claim 10, is characterized in that, described bank's mobile payment server comprises:
Data memory module, for storing user video information, user mobile phone number, user's bank card information and merchant information;
Drive load module, carries out capture video for driving the camera of cell phone apparatus;
Algorithm for encryption module, carries out feature extraction for the personage in the video to shooting;
Short message transceiving module, for sending the confirmation request note comprising order data to described mobile phone, and accepts described confirmation answer short message and sends feedback result;
Data processing module, processes the order data accepted, and checks described user's bank card data, checks correctly, forwards payment user bank card to merchant account.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310315411.5A CN104346727A (en) | 2013-07-25 | 2013-07-25 | Handset authentication payment system and method based on human natural characteristic matching |
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| CN201310315411.5A CN104346727A (en) | 2013-07-25 | 2013-07-25 | Handset authentication payment system and method based on human natural characteristic matching |
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| CN106157007A (en) * | 2016-07-13 | 2016-11-23 | 山西特信环宇信息技术有限公司 | The application platform of a kind of coin of concluding the business and method |
| CN106209766A (en) * | 2016-06-16 | 2016-12-07 | 山西特信环宇信息技术有限公司 | The bidirectional applications platform of a kind of mobile phone and method |
| WO2017128680A1 (en) * | 2016-01-29 | 2017-08-03 | 上海新卡说信息技术有限公司 | Transaction processing method and transaction system |
| CN109523338A (en) * | 2018-09-29 | 2019-03-26 | 招商局物业管理有限公司 | A kind of electric cash system |
| CN111414639A (en) * | 2019-01-07 | 2020-07-14 | 百度在线网络技术（北京）有限公司 | File encryption and decryption method, device and equipment |
| CN112766952A (en) * | 2021-01-28 | 2021-05-07 | 杉德银卡通信息服务有限公司 | Multi-payment terminal and multi-cash register collection method and system |
| WO2021092791A1 (en) * | 2019-11-13 | 2021-05-20 | 深圳海付移通科技有限公司 | Payment account management method, payment management system and device |
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Application publication date: 20150211 |
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