CN105931050A - Bank card information authentication method, client side, and bank system - Google Patents
Bank card information authentication method, client side, and bank system Download PDFInfo
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- CN105931050A CN105931050A CN201511016984.3A CN201511016984A CN105931050A CN 105931050 A CN105931050 A CN 105931050A CN 201511016984 A CN201511016984 A CN 201511016984A CN 105931050 A CN105931050 A CN 105931050A
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- Prior art keywords
- banking system
- information
- card
- client
- bank card
- Prior art date
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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
-
- 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
- G06Q20/38—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
Abstract
The invention relates to the technical field of financial security and particularly relates to a bank card information authentication method, a client side, and a bank system, aiming to solve the technical problem of bank card information security authentication. The bank card information authentication method includes that the client side takes a picture of a bank card by a camera, generates a bank card picture and acquires the card surface information of the bank card, and then sends the card surface information to a bank system, the card surface information is subjected to security authentication by the bank system, when the security authentication is passed, the client side acquires the facial image by the camera and sends the facial image to the bank system, the bank system performs the security authentication on the facial image, and if the security authentication is passed, the client side determines that the authentication of the bank card information succeeds. According to the method, when the bank card information is subjected to security authentication, the actual bank card is needed, and moreover, the card surface information of the bank card acquired from the bank card is subjected to the security authentication, and the bankcard holder is also subjected to the security authentication, the security and the reliability of the information authentication of the bank card are guaranteed.
Description
Technical field
The present invention relates to technical field of financial safety, particularly relate to a bank card information authentication method, client
And banking system.
Background technology
Along with the development of Internet technology, the transformation of the means of payment, present most of mobile terminals or client
End is all supported to bind bank card by Mobile solution, thus realizes carrying out line by Mobile solution or browser
On order is paid, but using on line before the means of payment, be typically necessary and bank card information is entered
Row safety certification, such as at needs by bank card account number and certain payment accounts (such as Alipay account, micro-
Letter account) when binding, then need bank card information is carried out safety certification, to confirm that user is certain
Have associated rights.
Prior art, when bank card information is carried out safety certification, such as by certain payment accounts and bank
Card account is bound, and needs user to input bank card information, such as bank card number, bank card password, body
Part card number, name etc., and bank card information is sent to banking system carries out safety certification, if safety is recognized
Card passes through, it is determined that binding success.
Aforesaid way there is the problem that if the bank card information of user is stolen, though then appropriator hands
On there is no entity bank card, even if or not bank card owner operation, it is also possible to according to steal
The information safety certification by banking system, thus cause economic loss or credit to damage to bank card user
Evil.
In sum, when prior art is to the certification of bank card information, simply recognize according to bank card information
, there is the biggest potential safety hazard in card, safety is the highest.
Summary of the invention
The present invention provides a bank card information authentication method, client and banking system, in order to solve existing skill
Present in art when to the certification of bank card information, simply it is authenticated according to bank card information, exists very
Big potential safety hazard, the technical problem that safety is the highest.
On the one hand, the embodiment of the present invention provides a kind of bank card information authentication method, including:
Described bank card, when needs carry out authentification of message to bank card, is clapped by client by photographic head
According to and generate bank card picture, and obtain the card surface information of described bank card according to described bank card picture；
Described card surface information is sent to banking system by described client, so that described banking system is to described card
Surface information carries out safety certification；
If described card surface information certification success, the most described client are passed through described photographic head by described banking system
Obtain and described facial image sent to described banking system after facial image so that described banking system according to
Described card surface information and described facial image carry out safety certification to described facial image；
If described facial image certification success, the most described client are confirmed described bank by described banking system
Card information certification success.
Alternatively, described card surface information is sent after banking system by described client, by described shooting
Described facial image was sent before described banking system after obtaining facial image by head, also included:
Described client receives multiple characteristic point position information that described banking system sends；
Described client, according to the multiple characteristic point position information received, obtains on described bank card picture with every
The attribute information on position that individual characteristic point position information is corresponding；
The all properties information of acquisition is sent to described banking system by described client, so that described department of banking
Unite and all properties information received is carried out safety certification.
On the other hand, the embodiment of the present invention provides a kind of client, it is characterised in that including:
Acquiring unit, for when needs carry out authentification of message to bank card, by photographic head to described bank
Card carries out taking pictures and generating bank card picture, and obtains the card of described bank card according to described bank card picture
Surface information；
Transmitting element, for sending described card surface information to banking system, so that described banking system is to institute
State card surface information and carry out safety certification；
If described banking system is to described card surface information certification success, then obtain face figure by described photographic head
After Xiang, described facial image is sent to described banking system, so that described banking system is believed according to described card face
Breath and described facial image carry out safety certification to described facial image；
Confirmation unit, if for described banking system to described facial image certification success, then confirming described
Bank card information certification success.
Alternatively, described acquiring unit, it is additionally operable to:
Receive multiple characteristic point position information that described banking system sends；
According to receive multiple characteristic point position information, obtain on described bank card picture with each characteristic point position
The attribute information on position that confidence breath is corresponding；
Described transmitting element, is additionally operable to:
The all properties information of acquisition is sent to described banking system, so that described banking system is to reception
All properties information carries out safety certification.
On the one hand, the embodiment of the present invention provides a kind of bank card information authentication method, including:
Banking system receives the bank card card surface information that client sends；
Described banking system is according to the bank card number in described card surface information, it is judged that the number of described banking system
According to whether storehouse exists the record information corresponding with described bank card number；
If it is determined that the data base of described banking system exists the record information corresponding with described bank card number,
The described card surface information that the most described banking system receives according to described record information butt joint carries out safety certification；
If to described card surface information certification success, the most described banking system receives the face that described client sends
Image, and the facial image sent described client according to described card surface information carries out safety certification；
If to described facial image certification success, the most described banking system sends certification success notification message to institute
State client.
Alternatively, described banking system receives the facial image that described client sends, and according to described card face
The facial image that described client is sent by information carries out safety certification, including:
Described banking system, according to described card surface information, obtains with described from the data base of described banking system
The facial image that card surface information is corresponding；
The facial image that the client received is sent by described banking system and the number from described banking system
Compare according to the facial image obtained in storehouse；
If comparison success, the most described banking system determines the facial image safety certification sending described client
Success.
Alternatively, the described card surface information that described banking system receives according to described record information butt joint is pacified
After full certification, before receiving the facial image that described client sends, also include:
The described banking system multiple characteristic point position information of transmission are to described client, so that described client root
According to the characteristic point position information received, obtain position corresponding with each characteristic point position information on described bank card
The attribute information put；
Described banking system receives the attribute information that described client sends；
Described banking system is according to described card surface information and the plurality of characteristic point position information, from described bank
The data base of system obtains corresponding attribute information；
The attribute information that the client received is sent by described banking system and the number from described banking system
Compare according to the attribute information obtained in storehouse；
If comparison success, the most described banking system determines the attribute information safety certification sending described client
Success.
On the other hand, the embodiment of the present invention also provides for a kind of banking system, including:
Receive unit, for receiving the bank card card surface information that client sends；
Judging unit, for according to the bank card number in described card surface information, it is judged that described banking system
Whether data base exists the record information corresponding with described bank card number；
Safety certification unit, for if it is determined that exist and described bank card card in the data base of described banking system
Number corresponding record information, then the described card surface information received according to described record information butt joint carries out safety to be recognized
Card；
If to described card surface information certification success, then receive described client send facial image, and according to
The facial image that described client is sent by described card surface information carries out safety certification；
Transmitting element, if for described facial image certification success, then send certification success notification message to
Described client.
Alternatively, described safety certification unit, specifically for:
According to described card surface information, obtain corresponding with described card surface information from the data base of described banking system
Facial image；
The facial image that the client received is sent and acquisition from the data base of described banking system
Facial image is compared；
If comparison success, it is determined that the facial image safety certification success that described client is sent.
Alternatively, described transmitting element is additionally operable to:
Send multiple characteristic point position information to described client, so that described client is according to the feature received
Dot position information, obtains the attribute letter on position corresponding with each characteristic point position information on described bank card
Breath；
Described reception unit, is additionally operable to:
Receive the attribute information that described client sends；
Described safety certification unit, is additionally operable to:
According to described card surface information and the plurality of characteristic point position information, from the data base of described banking system
The corresponding attribute information of middle acquisition；
The attribute information that the client received is sent and acquisition from the data base of described banking system
Attribute information is compared；
If comparison success, it is determined that the attribute information safety certification success that described client is sent.
The bank card information authentication method that the embodiment of the present invention provides, client carries out letter at needs to bank card
During breath certification, by photographic head bank card taken pictures and generate bank card picture, and according to bank card
Picture obtains the card surface information of bank card, then sends card surface information to banking system, so that banking system
Card surface information is carried out safety certification, when card surface information safety certification is passed through by banking system, then client
Facial image is sent to banking system, so that banking system is according to card after obtaining facial image by photographic head
Surface information and facial image carry out safety certification to facial image, if certification is passed through, then client determines silver
Row card information certification success, thus the method is when carrying out safety certification to bank card information, needs bank card
Entity card occurs, and the bank card card surface information got from bank card card is carried out safety certification,
And also need to bank card holder is carried out safety certification, thus ensure that the safety of bank card information certification
Property, reliability.
Accompanying drawing explanation
For the technical scheme being illustrated more clearly that in the embodiment of the present invention, institute in embodiment being described below
The accompanying drawing used is needed to briefly introduce, it should be apparent that, the accompanying drawing in describing below is only the present invention's
Some embodiments, from the point of view of those of ordinary skill in the art, in the premise not paying creative work
Under, it is also possible to other accompanying drawing is obtained according to these accompanying drawings.
The bank card information Verification System Organization Chart that Fig. 1 provides for the embodiment of the present invention；
A kind of bank card information authentication method flow chart that Fig. 2 provides for the embodiment of the present invention；
The another kind of bank card information authentication method flow chart that Fig. 3 provides for the embodiment of the present invention；
The bank card information authentication method interaction diagrams that Fig. 4 provides for the embodiment of the present invention；
A kind of client schematic diagram that Fig. 5 provides for the embodiment of the present invention；
A kind of bank card system schematic diagram that Fig. 6 provides for the embodiment of the present invention.
Detailed description of the invention
In order to make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to this
Bright it is described in further detail, it is clear that described embodiment is only some embodiments of the present invention,
Rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not doing
Go out all other embodiments obtained under creative work premise, broadly fall into the scope of protection of the invention.
As it is shown in figure 1, the bank card information Verification System Organization Chart provided for the embodiment of the present invention, comprise silver
Row system 101, multiple clients, such as client 102, client 103, wherein client can be to move
Dynamic equipment, such as mobile phone, panel computer, or PC etc..
Each client all can be interacted with banking system 101 by network, and such as client will obtain
To bank card information be sent to banking system 101, then carried out safety certification by banking system 101, and
Authentication result is returned to client.
Bank card, when bank opens card, can be taken pictures by user, user is carried out face and takes pictures, and then will
Bank card picture and face information are stored in banking system, and also include the card surface information of bank card, as
Bank card number, for the credit card, also comprises english name, credit card security code, after therefore opening card, and silver
Row system is preserved the picture of this bank card, the face information of corresponding user and card surface information, certainly
Also comprise some bank card internal informations, such as the account amount of money, transaction log etc..
Below in conjunction with Figure of description, the embodiment of the present invention is described in further detail.As in figure 2 it is shown, be
A kind of bank card information authentication method that the embodiment of the present invention provides, including:
Step 201, client are when needs carry out authentification of message to bank card, by photographic head to described silver
Row card carries out taking pictures and generating bank card picture, and obtains described bank card according to described bank card picture
Card surface information；
Described card surface information is sent to banking system by step 202, described client, so that described department of banking
System carries out safety certification to described card surface information；
If the described banking system of step 203 is to described card surface information certification success, the most described client is passed through
Described facial image is sent to described banking system after obtaining facial image by described photographic head, so that described silver
Row system carries out safety certification according to described card surface information and described facial image to described facial image；
If described facial image certification success, the most described client are confirmed by the described banking system of step 204
To described bank card information certification success.
In above-mentioned steps 201, client needs the situation that bank card carries out authentification of message to have a lot, such as
Need bank card is carried out authentification of message when using Mobile solution binding bank card account number, carried out by browser
During e-Bank payment, it is also desirable to bank card is carried out authentification of message.
Client, when needs carry out authentification of message to bank card, can send open command to photographic head, then
Opening photographic head, now user can take pictures before bank card is placed in photographic head, and generates bank card figure
Sheet, after bank card picture to be generated, it is also possible to by mode identification technology, obtains in bank card picture
Bank card card surface information, wherein card surface information refers to the effective information of bank card front or reverse side, such as
Bank card number, english name, credit card security code etc..
In above-mentioned steps 202, after client gets card surface information, card surface information is sent to department of banking
System, is then carried out safety certification by banking system to card surface information, thus when user Kai Ka, banking system
In store the bank card information of all development of users, the card that therefore client can be sent in banking system
Surface information carries out safety certification, if the card surface information that client sends has record, then silver in banking system
Row system can confirm that the card surface information that client sends is all correct, and then banking system can send one
The successful notification message of individual safety certification is to client, certainly, if authentification failure, it is also possible to would send one
The failed notification message of safety certification is to client.
In above-mentioned steps 203, if client receives the card successful notification message of surface information certification, then it is assumed that
Banking system, to described card surface information certification success, then sends photographic head open command, opens photographic head,
Prompting user carries out recognition of face, after client gets the facial image of user, and the people that will get
Face image sends to banking system, and before then banking system passes through user, certification successful card surface information is from silver
The facial image corresponding with this bank card prestored when finding out card in row system, thus banking system
The facial image of storage when opening card in the facial image that the client received can be sent and banking system
Compare, and the most successful to bank card information certification according to comparison result.
If step 204 banking system is to facial image certification success, then client confirms bank card information
Certification success.
In above-mentioned steps 202, bank card card surface information is sent to banking system and carries out recognizing safely by client
Card, in above-mentioned steps 203, facial image is sent to banking system and carries out safety by client.In order to increase
Add safety, prevent from using the bank card faked to pretend to be real bank card to carry out safety certification, therefore in step
After 202, before step 203, it is also possible to increase the safety certification to bank card verity.
Specifically, described card surface information is sent after banking system by described client, by described shooting
Described facial image was sent before described banking system after obtaining facial image by head, also included:
Described client receives multiple characteristic point position information that described banking system sends；
Described client, according to the multiple characteristic point position information received, obtains on described bank card picture with every
The attribute information on position that individual characteristic point position information is corresponding；
The all properties information of acquisition is sent to described banking system by described client, so that described department of banking
Unite and all properties information received is carried out safety certification.
In said method, after banking system is to the success of bank card card surface information safety certification, can be then
Sending multiple characteristic point position information to client, wherein, characteristic point position information refers to the seat of bank card
Mark information, when bank card being selected coordinate system the most in advance for placing with bank card front, with bank card lower-left
The point at angle is zero, and horizontal direction is coordinate X-axis, and vertical direction is coordinate Y-axis, sets up coordinate
System, thus each point in bank card can be with a coordinate representation.
Banking system, when to user Kai Ka, can extract and store the Partial Feature point position of bank card in advance
Attribute information, such as extract 100 characteristic point positions, and these 100 characteristic point positions pair of respective stored
The attribute information answered, wherein attribute information can use the information such as the color of a characteristic point position, colourity
Represent, thus, banking system stores characteristic point position information and the spy of all bank cards opened
Levy the attribute information of a position.
Client receives multiple characteristic point position information that banking system sends, then multiple according to receive
Characteristic point position information, obtains corresponding with each characteristic point position information received from bank card picture
Attribute information on position, is then sent to banking system, banking system by all properties information got
The all properties information received is carried out safety certification, if the bank card characteristic point position that client sends
The attribute information phase that bank card characteristic point position that corresponding attribute information prestores with banking system is corresponding
Meet, then can confirm that the bank card currently doing certification is Truth cards, otherwise confirm currently to do
The bank card of certification is the bank card forged, thus bank card can send instruction, stops verification process.
Thus said method is so that user is when doing bank card information certification, need to ensure real bank card
Occur, otherwise also result in authentification failure, thus improve the safety of bank card information certification.
The bank card information authentication method that the embodiment of the present invention provides, client carries out letter at needs to bank card
During breath certification, by photographic head bank card taken pictures and generate bank card picture, and according to bank card
Picture obtains the card surface information of bank card, then sends card surface information to banking system, so that banking system
Card surface information is carried out safety certification, when card surface information safety certification is passed through by banking system, then client
Facial image is sent to banking system, so that banking system is according to card after obtaining facial image by photographic head
Surface information and facial image carry out safety certification to facial image, if certification is passed through, then client determines silver
Row card information certification success, thus the method is when carrying out safety certification to bank card information, needs bank card
Entity card occurs, and the bank card card surface information got from bank card card is carried out safety certification,
And also need to bank card holder is carried out safety certification, thus ensure that the safety of bank card information certification
Property, reliability.
The another kind of bank card information authentication method provided the embodiment of the present invention below is described in detail, such as figure
Shown in 3, the another kind of bank card information authentication method flow chart provided for the embodiment of the present invention.
Step 301, banking system receive the bank card card surface information that client sends；
Step 302, described banking system are according to the bank card number in described card surface information, it is judged that described silver
Whether the data base of row system exists the record information corresponding with described bank card number；
Step 303 if it is determined that described banking system data base in exist corresponding with described bank card number
Record information, the described card surface information that the most described banking system receives according to described record information butt joint is pacified
Full certification；
If step 304 receives described client to described card surface information certification success, the most described banking system
The facial image sent, and the facial image sent described client according to described card surface information carries out safety
Certification；
If step 305 is to described facial image certification success, the most described banking system sends certification and successfully leads to
Know that message arrives described client.
In above-mentioned steps 301, banking system receives the card surface information of the bank card that client sends, Qi Zhongyin
The card surface information of row card includes bank card number, for the credit card, also comprises english name, credit card security
Code.
In above-mentioned steps 302, banking system is according to the bank card number in card surface information, it is judged that banking system
Data base in whether there is the record information corresponding with described bank card number.Due to the department of banking when Kai Ka
Storing the record information of all bank cards opened in the data base of system, therefore having only to can be by client
Bank card number in the card surface information sent compares with the bank card of storage in the data base of banking system
Right, whether the data base of Confirm Bank's system can exist the record information corresponding with this bank card number.
In above-mentioned steps 303, however, it is determined that the data base of described banking system exists and described bank card number
Corresponding record information, then the out of Memory in the bank card card surface information that client is sent by banking system enters
Row safety certification, such as english name, credit card security code etc., to further confirm that the card face of this bank card
Information is the most correct, thus increases safety and the integrity of checking.
In above-mentioned steps 304, if to card surface information certification success in step 303, then banking system receives
The facial image that client sends, and the facial image sent described client according to card surface information pacifies
Full certification.
Specifically, described banking system receives the facial image that described client sends, and according to described card face
The facial image that described client is sent by information carries out safety certification, including:
Described banking system, according to described card surface information, obtains with described from the data base of described banking system
The facial image that card surface information is corresponding；
The facial image that the client received is sent by described banking system and the number from described banking system
Compare according to the facial image obtained in storehouse；
If comparison success, the most described banking system determines the facial image safety certification sending described client
Success.
Additionally, after step 303, before step 304, it is also possible to bank card is pacified further
Full checking, specifically, the described card surface information that described banking system receives according to described record information butt joint enters
After row safety certification, before receiving the facial image that described client sends, also include:
The described banking system multiple characteristic point position information of transmission are to described client, so that described client root
According to the characteristic point position information received, obtain position corresponding with each characteristic point position information on described bank card
The attribute information put；
Described banking system receives the attribute information that described client sends；
Described banking system is according to described card surface information and the plurality of characteristic point position information, from described bank
The data base of system obtains corresponding attribute information；
The attribute information that the client received is sent by described banking system and the number from described banking system
Compare according to the attribute information obtained in storehouse；
If comparison success, the most described banking system determines the attribute information safety certification sending described client
Success.
In said method, after banking system is to the success of bank card card surface information safety certification, then send
Multiple characteristic point position information are to client, and wherein, characteristic point position information refers to the coordinate letter of bank card
Breath, when bank card being selected coordinate system the most in advance for placing with bank card front, with the bank card lower left corner
Point is zero, and horizontal direction is coordinate X-axis, and vertical direction is coordinate Y-axis, sets up coordinate system,
Thus each point in bank card can be with a coordinate representation.
Banking system, when to user Kai Ka, can extract and store the Partial Feature point position of bank card in advance
Attribute information, such as extract 100 characteristic point positions, and these 100 characteristic point positions pair of respective stored
The attribute information answered, wherein attribute information can use the information such as the color of a characteristic point position, colourity
Represent, thus, banking system stores characteristic point position information and the spy of all bank cards opened
Levy the attribute information of a position.
Client receives multiple characteristic point position information that banking system sends, then multiple according to receive
Characteristic point position information, obtains corresponding with each characteristic point position information received from bank card picture
Attribute information on position, is then sent to banking system, banking system by all properties information got
The all properties information received is carried out safety certification, specifically, if the bank card that client sends is special
Levy the genus that bank card characteristic point position that attribute information corresponding to a position prestore is corresponding with banking system
Property information be consistent, then can confirm that the bank card currently doing certification is Truth cards, otherwise confirm to work as
Before to do the bank card of certification be the bank card forged, thus bank card can send instruction, stops certification
Process.
Thus said method is so that user is when doing bank card information certification, need to ensure real bank card
Occur, otherwise also result in authentification failure, thus improve the safety of bank card information certification.
In above-mentioned steps 305, if to described facial image certification also success, then banking system sends certification one-tenth
Merit notification message, to client, shows to pass through the certification of bank card.
Below client and banking system are retouched in detail bank card information carries out doing alternately of safety certification
State, as shown in Figure 4, the bank card information authentication method interaction diagrams provided for the embodiment of the present invention.
Bank card is taken pictures by photographic head and generates bank card picture by step 401, client, and
The card surface information of bank card is obtained according to bank card picture；
Card surface information is sent to banking system by step 402, client；
Step 403, banking system are according to the bank card number in described card surface information, it is judged that banking system
Whether data base exists the record information corresponding with this bank card number；
Step 404 if it is determined that banking system data base in there is the record corresponding with this bank card number and believe
Breath, then the card surface information that banking system receives according to record information butt joint carries out safety certification；
If the success of step 405 safety certification, then banking system sending card surface information certification success notification message
To client, wherein, card surface information certification success notification message also includes multiple characteristic point position information；
Step 406, client according to the multiple characteristic point position information received, obtain on bank card picture with
The attribute information on position that each characteristic point position information is corresponding；
The all properties information of acquisition is sent to banking system by step 407, client；
Step 408, banking system carry out safety certification to all properties information received, if certification success,
Then send attribute information and be proved to be successful notification message to client；
Step 409, client receive after attribute information is proved to be successful notification message, are obtained by photographic head
Facial image；
Facial image is carried in facial image message and sends to banking system by step 410, client；
Step 411, the banking system facial image to receiving carries out safety certification；
If the facial image safety certification success that step 412 banking system is to receiving, then send face figure
As safety certification success notification message is to client；
If the facial image safety certification success notification that step 413 client receives banking system transmission disappears
Breath, then confirm bank card information certification success.
Based on identical technology design, the embodiment of the present invention also provides for a kind of client.As it is shown in figure 5, be
The client that the embodiment of the present invention provides, including:
Acquiring unit 501, for when needs carry out authentification of message to bank card, by photographic head to described
Bank card carries out taking pictures and generating bank card picture, and obtains described bank card according to described bank card picture
Card surface information；
Transmitting element 502, for described card surface information is sent to banking system, so that described banking system
Described card surface information is carried out safety certification；
If described banking system is to described card surface information certification success, then obtain face figure by described photographic head
After Xiang, described facial image is sent to described banking system, so that described banking system is believed according to described card face
Breath and described facial image carry out safety certification to described facial image；
Confirmation unit 503, if for described banking system to described facial image certification success, then it is right to confirm
Described bank card information certification success.
Alternatively, described acquiring unit 501, it is additionally operable to:
Receive multiple characteristic point position information that described banking system sends；
According to receive multiple characteristic point position information, obtain on described bank card picture with each characteristic point position
The attribute information on position that confidence breath is corresponding；
Described transmitting element 502, is additionally operable to:
The all properties information of acquisition is sent to described banking system, so that described banking system is to reception
All properties information carries out safety certification.
Based on identical technology design, the embodiment of the present invention also provides for a kind of banking system.As shown in Figure 6,
The banking system provided for the embodiment of the present invention, including:
Receive unit 601, for receiving the bank card card surface information that client sends；
Judging unit 602, for according to the bank card number in described card surface information, it is judged that described department of banking
Whether the data base of system exists the record information corresponding with described bank card number；
Safety certification unit 603, for if it is determined that exist and described bank in the data base of described banking system
The record information that card card number is corresponding, then pacify according to the described card surface information that described record information butt joint receives
Full certification；
If to described card surface information certification success, then receive described client send facial image, and according to
The facial image that described client is sent by described card surface information carries out safety certification；
Transmitting element 604, if for described facial image certification success, then sending certification success notification and disappear
Breath is to described client.
Alternatively, described safety certification unit 603, specifically for:
According to described card surface information, obtain corresponding with described card surface information from the data base of described banking system
Facial image；
The facial image that the client received is sent and acquisition from the data base of described banking system
Facial image is compared；
If comparison success, it is determined that the facial image safety certification success that described client is sent.
Alternatively, described transmitting element 604 is additionally operable to:
Send multiple characteristic point position information to described client, so that described client is according to the feature received
Dot position information, obtains the attribute letter on position corresponding with each characteristic point position information on described bank card
Breath；
Described reception unit 601, is additionally operable to:
Receive the attribute information that described client sends；
Described safety certification unit 603, is additionally operable to:
According to described card surface information and the plurality of characteristic point position information, from the data base of described banking system
The corresponding attribute information of middle acquisition；
The attribute information that the client received is sent and acquisition from the data base of described banking system
Attribute information is compared；
If comparison success, it is determined that the attribute information safety certification success that described client is sent.
The present invention is with reference to method, equipment (system) and computer program product according to embodiments of the present invention
The flow chart of product and/or block diagram describe.It should be understood that can by computer program instructions flowchart and
/ or block diagram in each flow process and/or flow process in square frame and flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to general purpose computer, special-purpose computer, embedding
The processor of formula datatron or other programmable data processing device is to produce a machine so that by calculating
The instruction that the processor of machine or other programmable data processing device performs produces for realizing at flow chart one
The device of the function specified in individual flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and computer or the process of other programmable datas can be guided to set
In the standby computer-readable memory worked in a specific way so that be stored in this computer-readable memory
Instruction produce and include the manufacture of command device, this command device realizes in one flow process or multiple of flow chart
The function specified in flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, makes
Sequence of operations step must be performed to produce computer implemented place on computer or other programmable devices
Reason, thus the instruction performed on computer or other programmable devices provides for realizing flow chart one
The step of the function specified in flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
Although preferred embodiments of the present invention have been described, but those skilled in the art once know base
This creativeness concept, then can make other change and amendment to these embodiments.So, appended right is wanted
Ask and be intended to be construed to include preferred embodiment and fall into all changes and the amendment of the scope of the invention.
Obviously, those skilled in the art can carry out various change and modification without deviating from this to the present invention
Bright spirit and scope.So, if the present invention these amendment and modification belong to the claims in the present invention and
Within the scope of its equivalent technologies, then the present invention is also intended to comprise these change and modification.
Claims (10)
1. a bank card information authentication method, it is characterised in that including:
Described bank card, when needs carry out authentification of message to bank card, is clapped by client by photographic head
According to and generate bank card picture, and obtain the card surface information of described bank card according to described bank card picture；
Described card surface information is sent to banking system by described client, so that described banking system is to described card
Surface information carries out safety certification；
If described card surface information certification success, the most described client are passed through described photographic head by described banking system
Obtain and described facial image sent to described banking system after facial image so that described banking system according to
Described card surface information and described facial image carry out safety certification to described facial image；
If described facial image certification success, the most described client are confirmed described bank by described banking system
Card information certification success.
2. the method for claim 1, it is characterised in that described client is by described card surface information
Send after banking system, after obtaining facial image by described photographic head, described facial image is sent extremely
Before described banking system, also include:
Described client receives multiple characteristic point position information that described banking system sends；
Described client, according to the multiple characteristic point position information received, obtains on described bank card picture with every
The attribute information on position that individual characteristic point position information is corresponding；
The all properties information of acquisition is sent to described banking system by described client, so that described department of banking
Unite and all properties information received is carried out safety certification.
3. a bank card information authentication method, it is characterised in that including:
Banking system receives the bank card card surface information that client sends；
Described banking system is according to the bank card number in described card surface information, it is judged that the number of described banking system
According to whether storehouse exists the record information corresponding with described bank card number；
If it is determined that the data base of described banking system exists the record information corresponding with described bank card number,
The described card surface information that the most described banking system receives according to described record information butt joint carries out safety certification；
If to described card surface information certification success, the most described banking system receives the face that described client sends
Image, and the facial image sent described client according to described card surface information carries out safety certification；
If to described facial image certification success, the most described banking system sends certification success notification message to institute
State client.
4. method as claimed in claim 3, it is characterised in that described banking system receives described client
Hold the facial image sent, and the facial image sent described client according to described card surface information is pacified
Full certification, including:
Described banking system, according to described card surface information, obtains with described from the data base of described banking system
The facial image that card surface information is corresponding；
The facial image that the client received is sent by described banking system and the number from described banking system
Compare according to the facial image obtained in storehouse；
If comparison success, the most described banking system determines the facial image safety certification sending described client
Success.
5. method as claimed in claim 3, it is characterised in that described banking system is according to described record
After the described card surface information that information butt joint receives carries out safety certification, receive the face that described client sends
Before image, also include:
The described banking system multiple characteristic point position information of transmission are to described client, so that described client root
According to the characteristic point position information received, obtain position corresponding with each characteristic point position information on described bank card
The attribute information put；
Described banking system receives the attribute information that described client sends；
Described banking system is according to described card surface information and the plurality of characteristic point position information, from described bank
The data base of system obtains corresponding attribute information；
The attribute information that the client received is sent by described banking system and the number from described banking system
Compare according to the attribute information obtained in storehouse；
If comparison success, the most described banking system determines the attribute information safety certification sending described client
Success.
6. a client, it is characterised in that including:
Acquiring unit, for when needs carry out authentification of message to bank card, by photographic head to described bank
Card carries out taking pictures and generating bank card picture, and obtains the card of described bank card according to described bank card picture
Surface information；
Transmitting element, for sending described card surface information to banking system, so that described banking system is to institute
State card surface information and carry out safety certification；
If described banking system is to described card surface information certification success, then obtain face figure by described photographic head
After Xiang, described facial image is sent to described banking system, so that described banking system is believed according to described card face
Breath and described facial image carry out safety certification to described facial image；
Confirmation unit, if for described banking system to described facial image certification success, then confirming described
Bank card information certification success.
7. client as claimed in claim 6, it is characterised in that described acquiring unit, is additionally operable to:
Receive multiple characteristic point position information that described banking system sends；
According to receive multiple characteristic point position information, obtain on described bank card picture with each characteristic point position
The attribute information on position that confidence breath is corresponding；
Described transmitting element, is additionally operable to:
The all properties information of acquisition is sent to described banking system, so that described banking system is to reception
All properties information carries out safety certification.
8. a banking system, it is characterised in that including:
Receive unit, for receiving the bank card card surface information that client sends；
Judging unit, for according to the bank card number in described card surface information, it is judged that described banking system
Whether data base exists the record information corresponding with described bank card number；
Safety certification unit, for if it is determined that exist and described bank card card in the data base of described banking system
Number corresponding record information, then the described card surface information received according to described record information butt joint carries out safety to be recognized
Card；
If to described card surface information certification success, then receive described client send facial image, and according to
The facial image that described client is sent by described card surface information carries out safety certification；
Transmitting element, if for described facial image certification success, then send certification success notification message to
Described client.
9. banking system as claimed in claim 8, it is characterised in that described safety certification unit, tool
Body is used for:
According to described card surface information, obtain corresponding with described card surface information from the data base of described banking system
Facial image；
The facial image that the client received is sent and acquisition from the data base of described banking system
Facial image is compared；
If comparison success, it is determined that the facial image safety certification success that described client is sent.
10. banking system as claimed in claim 8, it is characterised in that described transmitting element is additionally operable to:
Send multiple characteristic point position information to described client, so that described client is according to the feature received
Dot position information, obtains the attribute letter on position corresponding with each characteristic point position information on described bank card
Breath；
Described reception unit, is additionally operable to:
Receive the attribute information that described client sends；
Described safety certification unit, is additionally operable to:
According to described card surface information and the plurality of characteristic point position information, from the data base of described banking system
The corresponding attribute information of middle acquisition；
The attribute information that the client received is sent and acquisition from the data base of described banking system
Attribute information is compared；
If comparison success, it is determined that the attribute information safety certification success that described client is sent.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511016984.3A CN105931050A (en) | 2015-12-29 | 2015-12-29 | Bank card information authentication method, client side, and bank system |
| PCT/CN2016/111563 WO2017114289A1 (en) | 2015-12-29 | 2016-12-22 | Bank-card information authentication method, client terminal, and banking system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511016984.3A CN105931050A (en) | 2015-12-29 | 2015-12-29 | Bank card information authentication method, client side, and bank system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105931050A true CN105931050A (en) | 2016-09-07 |
Family
ID=56839966
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201511016984.3A Pending CN105931050A (en) | 2015-12-29 | 2015-12-29 | Bank card information authentication method, client side, and bank system |
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| Country | Link |
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| CN (1) | CN105931050A (en) |
| WO (1) | WO2017114289A1 (en) |
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| WO2017114289A1 (en) * | 2015-12-29 | 2017-07-06 | ***股份有限公司 | Bank-card information authentication method, client terminal, and banking system |
| CN107094130A (en) * | 2016-12-20 | 2017-08-25 | 招商银行股份有限公司 | Card Activiation method and device |
| CN108573202A (en) * | 2017-03-17 | 2018-09-25 | 北京旷视科技有限公司 | Identity identifying method, device and system and terminal, server and storage medium |
| CN111160920A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Method and device for preventing bank card from being embezzled |
| CN111415243A (en) * | 2020-03-24 | 2020-07-14 | 支付宝(杭州)信息技术有限公司 | Method and device for assisting international bank card audit |
| CN111915401A (en) * | 2020-07-30 | 2020-11-10 | 中国联合网络通信集团有限公司 | Order pre-configuration method and device and electronic equipment |
| CN112687042A (en) * | 2020-12-23 | 2021-04-20 | 中国工商银行股份有限公司 | Authentication method, authentication device and electronic equipment |
| CN113129137A (en) * | 2021-05-18 | 2021-07-16 | 中国农业银行股份有限公司 | Bank card opening method and bank system |
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| CN112053189A (en) * | 2020-09-02 | 2020-12-08 | 中国银行股份有限公司 | Method, client and server for acquiring preferential information of bank card |
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| WO2017114289A1 (en) * | 2015-12-29 | 2017-07-06 | ***股份有限公司 | Bank-card information authentication method, client terminal, and banking system |
| CN107094130A (en) * | 2016-12-20 | 2017-08-25 | 招商银行股份有限公司 | Card Activiation method and device |
| CN108573202A (en) * | 2017-03-17 | 2018-09-25 | 北京旷视科技有限公司 | Identity identifying method, device and system and terminal, server and storage medium |
| CN111160920A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Method and device for preventing bank card from being embezzled |
| CN111415243A (en) * | 2020-03-24 | 2020-07-14 | 支付宝(杭州)信息技术有限公司 | Method and device for assisting international bank card audit |
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| CN111915401A (en) * | 2020-07-30 | 2020-11-10 | 中国联合网络通信集团有限公司 | Order pre-configuration method and device and electronic equipment |
| CN111915401B (en) * | 2020-07-30 | 2023-06-30 | 中国联合网络通信集团有限公司 | Order pre-configuration method and device and electronic equipment |
| CN112687042A (en) * | 2020-12-23 | 2021-04-20 | 中国工商银行股份有限公司 | Authentication method, authentication device and electronic equipment |
| CN113194420A (en) * | 2021-04-30 | 2021-07-30 | 中国银行股份有限公司 | Card password modification method and system based on 5G message and face recognition and each terminal |
| CN113129137A (en) * | 2021-05-18 | 2021-07-16 | 中国农业银行股份有限公司 | Bank card opening method and bank system |
| CN113129137B (en) * | 2021-05-18 | 2023-11-24 | 中国农业银行股份有限公司 | Method for opening bank card and bank system |
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| WO2017114289A1 (en) | 2017-07-06 |
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