CN105354710A - Auxiliary identity authentication method for face identification payment - Google Patents
Auxiliary identity authentication method for face identification payment Download PDFInfo
- Publication number
- CN105354710A CN105354710A CN201510965963.XA CN201510965963A CN105354710A CN 105354710 A CN105354710 A CN 105354710A CN 201510965963 A CN201510965963 A CN 201510965963A CN 105354710 A CN105354710 A CN 105354710A
- Authority
- CN
- China
- Prior art keywords
- user
- face
- authentication
- payment
- recognition
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
-
- 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
- G06Q20/40145—Biometric identity checks
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Collating Specific Patterns (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides an auxiliary identity authentication method for face identification payment. According to the auxiliary identity authentication method, a system forcibly performs primary identity authentication adopting a face identification technology and secondary identity authentication adopting a technology different from the face identification technology on a user under set conditions when face identification payment operation is performed, all that is required is to finish the two times of valid identity authentication, the system determines that an account corresponding to the user is a legal valid identity, and the user is permitted to perform the payment business operation. In order to solve the problem that the 100% of accuracy rate cannot be realized based on a conventional intellectual face identification technology, a technical implementation mode of the secondary identity authentication method for the face identification payment is creatively established, so that the technical problems and the security risks of the face identification payment are effectively solved and eliminated.
Description
Technical field
The invention belongs to financial payment field, internet, importantly when implementing relevant recognition of face and paying, system forces to carry out the authentication of first time face recognition technology to the user that imposes a condition and be different from the second time authentication of face recognition technology, only complete twice authentication effective, system just judge this user to should payment account as legal effective identity, permitted user carries out payment transaction operation.
Background technology
Mobile payment, also referred to as mobile-phone payment, allows user to use its mobile terminal to carry out consumed commodity or service settling accounts a kind of method of service paid exactly.Unit or individual by mobile device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism and produce the behavior of currency Zhi Fuyu capital transfer, thus realize mobile payment function.Terminal device, internet, application provider and financial institution merge by mobile payment mutually, provide the financial business such as currency payment, payment for user.
Take mobile phone as the mobile payment of carrier, brought out and out life convenient, but have a hunch to also have inconvenient place, as fault of mobile phone, lost mobile phone etc., not only may cause business not handle, and the risk also having fund to be stolen.In view of this, people have just come into the recognition of face payment epoch of bio-identification identity.But for the payment technology that existing face recognition technology supports, there is the intellectual technology to recognition of face, also cannot reach the accuracy rate of 100%, so be necessary secondary identity validation face recognition result being carried out to non-face recognition technology, just can reach the object of secure payment.
Summary of the invention
The secondary identities authentication method that recognition of face of the present invention pays, refer to when carrying out recognition of face delivery operation, system forces to carry out the authentication of first time face recognition technology to the user that imposes a condition and be different from the second time authentication of face recognition technology, only complete twice authentication effective, system just judges that the account corresponding to this user is as legal effective identity, and permitted user carries out payment transaction operation.The present invention is just based on the intellectual technology of existing recognition of face, also cannot reach a difficult problem for the accuracy rate of 100%, the creatively technology Implementation Modes of secondary identity identifying method that pays of framework recognition of face, thus effectively to compensate for recognition of face and pay the technical matters and security risk that exist.
The secondary identities authentication method that recognition of face of the present invention pays, described when carrying out recognition of face delivery operation, system forces to carry out the authentication of first time face recognition technology to the user that imposes a condition and be different from the second time authentication of face recognition technology, only complete twice authentication effective, system just judges that the account corresponding to this user is as legal effective identity, and permitted user carries out payment transaction operation.
Further, or the authentication of described face recognition technology is evaluated and tested by set algorithm rule, and when reaching setting value to the recognition of face evaluation and test value of this user, system assert that user have passed the authentication of face recognition module.
The secondary identities authentication method that recognition of face of the present invention pays, the authentication of described pressure secondary, comprises following implementation step:
S1, start payment module as user, after submitting the request of payment to, system judges that this user request meets imposing a condition of secondary authentication, or provides after user needs the prompting of secondary authentication and enter next step flow process;
S2, when being judged that by face recognition module user is as non-effective authorized user, or judge that user's recognition of face detected value is lower than setting value, then reminding user identification failure, stops user's payment services, or prompting user adopts other modes to implement payment transaction further;
When being judged that by face recognition module user is as effective authorized user, or judge that user's recognition of face detected value is higher than setting value, then enter next flow process;
S3, prompting user carry out second time authentication, or provide the module of unique or multiple authentication to allow user select further;
S4, user start the authentication of the non-face identification of second time; If failure, points out user authentication failure, operation flow stops; If by, enter next flow process;
S5, execution continuation payment operation flow complete delivery operation.
The secondary identities authentication method that recognition of face of the present invention pays, the authentication of described pressure secondary, or also comprise following implementation step:
S1, judge that user is as non-effective authorized user by face recognition module, or judge that user's recognition of face detected value is lower than setting value, then reminding user identification failure, stops user's payment services, or prompting user adopts other modes to implement payment transaction;
When being judged that by face recognition module user is as effective authorized user, or judge that user's recognition of face detected value is higher than setting value, then enter next flow process;
S2, user start payment module, and after submitting the request of payment to, system judges that this request does not meet secondary authentication condition, and permitted user is carried out concrete delivery operation flow process and completed payment; When user starts payment module, after submitting the request of payment to, system judges that this request meets secondary authentication condition, or provides after user needs the prompting of secondary authentication and enter next step flow process;
S3, prompting user carry out second time authentication, or provide the module of unique or multiple authentication to allow user select further;
S4, user start the authentication of the non-face identification of second time; If failure, points out user authentication failure, operation flow stops; If by, enter next flow process;
S5, the operation of execution continuation payment operation flow finishing service.
The secondary identities authentication method that recognition of face of the present invention pays, the algorithmic rule of described face recognition technology, comprise the recognizer based on human face characteristic point, the recognizer based on view picture facial image, based on standard faces template recognizer and utilize neural network to carry out identifying algorithms of different among, require to select setting according to applied environment and result precision.
The secondary identities authentication method that recognition of face of the present invention pays, the algorithmic rule of described face recognition technology is selected, or the synchronous computing of algorithmic rule not of the same race is provided at System Back-end, according to the different requirements of user environment and precision, automatically corresponding algorithmic rule parameter is transferred by system, or the parameter of each algorithmic rule of comprehensive reference, be supplied to face recognition module as consequent parameter.
The secondary identities authentication method that recognition of face of the present invention pays, the secondary identity identifying technology module of described non-face recognition technology, comprise based on traditional numeral or pattern encryption mode, based on fingerprint or the dactylus vein recognition mode of hand, and based on the iris of eye or retina recognition mode, and based on the pattern of face's setting deformation recognition.
The secondary identities authentication method that recognition of face of the present invention pays, the secondary identity identifying technology module of described non-face recognition technology, formerly can set according to user's own physiological feature and self-inveterate habit.
The secondary identities authentication method that recognition of face of the present invention pays, the described user that imposes a condition, refer to that the amount of money that root user needs to pay just can obtain the small amount payment line of effectively authorizing beyond the face recognition technology authentication set, or whether user belongs to the object of restrictive capacity, or other conditions that financial institution sets according to managerial demand.
Accompanying drawing explanation
Diagram is the business process map of the secondary identities authentication method that recognition of face of the present invention pays
Embodiment
Below in conjunction with accompanying drawing, specific embodiments of the invention are described.Should be appreciated that embodiment described herein is only for instruction and explanation of the present invention, is not intended to limit the present invention.
One of embodiment: the secondary identities authentication method that recognition of face of the present invention pays, the authentication of described pressure secondary, comprises following implementation step:
S1, start payment module as user, after submitting the request of payment to, system judges that this user request meets imposing a condition of secondary authentication, or provides after user needs the prompting of secondary authentication and enter next step flow process.
S2, when being judged that by face recognition module user is as non-effective authorized user, or judge that user's recognition of face detected value is lower than setting value, then reminding user identification failure, stops user's payment services, or prompting user adopts other modes to implement payment transaction further.
When being judged that by face recognition module user is as effective authorized user, or judge that user's recognition of face detected value is higher than setting value, then enter next flow process.
S3, prompting user carry out second time authentication, or provide the module of unique or multiple authentication to allow user select further.
S4, user start the authentication of the non-face identification of second time; If failure, points out user authentication failure, operation flow stops; If by, enter next flow process.
S5, execution continuation payment operation flow complete delivery operation.
Embodiment two: the secondary identities authentication method that recognition of face of the present invention pays, the authentication of described pressure secondary, or also comprise following implementation step:
S1, judge that user is as non-effective authorized user by face recognition module, or judge that user's recognition of face detected value is lower than setting value, then reminding user identification failure, stops user's payment services, or prompting user adopts other modes to implement payment transaction; When being judged that by face recognition module user is as effective authorized user, or judge that user's recognition of face detected value is higher than setting value, then enter next flow process.
S2, user start payment module, and after submitting the request of payment to, system judges that this request does not meet secondary authentication condition, and permitted user is carried out concrete delivery operation flow process and completed payment.
When user starts payment module, after submitting the request of payment to, system judges that this request meets secondary authentication condition, or provides after user needs the prompting of secondary authentication and enter next step flow process.
S3, prompting user carry out second time authentication, or provide the module of unique or multiple authentication to allow user select further.
S4, user start the authentication of the non-face identification of second time; If failure, points out user authentication failure, operation flow stops; If by, enter next flow process.
S5, the operation of execution continuation payment operation flow finishing service.
In sum, the secondary identities authentication method that recognition of face of the present invention pays, when carrying out recognition of face delivery operation, system forces to carry out the authentication of first time face recognition technology to the user that imposes a condition and be different from the second time authentication of face recognition technology, only complete twice authentication effective, system just judges that the account corresponding to this user is as legal effective identity, and permitted user carries out payment transaction operation.The present invention is just based on the intellectual technology of existing recognition of face, also cannot reach a difficult problem for the accuracy rate of 100%, the creatively technology Implementation Modes of secondary identity identifying method that pays of framework recognition of face, thus effectively to compensate for recognition of face and pay the technical matters and security risk that exist.
Claims (8)
1. the secondary identities authentication method of recognition of face payment, be characterised in that described when carrying out recognition of face delivery operation, system forces to carry out the authentication of first time face recognition technology to the user that imposes a condition and be different from the second time authentication of face recognition technology, only complete twice authentication effective, system just judges that the account corresponding to this user is as legal effective identity, and permitted user carries out payment transaction operation;
Further, or the authentication of described face recognition technology is evaluated and tested by set algorithm rule, and when reaching setting value to the recognition of face evaluation and test value of this user, system assert that user have passed the authentication of face recognition module.
2. the secondary identities authentication method of recognition of face payment according to claim 1, is characterised in that the authentication of described pressure secondary, comprises following implementation step:
S1, start payment module as user, after submitting the request of payment to, system judges that this user request meets imposing a condition of secondary authentication, or provides after user needs the prompting of secondary authentication and enter next step flow process;
S2, when being judged that by face recognition module user is as non-effective authorized user, or judge that user's recognition of face detected value is lower than setting value, then reminding user identification failure, stops user's payment services, or prompting user adopts other modes to implement payment transaction further;
When being judged that by face recognition module user is as effective authorized user, or judge that user's recognition of face detected value is higher than setting value, then enter next flow process;
S3, prompting user carry out second time authentication, or provide the module of unique or multiple authentication to allow user select further;
S4, user start the authentication of the non-face identification of second time; If failure, points out user authentication failure, operation flow stops; If by, enter next flow process;
S5, execution continuation payment operation flow complete delivery operation.
3. the secondary identities authentication method of recognition of face payment according to claim 1, is characterised in that the authentication of described pressure secondary, or also comprises following implementation step:
S1, judge that user is as non-effective authorized user by face recognition module, or judge that user's recognition of face detected value is lower than setting value, then reminding user identification failure, stops user's payment services, or prompting user adopts other modes to implement payment transaction further;
When being judged that by face recognition module user is as effective authorized user, or judge that user's recognition of face detected value is higher than setting value, then enter next flow process;
S2, user start payment module, and after submitting the request of payment to, system judges that this request does not meet secondary authentication condition, and permitted user is carried out concrete delivery operation flow process and completed payment;
When user starts payment module, after submitting the request of payment to, system judges that this request meets secondary authentication condition, or provides after user needs the prompting of secondary authentication and enter next step flow process;
S3, prompting user carry out second time authentication, or provide the module of unique or multiple authentication to allow user select further;
S4, user start the authentication of the non-face identification of second time; If failure, points out user authentication failure, operation flow stops; If by, enter next flow process;
S5, the operation of execution continuation payment operation flow finishing service.
4. the secondary identities authentication method of recognition of face payment according to claim 1, be characterised in that the algorithmic rule of described face recognition technology, comprise the recognizer based on human face characteristic point, the recognizer based on view picture facial image, based on standard faces template recognizer and utilize neural network to carry out identifying algorithms of different among, require to select setting according to applied environment and result precision.
5. the secondary identities authentication method of recognition of face payment according to claim 4, be characterised in that the algorithmic rule of described face recognition technology is selected, or the synchronous computing of algorithmic rule not of the same race is provided at System Back-end, according to the different requirements of user environment and precision, automatically corresponding algorithmic rule parameter is transferred by system, or the parameter of each algorithmic rule of comprehensive reference, be supplied to face recognition module as consequent parameter.
6. the secondary identities authentication method of recognition of face payment according to claim 1, be characterised in that the secondary identity identifying technology module of described non-face recognition technology, comprise based on traditional numeral or pattern encryption mode, based on fingerprint or the dactylus vein recognition mode of hand, and based on the iris of eye or retina recognition mode, and based on the pattern of face's setting deformation recognition.
7. the secondary identities authentication method of recognition of face payment according to claim 6, is characterised in that the secondary identity identifying technology module of described non-face recognition technology, formerly can sets according to user's own physiological feature and self-inveterate habit.
8. the secondary identities authentication method of recognition of face payment according to claim 1, impose a condition described in being characterised in that user, refer to that the amount of money that root user needs to pay just can obtain the small amount payment line of effectively authorizing beyond the face recognition technology authentication set, or whether user belongs to the object of restrictive capacity, or other conditions that financial institution sets according to managerial demand.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510965963.XA CN105354710A (en) | 2015-12-22 | 2015-12-22 | Auxiliary identity authentication method for face identification payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510965963.XA CN105354710A (en) | 2015-12-22 | 2015-12-22 | Auxiliary identity authentication method for face identification payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105354710A true CN105354710A (en) | 2016-02-24 |
Family
ID=55330677
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510965963.XA Withdrawn CN105354710A (en) | 2015-12-22 | 2015-12-22 | Auxiliary identity authentication method for face identification payment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105354710A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105809447A (en) * | 2016-03-30 | 2016-07-27 | ***股份有限公司 | Payment authentication method and system based on face recognition and HCE |
| CN106204033A (en) * | 2016-07-04 | 2016-12-07 | 首都师范大学 | A kind of based on recognition of face with the payment system of fingerprint recognition |
| CN107369020A (en) * | 2017-04-21 | 2017-11-21 | 阿里巴巴集团控股有限公司 | A kind of method of payment, apparatus and system |
| CN109344581A (en) * | 2018-08-06 | 2019-02-15 | 阿里巴巴集团控股有限公司 | Method of calibration and device |
| CN109344776A (en) * | 2018-10-09 | 2019-02-15 | 北京智行者科技有限公司 | Data processing method |
| CN112133453A (en) * | 2020-09-16 | 2020-12-25 | 成都美透科技有限公司 | User consultation auxiliary analysis system based on medical and American data and medical data |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102332093A (en) * | 2011-09-19 | 2012-01-25 | 汉王科技股份有限公司 | Identity authentication method and device adopting palmprint and human face fusion recognition |
| US20120084200A1 (en) * | 2010-10-01 | 2012-04-05 | Michel Triana | Systems and methods for completing a financial transaction |
| CN103310339A (en) * | 2012-03-15 | 2013-09-18 | 凹凸电子（武汉）有限公司 | Identity recognition device and method as well as payment system and method |
| CN103778531A (en) * | 2014-02-23 | 2014-05-07 | 王恩惠 | Method and system for implementing electronic bank card payment on basis of two-dimensional code |
| CN103824068A (en) * | 2014-03-19 | 2014-05-28 | 上海看看智能科技有限公司 | Human face payment authentication system and method |
| CN104361276A (en) * | 2014-11-18 | 2015-02-18 | 新开普电子股份有限公司 | Multi-mode biometric authentication method and multi-mode biometric authentication system |
| CN105119723A (en) * | 2015-09-15 | 2015-12-02 | 重庆智韬信息技术中心 | Identity authentication and authorization method based on human eye recognition |
-
2015
- 2015-12-22 CN CN201510965963.XA patent/CN105354710A/en not_active Withdrawn
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120084200A1 (en) * | 2010-10-01 | 2012-04-05 | Michel Triana | Systems and methods for completing a financial transaction |
| CN102332093A (en) * | 2011-09-19 | 2012-01-25 | 汉王科技股份有限公司 | Identity authentication method and device adopting palmprint and human face fusion recognition |
| CN103310339A (en) * | 2012-03-15 | 2013-09-18 | 凹凸电子（武汉）有限公司 | Identity recognition device and method as well as payment system and method |
| CN103778531A (en) * | 2014-02-23 | 2014-05-07 | 王恩惠 | Method and system for implementing electronic bank card payment on basis of two-dimensional code |
| CN103824068A (en) * | 2014-03-19 | 2014-05-28 | 上海看看智能科技有限公司 | Human face payment authentication system and method |
| CN104361276A (en) * | 2014-11-18 | 2015-02-18 | 新开普电子股份有限公司 | Multi-mode biometric authentication method and multi-mode biometric authentication system |
| CN105119723A (en) * | 2015-09-15 | 2015-12-02 | 重庆智韬信息技术中心 | Identity authentication and authorization method based on human eye recognition |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105809447A (en) * | 2016-03-30 | 2016-07-27 | ***股份有限公司 | Payment authentication method and system based on face recognition and HCE |
| CN106204033A (en) * | 2016-07-04 | 2016-12-07 | 首都师范大学 | A kind of based on recognition of face with the payment system of fingerprint recognition |
| CN107369020A (en) * | 2017-04-21 | 2017-11-21 | 阿里巴巴集团控股有限公司 | A kind of method of payment, apparatus and system |
| CN109344581A (en) * | 2018-08-06 | 2019-02-15 | 阿里巴巴集团控股有限公司 | Method of calibration and device |
| CN109344776A (en) * | 2018-10-09 | 2019-02-15 | 北京智行者科技有限公司 | Data processing method |
| CN109344776B (en) * | 2018-10-09 | 2022-11-11 | 北京智行者科技股份有限公司 | Data processing method |
| CN112133453A (en) * | 2020-09-16 | 2020-12-25 | 成都美透科技有限公司 | User consultation auxiliary analysis system based on medical and American data and medical data |
| CN112133453B (en) * | 2020-09-16 | 2022-08-26 | 成都美透科技有限公司 | User consultation auxiliary analysis system based on medical and American data and medical data |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105354710A (en) | Auxiliary identity authentication method for face identification payment | |
| AU2018200898B2 (en) | Authentication using biometric technology through a consumer device | |
| US10650377B2 (en) | Passive cardholder verification method in mobile device | |
| US20220398591A1 (en) | Systems and methods for biometric transaction management | |
| US9390445B2 (en) | Authentication using biometric technology through a consumer device | |
| WO2015058529A1 (en) | A fingerprint payment method and related device and system | |
| US8249989B2 (en) | Check cashing at automated teller machine | |
| JP6705232B2 (en) | System, cash deposit method and program | |
| CN104143139A (en) | Payment method and system based on facial expressions | |
| CN109377680B (en) | Withdrawal control method and device | |
| US20170186014A1 (en) | Method and system for cross-authorisation of a financial transaction made from a joint account | |
| US11907352B2 (en) | Biometric override for incorrect failed authorization | |
| WO2022148392A1 (en) | Face-scanning payment method and apparatus | |
| CN108230139B (en) | Method and system for deposit and account opening by using self-service equipment | |
| US20140337225A1 (en) | Biometric-based transaction fraud detection | |
| CN108734897B (en) | Withdrawal method, withdrawal auditing device, cash dispenser, server and medium | |
| US20180096356A1 (en) | Method and apparatus for initiating a verified payment transaction | |
| KR101977169B1 (en) | Agent of processing bank affairs for displaying interest in real time, and metohd for displaying interest in real time | |
| Kathirvel et al. | Based Mobile Bill Payment System Using Biometric Fingerprint | |
| CA2951035A1 (en) | Method and system for preventing fraud | |
| CN111027980B (en) | Method and device for verifying use of limit | |
| KR102015861B1 (en) | Server for managing bank affairs, system for processing bank affairs, and method for establishing accounts using the same | |
| KR102288509B1 (en) | Apparatus and method for providing financial services to foreigner, and computer-readable recording medium | |
| CN105046492B (en) | Authorized consumption method and system | |
| JP2005202729A (en) | Automatic transaction system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20160224 |
|
| WW01 | Invention patent application withdrawn after publication |