CN107145882A - A kind of payment system and bank card based on fingerprint identification technology - Google Patents
A kind of payment system and bank card based on fingerprint identification technology Download PDFInfo
- Publication number
- CN107145882A CN107145882A CN201710583736.XA CN201710583736A CN107145882A CN 107145882 A CN107145882 A CN 107145882A CN 201710583736 A CN201710583736 A CN 201710583736A CN 107145882 A CN107145882 A CN 107145882A
- Authority
- CN
- China
- Prior art keywords
- fingerprint
- bank
- card
- bank card
- fingerprint identification
- 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.)
- Pending
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/12—Fingerprints or palmprints
- G06V40/13—Sensors therefor
- G06V40/1306—Sensors therefor non-optical, e.g. ultrasonic or capacitive sensing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/08—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means
- G06K19/10—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds or more than one marking of the same kind in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
Abstract
The present invention relates to a kind of payment system based on fingerprint identification technology and bank card, including bank card card body and fingerprint capturer, fingerprint capturer is packaged in bank card card body;Signal drives processing unit driving fingerprint capturer collection fingerprint simultaneously to handle the fingerprint collected, and signal drives fingerprint identification unit communication of the processing unit with being arranged at bank's corollary equipment to be connected, user fingerprints information is prestored in fingerprint identification unit.Card is opened in bank, when needing input password confirming, gathered by fingerprint collecting unit after user fingerprints, the fingerprint identification unit that finger print information is sent and is stored into bank's corollary system by bank's card reader, input password confirming is replaced by fingerprint authentication, utilize the uniqueness and the property do not replaced of finger print information, and collection fingerprint and identification fingerprint are respectively arranged in bank card and bank's corollary system, the danger forgotten Password, password is stolen and password is revealed can be prevented, the security using bank card is substantially increased.
Description
Technical field
The invention belongs to pay anti-counterfeit recognition technical field, more particularly to a kind of payment system based on fingerprint identification technology
System and bank card.
Background technology
Bank card refers to have consumer credit, overseas transfers, access cash etc. complete from each business bank to society's distribution
Portion or the credit payment instrument of partial function.With the fast development of information technology, utilization rate very high payment and settlement is used as
Instrument, bank card is more and more universal because safe and portable is used, and work, the daily life given people brings great convenience.
Existing bank card includes two kinds of magnetic stripe card and chip card, and magnetic stripe card is copied in the way of easily being recorded by side, is also held
Easily occur the stolen situation of password, there is certain potential safety hazard;Chip card can solve imitated problem, but can not also solve password robber
Surreptitiously problem, so chip card still has certain potential safety hazard.Exist at this stage substantial amounts of bank card because imitated, password is stolen,
Robber's brush case that password is cracked etc. and produced,《Domestic bank's card steals the report of brush big data within 2016》Point out, the whole network in 2016
Count bank card and steal brush totally 7095 times, it is accumulative to cause client to lose 1.83 hundred million yuan;But, the fix-rate for stealing brush complaint is extremely low, obtains
The possibility that must be compensated is also smaller, and causing huge property to user threatens and economic loss.
There is larger password leakage due to existing bank card, that bank card password, bank card are extracted by criminal is non-
Method uses equivalent risk, it is impossible to be effectively protected user's property safety and vital interests.
The content of the invention
Set respectively with identification as payment cipher, and the collection of fingerprint using fingerprint it is an object of the invention to provide one kind
In bank card and bank's corollary equipment, it is to avoid payment cipher is stolen, reveals, extracted, improve transaction security based on
The payment system and bank card of fingerprint identification technology.
A kind of payment system based on fingerprint identification technology, including:
Bank's card reader, reads subscriber identity information, and send fingerprint identification request to banking system;
Fingerprint collecting unit, is arranged at bank card, gathers user fingerprints information;
Signal drives processing unit, including drive module and signal processing module, and the drive module drives the fingerprint
Collecting unit works, and the signal processing module receives the fingerprint signal of the fingerprint collecting unit transmission and handled;
Fingerprint identification unit, is arranged at bank's corollary equipment, receives and identifies the fingerprint that the signal processing module is sent
Information, and recognition result is fed back into bank's card reader, support the action of bank's card reader request;
The signal driving processing unit is connected through bank's card reader with fingerprint identification unit communication.
In one of the embodiments, the fingerprint collecting unit is that capacitive fingerprint collecting unit or ultrasonic fingerprint are gathered
Unit.
In one of the embodiments, the signal driving processing unit is arranged at bank card or bank's card reader.
In one of the embodiments, the fingerprint signal that the signal processing module is gathered to the fingerprint collecting unit enters
Row pretreatment, drawing or feature extraction processing.
A kind of bank card based on fingerprint identification technology, using above-mentioned payment system, including bank card card body, chip and
Fingerprint capturer, the fingerprint capturer is packaged in the bank card card body, and the fingerprint capturer is connected with the chip;Letter
Number driving processing unit drives fingerprint capturer collection fingerprint and handles the fingerprint collected, the signal driving processing
Fingerprint identification unit communication of the unit with being arranged at bank's corollary equipment is connected, and prestoring user in the fingerprint identification unit refers to
Line information.
In one of the embodiments, signal driving processing unit is arranged at the bank card card body, and with it is described
Fingerprint capturer is matched;Or signal driving processing unit be arranged at the matching used bank's card reader of bank card, and
Matched with the fingerprint capturer.
In one of the embodiments, the fingerprint capturer is that capacitance type fingerprint collector or ultrasonic fingerprint are gathered
Device.
In one of the embodiments, the ultrasonic fingerprint collector is piezoelectric transducer, the piezoelectric transducer envelope
Loaded on the bank card card body.
In one of the embodiments, the intrinsic piezoelectric transducer of bank card that is packaged in senses for piezoelectric membrane
Device.
Compared with prior art, the present invention at least includes advantages below:
Payment system and bank card of the present invention based on fingerprint identification technology open card, it is necessary to input password confirming in bank card
When, gathered by fingerprint collecting unit after user fingerprints, finger print information is sent to bank's corollary system by bank's card reader
In fingerprint identification unit, by fingerprint authentication replace input password confirming, using finger print information uniqueness and the property do not replaced,
And collection fingerprint and identification fingerprint are respectively arranged in bank card and bank's corollary system, it can prevent to forget Password, password quilt
The danger revealed with password is stolen, the security using bank card is substantially increased.
The ultrasonic scanning of ultrasonic fingerprint identification can carry out deep analytical sampling to fingerprint, or even can penetrate into skin
The unique 3D features of fingerprint are identified under skin surface, security reliability is strong;Ultrasonic wave penetrability is strong, can be hidden in glass, modeling
Under the material even surface such as metal, fingerprint capturer can be avoided to be worn and torn and damaged;Meanwhile, scan fingerprint precision also not by
The influence of finger dirt, grease and sweat, is conducive to the convenience of fingerprint collecting accurate.
Brief description of the drawings
Fig. 1 is the structural representation of bank card one embodiment of the invention based on fingerprint identification technology;
Fig. 2 is the structural representation of bank card another embodiment of the invention based on fingerprint identification technology;
Fig. 3 is Fig. 1 sectional view;
Fig. 4 is Fig. 2 sectional view;
Fig. 5 is the structured flowchart of payment system one embodiment of the invention based on fingerprint identification technology;
Fig. 6 is the structured flowchart of payment system another embodiment of the invention based on fingerprint identification technology.
Embodiment
The present invention is further described below in conjunction with the accompanying drawings:
Refer to shown in Fig. 1, Fig. 2, Fig. 3, Fig. 4, be the bank card based on fingerprint identification technology in an embodiment, wrap
Include bank card card body 10, chip 20 and be arranged at the fingerprint capturer 30 of bank card card body 10, fingerprint capturer 30 is packaged in silver
Row card card body 10, fingerprint capturer 30 is connected with chip 20;The signal driving driving collection of fingerprint capturer 30 of processing unit 60 refers to
Line simultaneously handles the fingerprint collected, signal driving processing unit 60 and the fingerprint identification unit 70 for being arranged at bank's corollary equipment
User fingerprints information is prestored in communication connection, fingerprint identification unit 70.
The bank card based on fingerprint identification technology is used with the payment system pairing based on fingerprint identification technology:Use
When, bank card is inserted into bank card reader 40, the chip 20 of bank card contacts energization, bank card reading with bank card reader 40
Card device 40 is read after the subscriber identity information of bank card, and bank's card reader 40 is sent to bank's corollary system to be paid, withdraws the money, depositing
Money etc. is asked, and banking system receives feedback bank card reader 40 after request and confirms user's identity information, and user's input refers to
Line is simultaneously gathered after finger print information by fingerprint collecting unit 50, and the fingerprint recognition at banking system end is sent to by bank's card reader 40
Unit 70, fingerprint identification unit 70 receives and identifies the finger print information that signal driving processing unit 60 is sent, by fingerprint collecting list
The finger print information of the collection of member 50 is compared with the user fingerprints information being pre-stored in fingerprint identification unit 70, checked and approved, if both
Unanimously, then the result of fingerprint matching is sent to bank's card reader 40, realizes that bank's card reader 40 is withholdd or deposited to bank card
The action of money;If both are inconsistent, the unmatched result of fingerprint is sent to bank's card reader 40, bank's card reader 40 is eventually
Only with this time transaction or transmission request again of the bank card.
As shown in Figure 3, Figure 4, signal driving processing unit 60 can be arranged at bank card card body 10, and and fingerprint capturer
30 matchings.As shown in Figure 1 and Figure 2, signal driving processing unit 60 can be arranged at and the matching used bank card Card Reader of bank card
Device 40, and matched with fingerprint capturer 30, then, inside bank card it is not provided with signal driving processing unit 60.
Wherein, bank's card reader 40 can be financial payment terminal machine, ATM, POS or payment terminal machine etc., make
Used time, bank card is inserted into bank's card reader 40, input fingerprint can complete transaction.
In the present embodiment, fingerprint capturer 30 can be capacitance type fingerprint collector 30 or ultrasonic fingerprint collector 30,
It is preferred that ultrasonic fingerprint collector 30, gathers fingerprint especially with piezoelectric transducer, piezoelectric transducer is packaged in into bank card
Card body 10.The ultrasonic scanning of ultrasonic fingerprint identification can carry out deep analytical sampling to fingerprint, or even can penetrate into skin
The unique 3D features of fingerprint are identified under skin surface, the simulation of 3D fingerprints is built and draws, security reliability is strong;Ultrasonic wave penetrability
By force, it can be hidden under glass, the plastics even surface such as metal, fingerprint capturer 30 can be avoided to be worn and torn and damaged;Meanwhile,
The precision of scanning fingerprint is not also influenceed by finger dirt, grease and sweat, is conducive to the convenience of fingerprint collecting accurate, accuracy
It is high.It is with low cost and this is simple in construction.
Wherein, piezoelectric transducer can be piezoelectric film sensor, piezoceramic transducer or piezoelectric cable sensor.Adopt
It is packaged in piezoelectric film sensor in bank card card body 10, and signal driving processing unit 60 is arranged at the silver using bank card
During row card reader 40, the very thin thickness of bank card, existing bank's card thickness indistinction.
The bank card of the present embodiment is chip card, and bank card is inserted into bank's card reader 40 can be such that chip 20 connects therewith
It is all electric, without power supply can the enabling signal driving driving fingerprint capturer 30 of processing unit 60 send ultrasonic scanning collection and refer to
Line.
Refer to shown in Fig. 5, Fig. 6, be the payment system based on fingerprint identification technology in an embodiment, including bank
Card reader 40, fingerprint collecting unit 50, signal driving processing unit 60 and fingerprint identification unit 70, signal driving processing unit
60 include drive module 62 and signal processing module 64;Signal drives processing unit 60 through bank's card reader 40 and fingerprint recognition
The communication connection of unit 70;Bank's card reader 40 reads subscriber identity information, and sends fingerprint identification request to banking system;Refer to
Line collecting unit 50 is arranged at bank card, for gathering user fingerprints information;Fingerprint identification unit 70 is arranged at bank with being arranged
Standby system, receives and identifies the finger print information of the transmission of fingerprint collecting unit 50, and recognition result is fed back into bank's card reader
40, support the next step action of bank's card reader 40.
In use, bank card inserted into bank card reader 40, the chip 20 of bank card is contacted with bank card reader 40
It is powered, bank's card reader 40 is read after the subscriber identity information of bank card, bank's card reader 40 is sent out to bank's corollary system
While sending the request such as payment, withdrawal, deposit, fingerprint identification request is sent, bank card is fed back after banking system reception request and reads
Card device 40 confirms user's identity information;Now, the driving of drive module 62 fingerprint collecting unit 50 works, and user adopts in fingerprint
Collect after the region of unit 50 input fingerprint, the collection finger print information of fingerprint collecting unit 50, be sent to signal processing module 64 to fingerprint
Signal is handled, then is sent to by bank's card reader 40 fingerprint identification unit 70 at banking system end, fingerprint identification unit
70 receive and identify the finger print information that signal driving processing unit 60 is sent, by the finger print information of collection with being pre-stored in fingerprint recognition
User fingerprints information in unit 70 is compared, checked and approved, if both are consistent, and the result for sending fingerprint matching is read to bank card
Card device 40, realizes the action that bank's card reader 40 is withholdd or deposited to bank card;If both are inconsistent, fingerprint is not sent not
The result matched somebody with somebody is to bank's card reader 40, and bank's card reader 40 terminates this time transaction with the bank card or transmission please again
Ask.
Wherein, fingerprint collecting unit 50 is capacitive fingerprint collecting unit 50 or ultrasonic fingerprint collecting unit 50.
Signal driving processing unit 60 may be disposed in bank card or signal driving processing unit 60 is arranged at silver
In row card reader 40, bank's card reader 40 can be financial payment terminal machine, ATM, POS or payment terminal machine.
The processing mode for the fingerprint signal that signal processing module 64 is gathered to fingerprint collecting unit 50 can be pretreatment, 3D
Simulation is drawn or feature extraction processing etc., it is therefore an objective to make that the finger print information collected is apparent, accurate, be easy to and be stored in bank
The user fingerprints of corollary system compare.
Payment system and bank card of the present invention based on fingerprint identification technology open card, it is necessary to input password confirming in bank card
When, gathered by fingerprint collecting unit 50 after user fingerprints, it is supporting that finger print information is sent into bank by bank's card reader 40
Fingerprint identification unit 70 in system, by fingerprint authentication replace input password confirming, using finger print information uniqueness and can not
Substituted, can prevent the danger forgotten Password, password is stolen and password is revealed, substantially increase the security using bank card.
Moreover, collection fingerprint and identification fingerprint are respectively arranged in bank card and bank's corollary system, can also bank card be avoided to lose
The risk cracked afterwards by criminal according to the pre-stored fingerprint for being used to recognize for being arranged at bank card, improves use to a greater extent
The security of family property, it is ensured that property safety is perfectly safe.
The foregoing is only presently preferred embodiments of the present invention, all equivalent changes done according to scope of the invention as claimed with
Modification, should all belong to the covering scope of the claims in the present invention.
Claims (9)
1. a kind of payment system based on fingerprint identification technology, it is characterised in that including:
Bank's card reader, reads subscriber identity information, and send fingerprint identification request to banking system;
Fingerprint collecting unit, is arranged at bank card, gathers user fingerprints information;
Signal drives processing unit, including drive module and signal processing module, and the drive module drives the fingerprint collecting
Cell operation, the signal processing module receives the fingerprint signal of the fingerprint collecting unit transmission and handled;
Fingerprint identification unit, is arranged at bank's corollary equipment, receives and identifies the finger print information that the signal processing module is sent,
And recognition result is fed back into bank's card reader, support the action of bank's card reader request;
The signal driving processing unit is connected through bank's card reader with fingerprint identification unit communication.
2. the payment system according to claim 1 based on fingerprint identification technology, it is characterised in that the fingerprint collecting list
Member is capacitive fingerprint collecting unit or ultrasonic fingerprint collecting unit.
3. the payment system according to claim 2 based on fingerprint identification technology, it is characterised in that at the signal driving
Reason unit is arranged at bank card or bank's card reader.
4. the payment system according to claim 3 based on fingerprint identification technology, it is characterised in that the signal transacting mould
The fingerprint signal that block is gathered to the fingerprint collecting unit is pre-processed, drawn or feature extraction processing.
5. a kind of bank card based on fingerprint identification technology, it is characterised in that described in application Claims 1 to 4 any one
Payment system, including bank card card body, chip and fingerprint capturer, the fingerprint capturer are packaged in the bank card card body,
The fingerprint capturer is connected with the chip;Signal driving processing unit drives the fingerprint capturer collection fingerprint and located
Manage the fingerprint collected, the signal driving processing unit and the fingerprint identification unit communication company for being arranged at bank's corollary equipment
Connect, user fingerprints information is prestored in the fingerprint identification unit.
6. the bank card according to claim 5 based on fingerprint identification technology, it is characterised in that the signal driving processing
Unit is arranged at the bank card card body, and is matched with the fingerprint capturer;Or the signal driving processing unit is arranged at
With the matching used bank's card reader of bank card, and matched with the fingerprint capturer.
7. the bank card according to claim 6 based on fingerprint identification technology, it is characterised in that the fingerprint capturer is
Capacitance type fingerprint collector or ultrasonic fingerprint collector.
8. the bank card according to claim 7 based on fingerprint identification technology, it is characterised in that the ultrasonic fingerprint is adopted
Storage is piezoelectric transducer, and the piezoelectric transducer is packaged in the bank card card body.
9. the bank card according to claim 8 based on fingerprint identification technology, it is characterised in that described to be packaged in bank card
Intrinsic piezoelectric transducer is piezoelectric film sensor.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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CN201710583736.XA CN107145882A (en) | 2017-07-18 | 2017-07-18 | A kind of payment system and bank card based on fingerprint identification technology |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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CN201710583736.XA CN107145882A (en) | 2017-07-18 | 2017-07-18 | A kind of payment system and bank card based on fingerprint identification technology |
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Publication Number | Publication Date |
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CN107145882A true CN107145882A (en) | 2017-09-08 |
Family
ID=59776126
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CN201710583736.XA Pending CN107145882A (en) | 2017-07-18 | 2017-07-18 | A kind of payment system and bank card based on fingerprint identification technology |
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Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107742215A (en) * | 2017-10-19 | 2018-02-27 | 佛山市章扬科技有限公司 | One kind is based on finger print information method of payment |
CN108062578A (en) * | 2018-01-10 | 2018-05-22 | 东莞市洋博贸易有限公司 | A kind of intelligent protection safety magnetic card system |
CN108805581A (en) * | 2018-06-29 | 2018-11-13 | 芜湖市联网汇通电子科技有限公司 | A kind of electronic card safety payment system and its method |
CN110942132A (en) * | 2019-11-28 | 2020-03-31 | 中国银行股份有限公司 | Credit card capable of preventing fraudulent use of credit card and method for preventing fraudulent use of credit card |
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CN105260763A (en) * | 2015-11-17 | 2016-01-20 | 徐亦隽 | Secure payment bank card and secure payment method |
CN205563643U (en) * | 2016-03-22 | 2016-09-07 | 牟涛 | Take fingerprint identification's bank card |
CN207489033U (en) * | 2017-07-18 | 2018-06-12 | 深圳市云传智联技术有限公司 | A kind of payment system and bank card based on fingerprint identification technology |
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Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
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CN204463313U (en) * | 2015-03-12 | 2015-07-08 | 日照先声网络科技有限公司 | A kind of bank card theftproof system |
CN105260763A (en) * | 2015-11-17 | 2016-01-20 | 徐亦隽 | Secure payment bank card and secure payment method |
CN205563643U (en) * | 2016-03-22 | 2016-09-07 | 牟涛 | Take fingerprint identification's bank card |
CN207489033U (en) * | 2017-07-18 | 2018-06-12 | 深圳市云传智联技术有限公司 | A kind of payment system and bank card based on fingerprint identification technology |
Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107742215A (en) * | 2017-10-19 | 2018-02-27 | 佛山市章扬科技有限公司 | One kind is based on finger print information method of payment |
CN108062578A (en) * | 2018-01-10 | 2018-05-22 | 东莞市洋博贸易有限公司 | A kind of intelligent protection safety magnetic card system |
CN108805581A (en) * | 2018-06-29 | 2018-11-13 | 芜湖市联网汇通电子科技有限公司 | A kind of electronic card safety payment system and its method |
CN108805581B (en) * | 2018-06-29 | 2021-10-08 | 南京中景辉创网络科技有限公司 | Electronic card safety payment system and method thereof |
CN110942132A (en) * | 2019-11-28 | 2020-03-31 | 中国银行股份有限公司 | Credit card capable of preventing fraudulent use of credit card and method for preventing fraudulent use of credit card |
CN110942132B (en) * | 2019-11-28 | 2024-04-19 | 中国银行股份有限公司 | Anti-theft credit card and anti-theft credit card swiping method |
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Inventor after: Wang Guoqiang Inventor after: Duan Lixin Inventor before: Wang Guoqiang Inventor before: Duan Lixin Inventor before: Wu Qiong Inventor before: Zhang Jun Inventor before: Wei Jian |
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