CN104809614A - Network and biological feature-based identity recognition and payment device and implementation method thereof - Google Patents
Network and biological feature-based identity recognition and payment device and implementation method thereof Download PDFInfo
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- CN104809614A CN104809614A CN201510171376.3A CN201510171376A CN104809614A CN 104809614 A CN104809614 A CN 104809614A CN 201510171376 A CN201510171376 A CN 201510171376A CN 104809614 A CN104809614 A CN 104809614A
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Abstract
The invention relates to a network and biological feature-based identity recognition and payment device. The network and biological feature-based identity recognition and payment device comprises a central processing module, a biological recognition module device connected with the central processing module, a user side payment module device, a payment monitoring module device, a biological recognition authentication monitoring module device, a data storage module device and a data transmission module device. The network and biological feature-based identity recognition and payment device solves the problem that an information authentication system existing in the prior art is simple in authentication manner, easy to copy in biological samples, complex in safety authentication during payment and large in limitation during application. By means of the scheme above, the network and biological feature-based identity recognition and payment device achieves the aims of being comprehensive in functionality and convenient to use and has high practical values and promotional values.
Description
Technical field
The invention belongs to electronic commerce device field, relate to a kind of identification of Network Based and biological characteristic and payment mechanism and its implementation.
Background technology
At present, various authentication together, as biological information identifier, video and audio recognizer etc. have been widely used in each security protection facility, but they all only exist as a kind of single facility, also the authentication mode such as U shield, identification code of mobile phone identifying code, various bank is just achieved when paying, exist stolen, by the risk of copying, this high-end identity identifying technology not and payment system comprehensively do not use at present, market existence blank.And the authentification of message system of prior art authentication more complicated when paying, there is larger restriction during use.They can be carried out integrated application by therefore innovation and creation one, and the system using biometric authentication system and payment system to combine can protect individual bankroll safety undoubtedly well, and convenient payment, password is not lost.
Summary of the invention
The present invention is in order to make up the deficiencies in the prior art, provide the identification of good, the easy to use Network Based and biological characteristic of a kind of security and payment mechanism and its implementation, solve the identification authentication mode existed in prior art comparatively single, the problem that certification restriction is larger.
The present invention is achieved through the following technical solutions:
The identification of Network Based and biological characteristic of the present invention and payment mechanism, it is characterized in that: comprise central processing module device, and the bio-identification modular device be connected with central processing module device respectively, user side payment module device, monitoring module device, data memory module device and data transmission module device.
User side payment module device comprises the mobile payment module device and/or PC payment module device that are connected with central processing module device.
Monitoring module device comprises the biometric authentication monitoring module device that is connected with central processing module device respectively and pays monitoring module device.
Bio-identification modular device comprise be connected with central processing module device respectively vein identification device, iris identification device, face identification device, fingerprint identification device, personal recognition device, face recognition instrument apparatus, human bioequivalence instrument apparatus, combinations several arbitrarily in voice recognition device.
Data transmission module device includes spider lines data transmission module device and/or wireless network data transport module device.
Wireless network data transport module device comprises any one or a few the combination in 3G module, 4G module, GPRS module, CDMA module, WLAN module, WIFI module and bluetooth module.
Network Based and the identification of biological characteristic and the implementation method of payment mechanism of the present invention, is characterized in that: comprise the following steps:
(1) while user carries out Data Enter on biological information identifier, monitoring module device carries out record to individual subscriber payment information, the data that biological information identifier collects by central processing module device automatically and payment information data are bound one to one, and user then selects setting authentication mode voluntarily;
(2) user profile collected carries out processing and storing by central processing module device, and set up corresponding user profile data record, when user carries out authentification of message, authentication result stored and turn back to user side, namely user authentication success time in center processing end record authentication information and result, and authentication result is turned back to user side, user selects the operation next carried out according to the authentication result returned; Record authentication result equally during user authentication failure, central processing module device by the information displaying of reminding user again certification at user side;
(3), after the user carrying out certification receives authentication result, if the result returned is authentication success, next user carries out delivery operation; After paying application submission, central processing module device carries out corresponding delivery operation, if pay successfully, then notes down payment process, and returns results to user side; If pay unsuccessfully, then record pays failed reason and pays and notes down, and returns failure result and reason to user side.
Network Based and the identification of biological characteristic and the implementation method of payment mechanism of the present invention, it is characterized in that: in regular hour section, the authentication application frequency of failure has a definite limitation, equally, pay the application frequency of failure and also have a definite limitation, if exceed number of times, then individual actual data should be submitted to carry out unlocking operation by phone, note, network mode.
The modes of payments of user side payment module device comprises bank card payment interface, Alipay payment interface, wealth pay logical payment interface, micro-letter payment interface.
The invention has the beneficial effects as follows:
(1) gathered the authentication mode of multiple advanced person, abandoned backward authentication mode, ensure that the reliability of authentication, uniqueness, rapidity.
(2) gather the multiple modes of payments, met the requirement of different crowd, prevent the result can not carrying out because the modes of payments is single paying.
(3) certification, payment process are safe and secret, guarantee that personal information is not revealed, guarantee that the modes of payments, payment process can be reviewed, and disbursing funds, it is reliable to come in and go out.Solve the problem that the security of payment funding mode is not high, password is easily lost.
(4) structural safety of the present invention is reasonable, complete function, and it is convenient to implement, and is easy to left-hand seat, has very high practical value, is applicable to applying on a large scale.
(5) full-automatic without the need to manual intervention, increasingly automated and intelligent in operating process of the present invention.
Accompanying drawing explanation
Fig. 1 is structural schematic block diagram of the present invention.Fig. 2 is workflow schematic diagram.
Embodiment
Accompanying drawing is a kind of specific embodiment of the present invention.
The identification of Network Based and biological characteristic of the present invention and payment mechanism, comprise central processing module device, and the bio-identification modular device be connected with central processing module device respectively, user side payment module device, monitoring module device, data memory module device and data transmission module device.
User side payment module device comprises the mobile payment module device and/or PC payment module device that are connected with central processing module device.
Monitoring module device comprises the biometric authentication monitoring module device that is connected with central processing module device respectively and pays monitoring module device.When carrying out authentication, monitoring verification process and data whether legal, when paying, monitoring payment flow time meet relevant regulations, ensure fund security.
Bio-identification modular device comprise be connected with central processing module device respectively vein identification device, iris identification device, face identification device, fingerprint identification device, personal recognition device, face recognition instrument apparatus, human bioequivalence instrument apparatus, combinations several arbitrarily in voice recognition device.Consider the reliability of biomedical information acquisition, our first-selected hand vein recognition is as the mode of biological information identification.According to actual service condition, one or more that can also use in personal recognition, iris recognition, face recognition, human bioequivalence carry out synthetical collection.
Data transmission module device includes spider lines data transmission module device and/or wireless network data transport module device.
Preferentially select 3G and/or 4G modular device as wireless data transfer module device in the present invention; Consider actual conditions, wireless data transfer module device can also be any one or a few the combination in GPRS modular device, CDMA modular device, WLAN modular device, WIFI modular device, bluetooth module device, wherein, central processing module device in actual application, all operation informations can be carried out monitoring, certification, record, storage.
Based on above-mentioned hardware device, provide the implementation method of a kind of living things feature recognition and payment application system in the present invention, comprise the following steps:
(1) while user carries out Data Enter on biological information identifier, monitoring module device carries out record to individual subscriber payment information, the data that biological information identifier collects by central processing module device automatically and payment information data are bound one to one, and user then selects setting authentication mode voluntarily;
(2) user profile collected carries out processing and storing by central processing module device, and set up corresponding user profile data record, when user carries out authentification of message, authentication result stored and turn back to user side, namely user authentication success time in center processing end record authentication information and result, and authentication result is turned back to user side, user selects the operation next carried out according to the authentication result returned; Record authentication result equally during user authentication failure, central processing module device by the information displaying of reminding user again certification at user side;
(3), after the user carrying out certification receives authentication result, if the result returned is authentication success, next user carries out delivery operation; After paying application submission, central processing module device carries out corresponding delivery operation, if pay successfully, then notes down payment process, and returns results to user side; If pay unsuccessfully, then record pays failed reason and pays and notes down, and returns failure result and reason to user side.
Consider from the safety and reliability of certification, payment, authentication record and monitoring record must the two all pass through after can carry out delivery operation, in order to ensure safety and reliability further, in regular hour section, the authentication application frequency of failure has a definite limitation, and equally, paying the application frequency of failure also has a definite limitation, if exceed number of times, then individual actual data should be submitted to carry out unlocking operation by means such as phone, note, networks.
The modes of payments of user side payment module device comprises bank card payment interface, Alipay payment interface, wealth pay logical payment interface, micro-letter payment interface.
For guaranteeing the safe and reliable of native system, also have security mechanism between described central processing module device and data transmission module device, the data in transmitting procedure can be encrypted and automatic decryption processing by this security mechanism automatically.
In order to carry out authentification of message comparatively all sidedly, the mode of user's signature can be adopted, forming digital signature.User, when certification, in order to the legitimacy of guaranteeing payment and trackability, also can select digital signature, to guarantee that payment has judicial guarantee.
Consider the convenience of technology trends and use, user's payment terminals can log in native system at PC end and carry out biological identification and payment, also can operate accordingly on mobile APP, as long as can be connected to the place of network, can operate.Such as: add new user profile, preserve the biological characteristic of user, after having carried out user identity identification, can carry out payment funding operation, user can select the multiple modes of payments one or more modes wherein; Same user can revise at any time, additions and deletions personal biological information; Record queries is carried out at PC end and mobile APP end.
Claims (9)
1. the identification of a Network Based and biological characteristic and payment mechanism, it is characterized in that: comprise central processing module device, and the bio-identification modular device be connected with central processing module device respectively, user side payment module device, monitoring module device, data memory module device and data transmission module device.
2. the identification of Network Based and biological characteristic according to claim 1 and payment mechanism, is characterized in that: user side payment module device comprises the mobile payment module device and/or PC payment module device that are connected with central processing module device.
3. the identification of Network Based and biological characteristic according to claim 1 and 2 and payment mechanism, is characterized in that: monitoring module device comprises the biometric authentication monitoring module device that is connected with central processing module device respectively and pays monitoring module device.
4. the identification of Network Based and biological characteristic according to claim 1 and 2 and payment mechanism, is characterized in that: bio-identification modular device comprise be connected with central processing module device respectively vein identification device, iris identification device, face identification device, fingerprint identification device, personal recognition device, face recognition instrument apparatus, human bioequivalence instrument apparatus, combinations several arbitrarily in voice recognition device.
5. the identification of Network Based and biological characteristic according to claim 1 and 2 and payment mechanism, is characterized in that: data transmission module device includes spider lines data transmission module device and/or wireless network data transport module device.
6. the identification of Network Based and biological characteristic according to claim 5 and payment mechanism, is characterized in that: wireless network data transport module device comprises any one or a few the combination in 3G module, 4G module, GPRS module, CDMA module, WLAN module, WIFI module and bluetooth module.
7. Network Based and the identification of biological characteristic and an implementation method for payment mechanism according to claim 1, is characterized in that: comprise the following steps:
(1) while user carries out Data Enter on biological information identifier, monitoring module device carries out record to individual subscriber payment information, the data that biological information identifier collects by central processing module device automatically and payment information data are bound one to one, and user then selects setting authentication mode voluntarily;
(2) user profile collected carries out processing and storing by central processing module device, and set up corresponding user profile data record, when user carries out authentification of message, authentication result stored and turn back to user side, namely user authentication success time in center processing end record authentication information and result, and authentication result is turned back to user side, user selects the operation next carried out according to the authentication result returned; Record authentication result equally during user authentication failure, central processing module device by the information displaying of reminding user again certification at user side;
(3), after the user carrying out certification receives authentication result, if the result returned is authentication success, next user carries out delivery operation; After paying application submission, central processing module device carries out corresponding delivery operation, if pay successfully, then notes down payment process, and returns results to user side; If pay unsuccessfully, then record pays failed reason and pays and notes down, and returns failure result and reason to user side.
8. Network Based and the identification of biological characteristic and the implementation method of payment mechanism according to claim 7, it is characterized in that: in regular hour section, the authentication application frequency of failure has a definite limitation, equally, pay the application frequency of failure and also have a definite limitation, if exceed number of times, then individual actual data should be submitted to carry out unlocking operation by phone, note, network mode.
9. Network Based and the identification of biological characteristic and the implementation method of payment mechanism according to claim 7, is characterized in that: the modes of payments of user side payment module device comprises bank card payment interface, Alipay payment interface, wealth pay logical payment interface, micro-letter payment interface.
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| CN106383638A (en) * | 2016-08-26 | 2017-02-08 | 维沃移动通信有限公司 | Paying way displaying method and mobile terminal |
| CN107194683A (en) * | 2016-03-14 | 2017-09-22 | 阿里巴巴集团控股有限公司 | On-line payment method and apparatus |
| CN107392594A (en) * | 2017-07-05 | 2017-11-24 | 佛山杰致信息科技有限公司 | Payment mechanism for e-commerce transaction |
| CN107578240A (en) * | 2016-07-04 | 2018-01-12 | 顾宇峰 | A kind of general subway payment system based on palm print and palm vein fusion identifying technology |
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Application publication date: 20150729 |