CN109299949A - A kind of payment mechanism and method of payment based on iris recognition - Google Patents
A kind of payment mechanism and method of payment based on iris recognition Download PDFInfo
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- CN109299949A CN109299949A CN201811147868.9A CN201811147868A CN109299949A CN 109299949 A CN109299949 A CN 109299949A CN 201811147868 A CN201811147868 A CN 201811147868A CN 109299949 A CN109299949 A CN 109299949A
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- G—PHYSICS
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- 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
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Abstract
The invention discloses a kind of payment mechanism based on iris recognition, including payment terminal and server, server and payment terminal are equipped with communication unit, transmit interactive information for server and payment terminal；Payment terminal includes terminal communication unit, and terminal communication unit connects iris capturing unit, input unit and processing unit；Server includes server communication unit, and server communication unit connection iris recognition unit and password identification unit, iris recognition unit connect customer data base with password identification unit.The invention also discloses a kind of methods of payment based on iris recognition.Apparatus and method of the present invention can be applied in the multiple terminals equipment such as ATM, unmanned retail cabinet.
Description
Technical field
The invention belongs to bio-identification applied technical fields, and in particular to a kind of payment mechanism and branch based on iris recognition
The method of paying.
Background technique
Traditional pay-us-you-go plan of exempting from is card+password, account number+encrypted code.This mode is first determining account body
Part, account identity is unique, then verifies whether user possesses permission (password).
Universal with smart phone with the development of technology, mobile payment is widely used in a variety of applications, such as Alipay branch
It pays and wechat is paid.This payment still falls within account number+encrypted code means of payment, and Alipay account and WeChat ID are as account
The certification of family identity needs to use portable mobile phone.
In recent years have higher requirement to convenience with people, for example, go out body-building when card and mobile phone inconvenient to carry,
The elderly is easy to forget Password etc..The means of payment using the living things feature recognitions such as face, fingerprint are gradually appeared.2017
Year, Alibaba releases Alipay brush face and pays, and method is: carrying out recognition of face using machine, after recognition of face success, then inputs
It is i.e. payable after confirmation with the cell-phone number of account binding.Because the accuracy of recognition of face is not high, between one to thousand point one of percentage
Between, need input handset number to carry out double authentication.Accuracy by upper known recognition of face is not high；Phone number is open
, easily known to people；Inputting cumbersome phone number influences convenience.On the other hand, since facial characteristics can be due to lift face, fat
The reasons such as thin, aging change, and are easy to bring recognition failures and cause not paying.For another example in the customer of queuing checkout
When more, face equipment camera is easy shooting while arriving multiple faces since visual field scope is big, may be by other customers'
Face-image is as identification target.These bring hidden danger for the payment events that safety has high requirement.
Fig. 1 is the comparison of various living things feature recognitions, and wherein iris recognition has the other accuracy rate of million/level-one, than
Face, fingerprint recognition accuracy rate are higher by multiple orders of magnitude.Iris recognition has high accuracy, but the convenience due to using
Not as good as recognition of face and fingerprint recognition, its popularization and application are affected.
Summary of the invention
The object of the present invention is to provide a kind of payment mechanism and method of payment based on iris recognition, can greatly improve
Safety, reliability and the convenience of payment.
An embodiment provides a kind of payment mechanisms based on iris recognition, including payment terminal and service
Device, server and payment terminal are equipped with communication unit, transmit interactive information for server and payment terminal；
Payment terminal includes terminal communication unit, and terminal communication unit connects iris capturing unit, input unit and processing
Unit；Iris capturing unit is for acquiring iris image, and input unit is for inputting password or phone number.
Server includes server communication unit, and server communication unit connects iris recognition unit and password identification list
Member, iris recognition unit connect customer data base with password identification unit；
Customer data base stores user account, iris data and code data；
Iris recognition unit is for verifying the collected iris information of payment terminal；
Password identification unit in server be used for the information such as the collected password of payment terminal or phone number into
Row verifying；
The information that iris capturing unit and input unit acquire is uploaded to server by payment terminal after treatment, is serviced
Device executes operation to the payment request for meeting preset condition or issues payment request to other payment systems again.
One embodiment of the present of invention additionally provides a kind of method of payment based on iris recognition, comprising the following steps:
S00: starting face acquisition unit shoots user's face image, and by captured image transmitting to processing unit；
S01: processing unit calls image processing program to detect the facial image information of user, obtains user
Eye position；
S02: according to the position coordinates for detecting user's eyes, start servo unit and iris capturing unit is driven to make iris
Acquisition camera is directed at eyes of user；
S03: processing unit starts iris shooting control signal, and iris capturing unit is shot according to the shooting signal inputted
The iris image of user；
S04: payment terminal uploads onto the server the iris image information of collected user；
S05: iris recognition unit is to the iris image information ratio in the iris image information and customer data base received
It is right, it is verified；
S06: server judges whether there is the matched user of iris, if authenticating to the matched user of iris, executes step
Rapid S07, it is no to then follow the steps S04；
S07: server judges whether user's registration information supports individual iris authentication payment mode, if support if according to
Secondary execution step S08~S10；It is no to then follow the steps S11；
S08: server saves user information, including user identity, time of payment, the place of payment and payment amount；
S09: server executes payment, or issues payment request to other payment systems, and feed back and pay to payment terminal
Successful information；
S10: payment terminal display payment successful information；
S11: requirement when according to user's registration, user input password or phone number；
S12: the password or phone number information is verified and step that password identification unit uploads payment terminal
If by the password of the user of iris matching verifying, perhaps password or cell-phone number is compared in phone number information in S06
Code is verified, then successively executes step S08-S10, completes payment；It is no to then follow the steps S11.
Detailed description of the invention
Fig. 1 show the comparison figure of various living things feature recognitions.
Fig. 2 show the schematic diagram of one embodiment of the payment mechanism of the invention based on iris recognition.
Fig. 3 show the schematic diagram of one embodiment of the payment mechanism of the invention based on iris recognition.
Fig. 4 show the schematic diagram of one embodiment of the payment mechanism of the invention based on iris recognition.
Fig. 5 show one of the angle adjustment of the invention for assisting carrying out iris capturing unit by face acquisition unit
The schematic diagram of embodiment.
Fig. 6 show one of the angle adjustment of the invention for assisting carrying out iris capturing unit by face acquisition unit
The schematic diagram of embodiment.
Fig. 7 show the schematic diagram of one embodiment of the method for payment of the invention based on iris recognition.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with the specific embodiment of the invention and
Technical solution of the present invention is clearly and completely described in corresponding attached drawing.
With reference to Fig. 2, in one embodiment of the invention, the payment mechanism based on iris recognition may include payment terminal
And server, server and payment terminal are equipped with communication unit, transmit interactive information for server and payment terminal；
Payment terminal may include terminal communication unit, terminal communication unit connect iris capturing unit, input unit and
Processing unit；
Iris capturing unit is used to shoot user's iris image；
Input unit inputs information, such as confirmation payment for user, abandons paying, input password, phone number etc.
Information.
In one embodiment of the invention, payment terminal may include display unit, and input unit can be one and cover
The touch screen of lid on the display unit, display unit can be used to show the iris image that iris capturing unit photographs arrive, or use
In the display of human-machine interactive information, such as prompt user inputs number, prompt user pays successful information etc..
Server includes server communication unit, and server communication unit connects iris recognition unit and password identification list
Member, iris recognition unit connect customer data base with password identification unit；
Customer data base stores user account, iris data and code data；
Iris recognition unit is for verifying the collected iris information of payment terminal；
Password identification unit in server be used for the information such as the collected password of payment terminal or phone number into
Row verifying；
The information that payment terminal acquires iris capturing unit and input unit after treatment (such as extract condition code,
Information encryption etc.) it is uploaded to server, server executes operation to the payment request for meeting preset condition or pays again to other
System issues payment request.
With reference to Fig. 3, in one embodiment of the invention, processing unit may include processor and the storage that is attached thereto
Unit, processor connect face acquisition unit, iris capturing unit and input unit, and memory cell stores program and with arriving
When storage user the information such as facial image, iris image.
With reference to Fig. 3, in one embodiment of the invention, iris capturing unit may include iris capturing camera, rainbow
Film acquisition camera connects imaging sensor, and imaging sensor connects processor, and processor connects infrared light filling unit, infrared benefit
Light unit provides illumination for iris capturing camera.
In one embodiment of the invention, one or more can be installed on the light-path of iris capturing camera
One or more lens of infrared light optical filter or camera are coated with infrared light coating, only infrared light are allowed to pass through, red
The infrared light of outer light filling unit transmitting respective wavelength, provides infrared light light filling illumination.
In one embodiment of the invention, in order to which the different far and near users of iris capturing camera of adjusting the distance obtain clearly
Clear iris image, can be using autozoom or the iris capturing camera of auto-focusing, to automatically obtain user's
Clearly iris image.
With reference to Fig. 4, in one embodiment of the invention, processing unit may include that DSP and the intelligence being attached thereto are whole
End, DSP connection face acquisition unit, iris capturing unit and input unit, face acquisition unit can be in visible light conditions
Lower shooting facial image provides visible illumination then the transmitting of corresponding face light filling unit is exactly visible light；If face is adopted
Collect the facial image under the conditions of unit acquisition infrared light, then being equipped with infrared light optical filtering on the light-path of face acquisition camera
Lens in piece or camera are coated with infrared coating, only infrared light are allowed to pass through, and corresponding face light filling unit emits corresponding wave
Long infrared light provides infrared light light filling illumination.
Smart machine can be include computer, cloud server, mobile phone, tablet computer, PDA, POS, vehicle-mounted computer, intelligence
Any terminal devices such as energy TV, advertisement machine.Smart machine handles and stores human face image information, the iris that DSP is sended over
Image and other information；Smart machine operates face acquisition unit, iris capturing unit, servo unit, display list by DSP
Member, input unit.Communication transfer between server and payment terminal is carried out via smart machine.
In one embodiment of the invention, payment terminal can there are two face acquisition units, one of face to adopt
Collect unit and acquire the facial image under visible light conditions, another face acquisition unit acquires face under the conditions of infrared light
Image.The beneficial effect of the embodiment device is the face under the facial image and infrared light that can be collected simultaneously under visible light
Image obtains better varying environment illumination effect servant's face image；It, can or because infrared light facial image is black white image
Light-exposed facial image can be color image, and infrared light face is used to carry out recognition of face, show colored people on the display unit
The face image usage experience more friendly to user.
The device of the invention can be applied in the multiple terminals equipment such as ATM, unmanned retail cabinet.
With reference to Fig. 4, in one embodiment of the invention, iris capturing unit may include iris capturing camera, rainbow
Film acquisition camera connects imaging sensor, and imaging sensor connects DSP, the infrared light filling unit of DSP connection, infrared light filling unit
Illumination is provided for iris capturing camera.
With reference to Fig. 3, Fig. 4, in one embodiment of the invention, payment terminal can also include servo unit, servo list
Member is connect with processing unit, and face acquisition unit collects user's face image and is sent to processing unit, and processing unit is to making
The facial image information of user detects, and obtains the eye position of user, and eye position detection method used has face
The common image processing method such as edge detection, frame differential method；Processor is raw according to the eye position coordinate information detected
It is transmitted to servo unit at control signal, servo unit keeps its right according to the inclination angle of control signal adjustment iris capturing camera
The eyes of quasi- user, the iris shooting control signal of processor starting at this time, iris capturing unit are believed according to the shooting inputted
Number shooting user iris image.
Servo unit generally comprises servo motor and transmission mechanism, and iris capturing unit can be rotated around an axis, servo
Motor drives iris capturing unit to rotate around this axis by transmission mechanism, realizes the tilting action of iris capturing unit, leads to
Cross control inclined angle make iris capturing camera be aligned user's eyes.Transmission mechanism has gear drive, connecting rod to pass
Motivation structure, belt gear etc..
With reference to Fig. 3, Fig. 4, in one embodiment of the invention, face acquisition unit includes face acquisition camera, people
Face acquisition camera connects imaging sensor, and imaging sensor connects processor, and processor connects light filling unit.
With reference to Fig. 5, Fig. 6, in one embodiment of the invention, face acquisition camera uses wide-angle camera, in β 1
Angle in shooting user face.Later, if detecting eye position from captured face image, pass through servo
Unit adjusts the tilt angle of iris capturing unit, so that shooting is located at the use in the field angle β 2 of iris capturing camera
The iris of person.
In the case where height higher user, since the eye position of user is relatively high, servo unit is by rainbow
The tilt angle of film acquisition unit is adjusted up；In the case where height shorter user, since the position of eyes is low, watch
Unit is taken to adjust the tilt angle of iris capturing unit downwards.
With reference to Fig. 7, in one embodiment of the invention, a kind of method of payment based on iris recognition includes following step
It is rapid:
S00: starting face acquisition unit shoots user's face image, and by captured image transmitting to processing unit；
S01: processing unit calls image processing program to detect the facial image information of user, obtains user
Eye position；
S02: according to the position coordinates for detecting user's eyes, start servo unit and iris capturing unit is driven to make iris
Acquisition camera is directed at eyes of user；
S03: processing unit starts iris shooting control signal, and iris capturing unit is shot according to the shooting signal inputted
The iris image of user；
S04: payment terminal uploads onto the server the iris image information of collected user；
S05: iris recognition unit is to the iris image information ratio in the iris image information and customer data base received
It is right, it is verified；
S06: server judges whether there is the matched user of iris, if authenticating to the matched user of iris, executes step
Rapid S07, it is no to then follow the steps S04；
S07: server judges whether user's registration information supports individual iris authentication payment mode, if support if according to
Secondary execution step S08~S10；It is no to then follow the steps S11；
S08: server saves user information, including user identity time of payment, the place of payment and payment amount；
S09: server executes payment, or issues payment request to other payment systems, and feed back and pay to payment terminal
Successful information；
S10: payment terminal display payment successful information；
S11: requirement when according to user's registration, user input password or phone number；
S12: the password or phone number information is verified and step that password identification unit uploads payment terminal
If by the password of the user of iris matching verifying, perhaps password or cell-phone number is compared in phone number information in S06
Code is verified, then successively executes step S08-S10, completes payment；It is no to then follow the steps S11.
In one embodiment of the invention, following steps be may include in step S02:
It is sent to processing unit after the face of face acquisition unit shooting user, processing unit schemes received face
As data are handled, detect that eye position, processing unit generate control letter according to the eye position coordinate information detected
It number is transmitted to servo unit, servo unit makes its be directed at user according to the inclination angle of control signal adjustment iris capturing camera
Eyes, the iris shooting control signal of processing unit starting at this time, iris capturing unit shoots according to the shooting signal that is inputted
The iris image of user.
Although being made that detailed description to the present invention with above-mentioned preferred embodiment, not limited with above-described embodiment
The present invention.Those skilled in the art is not it should be recognized that departing from technical characteristic given by technical solution of the present invention and range
In the case where, to made by technical characteristic increase, with the replacement of some same contents in this field, protection model of the invention should all be belonged to
It encloses.
Claims (10)
1. a kind of payment mechanism based on iris recognition, it is characterised in that: including payment terminal and server, the server and
Payment terminal is equipped with communication unit, transmits interactive information for server and payment terminal；
The payment terminal includes terminal communication unit, terminal communication unit connection iris capturing unit, input unit and
Processing unit；
The server includes server communication unit, the server communication unit connection iris recognition unit and password identification
Unit, the iris recognition unit connect customer data base with password identification unit；
The customer data base storage user account, iris data and code data；
The iris recognition unit is for verifying the collected iris information of payment terminal；
Password identification unit in the server be used for the information such as the collected password of payment terminal or phone number into
Row verifying；
The information that the iris capturing unit and input unit acquire is uploaded to the clothes by the payment terminal after treatment
Business device, the server execute operation or issue payment to other payment systems again and ask to the payment request for meeting preset condition
It asks.
2. payment mechanism according to claim 1, it is characterised in that: the processing unit includes processor and is attached thereto
Storage unit, processor connection face acquisition unit, iris capturing unit and input unit；The face acquisition unit
For acquiring facial image, the iris capturing unit for acquiring iris image, the input unit for input password or
Person's phone number.
3. payment mechanism according to claim 1, it is characterised in that: the processing unit includes DSP and is attached thereto
Intelligent terminal, the DSP connection face acquisition unit, iris capturing unit and input unit；The face acquisition unit is used for
Facial image is acquired, the iris capturing unit is for acquiring iris image, and the input unit is for inputting password or hand
Machine number.
4. payment mechanism according to claim 3, it is characterised in that: the iris capturing unit includes iris capturing camera shooting
Head, the iris capturing camera connect imaging sensor, and described image sensor connects DSP, the infrared light filling of the DSP connection
Unit, the infrared light filling unit provide light filling illumination for iris capturing camera.
5. payment mechanism according to claim 2, it is characterised in that: the iris capturing unit includes iris capturing camera shooting
Head, the iris capturing camera connect imaging sensor, and described image sensor connects processor, and the processor connection is red
Outer light filling unit, the infrared light filling unit provide light filling illumination for iris capturing camera.
6. payment mechanism according to claim 4 or 5, it is characterised in that: on the light-path of the iris capturing camera
One or more lens for being equipped with one or more infrared light optical filter or the camera are coated with infrared light plating
Layer only allows infrared light to pass through, and the infrared light of the infrared light filling unit transmitting respective wavelength provides infrared light light filling illumination.
7. payment mechanism according to claim 2 or 3, it is characterised in that: the payment terminal further includes servo unit, institute
It states servo unit to connect with the processing unit, the face acquisition unit collects user's face image and is sent to processing list
Member, the processing unit detect the facial image information of user, obtain the eye position of user；Based on getting
User eye position coordinate, servo unit adjustment iris capturing unit inclination angle make iris capturing camera alignment make
The eyes of user, and shoot the iris image of user.
8. payment mechanism according to claim 7, it is characterised in that: the face acquisition unit includes face acquisition camera shooting
Head, the face acquisition camera connect imaging sensor, and described image sensor connects processor, and the processor connects people
Face light filling unit, the face light filling unit provide light filling illumination for face acquisition camera.
9. a kind of based on the method for payment for closing iris recognition, which comprises the following steps:
S00: starting face acquisition unit shoots user's face image, and by captured image transmitting to processing unit；
S01: processing unit calls image processing program to detect the facial image information of user, obtains the eye of user
Eyeball position；
S02: according to the position coordinates for detecting user's eyes, start servo unit and iris capturing unit is driven to make iris capturing
Camera is directed at eyes of user；
S03: processing unit starts iris shooting control signal, and iris capturing unit is used according to the shooting signal shooting inputted
The iris image of person；
S04: payment terminal uploads onto the server the iris image information of collected user；
S05: iris recognition unit compares the iris image information in the iris image information and customer data base received, into
Row verifying；
S06: server judges whether there is the matched user of iris, if authenticating to the matched user of iris, executes step
S07, it is no to then follow the steps S04；
S07: server judges whether user's registration information supports individual iris authentication payment mode, successively holds if supporting
Row step S08~S10；It is no to then follow the steps S11；
S08: server saves user information, including user identity, time of payment, the place of payment and payment amount；
S09: server executes payment, or issues payment request to other payment systems, and pay successfully to payment terminal feedback
Information；
S10: payment terminal display payment successful information；
S11: requirement when according to user's registration, user input password or phone number；
S12: the password or phone number information that password identification unit uploads payment terminal verify and step S06 in
If perhaps password is compared in phone number information to the password of the user verified by iris matching or phone number is verified
Pass through, then successively execute step S08-S10, completes payment；It is no to then follow the steps S11.
10. according to the method described in claim 9, it is characterized in that, being comprised the following steps in the S02:
It is sent to processing unit after the face of face acquisition unit shooting user, processing unit is to received face image number
According to being handled, detect that eye position, processing unit generate control signal according to the eye position coordinate information detected and pass
Servo unit is transported to, servo unit makes it be directed at the eye of user according to the inclination angle of control signal adjustment iris capturing camera
Eyeball, the iris shooting control signal of processing unit starting at this time, iris capturing unit are used according to the shooting signal shooting inputted
The iris image of person.
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